WillisBack/dataset-financial-user-claim huggingface dataset:
According to Equifax 's website, my personal data including ssn, dob, etc was part of the data impacted by their security breach. This puts me at great risk for identity theft, to the point that it 's likely to happen. 

I ca n't understand why they are storing all my personal data unencrypted, it makes no sense and seems like pure neglect at best. I 'm quite worried not only for my credit score, but someone could commit crimes with my stolen identity, considering they have access to all my data including SSN.
I pulled my credit report on XX/XX/XXXX after being denied a home loan. Denial was for a {$9600.00} debt from XX/XX/XXXX. 
I called the company listed on my credit report on XX/XX/XXXX. They referred me to a law firm, Tate & Kirlin. 
I called Tate & Kirlin Associates on XX/XX/XXXX. I was told the debt was a credit card that was opened on XX/XX/XXXX and last closed XX/XX/XXXX. I was not aware of the debt. 

I have a credit report that I pulled on XX/XX/XXXX which did not reflect any issue of this type.
I FINALIZED A MORTAGE MODIFICATION BY MAKING THE THREE TRIAL PAYMENTS ON XX/XX/XXXX, MY NEW PAYMENT STARTED XX/XX/XXXX, I HAVE BE MAKING THE PAYMENTS TIMELY FOR THE NEW REDUCED AMOUNT, THE COMPANY REFUSES TO SEND ME THE FINAL MODIFICATION PAPERS AND IS NOW SENDING ME LETTER OF PARTIAL PAYMENT AND LATE FEE FOR THE PRIOR AMOUNT BEFORE MODIFICATION. THE COMPANY IS FAY SERVICING XXXX NMLS ID # XXXX XXXX TX XXXX. THE ACCOUNT IS UNDER XXXX AND XXXX ACCT # XXXX XXXX NY XXXX MY CONTACT NUMBER AT WORK M-F XXXX OR CELL XXXX
XXXX XXXX XXXX debt was liquidated in chapter XXXX that I filed in XXXX. I call this company and spoke with a gentleman name XXXX. I asked him why was he continuing to try and collect on a debt that first of all over 10 years old and secondly it has been discharged in my  chapter XXXX in XXXX. he said it was a mistake and he would rectify it. he did just the opposite, He went in an updated the opening of the account for XXXX XXXX. Noted this is illegal and he is practicing fraudulent reporting. I call him again on XXXX XXXX, XXXX. He claimed that he had the updated bill. I asked him to sent me a copy of the account that he said was opened in XXXX XXXX. He then asked me for an account number. Well, the credit Bureau has no account number for this bill because it was discharged in XXXX. I have the records from the bankruptcy courts where XXXX XXXX XXXX was listed numerous of times in my chapter XXXX. This company and XXXX are known for practicing illegal reporting and misconstrued information on peoples. They have been doing these type of tactic for years. XXXX is the person that does all the illegal reporting. I am faxing you a copy of the bankruptcy filing as evidence that this accounts along with other have been liquidated in my chapter XXXX filling in XXXX. 
this company Phone number is XXXX
EQUIFAX IS SHOWING A BALANCE OF {$15.00}, XXXX ON A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX. THE ACCOUNT IS PAID IN FULL AND SHOULD BE REPORTING AS SUCH. EQUIFAX HAS INVESTIGATED THIS SEVERAL TIMES AND COME UP WITH THE SAME RESULTS AND AGREED TO SHOW THIS AS PAID IN FULL. AFTER A FEW MONTHS OF POSTING IT THIS WAY AS AGREED, THEY REVERT BACK TO EITHER SHOWING THIS ACCOUNT OPEN WITH A BALANCE OR STILL SHOW A BALANCE. THE PREVIOUS EQUIFAX CONFIRMATION DISPUTE # XXXX WAS RESOLVED AS PAID IN FULL BACK IN XXXX OF 2015 AND YET AGAIN THIS POSTS WITH A BALANCE. I AM PROVIDING THE LETTER FROM THE CREDIT UNION EXPRESSING THAT IT IS PAID IN FULL AND SETTLED AND I AM ALSO PROVIDING THE EQUIFAX LETTER I RECEIVED IN XXXX OF 2015 EXPRESSING " THE RESULTS ARE : THIS ITEM HAS BEEN UPDATED TO REPORT AS PAID IN FULL. "
My account with XXXX XXXX XXXX XXXX, XXXX. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, TransUnion and XXXX. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You
My identity has been compromised inwhich resulted in fraudulent accounts being opened in my name. Im requesting that the following account, XXXX {$10000.00} be removed from my report. I have challenged this before but never thru these channels, hoping this time it be removed, or supported by physical documentation to valid the claim. If not then this account shall be removed immediately.
Applied for a loan of $ XXXX with U.S. Bank XXXX USB ) on a condo purchase of $ XXXX. Closing date set for XXXX/XXXX/2015. USB failed to meet closing on that date, failed to meet adjusted closing of XXXX/XXXX/2015, failed to meet readjusted closing of XXXX/XXXX/2015 and as of this evening, failed to meet latest closing date of XXXX/XXXX/2015. At all times, communication with USB has been XXXX with constant reassurances that everything is OK, but then communication ceases and goals are not met. In addition to having to explain " Domestic Partnership '' to a bank doing business in California, the most recent hurdle was telling me to change the purpose of the purchase from " XXXX Home '' to " Income/Rental '', which changes the interest rate that was originally agreed to.
My account was set up on autopay for AAFES. The balance to be taken out my bank account each month was XXXX. My account was 30 days past due for XXXX and was still set up on autopay. AAFES never drafted the funds from my account to pay my bill. According to their terms and conditions, we agree for them to call us regarding our account. I never once received a phone call, an email, or paper statement that my account was past due. This has negatively impacted my credit score for {$28.00}
I had contacted Discover in regards to opening a second discover card and was told my first account would need to be open for 12 months to be eligible. I met these requirements so I applied, I then received an immediate denial stating my first card had been opened too recently. When I called them they informed me I was declined because my first account has to have ha d 12 bil ling cycles completed.     When I informed them that I met these requirements as m y 12th  Billing cycle had ended the week before, they started backpedaling and changed their mind on why I was denied. I have called back twice now and both of the representatives and their managers all gave me different information in regards to my denial despite the fact that my only reason for being denied ( on the denial notice ) states that I have n't had my first account long enough. Eventually they settled hard on changing their mind and telling me that it is actuall y 13 billing  cycles, a nd the 13th cyc le will have to already be reported to the credit bureau and available to be viewed by them.     Despite them  ( several different employees ) misleading an d lying to me, they refuse to have anybody manually review the application to tell me why I was actually declined. They instead are encouraging me to apply again in the future but ca n't tell me when I will actually be eligible. I 'm not sure I would trust this information anyways as I had already asked and been told the wrong thing.
Wfds XXXX, NC XXXX ( XXXX ) XXXX The Wells Fargo Dealer Services is reflecting on my credit report as a hard inquiry. I have not spoke to, inquired nor discussed any attempt to obtain any services through the Wells Fargo Dealer Services. 

