WillisBack/dataset-financial-user-claim huggingface dataset:
Can't get into the Equifax website because the security questions do not match my background. Whenever I send a correspondence in any form, I always get an email in return that sends me to the same website with the same erroneous security questions, that are not in my credit history The email states that I will find the resolution to this issue on the website. The website I can't get into. It also states that if they do not hear from me in 24 hours the issue is deemed closed. The issue is obviously not resolved with no way to resolve it. 

When I call they have the same security questions that are not mine and they will not allow me past that phase in order to resolve the issue that the security questions do not belong to my file. It is a vicious circle. 

I have been long retired and one of the questions is in regards to a student loan taken out in 2017. I do not have a car loan or a home mortgage. Nor do I have a store credit card. I don't know who's credit history they are getting the security questions from but it has nothing to do with my background. They will not talk to me until I answer their questions correctly. How is this issue to be resolved if I can't get through to communicate with an actual person? 


If someone is using my credit history for their own purposes I have no way of finding that out.
Filed bankruptcy with XXXX XXXX in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX .... loan is current but still not being reported to any credit bureaus.
I obtained an auto loan back in XXXX in the amount of XXXX for a XXXX XXXX XXXX XXXX XXXX. I was able to pay on the car until XX/XX/XXXX. I spoke to CPS on several occasions and told them I am no longer able to pay the XXXX because the car requires too much maintenance. They told me to ask family, friends, etc or try to obtain credit just to repay them back. I explained I have exhausted all of my resources to try and repay the loan. CPS refused to hear me. They call me non stop, thousands of times a day, 7 days a week harassing me for the outstanding balance. They made threats of coming to repossess the vehicle. I told them to come and get it. They lied and still won't come and get it. I asked them to come and get their vehicle. They won't come and get it. I asked them to grant permission for me to have it taken to a cash for car place and they said no they want the money. They don't care just as long as they get the money. They just want to harass me daily. They have also harassed my daughter and had their employees call pretending to be attorney 's threatening to file court petition complaint. I am tired of being harassed by CPS.
I signed up for the Citigold promotion and fulfilled all requirements and contacted Citibank multiple times to make sure that I had followed all the steps. I had paid {$90.00} for a checking account and now am being stonewalled when I ask for them to honor the terms. They state that the terms were only for targeted members but the terms and conditions that I have saved as a pdf say no such thing. I also had multiple missives from Citi stating that I would receive this bonus at the end of 3 bank cycles.
I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home.
On XXXX XXXX, XXXX, I learned that Equifax had been breached by an outside source due to a lack of security in their system. Items such as my Name, DOB, SSN, Address, and Driver 's License Number, may have been leaked and could be in the hands od people with malicious intent. Through reporting by the news, it appears Equifax learned of this breach on XXXX XXXX, XXXX, but did not report it to the public until XXXX XXXX, XXXX, a whole month after the company learned of the breach. 

To rectify the issue, Equifax has set up a website to allow consumers to view if they were involved in the breach. However, this website uses the very information that was stolen to verify my identity so I am unable to safely secure my account. To date, Equifax has made no attempt to notify me personally that my information may have been part of the breach by mail or by phone. Had I not seen this reported on the news, I would have had no idea I was at risk. 

