WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I were never able to see our credit scores, for years we would try to check them and we were told that we must have had the wrong information because the information that we provided was not linked to anyone 's credit. Since it was XXXX of us having the issue, bankers usually just concluded that it was because we were young and had never really built our credit so it must just be that we had no credit at all, and that was why our findings were so inconclusive. 
So my wife worked on her credit where she could, and I helped where I could. Once her credit score was good we looked into buying our XXXX home. She had established a credit score through small student loans initially and then on to a {$200.00} in-store credit card. So we could see that her credit was a XXXX which we were very impressed by, but I still had no credit score at all. I checked back often on credit sites and was never given a number, just an error message that I must have the wrong information. 
So in XXXX of this year ( XXXX ), we spoke with a mortgage broker about buying a home. He had me check my credit again at which time I found that I had a derogatory mark on my credit that had been posted years prior from a phone bill that had went to collections. I was previously unaware that I had had any outstanding fees of any kind, as I had never gotten this bill, in the mail, via email, or even received a phone call about it. 
The initial bill is from XXXX and we moved in XXXX of XXXX, and forwarded our mail accordingly and immediately changing our address on file with any and all financial institutions. We never received a bill to our old address or our new XXXX in XXXX. 
I had no idea that I owed any money to anyone and thought everything was fine. 
So in the beginning of this year when we had worked on our credit and were trying to buy a home, I suddenly had this old derogatory mark on my credit that had never come up before and it said it had been posted in XXXX. As soon as I saw it I immediately ( within 24 hours of discovering it ) called the company that it said I owed and paid it in full, asking that it be removed. They complied and took the charge off, leaving the derogatory mark on my credit. I have called the collection company time and time again, trying to have it removed, as it was so many years ago, it should n't even be there.I pay my bills and the XXXX I found out that this XXXX existed, I paid it. Despite all of my efforts to have this mark removed from my credit I was told by Enhanced Recovery Company , LLC. that they would not remove it as that is not something they do. I paid the bill two months ago and the original date XXXX gave me over the phone tonight was well over six years ago in XXXX so it is my understanding that the debt has expired long ago. I am not asking for money back I am just asking for this to not be on my credit as it should not have been able to go on in the XXXX place having been expired. This is something I hope to get resolved soon as the impact it is having on my credit is severe and preventing my family from buying our XXXX home.
I consulted with HUD counselor in XXXX 2015 regarding options to lower my mortgage payment. In XXXX I received a letter dated XXXX/XXXX/15 from Bank of America ; stating that XXXX XXXX would be my dedicated Customer Relationship Manager. I then received letter dated XXXX XXXX, 2015 congratulating me on being approved for Trial Period Plan, but I would have to return signed trial period plan and requested documents. I did not sign Trial Period Plan, nor did I submit requested documents, as I did not want to move forward with the modification or Trial Period Plan. In XXXX 2015 I spoke with XXXX XXXX directly ; letting her know that I did not want the modification, as is it would add time onto my mortgage. She stated, " it is already in the works ''. When I questioned how this was possible without my signature, she responded, " we assumed you wanted to move forward ''. I have continued paying my regular mortgage payments, yet there is a code on my account which delays the payment from being applied directly and results in reversals of late fees and unapplied funds. It appears my account is in the Trial Period Plan, although I did not sign or provide documentation requested to move forward with the modification trial period plan.
Having to do with the Equifax Data Breach -- Since the announcement of the breach, I have been receiving repeated and threatening aggressive solicitations for credit monitoring and protection services for a price varying from $ 10 monthly to $ 30 monthly from XXXX, XXXX, and others beginning now and continuing forever. 

While there is probably a need for this service due to the breach, why should every adult ( 143 million individuals ) in the United States be penalized between {$120.00} to {$360.00} per year because of Equifax 's negligence? 

