WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax leaked my information and I am now vulnerable to fraud. I had to find out through an article online instead of being notified by them. There has not been an offer to monitor my credit and accounts, which I find very unsettling.
This is a follow-up to complaint # XXXX. I had asked Ditech Financial LLC to stop calling me and sending me letters regarding the alleged debt in question. In their response, they said they would stop calling me. The CFPB subsequently considered the complaint resolved, and closed the file. 

Ditech continues to send me letters.
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Date : XX/XX/2017 Description : XXXX closed my credit card account yesterday without giving me a reason. I was so shocked because i do treat my first discover credit card as a treasure.I keep using it very carefully, such as making payments in time, never had a late payment. Right now my credit limit is {$2500.00}, and i always keep my balance under {$1000.00}. So i really have no idea about why the company closed my account. My FICO is XXXX, i ca n't see any reasonable facts to close my account. 

Thanks a lot!!
Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at  XXXX ,   XXXX   and  XXXX  they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up.   XXXX   told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.
My report from LexisNexis still includes an Eviction case from XXXX Count District Court in MN which incorrectly included me as a party ( File # XXXX ). I 've attached the document which confirms that I was stricken as a party. I had been removed from the lease before any action had been taken against my former roommate XXXX XXXX. I found this on my credit reports earlier this year and though it took several weeks, I was able to get it all sorted out and removed. Unfortunately, it looks like it 's still appearing elsewhere ( LexisNexis ).
Received a phone call from an alleged ( Pro collect ) XXXX or XXXX credit debt collection agency regarding an apartment that was rented, which the operator ( XXXX XXXX and XXXX XXXX ) stated we still owed {$1000.00}, to which we have never received a bill or contact from the Latitude Apartments XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. On XX/XX/XXXX we turned a 60 day notification and asked if we would be able to move out by XX/XX/XXXX, we were told yes they were unable to find our lease, so we proceeded. We turned in the keys and left a clean apartment on XX/XX/XXXX, after that we proceeded to call the apartments on several occasions, to ask if we owed anything we were told no. We proceeded to leave our forward information for any future questions, still not receiving any bill. The collection agency has been a nightmare, very rude staff, and unable to help us resolve this mistake, continually threating to ruin our credit.
XXXX XXXX XXXX {$95.00}, XXXX XXXX XXXX {$380.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claims ... accounts were settled ... I want it removed. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
You can not collect debts twice.
My account started getting charged interest within 10 months of being in an introductory 12 month 0 % APR period, reflected in my most recent statement. The offer I responded to to get the card, and the subsequent documentation I received with the card after approval ( their form " XXXX '' ) confirms 12 months 0 % APR. Upon query, their representative attempted to tell me I responded to a 5-6 month 0 % APR, and if not that, then they changed the terms after reviewing my credit, and she offered to send me that documentation. However, my statements do not have any interest charges for 10 months, ( as expected for 0 % for at least 10 months, and do not support her assertion I was on a 5-6 month 0 % ), until the most recent statement that I contacted them about. She continued to assert the falsehood of my offer ( 5-6 months 0 % ) or the other falsehood ( they changed after credit review ) until I got the point across that obviously it is not as she said as I was not charged interest until after 10 months. She ultimately waived my interest for this month but I expect to have the same problem next month. What I am sincerely disappointed by is the assertion of falsehood which is tantamount to a bait and switch scenario, despite the fact I have evidence supporting my 12 month introductory 0 % APR, and the fact that it took over 30 minutes to resolve one issue and my expectation to have to spend another call next month to waive the interested again so that they would have honored their 12 month introductory 0 % APR.
I had a man knocked on my door. My husband answered the door he asked if I was home. Then he tried to serve me with some papers told him to leave are property. He left papers on are pourch. We looked at them. It was a summons. So we went to court. It was a dept colecter trying collect debt. The bought it from XXXX. We told the XXXX did not owe the amount. That was said we owed. So the judge set a mother court date. We did not get any paperwork of next court date. So the collection agency got the judgement. I made arangments to make payment. The debt collector wanted a higher amount I could n't pay. My husband is XXXX and the dept collector tried to garnish his bank account with is his ssi check. They are breaking the law. And his name is not on the garnishment order. They talk to my husband about my debt which is also against the law.
I tried to access my credit report because I could not answer the security questions. XXXX was about a loan I never heard of and another about a new car that Ive never seen
I have a a unverified account fromI CARDINAL ACCOUNTS INC. I had previously disputed this account. I have never done business with CARDINAL ACCOUNTS INC. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARDINAL ACCOUNTS INC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I received a XXXX tickets in XX/XX/XXXX that was captured by a camera. I am in the military and I am always on the move. The only way I found out was when it showed up on my credit report as a collection account on XX/XX/XXXX. I had no knowledge of any debt before it went to collection and showed up on my XXXX report. I had no chance to contest my ticket, let alone pay it. Before this, my score was consistently above XXXX FICO
All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.
I've sent certified letters to XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to XXXX  and Transunion requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX XXXX XXXX sent a collection letter stating that they have received an XXXX  dispute online from me which is not true. They are basically admitting to using XXXX. Any automated response or XXXX  verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents
Experian is incorrectly showing an account in as 'in collections. ' The account in question was paid in full and closed early in XX/XX/2016. I have disputed this with Experian more than four times using their online system, 3 times by phone, have contacted the original owner of the debt, XXXX XXXX University, and confirmed it is an Experian error, and have even provided documents from the original debt owner and contact information for them to Experian. My last phone call to Experian involved talking to a 'manager ' for over an hour who said he could see the problem and was writing a lengthy description so that it would be fixed. Experian 's 'dispute ' team by phone has repeatedly told me they 'have no idea ' how the dispute process is handled, and clearly their 'process ' does not involve actually contacting the owner of the debt who, as stated, has already validated that this was paid and closed in XX/XX/2016. Experian is clearly not even investigating the matter.
Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!! 

