WillisBack/dataset-financial-user-claim huggingface dataset:
I sent the attached information to Equifax, CMRRR via  USPS, as well as faxed 3 times, in support of my 605B block request. Equifax states they received it, but only 1 page and my social security card.

I asked how they could lose my information so many times. They advised that the mailroom scans and then shreds the papers. However, my information is not being delivered to Equifax fraud investigators, no matter how I send it. This is unacceptable. I have been fighting this fraud for over a year. Equifax will not provide an address to send items signature required, so I have no way to ensure my information is received. I have given plenty of chances for Equifax to address this with the methods provided.

I am also unable to submit this information online, as I am blocked from doing so on their website. I am unable to view my credit report even though I pay monthly for it. I am unable to purchase my report. I am unable to use the dispute system. This ca n't be legal.

I am attaching the documents I have been sending directly to this complaint. That way, the CFPB can deliver them. Maybe they wo n't shred my life away this time.
I already have a case # XXXX, in their reply they said the debt had been sold. I have been trying to contact Equable Ascent Financial LLC to see why if the debt was sold is there a court date with Equable Ascent Financial LLC. I can not get ahold of anyone, the phone number I find online has been disconnected. I would like to speak with a representative from Equable.
I took out over {$100000.00} for an XXXX degree. This was foolish. I graduated in XXXX, and found a job at a school making around {$16000.00}. For many years I missed payments. Depending on the credit agency you consult, I 've made between 59-65 % of my payments. I am current with my loans as of today. I am making {$32000.00} a year or {$2000.00} a month, and paying a little over {$1000.00} a month in both private and federal loans. After taxes, I 'm effectively making around {$12000.00} a year. Navient, to whom I pay around {$800.00} a month, will not provide another payment option, and I 'm not sure I would want it if they did. If my payments were much less, they would no longer cover the interest accrued that month. Since I took them out, my loans have grown by {$10000.00}. Furthermore, I have no hope of paying this off in less than XXXX years. 

Frankly, if I were to default and Navient and the federal government garnished my wages for the rest of my life, I 'd still end up paying significantly less per month than I do now, at least under Illinois law. 

I admit I was naive to think taking out such enormous loans for a degree in XXXX was a sound investment. But there were hundreds of trained professionals at XXXX XXXX ( now Navient ) who could have decided these loans were predatory and did nothing. No sane individual would think giving someone over {$100000.00} to study XXXX at an unknown private university would ever return reasonable dividends. But I was the first person in my family to go to college, and believed the hype about college as the XXXX to employment and success, when for me, the reality is I would have been much better off without it, or at least this particular degree.
The debt that rossman and co is reporting to the XXXX major credit bureaus has reached its age of ineligability to be reported to them. The original creditor has since removed it from the reports but rossman and co claims it is eligible because it was just reported to them recently. I explained to the customer service rep that the seven year reporting time could not be extended beyond the seven years from the original default date regardless of when rossman received it information from the original creditor. I told them numerous times over the last few weeks that I wish to file a direct dispute to have the debt report removed and they referred me to their website which does not provide a way to directly dispute anything. I have sent numerous emails but no one will respond from XXXX. Please help!!! XXXX XXXX XXXX -- -original creditor is XXXX. My contact info is : XXXX or XXXXXXXXXXXX
