WillisBack/dataset-financial-user-claim huggingface dataset:
I have multiple credit inquiries that I did not authorize. I have contacted  XXXX ,  XXXX , and Equifax to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted.
From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the debt was not valid. I sent them a request to have the item removed from my credit report on XX/XX/2018. Caine & Weiner instead sent me a bill with non of the information previously requested in my debt validation letter and they have not sent me anthing stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ), instead they keep harassing me with bills for a debt that has not been proven to be mine.
My Mortgage bank was XXXX XXXX and my loan servicer was America 's Servicing Company. I fell behind on my mortgage due to lack of employment. I then applied for a loan modification and within 5 months of the beginning of the delinquency, I was solvent again. I diligently responded to each information request and this daunting process lasted two years at which point I filed a lawsuit. The bank willfully complicated the process and gave out misinformation in order to stall the process and increase the delinquency balance in spite of the fact that I had the funds to pay the full amount of the mortgage. They refused to reinstate the payments and instead demanded the delinquent amount be paid in full. I did not have the cash to pay the full delinquency amount which quickly climbed from {$2400.00} to over {$20000.00}, because of fees that were tacked on. My lawyer ( XXXX XXXX out of XXXX, TX ) advised me to stop responding to the banks requests and let the lawsuit begin. XXXX was enthusiastic at the start of the case but soon became despondent. He intentionally filed a bond one day too late and then dropped off the map. He would not return my calls. I hired a second attorney ( XXXX XXXX of XXXX XXXX XXXX ) to continue the fight and I think they lost the case by using an argument that had already been shot down in Texas courts. Then I was advised by XXXX & XXXX to get my property out of the house soon in order to avoid the inevitable eviction ( which XXXX have facilitated the eviction ). I was evicted and homeless for 9 months while I restructured my life and was able to find an apartment. I lost everything fighting this bank that lied throughout the XXXX year modification application process, leading me to believe that I was eligible and that they were there to help. I 've documented the process on my blog page - XXXX
XX/XX/2018 I contact XXXX XXXX XXXX XXXX, the lien holder on my automobile, notifying them I had been laid off. XXXX informed me that I had involuntary employment separation insurance and provided me with contact information to begin my claim. 

XX/XX/2018 I received notices from XXXX XXXX XXXX XXXX that my payment was late. I contacted XXXX reviewing the situation and was assured it was being handled. 

XX/XX/2018 I was notified by a credit bureau XXXX XXXX XXXX XXXX was reporting me 30 plus days late on my loan with an outstanding balance. 

XXXX XXXX XXXX XXXX is either incorrectly reporting information to credit Bureaus or is willfully selling a fraudulent product of credit protection insurance.
We took out a XXXX XXXX private student loan in XXXX. The loan became due XXXX and the payments were so high we were unable to make payments. We never made any payments because XXXX XXXX refused to negotiate a payment that we could afford. In XXXX, we pulled our credit report through XXXX and the Status Details of the loan stated : As of XXXX XXXX, this account is scheduled to go to a positive status. In XXXX, we pulled our credit report through XXXX and the Status Details on the loan stated : The account is scheduled to continue on record until XXXX XXXX. XXXX XXXX, would be XXXX years since the loan was originally opened and 10 years since the loan became due for payment. The Reported Since date on the credit reports from XXXX was XXXX and changed to XXXX on the XXXX credit report. It appears that XXXX XXXX ( Navient ) is altering dates on our credit report to extend the time they can negatively impact our credit report beyond the 7 year law.
The Original Creditor ( XXXX  XXXX XXXX ) closed the account of {$670.00}. An unauthorized account was opened by TRANSWORLD SYSTEMS on XX/XX/2013. Nothing is due to TRANSWORLD SYSTEMS, who has also tried to collect the same debt under the name TRANSWORLD SYSTEMS INCORPORATED, because I never agreed to a contract with them. The unauthorized account opened by TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORTED on XX/XX/2013.
I went to XXXX Univeristy in XXXX XXXX, IN. I took out private student loans to help pay for school and immediately began repaying them when the loans went into repayment. That was XX/XX/XXXX. It has been nearly 5 years since I made my first payment and my balance has n't been touched on the largest loan I have through AES/PHEASS. When I applied for these loans I was barely working full time for $ XXXX/hour and supporting myself on my own ... very meagerly. However, the lender informed me that if I qualify for {$1000.00} loan then I also qualify for a {$30000.00} loan. That was XX/XX/XXXX. How can being credit worthy for {$1000.00} mean that I 'm equally as creditworthy for {$30000.00} especially at that income? While I was in school it capitalized until it totaled {$45000.00}. I 've been paying more than my statement says I owe, sometimes by as much as {$300.00} ... yet the principal on the large loan still never goes down. 

