WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I, XXXX XXXX XXXX ( " Plaintiff '' ) had attempted on numerous occasions to access my online Equifax Credit Information Service XXXX XXXX ( " Defendant, Equifax '' ) account from their principle website located at www.equifax.com. In which, the Plaintiff had not obtained authentication access to her online Equifax account in many years ; she had clicked onto the forgotten password [ hyperlink ] then she had been linked to another Equifax 's webpage prompting her to entered, her last name, social security number, and date of birth into the appropriate textbox fields. After, the Plaintiff had completed typing into the required textbox fields then she had clicked onto the " continue '' button to link her to the next webpage, and she had received a message that stated : Equifax Customer Service No Products Available We apologize for any inconvenience ; however, we are unable to log you into our system at this time. Please contact our Customer Care department at Equifax Customer Care or XXXX ( XXXX ), 7 days a week between hours of XXXX XXXX and we will assist you with resetting your sign-in information. 

The Plaintiff next step was to contacted, Defendant, Equifax 's customer service representative in regards to her Equifax online account has been unlawfully block, and the Defendant, Equifax 's, customer service representative informed her for additional documentations are required such as, a copy of her social security card, utilities bills, and Illinois Driver License or State Identification Card to the Equifax 's Credit Agency, Dispute Resolution department. In XXXX XXXX, the Plaintiff had legally changed her legal name in a judiciary court in XXXX XXXX, Illinois from XXXX XXXX XXXX to XXXX XXXX XXXX however, her social security number and date of birth should have not been changed, or altered into the Defendant, Equifax 's data system. The Plaintiff has not under any circumstances, however, waiving, any legal rights to anyone person including family members, presently or future in legal procedures nor had [ has ] she legally authorized them to obtained accesses to her Equifax Credit reports and [ or ] account. The Plaintiff has not any debt obligations for consumer credit loans activities such as, credit cards, XXXX XXXX XXXX, student loans debts, and [ XXXX ] Cable and Cellular Phone Telecommunications Contract agreements. And if, any consumer credit loans had been established by any furnisher those credit loans were obtained on forged or fraudulent instruments, therefore, she is a victim of Identity Theft criminal activities. The Plaintiff should not have to provide the Defendant, Equifax with any copy of her social security card, utilities bills, and Illinois Driver License or State Identification Card when those information are obtain from the furnishers to the Defendant, Equifax. In addition, the Plaintiff alleged, supplying the Defendant, Equifax with a copy of her identity authentication features instruments only smooth the progress of false personations, and perpetuates identity theft activities.
In XXXX, XXXX XXXX, a XXXX vendor, accused me of a late payment and attempted to charge me fees. It was only when I contacted the XXXX in that state XXXX admitted their error and relented. Now, Navient has accused me of missing a payment, even though I have bank records showing that the payment in question was made in XXXX ( although not due until XXXX XXXX ). I have submitted documents to the XXXX office once again, but I want some explanation as to why this continues to happen without any cause. I posited to the attorney general 's office that it might be a rather obvious attempt to " steal '' from individuals. Regardless, there must be some reason ; I do not feel I am the only victim here.
My XXXX credit card account was closed because of some personal hardships. I tried login into my account and they said it was locked due to security to reasons. When I tried to get it unlocked they said it was unable to be unlocked because it was closed. I am now unable to get my current balance and make payments online. This seems predatory and intentional to get consumers to miss payments or make the wrong size payments.
I called inquiring about service. Thought I was going to go with you. a few hours later I decided not too. You billed me today for services I do n't have .... {$73.00}
I filed a dispute with Equifax on XX/XX/XXXX confirmation # XXXX and XXXX # XXXX regarding the inaccurate reporting of my XXXX XXXX  credit card account. The account is listed as 60 days past due with my last payment in XX/XX/XXXX and that I owe {$63.00}. My account should be listed Pays As Agreed with no past due amounts. I received the results of the investigationXX/XX/XXXX Monday morning. There were portions of my payment history that had been corrected but my account history was still listed as 31 -60 days late. I spoke with a representative named XXXX  and she said I had to contact XXXX XXXX. I told her that I 've contacted XXXX XXXX XXXX and they have not responded.
She said she would refile the dispute. It was refiled on Monday and I received results today XX/XX/XXXX and my historical payments have been corrected with no past due payments but my status is still listed as 31-61 days late. My status is supposed to be PAYS AS AGREED! I 've made payments to XXXX XXXX XXXX. I 'm up to date and on time. I make my payments thru the mobile site. I 've had issues with reviewing statements and the mobile pay platform. However I have monthly payments to XXXX XXXX XXXX thru my checking account. I 'm not behind on my payments. I do n't owe XXXX XXXX any payments. This error has dropped my credit score by 49 points. My status should be listed as Pays As Agreed. I would like this updated as soon as possible. This drop in credit score has triggered reviews by other creditors. Im in the process of trying to refinance and this drop in score effects my ability to refinance. XXXX XXXX XXXX is examined by the OCC.
BC Services sent collection letters addressed to my wife, XXXX XXXX. This is improper because XXXX is not listed on the debts in any way. BC Services was not attempting to obtain contact information for me, as they already have it. BC Services was providing information to her about these debts. She and I were married after the debts were incurred. Colorado is not a marital property state, which BC Services should be well aware since they are headquartered there. 

