WillisBack/dataset-financial-user-claim huggingface dataset:
I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency XXXX XXXX XXXX XXXX contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and today all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly yesterday so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone today with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
The information on my Equifax Credit Report with XXXX XXXX XXXX XXXX is incorrect and over 17 years old, it has been deleted from my credit report over 5 times. It was just removed XX/XX/XXXX and now it's back on my Credit Report. Under The Fair Credit Reporting Act Summary of Rights " a Consumer Reporting Agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. This information was placed on my Credit Report in XXXX. My rights are being violated and I am seeking damages in State and Federal Court
XX/XX/2019 XXXX in the XXXX, I called my mortgage company, Carrington Mortgage and made an escrow information request which was denied. 
I spoke to XXXX who denied the request and then to her boss, XXXX, who also denied it. Saying there was a " moratorium '' on escrow amount requests.
Details Last Reported XXXX XXXX, XXXX Collection Agency KIMBALL TIREY & ST. JOHN Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks I notified the manager that she had renewed my lease with the wrong date and she never fixed The apparment building become a XXXX with XXXX in and out I told the building manager I had to move the new residents and guess violated the non XXXX XXXX lease and I have a XXXX XXXX who almost got attached in the elevator by one of the guest and I moved when my lease ended ( the actual lease date ) The manager never amended the lease and put me in collection
An account from XXXX per XXXX XXXX was recently added to my personal credit report. This account is old and does not belong to me.It is also an old account that is no longer collectable or report-able according to Ca. law.I have tried to dispute this account at the Transunion website but I'm not allowed to access the dispute page. When I call and ask why, they give me the run around.
Received an alert from Equifax, stating, I applied for credit from XXXX XXXX XXXX on XX/XX/XXXX. Contacted XXXX XXXX XXXX on XX/XX/XXXX, spoke with several individuals over 45 minutes. XXXX stated they couldnt do anything or provide any information and file a dispute with Equifax. I filed a fraud dispute with Equifax on XX/XX/XXXX. 

On XX/XX/XXXX received an alert ( Conf No. XXXX ), stating my dispute was complete. Equifax stated ( XX/XX/XXXX telephone call ), they can not remove the hard credit inquiry from XXXX XXXX XXXX and I need to contact XXXX. I contacted XXXX on XX/XX/XXXX, they said I need to contact Equifax to have it removed. Called Equifax again, informed them what XXXX said and I requested a supervisor. Informed the female supervisor of the situation, she said again, contact XXXX, they have to request the removal of the hard inquiry. I informed both companies, this was a fraud credit request. Both parties are saying contact the other party. I have spent over 2 hours on the telephone with Equifax and XXXX XXXX XXXX requesting the hard inquiry be removed from my credit.
I have previously had my credit report frozen on all three credit bureaus. 
Around XXXX/XXXX/XXXX I placed a temporary lift on all three bureaus in order to obtain a loan for a house. 
I received my bank statement and saw that EQUIFAXhad charged me {$5.00} twice. 
Today XXXX/XXXX/XXXX I attempted to obtain a refund via phone but was told that I had to FAX a cover letter, bank statement and two forms of ID. I informed them that I did n't have a fax and requested an email address that I could send it to. They stated that they did n't have one and that I could mail it. I asked if they would also refund me the postage and was told no. I asked for the EQUIFAX Public Relations Number and was given a phone number. This number turned out to be the Consumer Financial Protection Bureau. Was directed by the CFPB person to submit the claim here. 

I have included a bank statement with non-pertinent information redacted. 
Thank you as this is much easier than working through EQUIFAX.
I have contacted this company, as well as the creditors listed, numerous times over the last nine months in regards to these accounts which have been fraudulently opened in my name, asking for validation or removal. Rather then performing an actual investigation both the company and the creditor neglected to do so and directed the blame back to the other, prohibiting me from having these fraudulent items and incorrect names and address and socials removed from my credit report, causing me undue financial and emotional harm. I have fortunately been able to get the majority of the personal information updated and/or removed from my account, however, the actual fraudulent accounts that were opened remain on my report. After much frustration on my part I was instructed to file a police report which I did at the beginning of XX/XX/2018. While the report resulted in the removal of 2 accounts I was told it was not specific enough for the remaining items on my report and that I should file an identity theft report with the FTC. A few weeks ago I filed requested reports and faxed them on the XX/XX/2018. Even though I did as I was instructed to, this company stated reasons that are in the alternative, and failed to block requested information or provide reasoning as required by law. I consider their decline to block as insufficient in even identifying its specific basis. I attached a copy of the police report and the identity theft report along with my proof of identification and statement that the accounts or any transaction thereon were never authorized by me to the fax I sent and met your burden of proof. Your option to decline requires more than just a statement of their possible reasons to do so under the statute. 


Treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent or not. That is why the identity theft blockage provision of section XXXX exists, to bypass the need to consider proofs. I have no proofs to offer to support a dispute, and thus my assertion in the form of a police report is being used to obtain blockage, not contest the accuracy of its reporting.
It is a Best Buy credit card they call me everyday sometimes two and three times a day including Saturdays and Sunday and has been going on for the last 2 or 3 months I let them know that I am involved with a debt relief program for them to stop calling me and they have not stopped they call me Sunday mornings Sunday evenings everyday. It 's non stop 7 days a week.
Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX  PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX XXXX
I have disputed the information but have not heard back from Experian as of yet. I was turned down for my vehicle loan because Experian put XXXX Fraud alerts on my credit report. I did not request for them to do this, they apparently took it upon themselves to put the Fraud alerts on their themselves. This was very embarrassing and I have not been extremely upset about the situation. I have asked them to remove this immediately as they have addresses listed that I never resided at, companies that I have never even worked with and phone numbers I have never had, etc. Can you please assist with this matter.
I owed approximately XXXX dollars, to XXXX which was purchased by XXXX XXXX. I thought selling the debt twice was against the rules. While I was waiting for XXXX to be ok 'd, XXXX 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive ssd for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later they had sold the debt to another debt collector Portfolio started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not hear from them until recently. Now they are calling me every week day sometimes XXXX a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.
I 've contacted each of the credit bureau and requested that they remove an account with   XXXX   XXXX   XXXX   that is reported as as a collection account, but its status is open and the high balance is one amount and the amount owed is much higher as well it continues to increase in balance monthly  ...
I received XXXX tickets from Washington XXXX. The ticket was sent in the mail with an expired Court date I called XXXX and asked when could I have a court date that the court date had expired. Told I could not get a court date ( right to due process ). XXXX XXXX XXXX was to be paid in XXXX County ( another error ). Told to write XXXX letters gone unanswered.XXXX ) Sent letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX2016, No response. Contacted XXXX/XXXX/2016. Called was told that the account at the request of XXXX was sent to Municipal Services Bureau. Come to find out from representative XXXX that XXXX and Municipal are XXXX in the same and that Municipal is the parent company. Team player XXXX stated the the dispute was put in on XX/XX/XXXX2016. No response. Even after request for me to resubmit another dispute. Misrepresented who they are and denied me the right to have this resolve by not letting me speak with a supervisor for resolution. The amount owed is completely different from the court house portal. Speeding ticket is XXXX and the XXXX suspension is XXXX now the ticket is XXXX XXXX at the Washington XXXX stated that the amount is high because I did not show up for court. Never had a court date. Called the credit bureau at least 20 times. XXXX/XXXX/2016 spoke with XXXX, XXXX, XXXX and he informed me that I need to submit another complaint dispute online that is the only way. XXXX 's team member said that they are a municiple court ( false ) an the have more time and she does n't know how long for a dispute. The letter XXXX and XXXX at the Washington XXXX was submitted 3 times.
I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, Chex Systems, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for Chex systems its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at target and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
On XX/XX/XXXX, I filed XXXX bankruptcy in the XXXX XXXX of Indiana . In my petition, I listed all current accounts. All credit bureaus were properly notified, as were all affected companies. 
On XX/XX/XXXX, my bankruptcy was discharged. 
I logged into Equifax to initiate a dispute on several past addresses, and noticed XXXX ( image enclosed ) was still showing under investigation ( proof to the contrary enclosed ). It is also showing a derogatory status, with a balance. It has shown this during the entire bankruptcy proceeding, meaning Equifax has violated the automatic stay AND is culpable for reporting inaccurate information, thereby damaging my credit. Furthermore, there is a XXXX XXXX XXXX account you 'll notice on the enclosed image that is showing under investigation as well, although there is no current investigations according to the XXXX image. This is misleading and clearly a misstep on Equifax 's behalf. 
Moreover, XXXX addresses shown on my report do not belong to me nor ever have, and Equifax refuses to remove them ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).
I am a victim of ID Theft. I submitted the required documentation to Equifax as requested. According to federal law Equifax had 4 days to remove the disputed information from my report. I discussed this with a supervisor named XXXX XXXX and was told that Equifax was in compliance with all federal laws. The other XXXX bureaus have removed the ID Theft accounts. 
I had to take Equifax , XXXX to federal court to settle some disputes relating to ID theft accounts in the past. I was compensated by them to settle the case. Equifax in this case have not upheld their part of the agreement they made with me.
I 'm a victim of Fraud. I am a victim of ID theft. The dismissed Bankruptcies were fraudulently filed under my name, without my knowledge or consent. These items were incurred by company whom I had hired XX/XX/XXXX for help with modifying my home loan. I neither authorized to file a Bankruptcy on my behalf, nor was I made aware that that were doing so. My signatures were forged on the BK paperwork, I would only find out about this issue after this company had gone out of business XX/XX/XXXX. 

