WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Account Number : XXXX EQUIFAX REFUSAL TO BLOCK FALSE CREDIT REPORTING INFORMATION FROM CREDIT REPORT AFTER IDENTITY THEFT XXXX SENT TO THEM XX/XX/XXXX AND XX/XX/XXXX To Management : I filed an Identity Theft XXXX ( complete with Police Report ) and sent a copy to the Equifax onXX/XX/XXXX. I also sent a follow up on XX/XX/XXXX requesting they block the following information, the subject of the Identity Theft XXXX : XXXX XXXX XXXX ( allegedly ) Date Assigned : XX/XX/XXXX ( allegedly ) Account Number : XXXX ( allegedly ) Creditor Name : XXXX XXXX XXXX XXXX ( allegedly ) All of the required documents were included in the Block request which was sent to Equifax, including A copy of the page from my Equifax credit report, Confirmation # XXXX, with the fraudulent items circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. <P/>I also informed them that it is illegal for them to continue to report the information when an Identity Theft XXXX ( and filed with a law enforcement officer ) has been provided along with a request to block the information. <P/>Since the consumer did not have a contractual, commercial relationship with the XXXX system and Equifax, Equifax can not accurately transmit information about the consumer ( XXXX XXXX ) concerning this alleged account belonging to her allegedly. Any inaccurate reporting is a violation of the consumers Privacy rights. The XXXX  Terms and Conditions state that the information reported must be accurately and completely reported. <P/>Equifax has no way of proving that the consumer ( XXXX XXXX ) was ever extended any credit creating a debt ( as defined in 15 USC 1692a 803. Definitions ) by XXXX XXXX XXXX, and therefore is violating the law when they report inacurate and incomplete information via the XXXX system, especially by refusing the block the inaccurate and false information when an Identity Theft XXXX and subsequent Block request were provided to them in full. <P/>Be advised that this complaint ( and Identity Theft XXXX filed ) is specifically related to Account Number : XXXX NOTE : CFPB is only authorized to utilize my credit report ONLY for the purposes of investigating this complaint, and for the above referenced alleged account only. This consent expires 60 days from the date this Complaint is submitted. <P/>I REQUIRE A COPY OF THE CREDIT REPORT OBTAINED BY CFPB FROM EQUIFAX TO BE SENT TO ME AT THE FOLLOWING EMAIL ADDRESS : XXXX With Reservation of Rights, Without Recourse : XXXX XXXX
Synchrony Financial checked my credit without my authorization. On XX/XX/2017, I sent them a letter on requesting they remove it. Their response was to send them a current copy of my credit report and they will contact me.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX, TX XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Attachment of the credit Report
I had XXXX private student loans for daughter to attained XXXX that was a private school. Both loans were in my bankruptcy I file in XXXX. My attorney told me to keep paying on the loans anyway he thought it was a mistake but it was n't. After discharge the loans were closed for lesser amounts in XXXX. Sallie Mae never sent me a letter or contacted me to tell the loans were closed. I continued to pay on the loans for over 2 years and three months after they were closed. Also they did not apply any of my payments during the 5 years of the bankruptcy or the two years and three months after the discharge I paid toward the loans. I have called them five times about getting my money back. They have told me that they put the payments back into my bank account but they did not and said I would get a letter in three weeks that I never received. Call back six weeks later and was told it was in the audit department for review and it would other three weeks and never heard from them. I called again in six weeks and was told it was still in the audit department. Six more weeks I called again and now they are saying I never have had a loan with them. I called them again around XXXX/XXXX/16 and now they are saying I did have the loans and they were transferred to XXXX. XXXX said no they never had the loans and Sallie Mae has them. Now they are pointing the fingers at each other. All I know and have told them that all the checks are stamped deposit by Sallie Mae. They either owe me {$11000.00} I paid them during my bankruptcy plus {$5000.00} I paid after they closed my loans. But I do know they owe me over {$5000.00} or all the payment I made after they closed the loans. I have all my bank statements and the checks they deposited into there account from day one. They have also listed the loans as being in bankruptcy and closed in my credit report. XXXX of credit reports have removed them XXXX stills has it listed.
I contacted Equifax to dispute an unauthorized inquiry from XXXX. Equifax refused to dispute and after a complaint against XXXX, XXXX indicated they sent a letter to Equifax to remove the inquiry and it still has n't been removed. I attached the letter.
I received a billing statement on XX/XX/XXXX about my loan coming back into repayment. I then received an email today, XX/XX/XXXX, stating that I had a past due balance on my loan. When I looked at the billing statement from XX/XX/XXXX, I did have an {$84.00} past due amount. However, the statement received on XX/XX/XXXX was the first communication I have received from them regarding my loan since XX/XX/XXXX. ( This is reflected on my online account as well. ) Additionally, I did not receive a single phone call or email regarding the past due amount. However, my mom ( my co-signer ) has received north of 6 calls per day regarding this past due amount. When I called to receive information about this past due amount, all the customer service representative said they could do was notate my account. I then confirmed that my phone number is listed on my account and I requested that they remove my mom 's information so she stops receiving calls. I was told they are unable to remove my mom 's information without her approval. Additionally, I submitted an online payment for the past due amount at XXXX this morning, but my mom has still continued to get calls. When I spoke to the representative, he had no knowledge of my payment until he dug around the account a little bit. If a payment has been submitted, all debt collecting attempts should cease immediately. 
I work for a mortgage company and deal with CFPB compliance every day so I understand what constitutes as a violation and not sending me a billing statement or contacting me regarding a missed payment is 100 % a violation. I 'm not sure what can be done to rectify this situation, but something needs to be done. I 'm sure I 'm not the only borrower this happens to. 
Please remove my mom 's contact information from my account IMMEDIATELY. Being the main, direct borrower on the loan, I should have access to any account information that I need and should be able to request any updates to the account.
On XX/XX/2017 a balance of {$400.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Around the end of XXXX beginning of XXXX As all inquiries were removed from my TransUnion credit report. However upon rechecking my credit report I currently have multiple credit inquiries where there should only be XXXX that I recently acquired. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX
Equifax Security Breach of 2017. Consumers were notified of this on X/X/2017 even though Equifax knew this information since XX/XX/XXXX. Unethical business practice.
Barclaycard - MasterCardThey decided to close my credit card for lack inactivity without any notification. 

