WillisBack/dataset-financial-user-claim huggingface dataset:
The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. 

On XX/XX/XXXX EQ Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2.  XXXX 3. XXXX XXXX XXXX. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. 

My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. 

EQ Report XXXX Begins the non-reporting of my XXXX accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an XXXX 

I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. 

I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. 

In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. 

Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. 

Thanks for your time.
I graduated from XXXX College XXXX XX/XX/2004 I had Private Student loans through XXXX, now Navient. Since graduation, I have had BEYOND numerous problems with them. They have withdrawn monies from our bank account without authorization, changed scheduled payment dates/amounts without notice, failed to properly distrubute payments on account to correct loans, and have called us to collect payments earlier than scheduled to get a double payment for that month, then refused to return additional payments. They call my parents who are co-signors on my loans, up to 5 times a day trying to get additional payments, even when there is a automatic scheduled payment pending. I have made payment to account, only to find out 6 months later that they erroneously entered information and thus did not get payment from the bank, then charged me late fees for their error. They REFUSE to let you speak with any kind of supervisor above a manager and they do not return calls when promised. Any arrangements made with XXXX operator, will not be known by other operators from a different call center. It has gotten to a point when any dealings with them are completely unreliable!! My issue is all of the ones listed below on " Dealing with my lender or serivcer!! We have been told there is a penalty and or reported negatively to credit bureaus if loan is paid off early. We have been hung up on.
Transunion and XXXX continue to report Bankruptcies on my report in which proof were sent to them that they are not verified from the courts and they keep stating the information was verified without proof of how they supposedly are verifying information that in fact is not being verified from the XXXX Bankruptcy courts. So they are engaging into unfair practice of lying to there customers in which can and will lead to litigation. I have tried 3 times to resolve this and all 3 times they just say verified without validation or proof.
On XX/XX/2016, a deposit of {$940.00} from my XXXX pension and {$110.00} from my XXXX XXXX XXXX pension was deposited into my Chase Bank personal checking account. I stopped at a Chase atm at XXXX XXXX XXXX in XXXX, NY to withdraw {$600.00} however the atm was faulty and never distributed the funds. I stood in front of that same atm until the branch opened at XXXX and the Chase representative immediately shut down that very same atm machine. He then called the home office and was advised that the account would be rectified within six ( 6 ) hours. I trusted their word and on XXXX/XXXX/2016, I checked my account via mobile banking only to learn that the funds had still not been credited back to my account as promised. Consequently, I returned back to the same branch on XXXX/XXXX/2016 and the same representative that assisted me on the initial incident date, assisted me again and made a subsequent call to the home office. At this time, my account was credited the {$600.00} ( as a pending transaction ) and the home office representative advised that Chase was having problems with postings credits/debits to accounts and that I would have to wait until XXXX/XXXX/2016 for them to reconcile their books in order for them to make the necessary adjustments to my account. On XXXX/XXXX/2016, my social security benefits {$1600.00} was deposited into my account and on XXXX/XXXX/2016, the pending {$600.00} transaction was deducted again. Once again, I returned back to the same atm branch and a different chase representative called the home office again ( 3rd time ) and I was informed that they would credit another pending {$600.00} until XXXX/XXXX/2016 and if Chase had not reconciled my account by then, the same pending {$600.00} would again be deducted. To present date, I am still fighting to rectify my account since XXXX/XXXX/2016 when I NEVER received the initial {$600.00} withdrawal from the atm and I have incurred numerous overdraft fees as a result.
just received a notice from Gulf Coast Collection Bureau Inc. stating I owed {$58.00} for a XXXX on XXXX/XXXX/15. I am on Medicare and Medicare Gap so would not have any outstanding bills. Also never ever received a notice regarding this {$58.00} until today ( one year later ). Checked their background and found many, many complaints with the same issue. Clients had paid their bills. 

I 'm concerned that this will affect my credit rating. Hopefully they can be removed from the collection business.
I had my mortgage loan bought by Bayview Loan Servicing , LLC . Subsequently I am in the position to sell my house and the Law firm doing the closing requested a Loan payoff amount eight days prior to the closing. The law firm never received anything and they called Bayview two days before the closing. Bayview told them they could not provide information to them over the phone but I, as the owner, could get the needed information. I called and was told I could not get the info over the phone either. I requested the payoff amount through Bayview 's website and now was told it would take 48 - 72 hours. I tried calling back to speak with a supervisor to try to escalate the process and was forwarded to a voice message. I called back again and after an excessive wait was told a supervisor would not be able to speak with me for at least another hour and asked if the supervisor could just call me back. I finally agreed and never received a return call. I called again this morning and same scenario that the supervisor was handling other calls and would call me back. For something as simple as a payoff amount I can not get anyone to provide information to me. The law firm is experiencing the same lack of customer service.
For the past XXXX month I 've had hard inquiry 's added then removed bringing my score up then down XXXX new inquiry 's
I have 3 address on my credit file that I have never been associated with I would like them removed from my credit profile, XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX va XXXX, And I will like my Report to be updated with my current address XXXX XXXX XXXX XXXX XXXX va XXXX, I have provided a current bill and a copy of my driver license Thanks
TransUnion significantly change information in my credit report from XXXX XXXX, 2016 to XXXX XXXX, 2016, which also significantly dropped my credit score from XXXX to XXXX. I have attached my TransUnion Comparison Report for proof. 

