WillisBack/dataset-financial-user-claim huggingface dataset:
I Called Equifax on  XXXX   XXXX     2017 after  sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say Equifax as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company Equifax, I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to EQUIFAX and  XXXX  on  X/XX/17    stating something along these lines ... Please validate this information with   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature.   In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 )  ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report. Equifax and  XXXX  will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.
The bank is scrambling my accounts. On XXXX XXXX I had a {$68.00} overdraft. I deposited {$88.00} to cover it so I wouldnt accure any fees. After this deposit I had a balance of + {$19.00}. On XXXX XXXX my account showed {$180.00} overdrawn. Some items that had been paid on the XXXX ( XXXX   XXXX XXXX {$99.00}, XXXX XXXX {$58.00}, XXXX {$17.00} and XXXX {$16.00} ) were now pending with overdraft fees attached to them and new charges ( XXXX {$10.00}, XXXX {$35.00} ) which came on the XXXX were paid. Even the dates all had been changed to the XXXX.
Equifax mishandled my personal information, which may have been compromised by a data breach. I was listed as potentially impacted by the breach on www.equifaxsecurity2017.com.
Yesterday I received a bill in the mail from my XXXX gas credit card company, which I have had for many years. This is the second bill I have received with an envelope marked " '' XXXX* XXXX '' as the return address, printed in black. The postage is prepaid. The envelope does not look like a bill. It looks like junk mail. I almost threw it out last month and I almost threw it out again. I opened it and searched and searched the fine print for information about WHO this bill was from. Finally, on the bottom of the bill, in very fine print, I saw the information " Make Payment to : XXXX  XXXX CO ''. I think the company is intentionally making the bill look like anything BUT a bill, in hopes the receiver will throw it away, not make their payment, and then be charged a late fee or penalty for non-payment. I think it is deceptive, BY DESIGN. I called them and complained to a customer service agent. I was very angry. The bills did not used to look this way. When I got to the 2nd page of the bill, there was a clear red " XXXX '' picture of a credit card. By then I had spent annoying minutes looking for this information that should be clearly marked both ON THE ENVELOPE and on the face page of the bill. This will be my last bill from XXXX. I am writing the company, and cancelling my card! As far as I 'm concerned, they are setting themselves up for a class action law suit - I am curious how many people are throwing this bill in the trash. I do n't know what the " XXXX '' aspect is of the bill, but it is new - I think some rewards program. This is either a shameful practice, or very BAD marketing!
I 'm enrolled in the PSLF program and what I was told was an eligible loan. As it happens, a few years ago I was told the same thing and found out after the fact that the {$6000.00} in payments I made that year effectively went straight down the drain. Every time I re-enroll I get someone on the phone and ensure that I 'm in an eligible plan. I just got an email saying that the plan I 'm actively enrolled in is n't eligible for PSLF, again, despite the fact that once again I called to verify that it was eligible. How is this legal? How can they devise a system where only is in not clear to the user whether or not a particular plan is eligible because of their labyrinthine application process and vague terminology, but their own employees do n't even know the ins and outs? We 're talking potentially upwards of {$12000.00} from me alone that is essentially evaporating into space. HOW IS THIS LEGAL? I did everything right. If this was a private company they would have been sued into oblivion and forced to close. What can be done about this? It 's so blatant.
I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / XXXX & Experian ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / Experian & XXXX and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as XXXX XXXX Experian always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.
On Friday, XXXX XXXX, I overdrafted on my USAA checking account as I did n't move money over from my USAA savings account quickly enough. This of course is my error. My concern is that my USAA XXXX which is where my overdraft is linked to had the {$700.00} cash overdraft posted as of XXXX XXXX but the {$700.00} is still not deposited to the USAA checking account. When I called this morning and spoke with XXXX and XXXX, I was advised that because it was a weekend that the {$700.00} deposit would n't most to my checking account until Monday or Tuesday. I confirmed with XXXX as I suspected that interest begins billing immediately on the {$700.00} cash advance ( so as of Saturday morning ) yet I have yet to see the {$700.00} post to my checking account. I feel that this is a UDAAP violation. How can they charge interest on my credit card for {$700.00} when I do n't have the {$700.00} in my checking account yet? Seems like a control break in their process since they do n't appear to process certain transactions on weekends. This is not my issue and should not fall back on the consumer. I would like to ensure that I am not charged for interest until the {$700.00} is in my account. Which I am still waiting for as of the morning of XXXX XXXX ....
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX   XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.
I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in high school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX in XXXX XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.
A physician has billed us for services we did not authorize and after non payment they have sent this to collections -- when we request verification by collection agency we are sent the bill. We have informed the credit agency that the bill is unpaid because we did not authorize the service. They then referred us to the physician whom we also requested verification of our authorization and none is provided.
On XXXX XXXX, I was denied a line of credit with BB & T. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. 
After the denial I discovered that my application was intentionally falsified by XXXX XXXX XXXX. 
As a result of the falsified application XXXX XXXX, processed another application and included the assets that XXXX XXXX XXXX did not include. XXXX assured me that there would be no additional inquires because the prior application was recent ; however, there was an additional inquiry which I did not consent to. This violates FCRA. 
I was informed this application was denied on XXXX XXXX, 2016. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. 
Additionally the minimum line for the product was XXXX. My liquid assets totaled a little under XXXX. After the denial XXXX stated specifically " BB & T likes to see liquid assets match dollar for dollar ''. 
If this is true why would this not be disclosed so that I would not waste my time if the minimum line of credit is XXXX and BB & T want applicants to match liquid assets dollar for dollar knowing my liquid assets only totaled under XXXX? 
It is my position that both inquiries should be removed because there was no business necessity to obtain a credit report when it was known I did not qualify because of a lack of liquid assets. 
Also, both adverse action letters should be provided to me immediately.
Credit reporting company score not calculated due to report of deceased status my father is deceased XXXX XXXX XXXX XXXX not XXXX
In XXXX of XXXX my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the XXXX credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only XXXX XXXX removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.
As of XX/XX/2018, I have sent letters dated XX/XX/XXXX and XX/XX/XXXX to Capital One as inquiry to old credit card debt with an offer to settle the old debt if they could prove I was the original debtor. 

