WillisBack/dataset-financial-user-claim huggingface dataset:
As per my Equifax confirmation number Confirmation # : XXXX, I had XXXX negative account. XXXX inquiries and no public records. Today I look at my report and there are XXXX negative items, XXXX inquiries and XXXX public record. This information was previously no present on my report. 
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the XXXX accounts listed were not included in my bankruptcy. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the bankruptcy from my file as well as the instant inquiries and negative items which are reported inaccurately. 
I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
To Whom it May Concern : My wife wrote a check to me for {$2000.00} ona starter check. I deposited the check via mobile banking. The funds were withdrawn from my wife 's account on XXXX/XXXX/XXXX. I received notification that a hold was placed on the deposit. Today, XXXX/XXXX/XXXX I called to find out the status of the deposit. XXXX at Bank of America, ID XXXX, told me, " There is only your name on the check, and an amount. We need to verify this check. We need to make sure its not going to come back for any reason. '' I asked, " You also have the payor 's name, my endorsement, the routing number, and account number. What needs to be verified? '' " The maker 's information. '' " You already took the money 5 days ago. You have the financial institutions name and numbers, what action can be taken to verify? '' " We will just wait until it clears by itself. Expect the funds on XXXX/XXXX/XXXX at XXXX. '' " No action can be taken, you basically gave yourself a loan for {$2000.00} for 10 days. '' " I will put in a request, but I ca n't guarantee that any action will be taken. '' This is totally unacceptable.
While processing my XXXX re-certification for income-driven payments, FedLoan Servicing improperly capitalized nearly {$50000.00} of interest on my student loans. 

I submitted my annual re-certification application on XXXX XXXX, XXXX, and when FedLoan was not acting on it, again on XXXX XXXX, XXXX -- one application requesting to continue the same IBR plan and the other requesting the lowest payment option. I then received notice that my loans were placed on the standard repayment plan and, corresponding to that, a bill for thousands of dollars. After a series of phone calls and correspondence trying to figure out what was going on and none of the representatives understanding the issue either, my accounts were placed on some kind of administrative forbearance ( and this has happened in previous years, as FedLoan has routinely botched my annual re-certification process ). Later, I found out that because of that forbearance, almost {$50000.00} was capitalized on my loans.
After a number of inquiries and demands for reversal or explanation, I received an email from FedLoan on XXXX XXXX, XXXX, acknowledging that " ... a review of your interest capitalization has been submitted on your account. Please allow up to 7-10 business days for processing. '' That was 7 months ago and I have not heard anything since.
Other than when I initially got my Cabellas Card issued from XXXX approximately 2 years ago I have not used the card. However I recently checked my statement and found a fraudulent charge in XX/XX/XXXX. This charge was to XXXX, which I 'm not a member of and in XXXX, where I have n't been in over XXXX decades. Upon discovering the charge I immediately disputed the charge with XXXX Upon dispute XXXX closed the account and then opened an additional account, transferred the fraudulent charge with late fees then immediately closed the new account with a delinquent balance of {$10.00}. These actions of XXXX has directly negatively impacted my credit score by XXXX points. Their response has been " you need to contact the credit bureaus to get it corrected. '' Their actions have been malicious and predatory toward a person who has no other derogatory remarks on their credit history. This is over a charge of less than {$10.00} that was made fraudulently and since it was an international transaction should have been picked up by their fraud department easily.
After XXXX years of being together, my partner XXXX and left me with this hardship. I want to continue living in my house ; however, the servicer of the mortgage basically refuses to help. My loan at origination was a XXXX XXXX insured mortgage. In XX/XX/XXXX when my partner refinance our house, it continued to be a XXXX XXXX insured mortgage. Earlier this year I had my mortgage servicer, XXXX, process my application for the XXXX XXXX Refi ; however, while awaiting a determination, XXXX ( or whomever ) sold my mortgage to an investment pool and switched servicing of my mortgage to Selene Finance. Although my mortgage no longer shows up in XXXX XXXX 's database as current, per se, it is still insured by XXXX XXXX and the servicer has to follow the servicing guidelines. 
Selene had told me that they acknowledge that XXXX was being processed as a XXXX XXXX refi ; however, they will not be processing anything as a XXXX XXXX. They claim investor 's are not subject to servicing guidelines. 
Although I am fully aware that this agency can not tell a servicer ( unless its a XXXX ) which foreclosure mitigation options they must offer, your recent rule amendments in XX/XX/XXXX indicate that services must provide comparable foreclosure mitigation options ( and that you look at XXXX 's as the standard ). 
After Selene informed me they can offer what service foreclosure mitigation options they want and wont follow XXXX, I asked what foreclosure mitigations do they have? Are there any options that exists that is similar in nature as I want to keep my home? No meaningful information was forthcoming. 
Moreover, I asked if there was anyway I can view these foreclosure prevention plans that they do offer - I even asked if they publish it anywhere, including online. They stated no, they do not have this information available to provide. 
These actions are in non compliance with the rules of regulations under your authority. I am about to lose my house as a result of businesses being allowed to run amok to the detriment of citizens like myself. Unfortunately for me, I am a long-term, XXXX XXXX and XXXX, and I will impacted more severely as a result. 

