WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX OF XXXX I am writing to file a complaint against EQUIFAX because of their predatory CREDIT REPORTING practices reporting negative without providing any response from XXXX XXXX Equifax never investigated b. Non responsive c. indistinguishable letter stat that investigation completed and no change XXXX Never provided any response form creditor I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Around the end of XXXX. I think around XX/XX/XXXX. I got served twice in the same month. I got served at home.For two alleged credit card debts from XXXX XXXX. Johnson Mark LLC is the debt collector and they told my attorney that I am being sued for the two alleged debts. They also told my attorney they were hired by XXXX XXXX to represent them. They still state that XXXX XXXX owns the alleged debt and are just acting on XXXX XXXX 's behalf. 

First alleged XXXX XXXX amount is {$2700.00} and the other is {$4800.00}. 

If Johnson Mark states they were hired by XXXX XXXX directly then why these two alleged debts were with two different debt collectors before? On XX/XX/XXXX got a debt collector statement from XXXX XXXX and the other alleged debt got a debt collector statement from XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX my attorney send out XXXX requests to Johnson Mark LLC. Proving they have the rights and truly own the alleged debts. What I have attached is what they sent my attorney as a response. 

This is very troubling for my wife and I. We are not experienced with the whole legal system. It is causing us high stress in our daily lives.
I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an American Express account in my name. This information was reported to the credit reporting agencies by American Express ( AMEX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX ), I have made over 100 telephone calls and sent several e-mails ( copies attached ) to AMEX. AMEX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. AMEX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by AMEX report WILL NOT BE REMOVED until AMEX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN AMEX CARD. I HAVE NEVER LIVED IN TEXAS.

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but American express reported a Texas address associated with the derogatory account information AMEX reported to the credit bureaus. I never receive a call or any mail regarding this account from AMEX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my XXXX and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.
I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX XXXX XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for Experian or agent of Experian, XXXX XXXX, XXXX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX XXXX, XXXX vs. XXXX XXXX Experian XXXX, and XXXX vs. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
This is a bill the I owe my 1st year of college, I rented an apartment off campus and when school was over I had 3 months left to complete my lease the amount of rent was {$320.00} a month but I was giving a settlement of {$1600.00} for XXXX XXXX from the National Credit System , Inc. I am trying to get this bill paid off but every times I talk to XXXX XXXX she is extremely rude and nasty when I ask her how come my settlement is so much, XXXX XXXX has forfeit the settlement of {$1600.00} only because I asked her for a detail bill for everything I was being charged on my credit report, That is my right to ask a collection representative what I am being charged for especially if they are collecting {$2000.00} with {$1000.00} being in late charges. This collection representative is abusing her position and not giving me a settlement now just because I asked for a detail bill this is against the law when I am trying to settle this bill, XXXX XXXX XXXX of National Credit System continues to abuse her authority just because i do n't know who else to turn to and to get this matter resolved.
Equifax is reporting a false credit score. They are reporting my score as XXXX ' even though all accounts listed show as on time and satisfactory. The other two credit agencies are reporting my score as XXXX. Equifax also will not provide me with my free credit report that I am entitled to by law, as I have just been denied a loan based off of the false information that has been published by their company. All attempts to contact via phone have resulted in being on hold for hours on end, being transferred ( even to 3rd parties that are not employees of Equifax who want to sell me their 'protection plans ' ) and eventually being hung up on when I demand to speak to their supervisor for resolution. All attempts to correct the issue on their website : www.equifax.com has resulted in error messages that read " We are unable to process your request ''. All attempts to make contact via email has resulted in either no response or out of office notifications, except for one response who provided me an email that again receives no response. I also received a phone number, but it was not an Equifax phone number, but again, a 3rd party who wanted to sell me their 'protection plan ' again. All I want is Equifax to report a legitimate score with correct information, an EQUIFAX employee in a position to assist to contact me, and the free credit report that I am entitled to by LAW.
Deceptive advertising, sent pre approval notice, spent XXXX weeks faxing documents, only to be denied without counter offer for loan that fits my income. Bogus company.
Navient has crippled my future by giving me a loan I should have never been able to take out. 
The loan in question is an XXXX in the amount of {$26000.00}. I took this loan out while still in school with little to no income. No co-signer. I fail to see what they determined then I would be able to pay that with? 
I have currently {$110000.00} in student loan debt from XXXX SCHOOL. I graduated in XXXX during one of the worst recessions in history. They have set me on a path that has had devastating consequences for my financial future and my confidence to ever get ahead.
I had to file chapter XXXX because of a accident. after four years of paying on it. I received a order deeming the mortgage current as of XX/XX/XXXX. I have made all payments from XXXX in full and on time. until XX/XX/XXXX when they advised I was 5 months behind on my payments. I have sent all the information to Ocwen XXXX times proving all of the payments were made by the trustee and myself.. they still advise I am behind and are threating to foreclose they returned my XXXX payment I have contacted a attorney they advise I file a complaint the you first.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX/XXXX Closed : XX/XX/XXXX + {$730.00} Closed XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$680.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$640.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - {$33000.00} Closed XXXX XXXX Last reported : XX/XX/XXXX -  {$610.00} XXXX XXXX - {$430.00} Closed XXXX XXXX XXXX XXXX - {$1200.00} Closed XXXX XXXX- XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1300.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$610.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$410.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX + {$54.00} Needs Attention XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
When I apply for credit and receive a " Risk-Based Pricing Notice '', the notice describes " Key factors that adversely affected your credit score '' with Equifax as the source. From more than one bank, these key factors are claimed to be : " Serious delinquency, Number of accounts with delinquency, Too many consumer finance company accounts, Too many inquiries in the last 12 months '' So, I go to Equifax and obtain my credit report to dispute these things, however the credit report I obtain from Equifax contains absolutely no delinquencies or any other negative information whatsoever. I have also never had a " consumer finance company account ''. I am not 100 % sure what that actually means even after researching the phrase, but I have only ever had student loans and an auto loan, so I do not believe I have ever had any " consumer finance company accounts ''. 

