WillisBack/dataset-financial-user-claim huggingface dataset:
I am still having a problem with Equifax in XXXX. They continue to send mail to an old address of mine in XXXX, XXXX, even though I have not lived there since XXXX. Of all the credit reporting bureaus, I find Equifax the most difficult to deal with. 
In the spring of XXXX, I discovered I was the victim of major identity theft. I contacted the XXXX main credit reporting bureaus to place fraud alerts and security freezes. I found out that the identity thieves were using XXXX addresses to open up fraudulent accounts using my personal information : XXXX, my old apartment address in XXXX, XXXX, and XXXX, a phony XXXX in XXXX, XXXX. 
The Equifax Security Freeze Department continues to send mail to my old XXXX, XXXX address, even though I have told Equifax REPEATEDLY that I have lived in XXXX, XXXX since XXXX. 
I gave Equifax copies of my XXXX, XXXX utility bills, SSN, and other personal information to confirm my identity in the spring of XXXX. I also provided a letter from my former landlord in XXXX, XXXX, stating that I had not lived there for 8 years. 
Yet, on XXXX, I received yet another " change of address '' letter from Equifax. If I call the Equifax Security Freeze department phone number that is on the letter, they will not talk to me, as I do not have an " Equifax Security Freeze number. '' Equifax never gave me a security freeze number ... I reviewed all of my correspondence with that company, and a number was never provided. 
Online sleuthing and additional reports indicate that XXXX of the identity thieves, a male, lives in my old XXXX, XXXX apartment. This thief used my personal information to open up several fraudulent accounts, including a home mortgage loan, an auto loan, bank credit cards, and a personal installment loan. 
I am going to ask Equifax , ONE MORE TIME, to stop sending my personal mail and personal credit reports, to XXXX, XXXX My son is contacting law enforcement on my behalf, in hopes that the XXXX identity thief will be arrested. In the meantime, I need Equifax TO PROTECT MY PERSONAL INFORMATION, AND TO STOP SHARING MY PERSONAL CREDIT REPORT WITH OTHERS! I NEED EQUIFAX TO STOP MAILING EQUIFAX LETTERS AND PERSONAL CREDIT REPORTS TO MY OLD ADDRESS FROM EIGHT YEARS AGO!
Trans union is showing a old debt against me on my credit reporting. I have submitted a dispute with the collection company and suddenlink communications.
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed : XXXX County Police Department # XXXX. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I am a litigious consumer and fully intent to enforce my rights, you should now that law provide monetary relive of {$1000.00} per item, if you continue listing these items illegally this complaint will serve a proof in a court of law. 
I'm reporting this as an effort to clear my name.
I have contact this company as well as the bureau to properly validate this debt. They have yet to do so. I wrote a letteXX/XX/2018, XX/XX/2018 and they sent a letter stating it is my debt without proper validation or letter or contract bearing my signature. This debt or account was otherwise opened without my consent and needs to be removed. I do not owe this company. They also repeatedly call my phone.
Report # XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 2 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 3 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 4 : I  dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account ( XXXX ) Item # 5 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
I have attached all documentation and it is also numbered.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 


