WillisBack/dataset-financial-user-claim huggingface dataset:
I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : XXXX XXXX XXXX.,  XXXX , XXXX  XXXX XXXX XXXX XXXX. XXXX., XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX All Previous employment history should be DELETED DELETE : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
I received a phone call from XXXX XXXX stating that I owe {$820.00} to a loan company called XXXX XXXX XXXX. The representative I spoke with did not provide me with a disclaimer stating this is an attempt to collect on a debt and she also recorded the call without providing any notification that the call was being recorded. She stated that this account was still on my credit report and that it had not been paid. I advised her that this account was no long on my credit report and the information she provided to me was inaccurate. The representative proceeded to tell me that I filed bankruptcy in XX/XX/XXXX which is also incorrect. I filed bankruptcy in XX/XX/XXXX. Then the representative proceeded to tell me that I opened the account in XX/XX/XXXX however the account was actually opened in XX/XX/XXXX. I repeatedly advised her that the information she was provided to me was inaccurate and she continued to repeat that I still owe the debt. Said representative proceeded to tell me about other companies that are sister companies to her company that I had filed bankruptcy on previously. She received my updated information through a current loan application with a company that is also her sister company that I was unaware of. I did not give permission for my personal information to be shared with this collection agency or any other outside source. I have disputed this information before and they have continued to keep it on my credit report. The information that I was provided by the collection agency was as follows : an account number, which does not match my credit report, XXXX. The account number that is on my Trans Union credit report is ending in XXXX with an open date of XX/XX/XXXX. There are five additional accounts from the same collection agency that have been removed from my credit report that were included in bankruptcy back in XX/XX/XXXX. There is one account that was also included in bankruptcy that has still not been removed that I have repeatedly disputed. XXXX XXXX agency is in violation of the FCRA and FDCPA. I was also told that if I wanted to dispute this account that I must come in person to address XXXX XXXX. XXXX XXXX in XXXX XXXX Oklahoma which is also incorrect. I have since received another phone call from the same collection agency on XX/XX/XXXX from a representative by the name of XXXX XXXX XXXX XXXX  cst in which I have a voicemail recording of. Previous complaint from XX/XX/XXXX went unanswered by XXXX. XXXX has also continued to run a credit check several times without my consent.
I have filed numerous disputes, information gets updated/corrected, then gets changed back to incorrect information. After numerous calls and discussions with several manager-level Equifax employees, nothing is resolved. For example, I have submitted documents that support my personal information. In this instance my 'name ' is XXXX XXXX XXXX , NO - suffix XXXX.. Equifax claims that a creditor is reporting the information but I have verified that none of my current creditors are reporting a suffix on my name. 

In addition, multiple credit accounts not being reported correctly such as status, balances, etc. I have called XXXX 's, XXXX, XXXX, XXXX XXXX and they all state that Equifax is a nightmare when it comes to reporting correct information. 

Also, all information is reporting correctly on XXXX, XXXX, and XXXX. This problem is only indigenous to Equifax. I have been checking my report on a daily basis, submitting new disputes, having creditors re-report the correct information. However, Equifax dispute system does not function properly. I am exhausted from this serious matter, please investigate this credit bureau.
On XXXX XXXX XXXX three withdrawals were made from my USAA checking account using an ATM card. Others were attempted, but refused as my daily limit had been reached. USAA reached out to me by text, automated phone call, and internal messaging inquiring about these withdrawals. In all cases I stated the withdrawals were fraud. I had not visited the state where the withdrawals occurred, and had my debit card in my possession. No one is authorized to use my card officially or otherwise, and I only use the card for foreign transactions. I have never provided anyone outside USAA my PIN. 

