WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax refuses to conduct a proper investigation, they refuse to correct negative information on my credit report, they refuse to except documents from myself or the CFPB, which provide the correct information regarding a XXXX student loan account for my daughter which i co-signed. 
Equifax is reporting a XXXX account ; Acct # XXXX XXXX XXXX XXXX as 150 days late in XXXX XXXX, XXXX XXXX, XXXX XXXX. 120 days late in XXXX XXXX, 90 days late in XXXX XXXX and 60 days late in XXXX XXXX. They are reporting this contradicting the update XXXX has sent them and ignoring XXXX own response to my complaint through the resolution process with the CFPB for case # XXXX. 
XXXX has confirmed they requested all XXXX credit bureaus to remove all late charges consistent with the above mentioned case. XXXX and XXXX have updated this information. However Equifax refuses to do so. 
I have sent Equifax numerous certified letters over the last 6 months, I have called equifax begging them to conduct a proper investigation. I have provided Equifax with XXXX response to my CFPB complaint. 
As a result of Equifax 's willful neglect and deliberate reporting of inaccurate information, I have been paying hundred 's of dollars a month in higher insurance fees. I have been turned down for a work van and finally had to pay higher interest fees for a work van I was able to purchase. 
Note : this account is the ONLY negative account ever to report on my credit files.
We registered our coinbase account ( XXXX XXXX with emailid : XXXX ) in XX/XX/2018 and starting crypto trading on coinbase platform. On XX/XX/2018 we received an email from coinbase saying that our account has been rejected and we would need to close our coinbase account. At that time we had XXXX USD in our coinbase account/wallet and I requested coinbase to release my funds and then I will close my account. 

Since then I have raised multiple requests for getting this issue resolved. They have restricted all the trading on my coinbase account. Every time I reach out to there costumer support, they ask me to add my bank account on my coinbase account, but I am not even allowed to add my bank account on the portal to get my money withdrawn. Every week I am back and forth with a costumer representative from coinbase and been assured that this will be looked by a specialist, but nothing has been done yet. 

It has been more than 5 months now and I still have not received my ( XXXX USD ) money from coinbase. 

