WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax Credit reporting has made the ONLINE process fo disputing incorrect reporting from our credit reports extremely complicated. I as well as friends and family, some of the same household are getting security questions that are " supposedly '' on our credit reports that are not actually on there. If we select " none of the above '' to the questions, we are being referred to mail in our dispute which takes several weeks or make the consumer less likely to proceed with filing the dispute. 

The problem is that we ARE able to access the same Equifax credit reporting if we use a 3rd party site, even by using XXXX or XXXX who actually displays the CORRECT security questions. We have also verified from the reports that the questions Equifax is asking are not on our Equifax reports. But we are not able to dispute as it has to be done directly thru Equifax. We are not experiencing any problem with disputes from XXXX OR XXXX. We have tried at different times to dispute with Equifax but they continue to display misleading security questions with records that are not even showing on our credit reports. We do understand that some of the questions are " trick '' questions. However, NONE of the 4 questions listed are on our reports, and when we select " None of the above '' it refers us to mail in our dispute. No one has the time to mail in a dispute and wait several weeks for a response on something that is extremely urgent in the first place.
My name is XXXX XXXX and I made a huge mistake by co-signing for my daughter on a car loan with the company Spring leaf financial. They could not approve my daughter at the time because of her credit score so giving the benefit of the doubt and trusting my daughter I went ahead and co-sign for her. She then took the car and did n't starting to make payments and I was been called at work at that time. It end it up that she surrender the car and Springleaf financial auction the car and what ever the price was given was subrtatced from the remaining balance. At this time I was working but as of XXXX XXXX, 2015 I am no longer working and am on a fix income for XXXX. This company has never once tried to help me with this situation and I asked on several occations that they take me off the contract but their excuse was that my daughter credit was not good enough for her to stay on the loan. XXXX of the employer their by the name of XXXX in the XXXX location has been nothing but unprofessional, rude, and disrespectful to me all the time I have tried to call and speak with him. I have to get the district manager XXXX to get involved due to his employee actions and attitude. Now my daughter ever since has been making the payments on this account and has fully been in contact with XXXX even has made payment arrangemenst with him. She could n't keep up with the payment so I was told I could refince the loan but XXXX XXXX will have to be taken off the loan. With that said I went ahead and refinance the loan for her because she asked me to. The payment were lowerd but not by much. Just the other day I receive XXXX letters from Springleaf financial stating that payment has not been done for the account. I called XXXX and once again very unprofessional and rude clearly stated that they were going to reposses my car that is paid off in full because it was being used for collateral. At this time I stated that I was not working not receiving unemployment and was on XXXX. But XXXX did n't care he said I need to pay the account. I then gave him my daughter work number and they payment arrangement to pay the account. I also spoke to the District manager XXXX who respond was that he was n't going to allow for my car to be reposed and that he will get of hold of XXXX. The next day I decided to call XXXX thinking that some resolution can be made but his response was that my daughter called XXXX and stated that we were having family problems. I then responded and said what does that have to due with anything. I need to know how can I go about this situation and not end up in collection. I did explain to him that I was n't working and I was under XXXX. But he did not seem to care and just said you are having family problems. Now come to find out my daughter will not be paying the account and I do n't know how I will get the money to pay for this account due to my fix income. What can I do at this time? I need help? Can you please help me to see how I can I go about this and who to go to for help. I am not working and making those payment will really cause me to have no food or be able to pay my monthly expenses like rent, light, gas, car gas, and food. I need help.
Attached are the images supporting my description of the problem : I received a letter from Diversified Consultants, Inc dated XXXX XXXX XXXX on the XXXX of XXXX XXXX. It said if I did n't contact them within 30 days they " assume the debt was valid ''. 

I called them on XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I refused to give them the phone number I was calling from, my DOB, my SSN, my email, my mailing address or any verifying information other than the account number with their institution. I was told that without additional information they could not help me. 

It is a falsified debt. I refuse to agree to allow them to XXXX from me. This is illegal and against the rights of an ID Theft victim. 

This XXXX XXXX XXXX XXXX' is totally bogus and a scam. Saying I " May '' be eligible for a XXXX} credit card from XXXX XXXX XXXX. " Click here to complete a survey and you may receive ... .. '' These are electronic theft tactics. 

