WillisBack/dataset-financial-user-claim huggingface dataset:
Hi. I had previously submitted a complaint re Equifax and their release of my personal information ( via a hack ). More specifically I had been unable to establish a TrustID account with them as they had promised to those of us " hacked ''. The complaint number is XXXX and was submitted on XX/XX/XXXX. 

My understanding of their response is I could not prove that I am XXXX XXXX. Although I applaud their security in this effort, what they did not tell me is how I can provide that I am in fact XXXX XXXX. I am happy to provide copies of my passport, driver 's license, etc. As proof of my identity and intent, I have attached a copy of this years Annual Credit Report Equifax provided me in XXXX of this year. I can provide much more documentation if Equifax will provide very specific instructions on the information they need. 

As a side note, I am a US Citizen working in XXXX at the XXXX XXXX. I can provide US Government orders showing this fact. I am a citizen of the US, pay US taxes and VA state taxes. Also, I will be finishing my tour in XXXX in XXXX of XXXX and will return to my previous address of XXXX XXXX XXXX, XXXX, VA XXXX around XX/XX/XXXX. 

Please, please, please let me know how I can fully establish a TrustID account! 

Thanks, XXXX XXXX
Back in XX/XX/2017, I was in talks with LoanDepot for a refinance option that I ultimately decided to not go with. As part of that refinance negotiations, I got the attached appraisal report done by XXXX XXXX XXXX via LoanDepot. I am not disputing the amount on the appraisal report but there are mistakes on the report that the appraiser should correct and provide a corrected report. The most prominent mistake says that my home has a partial basement even though it is clear from both the photographs and the County Auditor 's website that my basement is a full basement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the report fails to acknowledge the fact that my house does have the following appliances : dishwasher, disposal, microwave and washer/dryer. The pictures in the appraisal report show that I have those appliances. I raised this issue with LoanDepot earlier as well but they didn't take any action. I request LoanDepot to ask the appraiser to provide a correct report as I paid for the report. I tried contacting the appraiser directly but they asked me to go through LoanDepot as they are the customer for the appraiser and not me. Please resolve this ASAP as I need the appraisal report for other purpose.
This is a follow-on to several existing CFPB complaints against Bank of America. Further to the existing file, they incorrectly applied a payment in XXXX to the prior month when it was intended to pay the current month. they therefore said the account was late. they applied a late fee on XXXX XXXX. I called on XXXX XXXX and explained the situation. They removed the late fee. They neglected to note the file that the payment I had made was for the immediate prior month statemnt, so when the next one closed, they carried forward an erroenous past due amount, even though three days earlier we talked on the phone and they " fixed it. '' I then had to call in again for over a hour on a Sunday and, after having the rep misinterpret my file thining I was a chronically late payer, when in fact I pay as early as possible, she said she moved the payment, it was fixed and the wwebsite would be correcteds to no longer show past due. all I would hve to pay is the newest mnobnth. The webstie did not correct and I filed a CFPB complaint earlier this week. They still have not fixed it. so I paid {$100.00} for the current month even though the website still showed wrong info. This mornign, the website is still showing a missed payment and a late fee as due. I am on the phone with B of A and the rep is telling me to disregard the late payment notificatios the website is displaying. No, the website needs to be correct and if I don ' ; t get them to fix it, you don ; t get them to fix it, or I make a /THIRD payment this monthkl they will still rerroneously relfect me as late. sorry for a all the typose, I am in a XXXX rage at this point. -- Five minutes in, and the rep on the line is acknowledging, for the umpteenth time, that this " should have been corrected, you are absolutely right, we will get this tken care of straight away ''... but they never do, and then when it happens again, I wil have to spend hours trying to get it corrected.
I was profiled as a XXXX male in XXXX Wells Fargo branches and yelled at in a XXXX branch over the phone and then was told by corporate security they were closing my account. This guy yelled at me. I have reported this to wells Fargo. And asked to get the video tapes of my harassment. They will not help and refuse to acknowledge any wrong doing on the part of all employees involved. They have denied me access to any wells far go bank and said they will call the police on me if I ever go into a wells fargo bank again. This is XXXX and an act of XXXX threats towards an individual consumer.
The bank deducted from my account a daily charge of {$5.00} without my consent because supposedly it was in overdraft. I was not informed of this new policy from the bank and today XXXX/XXXX/16 I closed my account with Banco Santander.
The only charges to my bank account at the end of the service {$500.00} or two charges at the end of the service. One for {$380.00} and another for {$120.00} both to be done at the end. Of the service. No, not during the service. The end of service. Only those particular specific ones. " Equals to only {$500.00} '' None of the process procedure was done!!! 
Please do not forward attachments. Download attachments. Then send to.