No meaningful action has been taken by Selene regarding my hardship and the obligations required upon them. 

Lastly, I am attaching a copy of a Securities instrument proving that my mortgage is still insured by XXXX XXXX. My loan # with Selene Finance correlates with the Securities instrument attached issued by XXXX XXXX proving my statements. 

Please help.
I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, Transunion, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XX/XX/XXXX. 

None Account Inquires -XXXX XXXX ( XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX )
In XXXX of 2015 I contacted XXXX XXXX from S. Foreman & Associates about Credit repair, I paid her {$100.00} a month for 6 months and has seen no results on my credit report, I emailed her on Thursday, XXXX XXXX, 2015 to let her know that I no longer need her services and to refund me my money with in 10 days or I was going to report her to the FTC and the Consumer Financial Protection Bureau, she send me an email back on XXXX XXXX, 2015 to proceed the way I wish cause no laws have been broken. I called the Commissioner of Financial Regulation to find out if she was licensed and was told that it 's an application pending and that she is not suppose to be doing any type of Credit repair until the license is approved. She has also called XXXX posing as me which I did n't know until she sent me the email telling me she contacted them.
Discover collections called me on XX/XX/XXXX. My account is not past due and is up to date and current. I questioned the specialist why I was receiving a phone call. He could not explain. He only stated that I was close to my credit line and they were just checking in with me. In XX/XX/XXXX Discover reduced my credit line and left about {$100.00} of my balance to use. I currently have almost {$200.00} of my credit line remaining at this time. I find it harassing that they are the ones who reduced my credit line and then call me months later stating they are calling because I 'm close to my credit line. It feels as though they reduced my credit line so that they can call me and make me feel like a bad customer. I 've done nothing wrong and I simply want answers as to why I was contacted for an important business matter when I have paid my debt on time monthly. They are the people who reduced my credit line and have now decided that I have a hardship. I do n't have a hardship. I 've spoken to a few supervisors only to be passed around and left with no answers as to why I was placed in a collections calling queue when my bill was not past due.
I have been calling into Navient for three days now, starting Wednesday XX/XX/2018. I have been hung up on, and transfered multiple times, without any respect. I have spoke with a manager who was extremely unprofessional, and literally laughed in face, for a matter that was less then funny. Instead of being considerate of ones situation she took joy in denying a reasonable request. My financial situation has not changed since the last time I received a payment plan aligned with my monthly income. Although my financial situation has not changed, nor has my co-signer, Navient is attempting to double my payment. Therefore I feel my information was entered into their system incorrectly. Instead on admitting at one point one of their representatives must have fraudulently entered my information incorrectly, if not this year then the prior year, she tried to accusing me of lying, and not wanting to admit I need help. That comment XXXX  me off because the whole purpose of attempting to renew my repayment plans is because I clearly needed help in this matter.
IQ DATA INTERNATIONAL are threatening me and trying to collect a debt that i do not owe.Upon checking with the Texas secretary of state they are not even bonded to collect here. I sent in a letter of validation and they have not sent me back what i requested.
I tried to check my credit score for free online, after that I found out I was billed XXXX $ from TransUnion and I wasn't even aware they charge for that.There was no ANY information whatsoever on the website and I didn't even know they are charging me and even that I am subscribed! You are automatically subscribed and charged without any knowledge once you put your credit card number to check free score! It is even hard to cancel at all or to reach them. I managed to cancel same day after hassle after I saw I was charged on my online banking however they already took my money. I am also worried about privacy of my important information since they just scammed me for my money! I don't know how can this go away here! In XXXX it is impossible! 
XX/XX/2018 XXXX $ TransUnion
I was unfortunately one of the ~143 million accounts affected by Equifax 's data leak that occurred in XXXX XXXX  2017. I obtained this info by verifying via the Equifax site set up for this ( https : //www.equifaxsecurity2017.com ).  Without knowing for certainty the extent of information leaked, I assume that my SSN, DL, DOB, address, credit card info and more were leaked and obtained by third-parties for fraudulent use. 

