WillisBack/dataset-financial-user-claim huggingface dataset:
Attention XXXX and if possible XXXX and XXXX  Delinquent Account ; XXXX XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX systems about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same i guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. 

Please Correct
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax handled the situation horribly. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for only the most dedicated users to figure out. 

I have never chosen to do business with Equifax and yet my personal data has been breached because they do business with others who I do business with. This is intolerable that data can be stolen without the knowledge of the individuals put at risk.
My mortgage is in default. The last payment I made was  XXXX   XXXX . I was unemployed from  XXXX   XXXX  through  XXXX   XXXX . While unemployed I tried to apply for an unemployment/underemployed forbearance under Makin g Homes Affordable.  My mortgage company would not take the application because I had no income.     When I got a job in  XXXX  I applied for a modification although my income was only about {$38000.00} per year. I was turned down again. I have since returned to work in  XXXX  and back to making a regular salary. I reapplied for the modification and was approved on  XXXX   XXXX ,  XXXX . I was told that all foreclosure proceeding where on hold.     I called the company twice. First to ask them for the 40 years loan product to allow me to catch up on all of my financial issues not just the mortgage. I was told once before that this was a product they offered but I had to apply for a modification. When I received the offer on the modification and asked for the 40 year product, I was told they do n't have that. I would have to accept the modification, go through the trial and then ask about a 40 year product. I called back the second time to let them know that I would accept the modification. I signed the papers and returned them to accept the modification.     Today, I get home and the  Sheriff 's Sale  Notice Foreclosure was posted on my door. My home is up for sale by Virtue of a Writ of Execution issued out of the   XXXX   XXXX   XXXX   XXXX   XXXX   I called my mortgage company for them to help me understand what was happening because the foreclosure proceedings were supposed to stop once they received a complete loan modification application. The representative spoke with management and came back to tell me that this was in case I defaulted on the offer. She said though there was an agreement, my first payment was not due until  XXXX   XXXX  and that they have not received any money from me yet and they needed to have this set up in case I defaulted. I went back and forth with the agent letting her know that they were dual tracking my account and that it was against the law.     I let her know that the sale date for my home was scheduled before my first trial payment. She said they would push the sale date back but they were keeping the sale date for their protection. I let her know again it was against the law and she said it was n't and we were at a stand still.
What has happened over the last few years is when I request a copy of my free annual report from transunion they tell me the information they have on file for me does n't match what I have just given them. Then they request copies of sensitive information from me via mail. Not gon na do that. The letter I received from transunion for this year 's request says the address does n't match what they have on file so I need to send them proof of address. Please note i have lived at current address for over XXXX years. Is it legal for them to ask for proof address. In the letter it says i can go on line and request to view it there. So I logged on to there website and tried to view it by answering XXXX questions. My answers did n't match. So I was given a file number. Same number that was in the letter. And a phone number to call. This leads to the second problem, the first name on the letter is XXXX my first name is XXXX. I answered the XXXX question security thing for XXXX of the other credit reporting agencies and I recognized the answers right away. Not the ones from transition. So I have some serious concerns about what 's on my credit report from them. Please help
XXXX XXXX, 2017 2 accounts were removed from my credit report. On XXXX XXXX 2017 they were added back without any notice. This is illegal. XXXX XXXX XXXX XXXX Added back on XXXX/XXXX/2017 without notice.
WORKS & LENTZ INC-OKC Added back on XXXX/XXXX/2017 without notice.
On XX/XX/2017, my credit card was auto-drafted without my awareness. I did not receive a bill or notification from Golden One Credit Union for the amount due until after it was reported 30 days late. The debit was paid in full upon receiving notification of the amount due.Furthermore, I have never been late in the past, nor have I ever carried a balance on the account.
Nationstar Mortgage, debt collector, sent me an " ABANDONMENT OF ACCELERATION '' on XXXX XXXX, XXXX. However, XXXX agent foreclosed on the property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Instrument XXXX was recored and executed in the XXXX XXXX Real Property records. 


