WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax refuses to provide me proof of how they completed an investigation that I submitted with regards to fraud. I have sent Equifax a certified letter requesting the specifics of how they investigated an account showing on my credit report with XXXX XXXX XXXX XXXX. This investigation was improperly done and it was not properly investigated an a fraudulent account. Since this investigation was improperly done I demanded by certified mail with return receipt requested proof of how they completed this identity theft investigation. Equifax is required by the FCRA to do a reasonable investigation with regards to fraud reports. Equifax has violated the FCRA and not done a reasonable fraud investigation. This account was reported as fraud yet Equifax only verified the name and address on the account, and that is not a proper investigation. I was told by a representative at Equifax that they only submitted the information through XXXX. I gave them the name and number of someone at XXXX XXXX XXXX to contact with regards to this account and they refused to contact this person. Equifax has refused to comply with my certified demand requesting that they provide proof of their proper investigation.
XXXX2014 {$100.00} Currently disputing. 
Hello. As i was doing my research. It shows i have a debt that does not belong to me from CONVERGENT XXXX XXXX who is also not licensed in FL to collect any debts. May you please contact agency to remove debt as soon as possible. Thanks for your cooperation.
Disputed a chapter XXXX bankruptcy multiple times with equifax. My public record on my credit report show XXXX chapter XXXX cases. My chapter XXXX case was transferred and reassigned a new case number. Sent equifax the legal form from the federal court building stating it was transferred and the previous case number no longer valid. I call the federal courts and they agreed it is correct. I should only have XXXX chapter XXXX case.
The Equifax credit bureau continually reports old, outdated information on my credit file, particularly 1 account which was paid off over 1 year ago in XXXX 2014 is still being reported as an active collection account even though the collection agency indicated in writing that they have been reporting a paid in full status and XXXX balance. 
Also, I have tried disputing old, outdated information online, however, Equifax stops the online reporting process indicating they can not verify my identity and who I am. 
Which entity or agency XXXX credit bureaus which make their living by publishing old, outdated information, so credit grantors can make more money and profit because bad information is being reported on consumers?
Bank of America ( aka Merrill Lynch ) hereinafter referred to as " the Bank '' issued to me a credit card years ago. ( Credit card ending in XXXX - last XXXX digits ). At all times the consumer credit relationship was well managed with timely payments at all times. XX/XX/2015 I abruptly terminated a Wealth Management Investment Account with Merrill Lynch for frivolous, unauthorized trading by my Merrill Lynch Financial Advisor. Shortly thereafter, without notice or my prior authorization, Bank of America/Merrill Lynch closed my consumer credit card ending in XXXX. Then, and again without consumer authorization or prior consent Bank of America unilaterally opened and assigned an unwanted new consumer checking account ending in XXXX, Without my authorization Bank of America allowed previously authorized automated payments from the XXXX account to flow to the XXXX account for which I had no prior knowledge that the account existed. To this day Bank of America has not communicated the issuance of this new account. I became aware of this unauthorized Bank of America credit card when a accoun statement appeared in the mail, and ; when when XXXX+ FICO score was impacted by a tri-bureau inquiry performed by Bank of America for opening of the unauthorized account. 
This maneuver has the appearance of unethical business practices by Bank of America in direct retaliation to the terminated Merrill Lynch Investment Account for the unauthorized and frivolous trading conducted by the Merrill Lynch Financial Advisor which was ultimately investigated by XXXX and resulted in consumer restitution.
I have sent company 2 letters asking for validation of debt. I have never received any communication from this company before they appeared on my credit report. Which violates FDCPA 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). The first letter was received by company XX/XX/2016 by certified mail with 30 days to respond with validation of debt, I received nothing, which also violates FDCPA 809 ( b ). Second notice was received by the company on XX/XX/2016, again by certified mail. After they received my second letter they removed their company name from XXXX thus reporting inaccurate information and violating another FDCPA law. Failure to report these accounts as disputed to all XXXX credit bureaus is yet a fourth violation of my rights under these laws. Reporting on my XXXX report they have returned all accounts back to original creditor but not removing their contact info. As if to defraud and confuse me by making me think they no longer hold these accounts and also reporting with a past due amount of {$0.00} and no payment status. This is also inaccurate and untruthful reporting. I am requesting that these accounts associated with this company be removed from my credit reports due to inaccurate reporting, failing to validate all debts associated with this company, failure to respond with validation within 30 days of request, and failure to report as disputed to all credit bureaus. Each violation carries a {$1000.00} fine. Commercial Trade Bureau has repeatedly violated these laws. Commercial Trade Bureau XXXX , CA XXXX
On XX/XX/18 I sent Validation letters to the creditors listed below, followed the FTC instructions. 