Since my declaration that these transactions were fraudulent, I have tried on numerous occasions using the USAA App or phone to officially dispute the charges, to trigger an investigation and ultimately funds restored to my account. The App could not process the disputed withdrawals. When I talked to banking personnel beginning XXXX XXXX, and approximately five subsequent phone calls, they said they could not dispute the transactions within the USAA system either. They then transfered me to the USAA Fraud section. I reached the Fraud section once ( XXXX or XXXX XXXX ), and they noted that no fraud case had been opened for my transactions. After XXXX minutes, my call dropped. The XXXX other times I called, I was referred to Fraud, but the call would drop before I was able to talk to them. At least two times my waits were for more than XXXX minutes. On XXXX XXXX, I asked that my issue be elevated. I was put in touch with an Executive Resolution Specialist. She said my transactions had never been noted as fraudulent, and no investigation had been opened. She said she marked the three withdrawals as fraudulent, and that by XXXX XXXX, my funds should be restored. I pressed, based on past experience, for some documentation or other assurance that USAA had actually acknowledged my dispute of these fraudulent transactions. She said she would call back after confirming with Fraud. After about an hour, I received a call that hung up before I could answer. I called back to the Executive Resolution section. The new specialist read me the notes, saying USAA COULD NOT RECORD MY DISPUTE. They had an IT issue, and it would take until XXXX or XXXX XXXX before they could record that I disputed these fraudulent charges. I said this was unacceptable. I requested to speak to the next level of supervision, preferably an officer of the bank. The Executive Resolution Specialist said no Managers were currently available, but one would call me back by the close of business XXXX XXXX No one called or left any trace of trying to contact me by phone, text, or internal messaging. 

Withdrawals were for {$50.00}, {$50.00} and {$500.00}
I have talk to them on the telephone and they calling block numbers on my phone so they can get in touch with me and I told I'm not working and no incomehow I can I send money on aold bill couple yearsback don'tthat make sense.
I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of XXXX, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with XXXX. XXXX  would not allow me access to my report. I have been denied credit because of this.
Throughout the years with all my other loans I have always been able to get Forbearance, Deferment, or Income-Based Repayment ( IBR ) but with the private loans I have to pay and every year the payment goes up ... ... ..I have no other options with the private loans at all ... .I 'm being told private loans have to be paid back and that there are no other options and that there are no loan forgiveness
I files a complaint with you all ( CFPB ) on XX/XX/2018 against Merchants Credit Guide account # is XXXX about a bill they have in there office for {$120.00}. I got a response from you all ( CFPB ). I did not want to fight the debt anymore and called Merchants Credit Guide this morning asking to pay the bill and XXXX XXXX or XXXX XXXX and his email is XXXX told me because I had filed a complaint with you all ( CFPB ) THAT I COULD NOT PAY THE BILL. SO I'M HOPE AND PRAYING NOW YOU ALL CAN HELP ME!!! CAN Y'ALL PULL THAT COMPANY TAPES AND LISTEN TO THEM BECAUSE THE SAID ALL CALLS ARE BEING RECORDED. AND YOU WILL SEE THAT THEY DO LIE. Like that lied in the RESPONSE they gave y'all with my first complaint that I made with y'all about them. My first complaint number with y'all on them is XXXX. I'm just trying to pay the bill and get this matter done and over with.
This is a complaint being filed after the denial of an assumption of a loan in XXXX as the " successors in interest ''. After the death of my father the borrower ( Estate of XXXX XXXX ) and my mother who died several years later ( XXXX ) was also denied assumptions of the mortgage. I'm now requesting assumption but was denied by all mortgage servicers, including Shellpoint. I was unable to have communication because I was not the borrower, but they had death and deed - right of tenancy of survivorship documentation. The also stated I needed to probate the property. In Florida XXXX, my father 's attorney provided the proper tool ( RECORDED DEED ) to avoid probate, especially due to my mother 's declining illness. 
All three servicers, XXXX, XXXX, and Shellpoint denied the opportunity for assumption of the loan as " successor in interest ''. It been over three years and I have not been able to be placed on the mortgage to receive loss mitigation opportunities to remain in the home even after two hurricane disasters -- Matthew and Irma. My RESPA and TILA have been violated. I have reached out to XXXX XXXX and have a case that is currently under review ( XXXX ) ; however, Shellpoint has a sale date for XX/XX/XXXX, that needs to be removed and forwarded in writing. I'm being dual tracked by all involved and forcing me to spend revenue on legal advise when it not necessary especially during the holiday season. 