CAN ACCELERATION BE ABANDONED AFTER THE FORECLOSURE SALE IS COMPLETED?
A XXXX XXXX XXXX  collection appeared on my bureau debt was paid directly to hospital and nothing is owed to XXXX
XXXX responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both XXXX  and Equifax reporting the same account ( XXXX XXXX XXXX XXXX   ) both agencies reported inaccurate information without proof taking the word of a 3rd party.
On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.
Recently I pulled my credit report and saw this {$3600.00} debt that I do not owe. I tried to file dispute with XXXX and they need to reach out to the creditor, so I left voicemail and also mailed a letter to the creditor " Security Credit Service ''. I need Security Credit Service to show proof and provide evidence of this debt and remove this debt from my credit report. So far I have not receive any response from this creditor " Security Credit Service ''.
My son XXXX XXXX XXXX XXXX last Saturday. He was attending XXXX XXXX College a few years ago. This college went out of business. Originally, this was a parent plus Federal Loan and then Navient took over the loan. We have {$5000.00} left to pay on this loan. I have been paying XXXX XXXX dollars a month on this loan. I called the company and they said I was responsible for this amount. Even though I have always paid on this loan every month, they upped my rate to {$130.00} a month and will not forgive the loan. I am grieving for the loss of my son and having to pay funeral expenses at the same time. I was hoping this company would forgive this loan, but were totally unsympathetic on the phone and are making me pay the loan off. This company is a predatory lender that takes over Federal Student Loans and charges parents for students who are dead. My next action is to take them to Small Claims Court if nothing can be done about this.
SNAAC has been charging me late fees of XXXX per month and somehow is saying the late fees are now equal to {$490.00} but I have been charged the late fee in the monthly payment. They are also stating that the {$420.00} repossession fee is the third party fee for calling the company to pick the vehicle up. After talking to the third party they stated they have no set fee however SNAAC is still not removing the fee. They are overcharging me on the payments and then still charging me late fees
My Home equity line of credit matured a little over 2 years ago. I have asked numerous times for the bank to term out the balance so i could pay them back over a period of time understanding that i would pay principal and interest. I continued to make payments for approximately 2 years. My payments are almost always on time or before the due date. 
About 3 months ago they started sending back my payments and sent me a letter saying my only option was to pay off the balance in full at this time. I asked for the balance and payoff and it seemed reasonable since i had continued to make payments in amounts greater than the interest monthly that showed on my statements. Now they send me a balance owed of over {$10000.00} in additional interest and the principal balance that appears to be that which it was more than 2 years ago??? I can not reach a manager to get any explanation of how this could be nor can i get anyone to agree to term out my payments of principal and interest once i get an agreement on the correct balance owed??? Please help me get to someone who can answer these questions and clearly discuss my option to repay this within my ability.
I was informed by XXXX XXXX that they were an authorized XXXX  provider in the XXXX XXXX XXXX XXXX XXXX  Plan. They were listed in the XXXX provider directory as well. I made an appointment for a XXXX XXXX, I paid XXXX XXXX {$140.00} for the procedure. They told me the balance was billed to XXXX. Several months later I received a bill for {$120.00} from XXXX XXXX. They told me XXXX did not pay them so I must pay more. XXXX XXXX informed me that they lied to me and that they were no longer in the plan when the procedure was performed. 
I feel this is a scam, I could have had the work done for {$100.00} at 3 other XXXX providers. 
They have turned this claim over to an agency that has messed up my credit with a phony collection claim. 
I do not have the funds to fight them. 

Thank You for your help
Equifax, XXXX and XXXX are reporting that I have inquiries on my report that I have no knowledge of.
On XX/XX/XXXX, XXXX XXXX made an agreement with me to take off a debt if I paid it in. 

On XX/XX/XXXX, I paid the debt. 

After checking my Credit Report, they neither notified XXXX/ XXXX XXXX of the debt being paid off, nor took it off my Credit report. 

When I called XXXX XXXX, they told me it was not their responsibility to tell the Credit Agencies, nor XXXX XXXX that I paid the debt, But it is still there. 

I am including both my letter and proof of payment. 

