WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I found out that a company named Equifax somehow had access to my SSN and credit card information. I also found out that they somehow lost this, and HALF of my fellow countrymen 's information too. I also found out that this had also happened on a much smaller scale months ago. Equifax refused to implement the proper security protocols to change their vulnerability and now has lost half of the USA 's populations most important information. The worst aspect of all of this is that Equifax executives sold almost {$2.00} XXXX in stock sales following data breach back in XX/XX/XXXX. So while they profit, the people affected by this breach sit and wait for a con artist to steal our identity. So what do I do now? I ca n't change my SSN. Our country refuses to have a national ID. I simply have to wait for someone to use steal my identity. SSNs were not intended to be used for identification purpose. They are about the least secure form of identification possible. Equifax must pay for their lax security, executives greed, and indifference towards the US citizens information.
I am behind on my mortgage there is a current complaint ongoing with Ditech and XXXX XXXX XXXXXXXX. I received a letter for Ditech stating that my request for assistance has been denied because the application was not complete.The issue is I have not submitted the paperwork. I have not received the application yet. I was sent an email but the attachment ca n't be opened. I contact Ditech on XXXX XXXX and was told the would mail on they could email it (? ) it would take 10 days I still have not received the application. I compiled all the information needed i.e. pay stubs, bank statements hardship letter, but do not have the application.
Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX for the money orders. The tracers from XXXX providing proof of payment are attached. Due to Bank of America not properly investigating my initial complaint ( XXXX ), I have now incurred an additional {$130.00} expense XXXX {$15.00} per money order x XXXX ) for XXXX to provide tracer data.
My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. 570-580. I  have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then 570-580 since I have had credit and I am in my 50 's
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I received my credit report from TransUnion today and in there it says I have a balance due of {$270.00} from XXXX that went to the collection agency XXXX. I have never had a account with XXXX, and when I called, they informed me that they have no information on me or any record of me ever being a customer with them. I then tried to fill a dispute online and over the phone with TransUnion and was denied because they could not confirm my identify based on the questions they had asked me ( questions I could n't answer because they 're possibly about whoever is stealing my identity or whoever they 've mistaken me with ). They were asking me questions about a auto loan and a mortgage, neither of which I have never taken out. I tried several times to tell them that fact, and also informed them there was another name and phone number on there that is n't me, and that this could potentially be a case of mistaken identify or even identify theft. I was told there was nothing they could do because they could n't confirm my identity.
This company never sent me a notice of right to dispute at all. I sent a debt validation request asking for information and they have yet to respond. They even pursued to report the debt to XXXX and had not yet validated the debt with me during this 30 day period. This is a violation of the FDCPA. I will seek legal ground if this is not stopped.
I was called by First Financial debt collection agency and I tried to call back but could n't get anyone on the phone. I was so worried I pulled my wife 's and my credit report just to find that nothing was wrong. I finally got a hold of someone to find they contacted me in error but now it still shows an inquiry on my report. I do n't know why they called me and it should never of happened because it made the XXXX of us panic.
My dad XXXX XXXX on XX/XX/XXXX. I made the mortgage payment on XX/XX/XXXX to make sure the account was kept current and at that time requested an email letting me know what would be needed for me to be able to sell the house. 

I have emailed and called in an attempt to receive the needed paperwork to sell his house twice a week for this entire month. They have refused to send me the necessary paperwork so I can sell the house. Several times they have even refused to let me speak to a manager. I have email confirmations and all the of the times called. 

Every single call I have had to explain that my dad XXXX XXXX   and no one has given even the most basic of information. 

This is completely inappropriate and financially devastating to my family.
On  X/XX/17   , I requested Transunion  &    XXXX   to validated accounts on my credit report and received response on  XX/XX/2017    from Transunion and on  XX/XX/2017    from  XXXX  that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also Transunion  XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them
When I applied for my loan in XXXX of 2016, the Loan Officer that was taking my application filled out half of my application. Things went by vey quickly, and he was marking boxes, and putting in value of different assets himself. After about a year of making payments, the payment amount did not make sense when I calculated the original loan balance and the scheduled payments. It was not until I called the company and asked them why my payments were so high that I was told I had insurance on my loan. I did not approve of this insurance being added onto my loan. I have also asked for statements and amortization schedules on several occassions. I finally did get a payment summary, but never an amortization shedule at any time when I have requested it. I have also tried setting up my account online, but always get an error message. I also noticed on my payment summary there were a couple of payments where {$0.00} was added to my principal balance. Although my interest rate is high 35 %, there is some portion of my payments that should be going to principal. Furthermore, I did not give permission to put insurance on my loan, and again, my Loan Officer filled out half of my loan application. There is no way to get into your account online, and Mariner Finance does not send electronic statements or statements via mail. They never let you know what is going on with your account, and when you ask for information, they don't come through. They have absolutely refused to send me an amortization schedule. Again, I have asked several times, and have NEVER received one.