This is the third debt collection agency who has submitted a falsified debt for a " XXXX XXXX XXXX ; however the email from XXXX XXXX XXXX XXXX division, dated XXXX XXXX, the day after I received the email the account was opened, XXXX, which states it is fraudulent if it is NOT sent to an XXXX XXXX XXXX' domain -- - then I do not have an XXXX XXXX XXXX account. They gave explicit instructions and I followed them. I have enclosed the XXXX XXXX XXXX XXXX Department email. Perhaps DCI would be wise to read and follow their instructions for discerning " real '' vs " fake '' XXXX XXXX XXXX accounts in the future before threatening to collect and claim a " debt is valid unless we hear from you in 30 days ''. I hold no malice against XXXX XXXX XXXX. They are a fine XXXX XXXX organisation If I had an XXXX XXXX XXXX XXXX account, the email would NOT have been sent to a XXXX email account. Communication would have been have been sent to an XXXX XXXX XXXX account. That is what I tried to tell DCI when I attempted to make those three XXXX XXXX ) phone calls to save them the embarrassment of being made to look ridiculous and lacking in fiduciary skills. They refused. To fall within their demand of thirty ( 30 ) days, I have no other recourse except to file a complaint as A FALSIFIED DEBT COLLECTION MADE BY A DEBT COLLECTOR against Diversified Consultants , Inc . 

Thank you very much CFPB for providing a vehicle to post and share our experiences so that others can learn and we can learn how to protect ourselves from these greedy people who take advantage of the internet theft and protect ID Theft victims. 

see attached documents.
hello I made my Mortgage payment on XX/XX/2019, and I have been concerned about my payments not posting on my credit report so I called XXXX XXXX concerning that and come to find out the company had switched to Mr. Cooper with no notice I have not received a letter telling us the mortgage had changed and also that they have not received my payment yet I'm very concerned about this matter, Mr Cooper tried to  assure me that I had 60 days but what if the payment never shows or after 60 days then what I made my payment to XXXX XXXX on time and the day before it was due and I need them to rectify this now, FYI the CSR had me to call my credit union to confirm payment and she did confirm with him on the phone that the payment was made on the XXXX and I talk to another rep today and she said the companies just switched on the XXXX
This company is trying to collect {$180.00} from me for a debt they claim I owe. I have written them several letters since  XXXX    XXXX   demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by (  1  ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  ( or ever had )  some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
I was recently contacted by someone claiming to be a debt collector stating I took out a payday loan with a company called QUIK CASH in XXXX 2015. I told them I paid off my loan in XXXX 2015 and do not have a loan with them. They read my information I had on my previous QUIK CASH account and I told them to delete my information. The number is which has contacted me is XXXX, leaving a message stating she is looking for me to serve me a court date about this debt unless I call the company she works for to pay it. I called XXXX ( the number she left ) and that 's how I figured out this is a scam.
I called PNC Bank on XXXX XXXX to delete a check which I had entered online, 3 days before it was due to go out. The PNC rep told me it was deleted and the check was pulled from the pile that was going to be mailed thus there was no need for a stop payment process. 

The next day I saw a stop payment charge of {$33.00} in my account. I used online chat to explain what happened and why I should not be charged the {$33.00}. She could only quote the PNC Bank policy on stop payments. I told her what the PNC rep told me the day before but she did n't seem to understand. 