my bank has extended the time frame to pay my mortgage to 5 days ..it used to be 1-2 days.. i asked them to explain. they told me the mortgage bank accepts only checks. in fact they told me this twice which is a lie. a banker from my bank called the mortgage bank and clarified that no changes were made regarding my payment, with me as third party witness.. now my bank says the mortgage company sets the conditions for payments online. this month my 900.00 plus payment was taken out of my account on the XXXX to reach the mortgage bank on the XXXX.. this is a 9 day hold. and yet my other bank payments are only a 2 day hold. there is something going on that seems off. i was told to just have my mortgage company deduct the amount from my account every month. this is not acceptable and they wo n't even admit i have been lied to. i want to know why only this account is affected. what do they gain? an extra few days to float my XXXX $ to their advantage. this seems like a way to scam customers..
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX   et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
This is my 3rd request to have my state tax lien status reflected as " RELEASED ''. I disputed two previous reports hoping that it would display my status ; however, they are only displaying the date of the release but will not update the status as it is currently showing ( -- - ) in the status field.
Credit Bureaus " XXXX '' and " EXPERIAN '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) EXPERIAN ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX datedXX/XX/XXXX c ) Filing Reference Number : XXXX dated XX/XX/XXXX
After reviewing a copy of our credit report my husband and i noticed several items that were incorrect.We sent letters to the credit bureaus in XX/XX/XXXX with a request to review our reports and investigate the items. We have received ZERO response. We did move, but we have a forwarding address through the post office. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.
XXXX did not have authorization to check my credit for a service I had inquired about. In fact, I specifically said to NOT check my credit after which the XXXX representative lied and said they would not check my credit. Later I see that XXXX, in fact, checked my credit and gave me a negative disposition. When I formally complained to Equifax that the credit check by XXXX was unauthorized and should be removed from my record, Equifax investigated and gave me a standard message saying basically that XXXX checked my credit. According to XXXX their calls are recorded so I know that my stating specifically to NOT check my credit is a part of the call. Equifax has a dispute option that says " unauthorized credit check '' but it does nothing if you say a credit check was unauthorized and continues reporting negative information on your file.
Since XX/XX/XXXX, I have been trying to get a correct payment history from XXXX XXXX XXXX XXXX because of double bills with different amounts and extra payments made that don't add up to the amounts owed. When the payment history was received in XX/XX/XXXX, it was wrong. Years of extra payments were not on it. I have tried to get a corrected payment history by emailing the XX/XX/XXXX website and calling to no avail. I was promised a corrected payment history by email in early XXXX because I wasn't sure how much of the partial and full payment I owed. The company lied to CFPB when they said they emailed me a corrected payment history in XXXX after I requested the payment history in XXXX. They did not. I check my email and junkmail every day. I have XXXX XXXX receipts for the payments that were not on the payment history. I need to know how much I owe on the payments so that I can pay the car off. I refuse to pay more than I owe. They have lied to me and CFPB, and they have harassed me and my students by calling me while I XXXX  7 times in 3 days when they were told I could answer calls after XXXX XXXX with an explanation as to why ; I have to keep my phone on for work notifications, which I don't get on time now that I turn the phone off. They have lied to me, stolen from me, and now harassed me. I want to know what the last two payments, if indeed there were even two payments left, are. I want to pay off the car. I need an emailed payment history. I was offered that in XXXX when they said the audit had been done and it never arrived in my email.
Voicemail from ( XXXX ) XXXX " We have an important message from Midwest Recovery Systems. This is a call from a debt collector. Please call XXXX. '' Go to XXXX XXXX >
I have been battling a debt that is being reported on my credit report which I do not owe. I have always had insurance and have provided proof of that to XXXX XXXX XXXX ; as well as XXXX  XXXX XXXX  ; the collection agency who's collecting on behalf of the credit. They have not done anything about it. I have contacted XXXX XXXX XXXX via fax with proof of insurance. I have faxed it on XX/XX/XXXX with proof of delivery. They stated that it takes 21 days to investigate. I have called back on XX/XX/XXXX for a status update, and they claim that they didn't receive anything. 

