WillisBack/dataset-financial-user-claim huggingface dataset:
equifax is reporting a debt that is fraudulent. i contacted XXXX XXXX bank of which they said they have no record of my information. i want this negative item removed.
This is in rebuttal to response from original complaint # XXXX. 
First off, I find it offensive and insulting that in the response to my original complaint, you essentially call me a liar as indicated by ( and I quote ) '' Mr. XXXX mentioned that he believed this was used by an " unauthorized user '' and also that " it seems unlikely that an unauthorized user would continue to pay on the account '' .You see, unlike you, it is not what I speculate or guess to be, it is instead, what I know. It seems to me that your respondent must truly feel a high degree of certainty that he/she is correct. When in fact, I can assure you, that you do not know my personal circumstances and what events have caused this debt to be what it is. Stick to the facts and the facts are this - you still have not complied with my request for itemized charges, signatures and dates of purchase so that I may differentiate charges that I know to be mine and then those that are unauthorized. Did it ever occur to you people that the unauthorized user may be somebody close to me and that knew me intimately and also knew how to make payments enough to avoid detection? Or maybe, I kept paying the monthly bill not paying close attention to the increasing amount? At any rate, you seem to have it all figured out..except for the part where you comply with my request to simply get itemized charges and dates. 
I find it aggravating and frustrating that after repeated attempts, I still am not getting what I have repeatedly requested. In fact, it seems now to have become a game and a personal attack on me. Why do n't you people simply provide what I have asked for and quit playing your little games. 
Again and again and again ... XXXX, I do not dispute that the account is mine. I simply want documentation of itemized charges and the dates of purchase. Why do I want these? I want these because in order for me to submit a police report or affidavit, I need these to show the facts. Can I be any clearer? 
Also in closing, your response states that you included documents to support your response which include a debt validation letter, a credit card application and lastly, billing statements. TO WHOM, I DID NOT GET ANYTHING? In fact, what good do any of these do for me anyway? I already said that I acknowledge being the owner of the account. The statements do n't show itemized charges and dates of purchase. 
DO YOU KNOW THAT NOT ONCE HAS THERE BEEN ANY ATTEMPT TO PUT ME IN TOUCH WITH YOUR FRAUD UNIT OR REQUEST A FRAUD AFFIDAVIT FROM ME. I have had to do this with a few other situations on my credit and they kindly listen to me, acknowledge my situation and give me advice and directions on how to obtain the information I am looking for. And do you know that as a result of this, they have acknowledged the unauthorized use on these accounts and have since remedied the situation. BUT NOT YOU! I ca n't even get detailed information from you and then on top of it, you make judgements and attack me personally. 
I 'm giving you one last opportunity to give me the information I am requesting or I will take legal action against your firm. Hopefully, this is something you can understand?
I am a customer of Toyota Financial and currently have a loan opened in XX/XX/XXXX. I work for XXXX XXXX and the company is going under payroll changes to accommodate an integration between the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and those current changes are directly affecting my financial situation. 
On XX/XX/XXXX I received a letter from XXXX XXXX advising that due to the transition process, the XX/XX/XXXX paycheck would be affected and not paid to it's employees and the company offered an optional " bridge loan '', which would cover 25 hours of pay and repayment would start on our paycheck for XX/XX/XXXX for every pay cycle in ten installments, which on my case, I am paid on the XXXX and XXXX of each month and those twice a month repayments affected me directly for five months. That impacted my entire household financial responsibilities, including my car payments with Toyota Financial, and I started to accrue high late fees. 
On XXXX XXXX I received a second letter from XXXX informing that due to more changes on their payroll system, I will receive one less paycheck in XX/XX/XXXX, a total of 23 instead of 24 paychecks. 
As of today ( XX/XX/XXXX ), I have accrued {$190.00} in late fees with XXXX XXXX due to the changes on my payroll and current financial situation directly affected by my employment. I am also 3-days behind on my payments since XX/XX/XXXX. 
I contacted Toyota Financial Services on XX/XX/XXXX and requested an payment extension on my loan to help me to catch up with my payments while I am still dealing with my company 's payroll changes and gaps on pay, and spoke with XXXX, who introduced herself as a supervisor. I explained my unique situation and asked if I could get an extension on my loan and she simply told me that extension was not possible due to a past extension. 