On XXXX XXXX XXXX XXXX from PNC Executive Client Relations reached out to me by email. I told her that the chat rep had all the information on the matter and I had nothing to add. I have not heard back from PNC and they have not reversed the unneeded charge.
CitiMortgage somehow became the " mortgage '' holder on my VA loan, possibly/probably illegally, because of illegal title transfer activities. They ignored and violated the original Trustee Rights granted with my initial mortgage/purchase with the VA on  XX/XX/XXXX . In late  XXXX , early  XXXX , I had some financial strains and got behind on my VA loan b y 5  payments. In  XXXX   XXXX , I submitted a certified funds payment to CitiMortgage, which was promptly refused and returned to me. Concurrently with the payment, I made numerous attempts to work through their loss mitigation process.  ( See CFPB  XXXX CitiMortgage Consent Order fo r an example of their " practices '' ). I calle d CitiMortgage los s mitigation fo r 30 s traight days in a row, from  XXXX   XXXX  until  XXXX   XXXX ,  XXXX  and submitted hundreds of pages of " requested/required '' documents. The failed attempts to use their " process '', which was very unfair and deceptive, led to them ultimately foreclosing on my VA loan on  X/X/XXXX , which I feel was their plan all along. This action was illegal by its process and I immediately retained a lawyer and sued CitiMortgage. To date, I have spent over {$75000.00} on legal fees. CitiMortgage had no standing and as it turns out, may have acted on their own and without the consent of the VA. The VA actually and currently owns the home, as can be seen on the  XXXX   XXXX  and the transfer of title, where the VA paid {$10.00} in compensation to CitiMortgage for my home ( copies submitted with this complaint ). In an email ( included with this complaint ), a lawyer representing CitiMortgage offered to transfer the title to me for {$180000.00}. When I pointed out in a reply email, that this offer was illegal and violated numerous Tex as Real Estate laws and could be considered extortion, the offer was withdrawn. We still live in the home. CitiMortgage is now trying to evict u s for a 3rd time, again illegally, because of no standing. I am fighting this eviction and the initial foreclosure and the bullying tactics brought against me by CitiMortgage, but I am sure that I am not alone in this fight. Based on their action with me, I can only assume they have and are still, victimizing numerous other Veterans in the state of Texas. I am working with the VA, the actual owner, to stop the eviction and revoke the foreclosure through the  XXXX   County Court s ystem and The Texas Attorney General 's office, complaint #  XXXX ,  XXXX  of  XXXX  current active complaints against CitiMortgage in Texas. The VA has been very helpful since the transgressions by CitiMortgage have been reported to them by me and I do believe the VA was unaware of the tactics and actions that CitiMortgage was using against me. The VA does not want to hurt Veterans.
I am in the process of purchasing a home and came across a debt ( Portfolio recovery associates ) on my Credit report. 
I dont recall opening a credit card with set company. I am not admitting or denying this debt. I was not contacted by XXXX XXXX that my account was being sold to Portfolio recovery associates and not notified by Portfolio recovery that they were handling this account. 
I have contacted Portfolio Recovery and have made numerous attempts to try to resolve this account with Portfolio Recovery. Due to my financial hardship, family members are willing to assist and doing so Portfolio Recovery laughed in my face and mistreated me when I tried to offer an amount that I am being helped with. 
Due to the representative being very rude I requested to speak to a manger and after 5 times a manager by the name of XXXX finally came on the line and whom I might say was extremely rude and continued to laugh in my face, being very unprofessional. 
I requested to speak with with XXXX general manager and he refused to put his manager on the line and asked XXXX several times for the name of his general manager. 
I feel victimized when trying to resolve this account with Portfolio Recovery especially when this account is out of stat. 
This debt has been removed from one of the credit bureaus and I am requesting this item be removed from all credit reports since this account is out of stat. 
I am filling a complaint to have the appropriate actions taken with Portfolio Recovery for the embarrassment, harassment and unprofessional they have shown towards me and settling this account.
In short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.
There are several accounts that are incorrect and not coherent with the other credit bureaus. Some accounts do n't even have my name spelled right and do n't belong to me.There are accounts that are out of date and also closed that should be automatically removed but have n't been. I have tried to submit a dispute but I have n't gotten any feedback. This is hurting my credit score more than the correct debts owed.
I transferred a balance to Chase Slate in the amount of {$1000.00} and chose to enroll in autopay from there website. After receiving confirmation that the auto pay was accepted i then found out that, due to data entry on the credit card company 's, part they did not accept my bank account number. They called me and told me there was a problem with the auto pay and my bank account was not accepted. They then told me to go back online and reconfirm that the data was correct. After i confirmed that my information was correct and paid the minimum amount due, the next month i received a statement telling me that only the minimum amount was due in the amount of {$30.00}. I then, at the same month and time frame received a recorded phone call from the company telling me i am delinquent on my account. When i called to inquire about the situation they told me again that my bank account was not accepted, that i was over the limit and also three months behind on my payments. 

