WillisBack/dataset-financial-user-claim huggingface dataset:
EQUIFAX ( 1 ) Glad CFPB is here ( 2 ) Problem : Media reports of massive data theft, ~ XX/XX/XXXX of EQUIFAX No notification by company.
As advised in media, went to company website. 

Complaint is EQUIFAX poor, arrogant, confusing response : -needed 6 digits of social -received annoying message ( below ) and still unsure what to do. 
-burden needs to be on EQUIFAX , not me, to fix its problems. 

Previously limited contact with EQUIFAX and others in this industry. ( My credit is good. ) But even on those limited occasions, I found this industry to be arrogant and quite able to find all kinds of excuses to not release 'free credit report ' or 100 % of information or freeze credit or otherwise comply with guidelines. 

URGE : -Breakup of EQUIFAX and others. 
-Regulation ( yes, I think government can be force for good ) of entire industry. Just one example, option for EVERYONE to freeze their credit by default with NO charge, NO delay, nonsense. ( Better : opt out of all information collection period. ) -Criminal prosecution of INDIVIDUALS at EQUIFAX .
Thank you very much. 



=========== " Thank You Your enrollment date for XXXX XXXX is : XX/XX/XXXX Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to XXXX and click the link to continue through the enrollment process. 

For more information visit the FAQ page '' ============
I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit.
Attempted to dispute debt multiple times with credit bureau but stated debt was legit. I have not received a bill for this amount. I have attempted to reach out to the XXXX XXXX XXXX XXXX and they are unable to produce an itemized bill for dates of service. Stating I owe {$970.00} for medical debt, however, I do not. This is NEGATIVELY affecting my credit score and I need for it to be erased. This has been going on for two months. I need action taken immediately.
I am contacting you because I am trying to get the 3 major credit bureaus to report correct information instead of fraudulent information in which they have been doing for the past 9 yrs and it is causing unnecessary stress to my health as I am XXXX and my son as he is XXXX as well. Let me first start by saying XXXX is falsely reporting addresses I never lived at as well as credit inquiries I keep asking them to remove because they are fraudulent and do not belong to me and I keep contacting them and sending documentation but they refuse to correct the problem at this point I am seeking an attorney because this has gone on way to fair. Being a victim of identity theft is a lot to handle on its own. Please make these companies stop false reporting because my credit scores should be well over 700 at all bureaus. My problem with my XXXX report is it shows a XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX which doesn't belong to me and is fraud and I would like it removed as well as a address that is fraudulent of XXXX XXXX XXXX XXXX as I have never lived there and this is fraud and I would like it removed because it doesn't belong to me and is fraudulent. As for XXXX there are two fraudulent credit inquiries that need to be removed because they do not belong to me and are fraudulent and I would like them removed from my report they are XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX and XXXX remove these inquiries at once as they do not belong to me. And as for Experian there's a XXXX XXXX XXXX inquiry and XXXX XXXX inquiries that are fraudulent and need to be removed as they do not belong to me.
After years and years of the paradigm of a monthly transfer of funds from my corporate bank to my personal account with Citibank, to facilitate my ability to pay my personal bills ( Rent, utilities, personal expenses, etc ) and depending on having the funds immediately available to make those payments ; this month ( XX/XX/XXXX ),  without notice or warning, Citibank suddenly put a hold on my funds leaving me in the position of being unable to pay my rent. 

Calls to Citibank resulted in a complete unwillingness to correct this, although they indicated my account had no issues. They indicated they were doing this broadly, as if these criminals XXXX  more people lets them off the hook for their unconscionable actions. 

Im now left unable to physically make a rent payment. 

