WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax continues to ignore my rights and report false information on my credit report. I have explained multiple times that this account should be removed due to the payment history and last payment being over 7 years old. 

Equifax is violating my rights by refusing to removed this account. They have not been investigating the account and have been using outdated data to keep this account active on my profile. My credit report is not reporting complete and accurate. 

I will continue to add other offices and agencies to receive a copy of my complaints.
Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX I spoke with XXXX in XXXX XXXX, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for JC penny and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.
This company is Comenity Bank which handles credit card accounts for Victoria`s Secret. I notified this company by letter of fraud for {$490.00} on XX/XX/XXXX. A letter was returned to me XX/XX/XXXX indicating I had no basis for the fraud. I submitted an identity theft report, proof of identity, police report and Notice of Furnishers of Information XX/XX/XXXXin written form via return receipt mail which was received by signature confirmation. I again received a bill from this company XX/XX/XXXX requesting payment.
I recently received a copy of my Experian Credit Report ( XXXX ) on XXXX/XXXX/2016. For several months I have been disputing what I believe is a questionable Hard Inquire from XXXX XXXX XXXX dated XXXX/XXXX/2016. I have disputed the inquire with the XXXX other major Credit Bureau and upon the completion of there investigation they determined that inquire were to be removed from my Credit Report. Experian continues to refuse to remove the mentioned hard inquiry from my Credit Report and continue to deny my right granted to me by the FCRA. If the other XXXX major credit bureau conducted there investigation and determined to remove the inquire from my credit report it could only result in the ethical and trust worthiness of how Experian handles disputed items from consumers.
I've sent a XXXX payment transfer from my XXXX XXXX to Capital One 360 about a week ago and the money has not arrived in my capital one 360 account. I've received confirmation from both banks that the money has been sent and received but it's not showing up on my account. I've contacted XXXX XXXX and Capital One 360 numerous times and spoke to the representatives and the supervisors there but they are not willing to fix this issue and give me my money back. The money is lost somewhere and the banks can not find it. I've sent money from my XXXX XXXX to Capital one 360 before using the same method and I've had no problems.
XXXX XXXX with Empire Resolutions has called my ex-husband, his Mother, and his brother, when he has my phone numbers and I have spoken to him about my desire to pay the debt. His illegal calls were made after I tried to set up a payment, but the lawyer promising me to have my divorce settlement keeps promising a date for my money, then having a reason for pushing it back. I have been trying to get this divorce settlement for over a year and this is the reason that I could not pay the XXXX bill. The original bill amount was XXXX. I would happily set up to pay this amount. XXXX XXXX XXXX led me to believe that the amount he quoted me was the original debt amount, less fees and late charges. It turned out that it was the full amount with fees and finance charges. He threatened to take me to court if I did not agree to pay the full amount, which he said would easily cost me XXXX times the amount. When I called him back he said that they were not a debt collection agency but a pre-law company and that their lawyers said that the amount of the debt was low so they would not take off the fees. I believe he was lying to me and trying to threaten and scare me into agreeing to pay the full debt to his advantage. i am trying hard to pay my debts and do not plan to file bankruptcy. I am sick of all the collection agencies using these tactics to collect their fees. This man should lose his job. 
Sincerely, XXXX XXXX XXXX
XXXX XXXX, 2016 Rented a car from XXXX with my XXXX card for 7 days. While the rental car was in my care, I had hit a small animal. Small damage. XXXX has a benefit called Auto Collision Damage Waiver. How to activate this benefit is to do the XXXX following. 
For the benefit to be in effect, you must : Initiate and complete the entire rental transaction with your eligible XXXX card, and Decline the auto rental company 's collision damage waiver ( CDW/LDW ) option or similar provision. 
The whole document of the benefit is here : ( XXXX ). 
So after noticing that there was a cracked front end of the bumper I proceeded to file claim with XXXX XXXX online. XXXX had requested these documents : A copy of the Incident or Accident Report from the rental agency. 
A copy of your auto insurance policy 's Declarations Page [ the document that lists limits and deductibles ] effective on date of incident to confirm your coverage and deductible. If not insured on date of incident, supply a notarized letter stating such. 
A copy of the Demand Letter ( document from the Rental Agency outlining their payment mailing address, claim reference number, and all damage and/or expenses for which they are seeking repayment ). 
A copy of the itemized estimate of repair or appraisal detailing the repairs made to the rental vehicle. 
The Final Rental Agreement verifying the return of the vehicle and the final rental charges. 
A copy of the monthly billing statement ( showing the last XXXX digits of the account number ) verifying that the rental transaction was applied to the covered card. 