Account name XXXX/XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$1200.00} written off. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX Type Charge Card Terms NA Credit limit or original amount {$800.00} High balance {$1200.00} Monthly payment {$0.00} Recent payment amount {$100.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
I have paid off my student loan ( account #   XXXX   ). On  XX/XX/XXXX , Discover Student Loans issued me a letter saying that they owed me money under a Consent Order with the Consumer Financial Protection Bureau and had issued me a check in   XXXX   that I had not cashed. I never received that check. The  XX/XX/XXXX  letter gave me until XX/XX/XXXX  to reply to have the check reissued. I was out of the country for work between  XX/XX/XXXX  and  XX/XX/XXXX , giving me no time to actually respond to the letter. When I called Discover today,  XXXX , the agent, was incredibly nice and explained that because the date had passed I would have to contact CFPB directly online as stated in the letter. There is no instruction on the letter about where to go on that webpage or what to do when I got here. I would like them to arrange for me to get the money owed under the Consent Order.
In XXXX 2017 I received an email with a promotion from Capital One. I entered my information on the application and was instantly approved for a {$300.00} and {$3000.00} credit limit. Both cards were shipped out on XXXX XXXX, 2017. When I received the cards and tried to activate them I was told that I had to verify my identity which I did by providing a bank statement that was requested from me. The restriction on my card was then lifted which I have the voicemail from Capital One fraud dept telling my that my cards are good to go and I can now use them. That same day I tried to charge groceries and my card was declined. I was embarrassed to say the least. When I called the fraud dept back I was told that I should of never received the cards because several people had mistakenly received the same offer and that my cards were cancelled. I feel that was discriminatory because my credit is my credit regardless of what anyone else was offered. I reapplied like they told me I could and was denied quickly because I already had a pending or previous application with them. I would like to know how does my credit get me approved with a promotion and denied without the promotion? Who are they marketing this promotion to? what demographic of people. I am a very hard working father, husband and grandfather and being declined at the grocery store caused me to be humiliated in front of the entire store. I was just told the same day that my card is available for use.
I received a targeted promotion in XXXX, 2016. The offer code is XXXX, which is earn XXXX AAdvantage bonus miles if I open a Citigold account and with in 60 days complete : 1. XXXX qualifying bill payment for XXXX consecutive months 2. spend {$1000.00} in purchases using the Debit card I signed up for the account at the end of XXXX, but I did n't receive the debit card and pin until early XXXX. 
I had less that 30 days left to complete the XXXX requirements and it was impossible for me since XXXX of them ask for XXXX consecutive months. 
I chatted with the Citi online representative in late XXXX and was given until the end of XXXX to complete all the requirements. I did complete all the requirements in XXXX and I did the online chatting again, the representative confirmed about the extension and that I completed all the requirements in time and I will be rewarded automatically. 
Over 3 months have passed, there is still no bonus miles posted as promised. Citi wo n't acknowledge the extension I was given and insist I did n't complete all the requirements in XXXX. 
If Citi do n't correct this dishonest mistake upon this complaint : 1. I will pull all my money from Citi, which is over XXXX USD. 
2. I will write to the Citi Executive office. 
3. I will publish the story and all the evidences I saved to public media. 
4. I will write to the State senators ' offices. 
Please check the online chat log on XXXX XXXX. It will prove that I was given the extension until the end of XXXX to complete all requirements.
XXXX XXXX has given my information to Diversified Consultnts to collect on a debt for XXXX. I have disputed this collection on XXXX, XXXX 2017, XXXX XXXX 2017, and XX/XX/2017. Each time this account was removed from my credit report. This company keep reporting the same account using different account numbers. Which is illegal and unfair I have worked hard to have a good credit report. Only for them to make my score drop every time. I dont know how to stop them I have spoken with them and the credit bureau but, no one seem to help. I need for them to remove me for their database. And to clear my credit reports. The most resent is XX/XX/XXXX just when I was to speak with a mortgage company.
Supposedly this is for a   XXXX   XXXX   card debt of {$50.00} from five years ago.
# on my caller id was :  XXXX  Person I spoke with IDd himself as :   XXXX   XXXX   The address he gave to his office is ( written dispute ) :   XXXX   XXXX   XXXX  ,  XXXX , VA  XXXX  He refused a verbal cease. He also demanded the reason why I disputed the balance other than I dispute. I told him I disputed the balance and to send validation. He denied to do so stating I need to make a written request to the above address.
He denied a cease request by phone and told me I had to do so by written request to another address. I refused to take it explaining I do not have to make a written request for their company to cease calling me. He kept stating that he was only trying to help me and asked me to take down a different address to cease. I declined, and told him I know my rights and I do not have to make a written request to your company to cease, and any further attempts to contact me will be harassment and a minimum 1k fine. I ended the call.
I asked him on numerous times if the call was recorded, and he stated it was. ( doubtful in my opinion ).
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed and all files under my public records does not include the information and should be deleted from my credit report
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 
Debt validation requests were sent on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
On XX/XX/XXXX I submitted separate, multiple requests via letter to Equifax Credit Bureau as well as each Creditor, requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

