WillisBack/dataset-financial-user-claim huggingface dataset:
In early XX/XX/XXXX [ 1 ], it has been reported that over 143 million customers ' information were improperly handled released by Equifax to hackers due to improper security steps taken to protect the information. 

Through checking the website provided by Equifax XXXX https : //www.equifaxsecurity2017.com/XXXX XXXX see if I was one of the affected, I was notified that I may be affected by this incident.
The Equifax website ( linked above ) indicated they are able to provide 1 year of identity theft protection, however, I feel that this large amount of information leaked about me will have lasting effects throughout the rest of my life. Also, according to this website, I can not even activate protection until later in September.
There is absolutely zero indication the recipients of this information will simply give up using this information after 1 year.
References : [ 1 ] http : //money.cnn.com/2017/09/08/technology/equifax-hack-qa/index.html? iid=EL
I have several unauthorized inquires on my credit report and I have never given access to my report to any of these company to pull my credit file in the business or pupose of doing business. I needed to file this report in order to have them removed. The following company are show on more than one of all 3 bureaus XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX.
I recently upgraded my XXXX Amex card to the XXXX XXXX   card, with the understanding that I was eligible to receive XXXX promotional points for meeting spend requirements within the first three months of the upgrade. I exceeded the soend requirements within a month of the upgrade. When I called to confirm, Amex initially told me that I should wait 6-8 weeks for the points to show, but that I was eligible to earn the points. After waiting as I was told, I have still not received my promotional points. When contacting Amex customer service, I was given the runaround and told that a ) no promotional bonus was attached to my account and b ) that I should wait another 6-8 weeks for the team to investigate. It has been over 10 weeks since the initial inquiry, and I still have not received my promotional points despite having hit all spend requirements and paid for all annual fees/payments on time.
I have contacted Equifax in regard to a hard inquiry on my credit from a XXXX, XXXX XXXX XXXX, XXXX MD XXXX. I have informed them that I did not authorize that they are reporting something incorrectly and that since I did not authorize this its is against the FCRA as it was not for employment, credit, insurance or court ordered and I do not know what this is for. They have refused to remove something that I have informed them is incorrect and have put it back on the company that pulled this.
Predatory Lending Practices : I have continuously asked that Capital One send me a monthly billing statement and or give me access to my account online to be able to view my account for about 3years straight and for some reason the bank has refused to honor my request. I have made payments blindly each month and yet can not see or know if payments are applied to my account. in addition, this bank will periodically send my account into foreclosure, forcing me to pay attorneys fees, and all kinds of charges trumped up to avoid my house being foreclosed. I am just fed up of the constant rip off. 
I acquired this loan through XXXX. However, the loan amount has increased by up to {$10000.00} within the short time that Capital One took over in late fees, Lawyers fees, and inspection fees like ( property inspection? ) ; a home i have owned for about 12years. However, it is worth pointing out that despite payments made on this loan, it never reduce by a {$1.00}, for 10yrs, but instead became more than the original borrowed amount. 

Last year, I became bankrupt. And even while in bankruptcy Capital One continued to charge interest on this Loan. My attorney and I have asked that Capital One reverse those chargers, and start sending me a monthly statement by mail, email, or even give me access to my account online ; yet Capital has refused to comply. 
Regards,
I applied for an auto loan, Td Auto Fina -- Inquiry from XX/XX/XXXX and the dealership shopped it to various lenders. I was told it would be only two different ones. I would like the rest of these removed XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX I Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX I applied for the The XXXX card I never heard from them in any way, shape, or form. It appeared on my credit report. XXXX Inquiry from XX/XX/XXXX 2017
I suspect that XXXX XXXX XXXX may be involved with the VA in obtaining the names and addresses of veterans to solicate VA loans. Other than the military only the VA knows I am a veteran but per a letter I got from New Day last week they seem to know it as well. I have never had a VA loan.
XXXX XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX.
