WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.
I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. 
It is apparent that you are acting on the presumption that some relationship that you may have with Caine & Weiner/XXXX XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with Caine & Weiner/XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. 
Accordingly, I do not understand how to respond to you since I am unaware of any contractual relationship between us. 
As a courtesy and because you may find it helpful, I have attached recent correspondence between myself and Caine & Weiner/XXXX XXXX XXXX, wherein I have repeatedly offered to settle the matter between myself and Caine & Weiner/XXXX XXXX XXXX. 

NOTIFICATION didn't disclose it was an attempt to collect a debt. 

Consumer didn't receive notice of right to dispute.
Former Address XXXX XXXX XXXX XXXX, SC,XXXXFirst Reported XX/XX/XXXXLast Reported XX/XX/XXXXWe/I have never had this as our address. Our XXXX XXXX address 's : Former Address XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXXFormer Address XXXX XXXX XXXX XXXX, SC, XXXXFirst Reported XX/XX/XXXXLast Reported XX/XX/XXXX
They are reporting fraudulent addresses in my credit profile. XXXX XXXX XXXX XXXX, XXXX XXXX are not my addresses. Please remove from all three bureaus
A XX/XX/XXXX debt from XXXX was discharged in bankruptcy XX/XX/XXXX. However, in XX/XX/XXXX and XX/XX/XXXX two accounts that were discharged with the original creditor XXXX, was sold to I C SYSTEM COLLECTION AGENCY. I C SYSTEM are reporting wrong dates on my credit reports for these debts as well as continuing to collect on these debts that I do not owe.
I 'm writing because I 'm flustered and have exhausted my efforts with Nationstar bank on solving my mortgage problems and hope that you can advise me in a solution. 
Nationstar mortgage purchased my loan from XXXX XXXX XXXX in XXXX of 2013. Since then I have had nothing but problems. My loan is a 30 year fixed rate with the first 10 years going to interest. I am 3 months ahead on my payments. When I receive my statement each month, I have to call them and spend at least 2 hours on the phone to get the payment applied correctly because they have applied the payment to principal. In XXXX, I received a letter from them stating that after an analysis of my account, I was deficient in escrow and my payment was going to increase due to this shortage. My statements for XXXX, XXXX and XXXX reflected the increase from {$1500.00} to {$1600.00}. My calculations show that I will have a surplus of over {$800.00} by the time my property taxes are due, so why the huge increase. My statements for XXXX and XXXX show that I owe {$1700.00} with an overdue charge for $ XXXX.When I call about the overdue charge, they say it is because they received the payment late. When I tell them that I am 3 months ahead on my payments, they tell me not to pay the overdue charge and that they will make a correction. The corrections are never made. Now they are taking money out of my regular interest payment and applying it to late fees. This has cause a shortage in my regular interest payment and they have moved the remainder to principal. They have deducted {$80.00} twice. My statements for XXXX and XXXX have the same escrow balance. Why I do n't know. I have been on the phone for hours trying to get some answers and it ends up in being disconnected, in which they do not call back. When a Nationstar representative put me on hold to talk to a supervisor and I ask to speak with the supervisor, I am promised a call from a supervisor that never calls back or I am disconnected. I have been even told that we are the bank and we can do whatever we want. I have talked to XXXX in accounting and she was just down right rude and mean. She explained that I need to pay {$1600.00} per month. When I asked why they sent 3 statements showing I owe {$1600.00} and she disconnected the call. I did actually talk to a supervisor at one time and his name is XXXX at ext. # XXXX. He told me if I have any problems call him. On several occasions I contacted him for assistance and he asks for time to research the problem and then he never called back. I want a full explanation from someone at Nationstar that knows what they are doing and will go through each and every payment since they took over the loan. Someone that will not put me on hold for 2 hours and then disconnect and make me call back and explain everything all over again to a different representative. A representative that respects their customers.
The following inquiry needs to be removed immediately : Creditor Name : XXXX/ XXXX - XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Requested on : X/XX/2017 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this
Aspire Loan Servicing company has taken over the payment process for Iowa Student Loan. My private loans hold a grace period, this was established with Iowa Student Loan early on in my loans. I have spent countless hours with Iowa Student Loan reviewing options, understanding payments and understanding the loans process. I am aware of what I can and can not do and how my decisions will impact my loans and/or my credit. I have also flexed my payments based upon when paychecks are provided ( as do most consumers ). This was NEVER an issue until Aspire got involved. Aspire contacts me, by phone, if my loan is even 5 days past due. They call me from an unknown number ( which I believe is very underhanded ) and the representative attempts to force a payment over the phone. I previously explain to these representatives that payments are scheduled and I do not wish to make one at this time. They continue to push for payment telling me that since my loan is past due it may be reported to the credit reporting agency and I should make a payment today to avoid this. I again state payments are already scheduled for the upcoming payday week. I have NEVER been more than 10-12 days ( Iowa Student Loan explained 15 or more days is where there could be some additional issues with fees and reporting to credit bureaus ) late with my loans in over 10 years, they always receive payment EVERY MONTH. It is a constant battle and I feel harassed and exhausted every time I deal with them. Yesterday, however, they crossed a line and I feel action needs to be taken. The representative that called my phone from an unknown number AGAIN, identified herself as calling from Aspire Student Loan Services, explained the call could be monitored or recorded ( all the standard ) and then she proceeded to tell me that she needed to inform me that she was " DEBT COLLECTOR. '' This is insane, intimidating and misleading language. My bill was six days past due with a scheduled payment ( visible on their website ) for THIS Friday. She is not a debt collector and I do not appreciate being called in the middle of a work day from an unknown number with someone referencing DEBT collection as if I am months past due, or that I must pay immediately because I am in some sort of trouble. This company is getting FAR too pushy. I know that I am not the only customer that has issues with their aggressive actions for loans that have ALWAYS been paid. A letter after six days -- MAYBE, a phone call referring to a DEBT COLLECTOR is UNACCEPTABLE. Even mortgage companies do not harass you in this manner and they hold loans MUCH larger in capacity than this company, and allow the 15 days grace. I feel harassed and mistreated as a customer that pays EVERY month. I understand reminders, I understand follow-ups to make sure, but 6 days is uncalled for.
This is a follow-up to complaint XXXX. 

