WillisBack/dataset-financial-user-claim huggingface dataset:
About four months ago i discovered that i have been a victim of identity theft. At that time i had filed an identity theft report through www.identhithytheft.gov and reported my finding to all three major credit reporting agencies ( equifax, XXXX and XXXX XXXX ). all the account that was reported on my credit report that was opened up by the identity theft person was removed from XXXX XXXX and XXXX. but in the other hands equifax has not done nothing to my dispute letters and my rights as a consumer and all it states in my credit report ( consumer disputes - re investigation in progress ). this has been gone for four months and they have not done nothing to protect my rights.and that is the reason i am here now to get help resolve my issues.
In 2016 while making a purchase at Target I was asked if I wanted to apply for a Target card to receive 5 % off my {$28.00} purchase. I agreed, I apply and I was approved for a Target Store Card. Weeks passed and I never received my Target card, and frankly I forgot about my {$28.00} purchase. Months later I am contacted by Target Card Services and told that my account is in collections for over {$130.00}. I am told that the balance is a result of my initial {$28.00} purchase plus late fees and interest. We discover during the conversation that Target Card Service had my address incorrect. I appears that the Target representative who I handed my drivers license to when I made my {$28.00} purchase, incorrectly entered my address into the Target Card system. Subsequently, Target Card Services sent my Target Card and statements to the wrong address. I updated my address with Target Card Service and quickly agreed to pay the initial purchase amount of about {$28.00}. However, I refused to pay the late fee and interest since Target Card Service incorrectly captured my address and failed to send me the card or statement balance. Target Card Service acknowledged that they incorrectly entered my address at the time the Target Card application was taken but they have taken a very hard stance on the late fees and interest, and have refused to remove them from the account, even though they acknowledge their error. Now they are attempting to collect the outstanding {$100.00} and have report it to my credit report resulting in my credit score dropping from XXXX to XXXX. I think it is grossly unfair for Target Card Services to acknowledge they captured the wrong address, sent my new Target Card to the wrong address and continued to send my Target Card statements to the wrong address and then attempt to collect {$100.00} in fee and interest. As soon as Target Card Services contacted me, I paid the initial purchase by phone to them.
I Purchased a home XX/XX/2014 ... the title company I used for closing was suppose to record the title with XXXX XXXX XXXX XXXX. It is now XXXX and the title was never recorded. I was trying to refinance with my current lender for lower payments and rate, but due to the title company not having my title recorded my deal had to be rejected because they have been dragging their feet in recording my title. 
TITLE COMPANY : CAPITOL TITLEXXXX XXXX MD XXXXCONTACT : XXXX XXXXCONTACT NUMBER : XXXX
XXXX bought XXXX charged off hsbc nevada credit card accounts. They then began to report them as current debt on my credit reports, I have never been sent anything from them and would not have even known they were being reported on my credit reports unless I hadnt gotten a copy of my XXXX reports. I disputed both accounts as old debt but my dispute was denied. I have never seen anything from XXXX that I signed nor, any correspondence from them regarding these XXXX old hsbc nevada credit cards.
There is a collection that just appeared on my credit file through MIDWEST RECOVERY SYSTEMS collecting for XXXX XXXX, I have never had an account with XXXX XXXX. this is fraud. Please help
I have made every attempt to dispute this account with both XXXX and Trojan Professionals. XXXX stated that Trojan Professional verified this debt. It will be impossible for Trojan Professionals to verify a debt that do not belong to me. I have not received anything from Trojans with regards to this debt. So they are in violation of the FCRA. Please assist me in getting this matter resolved.
US bank local branch closed my account without informing me until two weeks later and did n't pay out to me remaining funds in an amount of {$390.00}. Nobody seems have an answer as when I will receive my funds.
Received a notice of debt due in a letter dated XX/XX/XXXX. The debt results from a lease that terminated on XX/XX/XXXX, there was no early termination of said lease as claimed by the creditor. 
On XX/XX/XXXX, I received notification regarding my ability to renew my lease. XX/XX/XXXX within the 60-day period, I requested that my lease be renewed for a period of 10 months. On XX/XX/XXXX, I received a notice of eviction. 
On XX/XX/XXXX, I went before the Justice of the peace court in Texas regarding the eviction. The judge ruled against the creditor and we agreed that I would vacate the property on or before termination date of my lease. On XX/XX/XXXX, I delivered a letter to the creditor that described the terms of our agreement regarding the termination of my lease and my vacating the premises. 