Company did not respond to my certified letter they signed for it but did not reply ... I went to the company in person they could not provide me with proof of the debt ... they became rude when I ask them to romove the false debt. I do not have a debt with the company. I spoke to XXXX different managers, no success. Managers XXXX, XXXX and XXXX all said they will get the home office to draw up some paperwork. I have never been to Mariner Finance until yesterday to request proof. At first they said they did n't have anything, then they said the purchaseday the debt from another company but never provided proof and refused to remove from my credit. I have never entered into any type of agreement with Mariner Finance. There are XXXX separate reportingshower on my credit reports from these companies. I sent disputes to all XXXX credit reporting agencies and to Mariner Finance directly, no resolve, please help.
I sent EQUIFAX, written requested for full file disclosure pursua nt to 609. Disclosures to consumers [ 15 U.S.C. 1681g ] of fair credit reporting act o n  XXXX / XXXX / 2017 . USPS delivery on  XXXX / XXXX / 2017 , My request was denied ( ignored ). So, on  XXXX / XXXX / 2017  I sent a second request.  USPS  delivery  XXXX / XXXX / 2017 , the company is in clear violation of federal FCRA law.
As of XXXX 2017, XXXX has not fixed the error that 's on my credit report. I have contacted XXXX and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted XXXX on several occasions to remove this account from my credit file. I disputed this account with XXXX and XXXX has not done anything about it. I even asked XXXX if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. XXXX does not respond or they take well over 30 days to respond if they feel like it. Please have XXXX  remove this account from my credit file immediately. I even tried calling XXXX to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.
In XXXX, XXXX, after the XXXX  data breach I froze my credit at Equifax and XXXX. I could not freeze my credit at Experian because of system problems. I was given a pin number and after trying to freeze my credit by telephone, I was told I needed to mail the request in. I chose not to mail the request, so my credit report with Experian was not authorized to be frozen. 
Today, my potential mortgage lender, XXXX XXXX could not pull my credit because they were told that my credit was frozen by Experian. Per my request, XXXX and XXXX  had unfrozen my credit. However, because of Experian they could not proceed. 
This is my complaint. Experian is not accessible by telephone to unfreeze credit neither do they give an option to talk to a person. I called the number they publicized : XXXX XXXX times. Also, I called the two numbers XXXX XXXX gave me : XXXX and XXXX and heard the same prompts ( 1or 2 ) nothing for freeze and no option for a representative. I just checked online using my Experian PIN and the message I received '' ... you do not currently have a security freeze on your account.So, if I do not have a security freeze on my account, why are they reporting it as frozen? I need to talk to someone to get this issue resolved. My credit at XXXX and XXXX   will refreeze on XX/XX/XXXX XX/XX/XXXX
I used my mortgage company 's website to set up an online payment as I usually do each month. The payment was set up to be paid on XXXX/XXXX/15. I received XXXX emails from Ocwen confirming I successfully set up my payment. They usually do n't take it out of my bank account on the day I request so when it did n't happen right away I did n't notice. When I reconciled my bank account last week I noticed it still had n't come out and got concerned. I logged into the website and it said I still owed my XXXX payment. I also noticed that their confirmation emails did n't arrive until after XXXX/XXXX/15, making it seem impossible for the payment to come out on time. Since it was the weekend I emailed my concerns but did not hear back. I called today and was treated very badly. The Ocwen representative assumed I was lying even when I asked him how to forward the XXXX Ocwen confirmation emails I had received earlier in XXXX. I had trouble understanding him but he finally said that no late charges had been added and did I want to make a payment. I said I would make the payment online so it cost less ( {$10.00} ). He said " so you 've waited 21 days to call and now you do n't want to pay ''. I am upset with his attitude and with the fact that I had to pay {$10.00} for an online payment I had set up on time. I do not trust them to now take the payment accurately and am worried they will take it twice. Ocwen 's communication has always been poor but we are trying very hard to stay current and they are treating us badly.
Transunion would not respond to disoute although the {$180.00} was paid off and  XXXX  did respond and has account closed with  XXXX  balance
I am reporting First National Bank ( XXXX XXXX ) again for making harassing phone calls for credit card payment. I reported them a week or so ago and am still getting harassing phone calls from them. Please let them no that I do n't want any more calls on my phone. Thanks.
I refinanced the Mortgage that I had with PHH Mortgage back on XX/XX/2015 almost 3 years ago. They never provided me with a lien release & stated that they mailed it to the county along with a check for the county to record the reconveyance. I simply asked for a copy of the recon and they said they lost it when they shut down the office that was preparing the documents 3 years ago. They said it can take up to 30 days to produce a duplicate. They want me to make my payments on time but yet I have to wait 30 days for a document that should have been sent 3 years ago. I find this totally unacceptable. I also asked for proof that the county cashed the payment. XXXX said she can not get me that information. I feel that they are purposefully not being honest with me. I started this process 4 business days ago & nothing.
I never attended one class at this school. They withdrew me from the school navient is stating that I owe them a balance. I have never attended this school and have stated this to navient. The school explained that if any funds were sent to them they were returned to sallie mae of which is not navient. This is harming my credit and very crooked. I have not attended the school therefore no services in regards to education was received. Please remove this from my credit reporting navient is acting in an illegal manner.
