WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudaulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
I requested validation and verification of a bankruptcy with LexisNexis that has been reporting to the credit bureaus. After 30 days I received a response from Lexis Nexis stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
I applied for a credit card and I was told it was under review. I called the company and was informed by a staff that all I needed was to retake the application and send in a copy of my bank statement and social security card. This was to verify my address and my social. He told me that was all I needed and then I will be approved for XXXX. I submitted the items as he told me. Yet I received a letter saying I was turned down because they could not verify my information. I asked what they could not verify as I had submitted the documents they asked for. I was told they were not COMFORTABLE with my application. I feel this is very discriminatory because I have a XXXX origin. However, I am a US citizen and should be treated fairly.
The following information on my credit report is fraudulent. I have no knowledge of these hard inquires on my report. 
1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX I will appreciate if these inquiries be remove from my credit report. 
Thank you.
I was shocked when I reviewed my credit report an unknown collections from XXXX on my credit report. I am not sure how this happened, I believe this is inaccurate information on my credit report. And I haven't receive any information to dispute this allege debt.

However, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
I am a XXXX, currently unemployed. I was looking at options to finance my education, and wanted to know if I had enough ( any ) credit built to take out a student loan without my parents cosigning. My free credit report did not display whether I had any credit established, so I paid XXXX {$1.00} for a full credit report. I got the report and saw that I did n't have any credit built so I would have to get my dad to cosign. 
Flash six months later, I recieve a text message from my bank telling me that I have overdrawn my account. It could n't have been possible, because I have n't been using that card. I looked at my bank statement and noticed that I have been receiving monthly reoccurring charges of {$19.00} since XXXX 2015. XXXX automatically signed me up with out me knowing to a monthly subscription with TransUnion. I had no idea this was happening, and the customer service department was extremelt insensitive when I explained the situation. I do not have an income, and I do not have any credit for them to monitor. It was disingenuous to sign me up unknowingly, especially for a purchase that was not authorized buy the card owner. They will not refund me. I want the company to be held accountable for what they did.
**This not a duplicate Complaint. The information attached** Recovery One Responded to Complaint #  XXXX  on  XXXX   XXXX  , 2017.      The company stated that they will cease collections efforts and send out delete notices to all credit bureaus. ( Attached ) I will like this company to send the delete notice to all credit bureaus again due to  XXXX  is still reporting this account.
so i pay XXXX to this company, after a few attempts to get a proof of debt, i receive the same bill 4 times. none on them explain the amount own, so for almost 3 month i been dealing with the collection agency to get a refund of the amount i already pay, because they couldn't proof the i own the amount.
I have received XXXX calls from FNCB, telephone number XXXX. When we answer the telephone, no agent is on the line to explain the reason for the call. The calls have occurred on XXXX/XXXX/2015 at XXXX, XXXX/XXXX/2015 at XXXX, and on XXXX/XXXX/2015 at XXXX. The calls come to XXXX which is on the Federal Do Not Call list. My credit report shows a credit rating of XXXX, and we are not in arrears on any debt. At XXXX years old, I do not wish to run to the telephone to find no agent connected to explain the reason for the call.