Hope this will help me getting my moeny back.
On XX/XX/2017 I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 30 days and nothing has been resolved at this point. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company.
I submitted paperwork to Equifax to have some fraudulent accounts removed from my credit report and Equifax has not done anything with it.
The company is Lendmark Financial in XXXX NC. These people, especially XXXX and XXXX call everyday, even on Saturday. I explain to these people to expect payment soon, as I am trying, to catch up. They then begin to lecture me in paying. What you will not do, is lecture and expect payment as well! I am not a child! Every day they are calling me! If this continues, they will owe me {$500.00} per call. I will continue to charge them until the loan is forgiven. I took a second job to get caught up. If I do not answer my phone, these people continue to call. It is not a game nor a joke. 
This office even has the main office in XXXX NC calling me. This office is in XXXX NC. This stops here. If these people continue to call, I will consider that harassment and take further action.
I been contacted 6 to 9 x 's a day. Now they are calling them self XXXX XXXX phone number is XXXX  and so on with different numbers. It is XXXX XXXX XXXX calling told them not to call this number. So they call under a different name. On this debt the cable cable company sold out. And called the new company and ask if i owed anything and they said yes so i ask them to send me a bill. And was told they didn't what my money. So this bill is paid and full. But this company persist in harassing me. After being told not to call my number.
We are attaching a copy of the letter my husband and I sent to Equifax on XX/XX/XXXX. They are supposed to respond within 30 days, but its been over 2 months and we haven't received a response yet.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NCC BUSINESS SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
I contact the original creditor "   XXXX   XXXX   '' via telephone on  XXXX / XXXX /2017 regarding the " debt '' that was placed in collections and on my credit report. We made an agreement that once payment of {$600.00} has been cleared that an immediately delete this account from any and all credit reporting agencies (  XXXX ,   XXXX   and  XXXX  ) would occur. This payment was processed on the  XXXX / XXXX /2017 and I contacted   XXXX   XXXX   on  XXXX / XXXX /2017 via telephone and e-mail to confirm payment and removal of the incorrect credit reporting for all parties involved. The manager   XXXX   XXXX   confirmed that the payment was received and that agreed the account would be removed from all credit reports and pulled from collections.
All certified funds for the settlement amount of six hundred dollar ( {$600.00} ) was paid to   XXXX   XXXX   on  XXXX / XXXX /17 in exchange for full deletion of all references regarding this account from all credit files and full removal of the debt reporting for all parties involved.
Furthermore, my family members and I have been receiving non-stop spam collection calls since this account has been reported on my credit report. I strongly believe that the collection agency involved sold my information to another third-party company regarding collection of this debt. I do not have a contract with the collection agency and have not authorize them to sell my family or my information in any capacity. I have contacted the collection agency several times via phone and certified mail regarding the harassing phone calls and e-mail to my family and I. Unfortunately the collection agency has failed to respond to my complaints.
Having problems have been charged for a loan that I never received and WILL NOT release the information to the loan company. Withholding loan money that was leaded to me and allowed me to be charged.
The contract between that I signed with XXXX XXXX XXXX ( XXXX/XXXX XXXX ) is void because I did not not consent to giving them Irrevocable Power Of Attorney. The contract is blank without a duly executed date, no witness. Nothing has been sworn to, subscribed or any acknowledgement of date. The Notary Signature does not appear of the document, and there is no date of commision. What County? What State? XXXX XXXX XXXX/XXXX XXXX gave me back the document without my wet ink signature. The signature on the document is a scanned copy of what looks like an exact replica of my signature, therefore fraudulent. It was a quick process, in getting the paperwork done, where they cashed in on my signature, therefore making securitization illegal. Numerous times I have brought this to their attention where both corporate and the franchise office ignored my complaint, calls, and all mail correspondence. They also ignored me when I requested a W9 so that I can properly file my taxes for all out of pocket payments. The forms 1099 A and 1099 OID allows me to do that according to IRS publication 1212, 26 USC 1271 ; UCC 3-419, 26 CFR 1.671-5 ( c ) & ( d ), loans - 26 USC 1273 & 26 USC. Since we can not pay a debt with a debt I have discharged the loan under UCC 3-603. I  would do a Notary complaint, but there isn't any information for me to pursue. XXXX XXXX XXXX/XXXX XXXX did not have a Notary present.
On XX/XX/XXXX I contacted Transunion to resolved unauthorized inquires showing on my credit report. I called and spoke to US representative by the name of XXXX. Ive recently checked my credit report and noticed many inquires that were removed during a breach in XX/XX/XXXX- XX/XX/XXXX were reinserted. I DID NOT receive a written 5 day notice informing me about the breach or Transunion reinserting the inquires. This is a violation of the FCFA. Transunion can not continue to violate my rights. 