To date, Capital One has only sent letters reporting charge off and last payment information for the old credit card accounts. 

I contend that Capital One is " re-aging '' my old credit card debt with intent to continually harm my credit. 

Capital One has not responded with acceptance or denial to settle debts that are being reported to the credit bureaus against me. 

In XX/XX/2018, I sent letters via certified mail to credit reporting agencies known as XXXX ( confirmed receipt XX/XX/XXXX ) ; XXXX ( confirmed receipt XX/XX/XXXX ) ; and XXXX ( confirmed receipt XX/XX/XXXX ) as disputes to Capital One and to request proof of original instruments of indebtedness. To date, the credit bureaus nor Capital One has sent copies as proof for the original instruments of indebtedness.
XX/XX/2018 Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/2018 TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/2018 Amount not received by XXXX XX/XX/XXXX Talked to Wells Fargo banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. XX/XX/2018 XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX REF # XXXX ( via XXXX ) --  email used was : XXXX XX/XX/XXXX XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/2018 Talked to Wells Fargo banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/18 Our account showed a payment of {$240.00} to XXXX -- XX/XX/18 Our account showed that the payment was delivered to some WF account ( not XXXX 's ) -- XX/XX/18 XXXX XXXX & XXXX 's account show NO payment received on XX/XX/18. -- XX/XX/18 XXXX XXXX & XXXX 's account show the payment ( {$240.00} ) received. ( sent on XX/XX/XXXX ) XX/XX/2018 After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. XX/XX/2018 XXXX claim case opened : XXXX XX/XX/2018 XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as Wells Fargo has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by Wells Fargo including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? XXXX & XXXX have no other bank account. XXXX also called Wells Fargo & XXXX, but they could not help him either to track down the missing payment. XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the Wells Fargo banker " XXXX ''. He opened a new case : XXXX with their Executive Resolution Team, who took 2 weeks to look into this. In the end the case was closed because XXXX won't expose the account # the amount was deposited to. XXXX gave up and agreed we go through the Legal Route.
( XX/XX/2018 ) I called Navient this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. Navient will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. Navient kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a Navient representative that refused to give me his name, he said he was from the OCP branch within Navient, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The Navient rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the Navient rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew Navient was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if Navient filed a false police report against me and they said that Navient could not do that and they wouldn't take a police report on that if they did. Navient does illegal things when dealing with students/customers and I would like something done about it.
My loan matures XX/XX/XXXX. ( XX/XX/XXXX was original maturity date it keeps changing ) I have been paying monthly, often times after the XXXX which is my due date, but I get the payment in monthly. On two occasions I was given extensions, but I have paid way more than the {$1500.00} loan amount and expected to be paid off in XXXX. I did get an extension in XXXX  and only paid half a payment. So when I asked if I would be paid off inXX/XX/XXXX I was told because I was late many times, my loan has been extended for approx 20 more months, unless I can come up with the {$1500.00} original loan amount plus {$680.00} in late fees. Had I paid on time by the 11th if every month I would be paid off. When I told them that was ridiculous that it was still paid in the same month they told me too bad ... .so now I have to pay another {$4000.00} plus dollars ( {$210.00} x 20 ) on time by the XXXX or it may take longer ....

I wi never get my title back or get this loan paid off ... .I will be paying over {$8000.00} on a {$1500.00} loan. I tried contacting XXXX XXXX and the XXXX XXXX XXXX to no avail. Can you help me get this settled and get my title back? I also wanted to add them to my Chapter XXXX but they refused that also. Please help me. I also paid the {$10.00} late fee everytime I was late. Loan initation date was XX/XX/XXXX
I called Equifax on XX/XX/XXXX to report that I have tried numerous times to dispute inquiries that were done without my authorization and to have them removed. The representative kept directing me to their site where the dispute can be processed which I have done so many times, Equifax has proof of the disputes online. Why must I keep filing online and it not get processed. Once again, as I mentioned in a prior dispute it seem like the bureau PROFITS from bad credit and does not want to remove something that did not belong on my credit because it WAS NOT authorized by me. XXXX XXXX, XXXX, XXXX XXXX   seem to continuously try my credit for approvals. Look at dates, they don't make sense. Because of these banks constantly applying fraudulently on my credit I processed a credit freeze to protect myself and inquiries KEEP hit my credit!! How is that possible. The following inquiries I reported to have removed - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from XXXX XXXX XXXX XXXX stating I owe XXXX. I contacted XXXX   about it and was promised they will notify XXXX XXXX XXXX XXXX to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score. 2 other collection agency have this same XXXX bill on my credit
I have requested both Navy Federal Credit Union and XXXX XXXX to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.