WillisBack/dataset-financial-user-claim huggingface dataset:
After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX  Credit Cards ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - Telephone ( XX/XX/XXXX )
I have a security freeze place on my credit file. I have asked for my freeze to be lifted and every time I call to speak to agent Im being transferred to the Office of Consumer Affairs. I ask the office of consumer affairs to lift my credit freeze and I 'm rudely talked to and hung up on each and every time I call in. They continue to discriminate me and mistreat me. I have now been hung up on 3 times on XX/XX/2016 by a rep in the office of consumer affairs named XXXX XXXX. She is extremely rude and talks to me in a disrespectful unprofessional manner.
Equifax implemented poor security in their IT infrastructure and exposed ALL my personal and identifiable information. I used the " Potential Impact '' link of equifaxsecurity2017.com and it said, " Based on the information provided, we believe that your personal information may have been impacted by this incident ... ''
Received a voice message from MIDWEST RECOVERY SYSTEMS   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , MO   XXXX   stating that they were hired to resolve an online payday loan in the amount of {$1000.00} i allegedly had taken out in   XXXX   from a compay by the name of   XXXX   XXXX  . I told them i was unaware of any online payday i had ever taken out with such company and did they have any validation of the alleged debt. The agent told me that they did n't, they were simply hired to collect on the debt at which point the agent gave me an old address of mine that i lived at back in   XXXX   in a property that was foreclosed on. I told them that without documentation to validate their claim i could n't speak to them any longer. I did notify the agent that in the state of Florida, Florida law requires that the payday loan agreement be in writing and signed by both parties on the date the loan is given. The loan agreement must contain : the name and address of the lender and the lenders business office the name of the lender 's representative who signed the agreement a clear description of the agreement including the date of the loan, the amount, the loan term, and the transaction number.
None of this infomation he had at which point he hung and i have n't heard from since. They did put a negative mark on my  XXXX  credit report however without even attempting to resolve this matter beforehand.
The following is what is showing on my credit report. I have NEVER had a line of credit with  First Bank.  I have tried, repetitively, to have the account removed or validated and all I get in response is a letter saying that I am being 'frivolous ' and they are not going to remove the debt. They have never sent m e ANY proof th at the debt is mine.    XXXX  Condition Derogatory Responsibility Individual Current Balance  XXXX  Original Balance  XXXX  Limit   XXXX   Monthly Payment  XXXX  Last Payment  XXXX / XXXX / XXXX  Status Collection / Charge-Off Loan Term  XXXX  Loan Type Line of credit Opened  XXXX / XXXX / XXXX  Reported  XXXX / XXXX / XXXX  Remarks Charged off as bad debt|Profit and loss write-off Creditor Information FIRST BANK OF COLORADO  XXXX   XXXX   XXXX   XXXX , CO  XXXX  Phone  XXXX  :  XXXX
For the past, several months I have requested XXXX and Drive Time to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with DT Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. 
After checking more into the matter : I purchased the car from DT on XX/XX/XXXX on a contract that was not signed by me. A DT employee forged my name on the contract. 
DT started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. DT has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. 
Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When drive time  reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number Reason XX/XX/XXXX Social Security Number xxxxx XXXX Variation DT was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit Drive Time reported it
XXXX is saying that i owe them for an account. I have never had an account with them. I have asked them for proof of an existing account and i have never recieved one. This is affecting my credit rating. On XX/XX/2018 i  spoke with a rep. for them gave him my last name and last for of my SS and he could not find a account.
I was in need of a loan so I called and applied for a payday loan through big picture loans. I was approved for a {$770.00} loan and was told my finance charges would be in the neighberhood of {$250.00} and that my first payment would be on XX/XX/XXXX. I was told I needed to hurry up and sign the documents if I wanted the money in my account the next day. What I was not told, nor did I see anywhere on the e-document I signed, was that I was actually going to be charged almost 700 % interest on the advance. I have now paid {$1600.00} and I still owe almost another {$4000.00}. I never would have accepted the advance if I knew it was going to cost me over {$5000.00} to borrow {$770.00}.
I have contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the XXXX XXXX XXXX in providing me with the verification information that was used to verify my dispute.
I pulled my credit report in  XXXX  of  2017 a nd noticed there were  XXXX    XXXX   XXXX   XXXX    credit cards opened in my name.  One with a  {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact  XXXX   XXXX  fraud department they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.
I pulled a annual credit report and noticed an unknown account on my credit report. Last date reported XX/XX/XXXX. This account looks like it was opened XX/XX/XXXX by Bull City Financial Solutions in the amount of {$1200.00}. I do not recognize this account. I believe someone has falsely used my name and used my personal information without my consent.
We applied for a mortgage loan at td bank XXXX. They are not following through. Our representative does not return calls or emails from us or our realtor, and I now have no confidence that our loan will close in the near future. We escalated to her supervisor and were told any delays were our fault and a lack of communication and that we needed to call her, not that she answered, so we just left her another message. After leaving 2 messages she called and we happened to be at our local branch so we got on a conference call go over the papers that were emailed and had point out that the ones she said were missing were in the email. Every time we do reach our representative to get an update, she informs us that we are missing information and we are given a new list of things to send. Our assigned lawyer called us to say he does not work in the area where our property is, and the bank was not returning his call. Our assigned appraiser does n't work in the area either, which we found out when our realtor called the appraiser to get a status. Neither of these issues has been addressed at this point. Our closing was already postponed from XXXX XXXX to XXXX XXXX, but with out a scheduled appraisal there is no way they will make that date. To top it off, she told us we had to have a standard rate lock signed for them to proceed with the loan, so now if we cancel we will own them more money than we would to complete the loan. At this point we are ready to cancel and go with another lender, not because we do n't want a loan, but because they have given us reason to believe we are wasting time working with them.
The original creditor for this debt is XXXX XXXX  XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. 

