WillisBack/dataset-financial-user-claim huggingface dataset:
CFPB please investigate the reporting practices of Equifax and XXXX enclosed are News letter s showing cases against Equifax for misuse of reporting I have been stating that they are playing games and stalling please use my information to do this investigation enclosed I want to show a pattern of how they refuse to comply with the law and make up there own manipuliating consumer credit reports
Hi, I received the bill on my credit of XXXX dollars from Gold Key Cred. 
I was shocked because i am an educated and responsible person.I can never leave my bills unpaid. 
I called their customer service number, XXXX. The lady on the call told me that its about the medical bill of hospital, used by my name or miss used my information. 
I never been there in that hospital in emergency. 
Some one used my name and information. I request you please take action on this wrong bill on my name. Its damaging my credit score badly. 
Please help me to get rid of this fraud done with my ID, as soon as possible. 
I will apprecite. 
RegardsXXXX XXXX
I received a letter dated XXXX/XXXX/15 stating that my credit card with best buy would not renew. They then closed the available credit limit that was available o the card. They stated that my score was too low. On XXXX/XXXX/15, I then went online to pay on the card as I do every month, manually. I found that the company had already paid on my account for XXXX 2015. After looking further into the matter, I found that they had set my account up for recurring payments without my consent. I called the number as listed on the recurring payment made for the month and spoke with XXXX staff ID # XXXX who stated that I called back in XXXX and set up recurring payments. I then told him that I did not. I asked him why they had not been taking the payments if I called and set up recurring payments in XXXX. I further asked him why was I able to make payments manually every on the account if recurring payments had been set up since XXXX. I voiced my concerns about they could have messed up my checking account by taking unauthorized payments from my XXXX account without my consent or knowledge. He apologized and removed the recurring payment feature from my account. I then asked for a confirmation email on this activity of the removal of the recurring payments to which he refused and gave me his staff ID as a reference. I feel violated by their unethical practices. First, they close my card which made my credit score go down and then they took money from my checking account without my consent or knowledge.
Received 3 phone calls from ( XXXX ) XXXX. I called to find out why they keep calling me. They ask my name, ask to verify my address and ask to verify the last XXXX of my social. Then they tell me I owe them {$12000.00} for an auto loan in the late XX/XX/1990 that they purchased the debt for. I tell them I never made an auto purchase in the late XX/XX/1990 and that this is fraud. They tell me they will close out the account and I do not owe them and thank me for my time. I told the lady I would be reporting them for fraud. So she starts to argue with me and then hangs up.
As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen. 

At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.
I purchased a XXXX acre property and was issued a title policy by Meridian Title. The policy stated their were no encroachments on the property. It was later determined that there was a pipeline running across the property and they held a blanket easement on the entire property. Several attempts by me about the problem were ignored by the title company. I had to hire a private attorney to assist me in this issue. It is now over {$5000.00} in legal fees later and the title company attorneys have refused to advance the case to mediation
I have XXXX student loans through the college that I attended. I applied for deferment for the student loans in the past a reapplied once I received notification that my deferment was over on XXXX/XXXX/2016. I found out that I would not be eligible for deferment again but I would need to pay interest accrued during my deferment on XXXX plus my monthly payment arrangement. I called the office on XXXX to see if I could apply the accrued interest into my monthly payment and then was told yes. I asked if this meant my accounts would not be reported to the credit bureaus as past due and was told no. I found out after the fact of making that monthly payment arrangement that my accounts were reported as past due. I called and they listened to the tapes and emailed me stating that I was given wrong information but my accounts were past due so the reporting would stay. I asked if I made payment that day would I be able to reverse the reporting since I was told I did n't need to make the payment for the interest and was told no. Then, today I was emailed that if I do not catch up the past due I would be sent to collections. I then went online to make payment but my balance went up over $ XXXX. I called and was told " after review, my deferment should have been up on XXXX account in XXXX and the other XXXX '' So, therefor they have back billed me for time that I was told I was under deferment and have charged me another $ XXXX that has to be paid by the XXXX or I will be sent to collections. Also, they reported my account as over 180 days past due to the bureaus when my bill for the accrued interest was due on XXXX. They said that was because the interest accrued for the time I was in deferment. I never received anything that stated if I do not pay the accrued interest after my deferment I would be past due the whole time of my deferment. I have been mislead multiple times and I feel as though I am trying to make this right but I keep getting more and more charges or problems each time any communication is received by them.
