WillisBack/dataset-financial-user-claim huggingface dataset:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of these accounts : XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX and XXXX XXXX XXXX/XXXX   XXXX
I have tried to deal with Experian about my XXXX XXXX account for disputing it and asking for verification and requesting documentation in how they " verified '' this alleged debt. I have sent disputes to Experian on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only sent a letter when Experian refused to send documentation following their result from the dispute. I sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I never recieved documentation proving how they ( XXXX XXXX or Experian ) verified this alleged " debt ''. I have got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also keep getting the " closed date '' changed on my XXXX XXXXXXXX account chaged from XX/XX/XXXX to XX/XX/XXXX according to XXXX XXXX and XXXX XXXXXXXX.
I told them that I couldnt possibly finanacially pay the XXXX+ dollars a month Started paying XXXX Dollars a month. Constant harassment of phone calls throughout the day. They took my loan off the website so I couldnt make monthly payments and threatened to default. Man told me about my private income that he has no business knowing about ( my credit card payment for instance ) Has called my co-signer 's JOB multiple times throught the year already. Also the school in which I got this loan for NO LONGER EXISTS
On my Equifax report are unauthorized credit inquiries in which I called the companies who reported them majority of them besides  XXXX  which did remove it said they ca n't not because I do n't have an account with them and that it 's no way for me them to find me. So I called Equifax since they are the ones who told me to call the companies, I told them what the companies stated. Even though I am telling Equifax that I did n't authorize the following Credit Inquires they keep telling me that they are factual even after I placed a fraud alert on my credit. How can you say something is factual when I am the person who credit report they are on and I 'm telling you that they are not I did everything you told me to do the fraud alert contact the companies who made them and still you will not remove them.     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
Upon reviewing my payment history with my mortgage loan ( one of the attached documents ), I noticed several discrepancies that seem out of the ordinary, and that no explanations have been offered by the loan servicing company, Bank of America.

1. Excessive payment of homeowners insurance premiums throughout the life of the loan. ( Ive attached a spreadsheet with the information. ) 2. Adjustments made on XX/XX/2014 ( page 10 on the loan payment history document ). Before the adjustments the principal balance was {$210000.00} and after it was {$220000.00}. Thats a jump of {$12000.00} with no explanation.
My son had services rendered from XXXX XXXX XXXX based in XXXX, AL in XX/XX/XXXX. At the visit I paid a {$20.00} copay, posted on XX/XX/XXXX to my HSA account. I received a bill in XXXX of XXXX for the remainder and paid the bill of {$72.00} on XX/XX/XXXX. 

I received a call from AmSher, a collection agency in XXXX, AL on XX/XX/XXXX, advising, very forcefully, that I owed money and refused to give me details until I provided them with my childs personal information. As a minor, his information should NEVER be given and I asked if I could give mine since I was the responsible party. She advised no and was very rude. I hung up and called back to speak with someone. The next person advised me that XXXX XXXX XXXX has sent the bill to collections on XX/XX/XXXX and I could email her my paid receipt and they would remove it. 