Letter mailed XX/XX/XXXX - according to them they mailed a letter notifying me that the account is closed. 

XXXX 2014 - Account was establishedI would have happily bought some toothpaste or soda can with their credit card to keep it active. However, they closed the account without any notification or communication. 
In my opinion, this is a denial of credit is illegal and a violation of Frank-Dodd Act. 
I would even argue this is racially motivated.
I received a bill from XXXX XXXX for my XXXX XXXX  credit card. The amount was XXXX. At the end of XX/XX/XXXX I mailed in a check for the amount of XXXX along with the payment stub. On XX/XX/XXXX it was sent through my account and XXXX was deducted. Then on XX/XX/XXXX the paper check came through my account and another XXXX was deducted. I called my financial institution on the XX/XX/XXXX. They credited my account, but on the XX/XX/XXXX they debited my account because they said XXXX had to fix it. So I have spoken with XXXX on several occasions but they still have not given me my money. Now I am so stressed about this it is causing me to shake. Please help me.
A car dealer ship owed me a check for {$710.00} as part of buying a car. The check from them to me was issued on XX/XX/XXXX. I never received the check, yet it was cashed on XX/XX/XXXX. I saw the cancelled check and it was stamped in the endorsement area for a locked bag with a Wells Fargo account number. My name and address were on the check so it was made to me but someone else deposited the check. 
I contacted Wells Fargo and they confirmed it was not my name on the account which the check was deposited and that there are no accounts with my SSN at Wells Fargo. So there is no way this check should have been deposited into someone else 's account. 

Wells Fargo said I needed to call my car dealer and that they would have to have their bank refund the money into the car dealer 's account. 

I called the dealer and they had their bank, XXXXXX/XX/XXXX, initiate this process. Wells Fargo said they would return the money but it would take 60-90 days. 