I suggest that legislation be passed immediately or, failing that, a class action be filed by the US Attorney to at least cover these individual costs.
I have no relationship with Equifax, have not asked for their service, and see no reason why I or any other American be held accountable for their failing to protect data collected without my permission.
I am writing to you for help regarding my Credit Report with EQUIFAX. I am launching a complaint due to the fact that Equifax is not adhering to the FCRA Rules and Guidelines. Their reporting is inaccurate. They are reporting inaccurate information from data furnishers. They are not even trying to investigate the inaccuracies, and this is unfair to the consumer ( me ). I had a XXXX XXXX and XXXX and was hospitalize. During this time, I was staying with other people and my belongings were thrown in the trash by mistake, I was told. There are accounts reporting on my credit report that I know are not mine. Ive reported ID Theft and disputed accounts with all three Bureaus. XXXX and XXXX both have blocked and/or deleted accounts after their investigation. How is it that Equifax is coming up with a very different outcome? I have spoken with a few of the data furnishers and was told that its not coming from their end. I am asking for Equifax to now prove to me how they are investigating and their evidence that these accounts are mine. I want this proof for when I file suit in court for punitive damages and whatever else I can sue for. Right now, I am recovering and trying to find a job. With my current Credit History, I dont qualify with the type of job I can do at my age and with my health issues. The accounts in dispute are : XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, and XXXX. These accounts were opened around the same time ( XXXX ). I have tried to dispute this myself in XX/XX/XXXX, and I have paid for help from 2 other companies ; in XXXX and XXXXXX/XX/XXXX. Thank you in advance for any help you can give me.
My name is XXXX XXXX XXXX, and I mother originally start buying a house in XX/XX/XXXX, with XXXX XXXX, but around XX/XX/XXXX, P.H.H. Mortgage Scam Artists got on my mom credit reports and so we thought it was legal until, they had XXXX XXXX from XXXX, XXXX sent us a phony Summons, than it led to another Lawyer Scam Agency, after we went through the XXXX Attorney General. We still are living in my sister 's house because the " Privacy Act Laws, " were not there. The state of XXXX received {$45.00} XXXX  Dollars, and yet my mother and I have received anything about saying we can get back into our home or a Refund .... Thanks.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to Equifax, XXXX & XXXX. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent equifax my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!
The company below says I owe this and is threantening me to ruin my credit if i dont pay. 

XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/XXXX {$850.00} 1 Month {$850.00} Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX Collection Account Closed XX/XX/XXXX {$850.00} Unpaid MEDICAL Unpaid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Open XX/XX/XXXX {$850.00}
I sent an email to the actual creditor on X/XX/2017 I also contacted XXXX XXXX when they notified me via email that a credit inquiry was pulled for this company one day prior. I am not even sure why because I have a fraud alert on my credit report but they failed to contact me via phone to ask if it was me. Which is totally pointless in having a fraud alert. 

I did not give this company permission to pull my credit report.
My mortgage servicer is Ditech Financial LLC, and this is a complaint against them. 