I emailed my receipt on a XX/XX/XXXX and called XXXX XXXX XXXX to ask them to remove from collections. I left a message and no return call. I received a bill from the collection agency, AmSher, on XX/XX/XXXX stating a bill date of XX/XX/XXXX, 3 business days after I had advised and shown proof it was paid. I still can not get a call back from XXXX a XXXX XXXX and have identified 20 or more people this company is sending medical debts to collections for paid bills in my community.
I contacted Capital One to file a dispute on a charge that showed on my account. They asked me to send in all info supporting my claim and get it to them by XXXX XXXX. I received a letter dated XXXX XXXX that my claim was declined. I firmly believe that Capital One never investigated my case as they should have. I sent in all the correspondence showing that I cancelled. I sent them the company cancellation policy. Even after this, the Manager I spoke with was bold enough to ask me for a copy of the cancelation I gave to cancel the service. I sent them the email proof that my registration was not completed which was the first reason why i should not have being charged. Capital One did not fulfill their advertised {$0.00} fraud liability which was my biggest reason for confidently using the card at all times. They were professionally inept
I was sent a bill from a collection agency on behalf of XXXX XXXX. They claim I opened an account on XXXX/XXXX/14 in my name.I did no such thing. I am the owner and landlord of the building and the unit in question was vacant. One tenant had moved out and I was waiting for another to move in. They claim I closed the account on XXXX/XXXX/14 and again I did no such thing. Some time thereafter a bill was issued in my name and eventually sent to a collection agency. If I had done any of the above i would certainly have them mail a statement to my primary address. I paid the bill after the company shut the gas off and I became aware of the problem. I do n't know who or how XXXX XXXX received my name and issued me the bill. It should have been transferred from one tenant to the next or at the least sent to my primary address to make me aware. I have an account at my primary address for over 20 years and have never been late on a payment with them. As it is my building and the unit was vacant I felt compelled to pay the bill so the next tenant could start their gas service. Transunion was notified twice about this and basically did nothing to remedy the situation. Repeated attempts calling XXXX XXXX also got me nowhere as they said it was out of there hands. Hopefully someone on your end can get XXXX XXXX to rectify their mistake and correct this transgression.
There have been several request made for information to be researched and validated with Experian. The problem is the companies that I am listing would not respond directly to my request for validation or any type of information so how is Experian able to validate or verify anything? The below accounts need to be removed ASAP. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bank XXXX
I called TransUnion and XXXX in regards to the XX/XX/XXXX settlement initiated by the Attorney General of New York against the XXXX major CRA 's. It 's my understanding that they have 3 years to implement the changes lined out in the agreement. One item that I read that supposedly took effect in XX/XX/XXXX was to remove paid medical debt that the creditor or collection agency, etc. had reported paid and closes. However, when I called TransUnion and XXXX, they were clueless to this. They said that my paid medical debt ca n't be removed but they could possible file a dispute. I explained that it 's not my responsibility to file a dispute. It 's my understanding that the CRA 's " have '' to remove the paid medical debt from the credit report. I could n't get either company to let me speak to someone " higher up ''. Please advise if I 'm correct on the removal of paid medical debt, and if I am, please help me to get the CRA 's to remove this from my credit report.
MY SSN CARD IS ATTACHED and My there is an inaccurate SSN on my credit report that they fail to remove. My correct SSN is XXXX REMOVE ASAP XXXX SO XXXX Can you take a look at the account responsibility and number and remove this collection immediately. I do not believe it is accurate. 

XXXX XXXX Begin reviewing the account name, account type, and account number. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXX am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please run an investigation on the public record type, docket record and amount owed. Please remove this public record for violating the Fair Credit Reporting Act it does n't seem right. I have included the documentation from the Georgia Department of Revenue showing that this is inaccurately reported. So, I need for you to Delete this account ASAP
In  XX/XX/XXXX I cosigned on a private student loan from  XXXX   XXXX   (  now  XXXX   XXXX  ) through  XXXX   XXXX   (  now  XXXX  ). It came to my attention when I pulled my credit report in  XX/XX/XXXX that 2 additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with   XXXX   's fraud department around  XXXX , and also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  one  of the loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.
I have wells fargo and I have a couple issues, one being is that i use an app called XXXX XXXX. I use it every 2 weeks so it 's nothing new with my bank and the last 2 times I have had to wait for my bank to send them information. I have been using it for months and had no issues until recently. I have contacted XXXX XXXX and they advised it Is on the bank side. I rely on the this app every pay check and having it delayed now is very inconvenient. I also have issues with their nsf fees. I always watch my bank and what is spent and lately what is coming out of my account to what my balance is showing I have left is completely wrong, they started showing a higher balance remaining in the account than what is actually there and they never used to it. They were very accurate and now I get multiple nsf fees every other week and I can not afford it. I am going to close them the next chance I get
I had a wireless device through XXXX. I had an absorbent amount of data charges in the span of three months back in XX/XX/XXXX. The fraud department was called, and the IT department were called to investigate the high data charges in XX/XX/XXXX. I had been a customer since XX/XX/XXXX and had never gone over my data cap. A ticket was opened. A gentleman from the IT department called in XX/XX/XXXX and said that he could see a lot of streaming at odd hours. I told him that I did some streaming but it should not be {$700.00} worth of streaming. 