After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that XXXX ( XXXX ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because National Enterprise Systems ( NES ) was handling this account. 

I spoke with NES and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when XXXX is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that XXXX is reporting {$390.00} on XXXX XX/XX/XXXX. 

My initial conversation started with NES on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that XXXX have been contacted with my concern and they were waiting to hear their response. I have scanned them what XXXX is reporting and they said they will contact XXXX again with this information. 

I am exhausted dealing with this debt that has been taken care of. If XXXX is reporting this account then why is NES involved which is a collections company as well. I would like this removed from my credit report. 

Thank you in advanced!
For the last few years, I have been receiving credit card bills or solicitations with pre-printed checks. I think this is a dangerous practice should someone steal your mail or you throw these away unaware that pre-printed checks are in the envelope.
Previously I requested Equifax remove the fraud alert and file blocked for promotional purposes from my credit file. On XXXX XXXX Equifax sent me confirmation XXXX that this was removed. Since that date I have not asked Equifax to add the fraud alert or promotional blocking to my credit file again. Yet on XXXX XXXX, 2015 Equifax mails a letter saying they 've placed the alert on my file as requested. I DID NOT REQUEST THIS AGAIN. Equifax made this choice on their own without a signed request from me. This fraud alert is affecting my recent applications with XXXX for a car loan now.
Loan was taken out for my grandson in XX/XX/XXXX in which I was the co-signor. Over the course of 10 years I have made payments on the loan and am now being told that I owe over {$2000.00}. I noticed that the loan number that I had been paying on is not the same number that I am being contacted about now and have inquired why the number changed. Loan was taken out with XXXX and my request for a payment history has not been provided. I received information from XX/XX/XXXX to XX/XX/XXXX all information for prior years dating back from XX/XX/XXXX I 'm told they can not provide because they have a new system. So therefore my payments are not accounted for. My grandson had other loans and it is my belief that payments were applied to the wrong account. I am on a fixed income and am now being harrassed by a Collection Agency Financial Assest Management Systems , Inc, XXXX XXXX XXXX, XXXX, GA XXXX phone number XXXX. I am being charged intrest and late fees but no one has responded to my request to validate the debt. The original loan was for {$5000.00} in my calculation this should be paid in full at this point and if not paid in full my balance should be no more than {$200.00}. I have gone to my bank to request copies of my cancelled checks which the cost of having them to provide copies is more than I can afford for such history. I do n't know what else to do at this point. I ca n't get any information form Navient on the account formally known as XXXX XXXX. I have heard of the debt tactics that they use and how individuals seem to never pay loans through them. I do not want to be ripped off any longer and request your assistance. I have requested a bill and have never received a bill. Therefore there is no way for me to know what the true balance is that they say I owe as there is nothing to show where may payments of all these years have been applied. All I know is they took my money and applied it to someone 's loan.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX This company I checked my credit without my permission po 9 times in a year and I tried to talk to them but they spoke to me in a despotic way and I wrote them they never answered me
I bought a XXXX XXXX here in XXXX Texas, when trying to trade it in I had issues. I went to the XXXX Dealer -XXXX XXXX they advised me the finance company SAFCO is not one they use. I explained it was their sales manager that did the financing. I eventually called the finance company to come and get the car. They sent a company. About 4 months later I called to get the paperwork as required by Texas repo laws. They said I did turn the car in. After numerous calls this company decided to report late every month for the past year after confirming the resold the vehicle. I gave the car back in 2016.