Citibank is a criminal enterprise. They need to be treated as such by oversight groups within the United States government. In XXXX these predatory monsters attacked me financially through their credit card division causing financial injury. At that time, as is the case here, I did nothing to warrant their actions ( as they repeatedly admitted ) At the time the Consumer Financial Protection Bureau did not exist and the corrupt OCC was zero help. I was left without recourse.
PayPal credit just called my cousin XXXX and disclosed my financial information to him, and they do not have any authority to contact him for any reason.
This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. 
See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. 
XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from Visa Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. 
There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using Visa Checkout on XXXX/XXXX/2016 ) XXXX. PNC Bank Statement-XXXX ( showing amount of {$10.00} ) Sine XXXX I have called PNC bank and Visa checkout several times. After calling PNC
Yes i have a checking s account at regions bank. I am opt into the program that allows the bank to pay your checks if you exceed a few dollars. Regions have been charging me overdraft fees and funds that XXXX for the checks clearing. They are crooks. if Im opt into the program why are they charging XXXX charges of XXXX for each merchant. if I go to my account and look at a XXXX charge it cleared the next two days they rearranged the draft and let other checks clear to make me have to pay more XXXX chrges. example :. wrote a check for XXXX on XXXX/XXXX/2015. several small merchants checks has cleared my account on XXXX, then later, I check my account the date of XXXX/XXXX/2015 has changed to a later date and the XXXX check cleared on XXXX/XXXX/2015 and the several small amounts where considered as overdraft and non-sufficient funds-with a date of XXXX/XXXX/2015.
XXXX is reporting on my XXXX and Experian credit bureuas, and according to the State of California and CFPB, these accounts are no longer my responsibility. I want this account removed from both credit bureaus. 

https : //oag.ca.gov/system/files/attachments/press_releases/nXXXXcomplaint.pdf http :  //www.consumerfinance.gov/newsroom/cfpb-sues-XXXX-for-illegal-online-loan-servicing/
Pinncle, LLC/Resurgent Capital  services only provided temporary relief from my previous CFPB complaint.  Pinncle, LLC/Resurgent Capital  services did not address or provide relief for account number #  XXXX  Reference number #  XXXX . Again I never established a contract with this company. Furthermore you indicated that the debt was made in   XXXX   which means the stature of limitations are in question. A bill is not a contract and a bill does not validate that I do not owe you any money and again my character is being defamed. Again I the the Fair Debt Collection Practices Act is in violation.
I am on Social Security XXXX because of an XXXX and I am supported by the Massachusetts Department of XXXX. ( I can supply more detail about my XXXX as needed ; suffice it to say XXXX. ) My father is helping me with this letter because he is my Representative Payee. This complaint is against the Bank of Santander. On XXXX XXXX, 2016 I deposited a {$2300.00} check made out to me from XXXX ( attached ) in my account at Santander Bank.. During the days that immediately followed I used my debit card from this account and incurred charges of {$2100.00} ( {$1500.00} at XXXX ALONE ) all before the check from XXXX was reported as fictitious on XXXX XXXX. I thought I had money in my account and I thought I had the type of account which could never be overdrawn. On XXXX XXXX, 2016 I went with the financial adviser provided to me through the Massachusetts Department of XXXX XXXX to meet with Bank of Santander officials in XXXX, MA near my house. They referred us to the OVERDRAFT RECOVERY DEPARTMENT where we were told that, regardless of whether the check I deposited was fraudulent, I needed to pay the entire balance of {$1900.00} by the 35th day of the account being in the negative ( We believe that date is XXXX XXXX. ) or they would turn the matter over to XXXX and I would not be able to open any account with any bank in the United States for 5 years! NO GRADUAL REPAYMENT WOULD BE CONSIDERED even though I am an adult who is unemployed and indigent and on XXXX, and my parents are around XXXX years old. On XXXX XXXX, to show good faith, my father deposited {$400.00} in my account at the Bank of Santander. On XXXX XXXX I, again with XXXX XXXX my state-funded financial adviser, returned to the local branch of the Bank of Santander. This time the Personal Banker Representative and the Branch Manager went out of their way to be helpful. Because they were " concerned that my account was compromised '' due to the deposit of the fraudulent check, they closed my account and issued me a new checking and savings account. BUT, incredibly, on XXXX XXXX I got a call to return to the Bank of Santander to get my deposits back as the Bank of Santander reversed itself and now told me they could not open the new accounts as I had one in arrears. I have not been able to sleep since this happened. On XXXX XXXX, my father, acting as my Rep Payee, submitted claim number XXXX to the federal Consumer Financial Protection Bureau but on XXXX XXXX he learned by phone from CFPB staff that the Bank of Santander refused to consider the complaint because I needed to submit the claim myself. So, my father is helping me to submit the claim again ; this time directly from me.
Requested the following accounts to be deleted from my credit report XX/XX/XXXX. I have not received any response. 

