WillisBack/dataset-financial-user-claim huggingface dataset:
All four major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
45 U.S. Code 231k - Incompetence ( a ) Every individual receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall be conclusively presumed to have been competent until the date on which the Board receives written notice, in a form and manner acceptable to the Board, that he is an incompetent, or a minor, for whom a guardian or other person legally vested with the care of his person or estate has been appointed : Provided, however, That, regardless of the legal competency or incompetency of an individual entitled to a benefit administered by the Board, the Board may, if it finds the interest of such individual to be served thereby, recognize actions by, and conduct transactions with, and make payments to, such individual, or recognize actions by, and conduct transactions with, and make payments to, a relative or some other person for such individuals use and benefit. 
( b ) Every guardian or other person legally vested with the care of the person or estate of an incompetent or minor who is receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall have power everywhere, in the manner and to the extent prescribed by the Board, but subject to the provisions of the preceding subsection, to take any action necessary or appropriate to perfect any right or exercise any privilege of the incompetent or minor and to conduct all transactions on his behalf under this subchapter or any other Act of Congress now or hereafter  administered, in whole or in part, by the Board. Any payment made pursuant to the provisions of this section shall be a complete settlement and satisfaction of any claim, right, or interest in and to such payment. 
give it to you in ( A ) and take it away in ( B )
Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX XXXX/XXXX student loans. Please note, the only time Ive ever been late was in XX/XX/XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XX/XX/XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late. 

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.
My credit score has been improving and I have been paying down my debts. This month, Equifax lowered my FICO score XXXX points, down to XXXX. This is confusing and suspicious as I can not find a logical reason for my score decreasing such a large number. I believe Equifax perhaps incorrectly reported my FICO score and instead of increasing it to XXXX, they accidently decreased it to XXXX. XXXX is reporting my FICO this month at XXXX and there 's no reason why Equifax 's score should be underreported so low.
Earlier this year I found out my personal information was involved in a large data breach from XXXX, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.
An international transfer ( XXXX to XXXX ) took place ( XXXX XXXX, 2016 ) resulting in a {$4900.00} deficit in the amount deposited. Our XXXX lawyers said that there would be a $ XXXX bank charge and nothing more. XXXX XXXX XXXX XXXX said there would be no fee. 

When I asked my XXXX bank, XXXX XXXX XXXX XXXX, they said, first, they could not see what the exchange rate was ; then they said the transaction went through Bank of America and they would try to find something out but that it would be unlikely that they would get a response. I asked to speak to their compliance officer. She was out, but the gentleman from the accounting dept., then called me later with an update saying that I should file the complaint and that he had the incoming wire detail and that he would send that to customer service agent at my local branch, but that there was nothing new/more they could tell me. During my call with the gentleman from the accounting dept at XXXX, shared with me that it looked like the exchange rate applied was XXXX. I asked him if that was the correct way to apply the exchange rate and he said he did not wish to get involved. He was helpful and it was obvious that he was very nervous about making a mistake.
I was not informed that my personal information ( including my social security number, address, and other information ) was breached several months ago. I have still not been contacted, even after the news broke. I do not know, and it appears, have no way of knowing the full extent of what information of mine was breached.
I recently reviewed my credit report XX/XX/2018 and found XXXX XXXX is reporting inaccurate information on my credit reports with all 3 of the major credit bureaus Equifax, XXXX XXXX and XXXX. Not only are they reporting serious erroneous information, they also do not report an address they can be reached on my credit report so I can inform them of these serious errors by certified mail. This is a clear violation of the FCRA and shows a serious error in their reporting practices. Attached, is a copy of my credit report where they have left no address to be reached at. This erroneous derogatory remarks is making it extremely difficult for my family to access the credit that we need and is causing us an unnecessary hardship.
I applied for credit with synchrony Financial in XXXX. My total bill was for XXXX.. A week later I checked my account and there was an extra XXXX. I have called the company several times and the issue has yet to be resolved. I Have spoken to XXXX ( manager with XXXX XXXX : XXXX ). I have contacted XXXX XXXX general manager of XXXX ( XXXX ). I called the company directly and spoke XXXX ( ext XXXX ) XXXX ( ext XXXX ) XXXX ( did n't get her extension ). I never agreed nor did i receive any services totaling XXXX the issue has yet to be resolved.
Im in the midst of closing on my mortgage, when a reporting appears from XX/XX/2016 from Treasury Department on my credit report at the last pull before closing, this account isn't mine, but I related to Equifax to whom it belonged to, and was ignored, I don't have time to wait for the improper investigative process that results in not factual results but whatever is profitable to the corporation. 

