WillisBack/dataset-financial-user-claim huggingface dataset:
I call EQUIFAX less than a week ago to notified them that I send XXXX XXXX a certified letter requesting that the furnished me with proof that an identity theft account belongs to be, the XXXX failed to furnish the proof that I requested and that they should remove the identity theft account of my credit file, but instead they claim that they opened an investigation and I received a letter in less than seven days that there investigation is complete and the debt have been verified as accurate, I believe that EQUIFAX is falsifying investigations/results every time I dispute accounts on my credit file, I have proof that they are because I also file a complaint with the CFPB against XXXX XXXX for failing to furnish proof that the debt belongs to me and they just respond less than 24 hour ago  stating that they are still working on the matter, I strongly believe that EQUIFAX is falsifying investigations and not really investigating my dispute or other consumers disputes, here is a copy of the response I received yesterday to contradict EQUIFAX fraudulent investigation ... 
CFPB Header XXXX XXXX XXXX has responded that it is still working on your issue. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX XXXX XXXX. We've sent your complaint to the company for their response. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

How can I see the company 's response? 
You can log in to your Consumer Portal to review the company 's response online at https : //portal.consumerfinance.govXXXX or click the button to the right. You can also review the company 's response by phone with someone, just call us at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. EST, Monday-Friday. See Company Response ImportantIf you submitted this complaint on behalf of someone else or you are the co-owner or authorized user on the account and you did not submit the complaint yourself you will need to contact us by calling XXXX XXXX XXXX XXXX for questions and status updates. Only the primary owner of the account will receive access to the Consumer Portal. 

The complaint process involves 5 steps. Step 1 is complaint submitted. Step 2 is review and route. Step 3 is company review and response. Step 4 is complaint closed and published. Step 5 is consumer reviews response. Step 5 : Consumer Reviews Response is currently selected. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Attempts to collect debt not owed We will let you know as soon as we receive an update about your complaint. 
Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX TTY/TDD : ( XXXX ) XXXX | ( XXXX ) XXXX Federal Relay Service : XXXX QUICK LINKS More about our complaint process : consumerfinance.govXXXX or call ( XXXX ) XXXX For legal assistance visit the Legal Services Corporation website : lsc.gov Additional financial information and resources : consumerfinance.gov CFPB Footer
I have sent in numerous information that proves an account on my credit report is not mine. Everytime i call them they change their story staying they have n't received it to " oh yeah we did receive it but it has n't been review yet. this was over a month ago. They constantly change their story and do not give me a straight answer. Ive been recording every call wit them proving that the are lying. I demand that they take all collection account off my report as I proved that all of them are not mine.
On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so XX/XX/XXXX credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( XXXX, Equifax & XXXX ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. Equifax said they never got the fax although I had a confirmation page of the fax being successfully submitted. Equifax made the update 7 days later so they in fact did get the fax. XXXX took the full 30 days to make the update although they said they would expedite the request. During phone conversations with XXXX  the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

XXXX had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with XXXX and Equifax it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.
PNC allowed XXXX XXXX XXXX to steal over $ XXXX from my business account by approving his access. ( I 'm the only legal signer. ) There was a huge investigation, indictment and his guilty plea to a XXXX theft charge. Despite the admittance of his guilt, PNC does not want to return the money they allowed him take. 
In the process of waiting for his trial, I got another call from the police. This time they found my PNC documents on site of a raid for a Identity thief ring with all of my personal information. ( Name, address, SS #, Date of birth ). I 've recently recieve a letter from the Department of Justice advising of my victim 's rights on that case. Despite them allowing XXXX XXXX XXXX to take money out of my account and allowing my personal documents to be stolen, they still defaulted my commercial loan that I made attempts to stay current on as well as paying on the credit card that XXXX XXXX XXXX pled guilty on abusing. My business was never allow to benefit from the loan because XXXX XXXX XXXX was allowed to steal the money directly from my business account. Just yesterday they sent an appraiser to my office to prepare for an online auction of all my equipment. I just want to make the public aware of what can happen when you are too small to fight against someone as big as PNC. I 'm asking for help.
