WillisBack/dataset-financial-user-claim huggingface dataset:
On   XXXX   XXXX   XXXX    , I submitted an online dispute with Equifax concerning  XXXX  accounts on my credit report that were fraudulent. As requested in a previous disputed, I submitted a copy of my Identity theft affidavit from the Federal Trade Commission as well as a copy of the police report. Both of the accounts in dispute were listed on both documents. On   XXXX   XXXX  , I received a response from Equifax stating the account was researched and determined to be mine. When I called Equifax, I was told by an customer service  rep. t hat I did not add my current identification, however the other account was deleted from my file without it and my identification was never requested by Equifax. I would have to wait another 30 days to allow them to investigate it again. I asked to speak to a supervisor and was told that   XXXX   XXXX   XXXX   XXXX   responded to their investigation incorrectly therefore, they would need another 30 days to re-investigate the matter because it was also not investigated on their part as a fraud case. I told that supervisor that was unacceptable as I should not have to take responsibility for their agencies and the creditor not doing their parts. I asked to speak to her supervisor when connected to him, he told me that they were just reporting what the creditor sent to them. I asked how could the creditor report  one thing to his agency and another to the other 2  agencies being that the other agencies did their investigations, which resulted in the removal of the account. I asked for a copy of the investigation they did and the response from the creditor be mailed to me. He told me he would only send me how they conducted the investigation and that was it. He then stated, it also would take another 30 days the receive this information.
I have this item on my credit report reporting from Equifax through XXXX XXXX via XXXX. I have no knowledge of this collection item I donot and have not had an account with XXXX in the past. I requested proof that this account belonged to me on XXXX different occasions and none of Equifax 's response including how they determined the debt belonged to me. Their response is always the same Verified but never how they verified the debt.i asked them to verify that this item actually belonged to me along with how they determined that and that completely ignore my request. I am asking that they remove this item from my report as they have not provided me with proof of an investigation. That 's complaint number 1. Complaint number 2 is they have a address reporting on my credit report that never belonged to me upon their XXXX different investigations they said they were going to delete it but they never did. Complaint number 3 I previously had. A case open with the you ( cfpb ) case number XXXX the results needs with XXXX agreeing to delete the account from my credit report since then it 's been deleted from transunion and experian but Equifax refuses to delete. Even after sending them a copy of the letter it still comes back as verified. Equifax is causing me to have significant problems with obtaining new credit because of the innacuracies that they are reporting. I want them to delete these XXXX disputes from, XXXX XXXX XXXX, XXXX XXXX and the innacurate address listed as XXXX XXXX XXXX XXXX XXXX Pa XXXX.
XXXX XXXX XXXX inquiried about my credit on or about XX/XX/2018 without my permission. I authorized this dealership to submit a XXXX credit application only. XXXX XXXX XXXX inquiry was suppose to be a soft inquiry but shows as a hard inquiry. I notified XXXX XXXX XXXX of the error and their finance manager provided the attached email for clarification. I tried to attempt to dispute this inquiry on Experian website but there was no option to do so.
The home at XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX was purchased with a loan though XXXX XXXX, ( no Doc. / Adjustable ), with the payments made to XXXX XXXX   XXXX. There was never a late payment for over 7 years. My family developed financial issues due to medical difficulties and I ended up defaulting. I advised XXXX representatives that I was interested in finding a solution. For many months I worked with their representatives providing many, many documents, bank records, Veterans info etc. Finally, following months of discussions I was told that the foreclosure was cancelled and that I would receive a new loan opportunity. That was on a Monday. the Tuesday, following that Monday 's discussion, I answered the doorbell to be met by a sheriff telling me that there had been a Trustee 's Sale that morning and that I had 48hrs. to  vacate. I contacted XXXX   and they stated that there had been a mistake and that they would get back to me. four days later I called the XXXX representative I had been speaking to and she advised me that there was nothing that could be done. I subsequently moved. The loss of the home caused a fracture of my marriage and a significant loss of potential equity.
Integrated services is trying to collect a debt from me, I 'm not sure where the debt is from. The most recent call that was received was on X/XX/17, the caller stated that her name was XXXX XXXX, calling from integrated services legal department and she wanted a statement before X/XX/2017 to give her client because they were filing fraud charges against me, which would be forwarded to my county and an arrest warrant would be issued. Then she called my estranged husband, his brother, sister and mother, as well as my XXXX year old son and XXXX year old daughter 's phone and told them she was calling from integrated services to offer me a settlement. I also have several voicemail 's on my work phone. I called the number back ( XXXX ) and asked them to stop calling my estranged in-laws, children and my job and giving them my information. My soon to be ex-brother in law knew way too much information about my situation. ( Is that considered that defamation of character? ) I need help to stop them from harassing other people over a debt that is supposed to belong to me.