For over five years I have sent these documents to Equifax stating that unless the creditor reports my name on my social security card, then its not me, and they have ignored it because its profitable to ignore, and continue reporting other information. 

The debt reported as XXXX XXXX XXXX is reporting in a name that isn't on my social security card, and not on my credit report, but Equifax still reports it, recently they found that a credit card using another social security number was on my credit report, that wasn't my name or social security number, yet still reporting, and for three years reporting public records of bankruptcies, which just as the credit card, was probably belonging to XXXX, which isn't me.
I have attempted to modify my mortgage loan since XXXX. In the last two years, I have repeatedly been asked to compete applications and submit supporting documents multiple times. Throughout the process I have been assigned to multiple loan specialists which has complicated the process. Last XXXX I was referred to contact Keep Your Home California due to negative equity in home and was told that Nationstar would be working with them to re modify my loan. 
According to Keep Your Home California, Nationstar refuses to re-cast my loan in order to receive XXXX Principal Reduction ( {$25000.00} from this to bring my loan current ). 
Additionally, Nationstar contacted me to have an in-house modification but denied me due to negative property value, only, not income issue. Nationstar has informed me that the only way they re-consider is if I write a complaint to them. My loan is currently in foreclosure with a sale date of XX/XX/XXXX that has been placed on hold.
On XX/XX/XXXXnoticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.
I have no knowledge of the said debt and would like it removed as its reporting to the credit bureau as an open account and is negatively affecting me.
XX/XX/XXXX - Vehicle purchased from XXXX XXXX in XXXX XXXX, KS with extended warranty ( cancellable ), loan through Capital One. XX/XX/XXXX - I initiated warranty cancellation by phone with XXXX XXXX. Shortly thereafter received by mail confirmation of warranty cancellation and copy of refund check ( ~ {$2500.00} ) sent to Capital One by XXXX for warranty cancellation to be applied directly to my loan balance. To date ( XX/XX/XXXX ) the refund has not been credited to my loan balance. I have spoken to both Capital One and XXXX XXXX numerous times regarding this issue. XXXX XXXX states that the check has been cashed and that they have fulfilled their obligations and can not take further action. Capital One has stated multiple times that no check has been received, despite XXXX 's statement that their check has been cashed. I have been told that the typical time for cancellation refunds to post is between 8-12 weeks, and it has been approximately 20 weeks since the cancellation was requested.
The servicer refuses to follow the signed order from a FEDERAL COURT JUDGE. This has gone on for well over a year. I have contacted  XXXX   XXXX  at the CFPB and was told to refile a complain since the matter is not resolved and the servicer refuses to update the payment history to reflect current and cancel out the negative balance. Prior submitted attachments very clearly show that the account should not be escrowed. Previous complaint number is  XXXX .   On the previous response by the servicer they were inaccurate and very clearly have still not followed the judges previous orders.      XXXX   XXXX
On XXXX XXXX XXXX my checking account was hacked for XXXX $ and I thought no big deal and XXXX XXXX XXXX was account was hacked by the same person or persons for XXXX XXXX I bank at Chase Bank and at first they told me it would take 24-48 hrs. to retrieve my money and then that turned into 10 days. By the banks advice I closed my old checking account and opened a new one. The bank then said they tried to put my money in the old account and could n't because it was closed. So then they told me it would be an additional 10 days because they had to go through the process of verifying that the money should be transferred and I told them they already decided to transfer the money why would this process have to be done again and they did n't have an answer they just said that it would. Then after that 10 days expired I called again and they told me it would take until XXXX XXXX before my money would be returned. At this point I do n't have a good feeling that will happen, they will come up with something else as an excuse and that will make it almost 2 months that I 've been without close to a XXXX dollars and I do n't know what else to do.