Experian has been insufficient in upholding the law. I have been disputing with the company XXXX XXXX since XX/XX/XXXX. <P/>I have requested that the company provide VALIDATION and VERIFY the account. It was NEVER done. <P/>Each dispute the company said " we need more information from the consumer '' ( see attached. ) Each dispute, re started the clock, which is AGAINST the law. <P/>I am attempting to buy a home and get a JOB, w/ a Security Clearance. <P/>Are there NO managers supervisors at Experian that looks personally at accounts and say, " this account was in dispute since XXXX, the company is n't following the law therefore we can not continue to keep this on the consumer 's credit? '' This account should have been REMOVED when the company came back with unverified information. <P/><P/>2ndly, I have two hard inquiries from XXXX and XXXX. I did NOT authorize the XXXX inquiry. <P/>I was told to put the block on my account to prevent more unauthorized inquires. NONETHELESS, I call reps and they REFUSE to remove an unauthorized inquiry. <P/>The XXXX XX/XX/XXXX and the XXXX inquiry should be removed. <P/>The other unverified, invalidated item on my report is from XXXX. the company did not Follow LAW. I was not told of this account or allowed to dispute it. <P/>Experian has my dispute, the companies apology and has still NOT removed. the account. <P/>I called Experian to tell them that there was an inaccurate payment history on my XXXX XXXX account. It showed 90 days past due XX/XX/XXXX. This was untrue because I was in forbearance. <P/>Attached is my payment history prior to my phone call to Experian and after my phone call to Experian. the 90 day late, with the history I sent was corrected ; however my credit history was removed. <P/>update my credit history.
In short XXXX XXXX XXXX refused to offer me a reaffirmation agreement because they stated numerous times that my bankruptcy was cancelled. I called nearly @ dozen times to tell them that it was active. They refused to let me speak with a supervisor or anyone else who would be willing to listen and investigate. Eventually they decided that my bankruptcy was active but made up different reason why they could n't offer me reaffirmation. One guy said we sent it in the mail, but to the wrong address. Now they 're trying to repo but no matter how many times I tell them my address, they keep trying to go by another states law in order to short cut the repo process.
My husband died XXXX XXXX, 2015. We had a savings account that we deposited our monthly accruals into because it paid a higher interest rate. After XXXX died I took a certified copy of his death certificate and the account was promptly put in my name since I was his POD. On XXXX XXXX, 2015 I successfully transferred {$50000.00} into my checking account to pay for his funeral expenses and XXXX quarterly taxes. I have also received XXXX statements showing myself as owner of the account. On XXXX XXXX, 2015 I tried to transfer {$5000.00} out of that account to pay bills. I no longer receive my husbands military pay or social security. I was denied access so I called customer service. I was told that the problem was " due to my internet browser ''. I called my local branch representative and was told that they " could n't find the signature card and needed to determine ownership ''. Shortly after XXXX fell XXXX XXXX I visited the bank in person as we were each others power of attorney and verified all accounts and that I was in fact his POD. My husband had set up a trust for me naming First National Bank as trustees. My attorney and I fired them for several reasons. I feel like they are punishing me for relieving them of their trustee duties.
I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXX which is reflected on the payment history for the XX/XX/XXXXaccount by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days  late. This is frustrating because both  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. Thank you!.
While checking my credit report, I noticed that there are two missed payments showing on my Sun trust account from year 2016. I have previously disputed these missed payments. Missed payments were due to my Bank Account being compromised by fraud therefore causing delays. I informed the representatives at Suntrust Bank of the compromising of my bank information and late payment information was stilled reported to credit agencies.
Chase incorrectly applied my XX/XX/2016 payment towards my balance getting charged 12.24 % interest. They are also not applying my extra payment ( in addition to the minimum payment ) towards the balance that is still accruing interest. This has been happening since XX/XX/XXXX and I have made several payments over the minimum payment amount.