On XX/XX/XXXX, the creditor served me with another notice of eviction. I moved out of the property in question on XX/XX/XXXX. The creditor is accessing me an early termination fee and various other charges under the lease which terminated on XX/XX/XXXX. I have disputed the validity of these charges by certified mail on XX/XX/XXXX and XX/XX/XXXX with the collection agency and the creditor. 
I have requested by certified mail on XX/XX/XXXX and XX/XX/XXXX copies of documentation, including a copy of my lease, to date, I have only been provided a copy of my lease and not other documentation which could potentially resolve this matter. 
On XX/XX/XXXX, I received notification that the amounts in dispute were being filed with the national credit bureaus and shown as " disputed ''. 
On XX/XX/XXXX, I receive notification that my original complaint was closed to the Federal Trade Commission. The creditor claims that the lease was terminated early. Not such termination exists. The lease expired on XX/XX/XXXX and I was not provided with any opportunity to renew my lease as I stated in my notice dated XX/XX/XXXX. 
Further, the parties agreed in front the judge that I would vacate the premises on or before the expiration of my lease. I did so as we agreed.
Spent several hours on the phone and online on XX/XX/2018 with EQUIFAX attempting to help my XXXX year old father put a freeze on his account for security purposes. The EQUIFAX call center is in the XXXX and my father had a very difficult time understanding their English. The EQUIFAX reps refused to allow me to help him. They ask him numerous very difficult questions regarding his identity, such as his current credit card balances, old residential addresses including old zip codes, etc. When I attempted to help him answer, they refused my assistance. We finally gave up in frustration. My repeated attempts to freeze his account online were also fruitless. Each time I submitted all the information they requested I was looped to the beginning and was never able to confirm the freeze. The mail in form they directed me to has a glaring typo in the first sentence and an XXXX, Geogia address that does not match other addresses that I found for Equifax. That Address is : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ge. 
XXXX. The form I found online is entitled, EQUIFAX FREEZE REQUEST FORM. Please note the typo in the first sentence and the lack of clear instructions. I had no diffiulty in freezing my father 's accounts online with the other three major credit bureaus. Inasmuch as the geniuses in charge of EQUIFAX created this nightmare through their incredibly incompetent business practices, I would think they should be required to offer far better service. Thank you for your assistance in this matter. 
XXXX XXXX, caregiver  for my father XXXX XXXX
I have requested MULTIPLE TIMES for Experian to provide in righting the EXACT reason  XXXX   XXXX  from my report. I am NOT asking at this point to have it put back on. We can deal with that after I have received a written reason why it was removed.
I received a voicemail on my cell phone stating they were a collection agency ( Nationwide XXXX or something along those lines ). She said her name was XXXX XXXX and she was calling from the XXXX and were in the process of filing XXXX serious complaints about me to my state 's clerk office. She said they will serve me at my place of employment or residence. They said they would not file the complaint or take me to court if I contacted them to take care of the situation. They called my mother 's cell phone and left a message asking for me and saying the exact same thing I stated above. 

I called them back and gave the case number they provided on the voicemails. They gave me the last XXXX of my social and had an old work email. They said i took out a loan in XX/XX/XXXX and did not pay it back. They had the last XXXX digits of an old, closed bank account number ( which I do n't know if it was correct as that account has been closed since XX/XX/XXXX i believe ). They said the plaintiff is XXXX. I have no idea who that is, nor did I take out a loan in XX/XX/XXXX. I told them I would like to get this resolved, but that I have no idea what this could be. So I asked them to send me paperwork so that I can accurately look into this. They told me they do n't have any such paperwork and that they can only send me a receipt once I pay or set up a payment arrangement. The amount due is only a little of {$700.00}, but I refuse to give my bank information to people I do n't know. I checked my credit report, and I do not have anything listed from XXXX or any other collection agency I do not know of.
