WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, my wife and I sent a letter to Equifax requesting them to investigate certain accounts on our credit report. My wife has received her response. However, after 45 days and counting, I still have n't received mine. I am attaching a copy of the letter that we sent to Equifax.
After the XXXX scandal, I went on line on XX/XX/XXXX to freeze my credit report with XXXX, Experian, and XXXX. I was able to successfully freeze my reports for both XXXX and XXXX. However, at the end of the on-line Experian process, the Experian site and only Experian site, displayed a page instructing me to " upload documents ''. They did not specify which documents. Unless I completed this section, I was unable to freeze my credit report with Experian. Today, XX/XX/XXXX, I called their number : XXXX for assistance. The person I reached knew nothing about this " upload documents '' issue. I told her that many other people have reported the same problem. I asked to speak to a supervisor and was told that, to do so, I would have to wait at least fifteen minutes ( probably longer ) to speak with a supervisor. I told her I did not want to have to report this to FTC and wanted to resolve it with a supervisor instead. Again, she said I 'd have to wait on line for 15 minutes.
Since this is not something either of the other 2 credit reporting agencies are requesting, I think FTC should intervene and protect the millions of people who are trying to protect themselves by responsibly taking measures. Thank you.
The bank used their legal firm to file a Sheriff 's Sale Foreclosure against myself wrongfully. Attempted to contact both the bank and their legal representative multiple times to notify that they are picking on the wrong person. In this case I am actually an innocent relative of one of the persons named in this suit. The legal firm, nor the bank have issued a retraction or apology. I was not a resident at the time the defaulted loan was issued.
At the request of a horse owner, I called the  XXXX  out to a barn where I was assisting. I signed a form confirming that services were performed for the owner 's horse. I have never had an account with this provider, but the horse owner did. I have asked numerous times for them to show some proof that I am responsible for this debt, and never get a response. Obviously because I have never signed a contract with them or had an account with them. I want this removed from my credit report as it is not, nor has it ever been my responsibility. I did not own the horse, and was simply doing a favor for the owner. I can not get any response.
Attempted to assume and receive a mortgage modification after my mothers XXXX XXXX/XXXX/XXXX. 

Applied through loan servicer ( Select Portfolio Servicing ) on XXXX/XXXX/XXXX. 

Denial letter received from loan servicer on XXXX/XXXX/XXXX for the following stated reason : Discharged Bankruptcy not Readfirmed Mortgage was already in an active modification and was based on my mother and my income prior to her XXXX XXXX.
SYNCB/ JC Penney account is from XX/XX/2011 payments were made for a while and then account was closed and charged off I contacted the company and it was suppose to be removed disputed on XXXX  a few years ago.
On XXXX XXXX, XXXX, I sent the attached Certified Letter to Equifax. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Equifax is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted.

I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX XXXX is NOT PHYSICAL VERIFIABLE signed contract by me.

These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ).

I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX.
On XX/XX/2016 my UnionBank checking bank account was charged an unauthorized purchase transaction in the amount of {$400.00} by XXXX CA. However, on the same day of XX/XX/2016, 21 minutes before this unauthorized transaction I did shop and their for made a purchase from XXXX in the amount of {$56.00}. I have all of my prescriptions sent to XXXX for which I must pay for in order to pickup. I rarely carry cash on hand so I more likely use my bank debit card. I occasionally login to my UnionBank account as I did on XX/XX/2016 to avoid overdraft fees. Since I had very little transactions the {$400.00} withdrawn amount was very obvious. I then panicked and called UnionBank right away to report the unauthorized transaction. Today, XX/XX/2016 I followed up on status of my reported claim with UnionBank and have been informed that my claim was Denied due to : 1 ) repeated transactions from vendor 2 ) distance of vendor from my physical residence 3 ) the fact that I had my debit card with me at time I made the claim 4 ) Imy PIN code memorized their for no other person could have known of my person PIN code. Their is nothing I could have purchased from XXXX for the amount of {$400.00}. I ask that XXXX please allow me to see their surveillance cameras. UnionBank rep mentioned that whoever made the purchase transaction used my card since it has a chip & could only have been used along with the PIN code. 