An unauthorized amount of money {$170.00} was taken from my account and put in XXXX to a an unknown user, XXXX XXXX, at XXXX on XX/XX/18. My bank account has faced several security breaches in the past, including an unauthorized XXXX charge in XX/XX/2018, an unauthorized XXXX Charge in XX/XX/2018 totaling about {$20.00} each. As soon as I realized a huge sum of money was missing from my account I called Wells Fargo and asked them to freeze my account so the funds would not be transferred, and I explained to them that this transfer was not initiated by me, and must be a hack consistent with the other security breaches. They shut down that bank account completely and I opened a new one. However, they refused to freeze my funds or return the money to me, and said that through XXXX, payments can not be cancelled and that I must have authorized the transaction. I was in dire need of that money as a student and it was stolen from me. I have not had any new charges of fraud since opening this new bank account, so I believe my old one was just completely compromised and the final scam attempt was their big one. I feel duped and ashamed that the money I worked hard for at only XXXX years old was snatched from me. I called Wells Fargo and they said they could do nothing at all for me, and that if I wanted to file an appeal, it would be a complex process of scanning documents, a handwritten letter sent by post to California from my Florida address. I felt as if it was disingenuous and intentionally designed to discourage me. I did not have such resources. It is only in doing research recently that I realized I could file a grievance with the Consumer Finance Bureau, which I tried to do right away.
Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion FRIENDLY XXXX XX/XX/XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX Credit CardsXXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion
XXXX XXXX XXXX  has been paid in full with settlement offer they are still reporting that I owe {$590.00} when my balance is now {$0.00} they also said that they will remove it from my report. I have proof that it was paid off on XX/XX/2018.
I was trying to transfer XXXX  American Express membership rewards points to XXXX account on XX/XX/2018 but it wouldn't allow me to complete the transfer, indicating " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ''
I received documents from a local processor or server from MCM Midland Credit Management , Inc. also Midland Funding. All of these names or company names are on XXXX sheet of paper of the letter. It is for a debt that is being collected for XXXX, also XXXX XXXX XXXX Bank. I called and made arrangements for this account to be taken care of by allowing them to collect {$50.00} a month until the debt was paid. They have since taken out two months worth of payments. I received another set of paperwork, that is dated XXXX XXXX, 2015, and it states that I need to sign the documents and send them back, or " Failure to sign and return these documents will delay the settlement of your case and may result in the continuation of litigation. '' I called the office of this company and/or group of lawyers, as on the documents it lists XXXX names of attorney of which only XXXX signed? I am really confused, so I had my wife call to get information as to why I need to sign this after making arrangements two months ago and they have already agreed by taking payments out for the Months of XXXX and XXXX. When my wife called, the lady who answered was very rude and kept asking her if I was being represented by an attorney and my wife said she had consulted someone. The lady at this office would not transfer my wife to the account manager unless she answered her questions as to whether I had an attorney or if I was being consulted. My wife said, just transfer me to the account manager. The lady stated our account manager was " XXXX '', but she refused to transfer my wife to discuss the matter and find out what exactly to do and why. My wife was frustrated and hung up because the lady was rude and would not even let her finish her sentences. It 's impossible to deal with people who wo n't answer questions and explain details, therefore, why am I making an effort to pay a company that deals in this manner. I have made many arrangements and have successfully paid old debts, on time since our lives have come back together financially. I do n't feel I should have to deal with a " gate keeper '' in order to pay this debt or be insulted in order to do so.
The company has reported me as 30 days late on my credit. A payment plan was established days ago with the company in order to avoid this. I was told that as long as I pay by this Friday ( Tomorrow the XXXX ) that there will be no negative report on my credit. I attached the confirmation number for the payment for Friday.
