WillisBack/dataset-financial-user-claim huggingface dataset:
I receive daily calls at my employer from  Atlantic Credit , a company for which I have never done business with. I find this repetitive attempt to collect a debt, that I do not believe I owe  Atlantic Credit , harassment and I feel my employment is in jeopardy as a direct result of these repetitive phone calls.
This complaint is in addition to previous complaint # XXXX, Summary : Equifax wants copies of my Social Security Card and Drivers License or they will not release my credit report. 
Today I received an email noting that " Equifax has completed your dispute ''. I never opened a dispute with Equifax, it was opened with the Consumer Financial Protection Bureau. I tried to log in to Equifax with the confirmation number provided to review the " resolution '' and the site will not give me access because it can not confirm my identify, which is the exact issue I noted in my CFPB claim. I used my legal name and then tried my old ( no longer legal ) name. I was taken to a page that tried to verify my information, but it was all incorrect. I noted this on the online for and I was denied access. So Equifax has my incorrect name and additional information that I can not verify is incorrect.
XXXX XXXX XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.
On XX/XX/2018, I was approved for a loan for XXXX for annual percentage rate of 29.91 %, Finance charge of XXXX, amount financed XXXX, total payments XXXX, number of payments 59, and a monthly payment of XXXX.All payments are due on the XXXX of every month.All payments are automatically deducted from my checking account every month.This XXXX   loan is owned by XXXX XXXX but serviced by XXXX.Every month my payment is due on the XXXX, XXXX always takes the payment out two days later which screws up my account because I have other bills due and causes fees from my bank for insufficient funds.Just recently I was charged XXXX because the ach bounced.I feel im being taken advantage and beginng to feel this loan is a scam
This afternoon XXXX XXXX 2016 I called Experian after learning from credit monitoring that my credit score had changed. My XXXX score is very low. The credit monitoring service found several inaccuracies such as my XXXX XXXX auto loan was not reporting and has several dispute codes. I called Experian and spoke with XXXX XXXX and she advised me of the dispute codes that will cause " THE CREDIT SCORE TO NOT FACTOR IN WHEN A DISPUTE IS ACTIVE OR CODED AS CONSUMER DISAGREES ''. I said to her, I did not initiate those disputes and did not recall ever asking XXXX XXXX to dispute them. I asked her to remove them. She told me she could not do so, and said that I would need to speak with XXXX XXXX. She transferred me to his voice mail and got disconnected. I called Experian again and spoke with another individual and asked me for my report number. Rudely, he said he could not transfer me over to special services unless he received my report number. He then transferred the call to special services ( XXXX XXXX ) and the call got disconnected again. Afterward, I called XXXX XXXX senior council at Experian to advise him of the disconnected phone calls. 
The CFPB and its agents must realize that Experian special services is not providing adequate assistance when addressing credit inaccuracies when I find them, instead they make other mistakes causing fluctuations in my credit score and XXXX scores. I believe this is illegal and perhaps as a business practice should be investigated by the CFPB. It is unlawful to compile and disseminate information to manipulate credit scores. There is also reason to believe that Experian does this to many other credit reports and consumers as a practice of lowering credit scores.
On XXXX/XXXX/2016 i found identity theft on my credit report and began the process of contacting the account holders to resolve the issue. 

XXXX was contacted on XXXX/XXXX/2016 and they do not have a fraud department that anyone can talk with, i was speaking with customer service rep named XXXX and he submitted the fraud claim against the account, XXXX fraud department was suppose to contact me in 3 to 7 buisness day, i was never contacted. 

On XXXX/XXXX/2016 I was contacted by XXXX XXXX Office manager for maury cobb 's law office. I explained to him the issue and faxed him a copy of the police report. i was once again never contacted by t-mobile or maury cobb. 

On XXXX/XXXX/2016 i found that XXXX was still on my credit record and contacted them again and they said that the account was determined to be a legitimate account and was turned over to collections. They give me the collect agency, they said they did not have the account it had be turned over to there Lawyer. ( XXXX XXXX ). Contacted XXXX XXXX and the XXXX person would not give me their name. Called collection agency back and they give me a number to XXXX XXXX, spoke with XXXX XXXX and he understood my problem on the XXXX call and said he had to talk with his office manger and would be calling me back by XXXX i never received a call back by XXXX called so i call them back. XXXX XXXX was very rude and unhelpful at this point and said i need to contact XXXX again and they would be sending me a fraud form in the mail. Contacted XXXX again and they have not been contacted by XXXX XXXX or his law office. 

Called XXXX back the night of XXXX/XXXX/2016 and spoke with XXXX ( employee ID XXXX ). He once again told me that XXXX does not have a fraud department that i could speak with and resubmitted the fraud paper work it would take 3 to 7 days for someone to contact me. 

