WillisBack/dataset-financial-user-claim huggingface dataset:
The company is Equifax. 

I never gave direct authorization to that organization to use, in any manner, my personal data. I have found out that they have been using my personal data, storing my personal data in a manner that allowed the data to be accessed by an unlimited number of third parties, and they were profiting off of my data without compensating me for use of my personal data. 

On XXXX XXXX I became aware that Equifax provided my personal information, without my consent, to an undisclosed party, and that they did not properly safeguard my personal information. There are now damages, and my personal data, against my wishes and my personal attempts to protect my data, has been violated and provided to parties that they have provided my personal information to sources that can destroy my credit reputation, name and history, resulting in higher costs, damaged credit, and irreparable damage to my future costs of borrowing and protecting my personal data. 

I have never provided any written authorization to Equifax to use any of my personal data, which is copywrite protected and owned by me, for any purposes and they have violated federal laws in stealing my personal information, and then failing to protect my personal information, selling data about me without my consent, and failing to protect the information which they had collected. 

I am seeking {>= $1,000,000} in reimbursement to cover all necessary legal, financial and reputational costs incurred, and potentially to be incurred over my lifetime for the egregious violation of my rights and federal laws.
Transunion has been historically reporting wrong information on my credit report. I have disputed the bankruptcy listed on my report. They have XXXX chapter XXXX listed on my file which is against the law to file so we know the reporting is incorrect. When I called and told the agent that was impossible to file XXXX bk in a 2 year period and I explained to them it was a chapter XXXX and the time had expired but since it 's reporting incorrectly is been on my records for an extra 2 years. When I explained this to a agent I was told they would investigate but the results were the same which says they did n't investigate the issue well.
I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from Equifax to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.
I received a copy of my credit report and am disputing ( ALL ) accounts with XXXX XXXX to be deleted. The reasons why these items should be deleted are - I am a " VICTIM OF IDENTITY THEFT ''.
Eastern Account System of Connecticut , Inc. ,  XXXX .  XXXX   XXXX   XXXX , CT  XXXX  -  XXXX ,  XXXX  (  XXXX  ) AGREED to delete the debt from my credit report upon payment in full on a recorded line.   I did pay the debt in full. It is a medical debt and went to collection when I will still making payments in good faith to the original creditor. I checked today and the debt is marked paid in full and not deleted as agreed. The collection agency has not kept their word to me or made false statements to entice me to pay.
I have a acct that has been on my credit FILE SINCE XXXX ... i have continuously disputed this item ... but the credit reporting agencies refuse to remove it from my credit file.i submitted an old credit report from XXXX showing how long this acct has been on my credit report.the acct in reference is XXXX
After carefully reviewing my Experian Credit Report, I noticed a couple of creditors incorrectly reporting to my credit report. 
Below is a small list of the creditors that I would like to have permanently removed from my Experian Credit Report immediately, please:1. XXXX XXXX COUNTY RECORDER - Identification numberXXXX. This public record 's creditor is reporting to my Experian Credit Report by mistake. I 've reached out to the county recorders office regarding this Public Records item and they 've confirmed with me this it is reporting to my credit report incorrectly. It is basically reporting to the wrong XXXX XXXX XXXX, XXXX As a matter of fact, to ad insult, based on their records, XXXX is not even included in the name that its supposed to be reporting to nor is the address mine as well, based on what they have in their records. 
2. XXXX - Account numberXXXX .... I 've never had any XXXX XXXX XXXX credit card and nor do I know of anyone who has added me to their XXXX Card as an Authorized User as it states on my credit report. I would like to have this credit card permanently removed from my credit report, please.
Dear CFPB, I had my mortgage with Bank of America, but I have not been receiving any type of notification from them for a many years now. I have called the Bank of America many times to resolve this matter, but unfortunately I was told that I no longer have a mortgage with Bank of America. I found out that my mortgage has been moved to XXXX XXXX. I never authorized this transfer nor requested the Bank of America to make any changes to my mortgage. There was no service transfer notification, nor any form of notification that this transfer has been made. I wish I can find more information but I am not able to receive any information from both XXXX XXXX & Bank of America until now. I spoke to many different representatives for many times from different department, but I am not able to find any information regarding my mortgage. Now when I ran my credit report, I saw many delinquent payment notices on my report from Bank of America. This is very unfair and I do n't know whom I can speak to to resolve this matter. Because of this ridiculous happening, I am not able to file a modification nor enroll for any financial help programs. I do not want to lose my home, but there is nothing I can do because of those delinquency notices on my credit report. 
Please help me to resolve this matter. I am very worried and lost at this point because I feel like the banks have used my personal information without my consent or authorization to make these changes and I am not able to receive any information from those banks. Once again, I never requested any changes or transfer, never late on my payments, and I do not want to lose my home. 