On  XXXX   XXXX     2016 I ca lled century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.
My mortgage loan was transferred from XXXX. to Loancare at the end of XXXX. I received a statement on XXXX/XXXX/XXXX for payment due XXXX/XXXX/XXXX, of which I paid immediately. I NEVER received a statement/bill in XXXX for XXXX payment. I called on XXXX/XXXX/XXXX to inquire as to why a statement had not been sent for a bill due in a week. She claimed it was due to the weather! I decided to pay the bill online and the ONLY statement on the website was the XXXX/XXXX/XXXX statement. When I called Loancare back to let them know the website statement was not current nor up to date, I was placed on hold for 25 minutes which went past hours of operation and so my concerns were never heard. This level of incompetency for a company in charge of mortgages and tax payments is completely unacceptable.
Last Fall I discovered two " hard '' pulls on my Experian credit report, from a business by the name of XXXX XXXX XXXX. I never had any dealings with the company, and they never received my authorization to pull my credit. Because XXXX XXXX XXXX never responded to me directly, a Better Business dispute was filed in addition to complaints with both the XXXX and XXXX Attorney General 's Offices. 

Experian responded to the BBB dispute, and removed the two hard pulls in XXXX. For some reason these hard pulls were put back on my Experian credit report last month, and they should not have done so.
The cable account closed from XXXX is wrong, I moved out from that apartment since 2007, did they use the cable account in the next tenant or something like that?, please investigate. Thanks.
Identity theft : There are XXXX credit cards that were opened up in my name as a result of identity theft : XXXX is XXXX and the other is XXXX card : I contacted the credit reporting agency 's to report this fraud. I also contacted those XXXX stores. XXXX sent me a fraud investigation form which I filled out and sent back immediately and after there investigation it was proven that someone stole my identity and opened it fraudulantly. XXXX is still reporting on my credit report even though they were notified it was fraud and to remove it from my report. I have also contacted XXXX numerous times and requested the same form so an investigation can be done. I get nowhere with XXXX just the run around. I feel there is no proper investigation being done with these credit reporting agency 's and they just keep updating my report with this incorrect information which is affecting my score.
On XX/XX/2018, Coinbase withdrew {$140.00} from my checking account despite me not having done anything to justify this They claim this is a problem with XXXX however XXXX states that this problem is exclusive to Coinbase and no one else they serve is experiencing a similar problem
My complaint is from the Very Beginning Mountain Lion was very Cantankerous & trying to bully me around over the phone. Then later I received a Notice of Wage Garnishment of {$18000.00} from Mountain Lion Acquisitions. This company did not lend me {$18000.00} they purchased the loan from the Original owner Cash Call who lent me {$5000.00} to pay my Federal taxes. Therefore I do n't believe its Honest, Integrity or Fair for them to try & collect {$18000.00} from me when that 's not the Correct Accurate amount of the Original Loan. Mountain Lion nor cash call ever tried to work with me Mountain Lion just called me all the time with threats & this Ridiculous offers that no one can comply with unless your Rich, not a Normal hard working person that Pays the Correct amount of Taxes legally & Do n't Cheat on their tax returns & say I do n't know I just gave everything to my CPA yeah you know. Mountain Lion are in Violation of the Fair Debt Collections Practice Acts 15USC.1692., Common law malicious prosecution, & they are violating the declaratory relief under the California Finance Lender law XXXX, Mountain Lion is also in violation of the Roenthal Fair Debt Collection Practices Act California Civil Cod 1788, etseq. These kind of Company are Big Time LOAN SHARKS that should be prohibited to do Business because they PREY on Innocent hard working people like me! Also they Claim Millions of dollars on there tax return & write it down to mere pennies or some where around {$2500.00} and Rip off innocent people .They really were never willing to work with me they always asked for ALL the Money up front the Whole amount or more. They asked me for {$8500.00} the whole amount up front & then they just kept raising to {$9100.00}, {$11000.00}, {$16000.00} & Now {$18000.00}. If I had that kind of Money just laying around, then I would have never needed a loan in the First Place. Also With cash call they never tried to work with me if they did it would have not gotten this far I believe Cash call & Mountain Lion work as a team to Rip off people & That 's why they have a TV Commercial now. In the Very being something happen with my account & XXXX was not able to get paid from my account & when I tried to work with them They said NO we want all the Money up front & they would not take the payment arrangements any more & was so Rude, Mean, Nasty & Very Unprofessional. Then Mountain Lion calls me & they acted the same way mean & Cantankerous!