And this was my banks response decision in regards to my claim : " For your reference, your debit card is the new chip-enabled type. This debit card type includes new technology that makes it difficult for someone to replicate or steal payment information at the point of sale. You may not be aware that the XXXX involved with this claim accepts chip transactions. Additionally, our Claims Investigations department verified your card was not linked to any known point of compromise. While we have no reason to believe your card was compromised, the transactions on your card do not appear to be suspicious. 
Based on the fact that you acknowledged authorizing a transaction at this same store approximately 21 minutes before the disputed transaction, prior transactional history at the XXXX, and being located in the vicinity of the disputed transaction, our Claims Investigations department declined the claim. After reviewing your claim with management, the Office of the President concerns the original denial decision was appropriate. ''
I was accepted to the XXXX XXXX XXXX XXXX program in 2003. I do not pay my property taxes until I pass away or sell my home as this helps me stay in my home while I'm XXXX. My mortgage company keeps paying my property taxes, then asking for a refund, and reapplying it to my escrow account. While this is happening my mortgage payment changes to {$1000.00} from the correct amount of {$690.00}. I have tried to stop the billing by XXXX XXXX XXXX program and was told that was not possible. I have made at least one call per month and often many more trying to get Ditech to reverse the payment, correct my escrow, and apply my house payments correctly. I have to Fax each item to them or Ditech just says they didn't receive the letters. They have destroyed my credit history. They reported that I was two house payments behind, when I had paid the correct amount on or before the 1st each month. They reversed the credit information, but several accounts had been closed due to the misreporting. XXXX XXXX XXXX XXXX program supervisor said as soon as they receive the request they will have the check back out in 1 week. Ditech Tax Department told me that when they receive the refund they have 60 to 90 days to correct the escrow. They have already taken my XXXX payment {$690.00} and applied it to the XXXX payment {$690.00} to cover the incorrect amount of {$1000.00} that I was billed for XXXX. So now it appears that I haven't paid my XXXX payment at all. I don't know what else I can do. I have to have escrow to cover my FHA insurance. As long as I have an escrow account they will continue to pay my suspended property taxes. I have been trying for 3 years to get this resolved. Please help me.
My personal information was compromised in a hack of Equifax 's data. My information was apparently compromised because of a lack of adequate encryption of Equifax 's data, allowing PII to be stolen and viewed.
These XXXX party debt collectors/interlopers and Altisource are attempting to steal my property even though this " debt '' was lawfully discharged in a Chapter XXXX in XXXX. I listed the debt as unsecured/disputed which was never challenged by these XXXX party debt collectors. The new " bank '' that is now saying that they have standing to do this did not try and lift the stay, nor did they file any kind of proof of claim. 
The bankruptcy was lawfully discharged and listed this new bank as being fully discharged. These interlopers did not prove that they are the holder in due course, nor did they have anything filed such as an assignment in the court records in XXXX XXXX XXXX until XXXX. They filed that assignment within days after I filed a Quiet Title action against them in XXXX XXXX XXXX, these documents ( an assignment and substitution of trustee ) were back dated to XXXX XXXX. 
These XXXX party debt collectors have been harassing me and attempting to seize my property without any proof of having the authority to do so since XXXX. They have attempted to sell my home on XXXX different occasions. They held an unlawful administrative auction on my property on XXXX XXXX XXXX and unlawfully foreclosed. This was done despite the fact that there were XXXX lis pendens filed on the property and there was active litigation with a Petition for Rehear in the Virginia Supreme Court. The " bank '' then e-filed a Trustee Deed stating they " paid '' {$490000.00} but they simply made a book entry and never paid any lawful money. 
I have asked NUMEROUS times for the full account loan data from the original lender in numerous QWR 's and other correspondence, they have refused to provide this information because they do n't have it. I have received numerous threats, the last one was sent as a Notice of Demand For Possession. In this UNSIGNED threat letter, they state they will start eviction proceedings if I do not vacate the property within 10 days. This letter was UNSIGNED and dated the XXXX XXXX XXXX. I have made a formal complaint with the postal service that this is harassment sent through the XXXX. I also plan to make a police report with copies to the XXXX 's office as well. I sent these XXXX party debt collectors an affidavit for them to sign to show they are doing this lawfully - they have not responded. 
Again, I have asked time and time again for account loan data from original lender and the debt collector refused yet they are continuing to threaten to steal my property. They have also enlisted this company Altisource that has been on my property causing further injury to me and my family. Altisource has called me numerous times and has called relatives and discussed with them our private business, these relatives were as far away as Florida. This is harassment and needs to CEASE AND DESIST until these debt collectors/interlopers can prove they have the authority to foreclose on a unsecured/disputed debt that has been lawfully discharged in Chapter XXXX without any proof of claim otherwise filed.
loan # XXXX I refinanced my Mortgage after it was transferred to Freedom Mortgage phone # XXXX, spoke with XXXX ID # XXXX In the process of refinancing both myself and my refinance escrow company spoke with Freedom about a payoff and refund of my tax impound account. 
I was first told that they would send a refund check to me when the mortgage payoff was made to them. 
The payoff was made on XX/XX/18, from XXXX XXXX XXXX, the balance due me from the escrow account was XXXX and instead of sending it to me after it closed they send it to the County of XXXX XXXX XXXX on XX/XX/18 to double pay the taxes I already paid through escrow so that the new loan would fund. 
Upon calling both the County of XXXX XXXX XXXX and Freedom Mortgage I can now not get that refunded to me in any timely manner. It takes a month for the County to refund Freedom Mortgage and up to 30 days for Freedom Mortgage to refund me after they get the money from the County.
This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX  has done nothing. XXXX is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX  that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX has assigned me a point of contact by the name of XXXX XXXX   XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX  replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   XXXX response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.
I 've first contacted Transunion with an issue on credit inquiries not authorized by me and was oriented to contact each company to request them to be deleted directly from them, each company told me they do n't do that even if its not authorized. Called again Transunion and customer service representative told me they do n't erase unauthorized credit inquiries, that I have to request each company a letter requesting for the delete and send each one by  mail to XXXX XXXX XXXXXXXX, XXXX, Pennsylvania XXXX. The representative was more than rude and was not in the position to help me with the issue knowing that is something that affects me.
This complaint is regarding the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX They popped up on my credit reports. Claim I owe money to XXXXXXXX XXXX XXXXXXXX and reported them as my original creditor on my credit reports. I have never heard of this company. I can not XXXX  or find this business anywhere. I asked XXXX to provide proof they exist and they failed to do so. 

