WillisBack/dataset-financial-user-claim huggingface dataset:
Good Morning, In regards to the Equifax promised XXXX  XXXX credit monitoring & free credit report freezing. 
Not only have my credit accounts been compromised, but Equifax continues to be negligent with helping consumers protect their credit. I went to www.equifaxsecurity2017.com/ as instructed by Equifax announcement. I filled out the Equifax form to get free credit protection. Equifax then sent me an email saying that they would send me another email to finalize my enrollment and activate my product. It has been 7 days since then and I have not received an email from Equifax to complete the enrollment. 

I ca n't freeze my accounts until the process is completed. So my credit is still vulnerable. 

I called the Equifax call center and they did n't have any info about activating my product, but told me to call another number. How do I know who is on the other end of this 'other number '? My confidence in Equifax is null. 
Please help consumers protect their credit and make Equifax follow through on their promiss.
I applied for my annual credit report online through the FTC official website at  XXXX  and the  XXXX  credit reporting agencies I request a free credit report from refused to give me the opportunity to dispute an existing problem with over-charges b y two  institutions for a subsidize and unsubsidize direct loan,  perkins loans   plus there suppose to be in deferment status and   XXXX   is reporting or posting the wrong information on my credit report. I tried to request a dispute and their webpage refused to meet my request. In addition, my complaint involve s two financial institut ions that serviced the student loans  XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX . I believe a direct loan check was cashed in my identification and I 'm being billed for the over-payment.
I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
I was denied a equity line of credit by XXXX by Experian.XX/XX/2015. 
1.Experian states insufficient number of accounts paid as agreed. My question which accounts are they talking about and simply address them and not XXXX pages. 
2. Installment loan delinquency. Which one/s and address them singly 3.They state public records. They do n't know what the circumstances of these bear. 
Paid one have circumstances that a Judge may have felt was better than wasting the Courts time.XXXX XXXX was a section XXXX tenant on crack cocaine.To continue in court for a judgement would have resulted in no collection. So time to file against her after getting a judgement lapsed and i paid her to move. 
4.XXXX XXXX Attorney . Handled a case against XXXX XXXX Attorney who was my partner in a real estate property. In a settlement his fee was overlooked and he purposely filed this claim. He was paid in full. 
5. Experian states past or present credit obligations. I want the list/s that they are referring to and not XXXX pages. If XXXX is XXXX XXXX they are under review with The California Dept of Justice. 
Also i want to know how Experian rates the different causes o late payment, loan delinquencies, public records, past and present credit obligations. As it seem each reporting agency differs and reflect in your scores different. There is no across the board scores and what is the system that Experian uses and why are the years that are reflected on reports computed.
I had a mortgage with a bank where I was experiences mistakes in handling of my escroe things. I have filed a complaint here about that and the bank just continued it until it was closed with no resolution. I found a bank that would refi, did so and did much better however again with escroe- the old bank after being paid in full, notated account paid in full, XXXX balance for almost 2 weeks responded to my inquiry about returning to me my escroe balance which was XXXX, sent me a confirmation message that the XXXX would be sent in 15 days. So I waited and when not receiving it I contacted them again. This time they balance had changed and they show a lesser amount being sent to me while maintaining XXXX dollars on the account which is still open. I inquired about why they kept the XXXX and they say for the PMI which was paid in arrears. I have batted this back and forth with messages to them which is no different than I had to do when they made mistakes in my escroe before. They tell me I owe XXXX for a PMI payment although the last PMI payment was posted XXXX the pay off XXXX showing all was paid the account shows paid in full in capital letter and XXXX balance. Yet with nothing showing to be owed on the account they kept XXXX and by the way XXXX was the PMI payment not XXXX. The PMI does not renew until XXXX and is paid yearly not monthly so I do not understand how they can charge me anything when the account clearly shows paid in full, XXXX balance and that my PMI posted in XXXX was paid in the settlement. Even today this morning of XXXX/XXXX/2016 there is a credit escroe balance of what they kept, the account does not appear closed yet shows paid in full with this credit. You can tell me I owe something until the cows come home but if the account shows paid in full XXXX balance how can you keep any of my funds? This is just one of many problems I have had with Wells Fargo Mortgage. Its just not right and they should not be allowed to just do things with peoples money especially when their own records indicate no evidence for their actions. I have refinanced with another company and was treated much better but its not fair to take someones money without being able to show you owe it.