Thank you,
We have been trying to close on our first home since XX/XX/XXXX. We have applied for a USDA loan. While going through the process we have given financial information, employment verification, letter of explanation for payments, and tax information to the mortgage company. We have had to get XXXX extensions on escrow. We are dealing with Paramount Residential Mortgage Group, Incorporated. Over this time, they have had us to re-send much of the information that we 've submitted during the beginning stages of the loan process. We remind them that we have sent the information, but they keep saying that it is for the underwriters. The claim is that the underwriters are trying to " dot every I and cross every T '' for the USDA loan. The problem is that the government has already approved the loan weeks ago, but we have yet to close on our home. We are also having issues with our mortgage agent, XXXX XXXX ; he does not return our calls when we inquire about what is holding up the loan process. This has been going on for several weeks. We are concerned that either they are losing our personal and financial information or that they are just holding up the process because they are getting some type of financial gain by holding up the sale of the house. As this process has gone on and on, I have seen the level of unprofessionalism increase to levels bordering on negligence.
I recently noticed two OPEN collection accounts on three of my credit bureau reports stating that Midland Funding/Credit Management has placed on my report as a " collection '' account. I was not aware of any such company that I owe a debt to yet alone two separate accounts with two different debt amounts. I was puzzled. OnXX/XX/XXXX I 've sent Midland Funding LLC two separate letters via certified mail regarding the two separate collection accounts they are claiming I owed. Asking them to validate my account by sending me evidence bearing my signature showing that I have ever signed a contractual obligation with them. Asked them to reply within 30 days of receiving my letters. Per my tracking system they received these letters on onXX/XX/XXXX. On XX/XX/XXXX, I noticed the accounts moved from OPEN status to CLOSED status with balances still owed by me apparently. I 'm even more puzzled. It is now XX/XX/XXXX and I still have yet to hear from them with my reply of this agreement I am asking for. On the 31st day, if they do not reply I will have to take the next step to excercise my rights. This is very damaging to my credit reports.
XXXX XXXX has failed to provide validation/verification for negative inquire showing on credit reports. I have sent correspondence via certified mail and a reply has gone unanswered. I expect creditor to remove entry from credit report for not answering certified mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
I have contact the bureaus repeatedly about the consumer and they have failed to contact me about the file reporting on my credit. I have no knowledge of this account XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX  said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.
XXXX, XXXX CA and Schreiber / Cohen, LLC, XXXX NH. 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XX/XX/XXXX, therefore I was not receiving the notices. XX/XX/XXXX I was served by a XXXX with a XXXX notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX of Schreiber/Cohen and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XX/XX/XXXX I reached out to XXXX, Chief Compliance Attorney for Schreiber/Cohen to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XX/XX/XXXX that no further legal action will be taken. On XX/XX/XXXX I received a forwarded letter with a State of XXXX Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XX/XX/XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.
I had approximately {$26000.00} in loans from various companies when I finished school. I quickly decided to consolidate, I notified all of the companies. I had no problems until I discovered that everything was transferred to XXXX but around {$2500.00} was somehow left with NAVIENT. NAVIENT reported me as late. I have maintained a near perfect credit score all of my life but what was a in the 780s range is now in the 560s range. NAVIENT will not help my although I have mailed in every possible document, I have email them many time and spent hours on the phone. I have spoken with the Department of the Customer Advocate many times. All I get told is that there is nothing they can do. I have spent countless house researching what went wrong and I admit that I did make a few mistakes during the consolidation process but at this point I feel that NAVIENT is simply unwilling to review this mishap or take into consideration that I have never had a late or missed payment in my life which is why my credit score was almost perfect. 

