WillisBack/dataset-financial-user-claim huggingface dataset:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX
I had disputed this Bankruptcy and requested validation that this Bankruptcy belonged to me and I requested the name of the persons who validated this information. Experian ' s response was they verified it.. First of all verification is NOT validation and the law requires the consumer is entitled to validation and what process to do so. Is used. The Bankruptcy court does not validate to the credit bureaus. That was made very clear to me when I inquired through the United States Bankruptcy court. I was not provided any information regarding validation which is proving something with my signature. I am requesting that the Bankruptcy listed under my credit file be deleted immediately since they can not validate it. Also since I disputed it with the credit bureau, they have my online access to my credit report and stated I have to get it through the mail. This action is deliberate because I disputed this issue with them online.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Day Late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
In XX/XX/XXXX I moved back to XXXX from XXXX. XXXX was my cell phone carrier at that time. Before moving back the USPS stopped allowing XXXX XXXX. to have PO BOX 's and in turn all mail must be addressed to a physical address. XXXX was notified. I had also changed my mailing address to reflect my move 2 times online with XXXX to reflect XXXX XXXX. Their " system issues '' as described to me on the phone were rejecting my updated mailing address that I had before leaving XXXX to move back to XXXX. After my previous phone died, I decided to utilize the " switch to XXXX '' promotion and " we will pay your early termination fees up-to $ $ $ amount. While you also get to keep your current phone number '' After I had paid my last bill I had called XXXX 2 times, the month of and the month after, both individuals knew of the ordeal and reassured me that I did n't owe XXXX anything, XXXX covered all remaining charges. XXXX needs to provide these phone recordings in order to proceed, along with verification that they did, mail paperwork regardless of paperless billing- that I did not receive at my mailing address in XXXX XXXX. showing that I owed XXXX any balance. Both family in both states have not received paperwork from XXXX stating that I owe them anything. I have had an excessive amount of advertisements sent to my mailing address in XXXX XXXX since I switched to a reliable carrier this past summer of XX/XX/XXXX.  The collections agency 's trying to contact me have been XXXX by phone in XXXX XXXX. and North Shore Agency. Both who have not been able to mail to the correct address in XXXX, or as XXXX even mailed anything to me in XXXX  or XXXX. My family would defiantly have let me know and either forwarded or called to provide me the information.
I contacted experian on the XXXX to advise them that XXXX XXXX XXXX agreed to delete account XXXX. I was told to send the letter via fax to fax number XXXX XXXX XXXX. I did so on the XXXX  along with proof of payment. I called Experian today on XX/XX/XXXX because instead of deleting the account as XXXX XXXX XXXX agreed they update the account and give a XXXX excuse that they haven't gotten to the faxes from the XXXX but yet update my account either yesterday the XXXX or today the XXXX. I check my report religiously.
XXXXMY HUSBAND AND I HAVE BANKED AT CITIBANK FOR AT LEAST 25 YEARS AND WE HAVE NEVER BOOUNCED A CHECK. SINCE XXXX 2016, WE 'VE RUN OUT OF FUNDS FROM ONE MONTH TO THE NEXT. FROM XXXX to XXXX 2016, MONEY HAS BEEN MISSING and IN XXXX SEVERAL CHECKS HAVE BOUNCED. ON XXXX OCCASIONS, A TELLER WOULD GIVE ME MONEY BACK FROM ME CASHING A CHECK ( HANDING ME THE MONEY WITHOUT COUNTING IT IN MY PRESENCE AND ON XXXX OCCASIONS, WITHOUT LEAVING THE WINDOW, I COUNTED THE MONEY IN HER PRESENCE AND EACH TIME {$10.00} WAS MISSING AND I TOLD HER THAT {$10.00} WAS MISSING AND SHE ACTED AS IF SHE WAS LOOKING AROUND HER AS TO WHERE IT MIGHT BE AND IT WAS UNDER SOME PAPERS AT HER DESK. I HAVE REFUSED TO GO TO HER WINDOW FOR HELP. THE LAST TIME THAT I CONFRONTED HER SHE BECAME BELIIGERENT AND TOLD ME THAT IF I DID N'T GET OUT OF THE BANK, SHE WOULD HAVE SECURITY TO ESCORT ME OUT. AS I SAID PREVIOUSLY, I HAVE BANKED AT CITIBANK OVER 25 YEARS AND HAVE N'T HAD A MOMENT OF BANKING PROBLEM WITH OUR MONEY, NEVER HAD A CHECK BOUNCED. AS SOON AS I CORRECTED THE PROBLEM BY PUTTING MORE MONEY IN THE ACCOUNT, THE MONEY WAS GONE AND OUR ACCOUNT WAS IN THE RED AGAIN. IN MY HOME, I AM THE ONE THAT HANDLES " ALL '' OF MONEY TRANSACTIONS, INCLUDING DEPOSITS, CHECK CASHING and ANY WITHDRAWALS. MY HUSBAND HAS " NEVER '' HANDLED ANY OF THESE SERVICES BECAUSE ALL OF IT ( SINCE MARRIAGE ) HAS AND IS HANDLED BY ME. HE HAS NEVER WITHDRAWN ANY MONEY. I BROUGHT THIS MATTER TO THE ATTENTION OF THE MANAGER OF THE BRANCH WHERE I BANK. THE MANAGER SAID THAT CITIBANK WOULD BE INVESTIGATING THIS SITUATION ALSO. HE SAID THAT HE HAS RESTORED A COUPLE OF FEES THAT I HAVE RECEIVED. I AM UNABLE TO POINT OUT ALL OF THE RETURNED FEES THAT I WAS TOLD HAD BEEN RETURNED. PRIOR TO BANKING AT CITIBANK, I BANKED WITH " XXXX XXXX BANK '' AT LEAST 15 YEARS AND THERE WAS " NEVER '' A