Received a collection letter on XXXX XXXX, 2015 for a delinquent account for XXXX XXXX Membership. My identity and debit card was stolen earlier this year. I was not aware that the person signed up for membership with XXXX XXXX nor have I ever enrolled for membership with XXXX XXXX. This collection company is threatening to put this information on my credit reports and attempting to collect {$210.00} for an account I never authorized.
XXXX XXXX, I REC'VD A XXXX FROM XXXX XXXX XXXX OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX LAW WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, BANK OF AMERICA WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT XXXX WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED
Nation Star Mortgage payment electronically debited from my checking account without my consent. XXXX {$1600.00} was debited from my account and on XXXX {$1600.00}. This resulted in XXXX mortgage payments within same billing cycle. I called on XXXX requesting funds to be returned in the amount of {$1600.00}. I was instructed to fax statement showing funds were debited from my account ; I did. I was promise the funds would be wired ; they were not. I called XXXX I was advised they needed to XXXX way call my bank to verify funds were debited from my account ; we did verify funds were debited from my account. Agent XXXX, ID # XXXX promised to deliver a check via XXXX and provided a tracking #, XXXX. On XXXX called XXXX to discovered this was an invalid tracking number. I called Nation Star and I was placed on hold then hungup on after waiting XXXX mins. I called back to discover that no check had been delivered. Supervisor/Agent XXXX, XXXX ID XXXX advised that the funds would be returned to my bank account ( same accounts were paid from ). I was advised that since I was filing a CFPB complaint the call needed to be escalated to higher member of management. XXXX, XXXX ID # XXXX assured that {$1600.00} would be reversed and back into my account by the morning of XXXX. XXXX provided a ref #, XXXX. I also disputed the amount of the loan when it was transferred from XXXX XXXX XXXX. Nation Star has refused to assist me with this process. They deflect the responsibility back on XXXX XXXX XXXX.
I applied for a Hawaiian Airlines Credit Card and was approved, after receiving my card I tried to place an order for XXXX XXXX and was declined, I was declined upwards of 9 times. I called Barclay Bank who manages the credit card claims that it is XXXX XXXX that is declining the purchase. 
I then tried to place another purchase from a company in XXXX. I was declined 4 times, again the claim is that it is the merchant. I then used my XXXX XXXX card to place the purchase and it went through. 
Customer service has placed that I make purchases from XXXX, XXXX, XXXX and that I was still declined. 
This abuse of power has to stop. PERIOD. There is nothing wrong with these transactions, I'm making them and I'm being prevented from making orders.
Experian and XXXX are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet Experian and XXXX has yet to removed from my credit files.
I have attached 3 documents. 

One showing the amount XXXX charged me, {$82.00} TWO showing PROOF from my bank that total amont was paid on XX/XX/XXXX I called XXXX, they said they would put a temporary credit on my account for the amount while they researched it. 

I sent bank proof, they send a second notice saying that I owed two late payments and extra interest and fees on a debt I have proof was IN FULL on XX/XX/XXXX They have since contacted the credit agencies and my credit has been effected on a debt I do not owe as it was PAID IN FULL on XX/XX/XXXX 2019
This debt appeared on my credit report. I am not sure what it is or who it is or why they are harassing me. I do not have anyone to have a joint account with. I am not married and I have no children. It could possibly be identity theft or theft
Today, XX/XX/2017 I received a missed call from an ( XXXX ) telephone number. There was no voicemail left so I returned the call. Once on the line, the collector verified my name and proceeded to inform me of a " debt. '' Throughout the call we went back and forth regarding Paying of said debt where I informed him that I did not have any money to do so. Nor did I plan to pay off the debt at all. He then threatened to escalate the matter to the companies legal team. I began to back pedal and explain to him that I never put right said that I will not pay but that I am considering why I should pay. He then started to speak to me in a condescending manner. At which point I asked if this call is being recorded, and he replied yes. I then asked why he did n't tell me at the beginning of the call nor did he tell me this communication is an attempt to collect a debt and any information obtained will be used for that purpose. He began to explain to me that his company has a different way of addressing the mini Miranda and that it does not have to be stated exactly that way. Yet, it was never stated. I only knew we were discussing an alleged debt. I got angry and hung up.