Respectfully, XXXX XXXX XXXX
I '' M A MEMBER OF PNC BANK ABOUT XXXX MONTHS AGO I WAS XXXX CHARGED BY A COMPANY NAME XXXX WHICH TURN OUT TO BE A SCAM SO I INFORMATION PNC BANK WHICH THEY RETURN THE MONEY TO MY ACCOUNT SO XXXX CHARGED ME AGAIN SO I WENT TOPNC ON XXXX/XXXX/15 & I TALKED TO XXXX XXXX XXXX WHO INFORMATION ME THAT MY MONEY WOULD BE IN MY ACCOUNT IN 10 DAYS BUT I CALLED THE BANK PHONE LINE IN THE MONEY WAS IN THE BANK SO THE NEXT DAY XXXX/XXXX/15 I WENT TO THE ATM MACHINE THAT WENT I LEARN THAT THEY HAD CLOSED MY ACCOUNT THEY OWE ME {$170.00} I JUST WANT MY MONEY
I have been in foreclosure since XXXX first with XXXX XXXX XXXX, where i sent a payment in and the XXXX XXXX XXXX sent payment back and this is how I started foreclosure, due to myself having XXXX XXXX XXXX.at the time i had gotten sick we had no health ins had to buy XXXX well its a no brainer the XXXX hlth Ins came before the Mrtg. 
Anyhow now XXXX XXXX XXXX sold the Mrtg to Capitol One Bank I 've been trying to work a modification, with them.My house was set for sheriff sale on 4 different occasions and the last date was XXXX XXXX XXXX. When I called bank they told me my house sold I spoke to XXXX different people, XXXX XXXX, XXXX.After speaking to XXXX I asked for Banks Lawyers number and Lawyer had told me sheriff sale was canceled by them on XXXX XXXX. I called Bank asking to speak to XXXX who is in charge of the Packet she never phoned us or a letter was never sent telling me my package was dropped., I told the bank this, no letter ever sent. Well on XXXX XXXX they had a letter over nighted by XXXX post marked for XXXX XXXX XXXX the letter was dated on top with the Banks letter head XX/XX/XXXX.The letter stated my house was up for foreclosure sheriff sale and canceled because of incomplete package and up for sale, but no date of sale on letter.So what i am trying to say is this Bank is changing dates post marking not sending and not informing us properly to give us the chance to get our paperwork in on time.Please any help I can get to save my house, would be greatly appreciated, or to get the Bank to work properly and fairly with us as customers. 
Thank You Sincerly XXXX and XXXX XXXX and XXXX XXXX my cell # XXXX XXXX XXXX XXXX Capitol One Bank Loan # XXXX
I have a paid collection with XXXX that was supposed to be removed from my credit report after payment.
I have disputed this item several times. A tax lien was placed on my file in XX/XX/XXXX. It was not supposed to even happen as the filing was inaccurate. I paid the money that the state said I owed to avoid this issue. Despite paying the {$1500.00}, a " lien '' was attached. I immediately, when I found out, addressed this issue. The case is settled, closed and moot. Experian and XXXX XXXX have corrected the issue. Equifax did not. I was denied a student load because of this and disputed the information again in XX/XX/XXXX/XX/XX/XXXX so that I could obtain federal student loans. I assumed it was taken care of as I got the loan. I applied for a XXXX XXXX and found this on my file still. I called the pronothary 's office and they CONFIRMED that they do not send information to the credit reporting agencies. I spoke with several agents at Equifax who provided me with canned responses. XXXX said that the dispute had been verified by the pronothary 's office and I advised her that this is simply not true. She then revealed that a third party trolls for the information. I advised them that the information that they placed on my file is in accurate and has caused a ton of hardship. Same response - nothing. I am caught between a rock and a hard place and XXXX office tells me that it is a credit bureau issue and the credit bureau tells me that they are reporting accurate information. I have documentation that the lien is settled and in error and this has been sent several times to Equifax for correction to no avail. I have been given incorrect, inaccurate and downright false informatoin by Equifax employees and I would like this investigated.
XXXXXXXX XXXX sent these two letters in an attempt to verify two charge offs on my CR. These are not my accounts and I DID NOT REQUEST A FRAUD INVESTIGATION FROM XXXXXXXX XXXX. ( See attachments ). XXXXXXXX XXXX on this website stated they were not contacting me on my issue anymore however they are sending letters implying that Im requesting a fraud inquiry. I have Not contacted XXXX XXXX since XXXX by certified letter requesting removal of the charge offs. Since that time XXXX XXXX has performed unrequested inquires and fraud investigations without my approval attempting to verify a debt thats not mine. The 3 CRAs are simply parroting inaccurate unverified information from chase bank. Now I feel like Im being harassed by XXXXXXXX XXXX who will not comply with the guidelines of the FCRA in reference to inaccurate unverified information placed on consumers CRs.
I tried to get my free annual credit report and upon ID verification it asks about an auto loan and also a student loan. I have never received any type of loan in my lifetime. Please help me get to the bottom of this issue.
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I was unable to make payments due to medical crisis in my family and on XXXX/XXXX/XXXX I made a payment arrangement with Spring Leaf to make {$50.00} one time payment and {$70.00} thereafter till I am able make the full monthly payment beginning XXXX XXXX. I have been paying as agreed but Spring Leaf is sending Sheriff to harass my family -- my husband recovering from XXXX and our daughter with XXXX challenge. When I called them to ask why, they said if I do n't want the Sheriff at my door, I should go to the Sheriff office to sign some papers! 
See attached fax cover of hardship request I made for the payment arrangement and my bank activity showing my payments.
keep getting calls from XXXX, when I talk to a representative to explain I do n't know who they are looking for, they put me on hold and never come back. This harassment has been going on for weeks now and they call almost every day.
I have been a Rushcard member for over 10 years. Because of a " glitch in the system I can not access my account and can not get when the problem will be corrected
Equifax identified a cybersecurity incident on XXXX XXXX, XXXX. The information about the breach was not publicized via a press release until XXXX XXXX, XXXX. 

