WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent numerous of certified letters to Equifax concerning the block that has been added to my consumer credit file. After trying to receive credit, I have been told that I have been denied because there is no reporting on my Equifax credit report. I than contacted Equifax by phone and explained to them that I am having problems with creditors who I have applied for credit with are telling me there is no findings from Equifax reporting. I than was told by one of their employees that, there is a block on my credit file and if I wanted to apply for credit, the creditor would have to call them around their business hours and then and only then will they release my credit information to them. I told the employee that they could n't do that and it has caused several inquiries on my credit report before I was told by one of the creditors that they are not showing any credit file on me from Equifax. I was then told even if I wanted to view my own credit file, that I would also have to call in to receive it. I then went on free annual credit report this year 2016 and were told that they could not release my credit report from Equifax until I send in a copy of my identification. Every year that I have been freely receiving my credit report from all three credit bureaus, Equifax is the only one I have to keep sending in documentation to. I did receive a response back on XXXX XXXX, 2016 stating and I quote " Currently there is not a 90-day freeze reporting on your credit file. Currently your file is being handled in the Office consumer affairs. Any and all concerns will be handled by the office of consumer affairs. The file was " Randomly '' picked for quality purposes. We want to make sure we are assisting each consumer according to OUR policies and Procedures. The file will remain in the office of consumer affairs indefinitely at this time '' I want something done concerning this issue with Equifax. I want to file a lawsuit against them I have lost sleep, headaches, unnecessary inquires on my credit report because I did n't find out what the problem was until a later date. I want to also file charges against them and need to know how do I move forward. Hope this is a start in getting some type of relief from this nightmare. I have also been DENIED ALL XXXX CREDIT REPORTS THAT I TRIED GETTING FOR MYSELF WITH : XXXX XXXX www.free annual credit report.com Thanks
XXXX XXXX Promised to fix mine and my mothers credit. They said they had 7 negative item removed but as far as I see what they said they have removed it was still showing on my report I contacted them and asked for my refund due to no improvements and no delivery of services promised. They tricked me into resigning up promising they will do better this time. But they havent put one foot into fixing credit as of now.
My student debt was resolved paid in full back in 1999 when 4years of income tax returns were offset for the debt but XXXXand? Never Applied offsetc towards the student loans! I have tried working Department of Education IRS the treasury Department and the Bureau of fiscal management since the year 1999 to present day ombudsman reviewed and investigated this but could not get the original accounting from XXXX XXXX and asked me to get it in the meantime Federal servicing XXXX XXXX put my loans in default when they were asked not to I need help in this matter
I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with TransUnion. TransUnion supposedly investigated it and came back and said that proper validation was provided to them. In TransUnion 's letters dated XXXX/XXXX/16 and XXXX/XXXX/16, they state " If interested, you may also request a description of how the investigation was conducted along with the business name, address and telephone number of the source of information. '' I have requested this information more than once and they will not provide it. If this does not get removed, I will file a complaint with the Federal Trade Commission. TransUnion is bonded by the State of Texas and they are required to remove any and all invalidated debts. They are refusing to do so and are refusing to provided the written documentation showing this debt has been properly validated. They are violating my rights and I will not allow it to continue. Do your job and remove this invalidated debt. YOU ARE REQUIRED UNDER THE LAW TO DO SO. In fact, XXXX has now closed this account because they recognize they can not validate it. Obviously, TransUnion is not doing their job and has not been able to validate the debt. This is not my debt and must be removed. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I did not enter into any lease agreement with that apartment complex. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? TransUnion will not remove this account even though it has not been able to properly validate it as being my debt. Thank you.
Midland Credit has called me repeatedly using various phone numbers over the last week. They called my husband ( also on do not call ) on XX/XX/2019 asking for me as well. 

Today XX/XX/2019 I asked for the name of the person calling - XXXX XXXX - and asked for his supervisor 's name and he refused. This XXXX XXXX kept asking me if he could record the telephone call. 

