WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted Wells Fargo informing them that I received a copy of my credit report and noticed some unauthorized inquiries made twice for the dates of XX/XX/XXXX and twice on XX/XX/XXXX total of four inquiries all together ... CSR then informed me to fax a letter over to the Credit Bureau Inquiry Department fax XXXX Case number XXXX. I faxed the information requested on XX/XX/XXXX and still haven't been resolved.
I received phone call about this debt in XX/XX/2018, I told them I did not know anything about this debt. then I received a letter week later .I called their phone number no response I believe this to be nothing but harassment. I do not have any account with XXXX XXXX and no account with them. a year ago hey sent a chair to my door that I did not order I never accepted the box as I never ordered anything I called XXXX XXXX who I thought may have sent it they said they did not, the box remained outside of my apartment door and the next morning it was gone I called my resident managers office to find out why they allowed XXXX to put the box at my door and they said they were never notified that I had a box or package. 
In their letter they want me to write them and I don't know why I should take time to write them if they will not answer their phone.this XXXX XXXX is a fraud operation trying to steal money from people like me through trickery and deceitful methods
30 days late assesd to account ( car was refinanced ] XXXX/XXXX/15 ccheck XXXX check XXXX payment XXXX file closed
I have written to the  XXXX  credit reporting agencies also   XXXX   XXXX   about having this account removed. It has not been verified with the first round of disputes. All I get back is a generic response that it is valid with no verifiable letters. My credit reports have this listed as charge offs and it needs to be removed from my account. My second round of disputes went out and I still have not received anything from them
I was contacted at my work number by a man name XXXX XXXX, ( legal name XXXX XXXX XXXX ) working for Nationwide Debt Management. He started off the conversation by not announcing who he was or why he was calling, just that he was looking for a program coordinator and/or the highest person he could get to that worked for my agency. When I asked what it was regarding he said I need to get information about `` XXXX '' ( my maiden name ). At which point I said, well you are speaking to her what can I help you with. That's when the rant started about how I am XXXX  and I owe him money and I need to pay up. That he was going to call the surgeons company I worked for and sue them, take me to court. Call my boss ( XXXX ), and get my information to provide to the court system to garnish my wages. Told me I had plenty of time to take care of this and now because I refuse to make a payment arrangement with him on the phone he is going to take me for everything I am worth and garnish everything. I asked him to stop threatening me and he stated : " I am not threatening you, I'm making you accountable for not paying for more than 2 years on a debt you own and if you don't I will take you to court and sue you for the money. '' At this point I told him I would take down his information and give him a call back when I was in a more private area and he stated : " I know you are not going to call me back because you don't answer your phone calls and you don't pay your bills so why would you call me back. '' I stated to him, well if he wasn't so rude maybe this conversation would go a lot longer, but at any rate give me the phone number. I sat in silence. He then stated ya know the least you could do is acknowledge when I talk to you because a normal human being would do so. I stated : please give me your phone number. He stated : Why, you're not going to call me back, you can't just take care of this now? I then asked for his supervisor. He stated : His name is XXXX XXXX with a XXXX degree. I said and what is your name? He said XXXX XXXX with a XXXX  degree. I said that has nothing to do with anything may I speak to your supervisor. He again stated : I have a XXXX degree, that's right, a XXXX degree and you have nothing and you need to pay your debt. I said ya know what, put someone else on the phone because I'm done talking to you. He said I will give you to XXXX  and she can set up a payment arrangement with you. I said fine and he transferred me to XXXX, whose customer service was better but unwilling to work with me to set up a payment plan. I asked XXXX  to have a supervisor call me and she brushed me off. Then when I told her what I could afford and what I was wiling to do, she told me it was not good enough and that she was going to go after my husband. I said I'll do you one better, and put him on the phone. He and she worked out a payment plan and I still have not heard from any supervisor of XXXX XXXX XXXX.
I sent in a copy of my social security, my utilities bill & drivers license, I have constantly disputed the incorrect addresses on my account, the company has yet to get back to me.
Good afternoon CFPB, thank you for taking time to review my complaint. My complaint arises from my credit report. As I have progressed in my age and career I have made it a point to also by mindful of my credit. Likewise, several months ago I noticed that one of my three major credit scores seemed much lower than the other two. The credit agency reporting the substantially lower credit score ( difference of around 50 points ) was Equifax. When I looked into what was causing my Equifax score to be so low I noticed Equifax we reporting a collection item that had previously been removed from all three credit agencies ( a separate incident ). For some reason Equifax has now placed this collection item back on my credit report with them. The collection item in question originated from a local cable provider " XXXX XXXX '' but was sold off to a collections agency. As previously stated this collection item was erroneous and was subsequently removed. I contacted Equifax on XX/XX/XXXX and went through the claim submission process. Since then they keep sending emails that contain the " outcome '' of my claim however I am never able to log in and view the " outcome '' of the claim because the log in credentials are questions you must answer based on information Equifax has gathered on you. I can never log in because the " information '' they ask is not correct, so I can never get in to view what happened with my claim. This, coupled with the fact that my Equifax credit score is still substantially lower than the other two ( XXXX & XXXX ) leads be to believe Equifax is not fulfilling their due diligence in amending my credit score/reporting. The Confirmation number I am given from Equifax for the " results '' of my claim is # XXXX
The debt was originally created by an alarm system company called XXXX. I signed up with them while I in XXXX, NC because I am a XXXX. I had to leave the area and I no longer needed their services. They made the process incredibly hard, but I did everything they asked including sending in a letter stating I wanted to end my contract. I found out a few months afterwards that they were continuing to charge my account, and the only way I could get them to stop was to cut off and change my debit card. Spoke with them again and that did nothing, they continued to charge my account until it reached XXXX dollars that I did not authorize. They sold the collection to perfection collection who refuses to remove the debt from my credit report despite numerous fillings through experian stating the debt was illegally charged to my account.