The manner in which Equifax has handled the situation - especially the creation of a non-arbitration clause to a meager 1-year identity theft service they administer, is shameful and nefarious.
Wells Fargo is still reporting my account as late for 90 days even though it 's paid. Upon paying this debt, they told me they would delete this account from my credit profile. This is for account beginning with XXXX. I did not open this account, and I paid it just to have it removed from my profile rather than deal with the hassle. Now it is more hassle than I expected. They performed a " bait and switch '' to get my money then did n't hold up their end of the bargain. This is illegal, and it 's over a small amount of money. This need to be removed from my credit profile.
This is debt do not belong to me. I sent court documents and a letter from previous landlord to proved that I was not living in/on the property. XX/XX/XXXX I moved into XXXX XXXX XXXX XXXX XXXX, FL XXXX. I lived there until XX/XX/XXXX. I received court documents from landlord giving me notice that I have to move from the property with in 60-90 days because the property was being sold. XX/XX/XXXX the property was sold I was given additional time to move my belongs into my new residences which is XXXX XXXX XXXX XXXX. Currently I am still residing here until further notice.
XXXX this the ongoing dispute, that I been having with my NSF fees, and no one called me sent me a letter nor email during, that time. Now I do n't work for XXXX and I believe I sent my response to them via letter, but they never received it go figure. 

WITHIN 60 DAYS I GOT RIPPED OFF BETWEEN XXXX TO XXXX DOLLARS I CAN EVEN GO AS FAR AS 90 DAYS EVERY SINCE THIS HONORABLE VETERAN LOST HIS JOB IN NORTH DAKOTA BASED UPON A FAMILY HARDSHIP. 
MY XXXX COMPLAINT TIRED OF USAA ( profanity used ) ME ON NSF FEES UP TO XXXX DOLLARS IN THE LAST FEW MONTHS THEY KNOW I AI N'T MAKING CLOSE TO XXXX GS A MONTH. NOW THAT I AM ON PENSION AGAIN WAITING ON MY HARDSHIP UNEMPLOYMENT ITS BEEN AN ORDEAL, BUT XXXX CAN TELL AT THE END OF THE FISCAL YEAR OF XXXX I LOST ABOUT XXXX GS IN GROSS INCOME YOU DO N'T SEE ME SMILING THESE DAYS. 
USAA HAS BLATANTLY DISREGARD, AND DISMISS ME AS THE CUSTOMER WITH XXXX NEGATIVE OF BANKING HISTORY. THEY HELD MY CHECKS I DEPOSITED, AND MY VA CHECKS AND WHEN I HAD TO PAY A BILL OR EXPECTING AN IRS REFUND THEY HELD THAT CHECK TOO UNTIL I WENT NEGATIVE, AND THEN RELEASED THE MONEY IN MY ACCOUNT AFTER RIPPING ME OFF OF FEES FOR LAST 60 DAYS FROM XXXX, AND XXXX I AM GOING TO FIX THAT TODAY. 
Product Bank account or service : Checking account Issue Problems caused by my funds being low They did not address a XXXX thing accept these people are working against me, and try to jack my VA money, and Income taxes due an owed to me. They would do business with the XXXX XXXX XXXX XXXX corporations. In regards they think they can XXXX my money, and abuse my money while I am asleep or not watching my accounts while USAA secretly use their members money on the securities, and commodities on the international stock exchange. 

No one is my DAD I have only XXXX father, and that XXXX dollars of a so called refund is n't good enough they are in cahoots with those trying to sabotage my accounts. Things were different when I was on top in North Dakota, but now they treat me as a second class citizen. They even turned down my application when I was trying to get a XXXX job. I got back stabbed by them XXXX. I want all my NSF 's credited back to me from 120 days ago, and I been out of work since XXXX 2015, and I was prevented by USAA to pay my bills effectively to even have successful transfers. 

