WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Have left messages indicating they needed a call regarding pending legal action. Stated they were with XXXX at XXXX with names of XXXX or XXXX. Left similar messages with family members not associated with this loan disclosing the debt in violation of third party disclosure laws. When contacting them, they stated were suing me on behalf of ACE Cash Express and have already started the process. They are in CA while I am in AZ so they do not have jurisdiction to do so. Refused to discuss resolution if not paid in full, and that would just note as refusal to pay and continue lawsuit. Have called numerous times after this, and have never sent me a letter indicating they were rightfully collecting or giving me the opportunity to validate the debt.
I purchased hair care products from XXXX XXXX which totaled {$140.00}. The products were paid in full in three payments through my bank, XXXX. The payment sought now is {$54.00}. I have proof of all payment made. This company continues to hassass me. They have reported me to collection agencies. Documentation was sent via fax to the first collection agency, which was North Shore. Another agency sent a letter. The agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Hi I sent equifax a XXXX form and online disputed about my hard inquire that I do not have no knowledge of. And they did not prove it was me and did not show that it was me. I want to see what they verified. They wrote me a letter what is that telling me nothing. I want to see the proof myself.
I signed up for a Bank of America checking account after receiving a targeted promotion for the " Offer300 '' {$300.00} bonus for making {$4000.00} of direct deposits within the first 3 months of account opening. Upon completing the requirements and waiting a month following completion, I did not receive the bonus and called to inquire why not. Bank of America denied my claim, stating that I " was not targeted '' for the offer, and asked me to fax screenshots of the offer. I have screenshots but did not fax, and called again to try and get my bonus resolved. Today again they said my request was declined and are asking me to go into a branch so they can fax the screenshots to the right corporate department. I 've called now about 10 times in the past month and have been given the run-around by customer service reps who 've given me numbers to wrong departments ( Merrill Lynch investing ) and have not filed my complaints.
I have several unauthorized credit inquiries on on credit report through Transunion that I did not authorize nor have knowledge of requesting with my approval. I have attached documentation of all inquiries on my report.
On a monthly basis First Tennessee/First Horizon currently ( as of XXXX XXXX ) continues to report late payments to my credit bureaus, for a Home Equity Line of Credit Mortgage loan that was charged off by First Horizon in XXXX. I have repeatedly disputed the accuracy of the amount of the balance that First Horizon has been reporting and requested them to provide closing documents that demonstrate the disbursement of funds to reconcile this balance. First Tennessee has responded by informing me that it is not their responsibility to provide these documents and they have stated that they did not distribute funds at the closing, that would have been done by the title company. The mortgage company that was directly involved was First Horizon Home Mortgage, which is a subsidiary or affiliate of First Tennessee. The title company directly involved in the closing was XXXX XXXX, which was brought into the transaction by First Horizon. I have attempted to track down the requested disbursement of funds documents by contacting XXXX XXXX ( this company is no longer in business ) and First Horizon in XXXX, MI ( this company is no longer in business ). The State of Michigan XXXX shows that First Horizon had not had a license since XXXX, but did show as an affiliate of First Tennessee in XXXX ( eliminating the requirement to be licensed through Michigan ). The closing with First Horizon that is being referenced occurred in XXXX of XXXX. As I have been in contact with First Tennessee attempting to reconcile the balance, they confirmed that First Tennessee closed all of the First Horizon offices in Michigan, but still refused to provide documentation related to the disbursement of funds during this closing. In conversations with First Tennessee, representatives have failed to even acknowledge the first mortgage that was a part of this transaction. This is important because the first and a portion of the second mortgage account for the dollar amount that was due to XXXX Bank ( holder of the loan at the time of the closing ), that are not being accounted for, in addition to other fund disbursements that First Tennessee is not accounting for. The route cause of this problem is the fact that First Horizon suggested that this transaction be completed by splitting the mortgage into a first ( mortgage ) and second ( home equity line of credit mortgage ) to avoid having a " Jumbo '' loan. I have since found out that the total of the loan in question would not have been above the amount that would have qualified as a " Jumbo '' loan had it not been split into a first and second.
On XXXX XXXX, 2017 I made a purchase at Marshalls of {$11.00}. The clerk asked me if I wanted to upgrade my current account so I said yes. It was approved and I seen the amount of {$500.00} on the receipt. ( My current account has a credit limit of {$300.00} ) so ok I thought that was my upgrade. Yesterday XXXX XXXX, 2017 I receive an invoice separate from the other one I just paid for {$11.00}. I called TJX this morning and asked to cancel that account and was told via a recording that all my accounts would be closed so of course I said no. Then I asked to speak to someone because I never received a card for this new account that I did n't even apply for. An upgrade is not a separate new account an upgrade should refer to your existing account. Why did n't they just raise my credit limit on the current account. Its easy to spend {$500.00} you do n't have. This is fraud as far as I am concerned. And, if I closed my accounts they would want the total amount owed which I do n't have.
Wells Fargo took a majority of my payments and put them in Suspense and then brought then out of suspense on a date that made them LATE. Which Then they removed a LATE Fee from the full or more principle payment. THUS they would NOT accept the PARTIAL payment that THEY CREATED. They did this on and off for almost a year. Thus they made me in Look like I was in DEFAULT. 
