WillisBack/dataset-financial-user-claim huggingface dataset:
Per Equifax reinvestigation confirmation dated XX/XX/XXXX, Equifax has provided my information to XXXX XXXX, XXXX, and XXXX without my permission and authorization. I did not file a dispute concerning these XXXX companies. I do n't have an active account with XXXX XXXX. I have never had a XXXX account. I do have an account with XXXX, but I do n't have any disputes regarding my XXXX account. It hasnothing to do with my account Equifax dispute. Also, per this confirmation, Equifax has removed my home address from my credit file. I did not dispute my address and Equifax has refused to tell me why they removed my home address. Equifax requested a copy of a bill showing my home address. I provided Equifax with copies of my current XXXX XXXX XXXX bills in order to restore my home address as the 1st previous address on my credit file. My PO Box address is listed as the current address. My issue with Equifax began with a fraudulent inquiry from XXXX XXXX XXXX. Following my request that Equifax remove thefraudulent inquire, Equifax has continued to escalate the issue by removing my home address and now sending my information to XXXX more companies. I have contacted Equifax via telephone numerous times and by submitting numerous disputes. I have placed a security freeze on my credit file. As a result of the credit freeze, Equifax sent me a letter stating that they have received a new address and change of address request. I do not have a new address and I did not submit a change of address. Equifax is referring to my PO Box as a new address. My PO Box has been on my Equifax file since XX/XX/XXXX. It is not new. I have attached a copy of the confirmations dated XX/XX/XXXX and XX/XX/XXXX, along with a copy of the change of address notification that I received. This is beyond ridiculous! 

I want to know what information was provided to XXXX XXXX, XXXX, and XXXX. I want a copy of the documents that were provided to each of them. I want to knowwhy my information was provided to these XXXX companies. I want my home address restored as the 1st previous address on my credit file as it was on my Equifax XXXX dated XX/XX/XXXX and prior. I want a correct copy of my Equifax credit file that includes my physical home address as the 1st previous address.
My credit card company refused to assist me with my merchant billing dispute that I filed back in  XXXX    XXXX   for not as described services by  XXXX  in the amount of $  XXXX  .I 've been giving the run around for the last three m onths, every time I 've called in I was giving different information by each agent despite all the wrong information I still provided all the information/ documentation requested including valid second opinion letter that supports my claim.Now I received a letter on  XXXX   XXXX  stating they ca n't help me with my dispute without providing explanation as to why. When I first contacted them I advised them that the merchant refused to take parts back. I advised the merchant I did n't want the parts and there available and ready to take. I feel my dispute was mishandled and would like it reconsidered. The last supervisor I spoke with was very rude and short.
In XXXX my husband got a probate cash advance from a " probate inheritance advance '' company called ACAC , Inc . They had him sign a deed of trust and recorded said deed of trust against the real property in his mother 's estate even thought they told him that they would not do that until the loan became due which was XXXX, XXXX. In XXXX XXXX they filed a petition to have him removed as administrator and to force the sale of the family home. Since that time we have been fighting them in the probate court. In XXXX of last year they filed a declaration showing that at the time of the transaction they did not have a Mortgage/lenders. We have filed a lawsuit against them. They are stating that it was an " advance '' and not a loan so California statutes do not apply. I am trying to find out what the difference is between a loan and an " advance ''. Any help would be greatly appreciated.
XXXX university is sticking me with a tuition bill for classes the university administratively withdrew me from. This is a scam and a way to get money. 
I began a XXXX with XXXX Uni on XXXX XXXX, 2015. I was shocked to receive an email from the Financial Aid office stating that they will be sending some of my aid back to the US Dept of Ed because I had not been participating in class enough. I was then informed that the university was Administratively withdrawing me from the class. I immediately balked at this assertion. I also asked how the university even knew about my online activity for my class and asked if " big brother '' was watching my clicks and logins. I also argued that the university had no right to take my financial aid and then withdraw me from class. Once the financial aid was sent back to US ED, XXXX stuck me with the bill for the class they had already withdrawn me from. It was the university ( Not me ) who initiated and completed the administrative withdrawal. It clear that they XXXX is using shady practices to commit fraud and get money out of unsuspecting Americans. They know that once they send financial aid back to the US ED, a tuition bill will result. Additionally, how can I be expecte to complete a course that I am withdrawn from? I asked if they were concerned about my clicked and logins to the online class, why didnt someone contact me to see what they issue was BEFORE initiating any adverse action. The university has all of my contact info, name, SSN, address, email, etc and could have easily contacted me about any attendance concerns. Instead, they hastily withdrew me from class without any regard to me as a student. I asked why wasnt I contacted and was told by a staffer that " no one has to contact you, it 's not a requirement. '' I was dumbfounded by that statement. It is clear that this " university '' has very shady business practices and is only concerned with getting money from students ; not in actually ensuring that students get a good college education or even graduate. They are, after all, a " For profit university '' ( emphasis added )! The university has not acted in good faith throughout this ordeal. How could I complete the coursework if I did not have access to the classwork and class assignments after the withdrawal? I still have yet to get a response to that question. 