I will continue to submit multiple complaints weekly until it is deleted. Also, i found a threatening voicemail from your company that i have forwarded to the FTC. I will file complaints with CFPB, BBB, and FTC until this is deleted. This is not my debt and you need to show proof that it is. 


I WILL NOT STOP TILL DELETED. THIS IS NOT MINE AND YOU HAVE NO RIGHT TO REPORT INACCURAE INFO ABOUT A PAY DAY LOAN I NEVER HAD.
Hi, I am struggling very badly since I have lost my jobs in XX/XX/XXXX. But I never give up, I start driving XXXX, XXXX actively interviewing for jobs. But after a while rejection after rejection, I get mentally tired of it. 

I reached out to my Mortgage company RoundPoint Mortgage ( https : //www.rpmservicing.com ), and inform them of my hardship situation. They have adviced me to fill out a form and send them all of my earning statement, history struggling to be considered. After reviewing my case, one of the Agent called me and said to stop my mortgage payment from XX/XX/XXXX - XX/XX/XXXX. After that period the mortgage company will decide what I have to do. They also mention me to agree and sign a paper, so after 6 months, I have to pay back all the due payments including late fees and surcharge. 

I have tried to ask the agent how it will help me then. She said to get approved this is the only offer they can offer me now. 

So I didn't agree with that to sign. 

I have XXXXyrs old baby, and also we are expecting another in a few months. My wife was helping me on the mortgage, other bills, and home expenses. But on XXXX she also gets laid off from work because she is pregnant. 

We both were working hard and doing good in our career. Now with all the situation, I am straggling so hard. 

Please help with guidance, how can I save my home and lower my mortgage payments. 

XXXX XXXX XXXX XXXX
I have placed a credit alert on my credit profile with all three credit reporting agencies when I was a victim of ID these with the XXXX I recently applied for credit with XXXX and XXXX to get new service, and I was denied credit and was required to give a deposit. I have a credit score on average XXXX out of XXXX, I recently applied for credit with XXXX a month ago and I was approved with a credit limit of {$22000.00}. The issue I am coming across with XXXX, XXXX and Equaifax, that my security alert on my file is automatically denying me credit. I called Equaifax and now they can not find my credit report and It is really annoying that I have to deal with this.
I have been identified as XXXX XXXX. I have never used this name. My name is XXXX XXXX.
In XXXX 2016, I was made aware through credit reports and an application for a PLUS loan that my personal information was fraudulently used to get student loans ( XXXX, XXXX XXXX ) without my knowledge or consent. I reported that I am a victim of identity theft. I informed then that the information below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. The following accounts appear as a result of identity theft. 
XXXX XXXX XXXX-student loan account number unknown XXXX- student loan account number unknown CALIFORNIA FEDERAL COURT XXXX COUNTY/RECORDER OF DEEDS I also requested Experian to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act within 4 business days, and send the required notifications to all furnishers of this information. Also, please place an Extended Credit Report Freeze on my report which will require creditors to contact me via phone number on my report. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted in yellow. 
A copy of my Identity Theft Report Proof of my identity-CA Driver 's license A copy of section 605B of the Fair Credit Reporting Act, which requires XXXX to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Experian informed me on XXXX XXXX, 2016 of the dispute results and that they are waiting 30 days for the Companies to respond. Experian did not acknowledge nor process my request to BLOCK the information within 4 business days as required by law ( section 605B of the Fair Credit Reporting Act ).
I disputed to items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did a dispute with all XXXX reporting agencies. It has been well over 30 days with no contact from anyone. I know that with the fair credit reporting act, that if no contact is made within 30 days, then those items must be removed from my credit report immediately! I have also filed a complaint with the XXXX. I want these items taken off my credit report ASAP as it is affecting my ability of getting a mortgage. Please can you help me as no one else seems to want to help! I want this false information taken off! 
Thank you XXXX XXXX XXXX
I was working with a company called XXXX for about a year itended up costing me XXXX dollars and it did not get it all taken care of. 
My husband and I owed XXXX to the IRS it was paid back and showed upon my credit report that it was n't so I asked for help and it came off ofXXXX, XXXX, but not off of Equifax so now I hope you can help meme.
Hi. The dispute number XXXX was just opened by someone named XXXX. He basically refused to remove the items in the attachment off of my report. I have stated that the other bureaus have removed them because they know that they are not mine. I have verbally spoken to the XXXX and they verified that I am not in the system. They can not remove something that is n't showing up in their system. The last dispute that Equifax shows in their system was in XXXX, which is incorrect. Equifax has repeatedly shown that they have no regards for the law or for anyones credit since it does n't affect them. As of this morning I have filed a lawsuit against Equifax. I have attached my intent to sue letter with the accounts listed in the letter. I gave them the chance to remove the items and they have n't. They have n't responded within the time frame that they gave. They keep inaccurate records. They finally deleted inaccurate addresses off of my reports after filing complaints. I am going after Equifax for the full amount that the law allows. Their inaccuracies on my report is not helping me and it is hurting my family and myself.
I took advantage of a 0 % balance transfer offer. I have been making my monthly payments as required. I have continued to use the card for miscellaneous monthly expenses. My monthly payments have been enough to cover the minimum payment due in addition to the monthly misc. charges and a large chunk of the balance transfer. The credit card company has been charging me interest every month on the miscellaneous monthly charges. It was my understanding that my payment amount would be applied first to the monthly minimum, then to the monthly charges, and than to the balance transfer. I should not be charged interest if I am paying those monthly charges in full each month. However, The bank will not credit me those interest fees.
I was billed {$19000.00} for being past due {$1800.00} on my BMW lease. 