They provided an account number with the above XXXXXXXX XXXX   XXXX that is not any account number I have had. They provided an old loan from another company and hand wrote the account number on it. That loan did not match the XXXXXXXX XXXX XXXXXXXX. The date of the last payment date is blank and the Late payment amount is blank. They said they were a debt collector and now they said in my XXXX   complaint they purchased this debt from XXXX XXXX. 

They have robo called me for months, just changing the number slightly and that seems to have stopped with my XXXX  complaint. They threatened to sue me, garnish my wages, show up at my work, contact friends etc. They do not send statements just out false info on credit reports. The only letter they sent was in response to my complaint with them and includes all this inaccurate information. 

I asked them to take this off my credit and they refused to do so unless I pay them money. I said I am not paying money for an account that was not mine. 

I disputed with the credit companies and XXXX XXXX XXXX keep validating the debt as accurate and re-seasons the so called owed debt on my report. They have a principal balance that is not any amount I owe. They do not differentiate principal or possible accrued Interest. They said This debt was for a car and I never had a car loan with anyone but major lenders for my cars. I asked them to provide proof of a car or vin and they have failed to do so. 

They are in multiple lawsuits using the same type of fraudulent collection activity on other people.
On Tuesday I contacted Capital One because I need to reset my pin number because I have a got it they was on able to do so so the agent sent me out a new pin number in the mail and she told me that I can go outside of any bank and do the cash advance so I asked her if I do that when I received a fee for that she said no and I said OK fine well today I notice I received a {$10.00} fee so I contacted Capital One and asked him about it and I asked XXXX wants not twice but three times for them to play for me on hold and to have their car retrieval because the agent told me I was not going to receive that fee every time up contact Capital One Im being told different information and is kind of frustrated as a customer so I think at this point that fee needs to be taken out as my inconvenience
There is a company collecting a debt which is past the statute ( all old debt I ever had was back in 2008 ) and I have requested several times validation and nothing has been received.
I have been making payments on my federal student loans since XXXX XXXX. Navient continues to utilize my payments towards interest more than principal even though every month I make more than the minimum payments. After contacting Navient several times, the only answer I can seem to get out of everyone is that they do not know how much will be applied toward interest or principal until after I make the payment and they can see it under my account history. After telling me to look on my monthly statements how much is actually going to each part of my loan, I then go back to my monthly statements and that information is nowhere to be found. I ask Navient to help me find this information on my statements and all their representative can tell me is that she said it 'may ' be located there but that does n't mean it has to be. I have also asked several times for some type of spreadsheet or printout so that I can see ahead of time exactly how much of my payments are being allocated toward principal v. interest and have repeatedly get told I can make one myself but they do not provide that. 

