WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. And they want me to pay them money to freeze my credit -- when they collected this information without my consent and failed to protect it in the first place.
On my XXXX  report there is a collection of {$450.00} by I C System for XXXX. It says it it was opened XX/XX/2017. I just moved to an apartment in XX/XX/2017 and had cable from a cable company. I did try the seven day free trial of XXXX through the internet and it didn't work so I cancelled the same day. There's no way I can owe money on a free trial that was cancelled before the free trial expired. I did a dispute through XXXX XXXX but wasn't able to give much information, mostly just choose from topics. This was put on my credit report without any notice from I C System, which should be illegal. I haven't received anything from them. I hadn't heard of this company before.
The small bank has reported an " overdraft installment loan '' to my credit report late every month since XX/XX/2014. I told CFPB and they said they sent to branch that over sees credit union 's but I never heard back. Additionally I told the big 3 credit bureaus that I never had an overdraft agreement with that bank, or an installment loan. I lived in another state ( Virginia ) and received no communication from XXXX   after we moved and the account was closed. Additionally I called them today, and they said the account was sold to a 3rd party and they had no control over the 3rd party and couldn't even speak to me about the balance or any loan documents. It is a real shame that no one can provide documents or help to fix this error. One last shot trying to contact everyone before attorneys get involved - I'm sure there are many consumer laws being broken. Please someone help.
Following my workers comp XXXX on XX/XX/15 I began receiving an invoice for a XXXX  to XXXX  the XXXX  on my XXXX XXXX. I called XXXX and explained the charges are to be submitted to the Dept Of Labor. The company later sold the invoice to a collection company, XXXX XXXX XXXX XXXX for collection. This company was also notified of the case number for workers comp and they returned the debt to XXXX. The debt was again sold, this time to KLS Financial Svcs, who have harassed me relentlessly for an inflated collection amount that I am not responsible for. 

XXXX XXXX XXXX XXXX has allowed KLS to place a smear on my credit file and has not assisted me in removing this inaccurate information. Following the credit dispute process both XXXX  and XXXX  cleared my file, but XXXX  is expecting me to work it out on my own. 

I have complete documentation of my workers comp case file and request my credit file be cleared of this slanderous accusation about me.
I had a loan with national Collegiate Trust. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because National Collegiate Trust has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.
There are multiple things that are wrong with my credit report and I have tried to fix these error 3 times now and now I have had to hire a firm to dispute this information because it seems Im getting no where with them to get these issues resolved. I have tried multiple times to get this fixed and they wont remove it. My first issue is with the over 40 hard inquires where someone tried to obtain a loan of some kind either online or with a personal loan company but i have over 40 attempts to get a loan that I cant seem to get any help to remove. 2nd thing is XXXX XXXX is reporting that I owe them money for a credit card that was a secured card not a credit card that i initially had to make a deposit of XXXX dollars and that was my credit line. Someone gained access to my card and went to a place that is now out of business and bought one drink at a bar multiple times and tipped the person XXXX and XXXX dollars multiple times. I contacted the company once I realized it and the owner told me what was going on so I reported it to XXXX XXXX and they were going to follow up and I never heard back from either one and since then I contacted the establishment where the card was used and they are now closed. XXXX XXXX and experian have done nothing to help me resolve these issues. 3rdly I  moved out of an apt and apparently the gas was left turned on even after I moved out I was told the tenant never turned the gas over into his name so I was charged for the 3 months that it wasnt switched over I eventually caught wind of it and contacted XXXX XXXX XXXX and they told me I needed to contact the new tenant and how am I supposed to do that from Arizona. This isnt fair the landlord should of made sure the new tenant signed up for XXXX XXXX XXXX rather then let my account be charged. I also had a credit lock on my profile for about a year so I dont know why I have multiple inquiries to obtain multiple car loans and personal loans.
I received a message from my ex sister in law of 20+ years that she was contacted DFC Legal wanting to know information about me and to leave a message for me to call them. The woman told my ex sister in law that I " would be very happy to hear from them. '' My ex sister in law has been divorced from my brother over 20+ years now, she has remarried and has n't gone by our last name for over 15 years. As a matter of fact, she is now a widow and has returned to using her maiden name. She does n't even know how they got her telephone number or put together that we were related at one time. Also, I have no outstanding debts to be collected. All of my debts are current and there is no reason for this company to be contacting me or any one that I know. I have had the same telephone number now for about 14 years and I 'm sure they wanted to contact me ; my information can be found very easily.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I am requesting that the following account be verified or removed immediately. 

UNKNOWN US BKPT CT AR LITTLE R Date Filed XX/XX/2016 Type Bankruptcy chapter XXXX-discharged Reference XXXX Plaintiff
XXXX XXXX, 2017, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.
I received a call on my cell phone from Northstar Location Services out of XXXX, NY. They were attempting to contact my niece who does not live with me and with whom I have not spoken in many months. Within a minute of that call, they called her mother. They also called the landline of her Grandmother and Grandfather and both of their cell phones within minutes of the other calls. My niece did not give out our numbers as contact numbers. The debt collector told me he found our numbers by doing a search. I have never heard of all a person 's family members being called related to an adult 's debt.
ERC has been on all XXXX of my credit reports for an alleged debt they bought from XXXX XXXX in the amount of {$130.00}. This has been listed since XX/XX/XXXX. 