I spoke with some women in XXXX, outsourcing is terrible, who was clueless in helping resolve the problem.
HSBC credit card are accusing me for a transaction that I didn't make. 

There system are posting wrong dates on my transaction and its there job to double check not mines. 

the transaction made on XX/XX/XXXX beside XXXX  are considered to be a frad, and wrote on their paper statement that we aren't reliable with any frad transaction and they are dening this!!! HSBC is being very unprofessional no wonder nobody really talk about this company ... 

I have been with them for only 2 months or so and they are doing a horrible job already. what a good way to welcome a customer
Multiple times during repayment, my payments have been misallocated my funds. Charged outrageous interest amounts. This was done over years of payments and in my naivety I did not realize what was happening. I recently thought I had paid off my loan and now am getting a notice stating I still owe over {$900.00}
Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to XXXX XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX  I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX
Hello, the bank failed to honor a properly funded payment, by the time I realized this I was late on my payment about 20 days, I had to pay late fees and my credit standing with the creditor was affected. The bank now claims that I put a stop payment on the transaction as the reason for not paying it. I have never put a stop payment on anything in over 30 years. I have asked the bank to provide clarification letters for my creditor and my credit file and they refuse. In the last few months I have had several irregularities which never happened in the previous 30 years of the account, somebody please close this bank it has become a nightmare. Many thanks for any help you 'll provide.
I received a credit card offer from Discover Card. They lured me in with the PROMISE in writing for a XXXX month 0 interest rate.When I received the card, it was a lie. They stated in the advertisement that the card was guaranteed, upon approval, 0 interested for XXXX months. I was approved for XXXX and yet I only received XXXX months 0 interest, when I called them they said too bad. It was a classic bate and switch. I tried reasoning with them and was told too bad. I want the inquiry removed from my credit report. I work EXTREMELY hard to maintain a great score. They should NOT be allowed to bait and switch people.
CRA violation no knowledge inaccurate accounts on my Equifax credit report. FTC ID Theft report # XXXX
My Bank of America debit card was stolen along with my XXXX XXXX on the XX/XX/18 XXXX dollars was stolen from my checking and savings accounts.The person who stole my card and phone made purchases using my debit card and also hacking on to my online banking on my phone making XXXX dollars in transactions worth they also make XXXX dollars transactions on my debit card also. 
As soon as my card and phone were stole I canceled my debit card and filed a police report in these crime.I rang my bank and they investigated what accoured I sent them all the information they need police report pictures of the suspect giving to me by police phone records also records of all transactions used by suspect. 
The Bank of America give me back XXXX dollars of my hard working money. 
I want the rest of my money XXXXdollars. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nj XXXX
XXXX  XXXX XXXX  XXXX {$350.00} ( charge-off ) & XXXX XXXX XXXX  {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation.

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
The contract I signed to borrow {$1200.00} says that if I make my payments as scheduled, I will have paid {$1400.00}. That is {$1200.00} + interest of {$25.00} + fees of {$170.00}. 
I have made 3 payments of {$220.00} on XX/XX/18, {$200.00} on XX/XX/18, & XXXX on XX/XX/18. 
They say I still owe {$1300.00}. {$1400.00} - ( {$200.00} + {$220.00} + {$280.00} ) = {$1400.00} - {$700.00} = {$750.00}. That is what I owe.
I sent a proof a validation letter to company requesting a signed contract, I got no response. I do. Or have a signed contract with credit control corporation. I also sent a fax letter to them stating they are violating my rights under the HIPPA law.
The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to Security Credit Services , LLC. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.
I have a mortgage with BSI Financial. Numerous times I have requested a loan modification. Several times I was in foreclosure and borrowed money to bring my loan current. Now I am in foreclosure again. I was forced to file a Bankruptcy last time in order to keep my house. Numerous times I send the qualify written request and no replies. My accounted has called the BSI everyday for the last week requesting a payoff statement. No payoff statement yet. Every time my accounted calls they inform him to leave a message for a person named XXXX XXXX who never once returned a phone call and or even replies to emails send from customer service. All I can say they are the worst servicing company. They are going to cost me my house.
I have been the victim of identity theft. I have attached a signed and notarized FTC affidavit. The following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX Card Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX  XXXX XXXX Acct # XXXX The following inquiries were not made by me related to these account or other attempts to open accounts : XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/XXXX
I am currently on a HAMP loan that was originated in 2013. Under HAMP I was suppose to receive at {$1000.00} credit each year after 12 consecutive payments are made on time. It is clearly written in my modification documents. Each year after 12 months of consecutive payments, I have called Mr Cooper to request the credit. I have always had automatically payments set up with them so all payments have been on time. They always tell me that I am only eligible after the full 5 years of payments is completed. I am now beyond the 5 years since origination. I have been trying to contact Mr Cooper regarding my incentive credit under the program. Mr Cooper representatives keep saying it will be processed shortly and that I will receive written notice. I have not received anything in over 5 years and have been calling every month or two for status for the last 4 yrs. They refuse to put anything in writing even after numerous request for written confirmation they are processing the incentive credit. Mr Cooper 's website does not have option to send email so that I can receive written response. I have tried to calling Making Homes Affordable counselor for assistance, but they have been unwilling to help, but did tell me that the lender is suppose to give me the credit each year after consecutive 12 monthly payments are made on time, not after 60 months. They also indicated that I should also be eligible for up to {$5000.00} credit if I make 12 consecutive payments on time in the 6th year. I feel like Mr Cooper is is violating the terms of the modification so that they can keep money that funded by the government. I need help please!
Three payments of {$840.00} were received by Sears in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; Sears agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.
A judgment was filed for a previous debt of {$1400.00} on XX/XX/XXXX. The debt was made by my mother who died on XX/XX/XXXX. The judgment is based on collateral of her home. On XX/XX/XXXX a request for payoff was submitted to XXXX XXXX in order to complete the sale of the home my mother owned. The company was forwarded other requests prior to the XX/XX/XXXX request by the attorneys closing the sale, but got no response. The buyers of the house have suggested backing out of the deal due to the lack of response from XXXX XXXX.
In regards to the recent exposure of data accessed via the Equifax security breach, I have tried for two days to put a credit freeze on my account at Equifax. I have made repeated attempts via phone and also via the Equifax website. However the automated phone link is unable to process the request and the internet link does not provide an option to freeze my account information. 