So the dealer will not give me the money they contractually owe me till Well Fargo give the money bank to XX/XX/XXXX. 

To hold this money hostage for 60-90 days after they made a mistake in depositing this check into someone else 's account is ridiculous. I do not know whose account it is to figure out how they got the check and this has all made me frustrated. 

It has lead me to complain to the XX/XX/XXXX for the car dealer for breach of contract and to their corporate office. I also want to make sure Wells Fargo is held accountable in all this and they put the appropriate controls in place to prevent this, and adjust their policies to refunding the money faster than 60-90s when they do make this mistake.
I have been a paying member of Experian since XXXX, paying more than {$20.00} per month for that period, for a total of approximately {$1000.00}. This was a result of signing up for the " free '' credit report, and failing to monitor the ongoing fees. This is my oversight. On XXXX XXXX XXXX I discovered this issue and acted to cancel my account. I called Experian to cancel, and was told that I would have access to my account for the duration of XXXX XXXX. The representative refunded me the amount of 1 month 's fee. Ten minutes later I logged in to my account to download my credit report. Since I paid {$1000.00} dollars to Experian, and I was told that I would have access to the account through XXXX XXXX, I chose to obtain a copy of my current credit report. Once I logged in I discovered that my account was locked. I called Experian and was told that the account was locked because I closed the account and received a month 's refund, and they refused to send me a copy of my credit report. The phone representative and her supervisor XXXX acknowledged that I had paid {$1000.00} to Experian, the call timing ( the call being approximately 15 minutes after the previous call to close the account ), and the fact that the first phone representative told me the account would be open for the entire month. Yet I am denied a copy of the report because of company policy - once the account is closed, no access. This is capricious and rigid. I have been a paying customer for 5 years. I was provided guidance by the company representative that is wrong, yet I am punished for the incorrect information. The representative and the supervisor were both unwilling to make remediation : send me a credit report. This is highly disappointing and unreasonable. 
Lesson learned : do not, under any circumstance, contract with Experian.
I am still being ignored by Shellpoint!
Shellpoint just contacted me and now that they are removing the forced
placed insurance I never needed in the XXXX place they are saying
they instead need a "cushion" in my escrow which allows them to steal
an additional XXXX a month added to my mortgage payment.
This is theft and I expect someone to contact them to resolve this,
it's frustrating and I'm spending alot of my time trying to resolve
this and now its a different scheme to take money from me.
Can you understand how annoying and frustrating this is.