These companies do not want to take ownership of their negligence to correctly bill my insurance provider ; XXXX ; after I have done everything to show proof of the error. The burden of proof and accuracy of billing is with the medical staff and not me. XXXX XXXX XXXX is equally at fault as they haven't provided any validation of how this debt is my responsibility after I have cooperated with them diligently to provide them with everything they need. 

I spoke with XXXX on multiple occasions and they have confirmed that they were billed for other services on the same date of service ; XX/XX/XXXX, however never received a request for billing for this procedure in which I'm being punished for. 

This item is not my debt to bear and something needs to be done about it. 

I have enclosed a copy of the following : 1. Proof of Insurance during the Date of Incident 2. Letter faxed to XXXX XXXX XXXX 3. Proof of fax delivery
Equifax, should be investagated.  Two y ears ago i had a problem getting my online annual credit report due inaccurate questions that i couldnt answer because i never had mortgage or car loan. Or lived at the addresses Equifax has for me! I had to mail documents as to my identity. Weeks later and after a call i finally got my credit report with inaccurate information on it. I had no problems with the oth er two cr edit reporting agencys and the disputed inaccurate information was taken off my report   XXXX    a andd    XXXX  . I have been fixing my credit over the years And t he Correct  information is  Paramount  when it 's about your credit worthyness. EQUIFAX should be investagated by The Attorney General because there are hundreds probably thousands of complaints online about Equifax of people having the same problems with inaccuracies EQUIFAX Refuses to fix these problems. Credit is important to the lives of all americans AND EQUIFAX IS NOT A REPUTABLE REPORTING AGENCY. AND SHOULD NOT BE USED FOR CREDIT REPORTS. I should be able to view my online credit report online instead of having to mail and send the same documents again because EQUIFAX WAS GIVEN THE RIGHT INFORMATION BUT REFUSES TO USE IT. PLEASE DO SOMETHING ABOUT THEM. THANK YOU
on XX/XX/2016 I reach a settlement with Credence Resource Management LLC . On the same day I sent a certified check for the agreed amount of {$900.00}. On XX/XX/2016 the certified letter containing the check was sign for by their employee. On XX/XX/XXXX, they claimed they employee did not work their and to send and additional {$900.00} dollars. I refused stop payment on check at my bank. Since then I have received numerous phones calls. I feel they should honor their settlement offer.
In late XX/XX/XXXX I called my servicing bank which is Americas servicing and let them know I was having trouble making my payments. At the time we had to sell our business as we were not able to keep up with it. The bank stated that we needed to miss a payment before they would review a loan modification. At that time we missed XXXX payments and they began looking at my scenario. After the 3rd month o f missed payments I felt nervous and asked to bring it current but the bank said I was now 90 days late and they would n't accept a payment and that I was to wait for the loan modification process. I began sending in financial statements repeatedly to prove my income decreased drastically. I hired a company XXXX to help me with the loan modification process, in which I paid roughly {$1000.00} in total for services that did not help at all. On XX/XX/XXXX I received a call stating they would not modify my mortgage. They stated I know must pay {$28000.00} to keep my home and have until XXXX XXXX to pay this amount. I need help with this process as I feel I have been mislead along the way.
I requested a credit investigation on XXXX XXXX. More than 60 days have passed, and I have not received responses yet.
I am in the process of selling my mobile home. When the closing attorney 's office went to the DMV to do a title search they found out that XXXX ( now Ditech ) had a lien on my title. They tried to contact the company but they would not talk to them because it was my property. Mind you, XXXX was my mortgage company when I first purchased the home in XXXX and I re-financed the home about 10 years ago with XXXX and I 'm not understanding why they did not obtain my title at that time but anyway, I contacted the company and they told me that a lien release letter needed to be sent to an email address ( only contact to this department is via email or fax NO # to call ) and they told me to provide as much information as I could because they could not locate an account in their system and it would need to be researched. So, the closing attorney 's office sent in this information and got an email back stating that the release was in process but NO information about where it was going ... It has been 10 days, numerous attempts from me to find out what the lien-release process is and where the information is being sent to, DMV/Attorney 's office/ME NOTHING!!!  This is holding up closing of my house and now the new buyers are having to pay to extend the loan until this problem is solved. Can someone please intercede here and help me resolve this issue??
This account was deleted from.my credit file due to the inability to verify the debt. Equfax has since reinserTed the account as negative.. I believe that this is retaliation for filing previous complaints against them for their credit reporting practices. The account is XXXX and XXXX XXXX
I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report. 
Creditor : XXXX XXXX Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX  XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX  XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I contacted Transword Systems Inc. To set up a payment plan too pay off a {$5100.00} debt for the   XXXX   XXXX   XXXX   XXXX   . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the   XXXX   XXXX   XXXX  . So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated.
Thank you
, I just discovered even after disputing with the credit bureaus, there is still an inquiry from your company being reported improperly. I am not sure of the origin of the inquiry This is why I would like validation of the inquiry to verify their accuracy. I need to examine the statements that show how the inquiry accumulated and the original signed contracts or applications giving the original creditor permission to pull my report. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent inquiry, however ; it is a possibility. I need to look through these documents to determine if the inquiry is the result of unauthorized use.
I have called numerous times, and sent a letter to XXXX XXXX XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XXXX XXXX, 2016 to each institution, I received a response letter from the Office of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past three years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!
I believe navient had wrongfully charged me by putting my loans in forbearance in the past and has now charged me for the intrest and added it to the total of my loan
On XXXX XXXX 2015 I paid a bill of a shortage extra XXXX The mtg bill was XXXX for a long time so I always pay on time always well the next month with out realizing it the mtg bill went up to XXXX but I had paid the same. Well XXXX is what his name I think he said was calling every night screaming at me. I explain that I paid the shortage not understanding it went up XXXX XXXX. Which I did send and not without a late fee and keep in mind there was never no notice of a increase. I feel abused I have always paid on time and I do n't feel I deserved to be treated this way and I want to make a formal complaint.
I received a copy of my XXXX XXXX report because i had updated my name, addresses and phone numbers with all 3 credit bureaus in XX/XX/XXXX. today i looked at my report an there is an unauthorized credit inquiry on my TransUnion Credit report made by XXXX XXXX XXXX XXXX on XX/XX/2017, that i have no ideal what it is and why it is an hard inquiry on my credit report that i do not know what it is, not did i authorize it.
Hesaa is inaccurate reporting my loan as derogatory status that has been consolidated and current for over two years.
Please remove the hard inquiries from My XXXX XXXX and XXXX  record, This someone was made on XX/XX/2018. CHASE CARD. I have never made such a request, so I am asking you to remove it.
A BANK EMPLOYEE PULLED HARD REPORT FOR SOME PERSONAL REASON ONLY WITHOUT PERMISION AND THE BANK IS TRYING TO PROTECT THE EMPLOYEE BY DECLINING AND HAVING REMOVED IN CREDIT REPORT