I am reasserting that I did not approve or sign any loan documentation in reference to XXXX XXXX XXXX # XXXX. 

I am attaching a notarized letter from the loan applicant, XXXX XXXX, stating that I did not co-sign for this loan.
Hello, I am trying to resolve an issue with Bancorp South regarding a charge filed on 2014 by XXXX XXXX XX/XX/<YYYY> in the amount of {$400.00}. For detailed explanation, please refer to attached letter.
I have disputed an account with Experian and the credit reporter and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.
I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : Hunter Warfield Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.
1. I refinanced my auto loan from US Bank to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX submitted XXXX Bank a check for {$19000.00}. This payoff amount was quoted to me on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, I had notified US Bank about cancelling an extended warranty that was purchased from the XXXX dealership when I initially purchased the vehicle. I was told that the amount would be around {$3200.00} and it would be credited back to my loan with US Bank. A representative told me that it would take XXXX wks for processing. However, it took longer than expected. I even notified US Bank about this and their representative assured me that this would be taken care of in a timely manner. The lady told me it was n't necessary to submit the XXXX payment because the {$3200.00} cancellation of the extended warranty would be processed as my XXXX payment. I made several phone calls to US Bank inquiring about the status of the check submitted by the XXXX dealership. 
2. I would like for US Bank to take responsibility for this error on their part. They have reported a 30 day late payment on my credit report. This has caused a major inconvenience to me and my family. As a result, this has lowered my credit score XXXX points. I am requesting that US Bank remove this adverse action from my credit so my credit file can be restored. 
3. Not only did this error effect my credit score, I also discovered that US Bank had misquoted my payoff on XXXX XXXX, XXXX. According to their records, there was a stop payment issued on the initial check for cancelling the extended warranty. Unfortunately, another check was issued and I was given credit for XXXX cancellations in error. This definitely caused a major inconvenience with XXXX XXXX XXXX XXXX and myself. I had to make several visits to RFCU to resolve this matter, which resulted in me having to do additional financing to support my remaining payoff with US Bank. This caused me to get an extremely high interest rate on the new loan for {$3200.00}. And I have been charged excessive daily interest by US Bank because they were n't paid in full. This was their error and they should 've waived the interest charged to my loan. 
4. I have documentation of my XXXX Mercedes Benz C-Class vehicle being paid off by XXXX. The XXXX check submitted was {$19000.00} and the second check is being submitted in the amount of {$3200.00}. I have lost wages from work having to make all those visits to XXXX. US Bank has not taken responsibility for this major inconvenience. They only have admitted to misquoting my initial payoff in error. They have not agreed to offer me any type of consolation, nor have they offered an apology. They have been extremely unprofessional and have shifted the blame on me. 
5. After thorough investigation, I would like that XXXX, XXXX XXXX -day late payment to be removed from my credit file. 


