WillisBack/dataset-financial-user-claim huggingface dataset:
I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, XXXX and Innovis.
I sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through this!
I had a mortgage from Bank of America. But they lost it for three years oresoso. They wanted {$100000.00}, I could not do so, and they foreclosed. 
I tried many other Banks and help. No good. 
They bought XXXX XXXX mortgage in a heart beat. I was out! 
This is a terrible Bank
I applied for a modification with Ocwen loan servicing on XXXX/XXXX/2015. I sent them a letter from my new employer stating what my new income would be and that I started my new job on XXXX/XXXX/2015. I did not receive my first paystub until XXXX/XXXX/2015. They sent my authorized 3rd party a letter stating that they were going to go through with the foreclosure sale on XXXX/5/2015 because I was not going to be able to provide them another paystub till after the foreclosure sale. I submitted this review almost a month prior to this sale and I have new income that they are not willing to review. Please help to allow for my review to retain my home!
In XXXX I made a voluntary delivery of a car due to illness and I moved to XXXX to the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX. The bank after the property was delivered sold the car in a month. There was a difference of {$8500.00} and agree to pay in payment plans to a company hired by the Bank. I paid for 2 years and fulfilled as agreed. In XX/XX/XXXX, I received the balance due because the wrong balance was affecting me, since XXXX XXXX XXXX did not report the payments. I asked the Bank to indicate when I had to pay to get the account at XXXX. They told me that I had to pay {$2600.00} and thus achieve the account at XXXX and it would be removed from the Experian Report Agency, since for XXXX and XXXX the Bank determined for XXXX, determined delete. I have made several arrangements with XXXX XXXX XXXX and with Experian and I have not been able to delete the account from my credit report. The Law that protects the consumer in relation to credit information is clear and states that failure to report information correctly in 45 days will be delete. The XXXX XXXX XXXX indicated that due to internal processes they did not sell the account, but that the client made his payments to a collector company, XXXXXXXX XXXX. He requested that the process that has harmed my credit history and the violations of the Law that protects the consumer be investigated. He was asked to remove the account from my Experian credit report, for violations of the Law and that currently damages me in the Experian agency.
Cavalry debt collectors filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is XXXX.
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XXXX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
I RECENTLY FILED A CLAIM WITH THE CFPB IN REFRENCE TO FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I AM ASKING FOR A  RE INV ESTIGATION. I HAVE LIVED IN ALABAMA 53 YEARS. I HAVE SENT PROPER DOCUMENTATION TO SHOW I AM A LABAMA RESIDENT. NEVER LIVED IN  XXXX   XXXX  NEVADA. SOMEONE APPARENTLY WAS LIVING UNDER MY IDENITY IN  XXXX   XXXX  NEVADA DURING THE TIME I RESIDED IN ALABAMA. I HAVE STATE OF ALABAMA NOTICES FROM THE DEPARTMENT OF REVENUE SHOWING I OWE TAXES FOR  XXXX ,  XXXX .  XXXX ,  XXXX  I HAVE MY ALABAMA TAX RETURNS AND ALSO BILLS. HOW IS THIS POSSIBLE TO LIVE A DOUBLE LIFE. I SUBMITTED 19 YEARS WORTH OF ALABAMA ISSUED DRIVERS LICENSE. POWER BILLS, LEASE. TO SHOW AT THE SAID TIME I RESIDED IN ALABAMA NEVER LIVED OUTSIDE ALABAMA.   XXXX   HAS REMOVED THESE ACCOUNTS FROM MY CREDIT REPOR T NUT  NOT TRANSUNION AND  XXXX . PLEASE SEE THE FOLLOWING ACCOUNTS THAT DO NOT BELONG TO ME  XXXX  -BANKPRUTCY  XXXX   XXXX  NEVADA   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX
I was a victim of identity theft and noticed a collection from MERCANTILE ADJUSTMENT BUREAU I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MERCANTILE ADJUSTMENT BUREAU in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
My personal information was compromised because of Equifax and their incompetence. Upon learning that my information might be compromised, Equifax made no attempts to contact me. I had to find out from an online non related source that my information was possibly compromised. So the date that I found out is XXXX/XXXX/XXXX, but the date of the breach is unknown to me. Now I have to monitor and possibly freeze my credit. I can anticipate having my identity stolen and the pain that comes with they. All thanks to Equifax being incompetent, lazy, and criminally negligent.
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. Account XXXX XXXXAccount XXXX XXXX XXXXFraudulent inquireXXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX XXXX Date Filed XX/XX/XXXXXXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
I have spoken with the U.S.Secret Service regarding a wire sent abroad to XXXX XXXX. 
I signed a contract that has " XXXX XXXX '' language protecting my rights of 30 minutes before the recipient can receive proceeds from the International wire. I sent the funds on XX/XX/2018. How would I have a full thirty minutes to stop the transaction if funds were picked up or deposited? 
I am of the understanding that I have 60 days to dispute a transaction. I disputed the transaction before the 60 days were up on XX/XX/XXXX. 
I believe that I have been denied my XXXX XXXX rights of thirty minutes wait time. 

