WillisBack/dataset-financial-user-claim huggingface dataset:
I first discovered I was a victim of ID theft after my wife XXXX XXXX 8 years ago. I filed a police report, and went to court, and have been fighting all 3 of the major credit bureaus since. XXXX and XXXX have cleared the negative items from my files with them. Equifax refuses to talk with me, every time I call I get transferred 2 or 3 times and end up with a special department called consumer affairs, office of the president. 
I never get respect, i never get results. The items i have gotten removed, did not come from equifax 's help, it was in spite of them. Their investigations are ridiculously deficient, they do not ask for internal documents of the company, to see what original information was in these fraud accounts, they allow the companies to change information to match my information today, not when the account was fraudulently opened. The FCRA section 605B, is very clear on what i as a consumer need to do, 4 parts for me, and then, how the credit bureaus are to act after they get the 4 parts from me. 
Equifax has never acted according to the law, they in fact break the law. 
I have submitted proof of my identity, a copy of the ID theft report, i named and identified the fraud items and made the statement i did not open the fraud accounts nor derive any benefits from them. 
I am providing all 4 parts to the CFPB again, to turn over to EQUIFAX, and see if they block these accounts according to the law already named in 4 business days or less, or break the law as they have in the past with lies and their own illegal policies that are against the law. 
I am hoping the CFPB can make equifax obey the law or suffer penalties. 
Do not allow them to claim my police report is out of date, the law DOES NOT require any dates in the ID theft report. The report can be 30 years old and be valid to use today, because you are still a victim and no new report be filed. 
The law, section 605B of the FCRA, allows a credit reporting agency to ADD BACK INFORMATION AFTER THEY BLOCK IT FIRST IN 4 BUSINESS DAYS OR LESS, if they find i provided materially false info to get the block, or that i did open the account in reality, not their thinking it. 
Demand equifax to block all this fraud info in 4 days or less, or suffer penalties for breaking the law.
I have been contacted by representatives at US Bank regarding a Reserve Line I have that was closed by US Bank and is in pay down status. The amount on the Reserve Line was {$1500.00} and was closed a few years ago and still owe {$720.00} mostly due to Fees and Interest. In 2015 I have been assessed Fees of {$140.00} and Interest of {$100.00} just in 2015 alone. I called US Bank and was quickly transferred to a representative and explained my financial hardship and was told fees and interest could not be reversed. I feel I have paid thousands of dollars to US Bank in Overdraft, Fees and Interest over the last twenty years that the US Bank representative should have negotiated a pay down balance to {$400.00} and I would pay off the balance over the course of a year. I am currently between jobs not by choice but because I am not able to find work. I am trying to get on Social Security XXXX to get my life back. Right now times are hard for me and US Bank representatives are making it more difficult.
I've been a customer with US Bank for many years. One day ( XX/XX/2012 ) as I was walking in to make a deposit, a banker approached me and told me I should have a credit card as well, and she thought I would be eligible since I was a home owner. 

Long story short, I walked out with a credit card and a {$5000.00} limit. I used the card for a year or so, and decided I didn't want it anymore. When I called to pay off the card and have the account close ( I didn't want a credit card in the first place ), I was given the run around. 

I called around to whichever numbers I was given and paid my account in full. Looking at my credit history, there is an account that says " In-Collections/ChargeOff ''. This is incorrect information. The account was paid in full.
No one has actually provided any evidence that this was in fact my debt. this negative reporting is hurting my credit report tremendously and prohibiting me from being able to purchase my first home. Secondly, I can not find them as a licensed collection company in the state of Indiana, perhaps I'm missing something. I was reading somewhere that collection agencies have to be registered in Indiana to collect. 

