WillisBack/dataset-financial-user-claim huggingface dataset:
This is just an ongoing event with Equifax concerning the removal of address 's that I have stated many times via this portal, certified mail or even fax. I have submitted my utility bill, Drivers License, social security card, Police Report and now I am being requested once again from Equifax to submit a statement that the address 's do n't belong to me, a police report and now they have added a FTC affidavit which I have attached to this portal along with everything else. I have been disputing this information since XXXX/XXXX/15 and they have outright refused to removed all of the disputed information especially with the mountain load of supporting documentation that I have sent them. I have received letter after letter stating we will have to have the furnisher verify this information first before we can remove it. Your furnisher is the reason why the information is reported incorrectly and I have submitted many documents showing your Reporting agency that it is wrong and to make it right. I am the victim of Identity theft that is why I put a fraud alert on all my credit reports and reported this to the XXXX Police station. By Law Equifax your suppose to block and or delete the fraudulent information from my credit file within four days but as of today XXXX months since I first disputed you have done nothing but verify that those address ; s must stay due to your furnisher verifying the address 's and the wrong variations of my name. Your all wrong and I want the items corrected immediately. Here is the information that I am disputing once again : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXAttn : Consumer Dispute Dept. 

RE : SS # XXXXTo Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Equifax to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
Credit Karma promised free credit score. But apparently, they have been giving me totally off score and rather focus more on selling me new credit cards and services I don't need. 

Only until recently when I need to apply for a mortgage that I figure out my score has been and always been 90 points higher than what they report. 
And this is not a timing issue since they have been showing me at 620-630 for 4+ months. The actual score I got from the credit report pulled by mortgage lender is XXXX. 

I want to report this claimed to be a free service and rather a marketing company trying to make money off avg. customers like me.
XXXX XXXX Bank XXXX XXXX As per the Florida statue : 95.11 ( Title VIII Chapter 95 section 11 ) the statue of limitations for collections of this debt has expired. Please immediately remove evidence of any outstanding debt owed from my credit report.
I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted Equifax,   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      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 / XXXX / XXXX
In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that XXXX XXXX had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted XXXX XXXX to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. 

XXXX XXXX customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. 

There are also articles online where XXXX XXXX admits having issues with their payment system when they updgraded in XX/XX/XXXX.

I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. 

Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. 

I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.
I received an invitation to participate in a streamlined XXXX refinance through Wells Fargo Bank in their XXXX Step Refinance Program dated XXXX XXXX, 2016. I contacted the representative, XXXX XXXX and spoke to him about the details of the program. I gave XXXX all of the necessary information in order to start the refinance and spoke to the mortgage processor, XXXX XXXX the following day, XXXX XXXX, 2016. She emailed me the borrowers authorization on that day and my wife and I signed it on Thursday, XXXX XXXX and I scanned and emailed it back to her on Friday, XXXX XXXX, 2016. XXXX had promised to contact me at least once per week by cell phopne or email and keep me in the loop about loan progress. She never called me even once and kept us in the dark about the loan process. She never acknowledged receipt of the signed borrowers authorization or any other documents that I sent her, even though I emailed her several times and called and left messages several times. I finally complained to the loan officer, XXXX XXXX and he promised to fix the issues and get XXXX to communicate with us. That didn`t occur and I continued to call her until I got her on the phone. She never informed me that she didn`t receive the borrowers authorization and only spoke about proof of address. 
XXXX XXXX attempted to resolve the issues but informed me that XXXX XXXX did not respond to him either, but finally on XXXX XXXX was able to contact XXXX and determine that the borrowers authorization was missing and again my XXXX XXXX invoice proving occupancy was needed. I immediately emailed him the signed and dated borrowers authorization and XXXX XXXX invoice clearly proving that we live at the residence to be refinanced. After further complaints to XXXX XXXX and urging him to move this loan process along, XXXX XXXX contacted me by phone this afternoon and asked the same questions that had previously been answered to XXXX XXXX, the loan officer last week. 
I asked her about the XXXX and when we could expect them to be completed and about whether or not the loan would close in late XXXX. XXXX stated that since she hadn`t received the borrowers authorization until last Friday, she doubted that the loan would close in XXXX. She has completely failed to do her job ; never followed-up with me ; never replied to my emails and never acknowledged receipt of various documents that I have sent her by email. She had demonstrated her total lack of competency, her indifference and her inability to process our loan appropriately. I am confident that this is not the XXXX or last client that has been negatively affected by her lack of care and competency and blame Wells Fargo Bank for lack of supervision, lack of proper training and unwillingness to terminate ineffective and poor employees who harm their clients and customers.
I am in the process of refinancing and the Mortgage Company will not release the payoff info to the Title Company. The Title Company has been requesting the info since XXXX. They followed up once and then reached out to me for assistance. This is the second problem I have had with this company, ref complaint # XXXX. I have missed XXXX deadlines to conform with a court order due to errors and delays on the mortgage company 's behalf.
My neighbor received a call from XXXX XXXX asking for me and left her number for a return call. I have no idea how this person got my neighbors phone number, we have never listed this number on any documentation. I called and spoke to XXXX XXXX and she said she was with GC Services and was calling for an Illinois debt. I am not sure what this is in reference to but I want action to be taken against XXXX XXXX and GC Services.
On XX/XX/2018, I noticed an unauthorized check had been paid from my Citizens Bank checking account. The check in the amount of {$390.00} was paid to " XXXX XXXX XXXX XXXX '', and was cashed or deposited at XXXX XXXX XXXX  XXXX. 
I have never heard of or done any business with " XXXX XXXX XXXX XXXX '' I called Citizens bank 's fraud department to report. The fraud department told me they would investigate, I would receive something in the mail to sign and return, and that I should close the account so no further charges could be made on it. I went to the bank to close the account immediately. Since the account was overdrawn due to the fraudulent check, I was not able to close the account, but asked the bank to make it a deposit only account. On XX/XX/XXXX, additional overdraft charges appeared on the account. I called the bank and they said that no hold, or change to the account had been made. This despite my going to a branch office in person to get that done. 
One week after that, I called to ask again about the status of the fraud investigation and the papers I was told I would receive ( but did not ). After being on hold for a while, I was told it was still being investigated and they had no new information. 
On XX/XX/XXXX, I called again, and was told it was still being investigated. The representative said the bank where the check was deposited had not responded to the inquiry from Citizens. 
Two days after that, I received a debt collection letter from Citizens bank regarding the overdrawn account. Receiving a debt collection letter make me believe that Citizens is not investigating the fraudulent check, and the bank may not  even be aware of the issue.
I received a promotional offer stating that if I used my credit card on any 5 purchases that total {$100.00} from XX/XX/XXXX-XX/XX/XXXX, I would receive a {$10.00} bonus as a statement credit ( within 90 days after the end of the promotion ). 