BC Services has shown a disregard for the laws and procedures in place to protect consumers. This is the second instance of blatant disregard for the law. The first instance may be identified by Case number : XXXX. After this complaint was filed, BC Services did seek to correct that failure. 

Please note violation of multiple account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
I contacted Equifax about some fraudulent inquiries on my report on   XXXX  , and was informed by the representative that they would investigate the inquiries. As of  XX/XX/XXXX , i have not received any correspondences and they continue to report these inquiries listed below : Campus  XXXX    XXXX     XX/XX/XXXX   XXXX -   XXXX    XX/XX/XXXX    XXXX     XXXX     XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX -   XXXX   Rate Genius-  XX/XX/XXXX
Use the western union services fairly often for small transfer. Cancelled a transfer ( {$260.00} plus {$6.00} fee ) within five minutes or less on XXXX XXXX, 2015. Was told money would be credited back to my XXXX XXXX within 5 days. On XXXX XXXX called regarding credit to XXXX and when they said nothing had been credited I called WU. They told me it was still being processed. XXXX told me best to file disputed. On XXXX XXXX called WU again because I was no longer able to wire transfer online but given message to go to agent. Since I live XXXX miles from nearest agent and probably sent XXXX previous online transfer that is totally unacceptable. Called yesterday and they said everything would be taken care of immediately and no reason I could n't use online services. 
Tried again to go online and WU has poor timing in sending me a customer survey. 
Here is what I summarized ; Called regarding my refund status on cancelled transfer from28 days ago. Was told it would be refunded that same day yesterday but XXXX has not received any notice. In addition I asked why I could not send online transfer anymore and yd to go to agent. They said there is no problem but 24 hours later XXXX XXXX has received nothing and I am still unable to do wire transfers. Seems like retaliation for my complaint. 

Thanks, XXXXSent from my iPhoneSent from my iPhone
I received a letter from AFNI claiming I was in an auto " incident '' and it was determined I was liable. I requested more details on : the nature of the incident, where and time it happened. Copies of police reports, insurance claims, etc. To which they responded with another letter demanding payment. 

It appears they are trying to defraud my insurance company, by using the guise of an " accident '' to have the insurance company pay for a 1 ) accident that never happened ( car has NO recent damage. ) 2 ) using my insurance to pay for a debt that is no longer collectible ( dis-charged/written off ). 

