WillisBack/dataset-financial-user-claim huggingface dataset:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home XXXX COUNTY EMPLOYEE
I recently received a credit report prior to applying for an apartment. 
In the criminal background check area there are XXXX charges that are NOT mine. 
Case Number : XXXX XXXX. 
Case Number : XXXX XXXX XXXX XXXX. 

I would like these XXXX charges taken off of my credit report asap as they are not mine. 
Thank you.
I have been disputing these same 2 accounts for the last year or so with all 3 bureaus. My file had a address i have never resided at, it took them 3 years to finally report my actual address. Even though i told experian to update it. I 'll be turning XXXX soon ..and the XXXX XXXX accounts were opened in XX/XX/XXXX meaning i was under the age of XXXX when they were opened. But experian claims im older than im stating so I 've provided them with my birth certificate several times. I 've uploaded my parents lease and provided proof of my address from XX/XX/XXXX-XX/XX/XXXX which has been the same. So how can i live at 2 address?? I know it is illegal to contain false and inaccurate information on a credit report. I have gotten a attorney involved, i gave XXXX XXXX XXXX permission to access my reports. As far as my attorney is stating, Experian is violating several laws. Therefore i am tired of disputing these frivolous accounts. So after XX/XX/XXXX. I will have my attorney dealing with this matter from there on out. So please show me validity of these accounts..such as contracts and or agreements bearing my signature proving they in fact belong to me.
This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I'm aware of the breach that happened to XXXX  and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
I was a Victim of Non Authorized Inquiries on my credit XXXX   XX/XX/2018XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX   XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XX/XX/2018XXXX XXXX
I pulled my credit report at the beginning of the new year XX/XX/XXXX. I was not aware of this new company, Merchants Credit Guide now collecting on a debt for XXXX XXXX XXXX XXXX. I never received any type of written or telecommunications from the company. I disputed the information shown on my credit report back in XX/XX/XXXX. The company Merchants Credit Guide failed to send any type of verification of the debt. I called the company today, XX/XX/XXXX, to figure out what I could do to get this false information off my credit. The manager, XXXX XXXX, raised his voice saying I needed to find my original contract because there are laws on contracts and then hung up on me. I felt very threatened and disrespected. I have no idea who this company is, but they are aware of my dispute, but they never felt the need to contact me.
My personal information has been compromised by the massive Equifax data breach. Equifax has acted negligently and criminally through the process of discovering the breach, selling some of their own shares before even informing customers of current personal risks. On top of that, they are only offering 1 year of enhanced protection.
on XX/XX/2016, I received a call from a person by the name of Laniece Limpers from the law firm of Cooling and Winters, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents XXXX XXXX XXXX and she was calling to negotiate on their behalf. Based on information provided to me by XXXX XXXX XXXX XXXX month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing XXXX XXXX, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within 24 hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that Coolling and Winters Associate had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.
The credit reporting agency, Equifax, recently allowed my credit report, and personal information to be stolen from them. They were negligent and careless with internal controls.
I opened a Basic nonchecking account at Chase Bank referred to as a Chase Liquid account basically a prepaid visa card with no check writing privileges. When I opened the account they did a full check systems background check and found an account from 2012. The statue of limitations in Ca. is 4 years for collecting a debt so the Banker called to make sure it was cleared. She was very helpful she then called the Chase department that handles this by phone to get the approval to open my prepaid visa account. They sent the approval by computer. She then opened the prepaid visa account. Of course buying a prepaid visa at a grocery store you go through none of this. I put XXXX Dollars into the account and was given a prepaid debit card. A week later I received a letter. Canceling my prepaid debit card and notifying me they will be mailing my money back in 10 days.
My name is XXXX XXXX XXXX XXXX, I had a first mortgage through XXXX at XXXX time that was sold to XXXX XXXX. I paid and was current with XXXX. I had a anytime line with XXXX Mortgage of XXXX through commerce Bank in which I paid down to {$26000.00}. Commerce foreclosed on my second. I had a summons on XXXX/XXXX/2015 which I went appeared to show and let the attorney for Commerce know and see the agreement and the payment that was already accepted. She did not know that my XXXX was with XXXX and that I was current on my XXXX mortgage, neither aware of my agreement to pay back commerce. So she continue the case to XXXX/XXXX/2015 in which I appeared. She told me she had good news and bad news. The good was that commerce was giving me back {$160.00} that I paid on the agreement with XXXX XXXX and the they were going to continue put me out my home and pay off my XXXX. I was devastated and dismayed to hear this. She continued the case until XXXX/XXXX/2015. I went back home to call my XXXX and they told me what they have been telling me for the last 4 months that as long as i was current with my XXXX that they would not allow anyone to purchase my XXXX mortgage. I hung up to access my account with XXXX online to not being able to, so i called XXXX back and while the attendant was helping me she discoverd that my loan was paid off as of XXXX/XXXX/2015. Told me commerce sent payments on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. I immediately contacted the vice president office to say to them what I am writing now. XXXX XXXX told me she would have someone contact me concerning this and that was not how Commerce operates. I get a call from a complaint person who calls me basically to tell me the home has been foreclose and that commerce purchase my XXXX. This process has not been handled correctly and now I am forced to get the media and a attorney involved. I want my home and made every effort in obtaining an agreement with commerce and also keeping my XXXX mortgage in good standing. I am attaching my XXXX mortgage document and agreement I had with XXXX XXXX. I want to resolve this and keep my home
I have an account with XXXX Bank, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.
I had {$97.00} charged on my card from a hotel that I did n't even make reservations for and I called the hotel they told me to leave a voice mail for the maneger and then I got told to call and place a report to the cops and I 'm too scared to do that
I disputed inquiries on my credit report on or about XX/XX/18. I did not authorize the companies to make inquiries on my credit file. 