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX
Hello I looked up and both credit reports for me and my mother. It no longer show 's up at all Why are you trying to collect a debt that was A discharge and B Was so long so that it doesnt even show up. Are you that greedy that you are trying to ruin my chances at buying a house
I received a notification from the Credit Bureaus that the Company Deville Asset Management has flagged my accounts for collection. I never received any letters with any chance to verify this. I disputed this company earlier this year for failing to provide my signature proving that I owe them anything. They also removed this from my report. I received a notice on XXXX XXXX, 2017 which I will attach. They have violated the FCRA on reinsertion, and have also failed to provide me with any proof that I have business with their company.
Purchased merchandise from XXXX XXXX using Discover Card XX/XX/XXXX. XXXX records indicate delivery on XX/XX/XXXX. Merchandise was NEVER received. 
According to FCBA, I should not be charged for merchandise I did not receive. 
If XXXX did deliver the merchandise, then it must have been stolen, because I NEVER took possession of merchandise.
I have had numerous issues with equifax. They continuiously add a derogatory mark " medical bill, '' that has been taken off at least twice in the past 4 years. This will make the third time. Hopefully, going through you guys can remedy this situation. Im not sure who is to blame, the company that keeps reporting or equifax. I thought this had been solved, has n't been on report for well over a year. Please help me with this.
Several months ago, I disputed the reporting of a old XXXX XXXX XXXX XXXX account to the credit agencies. As of today, this account is still being reported, although it is over ten years old.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Wells Fargo charged me for an appraisal fee of {$410.00} for refinancing my mortgage, We never closed on the loan, I withdrew my application before the appraisal was even scheduled and loan processing was never completed and Wells never refunded me my money back. 
I withdrew my application from Wells Fargo because their rates and closing fees were higher than other banks. 
I emailed the company and their representatives XXXX XXXX numerous times but they have declined to response. 
I cant understand why they would charge a appraisal fee even though no appraisal was done.
The original debt from the   XXXX   XXXX   XXXX   XXXX   was {$5000.00} and I had paid it down to {$4300.00} by  XX/XX/XXXX  it was {$3800.00}. On  XX/XX/XXXX  I was served court papers at   XXXX   XXXX  ., from The Best Service Company. I called them to find out why were they doing this and   XXXX   XXXX   stated that I told him not to call my job any more so he is suing me! I tried to explain that by him yelling at me and threatening me is not allowed. He then stated that if I wanted to stop the court proceedings I would have to pay the clerk of the court fees of {$220.00} the first payment and then the second payment on  XX/XX/XXXX . In  XX/XX/XXXX  I was placed on disability and was not receiving my full pay so I called the companies I owed the situation. I could not contact The Best Service Company because I did not have a phone number nor an address. I received a letter on XX/XX/XXXX  from the Best Service Company stating I have missed three payments of {$120.00} a month and I need to cure this default of {$370.00} in 10 days. I borrowed the money and I have been current. I called   XXXX   XXXX    on XX/XX/XXXX  to ask if I could pay half of my debt which at that time was {$3400.00} with  XXXX  payment.  XXXX  said when you get the money to call him back. On XX/XX/XXXX  I called him back but he did not answer the call. I left a msg that I have borrowed {$1400.00}. I called again the same day and he answered and right away he was rude and would not take the money I offered, but he said I was late with my payment. So I paid {$120.00} and hung up the phone! Yesterday I received an alert from  XXXX  regarding my credit score! I signed on a it was the Best Service Company it had said I was seriously delinquent on XX/XX/XXXX ! I called   XXXX   XXXX   and I was hysterical and crying trying to explain that I have been trying to fix my credit score and you stated I was seriously delinquent. He yelled at me " you do not tell me what I can do and matter you are being rude to me and when you learn how to talk to me you can call me back. So I told hi I am not being rude but how does he think this is fair! He stated that as of right now the amount you owe is {$3800.00} you were late this month with your payment and if you are late again it will go up again! I will never be able to pay this off if he continues to do this, please help me!