On XXXX/XXXX/2016 called XXXX back and the fraud department determined the account to be a relationship fraud and need the police report faxed to them. I explained to XXXX ( employee ID # XXXX ) that this could not be a relationship fraud because the account was opened by an unknown person in texas and i live in alabama with no connections to texas. 

XXXX/XXXX/2016 - Faxed a copy of the police report to XXXX and called to check to ensure they received the report. The customer service rep did not see that the fraud department had receviced the fax and would make a note on the account. He did not give me his employee ID #. 

Information from XXXX Fraud account number - XXXX customer service number - XXXX Collection agency information Amsher - XXXX XXXX XXXX information XXXX XXXX - XXXX I have attached a copy of the police report as well as fax transmission report to both XXXX and XXXX XXXX.
Chase has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
I use Care Credit for medical needs, when using there automated system for an increase it did not mention a HARD credit inquiry to my credit report. If I had known that I would not have asked for a credit line increase. I contacted Care Credit who works with XXXX and they will not remove the Hard inquiry from my credit report after speaking to them numerous times. There automated credit line increase should have stated there would be a hard inquiry but did not. I had been a member of them for several yeas. I know when you first sign up there in an inquiry but not when you are asking for an increase which is normally based on how you pay and they are required to notify you of a hard credit inquiry which they did not.
I received a letter from HSBC indicating that a recent review was conducted of my online savings accounts and that due to this review HSBC was closing my accounts. In the letter it states I can access my online account to transfer money using a wire transfer. I tried to access my online account through multiple avenues ( smartphone, PC ) but could not access my account due to a " technical error ''. I then call HSBC customer service where they could not give me any information about why they were closing my account or any of my regular account information. The HSBC customer service rep told me that once I got the letter she could not give me any information about the account.
I submitted a dispute about 3 names that I never used. Experian deleted two of them but left one of them in tact on my credit report. Probably so some illegal immigrant can use a copy of my credit report that is up to a year old and a fake id and social security card from XXXX XXXX. in the City of XXXX XXXX to secure credit on a secondary market.

I had to contact the Consumer Financial Protection Bureau to get Experian to delete the first two names and also consolidate several different formatting of the same address into one address.

I had previously noticed that one of my employers was listed twice and upon looking closer, I noticed it is a fraudulent misspelling. My employer is based out of XXXX, WY and I noticed a similar name had been registered in Texas which I was disputing with Federal Regulators since I am an XXXX  of that company.

Experian also has 3 phone numbers which do not belong to me on my credit report which it did not remove.

In addition to the fraudulent " aliases '' and the fraudulent name of my employer and the 3 phone numbers which do not belong to me, Experian refuses to remove old addresses. Some of them are my old addresses and it is my understanding credit reporting companies have to honor deletion of old addresses as long as you have had the same address for at least 2 years. They are refusing to do this.

The most frustrating part is that one of the addresses which I never lived at was provided by XXXX. I had a XXXX  account from XX/XX/XXXX to XX/XX/XXXX and closed it in XX/XX/XXXXbecause it never showed up on my credit report and it was marketed as a way for me to build credit. It was always paid in full.