This breach has set me up to be at risk of identity theft for the rest of my life and may even affect my heirs handling of my accounts upon my XXXX. The best way for me to be protected from this breach will require me to freeze my credit at the 3 major credit bureaus for the rest of my life.
I disputed this collection account with all three credit bureaus multiple times the latest date being XXXX/XXXX/XXXX. I have a collection account for the amount of {$140.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas Attorney General Consumer Complaint Division as well and I request the immediate removal of this trade line from all three credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This complaint is a notice and an attempt for you to correct your records and delete this account from my reports on all major credit bureaus.
Collection company is currently reporting XXXX inaccurate and false information on my credit reports. The credit reports state that I owe XXXX hospital {$270.00} and {$350.00} which i do not owe and have never received notification of any collection account activity. This information was disputed with XXXX and XXXX credit bureaus. XXXX accurately deleted the inaccurate account, but XXXX updated the accounts to show that it is closed.
XX/XX/2012 my apartment was robbed. They stole a box of checks from my home that I thought I lost. Turns out the checks were still in the home. I had already reported them stolen. Trident asset is trying to force me to pay for XXXX checks. These are FAKE checks not even from the box stolen. They have fake account numbers and claim to be XXXX XXXX. They have a XXXX XXXX routing number on then. They have my old name and address first name spelled wrong. Fake drivers license information and XXXX different fake telephone numbers typed under my name and address. Trident refuses to find them to be fraud even with my real information. They put them on my credit report! The debt collector accused me of being a thief and said I probably made the checks myself! They also refuse every time to allow me to talk to a supervisor to resolve the issue.I need help getting this off my credit reports. I have had every other debt collection help me resolve these issues except them.
I have disputed through Equifax the following account because the account is past the 4 year statute of limitations by PA law for collecting medical debt. A comment was added to my account, but it was not removed and I continue to receive calls and mail from XXXX XXXX. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX PA Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$240.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$240.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical
Called Experian and was not able to help me. 
On annual report.com I put my info in and system will not accept any of the security info system provided me to put in.
In XXXX, some of my loans held by XXXX XXXX, were transferred to XXXX. I had already sent in my XXXX payment. I called them and they told me that they would transfer everything and that I would not be considered past due. I kept sending in the payments, and they were not applied to my account. In XXXX, my XXXX payment and my XXXX payment were not posted. However, my XXXX payment was. 

I had been sending the payments to the wrong address. That has since been corrected. However, they applied the XXXX payment and then told me my XXXX payment -- since it went the wrong address -- would be refunded to me. That did not happen. 

Instead, Access sent it to another subsidiary -- XXXX, who is servicing a loan that I am currently not repaying -- and then claimed I owed XXXX a XXXX payment. Access sent my payment to XXXX without my consent. I sent in a XXXX payment, but since XXXX had my XXXX payment, XXXX applied my XXXX payment to XXXX, and so on. So I have been paying on time, every month, but XXXX   does not credit my account. Even though they receive my payment. 

I have been talking to them for six months. My payments always post no later than the XXXX. I want them to fix this issue, but they will not. I need help.
I have a debt that I owe to XXXX XXXX XXXX, which is an apartment community in XXXX, Colorado for an eviction. I owe {$4600.00}, which is not disputed. I want to make arrangements to pay because I figured out a solution in order for me to begin making payments. I recently checked my credit report and the balance increased by {$1600.00}. The collection company is " Hunter Warfield '', based out of XXXX, Florida. http : //ww2.hunterwarfield.com. Hunter Warfield has a business relationship with XXXX, I do not. I never agreed to ANY arrangement with Hunter Warfield, I do not have a business relationship with Hunter Warfield of any sort. If XXXX chooses to outsource this debt to Hunter Warfield, that is their choice. The {$1600.00} makes future payments for me unreasonably difficult, I will not agree to ANY interest or increase in balances owed. I will pay what is owed {$4600.00}.
In XX/XX/XXXX i received a notification from XXXX XXXX that my credit score changed I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization.. 
Now again in XX/XX/XXXX I received another notification that my credit score changed. And once again I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization or knowledge again. .. 
Please investagate this breach and missy of the credit bureau ... and I want to file chargers against XXXX XXXX XXXX XXXX.. 
I will be will to start a class action lawsuit against XXXX. I know this is more likely normal bad buisness practice for them I see a pattern of abuse ...
I have filed a previous complaint regarding this. 

On XX/XX/XXXX BOA took my automatic payment out of my account twice. 

for {$2700.00} they only credited the account once. 

I have called them on numerous occasions to have this resolved with not action taken on their part. So they have owed me {$2700.00} for a month now. 

If this had been the other way around, I would be incurring late payment charges and high interest rates. 

After I filed a complaint with your organization I finally did get some action from BOA. 