I once again whet online to only confirm once again that my information was correct. I aslo confirmed that they discontinued my card and reported me for late payment to the three major credit report agencies. 

Also, after i paid the late amount and total amount due that was behind, the next day i was informed by the auto phone with the company that i was still late. When i asked and inquired if they reported me for no fault of my own, the response was they were having problems with there computer system. 

I would like to report three accounts of fraud : 1. Sending a false or inaccurate monthly statement that stated only the minimum amount was due when they then informed me that i was three months in the rears. 
2. Reporting me to the credit report agencies for late payment when they admitted they were having problems with there computer system and the error was clearly on their part. 
3. Misuse of personnel information : my bank account number and intentional data entry error and/or gross negligence, in attempt to collect more money by falsifying the amount do with the intention to collect more money from me.
The bank is supposed to offer a {$200.00} bonus for opening an account and receiving 2 direct deposits from an employer of more than {$300.00}. I completed these requirements, and the bank is refusing to honor the promotion. Ive spoken with the bank 4-5 different occasions, each time they come up with a different excuse. They have resorted to making up requirements beyond what is stated in the terms and conditions for the offer ; for example, their latest excuse is that i do not live in a state where they have a branch. It is true that in their offer terms, one requirement is that I must live in a state where they have a branch. However, on the day that i applied, XX/XX/XXXX, this state requirement was NOT listed. it was only listed AFTER i applied. 
To be specific, XX/XX/XXXX account opened XX/XX/XXXX direct deposit from paycheck of {$550.00} XX/XX/XXXX direct deposit from paycheck of {$550.00} " 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. Offer is not available to existing BMO Harris personal checking customers ( including signers on joint accounts ) or those who have closed a BMO Harris personal checking account within the past 12 months. Offer can not be combined with any other offer and is limited to one per account. We reserve the right to amend or cancel any part of this offer. "
I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times.
I have contacted Experian multiple times via phone and online to have an erroneous public record removed from my credit file. I have also disputed this information with XXXX and they have deleted the unverified public record. I have requested multiple times that Experian supply written proof of this so-called debt/public record that they have received when validating and they have not provided the information requested. I sent a letter to the Bankruptcy court showing on my credit report asking how they verified information to the credit bureaus and recieved response back that this is not true, they do not verify with them. On XXXX, 2018 I spoke with a representative at Experian named XXXX who said he was unable to give me any information other than it was verified through the courts. When I asked how and who verified this and told him I have requested proof of this several times and been denied he offered to transfer me to his supervisor. I then spoke with the supervisor XXXX who refused the name of the person who verified this public record and said they contacted the court house or possibly verified it electronically, XXXX. This dispute was obviously not investigated as it is inaccurate and still reporting which is causing my credit profile to report incorrectly and hindering me from obtaining credit. FCRA commands accuracy, multiple federal court cases on hearsay have explained that the person verifying must be able to testify under oath to its accuracy. In order to testify such accuracy the person verifying would need first hand knowledge otherwise this is considered hearsay. It is against my rights to have someone or an electronic device verify a dept against me when they can not and will not supply proof or documentation that this debt is mine.
I HAVE THE FOLLOWING INQUIRES ON MY CREDIT REPORT TRANS UNION REFUSES TO EVEN LOOK AT AND DIRECT ME THE COMPANY. I HAVE SENT LETTERS TO THESE COMPANIES WHO WONT EVEN RESPOND. I CALLED TRANS UNION AND THEY SAY NOTHING THEY CAN DO. I HAVE NO KNOWLEGE OF ALL THESE INQUIRES. I HAVE NOT REQUESTED CREDIT FROM THEM. NOR DO I  HAVE AN OPEN/CLOSED ACCOUNT WITH THEM FOR THE HARD INQUIRY, I HAVE ASKED THEM TO SEND ME PROOF OF THESE INQUIRES FOR MY FILES AND THEY WONT RESPOND TO ME XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
The loan officer maintained control of the wireless mouse and told my husband and I he would walk us through the disclosures but he never passed us the mouse to give us control so that we could read through to click or check off to agree with or read the disclosures. We had every intention of completing the process but what if others do n't. Is this the norm?