On or about XXXX XXXX, XXXX I called Experian after receiving my credit report and noticed an extreme amount of inquiries on my credit report. I asked them to be removed because I didnt give any of these companies authorization to run my credit. I was told by a representative that they would not be removed off of my credit report. The inquries are as followed : XXXX : XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX
I went to XXXX XXXX in XXXX XXXX  Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then 24 hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, XXXX XXXX, and capital one auto finance they refused to do anything about this issue so I then filed a complaint with the XXXX XXXX XXXX and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information
I received a voicemail that I needed to call about a problem with my XXXX XXXX card. I called back, gave them my name, account number, social security number, etc and they told me that they were reducing my credit from $ XXXX to $ XXXX because Experian had sent them a letter saying that my credit score was XXXX and I had serious delinquent accounts. I immediately thought this was a scam because my bank had just sent me my credit score three days before and it was XXXX. I rushed home to get my card so I could call the number on the back and tell XXXX XXXX that I had just given my card number and all identifying info to someone and that I needed to close the account to prevent those people from using my credit. XXXX XXXX said that it was them who I had been speaking to earlier and the information about my credit that I received was correct. So, I called Experian. They pulled up my credit and said my score was XXXX and I didn't have any delinquent accounts or carry any balances on anything but my mortgage. They said that they couldn't call XXXX XXXX but I could have XXXX XXXX call them. Well, XXXX XXXX can't call them nor can they pull my credit report even after I give them permission on a recorded line. So, I faxed in my credit report to XXXX XXXX at a cost of {$32.00}, but XXXX XXXX says they never received it although I have a successful transmission report. I can't submit a dispute with XXXX XXXX because I don't have a charge that I am disputing. I have spent HOURS trying to talk to someone who would listen to what happen to do what was necessary to fix their error, but there doesn't seem to be anyone at XXXX XXXX that cares. To be fair, maybe the error was with Experian but they say they didn't send a letter, so I don't know what to do. I feel pretty certain at this point that no one is trying to steal my identity because I pulled my credit report from all three credit reporting agencies and my scores at XXXX, XXXX and XXXX. I just want the error fixed and off my XXXX XXXX record. Is there any way that you could help?
The following case has been filed before this. The case # XXXX. The problem is the last resolution that was sent from the company had the wrong amount of money owed backed to me. The total garnishment they took was {$4600.00}. They had since sent a check in the amount of {$3000.00}. I was asking for a remaining balance of {$1900.00}. This is to equal the amount of {$5.00}, ooo.oo. The balance over the garnished amount was for loss wages and mail correspondence to be reimbursed. I denied the companies resolution, they reversed the amount shortening me {$20.00}. This should of been paid months ago. It is now ordered they should only be fair and pay interest on this money they refuse to send me. I believe thee rate they were charging me for garnishment was 12 %. I believe that is what I am owed. They had stalled for 3 months. 3 months at 12 % if {$1900.00} equals {$940.00}. Please have then send a new contract I will gladly sign. They have to get a new way for me to send it. I do not live I a big city and do not have access to a XXXX drop box. The nearest one is 45 minutes away. I believe I should not have to spend any more money on the account they garnished and deemed fraudulent. The total amount owed to make this whole is {$2900.00}. Note I have all documentation already submitted in previous complaint. The proof of amount garnished from my XXXX XXXX. Thank You.
XX/XX/2015- validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACThere has been no response despite having sent the request to address on credit report and another address found on line.
The company ( Chase ) agreed to correct the incorrect late reporting ; however, the late payment is still reflected on the XXXX report, and affected my current refinance because my score was slightly too low for the lender 's credit of over {$400.00}. Chase was notified about this issue in early XXXX, and has still not corrected the problem. Please see the attached evidence, which is a copy of the Chase letter, and a copy of the XXXX report.
Navient is my Federal Consolidated Student Loan servicing agent. My loan was transfered to them by XXXX. I can not get a complete account history from them, they increased my monthly payment, yet I am receiving {$10.00} less off my principle every other month ... I work as a XXXX at a XXXX and I am located off campus at the XXXX. I have been paying for approx. 10 years. I have paid nearly {$48000.00}, yet have only received approx. {$9000.00} toward my principle on a {$79000.00} debt. Something is wrong ... and I can not get them to fix it. My original loan servicing agent was XXXX XXXX ( and we all know what they have done. ) They transfered the loan to XXXX ( once again not the top performer ) And, it ended up with Navient ... Even the Department of Education can not tell me or provide me with a complete account history ... showing my initial interest rate at 2 % nor what my current interest is at. 
Thank you for helping ... I really appreciate your efforts in taking on this large of a challenge! 