They credited my account for {$1200.00} and started to reflect the 2nd payment they had taken on my account. However, they did not refund the entire amount that they mistakenly withdrew on XX/XX/XXXX. They took an extra {$2700.00}, they finally refunded ( after I filed a complaint with your organization, thank you very much ) {$1200.00}. They still owe me {$1500.00}. 

I did not stop payment on my " auto pay '' this month for XX/XX/XXXX. I was afraid if I did they would charge me late payment fees and interest.. 

So now they have taken {$2600.00} out of my bank account for the XX/XX/XXXX payment. 

Which would be OK, except they neither credited me or returned the {$1500.00} they have owed me for over a month now. 

I am in XXXX, so this has been really difficult for me to handle. I have already spent over {$100.00} on international phone calls trying to resolve this with BOA to no avail The only satisfaction I have gotten is from contacting your organization. 

Could you please help me get back the remaining money they owe me? {$1500.00}. 

Thank you XXXX XXXX
My complaint is with Synchrony Bank. This bank has arrangements with many merchants which have the effect, if not purpose, of sucking consumers into contracts with exorbitant interest rates and term which lock consumers into ever increasing debt. My specific complain is with Lowe 's and Synchrony Bank. I purchased a kitchen sink including installation from Lowe 's in XXXX, Texas for {$680.00} on XX/XX/XXXX with Reg Deferred Interest /With Pay Expiration Date XX/XX/XXXX, annual Percentage Rate 26.99 %. Nothing in the contract from Lowe 's mention Synchrony Bank. I guess Synchrony maybe a holder indue course. I do not understand holder in due course except it protects the bank or others from some liabilities. 

I think the agreement between seller and buyer should explain the obligation may be sold to a bank and the bank will not be liable. 

I have been paying on my account with Lowe 's or Synchrony as follows : my balance on XX/XX/XXXX was {$500.00}, my balance on XX/XX/XXXX was {$500.00}, my balance XX/XX/XXXX was {$500.00}. and my balance on XX/XX/XXXX was {$540.00}. I paid {$37.00} on XX/XX/XXXX, and {$50.00} on XX/XX/XXXX. 

Payment required for late payment {$38.00}. on XX/XX/XXXX. That calculates out to {$3400.00} annually on a {$500.00} debt or about 684 % annually. 

As a suggestion, sellers should be required to reveal all agreements between sellers and banks.
on XXXX/XXXX/XXXX I was notified by my current landlord that someone had been calling there phone and leaving voice mails on there phone which clearly states there names and business. they left my name and reference numbers. My landlord gave me all the information so I called the number. When the phone picked up, it said please wait. A woman answered the phone and asked for my reference number and name, never did a 3rd point of verification or ever read the mini Miranda act to me. I let her know that she did not follow the guidelines and then moved on to what my call was actually in regards to. I told the woman it was n't my XXXX XXXX debt and they were calling my current landlords number and leaving my personal information on there voice mail. The woman did n't say anything but she would remove the number. I asked to speak to a supervisor and was placed on a brief hold when XXXX XXXX came on the phone and once again ... did n't read me the Miranda act, her excuse ... it was read to me when I called in. 
Which I am pretty sure is n't the law. Also was never told if the call was being recorded either.
On XX/XX/XXXX, XXXX XXXX had my car repossessed after payment was received and illegal accessed my credit report for impermissible purposes not covered under the FCRA guidelines. They did not obtain my written consent to do so as well. So in addition to them taking my car that has been paid for, accessing my credit report without my express written consent ... they also never sent notice via mail nor email of a repossession order nor intent to repossess which is against the law in Texas. XXXX XXXX has not communicated with me by phone, mail, or email since XX/XX/XXXX. Any address change has and was reported to them. Not once have the reached out. Then to be told they placed a repossession order out on XX/XX/XXXX is outrageous. They have more than violated my consumer rights but they have also not followed the law and federal guidelines. Under the FCRA laws, permissible purpose does not extend to auto finance companies with no purpose of opening a new account. Using an individual 's credit report to obtain personal information with the consent of that individual violates their consumer rights under the law.
I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XXXX/XXXX/16, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to CCS Collections. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.
Lady calls XXXX or XXXX per week for the past months asking me to pay something I do n't owe. I have told her around XXXX times to stop calling but she keeps calling. She has shouted, told me I am going to get in trouble and all sorts of threats. Terrible, terrible!
I applied for a XXXX XXXX XXXX XXXX credit line on X/XX/17. They put XXXX hard inquiries on my XXXX credit report. I would like XXXX of those credit inquiries removed.
I have sent Equifax 2 certified letters to remove inquiries that I didnt authorize, one letter a month, we are now at month three and nothing has been done to resolve thisEquifax refuses to remove or even dispute these findings, they are breaking the law and I had enough of the credit companies always strong arming the consumerdo what they please instead of what the law reads ... now these inquiries are listed here ... .XXXX , XX/XX/XXXX ... ... .XXXX, ..XX/XX/XXXX... ... .XXXX, .XX/XX/XXXX ... ... XXXX XXXX, ..XX/XX/XXXX ... ... .XXXX  ..XX/XX/XXXX, ... ... XXXX, ..XX/XX/XXXX, ... ... XXXX XXXX, ..XX/XX/XXXX
I have twice XX/XX/18 and XX/XX/18 to have my consumer file updated and they keep reporting the same incorrect information. 