XX/XX/2018 I contacted Network Capital Funding Corp. to cash out on a recently purchased duplex. The stated rate started out at 4.1 % then 4.25 % then 4.3 % I submitted all necessary documents, they pulled my credit and proceeded to give me a closing disclosure for 4.3 % I paid {$2800.00} in points to buy down the rate. The term was 15 years. After this on XX/XX/XXXX, I was told since my property was a duplex and I would not be living there the rate had to be increased to 4.75 % underwriting realized this and redid the rate but kept the term, 15 years. I agreed that I would not live in the property for 6 months so I understood the rate needed to be adjusted. At the same time I saw they had added escrow on my loan, which I had said from the beginning I did not want. They also, added taxes and insurance that I had already paid in full to this escrow. On XX/XX/XXXX, I locked in this 4.75 % rate. So, I requested when they send the next disclosure please be sure to take these escrow charges off. I received my new disclosure and we had the appraisal done and then made a date for closing XX/XX/XXXX. Then I was contacted by underwriting requesting more information, my insurance and tax proof of payment. Which I provided. At the same time underwriting asked me when was I moving into this duplex, I stated what I had said from the beginning, I have a lease in place and will have to move in XX/XX/XXXX. My loan officer then contacted me and said that since I would not be moving into the duplex for 6 months I had to have a rate increase to 5.75 % I reasoned with him that from the beginning of our conversations I had told him I have a duplex and I would not move in for 6 months. I reminded him that I thought the last rate increase from 4.3 % to 4.75 % was because this was not an owner occupied dwelling. He claims the first rate increase was because, he thought it was a single family home and would not generate income. But, all along in my emails and when talking with him he knew it was a duplex. Then he claims the second rate increase from 4.75 % to 5.75 % was because we were not going to live there. Again, I told him I have an email dated XX/XX/XXXX, stating I would not move into this dwelling for 6 months. This was well before I received any closing docs from Network Capital Funding.  Then I received the closing disclosure documents. Now, not only is my rate higher but the buy down points are higher and my terms had changed to a 30 year loan. Instead of {$5000.00} in closing costs now it was almost {$10000.00}. All the previous escrow fees had been placed back on the documents. My loan officer stated that it was his mistake he didn't know it was an income property and it was a mistake that they added the escrow back on but can this company make so many mistakes on one loan? Or am I being set up for a bait and switch? I have until XX/XX/XXXX to close and each time right before closing they ask for more information and readjust my rates, terms and fees. I have already paid for an appraisal and only want them to honor the lock in rate I have so that we can close.
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX, Texas XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX ( XXXX ), and XXXX, Equifax et, 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 conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.
Senex has been reporting on my credit reports that I owe {$30.00} for a medical account from 2010. I have sent them documentation that the original account holder failed to bill medicaid and showed them the eligibility of medicaid at that time. I have talked to Indiana Medicaid office and they told me what to send them but they still will not remove the debt off my credit report. I have sent them 3 letters asking for removal of account off my credit reports and all they send back is a letter telling me to pay this account when I dont owe them or XXXX XXXX Hospital.
On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # EQUIFAX-XXXX XXXX XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions.

*open dates are all conflicting *XXXX is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT
XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Loan was sold or transferred to Statebridge Mortgage. 
They are not providing accurate information about account. 
Shows I owe for two months when I have paid every month for 5yrs.
I HAVE NEVER, EVER HAD AN ACCOUNT WITH XXXX XXXX XXXX BANK. I HAVE NEVER HEARD OF THEM BEFORE. I NEVER OPENED AN ACCOUNT WITH THEM. I HAVE NO CLUE HOW THIS ACCOUNT SHOWED UP IN COLLECTIONS ON MY CREDIT REPORT WITH BOTH EQUIFAX AND XXXX XXXX. 
THANK YOU.
This took place in 2010 when I first moved to Arizona. I was playing with stepsister at pizza party climbing in XXXX gym and broke a few ribs. The emergency room Dr. never informed me I guess he did not except my insurance. So they could n't get money from me the XXXX time around when it was XXXX they sell it to another collection place and they want XXXX I live on a fixed income XXXX mo. how can I pay
Bay Area Receivables is a collection agency from the State of Maryland who is reporting two collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2018 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Bay Area Receivables is not a licensed collection agency in the State of Colorado. The address for Bay Area Receivables is XXXX XXXX XXXX XXXX, XXXX MD XXXX, telephone number is XXXX. 
XXXX.
TransUnion File # XXXX Date XX/XX/18 TransUnion has on my credit file Cash Advance Inquiries from cash advance companies in which I have not applied for or owe. TransUnion has yet to provide any proof of any document of any kind of me applying for a cash advance loan. TransUnion has committed fraud or sold my information with out my permission. TransUnion has not provided any proof of no kind and committing fraud under my name for cash advance loans inquiries.