PROBLEM WITH ANY MONEY CONSIDERED MISSING OR THE INABILITY TO KNOW WHERE THE MONEY WENT. AT XXXX, ALSO, THERE WAS " NEVER '' A TIME THAT A CHECK BOUNCED. I HAD MONEY IN SAVINGS ACCOUNTS THAT HAD BEEN THERE FOR YEARS THAT I HAD TO USE AS WELL AS MONEY THAT I HAD RECEIVED FROM MY DECEASED MOTHER OVER XXXX ( XXXX ) YEARS AGO THAT I HAD TO USE TO COVER MY CHECKING ACCOUNT WHERE THERE WAS SUPPOSE TO BE MONEY. I HAVE DEPLETED ALL OF MY ACCOUNTS AND MONIES THAT I HAD AS " SAFEGUARDS '' or " EMERGENCIES '' THAT I NEVER HAD TO USE. NOW, AS I THINK ABOUT IT, I BELIEVE MONEY HAS BEEN MISSING OVER QUITE A PERIOD OF TIME, BUT I USED WHERE NECESSARY AT ANY TIME, BECAUSE THERE WAS ALWAYS A SURPLUS AFTER PAYING BILLS, ETC. I AM GRATEFUL FOR ALL OF YOUR HELP TO GET TO THE BOTTOM OF WHAT HAS BEEN HAPPENING TO OUR MONEY. PLEASE CONTACT ME IF MORE INFORMATION IS NEEDED.
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 Banking XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
XXXX Equifax and XXXX continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. XXXX   and Equifax updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXXXXXX XXXX   CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 XXXX   Equifax and XXXX continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. XXXX Equifax and XXXX has NOT sent requested information provided to their companies by XXXX XXXX that they use to continue verifying my CR.
The company name is Santander auto loan .Due to I stay w out job I call and also went to XXXX XXXX in Person to to try to lower the payment and they said no Santander is part of XXXX I call voluntarily Santander to come and get the car is been almost 8 still on my credit also
Ever since Navient took over my loan and the Obama administration offered new loan repayment options, I have been to trying to qualify for the various early loan repayment programs. Navient consistently gave me numbers and amounts that far exceeded what I could pay in relationship to my take-home pay. So I continued to pay the 30-year repayment terms. I am a teacher and tried to qualify for the public servant repayment option, but the numbers just never worked out when I contacted Navient. With all the recent news about Navient possibly mishandling borrower 's accounts, I am now wondering if I ever got a proper repayment quote.
In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX 's employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.
I have repeatedly requested that The Best Service Company provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Experian will not help me during disputing FALSE information on my credit report. I am registered with XXXX XXXX XXXX XXXX, a credit counseling company for the last 3-4 years. I pay on time every month, yet on my credit report these 7 accounts show as closed / charged off / and no current pymts for last few years. I am being denied mortgage refinance and car loan because of these False lies. Can you help me!!! Experian has no working telephone number that lets you reach a live customer service rep. I don't think its fair they can put false info, avoid reporting I pay on time every month for last several year on my report ans show. One example of the 7 accounts is below so you can see all 7 are  the same with different accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account was in dispute-now resolved-reported by subscriber Charge-off Balance {$0.00}
I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately.
XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX  Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. Thank you,
On XXXX/XXXX/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my 3 credit reports. I 've already reached out to them directly but to no success.
In, XXXX I pulled my credit and found that I had a debt to the Ohio XXXX Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all three agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed XXXX but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast XXXX times. I attempted to dispute this week online XXXX XXXX, XXXX and I get a message stating that it can not be disputed XXXX times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General XXXX and collection and the XXXX XXXX Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by XXXX agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the 7rys limit for paid tax liens. ( this is now 9 years that they bureau has been reporting this as unpaid when it was paid in XXXX, below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so
My husband and I started out with a home mortgage with   XXXX   XXXX   in  XXXX , then it was sold to  XXXX , then to   XXXX   XXXX   XXXX  , In   XXXX   XXXX   we got a letter telling us we should send our payments t o OCWEN Loan S ervicing, and we can not send enough money to these people. They are very unprofessional and have ripped us off so many time we have lost thousands of dollars just to stay in our home.We can no longer substain, this as we both are retired, and living on a fixed income.   XXXX   XXXX  , they sent my check back saying not enough funds.We have tried to refinance and they block us every way we go, so please help us or give us some advice as what can be done with our circumstances. Thank You!