I filed Chapter XXXX to put a STAY on my account so that they could not proceed with the foreclosure, while I tried to prove to the Bankrupcy Court that I was  NOT in Default. I proceeded with a Proof of Claim hearing which they regularly " continued '' so it took over 8 months until I could get to tell a Judge that Wells Fargo Home Mortgage was scamming my account.That hearing never occurred because their attorney never let it go through BECAUSE attached to the Motion for a Proof of Claim hearing was an Audit from the District Manager of XXXX XXXX XXXX XXXX. Who was willling to be a witness and submitted the audit of the Mortgage account that showed I was 2 PAYMENTS IN ADVANCE AND WAS NOT IN ARREARAGE AT ALL!!!!! 
ALSO while I was in the Chapter XXXX STAY ( freezing my account ) Wells sold, by way of ASSET BACKED SECURITY CERTIFICATES to XXXX XXXX My frozen account!!!! 
The reason Wells Fargo Home Mortgage did this to me was 1. My property appraised for {$360000.00} and I only owed {$120000.00}. 2. I worked at Wells Fargo Home Mortgage for 6 months because I was SICK of how they handled un knowingly, innocent Borrowers Accounts. And could Not stand to be so Unethical to work there, so I QUIT. They were demanding that I sell 125 LTVs and the Crash of 2008 was on the horizon and predicted and very evident. 
I was on the team that created XXXX XXXX XXXX used all over the United States and was in the Mortgage Business for over 17 years and have work at Many Mortgage Brokers and Banks BUT this was completely UNETHICAL and Fraudulent and hurt me beyond belief. And my life NEVER re couped from this huge fraud LOSS created by Wells Fargo Home Mortgage 's, bogus servicing tacits, and foreclosure scam.
XXXX Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
I have tried on numerous occasions to work with Navient in getting a reasonable payment. However, they have failed my family and I because on the income based repayment plan they want to charge me nearly {$550.00} a month and being a family of XXXX in XXXX Florida I simply can not afford that amount. They have failed to educate me on other options and I simply am letting interest sky rocket my loans due to forbearance. Please Help, I am drowning slowly!
I received an email from this company telling me that I owed them a debt and that I gave them permission to contact me via my email and I did not. I could not access the content of the email so I called the company. I instructed he representative that I did not know what the alleged debt was in regards to and he kept trying to get me to set up a payment arrangement for a debt that is not mine. I refused and told him that they were no longer allowed to contact me via phone or email but throu gh US mail only. I instructed him to send me everything the had in regards to the debt so I could review  it
On XX/XX/18 I had a transaction post on my chase account for {$33.00} immediately after I was hit with an overdraft fee charge of {$34.00}. The next day I went to the atm to withdraw money and rectify the negative account. While checking my chase account online I noticed that a number of overdraft fee had hit my account. The last time I checked the account was nearly - {$110.00} negative. Now, one business day later the account was negative for nearly - {$330.00}. There was 6 charges for {$34.00} in just overdraft fees. I called chase on XXXX, to ask them to remove all 6 overdraft fees and I would pay for the amount that I actually owed. Instead XXXX told me the could only refund me {$52.00}. that leaves me to pay nearly {$280.00}. That means I was forced to pay {$160.00} in overdraft fees. This is unfair, the reason to why the could refund the full amount in overdraft fees is ridiculous.
This is in response to the collection companies answer. At no point did I verbally or written agreement with this company to repay any amount. Had I actually spoken to them I would have reminded them about the verbal agreement. I did contact them this past week and was told by XXXX that there was never any payments made by me. With that being said they lied completely to the CFPB. Yes the verbal agreement was made before I moved out that my now exhusband was responsible and I wasn't and there was never an agreement made for me to pay anything!!!!!
Beginning XX/XX/XXXX and into XX/XX/XXXX, my account was fraudulently and repeatedly charged a large sum of money over the course of a month by a company called XXXX. On XXXX XXXX, I filed a unauthorized charge claim with Chase and was denied because I had logged into my account a number of times during the month of XXXX. I noted to the claims specialist that I had n't noticed the charges earlier until the largest fraud occurred and only logged on to pay my credit card bill. Because I had logged on during the month of XXXX, my claim was denied. I asked to appeal the claim because it was fraud. Chase never even investigated the claim with XXXX and I was stiffed out of money that is rightfully mine. Upon hearing the decision, I asked to appeal the decision and was rudely treated by their claims agents who could seemingly never connect me to a claims specialist, despite my repeated attempts at contacting the company. In addition, I was told I would need supporting information that would state that I did n't make these online transactions to even have a chance at overturning the ruling. How am I supposed to have information saying I did n't make these transactions if I did n't make the purchase? This is easily the worse customer service experience I 've ever had.
I opened account with Regions bank on XX/XX/XXXX.Today, XX/XX/XXXX, my wallet was stolen. I immediately called police and the Regions branch on XXXX XXXX XXXX XXXX, XXXX TN XXXX where I first opened my account at as it was the only quick Regions number I could find from the binder I was given when I opened the account.I never used my cards for once since I opened the account. I spoke to the branch manager named XXXX XXXX XXXX and requested that he should stop both my debit and access cards because someone just stole my wallet. He told me he did stop the cards and I should not worry and my money is still there. I asked him over and over to make sure whether or not I should call another number to stop the cards or if he could transfer me to the fraud department.He did not refer me or transfer me to the Regions bank fraud department.He told me that he has handled it and told me I should n't worry again. 
An hour later while I was making the police report, XXXX XXXX called me and told me that he has let a lady and a man withdraw {$3400.00} out of my account and he told me it 's because they had my ID and everything so he gave the money. 
This seems like he made a deal with the thieves.This is unprofessional and how can someone withdraw my hard earned money simply because they had my ID? I have the phone records.I called the police and the bank about the same time.An hour later he let the thieve get my hard earned money.
My visa account statement ( Bank of America, or Bofa ) closing date of XX/XX/2016 stated that my minimum balance due was {$210.00} with due date of XX/XX/2016. 