I have no outstanding debts. I have excellent credit. I have frozen my credit. There is no reason for them to call me.
Experian failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b.
Diversified Consultants Inc. has been sending me harassing me w phone calls ( up to XXXX per day ) and letters ( XXXX or more per week ). They claim to be collecting money on a 4 year old XXXX account, but when I called XXXX they said the account closed and that I never owed a debt. I have disputed this with the XXXX credit reporting agencies and they removed the Diversified Consultants claim a month ago. But the company refuses to stop contacting me even though the debt does n't exist. I have requested proof of the debt and they have not provided it ( it does n't exist ) but they still keep contacting me. They refuse to talk to me unless I provide them with my SS # and address, I think this is a scam to steal my identity.
Hello, This bill was paid in full. I had previously contacted the biller and they confirmed the bill was paid in full but my credit report was never updated. 

Please contact me at XXXXXXXXXXXX with any or all help associated with this. 

Thank you, XXXX XXXX
I expressed my frustration with trying to get HSBC Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save wife, children and myself, from homeless. HSBC Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XXXX XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note to the Unites States, yet HSBC Bank has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case 10 CH 14885. The Illinois State court have ignored the fact HSBC did not send any notice of acceleration or default notice before filing foreclosure suit. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? HSBC admitted in Court they did not offer me any trial modification, they admitted in court the assignment was created by the attorney XXXX XXXX who is the Plaintiff 's HSBC attorney who is employed by XXXX XXXX XXXX who falsified documents claiming to by an MERS Vice President. What good is the Consent Order agreement if it is intended to be teeth less?
I purchased a one time credit report and FICO score from Equifax. The credit score analysis indicated that my most recent late payment was 2 months ago. However, my credit report does not show a late payment for at least a year. I contacted Equifax via email and received responses. The responses were general in nature that late payments have a negative affect ; however, it did not address the issue such that the credit score is indicating a late payment from 2 months ago while the credit report itself shows no late payments in at least a year. I further pursued clarification from the Equifax who indicated that I should call their customer service. I called the customer service number and spoke to an individual who provided the same generic information - that late payments can have a negative affect on my score. 

Both products were purchased from Equifax at the same time - I provided information that the score indicated a late payment two months ago and asked Equifax which account was reporting it. They were unable to tell me, and the credit report itself does not list any late payments for any accounts newer than 1 year old. 

Someone, somewhere is reporting a late payment on my credit report and it is n't showing at all - If, as a consumer, I am not able to see all information reported then the spirit of the FCRA is not being met. I ca n't dispute an item that does n't actually appear on my credit report ; if it does n't appear it should not factor into my credit score. 

I 've attached to this complaint the credit report showing no late payments in the last year, and the screenshot from the FICO score purchased from Equifax which indicates the last late payment was 2 months ago. 