*they have this listed on my credit report under the name XXXX XXXX which is NOT me!
I have a payment plan with Rausch, Sturm, Israel, Emerson & Hornik Llc. 
By law I requested a letter with the information of how many payments I have left. I requested for that letter alnostv2 weeks ago and I never got it. 
I called em yesterday and asked bout it and the guy I talked to told me to call 1/2 hour later which I did. once I asked bout it again the guy hang up on me. I called XXXX or XXXX tines more without any luck finally I ended up talking to a different person who asked me for some information and told me he will get somebody to call me but nobody did. 
I called this morning again and after several calls in which I was left waiting until they hang up on me every time I finally talked to a guy whose namevas XXXX. 
He asked me for the same information the other guy asked and promised me to send me an email with the info I requested but he never sent me the email and by law if I requested the info bout how many payments left I have they have to provide it but they never did.
Leased a XXXX from XXXX XXXX XXXX ( Chase Bank ) 3.5 years back- lease had a buy back provision at the end of the lease which I used about 35 days back. In the process of buying the car they offered financing which I accepted and they collected {$850.00} as part of the finance contract buying the car. My first payment was due a couple of days ago, and they are still holding on the the sales tax money needed to register my car. I am a retired auto dealer and have decades of experience financing and titling cars in Idaho, and right now I am driving an unregistered vehicle. The instructions with the contract Chase mailed said they would mail a check for the taxes due to register the car. I called on XXXX earlier occasions, on XXXX they said they would send the money electronically and the second they said they would mail a check. Today I received a letter from them saying they would transmit the money electronically to the state XXXX on XXXX. 
How do they do this? My first payment is due and I am being asked to pay for a car I ca n't register. If I go pay the taxes again myself I have no guarantee I can collect them back from Chase, especially given their record on this transaction to date, and I am driving an improperly registered car and if they come through on the XXXX being asked to do so for almost 2 months. If I had floated state tax money like this when I was an auto dealer they would have locked the doors. I would also imagine if they are doing this with me they are doing it with everyone.
While travelling abroad, the credit card issuer called about an alleged fraud alert. I provided all the information they requested. Yet, the credit card remained inoperative ( suspended ) for the remainder of the trip, which caused us major problems. The credit card in question is the XXXX XXXX XXXX, issued by Citibank. 

The CFPB should penalize Citibank for unethical business practices.
I signed up for a Citibank XXXX Card where they promised me {$350.00} If I spent {$2000.00} within the first three months. I did that and they only gave me {$150.00}.
On XX/XX/2018, Judge XXXX XXXX, entered an Order setting aside the garnishment. The Court Order states that all funds held by Bank of America ( Garnishee ) must be release to defendant XXXX XXXX. The order also reflects that the garnishment is dissolved. On the very same day, i furnished a copy of the Court Order to Bank of America legal team, however BOA has not updated the account or set aside the garnishment pursuant to the Court Order. Numerals calls have beeb made to BOA and they continue to delay the process and this creates additional hardship to defendant. BOA has ignored a court Order, BOA should be sanction.
Company sent out a 50 % settlement offer for the full debt XXXX XXXX. I sent a check back with the amount, {$560.00}, and the company accepted it only as a partial payment, claiming they had no record of any debt negotiation. I thought I had made a mistake in the process, so I did nothing. Company again sent a 50 % offer for the remaining balance, so I was more diligent in sending the acceptance quickly and sent them a check in the amount of {$280.00} with the enclosed offer. Company again accepted it as only a partial payment, not an acceptance. When I called to inquire, Company told me that sending in a check did not constitute acceptance, and that I had to actually confirm the acceptance over the phone. My issue : sending in the checks unequivocally constituted an acceptance of the offer and were conditional on the settlement of the debt. Company is negotiating in bad faith and making up their own rules of acceptance. Offers never said anything about being conditional on further negotiation or acceptance over the phone, only that the checks would have to be received by a certain time.
XX/XX/2018 I submitted a dispute in hope of correcting information fraudulent account on my personal credit, however ; nothing was ever addressed
Debt was ACH into XXXX XXXX XXXX XXXX credit account instead of the right credit account known as Amex Standard and no longer XXXX XXXX XXXX ( debt buyer/debt collector ) without a signed agreement with the borrower. After the mistake was recognized, in which the XXXX XXXX XXXX, now known as the XXXX XXXX XXXX XXXX, transferred it after the payment date into the XXXX XXXX XXXX, now the debt buyer Amex Standard credit account several credits were made. But then the consumer 's automated default was never removed and it continued to produce late fees and interest owed with defaulting in original month, XXXX XXXX. I could n't get a response from Amex Standard, nor the XXXX XXXX XXXX XXXX, or the XXXX XXXX XXXX on either account/s after phone communications, Email communications, and written communications. I decided to stop paying after XXXX XXXX, because I could no longer figure out what I owed on the Amex Standard ( XXXX XXXX XXXX ) credit card. Their statements are impossible to figure out if you do n't stay current. There is no truth in their statements either, because I do n't owe money to a debt buyer as a retired person on social security benefits per the law, and other legal theories. I wrote to the CFPB and have a complaint against XXXX. This complaint is for Amex Standard ( XXXX XXXX XXXX original debt grantor ). See, my correspondence. This involves XXXX bank accounts and cut-off procedures, and the unwillingness of Amex Standard to be cooperative with the federal and state consumer protection laws.
I have a membership with Experian Credit Agency where they show me what's on my credit report, recommendations to improve credit score, etc. They'd referred me to look into a personal loan with a company called XXXX XXXX. I'd been verified and preapproved -- everything indicating there would be a 'soft ' inquiry on my credit so it wouldn't impact my credit score. In sending the final information requested, paycheck stubs, bank statements, etc., I receive a response that indicates they ARE NOT going to be able to assist me with the personal loan ( of {$4000.00} ) AND I now have a hard inquiry on my credit report. 

