WillisBack/dataset-financial-user-claim huggingface dataset:
This is a new complaint, as an additional issue with Equifax, This is a NEW Issue - as there are IMMEDIATE and PERMANENT Changes they have made that are impacting me in such a harmful manner, and knowingly. 

The manual manipulation of my records has crashed my scores and in one day, from XXXX to XXXX -- - and in a PRODUCTION EQUIFAX Credit Reporting instance. Apparently the changes made against my record to resolve this issue were simply moved into an application, with no quality checks or inspection, Attached is my record in Equifax - Yesterday, and then TODAY when they went in and changed the PAY HISTORY segment of their application to show a CHARGE OFF Status as of XX/XX/XXXX, all while the DATE CLOSED remains unreported. 

This account has been closed for XXXX years. 

Equifax has indicated that there was no response needed to my disputes, manipulated the data residing in their database to such a point of inaccuracy that this record 's corruption is not reversible, or their technical team no doubt would have done it by now. Yet, although they are aware of the issue, and according to the FCRA defining their needed action to delete this account, have instead updated data that has caused my scores to DROP and in ONE day by XXXX points. 



There is an existing dispute with Equifax regarding the state of my account - within their records. I have asserted that the records are not juist corrupt - but at such a innacurate state - that they must be deleted. 

I am attaching of screen shot of what my account looked like on XXXX and then today - XXXX hours later on XXXX. 

1. XXXX is a closed account since XX/XX/XXXX ( on or about XXXX ) 2. XXXX was in a CHARGE OFF STATE at that point, or XXXX. XXXX should have a CHARGE OFF STATE indicator on my records in XXXX. XXXX does NOT have such an indicator, and in FACT now does have a CO state as of XX/XX/XXXX, which is wholly inaccurate as per the XXXX file specifications, that require this date/data to be equal to the actual date this account became in that state5. The account still, has no closed date - appearing as if this is current CO6. This manipulation/change by Equifax/XXXX has NOW caused my score to drop over XXXX pointsThis CRA is now responsible for literally, destroying my credit one day at a time, and with knowledge that - this account under the FCRA, has become so corrupt that they MUST remove it. 



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I received a letter from CACH , LLC regarding a debt I never had any business relationship with CACH , LLC. I wrote a ( certified letter ) requesting verification of the debt. CACH , LLC. did not respond ; instead CACH , LLC. proceeded with legal action against me. I want CACH , LLC to verify the debt as allowed under the credit act law.
Back in XXXX, I notified XXXX, XXXX and Transunion of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided XXXX and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Transunion, XXXX and XXXX have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. XXXX, Transunion, and XXXX has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D
The collection agency has placed a judgement against me and on my credit report, the person owing the debt is not me. The collection agency has the wrong person, the person they need to contact my son. The collection agency should have done a more through background check and failed to realize their mistake.
In 2014 I made a purchase from XXXX and used the Barclaycard deferred interest promotion. Each month I received an email telling me the minimum due on my account. I paid that every month and then received an email stating that my payment was accepted. I never received an email alerting me that my promotion was about to expire. 

On your website it states that Barclaycard has to alert me that my promotional period is up on the cover page of my statement. This alert is on page XXXX. 

I would like to have the {$970.00} rescinded and to pay off my account in full. How can I make this happen?
I am owed a refund for a " Gap Insurance '' that was attached to my auto loan. I cancelled the policy in XX/XX/XXXX. The reimbursement process was that the dealership provide paperwork to the underwriter, the underwriter would issue a check for the unused portion of the policy to the lending institution, the lending institution would then forward that pro-rated refund to me. Steps A and B went quickly and smoothly. Step C ( delivery of my refund ) has been almost 3 months of aggravation in the form of unreturned phone calls, customer service reps with no backing from supervisors, XXXX checks " lost in the mail, '' and now, today a promise of a Thursday XX/XX/XXXX delivery to my work office via XXXX. If the situation had been reversed, I expect they would have garnished my wages by now!
I have sent a debt validation letter to XXXX XXXX XXXX XXXX  and did not receive the proper proof that any of these accounts are valid or mine they didn't send any original paper with my signature.They had 30 days and they only sent a bill paper I sick of this company and putting my credit down.Something needs to be done!
i am having problems whit my walmart credit card i always paid on time by the time they send me the statement of my bill i already have paid them.i am retired i get pay the begging of the mount and i pay them because they sent my statement always late.now the sent me the statement 3 weeks later XXXX inform me that i have a pastdue over my account which is not truth now they dont email me they call at my house all day long .they are harrasment until XXXX
XXXX XXXX removed this credit file and keeps reinserting it. They have NOT sent me 5 day as required by Federal Law and in violation of fdcpa 805. communication in connection with debt collection. I do not owe them anything as I have never done any business with this company period nor have received any documents to confirm I owe XXXX XXXX. They are continually violating my consumer rights.
I was making on time payments, and the credit company ( Navy Federal ) was reporting late payments, even though my statements were paid on time. I contacted Navy Federal with five certified letters, stating that they were reporting my account wrong on the XXXX major credit bureaus, and how they were in violation of the fcra, and the Fair Debt Collection Practices Act. There has n't been any replies, so I continued to send letters, stating that they are violating federal law. To this day, XX/XX/XXXX, Navy Federal Has not marked my account disputed, or responded to my certified letters.So now the account is delinquent, and they still have n't marked the account disputed. I get the XXXX credit reports, from the XXXX website.
Several years ago, as I understood it, XXXX 's transferred their credit card processing to XXXX XXXX and subsequently to XXXX   XXXX XXXX XXXX  for actual charge and payment processing. For this I have had no problem. However, I recently became aware of another account created for my wife which was a XXXX 's Account. We were not aware of this separate account since the only credit cards we have are the XXXX XXXX XXXX XXXX card. For this separate XXXX 's account we are now being charged fees and overdue charges and also receiving bad credit reports to Transunion.
I purchased a new 2019 XXXX XXXX  in XX/XX/XXXX, put money down gave them all my info and in XX/XX/XXXX  received my first bill which I promptly paid. In XX/XX/XXXX I got a call that my XX/XX/XXXX payment was due I said I had not received a statement and was told they would promptly send me another, I didn't.