I filed for XXXX bankruptcy approximately XXXX years ago and the bankruptcy was successfully XXXX in XX/XX/2015. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX XXXX XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than XXXX year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech XXXX TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.
I have XXXX separate loans through Sallie Mae since the year XXXX in attempts to get through tuition costs at my University. I have since graduated from my University with a XXXX and currently have a full time job. For a year after graduating ( in XXXX XXXX ) I was on a " graduate repayment plan '' which caused my payments to be lower and affordable. This XXXX my loan repayments have gone up to $ XXXX/month which I have called multiple ( 10+ ) times in attempts to get lowered as I currently do not make enough at my full time job to afford that much in student loans as well as all of my other bills. The people at Sallie Mae have given me and my cosigners the run around every time we call. I have even tried to explain my income and expenses and my cosigners tried to explain why they were unable to help me, but they did n't care. They 've been hassling myself and my cosigners with 3-6+ calls a day even though I paid {$220.00} out of the {$380.00} on my loans which is all I can afford. Their only " options '' for me are to either put my loans in forbearance which will put me right back in the same situation I am in now just a year later, or for my cosigners to pay what I can not to make my monthly payments be the entire amount. Regardless of the fact my cosigners are unable to help with the amount Sallie Mae is asking and should n't have to as I can make payments as long as the amount is lowered. I 'm willing to pay less for longer ( which ultimately results in higher interest payments from me, but it 's what I need to do at the moment ) and they said that was unacceptable and I did n't have an option in not paying the total amount they were asking unless I took forbearance. I 'm not trying to skip out on my payments, as I 'm currently still paying what I can and up until the payments got raised I was making every payment in full on time every month. But they refuse to work with me so I can have lower affordable payments and as a result, myself and my cosigners are getting harassed, I 'm getting threatened with collections and delinquency and the possibility of ruining not only my credit but the credit of my cosigners.
On XXXX/XXXX/2016 I discovered negative credit item and account number had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''
My ex husband bought a home in XXXX of 2013, using his VA loan. The bank he went through is called Freedom Mortgage. This house was bought in New York. I noticed the house has been put on my credit. I was no where on the loan agreement.
At the beginning of XX/XX/XXXX I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to credit cards and personal loans under my name from XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XX/XX/XXXX and XX/XX/XXXX removed the items immediately and after 30 days passed Equifax stated that the items are still under investigation and has done nothing. I then sent a second request to Equifax with no Investigation results. 60 days have long passed and I sent my third request to Equifax and again Equifax stated under investigation and has again done nothing which is why I decide to come here for help, please help me.
In XX/XX/XXXX, I became delinquent with a business credit card account with XXXX XXXX. XXXX XXXX reported my delinquency with the three major credit bureaus ( XXXX, Equifax, XXXX ). They also hired a collection agency to collect the debt. I reached a settlement agreement with the agency and paid the agreed amount in full per the contract. As soon as I paid the full settlement amount, that is when all my problems began. It has been a nightmare of process that is still ongoing and has severely hindered my ability to get credit and financing ... things that I rely on and need both personally and for my business. In short, as soon as the settlement was paid, all three bureaus reported incorrect dates on my personal reports essentially " re-aging '' my debt. The issue solely stems from the DOFD or " Date of First Delinquency ''. The correct date of the First Delinquency is XX/XX/XXXX. Currently, all three of the credit bureaus have different dates listed for that delinquency. The most damaging is XXXX, who has the First Delinquency date of XX/XX/XXXX. They also removed all the history of the XXXX XXXX account with an exception of one date ... that being XX/XX/XXXX. Please note that I personally contacted XXXX XXXX and they have CONFIRMED the First Date of Delinquency as XX/XX/XXXX. Now, after the confirmation with XXXX XXXX, I sent registered letters to all three bureaus TWICE to dispute the incorrect information. The first was in XX/XX/XXXX ( as soon as the saw the drastic change in my report and massive drop in my credit score ). All three bureaus responded with letters stating that the account was " updated ''. However, nothing was updated in all three reports. I then sent the SECOND set of registered letters to all three bureaus in XX/XX/XXXX stating the information I provided to them was verified by the creditor ( XXXX XXXX. Additionally, I asked them all to please tell me how they were able to " update '' or " verify '' the account. I also stated that because they all have the information incorrectly reported, even after my disputes, BY LAW and the FCRA, they must delete the entire account since they can not get it correct. Unfortunately, I received the SAME EXACT RESPONSES from ALL THREE OF THE BUREAUS with no change to my report. They just sent me generic letters with absolutely no answers whatsoever. As it stands today, my personal report is still incorrect and even more frustrating, all three bureaus have different information for the same XXXX XXXX account. The entire process has been a nightmare and has wrecked me both financially and mentally. I DO NOT know what to do at this point. I hope that the government will assist me in this matter.
After countless disputes to Transunion with no adequate results I have filed lawsuit now I am again extending an olive branch to the company by allowing them to rectify the situation and delete the Public Record off my credit report
On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking Transunion, XXXX and XXXX  credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
I had a credit card from XXXX XXXX ( credit provided by XXXX XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by Portfolio Collections claiming I owe XXXX for this same account in the amount of {$420.00}. I provided proof 3x ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that XXXX is saying it 's valid. But when I contacted XXXX they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.
I am disputing this medical debt that is not mine with local company, Carter-Young. I have tried reaching out to them s few times to resolve this situation. The last attempt to clear this misunderstanding was via mail requesting proof to show proof that this medical bill is mine. They responded via mail with a single patient ledger and nothing more. This is not my debt and I would like it removed from all three credit bureaus immediately.
I have contacted both   XXXX  ,  Lexis Nexis  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both  XXXX   Lexis Nexis , and  XXXX  that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the  USA?  This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.
My mortgage lender keep bouncing me from one servicer to another. I had to switch 4 times in less than 14 months. Every time there is a switch, had to signup with new servicer for auto debit processing. Also, during most recent switch, I got double charged for the same month ( XXXX ). Got an email saying that it happened in an error. Looks like there is no clear regulation on these kind of activities. Worst of all these things, customer service is no where to find.
XXXX XXXX did a hard inquiry on my credit report on XX/XX/. It appears someone used my information to attempt to open some sort of account. I do not have an account with XXXX and i would like evidence from this company to prove that my information was used. Proof of photo id, and I would also like to know how XXXX got my social security number. This is frightening as I also have a consumer fraud alert on my credit report.