Based on recommendations FROM A CREDIT REPORTING AGENCY, I actually decreased by overall credit rating!! 

In attempts to contact Experian to discuss this with them, you only have access to a series of voice mail prompts none of which actually give you the option to speak to an agent. 

I would like the hard inquiry placed on my credit report from XXXX, XXXX XXXX  is the servicing agent so I think that's what actually appears on my credit report. 

UPSET BEYOND BELIEF THAT AN AGENCY THAT IS SUPPOSED TO ASSIST YOU ACTUALLY HURT MY OVERALL CREDIT RATING.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : 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 XXXX, and Chapter XXXX Bankruptcy XXXX
Last month I requested an investigation because I felt the item was not being reported legally. Couple of days later I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute Though none of these have been furnished. I have offered both XXXX XXXX and Experian ample amount of time to prove this and they haven't. At this point, I feel this should be deleted off my credit report.
I have tried to get this resolved with transunion countless times in regards to the inquiries on my report. Customer service was of no help. I was a victim of the inquiry issue they had and they put the inquiries back on my credit file without notifying me by law. I want them removed. 

XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX TOTAL 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 of XXXX XXXX/XXXX/XXXX
I opened a Citigold checking account with Citibank on XXXX XXXX, 2016. I entered the promo code " XXXX '', which was for a XXXX ThankYou Points bonus after making qualifying bill pays with the account. I have a screenshot of when I opened the account, showing that I have entered the promo code and the terms and conditions. I made the qualifying bill pays in XXXX. Now, I have contacted Citi to see when I 'll be receiving the promotion, and their services department tells me I was never targeted for this promotion and I wo n't be given the promotion. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. I have attached a screen shot from when I opened the account, with the promo code and rules. How can they take away the promotion after I 've met the qualifications? If I was never targeted for this promotions, why did they let me open the account, give me a promotion disclosure with the rules, meet the rules and wait all this time before finally telling me, after I had to contact them, that they are n't giving it out?
I have contacted all 3 Credit Bureaus regarding the reporting of inaccurate and unverified information that they are continuing to report on the credit report file they maintain under my social security. I have been disputing the inaccurate public record Bankruptcy information with the credit Bureaus. 
XXXX conducting an accurate investigation and found the information to be inaccurate and promptly delete the public record from the credit file maintain under my social security number. Please see attachment. 
Experian repeatedly stated that the inaccurate public record information is accurate and verified through a third party vendor ( XXXX ), which is a clear violation of the FCRA. 
Experian refused to follow the law that govern its company and continues to report the inaccurate information on my credit file. 
The FCRA is clear and there is nothing to interpret or misunderstand. Each bureau does not interpret the law differently, as the language is clear as to what must be done once disputes are received. 
Experian repeatedly refused to provide me with copies of any original bankruptcy documentations, which is a clear violation of section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

I contacted Experian and request a Reinvestigation. Experian stated that a Reinvestigation will not conducted unless additional relevant information to support my claim, which also a violation of Sections 611 ( a ), 616 and 617 of the FCRA, 15 U.S.C. 168 ( a ), 1681n, and 1681o. 
In good faith, I have made all attempt to have the court verified the accurate information to Experian. The court stated that it doesnt transmit information to the credit bureaus. Please see attachment. 
Experian have showing negligent and willful failure to reinvestigate the dispute. And continues to report this inaccurate information which causing severe damage to my credit report and Fico score. 
Please note : This is a very serious matter. The inaccurate item must be properly Reinvestigate, legal verified/validate with proof or remove pursuant to section 611 of the FCRA. 
Thank you for your time and consideration regards to matter.
21st. Mortgage has been sending my house payment back to me each month no matter how I make the payment. Then I get a letter letting me know there will be a XXXX dollar late fee. Upon calling them to try and set something up so my payment gets to them any way they want they tell me I have to make 6 payments myself before they can or WILL set any form of auto payments up. Basically I call them to find out why my payment was returned to me and they just cuss me outt telling me there was no payment made!! I tried going over the persons head to see what could be done but was told they did not care I HAVE MY credit union paperwork showing my payments were made and returned!
Navient student loan said I took out a loan in XXXX. I am XXXX yrs old and never had a student loan in XXXX. I did have a loan with the United States XXXX XXXX XXXX. This school was in XXXX Colorado back in XXXX. I got this loan paper from Navient that said I took a student loan out in XXXX, but I have not.
In XXXX I defaulted on a student loan. I requested a forebarence form which I never received and my loan was sent back to the department of education. Around XXXX I made 2 payments to the department of education. They requested my 1040 tax form to enter me into a payment plan. I send it in to the address they provided in XXXX ( uncertified ). I did not hear from the DOE until XXXX XXXX XXXX  send me a letter on XX/XX/XXXX. When I called the DOE they said they never received the 1040 tax form and considered my account in default. I filled a complaint at that time with the DOE because not only was I concerned my account was put into default I also was concerned they lost my 1040 tax form. To this day I have not received a response to my complaint. 