I started with a new modified loan in 2013 with a payment of XXXX which
always included my escrow payment, and I never missed one payment NOW
THEY ARE SAYING MY ESCROW IS SHORT! How can it be short I never missed
a payment! STOP THIS THEFT NOW!!!!
please step in CFPB and stop this abuse i'm sure i'm not the  only one affected. Shellpoing makes it difficult to deal with they always ignore my emails I'm losing hope getting a resolution with Shellpoint because they continue to ignore my concern
There is no way my escrow is that short XXXX short! No! I expect my payment to go back to it's original amount.
Why is my payment going up?
In fact I think my payment should be going down because I think think my property taxes have increased.
Shellpoint owes me a refund check for the over XXXX they have stolen in fake insurance payments that I never needed since my property was insured already which I proved to them.
So I expect a refund and my payment to go back to its original amount of XXXX a month.
It was a struggle to get my loan mod and I have in good faith made every single payment on time and now this! It's frustrating please CFPB step in and protect us from these servicer abuses, I feel violated.
I have asked XXXX, Transunion, and XXXX for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it from my credit reports.
I am unable to pay the full payment amount which is $ XXXX+ per a month for my student loan. I called Loan Science to set up a reduced payment plan. They are only able to offer me a reduced payment plan of {$360.00}. I advised that I am unable to pay that amount. I am only able to afford to pay {$200.00} per a month. They told me that there is nothing that they can offer me right now. But, to check back with them at a later date to see if they have any new programs. I told them that I was trying to set up the {$200.00} payment plan before I received a late payment on my credit report or before the loan went into default. They then told me that once my payment becomes more delinquent they will have other programs that they possibly can offer me for a reduced payment plan. But, why ca n't they just set it up now - why do I have to wait until I have a late payment on my credit report or my account is in severe delinquent status before they will adjust my payment amount. They 've done it before, but only after they dinged me on my credit report for XXXX days late - why do I have to have my credit destroyed before they 're willing to reduce my payment when they could set it up now and I could avoid dings on my credit. That seems wrong to me.
it was rent they said I owed, I paid amount of XXXX which I paid in two payments, which they I would be reported if not paid, this was in 2014, they did take out the correct one.i saw now they have someone elses debt showing on my XXXX and XXXX report showing I owed them such a big amount of XXXX. I call spoke to a guy call XXXX, he found it was wrong and it still shows. I need this corrected. I am so embarrassed, I been tryong to correct this. I don't get any where with them. The co- I Q DATA INTERNATIONAL, XXXX XXXX XXXX, XXXX XXXX WA XXXX XXXX # XXXX. PLEASE I NEED THIS CORRECTED. I hope you can help me. thank you.
I have an case on finacial production case XXXX and now us bank charge me overdraft fee {$39.00} for being overdrawn because of XXXX being unauthorized and now this bank will refund me. I have alerts on my checking account and this time my account was overdrawness on XX/XX/2017 and my alerts notify me on XXXX and because I made a deposit on XXXX on XXXX was charge XXXX. And they now telling me email alerts going out 24 hours and I should set up the alerts by text message this is wrong.
I have been a victim of Scam Call who posed as a Law Enforcement Officer and scammed me of {$10000.00} in the form of XXXX Gift Card.  Within few hours of sending the information to the scammer, I realized it is a scam and immediately called the bank to stop the transaction. The bank said they can not stop the transaction unless the merchant can stop it on their end. I called the merchant and they said they can not do anything unless the bank files a fraud complaint.I called the bank again to file a fraud complaint and after several calls and many hours of hold, the bank declined to file a fraud complaint. The bank said the fraud complaint will be declined and they don't think filing a complaint will be efficient use of their time. In spite of immediate actions after finding out about the scam, I am rendered helpless in stopping this scam from taking place because nor the bank or the merchant are ready to assist me in anyway.
I keep getting phone calls from  XXXX   XXXX   XXXX   XXXX . They claim that they are attempting to collect a payment for my pay-pal account. I have told them that I do not have, nor have I ever had, a pay-pal account. I have asked them to send me written copies of anything related to this account. They refuse to do anything unless I provide them with my social security number, which I will not do.
Account Name XXXX XXXX XXXX XXXX Account # XXXX Account is over 7 years old and should be removed from Experian.
I paid XXXX dollars to an international merchant on XXXX XXXX 2016. I had enough money on the card to pay the merchant. I made the payment and the merchant received it, plus I used XXXX with the card. I do n't have any extra money in the XXXX account either. All the money is on the prepaid debit card. Two days later I receive a text message from netspend ( card company ) saying I had insufficient funds to pay the merchant. I asked the merchant several times if he received payment. He confirms that he did and sent my merchandise. I called the card company 4/5 times in the past weeks and they have no history of the transaction nor do they have a reason as why this might 've happened. Today on XXXX XXXX 2016 I reloaded the card with {$40.00} to buy something else. I get a text message instantly saying that I have paid the merchant that already sent my merchandise. So the money I just loaded onto the card was automatically taken out. Once again I contacted the merchant and he confirmed once again that he only received XXXX payment. I spoke to XXXX agents from netspend and they said they will put the XXXX dollars back no later than 6 hours. This was at XXXX time and it is now XXXX time. I made sure there was enough money for this transaction and I feel that I 'm getting scammed. Please resolve this issue as you see fit.
From what I can tell, someone is selling my information to fake debt collecting companies. These companies then proceed to call with threats of impeding arrest, and demands for immediate payment with no written correspondence. 

They are calling my parents threatening that I need to call them else they will hand deliver warrants at the home or that I need to schedule time at my place of work and have both my manager and security personnel present for document deliveries. All these actions are harassing and breaking the law as I understand the Fair debt reporting and collection act. The latest company is calling from multiple numbers from Rhode Island.
Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.