The inquiries that I requested be investigated were as follows : XXXX ( XX/XX/XXXX ) -XXXX/XXXX ( XX/XX/XXXX ) -XXXX XXXX   XXXX ( XX/XX/XXXX ) I can not stress enough, not one of these hard credit inquiries were authorized by me. At no time did I give  permission to any of the above institutions permission to access my credit file. 

As noted above, on XX/XX/XXXX I requested Equifax to investigate. On XX/XX/XXXX, I received an automated response via letter not informing me of any investigation process, but to inform me of how inquiries may have been added to my credit file. I did not ask them how inquiries may end up on my file, I asked them to investigate my unauthorized hard inquiries. 

Equifax did not investigate anything, they failed to move forward any due process in this matter. 

One Creditor also wrote me back in the mean time stating that they ( the creditor XXXX XXXX ) won't even investigate the inquiry and asked me to contact the Bureaus. So if XXXX XXXX wont investigate, obviously they can not verify the inquiry. With that being said, Equifax should remove it. 

Equifax is not doing what they are supposed to do. I am attaching the automated response they sent to me via US Mail, I am also attaching a letter that XXXX XXXX wrote to me stating they will not investigate anything.
I submitted a dispute over 30 day late payments for XXXX XXXX XXXX XXXX and the system malfunctioned would not let me attach my documents which show my payments were within the 29 days before reporting to bureau. I decided I would upload the documents the next day but within less than XXXX hours on Experian said they verified all data as correct without providing their process or proof. I dont believe they could have adequately conducted a thorough investigation in the time frame and may have sent me an automatic response reply instead. I understand they are probably getting overwhelmed due to the fallout from XXXX and consumers checking their credit reports but these incorrect late payments are affecting me getting a safer place to live due to my area of in XXXX, TX being severely affected and undergoing extensive cleanup before renovations can begin.
My wife and I opened a Chase Freedom account. When we made our first payment we had a typo in the account/routing number. After we corrected the info, every time we make a payment the payment is put on hold. We never make late payments and all of our payments are way above minimum $ XXXX- {$500.00} every time ) They have no problem taking our money but when we need the funds we just paid them ... now we have to wait for the to be removed.
I was enrolled in auto-pay for my 1-01 Direct Loan - Subsidized,  which was unexpectedly and without notice cancelled on XX/XX/2018. As a result I missed my scheduled payment on XX/XX/2018 by one day. I was never notified by Navient that my auto-pay enrollment was cancelled. The Navient representative was unable to find out why my enrollment in auto-pay for that loan was cancelled.There were sufficient funds in my checking account from which I make payments on top of that. I immediately made the payment manually on XX/XX/XXXX. I set up auto-pay enrollment precisely so that I could get peace of mind when making repayments on my student loans. It is irresponsible for Navient to cancel enrollments of its customers and without notice. I receive a monthly email from them confirming payment. When I did not receive it this morning I made sure to check. Had I not checked my loan could have gone into default eventually.