The main difficulty is that Equifax is reporting this erroneous information to banks when they pull my credit report, but when I pull my own credit report it is impossible for me to dispute these errors because I seem to be receiving a different report than the ones the banks are receiving. The one Equifax provides me is correct, while Equifax is providing a different, more negative report to the banks. 

I might think that this was an error done on the part of the banks, but it has happened more than once from different banks using Equifax as a source, several months apart. I attempted to contact Equifax for help online or by phone, but they have no way of speaking with a human about this issue, everything is automated and only allows me to dispute information I can see. I can not dispute these strange errors that only the banks are apparently given.
My name is XXXX XXXX, I am XXXX years old and XXXX. My wife a banded our home on or about XX/XX/XXXX. She told me that I was a good man, she did not love me. She told the new dinning room set, new bedroom set, new living room set, our new flat screen TV, and the XXXX Truck which was a gift from her and my children and left me. 
On XX/XX/XXXX I applied for a divorce with Legal Aide. They help me to reply to her attorney 's request : I want the house, half of her retirement from XXXX, and half of her retirement from XXXX XXXX XXXX. 
I did not make a mortgage payments for XX/XX/XXXX and XX/XX/XXXX, because I had to pay attorney the Law Office of XXXX XXXX XXXX due to Legal Aide not being able to help me due to no funds being available. 
XXXX XXXX XXXX had been my mortgage company for about 30 years, I made payment from my XXXX XXXX XXXX checking account. 
My nightmare began not being able to pay the XXXX XXXX School Taxes. When I went to make payment on XX/XX/XXXX for the amount of {$640.00} I was informed by the XXXX Tax Office clerk the balance had been paid in full already, I asked her who paid for them I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. You have to request the money we gave you credit for being approved because of your XXXX. 

