WillisBack/dataset-financial-user-claim huggingface dataset:
Subject : Regarding Equifax credit report Dear CFPB, I am victim of identity theft. Someone got car loan with my details from XXXX XXXX XXXX. I sent all my documents such as SSN card, police report, drivers license and latest utility bill to three credit bureaus to prove that I live in my current address, did not buy any car in last 2 years, and so did not get any car loan from any financial institution. XXXX  and XXXX have investigated and removed the account from my credit report. However, Equifax is not removing the account from my file. I sent request to Equifax two times. They refused to remove the account from my credit file. Car seems to be bought on different address. Not my current address. I sent all documents to prove them that Im living in my current address for last two years and told them I didnt buy any car in last 2 years. I sent latest utility bills too. How can they add new address in my credit file in XXXX-2017 and send their credit file to my current address? It is odd. They sent credit file to my current address and added new address to the file. 
I have decided to bring this issue to your notice because Equifax is not going consider my request. Can you please work with Equifax and try to resolve the issue. I really appreciate your help in this regarding.
My issue with this XXXX is that I keep having different continuing issues with this XXXX reporting inaccurate information on my credit report. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation or purposeful and deliberate actions on their part for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account that they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureaus. They are reporting the date first delinquency reported as XXXX and if they just began reporting it even though they have been reporting it prior. Previous to my dispute and complaint they were reporting as placed for collection XXXX. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and date first delinquency reported as XXXX and open and reporting it as if it is a new account. They are trying to throw off the credit bureau 's system and impact my credit score negatively in a big way, on purpose. This is the same collection agency just reporting it differently, although they do have about XXXX different names. The name does n't seem to have changes on my report, just the dates and other things keep changing. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. This debt is a very old debt they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting. I would like them to stop playing games with my report and stop with the inaccurate and deliberate incorrect reporting of this account.
I have tried in writing and over the phone to get unauthorized inquiries removed from my Transunion credit report. These inquires are damaging my credit and the credit bureau states they are not allowed to remove THEM which further damaged my credit report. I disputed this information with both creditor showing on my report and transunion credit bureau and the creditors are confirming they do n't report any information to the credit bureaus. The FRCA states that the only permissible purpose for pulling someone 's credit is for firm offer of credit, employment, insurance and court order. None of the following are related to none of the aforementioned permissible so Im requesting the following be removed. 1. XXXX  XXXX/XXXX/XXXX, 2.XXXX XXXX XXXX XXXX/XXXX/XXXX, 3.XXXX XXXX XXXX/XXXX/XXXX, 4. XXXX XXXX/XXXX/XXXX, 5.XXXX XXXX  XXXX/XXXX/XXXX, 6.XXXX XXXX XXXX/XXXX/XXXX, 7.XXXX XXXX/XXXX/XXXX, 8.XXXX XXXX/XXXX/XXXX, 9.XXXX XXXX/XXXX/XXXX, 10.XXXX XXXX/XXXX/XXXX, 11. XXXX XXXX/XXXX/XXXX, 12.XXXX XXXX/XXXX/XXXX, 13.XXXX XXXX/XXXX/XXXX, 14.XXXX XXXX/XXXX/XXXX, 15.XXXX XXXX XXXX/XXXX/XXXX, 16.XXXX XXXX/XXXX/XXXX.
I called Bank of America customer service on XXXX XXXX, 2016 and was told my wait time would be XXXX to 8 minutes. I was on hold for 25 minutes before I finally gave up and I hung up the phone. The next day ( XXXX XXXX ) I called the same customer service number and again they said it would be XXXX to 8 minutes and I was on hold for over 15 minutes before someone answered the phone. This lack of access and disrespect of customers should be addressed.
I have a Credit Card with Citibank and every time I try to use it at a new gas station the card is declined and frozen with a fraud alert. Then five minutes  later i get a call to verify the transaction. This does not help when I am at the pump trying to get gas. I have called citi several times and no one I speak with understands or cares about the issue. Most recently it happened at XXXX XXXX  on XX/XX/XXXX and numerous calls to customer service did not resolve the issue.