Their file # is XXXX, the insurance ( XXXX ) " claim # '' XXXX, the " incident '' took place on XXXX-2018 and is for {$450.00}
I have a XXXX credit card years.never missed payment. I had a XXXX and XXXX   XXXX on XX/XX/2017. I have insurance on the credit card I pay monthly for years. I contacted them by email and telephone. I was told they don't handle that and had no idea how to make those adjustment. I was refused a supervisor and no one did anything. I got mad at the store and they said to call my account was closed and charged off.on my credit. I have insurance.
Equifax removed all of my accounts from my credit report, then re-added them but without any payment history information, positive payment history, causing my score to drop XXXX points and therefore intentionally depriving me of the positive payment history reported to them. I am attaching proof of this via a report of the major XXXX obtain today. They refused to acknowledge the errors submitted in a previous complaint.
Last month I sent Midland a validation request, to either substantiate a questionable account they had reported to my credit report or delete the account from the credit report. 
They have failed to do neither, thereby violating my rights under the FDCPA.
This debt collection is for a XXXX XXXX. 

My wife XXXX XXXX XXXX was married to a XXXX XXXX - who died 17 years ago - they had NO children together! XXXX XXXX is a child of XXXX from a previous marriage that was divorced. XXXX former wife had custody of XXXX My wife and I have been married for 15 years. I have never met XXXX and my wife has never had a relationship with XXXX - even when she was married to XXXX! 

We get harassing phone calls from debt collectors for XXXX XXXX and her husband - Daily! on both of our phone lines! We have requested they remove our contact info - but this stops for a period and then restarts. the caller harass us and threaten us - the only info I have for the collection company is - Capital Accounts, XXXX XXXX, PA - phone XXXX
I have not been successful with my request to Capital One for relief from {$720.00} in charges fraudulently applied to my credit card account. The background for these charges follows : 1. On XX/XX/2018, some unknown person without my authorization used the information from one of my companys Capital One Spark Business cards to make six ( 6 ) separate and identical purchases on XXXX. 
2. On XX/XX/2018, someone again, without my authorization used the same card information on www.Walmart.com to make eight ( 8 ) separate and identical purchase transactions. Each of these  transactions consisted of two separate items. 
3. On XX/XX/2018, eight ( 8 ) separate XXXX items were delivered to our business location, and although our employee signed for them in a routine manner when asked by the XXXX  driver we promptly contacted Capital One to report the incidents as being fraudulent. We also flagged all fraudulent charges on Capital Ones website. 
5. We did not become aware of the remaining portions of the eight ( 8 ) fraudulent transactions on XXXX until I received my next Capital One statement, because those items codes for gift cards, as we later learned were delivered digitally to an email address that is not associated with our business. 
6. Also, because Capital One has never provided any information on the transactions made on XXXX, we did not become aware of those six ( 6 ) fraudulent transactions on until I received my next Capital One statement. Those items have never been delivered to our business location, and we still do not know what the transactions were for. 
7. In three of my attempts with Capital One to resolve this entire matter, I followed Capital Ones instructions and called Capital One Customer Fraud Protection department. For each call I made, a recorded message stated someone would return my call as soon as possible, but no Capital One representative has ever returned any of my calls. 
8. On XX/XX/2018, I called Capital One Transaction Support Center and talked to a representative who explained that Capital One doesnt consider our case to be fraud, because we actually received and signed for some of the purchases. See # 3 above for a complete explanation of this. 
9. On XX/XX/2018, I called Capital One Transaction Support Center, which ended when the representative determined he could not help me, but he would contact Capital One Customer Fraud Protection and have someone call me to complete the resolution of this matter. No one has ever made any such promised call to me. 
10. On XX/XX/XXXX, I received a postal letter from Capital One Transaction Support Center stating, in reference to my Fraud Case, we consider your case closed. As a result of all this, {$720.00} in fraudulent charges remain on my account.
I sent both XXXX  and Transunion a letter requesting that they verify and validate information that they are reporting on my credit report and I also requested WRITTEN validation and verification that the previously disputed items they are being paid to list on my credit file. 