On XX/XX/XXXX I went to XXXX XXXX XXXX, their representative called the XXXX, I spoke with their mortgage representative who told me I a made the payment of {$640.00} before XX/XX/XXXX they would not make the Escrow Tax account and my payments would continue to be my regular monthly payments of {$640.00} per month. XXXX XXXX XXXX made an automatic payment to the mortgage account XXXX instead to the escrow tax account, because of this error XXXX XXXX XXXX made an escrow account for 5 years. 
I had only 3 years to finish paying my mortgage and due to the unethical error made by the automatic payment applied to the mortgage loan payment instead of the escrow tax payment XXXX XXXX XXXX increase my contractual remaining term to 5 years and 8 months, and it increased my mortgage payment from {$640.00} to 1 payment of {$850.00} w paid in XX/XX/XXXX and my new monthly payments starting XX/XX/XXXX would be {$780.00} per month. 

On XX/XX/XXXX I went to pay my mortgage payment for {$780.00} and I was told by the teller my account had been sold to another company. I was to speak with a XXXX XXXX XXXX representative. I was told I would have to contact SLS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to make the payment. I got home and called the 3 times that day and a representative answered and call was disconnected each time. A week later I received a letter stating that XXXX XXXX XXXX has been transferred, effective XX/XX/XXXX to a new servicer, will be collecting my mortgage loan payments. No other term of your note and mortgage will change. I received a bill for XXXX which has to be paid in full. My monthly payment or {$1100.00} per month. 
Yesterday someone from the mortgage company came to take pictures. My house is for for closer. Please Help Me Save My House! 
Thank you, XXXX XXXX Cell # XXXX
I have a checking account with US Bank, so I have a check card/debit card. While in XXXX, XXXX I noticed everytime I withdraw funds or use my debit card to pay for meals, medicine, or anything, I am assessed an XXXX fee. The bank knows I 'm XXXX for XXXX weeks. I told them before I left so they would n't suspect fraud or identity theft. The fees range from XXXX cents to {$2.00}. Why the wild inconsistency? Each time I go the local ATM I have to pay the bank 's ATM fee and my bank 's XXXX fee. Why are banks charging their customers these unncesessary XXXX fees? The technology is such today that it should n't matter where I am in terms of cost to my bank. 

Therefore, the complaint is that my bank, and I 'm sure it 's industry pracitce, is taking advantage of customers who are XXXX just to earn more revenue in the form of unnecessary " XXXX fees ''. 

Also, why the wide range in XXXX fees charged by my bank? Everytime I go to an ATM I 'm paying, sometimes, more than {$5.00} in fees total to withdraw money. This can add up because I do n't have a credit card. During a typical week that could add up to more than {$50.00} in fees. I 'm not in the habit of withdrawing a lot of cash at once to store on me out of safety and budget concerns. 

Thanks for considering this complaint. 