Saturday the XX/XX/XXXX received another call saying I am now 2 months in arears I explain I haven't. received a statement for XX/XX/XXXX or XX/XX/XXXX I say send me a statement then they say first I must pay the 2 months owed, I say send me a statement and I will, they say no send a payment today. We discuss that point for a while then I inquire why am I not getting the statements, they list the address they are sending and I is horrifically incorrect ( part of my name as part of the adress0, it had been correct for the first monthly bill and " somehow '' got changed. I don't know if there is any recourse but at least I want to go on record saying how rudely, incompetently, how atrociously

GM finance operates. If there any questions about my statements or description here please contact GM, I am
sure they have a recording of these conversations.

Thank you
XX/XX/XXXX, A call was transferred to me stating it was XXXX XXXX from XXXX XXXX in XXXX, Arizona and she needed to speak with you. When Representative started speaking, it made me assume my husband was in the hospital. Then XXXX XXXX went into a discussion that she is attempting to contact my husband for debt from XXXX and XXXX. I informed her I do n't discuss my husbands bills and she needed to speak with him. She said if I do n't hear from him by XXXX today, I will have to turn you in and this will also destroy your credit since you are married to him. I hung up, text my husband and asked why am i getting a threat at work when its not my bill. My husband reached out to the company, they were rude said that the company wants their money and its been 3 years. XXXX XXXX explained to my husband they pulled my credit report, and was like WOW I 'm impressed that i could buy a car, she refinance her house, and she was doing very well for herself. She then states to my husband that she pulled his credit and said looks like your trying to clean up your credit I see. I did n't give permission for this collection company to pull my credit, I never provided my social security to this office or the XXXX center. All I have ever provided was my insurance card as i was the cardholder. XXXX XXXX threatened my husband if he did n't respond back by Friday she will start garnishing his wages. I called XXXX XXXX back to go over the dates as my husband was in no hospital or had XXXX in XXXX. XXXX XXXX informed me it was a mistake on their office they will fix the date. At this time I asked XXXX XXXX who are you calling from as I was not informed of the Company name at the time of our first discussion. She informed me she worked for TCS. We hung up and I researched company online. I was given acknowledgement that TCS had faxed my employer twice for Job Verification, included my social security on fax that was accessible to the public. XX/XX/XXXX, a call was left from TCS from a XXXX XXXX at XXXX XXXX. I was not at work so I did not receive the message until XX/XX/XXXX. I received mail on XXXX, showing that I was the patient, it was my procedure. I did not have XXXX with XXXX XXXX. This company is putting false information. XX/XX/XXXX, I faxed a cease and desist communication to TCS to not contact me or my employer. confirmation fax received that company received.
Portfolio Recovery Associates , LLC out of XXXX, XXXX is attempting to collect on a debt that exceeds the statute of limitations of 7 years. This debt was part of a divorce decree filed in XXXX County, XXXX in 2003. As of today 's date, that makes the debt more or less 13 years old, thereby exceeding their jurisdiction. In addition this debt has been sold three times to different creditors and I do not believe the statute of limitations resets itself in order to satisfy a debt. It also states on their letter that if the amount exceeds XXXX dollars they " may '' report it to the IRS which is predatory collection practices.
This is in regards to a private student loan for which I am a cosigner and is being serviced by Navient. Loan # XXXX XXXX XXXX XXXX. I have explained 5 times to them that I am currently unemployed, i.e. I have no income and no savings to draw on to make payments, but they refuse to acknowledge facts. I am getting very sick and tired of being harassed when it is impossible for me to make any payments.
I received a car loan from AFS corporation on XX/XX/XXXX. I have been paying on loan regularly and on time. The monthly payments were around XXXX dollars a month. I paid almost XXXX dollars into the vehicle until, I lost my job XX/XX/XXXX in which I was with for over five years. I have been reaching out to the finance company in which I thought would be their for me. I was wrong, I tried borrowing the money I could not get any help due to my family members having it hard themselves. XX/XX/XXXX the vehicle was gone it was repossessed. I knew they would come and get it soon, but they took it like a thief in the night. I would have given them the keys, if they would have rung the door bell, because of the non payment. I had items in the vehicle in which the company never returned. I started receiving phone calls from my representation whom was XXXX XXXX then it was given to another individual by the name of XXXX XXXX. I was looking for a job everyday nothing, I even filed for unemployment in which, i received but found out I owed a over payment and that money, I was goingXXXX to receive was being paid towards that amount of XXXX dollars. I loved and worked