I went to my ban k (   XXXX   XXXX   XXXX   ) a nd got a cashiers check for {$2000.00}. I then took that casheirs check on  XXXX   XXXX ,    2017   (  the day my rent was due ) and deposited that cashiers check into my landlords account at his bank  ( Chase Bank ). The tell er who helped me at chase bank handed me a deposit slip and said I was ok to leave, so I left thinking everything was okay. My landlord then called me several days later saying he never received our rent and was threatening with eviction so I went to the bank immediately to figure out what was happening. Chase bank said it was an error on their part and that they would credit my landlord the {$2000.00} while they figure out where the original cashiers check went. Again, I left chase bank thinking everything was ok. I then get a call from chase bank a week or so later to find out that they closed the case, took back the credited {$2000.00}, and are basically trying to tell me that they never received the cashiers check in the first place and have no record of it. They then told me I need  to get a surety bond so that I can place a top check on the original cashiers check and get a new one issued. I called the company that I 'm supposed to get a surety bond from and he told me that this whol e situation sounds fishy and that he had dealt with something like this before and it turns out that the bank was doing something they should not have been doing. He told me I should call the FDIC and have the whole case checked out.
When the information from XXXX first went on my credit report over one year ago my credit score dropped by over XXXX points. It was a voluntary surrender of a XXXX. I voluntarily assumed responsibility of the residual and have never missed a payment. It was reported as a charge off but also a repossession. I did not pursue having anything done with it until recently. Today I received a reply from Equifax. 

Supposedly the derogatory remark ( repossession ) was removed from the file and I now have no accounts with derogatory statements. However, they dropped my credit score XXXX more points. The only other change to my report by them was a credit card balance increase of {$740.00}. I have no accounts with late payments. I have no accounts with any type derogatory information. There is absolutely no justification for this drop except for retaliation. I filed a complaint with my bank concerning unauthorized charges having been placed on my credit card by Equifax. 
When I first became aware that my credit score had dropped ( thru XXXX ) I had gone on line to retrieve my free credit report to see what had caused the drop. I signed into Equifax '' s web site. I could not find any way of getting a free report on the site. They did however offer a report for {$1.00}. I decided that it was only {$1.00} so I gave them my credit card number. Apparently somewhere in some small print that request committed me to a monthly report that they would charge me {$29.00} a month for. I did not become aware until they had already charged me for two months. Although I never received or in any way accessed these so called monthly reports I was unable to get any part of the {$58.00} returned. In fact the only way I could prevent future charges was to cancel the credit card that they were using and have a new card issued. To make this matter worse, my bank informed me that this was a common complaint about Equifax and that they had encountered it many times. I wrote a letter to them telling them what I thought of their actions. 

If there is not going to be some type of regulation to cover this type activity then everyone needs to be made aware to never file a complaint to them or about them. Your credit score is very important. That they can arbitrarily drop it so drastically without repercussions and no recourse to the consumer is unacceptable. 

As stated before I only had those two changes to my report. The removal of it being a repossession was a positive. I had already been punished by a drop of over XXXX points for a simple voluntary surrender. In that case I did not have much option. I was ordered by divorce court to sell it. I was so upside down with the loan I could not do so. By turning it back to the bank they were able to get a big chunk of their money back when they sold it. I immediately started making payments on the residual and have not missed a payment on that in the past two years. That only leaves the additional charge to my credit card of the {$740.00}. So they dropped my score almost XXXX point for every {$10.00} that I charged. I see no justification whatsoever for this action.
I am trying to figure out who this collection company is XXXX XXXX XXXX I have never signed anything from them and I just want them to verify that it's me that owes them {$560.00}, I've sent letters and have got them removed from XXXX but not XXXX and XXXX
I have been having an ongoing issue with cashcentral taking payments from my checking account on random dates without notifying me beforehand and they are not sending me receipts afterwords wither. On XX/XX/2018 I filed a complaint ( XXXX ) against them the first time it happened. It caused my account to be overdrawn and left me without any money and a pile of late fees as well. While they did eventually refund the money, they still have continued to charge me without notice or receipt. They admitted in the first complaint that it was an error on their end, but they have yet to take any actions to correct said error. 
I wake up today to find that my account is again overdrawn due to cashcentral. I am having extreme financial issues, which was the reason why I took out the loan to begin with, but I am now much worse off because of it. The last payments since my first complaint have been taken out on XX/XX/2018 XX/XX/2018 and XX/XX/2018. The dates of the last two payments are early and should not have happened. I am unfortunately living check to check at the moment and if these payments were taken out when they were supposed to be, I'd have no issue, but this has caused me an extreme amount of stress. 