I have another separate complaint, It was found on a separate date XX/XX/2018 after I wired funds with in the United States that someone forged my name and sent the funds on to XXXX. Forgery is a crime, this was found out by a detective.
I submitted a dispute online via Equifax website. I asked for validation of an item on my credit report. On XXXX/XXXX/XXXX, Equifax informed me that they had concluded my investigation by determining that the item was correct. I did n't receive documents showing me what was used to VALIDATE the debt.
I have been harassed for at least six months, if not longer, by a debt collector by the name of Cavalry, Calvary Portfolio. I have advised each and every representative that I am XXXX XXXX and to please stop calling me. Calls come in, and the second I answer, no one is on the other line. I hang up, the same thing happens minutes later, about 10 times a day. Ive asked them to stop calling my business line, Ive informed them Im XXXX XXXX and dont communicate well on the phone and to please text or email. They refuse, get agitated, and hang up on me. They refuse to tell me anything other than a made up first name, which I cant understand, no business name, demanding information from me. Its gotten so bad that Ive had to block the numbers. Ive done reverse searchs on all the numbers and they are all related to Calvary. On XX/XX/XXXX at XXXX I spoke to someone yet again advising them to stop calling, Im XXXX XXXX. OnXX/XX/XXXX at XXXX I received a call from XXXX once again advising Im XXXX XXXX and not to call my number again. Person kept asking for my name, but refused to identify what the call was or what company he was with. A message was left on my business voicemail on XX/XX/XXXX at XXXX XXXX, referencing a debt, the amount of the debt, my name, all personal information. It was difficult to understand as Im XXXX XXXX, from phone number XXXX. But I couldnt understand the complete message and phone number. These have all come after I repeatedly advised not to call me. Ive blocked most of the numbers six months ago due to robocalling and failure to cease and desist, but they just continue to call from new numbers. I have repeatedly texted asking for them not to call and blocked numbers dating back to the beginning of 2018, yet they are still calling. Its harassing as they call on a phone they know I dont always hear ring, I dont always understand messages or what the caller is saying, and they continue to call. Its harassment and must surly be against some ADA anti harassment law. They just wont stop. Ive been asking them to stop calling for about a year now.
Hello, My father and I have the same first name and last name the difference is that i have a middle name. When i am trying to do anything with a credit check using my SS # his credit information comes up. Trying to gather my information from the credit bureau i am unable because of information that i can not provide.
XXXX XXXX, 2017 I have tried both online and over the phone to freeze my credit records ( for days ). In both cases with Equifax and XXXX the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX over the phone, however, their was a {$10.00} charge.
On XXXX of 2016 i send the payment but something went wrong with the payment and they send me the money back and report a lated payment.
Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named XXXX. XXXX. I disputed this debt and recieved the following from XXXX. 

XX/XX/XXXX Completed XXXX XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. 
Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to AFNI, Inc. phone number XXXX two days after the completion of this report on XX/XX/XXXX. AFNI , Inc. has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.
I learned via XXXX XXXX that Transunion is reporting and open collections on my credit statement from the XXXX XXXX XXXX XXXX XXXX in the amount of {$2600.00}. Supposedly, it was reported on XXXX XXXX, 2017, and referenced with ID # XXXX. I learned about it, and filed a dispute via XXXX XXXX on XXXX XXXX, 2017, stating that I have no knowledge of this account. I heard nothing.on my dispute, so I called Transunion. The person I spoke with recognized I had filed the dispute but stated there was no change to the report. They said Transunion sent my dispute to the business who posted the collection, but they received no feedback. I filed another dispute, this time directly with Transunion, on XXXX XXXX, 2017. This is a bogus collection. I have never been contacted by anyone regarding this collection. Transunion does not appear to do anything other than forwarding my dispute.
Equifax is charging me monthly for two accounts that I have repeatably requested to cancel. When I call into Equifax they say that they have cancelled the accounts, however I continue to be billed for these accounts. When I request a refund they tell me that they do not have a refund policy and that I have to wait an indefinite amount of time for an investigation. I am fed up with this and this is robbery.
an account was opened by my estranged father XXXX XXXX XXXX dob XXXX ss XXXX i never opened or authorized this account. I dont own a business and a simple search before opening this account they would see that im not an owner or officer, i am a XXXX XXXX who makes XXXX per year, this account was opened wo my authorization knowledge and permission, they know this capitalone, they know that an account that was issued in my name was NEVER used and only the XXXX since that they should know this is fraud, i contacted them several time complained about this fraud and XXXX XXXX XXXX ext XXXX from cap one since he found me responsible which is false, I NEVER OPENED OR USED THIS ACCOUNT i NEVER authorized this business account since i dont even own a business, i filed a fraud report with ic3.gov as instructed by my local police department
The data breach from Equifax is unequivocally the worst violation of my personal information that 's ever occurred - and it 's all a result because a company has highly personally identifiable information stored without my express consent to do so, all in the name of profit. This is exemplified by the fact that I 've had to pay Equifax to freeze my credit account - those at fault for this incredible fumble of cybersecurity - in order to protect myself from their total ineptitude. Add to this their flawed website to determine if you 've been compromised ( created for some reason under a different domain, as if to somehow demonstrate that they are in fact scam artists ) and their half-hearted attempt at avoiding lawsuits through their surely worthless " protection plan '', and you 've got a boatload of " too-little done '' and " too-late now '' arguments and evidence to render these companies essentially ticking cybersecurity time-bombs. To add insult to injury, Equifax 's automated freeze phone tree ironically froze and asked me to call back later, only to inform me that my account had already been frozen without ever providing me the PIN ( This happened to both me and my fianc, and I ca n't imagine how  many others ). It will surely be a blast dealing with this company personally when the time comes to thaw my account. Furthermore, in a stand of solidarity, XXXX enacted their own exploitative protection plan ( apparently a prerequisite for credit companies ) in order to make a quick buck off of people who are both frustrated and confused in their time of need. 