XXXX XXXX
In XXXX I opened a savings account with XXXX XXXX XXXX who has singer merged with UMB Bank at XXXX XXXX XXXX, XXXX, Kansas. According to UMB there is not record of me. I became a customer of XXXX in XX/XX/XXXX. In XX/XX/XXXX I opened a separate savings account with {$300.00}. I NEVER withdrew any money nor added additional monies to this account. I now want and need the {$300.00} plus earned interest for at the least 7years that the bank deemed it inactive. Thank you
I have a personal loan with One Main Finance. The loan was due on XXXX XXXX the payment is in the current month due. But they started calling me on the XXXX non stop. The loan is n't even XXXX days past the due date. Calling me XXXX times or more a day leaving messages. All day calls starting at XXXX ending around XXXX. Even calls to my phone on Saturdays.
Weichert financial services has an online way to pay your mortgage. The first time it malfunctioned they convinced me I made the mistake. Simply put the payment I submitted did not 'take ' they admitted they could tell I was online and then reprimanded me for not making sure I got a confirmation email. These emails could take up to a day with the old system and i reluctantly paid the fee. After they modified the site a similar thing happened, this time I went in to overpay to pay down principal however after i submitted the over-payment I realized not only would there be a delay in a coming deposit but also another bill that had a pending outgoing payment. I called and spoke to an agent that informed me that I could do this from the site I asked her to remain on the phone while i cancelled the payment I has just set up, she did, I went through all the steps that not only she told me to do but were part of cancelling this online. I got an onscreen message that said the payment had been cancelled was overjoyed told her I was sorry for bothering her and if i knew it was that easy I would n't have made the call. The payment went through and I got charge fees on both ends. When I called the next agent at first admitted she could see I had been on line and what I did when I was there but as soon as i complained about the payment attempt despite cancellation she clammed up and told me it was my fault for not getting a cancellation email. I told her I got the message online and did not know it was to be accompanied by an email once i received online verification. She then told me that the only way I would get a refund was if I could produce the email which I never received. I told her the mistake was in their system and she had the audacity to stand by the error they made then ask me how getting upset was helping me. This happened last summer and they still refuse to cancel the charge. I have been late I have overdrawn and I pay those fees with no problem when I make the mistake but to make me pay for an error in their system is unconscionable. I want this fee refunded as they processed a payment they were not authorized to process
Since XXXX XXXX twice a month my wife and I send support money to her family in the XXXX via Western Union using her sister as the receiver. In XXXX XXXX my wife went home for an extended stay so I started using her as the receiver. Recently my wife moved to XXXX so I sent money to her and her sister. Without notice Western Union cancelled the transaction for her sister saying she is not allowed to receive money. When I called Western Union they refused to give me a reason. My wife 's family depends on this money, and my sister-in-law is the only XXXX with a valid I.D . If I send a money order it will take 3 weeks to arrive and might be lost or stolen. Needless to say everyone is very upset.
Ive sent numerous letters to XXXX, XXXX and transunion  in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.
Chase Business Card has marked me late for two years despite the payments being auto-debited from our bank account. It has ruined my credit, my life and they will not help me. There are definite notes on my account reflecting this issue and I am currently challenging the marks again via XXXX XXXX. 

In XXXX of XXXX my bookkeeper, who I had arrested this past year for embezzling, stopped paying my bills amongst many other nefarious activities. 
It took me almost 6 months to realize this and by that time was forced to close my account. 
I got set up on a payment plan and all was great for a year. 
I never received a statement of account or anything else other than a generic monthly " Your payment is due '' notice. What Chase failed to alert me to in any way was that the original payment plan expires at a year ... So in XXXX of XXXX I went late, and in XXXX called after not seeing my payment being extracted out. Surprised to hear I was no longer in a payment plan I eagerly set up another. This was in affect for XXXX. What Chase failed to do was let me know that I was two payments behind or that I owed X amount of dollars to get current. No, I was just placed back on an auto-debit that extracted monies monthly ... ... ..35 days past their actual due date. 
So for the following year and a half I was marked late every month and no, I wasnt contacted alerted, no late payment notice, just the same generic " Your payment is due '' notice. There wasn't even a way to mount my account online, it didn't exist ( At the time ) After seeing my FICO number continually decreasing I thought something must be up and I dug deeper. I actually was surprised that my personal credit could be affected by a business account to begin with. I thought that was horrible to tie a personal social security to a business and I never signed a Personal Guarantee. 