The creditor is calling everyone of our family members and friends. We do n't care if they call us, HOWEVER, we will not stand for the harassment of our family and friends. This is to file a major complaint against Springleaf Financial and its collection actions.
The first incident started on XX/XX/XXXX when {$840.00} was removed from my escrow account for the payment of homeowners insurance, however on XX/XX/XXXX {$930.00} was also removed for the payment of homeowners insurance. Obviously 2 payments were not necessary, it took approximately 1 month for Citimortgage to correct the problem and return the additional funds that were removed. All the while leaving my escrow account with less funds than it was supposed to have. The second incident occurred onXX/XX/XXXX and XX/XX/XXXX, when PMI in the amount of {$170.00} was erroneously removed from my escrow account. They had already removed the {$170.00} for PMI on XX/XX/XXXX which fulfilled the amount needed for the month of XXXX. I filed a " complaint '' regarding the extra funds being removed and have yet to have the money returned or given an explanation as to why after 13 years of having PMI, it was taken out more than once this month. I have grown tired of having " shortages '' in my escrow account due to the continued mishandling of my account. I urge you to look further into the errors being made by Citimortgage.
On XX/XX/XXXX, I collided with a taxi in XXXX while driving a XXXX rental car with American Express Premium Rental Car Insurance Protection. When I turned the car in, XXXX charged me an additional XXXX in XXXX pounds for damage estimate on my American Express Blue card. I filed an Amex insurance  claim over the phone one hour after the fender-bender. I completed all of the paperwork required. Amex then said they would handle the claim and contact XXXX. XXXX has never responded to Amex 's request for paperwork. I called Amex periodically over the months and was told there was nothing that could be done until XXXX XXXX attorney in XXXX  responded. I was told that it often took longer than 60 days to resolve a claim.

In mid-XX/XX/XXXX this year, I called and asked for a supervisor. XXXX told me I should not have paid the estimated damages because XXXX has no incentive to respond. XXXX said I had filed everything correctly and they had all the paperwork. She asked if I had disputed the amount. I said no, because I believe the insurance would cover the charges. XXXX said it was too late to dispute, but she would have the Amex claims adjuster contact me in two business days with a resolution. She said Amex could credit my account despite the 60-day window for disputes having closed.

I never heard from Amex. I called Amex insurance again this morning XX/XX/XXXX and was told I should have filed a dispute and that it was still possible to do so. I was transferred to Disputes, who said it was impossible as 60 days had passed and that the insurance division was separate from the dispute division and they were wrong. He tried to transfer me back to the insurance division but the call was dropped.

How do I get reimbursement for what I paid for the damage estimate and fees? Amex Insurance told me it takes more than 60 days to resolve ; Amex Disputes says the window closed at 60 days. The contract states the insurance is provided by AMEX Assurance Company, XXXX, A under Policy XXXX.

In short, American Express is giving me the round-around and I would like to have this resolved, please.
Medical Bill with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) at XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX and XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX FL XXXX phone XXXX Medical Services were around XXXX XXXX, 2016. Payments have been and are currently still being made as agreed {$10.00} / 2 weeks. All payments have been tendered by creditor and is now being reported as negative on my credit report.
XXXX XXXX XXXX Acct. # XXXX XXXX  Acct. # XXXX
Debt was paid XXXX/XXXX/2014, Was promise to remove/delete file from XXXX credit bureaus
The floor manager XXXX and XXXX call support staff on ( XXXX/XXXX/16 ) are XXXX stating that they are being given conflicting information by the XXXX XXXX XXXX XXXX because " XXXX XXXX will always show a record of the liens on my record '' while on the phone I placed a call to XXXX XXXX recording office and placed both XXXX and XXXX XXXX XXXX XXXX on the phone while having both XXXX then later XXXX to explain the " conflicting '' information. XXXX Experian employees where clearly told that because XXXX XXXX will forever show the liens it will also have a link that shows the liens where satisfied. Furthermore, XXXX XXXX was clear in stating to XXXX that Experian is the one that needs to vacate and remove these derogators from my credit report because they were satisfied and are no longer liabilities. XXXX refused to pass the call to a supervisor and when XXXX was finally placed on the line he refused to pass me to a manager to escalate this complaint so it can be removed immediately from my report. Also the letter received by the state of Oregon was not accepted as adequate information to remove the derogators from my credit report. Please help, it has been over 2 years fighting these derogators with no progress.