The fact that a government agency is not available to protect us from these bumbling XXXX is frankly ridiculous, and having to pay them for their own mistakes is downright absurd. It 's insane as somebody who works regularly with protected health information and personally identifiable information that entire companies lacking such basic protections and bizarre practices ( such as Equifax using a timestamp as a randomly generated PIN and providing random results on their flawed compromised website ) can be trusted with such sensitive information with little oversight. This is compounded by the fact that they have regular access to this information, which we as consumers do not ... The vast majority of whom would never consent to such invasions of privacy if it was possible to navigate the modern world without. Save living totally off the grid and storing money under the mattress, where else is one supposed to go? It 's unfortunate so many were forced to put blind faith in a company of scammers, but we were never provided a choice we needed, nor the protection we deserved.
I have four Fed Tax Liens listed on my XXXX  credit report. I have copies of all four tax lines and none of them have my birthday listed or my full social security number. They were filed in the wrong county also. I reported a dispute with XXXX and was reported the information was accurate. I do not know how they see this as accurate without the required information.
Company allowed me to go over limit ( which I didn't request or desire ) resulting in late charges and reporting to credit bureau. Only discovered the credit report issue today.
on XX/XX/XXXX citizens bank made a payment from my checking account for {$100.00} when my account had {$1.00} in it and then added overdraft charges so that now they say I owe {$230.00}. I went into my local branch on or about XX/XX/XXXX to resolve the issue but they refused to reverse any of the overdraft charges. the problem is that they are making at least 3 automated calls per day to my house.
Equifax mishandled my personal information by failing to properly secure data on their systems which has led to a cyber-security breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with or include arbitration clauses in ToS. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
Equifax corporate insiders should also be investigated for potentially cashing out stock prior to announcing the breach.
I hope that you can help me. 
I took out a 2nd mortgage in XXXX. Payments of {$250.00} per month. It has hardly budged from the original balance in 10 1/2 years!!! Loan was {$25000.00}. Today, it is {$25000.00}!!!! A friend of mine did the math and said that I have already paid over {$30000.00} on this!!! Several people have pointed out that this is predatory lending. The interest rate is 5.75 %. My friend said in several more years I will have paid them {$90000.00}!!!! Please help me. I have always had a good credit rating, and dont know what is going on here. I called them on it about XX/XX/XXXX and all the customer service rep, wanted to do was sell me another loan!! I asked to speak to a manager regarding predatory lending, and she kept saying refinance, refinance. I then spoke with someone else there, told him my problem as I did with her, and all they tried to do is get me to refi/buy another loan!!! I just lost my job, and happened to see that this 2nd mortgage never gets lower when I received this years tax statement!!! Please investigate this, I hope that you can help me. I gave already paid over {$30000.00} on it!!! XXXX XXXX
my brother mortgage and bank accounts was transfered to citibank from XXXX XXXX and they came from XXXX XXXX. Now the mortgage that was less than XXXX dollars is now XXXX and we do not know how that change so much you should have the answers, because you have all the true informations we need about his accounts.. we want that information as soon as possible.his name is XXXX XXXX XXXX XXXX XXXX XXXX
http : //credencerm.com/ company has continuously been calling my job regarding a debt that has already been paid. 
in addition to telling them it has been paid and asking if the account reflects that, i have been told in order to tell me if it has ; that I have to verify my address, and my telephone number ( which I have ) they also are insisting I give them my social security number. even though I have given the account number on the paid bill. 

numerous calls were made to my job harassing me and telling me that I need to pay. 
again a confirmation number was given to them and they insist they need my social in order to continue looking at the account.
After the major Equifax breach was finally recently reported to the public, I accessed their website, to see if my CC info was stolen. 
The site advertised " We have provided a tool on this site for you to determine if your information was potentially impacted by this incident. '' However, there was no such tool, only other advertisements to sign up for protection services, to get a credit report, etc. Undoubtedly fees would be involved. 
There is apparently no way to directly check to see if my CC # s were stolen. 
This is pure BS, of course. There is nothing an individual can do about this. Meanwhile company management dumped their Equifax stock immediately after they realized what they had let happen, having failed to install safeguards after previous incidents. 
Only the CFPB can do anything about this. 
Thanks for letting me rant. 
Please help us!