I sent an email to get more information and get this validated by ERC on XX/XX/XXXX. I never got a response. 

I got an alert today that a new collection item was added to my credit report. It is the same debt from ERC in the same amount being reported as new as of XX/XX/XXXX. 

This is a violation of my rights.
Portfolio Recovery began harassing me trying to collect an ERRONEOUS debt. After SEVERAL attempts to have Portfolio Recovery delete a ERRONEOUS debt from my credit files & cease collection efforts, I feel I have no other recourse than to file this complaint with the CFPB. I have filed a complaint with the XXXX   previously and was told collection attempts would cease, but Portfolio Recovery continues to pursue a debt I have no contractual agreement to be responsible for, as it is NOT mines. I have disputed the ownership of this account SEVERAL times certified, notarized, and writing to both the credit bureaus and Portfolio Recovery directly. Unfortunately, Portfolio Recovery refuses to remove this information from my credit files and cease collection efforts. Portfolio Recovery is violating my rights under the Fair Credit Reporting Act & Fair Debt Collection Practices Act by willfully not being in compliance to correct this erroneous information and cease collection efforts. In addition Portfolio Recovery began pursuing collection of this ERRONEOUS debt when they were NOT even legally licenced to collect in my state. Despite action taken by the CFPB, Portfolio Recovery continues to use deceptive tactics to collect this ERRONEOUS debt that is not mines. With a rise in privacy breaches & identity theft I am sure Portfolio Recovery knows the importance of properly and legally collecting on debts. Portfolio Recovery has tarnished my credit standing and DEFAMED my reputation, causing my family financial repercussions. Please DO NOT simply respond by stating I owe " X '' amount of dollars, giving me bogus bills, or simply ignoring my dispute. I KNOW MY RIGHTS and have documented all of my efforts to get this issue resolved. I will continue to document my efforts and pursue ALL legal avenues available to me until this is resolved. The account number reported is XXXX.
EXPERIAN refuses to comply. Credit reporting laws ensure that bureaus report only XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have requested this information twice already? XXXX refuses to send verifiable proof and comply with the laws set forth by the FCRA. This is a deliberate violation of a Federal Law and I want these account removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX Telephone : ( XXXX ) XXXX Date of Birth : XXXX/XXXX/XXXX SS # : XXXX DISPUTE LETTERS SENT XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Credit reporting laws ensure that bureaus report only XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