This case was referred to the attorney general 's office who suggested I file an ID theft report. Hence, a Police Report with XXXX PD and also a Federal Trade Commission ID theft report for the fraudulent dismissed bks and forwarded it to the credit bureaus. As required by law XXXX of the bureaus blocked the information from my credit report, whereas Transunion has persevered with reporting the fraudulent accounts on my credit report. I have called Transunion several times, as recently as today on XX/XX/XXXX, but to no avail, as I get transferred from one department to the other and am given no explanation as to why they are violating the FCRA by failing to block the fraudulent information. I am absolutely at my wits ends here, as it bad enough suffering the traumatic experience of being defrauded and now as a victim of fraud I 'm not being afforded my legal rights. 

Attached Please Find : The filed Police report and the filed FTC ID theft report
XXXX XXXX : debt XXXX on XX/XX/2018 services stated they have submitted to all three credit bureaus to have this debt removed because it could not be validated. Two of the three have had it removed. Equifax keeps stating that they never received confirmation to remove the debt. XXXX XXXX gave me a confirmation number and date when they removed, but Equifax won't budge. I informed them I am filing a complaint.
Loan modification that has been a nightmare with PHH Mortgage Service Center. They have made me jump through so many hoops and I finally recieved my trial modification and passes the XXXX months test. They issued an incorrect packet and while following their directions to correct different requirements they closed my file and have stated I need to start all over. They misinformed me on the process and information that was needed to correct the packet. When all their many different and changing requirements were met, they threw my packet out. They are not acting ethically at all.
I was alerted from XXXX that a new inquiry was placed on my credit from Kohls yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.
I have filed police report on XXXX/XXXX/XXXX, case n. XXXX, I was called by TD bank Fraud department that my TD bank card was being use and they closed the account. I was asked to open a new account and I was able to dispute the charges from account # XXXX during this period I was still fighting with TD bank car loan service, I was asked to go to local branch to talk to someone about late payments or missing checks. I requested payment record from XX/XX/XXXX to XX/XX/XXXX, I was told by the bank that the only things will be provided is bank statement, not copy of checks. if I want copy to be included I must pay them each check. I did not agree on paying for my own record while they continue to miss credit my account. On XXXX/XXXX/XXXX, I did filed an other police report due to scammer. case # XXXX. TD-bank account number # XXXX This account is closed by TD-bank. Since I 'm not getting any where with TD-bank car loan department and both of my checking are now closed, I 'm demanding that DT-bank must provide me with every checks I wrote to pay for my car loan payment. I want pictures of front and back of each checks so I can compared with my External account see what the evidence will lead me to. I will not pay TD bank any fee for me to be able to have my personal bank records. Since I purchase this vehicle I received payment slips at the binning of XXXX since that time I never received total payments subtracted from the original balance, but they continue to claim that I have late payment. as you can see a copy of letter submitted yesterday with all checks from XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, still never subtracted. I want all checks record before I can hired a lawyer.
My husband and I paid off our personal line of credit with B 0f A in XX/XX/XXXX, and were told that a formal release, giving us clear title to our property would be issued in 30-90 days. The pay-off date was XX/XX/2015. Today I called regarding the document and was first told that I had to contact my County for that document. When I said I had already queried them, I was then told the paperwork had not bee processed until XX/XX/2015 and it would be another 30-90 days until B 0f A sent the paperwork to my County. When I pointed out that it had already been 30 days since their processing, I was told it could be up to another 90 days before we received the release and clear title to our property. This is not acceptable business practice, I know that B 0f A would not wait 120 days for any documents or money that was due to them.
On XXXX complaint XXXX I filed a complaint with the cfpb about endpoint how they called and spoke to my brother and daughter. In their response dated XXXX the same response they gave the bbb they would stop trying to contact with me. NOT only have they not stopped they are now contacting my ex wife on her house phone and her husband on his work phone. I have been divorced for 26 years. I will be filing a lawsuit if this does not stopped. They put in writing they would stop and they have not! They are in violation of the FDCPA.
Repeated phone calls by XXXX XXXX XXXX requesting payment of student loan debt. Last phone call was on XX/XX/2018 at XXXX pm, PST and asked to call back to XXXX.