After providing those documents to XXXX online, I get an email from the rental company fleet collectors stating : " I received a release from XXXX that I can not sign as they are not fully funding the estimate amount on the claim. I am fine with the offer on the loss of use and the admin fees, but I have to have the full physical damage portion funded on this claim. Please go to our website at XXXX and make your payment of {$220.00}, once you have funded this amount, I will sign their release for the remainder of the offer for {$3200.00}. 

So I contact Claims administrator several times and they claim that it is industry standard that the fleet company gets a XXXX percent discount on the parts and the only way for eclaims to pay the amount if for the car company to produce invoice/reciept of what they paid. XXXX states they do not provide this information. I am stating this because XXXX did supply me the estimate that XXXX wanted " A copy of the itemized estimate of repair or appraisal detailing the repairs made to the rental vehicle. '' and there was no stipulation that visa eclaims would take it upon themselves to reduce it by XXXX percent for parts. My aggreement looking at the benefit PDF page is that they would pay for incident providing I retained the documents and nothing withing the benefits state that there is an industry standard discount on parts and they will adjust this amount. I did what they asked and declined the extra rental insurance as I thought this would have saved me money. But now it is costing more money by counting on XXXX rental car benefit.
Ive had a loan with AES since XXXX. Ive always been on time with AES paying on time with no problems. In XXXX I had some financial Issues going on internally. My bank account weas locked due to a claim going on and a couple of my AES payments were sent back. With no notice or warning or information provided AES blocked my online access. I am unable to go online and view my account, make online payments, make telephone payments or see the status of my loans, interest charges or update information. I have called AES and asked them if I could speak to financial management who blocked my account and they said there is no way i can talk to them at all to explain my situation. I can provide information to them why my account was blocked. AES has no desire and made no efforts in working with me to resolve this situation. When i am able to wait hours to get on the phone with AES I called and spoke with a representative, he told me i can only send in checks or XXXX XXXX XXXX XXXX to AES. I was still suffering from financial issues and AES did not help in the payments I could make. I sent in a check when i could and AES did not put the money on the desired loan I previously spoke with a AES employee about. As a result my loan defaulted. AES also abuse customers with interest rates. My principal balance hasnt gone down at all. I have been paying interest for 5+ years.
This is based on Equifax : My name is XXXX XXXX XXXX. 

But someone used it as XXXX XXXX & XXXX XXXX Most of the credit cards and a major car loan, is not mine. 

I only have 1 car loan from XXXX XXXX XXXX and 1 credit card from XXXX XXXX, ALL else are incorrect information. 

I only have 2 major hard inquries which is from the XXXX XXXX and XXXX XXXX. 