hard for this vehicle to loss it. So after speaking with XXXX for a while it was then transferred over to XXXX XXXX whom I spoke with on a continuous basis. I even filed a complaint with the XXXX and we can to an agreement of {$3000.00} XXXX XXXX even agreed to it on the phone my boyfriend even heard him say it and after he agreed he hung up after hearing my boyfriend voice on the phone, he thought we were the only ones on the phone, I needed proof form another party. I later received an agreement settlement for {$6000.00} in which I never agreed upon so the XXXX closed the case. The vehicle was later sold at an auction, in which I was never informed of the auction date, time, or location. They never gave me the option of getting the vehicle back. I received a letter stating I owe XXXX dollars? How is that possible when I paid that much into the vehicle, time passed and nothing was said it only showed charge off on my credit report. I started cleaning up my credit report in which I hired a company to do, then I received a letter from XXXX XXXX XXXX a firm in XXXX, XXXX whom is representing AFS in XXXX, XXXX they file a summons against me. I was hurt and disappointed that this company received all this money and now this they are so dishonest. I responded to the summons but it was to the XXXX and XXXX I did not read full document. I was to respond to the court, after speaking with a lawyer, I responded to the court now am waiting on response. I have documentation from XXXX and the company. I may owe something but not XXXX dollars the loan amountt was only XXXX this make me feel humiliated knowing this company is lying against me. I just want to pay the different and move forward and that difference is not XXXX dollars. I need help please
On XX/XX/2016. Navient received a check I sent them for {$15000.00}. I know this because I have a return receipt from the the post office which is dated and is stamped by Navient. I called on XXXX/XXXX/16 around XXXX to enquire why the check has not been posted to my account. They said they have n't recieved it. I spoke to a supervisor by the name of XXXX. She asked me to fax them the return receipt and to verify if the check had been cleared with my bank. The check has n't been cleared.I faxed the receipt to them today. She also said it would take XXXX business possible days for the process. I told her that I wanted to pay Navient as soon as possible and on I do not wish to wait that long. I am now paying for the {$15000.00} loan with my bank as well as Navient.. I need to get this done asap..
On XXXX of XXXX, we bought a refrigerator in XXXX XXXX Department located in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; with a phone number Phone : ( XXXX ) XXXX. We leased the refrigerator with their 3rd party leasing company called : XXXX, XXXX located in XXXX XXXX XXXX, XXXX, NH XXXX with a toll free number XXXX, and an email of XXXXXXXXXXXX I do n't remember if we leased it for 12 months. There has been issues on the automatic payment because my husband 's debit card was compromised 2x with XXXX XXXX. I remember buying out the lease with them on XX/XX/XXXX. I believe i even asked them to send me a hard copy of the buy out. On XXXX of XX/XX/XXXXwe started receiving letter from the collection agency. I asked them to give me the details of the amount they are trying to collect because i know that we already bought out the lease. But they ca n't give us any information since according to them, WHY NOT LEASE IT just forwarded our account to them. They are collecting the whole amount of the Fridge when we first got it. I tried explaining to them that we made payments and that we bought out the lease. I called WHY NOT LEASE IT to ask for a hard copy of our payment but they said they do n't have our account info with them anymore since they forwarded it to the collecting agency. I called XXXX as well if they can provide copy of the receipt back in XXXX of XX/XX/XXXXbut they told me they ca n't. I must have misplaced or threw away my receipt so I have no basis on my lease with them. All I have is a copy of our bank statements showing the money taken out from our account.
on XXXX/XXXX/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization.
The following hard Inquiries on my credit report Im unaware of ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   In XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion customer service would not help and take care of the negative inquiries reporting to my credit report.
Saw collection item on my XXXX report only. Called Transworld Systems , Inc and was told that is n't me, they would remove. They did n't. today when I called again they said I should fax the page from my XXXX report with name, SSN, Address, copy of military ID and phone number, with dispute reason. I have tried 10 or more times and fax number they gave me does not go through. Now phone number I used previously does n't go through either.
XXXX I WAS WITH XXXX MORTGAGE SOLD MY LOAN TO OCWEN. THEN OCWEN SAID THAT I WAS BEHING SINCE XXXX DIDNT RESEND THE PAYMENT TO OCWEN. SO I M BEEN BACK AND FORTH SENDING OCWEN ALL MY PAYMENT AND/OR RECEIPTS. 
THEY WERE SUPPOSED TO LET ME KNOW IF EVERYTHING WAS OK BUT I AM STILL WAITING FOR OCWEN TO CALL ME.
I received a letter from " Transworld Systems Inc. '' dated XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX has placed you account ( s ) with this office for collection ''. 

