WillisBack/dataset-financial-user-claim huggingface dataset:
I hired a company to work on my credit in XX/XX/XXXX. I initially put a fraud alert on my profile because I did not want anyone to continue to use my personal information like before. ( My wifes purse was stolen and it had my personal information in it. ) I recently ordered my credit report and noticed that once again someone is applying for things using my information. How is this possible when I have a fraud alert and it specifically says to call my number in order to have my consent before running my information? I feel like this is a violation and the credit bureaus arent doing anything to protect my information. What is the purpose of a fraud alert if my information can still be used without my permission?
Credit scores are very important for people that do not have a lot of money and need to get loans or move into places. So, I make sure to monitor my score and try to improve it the best I can. I trust these companies with my information and my credit reporting because I have no other choice. I live and die by these arbitrary credit scores and now my information opens me and millions of others to fraud that can prevent me from buying a house, getting an auto loan, or even loans for any children I have down the line that may want to go to college one day ( so I can help build their arbitrary credit score, much like my parents did for me ). Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with Transunion on XX/XX/XXXX and on XX/XX/XXXX Transunion notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. XXXX XXXX XXXX is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.
On XXXX XXXX, 2017, I sent a payment in the amount of {$70.00} to the Cash App ID $ XXXX, only to find out that it was the incorrect ID. I reached out to XXXX XXXX to reverse the transaction, and I was advised to dispute it through my bank. I then sent the {$70.00} to the correct XXXX XXXX under the correct Cash App ID. When I spoke to Simple support on the phone on XXXX, the representative was understanding and helping, as if he 'd encountered the situation before and he assured me that I would hear from the disputes team some time this week. I sent documentation of the transactions, conversations that I had with XXXX XXXX via email, and a screenshot of both the correct and incorrect payments. 2 weeks later, I received a message that they can not /will not help resolve the dispute and that I needed to reach out to the merchant. Again, I contacted XXXX XXXX and they once again stated that they will work with Simple to resolve the issue. I reached back out to simple and today, the only message I received from the disputes team is that they have closed my dispute because they ca n't find " an appropriate resolution ''. The disputes team did not contact me for more information, or clarification on the matter, they just closed out my dispute with no help. I 've sent multiple requests to the Cash ID that was paid in error for my money to be returned, but have had no such luck. I contacted the BBB, signed a release form, and Simple would n't even work with them to help me resolve this issue. I am currently {$70.00} in the hole due to a mistake, I have provided everything I can to Simple to prove that this was done in error, and I have not received assistance from my bank in resolving the matter.
I fell behind on my payment and was n't able to pay on time. I called in to make the payment before it fell into foreclosure. They refused the payment insisted i needed to pay 1 and a half payments in order to process. I asked how I was supposed to pay them before the first. ( its the XXXX of XXXX ) ( soonest i could borrow from a family member to catch up ) ( ex fell behind on his settlement due to his work situation changing. ) She said I was able to mail it in. Or do XXXX. She gave me vague instructions for XXXX seeings there was no way possible for the pymt to get there in 1 day thru the mail. After several calls to XXXX XXXX I discovered pymt was to be made thru XXXX by doing some research online. I the successfully made the payment thru XXXX. If this posts online for those of you who have had the same problem and are reading this it is CARRINGTON MORTGAGE HOLDINGS LLC on XXXX. The payment has to be credit card. They charge a fee but posts same day. The lady said it would take XXXX hrs for XXXX to post. Caused great panic for me. I feel they give you no option that is feasible. They almost force you into foreclosure. The other thing that bothered me was that in order to post the one payment they were able to only if I could authorize them to auto draft the other 2 pymts in a week to my acct. Who does that. If I am behind I certainly cant afford the pymt to post without any money in my acct. It was rude for them to not accept the pymt and force me to pay it thru an outside source. I feel they should change this and compensate me for the distress it caused me. I have panic attacks and this affects my daily living. this was not an easy thing for me. The state or government should mandate that they have to accept pymt just like a bank. After 90 days they need payment in full no partial months. They force people into foreclosure at that point. Its very unfair and needs to be addressed. I will be posting this incident online for others to read and hopefully we can get something changed. Thank you
There is a collection on my credit that does n't belong to me How do I dispute/ prove that it 's not mine?
Enhanced Recovery XXXX does not have the licenses to collect on a debt in the State of Texas. 

XXXX Date : XX/XX/XXXX-XX/XX/XXXX-2014 Amount {$330.00} Tried to call multiple times with no response
My girlfriend paid off a personal loan at Wells Fargo I had. The next month I got a statement in the mail from them with reversed charges and reversed payments which then left a balance on the account that should have closed when she paid it off. That was in XXXX. I just got another statement with a balance of {$460.00}. I tried to get it resolved when the account was paid off, but was told I just need to pay it or it will go on my credit report.