Thank you in advance, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
On XX/XX/XXXX sent dispute to XXXXn and Equifax concerning a collection from XXXX XXXX On XX/XX/XXXX I was advised XXXX deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XX/XX/XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
XXXX/Equifax finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring
I was working on my son and his friends bike and I was approached in my garage by an aggressive man who was very rude in front of the kids. I had no idea what this was about, until he forced me to look at a paper. I asked him to leave and he was very rude and hostile. Apparently it was from a furniture store that my ex has all of the furniture from. I was XXXX on and was left with nothing but apparently the bills without being told.
Trans Union - Should be removed with bankruptcy discharge XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX REV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast Past Due : XX/XX/XXXX90+ Days : XX/XX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XX/XX/XXXX XXXX REV RevXXXX XX/XX/XXXX C XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX230 Days : XX/XX/XXXX60 Days : XX/XX/XXXX90+ Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
We have been working dilgently with Ocwen Loan Servicing and tbey have been telling us, meaning my husband and I. They are not receiving our paperwork, we have been filling out paperwork for the last 5 months, trying to avoid foreclosure. However, they have been lying about receiving payments abd paperwork. We are frustrated and have called tbe VA worker in XXXX, her name is XXXX XXXX, which she did seem concerned, she stated we must do what we need to do, and I asked what that was, she replied fill tbe paperwork out no matter what, XXXX XXXX did not seem like it was urgent, nor did Ocwen Loan Servicing because they are not concerned with our social security numbers along with our private information. My husband is a XXXX veteran, and we have fallen short in trying to pay rent and a mortage, which is why we tried to do a deed in lieu. We have been unsuccessful trying to get this issue taken care of, and seeking help. We have been frustrated, and losted for help. We are good paying citzens, and fell into a rut. However, we are seeking help because we need help and the company is failing us.
On XX/XX/XXXX, Santander Consumer USA repossessed my vehicle. To my suprise when I called the next day, Santander told me I was XXXX behind on payments. I told them I was unaware of this, but they told me they could not reach out to me as my number was on the DNC list ( a rep placed my number on there mistakenly as the secondary number XXXX was no longer there ). Having said that, I was fine with this amd wanted to work out a payment plan ( I have paid XXXX to the vehicle ; the car was XXXX at retail. Santander has refused to do this. Initially they stated I owed a total of XXXX ; when I spoke to a rep on XX/XX/XXXX, I was told I could pay XXXX to pay the car off. I am not sure why they will not work with me ( they state the loan is charged off, but somehow they still have the loan ) and I am willing to work on the payment. I made a payment of XXXX on the XX/XX/XXXX ( my total amount monthly amount is XXXX paid XXXX less because XXXX had to go to getting TN tags albeit I was going to pay my XXXX that Friday ). I have 8 payments remaining. I have offered auto draft and a host of other options, but they have acted like predators requesting a lump sum. Furthermore, them reducing the amount let 's me know they can. I have also offered to pay more ( XXXX ) for the monthly amount. Can someone please assist as I would like the car back and for it not to go to auction? Also, tis company is still addin late fees and deliquency although the loan is charged off.
On XX/XX/XXXX a request for a mortgage discharge and " Paid in Full Letter '' was made by telephone and by facsimile. We were told that the account had been found and was paid in full in XXXX. Many LENGTHY subsequent phone calls were made and the discharge has not been recorded, nor did we ever receive a Paid in Full Letter. We also sent the request via email as lender requested of us. The emails were never responded to either.
I fell late on some payments with Wells Fargo mortgage back when I got hurt at work. I was told I would be put in a program to make my account current and not show negative on my credit reports
On XX/XX/XXXX ( it may have the the first ), I called Discover to give them a routing number and an account number that a Mr. XXXX XXXX ( I  believe it was an alias ) gave me to give to Discover to pay off {$4.00}, XXXX. I called later in the day to see if the account was indeed paid off. She said it was and gave me the confirmation number : XXXX. I really didn't expect it to be paid because I thought it was a scam. Consequently, I took {$2500.00} from the account and sent it to an address in NY State. I called Discover to find out whether the {$2500.00} was interest free like the {$4400.00}. They said no, it was 27 % interest. Then I found out that I still owed the {$4400.00}. That the account that I gave them was closed. This was two days later. WHY WOULD THEY HAVE TOLD ME IT WAS PAID OFF THE FIRST TIME I CALLED? I knew then it was definitely a scam and I was burned. Can Discover be held responsible for not telling me? They could have told me that they were not paying the account until the funds cleared, which they would not have cleared because the account was closed. I WOULD NEVER HAVE GIVEN A PENNY IF I'D KNOW THAT MY ACCOUNT WAS NOT PAID OFF. I feel that Discover failed me and owes me the {$2500.00}. 