After 30 days sent proof to XXXX XXXX  and Equifax, Only Equifax refuses to remove from credit file,,, " XXXX and XXXX Has Removed ''. 

I have followed the FTC guidelines, Equifax will not. 
. 
XXXX XXXX {$78.00} XXXX XXXX {$83.00} XXXX XXXX XXXX {$87.00} XXXX XXXX {$87.00} XXXX XXXX {$170.00}
I submited a fund transfer from my Discover online checking account to my XXXX bank. The confirmation stated that " Deliver By : XXXX/XXXX/2016 ''. However, the fund became available on XXXX/XXXX/2016. I have check which is returned due to insufficient fund on XXXX/XXXX/2016 in XXXX. If the fund was available on XXXX/XXXX/2016, the check will not be returned. The " Deliver By : XXXX/XXXX/2016 '' is misleading. Also, even if it means the sent date, I believe the fund will deliver to XXXX the next day according to XXXX. So XXXX can credit to my account on XXXX or XXXX.
I have been leasing  a 2016  Toyota  XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease . Currently Toyota is repo rting those month s as 30-59 days late. I have asked them to remove these credit markers and they have told me tha t they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.
My name is   XXXX   XXXX   XXXX   a Private Banker and I have a mortgage with  Wells Fargo Home mortgage . I sent a certified Bank Note for Payoff which is a security instrument to pay off my loan the bank has accepted my security instrument because it was never sent back to me. but i get a form letter back with a bunch of paid statements and a copy of a deed of trust to validate the debt. I was very specific on what i needed the Bank to do.   also the security instrument was set up correctly according to  (   UNCITRAL convention )  and  U.S. B anking laws I do have deep concerns, what can be done about this.
I would like to report some massive fraud and illegal activity by discover student loans. I uncovered it this month after they made changed to their website. 

I am in their autopay program, and for the past several years I 've made additional payments and the minimum monthly payment ahead of the due date through their website. Once the payment was made, my autopay on that particular due date would be cancelled, since I paid my loan early. 

Since the recent update, I 'm told if I pay the minimum payment early, they 'll still withdraw the minimum payment for the month. I asked them what happens paying the monthly payment twice in a given month, and they said it 'll advance the payment due date. They said it 'll still take the money out on the 2nd of every month but will advance the due date. I told them if I pay the minimum payment early, they shouldnt be taking the money out again. I told them I dont want to advance the due date, and they said there 's nothing I can do. 