This breach contained names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers.
Republic Finance posted the payoff of this account, which was a check from my credit union, the day after the payment was received. Ultimately, this resulted in a 30 day late payment, which was the only payment ever reflected as 30 days or greater on this account. This is a blemish on my credit report, and it limits the availability of credit to me or the interest rate of credit available to me. In an attempt to resolve this, I called Republic a few months ago, and they stood firm.
In the XXXX of 2014 my grandson applied for a {$8500.00} student loan from Sallie Mae. He asked me to co-sign the loan. I was reluctant to do so, but finally did. The reason for the reluctance was the interest being charged ( 8.5 % ADJUSTABLE ) when interest rates elsewhere were 2 to 3 % and fixed. I checked my credit report and determined I had a very high number. I am a XXXX year old veteran and a retired XXXX from XXXX XXXX. I have always paid my mortgage, car payments, and all other payments on time. I called Sallie Mae and complained to them about the interest rate. They said " It was determined by their computer ''. I believe that is hogwash! I have complained in emails to several government agencies and have never received a response. I think Sallie Mae is taking advantage of students needing loans for their college education. My grandson will be a XXXX this XXXX and is doing good in his school at XXXX XXXX. I would appreciate you looking into this to determine if Sallie Mae is charging unacceptable interest rates for its student loans.
Company gave me a payday loan in the amount of {$950.00}. I have paid a total of {$1100.00} which includes interest that I was illegally charged. I missed one payment and was trying to work out a payment plan. In the course of trying to contact them, I discovered this company has no license to do business in California ; further I received correspondence from this company stating they do business from XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
on or about XX/XX/XXXX XX/XX/2015 we apply for a fnb credit card with this bank and after put my my credit score was XXXX over the average. which is excellent credit. and was the denial. so we apply for there business credit for the business that we owe with good credit. we was denial again. so we file a company with the consumer financial on or about XX/XX/2015. in the bank response they never addressee the issue .denial base on excessive credit report inquire. in there reponse they said no social security number and that statement is untrue. she said with this small business product requires a personal guarantee we was never offered the guarantee and that was unfair. we would sign a personal guarantee, if it was offered to us. but it was not. we are still denial your approve of the product base on the fact excessive inquire which is not a base. we as a XXXX XXXX and a XXXX owen with excellent credit. never late no miss payment always pay on time .I believe it was unfair to denial the business card for the company.
in XXXX we ask bank of america to refinance our loan to get a lower mortgage payment banker by the name XXXX XXXX at bank of america was helping us got the mortgage down and bank of america dismissed him so i kept calling and calling till finally time went by and i became behind on my mortgage XXXX years total XXXX dollars no way we could catch that up if someone would have answered my call this would have not happened we filled bankruptcy in XXXX for this house there was no way we could get that kind of money the bankruptcy cleared the dept of this house was granted nothing but mortgage statements was sent to me from that point on i thought how are we going to pay that then they sent a loan modification we been paying for XXXX years i think its wrong the bankruptcy cleared us now were paying more than the dept we was cleared for that 's not fair bank of america knew the dept was cleared we did n't know we were bamboozled bank of america never sent anything pretaining to this house far as to leave or turn the house over to them we would have turned it over we did'n know the attorney said the house and dept was cleared we were not responsible. The payments were not recorded to the credit bureau either XXXX years.
Sent certified letter to Gold Key Credit/Collection to verify debt that is not mine no response to date they had XXXX collection accounts and only deleted XXXX but still has not sent any verification of the debt for the other XXXX nor have they removed from credit reports
XXXX XXXX is stating that I owe {$2000.00} for services with Synchrony Bank from 2013. Thy are not able to provide any documentation bearing my signature, where the balance is coming from and what exactly it is for. I have sent several certified letters demanding that they provide me with all of the documentation to support this, which they have failed to do so. The only letter I have received was a letter stating the balance was " verified ''. This is a COMPLETE violation of Defamation, Negligent Enablement of Identity Fraud, Violation of the Fait Credit Collection Act and Violation of the Fair Credit Reporting Act. This is severally hurting my credit score and I have spent hours of my time and money trying to get this resolved. I demand that this be completely deleted from my credit report with ALL 3 bureaus. My next step will be small claims court, which I have already filled out paperwork & obtained an attorney. I expect this to be taken care of within the next 30 days.
Quicken Loans replied on XX/XX/2017 ( letter included ) to a 15 USC 1692g debt validation and U.C.C. 9-210 account /collateral requests and did not produce the collateral or status as required in 14 days. When challenged in Federal court for the same they have not produced the requested data. Quicken is in violation of the Uniformed Commercial Code, FDCP Act and NCDCPA who simply sent a bifurcated promissory note when collateral was requested based U.C.C. 9-210 on the authority of a robo-signed fraudulent assignment. Despite the collection being disputed, they continue in the extortionate collections by communicating non-judicial foreclosure threats with fraudulent documents without any offers or communications to modify. 