I thought it was a scam to begin with, but when she said my account was paid, I thought, well, I'll be ahead because I'm only using {$2500.00}. WRONG! 

The bank, routing number and account number given to me to give to Discover is : XXXX XXXX XXXX, routing # XXXX ; account # XXXX
I have been awaiting my credit of {$220.00} since XXXX of last year when I was instructed by the XXXX customer service department to return all my unworn items by the day of XXXX XXXX, XXXX. I returned the items well before the due date and before the XXXX, XXXX filed for chapter XXXX bankruptcy and closed its doors to all customers. Since the very beginning of this year, I have been in a constant battle with Comenity Bank, which is the bank affiliated with The XXXX and have never received my credit but was required to pay for my entire XXXX Credit card in full! including the items that I no longer possed and requested to ship back in late XXXX when I realized the clothing did not fit. I am furious with this company and have been told that because they are now opening as the XXXX XXXX, the XXXX XXXX  and any issues or disputes concerning them or my account will not and can not be resolved. I think it is utterly ridiculous for the company to expect anyone to pay for something they do not own especially when I was told repeatedly that I would eventually see the credit on my statement after returning the items. This dispute has been going on nearly a year now, I have placed hundreds of phone calls and sent countless emails without any resolutions.
I never received a bill from the hospital or collection agency. This debt is for a hospital bill for my grandson. He lives with me. His mother has medicaid for his insurance. I brought the child to the hospital for emergency care. Upon checking my credit, I found this unpaid bill. I called the collection agency to give them his medicaid information and dispute the bill. I disputed this bill with XXXX and they have concluded that the bill is mine. Nobody is doing their job. This bill should be paid by medicaid or at least belong to his mother. They have also added his mother 's address to my credit report and I have never lived at this address.
This debt collector called and continues to call my place of employment where i am not allowed to have phone calls. I have told them this and they continue to call multiple times during my work day.
I was given a loan on a bad car in the amount of {$21000.00} on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to find out my remaining balance, a woman on the phone told me {$8000.00}. I subtracted that from the loan amount to find that I already paid {$13000.00}. It was refused as a trade in at XXXX XXXX in XXXX because the car valued at {$1200.00}. I pay biweekly at XXXX XXXX so in a regular month that's about {$400.00}, but there are several months I get paid 3 times so that's about {$600.00}. I never missed or was late with a payment on anything especially this car loan. I paid all repairs out of pocket because I was too scared to go back to them. I found out in XX/XX/XXXX this year that they are being sued for predatory lending. The car valued at less that {$4000.00} when I bought it and they still sold it to me for {$13000.00} at a 19.948 % interest rate and a {$6400.00} finance charge on top of a " down payment '' of {$1700.00}, which I didn't have anyway and they let me pay off the down payment but I still had a trade in at that time which they valued very low. I got some advice from financial advisors and they told me that if I keep the car I'm losing and if I give it back I'm losing too. I can't sell it for anything close to what I owe still, not counting what I already paid. I filed a complaint with the Attorney General because I know she has a law suit against them for predatory lending. I can't afford a {$600.00} payment next month or ever again and the car isn't worth keeping anyway. I do have a child and a job that requires a vehicle. Basically they charged me {$21000.00} for a vehicle that valued less than {$4000.00} and forced a payment schedule of every payday on me. I never had a choice or say in that. I don't want anything. I only want XXXX XXXXr and CNAC to take back the car and call it even and leave my credit alone.
I have tried on multiple occasions to retrieve my Equifax credit report and scores both through the annual free credit report and directly through Equifax. I became aware of errors through XXXX monitoring service and have been trying correct them. 

On more than 7 occasions, I get errors on the Equifax website or I'm told my data input is wrong ( even though I'm 100 % positive it is correct ). On phone calls to Equifax, I've been on hold on 4 occasions for 35 minutes, 92 minutes, 67 minutes and 60 minutes respectively throughout the month of XX/XX/2018 but have not had contact with an agent. On 2 of those occasions, the line went dead after 35 minutes and 67 minutes.

Equifax presented an 'error ' message on the website stating I was required to submit any disputes via U.S. mail and would not allow access to retrieve, view or dispute credit report items. I was instead, offered a paid service if I wanted to view my report.
On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from XXXX XXXX XXXX that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my chexsystems report. This is not my account and I was a minor..