Sequence of events : XX/XX/XXXX - received initial letter from XXXX XX/XX/XXXX - I called company and was deceived into beginning the process of the loan rehabilitation program. They made me lock in a payment and auto withdrawal payments going forward. 

XX/XX/XXXX - After realizing I did not have to make payments on a loan I disputed, I sent a certified letter requesting validation of the debt. 

XX/XX/XXXX - Certified letter received by XXXX *Through the month of XXXX they continued to call me although they were supposed to stop all collection efforts, collection efforts ceased after I filed Attorney General. Although calls have stopped after XX/XX/XXXX, they continue to attempts collecting the debt by sending me request to sign up for the rehabilitation program. 

Around XX/XX/XXXX I filed a complaint with the department of education and have not heard back to date. I also filled a complaint with the attorney general. The attorney generals office sent them a letter and XXXX sent a letter back stating they never told me I was going to have my wages garnished {$1600.00} per month. They also said they would send validation of the debt once they received it. It's my understanding that the document they attached to the letter they sent the attorney general does not qualify as " validating '' a debt. There is not even an amount on it! When I called the school, I was told their records show the amount of the loan I took out was a little over {$2500.00} but their letter says it's $ 40,000+ but they can not provide me with anything showing that to be true. 


Thank you, XXXX XXXX
This company NAVIENT ( XXXX ) called my part time job and upset my XXXX by saying that I MUST call them today. I am an XXXX XXXX there at XXXX XXXX College and otherwise retired. I have n't worked there since XXXX 2016 because my wife is very sick she is waiting for a XXXX XXXX. At my home we only answer the phone expecting to hear from the XXXX XXXX XXXX. So it was equally disturbing for someone from the College to call telling me at home to tell me that someone from NAVIENT a XXXX XXXX I do n't recall the last name, saying I had to call them TODAY. I have told them many times to stop calling so I hereby file this complaint in the hopes that your agency can help.
rude, evasive, wo n't say who they are or why they are calling. 
calling me at work XXXX times a day
ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS.
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP
Real Time Resolutions, Inc. sent a letter RE : Notice if Servicing Transfer dated XX/XX/XXXX. In the letter it states : " You are hereby notified that collection duty associated with the above referenced file, that is the right to collect payments from you, if applicable, is being transferred from XXXX XXXX, XXXX to XXXXeal Time Resolutions , Inc. ( " RTR '' ), effective XX/XX/XXXX. This letter shows a Principal Balance of {$3700.00} with a date of last payment being XX/XX/XXXX. 

The next letter that I received dated XX/XX/XXXX shows an outstanding principal of {$3700.00}. In addition it shows : Principal : {$1.00} Regular Payment : {$1.00} Past Due Amount : {$220.00} Total Amount Due : {$220.00} It also included a " Delinquency Notice '' : " You are late on your account payments. Failure to bring your account current may result in fees. Your account became delinquent on XX/XX/XXXX and, as of XX/XX/XXXX, you are XXXX days delinquent on your account : Recent Account History Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Current Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Total Amount Due : {$220.00}. You must pay this amount to bring your account contractually current. 

I feel that Real Time Resolutions, Inc. is using false, deceptive and misleading practices, and are trying to re-establish this debt. 

XXXX XXXX XXXX made the following statement in a letter dated XX/XX/XXXX : " Please be advised that we can not bring legal action to collect this debt or threaten to do so because the statute of limitations has expired. IF YOU DO MAKE A PAYMENT, we may later be able to bring action to collect this debt because the payment may start a new statute of limitations ''. 

In a letter dated XX/XX/XXXX from XXXX XXXX XXXX they stated : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX   XXXX XXXX, XXXX. and/or XXXX will not sue you for it and XXXX XXXX XXXXXXXX, XXXX, and/or XXXX will not report it to any credit reporting agencies ''. 

This debt was discharged in Bankruptcy in XXXX. 

Real Time Resolutions Inc continues to request a payment every month for {$3700.00} with the most recent being XX/XX/XXXX. 

I have requested Validation of this debt twice from them and have received no response either time.