my husband and i, 10 years ago obtained a mortgage thru XXXX XXXX Loans, unbeknownst to us it is a 30 years ARM that adjusts every 5 years and is owned by America 's Servicing Company.As of XXXX it has doubled. We applied for loan modification right away, an appraiser was sent to my property to do an external appraisal. This is my first issue, the appraisal is full of such inconsistencies that its fraudulent and the valued of my home that had an appraisal for this mortgage for {$110000.00} was now valued at @ {$61000.00}. I pay property taxes based on XXXX Now i 'm faced with a mortgage i cant afford, a fraudulent appraisal on the XXXX now that values my home for XXXX for what i owe on it.
I received a pre approval solicitation in the mail on XX/XX/2018. I applied for the card assuming I would qualify as Ive worked really hard at rebuilding credit. I was declined and now my credit score will be  negatively impacted. I would never had applied if it was not for the marketing solicitation Ive received. I called the company and asked for them to remove the hard hit and they refused. Please help me get this hard hit removed from my credit report
XXXX XXXX XXXX XXXX listed collection accounts on my credit report for XXXX XXXX on XXXX XXXX, XXXX. However they listed the original reporting date as XXXX XXXX, XXXX. When I called XXXX XXXX XXXX XXXX ( XXXX ) I spoke with XXXX XXXX a Collections Representative on XXXX XXXX, XXXX he indicated the actual debt occurred in XXXX XXXX and had already been paid by XXXX my auto insurance carrier under my personal injury protection ( PIP ) coverage in XX/XX/XXXX. I then spoke with XXXX XXXX XXXX XXXX for ( XXXX ) and he advised me of the same. However this account was actually paid prior to it being updated on my credit report on XXXX, XXXX which they knew false information was being provided to Transunion. However I did notice the changes to my credit report until I checked on XXXX XXXX, XXXX through XXXX XXXX XXXX. Transunion failed to calculate the timeliness of this reporting as being out of the statue of limitations for the State of New Jersey which allows a XXXX ) SOL on all debts. Also this debt involves medical information, Transunon requires me to contact a special handling person in order to discuss or file any disputes as they see them as frivolous or being done by a third party credit repair company. I check my all XXXX of my credit reports monthly and these collection accounts was never reported until XXXX XX/XX/XXXX. 
XXXX has agreed to delete the accounts as they are not accurate as they have admitted and XXXX XXXX asked me why it took XXXX so long to pay the medical bill and I reported to him that was a question for XXXX not me. According to the FCRA : Duty to Correct and Update Information - If at any time a person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify allCRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
Transunion also had an obligation under the FCRA to report accurate information in which they should have questioned the update status as they collection accounts never appeared on my credit report until XXXX XXXX.
Hello. My name is XXXX XXXX XXXX from CT. I am a XXXX year-old retiree from the XXXX XXXX XXXX XXXX. ). Recently I have incurred several medical bills that I can not keep up with. I have tried to pay my co-pays when I was able, but I am living on a very fixed income ( Social Security and a small pension $ XXXX monthly ). I was receiving daily and Sunday phone calls from this debt collection agency called American Adjustment Bureau. IOn XXXX of the calls I asked them to please stop. They replied " fine ''. The phone calls stopped but today I received a " privacy Assist Statement from my Bank, with a list of XXXX XXXX XXXX XXXX small co-pays that are delinquent. They were, evidently, reported to XXXX. There is no explanation of who they are from and today I have received another XXXX. My lawyer friend advised mje that they are " paying me back for asking them not to call by over-sending reports to the credit-reporting companies to embarrass me and further lower my credit status. Is this legal? Is it harassment. I feel that I am too old to take them on myself and wonder if there is anything else I can do.
Chase mortgage released my mortgage and deed information to an entity that requested it. An email address that is not mine was provided. after the fact, Chase notified me via email that Chase had released all my mortgage and deed information to this email that was not on recorded. When I called Chase to inform them I had not requested this information be sent they told me it was not their fault because the scammer had provided my identifier information except for the incorrect email address.
my accounts were compromised with fraudulent charges, XXXX   caused the breached. To this date the continue to report the fraudulent address on my credit report also the fraudulent charges from XXXX XXXX. 