I am sending this request to the CFPB to request some assistance on dealing with Toyota Financial Services to ask for a review on my current payment situation and a possible loan extension, since Toyota Financial Services is not reviewing my account and request based on my individual situation. I am including copies of all documentation for review.
I am filing this complaint against All XXXX bureaus : transunion, XXXX, and XXXX. I pulled my free annual credit reports and they were all high. However, when I went to get a car loan the reports they claimed they saw from transunion was not as high, and I did not qualify for the 0 % interest loan that I should have. The lender says the free reports we get from the credit bureaus are not the same reports they have access to. This means all XXXX credit bureaus are in violation of providing accurate free credit reports to consumers yearly. They are providing different reports, they are not providing accurate information. This cost me money and the government needs to hold them accountable.
IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.
I keep receiving a bill for XXXX from North Americian Credit which I do not owe. I also found out they are not allowed to do business in the State of Georgia. I have talked to them and to no prevail.
I made a purchase for    XXXX   XXXX    concert tickets online with   XXXX   XXXX    fo r  XXXX  back in   XX/XX/XXXX  on my  chase debit card. Chase closed my account in   XX/XX/XXXX .    XXXX   XXXX   notified me on   XX/XX/XXXX  by e mail that the concert was canceled and a refund was issued of  XXXX  to the card it card charged on. I called chase bank about this on   XX/XX/XXXX  and  XX/XX/XXXX  and they  act like they have not received those funds I have proof from   XXXX   XXXX   of the return transaction so why have n't chase cut me a check or return the refund to vivid seats. Chase bank is a fraud they held on to ov  er 5,000 of my m on ey for three weeks when they canceled my account  in  XX/XX/XXXX  talking  about suspicious activity.
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$160.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company responded to my first letter by sending me a false document that looks like a bill, this document didn't bear my signature and furthermore didn't reflect that I had a contract with this company or their alleged client. Unsatisfied with the first letter, I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my 2nd letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have received nothing from this company and they continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.
Citibank opened a credit card that I did not order & refuse to close it.   And now are sending charges.    XXXX   XXXX
Went to Santander to inquire about IRA CD rates, met with a bank rep. She gave me a favorable rates and I wanted to move my IRA to santander CD IRA. The branch manager then instructed me to go to my other institution ( XXXX XXXX ) which was XXXX XXXX XXXX, and I took the check from XXXX XXXX and brought it to santander on the same day and made the deposit into their CD IRA. I then had XXXX more CD IRAs mature XXXX XXXX XXXX XXXX and XXXX XXXX XXXX these were at citizen bank. I went back to santander and sat with the bank rep. Went over the rates with me again found a good rate and again the bank rep instructed me to go to the other bank and bring the check to deposit into the new IRA CD. I did this once on XXXX XXXX same day as the maturity and withdrawal and the XXXX in XXXX XXXX again same day of the maturity and withdrawal. I was later then contacted by the back office IRA team of santander stating there was a problem, telling me that what i did was going to create a penalty because of a new IRS rule saying that i can do only XXXX rollover per year. I explained that this is what i was instructed to do by the bank rep, and that the withdrawal and deposits were made on the same day. They claimed this was my problem and my responsability to know the rules and that i would be penalized at the end of the year by the IRS for doing too many rollovers in a one year period. They are unwilling to help fix the situation and not claiming any responsability for the advice they gave me.
I have disputed the incorrect information that Equifax is purposely continuing to report negatively on my credit reports, stopping me from being to buy a home. Because Equifax is still reporting the closed accounts in which I have paid in full they are still reporting 120 days which has dropped my credit score 50 points. These student loans are closed and paid in full. I have spoke to the original debtors and they told me that they have not reported in over a year since the accounts were paid, so it is Equifax who is the ones reporting negative information.