The original creditor was Departme nt Stores National Ban k. The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt. Departme nt Stores National Bank assign ed a debt collector,  XXXX   XXXX   XXXX . I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off to  XXXX   XXXX   XXXX . I have the original letter of proof from them stating the debt is paid. Just after that date, Departme nt Stores National Bank hired 2 other debt collectors ,  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied. Departme nt Stores National Ba nk then hired  XXXX   XXXX   XXXX   AGAIN to collect the  debt. This was on  XXXX / XXXX / XXXX .  XXXX   XXXX   XXXX  said they did not show a record of the pay off. I had to send a copy of the letter FROM  XXXX   XXXX   XXXX , TO  XXXX   XXXX   XXXX  to prove I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX  Departme nt Stores National Bank   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN from  XXXX   XXXX   XXXX   ( no w known as  XXXX   XXXX   XXXX  ) saying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  XXXX   XXXX   XXXX   XXXX   XXXX  saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!
Unconscionable that credit bureaus charge for consumers to temporarily unfreeze an account when applying for new credit. Consumers have less and less control and protection over their data that is collected and exploited without their permission. Charging fees to temporarily lift a freeze ( the TINY bit of control offered to consumers ) is just adding insult to injury. These fees should absolutely be illegal.
On XX/XX/XXXX I made a call to the department disputes Trasunion, reported me with a supervisor, because customer service, had no access to the document which had sent them XX/XX/XXXX as evidence a dispute against XXXX XXXX XXXX XXXX, the supervisor tells me that actually signed by XXXX XXXX department ( Complience Division ) XXXX clearly said they had targeted after an internal investigation, remove the account from my credit report, but immediately said he could not it, just if you could send another letter the same, but with more recent date, which is totally absurd since the account is the same, I said that if XXXX sending this document, even by registered mail, was because he had granted special treatment to the case, even it insisted that it should be a recent document, is not possible that a letter which refers to one account it can not be removed, when the company which had to make the decision, he did, in the case of XXXX, this document has no expiration date or the aforementioned company I find out about that detail Trasunion is violating the law FCRA Fair Credit Reporting Act USC 1681 reporting information taking into account as evidence of this illegality this letter even signed and certified by the company in question, please must immediately remove this account from my credit report
In XXXX, due to rough life circumstances, I had a van repossessed. In XXXX, a collection agency by the name of XXXX, XXXXXXXX XXXX XXXX contacted me about a debt that was turned over to them by XXXX XXXX XXXX for said van. Mr XXXX XXXX ( who conveniently no longer works for XXXX, XXXXXXXX XXXX XXXX ) offered me a settlement to get this debt paid and cleared off my credit and I have the settlement letter I was sent. I agreed to the offer and began to make the monthly payment we agreed upon. After about 6 to 8 of  making on time payments, Mr XXXX called me back and said if I would just pay 4 lump sum payments totaling {$1000.00}, they would consider my debt paid in full. I sacrificed to make those payments but I did, and I also have the letter that states I made my payments in full, on time, and that there is now a XXXX balance on behalf of XXXX. However, I've been calling XXXX to find out why they're still reporting me to the credit bureau and they are now ( over a year later and my offered settlement was paid ) Mr XXXX and Ms XXXX, directors with XXXX, are trying to tell me that they never approved the settlement amount that XXXX XXXX, the collection company they hired, offered me and they refuse to honor it and demanding I pay them an additional amount of over {$4300.00} for them to just remove this from my credit!! I need help, please.
This is a complaint about Bank of America. More than 5 years ago I had opened a money market savings account and was told to maintain the account I had to have {$2500.00} in my account monthly and/or have transactions in and out the account. I have maintained the account with a constant minimum balance of {$2500.00} up till XX/XX/2018. I made sure on XX/XX/2018 I headed to the bank to bank in {$2500.00} in cash so that my monthly closing balance did not fall below its requirements. On XX/XX/2018 I had a {$8.00} dollar monthly maintenance fee that was charged by the bank and after several phone calls speaking to customer service they said my account is now known as the Rewards Savings account and I had to maintain a daily balance of {$500.00} instead of {$2500.00}. I was definitely not informed about this change and new requirements - as I would not have done the withdrawal as how I had done on XX/XX/XXXX so I can avoid the fees that were to be charged. Bank of America definitely did not inform me in any way and all they said was it could have been on the statement and no such email informing me of such which I find it ultimately deceiving. They also refused to refund me the charge although it is my first time making such mistake. A mistake that I myself was not aware I was making. I have had banks like XXXX or XXXX whereby I made a mistaking if overdrawing to pay for my bills and quickly rectifying it with a deposit into my bank account and they will reverse the charge / penalty for such. Im really disappointed that Bank of America would not even do so for my as it is my first time such an instance had happened and I was not properly informed of the change of my bank account and its requirements.