I have multiple dispute issues with Experian, XXXX and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer.

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX Status makes no sense, delete this immediately : Experian and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that Experian and XXXX report a monthly payment of {$0.00} while XXXX  reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX/XXXX $ XXXX/XXXX {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX/XXXX $ XXXX/XXXX {$68000.00} Past due : Experian and XXXX $ XXXX/XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
I 've sent Experian XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Experian takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.
I was repeatedly contacted by Account Manager XXXX XXXX even after a open inquiry disputing several charges. I called to complain to their escalation department and the customer service representative said they are a " legal front team '' and implied that I had no right to complain about how disrespectful the Account Manager was to me. I insisted that I be connected to the escalation department where I can file a complaint. I requested a different Account Manager a XXXX XXXX. I was told I would hear back from them within 48 hours but not response after a week and she has sent another threatening letter giving me until XXXX XXXX to call her about the debt. Is this legal to be dealt with in such a matter? It is not my intention to evade the debt but with someone that is n't so rude.
In  XXXX  I purchased a used car that is financed through  Santander Consumer USA . It was my first vehicle purchase, so I was not well informed about good interest rates and such. While I believed that I was getting an OK deal on a loan, I actually receiv ed one wit h an extremely high interest rate of 20.6 %, which is actually higher than what is allowed in Arkansas, but I was unaware.   In  XXXX   XXXX , my car was repossessed due to getting behind in my payments. My wife and I negotiated with  Santander to p ay a certain amount and avoid having the repossession placed onto our credit. After paying, however, the repossession still ended up on our credit. I also found out that all the payments that I had been making had gone towards interest, and that I had actually only paid {$3000.00} of my principle paying an average of {$400.00} per months ov er 20+ mon ths. My loan was only around {$17000.00}. After further research, I found out about the Arkansas ursury law, which limits the most that any interest rate in the state can be to 17 %, a full 3.6 % less than what I had. I also found out that  Santander  had broken laws like this before and had lost in court decisions about it. This being the case, I would like to challenge my interest rate as well as trying to have the repossession and the late payments removed.
I continue to receive phone calls on my mobile phone generally at ( XXXX almost daily ) from TD Bank regarding SOMEONE ELSE and their " personal business matter ''. The phone call I am receiving calls from is XXXX Extension XXXX. I have either answered or called back and spoken to representatives a minimum of XXXX times explaining that I am not the person they are looking for. On XXXX/XXXX/16 I spoke to an extremely RUDE operator ( operator # XXXX ) and asked to speak with a supervisor. She told me that she did not think that a supervisor was available. My response was " I 'm sure there is ''. After being on hold for 8 minutes, Operator XXXX came back on the line and told me a supervisor was unable to speak with me but that she located the account that was the root of these calls being made to me and removed the phone number from their list. I explained that this is the XXXX time that I have been told this and was very untrusting and displeased with this " resolution ''. Throughout the entire phone call ( as was with the case with the others ) this operator ( # XXXX ) was beyond rude and very unprofessional. Firstly, I am not the person they are looking for and secondly, no one should be spoken to and or treated this way by a business, especially one as large and well known as TD Bank. I ironically know the person they are trying to reach, have discussed these calls with the person they are trying to reach and told him that I would give TD Bank his information. TD Bank refuses to take said information. I appreciate any help I can receive.
I checked my personal credit report, and I noticed unauthorized inquiry had been made. 