Thank you for your consideration, XXXX
I have just found on my credit report that I have a collections attempt from Company DIVERSIFIED CONSULTANT Payment Status Collections Status Date  XXXX / XXXX / XXXX  Balance {$830.00} Balance Date N/A Address  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  As you will see in my previous complaints datin g back 2 1/2  years :  XXXX   XXXX   XXXX   XXXX   XXXX  contacted me in  XXXX ,  XXXX  about  a   XXXX   XXXX   XXXX  bill for {$830.00}. I paid them on their web site on  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX    XXXX  FL  XXXX  with a card ending in  XXXX  for {$820.00}.     Clearly  XXXX   XXXX  DID NOT inform  XXXX   XXXX   XXXX  that the bill was paid as an entirely new credit reporting agency has taken up this collections notice.     I can not express enough my distain for  XXXX   XXXX  and their totally corrupt and on-going business practices.
XXXX .XXXX clinic said I had a copay for {$960.00} which I paid upfront.I got a account XXXX and additional amount.I called then up and told them I have already paid it.They send my bill to a collection agency.I called and tell them I refuse to pay it because I have already paid it 1 year later the XXXX clinic send me a XXXX for XXXX for over payment I called the collection agency and offer to pay them They refused the amount .My credit record is ruined and they still do not want to listen to me or help me Why am I beiing punished if they could not do there work
I have submitted several request to XXXX, Transunion and XXXX as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.
My son and I have the same name and address, I own the home, my son moved out about 6 months ago, he apparently didn't pay his bill, I called the company, the account was SSN # based, I told them my SSN #, didn't match but they refuse to take it off my credit history, I am trying to buy a car for work, I have called, written x4, they won't move to fix this.
When I went to XXXX to make a purchase I was asked to apply for their visa card to get a discount on my purchases. 3 months later ( XXXX XXXX 2015 ) I get a call from a collection agency telling me I owe a balance that I have not paid and they have put my " Delinquent '' account in collections. I was shocked because I always pay my full balance as soon as I get my statements. In this case I never got even one statement from this company. They told me the address they sent it to and it was not my address. It turns out that the bank handling the card " Synchrony Bank '' had made a mistake and sent it to a completely different address in a different city. I told them my address and also told them to get me out of collections immediately since it was their mistake. I would happily pay my original balance without the fees attached but they would have to correct the balance and send me a statement first. Nobody on the phone was helpful in this case. They have given me a bunch of different numbers to call and when I asked for a supervisor to correct this situation nobody came to the phone and left me holding the phone for a while. I finally hung up and tried to call XXXX headquarters and the bank themselves but when I called the bank number an automated message came on saying my account has been sold to another company. I am very disappointed and angry. I just want to pay the amount for my purchases ( XXXX ) and I 'm not responsible for their mistake. They need to mend what they have done by correcting their report to my credit. I did not deserve any of this. I am going to complain to XXXX as well and will never shop there again and will make sure I will make sure my friends and family will not shop in Gap either. I 'm still waiting.
I was cancelling my service with XXXX in the first couple of days of XX/XX/XXXX.I asked what amount I owed for the few days of the month of XXXX. The lady told me that they could not compute that prior to the next month 's billing and I would at that time be billed only for the pro rated amount due. When I received a bill it did not have a pro ration. I called then told me they would correct that. When yet another bill came out, it showed a credit for that next month for approximately 90 % of the bill, BUT THEY SHOWED THAT THE ACCOUNT HAD BEEN CANCELLED IN A PRIOR MONTH, AND THEREFORE THE CREDIT WAS GIVEN AGAINST XXXX OWED, AND THEN I WAS BILLED ON THAT SAME BILL FORM the full amount of the previous month, it was shown as over due. ( That would be the month that the credit should have applied to, and it would have shown the correct amount due, and it would be the first time that I was given these figures and therefore could not be considered over due. I wrote a letter which has now been sent to different addresses for XXXX. I have never had a response to my letter, instead I have received pre recorded credit collection calls, the same one approximately six times per day. None of those were ones I could give this complaint to. One call did come in I could not get the number to call which referred to my letter, But no one was repeated where I could answer.