So I attempted to take action, now I 'm scared I 'm being scammed again. I got a call one day from XXXX XXXX who said he was a financial advisor through XXXX XXXX. He put me in touch with a group saying the loans were predatory ( I agree ) and if I pay half what my loans were for ... their lawyers will prove the loans are invalid and will have them dismissed. Has anyone heard of XXXX XXXX XXXX., XXXX XXXX, or national legal staff support? These are the people claiming to handle my case, and I just recently was sent a power of attorney form to have notarized in case lenders refuse to release information. I am afraid to go forward any more than I already have until I know this is n't a scam. How do I fix the damage I may have already caused myself by following their directions and not paying the lender? 

I feel like without doing something, I will never pay these loans off. Until last month, I 've paid faithfully, and usually more than I owe. I do n't understand how I 'm not getting anywhere when the bill says I owe {$95.00} but I have paid {$400.00}. Where is my money going and if I owe it, why is n't it on my bill!?
On XXXX i requested a loan with Avant. Upon receiving a denial email i called to try to find out why as i just had a loan thru them that got paid off. I was informed that that info was unavailable over the phone and the rep could submit the request for a denial letter with more detail to be mailed to me. I made that request and as of XXXX i have yet to receive such letter in the mail.
Late last year, in 2015 I went ahead and applied for a CITI Gold Package account. The account package offered a XXXX XXXX XXXX miles bonus directly targeted to me. The miles where to be awarded to my XXXX XXXX account after meeting XXXX stipulations, that I pay XXXX bills from the account and that I spend at least {$1000.00} using the debit card. I completed both of these stipulations well within the time frame allotted and for the last six months have invested over 5 hours of call time and a number of emails have been sent over to Citi in order to get to the bottom of why the miles have never been added to my XXXX XXXX account. I feel that Citi is using these promotional tactics to bait customers into opening accounts and then reneging on their end of the deal. I do n't feel that this practice is fair to consumers and I feel it is predatory.
Opened Capital One Card, within short time was alerted fraud charges in TX were showing up. New Card issued XX/XX/XXXX. Promised credit fraud protection..

Then in XX/XX/XXXX I looked online at my credit cards and bank statements horrified I found Capital One had issued a new Card to persons unknown using my name and attempting to move my perm.Address to Colorado. I have been in contact with them daily or every other day and yet things do not seem to be resolving. I closed a XXXX XXXX account that was paid off and no activity unknown nature but the Platinum Card they are still playing with. Refunding then taking back, via phone took money from a XXXX bank account and I had to close my account so Capital One couldn't take any more. And mad at XXXX did a via phone transaction to them.In 10 yrs have never done a phone transaction why didn't XXXX alert me..