This complaint is again st Rentdebt Automated Collection, w ho 's addressed is listed on the credit report as  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  TN  XXXX .     This is the address I sent certified letters to request them to verify the debt the letters where not deliverable evidence of the attachments provided.     As you can see this complaint was initiated against the credit bureaus,  XXXX ,  XXXX  and   XXXX   to show the collection agency did not provide me with validation of the debt because they have a address that is undeliverable by mail. This was my augment why the debt should be removed.     The debt as reported on the  XXXX  credit bureaus mentioned above is {$4000.00} which is not my debit and should be removed. I found online the same company claiming someone else owes nearly the same amount, the person making the complaint posted it online, below i provide a brief example of that post.     I feel because the debt collection compa ny Rentdebt Automated Collec  tion had  a incorrect address for me to seek validation of the debt it should be removed.        XXXX  CFPB review In progress  XX/XX/XXXX   XXXX  CFPB review In progress  XX/XX/XXXX   XXXX  CF PB review R esponse disputed  XX/XX/XXXX   XXXX  CFPB review Response not disputed  XX/XX/XXXX   XXXX  CFPB review Response not disputed  XX/XX/XXXX   XXXX  CFPB review Response not disputed  XX/XX/XXXX   XXXX   XXXX ,  XXXX  Online Complaint I found onlin e : RENTDEBT AUTOMATED C OLLECTIONS RENTDEBT AUTOMATED COLLECTIONS Contacts & Information Posted :  XXXX  Unknown Bill Complaint Rating : 100 % with  XXXX  votes Contact information :  XXXX  at the  XXXX   XXXX   XXXX , Texas United States This company is claiming debt is owed on an apartment rental. They calle d six month s after we moved out saying we had been sent to collections for a broken window. Actually, I 'm not the one who received a call my roommate did. I did see it on my credit report though. This is crazy. No window was broken and no bill was ever sent out. If they do n't make a claim within 30 days of moving o ut ( a   stretch in my opinion ) it 's a bogus claim. Anyone could have broken a window if a window was broken at all. This place went through  XXXX  managements in the 6 months we lived there. They 're poorly run. Then this collection company states we owe money. I 've yet to see a bill on this claim or a call. I refuse to pay for something I did not do to a company I do not think is legit.     This company is so crooked. I moved out of  an apt complex over  a year ago. When I moved out, the management tried to say I left almost {$4000.00} worth of damage. What a bunch of  XXXX . I disputed the charges via certified letter. I then get a call from this sham of a company stating I owe them this money. I sent them a copy of the dispute and I never heard anything else from them. But today I found the collection on my credit report even after I sent them proof.
I sent a debt validation letter to Santander Consumer USA in XX/XX/XXXX,  never received anything in response. I spoke with an account manager on the phone for Santander Consumer USA and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that Santander is reporting different amounts to each Bureau, and also  reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month Santander has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
To who may concern, This update is continuing for previous complain and recent BMO Harris bank action of my home equity line of credit. I started my proces two and half months before my maturity date XX/XX/2016.All documents required by the bank has been promptly delivered on day one and no additional paperwork after that. Through that time I received offer that Harris bank declined itself by saying they overlooked some details. 