I immediately disconnected, removed the battery from the wireless device and put it in a drawer. I called again to find out what information the ticket produced. I spoke with an IT manager XXXX XXXX in XX/XX/XXXX. She told me I was still incurring charges. I told her that could not be because I took the device apart. I was prepared to pay what I owed but not if the device was malfunctioning and still continuing to incur charges when it should not. To ensure I would no longer incur more charges I asked XXXX to close my account. She said she would dispute the charges, but could not do it until the billing cycle completed. Both bills were disputed and I have been waiting to hear the results. 

I have called several times during the waiting period in XX/XX/XXXX. I spoke with another woman who told me a Diamond ticket had to be opened. She told me she initiated the Diamond Ticket. 

I received a call that my bill was going into collections. I called Customer Service again in XX/XX/XXXX to let them know I was waiting to hear back on the results of my ticket ( dispute ). The customer support person told me he would notify the collections department to wait until the ticket was resolved. 

I received notification a week ago that my credit report was updated in XX/XX/XXXX. I saw the XXXX bill listed. It should not have been listed because I never received a resolution to the investigation. There should be a credit due back to my account because I know there were issues with the device. 

It would appear that the collections department and the Customer Service Department are not communicating. In fact, the woman I spoke with last week at the Collections Department said she did not see that a Diamond ticket or any ticket had ever been opened. In addition, I asked to speak with a manager and one was not available. They told me I would receive a call in 24-48 hours. That was four days ago. I have not received a return phone call.
*** Ditech presented and charged us for an escrow deficiency that is greater than the actual money they paid out. *** From XXXX XXXX to XXXX XXXX, Ditech paid only {$1400.00} for taxes and insurance. *** Ditech 's XXXX XXXX, XXXX escrow analysis, attached, calculated a deficiency of {$2000.00}. ***Their calculation of the deficiency ( {$2000.00} ) is greater than their payout ( {$1400.00} ) by {$660.00}. *** How can our deficiency be greater than the money they actually paid out? ***Borrower 's XX/XX/XXXX escrow overage and payments covered Ditech 's XX/XX/XXXX disbursements ( all received by payees ). 
*** There is no lapse of insurance. *** There is no delinquency of taxes. ***Attached are borrower 's tax payments, Ditech 's XXXX XXXX and XX/XX/XXXX monthly statements, and XX/XX/XXXX insurance ( Ditech paid XX/XX/XXXX and XX/XX/XXXX ).
I was unaware the is Company was not license in the state of Wisconsin..but the company went ahead and approved me for the loan with and interest rate 780.02 % ... I would like to get out of
I am writing in regards to a {$600.00} check that XXXX cashed from me when I filled out a credit application at the XXXX and a phone call I received from their office on Monday of this week. I changed my mind about trying to get an apartment at the XXXX and wanted to get my check back. The most concise way to let you know what happened is outlined below : XX/XX/2017 Filled out credit application and left {$600.00} check in interest of an apartment. Have not signed a lease agreement XX/XX/XXXX Contacted the leasing manager at XXXX and told him I was n't interested in getting an apartment there after all and that I 'd like my {$600.00} check back. He told me he 'd have to talk to the management company because he did n't know if he could do that. Considering I had n't signed any agreements I did n't see a problem with me getting the money back. 
Week of XX/XX/XXXX I contacted the apartments and your office multiple times during the week of XX/XX/XXXX by phone and email and finally was able to speak to XXXX on XXXX. XXXX said the check would be sent shortly. 
Week of XXXX XXXX XXXX to speak to someone in your office all week with no success. 
XX/XX/2017 My family member spoke to XXXX in your office and followed up with an email restating everything that had been discussed. I also contacted my financial institution to let them know of this situation I was having. 
XX/XX/2017 XXXX replied to the email received and said the check was in the mail today. 
XX/XX/2017 Received and deposited refund check from your company for my {$600.00} due XX/XX/2017 My original check had been cancelled by my bank without my knowledge ( found this out in the call on Monday of this week ) XX/XX/2017 Received threatening and harassing phone call from your company saying I am being sent to Collections because my check was cancelled and I deposited refund check from you. Following is what happened during that call : The employee ( I did not catch her name but I have a phone number XXXX ) raised her voice and would n't let me speak and stated that they were sending me to collections for {$1200.00}. When I asked why collections was going to be contacting me for {$1200.00} she raised her voice and angrily stated that she did not owe me an explanation. When I said I was not trying to be confrontational and I just wanted a reason for this call and the amount you say I owe. The person calling said my original check had been canceled and she would not tell me what the extra {$600.00} was for. This person was very unprofessional and threatening. 