They have made no effort to notify the businesses that they have been stolen from contact the police in my state or TX after I filed a report.. They just think it's not a issue ... Yet they were supposed to be protecting my credit since they allowed the breach in XX/XX/XXXX and allowed it again in XX/XX/XXXX and XX/XX/XXXX I live in KY. I spent almost 2 yrs getting my Mother 's home out of my brothers greedy paws after her death and will not be moving to Colorado or any other state.!!!
We are co-signors for a loan my son, XXXX XXXX had. Apparently, he stopped paying his loan in XX/XX/XXXX when the collection attorney assigned by Citizen 's Bank no longer used this attorney. We acknowledge he should have called the bank and resumed paying his loan. The problem is that we, as co-signors of the loan were never advised. On XX/XX/XXXX, we noted that {$10000.00} was removed from our checking ( {$3000.00} ),  savings ( {$5500.00} ) and my other son 's checking account ( {$2000.00} ) without any notice. We received a letter from the bank, dated XX/XX/XXXX but not received until XX/XX/XXXX that they were doing this. Had we known of the non-payment issue, we could have worked with my son and the bank to resume the payments and to pay towards the outstanding. When we called the bank, they said they were within their rights to do this. I disagree as the XX/XX/XXXX bank form they sent ( we have been members of the bank since XX/XX/XXXX ) showed they could apply setoffs, but they never advised us there was a dispute. This is creating a hardship to be able to pay bills and replenish my other son 's account ( which was his savings to begin paying his loan once he graduates from college ) from my retirement savings.
I have disputed this collection account with PIF 3 times and they have been unable to validate the debt. There is no contract or signed contract and have requested this collection account be removed from all  XXXX  of my credit reports,   XXXX   XXXX   XXXX   XXXX  . This collection account is still reporting on my  XXXX  credit report. I also disputed wi th the Credit Bureau (  XXXX  ) to  have this removed because the collection account can not be validated and they still continue to report this collection account on my credit report stating it has been proven valid and it has not.
I have tried numerous times to to work with Equifax to have fraudulent student loans removed from my report to no avail. On or around XX/XX/XXXX, i reached out to Equifax to inform them of fraudulent student loans which are appearing on my credit file. They still have not removed the items.
From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Chase. They refuse to provide the necessary information based on above mentioned letter ( Attached ).
I had a business account with bank of america, I never used the service, disputed the account, complained about my salesperson XXXX, after going round and round with this bank, they finally closed the account, with a XXXX balance, so I thought, while all this was going on, I filled a chapter XXXX bankruptcy, this account was included, the bank was notified, we gave them the attorney information, they were also notified by the bankruptcy courts, in fact I spoke to the bank directly, want to say about a month ago, which brings me to today, bank of america turned over a charged off business account to a collection agency, which is demanding payment, for an account that was already included in chapter XXXX bankruptcy, our bankruptcy is active/current, there are a few issues with their major mess up, first, they have already been notified of a chapter XXXX bankruptcy, months ago, the account they sent to collections was included, secondly, under an active chapter XXXX bankruptcy, at NO TIME are they allowed to collect a debt, while I am in the plan, which is for XXXX years, furthermore, they sent my account to a third party collection agency, without doing their due diligence, if they would have done their homework correctly, they would have properly documented my account and placed it in the collection que, which they did not, this bank and the collection agency XXXX XXXX XXXX CA XXXX phone number XXXX my file number XXXX, have violated my right under the FDCPA and Bankruptcy protection chapter XXXX ... ... ... ... 

On Thursday XX/XX/2017 I called the collection agency, spoke to XXXX of their XXXX, she was rude, kept talking over me, would not give me an opportunity to fully explain what is going on with this account, told her they bought bad paper, she wanted to argue with me, told me no they did not, she then told me " This is not going to be a XXXX way call '' then without giving me an opportunity to give my attorney information or explain whats going on she hung up on me ... ... ... .. 

This is clearly another violation under the FDCPA for harassment, if the collection agent, would have shut up and allowed me an opportunity to fully explain what was going on, this matter could have been resolved, without me filling a complaint against BOA and the collection agency, I want them prosecuted to the fullest extent of the law ... ... ... ...
In reference to a previously filed complaint Equifax has not responded to the CFPB : I filed a complaint with the CFPB ON XX/XX/18 complaint # XXXX Equifax and XXXX are continuing to report incorrect information on my credit report. They are reporting : THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
XX/XX/2015 Amount was XXXX Person calling me to my wife 's phone number and stated they have been sending certified letters to an address I've not lived in 4 years. Also telling my wife that they will suspend my licence. Freeze my bank account and go after any assets. I'm willing to pay but can not pay the full amount at this time. They lady said they would settle for XXXX and now they want more to stop from sueing me.
This is a Rewards XXXX XXXX Account with Capital One. Terms call for XXXX reward point to be awarded for every {$20.00} in average monthly balance. So, if my average monthly balance was {$100000.00}, then I would receive XXXX reward points for that month. Historically, points have ALWAYS been credited at the end of a month or early the following month. 

I recently ( late XXXX 2015 XXXX made a substantial deposit that more than doubled the cash balance in this account. However I have yet to receive -- it has been 40 days as of this writing -- a point reward that reflects this larger balance. When I contacted Cap One I was told that a " systemwide computer issue '' is to blame and that I should receive my reward points within 60 days but, if this does n't happen, then I should call back, open a case and the matter will be investigated further. 

XXXX final points:1 ) In addition to reward points, there is also a cash interest component associated with this account. Cash interest continues to be credited at the end of each month, as it always has been. No " systemwide computer issue '' here. 