XXXXXXXX XXXX acknowledges that the card with the fraud charges was closed in XX/XX/2017 when I discovered the address was changed and cancelled it, and there after they allowed the card to continue to be used for unauthorized purchases after it was closed. 

XXXX president office continues to ignore my letters and phone calls, they ignore the claims sent to you and keep marking them duplicate, they are really unprofessional I need XXXX  to clear my credit report and correct it.
The last few months I have gotten calls from this number XXXX, Viking Client Services, saying they are a debt collector and to call this number XXXX. The last one was XX/XX/2018 at XXXX XXXX. I have ignored answering these calls and let them go to voicemail.
Big Picture Loans Signed agreement 3 times and now they tell me that funds will not be deposited until XXXX. 
I was told so many lies. They repeat themselves and it does n't seem the contact center understands XXXX.
this complaint is continue for the case XXXX which was filed on XX/XX/XXXX. 

After the first complaint filed, the bank did contacted me and told me they are working on it, and transferred my case to their searching department. I was happy with their response. but they are very slow as they responded to this case like around 60 days. I also made my XX/XX/XXXX payment which I should pay and received on XX/XX/XXXX. 

I requested payment history, but I never received it from the bank. what they are doing is trying to collect the debt I didn't own. 

I can wait if they are doing searching, but their collect department keeps bothering me and my wife, trying to collect the money which I should not pay, it already interrupt our regular daily life. they don't have any communication between different deportment. their searching department response is very slow, but their collection depart is too active. 

If they couldn't resolve the issue with short time, please ask their collect deportment stop collecting the debt before they finish their searching job. Here I updated the supporting material in the attachment.
Ocwen send me a notice that i need to send {$1200.00} for escrow which I did to keep my payment at XXXX per month, then they sent me a new payment of XXXX per month when i asked them way the increase they had no answer. This is my second time filing against this company, why they are still alowed to contunie in business I call XXXX in XXXX to bring this company
I have had nothing but trouble with equifax. I have disputed so many times and had items removed and put back. I can not get my credit score without paying but XXXX XXXX keeps denying a limit increase saying equifax says my score is XXXX which is quite a bit off my other scores and seems wrong. I now years ago I got information about equifax getting in trouble for practices and I was supposed to get something out of that and never did. I want the issues fixed and a proper score and explanation why.
Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.
I found out that an account was placed in collection because I received a credit report notification. I did research online and finally found a number for the supposed collection agency. I explained to them that I was never notified of the account being placed in collection and I have never received any type of communication from them. I feel that the charges I was charged were not right. It took several phone calls and messages before they finally provided statements to me. I still do n't agree that the balance owed is accurate but I need this off of my report so I 'm willing to just pay the money owed. This company has been unfair and unresponsive. They continue us to tell me that they have n't violated the law because their system says a letter was sent to me. I would have responded had I ever received the letter. It 's not right.
The Branch Banking and Trust company has been harassing me recently in an attempt to collect a debt which has expired the statute of limitations in accordance to the state of Virginia. In addition, the Banking Institution has recently sent me an garnishment summons in clear violation of my consumer rights.
Reporting on XXXX XXXX XXXX XXXX charge accounts were changed from a status of charge off, ( which they are ), to Placed for collection, Bad Debt, Skip. The last activity on these accounts was in XX/XX/XXXX and XX/XX/2009, and should be seasoned off my Equifax report. This new reporting has re-aged the account, and caused my Equifax score to plummet by XXXX points. I am trying to secure a new mortgage and this new report has caused me to have great difficulty in obtaining the mortgage. This line needs to be removed since it has met the 6 years 6 months seasoning period. XXXX, and XXXX have removed the accounts from reporting.
On XX/XX/XXXX I logged in to make a purchase on my XXXX XXXX credit card. I had a XXXX balance. I have diligently paid my account on time every month. When logging in a find out they had reduced my credit limit with no notice and for no reason what so ever.
I faxed as well as supplied the clerk of courts in XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received one letter from them at the correct address which was valid up to XX/XX/XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating hills laws.