WillisBack/dataset-financial-user-claim huggingface dataset:
Hi. I have disputed an authorized user account with Equifax credit reporting agency asking them to remove that account from my credit. And Equifax says that they can not remove an authorized user account from my credit file. The authorized account that shows in my credit report does not belong to me. Besides that there is a law in FCRA that says the authorized user accounts do not have to be reported in to consumers credit files. And Equifax do not cares about any federal laws. They just say " we have our own policy about our own company and we will do everything the way we think is good to do ''. 
They just refuse to remove an authorized user account from my credit report. It has been months I am asking Equifax to remove the account from my credit file. I have disputed that account for 3 times. I am sick and tired of disputing it. No changes so far. The authorized user account still reports in my credit file and it DOES NOT BELONG TO ME. 
Equifax is violating the FCRA law. 
XXXX  and XXXX XXXX have verified and removed that account from my credit file. 
But Equifax ... 
Please HELP!
I have used XXXX  multiple times before for loans and refinancing of them, all of which were paid in full. 

After refinancing a loan as I had previously done, I contacted XXXX   on the XX/XX/XXXX because I could see TWO loans on my credit report and I was receiving emails regarding a past due balance when I only had ONE loan. 

The XXXX  customer service rep advised the following ; Looking further into your question regarding the two loans that are showing up on your credit report it is showing due to you refinancing your loan is the reason it's reporting that at this time as soon as your loan is paid off it should reflect as only one loan. I continued to make payments and paid the balance in full on XX/XX/XXXX. 

When I log into my account it shows no payments are due and that the loan is paid in full. ( I can not make any payments online because there is no outstanding balance ) I have now received a XXXX in the mail on ( XX/XX/XXXX ) for a cancellation of debt. XXXX  have reported to the IRS that they have canceled {$1200.00} of debt. I have contacted XXXX   multiple times to resolve and am having XXXX cooperation. They said they conducted a thorough investigation ( yet provided no details of such ) and have said that their records are correct. 