2 ) Reward points from this account are, effectively, cash equivalents in that they can be used to offset travel purchases -- airline tickets, hotel expenses, rental cars, for example. 

3 ) I have had this account for over XXXX years. At no point in the past have I ever had to wait over 40 days to have reward points credited to my account. Only recently, after the balance increased substantially, has this issue arisen. And frankly, Capital One 's explanation about a " computer issue '' is not credible, in my opinion.
In XXXX 2014 I made a purchase in the amount of {$240.00} or around that amount of what I believe was being debited from my debit card through a secured PayPal account because I put my debit card information in the box in which it requested. A XXXX later, I received an invoice from PayPal and I immediately called them to ask why did they send me an invoice when I made the purchase on my debit card. She asked did I want the {$300.00} line of credit or not. I said no, I pay everything with cash and when I made this purchase, I thought the debit card I inputted was used to process the transactions. She responded, if I did not want the {$300.00} line of credit then I would have to pay it right now. I said why should I have to pay for something that I did not authorize. She said if it was not paid now then it would have to be reported to the credit bureau. I told her that this was unfair since I did not authorize the credit in the first place. She did not listen to me and therefore I have been stuck with this line of credit due to me having to have it reported on my credit. I feel the practice that was used was deceptive and put me in a situation that I did not knowingly sign up for. I want to pay off the current balance which is {$160.00} however I want any and all negative reporting on my credit to be removed.
InXX/XX/2017 Google cancelled payments to my " wallet. '' They never notified me until I inquired. To which I was told, via email, they suspected fraud. I was given no way to discuss the matter over the phone or in person. I was told via another support person that my account was being investigated. 

They will not tell me what is wrong or reopen my account. I have {$930.00} US Dollars in the account that I can not withdraw. 

It is very misleading that I can have an account that they can choose to shut down without explaining why and not letting me access funds. 

Goggle wallet/spend is horribly unregulaged and they use and sell my personal information. There is no way to contact them as the " investigators do not have phones, '' as i was told. So what is stopping them from stealing everyone 's money?
On XX/XX/2018 I received a message from auto dealer that my Equifax was locked and I needed to contact Equifax to have it unlocked. This was a result of my applying for credit to purchase a new car. I searched for Equifax online and attempted to log in to my account. I discovered that I had forgotten my password so I followed the instructions to request a new password. That requested was not accepted and I was instructed to call Equifax for assistance. I did call and the person I spoke with told me that she had no record of me ever having an account. I assured her that I have had an Equifax record for may years. After an exhaustive conversation and extensive verification questions she told me that she was sending me a temporary password. She did send the password while I was online with her and I told her that it was rejected. I asked if she could send a second temp password. She abruptly said she was transferring me to someone that could help with my password. She did transfer me and the new person started from scratch asking me even more verification questions. By this time I was getting frustrated because no one seemed to understand why I was calling in the first place. I asked to speak with their supervisor. A third person came on the line and started asking me the same questions.Name, birthdate, SSN, etc. She then started asking me about past accounts that I had already answered with the previous two agents. She first told me there was no freeze on my account then went on to say that I had no account. I told her about the previous agent sending me a temp password. She then told me that she was going to put me on hold and asked for assistance. At this point I was very upset. I told the agent to just forget it and I would contact the XXXX XXXX XXXX. 

Being concerned about the safety of my credit report, I went online to Annual Credit Report.com and was able to access my Equifax report. I advised the auto dealership of what had happened. 

I am concerned about the safety of my credit history with Equifax.
I have sent Equifax numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are not responding.
I ordered my free annual credit report from all three bureaus XX/XX/2018, received my XXXX and XXXX  reports but have yet to get my Equifax credit report. The FCRA states that a consumer is to receive their requested credit file no later than 15 days. I dont care if Equifax is having high volumes of equests because that is not my problem, its Equifax responsibility to provide me with a free copy of my credit file within 15 days of requesting it. They are breaking the law and in violation of FCRA, they are potentially ruining my credit by not providing me with my credit report because I have no knowledge of what is on my credit report with Equifax.
Convergent collections posted false and damaging information on my credit report, alleging debt to a company I have never done business with. Also convergent never contacted me by phone or mail regarding this " debt '' to even give me a chance to dispute it before they posted it to my credit report. Also there is no contact information on my credit report for me to contact convergent " collections ''