I applied for a new service with XXXX on XXXX XXXX, 2016. I requested that they not pull my credit report, and that I would pay the {$100.00} security deposit to forego the credit check. I have the receipt from XXXX. They still pulled my credit report without my permission. I disputed this information with Equifax, and I was denied because they said hard inquiries are " factual data '' and there is nothing that can be done on their end. I initiated a ticket with XXXX at the end of XXXX, and was assured it would be removed. Ticket # XXXX. I called XXXX XXXX for an update and they said someone was taking care of it from collections and would call me within 24 hours to confirm everything was taken care of. It is now XXXX XXXX and nothing has changed. I called XXXX XXXX, and no one knows why the ticket was closed, and can not provide information as to why the hard inquiry is still on my report. I have the receipt of {$100.00} to show proof of my deposit. XXXX can not access my credit report without my permission. Can I sue under the FCRA? There has to be protection for the consumer. This is ridiculous. I 've wasted more time, and my privacy was violated.
SWC Systems state that I owe their client XXXX {$490.00}. Instead, they 've reported an amount of {$490.00} to the CRA 's, which means they 've misstated the balance due and trying to collect more than the alleged amount. This is a FCRA and FDCPA violation. 

Sincerely, XXXX XXXX
I sent a payment to pay off my daughters XXXX loan XXXX via Bill Pay ( direct from my bank with notes to apply to this loan only ) Navient applied it to all XXXX loans ( She also has XXXX Signature student loans with Navient ) so most of the funds went to interest payment!
I recently notified Mercedes Benz Financial Services that they had not updated my balance with the credit reporting agencies in months. They responded to my email and stated that they would update my credit reports to reflect my current balance. Today, I checked my credit reports and Mercedes Benz Financial Services updated my credit reports to reflect that my CURRENT balance was {$53000.00} which is higher than what I even purchased the car for. I have made all payments on time and my correct current balance is a little over {$49000.00}. After MBFS updated my credit reports with this incorrect balance of {$53000.00} my credit scores dropped as much as XXXX points. I called MBFS and the agent did not understand what I was complaining about. He was very rude and condescending. It is apparent that MBFS simply does not care. 
How it is possible that the balance MBFS reported in XXXX 2016 is {$50000.00} and in XXXX 2016 it is {$53000.00} with perfect on-time payments? Please see attached report from XXXX reflecting this.
I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.    XXXX   XXXX   XXXX  Date Filed  XX/XX/2017    Type Credit Unions 2.  XXXX  Date Filed   XXXX   Type Mortgage Reporters  3.   EQUIFAX  MORTGAGE SERVI  Date Filed  XX/XX/2017    Type Mortgage Reporters
I've sent certified letters to the company listed below asking that they vaildated the debit that they say I owe as of this day I have yet to recieve anything from the debit collector.
I bought a car financed thru a company that will not refiance to lower the payment what do I do. it was thru XXXX finanacial people should be ware
Since XX/XX/XXXX XXXX is no longer involvement with my loan, now in XX/XX/XXXX XXXX transfer my loan to PennyMac Loan Services. I want to know who is my bank, also I need the Holders of the note in date courses for XXXX and PennyMac loan services.
And notorarize all the documents with perjury of witness signed.
On XX/XX/2018 I sent a letters to Experian and XXXX   disputing the following items XXXX XXXX XXXX for {$860.00}, XXXX XXXX XXXX for {$550.00}, XXXX XXXX XXXX for {$6400.00} advising that I have no knowledge of the debits. In my letter I stated I was requesting a signed confirmation with my signature that I opened the referenced accounts. Under the Fair Credit Reporting Act, 15 U. S. C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file at the time of the request concerning all the accounts that are reported on my credit report. I saw where they removed XXXX XXXX XXXX from my report and then they added it back to my report. As of XX/XX/18 no one has notified me about my dispute or submitted any documents to me with my signed signature for all three referenced accounts. I am requesting that all three accounts be removed from my credit report immediately by publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness. I am attaching a signed copy of the letters that was submitted to Experian and XXXX.
Inquires are inaccurately appearing on my Transunion credit report and Transunion will not verify/investigate/remove them. The following inquires on my credit report were not authorized and I would like them removed. 

XXXX/XXXX -XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX
I have had a mortgage loan with Sun Trust Mortgage for almost 10 years. In that 10 year period I was late only once with my payment. My interest rate is 6.8 % and I have tried twice to refinance with Sun Trust at a much lower rate. Both times I was told I did not qualify. I find it ironic that I do n't qualify when I have been making my payment on time for 10 years. I also have had credit cards with Sun Trust for years and I have never just made a minimum payment or been late. I have always been in good standing. 