There was a change on my credit report with a company " lobel financial '' the account was showing as a closed account and started reporting current with a balance increase after years of no change. I contacted lobel and asked to please send me an itemized bill and advised them that I did not receive documents for the sale of vehicle at the end of XX/XX/XXXX. When I called they forward me to legal department and I spoke legal rep names XXXX. XXXX stated that this was turned over to a collection agency and I needed to call XXXX. When I called the number on a separate line is disconnected. I advised XXXX that and also told her it does not show a collection agency on my credit report. She said she doesnt know what to tell me. When I asked her why it was thousands more from the original loan amount and even after sale of a car and she said legal fees. I asked her what legal fees and she claimed for the attorney. Advised that there is no judgement so what did the attorney do and she refused to answer. She tried to give me a break down of the charges and amounts but what she told me was over XXXX less then what was being reported. I told her to please send me the documentation and she refused to take my address. I tried to give her my new address multiple times and she said she would not send me anything and hung up on me. I did contact XXXX after and advised them that lobel has refused to take my address. They were able to take my address and said will contact lobel directly to have them send me the documents that I legally have a right to. I also mailed and sent my request to lobel on XX/XX/2018 advising if they are unable to provide me with the documentation verify the debt and amount owed to remove this from my credit report. I still have not received in proof that this debt is owed. After the sale of the vehicle the balance should only reflect XXXX. What lobel is doing and how they treat consumers is completely unjust. As of today lobel has not removed this from my credit DESPITE me requesting documentation and writing a letter of dispute with no response. In fact the balance continues increase every month on my credit.
This is an improper mailing of court documents issue. The Debt collector physically served legal documents without an envelope to third parties on XX/XX/2019. All of my information was exposed to everyone who handled the documents, the person who was physically given the documents and everyone in their household as well
OnXX/XX/XXXX, I submitted an electronic request to TransUnion for investigation into file number XXXX - an account which I have no knowledge of. I received a response that there was an error in the investigation and that if I received an error, I should submit a request for investigation in writing. 

On XX/XX/XXXX, I submitted a request in writing for review of this file. Instead of sending an investigation response to me, they responded with a copy of my credit report. 

I believe TransUnion is intentionally failing to investigate this account because they know it to be incorrect.
My Husband who was my boyfriend at the time was XXXX XXXX XXXX XXXX  and XXXX   XX/XX/2016 and had XXXX. He needed assistance for XXXX XXXX, etc and could not be left alone. I lost my job to take care of him and help him with at home therapy. After becoming behind in payments with XXXX XXXX   I informed company I was no longer employed but wanted to pay and keep vehicle. But they wouldn't wait so had no choice but to let them come and get vehicle back. They repo truck i believe XXXX, and I became employed end of XXXX maybe beginning of XXXX. I was told i only owed around {$500.00} to keep vehicle from being repo. By then I had to get another vehicle to continue working so then i could not afford rent & bills, healthcare, new car payment and etc. They wouldnt wait and {$500.00} is what got my vehicle repo now the statement on the account shows sent to collections and the amount is different. It is negatively impacting my credit and keeping me from getting a home/mortgage.
XXXX XXXX on behalf of First Data Global Leasing made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, XXXX XXXX still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.
I have a hard inquiry on my Equifax from XXXX on XX/XX/16. I was not asked permission for XXXX XXXX XXXX or XXXX to run a credit check on me, they also did not disclose that they were going to run the credit check to me. I was an existing customer with XXXX XXXX XXXX during this time seeking a discount. During my conversation with the retention department representative he recommended that I switch my TV to XXXX and keep my internet on XXXX XXXX XXXX to save more on my monthly bill. During this conversation I was told they needed my social security number for " security reasons ''. I remember specifically asking if they were going to run a credit check on me to which the representative replied " no, they won't ''. After I viewed the hard injury on my report I promptly called XXXX XXXX XXXX and XXXX to remove it. After several phone calls and confusion from the XXXX XXXX XXXX and XXXX staff they referred me to their legal team address to mail a physical letter. I then sent a detailed letter to their legal team address explaining what happened and politely asked them to remove it. Its been nearly two years since I sent the letter and I have not received a response or had the hard inquiry removed by XXXX.