This company has fallen short of consumer expectations of not revealing the security breach in a timely manner and not providing the tools necessary to protect our information. 

I have attempted to call Equifax but they do not have a representative available to speak with. It is also worth noting that XXXX, XXXX, XXXX provided adequate simple and effective means of freezing my data.
Everyday in XXXX and XXXX I am receiving calls on my cell phone ( XXXX ) number. After speaking to XXXX XXXX on XX/XX/17, she asked what number they could communicate with me on. I gave her my Home number ( XXXX ) the next day they started the Rotary Calls to that number at XXXX XXXX. She also stated that they investigated information on me and stated I had a lot of properties and asked about a person who has a last name as mine who has no connection nor responsibility for my grand-daughter 's Student Loan.
I have a large amount of student loan debt as I have tried several times to complete my degree program. My loan amounts are approx. {$70000.00} at this time. I started college in XX/XX/XXXX after I graduated high school and I did complete an XXXX Degree program. I have since enrolled in several XXXX Degree programs and have been unsuccessful in completing them. The financial aid departments and college recruiters never tell you the extreme levels of harassment that Naviant will take to get paid on their loans. 

I understand I that I owe the debt. I also understand that I have XXXX children and I work a full time job. My fiance and I are struggling to keep our rent paid and our electricity turned on at this point in our lives. XXXX of my children 's birthdays are coming up and XXXX is right behind that. It's difficult to explain to children that I couldn't buy them a birthday gift because I had to pay for degree that I actually never got. It's also difficult to explain to our landlord that we couldn't pay our rent for the same reason. I've done my best to pay {$50.00} a month for two years and I reviewed to find out that instead of paying that {$50.00} dollars toward the lowest or highest interest accruing loan, Navient was taking the {$50.00} and splitting into change across the several loans and making appear that my several payments I could make actually never had any impact at all while continuing to charge me interest on all of the loans. Over the last year I have made payments to loans when I could but the loans that had the lowest balances in an effort to actually pay off some of the loans before I die, as based on their payment allocation or payment options I will either never be able to pay the loans off or never be able to afford to pay the loans off. I do not know a person who can with my salary make payments to a loan of over {$2000.00}. 

I was notified last night, via XXXX XXXX, by a neighbor that I grew up beside that Navient had reached out to them. Let me be clear, I haven't seen or spoken to this woman for 15 years and Navient reached out to her to contact me about my student loans. Navient also reached out to my father, whom I haven't spoken to for over 10 years. I'm XXXX years old. I'm curious to why these people are being contacted in regards to my debt.I feel that this may be a violation of the FDCPA. I spoke with someone at Naviant last night, who stated that it's a form of " skip tracing '' which makes me feel like a criminal. Over student loan debt. She asked me to call again today to make a payment of {$50.00} to clear the past due history until XX/XX/XXXX. I plan to call to pay the {$50.00}, which takes {$50.00} from my grocery bill for this week. Which means my fiance and I will not have lunch for this upcoming week, but I understand this debt is important and I don't want to have any more calls to my friends or any acquaintances I may have listed from the " skip tracing ''
Recently Equifax was responsible for failing to secure highly sensitive information for millions of Americans, myself included. Not only did they fail to secure the information, they did not tell anyone for an extended period of time, and high level executives illegally sold off stock in advance of the news going public, which is criminal. Additionally, their disaster consultation website is a poorly designed and poorly secured tool that returns random information and tricked people into signing up for a free credit monitoring service at the cost of not being able to file a class-action lawsuit anymore. 

These repeated behaviors are both negligent and malicious in intent, and honestly they deserve severe repercussions for such a severe compromise in many Amercians ' peace of mind and financial well-being.