( IMPROPER CREDIT REPORING ) To whom it may concern Im filing a formal complaint towards Puget Sound Collections aka PSC regarding their collection practices, bullying methods and unfair consumer credit reporting. Upon pulling my credit I discovered at least XXXX negative medical debt ( s ) that do not belong to me nor are the said individuals on my medical coverage. On XXXX XXXX XXXX I called the company ( PSC ) and spoke with XXXX XXXX and later met with her on the afternoon of XXXX XXXX XXXX in an effort to resolve the matter of improper medical debt reporting. She provided me with a list of the debt which comprise of family members that are not covered on my medical. The total sum of debt - {$15000.00}. This is not my debt and I did not accrued these debts and I am requesting immediate removal from my credit. ( Resolution ) I am seeking assistance to have these claims removed immediately from my credit.
I disputed the late pay indicated on my credit profile, that transunion updated on XX/XX/2016, still showing it was late, but I have a letter from XXXX dated XX/XX/2016 stating it was in deferment and not late. This indicates that Transunion did not investigate the issue reported to them.
My Equifax and XXXX reports are saying that I am utilizing over half of the available credit I have, because they are reporting that XXXX of my cards that have a zero balance, still have the balance prior to my paying them. What 's odd is that right after I paid these XXXX cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, as soon as possible.
I am an identity theft victim, I had an account with XXXX XXXX deleted from my credit report in late XXXX, early XXXX. I recently discovered that the account has been added back to my credit report. In accordance with the requirements of the FCRA Transunion was supposed to notify me within 5 business days of reinsterting the account, but failed to do so. I demand the immediate removal of the account from my credit report.
This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account.
The following is always a deciding factor when apply for or requesting increase line of credit. 
" Too Many Serious Derogatory Items '' I filed bankruptcy and was granted 6 years ago XX/XX/2017. There are no other derogatory items listed to be considered too many serious items. My credit report shows a good credit history and excellent payment history.
IN XXXX 2017 I TOOK OUT A LOAN OF XXXX WITH THIS COMPANY DID N'T NO THAT THEY CHARGE A XXXX  DOLLAR FEE IF APPROVED ON TOP OF THE LOAN WITH INTREST. AND FINANCE FEE OF XXXX BI WEEKLY .AND DID N'T SAY ANYTHING ABOUT XXXX FEE IF APPROVED. AND NOW ON THEY WEBSITE SAY THEY OPERATION CHANGE FREQUENTLY. AND THEY BEING USING DIFFERENT LOAN ID TO DEBIT MY ACCOUNT.
1. On XXXX XXXX, 2015, my wife presented her Chase MileagePlus Awards XXXX credit card for the {$3500.00} fee. The transaction posted on XXXX XXXX, 2015. 
2. On XXXX XXXX 2015, she contacted the merchant and presented my MileagePlus Club card for the {$3500.00} fee and was told by the merchant that the charge would be reversed on her card and the merchant provided a reference number for the charge reversal - XXXX. 
3. I did make payment on the full balance of my card for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. 
4. When the reversal did not appear on her statement she initiated a formal dispute of the charge. She was instructed not to make payment. 
5. The dispute resolution department has examined the documentation provided twice and determined " that the transaction was valid. '' 6. Despite the fact that I made full payment for the services rendered on my card, despite the fact that she was instructed to withhold payment : a ) Chase has continued to assess her financing interest ( easily corrected ), b ) and more importantly, Chase has notified the credit agencies of an adverse determination ( possibly irreparable damage to her credit )
I 'm writing to dispute, for the third time, Portfolio Recovery Debt Collectors. Had charged off credit card through XXXX owned first by XXXX then transferred to XXXX Bank and this still sits on all XXXX credit reporting agencies. Debt subsequently sold to debt collector, Portfolio Recovery Associates appears on all XXXX credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all XXXX agencies. 

THIS WAS TWO YEARS AGO AND STILL XXXX ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which Portfolio Recovery was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all XXXX credit report sections listing XXXX AND Portfolio Recovery Systems and a copy of their letter.