I did a little research on line and found that several other thousands of people have experienced the same thing from XXXX University. So apparently, this is a business practice. This is away they get money ... off the backs of unsuspecting students who are blindsided by being withdrawn. Well, this student is taking a stand and will not allow this faux " university '' to continue to prey on people 's real goals and ambitions to get an education, only to be railroaded by this company. My outstanding tuition bill is bogus and I do not owe it.
I had my initial loan with XXXX and used the income based repayment plan. No issues. Then in 2015 it was sold to Navient and I have had nothing but issues. I have been trying for months to apply for a IBR as I have to do this yearly. I originally filed my W2 and an application as I was told that would be fine. I submitted this in the end of XXXX, however Navient claims they did n't receive it until XX/XX/XXXX. They also state they only accept that form until XXXX. But nowhere does it state that, nor was I ever told this in my phone calls with them. So, in mid XXXX I received 2 letters in the mail on the same date. One stating it was too early to apply for my IBR plan, and the 2nd saying it was time to apply for my IBR plan. I sent everything in a second time only to be told then that the W2 was no longer acceptable, and to please send in a copy of my pay stub. I did this right away, and now have received a notice that THIS is also not an acceptable form to show my income. I 've sent an email to their advocacy department and explained I am trying dilligently to make my payments, and set up a repayment plan, however I am getting jerked around and it feels like they 're doing this in order to make me pay more interest. Today I got a response via email saying there was something I had to log into to read and I never got that. I feel like I am getting nowhere with this company and my only option is to consolidate my loans and have them moved to another lender. This may result in me paying a higher interest. I have made faithful attempts to work with them and ask questions, only to not get the right information.
After struggling and getting sick not only has XXXX used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My equifax still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is equifax willing to help with getting my score back. Please help. Thank you
My mortgage payments have been scheduled to be sent using BillPay from XXXX XXXX XXXX to my mortgage company, Bank of Texas for a couple of years. The payments were sent and received electronically, but since XXXX 2016 was switched to be sent by check. Contact both banks saying their agreement to receive electronic payments was broken. Bank of Texas told me to open an account to XXXX XXXX, because their agreement is " still valid ''. 

I sent a letter to Bank of Texas Mortgage Complains division asking if it is possible to work out things with XXXX  XXXX XXXX. I am still waiting for an answer. In the way the customer service from XXXX XXXX XXXX has been, I do not trust to allow them to access my checking account to make the mortgage payment. 