This is my 3rd request and they have not sent anything to me. per federal law they are required to. As I have previously written them that their is someone else that bears my same name and the accounts that they are listing on my report is inaccurate and that a proper investigation needs to be conducted not just a letter sent to me stating that they completed the investigation and no results sent to me.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

We are requesting that they abide by the Federal Laws in this matter.
XX/XX/2017 Credit systems info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. 

XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.
I am listed as having an address in South Dakota, and I have never even visited SD. 
and another address is wrong. 
I have never lived XXXX
I was sued in 2003 by XXXX. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX Municipal Court XXXX, Ohio. XXXX. 2003 CVF XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.
XX/XX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

The company has failed to respond with any information to validate the debt they are trying to collect from me but are still reporting the information to my credit report. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.
I sent money to my cousin who is in prison, I do not have the reference no. of the first transaction but it was back in XXXX back then I had confirm all the information concerning my relationship with beneficiary. On XXXX XXXX and XXXX of XX/XX/XXXX I sent him money ref no. XXXX & XXXX my cousin was waiting for the funds and he had not received it ref no. XXXX, I contact the customer services which informed a representative informed me that the transaction was under review. She ask mw what was my relationship with beneficiary and then released the funds.after informing that beneficiary was my cousin. Now on XXXX XXXX, XX/XX/XXXX the same thing happen, the whole day pass and my cousin had not received the funds. I called customer services again and the representative informed that the received had to call them. I told him that if had receiver my money transfer and informed in that this was going to someone in prison. He asked me to be placed on hold and the informed that funds were released. I do n't know what money grams employees are doing there is no reason for my transaction to be on hold if they have confirm the information with me. this is a frustrating situation. I will NEVER use money gram again. bad services and made me waste my time.
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, XXXX XXXX  XXXX, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).
I was offered an informal forbarnace on my loan due to the the impacts of Hurrican Irma on our area in Florida. I have submitted documentation and loss mitigation request packages numerous times to try to get on a repayment plan to bring the loan current or request a modification, or simply an extension of the forbearance until XX/XX/XXXX when I will receive my delayed bonus in order to bring the loan current. I have received little to no response and communication from SunWest and promises for call backs and assistance that have gone unfulfilled. At this point, the forbearance is up XX/XX/XXXX, and I have been trying all week to get answers on what I can do to ensure my credit is not impacted and how we can work to bring the account current. When you call the loss mitigation and customer service departments, you sit on hold for 5 min and then are automatically dumped into a voicemail box. I am out of options and am simply trying to ensure that I can work to bring my loan current as soon as possible. I have diligently been trying to work with them for the last 60 days and it seems they are ignoring my requests so that the forbearance will run out and they can asses late fees and impact my credit report as of XX/XX/XXXX.
I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ XXXX XXXX in New York. I advised them I 've never had an account with XXXX and filed a complaint with XXXX directly today XXXX XXXX, 2017. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in XXXX.
Debt collection agency SW CREDIT SYSTEMS, XXXX, TX placed negative information in my credit report that dropped my score XXXX points ( from XXXX to XXXX ). They did not leave a voicemail about the {$130.00} debt due to XXXX XXXX after a summer job last year in XXXX, WI. I had paid my bill by check so an address was available. They said they called, but never left a phone message. The name on the bill was incorrectly listed as XXXX XXXX, but somehow they were able to find my correct social security number and attach the debt collection to my credit report. This is UNETHICAL and should be unlawful. I paid the debt immediately upon notification it was due. I have stellar credit and I want it back. Now! The report indicates it will remain on my report until XXXX 2022. I have always had very favorable interest rates due to credit score. It seems incredulous a {$130.00} debt could negatively influence my ability to borrow for the next eight years. I would like the information removed so my score returns to a typical XXXX. Thank you.
After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage. 

It is now reflected on my credit score and Associated Bank has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement. 

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). During their investigation, Associated Bank confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.