Transunion are in violation of fdcpa 805. Communication in connection with the consumer generally Without the prior consent of the consumer given directly to the Debt collector or the Express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Plus I had already had a fraud alert on my account which was just added back, but they still refused to remove the inaccurate information.
Send out 2 section 609 letter but company never send proof has requested but keep reporting accounts on credit report inaccurate copy of letters 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 in 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, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately Name of Account Account Number 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 XXXX XXXX # XXXX Thank you for your prompt assistance in this matter. 
Sincerely XXXX XXXX
Portfolio Recovery Associates is still reporting this fraudulent account to XXXX but had deleted from XXXXXXXX XXXX! I have mailed portfolio Recovery a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to XXXX and they told me Portfolio Recovery is still reporting this fraudulent account and XXXX is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on XXXX and Portfolio Recovery! Portfolio has deleted this fraudulent account off of XXXX and XXXX but is still reporting to XXXX!!
My property was foreclosed on XXXX XXXX, XXXX. The status REDISPOSED back to the lender. The Judge said I am no longer responsible for the mortgage anymore. I am free from the debt! Now I have Real Time Resolutions trying to collect the mortgage debt from me after several years later. I explained to them that I was foreclosed and release from any debt from the mortgage. I do not own the property anymore and it went back to the lender. Experian would not delete account because the account has to be closed. I contacted XXXX and asked them on XXXX of XXXX the account is over 7 years old and needs to be deleted which I do not own this mortgage! XXXX the customer service rep said the Real Time Resolution is going to a positive status between XXXX XXXX to XXXX XXXX. Again I explained to him that it was giving back to the lender and why would I pay for something I do n't have. XXXX said it will stay positive in good standing section. Again I do n't own it and I ca n't buy anything with this showing a balance of XXXX which I do n't own. XXXX said they can not Re-Aging of the account, because its illegal. It will stay on your credit showing nothing. For it to completely come off the credit report Real Time Resolution have to closed the account. Its been over 7 years now and I like to purchase a house but I ca n't. Please help me with this situation ... thank you!
Contacted Citi Bank regarding my Home Depot credit card on XX/XX/19. I could not access my online account and several failed attempts to reset the password, I called their customer service department. I was transferred to tech support, who determined the reason I couldn't reset my password was due to a missing telephone number on the account. He stated that it would be a simple matter for customer service to handle and transferred me to another person. The lady I spoke with continued to state she could not validate my identify, despite the fact I provided her with 1 ) last 4 of my ss #, 2. full name, 3. full mailing address, 4. Home Depot credit card number. She then asked me for my Primary Check Account number which I refused to give her. The call was escalated through 2 more people and my last conversation was with XXXX in the " executive response '' dept. She was able to add my phone number as I originally requested and she confirmed that an agent requesting my checking account information was not a valid type of identity verification at their organization. Twice, XXXX told me she believed the agent I spoke with misunderstood that I wanted to make a payment through her and that's why she asked for that information. That is ABSOLUTELY not the case. Clearly this representative ( who was very combative and unhelpful ) was trying to take information from me to do personal damage, which might have also included identify theft.
On XX/XX/XXXX I received an alert on my credit report from Transunion showing an " unauthorized inquiry '' from XXXX XXXX XXXX. There was also 2 from XXXX XXXX I immediately contacted both Companies and was able to speak to the right people who advised me on how to get them removed. I also contacted Transunion, XXXX and XXXX   but Transunion was the only report it was showing on they advised me on what to do. I did what XXXX advised and emailed their documents which included a notarized 5 page affadavit, a copy of my government issued ID and a copy of my address. They verified receipt and sent me a letter ( attached ) confirming they will delete their inquiries. Both showed as HARD INQUIRIES so I expect them both to be removed. XX/XX/XXXX I certified mailed a letter ( attached ) to Transunion which included a 5 page  notarized affadavit and a letter to Transunion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX the XXXX XXXX office verified and confirmed receipt on XX/XX/XXXX. I expect they'll remove the inquiries also but the problem is with XXXX XXXX XXXX I never applied for their services. I CERTIFIED MAILED A NOTARIZED AFFADAVIT TO THEM XX/XX/XXXX ALSO BUT ITS LOST AND POST OFFICE IS INVESTIGATING IT BUT AFTER THINKING IT SHOULDNT BE ON " MY '' REPORT ANYWAY BC ITS UNAUTHORIZED AND XXXX   XXXX  XXXX CONFIRMED THE SOCIAL DOESNT MATCH MINE SO PLEASE TELL ME WHY ON EARTH IS IT ON " MY '' CREDIT REPORT????? THE LAST FOUR DOESN'T MATCH THEY ALREADY TOLD ME OVER THE PHONE YET IT IS ON MY REPORT. THE SOCIAL DIDNT MATCH WITH XXXX EITHER BUT THEY'RE GOING TO DELETE THEIRS. PLEASE PULL THE RECORDS YOULL SEE MY LAST FOUR IS NOT XXXX WHICH IS WHAT XXXX  XXXX XXXX HAS IN THEIR SYSTEM. ONCE I CONFIRMED THE LAST FOUR DIDNT MATCH THEY STILL PROCEEDED TO TALK TO ME VIOLATION RIGHT THERE. THE CALL SHOULD HAVE ENDED. I RECORD CALLS TOO AFTER THEYRE NOTIFIED. THEYRE BEING NEGLIGENT REMOVE ALL 3 INQUIRIES 2 XXXX AND 1 XXXX XXXX XXXX MADE ON XX/XX/XXXX. THEY'RE UNAUTHORIZED. I ALREADY PUT IT IN WRITING THE LAST FOUR DONT EVEN MATCH MINE SO REMOVE THEM.
ssue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.
I APPLIED FOR A BEST BUY CREDIT CARD WITH A LIMIT OF {$4000.00}. I WAS THEN GIVEN PAYMENT TERM OF 48 MNTS WITH 11.9 % APR OR 24 MNTS WITH 0 %. A BEST BUY REPRESENTATIVE ASSISTED ME AND ACCIDENTALLY SIGNED ME UP WITH THE 48 MNT PAYMENT TERM WHERE I WILL BE PAYING 11.9 % INTEREST ON PAYMENTS WHICH I WAS UNAWARE OF. I SPECIFICALLY ASKED THE INDIVIDUAL FOR THE 24 MNT PAYMENT TERM. ALL OF MY PAYMENTS ARE CONSISTENT WITH A PAYMENT TERM OF 24 MNTS OR LESS. I WILL THEREFORE BE PAYING INTEREST IN EXCESS OF {$500.00}. I HAVE BEEN GOING INTO BEST BUY AND ASKING THEM TO CHANGE MY TERM AND THEY ARE SAYING THAT THEY CAN NOT DO IT. I ASKED CITI BANK TO DO THE SAME AND THEY ARE SAYING THAT THEY ARE UNABLE TO CHANGE THAT INFORMATION. I AM NOW OUT OF OPTIONS
I received a collection letter from XXXX  for {$66.00} dated XX/XX/2018. I promptly disputed the debt, requested validation, and requested that they cease and desist all collection efforts, including credit reporting, until they either validate the debt or notify me they do not intend to attempt to collect in a letter I wrote to them on XX/XX/2018. This collection agency did not do either one. They failed to respond, did not provide validation, and still continue to report this invalid information on my credit report. Reporting information to the credit bureaus is considered collection activity. It is a violation of the FDCPA to further attempts to collect without validating information after it has already been disputed. This information furnisher did not respond to my dispute and must remove the information from my credit files at this time.
XXXX mortgage continues not to update my credit file with all XXXX bureaus they state foreclosure and wrong amount
I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report Transunion and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own.
I have been receiving calls to my home number from various phone numbers that my caller ID describes as NAVIENT. These include XXXX, XXXX, XXXX, and XXXX. When I call back I am connected to your automated phone answering system. For a while the calls were sporadic but they have increased in frequency recently. I received multiple calls from XXXX on XX/XX/XXXX as well as multiple calls from XXXX. I received additional calls from XXXX on XX/XX/XXXX and then started receiving calls from XXXX. I have been getting 4 to 6 calls a day. On XXXX XXXX, I received a call at XXXX XXXX from XXXX. When I answered, a recording told me that it was calling from Navient looking for XXXX XXXX and wanted him to call back at XXXX to discuss making arrangements for payment of his loan. 