I was with XXXX XXXX XXXX for my cell phone service and XXXX XXXX. I had cancelled my cell phone service when moving from XXXX, XXXX to XXXX, XXXX. Once my move was complete, I had my dXXXX XXXX transferred and stayed with XXXX XXXX XXXX. I continued to receive billing just for XXXX XXXX and continued to pay all amounts due. I am in the process of trying to buy a home in XXXX and found out that I had a collection with XXXX XXXX XXXX that was sent to Diversified Consultant. Again, I was still with XXXX XXXX XXXX ... they had my contact information and I was never called or notified of this debt. I went ahead and reached out to Diversified and explained my situation ... I was told the only way to remove the debt from my credit report was to pay the account ... so being under pressure ... I paid the debt. I had also reached out to XXXX XXXX XXXX Office of the President to let them know what had happened ... I received the notification via email indicating that XXXX XXXX XXXX sent an email requesting the deletion of the account from the credit bureaus. The account has not been deleted as of yet.
Radius Global just reported a medical bill on my credit report. Before this bill showed up on my report, I did not receive a notice of my right to dispute the account. THis is awful, because my health insurance has already paid the debt.
Today XX/XX/2018 a flyer was left in my gate wich said to call this phone number- XXXX. The phone recording says is Bank of America and ask for the social security number. There are other complains about this and I think it is a scam to steal identity. My ring cameras recorded the car and the person that left the flyer I have the video.
Company did not update account as " disputed '' within the required length of time, which is required by law. See attached information.
Creditor XXXX is reporting to all XXXX credit bureaus, but Equifax is refusing to or there is a communication error reporting the account to Equifax. Ive had this account for multiple years and this account was on Equifax at one point not its not reporting. I contacted the creditor multiple times and they advised that the issue is on Equifax end. They report every month to all three bureaus. I need Equifax to add this account and history to my report ASAP.
My personal information was stolen according to a letter from the XXXX   and XXXX XXXX XXXX XXXX. Because these two companies had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Walmart has not been reporting an account that I'm listed on as an " Authorized User '' to the CRA 's. The primary account holder has on several occasions notified Walmart to start reporting the account yet they have not to date and I have been added to that account at least for 6months.
Fraudulent charge put on account XXXX/XXXX/2016 for XXXX XXXX {$540.00} I contacted CITI Bank who cancelled my card and sent me a new card with a new account number, but have not removed the fraudulent charge.
Bank of America has continually stolen money from me and has always gotten away with it. Honestly, there have been times where Bank of America reps have been gracious, helpful, and courteous. Most of the time however, there is a significant pattern of disrespect and abuse to loyal customers. Personally, I am a student and always have been while being a Bank of America customer. I started out my account with them as a XXXX, and for a while I did n't understand or was n't aware of how banks work. Now I do, and I am still a student. Monthly, my bank account ( even if there are insufficient funds ) gets deducted {$12.00} because of Bank of America 's " monthly maintenance fee. '' I think it is wrong that Bank of America obviously can physically see that my account is lower than the $ XXXX-and at times and yet they still take. And that brings me to my more pressing concern-the overdraft items or fees they assess, which is the reason I am submitting a complaint. I am not sure how often they will assess an overdraft fee which is {$35.00} each time, once they realize your account has insufficient funds. What I am sure about is that I am a student at a University, a young mother, and I am sure that I do not need a bank continually assessing an overdraft fee, if I obviously can not replenish my account with sufficient funds.
I received a e-mail from a lawyer claiming to be from the United States Court House with no offical signature or individual sending it. It states I owe a payday loan to ACE Cash Express. I do not recall this company, since there is no contact person on this e-mail I feel this is a form of fraud. This e-mail states to send money immediately to prevent lawsuit by the United States Court House and closure of my bank account. I did contact my bank informing them of this e-mail and this might be a case of fraud.
I believe I already paid off my medical expenses to XXXX XXXX XXXX XXXX XXXX on XXXX in XXXX Texas. In fact I was confused when paying initially months ago because I was apparently being billed by Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  PA XXXX, XXXX for the XXXX XXXX XXXX XXXX which I do not recall receiving a bill from. 