Is there anything that can be done to lower my interest rate with Sun Trust? I have also been told by Sun Trust and XXXX XXXX that due to the fact that I have a conventional loan not connected to XXXX that I do not qualify for HARP. 
Thank you for any advise or help you may be able to give me.
There has been an incorrect removal of numerous trade-lines, causing damage to my credit rating. Given the significant weight given by the CRAs in calculating ones ' credit score, the unauthorized deletion of decades of positive trade lines is a gross violation of fair credit reporting practices, to say the least, and actionable by the injured consumer. it seems shockingly inappropriate that the entities charged with a fiduciary duty in collecting and managing the public utilization of credit resources, are able to so negligently permit this to occur, without any mechanism of prevention, to insure accuracy and integrity of the credit reporting function.
On Wednesday XXXX XXXX 2015 money has Been missing off my pre paid rush card my money came on my card around XXXX and ask soon ask i when to check my account i saw a transaction of XXXX dollars i didnt make. I really need that money a back on my card
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX  report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX DATE : XX/XX/2015
I am no longer in school and paying a student loan from XXXX XXXX which is now known as Navient. They are providing incorrect information on my credit report which is leaving me in limbo from purchasing my XXXX home. I agreed to their terms of payment and paid on time. I have asked for documentation regarding the loan and updating my report. They said they will not provide any information. This issue is only on XXXX credit report and I need help getting it resolved. I submitted a dispute with XXXX and am waiting to here from them. Is there anything legally to do?
Using the Capital One website, my credit card that I have been using for years was closed by mistake. I immediately called Capital One to correct the issue and reopen the account. The customer service rep stated that this would not be an issue, and forwarded the issue to the team that investigates these issues. Soon after, I got a reply that they would not reopen the account.
I purchased a lease through XXXX and paid off the lease before the end of my lease in full. I decided to turn the lease into XXXX early considering it was paid off in full and I was charged an early termination of the lease in an excessive amount of $ XXXX and now show a balance saying I owe an additional amount of {$480.00}. I feel this is not fair considering the lease was paid off and i had a credit balance of over 5k when the lease was returned and XXXX charged my account this excessive early lease termination on a lease that was paid in full and I feel, I should not have been charged that amount
Equifax had a data breach, and waited months before making consumers aware of it. They created a bogus site to see if you were affected that is n't even on one of Equifax 's subdomains, and tried to sneak in a non-arbitration clause when signing up for their 90-day credit monitoring.
On XXXX/17 I payed in full the {$180.00} owed. I have contacted them several times asking when it would be removed from my credit report, they stated 30 days however it is now going on 36 days and still has not been removed. I spoke to a 'supervisor ' and was informed that it will be removed the first week in XXXX. Why do I have to wait this long for it to be removed if I have paid in full and settled it over 30 days ago?
I had a collection acct removed off my report that was not mine the company that reported it put it in the wrong person 's credit report. The acct was not in my name nor was it attached to my ss # number. I had this removed from my report back in   XXXX   XXXX   2017. The credit bureaus put a fraud frezze on my report without my consent. Then in   XXXX   XXXX   I applied for a home loan and   XXXX   was unable to pull my Equifax report due to a fraud alert. I called   XXXX   XXXX   and had them remove it. Since then  XXXX  has tried to pull my credit  XXXX  times for a mortgage and  XXXX  and  XXXX  pull forward and Equifax still will not pull forward. I have made over 42 phone calls faxed several documents as well as the bank and  XXXX  the Thrid party company has contacted Equifax. We are getting no where everyone keeps telling us there is no block. But my report continues to say blocked from Equifax. This has put a tremendous hardship on my life I 'm unable to get my home and now have no home to live in. I 'm living in my fifth wheel due to us not getting our home loan. This is unfair and has put me in the hospital once for chest pains. I need this fixed and right away I do n't know how to get it resolved so I have filed a complaint here the attorney Generals office and the better business bureau and I feel i need a attorney and sue for stress and hardship and health issues this is causing as well as my family is basically  XXXX  due to this credit bureau blocking my report without my permission Thank you
Navient was completely unresponsive to my messages and calls regarding payment option. I tried to see if a modification or option to pause my loan was available and they simply said no. If you do n't pay it will mess up your payments history. No alternative options are available. This company was horrid to deal with.