TransUnion file number XXXX incorrectly reporting my name as XXXX XXXX XXXX. I do not carry a middle name. Please remove XXXX from my name.
Diversified consultants/collection company reported false information about a debt they were trying to collect for a phone bill. I repeatedly told them it was not mines. I disputed with credit bureau and even asked to have this removed without proper documentation, no contracts no signatures. company threatened me so i agreed to pay the debt letting them know still it wasnt mines and that they would agree to take it off my credit report by paying for a pay to delete option. i paid the balance of {$300.00} and did not receive no receipt or documentation to delete the file. they have still been reporting me to the credit bureaus. they will not speak to me about this matter. Ive made call and disputes for months with them hanging up in my face or not responding to me claims.
Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to GC Services Limited Partnership on XX/XX/XXXX. As of XX/XX/XXXX They did not reply to my request therefore this account should be removed from all 3 credit bureaus. According to XXXX they did not reply to my letter with the proof of debt. Instead, they filed the response under cease and desists all communication on XX/XX/XXXX. This information was put in by XXXX. However, the letter states " that no further telephone contact be made by your offices to my home or to my place of employment '' It does not state cease and desist written communication. I was told that GSC never forwarded my information to the original creditor XXXX. As a result and against 15 USC 1692g Sec 809 ( b ) of the FDCPA this account has been reported to all 3-credit bureaus.
Long before I had closed my electricity account I paid a debt to XXXX XXXX  XXXX in full and they decided to Report that anyway as an outstanding debt to the credit bureaus. Four months I have painstakingly going step-by-step through the process of disputing it both with the utility company and Equifax but they havent ignored my requests. 

And foremost I do not told them that that and is the reason why I continue to have my current electricity on and functioning. 

That collection account has destroyed what Ive been working on for a long time to have good credit and not oh anyone.
Placed calls to XXXX, Transunion and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.
I have been receiving repeated phone calls from varies phone numbers a few times a day. No message is left, I block the calls as Spam, and another number starts. I answered one number and he argued with me to act like I called him and he was a doctor. He did it only to see if my number was a working number. It harassment and it feels like one of those sneaky collection companies using illegal tactics. The last call was today XX/XX/18, from varies phone numbers but the company is called Diversified Consultants when I called from another number to see who was repeatedly calling my phone. 
The numbers that called are : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX
I currently have this account in collections with no balance. It list the open date as XX/XX/2012 and the original creditor is XXXX XXXX XXXX XXXX. I have called this medical facility in order to receive information about this debt. They referred me to XXXX XXXX XXXX however they have not mailed me any information about the debt. I do not see an amount owed. This is a medical debt which has not been validated. There is a statue of limitation of 4 years in Texas ( state I lived in at the time of this debt dates it occurred ) and 5 years in my current home state. I am asking for this Collection to be removed and stop being reported to the 3 Credit Bureau due to the statue of limitations on the opening date of this account.
some time on or about XX/XX/XXXX talk with a representative at chase card and explain that we had XXXX in the family in XXXX XXXX  which was my dad. so on or about I receive a Letter to contact the bank if I need help. and I explain the representative that I do not believe we need help and that I would be in to pay the past due on or about on XXXX  theXX/XX/2019. and that day I pay that past due balance XXXX and this was on the XX/XX/XXXX today is the XX/XX/2019 the account is close went there was an arrangement on the account # XXXX and there is a new payment for XXXX date for the XX/XX/2019. this account is not in the red as of this day. this company have always pay it bill. I believe it unfair to close this account that they agree to help us as of XX/XX/2019 by the letter that they send to us at the crop office.