Another concern I brought up to them, is when I try to make an additional payment to pay towards principal and not the minimum payment, it wont allow me now. When I try paying money towards principal, it 'll go first to the minimum payment of the month and the rest towards principal. But, they 'll still withdraw that same amount with autopay during the month. The representative told me, that I wont be able to pay money towards principal of my loan from the 15th of the month until the 2nd. I feel that is unfair, and if I want to pay extra money towards my loan, I should already be allowed too. I feel misapplying payments, and incorrectly applying them, is being done purposely by discover to prevent people from putting extra money towards their loans.
I applied for a XXXX  position with XXXX XXXX in XX/XX/2018. I was deemed ineligible for employment due to a criminal charge that does not belong to me. The criminal charge is that of my twin brother. I am in XXXX XXXX and have been for the last 13 years. There are also some addresses in which have never been a place of residence for me. As of right now there is false and inaccurate information with their findings and it needs to be corrected ASAP. I also states on the report that my former name is that of my twin brother. I have never had a name change and again this information is completely false.
I contacted Select Portfolio LLC ( who have held my original mortgage for 9 years ) to try and refinance through the HARP LOAN process. This request was to be completed within 3 months. I am a XXXX and had some trouble keeping a " stable '' job for a little over 2 years. During this time, Select Portfolio lowered my payments ( to {$820.00} ) while I was pursuing a career in XXXX and XXXX at XXXX College and XXXX College ( XXXX ). After completing the schools, Select Portfolio resumed my original note payment of {$1500.00} per month. I also have a {$190.00} per month HOA payment. I can not make these payments ( even though I rent to XXXX person for {$400.00} per month ). I now have a ''stable '' job ( also Oil Royalties averaging {$600.00} per month ) and know I could make loan payments of {$1000.00} per month plus my HOA payment. I have been making {$1500.00} payments for the last 9 months at the original rate of 8.3 %. Select Portfolio has stated over the telephone to me and my accountant that the information requested would complete the loan application and that they could let us know within 5 business days of theoutcome of the HARP loan applied for. They requested more information after making these statements XXXX different times. The continual lack of honest communication concerning my loan has affected my mental health. Select Portfolio also calls and uses abusive techniques concerning my monthly payments. I have withheld my XX/XX/XXXX payment because of the handling of my HARP loan. My credit score is poor and I do not know why they continue asking for more current information and processing this loan if, in fact, I do n't qualify. This continued pursuit of this loan is showing a complete lack of good faith.
USCB IS AGRESSIVELY ATTEMPING TO COLLECT ON THE DEBT THEY POTENTIALLY OWN. THEY STATED THIS DEBTS ARE FROM XXXX BUT WHEN I REQUESTED XXXX TO VALIDATE THESE ACCOUNTS THEY WERE NOT ABLE TO FINE ANYTHING CLOSE TO THESE NUMBERS AND/OR UNDER MY NAME. I HAVE SERVED USCB WITH THE RESULTS OF MY FINDINGS BUT THEY FAILED TO RESPOND AND THEY ARE STILL ILLEGALLY ATTEMPTING TO COLLECT ON THE DEBT THEY COULD NOT VALIDATE OR VERIFY TO ME. THIS IS HURTING MY CREDIT AND FINANCIAL BEING
I have a private student loan account with Navient. I have attempted to call on several occasions regarding my repayment. I had an issue a few years ago discharging my co signer, as we were getting a divorce, so I used my settlement to pay off one of the loans, since I was misinformed that I couldnt take him off as a cosigner. However I had another loan with them. I tried naking attempts to refinance since the onterest was so high and I went back to school and they kept encouraging forbearance and defferments. I have owed the same balance it feels like for years. XXXX. I used to make XXXX payements biweekly to every week depending on my funds. Instead of applying this to principle ... it went towards the next months bill and so on. I will be paying this loan for the rest of my life at this rate. I asked for help, they recommend forbearance. Ive tried to consolidate with my other loans but since it is a private loan I can not. I made an ontime pay.ent last month for XXXX as that was my monthly payment however this month XXXX is due. It seems that every month a different balance is due. I dont know what to do and I need help. I am drowning in student loan debt. And this debt is going no where. No matter what I do. The interest rate is horrible, 11.5 % which is why i tried making payments more frequently. I geel taken advantage of. Please help.
Between Navient and XXXX XXXX i have XXXX school loan from XXXX ... when navient took over XXXX it doubled my student loan on my credit report with late payments/ defaults showing which are not true.in my credit report it shows double loans both over XXXX. I have tried to disputed with both companies to remove XXXX of the loans but each company blames the other for the error and makes the other responsible to remove.this double student loan with negatives has hindered and prevents me from increasing my credit score to ever be able to purchase a home.. i have tried with several lenders and they all have pointed out the same dent in my credit report its due to this student loan from XXXX ... XXXX years later! I have had to work hard to show proof in ogher ways that im am capable of managing my money and credit by havingbto open credit card accounts and showing that i am " on time '' with no late payments on them.the struggle and the numerous phone calls to these companies is a headache and at the end i have gotten endless run around with them. Meanwhile i cant purchase nor get ahead in this world because of this error. I suffer, my kids suffer and Navient just does n't care to respond nor take any action. I wish I would have never taken out a school loan biggest mistake of my life that is still haunting me XXXX years later. 
Please hepl me remove these errors from my credit report.
The company placed a forced insurance policy on our account which is incorrect, we have a in place insurance policy. The company is attempted to cover this by saying we have a shortage in our escrow account. Our 2017 mortgage statement reflects a deduction for hazard insurance, which we pay by electronic debit.
my loans was sold to XXXX XXXX from BANK OF AMERIA ( BOA ) in XX/XX/2018, I was making my monthly payments on time and there is where the problem began. I noticed that on my credit report BOA did not report my payments at all the any credit bureau. I called several time to resolve this issue and was informed that they don't do that at all. then I called XXXX XXXX and informed them of the situation and they were unable to assist me either, I asked if they would report it to XXXX and they informed me they did but could not answer why BOA did not. Also XXXX raised my mortgage payment {$500.00} from one month to the next for a period of 12 months, because they stated that when they bought the loan from BOA they did not inform them that I was {$6000.00} unbeknown to me and that there was nothing they could do. This put me in a financial situation, that I'm just treading above water.
I recently made contact with XXXX XXXX and advised them that was not me. And the supervisor over there was completed rude as well as the customer service department. They want me to send them information about me which they should have if they are stating I was seen at XXXX XXXX for treatment. I have advised them I have Medicaid for years so if I was there or at any facility my bills would've been paid by Medicaid. They can not show many any valid proof that I was seen at those facility. The last representative couldn't even find me in their system by name. I have to provide my social ( which felt very uncomfortable doing that ). The accounts # XXXX & XXXX. This is a collection agency that buys bad debt and try to collect on things that are not valid. This company has some fraudulent activity going on.
I attempted to apply for the Wells Fargo XXXX XXXX XXXX XXXX card on XX/XX/XXXX over the phone with a Wells Fargo employee. I was subsequently denied this card owing to various standard credit issues. 