They have names, addresses, insurance companies and a bankruptcy that doesn't belong to me in my consumer file. 

I am not sure whom they are verifying this with but it is inaccurate.
This is my third complaint against Seterus, a mortgage company. In XXXX 2015 my XXXX mortgage account was transferred to Seterus " in arrears '' with " funds held in suspense ''. In XX/XX/XXXX XXXX finally admitted in a letter to me and to Seterus that this was their mistake, not mine. My XX/XX/XXXX payment had been misapplied. The attached letter from XXXX received in XX/XX/XXXX further clarifies that my account was current when transferred to Seterus. All mortgage payments to Seterus since XX/XX/XXXX have been made on time or early. After three months since XX/XX/XXXX explained to Seterus that my account was never delinquent, Seterus has failed to acknowledge this, and is still billing me for past due payments! Seterus is a TERRIBLE and INCOMPETENT company. I have never been given a case-worker as I was by XXXX. I have been treated disrespectfully by Seterus phone representatives. I have spent hours making phone calls, writing letters, sending faxes and emails with copies of checks documenting my on-time payments since XX/XX/XXXX! I demand that Seterus bring my account to " current '' status, and repair all damage to my credit rating!
I have disputed multiple inaccuracies on my report I would like them to be removed immediately Account XXXX Account XXXX And also multiple payments being reported late which I have never been late on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
When making an online payment there is a multiple choice type selection for what you want to pay. XXXX is the payment amount, another is a custom amount, and another is the full balance etc. I accidentally checked the full balance. I did not realize this until I received a confirmation e-mail only minutes later. Calling the bank to try to resolve the issue while the payment was still pending, they were unwilling to help stating that they were unable. As an XXXX professional I am well aware from a systems standpoint what is possible and what is not. Any transaction based application or other form of software should have the ability to cancel or otherwise reset a transaction before final completion of said transaction. The only resolution I could come to was contacting my bank and putting a stop payment out there. Normally this would cost me money, but I was able to persuade my bank to waive the fee. What if this had not been me that caused this to happen? What if it had been a bug in the software, or someone had hacked my account? I realize that realistically the chances of this happening are exceedingly slim, however, not non-existent. I could understand if the payment had been fully processed and transferred to another system ( still I know there are ways to resolve if XXXX really wants to on a database level ), but this payment had not.
I sent in extra escrow payment and they credited to extras principal but it was noted om ck and payment coupon
This company never validated the debt and this needs to be removed from my credit report. I am now being harassed by another company XXXX XXXX XXXX. You can not owe the same alleged debt to XXXX different companies.