NAVIENT can not send a letter detailing conversations and say they consider the matter closed and expect this to go away.
After pass few months of not being provided with my account monthly statement by Wells Fargo bank I complained on the branch I use to deposit and visit frequently. At that branch I received computer copy of my transactions non officials statements from the Wells Fargo headquarter which from time to time show different information from the statement provide by the branch at XXXX of XXXX XXXX. it has been the main reason because my claims or allegation some times are late, for instance in order to have the year XXXX and XXXX statements I had to call the bank too many times and finally ending the year XXXX I received copies of the three years on the branch. on XX/XX/XXXX I notice an unusual withdrawal, agree to the bank statement per an amount of {$5000.00}. since I have been auditing my Wells Fargo bank account and I found the fact that my account has been vulnerated from the year XXXX through the year XXXX for instance, in XXXX XXXX, XXXX the bank charged my account {$3200.00} for a withdrawal in branch store at XXXX XXXX XXXX. I rejected such a transaction. In XX/XX/XXXX my account was charge per an amount of {$5000.00}. I had rejected that charges on my account because I did not make those draft. I have contacted the bank for more than 30 charges the bank has made on my account since XXXX through XXXX. I had complained but the bank is not paying attention to my complaints, the personnel take some notes and the following day it send me a letter rejecting my claim the bank is mocking on my claims. I have the document which support my allegations and I am able to summit them to any investigation before an impartial governmental institution or regulators.
Date : XX/XX/2018 XXXX : XXXX XXXX @ Portfolio Recovery called me. I had to say " Hello '' multiple times before she started talking. She wanted me to verify my info ( last 4 digits of my SSA # ) before she would tell me she's from Portfolio Recovery. I repeatedly told Portfolio Recovery to stop contacting me. They don't listen.