XXXX  first reported to Experian in XX/XX/XXXX. 5 years after the account was closed and apparently with a wrong address.
On XX/XX/XXXX XXXX night at XXXX and XXXX I went to the XXXX on XXXX to use the Mac machine I went to withdrawal XXXX from my account the Mac machine got to when it started counting the money but the door of the Mac machine never opens up it started acting like it was counting the money again and again the door never opens up instead a receipt comes out stating incomplete transaction. I went to the other machine and this time a receipt comes out stating to contact my financial institutions so I called them to let them know that the Mac machine took my money and that the door of the machine never open they stated that or their end that it showed that the Mac machine gave me my money and that they could n't credit my money back and that I had to send them the receipts. So I sent them my receipts and drivers license and they stated that I had to fill out a dispute form. I filled that out and contact them to see if they received it they stated that they had then they proceeded to tell me that they was n't going to contact XXXX that 's where the Mac machine comes from until XX/XX/XXXX then after contacting them then they were n't going to contact me until XX/XX/XXXX. But instead they contact me XX/XX/XXXX @ XXXX stating that they was n't going to credit my money back into my account and that if I wanted a copy of the form that they sent to XXXX bank that I could n't get it until 5 business days.
This issue involves a company called www.billmelater.com I was alerted last year that someone had taken out a line of credit in my name with billmelater in 2012 and had run up a bill of about {$400.00}. I was told to fax a FTC Affidavit to XXXX and I did that and I was given the name of a XXXX XXXX at XXXX XXXX to call but I have never been able to get her on the phone. I would like this issue resolved.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXX XXXX/XXXX/XXXXTo : Consumer Financial Protection BureauRE : Capital One Bank, USA Credit Card # XXXXI am member since XX/XX/XXXX and I keep my account good standing all the times.XXXX/XXXX/XXXX I requested credit line. My credit line request has been denied due to XXXX payment retuned credit card account. 
( Letter attached ) I will explain what happened payment has been returned. I have a Capital one Bank Checking accountA/C # XXXX I made a deposed {$570.00} on XXXX/XXXX/XXXX.Same day I process payment {$28.00} mycredit card account. Due to bank error before process the deposit, my credit card payment go thoughchecking account. That 's the reason my payment has been returned. 
XX/XX/XXXX to up-to-date this is the only XXXX payment has been returned. paid that amount following day using same my Capital one checking account. 
So I am so disappointed what they made the decision regarding my credit card Limit increase request. 
I Finally I spoken with card center named called XXXX on XXXX/XXXX/XXXX, she asked me to provide bank letters .I explain same bank and try to investigation my issue. But she dint help me. And she treated me so very badly. I feel like I have been discriminates against my race, national origin and gender. 
Finally I asked to transfer Card center supervisor and he also not provide and positive feedback. 
I need a fair resolution this issue as soon as possibleThanksXXXX XXXX
XXXX states I opened an account for a landline in my home but we already had a landline. I asked them to send me papers showing where I had requested this line and they never did, they said someone from my house requested the line. I asked them to remove the incorrect information from my credit report, now they have sold the account to Debt Recovery Solutions. Acct # XXXX. {$98.00} This information is affecting my security clearance with my job and I need proof that I requested this line be installed or I need them to remove it from my credit report.
This account was opened by deception, upon attempts to payoff and close the company proceeded to violate the The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of 1999. It is a United States federal law that requires financial institutions to explain how they share and protect their customers ' private information.
The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged off the account. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor is a violation of my protected rights under the SCRA.
Trying to refinance our home through American Financial Network INC, XXXX # XXXX. We were told we qualified for a VA Loan, my husband is retired. We were told we had to have an VA Appraisal, which we did for {$400.00}. Then we were told that we could not get a VA Loan and that we had to get a conventional appraisal, which we did for {$600.00}. We were told that we would get that money back once we refinanced. Then we were told that we did n't qualify for a conventional loan and they could n't help us. I asked for my appraisals which took me two weeks to get and now I found out that no other bank will take the appraisals, so we are out {$1000.00} for appraisals. I want American Financial Network INC, to pay me back my {$1000.00} because they should have NEVER asked us to get appraisals until they were certain we had qualified. Please help me get back my {$1000.00}. My account/file number with American Financial Network, INC is XXXX, Loan Number : XXXX
Nordstroms is illegally reporting my account as over 180 days late on an account that was never late. I filled a chapter XXXX bankruptcy and Nordstroms closed my account and would not take anymore payments from me. I called them and they told me they legally could not take a payment from me after filling bankruptcy. My account was never late before the filling and should not be reported as late now. I 've attempted twice to contest this and they fail to act. Nordstroms also reports XXXX different statuses on the XXXX credit reporting agencies. XXXX shows ; open, 180 late, reporting monthly. XXXX shows ; closed, late, not reporting anymore. XXXX is showing ; closed, 180 days late and reporting monthly.
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Delay of an average of 3 days between receipt and processing of my loan payment while allowing interest to continue accrue for that period. This extends the payoff of the principle on the loan by increasing monthly accrual of interest applied to the monthly payment. 
Have sent periodic payment via Certified Mail/Return Receipt Mail to track time between receipt and processing payment to get this average. 
Have spoken to Harley Davidson Financial Services on this, but they refuse to change the practice.
Paid back in the XX/XX/XXXX to a debt collecter, sold again after paid to XXXX in XXXX, AR they apparently filed a judgement but never tried to collect, I went around and around with them and Citibank finally got it clear up and off my credit record bought and sold XXXX houses in XX/XX/XXXX some debt collector name XXXX, Ar refiled a judgement on me that has kept us from selling our house. Debt collector made mention in letter why I thought it was paid. I do n't keep records that long but I did contact my bank where I bought and sold home it shows paid, verified by the credit bureau and show on my credit report in paid status with the date, I have ask XXXX to verified this debt and they refuse, but continue to hold judgement on me. I have called there office they have went from XXXX to XXXX to XXXX
Dear Sir/Madam, Listed below are the facts of our complaint in the order of occurrence against Nationstar Mortgage LLC ( XXXX XXXX ) XXXX, TX XXXX for failing to post mortgage payments to our accounts mentioned in the documentation. Even-though our monthly payments are always sent out on time, Nationstar Mortgage LLC is not keeping the accounts up to date. However, late fees are applied monthly. Nationstar Mortgage LLC does not respond or corrects the problem after numerous letters were sent to several of their departments, including the Executive Vice President Of Servicing ; see listed below and attached copies of correspondence : XXXX/XXXX/XXXX forwarded letter to Nationstar asking to post mortgage payments made to accounts XXXX and XXXX on line ( XXXX/XXXX/XXXX ), and to remove late fees and derogatory remarks from loan 's history ( see attached copy of letter ) payments were made on time. Nationstar monthly statements do not reflect the payments made. 