Hopefully this helps.
The XXXX and equifax are reporting the XXXX debt more current and its actually a year older
Family Member ob tained loans fraudulently, has subsequently been   XXXX   and is   XXXX   XXXX   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
I bought an American Express Gift card to use generally and on more than one occassion XXXX has refused a return credit from a merchant. The first time this happened a merchant refunded me after I returned an item totaling over {$400.00}. XXXX did not notify that they were rejecting the refunded credit. When I tried to use the card later, it was frozen and I had to call customer service to find out what was going on. XXXX forced me to contact the merchant to request a new refund. 

Most recently, this happened again for a {$300.00} return. XXXX refused the return because the amounts didnt match. I bought an item in NY and returned it in MD, the merchant chose to refund a different sales tax amount. XXXX did not notify me that they refused the refund, and I only found out after my card was declined at the grocery store. 

I contacted XXXX, waited the long hold time for their off-shore customer service, and ended the call with no help as XXXX said I would have to contact the merchant in a couple days to request a new refund. 

XXXX has no intention of changing their policy to notify a cardmember that their expected refund has been refused. I currently have to hope that the merchant is willing to assist me in getting this resolved. 

I have also requested multiple times that XXXX send me a check for the balance of the prepaid gift card so I can avoid any more unfortunate experiences trying to use their card. They have flatly refused each time.
{$3000.00} legal matter in XXXX county. I 've never been there in my entire life. It 's not me! There 's XXXX of us with the same name in my family. Everytime something happens it somehow falls on me
I responded Yes ( put my loan in forbearance ) to Nelnet 's automatic text message system when I missed my payment date.

I have had friends do this and they told me that is all they had to do so I assumed I was okay.

Approximately 90 days later, I get a credit monitoring alert on my credit card saying I had a multiple accounts being reported 90+ days late. Come to find out, it was Nelnet not claiming I was in forbearance. I immediately put my loan in forbearance to prevent any more negative action.

Nelnet claims I did not do this. I have no record of this text message. I tried to obtain it from XXXX but too much time had passed.

I do not understand this logic. I had and still have plenty of forbearance time left, why would I not put my loan in forbearance if I had time left??