I complained via the XXXX ( complaint ID XXXX ) and they have pointed me in the direction of www.consumerfinance.gov.
My Experian report contains several SSN variants that do NOT belong to me. I have one SSN which should appear on my report, a copy of which is attached. All other numbers must be removed as they are not mine and are causing adverse action in credit decisions affecting me. Only my VALID SSN should be listed on the report. All other information is INVALID and causing me financial harm. I attaching my drivers license to prove my address and a copy of my ORIGINAL and OFFICIAL SSN card.
Called spoke with XXXX in the Equifax internal consumer affairs dept.. Ask this young lady can I have my file released for 48-72 hrs so the bank can considered my application for a car loan due to the fact that my vehicle has just broke down on me. Now I have had several problems with this dept in the past concerning fraud alerts and other items concerning my credit report. This company went as far as telling me that they were not going to release my file for me to have some credit protection company look at it. Then I was told to give them my information to what company it is I am wanting to view my record at the time and their contact information. Now she is telling me to fill out a form XXXX that I filled out in XXXX 2017 and was told that I only need to fill this out once a year. I asked why do I need to fill this out again and she stated because they needed it. Well I told her I already filled this form out and what is the need for me to do it again for them to tell me they dont have it or it will take 48 hrs for them to receive. I asked to speak to a supervisor and she refused saying she was the highest level when in fact I know that XXXX is the supervisor over that area because thats who I ended up speaking to previously about this form that I sent several times. She refused again and I told her that she was denying my file to be release for me to get another means of transportation. I asked several times more to get to a supervisor and she still refused. Please help because I have asked for fraud alerts and my file to be removed from this dept because they are causing me more headache than the person that originally took my identity before. They are hurting more than helping.
During the year XX/XX/XXXX, I opened a Chase Premier Checking account with Chase Bank. I asked about safety deposit box and was told that, because I am a veteran of the US Armed Forces, I would receive a safety deposit box at no charge. This fact was supported on page 4 of 7 on the agreed upon contract, and there were no trial periods or " demo trials '' attached to that free deposit box. I was told, verbally and in writing, that the safety deposit box would be free of charge. I was, for five years, never charged a dime for that benefit. Approximately two months ago, I received a bill in the amount of {$57.00} for " box rental ''. I never received in any way, shape or form any notice of any policy changes. In fact, on the night of XX/XX/XXXX, I received a message from a Chase online account representative that Chase " will charge what we want, when we want, to whomever we want, without notice. '' This is a willful and blatant breach of contract, undoubtedly by a company that believes that vets are too XXXX to stand up for themselves.
Completed FHA XXXX refinance with appraisal in XXXX 2015 with CMG. Paid {$510.00} for appraisal all documents were correct at closing and all mortgage documents and FHA documents signed at closing reflect correct Mortgage Insurance Premium ( MIP ) of .0080 % for XXXX months. ( See attached docs ) CMG sold rights to loan before first payment due. After I made first payment I noticed that the servicer XXXX was deducting to much money from my escrow account for MIP. Contacted XXXX and they informed that the loan was closed with FHA as XXXX Refi without appraisal and the MIP was .0085 % for 30 years. I filed a complaint with the Comptroller of Currency as XXXX is regulated by them and they sent a resonse. ( see attached ) XXXX contacted CMG Financial because they caused the error. I recieved a letter from XXXX XXXX ( Vice-President of CMG ) ( see attached ). CMG offered to refund the excess for the life of the loan or refi at " no cost '' to correct the error. Upon research with the FHA the loan can not be corrected it would need to be refinance to correct the error. I spoke with the FHA and they said that refunding my money monthly was not allowed under their rules and I am not comfortable with that either because CMG no longer owns the rights to the loan and I have no guarantees if they become insolvent or are sold in the future that I will be refunded for 30 years. The FHA also said they require a " Tangible benefit '' to refinance my loan and I would have to agree to a new 30 year loan. I have already paid more than {$8300.00} in interest, MIP and UMIP on my current loan and do not want to lose that benefit because the loan company made an error. I agreed to a " no cost '' refinance into a 29 year conventional loan at the urging of XXXX VP. When the loan papers arrived for my signature they show that I must pay {$8500.00} to refinance. That is not a no cost loan so I contacted CMG and they stated that I would have to agree to pay or they would not refinance. CMG has left me with a defective loan and does not want to fix it because it is " too costly '' for them.
XXXX re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with Equifax ..., XXXX and XXXX deleted it ... equifax has not
I was at the airport and was approached by a XXXX Airlines representative who offered me a free club to earn airline points. He never mentioned a credit card application, credit card fees, or, in fact, the words " credit card '' at all. He asked several questions which I unfortunately answered. After answering several questions, I began to suspect that I was unknowingly applying for a credit card, so I stopped answering questions and said I did not want to apply for the card. He agreed to cancel the application and I thought he had, until XXXX weeks later when I received a credit card. 

I cancelled the card through Bank of America ( not the problem company ). When I cancelled the card, the Bank of America representative told me that the credit card has an annual fee. The fee was not disclosed by XXXX. She suggested that I call XXXX to complain. 

After calling XXXX and navigating a menu clearly designed to prevent contact with a person, I eventually reached soneone who told me I could n't talk to a manager because I had to complain with the airport staff. When I objected to this, I was told that I could submit a complaint through their website. When I asked if I would get a response to the complaint, I was told that I would get a website-generated confirmation that my complaint had been submitted, but I could not get an answer when I tried to find out if I would get a response from an actual person who had read the complaint. 

