WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax Confirmation Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Equifax regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Equifax received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Equifax provided me with the results of their reinvestigation on XX/XX/2018 stating " information disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' ( See attached copy of Equifax results of reinvestigation. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Equifax 's reinvestigation results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Equifax has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623.  Therefore, if Equifax does not immediately remove this account from my credit report, Equifax will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.
sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX
there are XXXX names and identification numbers associated with my credit have never lived in these XXXX addressed below XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ID # XXXX
A representative from the Asset Recovery Associates called me and claimed to be representing XXXX to collect a debt that they claim I still owe from XXXX. They threatened me with a lien, to seize bank accounts and sue me in court. I spoke with no less than XXXX different people. Together they provided zero proof that the debt ever existed and when questioned about how I was able to open the alleged account in XXXX when I would have been XXXX years old, they changed their story and blamed a computer glitch/data entry error. I watch my credit histories carefully and this account never appears on my reports - then or now. I do not owe this debt but ARA attempted to scare me so that I would agree to pay. They also disclosed my social security number over the phone without verifying the identity of the person answering the phone. This reckless practice puts me at risk for identify theft. They must have purchased my information from some organization.They offered to send proof of their claims about this alleged deliquent account to me via email ; I provided my email information but have n't received any information - its been over a week now. This company is engaging in illegal business practices and should be stopped.
On Saturday, XXXX XXXX, 2015 at exactly XXXX Pacific time I was trying to withdraw funds from my rushcard account using an XXXX XXXX XXXX XXXX XXXX ATM. When the money was supposed to be dispensed from the dispenser the dispenser malfunctioned and none of my funds were dispersed. I contacted the help desk for the ATM machine itself and was told by them to file a dispute with Rushcard and they would gladly return my funds to my card. I proceeded to contact Rush card member services and never got through to anyone after having made more than XXXX attempts. I finally got a hold of someone on Wednesday who told me they would escalate my issue and get back to me. The next day I called again and was told by a supervisor that they did not show that my issue had been escalated and would be escalating now. I called the next day and spoke with another supervisor who said they needed to get me over to the disputes department and I filed a dispute on this issue and was told to expect an email within 1 to 3 hours with the dispute form attached and to fill it out, sign it, and fax it in with the receipt from the ATM. After allowing a whole day to go by, I still have yet to see an email with the dispute form. I did the exact same thing the next day and was told the exact same thing and got exactly the same results as the day before. I still have yet to get help with getting my funds returned to me and I am fed up with this company and their lack of effectiveness. I mean we 're talking about almost {$500.00} I 'm out of because of their lack of help with my issue and all they had to do was dispute this issue from the start.
I have raised this issue for the past six months and every week for the Month of XXXX and have found that the Status is OPEN and should be UNKNOWN which is been reported as serious delinquent for the past 24 months that reflects XXXX points decrease in Equifax reporting company.
I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and XXXX, Transunion and XXXX has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with Transunion, XXXX and XXXX. According to XXXX XXXX monitoring credit and scores my Transunion credit scores is at XXXX, XXXX XXXX, and in my free membership with XXXX monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a XXXX Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX XXXX under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XX/XX/XXXX and XXXX , Texas Federal Judge Discharged on XX/XX/XXXX and as I view my credit report XXXX, Transunion and XXXX was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1.XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XX/XX/XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX  .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXXt .XX/XX/XXXX 6XXXX XXXX XXXX XXXX 7.XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  XXXX XXXX.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13XXXX XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX 18.XXXX  XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX 20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX 24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures
I had a foreclosure on XXXX 2013 with XXXX XXXX. That account is still open on my credit report and XXXX XXXX is now bankrupt.
XXXX Florida, XX/XX/XXXX The reason for this letter is as follows, my name is XXXX XXXX XXXX XXXX, Resident of the United States since XX/XX/XXXX. I came to this country with my own business, I have been in the XXXX business for 15 years and I can not operate because banks have closed my accounts and I am not accepted in banks. I used to have my business in XXXX and the XXXX XXXX and I have never had a problem. I have always paid my taxes and have been clear explaining and showing my business. I am contacting you guys to see if you can help/assist me in this situation since I have no other way of sustaining without having a bank account. 








Note : I have been denied business and personal accounts. 









Thank you in advance. 






XXXX XXXX XXXX XXXX XXXX Florida, XX/XX/XXXX The reason for this letter is as follows, my name is XXXX XXXX XXXX XXXX, Resident of the United States since XX/XX/XXXX. I came to this country with my own business, I have been in the XXXX business for 15 years and I can not operate because banks have closed my accounts and I am not accepted in banks. I used to have my business in XXXX and the XXXX XXXX and I have never had a problem. I have always paid my taxes and have been clear explaining and showing my business. I am contacting you guys to see if you can help/assist me in this situation since I have no other way of sustaining without having a bank account. 