The numbers in regards to the payoff of the mortgage are questionable. Huge questions in regards to legal fees, late fees, PMI, and predatory lending to the elderly. I have asked for a overview of the loans, " mortgage notes '' by all mortgage holders from the inception of the XXXX mortgage in XXXX. My father was clear about succession of the property, the transferring of deed was recorded in XXXX, several years before his " DEATH ''. And the balloon mortgages with XXXX, XXXX, and Shellpoint needs auditing before assumption. While XXXX XXXX XXXX was the original attorney used to foreclose on the loan, there have been several law firms thrown at my fathers estate, and not one servicing agency was willing to communicate with me ; ultimately coming back to foreclose without speaking or meeting with me in court -- mediation, arbitration, etc. My due process as the successors in interest to the property has been violated and criminal. The XXXX XXXX XXXX changed its name after not so great reviews with their relationship with XXXX.
I am writing to file a complaint that Equifax mishandled my personal information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Thank you.
XXXX XXXX, 2017, To whom it may concern, I am writing to dispute the information on my public record. This information does not pertain to me, it is inaccurate. The information below must be removed from my credit report as soon as possible. Thank you for your attention in this matter. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax : XXXX. Public Records This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. They can be contacted at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Bankruptcies
On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( Equifax , XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my Equifax credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with Equifax Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX, Equifax has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.
I received a prepaid American express serve that I did not purchase or apply for. whomever did had all of my personal information. when I contacted amex serve they seemed to be protecting the criminal and were not helpful at all. I requested account closed immediately.
Our loan officer notified us there are XXXX accounts of which we have no knowledge. XXXX account was shown on XXXX XXXX and we are disputing it. The XXXX account is on Equifax and we are unable to access it electronically. Requesting the report via mail and then disputing it, again by mail, seems to be an unneccessary delay. Since our loan officer was able to see information electronically, is there a way to allow us to see the report electronically? Thank you.
HI my name is XXXX XXXX. On XXXX XXXX, 2016 i received an email from XXXX XXXX stating that a new credit card account was added to my account, in which i have n't had any new ones opened in over a year. So i took the time to look at what it was talking about, and i found a Account for Victoria Secrets, I have NEVER had any account for them ever. I looked further into it and found that Comenity Bank added my Boyfriend XXXX ( Card/Account Holder ) Victoria Secret Account to my credit report, in which, i am not on the account in anyway besides that i am allowed to speak with them regarding the bill only. not allowed to do anything else with the card. They Added me as a Authorized user WITHOUT my permission and without my boyfriends permission. They got My SSN & my Address somehow WITHOUT my permission and used it ILLEGALLY to add and Account that is NOT mine in anyway to my credit report and i 've sent them a letter to remove it and said they ca n't because i am authorized on the account to SPEAK with them. ( I am only allowed to speak with them, I am NOT JOINT on the account in anyway either. Before i got my lawyer involved he told me i need to report this to FTC and the directed me to contact you guys. This needs to be taking care of, it has taken a very big toll on my credit score and i am very unhappy that i have to deal with something like this. Let alone what Comenity Bank has done to me is Illegal. Please contact me back ASAP.
I took out student loans for XXXX XXXX. Afterwards, I served in the XXXX XXXX XXXX from XXXX to XXXX. During that time, I told Navient that I wanted to make payments under the Public Service Loan Forgiveness program. The representative assured me that I was making qualifying payments. I learned in XXXX that three of my loans did not qualify for the program and had to be refinanced. I also learned that I was paying a significantly higher payment than I needed to.
I contacted this company at the start of XX/XX/2018 for collections found on my credit. I sent validation and I'm return I received a lease and a list of hand written damages. The lease was typed and was for an XXXX XXXX, which is not me. I responded to the company with questions about maybe my social or my ID. Because every apartment I've rented has taken copies of both. But received not answer back. It also looks like the lease was tampered with and dates were written over. Very shady!