I made a payment the day after, XX/XX/2016, for {$350.00} and my statement closing date of XX/XX/2016 showed my payment was received. Yet, Bofa tried to claimed that I was late and charged me a late fee of {$27.00} for not paying {$210.00} due. I called Bofa on XX/XX/2016 to dispute that my account was late & requested my late status and the late fee to be removed from my account. As of today XX/XX/2016 Bofa still has not done so.
I visited a Wells Fargo located at XXXX XXXX XXXX XXXX in XXXX, NJ on XXXX/XXXX/15. I went inside to make a withdrawal from my checking account. The teller that assisted me was named XXXX.In processing the transaction XXXX advised me that my savings account was closed.I informed her that I knew and that the account was closed because it was initially opened by a branch manager without my permission. XXXX then persisted that I needed to reopen the savings account to avoid the $ XXXX monthly maintenance fee. I told her I was avoiding the fee already by participating in a different activity which also allows me to avoid paying the fee. She told me that the fee is only waived if my checking account is linked to a savings account and simply said " we can reopen that for you today it 's no problem ''. I told her I would think about it, took my withdrawal and left. The information XXXX gave me was completely inaccurate and misleading and was simply an attempt to get a " sale ''. I may not have looked like it because I was dressed in shopping gear, but I work for a bank myself and I know a little about deceptive practices that some individuals use to meet their sales goals. If I did not have inside knowledge, I may have once again fallen victim to these deceptive practices.
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Chase they claimed that they had investigated and came out with the idea it was me because someone called and verified with a PHONE NUMBER THAT WAS NOT MINE. 