XXXX removed the inquiries promptly. However, Transunion and XXXX  did not remove the inquiries. I am attaching the letters I sent to all credit bureaus. 

Please remove the inquiries from both my Transunion and XXXX accounts.
As my current Debit card end date is expiring (   XX/XX/XXXX  ) , I have requested for a new card by calling KEY BANK Customer care, called couple of times to check status on that, they have mentioned card is on it way, but i i never received it, after few weeks i got call from KEY BANK on  XXXX   XXXX , stating that there is some high amount of transaction is happening on my card. I have clearly mentioned then, i did n't received any card and i have no information on that and informed them to block it and block all transactions, but i found out that total {$9900.00}, transactions happened on my card on  XXXX   XXXX  and  XXXX   XXXX , with out my knowledge and i have received single call about this. I was very much surprised and filed a case on KEY Bank Fraud department and provided all the required information and filed a police case as well at   XXXX   Police station. i have been trying to reach out to  Fraud  department agent since two weeks, he is not returning my call, to day i was able to hold of him by other agent and he rudely mentioned it as case is denied, so no refund will be made on my account.I have been with KEY bank more than  10  yrs and i am a key privilege account Holder and i have  CD  as well with bank, never ever have this type of reception from any one. He didnt gave me any valid reason for denying the case, police investigation is still in the process and he concluded the case and said it is denied and i do n't need to call him back on this.
Nonstop, repetitive calls everyday about every hour. Calls from mulitple differnt numbers, I have blocked many numbers trying to stop the harassment and they call on a new number. I have told them I will make payments online and they try to force me to give them my information to pay over the phone. Company name is Credence. I have asked them to stop calling me mulitple times a day everyday and the calls continue.
I have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both Experian & XXXX to resolve the matter. They are telling me that the results are verified. However 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. Which the EXPERIAN & XXXX have yet to provide.
My husband got a bill from capital one in his name for a credit card that he did n't have, granted the balance due was XXXX..but our concern was who got a card in his name?? ..He called the fraud dept the next day and was told they were sending out paperwork he would need to fill out.. ( never got that ) ..but 2 weeks later got a balance transfer linked to same account..he called back ( they apologized and said they were sending out the paperwork ) ... never got it! ... today got another balance transfer letter with a DIFFERENT account number from the XXXX XXXX!! .So I called and was put on the phone with a supervisor who cut me off quickly to say she would not speak to me because my name was n't on the account..Well what have you done for the person who did call you XXXX and " These are NOT his accounts either '' ... .So my reply was welp I guess when there is XXXX of dollars spent on these cards..it will be on you..cause I bet you will wan na talk to me then! ... We do have several Capital One Accounts..And will be in the process of switching my credit card company ...
i tried to get a job and they ran a back ground check and it had incorrect information as far as criminal charges.
On XX/XX/XXXX, I experienced what I describe as an attempt to intercept and deny my access to a valid credit opportunity. As well as an unfair and deceptive act against me in a financial transaction.