I have not received any mail, email, or phone notifications from this company in regards to my payment scheduled payments since XX/XX/2018. These payments are supposed to coincide with my paydays and be taken out every two weeks on Friday. I am now yet again dead broke with no other option other than to wait for this complaint to be received and reviewed while I struggle to find money for food, travel, and other bills.
I do n't have info on specific dates and times because I called them every time. They should have those records. I did contact them on  XXXX  last week where they said they 'd call me and have n't yet. Basically, I closed my bank account ( thank  XXXX   )  and ordered a new credit card as far back as  XXXX . Since then I 've talked t o 5+  agents who all said they changed my address and I 'll get my card through rush shipping. I 'm getting charged all sorts of late fees when I have n't even been regularly billed! Now that I am getting billed, they can only seem to send bills, not my credit card. 4 months later. No card, but I 'm still getting billed for each time they do the rush shipping. And my online account has been locked so I have n't been able to change anything on my end. Absolutely ridiculous.
There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on XXXX for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on XXXX  for {$63.00} Please remove unauthorized inquiries from my credit file : 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
On XX/XX/XXXX, I was contacted at work. A voicemail was left on my phone stating that I needed to contact XXXX and set up a time to be served because I was going to be sued. I returned the phone call. They stated they were collecting a debt on behalf of Bank of America. They stated that I needed to make a payment on the debt. the debt was over  {$500.00}, and with their fees, it came to {$900.00}. I asked the agent about the statue of limitation. I asked was the debt time barred. The agent stated no because they could collect since the bank was going in bankruptcy. I asked them to validate the debt and he stated he couldn't. I could either set the arrangement or get sued. I told them that that was not my debt, however, my only option given was to make a payment. They set up to take a payment on XX/XX/XXXX. I followed up with Bank of America. The account was closed in XXXX. The debt was from XXXX. They stated that they were making no attempts to collect anything. I spoke with XXXX XXXX, who stated the account was sold to a debt collector called XXXX in XXXX. The statute of limitations have clearly passed. I received another call today from XXXX, indicating that they were still trying to collect. I informed them that I had spoken with the bank. I also informed them that their attempt to collect and threatening to sue in XXXX XXXX Court was illegal on a debt that was over the statute of limitations. The agent failed to remove or stop debt collection attempts, even after I told him what the agents had stated on a recorded phone line.
This is a complaint from XXXX against Bureau of Med Economic for Bureau of Med Economic 's failure to provide requested information for the debt alleged. As of XXXX 2017, Bureau of Med Economic has been reporting an open credit account for the XXXX. On XXXX/17, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Bank of America colluded with XXXX XXXX to artificially inflate my homeowners insurance policy well beyond the cost of the policy. XXXX XXXX engaged in kickbacks to Bank of America XXXX XXXX XXXX XXXX as well as " profit sharing '' payments, and other costs unrelated to the procurement of new coverage. Your assistance would be greatly appreciated.
XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number : No Account Number listed. PLEASE REMOVE XXXX XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. Original XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID
I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you
As surviving spouse  I am having an extremely hard problem getting my late wife credit report from Equifax. I complied with original instructions of sending her certificate of death and copy of my license.  I received a letter from them stating I also need notarized order of probate court showing me as executor or testamentary that shows I handled my wife consumer affairs.  Neither of these XXXX documents exist. As residents of Pennsylvania none were required because, according to our estate attorney, everything from bank accounts, investment account to property, (house and cars, etc.) were jointly owned. Under PA law all assets were automatically and WITHOUT court orders become the owner of the surviving spouse.   After XXXX hours on the phone with Equifax they would not budge. They told me I am not entitled to see report unless I can produce a document that does not exist and never needed to exist under the laws of Pennsylvania.  Thankfully I have not had this experience with XXXX and XXXX.
I lost my wallet with Social security card & ID & piece of paper including my email address/its password too and I didn't know even my another cellphone line SIM card was in it, thats why I didn't deactivate it. I mean somebody could use my Email, phone, my signature and all my personal data. XX/XX/XXXX I did pay some monthly payment for that credit card, because creditor did call me and I was trying to take care of this account ( even its not mine ) for keeping my credit report clean.
We. File. Bankruptcy. In. 2011. All. Been. Cleared. XXXX. It 's, from. Equifax. A. Credit. Card. For. XXXX