On XX/XX/XXXX I made two split payments for car repairs made on my uncles vehicle. The total amount paid was XXXX . This payment was for engine replacement in a XX/XX/XXXX XXXX XXXX. I purchased the engine at XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX. When we arrived to pick up the vehicle that had been in possession of XXXX XXXX for 42 days, the owner had XXXX XXXX Police department there. I realize now why they were there. 
He knew that he had not completed the repairs that he was paid for and in order for us to receive the keys to the vehicle as stated in the police report I have. The officer told us that if we wanted our vehicle we needed to sign the receipt. We asked the mechanic if we could test drive the vehicle to make sure it was operable and ready to drive on the highway. We were denied this request, after two hours of going back and forth with the officers and the mechanic my uncle agreed to sign just so that we could get his car back. We were under extreme duress during these circumstances and were trying to make it to a funeral that morning. 
Two hours later after receiving the vehicle back the transmission started to leak profusely and we had to pull over putting lives in danger including ourselves. We called the mechanic to let him know the problem he came out and checked the issue. He told us that he never touched the transmission and it would be an additional XXXX . We went and got a second opinion and had the repairs done at XXXX XXXX XXXX. The total cost for repairs XXXX to repair transmission and replace the seal that connects the engine to the transmission. 
The mechanic from XXXX XXXX stated via text message that he didn't have to touch the transmission to install the engine which is incorrect. In order to remove the engine the seal on the transmission needs to be removed and replaced to alleviate any leakage that can arise from old seal. Basically the mechanic did unfavorable repairs costing my uncle more money even though he said the repairs were complete. The check engine light is on in the vehicle. The split payments were made as follows XXXX $ in cash and XXXX $ via cash app. The mechanic told us that he would not accept money order or check or even visa debit. 
He stated that he only wanted cash or cash app in order to retrieve the vehicle. This mechanic is untrustworthy and should have his business operating license revoke indefinitely .I 've sent over several supporting documents to Wells Fargo only to be told its not enough. We work very hard for our money and transactions should be able to be disputed with our banks if they are fraudulent. FDIC insured should cover all complaints not just some. I don't want this to happen to anyone else. I've talked to several people who have had similar complaints resolved with their banks but not with Wells Fargo disputing center. 
In closing Id like to say people put their money in banks for security. If I cant find security and comfort in my banking institution I might as well open up a credit union or carry cash or money order at least I know that my money is safe and can be recovered if anything fraudulent happens.
Santander has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Someone stole my information and opened a Credit card in my name and talked to the bank more than a time but they say they sent the Credit card to the address of my house and I did not use this Credit card My name XXXX XXXX XXXX Bank name discover bank Open date XXXX 2017 Amount XXXX
PAID OLD LOANS IN FULL, BUT THEY ARE STILL REPORTING NEGATIVE DESPITE BEING OVER 10+ YEARS OLD. HAVE FILED DISPUTE WITH CREDIT BUREAUS BUT WITH NO SUCCESS.
My line of credit was called before term was up. Payment in full was demanded. I requested options. After 60 days I received a call offering a modification only to find the account was being reported delinquent on my credit. I never received bill or delinquency notification. When I logged into my account online it does not show delinquent either.
I have been disputing Experian over what they have on my report for the last 2 years, they keep stating that my student loan was included in a bankruptcy and I have already sent proof that it was paid in full. They keep stating that the information is not sufficient. I have sent the even a letter from the Dept. of ED stating that it was paid in full and not included in a bankruptcy ( which is not allowed by the way in CA ) and they don't change anything. I believe that they are just rejecting the claim and not investigating anything. they are hurting my credit score because I have to pay higher interest over something is not even accurate. they need to fix the problem or at least update my credit report. Attached is another letter from the Dept. of Ed dated XX/XX/2018, stating that it was paid in full and that they can contact them to the XXXX. XXXX XXXX XXXX XXXX is they wish to confirm the information.
In XX/XX/XXXXI disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record XXXX # XXXX, opened XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record XXXX # XXXX, opened XXXX ).