The details from my XXXX is accurate while Equifax is way inaccurate. They probably used my sister 's social security number or had a typo that combined both of us. Again, I only have 1 car loan from XXXX and 1 Credit Card from XXXX XXXX, ALL else is from my sister ; XXXX XXXX. I asked her about it and she had no idea on why did this happen.
This complaint is against Santander Consumer USA. I am filing a complaint against this company because we have been paying for a XXXX XXXX XXXX for the past 3 years and yet the bill still has not went down yet. We have been sending in XXXX dollars payment weekly and yet the bill still has not went down. The car was only worth XXXX or less but our insurance paid XXXX and change for the car. The car was total due to an accident. I do not understand were this went to and yet they have let clueless explanation. I am still looking at bill for {$2200.00}. We have GAP insurance to help pay off the vehicle but yet we still owe a large amount of money. I do not know what is going on with Santander Consumer USA but I do think it fraud upon the company. I want the c Consumer financial protection to look into this matter because I am the consumer need to know where my money. I think Santander does not need to be in business because they are taking advantage of poor people like myself and adding interest for no reason. Please look into this matter.
An unauthorized inquiry was placed on my Equifax credit file from XXXX XXXX XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015, I contacted the local XXXX XXXX. XXXX branch listed for the Equifax inquiry to let them know I did not authorize the inquiry and it was fraud. I sent an affidavit regarding the credit application to XXXX XXXX XXXX. The branch manager, XXXX, forwarded my affidavit to XXXX XXXX XXXX fraud department. The fraud department contacted Equifax requesting that they remove the inquiry. XXXX XXXX XXXX sent me a letter dated XXXX/XXXX/2015 stating they contacted all credit reporting bureaus to remove the inquiry. On XXXX/XXXX/2015, I initiated an online dispute with Equifax and faxed them a copy of the letter XXXX XXXX XXXX sent me because the inquiry was still listed on my credit file. Today, XXXX/XXXX/2015, I receive notice that they completed their investigation and the inquiry was a " factual record of file access '' and if I believe it was unauthorized to contact the creditor. I 've already done that and the creditor has already contacted Equifax to remove the inquiry. Equifax apparently is refusing to comply. I 've opened another dispute with Equifax , case number XXXX, regarding this matter. I 've attached the letter I received from XXXX XXXX XXXX, a copy of the fax I sent Equifax with case number XXXX and the results I received from Equifax for case number XXXX.
On XX/XX/2014 .AMOUNTS ARE $ XXXX.THIS IS PAYDAY LOAN. I DID NOT LOAN IT. IT WAS NOT MY SOCIAL SECURITY NUMBER ALSO. I DID NOT KNOW THEY WERE HAVING TO REPORT TO THREE COMPANIES CREDIT THAT I OWERS.
Stellar Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
In response to a letter from American Express hardship program, I made multiple payments on time and more for the amount owed. Amex sent me a collection letter stating that I haven't paid based on the agreement. This is not a true statement. I have proof that I have paid on time since being in the hardship program. Amex will not return my calls and states that is now in collection. I have tried to handle the dispute with American Express but they refuse to work with me regarding the mistake in there credit reporting.
My property was a victim of extreme flooding during Hurricane Harvey in XXXX. After spending weeks going through flood claims with the NFIP / FEMA and my mortgage company, Rushmore Loan Management Services, I finally received a check from the NFIP that was endorsed to both Rushmore and myself. After endorsing the settlement check and sending it in, Rushmore took 3 weeks to put my funds into a special escrow account. The ability to receive funds is dictated by the terms of Rushmore and their Loss Draft Department guidelines, none of which are favorable to the homeowner. The settlement was above the {$40000.00} threshold which Rushmore instructed had " special '' procedures. 

The process of getting funding from Rushmore has been nothing short of impossible. First, Rushmore mandates a contractor must be hired, costing the end consumer potentially thousands more and lots of headaches. Upon finding and selecting a contractor, Rushmore puts the contractor on all checks payable until the release of lien is received. This has become a problem because my contractor has been scamming me as a homeowner. Upon the contractor electing to walk away, I am required to pay his amount stipulated in exchange for a release of lien. Rushmore will not send any further money from my insurance settlement until the first release of lien is received, even if the consumer / homeowner is forced to be out thousands extra to avoid going to court with the scam XXXXtractor.

Rushmore is prohibiting the homeowner from getting the necessary work done with the funds received from the insurance the homeowner paid. The rigid processes that Rushmore has put in place has put a financial strain on me as a consumer and I 'm sure thousands of others like me. Their Loss Draft Department consistently provides inconsistent information and is never prompt in their responses. Paperwork takes week to be processed and receiving any funding takes even longer. 

Rushmore has put me in a major bind between losing thousands with a fraudulent contractor to simply gain access to the remainder of my funds in a timely manner or spend years fighting the fraudulent contractor in court, prohibiting me from getting the necessary funding to complete the rebuild of my home. This is a major strain on the homeowner / consumer and forces me to have to choose between the lesser of negative outcomes even if it costs me funding for no reason other than Rushmore 's loss draft processes. 

Rushmore protects the contractors before their own clients. There is no protection or benefit for the customer. 

I am in completely good standing with Rushmore and have never missed or been late on a payment.
I disputed before the amount this debt collector says I owe with a previous debt collector Please see CFPB case XXXX I 'm still waiting documentation from the original creditor. 
Then For this debt is not valid.
I had a loan from Lending Club in the amount of {$35000.00}. It has recently been charged off and now I owe around {$37000.00} to them. 

My financial situation became dire last year due to some increased financial obligations to family members and house that we recently took over. Prior to these sudden changes, I had made XXXX successful payments on time with this current loan, as well as several on time payments with another Lending Club loan before I had it paid off. 

Due to falling delinquent around XXXX of last year, I attempted to make several arrangements to catch up but fell short. As a result of that, around XXXX of last year the loan was referred to a collection agency called XXXX XXXX. I began working with them to establish a payment plan. I was able to commit to {$110.00} dollars or so over a 20 month period just to get Lending Club some sort of payment. I made XXXX payment in XXXX. When XXXX 's payment came around, I was advised by XXXX XXXX that Lending Club already charged off my loan. When I was told that, I was extremely upset and placed a stop payment on the XXXX payment as I got tired of getting the running around from them. 