XXXX XXXX
my student loan was disbursed by my school to the wrong account at XXXX XXXX. over 15000 has just disappeared and I still have to pay it back. The bank said the school must contact them directly in order to send the money to the correct account. XXXX confirmed that they recived the money to account XXXX however the person has withdrawn it and frozen the account. I should either have that money refunded or not be responsible for it.
I HAVE BEEN TRYING TO FILE A DISPUTE BUT I CANT ANSWER ALL THE QUESTIONS AND ITS VERY SUSPECTUAL THAT SOME OF THE THINGS THEY ARE ASKING ME HAVE BEEN DONE BY SOMEONE
I was reviewing my payment history with Loan Care AKA XXXX and I noticed on XX/XX/XXXX that in the amount paid column there is a figure of {$220000.00} when I questioned this with Loan Care they were unable to answer my question and forwarded it over to Payment investigations for review. I purchased my home in XXXX for {$180000.00} so this amount is puzzling to me as I have never seen any paperwork with this amount on it. I did go through a modification XXXX but was never issued any disclosures. I was only provided paperwork to sign and return. I am trying to figure out what this amount is as I have never seen it anywhere before, my current balance on my mortgage is {$120000.00} and my home appraised for XXXX in XX/XX/XXXX and they are still requiring me to pay Mortgage Insurance which is only if the LTV on your home is over 80 %. 80 % of XXXX is {$190000.00}. I feel as though something is not right with this. I want to be treated fairly and feel I am being overcharged by having to pay MI and I also do n't understand where this figure of {$220000.00} is coming from as I would NEVER agree to that. I work in the mortgage industry and am aware of how mortgages work. Can you please look into this and advise me of anything you can find out. Loan Care is unable to provide me with an explanation as to this figure. I 'm concerned that I may have been taken advantage of as the balance of my mortgage is well below 80 % LTV and I am paying MI in the amount of XXXX per month and also what is the {$220000.00} figure that is showing up. My initial loan amount was {$170000.00} and the purchase price of my home was {$180000.00}. Please advise Thank you
Hello m name is XXXX XXXX, I am trying to deny all medical collections on credit reports. They are also duplicated numerous times on my credit report. I would like to know how I go about fixing this problem. From my understanding all medical issues should not be on my credit.
I had short sold my home in XX/XX/XXXX. My mortgage company was Green Tree Financial. They reported to the credit bureaus as normal. Since then I have been rebuilding my credit and as of XX/XX/XXXX they are re-reporting my short sale on my credit under a new company name of Ditech. It is showing an {$88000.00} balance owed and they are reporting 30, 60, 90, 120 day late payments. This has brought my credit score down over XXXX points.
I need help trying to save my Home I been working on this since XX/XX/XXXX with the Lender and they still have not helped me. When I started this with them they told me not to make house payments till they got it worked we keep sending stuff back and forth they told me I don't understand what they are asking for so in XX/XX/XXXX I ask my friend to talk to them there still not helping and now put a sale date on my home XX/XX/XXXX We need and want to keep are home we been here 13 years paying for it We have a XXXX XXXX child that needs to stay in school here and the house is set up for him to live and get around my other son got a job this year to help pay the bills the state give us money for my XXXX  child and I am now working for time. We can pay for are home Please I beg of you help us save are family home .... 
XXXX Bless
Account was open on XX/XX/2014 I was late twice due to financial hardship and being unemployed. I have been current with my payments since then and they will not remove late payments stated it's against the law to remove reporting from credit bureaus and they can get in trouble with XXXX  XXXX and XXXX
I have been contacted over and over during the past three years for a debt I do n't owe. XXXX it was XXXX call, then a year later they started calling me ever few weeks, then XXXX or XXXX a week, and now they call me every single day, XXXX times a day. I have spoken to them on multiple occasions and they have been nothing but difficult. XXXX they absolutely refuse to say anything but " I 'm sorry you are not authorized '' as soon as they find out I do n't owe them money. XXXX they keep taking my name and phone number but it apparently does absolutely nothing. I have XXXX and this is not only very XXXX but I also have XXXX and their calls at XXXX are disrupting what little sleep I get.
I was affected by the recent Equifax hack. My personal information, including my Social Security number, address, full legal name, and driver 's license number was or may have been stolen. 

I checked through the site recommended by Equifax ( equifaxsecurity2017.com ) and was informed that I was affected by the hack. 

I was informed of this hack through traditional media outlets on XXXX XXXX 2017, months after Equifax knew the hack had occurred. Equifax kept this information from the public for as long as possible, and unknown amounts of damage may have occurred as a result.
As of today, XX/XX/XXXX I recently received an update from XXXX XXXX in regards to two new hard inquiries showing on my report from someone attempting to open an acct at XXXX as well as Capital One that I did not appprove on XX/XX/2018. I have contacted the companies and was provided with this website to follow through with the dispute. Im unsure of who the person was since my wallet has been lost/stolen since early XX/XX/2018.
On XXXX XXXX, a PayPal Credit account was open without my consent. A credit inquiry was made by PayPal credit with XXXX. Once I found out I immediately notified PayPal credit of the fraud and closed the account. I was told to fax in a letter explaining the situation and PayPal Credit would contact XXXX directly and have the inquiry removed. I faxed the letter and received a letter from PayPal that I need to contact XXXX myself. So I did so and XXXX informed me that PayPal must contact them directly, I can not resolve the issue alone. So I informed PayPal of this and again they told me to fax a letter explaining everything and they would handle it. I sent my XXXX fax to them and received the same letter as before saying that I must contact XXXX directly. I called PayPal again and spoke with a manager named XXXX XXXX she basically told me its my problem and they refuse to do anything for me.