To whom it may concern, SPS I did all I know to do to resolve this issue, I went to my lender got help per divorce degree I was given one year to get the mortgage out of my ex-husband 's name. My modified loan was given to me on my income I have been with XXXX staff for 11 years, The bank required my divorce papers to let me continue with my modification I started with only my income and the payments were done off of that, My ex-husband would have never qualified he makes XXXX to XXXX, I have done everything the bank asked, he quick deeded his interest I pay the taxes I am the only one since XX/XX/XXXX who has tried to take care of this, At this moment NV is flooding my house has water up to the subfloors for 15 yrs I kept flood insurance, since I 'm unable to get homeowners insurance and I 'm unable to continue with a modification that was illegally canceled per court order I 'm left again me and my house held hostage by my servicer, I had no idea a bank or a servicer did not need to obey a court order from the state of NV. I will go get my divorce papers modified, my ex-husband will be held liable for going against the court order and for my servicer I have never turned my back on you or my mortgage, I just never knew a servicer did not need to follow the same law as I do. I am sorry we could not fix this sooner. I will write to my NV congressman and ask why judges write such orders in divorce and servicers and lenders do not need to obey the laws that all of us in America half to obey or go to jail. I never stopped trying to fix this mess I could have done so years ago why no one from SPS or XXXX told me about what my ex-husband had done with our mortgage I would have fixed it please understand my frustration. 
XXXX XXXX XX/XX/XXXX
I received notice that my wages are being garnished. I received no paperwork concerning the " judgement '' that was issued. It was my understanding that I was to be served paperwork concerning the judgement. To this day, the only paperwork I received was from employer informing me of this garnishment. I do believe that the garnishment is illegal since no judgement paperwork was never served on me at either my residence or place of employment
When I was in high school and living at home I had a XXXX account with my brother. I eventually moved out of the house, and called XXXX to be removed from the account. At the time, I thought I was covered for good. Just a couple of months ago, XXXX shows up on my credit report as a collections entry. I called XXXX to ask them what the problem was, as I should n't have been on any accounts for the last nine or so years. The first time I talked to them, the representative basically said they were able to fix the mistake, and that the entry would be taken off my credit report in about a month. After it had not been removed after around 40 days had passed, I called XXXX again. This time the representative said there was no notes about a previous call, and that I still owed the balance due. I reiterated that the balance should not be attached to my name at all. He lowered the amount due, but would not remove the report from my name. I should not owe any money to XXXX, but they are XXXX up my credit report with an old bill that should never have been mine to begin with.
they are calling my family members, my job my cell phone and they are calling everyday, more than 5 times a day for the last two weeks.
unsolicited recorded call for dept collection. my number is on the do not call list, and have no outstanding consumer dept. 
Company name is RSI XXXX
In early XX/XX/XXXX, while filing XX/XX/XXXX taxes, I realized that my private loan XXXX statement had no interest claimed on it. Upon further research into my payments ( interest amounts etc ) and research into obligatory reporting by lenders I found that several thousand dollars in interest SHOULD have been reported and were not. I contacted Navient, the lender and after sending them paperwork verifying that I was a XXXX XXXX XXXX AND the money was used for tuition/school related expenses ( they claimed it was not ) they did in fact issue an amended XXXX for XX/XX/XXXX. 

Realizing this had been the case for XX/XX/XXXX I then researched what interest I claimed on my taxes for XX/XX/XXXX for my private loans serviced by Navient. Although I was in school for part of the year in XX/XX/XXXX and had deferred my loans I still had payed well above the {$750.00} legally required for it to be reported ( in fact I paid close to {$3000.00} that year as well in private loan interest ). I made another phone call and they requested I submit the EXACT SAME FORM I had already submitted for XX/XX/XXXX-in fact there was nothing, whatsoever, that would have differentiated these 2 forms. Initially I was resistant to doing this again as it involved faxing these forms at MY expense of time and money to them and they already had signed proof that the money they loaned me was used for school while I was a XXXX XXXX XXXX. Over the course of XX/XX/XXXX through now ( XX/XX/XXXX ) I contacted them at least twice a month and submitted these forms for XX/XX/XXXX not once but twice and they have still not provided me with an amended XXXX for XX/XX/XXXX. Most recently I contacted them on XX/XX/XXXX and they said the form would be available by XX/XX/XXXX- this did not happen. I called today and they said it would be sent by email within 24-48 hours, the same story as all prior phone calls. Each time I call they tell me in 24-48 hours I will get an email with the amended form or that it will appear in the tax statements section of their website when I log in. I have spent many many hours on hold and on the phone with them for a form they have a legal obligation to provide to me with the correct interest amount on it and I believe they are simply running me around.