XXXX processed an application for credit in my name without my consent then did not allow me to speak with anyone to complain or to try to resolve the problem. I do not know if they are going to charge me the annual fee for the credit card for which I did not apply.
I submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.
This attorney named XXXX called my sister, spoke with her disclosing information about my debt and that they were taking legal action against me, then called her again and left a message seeing if she relayed the message to me. Then they called my brother, and he told them not to call again and hung up. They called him again recently and without confirming that they were speaking with who they called, disclosed information about my debt and about the legal action. They also implied that he was my husband. They called my Grandfather XXXX times and left messages. I called the number and left a message asking them to stop calling my relatives and that my attorney would be in touch with them. They continued to call my relatives. I called today and spoke with XXXX. He right away said he spoke with me XXXX days ago. I responded and said I had never spoken with him, only left a message. He was very unprofessional, and insisted that I did n't remember the conversation and that he spoke with me. I asked him what it was regarding and why he was harassing my family. He began yelling at me. I told him I felt this was a scam, and he yelled back at me that I am a scam by borrowing money and not repaying. He continued to yell, so I hung up. Something felt very wrong so I researched and found a law office that deals with harassing collectors. This attorney asked me what happened and for the collectors phone number. He called it and called me back saying he felt it was a scam because it was a mobile number and they did not answer stating the office they 're from and that it was an attempt to collect a debt. He then said he would call them via a conference call. He told me to ask this XXXX for a written letter with the companies letterhead stating the amount of debt owed, and told me he would end the call if he felt XXXX would not comply. So he called on XXXX way. XXXX answered asking if this was XXXX because that name showed up on his caller ID. I said " no this is XXXX calling you back ''. I then asked him for the letter, and he asked why I needed a letter. He stated they already sent out a demand with a lawsuit to my old address. I asked if they could resend that. He continued to ask why. I said I want an address to send payment to. He said they do n't accept mailed payments. He repeatedly asked me for my address but would not confirm sending a letter. He said I could pay over the phone only, and that 's when my attorney ended the call. My attorney advised me to report this collector as well as the company I borrowed from. He also assured me that they could not come after me and just to block the collector, and they will eventually move on.
Currently I have a loan with Wells Fargo; I have asked many times to lower my interest rate since my ability to pay has gotten more reliable.I also asked my Dad to be removed as XXXX I have imposed a burden on him for far too long and I stand on my own 2 feet.  I am now married with XXXX kids and a house; my ability to pay  should not be in question.A lower fixed interest rate would help me and my family immensely.Thank You
This company is accusing me of this unknown debt. I feel like they are trying to say this debt is mine without investigating properly. I have never lived at the address that this debt has come from. The only addresses I 've ever lived at are the ones on my credit report. I never claimed this debt was mine. I simply stated that if you are saying that this debt belongs to two people then it should be split in half, because two people ca n't owe the same amount on one debt. I also noticed that this company stated that the debt occurred in XXXX, but my credit report is stating that the open date is XX/XX/XXXX which means that y'all are n't even sure when this debt occurred. I ask that this debt be properly investigated or REMOVED from my credit report. I have never even been a resident at this place. I have lived in Louisiana since the day I was born. This company claims that I never sent them proof of my residence for XXXX, but I was never asked to provide any proof of residence. This company is doing all that they can to accuse me of this debt. If this matter is handled properly, then I will be filing a complaint with the Federal Trade Commission. This debt is not mine and should n't be on my credit reports.
I went to the hospital and signed in, however, I left before I could be seen by someone. They sent me a bill for {$760.00} and I called and disputed the bill because I was being charged for service not rendered. Item was placed in collections XX/XX/2018, the original creditor was XXXX XXXX. I left before being seen because I was told I may need an XXXX when I get to the back and I was trying to conceive so I told them I would just come back if the pain got worse. When I received the bill I called and disputed the charges and after speaking with a few different people I was finally told the bill would be removed. Now the bill is on my credit in the same amount of {$760.00}.
This is complaint number 2 about the same issue and how they handled it. BBVA Compass bank reorders transactions to charge multiple fees on one overdraft. I was charged FIVE overdraft fees for one legitimate overdraft and I have screenshots of the original order because I suspected this would happen. The rest were pending transactions where the money had already been removed from the account and therefore not an overdraft. I am so absolutely disgusted with this bank they need to be investigated and closed. I now can not even afford to buy food once again thanks to their business practices. Customer service 's only response is the " fees are valid '' no matter who you talk to. They are trained to NEVER refund fees according to ex employees. Last time they did this I filed a complaint and the fees were reversed, this time they stalled the investigation process for 60 days and they're once again telling me the fees are valid even with the CFPB complaint and the previous fees were refunded as a " courtesy ''. A courtesy for stealing your customers money to begin with??? Why is this bank still allowed to do this when all the others were forced to stop? It's a trick every bank used to use. Please stop them!
XXXX SOUTH DAKOTA N. was placed on my credit report XX/XX/2018 Erroneous reporting, violation of FCRA, FDCPA and failure to validate account before reporting to credit bureaus. This is a violation of my rights under the FCRA, and the violation of their requirements under the FDCPA because they still are reporting this account WITHOUT validation.
I have disputed and tried to validate this debt with XXXX XXXX several times. The information continues to return as verified with the credit reporting agencies. XXXX has sent a package of phone bills, but they have not sent any validating information of the account balance, date of last payment, and close date. They are reporting to XXXX that the close date is XX/XX/XXXX, however they state that the date of last payment is XX/XX/XXXX, no other payment history. I have asked XXXX to validate this debt, however they were only able to provide me with some billing statement. I believe this account is reporting inaccurate.
On XX/XX/2016 a balance of {$13000.00} appeared on my XXXX Credit report. I am challenging XXXX to verify this account Per ( Section 609 Of The Fair Credit Reporting Act ) This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting.This section of the FRCA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation ( Whatever I filled out and signed upon opening the account with the reporting creditor.
I have an SUBSIDIZED loan that is been charge interest on, I believe that reason that this particular loan is SUBSIDIZED so I don't have to pay interest.
The company did not respond to my complaint. I have forwarded the response from the company and my response below. This is under the 180 days and I want it removed. 