WFDS has no cause, right or permission to gain access or obtain any financial reporting information from my credit report and this inquiry is unsubstantiated.
I receive a garnishment from Kramer and Frank for {$7400.00}. The judgement from XXXX/XXXX/09 with original judgement amount {$4300.00}. It stated that XXXX XXXX is the creditor and I havent ever had account with XXXX XXXX, I dont even know what type of creditor XXXX is. I dont think that this is my account. I contacted Kramer and Frank and they refuse to give me any information on this. And another thing why did it take them 8 years to contact me I have been in the same position for the last 10 years at XXXX XXXX and they tacked on 8 years of interest. This judgement is in my maiden name XXXX and I havent use that name in over 15 years. I am not sure what type of account this is but the statue of limitations should be up on this. I would like a refund for the money taken out of my pay check. I really need your help on this, because something is not right here.
On XX/XX/XXXX I received an email from Equifax stating that their investigation into an account I reported as a result of identity theft had been completed. In the letter sent to me which I am including says that they are leaving the item on my credit report because they verified it as belonging to me. I have never had an account with them or XXXX. I want it removed or blocked from my file immediately. According to the FCRA in section 605 ( a ) ( b ) it is the responsibility of the credit reporting agency to block any information/account a consumer states is a result of identity theft upon written notice of the claim. Under the law, they have 4 days from the written notice to comply. I have sent them a FTC affidavit, an identity theft report and a written notice of my claim. Of course the company has my name, my social security and my date of birth right along with my address correct because they stole my identity. They used my personal information. The accounts that need to be removed from my credit report are the two collection accounts. 1 ) XXXX XXXX in the amount of {$150.00} opened on XX/XX/XXXX 2 ) XXXX XXXX XXXX in the amount of {$720.00} opened on XX/XX/XXXX Also, on XX/XX/XXXX I received notice that the XXXX XXXX account had been removed from my report but upon viewing my credit file it is still appearing there. I would like it removed as it was also a result as identity theft. Please remove these accounts immediately as they are a result of identity theft.
I have a 90 day fraud alert because my ex lives with me. I was told to put this on all three so that if he tried to get credit I would get a call at the number provided when I initiated the 90 day fraud alert. It seems like XXXX XXXX XXXX XXXX in XXXX mass and capital one in XXXX Virginia did a hard inquiry via what I see through XXXX XXXX and when I asked XXXX why they didnt call XXXX said they technically should call because they see the fraud alert but they dont have to? Are you serious! Then why is there a fraud alert on there if companies ignore it. If something is not done to reverse this because I know I didnt get calls from either company yet they do know about they alert theyll be going to court. I got letters saying I was denied which hurts my credit when if they called seeing the fraud alert they couldve avoided this.
1. Credit Burea has taken more than seven ( 7 ) months to investigate reported information on my credit report. Items such as accounts not mine, inquiries not associated with an active account. 