I started calling Chase because its the only thing that could be dragging me down, we finally spoke to XXXX XXXX who was able to see that for the past almost two years Chase, despite extracting the money through an ACH, had been taking it 35 days late and reporting me late. Every month. 
So I write this complaint to try and rectify the situation. XXXX said she could help but refused to. I have had my life ruined and there's no culpability from Chase, no help, no anything. I am damaged from them. 
Please help.
I filed a dispute with Experian on XX/XX/XXXX regarding student loan company XXXX/XXXX falsely reporting payments being made to them. The last payment made to XXXX/XXXX for was in XX/XX/XXXX as documented on their website ( See attached ) however every time they sell the loan to a new collection agency they are then reporting to Experian that I have made a payment. They have reported I made payments in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ( see attached ). I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was in XX/XX/XXXX that would make my date of first delinquency XX/XX/XXXX which means we are now at the 7 year statute of limitations in which this should be removed from my credit report. Experian completed their investigation on XX/XX/XXXX and indicated that they would not be removing this from my report until XX/XX/XXXX. Furthermore, Experian has allowed this loan to be reported a second time on my credit report under XXXX but the same account number see attached ).
On-Site corp., is a background reporting agency, contracted by XXXX XXXX. 
On-Site reporting agency. On-Site.com, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
This agency reporting inaccurate information. The agency alleged they are using Information they say is pulled from both three national reporting agencies, the XXXX data base, and the residing XXXX XXXX XXXX XXXX data base. 
Their charging customers monies then requesting the customer to present legal documentations to dispute and qualify for the right to lease. 
The agency request client to retrieve and forward information to an assigned link. Each time a report need to be generated. Each request is a new charge in monies and the system do not upload current updated information. This is the client responsibility. 
The both XXXX XXXX and On-Site XXXX, are taking a advantage of low income and disable individuals during their application process. The property are governed under, XXXX XXXX XXXX XXXX XXXX, XXXX program, XXXX and XXXX XXXX XXXX XXXX XXXX.
Subject : Request for Information : copy of my abortive VA Loan application paperworkBACKGROUND : I signed and returned a VA loan application to the Lender, but the financing fell through in UnderwritingPROBLEM : I asked by telephone AND emailed a request a copy of my VA loan application that I signed and returned and offered to pay any requiste fee ; but I was told " ... The application was not completed so the information contained on the application you filled out would be a working document for us. The application would have been finalized at closing and you would have signed in there.. '' EFFECT : Because my credit request was not approved, I would not be going to closing and there would be no other opportunity to get a copy of these important documentsSOLUTION : I would like Lender to send me a true copy of complete loan application that I signed. XXXX Cited : RESPA, the Privacy act and Dodd-Frank, as applicable. )
On XXXX XXXX, 2015 I reported to TD bank the theft of {$760.00} from my checking account ending in XXXX. Subsequent to my report to TD bank and police TD confirmed the theft by " skimming '' my debit card and credited my checking account {$750.00} on XXXX XXXX, 2015. 
Today XXXX XXXX, 2015 while checking my accounts at TD bank, to my great dismay, I noted that on that same date of XXXX XXXX, 2015, the thieves also debited {$740.00} from my savings account ( account ending in " XXXX '' ). I was unaware that this could have happened without a withdrawal slip but it did. I immediately called TD bank for help and XXXX filled out another dispute form. Despite the fact that all the illegal withdrawals were from the same area ( a place I have never been ) it went unnoticed by TD fraud unit as well as by myself. 
I still need to be credited in my savings account ( with lost interest ) for the {$740.00}. XXXX since XXXX XXXX, 2015. The facts surrounding the theft are the same, that is the same area and limits, so I should not have to wait as long for the credit I hope. I am asking CFPB to oversee this as I am afraid there will be a misunderstanding. I do n't want TD bank to think that they already credited me for the full amount. There are XXXX different accounts : the checking ( XXXX ) and a savings ( XXXX ) e.