When I pressed further and asked why you would be asking for the money they sent me back she again said she did not owe me an explanation. I told the employee of yours that I would be more than happy to pay you back the {$600.00} ( and have paid that back which is documented in the attachments ) that I did not know had been refunded but I did n't understand the extra {$600.00} she still did not explain to me why they were trying to get the money back that they had sent me. I have proper documentation from the XXXX and XXXX that states that they did owe and paid me the {$600.00} refund.
Letter sent to me pertaining to my DEAD husband 's account. My husband died on XX/XX/XXXX ( almost 25 yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider 25 yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.
I have a Veteran Loan backing with PennyMac Loan Services , LLC. 
PennyMac has in escrow my money to pay my property insurance. 
PennyMac did not pay my property insurance when due. MyProperty insurance had expired & PennyMac will not pay the inpoundmoney for the property insurance.
PayPal closed my account due to me disputing transactions I did not authorize. They even closed my friend account because he was allowing me to use his account. They will not let me re-open it at all or create another account even after I verify my identity and verify I did not authorize those transactions. I have tried reaching out to higher departments but it is all the same no one will help me.
I co signed for my mother so she can get a car with Ford Motor Credit Company, eventually she lost the car because she stop making payments. Ford took the car and sold it but never contact me about the car, I was willing to keep paying the car but Ford never call me or send me a letter notifying me of what was going on with the car.They send me a letter after they sold the car but never before. I'm very upset I called them asking why they never called me to ask me if I was interested in continuing making payments for this car, they told me the car was sold and hang up the phone. This is affecting my credit and I don't think this is fair, you guys never count with me to sold the car even though I had my rights because I was the co signer, that was a violation of the law. I want you guys to remove the loan from my credit report otherwise I will take legal actions against Ford Motor Credit Company.
CBCINNOVIS, XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX have made XXXX hard pulls on my credit in the past 6 months, affecting my credit rating. I have made no applications for credit in this time and have no outstanding or unpaid debts. This is harassment and is unethical.
I received loans in XXXX to help with college. I have complained on the site before and and did not have any luck a few years ago, so I figured I would try again. I took loans out through American Education Services who is also National Collegiate Trust and was written in checks by XXXX. I was interviewed over the phone and sent some forms signed my name and my money came. I took out loans 3 times due to misinformation at the college stating I would n't lose financial aid but I did. Otherwise I would have never taken out loans. I was sent to collections in XX/XX/XXXX and have been there since. I have a great standing with my account there and have been trying to pay my way down. I do n't understand how you can stay in collections for 4 years+ until your loan is paid off. The loan terms state you may be in default after a missed payment, it does n't state how many or number of days, it also does not state that you must remain in default either. I took these loans out 10 years ago because it was the only option I had and I am almost XXXX and they are still ruining my credit. Every month it is stamped as collection whether or not I pay and my credit score has sat at a measly XXXX for the past 4 years because of it. I own up to my mistakes and understand the importance of payments but I do n't feel that I should have to suffer the rest of the {$13000.00} I owe in collections. I will never get approved for a house or car or school again if you continue to drag me down. The loans currently sit with XXXX out of Ohio. Which is also weird. I live in Colorado and the servicer is in Pennsylvania and New York I believe. So where does that put us?
I have tried to gain immediate information from Equifax about the data breach. Their toll free number does not work and when I inserted my name and last 6 of my SS they a message says " you are liked impacted '' by this event! 
Where are the regulators for this, I am at work and ca n't hunt this down. 

Please help the consumer! 

Sincerely, US citizen