Then all two months no communication about specific product of modification, new home equity line of credit until 3 business days before my maturity date I received some documents ( see attached files ). First two months old decline offer, second bill for {$150.00} and third info about hardship and foreclosure. This only proves that the BMO Harris bank has no interest to protect that time bank 's money of {$150.00} while bank estimated my home value for {$120.00} ( well underpriced and initial complain describe that I offered {$50.00} down to keep going with helc ). 
Set it all together it shows fot the BMO Harris bank 's dirty practices and I believe that cases like this one would halp the state and federal law enforcement agencies to protect other customers against this bank. 
Sincerely XXXX
A discover call center representative informed me that for a payment of XXXX they would remove the charge off from my credit report I made the payment yet this information is still showing and discover is reporting as accurate I would like this information reviewed and the call pulled up if possible I feel that it is unfair for discover to just lie to its customers
I entered into an agreement with American Express credit cards on XX/XX/2018, responding to an offer of XXXX Delta Sky Miles to agree to obtain a credit card with American Express and spend {$3000.00} within the first 4 months of opening the account. The credit card was obtained XX/XX/2018 and the required spending of {$3000.00} was met on XX/XX/2018, however, American Express has not honored the terms of the agreement and I have not been granted the XXXX Delta Sky Miles as of the writing of this complaint XX/XX/2018. I have contacted American Express about this issue and was told that they have decided not to honor our agreement based on my relationship with them. Additionally, I have asked for a transcript of the conversation stating that I was being denied the bonus, and this request has been denied also. I am asking for assistance in resolving this matter and holding American Express responsible for adhering to the terms of our agreement. American Express is stating that I was denied the bonus upon application, however, this is did not happen. I have a dated screenshot of the credit offer I applied for and was approved for. This screenshot has been attached.
Collection Notice sent to me from, first : Southwest Credit Systems for an unpaid amount of {$130.00} for XXXX XXXX. Then Southwest sent that to a collection AGENCY called XXXX, XXXX XXXX XXXX, XXXX, FL XXXX reference # XXXX. Amount {$130.00}. XXXX says I do n't owe them any money
I have private loans and government loans with my private loans they help me out and getting a lower payment rate so I am able to pay them which I have been on top of them since I started with Navien it they have never been able to work with me in regards to my repayment after I let them know how many student loans I have had I 've offered to pay but at a lower cost just because the interest rate and the amount I owe has been so difficult for me financially with family and they are not able to help me in any certain way every time you call they see if there are no options and that 's the only thing we can do I always offered to pay just a lower rate just so I 'm able to pay something versus pay nothing and they adamantly say no.
I bought a car thru XXXX XXXX in XXXX XXXX I had XXXX car payment late due TO THE XXXX SHUTTING DOWN FOR TWO WEEKS it was n't my fault that was out of my hands and they marked me late. Also I signed up for auto pay in XXXX of XXXX. THEY XXXX UP PAPERWORK AND DIDNT PUT IT IN FOR 3 months even though I talked to their representatives and they told me it would only take 10 days from the date they received it. It took them three months. So that is not my fault that they XXXX up but they have marked me late XXXX. So a total ofXXXX late payments which was n't my fault. I can not help if XXXX shut down and we did n't get paid on time. And its not my fault that their employees do n't put paperwork in on time. I am still paying on car and, my monthly payment comes out every XXXX of month now
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through Ally Financial. 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. 

1 ) 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.
My XXXX Credit Card A/C ( XXXX ) information does not appear on my TransUnion Credit Report. 
1 ) I contacted XXXX - They said XXXX is reporting the A/C information properly to TransUnion. 
2 ) I contacted TransUnion - They said the A/C information is not there. 
3 ) Both XXXX & TransUnion will talk to me independently but not with each other. 
I do not know how to resolve this issue - so I am contacting you