Most recent call was XXXX.
I noticed a fraudulent account on my Equifax report XXXX of 2016 from a company called, XXXX XXXX XXXX. They were, and still are, reporting that I owe a {$7000.00} debt for an involuntary repossession. I filed a police report and submitted it to XXXX XXXX as well as Equifax asking them to remove this fraudulent item from my credit report or furnish proof that the debt was mine. I 've not received favor responses from either company. In fact I was threatened by an employee from XXXX XXXX. And Equifax continues to tell me that XXXX XXXX has verified the debt is mine but refuses to show me the proof. I am obviously frustrated and dissapointed that both companies are so unwilling to help.
I request a finance quote on the around XX/XX/XXXX, and they gave me one quote on XX/XX/XXXX, that quote as expired, and I needed another one to be send in, and they told me, the system is down and do n't know when it will be up, and running. I told them I needed it by tomorrow, and they keep telling me they do n't know when, the system will be up and running, it can be any time. But if I do n't get it by Friday. It is going to cost me money I do n't have, and a lots of grief, I do n't want.
Nationstar Loan number XXXX. Payment was XXXX per month. 

XXXX 2015 Nationstar billed me XXXX, When I phoned customer service to inquire, the rep said that they had raised the payment. Nationstar never sent any letter of explanation. This is my homestead property and I am an XXXX person.
Wells Fargo Bank has regularly and routinely deducted more than {$8000.00} from XX/XX/2018 honoring unsigned, unauthorized, counterfeit checks sent electronically to be paid to my Aunt 's checking account. My XXXX-year-old Aunt allowed me power of attorney and was recently declared incompetent. After entering her account, I discovered the check fraud, multiple claims were started in late XX/XX/2018, a police report filed, and investigation initiated. Surprisingly, Wells Fargo only returned the last 30 days of fraud that occurred in XX/XX/2018 ( estimated {$2000.00} ) and is attempting to collect the rest from those where they sent the money. A hold was placed on the compromised account permitting her fixed income to continue pooling and a new account established where I could transfer the fixed income to pay caregivers after the hold was temporarily released, then returned in 10 minutes. Some stolen money has been collected but more than {$4000.00} is still uncollected wiping out my Aunt 's account. My Aunt recently died destitute but shockingly, the bank allowed more counterfeit checks to be paid! That money was repaid, never once was I ( or my Aunt ) notified of any suspicious activity. I was IN the bank transferring funds when they allowed the last fraud in that 10 minute window! Another unsigned counterfeit check paid! I am executor for my Aunt and need ALL the money paid out to be returned to pay mounting debt to unpaid faithful caregivers. The bank is unwilling to do this and need your help to force them to pay back what they paid out in a reckless and unauthorized manner. HELP! My Aunt died destitute because of they negligent security.
Someone opened up ac account with XXXX in my name. This was fraud/ID theft. I saw a hard inquire pulled in my name in XX/XX/XXXX. I called XXXX immediately and told them to cancel the account, this was fraud. They replied that they would handle it and I put the issue to bed. In XX/XX/XXXX, XXXX reported to Transunion that I had an account past due of {$2200.00}. I contacted XXXX and Transunion. After many hours and repeating my issue, they took off the derogatory mark of the amount due of {$2200.00}, but the hard inquire is still on my report!
My divorce several years ago left me financially devastated ( custody dispute, illness & more ) and I still am not recovered. I had to sell my house after never missing a payment for years. 

Only I owned the house before, during and after divorce. No one could explain why the credit union called in my mortgage. I sold it after spending lots to upgrade it for sale and have lived in apartments with no hope of buying a home again. I have taught high school history for 25 years in rural NYS. 

I found out via creditkarma that there was a public record of a lien against my house for an unknown judgement against my ex-husband. He had paid it and a year ago I sent proof to the credit companies that it was paid. 

It now shows that it was paid, but I understand that public record on my credit history seriously damages my score. Because my ex-husband never owned the house, I believe this item never should have been on my record. 

I believe this information caused me to lose my house and now ca n't get a credit card, and pay outrageous interest rate for an old car XXXX XXXX XXXX ) and insurance. 

I have other problems with credit cards from that same era for which I am starting to declare chapter XXXX bankruptcy XXXX massive rate hikes and insane fees from XX/XX/XXXX + " sewer service '' notices XXXX. 

Any steps at improving my situation will help tremendously. I have custody of my XXXX year old daughter and deal with health problems ( recently had a XXXX, but have recovered miraculously so can return to work XXXX. 
TRANSUNIONex-husband : XXXX XXXX XXXX Tax Lien XX/XX/XXXX Paid $ XXXXPublic Record DetailsReference Number XXXXDate Filed XXXX XXXX, XXXX XX/XX/XXXXStatus PaidAmount $ XXXXClassification LienType Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX ( XXXX ) XXXXI am : XXXX XXXX XXXX XXXX XXXX XXXX XXXX