I ALSO HAVE CERTIFIED RETURNED RECEIPTS VERIFYING THAT EXPERIAN HAS RECEIVED MY REQUEST DATED XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX.
For the last several years my mortgage company has continued to call and harass me about my payments. Here it is in a nutshell, I asked XX/XX/XXXX if i could make my payments at the end of the month since i get paid at the end of the month, the company said yes. Well, when that happened i was charged late fees, i called and asked why would you tell me something like that, they said that when you signed your mortgage it as signed for the beginning of the month. In order for me to do that, as far as making payments toward the end of the month, it will cost XXXX extra a month for each mortgage, I have XXXX mortgages XXXX and XXXX. I ask them to explain and according to wells fargo aka america servicing company that it cost monthly to reprocess your payments, and the XXXX a month addition would be for the life of the loan which is 30 years ( Monthly for 30 years, even though it is not written in their clause ). So at this point, I pay my mortgage on the XXXX of each month, and late fees has piled up but when i look on my credit report it says current, which means that they are trying to take advantage of a high interest rate homeowner, 9. 25 %, and 12.25 % ... ... .since XXXX I have been trying find companies that would refinance me but to no avail every company wanted money upfront even HUD , so Im stuck, and on a XXXX salary no one wants to help a XXXX and his family.. I have them on call blacklist, and they call every day three or four times a day. Can someone in your organization help me????? or do you need money upfront. the only time they dont call is when they get paid, but that only last from the the day it hits their system as a payment until the XXXX of each month, however these last few weeks they have been harassing me daily and it needs to stop. In XX/XX/XXXX, I applied for a loan modification, and they rendered a decision according to them - Our investors ruled that a you dont qualify for a modification- when I called and ask for an explanation, Wells Fargo told me that there was not explanation and that an explanation was not warranted, in other words, the XXXX with giving a reason, just take what the decision that is being dealt to you.. I would love to have an attorney who could help my family, I wish we could have a company that is about the homeowner, and not the mortgage company, A good friend once said, " Good luck with that " So here we are!!!!!!!!!!!!!!!!!!!!!!!! Whats next??????????????? From an underpaid educator, with high end interest, with a crooked mortgage company.
Last XX/XX/XXXX, checking my credit report, I noticed that an account is incorrectly reported with Select porfolio # XXXX balance of {$140.00} open which does not belong to me and / or I have any obligation, as a result of the first investigation submitted to the bureaus of credit the result was satisfactory obtaining an increase in my score of +70 points, extremely satisfied with the results and procedures of FCRA law. It is not when I received a notification on XXXX-2017 that my score fell due to the fact that said account that was removed from my credit report was reported with a new balance amount of {$140000.00}, however I proceed to send a new one. investigation sending to XXXX evidence of the results of the reports and the corrections made but to date they have not corrected this error that makes a future purchase impossible.
XXXX was deleted from my XXXX credit file. The collection account ncb management is the collection company who now owns the collection account for XXXX. If the original account was not valid neither is the collections account. Trying to collect on a non valid account violates my rights as a consumer. Please stop all attempts to collect on a non valid debt. This not only includes phone calls, letters, and emails, but also must be removed from all three credit files, XXXX, XXXX, and XXXX. This non valid debit has caused me to not be considered for jobs, I would like all three credit companies to please send update credit histories to every company that has requested my credit file for consideration of hire in the last 2 years, once these faulty items have been removed from my credit file.
I revived a call from Diversified Adjustemnt services on XX/XX/2017 @ XXXX XXXX MSt, she stated it was an attempt to collect a debt for XXXX for XXXX the debt was n't validated so they where forced to remove from my credit. After I stated that the debt was n't validated, and I would summit a complaint with FTC and CFPB she stated do whatever you what.
i have 2 student loans for my 2 XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. 
In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit
Prime Lending in XXXX Tx uses deceptive lending practices while over promising and never delivering. The company had our loan for almost three months before it became clear they were not capable of closing our loan. Originally Prime Lending was selected because they assured us they could close our loan without selling additional property. The Branch manger kept insisting he could close our loan if we could just hold on a little longer and would stop communicating with us for days on end. When another lender told us they could complete our loan and help us close on our house we requested our file to be withdrawn and transferred. The branch manager of Prime Lending decided to force a denial on our FHA loan before transferring the file even though a withdrawal was requested. The branch manager also called us twice while intoxicated, after hours, asking if we were mad at him and wanted to know why we were n't closing the next day ( despite the fact we had never heard from anyone we could close, which we could n't ). The unprofessional manner of the branch manager and the deceitful bait and switch tactics of Prime Lending ensure that I will never go back to them for another financial product and will make sure anyone I meet knows just how terrible and incompetent their service is.
I have A TD Bank on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and TD Bank to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be inaccurate. 

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I had a individucal, that i gave a check to to build me a brick mailbox. After getting the check he did not show back up. I called him several times, and he would say that he was coming back out but did not show up. After 2 weeks we cancelled the check. 4 days later the individual cashed the check with ACE check cashing company. The company continually calls my wife and wants us to pay for the cancelled check, because the individual wo n't return the money. Im now getting calls from XXXX from someone claming to be XXXX XXXX with XXXX, XXXX, and XXXX. Threaten to sue for a {$170.00} check cashed the individual with ACE Check Cashing in 2012.
Using FHA to purchase a home. Lender erroneously included seller credit as part of down payment, so when it was going to be funded lender called me saying they needed more money. At this point I had wired downpayment they told me to send to title and signed title docs. Lender told me they had made a mistake and apologized, which is fine, I would send more money. Lender assured me that the seller credit would be going towards up front PMI and the additional money would go towards lowering the loan amount. Neither of these happened. When I get the final documents from the title company most of the seller credit is gone, only about XXXX dollars of the approximately XXXX that was included in the title documents I signed. Spoke with lender, they apologize and admit they messed up, but do n't really offer any recourse besides them saying sorry. To me they lied to me, promised me things that did not happen, and out of pure negligence or laziness did not put effort into informing me of what was happening or even letting me know. It is very difficult to get them to call me back or even send documentation.
I FILED A IDENTITY THEFT AFFIDAVIT AND REPORTED THE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS, XXXX, EXPERIAN AND XXXX. 
I MAILED THE AFFIDAVITS ON TWO DIFFERENT OCCASSIONS. I HAVE BEEN WAITING FOR 3 MONTHS. THOSE ACCOUNTS, ADDRESSES AND INQUIRIES ARE STILL ON MY CREDIT REPORT. 
IT DOESN'T TAKE 90 DAYS TO INVESTIGATE IDENTITY THEFT. I FEEL AS THOUGH, MY PAPERWORK HAS BEEN PUSHED ASIDE. 
THIS IS UNFAIR TO ME AS A CONSUMER AND VICTIM. 
I NEED HELP ADDRESSING THIS PROBLEM. 
THE CREDIT BUREAUS ARE NOT TREATING ME FAIRLY.
I 'm not sure where this debt came from. I was an XXXX customer in 2010 I payed all my bills and returned the devices when my account ended. I checked on my credit report and saw that I had a claim from XXXX for {$320.00}. I do n't know where this collection came from.