I contacted these creditors, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the following inquiry on my credit report to determine who authorized the inquiry. 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX- XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 4.XXXX XXXX  XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX   XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XX/XX/XXXX 14.XXXX XXXX XX/XX/XXXX 15.XXXX XXXX XXXX   XX/XX/XXXX 16.XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 17.XXXX XXXX XXXX   XX/XX/XXXX 18.XXXX XXXX XXXX XX/XX/XXXX
On XX/XX/XXXX I opened a bank account with BBVA to receive a bonus of {$200.00} if I sent a direct deposit from my employer to the account. I was told, from the offer, that within 60 days the bonus would be posted if a direct deposit of {$300.00} or more was sent to my account. I was approved and set up my direct deposit. On XX/XX/XXXX, the direct deposit of XXXX dollars posted from my employer. I waited 60 days. The bonus never posted. I called and contacted the bank several times on XX/XX/XXXX and then on XX/XX/XXXX. I was told that the complaint was being escalated to corporate and to wait 24 to 48 hours. I have yet to hear back.
I recently made an inter-state move XXXX. A few weeks after I l moved into my new apartment, I received a letter requesting that I pay a balance to " Portfolio Recovery Associates '' for a credit owed on XXXX XXXX credit card. I have never had a XXXX XXXX XXXX, and the letter was addressed to somebody with my surname but the wrong first name. I ignored the issue figuring it was a scam. I just received the second letter from the same company, this time claiming to be owed a debt on XXXX XXXX Credit Card. I do own such a card but have no outstanding debt.
This account has been paid off In full but somehow during this process I guess the pay off was short due to getting the wrong info. This account also was never fully 30 days late.
Debt was discharged in bankruptcy. New collection agency assumed the debt and is reporting on my credit report.
I have disputed validation of debt several times with XXXX XXXX resurgent capital and now another Mandarich law group claiming to have validation I owe a debt. I requested validating evidence with my signed contract and anything to show the debt is indeed mine. Today XX/XX/XXXX I was sent an unsigned contract with no name on it from Mandarich law group claiming to represent XXXX XXXX who has refused to validate said debt. XXXX XXXX seems to no longer exists as they have never answered a single letter I send them for proof. The contract shows an online account under the name XXXX. This is not me. They have no proof this debt is indeed mine. I want this removed immediately from my credit reports. Please investigate this matter.
I have had my American Express card for a very long time. XXXX XXXX I was on vacation American Express XXXX gave me extra credit that I would pay in XXXX XXXX. I was told by that agent my payment would go to current purchases not pay overtime. long story short my payments went to my payoff time balance and I got hit with huge payments {$13000.00} and next one {$8500.00} I have been dealing with The American Express office in XXXX and every agent there keeps lying to me and I 'm tired of it. I ended up being 30 days late they are asking for another {$9000.00} so they do n't report me again and the following month another {$7500.00} because they took off my payover time feature because I was 30 days late. They are sending me into financial hardship and I was never notified about this change and they charged me fees on the pay over time money too which changed APR. I know there are laws to protect consumers against credit card bullies please help me I do n't want them to ruin my credit.
I had tried to modify back in 2016. I had utilized a company at that time who was assisting with the process XXXX XXXX XXXX XXXX XXXX ). It turned out an offer was made then which the company I was dealing with never made me aware of. The woman I was working with XXXX XXXX had left the company. When I questioned the bank what phone number they contacted regarding the verbal notification about the trial modification. I was informed they contact XXXX This is not my number. 
They did not contact me directly nor did I receive the document to my home. 
I never expected to be in this position. I lost my son and my mom very close in time between them. I work very hard and several jobs and had they offered me the same offer of {$2100.00} I would have been happy to accept this now and previously. 
Because of this unfortunate error with regards to not being informed by the party who handled this for me, they now refuse to offer me anything at all. I am currently in foreclosure and close to a sale date. I am at the end of my Law dates provided by the court. You are my last hope. I just want an opportunity to retain my home and prove my ability to pay.