Note : I have been denied business and personal accounts. 









Thank you in advance. 






XXXX XXXX XXXX XXXX XXXX Florida, XXXX de XX/XX/XXXX The reason for this letter is as follows, my name is XXXX XXXX XXXX XXXX, Resident of the United States since XXXX. I came to this country with my own business, I have been in the XXXX  business for 15 years and I can not operate because banks have closed my accounts and I am not accepted in banks. I used to have my business in XXXX and the XXXX XXXX and I have never had a problem. I have always paid my taxes and have been clear explaining and showing my business. I am contacting you guys to see if you can help/assist me in this situation since I have no other way of sustaining without having a bank account. 








Note : I have been denied business and personal accounts. 









Thank you in advance. 






XXXX XXXX XXXX XXXX XXXX Florida, XXXX de XX/XX/XXXX The reason for this letter is as follows, my name is XXXX XXXX XXXX XXXX, Resident of the United States since XXXX. I came to this country with my own business, I have been in the XXXX  business for 15 years and I can not operate because banks have closed my accounts and I am not accepted in banks. I used to have my business in XXXX and the XXXX XXXX and I have never had a problem. I have always paid my taxes and have been clear explaining and showing my business. I am contacting you guys to see if you can help/assist me in this situation since I have no other way of sustaining without having a bank account. 








Note : I have been denied business and personal accounts. 









Thank you in advance. 






XXXX XXXX XXXX XXXX
On XX/XX/2018 I sent money through moneygram to my uncle XXXX XXXX that resides in XXXX XXXX XXXX.I gave my uncle the reference number so he can collects the fund at moneygram store in XXXX. Armed with his identification card my uncle was refused to collect the money unless he called moneygram HQ in the XXXX. 
When I was informed I called moneygram to request a cancellation of my transaction and requested a refund. Moneygram stated they can not issue me a refund and my uncle in XXXX XXXX has to call them even my uncle does not speak english. 
My uncle contacted a translator, called, and moneygram decided not to release the funds to my uncle. 
After multiple attempts of my part moneygram refuses to refund me.
On XX/XX/XXXX I also Sent Equifax to remove the incorrect addresses on my credit profile. 
They have failed to do so.
Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate. 

I would like your help. 

Thanks very much XXXX
The XXXX lady tried to stuff 2 products on me! A former XXXX director and mark up 2pts on me! Soon to be charge back after I refi in 20 days! That 's bad business! One thing I never did! Stuffing customers and not actually selling the products! Worse experience ever!!! Know your personnel! And your customers XXXX XXXX was the finance Mgr XXXX XXXX XXXX XXXX automotive group
I was a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
XX/XX/2018 money form my bank account were stolen. It was 3 transactions. Full amount was XXXX dollars. XX/XX/2018 I called Bank of America and they created fraud claim and put account on hold. They said it takes 60 days for investigation. Today is XX/XX/XXXX and I call them almost every day. They only thing they say is I have to wait. Could you help me with this situation please. Thank you
A some point in my XXXX year marriage my wife opened credit cards for herself using herself as primary signing for them, and then adding me as secondary without my knowledge or signature. I never received cards, statements, or used these accounts. We are now separated and going through XXXX and she has been been delinquent on accounts purposely to ruin my credit, which she has XXXX to a XXXX FICO in XXXX months, and I am being told no one can help me. She has bank accounts with XXXX plus, so paying XXXX was no issue. 