On that day, XX/XX/XXXX, I went to the " XXXX XXXX '' ( XXXX XXXX XXXX XXXX, according to my credit report ) car dealership in XXXX California and completed a credit application with a salesperson. I was told almost immediately that they would get me financing and to just be patient, which I did and is understandable. Once my sensitive personal information was given all communication was via text message. 

After well over a week of waiting, and near a dozen inquiries on my credit, I was told that they were unable to get me any kind of financing. I told them I was willing to accept a counteroffer or sub-par loan due to my circumstance and I was reassured that there was absolutely no offers given to me by any company at all. 

I have now, almost 2 months later, received a letter from Capital One Auto Finance stating that they extended me an offer of credit on XX/XX/XXXX ; and that this offer is no longer valid. My credit score was lowered due to the inquiry by Capital One Auto Finance, while the offer was never actually presented to me in any form. 

I was unable to get to my job and missed two 8 hour work days after XX/XX/XXXX. This would not have happened had I been extended the offer made by Capital One Auto Finance on XX/XX/XXXX. 

This does not seem like an act of fair credit reporting nor a legitimate use of pulling my credit score. I have an equal right to credit, but I can not access this credit when my sensitive personal information is being abused and mishandled.
TransUnion reported to my bank, XXXX, an inaccurate credit score. The reporting was unfair causing denial of credit.
I became a member of Equifax 3-in-1 Monitoring with 4 FICO Scores in XXXX XXXX. I paid {$12.00} per month for two months already There is only one score provided, and for the 4 Fico Scores. 
Today, XXXX XXXX, XXXX, I opened my Dashboard at Equifax 3-in-1 Monitoring with 4 FICO Scores,  and Equifax is providing me with an outdated FICO score from XXXX XXXX. 
All records of my revolving accounts are incorrect, there is NO ACTUAL PAYMENT AMONTH FOR EACH OF MY CREDIT CARDS, CAR LOAN AND MORTGAGE. The Equifax incorrectly register only the minimum amount and/or the balance. Still, balances on credit cards are outdated and incorrect. 
When I disputed, Equifax just confirmed if the information was existent without looking into more specific information. My credit report has several, the same, repeated accounts/same accounts with the same account numbers which appear more than once on my credit report ( U.S. Dept. of Edu.  Student Loans which were transferred to XXXX ), and Equifax just agreed to verified that they were ever existing. Equifax is keeping repeating accounts on my credit report. Equifax is hurting greatly my credit worthness. Should Equifax include all ACTUAL PAYMENTS I MAKE CORRECTLY FOR EACH OF MY CREDIT CARD/INSTALLMENT LOANS, my score must go up every month. Thus, since I filed disputes last week, MY EQUIFAX CREDIT SCORE WENT DOWN WITH 59 POINTS according to XXXX XXXX. Should Equifax consider my ACTUAL PAYMENTS, WHICH ARE MORE THAN 70 % HIGHER THAN THAN THE MINIMUM REQUIRED AMONTS FOR EACH OF MY CREDIT SCORE, THERE SHOULD NOT BE A DOWNFALL IN MY Equifax or XXXX CREDIT SCORE, BUT MY CREDIT SCORE MUST GO UP ABOVE 720!!! 