These accounts with Chase bank are the result of fraud and under the FCRA 2009 ( a ), these charges are fraudulent and this account was opened fraudulently in my name.

Also in accordance with 615 ( g ) of FCRA that the account is known to be Fraudulent, so that the original creditor can not sell, or transfer the debt. 


Chase seems to be playing this debt off saying its not fraudulent because someone called and said they were me and received a security code from a phone call that is not mine. 

I have and will once more send over a FEDERAL AFFIDAVIT identity theft report to Chase under the penalty of perjury, also I will once more supply Chase with the needed information and paperwork to produce the ACCURATE decision. 

They opened other accounts and every creditor other then chase has conducted a accurate report, in a timely manner.. Im a college student and should not be having to jump through loopholes with Chase to resolve this issue Under the FDCPA 2009, this debt is uncollectable by furnishing the appropriate information in a timely manner to Chase bank. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau,  and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
I have no clue who this is and also they are breaking the law by reporting false information and damaging my credit. This account says it was opened over 7 years ago and that alone is past the statue of limitations right.
Date of last activity is left off and collection made to look recent. Date of Last Activity on Credit report reflects no date and should show XX/XX/2017.
I opened a Illinois State Lottery account and attached a XXXX credit card to purchase lottery tickets online. I did not realize that each {$5.00} lottery ticket purchase was assessed a {$20.00} Cash equivalent fee by XXXX XXXX. non of this was disclosed to me when I registered the card and subsequently made several purchases, 11 transactions in 3 months and {$220.00} in fees later. I contacted XXXX and asked to have the fees waived and discontinued using the online lottery account. XXXX responded that the fees were valid and only issued me a credit for {$40.00}. I want all the fees waived and returned to me. They said the fees were disclosed on the application when I applied for the card several years ago. I am aware that many transactions are conducted online with credit cards, and a disclosure of fees applicable appear when you check out. In this circumstance there was no such disclosure or I would not have completed the transaction knowing that the fee was going to be {$20.00} to make a {$5.00}. purchase.
The mortgage and lease auto accounts were paid in full and no longer valid. Last reporting information needs to be reported with comments that these loans were paid as agree upon. 
The Tax Lein is close to XXXX years old and was paid off before it was submitted to collections. The public report needs to be removed from XXXX Credit Bureau immediately. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and all other medical collections were paid in full and should be removed from this credit reporting agency.
This is a follow up to a closed complaint ( XXXX ). In summary, after months of no traction with the LoanCare, XXXX was able to get the lender to respond and issue a letter of acknowledgement that they had made errors in the collection of my payments. They sent a letter ( dated XX/XX/2017 ) stating that they had sent corrections to credit bureaus but those are not reflected and now I'm unable to get a loan for the home I have a contract to purchase on. The underwriter said they will accept the acknowledgement letter in my possession for a correction IF the company will re-issue it with a more current date, I'm having trouble getting through the anyone who can expedite this request so that I do not lose the home.
I am a victim of Equifax 's data breach which exposed millions of American 's personal information to unknown sources. As a result, I could be targeted for identity theft or other financial crimes. This is one of the largest breaches of information in history and Equifax failed to keep this very sensitive information safe.
In XXXX and XXXX 2014 I missed payments on my XXXX credit card. It was a misunderstanding on my part. I believed I had set the card up for autopay and had not. I am a XXXX XXXX XXXX and XXXX and XXXX are our busiest times of the year. I did n't see the notifications in the hussle and bussle of the busy season. Regrettably, I missed two payments. 

At the time I had just turned XXXX years old I did n't understand how this would affect me now as I am trying to buy a house 3 years later. 

I have been diligent to pay ontime ever since. I have not missed any payments in the last 35 months and I have a plan to always check to make sure they are paid. I have a reminder set on my phone to always check my statement online and make sure payment goes through automatically.
I obtained loans in XX/XX/XXXX while attending XXXX, Florida XXXX XXXX XXXX, Florida. 
My original loan was obtained through XXXX. The loan was paid in full in XX/XX/XXXX. I received documents from XXXX to support payoff. 
ECMC had purchased the loan at some point and started derogatory collection practices. They have garnished my wages in XXXX, obtained over XXXX before I could stop them. They have taken my tax returns as well. Yet, those payment do not reflect any where in their system. They have harassed all my former clients that I worked with, not to mention ruined my business reputation. They sold the account to numerous credit agencies, whom continued the 20 calls a day harassment. 

I had submitted the pay off paper work obtained from XXXX on 15 occasions and obtained a lawyer to deal with this harassment to no avail. 

They are yet again contacting me to garnish my wages. I have yet again submit a response with a request for a " Trial '' to refute owing them any money. ECMC just sent me a letter refusing my hearing request and demands information to garnish my wages. I am at a loss! I have had XXXX contact them directly to confirm payment and they are still relentless in their collection effort.