I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and Trans Union and XXXX all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX  XXXX, NJ XXXX ( XXXX ) XXXX
I lived in an apartment complex about 2 years ago. After leaving in XX/XX/XXXX I made sure to clean the apartment before moving away. Being the young XXXX XXXX  that I was I forgot to take pictures of the condition after leaving. I did not hear from the apartment complex managers ever again. Fast forward 2 years, at the end of XX/XX/XXXX I was contacted by Mr. XXXX of XXXX XXXX claiming we still owe damage fees XXXX in total for the apartment we lived in 2 years ago. He reached me through a phone call. I still kept the same number I had 2 years ago. After exchanging emails I asked for a few documents to confirm the damages. He provide a few documents, but no time stamp photos of the damages. After weeks of asking for time stamp photos to verify the written damages he stated that his computer caught a virus years ago and the photos were erased during fixing the computer. After that time I wrote Mr. XXXX an email stating that under California tenant laws states that a landlord must request the payment of damages within a timely manner. Seeing that it has already been almost two years after my move I believe this " timely manner '' had expired. With the time stamp photos I would have no way of believing these damages were caused. I also stated that Mr. XXXX had the means to contact me with a call years ago, but it was his fault he had forgotten about these fees. He had also admit that he forgot the fees and after going through old paper work found them. About a week after this email he sends me six photos that are supposed to be of the apartment I lived in. These photos were not time stamped and when I asked to see more photos of the apartment he did not respond on XX/XX/XXXX. After that day he sends me a new email stating that he will be sending me to collections and needed my address. I was not comfortable giving that information at that time and asked if it was able to email me this paper. He stated no, he was not able to do so and somehow knew my address and asked if that was it. Being a little shocked that he knew where I lived I asked to be emailed the papers. XX/XX/XXXX I come home from work and found the collections paper from Mr. XXXX mailed to my home. I will attach all information that was given to me by Mr. XXXX below in the attachments.
On XX/XX/XXXX via the credit unions website I applied and received and acknowledgment as to receipt of my application for checking & savings account. a few minutes later I received a notification that my account services had been opened. I would receive my welcome package in 7-10 days. I was also told that my debit visa card was unable to be processed for the initial deposit. I reached out to my other bank and there was sufficient funds and not issue with the card itself. I called navy f.c.u. to have the card processed again to be told that my account was now under review without any further explanation. On XX/XX/XXXX I called to follow up regarding the status of my account and after 20-30 minutes of being told let me check the status of your application, to let me speak to the review department, to let me speak with the back office, team membership specialist : XXXX XXXX I was now being told that I had to submit via fax a copy of my government issued identification along with a current bill showing the mailing address. A financial institution that isn't honest a forthcoming with the truth as to why they are selectively discriminating against the opening of my account. What algorithm of database are they using which probably contains false, erroneous information to justify discriminating against individuals. I asked the customer service rep. I spoke to that I wanted there request be sent to me in writing and they said they would not do that which makes me SUSPICIOUS of the tactics of NAVY FEDERAL CREDIT UNION!
Capital one sent me a letter saying they were closing my account.dated XX/XX/XXXX. I mailed them a letter asking them to refund my credit balance and asked for details as to how I could access my {$11000.00} rewards towards the purchase of XXXX car. They did close my account & refund my credit balance on XX/XX/XXXX. <P/>I was getting ready to purchase a new XXXX in XX/XX/XXXX and on approximately XX/XX/XXXX I called the card company about redeeming my rewards. They transferred me to a reward redemption center. The rewards redemption center said my rewards were only valid for 90 days after my account was closed. I told them my account was closed less than 60 days ago. They said that Capital One had listed the closure of my account as XX/XX/XXXX. I tried to explain to them my account was not closed until XX/XX/XXXX. They said Capital One had listed the closure date as XX/XX/XXXX and I had to get the closure date corrected to have access to the {$11000.00} in rewards towards the purchase of a new car. I emailed and called Capital One. They continued to state my account was closed on XX/XX/XXXX. I asked them why if my account was closed on XX/XX/XXXX, why was n't my credit balance return to me on that date. They said it is policy/systemic that even if an account is closed they wait 60 to 90 days to refund any credit balance. I asked them if my account was closed onXX/XX/XXXX where was the {$3900.00} credit balance. I was told it was in my account. I asked them to square that statement against the one that my account was closed on XX/XX/XXXX. They had no explantion how a closed account could have had {$3900.00} balance other than the 60-90 days refund policy. They said the only reason my credut balance was returned so " quickly '' was becuase I had sent them a letter requesting the refund of the credit balance. <P/>My Account number was:XXXX
Chase bank froze my account on XX/XX/18 for a {$1000.00} certified bank deposit check coming into my account. I have a business account and it is registered and I pay my taxes timely. I need my account unfrozen so I can conduct business.