2. Even after mailing notices and demand to delete/remove inaccurate and incorrect account informationn and inquiries, the bureau simple refuses to provide proof/evidence of it's investigation. 

3. I personally contacted the Bankruptcy Court Clerk in XXXX Texas who confirmed that it does not verify any bankruptcy filing with any third parties or credit bureaus. However, in their report regarding each my demands to delete the information, they state that the bankruptcy has been verified as accurate. This is a lie! It has been more than 15 days. It has been more than 30 days. It has been more than seven ( 7 ) months in the year of 2018.

4. I have personally given all three ( 3 ) bureaus my consent to delete/remove negative information by phone and in written form. 

5. As of today, I pay XXXX  and Transunion for credit monitoring. However, they will not provide me with any credit scores for their company or the two others. The reports have said " NO SCORE AVAILABLE '' for more than four ( 4 ) months now.
I would like to notify the CFPB that on XXXX XXXX, 2015 I received a notification from my Equifax and XXXX XXXX XXXX monitoring report that XXXX XXXX XXXX # XXXX was deleted and removed permanently from my credit report. I have just seen it reappear on my credit report after being gone for 4 months. Whatever has occurred is not legal and not professional. This account was insanely inaccurate and outdated past the statue of limitation. Its history was incorrect and so where the terms and balances and it WAS NEVER properly veered and subsequently deleted in XXXX. The fact that it has reappeared is affecting me greatly, I am fixing the inaccuracies and would appreciate the help of the CFPB to force Equifax to act lawfully and not try to ruin my life. I am a smart consumer, i am a student and becoming a XXXX. I have no time for this and would like to start my life now, please!!!!!!!!!
House was built new and purchased in XX/XX/2008 for {$180000.00}. The mortgage was purchased and moved to Bank of America from the original loan company. I refinanced for a lower rate with Bank of america a few years ago. Currently my balance is {$130000.00} and the value is {$200000.00}. The LTV rate is 67.8 % but Bank of America refuses to remove the PMI. Every time I contact them they send me a packet of paperwork showing that I have to pay over {$500.00} for an appraisal before they will remove the PMI. A banker at Bank of America even mentioned that their internal proprietary database shows the home value is {$200000.00}.
I was directed to this site to request a file disclosure from each nationwide credit bureaus and from nationwide specialty consumer reporting agencies. My files contain inaccurate information and I am exercising my right to this request.
I contact Experian several times regarding multiple inquiries that appeared on my credit report that were not authorized by me. I spoke to a rep on XX/XX/XXXX who was in the process of removing them when we their system went down and our call was disconnected. When I tried calling back, I could not get back through. I filed a dispute online about these inquiries. XXXX stated that there is no way to dispute the inquiries at all but the online process definitely let 's you dispute them. On XX/XX/XXXX they sent me an updated report via postal mail that stated they verified and reviewed each inquiry. When I spoke to XXXX different reps on XX/XX/XXXX ... they all could not tell me the process in which they use to verify that information appearing on my report is factual and correct. I found this to be a huge concern and for great reason because by their response, if they could not state how the items were verified and method they used, that means they did not verify or investigate the disputes. If they did not investigate or actual verify each inquiry in my dispute, then how did they know items where factually and correctly being reported? That is the biggest issue to date. The next issue of my disputes that were filed about XXXX inaccurate collection on my reports. Each time they stated that they verified that the information and it was being reported correctly. I called and sent 2 certified letters with return receipts to Experian requesting specific information about how they verified that the information was correct and reporting accurately. I sent the letters starting XX/XX/XXXX and again XX/XX/XXXX which was at least 30 days apart. Also called and spoke with them about the disputed accounts. Please be advised that this is my THIRD WRITTEN REQUEST asking Experian to remove the unverified accounts listed that remain on my credit report in violation of 15 U.S.C. 1681. Experian is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first/second re-investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Where are the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? They did not provide me with the name of that individual, their business address, and telephone number. So as you can see, they failed to verify the accuracy of several disputes I have filed. I am most certain that they are not following FCRA guidelines set in place to protect consumers from unfair reporting and inaccurate information being reported. Why are they refusing to do their due diligence? Why have they lied about actually investigating and actually verifying inaccurate information being reported.