On XX/XX/XXXX, I again attempted to apply for the same card over the phone with a Wells Fargo agent. The application was submitted and I was subsequently asked to provide a copy of my social security number to Wells Fargo. The letter I received from Wells Fargo stated, " In order to approve your application '' a copy of my social would need to be provided. I then proceeded to comply with this request.

On XX/XX/XXXX, I learned that Wells Fargo had denied my application because I was not a US permanent resident. When I asked the Reconsideration Line agent if any thing could be done to progress the application, I was told it was Wells Fargo policy to not approve unsecured loan applications from non US permanent residents. 

At no time did Wells Fargo make me aware of this restriction prior to either of my applications. After the first application was rejected, I took the steps to improve my credit position as suggested by Wells Fargo, and in good faith, applied to the bank again. 

In my opinion, I should never have been allowed to submit either application as I was ineligible for the product based on the information subsequently provided to me by the Wells Fargo agent. I have been an checking account holder with Wells Fargo for over four years now while I complete my XXXX on XXXX XXXX XXXX status. During that time, I have received unsolicited invitations to apply for Wells Fargo unsecured loan products, including credit cards, and I have had Wells Fargo credit cards advertised to me directly in the online banking interface. I took these as a good faith signal that I could apply to Wells Fargo for credit card products. 

Now, I'm left with two Hard Inquiries on my credit report, resulting in an unfair deterioration of my credit score, for a product that I had no chance of being approved for and that I would have not pursued had I have known at the time of applying that I was not eligible for the product.
On XX/XX/XXXXI sent two certificates letters XXXX and XXXX To Equifax to validate the accuracy of two accounts informed with negative information reported by XXXX XXXX  # XXXX and XXXX XXXX # XXXX .I gave 30 days since received the letters to complete the investigation Never received a reply to those letters sent in the 30 days terms. OnXX/XX/XXXX I sent another two certificates letters XXXX and XXXX indicating that they had violated federal law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law by not replying in a timely manner to my initial letters. They replies those letters with the argument that they verified the accuracy but with no signed document that proves that those accounts belong to me I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.in two occasions They have not verified these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible Thank you. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS.
In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old loan a s " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the s ame 10 year old studen t loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped my credit score  XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.
Recently, I checked my credit files and these unauthorized inquiries showed up on my XXXX. I did not apply for employment with your organization nor did I request credit from any of these organizations. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
I received a loan from Drive Financial in the amount of {$15000.00} in 2008. The loan was secured through a XXXX dealership. Santander purchased the loan. As of today, I have paid over {$33000.00} on the loan and still owe {$9100.00}. How is this legal?
I applied XXXX AMEX credit card beginning of XX/XX/2018, but the application was rejected because I had two new AMEX credit card within 90 days. After passing 90 days, I applied XXXX AMEX credit card on XXXX, XX/XX/2018 and the application was approved. Before applying the credit card, I checked multiple times whether I am eligible for welcome bonus of the XXXX AMEX card. I checked it over the phone and chat service. The AMEX told me that " yes, you are eligible for the welcome off ''. After the card was delivered, in order to make it clear before completing required spending for the welcome bonus, I wanted to check whether I am eligible for the welcome bonus of the XXXX AMEX, so I called to AMEX. They told me that " No, you are not eligible for the welcome bonus and it might be due to system error. We will fix it within 3~4 weeks ''. I chatted withe them after the 3~4 weeks, they told me that " You are not eligible for the welcome bonus because you mis-used welcome bonus ''. They are changing their words. Please fix it.