With most of the calls, no message is left and most of the time the calls do not connect with my answering machine. When I answer, the recorded message does not always pick up. I do have an account with Navient, but my account is in good standing and when I called and inquired, I was told that there was no record of any calls being made in my account. 

I reported these calls to Navient on XXXX XXXX, told them that I believed that they had connected someone else 's account with mine using faulty skip trace information. I told them the name of the person they were looking for was XXXX XXXX who is either living in XXXX XXXX or XXXX XXXX. He is not related to me. I have had this phone number for 20 years. Navient has not made the calls stop, they are still calling me about someone else 's debt. 

I believe that the skip trace information was purchased from XXXX XXXX XXXX. They have had faulty information connecting XXXX XXXX to my phone number for years and have refused to fix their algorithms or update their information despite the fact that I have made multiple requests. I want the calls to stop, to be compensated for the calls and the time I have spent trying to get them to stop. I also want Navient to tell me where they obtained the skip trace information and to have that company permanently remove any connections between me and XXXX XXXX.
PNC Bank continues to XXXX customers ' hard earned money, while pleasuring their XXXX pockets. Their sly way of theft is worse than a middle-of-the-night intruder, stripping your home of its valuables. They get away with charging overdraft fees on pending transactions. They allow " retries '' on unauthorized debits that THEY have returned due to insufficient funds, resulting in NUMEROUS overdraft and return fees. It 's a vicious cycle, mastered by PNC to STEAL your money. 
XXXX and XXXX by PNC Bank. Justified theft by " fine print '' and NO help for the victims.