Needless to say I was skeptical at that time because I never recalled hearing of this company, and XXXX XXXX XXXX XXXX ( XXXX ) never informed me about expecting them to bill me on their behalf. At that time I checked the information on the statement, talked to representatives at both XXXX and Transworld and believed I did sufficient homework to reconcile the charges and they appeared to be legitimate. So I payed the amount and later received a notice from Transworld that I over paid and I believe they sent me a riembursement check. 

Now months later I am getting statements from Transworld again wanting to collect over {$1000.00} without any explanation. I believe I already paid what was due previously in good faith and they are trying to take advantage of me. 

I work long hard hours and I believe they know most people are strapped for time and are too stretched to research ( all over again ) and they hope people will just pay. 

Frankly, I do n't trust them and I am very stretched for time. 
I am willing to pay legitimate charges for sure, but how do I know this billing is legitimate? Its been a while and no one from the hospital has contacted me, and there is scant evidence on the Transworld Statement to even begin to believe the charges. 

There 's no history of past payment so I can not tell if they have done their homework and know if they are trying to charge me for the same service I already paid for. 

I need some help! They need to show me why I owe anyone money. If I sent them a statement out of blue, or to anyone for any reason, why would any rational person or business expect a payment for something that had no explanation for a service that supposedly occurred in the past that you barely recollect and believe you already paid for. This is insane?
I disputed an inquiry for XXXX. I do not have any recollection of requesting any credit from XXXX for over two years so disputed it. The original inquiry was dated XXXX/XXXX/2015. On XXXX XXXX, 2015 I received a response to my inquiry. It noted " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. Historical account information was deleted from this account. If you had additional questions about this item please contact : XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, MO XXXX. I did contact XXXX at the above noted address, and my letter was returned as " Not Deliverable '' from the XXXX. It seems quite clear that this is fraudulent otherwise, why would I be directed to a company and address that does not exist. I would kindly request a full investigation of Equifax , it would seem that did not verify this account. I tried to re-dispute this online, but it notes " closed '' and will not let me to do, and when I call the phone number provided by Equifax , it wo n't give me the option to speak to anyone and the phone options are not relevant. I have attached a copy of the letter sent by Equifax directing me to contact XXXX, and the envelope returned by the XXXX XXXX showing no such address exists. I would like Equifax to remove the inquiry permanently from my record. Thank you for your time.
Equifax merged my account with another woman, with the same first name- different last name. She's considerably older than myself and lives in a different part of the country. 

I contacted them, they acted like it was no big deal and that they would remove her records from my account. However, two years later they are still selling my information to her collectors. They get my personal address and my phone number and harass me. Her bad credit has also effected my credit score.
XXXX XXXX XXXX claims I owe XXXX to XXXX XXXX XXXX, the policy was canceled on XX/XX/XXXX. Prior to this, I spoke with a XXXX in billing, he was explained that a prior payment made by myself was returned and asked if I would have time to make replacement payment before policy cancels. He stated clearly I would have opportunity to make said payment before cancellation occurs, which I did not .... The policy then canceled shortly after on XX/XX/XXXX. Payment was mailed around this time in form of a XXXX XXXX money order, the payment receipt portion was discarded unfortunately. Lately, I've been receiving a number of calls from CCS ( XXXX XXXX XXXX ), reps were advised payment was sent and still attempt to collect on debt and or refer me to XXXX XXXX. I will not make another payment ... If original was lost in the mail, misplaced by XXXX XXXX or intercepted by wrong party then that is not my fault. XXXX XXXX rep did state I could make payment before cancellation, this could have been avoided, had that rep not lied.