Reason I, do not work for the CFP bureau.
On  XXXX / XXXX /  XXXX   I contacte d Portfolio Recovery Service  concerning a debt. I requested certain information concerning this account but  XXXX   XXXX   XXXX  reused to answer them. Furthermore, she would not answer the key question as of when was the account that is not mine being reported to the credit bureaus. I told her that I have rights and that by refusing to answer she was violating my rights as a consumer.
I went to the doctor XXXX/XXXX/15. I had a {$72.00} co-pay I owed for a dermotology visit. I intermediately paid it when I received the bill ; paid XXXX/XXXX/15. The doctor 's office took and cleared the payment. Then they say they ca n't find the payment. I called to clear it up. They said to fax in proof of payment. I did that. They submitted the account to a collection agency. XXXX/XXXX/15 I received a bill from the collection agency ; I have a collection company trying to collect on an account that has been paid.
The representative from Delta Management called by immediate supervisor and discussed my debt with her. When my supervisor was unwilling to discuss this issue with the representative, they questioned her asking " if she was n't concerned about her employee not paying her bills ''. My supervisor indicated that the representative was very aggressive. 

This was very inappropriate and could have lingering impact on my employment. Attempts were made to contact me but I had been in meetings for most of the day today.
I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current employer is : XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.
Your recipient should have the money by XXXX XXXX, 2015. 


Paid withPayPal CreditMake a PayPal Credit paymentShip toXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXUnited StatesTransaction XXXX Seller infoXXXX XXXXXXXXXXXX XXXX Amount {$780.00} Fee {$0.00} Total {$780.00} See details on classic site
On XXXX XXXX XXXX I went to purchase a new vehicle, XXXX to me a credit reporting agency called XXXX XXXX has access to my credit report and is reporting false information and a low XXXX XXXX of XXXX. When the original XXXX are reporting accurate information. I do not trust now acknowledge this agency They report my XXXX XXXX inaccurately and caused me to not receive support from several loan agencies. To file a formal complaint or to even gain a copy of my report you have to mail in important items. They are non accessible and is reporting false information please stop them.
Unauthorized charges were made on my AMEX Credit Card ( on XXXX/XXXX/15 ) and several things happened : ( 1 ) In calling AMEX, they could not take the dispute as the charges were " pending '', and I had to wait until it was cleared ( it cleared on XXXX/XXXX/15 ). ( 2 ) The representative accused me of making the purchase as they were made online. ( 3 ) I have disputed the charges - again - online through AMEX 's website, and uploaded documents. I had to upload documents proving that I was not in the same state when the purchases were made " in person ''. 
I have asked AMEX for the name of their attorney or other person who will be investigating the unauthorized charges and investigating me. 
( XXXX ) I believe that AMEX withheld information that there was some issue with the credit card. On XXXX XXXX, 2015, I attempted to purchase a less than {$10.00} product online from XXXX. They refunded the purchase and stated that they believe there was suspicious activity with the card. I reviewed all my purchases from XXXX XXXX, 2015 and earlier and noted no unauthorized transactions. I believe there was information available to XXXX that my credit card information was stolen and was being used to create a new and fake credit card. AMEX should have known this if a small company like XXXX knew it.
I received a letter from First National collection bureau regarding XXXX funding. I have documentation from XXXX who told me they are not going to attempt to collect on this because its over 10 years old and they are barred from trying to collect on it. But XXXX broke their promise and still are trying to collect on a 10 year old debt. A debt is suppose to stay on your credit for 7 years and fall of, but they keep trying to collect on it.
The company has claimed to be from a law firm and states that I am currently being sued. I have tried to set up payment via these phone calls with this company previously and only one payment went through, it was cancelled on their end and the harassing phone calls continued. They do not call my cell phone. They call my mother and harass her by telling her they have all of her private information such as her social security number and all previous addresses. We have asked to resolve this and stop the harassing phone calls with no success. The amount owed is less than {$500.00} and it is on a credit card from 3-4 years ago.
The mortgage servicer SETERUS , Inc. isn't following the Mortgage servicing rules. 
I always make my payments on time. Please verify my records. 

According to my bank ( XXXX XXXX XXXX XXXX ), SETERUS, Inc. always cashes my checks between the XXXX  and XXXX day of each month. 

However, on XX/XX/2018 SETERUS sent an offer to reduce fees owed. The letter states that my account is in good standing but I owe {$1000.00} in unpaid late fees. 