The car was repossessed and sold in the auction. I was not informed about the impending auction sale of the car while I still could pay the debt and get the car back. The lease contract ( attached ) says that I was supposed to receive the reinstatement rights letter and have 25 days to get current on my lease payments ( highlighted in the attached Lease Obligations document, point 26g ). I have never received the letter. When I spoke with Financial Services they say the letter was sent but apparently got lost. There is no proof of the letter being sent to me. The largest part of the bill I got is the difference between the supposed car value and the auction sale price. 

Consumer advocates website ( https : //www.consumeradvocates.org/fXXXX ) says : -You may be able to buy back the car by paying the full amount you owe or even bidding on the car in the auction. In some states, you can get your car back if you reinstate your loan and pay repossession costs. 

-The sale of the car must be done in a commercially viable manner, meaning that it is not sold for way below market value. This matters because you will be held accountable for the difference ( deficiency ) between the sale price and what you still owe on the loan. 

-In some states, the creditor must tell you if they are keeping the car or are planning to put the car up for auction. If there is going to be an auction, they must tell you when and where the auction will take place. 

In my case, I could not exercise any of my rights.
We filed a complaint several months ago about our on going foreclosure with CitiMortgage. The issue has not been resolved. CitiMortgage fails to respond to any and all of our requests for a loan modification. They also do not disclose the property sale date to us at all, we always have to find out via the local paper. Also, we have reviewed the original loan documents have found a real problem with the appraisal they did on our home. We refinanced the loan we had with Citi for a lower interest rate, the appraisal was inflated by {$47000.00} in only a span of 9 months. We feel this is predatory as Citi signed off on the appraisal which was done by the same appraiser who appraised our home for the previous loan. We have attached the appraisals for your review.
I have submit a compliant last year regarding to a private student loan from the creditor XXXX XXXX XXXX XXXX. ). At that time the collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beginning harassed about a debt that I do not owe. First Financial Resources , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX have notified me via US mail and I replied in writing on XXXX/XXXX/XXXX. I requested copies of all text books, labs, uniforms etc. but were not provided the information. This company mailed a copy of a contact on XXXX XXXX, XXXX. I have no knowledge of the contract. I am not responsible for the amount the creditor states that I owe. The creditor to this day have not provided me with proof of this debt as I requested ( ex. all books, labs, etc ). Why should I pay for something that I do n't know what I was charge for in details. Also, the company has threatening to place me in collection due to this matter.
On XXXX XXXX, 2016 at approximately XXXX United Recovery Systems called my place of business asking for my husband. This is completely inappropriate. This is clearly not my debt and even if it were they have no right to call my place of business. They asked to speak to my husband and when my secretary said " do you mean XXXX XXXX '' the agent responded of that must be his wife. We will call back. Please do not allow these criminals to call back my place of business for a debt they think my husband owes them.
first it 's a used car. when i applied for the car loan, the price of the car was {$12000.00} and when i signed the papers the price became {$16000.00} for 72 months. after 1 payment they added another month and now i have 73 month. after 4 payments the amount is still the same. it 's like i 'm not paying nothing. i think they are trying to steal my money. i gave them a deposit of {$2500.00} and i dont know what they did with that money. please help me. my car loan is from santander consumer usa