I leased a XXXX XXXX XXXX. My lease matured in XXXX XXXX, so before the maturity date I contacted Lexus Financial Services and asked for 6 months extension. The rep took down my request and told me I should be notified shortly weather my extension was granted. I called a few days later and the customer service told that he could not see it but if I saw that a payment for the next month was available that meant that the extension was granted. I logged in into my LFS account and a payment for the month of XXXX was due. I made the payment and was under the impression that the lease extension was granted. The next payment notification came in XXXX so I paid it as well. A few days after the XXXX payment at XXXX XXXX in the morning a tow truck with two beasts gets inside my property and tows away my car. I get confused thinking it is a theft. I tried to get my stuff from the car to make sure it was not a theft, one of the beasts blocked me and they took off. I called the police department and was advised that it could be the financial services. I got doubtful because I knew I had made the payments. I called LFS they apologized and told me that the extension was never granted. I called another time just to pose a question weather they made a mistake or they really acted in compliance with the California laws. I asked them if the lease is past the maturity date and the extension is not granted are they supposed to accept further payments, and their answer was NO. A month after the incident they sent me a a letter thanking me that I returned the vehicle to XXXXXXXX XXXX which I did not and that the vehicle had excess mileage/and wear as defined by my lease agreement or I had some unpaid charges, or both. The the statement reads I owe them {$2400.00}. I called them again and told them that my vehicle had excess mileage but not in excess of XXXX miles which I paid in the two extra payments that I made after the maturity date. They had no answer but to insist that the amount was due and that it need to be paid off.
I am beyond exhausted with all of my efforts to have an outdated, closed and inactive account for more than 10 years, removed from my credit report. I closed my XXXX account in XX/XX/2007. XXXX went Bankrupt. Iit was acquired by XXXX XXXX XXXX and was later acquired by XXXX XXXX in XX/XX/2013. The account was acquired closed and inactive without legal notification of their acqusition. For the past 11 years, the reporting of this account has continued, without any data. XXXX has refused to delete an outdated account ( by their own rules and regulations ). XXXX XXXX clearly does not know the meaning of delete. XXXX XXXX, in error, has updated the account, claim that it is reporting it correctly and has claimed to stop reporting it. All they need to do is to delete the outdated account from my credit reports. Under the Fair Credit Reporting Act, I have a right to have outdated information removed from my credit report. Why has it been so difficult for XXXX to delete an account that they failed to provide legal notice of their acquisition, acquired a closed, inactive account on which there has been no data to report and after several certified return receipt requested communications, they still will not delete the account. There has also been numerous communications with XXXX and this issue has become a tennis match. XXXX sends you back to XXXX XXXX and XXXX XXXX sends you back to XXXX. Enough of the madness. I wish to have an outdated, closed, inactive account deleted from my credit reports. Why is this so difficult?
My wife and I received our US tax refund check, and deposited it into two of our accounts. The receipt for the deposit to my account is for more than was credited to my account, according to my account statement. No correction was made by the time of my next month 's statement, so I went into the bank for an explanation. They have no explanation, and say they are doing research to account for the difference. Meanwhile, they can give no date for the resolution of this problem, only to say that they are doing research and when the research is complete they 'll have an answer for me. I think that having to wait indefinitely is inappropriate but they refuse to give a date by which the problem will be settled.
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT.
I have a mortgage serviced by Nationstar Mortgage, I applied for an unemployment forebearance on XX/XX/XXXX and was denied in XXXX 2015, I appealed on XX/XX/XXXX and was denied on XX/XX/XXXX. The reason for denial was that I was told the investor ( XXXX XXXX ) denied because I had received a previous unemployment forebearance XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX and was informed that they have no cap limitations on the number of unemployment forebearance requests and they had no record of Nationstar even requesting an approval of my request. I was only 60 days delinquent when I submitted my request and due to the complete lack of customer service and the lies I have been told by Nationstar I am now 5 months delinquent and facing foreclosure. They have been absolutely no help in trying to keep me in my home.
I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is :XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.