I believe that SETERUS, Inc. is committing fraud because I have never been late with my payments. 

Enclosed is a copy of a letter received from SETERUS, Inc. that was sent to me. 

Sincerely, XXXX XXXX
I entered the XXXX XXXX XXXX XXXX on XXXX XX/XX/2017. At that date, I had a balance of {$24000.00} on my Wells Fargo ( WF ) Visa credit card. At the time of entering XXXX XXXX under Title 10 of the U.S.C., I provided WF with a copy of my Orders. WF acknowledged receipt of these Orders for my checking and mortgage account, but after nine months have still not applied the SCRA benefits to my credit card, which oddly enough is the only account that stands to benefit from the SCRA 's protections. I contacted WF about the incorrect interest rate in XXXX and again provided them with a copy of my Orders because they " never received them, '' even though they could see that my checking and mortgage accounts had the SCRA protections on them. WF now acknowledges via telephone that they have all of the needed documents, but are " still processing my request. '' As of this writing, they have been " processing the request '' for a month and a half. Since entering XXXX XXXX, I have not used this Visa card for any purchases, so all interest accrued on this card should have been capped at the statutory cap of 6 % rather than the previous 12.75 %.
I have several hard inquiries on my credit report that I did not authorize. I have contacted each creditor that pulled my credit. I was unable to get the inquiries removed. I contacted all XXXX credit bureaus and were unable to get my inquiries removed. The following are inquiries that I DO NOT recognize. <P/>XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX I would like these inquires removed from my credit report promptly. They were not done by me nor auhtorized by me.
In  XXXX  o f 2016, I tu rned in a lease with a  Honda dealer. The financing was done through American Honda Financing, and at the end of the lease, I released with Honda. At the time of this transfer, I was told that my two remaining payments on my old lease would be covered and I would not be responsible for this.       When I received a bill from Honda Finance with the end of lease balance, these two monthly payments were included on the bill. Instead of paying this, I tried to communicate my concerns with the dealership and with Honda Finance, but to no avail. They kept threatening that this would be reported as significant late payments on my credit, and kept trying to get me on a payment plan. I ended up making a significant payment with them and setting up a payment plan for the rest in the hope I would get it resolved before the next payment. I did not resolve the issue with them ever, as they kept giving me the runaround every time I called. I ended up paying off the balance in a settlement and the account was closed.      While this entire process was extremely draining, and I was very frustrated with the process and the outcome, the next issue involves their willingness to make any adjustments on my credit.     I went to apply for a home mortgage, and the lender told me these late payments were significantly  affecting my credit, as there was multiple occurrences of 30,60,90 days late while I was trying to work this out with Honda. I called Honda to try to resolve the issue and have them work with me on correcting these late payments on my credit report. Because I paid the balance and admitted this debt to b e mine, they would not adjust their report to the credit bureaus, as they took zero responsibility for this situation.     Their escalation specialists would not even put me through to  a manager, and I  had to call the next day and ask someone different to get me to their  manager.      He called me later that day, and while he asked me to explain what was going on, he became very rude in the end and told me while they did have the ability to adjust this on my credit, he had made his decision and would not be moving forward. There was a complete lack of respect for a borrower who has been with them for 7 years. Credit reports have significant impacts on people 's daily lives, and because they were not willing to relieve the simple late payment history on a one-time occurrence, they are hindering my ability to work on repairing my credit in order to purchase a home. I feel very trapped and taken advantage of.
I think this is a bogus debt collection agency, they are fraudulent. I think a crook bought up my debt with stolen government many years ago. I went to XXXX in XX/XX/XXXX. Some crook from this school bought that and all my debts. He or she gets into all my accounts. He is now using a phony " Sunrise Credit Services '', collection agency. He seems to either be part owner or in some type of conflict. 