I withdrew cash from a non-SunTrust ATM in XXXX, XXXX from my CHECKING account and was charged {$3.00} by the non-SunTrust ATM for a balance inquiry for my SAVINGS account. I never performed an inquiry for the balance of my savings account. The non SunTrust ATM charged a fraudulent fee to my Savings Account in the amount of {$3.00}. I would like for the CFPB to perform an investigation to determine how how the non-SunTrust ATM was allowed to charge me for a service I did not request. I would also like for the CFPB to perform an investigation to determine why SunTrust allowed the non-SunTrust ATM to deduct a fee from my savings account when the fee was fraudulent.
My wallet, driver 's license, social security card and my XXXX XXXX XXXX XXXX credit card was stolen from XXXX XXXX in XXXX XXXX, AZ. There is {$3400.00} of fraudulent charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX. The charges are all fraudulent and do n't belong to me.
GM financial has failed to update my positive payment history since XX/XX/2017. I contacted GM three times about the issue. I was told they would update my credit reports. After no update, I was told I have to dispute the issue with my credit beuraus and it will take 30-45 days to see the matter resolved. This is their job to report. I made the payments on time for the last three months.
Receivables Performance Management continues to violate federal consumer law. 

Receivables Performance Management deleted a inaccurate account from my credit report and then re entered the account back on to my XXXX credit report. As I have stated before, I have no idea who Receivable Performance Management is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Receivable Performance Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018.Also, they are reporting that I have a balance with them as of XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Receivable Performance Managementas third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ Receivables Performance Management XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C.

9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to Receivable Performance Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
On XX/XX/XXXX I received a telephone call from a collection agency claiming I owed {$5800.00} on a " Care Credit Card. '' I explained I had no such card and questioned what it was and where the charges came from. I was told it was for XXXX XXXX earlier this year at a location in XXXX Florida. I have not been in the state of Florida since XXXX. The collection agency said I should speak to the card issuer, XXXX XXXX. I contacted their fraud department who told me to file a police report and get back to them. I filed a report with my local police department ( XXXX XXXX, NJ ) and sent the report to the Bank 's fraud dept. On XX/XX/XXXX I received a letter from the bank 's fraud dept saying they completed their investigation and instructed the three reporting agencies to remove the fraudulent card from my file and that the process could take up to 6 weeks. In early XXXX I applied for a JC Penney credit card and was denied credit - on inquiring as to the reason, I was told that JC Penney uses XXXX XXXX  and that XXXX XXXX claimed I had a prior unsatisfactory account. I have never at any time had an account at XXXX XXXX. The Synchrony Account # that should have been removed is : : XXXX. When calling Synchrony about this at XXXX they told me their computers did not work and that I would have to call back some other time.
In XXXX 2015, Citibank announced the closure of 17 branches in Massachusetts and now I can not find my saving account, which was previously opened in one of the branches of XXXX MA.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX XXXX  BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX  ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX ) XXXX   XXXX/XXXX/XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, XXXX XXXX