This is my response to I do n't agree with USAA at this juncture.
I sent through the RIA financial services branch located in XXXX XXXX Ca. with the amount of {$780.00}, cahrges/taxes {$39.00}, TOTAL {$810.00} on XX/XX/2017 but the transaction was n't done and was canceled on XX/XX/2017 and when I go to that branch location, the agent there does't give me my money back because she has n't received the order from her manager or supervisor. Then when I call to check if my money is ready to pick up, the agent is telling me that until she gets the confirmation or approval, she will call me but the time period of 10 days in overdue with no answer from them.
Equifax failed to secure my and 148 million other people 's vital information. To say I am angry is an understatement. Equifax seems prepared to offer one year of credit monitoring for free then charging each year after that. Do i have to pay for their mistake? This is crazy.
On XX/XX/2017 I sent a dispute letter to XXXX requesting validation of this debt - including an item bearing my signature. All I received in response on XX/XX/2017 was XXXX Credit Card statement. I again requested validation on XX/XX/2017, and again received no further information to validate the debt. On XX/XX/2017 XXXX claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XX/XX/2017 asking several specific questions to validate my debt, and on XX/XX/2017 XXXX again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and Transunion ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. XXXX validated the debt even though it is clearly a re-reported account that they themselves already deleted from my report when it was initially filed under XXXXXXXX XXXX   XXXX. I opened disputes with all credit bureaus, and a complaint with the XXXX against XXXX XXXX. In which, XXXX immediately responded and said for me to reach out via email. Which I have twice, and have received no response. I will continue to open complaints, and seek legal counsel if these are not removed. These are in complete violation of the FCRA. It is an FCRA requirement that the credit reporting agency notify you no later than five days after the date of reinsertion. It doesn't take a rocket scientist to realize these are the exact same debt collection accounts, just being reported under a new collector and new account number. Do your jobs credit bureaus it would take 2 minutes to realize these amounts tie out to each other and should have never been reinserted, not to mention it is in direct violation since you never sent me a notification.
I earned a XXXX XXXX XXXX in XX/XX/XXXX and a XXXX in XX/XX/XXXX, after which I had more than a {$100000.00} in student loan debt ( my XXXX loans had long-since been paid off ). For 10 years while XXXX at a XXXX XXXX, I made my income-based repayments, submitting the paperwork each year to keep my payments manageable. Without the income-based provisions, my payments would have been approximately {$1200.00}, almost half of my net income. My loans were first serviced by XXXX XXXX, which they transferred to Navient beginning in XX/XX/XXXX. Each year with my income-based renewal paperwork, I submitted a letter inquiring about the Public Service Loan Forgiveness program. Each time I was simply told that I could not apply until I had been making payments for 10 years. After a year of service through Navient and reaching the 10-year mark, in the spring of XX/XX/XXXX, I applied for loan forgiveness using their online form. It was only when I received a denial of forgiveness letter telling me that I was ineligible that I learned I was consolidated under the wrong program. I had never been told that I had to have my loans consolidated with the Federal Student Loan program. The consolidation under the correct program is now complete, though that has been problematic because I have had conversations with both the StudentLoans.gov office and Navient, with differing responses about what my new payments will be ( although, at least I was given a forbearance while the loans were processed ). However, the one consistency has been that my 10 years of payments have mattered not, that I will have to pay for another 10 years before I am eligible for forgiveness. Because I am not able to make a dent in the principle, my student loan balance is now over {$120000.00}.
I have a loan with loanMe which form the start was set up on auto draft ACH. they stopped drafting it and I was un aware. They then gave me a modification and again set me up on auto draft. then 2 month later the same thing happened causing late fees and damaging my credit and harassing phone calls to people I never listed on the application making it very embarrassing. the loan was then modified again setting up AUTO DRAFT ACH AGAIN!!!! same thing the not taking the payments and continuing calls when it was set up right from the start and I clearly want action taken against them and justice to be serviced for their scam artist tactics.
In XX/XX/2018, I asked Citi Bank to fix the problem of it charging me $ XXXX monthly service fee on my checking account. They said that they converted the account to one without a monthly service fee. However, they never converted it and continued to charge the monthly service fee. When I called today, they said that the conversion just didn't go through and they need to get a branch to approve. Then they said that a customer service representative held the conversion from going through with no explanation. I fear that they never did anything and hoped that I wouldn't notice the $ XXXX monthly service fee.
Opened an account with Chase Total checking account online on XX/XX/2018 with the promotion offer of {$200.00} bonus when you open a new Chase Total Checking account and set up direct deposit. I have already set up the direct deposit and deposit was posted on XX/XX/2018 which is before 60 days. 

I haven't received the XXXX $ bonus yet.