I repeatedly told them robo-calling is illegal and told them to cease and desist any future contact. They still continue to harrass me.
I attended XXXX University from XXXX, I got financial aid to help pay for tuition and stuff. XXXX issues students debit cards to load the unused balance from the student loans into the card. I decided to not attend school anymore and dropped my classes. Last year I got a letter from XXXX saying I owe them over {$3000.00} for the renaming portion of my loan. I lost my debit card soon after I dropped my classes and I never took the or received the {$3000.00}. I tried to explain that to XXXX and they told me too bad and referred to a collection company. I disputed the debt with the collection company and the collection company could not verify the debt and stopped collection activity. It 's been a few months since they could not verify the debt and now I get another letter from a collection company stating I owe the debt again and if I wanted to validate the debt I can but a lawsuit will begin if I ask for validation again. I was under the impression that once the collection company can not verify the debt all collection activity stops. Am I wrong? What do I do?
I never applied for a payday loan through this XXXX XXXX XXXX, they 're scammers. They have all of my information old checking account number my social security number. I just learned Today XXXX/XXXX/16 they have put this on my credit report as a collection for the amount of {$640.00} and this Midwest recovery is on my report. I called the XXXX XXXX number and they told me that I can settle this matter for {$300.00}. I do n't owe this never got a payday loan from this group and want this off of my credit report.
I have sent several request to have fradugelent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.
This matter is regarding Paypal transaction XXXX. On Wednesday, XX/XX/2018, around or about XXXX XXXX I attempted to make an instant transfer payment through my PayPal account ending in XXXX in the amount of {$49.00}. The Paypal system submitted an e-check for payment instead of an instant transfer WITHOUT any indication that the system was about to conduct this transaction INSTEAD of the transaction I AUTHORIZED. The system subsequently debited my XXXX XXXX XXXX  account ending in XXXX for a transaction I did not AUTHORIZE! On this same day, Wednesday, XX/XX/2018, I spoke with 3 representatives on 3 different occasions. I spoke with the first representative Wednesday, XX/XX/2018, around or about XXXX XXXX. I spoke with the second representative Wednesday, XX/XX/2018, around or about XXXXXXXX XXXX, and I spoke with the third representative Wednesday, XX/XX/2018, around or about XXXXXXXX XXXX. All 3 of the representatives provided 3 different answers to my case diametrically different from each others ' answer. Ultimately, leaving my case unresolved. After checking my disputed case each day after my dispute, I contacted their disputes department to follow up on the resolution nearly a week later on Tuesday, XX/XX/2018, around or about XXXXXXXX XXXX. At that point a representative informed me the e-check, I explicitly indicated to the 3 representatives, on Wednesday, XX/XX/2018, that I did NOT authorize their system to submit AND withdraw from my XXXX XXXX XXXX  account, cleared for payment. I disputed this transaction again on Tuesday, XX/XX/2018. The transaction reference number for this dispute is XXXX.
I had set an overpayment on my account with Navient ( Formely XXXX XXXX ) - which was to help reduce the total cost of my Student Loan. This had been in place for at least 2 years - then out of the blue I received a message stating that there has been a change to my account - and some dates & terms. It never stated exactly what had changed. Then I checked my Navient account and realised they REMOVED my overpayment - so now they were only taking out the minimum to cover - which in effect means I 'd end up paying more on the balance over time if I did n't realise this ( accrue more interest ). This was Totally not cool.
After submitting a complaint with cfpb on XX/XX/2018, regarding collections acct be removed, Equifax lowered my credit score 48 points. While all other credit reporting agencies raised my credit score to XXXX and above Equifax felt the need to lower my score to reflect the credit score at XXXX. I submitted documents that had a XX/XX/2018 date of removing the collections acct, when I called to get my status on this acct, they did not have any of this information and could only tell me they lowered my score because XXXX made an inquiry into my credit file. I don't think having an inquiry should lower my credit score 48 points
We have a lease with Honda. XXXX account number XXXX. We turned the car in XX/XX/XXXX. I called the county and paid the amount owed. Honda had paid the entire amount due. XXXX XXXX VA then issued Honda a tax refund check ( for XXXX leases ). The check was cashed by Honda. XXXX was XXXX of the lease 's on the refund check. Honda is wanting us to pay this amount even though with the refund check they actually owe us {$17.00}. I have submitted the information to Honda on XXXX separate occasions the date of the check the amount of the check and the leases that were affected for refund on this check from XXXX VA treasurers office. The check has been cashed by Honda. If we were not credited for the money are there XXXX other tax payers and leases that have not received. Now they want to report this on our credit report. I have called and called. I did get a case number at Honda today XXXX the number I called was XXXX ) and my case number is XXXX. The customer service people have told me repeatly that someone from the tax department is going to call me but they do n't and they do n't credit the account. They now are also asking that we pay the {$35.00} balance for the tax even though XXXX has sent them {$53.00} to credit to this account. The actually owe us money. Please respond.
AFTER 3 PRIOR ATEMPTS TO RESOLVE OVERCHARGING INTEREST WITH XXXX XXXX, IN XX/XX/XXXX I FILED CASE NUMBER XXXX WITH CFPB. 
XXXX XXXX ON XX/XX/XXXX ADMITTED FOR THE 4TH TIME THEIR ERROR AND GAVE AN EST. CORRECTION DATE OF XX/XX/XXXX. AS OF XX/XX/XXXX NOTHING HAS BEEN DONE AND THEY CONTINUE TO OVER CHARGE INTEREST.
In  2011  the said company,  XXXX , failed to lower my loan amount to a comfortable payment. I paid them a substainable amount of money to no avail.
I received a call from a young man who never identified himself he just asked for me by name and asked me to verify my DOB and SSN # before he could inform me of the purpose of him calling. I told him I would not be verifying any personal information and asked that he not contact me again if he could not inform me of who he was and the purpose he called for, as well as the company he represented. This man yelled to me " XXXX you need to pay your XXXX bills then, I told your XXXX XXXX I needed to verify your XXXX but you keep running your XXXX Mouth. '' I honestly thought this was a bad joke? No it was real I heard a call center background and laughter and then I heard a female in the background say to him " I hope there is no one on the other end of that line, because you just violated federally mandated laws as well as codes and ethical policies here. '' Then the phone hung up, so I called the number back. This representative ( I called the number to verify it was a place of business after, his outburst over the phone towards me ). The company is NCA- National Credit Adjusters, I stayed on the line and spoke with another ( different ) representative who I told about the incident and asked that I never be contacted by them again, he was as upset as I was and asked me to hold for him to get a supervisor, but we got disconnected and I had to go to work.