The original toll fee is {$8.00} and the additional ( late ) FEE is {$100.00} for a total of {$100.00}. Let it be known that I will gladly pay the {$8.00}. 

It has taken me 2 weeks to respond to this notice because since the date of violation, XX/XX/XXXX, I have moved from XXXX XXXX to XXXX and so it has taken 2 weeks for the mail to be forwarded to my new address. 

About a month ago I spoke with XXXX XXXX XXXX XXXX re : a similar issue ( if not the same issue ) and I paid my debt and CLOSED MY ACCOUNT since I no longer live in the State of XXXX XXXX. 

Now a month later I am receiving a letter from a debt collection agency and I am confused. I want to settle this issue immediately.
I signed up for an American Express Platinum Card, with a link that said that I would receive XXXX XXXX points after meeting the minimum spend of {$3000.00}. 

I did that, legally and legitimately, but they would not let me use my points afterword. 

At some point they told me that my account was under a 6-8 week 'review ' which started after meeting my spend ( it was in XXXX ). 

It has now been 11 weeks, and they will not let me use my points, and they will not tell me why.
XX/XX/2018, a total of four fraudulent XXXX Transfers were made from my Bank Account. The bank was notified and failed to act. At the time there were three transfers in the amounts of {$180.00}, {$200.00}, and {$490.00}. Following the call to the Fraud Department of my Bank, a fourth charge came through for another {$200.00}. Total fraudulent XXXX Transfers were {$1000.00}.

My wife and I have never used any money transfer service, so would have had no reason to accept or set up electronic fund transfer with our Bank. That said, there was a change to our account on XX/XX/XXXX18, the same day the charges occurred. These charges are related to XXXX Transaction XXXX and the receiving party email is " XXXX ''. This looks shady to me. 

I have filed a report with the XXXX Police Department. Case # XXXX. 
You may reach XXXX @ XXXX. In addition to XXXX, Complints are being filed with My bank and XXXX  XXXX, where the receiving account is held.
My wife and I needed a chipped credit card for overseas travel. Our bank did n't issue chipped cards, therefore, we went to Wells Fargo since they did. We worked with the " branch manager '', XXXX XXXX, to apply for the credit card and to open an account and get chipped debit cards as well. 

Online he discovered that I had an old Wells Fargo credit card from XXXX that needed to be canceled before we could get the new credit card account. Since I quit using the account decades ago I no longer had a card for it. He was n't sure how it would be handled but said he would apply for the new card and see what happens. 

A week or so later we received a new chipped credit card as well as the new debit cards. I called XXXX because I was n't sure if the new credit card was for the old account or the new account. It was a relevant issue because a benefit of the new account was medical insurance for refund in the event we purchased plane tickets for a future flight but unable to use the tickets due to health. He assured me it was the right one. XXXX further satisfied my need for assurance by emailing a copy of the written benefits that included flight insurance ( page XXXX in the attachment dated XXXX ). 

As months went by my wife ( XXXX ) got a medical condition that prevented us from taking the XXXX, 2015 flight. We canceled the flight and began the process for refund for out plane tickets. Wells Fargo denied our request, saying it was not covered under that credit card. XXXX acted surprised and said he would pursue resolution from 'his end '' but I never heard anything from his actions. I contested the findings but never heard anything from them again. I wrote an email letter to XXXX ( See attachment XXXX ) and summarized the whole experience in that email and asked him pointed questions but never received any response aside from him saying he forwarded my email. In further emails I tried to get him to state if he agreed with my explanation plus other pointed questions but he never answered a single question. He would n't respond in emails any longer. XXXX and I went to his office and he remained vague and non-committing on all issues. 

I did everything I could be expected to do. Especially by working with the branch manager, how much better can you get than that? Even to the extent of questioning the branch manager and receiving his assurance that what he said was correct. 

They sold one thing but claimed it was something else when the time came for handling a claim.