seems this " complaint '' was filed prematurely as the consumer probably should have contacted insurance FIRST before filing a complaint. This consumer was sent numerous billing statements prior to being referred to our office for collections. Our office sent the debtor two written correspondences prior to reporting this to a credit reporting agency.Based on the accounts in collections, these debts appear to all be balances after insurance, such as a copayment, coinsurance or deductible.
A company called Capio Partners is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$370.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit asking that they remove results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter.
I was contacted on behalf of XXXX by ARS National Service to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to XXXX and not ARS National Service. I had ARS specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of ARS National Service '. I still have not received confirmation from XXXX that my balance was settled and paid in full with them.
I had a loan from Chase, from XXXX to XXXX, with an amount of {$15000.00}. This loan was paid off and I have bank letter confirming that. ( Loan number XXXX ). 

I worked on sell my property and closing date was set on XX/XX/XXXX. Title company search found that this loan is still bonded to my property. I sent bank letter stating loan was paid off to title company and started to request lien release from Chase on XX/XX/XXXX, I got a case number from Chase Lien Release Customer Research-XXXX. Title company only needs to see lien release paperwork from Chase so that closing can proceed last week, but Chase insist that it will take time to complete its own research despite its staff agreed that this loaned was fully paid off. 

When I search online, there are over 2200 complaints ( 1806+473 ) online about mortgage service from Chase , I will attach screenshot. Its escalation office seems busy in handling similar case, which indicate this problem is wide-spread. I like federal agency to know about this. Bank should process lien release 10 years ago as soon as loan was paid off. Who knows whether or not the lien release paper was sent out to county office. Only federal office has its authority to ask them to show evidences, the bank will not show evidence to individual consumer. Bank may be negligent in  processing lien release and put pressure on consumer instead.
This is for XXXX XXXX XXXX, I paid this off I spoke with a XXXX from XXXX XXXX XXXX she also agreed I do not owe this money she has tried to get it taken off. her number is XXXX I sent a copy of my o balance to XXXX XXXX at AR Resources XXXX fax XXXX sent this fax XX/XX/XXXX I have been trying to get this off since XX/XX/XXXX, This is affected my score. I really want this off. I do not owe them. I can send a fax to show you the XXXX balance.
I am having financial difficulties and XXXX XXXX XXXX continuously calls my cell and work phone. I have asked that they not call my place of employment because we are n't allowed personal calls and the calls are recorded, but they continue to call.
Under Oklahoma law I am eligible for a EPP ( extended payment plan ) for my payday loan with Speedy Cash. ( My bank is XXXX ) Speedy Cash refused an EPP because they said even though Oklahoma XXXX allows unlimited EPP 's their company policy only allows one per year. So, I asked them to hold my loan a week and they refused that as well. The representative advised me to stop payment on the loan then make a payment plan ... .can you imagine?? I 've never stopped payment on anything in my life. If Speedy Cash is n't going to follow Oklahoma Law they should n't be able to operate in the state of Oklahoma.