Every time I called Lending Club they they said I could n't speak to them and I needed to speak to XXXX. When I called XXXX, they could not give me any more details other than the delinquent balance. 

Today is XXXX and I have sent XXXX emails and made several calls to Lending Club ( to which I finally got a call back ). I wanted to discuss settlement options with them to alleviate the balance owed as my credit score dropped to the XXXX range from around XXXX. The settlement option they gave me was over a 12 month period for a balance of about {$24000.00}. I told the representative on the phone that I fell behind on my monthly payment of {$1000.00} and for them to expect me to pay double that per month over 12 months was assanign. I had to ask the representative the following question twice, " how can a person who ca n't pay X, now be expected to pay double the balance at Y? '' I need assistance here for this matter as I 've never had a delinquency before. I am a single income supporting my wife and XXXX children and I want to make this right. To add insult to injury, I just got into a car accident last week and I feel my car might be deemed salvaged by the insurance company given how old it is. So my only form of transportation to work might be taken away, and now that I have a horrible credit score, I would n't be able to get a car lease or a loan to purchase a new car if I wanted to.
On XXXX XXXX, 2017, the consumer agencies, Experian, XXXX and XXXX mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, Experian falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores Experian, XXXX and XXXX sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that Experian provided to me and the various credit scores lenders actually use. As a result, Experian, XXXX and XXXX  credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.
Furthermore, I have asked for access to my bank statements for my accounts. Normally these statements are available online. Since they have revoked my online access, I can not view or download any of my bank statements. To add insult to injury, whenever I call into USAA to request the statements be mailed to me, I am told I must pay {$10.00} per statement. I believe there are payments that were made to my loans with USAA that are evidenced on my bank statement, yet they are not giving me access to documents that will either prove or disprove my claim. 

In XX/XX/2016 I also purchased an extended vehicle contract on a XX/XX/2016 XXXX. At the same time, they closed my account relationship with them, they cancelled the agreement and refunded all the money I paid in to it, even though I did not want this third-party agreement cancelled. They issued me a refund, yet I have no way of confirming whether the refund is the proper amount. I can not verify information online and the payments would be evidenced in my bank statements which they are not providing to me. Needless to say, when USAA cancelled this third-party contract, the action prevents me from getting coverage elsewhere without incurring a significant cost increase. It is worth mentioning that payments towards the auto warranty were made on time and were never late. 

In closing, I need the CFBP to assist me with getting my issue addressed with high level governance within USAA.
Repeated phone calls, harassing and threatening language. They call from multiple numbers after I tell them not to call anymore and they call before XXXX and after XXXX.
Called Transunion to report Duplicate unverified inquires on my report. XXXX is duplicate and XXXX is a duplicate. Should only have one inquiry for both.
My tax refunds were deposited into another bank account at my current bank Wells Fargo. This happened on between XXXX XXXX through XXXX XXXX of XXXX. Both returns are close to XXXX. 
I have contacted Wells Fargo several times as my taxes refunds were never deposited into my bank account. As per Wells Fargo, there is nothing that they can do. Wells Fargo refuses to take responsibility for clearing a XXXX and XXXX check that was deposited into someone 's else accounts when the checks names did not match the name of the person in which my tax refunds were deposited. 
As of XXXX/XXXX/XXXX, I have not received my tax refunds because the person took the money out of their account and Wells Fargo refuses to help me with this matter.
In XXXX I provided equifax with a police report with fraudulent/identity theft account which was open with my personal information, after the first investigation equifax failed to do there due diligent, and they still left two of the accounts on my credit report, this fraudulent accounts are XXXX  XXXX XXXX and XXXX XXXX, equifax failed to provide me with information on how the dispute was conducted and information XXXX XXXX XXXX and XXXX XXXX provided such as a physical signed agreement or drivers license that was provided when these accounts was open but could not done so, but instead I was told that the only information that was provide to equifax was word of mouth, I filed a complaint two months ago and equifax stated that they was going to reinvestigate the accounts but never did. all I need is for XXXX  XXXX XXXX and XXXX XXXX and equifax to provide information such as physically signed agreement and copy of drivers license when these account was open. and if they do, the information would not belong to me because I never open those accounts with those creditors.
Mortgage Loan Number Loan # XXXX Gateway Mortgage Group , LLC, XXXX XXXX XXXX XXXX, XXXX, OK XXXX Gateway mortgage has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). I disputed this directly with Gateway Mortgage numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " Verified, No Change ''. Report attached.