I opened a Nordstrom card on XX/XX/XXXX16 because the customer service agent at the store said, repeatedly, that I would receive a {$20.00} statement credit as well as a {$20.00} certificate to be used for a later purchase. My husband heard her say this multiple times as well. I did not receive the statement credit, so I contacted their online customer service and was told " sorry, the agent who told you that was incorrect. '' I said that was not acceptable and that I had been given fraudulent information to open the account ( which I would not have opened if not for the supposed promotion of {$40.00} credit in total ) and the response was to give me the credit, but take away the certificate, so in essence still the same {$20.00} value - half of what I was told multiple times I would receive when opening the account. The sales rep who encouraged me to open the account was very persistent and was clearly getting some kind of bonus for signing me up as she announced it very loudly to her colleagues and also placed a phone call to let someone else know she was signing up a new customer. It is obvious that she is receiving a financial incentive for signing people up, and in my case used false information in order to get me to open up an account.
CACH LLC has default judgment against me for a XXXX XXXX Credit Card debt. I was XXXX served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for XXXX XXXX XXXX I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years XXXX reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.
I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND MY ADDRESS PRIOR WAS XXXX XXXX XXXX, XXXX, XXXX, XXXX. I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED XXXX, TRANSUNION & XXXX AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO XXXX XXXX, TRANSUNION XXXXTHREE TIMES ALREADY. I UPLOADED REPORT TO XXXX AT XXXX. I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.
I vaguely remember taking a payday loan in XXXX, I do n't remember the exact year, but I know that I paid off the whole debt. Since it was from a bit of a way back, I do not even have any of the documentation they sent to me and they have not even been in contact with me once in the past 4 years. All of a sudden I am getting calls from " XXXX '' ( Resources Management ) saying that I owe a debt to " XXXX XXXX '' for a payday loan they extended to me ( without my knowledge & without my consent if they even did ) and had old e-mail and bank account information but somehow have my personal cell number which has changed recently AND called my place of work. I did NOT give updated information. When I searched the number and the places of business on google they all come back as SPAM. They have called me numerous times and continue to harass me. I would like this to stop!
I am XXXX XXXX XXXX i have never changed my name i have never use any of the alias names on my credit report. Any nanes other than XXXX XXXX. XXXX were fraud. Please remove. 
Also i lived at XXXX XXXX XXXX. XXXX, Al . For 30 years i have never used any other address in Alabama. Please remove all alabama addresses but this one. Only a unstable person will have over 20 addresses. Also the social security numbers please remove from credit file. Not mine also the phone numbers as well.
My husband and I have received a tax notice from the XXXX County Office on XX/XX/XXXX. The notice advised us of the delinquent tax lien on the property in the amount of {$1100.00}. The notice advised that if we do not cure the delinquency by XX/XX/XXXX the property will be sent for a title search which will add {$350.00} to the amount already owed. The notice also states the property is marked to be on the XX/XX/XXXX XXXX County Tax Sale on XX/XX/XXXX. 
I have gone to the XXXX County office and discussed this matter with both the County Clerk and County Treasure. The clerk has advised me these delinquent taxes are due to taxes owed in XX/XX/XXXX ; however, my husband and I purchased the property in XX/XX/XXXX. 3 years later! The delinquent taxes are owed by the previous buyer. We advised both the clerk and the treasure of this matter. They have advised me the delinquent taxes should have shown up on the title report presented at closing, therefore my husband and I are responsible for these costs. We were advised the title was CLEAR by the title company at closing ; however, this seems to remain untrue. This is a clearly violation of our Title Insurance Policy!!!!! If you look under the Covered Risks in your insurance agreement it clearly states under section 8. Someone else has a lien on Your Title, including a : LIEN OF REAL ESTATE TAXES OR ASSESSMENTS IMPOSED ON YOUR TITLE BY A GOVERNMENT AUTHORITY THAT ARE DUE OR PAYABLE, BUT UNPAID. The city of XXXX has a tax lien on the property that we were unaware of! 
Please accept this as a formal claim. According to the documents we signed at closing we were promised and have the rights to a clear title. I do not know what the discrepancy is here whether it is with title company or the county but my husband and I do not and should not have to pay for these delinquent taxes. This is an urgent matter as we are about to be homeless by a discrepancy that we were unaware of. We demand some kind of legal action to take place. Please fix this matter as soon as possible. My husband and I are willing to provide you with whatever is necessary. We should not lose our house due to a mistake made by the county or title company. Thank you for taking the time to research this.
On XX/XX/XXXX i faxed over a copy of my FTC report to XXXX XXXX XXXX  his letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX -Inquiry from XX/XX/XXXX XXXX XXXX-inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX NOTE : Please also remove all non-account holding inquiries over 30 days old.
On XX/XX/XXXX my payment of of {$290.00} was received by Pioneer Credit Counseling, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to XXXX XXXX XXXX on or before XX/XX/XXXX but was not. The payment of {$8.00} was finally made to XXXX XXXX XXXX on XX/XX/XXXX. This now shows up as derogatory information on my credit report for being a month late.
Transunion is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score