XXXX/XXXX/XXXX forwarded letter to Nationstar asking to post mortgage payments made by check to accounts XXXX and XXXX and to remove late fees and derogatory remarks from loans history ( see attached copy of letter ) payments were made on time. Nationstar monthly statements does not reflect the payments made. 
We have sent out monthly letters to Nationstart Mortgage LLC since XXXX XXXX when they removed the automatic monthly withdrawal we had set-up on line. 10 months have passed by and Nationast continues to delay the posting of the monthly payments o ignore the posting. Also, adding late fees. We have receive threatening calls from the Nationstart staff, demanding money, threatening of foreclosure, damage to personal credit, etc. very unprofessional people, not willing to resolve the problem, only interested in making the issues worse. Attached are copies of all the correspondence we have submitted to various Nationstar 's departments and sent to several staff.
Kay Jewlelers continued to contact my family my mother, sister, brother even after I wrote letter of hardship offering to pay {$50.00} a month until debt was paid. They practice unlawful practices and harass other members of my family in other states - I have asked them to stop these practices. I have offered to pay a minimum of {$50.00} a month. I have tried to close account to freeze interest. The website will not close the account nor will they close via letter request.
Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of Equifax, XXXX and XXXX. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. Equifax XXXX and XXXX XXXX I am XXXX Lifetime and Retired.
Back in XX/XX/2018, I went to XXXX XXXX XXXX XXXX. They told me to use Green Sky for credit to sign up for the program. They contacted Green Sky ( XXXX XXXX XXXX  XXXX ) and over the phone signed me up for credit. I never saw the original contract I was signing nor did anyone tell me at the time that they were going to charge me more interest than the loan was for. As you can see from the attached, I had a credit line of {$3000.00} and they want to charge me over {$6000.00} for the loan. I think this is absurd and unfair credit practice. Please help.
XXXX ACCOUNTS ON THE EQUIFAX REPORTING TO MY KNOWLEDGE ARE NOT MINE AND I NEVER HAD THESE XXXX ACCOUNTS, I HAVE DISPUTED THESE ITEMS FOR SEVEN TIMES BUT I STILL HAVE NOT RESOLVE THIS ISSUE, AS WELL AS MY INFORMATION DOES NOT REPORT OR GETS UPDATED ON THE WEBSITE WHICH I USE, EQUIFAX IS NOT TRYING TO HELP IN THIS MATTER, PLEASE HELP ME IN THIS MATTER. 
THANK YOU
XXXX Energy companies ( XXXX, XXXX, and XXXX ) started calling me XX/XX/2016 to collect a utility bill of {$330.00} owed by a person with my name. Each company ask for my Social Security number to verify the account. I told them I did not have an account with their company and will not give my SS number. I thought it was a scam. XX/XX/XXXX I received a letter from Convergent Outsourcing , Inc. trying to collect the debt. I called and talked to XXXX XXXX and told her it was not my debt. XXXX XXXX sent me a form to fill out asking for all my personal information. I called and the guy on the phone admitted my phone number and address was looked up online. Either energy company or debt collection agency found my address and phone number with the same name as a person who did not pay his energy bill and decided to harass me until I pay a bill I do not owe. I told them to take my name, address, and phone number off the account because I do n't owe this money. Since the man could not get me to give out my information his supervisor got on the phone and tried to pressure me into to giving my information before it destroyed by credit.
XXXX  XXXX  sponsors XXXX  XXXX XXXX credit card. The credit card offer at the store is deceptive and offers a discount that customers can not attain. On XX/XX/18 I attempted to take advantage of the published offer and was told that I could not get 15 % PLUS the 20 % on my " entire first purchase. '' The store manager stated that it was either/or but that is not what their advertisement states. Please review the " in store '' marketing material and it clearly states that customers can get 15 % off when they use the credit card " Plus get '' 3 different deferral payment plans " or '' 20 % off the entire first purchase.
I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the Equifax data breech. However, I now live in XXXX ( and have since 2010 ). As advised by many experts, on Sunday XX/XX/XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.