Approxamately 5 years and 6 months ago I rented an apartment at XXXX XXXX XXXX for a 1 year lease. From the day I had moved in, there were issues ( No initial cleaning was done prior to my move in to which the manager responded, " Well, You wanted to move in today '' ). Additionally, The several items I listed on my move-in inspection that were in need of repair and/or replaced were not attended to throughout the entire 7 months of me living there ( w/o incident on my part ). Finally, After having paid the 6 previous months rent with money orders, I was turned away and told they were no longer accepting them ( w/o any notice ). I attempted to return the money order to XXXX where I had purchased it, with no success, and after returning to XXXX to advise them that if they would n't accept my form of payment ( the same form as I have made for the prior 6 months without any issues ), I would not have access to retrieve the funds. They again, declined which resulted in my moving out and leaving the apartment considerably cleaner than it was upon my arrival. When we went to court, Their lawyer asked me to explain the situation, and when I did so, He advised the Judge that they wished to settle the matter as it currently stood with me owing nothing and no longer residing there. I have submitted the court documents to them several times with no cooperation or attempt on their part to even respond to me in any form.
My home was sold in XXXX 2017 after divorce and the proceeds were divided. There was a remaining balance of {$1100.00} in the escrow account with Franklin American Mortgage Company that was supposed to be refunded. When the check arrived, mailed X/X/17, it was written in both my name and the co-borrowers. I contacted the mortgage company to request that the escrow refund be split evenly and sent to each borrower separately, as this was how the proceeds from the home sale were divided in court orders. The customer service representative refused to help me. I explained that we no longer have a joint account, as we were divorced. I also explained that we are not in contact, as there were XXXX XXXX issues with the co-borrower. She told me I would need to figure it out, that the check had to be sent out to both of us as one unit and would not connect me with anyone who could help. I have a useless check, and FAMC has the money.
All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.
Inaccurate information on credit report XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016
I made a purchase with my credit card from capital one in the amount of XXXX at XXXX XXXX XXXX. I authorized my card to be used as a credit card. It is not a debit card only a capital one credit card. Capital one ran the charge as a wire transfer and then charged me an extra XXXX in cash advance interest and a XXXX cash advance fee. When I spoke with capital one, they informed me that the merchant ran the card as a wire transfer. The merchant responded that they can't do that and ran it as a credit card. I have used another mastercard at this merchant without a problem in the past. Capital one has ran my card in an unauthorized manner in order to charge higher interest and a cash advance fee. I would not have used my card if I had known it would be considered a cash advance.
I had deferred my loans for a little while. When Obama got into Office and started the payment plan that goes by your annual income. I started paying back my loan. I was told that I had to pay for 10 years. As of today, they told me I only paid in for two years. That is not true. I was with salie mae then with navient. Please help me. If you have any more question. email address is XXXX XXXX
I called XXXX University while enrolled at XXXX for my XXXX -- Checking on their class schedule for comparison ; The sales person enrolled me in an intro class -- I did not authorize, did not attend. 
-- I spoke to school business management -- who told me that the charge would be removed. The school after several attempts has failed to remove charge and sent to collections : Caine Weiner ( they told me to call school. )
My mortgage was purchased by another mortgage company, and they told me I would continue to pay the same monthly amount. But months later they asked for additional chatrges, and I asked them several times to explain the additional charges. Tey have not done so. Also they took one of my mortgage payments and redireted it into a general account, instead of applying it to my mortgage. I did not authorize them to do this, and now they claim my balance is short.
I am trying to refinance my property and the bank pulled a copy of my credit report from Equifax. In the report it shows I have XXXX public records " Judgements '' against me ''. I contacted XXXX XXXX Superior Court and forwarded the copy of court hearings I was involved with showing there is not a Judgement against me and forwarded a copy of actual minutes and certified orders and final rulings to Equifax. 
Although it shows both cases where dismissed and no Judgement was issued against me Equifax refuses to correct its records and remove the public records from my credit report. I have written to them and called them several times but they refuse to comply. I was even forced to become their member so they can discuss my case and was forced to pay several fees at the end they just took the money and did not help me.
I took out XXXX different loans with Personal Finance Company back in XXXX. I had paid these down by several hundred dollars each. I fell behind XXXX month and mailed them XXXX checks to catch up the amounts I was behind on. Not long after I received a letter from an attorney for them. I called the XXXX XXXX office to find out what was going on and they claimed that they did n't receive my payments. I made payments then over the phone and was told I would be sent an agreement by mail from the attorney and everything would be taken care of. They began reporting me as over XXXX  days late on my credit report which was NOT accurate information. The attorney eventually mailed me the agreement to sign that I signed and returned to them, agreeing to make my payments as outlined. The next day I got served papers by the court. So nothing they told me was true. From then on I had a very difficult time getting any of them to contact me back about any of this. I requested multiple times for them to mail me my payment history with the remaining balances on my accounts because I felt that they were claiming I owed a lot more money than I did, and I was uncomfortable sending even more payments when they were n't being reflected on what I owed. I reached the point where I had given up getting clear information from them. Several years have passed and they have been reporting me as over XXXX days late on my credit report every single month. They never did fix the initial late credit reporting that was inaccurate. This has ruined my credit and caused my family a lot of detriment. I have tried to resolve this but I have no idea who is the correct person to contact and after mailing letters to their corporate office and trying to contact the attorney I am getting no where. I am trying to set this account straight even though I was grossly misled by this company. Their credit reporting is extremely unfair and they will not even get back to me so I can try to negotiate anything. If they ca n't report accurate information than they need to delete their reporting on my credit.