I had an annual paid satellite radio subscription with XXXX XXXX on my XXXX XXXX XXXX for the period XX/XX/XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident and my XXXX XXXX was totaled. On XX/XX/XXXX I spoke with XXXX and explained the situation and asked for my subscription to be SUSPENDED until I had purchased a new vehicle to re-activate and apply the remaining service months to my new vehicle. It was explained to me on that call that the service could be suspended for up to 5 months and I need to call before the 5 months ( no later than XX/XX/XXXX ) to reassign the subscription. On XX/XX/XXXX ( before the 5 month deadline ), I called XXXX and spoke to XXXX to have the service transferred to my new vehicle, XXXX XXXX XXXX. She assured me this would be taken care. Also note, the new XXXX XXXX that I purchased came with a free trial for XXXX that was scheduled to end on XX/XX/XXXX. So with the 6 month credit from the suspended service on the XXXX XXXX and the trial period on the XXXX I should have had XXXX XXXX XXXX through at least XX/XX/XXXX. Well sometime XX/XX/XXXX XXXX shutoff the satellite radio service to my XXXX and I contacted them through a live chat session. During this live chat, my XX/XX/XXXX call was confirmed about suspending service on the XXXX XXXX. Also during that chat, I was told a refund of {$77.00} would be sent to me right away for the unused service, but I never received a refund. So I never received the 6 month service I was due nor did I receive the promised refund check of {$77.00}. 

XXXX owes me at least 6 months of satellite radio or the refund check of {$77.00}. I certainly dont owe them any money. Now they have sent a balance notice to collections trying to collect {$50.00} from me??? They owe me a refund of {$77.00} or satellite radio service in my XXXX for the 6 month period.
My mortgage is currently serviced by Fay Servicing. They have been servicing it for approximately 4 years. Without exception, I have had 4 years of chronic issues of varying degree with them that only resolve when I file a formal complaint. At present, I have the recurring escrow account issue. I do not have an escrow account with them. I 've never had an escrow account with them because I handle taxes and insurance independently. Yet they have put in place and escrow account. I have disputed this with them and have forwarded paperwork to Fay Servicing indicating that I have insurance. My insurance agent has spoken with them and has also forwarded the same paperwork to them. Yet, nothing has been corrected. They have continued to charge an escrow and have applied my P & I payments to the escrow " deficit '' and not to my mortgage. They are also charging for the " unpaid '' P & I as well as late fees. I have tried to reach multiple times and have left numerous messages, but have not received a call back. Now they tell me that the property is in pre-foreclosure because I have not made XXXX payment. 
Unfortunately, this is not the first time I 've had the same issue with this mortgage servicing company. It is an ongoing, almost on a yearly basis, event. The result is always the same - we 're working on it, etc., etc., but there is little resolution. Verifying insurance and/or property taxes, and removing an incorrect escrow assessment should be a fairly easy job, not an almost 90-day production. 
I need resolution!!
Theres a collection account from XXXX XXXX XXXX In the amount of XXXX from XXXX XXXX. This debt was paid in XX/XX/2015by the deduction of state tax return.
I 'm very disheartened as my SS # was used to obtain credit by an unknown party. This occurred over 14 years ago. I spent a year clearing my name and the accounts were removed from my file however, the names that the individuals used ( not mine ) are still attached to my report. This is such an injustice to me and my family as it appears that I have several alias names. After trying for years to have the names removed, it seems that I can not. I do not have the key information attached to the accounts ... some accounts were used to purchase cars and obtain loans, using my SS # and a variation of names, all of which were obtained using my good credit. I discovered the theft with the assistance of my banker as she came across the names during a banking transaction ... further research showed that there were unpaid parking tickets in a different state. The car was traced back to me ... for which I did n't own. The car loan was obtained using my SS #, someone else 's name and a XXXX XXXX in another state. The car loan had been paid in full but the car was listed using my SS #. The police determined that the suspect was most likely a car dealer for which my husband and I had purchased a car from. The dealers last name was used in addition to variations of my first name ... the list of jobs associated with those illegally obtained credit reports are extremely old and were places that I had worked as a teenager ... I 'm XXXX and am a professional with a successful career and yet, some low life car dealer destroyed my credit, caused me to live a year of XXXX and yet, his name is attached to me forever? Why will no one remove the names? I just feel like I 've been violated all over again when ever I see those names on my reports ... having to explain to bankers, employers and showing the police reports after all these years just to prove I 'm the victim just seems cruel to me. Why can no one remove the names from my report? It 's not like there are accounts still pending ... that 's all been cleared ... it 's the names that are with me that I ca n't seem to shake. Please advise ... I 've tried everything but I do n't have any information left to even dispute ... there are no accounts, just some crazy names stuck to me like a disease. Am so frustrated ... even after all these years ... What 's really maddening, I do n't even need to apply for credit but the fact that a thief is tied to my good name infuriates me. 
Any help or advice regarding the removal of fictitious names would be a blessing. 
Thank you!