I made 5 purchases from XX/XX/XXXX-XX/XX/XXXX totaling {$110.00}. 

I waited until XX/XX/XXXX ... .when I should have seen the credit, as XX/XX/XXXX was 90 days. Then I waited for a statement or 2 more ... .no credit. 

On XX/XX/XXXX I called the bank issuing the credit card and spoke to XXXX, describing the situation to him. He reviewed my account and agreed I should have gotten the {$10.00} credit. He said someone would call me back within 3 days. 

No one ever called and I still have not gotten the credit.
Due to XXXX XXXX keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until Experian sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED XXXX credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. XXXX XXXX denies any further fraud after their investigations. I will forward copies of all of it to CFPB.
I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed XXXX  XXXX via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.
XXXX Initial correspondence sent to Credit reporting agency XXXX XXXX XXXX XXXX Transunion XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.
Hello, I had two late payments on my Capital One Buy Power Card back in XX/XX/XXXX when I was going through some financial difficulty. I made the payments as fast as I could, within 60 days. These two late  payments are now hurting my credit when I apply for a mortgage. I called the company and spoke with a manager but they are being unreasonable and will not help me with a goodwill adjustment on my credit report. I have made on-time payments ever since XX/XX/XXXX and I recently paid my balance in full. Please help me remove these two late payments from XX/XX/XXXX and XX/XX/XXXX. 

Thank you! 

XXXX
XXXX XXXX XXXX Bankruptcy cas no XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX la XXXX date XX/XX/XXXX My complaint is with Experian and XXXX credit bureaus the problem is Experian and XXXX   are reporting information they obtained from a third party. That not report accurate ( XXXX, pacer XXXX XXXX XXXX, ( XXXX, XXXX XXXX, I contact these company to freeze the account. I disputed the information of the bankruptcy with Experian and XXXX, I have supporting documents to support the information. The US BANKRUPTCY COURT dose not report to Experian and XXXX they refused to remove the reporting bankruptcy. this is violation of credit reporting third party, Disputed this information this month XX/XX/XXXX XXXX attachment thank you your assistant sincerely XXXX XXXX XXXX
I have been notified that my personal information, along with the information of 148 million other consumers has been mishandled by Equifax, allowing it to be stolen from their data storage devices.
I have been contacted multiple times by a collection agency that goes by XXXX separate names ; XXXX XXXX XXXX & XXXX XXXX XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX
tried to set up free monitoring with Trusted ID that is being offered due to Euifax security breech. Had a problem trying to do this online and contacted Equifax. They explained that they were having a issue with my web browser and a few others and referred me to a number for Trusted ID. Called that number and was given another number and the loop began. The final answer is that no one can or is willing to assist consumers like myself who ca n't register for this FREE service this is only needed due to a problem that Equifax created.
After reviewing my credit report ( s ), I was surprised that Convergent was reporting an alleged debt with XXXX, which I had previously disputed with XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to XXXX, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding XXXX XXXX XXXX XXXX.
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I've disputed several accounts with XXXX  and even provided police report and ID Theft affidavit to help resolve the issue and XXXX  has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3 .WF XXXX Account # XXXX
I have a loan with OCWENLOANS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and OCWENLOANS with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Back in XX/XX/XXXX i was sent a letter from a company called " LVNV Funding ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was XXXX XXXX ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with Transuion citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my Equifax report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from LVNV Funding, i also got a letter last week from a company called " Resurgent Capital Services '' who claim they manage the account with LVNV Funding. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company Resurgent advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Name of Creditor : RISE Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, TX XXXX XXXX : RISE Amount : {$700.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.