I have always paid every thing on time and early, and have as many as XXXX vehicles paid for in full over the past XXXX years. I own my home out right, and never am late on bills, taxes or utilities, but now I ca n't get a credit card, or apply for loans because she let a {$650.00} balance go two months late to Kohls Department Store. When I disputed to XXXX and XXXX they reviewed and then deducted and additional XXXX points from my credit!!!! For disputing it?? This is crazy.
My dad passed away in XXXX 2014. I had all of his mail sent to my home. When I started receiving his bills and debts, I wrote to each company, supplying them with a copy of the death certificate. Every company sent condolences and confirmed that each account had been closed/written off, Except Capitol One. I have received numerous harassing phone calls and letters stating that the balance must be paid ... .which continues to increase due to past due fees and interest. I have talked with many different people, each one apologizing, saying that this issue will be taken care of. I am still getting the letters and the phone calls. I do n't know what else to do. Please help.
My path to filing bankruptcy began in XX/XX/XXXX when the economy crashed and I lost a high paying XXXX XXXX in XXXX XXXX XXXX. At that time, I was keeping two households as I owned a home that was mortgaged, and also kept and paid for a second property ( rental ) in the area where I worked. As a result of job loss, economic downturn, and difficulty in finding a suitable replacement to provide the income needed to support both, I fell behind on the mortgage payments. My credit was destroyed by lack of income needed to maintain the level of income I had become accustomed to utilizing. After 4 years of struggle and nearing financial ruin and homelessness, I moved into my fathers home to provide care for him in the final years of his life. As all of this was happening, and I was still unable to earn substantial income and my efforts to restructure my mortgage were basically ignored and dismissed by my mortgage company, they began foreclosure proceedings in mid year of XX/XX/XXXX. It was at this time, in desperation I filed for bankruptcy with no more intention of following through with the process than just attempting to delay the inevitable final blow to my situation and to my psyche. I was finally beaten into submission, or so it seemed. As the process seemed so daunting and basically frivolous, I just gave up without ever following through and withdrew before the BK could complete the process and went into myself and lived a quiet seclusion in shame for the next several years. In retrospect, it was by far a stupid and senseless effort. As time has passed, I have begun to crawl out from under the pressure and shame the whole process has caused for me. If this were no longer a part of my story, it would be an incredible opportunity for which I would be extremely grateful. The bankruptcy filing was with Chase Mortgage and the mortgage itself began with Washington Mutual, which is no longer in existence as it was bought out by Chase Bank. At the time of filing, the mortgage was the one and only reason for filing, and it was a delay tactic which really didn't have a positive outcome. The credit annihilation that has been a result of all the above, is not something I am proud of or wish to ever endure again. This shouldn't be showing up on my Public record because i never truly followed through with a Bk and don't have one in existence.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach inXX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach and covering the cost of any fraud that this may cause. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I have a home mortgage with ocwen loan services llc. I make my payments with no problems they are always on time and even early. they keep sending my payments back and not any reason with it. now i have received notice telling me i am 351 days past due and threatening to take my home away. i have all my checks that have been sent out. my husband is a XXXX XXXX veteran who has passed away. i maintain all payments for the estate of my husband. i have had help from other friends and been told this company is XXXX that is into stealing seniors homes by not taking their payments to force a foreclosure on the home. as a XXXX veterans wife i feel that i should be able to get help quickly before they force me out on to the street. i am XXXX yrs old and have several XXXX issues and can not keep going through this stress i am also contacting the governor of Florida for his support in this matter. please can you help me to save my home.
I felt I was deceived by the college and the loan lender on what these loans would end up being with interest. There was no truth in lending and original amount of {$16000.00} in students loans is now over $ 60K in loans and interest. I graduated in XX/XX/XXXX and this has been over my head for 21 years. THe University promised employment after graduation, they never helped with that. I have continual health problems and have had to defer payments multiple times.
I am filing this complaint because XXXX, Experian and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
Thank You
I am the victim of identity theft. I have sent XXXX XXXX certified mail, return receipt mailings, asking them to provide proof that this is my debt, such as my signature and to date, they have not responded. Also, I am providing a partial copy of my Equifax credit report, showing that a payment has been made on the account on XX/XX/2017 AFTER the account has been charged off. Under the FCRA 605 ( c ), this is a violation of my rights by trying to " re-age '' this account by falsely updating the last date of activity on my credit report in order to keep reporting the negative information longer. I did not make a payment on this account. and want this unverified account removed immediately from all of my credit reports.
I am outraged that Experian is using their recent security breach as an opportunity to market credit protection services to me. If they are so sloppy and careless about protecting consumers data, why should I trust them to provide a value added service? Have they already been selling consumers identity information to criminals? Are they planning to compromise the information of the XXXX milliion XXXX consumers who do n't pay the ransom? Please begin an immediate investigation into Experian and prosecute any and all executives involved on criminal activity or conspiracy.
sending this complaint is student & Mother & Father ( divorced ) We applied with a 1 page promissory note to XXXX XXXX, for a $ XXXX XXXX XXXX program, which would be accomplished in 2 yrs or less, and the amount determined to stay in the " dorm '' setting was $ XXXX. We received no hard copies, no totals, no interest amounts in the document sent online to sign.. for the private portion of the loan done by Discover Student loans. We did receive these details on the stafford portion. Both stafford and private loans were rolled together and shortly after graduation we received notice of the loans balance- near $ 120K.  Because divorced parents had not communicated with one another, each parent assumed the other had received these documents/ info. Upon learning neither did, we believe we have been defrauded. We sought an attorney. 8 letters were sent like the one we provide here requesting proper promissory notes. But no response was given. Many calls were made and no one with authority to discuss the issue of no loan documents where the totals/interest/terms etc were signed. When the attorney finally did speak with someone in charge, after almost a year, and significant legal fees, he was told they had no intention of providing this and the loan was being sent to collections. Other false promises such as the " XXXX XXXX '' being respected as if from an accredited college were made. Job searches reveal it is not recognized as anything but a trade school, & the degree hasn't been useful.