I ALLEGE THAT EQUIFAX and or XXXX IS INVOLVED IN DEFLAMATORY suppress OF CREDIT SCORES OF CUSTOMERS LIKE MYSELF, AND HAS NO INTEREST OF FIXING AND RASING THEIR CREDIT SCORES. EQUIFAX and XXXX are HURTING ME negatively and FINANCIALLY SINCE NO CREDIT COMPANY WOULD GRANT ME CREDIT DUE TO THE PURPROUS defamation OF EQUIFAX and XXXX.
I have a XXXX dollars due feed on my credit report. The report states that it comes from XXXX. XXXX advices that it is not theirs. I need to claimed XXXX XXXX And find out if it is theirs.
In XX/XX/XXXX I noted a collection on my account from the collection agency of ARC, For almost 700 $ original debt was from utility XXXX XXXX XXXX XXXX XXXX. I immediately contacted the collection agency, and requested details of the debt. I found that my information had been used to obtain services in a state I was n't even living in during a portion of service. From XX/XX/XXXX to appx XX/XX/XXXX someone was without my permission using my name through XXXX XXXX XXXX. When I contacted ARC they informed to get a police report, type a letter for  why I was disputing and send it in. After I had sent them the information it took several months but inXX/XX/XXXX the account was closed, and removed from credit. Then just over one month later the collection is back on my report, I never received any notice of this what so ever. How can something that was closed and proven to be identify theft by the collection agency be reopened again by the same agency. What are my rights?
XXXX XXXX is in a financial hardship On XX/XX/2016 he sent in a loan modification package. 
Since then Ditech has held his file hostage and has refused to provide an update on the file despite the bankruptcy authorization on file. XXXX XXXX filed bk pro per and represents himself. There is no attorney assisting him. 
Please see attached phone records that show 48 hours of hold time. 
DITECH employees transfer the phone calls to the " bk '' department and the calls are placed on a perpetual hold. Not one employee has answered the phone. The call is then dropped each time after 3-4 hours of hold time. These calls were all placed at different hours of the day. At this point there is no excuse for the negligence. 
It is very obvious that DITECH is discriminating against XXXX XXXX based on his race, ethnicity, language, national origin. 
There is no excuse for the lack of assistance. 
Supervisors have been requested on numerous occasion and the lack of training is extremely obvious and appalling. 
The following employees have provided horrendous attitude and need further training. The lack of skill is very apparent. 
XXXX XXXX XXXX XXXX x XXXX promised she was going to get someone on the line and she intentionally terminated the call and failed to make a call back to address the issue and the dropped call. 
XXXX, XXXX, XXXX, XXXX, XXXX were also all employees who discriminated against XXXX XXXX and transferred him to the que where the calls are placed on a perpetual hold when. XXXX XXXX will be filing a litigation complaint in district court in regards to the negligence and discrimination from ditech. Furthermore, He wants an update on his file from the XXXX.
Ditech set me up on a bi weekly payment plan to help me pay off my loan sooner. I have now found out that they were not applying the first half of my payment until the second half arrived. Thus they were sitting on my payment while my loan was accruing interest. I was lied to about the benifits of the loan an ripped off by this company. Even on my statements it shows amount paid as half but they informed me that is what I paid not what was applied to the loan. This is embezement and I want my money that I am owed. Thanks for your timely response,  XXXX
On XXXX/XXXX/15 I paid my Macy 's credit card in person - some cash plus a check for {$1000.00}. In the past they 've always handed back my endorsed check, because it is processed as an electronic payment. This time the clerk kept the check - and a few days later, when my debit card was denied for insufficient funds, I found out that my checking account had been charged twice, once electronically and once as a check. But only {$1000.00} had been posted to my Macy 's account. After several phone calls and faxes, Macy 's " resolved '' this by treating it as a refund of an excess payment - in other words, they put the {$1000.00} back into my checking account but charged it to my Macy 's card!!! More faxes and phone calls ... .. More runarounds. Except for a letter on XX/XX/XXXX that was posted on-line ( never mailed to me! ) telling me my dispute was being looked into, I have NEVER HEARD FROM MACY 'S. Not when I had first put in the dispute and did n't give them all the info they needed - nope, they just quietly closed the dispute without bothering to tell me - just ignored me. Not when I had been promised calls back by a supervisor - no call back. When I call Macy 's one can not speak to anyone who has my correspondence in front of them - only the " back office '' has the actual correspondence, and the people on the phone only have the ( half-baked ) notes from the back office, so there 's no way to " confront my accuser '' or at least force them to explain what it is they do n't understand. Sometimes I could n't tell if the person I was speaking to was stupid, or just assumed I was stupid ( sure, I stupidly, mistakenly thought my {$1000.00} was missing ) - or maybe that I was making the whole story up. Oh, and to top things off, the website has a feature allowing you to send a message - but the feature is broken - you ca n't send a message!! Even alphanumeric characters give back an error message about " special characters '' that are n't allowed!!
Charles Schwab refuses to process my bank account opening request. I do believe I am being discriminated due to my national origin and I would like this issue properly addressed.
XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Experian is reporting this inaccurate information.
i disputed, via certified mail, inaccurate information XXXX XXXX XXXX was reporting to the credit bureaus, as per the FCRA. I also called XXXX XXXX XXXX twice about this concern. The account is showing as Charged off/in collection when this is in fact not the correct information. My dispute came back as verified which is a blatant lie and against my rights under the FCRA. I am requesting that this account be removed from my credit report due to the companies failure to correct inaccuracies correctly as per the FCRA.
Certified Letter sent to collection XX/XX/2018 to ask for verification.. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to agency on XX/XX/2018. Company is still not providing me with a signed copy of the contract with XXXX XXXX debt. equi verification that is in compliance with the fair credit reporting act and must be deleted from my credit file Still no resolution and it is XX/XX/2018.