Ocwen loan servicing is running a unorganized white collar crime operation using forgery and fraud, malicious threats, violations, so-called prior XXXX XXXX XXXX increased loan modifications with my forged signature and initials, manufactured documents, rubber stamping, violations of notary laws, void assignment, manufactured note, intentionally waiting out statues, slander of title, credit reporting violations, prior manufactured force place insurance policies, false principal balance, false payment history, and then cozied up with corrupt fraudulent cozy XXXX and XXXX XXXX XXXX XXXX using insider relationship using robo authorized agents and crooked lawyers who commit fraud claiming to have looked at all the manufactured documents having personal knowledge assisting cozy pretender lender loan servicer can embezzle my property I own free and clear so the pretender lender loan servicer to temporally increase its revenue. I sent crooked young shady lawyer XXXX XXXX many emails requesting loss mitigation options because I am unable to communicate with fraudulent troubled white collar crime incompetent Ocwen Loan Servicing. XXXX XXXX intentionally failed to respond to my many request for mitigation option to avoid fraudulent trustee sale only to help his white collar crime client embezzle my property I own free and clear. The authorities are involved in my matter as we speak. The pretender lender loan servicer slandered my title once again recording another fraudulent notice of sale. Due to the fact that shady XXXX XXXX XXXX intentionally recorded fraudulent trustee sale on my birthday and crooked lawyer failed to respond to my many requests for assistance to avoid fraudulent sale, I am forced to litigate my matter in bankruptcy court.
XXXX XXXX XXXX spoke with XXXX MSL # XXXX on XX/XX/2018 and he stated Navy Federal Credit Union would remove the credit hard inquiry from my XXXX, XXXX, and XXXX  Credit Report since it is not reporting in Navy Federal Credit Union System. 
XXXX XXXX XXXX did not authorize Navy Federal Credit Union to make any Hard inquiry and view his credit report. It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumers credit report. Demonstrate that the hard inquiry for Navy Federal Credit Union dated XX/XX/2018 met this requirement, pursuant to the Act. 
Please delete Navy Federal Credit Union hard inquiry from my XXXX, XXXX, and XXXX  credit report immediately that Navy Federal Credit Union maintain under XXXX XXXX social security number without my permission. XXXX XXXX would like confirmation letter that Navy Federal Credit Union has removed and deleted this hard inquiry with XXXX, XXXX, and XXXX credit agency.
This USAA FSB account # XXXX is Paid-in-Full and Closed.  However, XXXX  CRA and XXXX  CRA continue to incorrectly report as Open.
XXXX and Transunion is reporting my XXXX XXXX XXXX XXXX is a charged off as a bad debit for {$9900.00}. This is inaccurate, This account was paid in full which is reporting paid 100 % paid off on my XXXX credit report.
Chase is holding my {$5800.00} business check deposit for 13 days. That is absurd.
My credit report shows a hard inquiry from XXXX. I have a XXXX card and have not used it in well over a year. XXXX balance. I am not looking for a second XXXX card and did not request one for me.
" " '' I have disputed this Charge off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' ''
I contacted Bank of America because my recently issued chip cards chip stopped working. This was due to no fault of my own. I called to get a replacement because some stores will not accept my card if the chip does not work. I was told that it would cost {$5.00} to replace the card. I did nothing to damage the card and did not lose it so I should not be penalized by having to pay a replacement fee. I asked for a non-chip card and was told that was not possible. This card is my Visa debit card attached to my bank account. If I did something that caused the damage I could potentially see paying the fee. Now I have a card that many merchants will not accept. I have been a bank customer over 20 years. As a result of this I am Bank shopping since this is not the first major inconvenience by Bank of America. I know the fee is relatively small, but its the principle. I did not ask for this chip card nor did I damage my existing one so why should I be penalized? Not to mention there are no options besides either having a bank account with a card that most merchants will not accept in a card present environment.
I have mailed a validation letter requesting that they explain and show me how they calculated what you say I owe. I mailed this letter on XXXX XXXX, 2015. It has been more than thirty days and have yet to receive proper validation information on this account. They continue to report this account on my credit report however I am trying to understand why they claim I owe this debt
My late husband open this account without my knowledge. He was XXXX by police because of his XXXX, leaving me in debt and unable to pay his debts. I 've already had a voluntary repossession of my car. I will have to file Chapter XXXX bankruptcy is this debt is pursued.
In XX/XX/XXXX the circumstances at the time, I had to trade cars. The dealer got my loan with Santander. the payments and interest were high but at do the time I could not do anything else. I have paid my payments but most of the money is going to interest. My son co-signed for me, but in XX/XX/XXXX, he had to file bankruptsy Somehow my car was in the middle of this and was told more than one thing. at first I was told my care was included, then it was n't, but Santander would not tell me anything about my loan, did not get statements, etc. I was to just make my payments to them. XX/XX/XXXX I made over {$2000.00} to get the payments caught up from where I was told I my care was part in bankruptsy. Santander took {$130.00} {$1300.00}. for interest. Now I just got a letter saying I need {$3400.00}. or they will get my car. I asked for a printout of my account, which they did not want to do, but finally did. That is when I saw that I owe more now than I I did a year ago. I do n't have {$3400.00} to give them by XX/XX/XXXX.
My home equity line came due in XXXX 2015. I 've had the loan for 10 years. I was not given notice or warning that a balloon payment was due. It was n't until I saw that my credit score going down did I realize that my bank considered me delinquent on this loan. I have continued to make payments on the line, but because of the derogatory credit items that they have placed on my credit report, I am no longer credit worthy to qualify for a new loan. Today I received a notice that my loan was in default.