I have disputed this account several times, received no validation. I do not owe this nor have ever received verification Grant and weber # XXXX
Hello, I filed a dispute with Equifax because they are STILL incorrectly showing a discharged bankruptcy on my credit report. 
I am NOT disputing I filed the bankruptcy, what I am disputing is WHY is it on my file? The Bankruptcy was filed as a Chapter XXXX in XX/XX/XXXX. In fact, XXXX were filed because I did not understand the process. Both have been discharged and per the credit report limits, should be removed in XXXX years. 
Equifax is REPORTING the Bankruptcy as being filed in XXXX XXXX - an outright lie. In XXXX XXXX, they received a notification to delete the BK file or notice to delete the file. Instead, they flagged my account as if this BK was filed in XX/XX/XXXXi. Even though the BK info clearly shows the date filed, discharged ( XX/XX/XXXX ) and status as a Chapter XXXX. 
I am so tired of having to contact you regarding these credit bureaus. Equifax is negatively and willfully impacting my credit score by having erroneous information, presented as " current '' XXXX shows NO public records and that is correct. Please investigate on my behalf. 
Thank you. 
Disposition Date XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXDisposition Date XXXX/XXXX/XXXX ; Date Verified XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MDXXXX : ( XXXX ) XXXX is the address for both filings. As you can see, both are older than XXXX years old and should no longer show on my credit report. Unless you are trying to force my credit score to remain lower. How many years must I pay? 
Thank you
Enterprise Recovery Systems out of IL contacted a coworker at my place of business. 

This is from an IM of that conversation : " XXXX XXXX [ XXXX ] : Hello, I have XXXX from Enterprise Recovery Systems Incorporated calling asking for you, are you available? 
XXXX XXXX [ XXXX ] : She is no longer on the line, I sent her to your voicemail. I also got contact infotmation for her. 
She can be contacted at XXXX Option 1. Ext # XXXX '' I contacted XXXX and she said the only way I could verify my identity was to provide her my SSN. I refused and she mentioned that the calls to my employer may not stop till I provide my SSN. I spoke with her supervisor and she said that I need to give them my SSN. Ultimately, I said no and she hung up on me. 

Companies should not call and ask for SSN and other companies should not give that information away. They would not tell me anything about the debt till they got my SSN. They should not have my SSN. Companies should not give SSN 's to mom and pop debt collectors that could not tell me they are keeping that information safe!
On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

XXXX ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
i was with the XXXX over quite some time but nothing was happening and was getting foreclosure notices. I was stupid and stopped with XXXX due to their cost was {$3000.00} if had stayed with them i might not have to move? 
Again stupidly i went back to Wells Fargo and they had kept on sending me to foreclosure then another one and then another one. 
I think i told you previously that i was to court due to notice from Wells Fargo but did not make it as i fell getting out after finally got a parking space and a couple wanted to take me to hospital but came home. 
I did get some more paper work sent by another specialist XXXX XXXX a few days ago and was going to library to make copies. Library is closed today and 1/2 day tomorrow due to windchill temperatures of 33 below, I am going to try to find a rental i can afford and also money money for moving, i guess someone moving make take credit card? They want my house to resale for {$170000.00} plus? I know i should have stayed with XXXX maybe it would have changed things???? 
Thank you for caring
I am purchasing a house and my mother and my sister wire transferred my funds from XXXX which I can use toward the purchase of a house. The wire transfer from my sister XXXX XXXX are held by the Bank of America. The funds came in on XXXX XXXX, 2015. Bank of America requested some additional information from the sending institution in XXXX, such as the name and the physical address of the originator and the complete physical address and the economic need for the wire transfer. They got all the necessary information back on XXXX XXXX. However, Bank of America still does not release the funds. I have a settlement on XXXX XXXX, 2015. When I called the Wire Transfer Department at XXXX I was advised by XXXX that the Bank has a right to keep these money for as long as they need.