All I can do is continue to file report after report, I can no longer afford to have this on my credit profile.
1. XXXX XXXX should be remove - two of them 2. too many multiple addresses on the report - keep only XXXX address 3. three capital one = already been paid in full status - please remove them on this report 4. XXXX XXXX - THIS HAS BEEN PAID OFF. why still showing open?? 
overdraft? 
- currently, i have my checking and saving account with XXXX XXXX ... .. 
please remove them my cell # XXXX XXXX XXXX
My vehicle was repossessed for being 33 days late on a {$250.00}. I informed them several times that I was injured on my job and was out on XXXX ... I continued to make payments even though i was late and wasnt bringing in the money i normally was if i was working. I received an email approximately XX/XX/XXXX from a representative from XXXX asking for payment. They was informed that a payment wasnt able to be paid until the XX/XX/XXXX. I didnt hear any response back. On the night of XX/XX/XXXX approx a tow truck came to my home to repossess my vehicle from XXXX XXXX XXXX. Upon them towing my vehicle they began dragging my vehicle down my street and driveway even though they had keys to it ... My family began running down the street yelling for them to stop dragging my vehicle until we heard a large pop from my vehicle. On XX/XX/XXXX I arrived at XXXX XXXX XXXX  to retrieve my appointment after paying XXXX my payment for XXXX {$250.00} ; Late fees {$68.00} ; and repossession fee of {$370.00}. As I went drive car off the lot i was unable to drive my car. My gearshift was not operable unable to put into drive. They young lady called her manager about the situation and i was told by him to go home until he was able to reach his agents.. About an hour later he called back and said his mechanic which turned out wasnt an mechanic but another employee was able to jerk my car into drive and remove it from the back lot. AND basically left it running and walked away. I had to have it towed off the premises to mechanics. I called XXXX XXXX to file a claim and have yet to receive any response from them.
I opened this card to get 2 free weekend nights. I made the necessary spenditures on the card but never received my free weekend nights at XXXX.
Someone withdrew money from my checking account using chase banks quickpay with XXXX without my authorization. I have never signed up for the service but chase allowed someone to withdraw money anyway. Now they keep sayi g I authorized the transaction and are demanding I prove otherwise. They also have frozen my account so I have no access to my money.
I sent a email but have not heard anything back.On my credit score my mother name is on there. How do i deal with that. My full Name is XXXX XXXX XXXX XXXXdob XX/XX/XXXX. That is my mother madien name XXXX ... .she married my father which made her have XXXX XXXX Her middle name is different XXXX. Her dob XX/XX/XXXX.Please let me know how i can fixs this ASAP!!!! Thank you!!!
After finding additional information, I 'd like to revise my earlier complaints ( XXXX and XXXX ). Green Tree 's reporting of incorrect information on my current credit reports at all XXXX agencies is worse than I thought. On my current credit report, they have incorrectly reported the date of last activity and the account closed date. Those listed on the attached XXXX report from 2010 provide the correct dates. I believe Green Tree is willingly and knowingly reporting incorrect information to the credit agencies.
Regions Mortgage decided to raise my monthly payments excessively this year. Last year I paid $ 630/month and that included a little extra that came off of the balance. This year they want to raise it to $ 740./month. According to my calculations, P & I, plus the extra for a home warranty plus 1/12 of the escrow requirement totals {$640.00} Regions already has a pad in the escrow account of over {$1000.00}. I want my payment back to something reasonable and I do n't see why they need an extra {$2000.00} in the escrow account.
I have been having problems with na vient for a few years now and have made complaints before with you guys then sent an email that it will get a follow-up in so many days and nothing and these type of non communications have been going okn for a year until it affected my credit and then there are increase that the complaint line could not answer by phone or email all of which i have. Please help me
The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Commonwealth Financial does not have any documentation, they need to retract this from my credit file immediately.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made with and on : XXXX - ( XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest.
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, Thank you.
On  XXXX   XXXX     2017  - I went to  Union  Bank in  XXXX   XXXX , CA and wired {$1000.00} to a bank overseas. The company that I sent it to never acknowledged that they received it or gave me credit of it. Wit h in two we eks I contacted the Bank and stated that the company i sent the money to has n't acknowledged it and that I have proof. They checked twice with the sending bank ( B of A ) and then did a trace - every time they checked - I had to call them too see if they had discovered where my money went - each and every time that stated we ca n't get an answer back from the receiving bank.   I then went to the  XXXX   XXXX  branch of  Union  bank - they out a trace on it - same thing - after an unbelievable wait - no one can find the money - the receiving Bank does n't respond - each and every time I have had to call them - they do n't call me. On or about  XXXX   XXXX     2017  I called the Ban k Manager  at the  XXXX   XXXX  branch -  XXXX  - and stated that if I did n't hear from him in a couple if days I wold file a complaint with you. Today he calls me and states that the office of th e President will be looking into it and someone will get back to me. When I asked him what will they be doing it turns out   that they are going to do the same thing all over again for the third time hoping for a different out come - unbelievable stupidly or hiding th eir screw up.
I received a Lowes credit card in XXXX with a beginning balance of {$3000.00} and continued making monthly payments up until XXXX which is when my spouse lost her job. I informed Lowes of what happened and offered to lower the monthly payments I could afford. I began making payments of {$54.00} to {$100.00} and after 5 months I asked for a balance update and discovered I made a small dent on my balance. I asked Lowes why my balance was almost the same? Lowes responded that only XXXX of my monthly payment goes to my balance and the rest goes to their interest. Lowes also said not to make large monthly payments because anything above the minimum will go to interest alone. I informed Lowes that I never agreed to such a high interest which they said I did. Lowes offered to help me make payments on my account and never mentioned a high interest account. Lowes only said to make minimal payments of {$54.00} a month until spouse gets another job. I stopped making payments over the minimum and my balance as of today is {$1600.00} after 8 years of steady monthly payments.