I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office sai d 2 we eks after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.
I had originally established a repayment plan which consisted on XXXX mo repayment plan, when I had XXXX payments left on the repayment I was in an auto accident which caused me to not be able to make the last XXXX paymen ts of the repayment plan. ARS national services did not contact me in any form till several months later by mail to enable me to fulfill the plan., The amount left was approximately {$170.00}, but now ARS is stating a balance of {$1700.00} approximately. When I spoke with a representative on the phone she stated they had called me several times but did not leave a voicemail, that the company would not leave voicemails.
I ended this account XXXX, l made sure account was up to date. Did not want problems getting a new account XXXX. Anyway this is XXXX there is the statute of limitations. 4 years
I had use money international transper from citi prepaid bank, it 's already more than  XXXX  weeks I do n't receive my money,,
I am disturbed that the Credit Bureaus Experian and XXXX  continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar days.
I purchased an XXXX Computer, an XXXX, and was induced to purchase the product on an 18 month deferred interest payment plan on the Barclay Card. So I opened the XXXX/Barclay Card account, when through numerous steps both online, at the XXXX XXXX, and over the phone with Barclay to make sure I was eligible for and had received the 18 months deferred interest payment plan. I was told several times that the deferred interest would show up on the next Barclay Card statement. It never did and they have been charging me interest on my payments for 13 months.
My   XXXX   credit bureau was pulled by  Santander Consumer USA  on  XX/XX/2015   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
I originally, purchased a XXXX XXXX XXXX to XXXX XXXX XXXX dealership/rep. was XXXX ( email att. ) leased thru XXXX XXXX XXXX.   Months after I returned the XXXX vehicle and got a new lease at same dealer for a XXXX XXXX XXXX XXXX in XX/XX/XXXX, I started getting billed for the first lease charge of approx. {$2000.00} ( see att. ). In XX/XX/XXXX, I filed bankruptcy but continued to pay my XXXX new vehicle lease. I have called XXXX on many occasions to correct payments from being applied to the XXXX account instead of XXXX and also missing payment not accounted for via email ( copy att. ) without response. They will not provide me required info because of my status, but have sent me an illegible statement of payments and incorrect two statement thus far, this has been ongoing now since before the BK was filed.
Date:XX/XX/2017 Company : TransUnion Situation : The company supplies the free credit report without a fico or any sort of credit score. When trying to obtain a credit score, the company forces you to click on a link to " view credit score '' which they then automatically sign you into a {$19.00} per month subscription without warning or confirmation of payment. They first ask for credit card information beforehand without any information as to why ( i.e. no amount to pay shown ). Because one has been primed to supply private information for credit report, one is led to believe this is just another step to obtain a credit score.
When I noticed the charges, I had to call and cancel to get a refund. Others may not have paid attention to this and may have recurring payments to TransUnion.
The website was accessed by requesting a free credit report from : XXXX and choosing TransUnion.
I 've never received information regarding the nature of this debt or proper signed validation of this debt from this credit agency. Also when researching who this company is I learned that they are n't licensed in the State of Tennessee to collect debt. Their license has been suspended since XX/XX/2017. Collecting a debt with no license is illegal.
I have submitted a dispute to Equifax for the last past few months involving identity theft and they refuse to block the fraudulent information. I have sent a copy of an identity theft report along with a police report and the status of the account has not changed. XXXX and XXXX has acted and removed the information already.
I have disputed a collection on my credit report and it was verified with Equifax. I sent a debt validation to the collection company. The collection company sent me a print out on their letter head, using my current mailing address, my first name, someone else last name. This was previously deleted because the collection company could not verify. I have never had an account with XXXX and I have no idea who they are. I find it odd that Equifax can verify this and our last names do not even match.
Ocwen Mortgage agreed to a repayment plan since I had fallen behind because my husband had XXXX and we had gotten behind. Down payment of {$3000.00} on XXXX XXXX, 2016, and equal payments of {$1100.00} for 5 months. I paid XXXX and XXXX payments early, but I had to be late on XXXX and called them and they said that was fine. I made that payment XXXX XXXX, 2016. Then I stared receiving calls and ugly letters telling me first that I had not paid XXXX payment, then the next person said XXXX payment. I have been on the phone all day speaking with different people. They revoked the repayment agreement because I was late and have my money sitting there. Finally I spoke with a really nice guy who got them to reinstate the loan with my regular payment, but I have n't made the XXXX payment yet because they have taken part of what I sent and made it the XXXX regular payment, even though I sent them {$1100.00} for the XXXX payment and they will apply {$480.00} as soon as I send them {$170.00} to complete the XXXX payment, even though I sent the XXXX payment of {$1100.00}. The guy I spoke with today said it was noted I called, but they have the right to revoke if your even XXXX day late on a repayment option. I also received a notice this week that they are taking out insurance on my house. I have told them repeatedly that the escrow is to cover the taxes and insurance. Our loan was originally with Homeward Residential and it was in the paperwork. I have since lost my paperwork and Ocwen claims there is nothing about it.