QUICKEN LOANS AS SERVICER IS ATTEMPTING TO USE EXTORTIONATE, UNFAIR, AND DECEPTIVE PRACTICES IN VIOLATION OF FEDERAL DEBT COLLECTION PRACTICES AND NORTH CAROLINA DEBT COLLECTION PRACTICES ACT TO FORECLOSURE ON PROPERTY WITH A ROBO-SIGNED FORGED ASSIGNMENT WITH PROBITHED NOTARIAL ACTS. ALL PARTIES ARE MISPRESENTED IN THE INSTRUMENT OMITTING QUICKEN LOANS AFFILIATION AS OFFICERS OF EMPLOYEES WHILE REPRESENTING ANOTHER OFFICER OF ANOTHER ENTITY WITHOUT PHYSICALLY BEING BEFORE A NOTARY IN VIOLATION OF MICHIGAN AND NORTH CAROLINA PUBLIC LAW. THE SAME HAS BEEN REPORTED TO THE ATTORNEY GENERAL AND THE MICHIGAN OFFICE OF THE GREAT SEAL FOR NOTARY CONFLICT OF INTEREST SECTION 55.291 ( 9 ) A notary public shall not take the acknowledgment of a record by or to a bank or other corporation of which he or she is a stockholder, director, officer, or employee, under circumstances where the notary public is named as a party to the record, either individually or as a representative of the bank or other corporation and the notary public is individually a party to the record.

North Carolina Fair Debt Collection Practices Act 58 70 110. Deceptive representation.

North Carolina Fair Debt Collection Practices Act 58 70 95. Threats and coercion. 
No collection agency shall collect or attempt to collect any debt alleged to be due and owing from a consumer by means of any unfair threat, coercion, or attempt to coerce. Such unfair acts include, but are not limited to, the following : Using or threatening to use any illegal means to cause harm to the person, reputation or property of any person ;
i received a american express prepaid card as a gift in XXXX 2015, unfortunately i did not get gift receipt with that.. i tried to use the card now and found that it had XXXX balance.. when contacted american express customer care, i was told they can not do much as it was a cash loading issue at the merchant place
We have spent over 5 hours on the phone with Equifax trying to get signed up for their Trusted ID because the  verification link does not work ( we have tried for 8 days all hours ). When you call after over 50 minutes on hold twice they have hung up on us because they do not know what to do. Same phone hang up when trying to get a freeze put on the account at another number Equifax gave us for that " service ''.
Home Depot dropped my credit limit from {$25000.00} to {$500.00} and then demanded I pay the balance that was now over the limit ( which was approx {$4000.00} ). I have spent hundreds of thousands of dollars with their company and have never been late on a payment during the 10 years that I have been a customer. Two days before this happened, I paid off {$17000.00} I spent on a new kitchen just before the 0 % interest promotion ended. I believe that they did this as punishment for not exceeding the promotional period and accruing around {$7000.00} in interest. I tried to resolve this with their company XXXX times and after being transferred around from person to person over and over, they finally just left me on perpetual hold and never answered again.
When l checked my XXXX credit report today l realized that ; Citicards reported a hard inquiry on XX/XX/2018 which l have no idea about.
i closed a checking account on XX/XX/XXXX and it has not closed yet with a promise it will close in three days at least once a week.received a promise today
On XX/XX/XXXX, I sent a certified letter to Capio Partners asking them for debt validation of the an account, as I never received any bills prior to debt of {$540.00} hitting my credit report. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the medical service provider.

The documentation included 4 full pages, detailing all of the treatment/procedures done as well as the cost associated with the procedures and treatments given at the hospital. ( XXXX Hospital and Medical Center ) They have violated the regulations of the HIPAA Act of 1996.

I never signed a HIPAA form authorizing Capio Partners to have access to my patient information.
Creditor Pressler & Pressler obtained judgment against me by serving papers to my foreclosed property while i had been homeless. I never received information on court date or subsequent judgement. I reached out to the company after notified by former family member that a notice was mailed to his address about wage garnishment. I verbally requested verification of the debt, and provided my current mailing address for corespondence. I also attempted to make payment arrangements of which i was told i would receive a call the next day which did not occur. The only communication i received was notices for intent of wage garnishment at the new address i provided but they never verified the debt.