He is now trying to collect in fraud {$87.00}, that I DO N'T owe XXXX cosmetics company. He 's gotten into all my accounts, and seems to be the person stalking me. He XXXX be breaking in, and hacking my computer. I am a XXXX XXXX, I sent about {$87.00} dollars worth of cosmetics back to XXXX, a feww months ago. He or she must also work at the XXXX XXXX where I mailed the box back. These boxes are picked up by XXXX weekly. He or she could work for XXXX, the XXXX XXXX ; XXXX XXXX, XXXX. CA. XXXX and several other accounts I have. He or she recently got into my Zazzle.com, account small online gift shop, taking from that. 
I do n't think Sunrise Credit Services is credible. This person is associated with many credit collection agencies. He or she is getting money on both sides of the fence. XXXX itself is also charging me about the same amount.
On  XX/XX/XXXX    XXXX   XXXX   XXXX   through   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   AZ   XXXX    reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. Neither do I contracted any private loan, mortgage loan, credit card debt or any kind of contractual agreement that involve any monetary value or the said claimed amount. My employment contract with  XXXX  does not include any agreement or clause that states that I will be charge with such amount whenever my contract is terminated or ends with   XXXX   XXXX  . A copy of my contractual obligation with   XXXX   will be attached for your review. I Remembered that I was employed by   XXXX   on  XX/XX/XXXX  as an   XXXX   XXXX   until  XX/XX/XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers, and  XXXX  pending sales to   XXXX   XXXX   who was my immediate supervisor, as per company policies. Since I left  XXXX , I have never in any form sold any policy to any person as a replacement from the policies that I have written when I was employed by  XXXX . When I became aware of this information on my credit report, I reported to Equifax about the inaccuracy of the report. I also contacted  XXXX  to provide me with information about any account in my name with explanation of how I owed such amount and have since never been provided with such information. Moreover,  XXXX  have never contacted me about any debt after I have separated from them.Reference complaint number  XXXX , you referred equifax to investigate my complaint. Equifax rather corroborated with  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , and added {$1.00} to the original amount of {$3400.00} to make it {$3400.00} and reported it again in my credit report on equifax official site. Now they have   XXXX   accounts in my name reported on my credit report from   XXXX   XXXX    through   XXXX   XXXX   XXXX   XXXX   XXXX   after the CFPB have referred Equifax to investigate my first complaint.  XXXX  of the account is reported as {$3400.00} and the other reported as {$3400.00} all from  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , This illegal behavior of Equifax, indicates that they are in corroboration with   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   to damage and destroy my credit worthiness and to prevent me from pursuing any career opportunities. Equifax behavior also showed gross amount of disrespect for the Consumer Financial Protection Bureau ( CFPB ) .I want all of this inaccurate information remove from my account.
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Someone tried to open an account during fraud and identify theft.
Equifax Confirmation Number XXXX had the specific as folllow : Dispute Summary Type Name/Account Details Reason XXXX XXXX XXXX XXXX XXXX, SURPRISE This is not my address ; it belongs to a Address, AZ XXXX relative or another person with same/similar name. Confirmation number : XXXX Equifax broke FCRA act by adding to Mr. XXXX record that unthorized address as described above in that Equifax online dispute confirmation XXXX. Moreover Equifax deleted a longtime address of Mr. XXXX which is : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX va XXXX. Equifax falsified Mr. XXXX Record That It administers in violation of law. Other violations committed as Record will bring the allegations stated else where in details and Equifax with intentional recklessness refuses to clear the mess it caused in Mr. XXXX Equifax credit report and instead insisted to continue with intentional recklessness to cause more irreparable and imminent damages and losses to Mr. XXXX. Equifax you are going to be sued. End.
Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XX/XX/XXXX 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XX/XX/XXXX2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt. 

I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.
Today, I was trying to transfer my membership points to my XXXX XXXX account. But facing the issue like this : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria.
Diversified consultants has reported a derogatory open account to all three bureaus that they refuse to validate. I've requested twice that they validate this debt, as I was a victim of identity theft around the same time they claim I established service with them. I've not had a XXXX account in years. Even then it wasn't under my name. I am requesting that Diversified consultants INC validate this debt. Please provide me the information used to establish this account in XX/XX/2015 such as social, ID and or signature on contract. It is vital that you're reporting accurate and true information. I am prepared to go as far as I need to, even if this is court. This is holding me back and I refuse to pay a debt I know doesn't belong to me. The amount said I owe is XXXX. I was a victim of identity theft and had a few other accounts where someone had used my name but used a diff social and they reported the debt to me, obviously this was removed since it was against the FRCA laws. So please validate this debt showing me what information was used to establish this account. This is my last attempt to deal with this before seeking legal counsel
IVE WRITTEN THUS COMPANY SEVERAL TIMES STARTING IN XXXX XXXX, 2018, ASKING FOR VALIDATION OF DEBT LETTER INWHICH THE COMPANY REFUSED TO SEND. ALSO TO ADVISE THE COMPANY THE INFORMATION IS CORRECT AND TO VERIFY THAT THE ACCT IS MINE, BUT THE COMPANY REFUSED TO SEND ANY INFO. UNDER THE FCRA THEY HAVE 30 DAYS TO SEND ME THE VALIDATION OF DEBT NOTICE AND THIS COMPANY HAS FAILED TO SEND ANY INFO ON THIS ACCOUNT.