I opened a citi gold checking account on XXXX 2016 in that I received the offer for " get XXXX Thank you points by opening citi gold checking account and make 2 qualify bill pay activity ''. I opened the required checking account and made required bill payments. However, when I call them again in XXXX and the citi bank customer service said I was not qualify for this promotion. Nevertheless, when I called in to open the account with the promotion, the customer service representative did not say I disqualify the offer. Now they refuse to give me the points.
Apparently I have a collection debt for an utility I know nothing about. I owe XXXX to XXXX and I dont even live in XXXX. I live in XXXX and actually live in a XXXX at the moment so I obviously do not need to have any utility on my name at the time XXXX does not have that information on my credit report but XXXX and XXXX do show me this problem in my collection debts
EQUIFAX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted equifax regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( XXXX ) XXXX
Being sued for non-payment of a private loan, but do not have any records of taking out a private loan. Was not notified of any collection until the lawsuit and now wages have been garnished. Looking for documentation to verify original lender and what date the loan was issued, amount of debt actually owed, and when last ( if any ) payment was made toward this supposed debt.
I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.
I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX  as my only address but they refuse to remove multiple addresses located all over XXXX XXXX XXXX  as well as an old XXXX XXXX in  XXXX XXXX, I have requested numerous times to remove XXXX XXXX XXXX who is on bkXXXX discharged as ofXX/XX/XXXX but they keep popping up on my credit report even as of this date XX/XX/XXXX ; not only XXXX XXXX XXXX  but also XXXX who is on bkXXXX, XXXX XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX  who been paidXX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XX/XX/XXXX,. XX/XX/XXXXabsolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX XXXX. I would like my bankruptcy case # XXXX  filed XX/XX/XXXX discharged XX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX XXXX. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.
I have some delinquent taxes owed and they were placed with a collection agency Keith D Weiner and associates. I asked for a printout of the balances owed for the years I owe back taxes to. I requested it on XX/XX/XXXX and received it about 4 days later.I looked over the documents and found that they basically doubled what I owed. Tax year XX/XX/XXXX I owed XXXX then after everything was said and done It went to XXXX. It says court costs, attorney fees and even pre placement interest. This is the same for tax years XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. This is outrageous. For tax year XX/XX/XXXX I had the XXXX down to XXXX and then it went up to XXXX they claim court costs at XXXX times 2 .... They tried to garnish my wages 3 times and they were unsuccessful due to me not making enough money. I don't know why they are charging attorney fees when I only talked to their attorney once and that was back in XX/XX/XXXX. This company is a scam and their collecting practices are ridiculous. I will scan the papers I have to document that what im saying is true. I would like to add that they are charging interest instead of 30 % right off the top its charging every month
The debt collector continues to call all my family members and harass them. They shared personal private information with family members and friends. I 'm embarrassed, and humiliated. Iv e asked XXXX repeatedly not to contact my family and she continues to do so. Iv e asked her to stop calling me and she continues to do so. I 'm unemployed and homeless. I live on the street. Please make it stop. I do n't know where else to turn. My name is XXXX XXXX XXXX. Email is XXXXXXXXXXXX and the debt collector number is XXXX ext XXXX. Thank you.
XXXX XXXX, 2017, LexisNexis sent me a letter indicating they were " suppressing '' the bankruptcy record on my file maintained by them. I assume their use of the word " suppressed '' is tantamount to " deleted ''. As on this date, I have not received a resolution letter or the updated XXXX XXXX report. Additionally, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal Case # XXXX LexisNexis Consumer #  XXXX
Victoria 's Secret - Comenity Bank My account is showing a balance which consists of numerous late fees ; however, I paid the balance of {$110.00} in XXXX. 
In early XXXX, once I realized that I was behind a payment, I called the Customer Service number about my payoff, and asked about having two of the late fees removed because I have been having US mail issues and not receiving my statements. I was told that they would be removed, after my payment was received. With that late fee credit ( {$50.00} ) and the interest charge for them ( {$3.00} ), my balance would be {$0.00}. 
Since that time, my account has accrued a late fee each month ranging from {$27.00} to {$37.00}, to the amount of {$230.00}. 
In early XXXX, once I realized that my account was still accruing fees, I called the customer service number and I was told that no one by phone could help me and that I needed to send a letter. I did send a letter and received a response stating, " A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fee from your account. '' However, within a few days of receiving this letter, I received a XXXX billing statement showing on XXXX, that I was credited for two late fees and finance charges totaling {$75.00}, but still showing a balance of {$170.00}. I again called and spoke with a Supervisor and was told that the late fees and finance charges are a legitimate balance. 
How can they continue to change me fees? This credit card bank should have never been able to charge me any fees since I paid off the balance on my account in XXXX. They are now saying that they can not refund anything and I must pay the balance due, which is all fees that I have been charged by them. I did offer to pay the {$50.00} late fee that was charged in XXXX to try to satisfy this account, but they would not remove the other fees that they have charged since their customer service representative did not do what she stated that she would do. I should have a XXXX balance/paid in full on this account.