I made a payment in full for my outstanding balance due XX/XX/2018 on XX/XX/2018. I made a payment in full for my outstanding balance due to XX/XX/2018 on XX/XX/2018. Each time my balance came to {$0.00} after submitting my payments. Each time my payments were processed well before the due date. 

This morning, XX/XX/2018, I checked my account to discover a balance of {$20.00}, {$10.00} of which marked past due. 
I immediately contacted Navient customer support, who could not identify what happened short of my overpayments were not processed toward the outstanding balance. I made overpayments *in addition to* paying my full monthly balance on time every month. The agent told me she would reallocate funds from a previous overpayment to abolish the overdue charge, but she did not specify from which overpayment she would shuffle the money. I made it clear not to take it from the loan I paid off in full on XX/XX/2018, so now I am waiting to see if that decision was honored. 
The agent guessed this happened as a result of my IDR plan, for which I had been required to reapply for my XXXX payment and which was processed on XX/XX/2018. There was no answer as to why an overdue charge was posted to my account for my XXXX bill ( as well as an additional {$10.00} for my XXXX bill ) the  morning after I had payed my balance in full through XXXX.
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 XX/XX/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 XX/XX/XXXX/XX/XX/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
I learned my drivers license was stolen. The spelling of my name have been changed in probate court. It is now XXXX XXXX XXXX-driver license number is ( XXXX ). The names I 've used in the past are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My XXXX XXXX XXXX account number at XXXX XXXX XXXX was XXXX. I purchased the property on XX/XX/XXXX. XXXX XXXX annexed in XX/XX/XXXX. I do n't know why the bill do n't show the account number when I purchased the home. Unless I have a victim all those years. I know the XXXX XXXX have always stole utilities. From XXXX when I filed bankruptcy. My last employer was XXXX XXXX XXXX XXXX -from XX/XX/XXXX-XX/XX/XXXX the company EIN number is XXXX. Prior to XXXX XXXX I was employed with XXXX XXXX. Their EIN number is XXXX. XXXX XXXX XXXX EIN number is XXXX. I was employed with XXXX XXXX in XXXX. The case numbers I 've had in wage earner court are XXXX XXXX & XXXX My history have been deleted from the courts by XXXX XXXX & XXXX and XXXX XXXX XXXX. My past addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN , XXXX XXXX XXXX XXXX TN . XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Tn XXXX XXXX XXXX  XXXX TN XXXX. My mother social security number is XXXX she XXXX XXXX XX/XX/XXXX. Her name is XXXX XXXX XXXX. My father social security number is XXXX he XXXX XXXX on XX/XX/XXXX-his name is XXXX XXXX At. His social security appears to still be active. Sisters, brothers, their children grandchildren, XXXX XXXX and all are using the XXXX social security number. A fraud alert was placed on my credit report by Attorney XXXX XXXX without my knowledge for seven years.
My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.
PNC bank changed the terms required to eliminate fees in their checking account. They did this with a one month notice and only notified with a small section in the monthly statement. I rarely use the account and do n't typically look at the statements as I monitor transactions on a more frequent basis on the website. Hence, I was unaware of the change. I was charged a monthly service fee since I was unaware of the change. Although I called to understand the change in terms and was refunded the fee, it 's still poor performance by PNC to change the terms in such a discrete manner.
XXXX XXXX XXXX is an unauthorized inquiry that was reported XXXX XXXX, 2016.
When looking at my credit file I noticed the following companies are reporting negativity to my credit report. The companies in question are XXXX and XXXX has agreed to remove the negativity due to the account not belonging to me and has since been paid to have it removed. XXXX corp is showing a late payment on the account. the account has never been paid late and has been disputed.
I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information.
Myself and millions of americans were victimised by the recent cyberattack on equifax. I am listed as a potential victim according to equifax 's XXXX. This exposes me and millions of americans to identity theft.