WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax is showing I have  XXXX  accounts in collection status with  XXXX   XXXX   XXXX   XXXX .      XXXX   XXXX   XXXX  has submitte d 1 d eletion request for each of the  XXXX  accounts and I have copy 's of all  XXXX  letters. I have also mailed via  USPS  the deletion letters as well as uploaded them to Equifax.     Equifax refuses to remove the inaccurate accounts from my credit report. This has been over the course if of two months with multiple phone calls, emails, mail requests from myself and the original creditor. as well as online disputes.     This needs to be corrected.
I have contacted Equifax several times now. By phone to their ID Theft / Fraud department. Also by email. By online dispute, by mail. Nothing is resolving the Identity theft that has occurred on my credit report that EQUIFAX Refuses to block. Per the FCRA you have a right as a consumer to request any fraudulent accounts and or debt collection efforts to be blocked if you are a victim of Identity theft. They have been notified of such accounts and yet refuse to block these accounts from my credit files, even though other reporting agencies. XXXX, and XXXX have already blocked the information.

I want the XXXX XXXX XXXX XXXX  accounts blocked. I did not authorize these accounts, i did not benefit from these accounts. You are reporting these inaccurately then advising me these are my accounts. Per my AFFIDAVIT I am a victim of ID Theft. As a consumer whom has been a victim i have a right to request the fraudulent account be blocked from my credit file. I am exercising this right.

Lastly there is a account from XXXX XXXX XXXX that i did not open. I also did not receive benefit from this account and discovered this account after my wallet was stolen and my ID was used to open this fraudulent account. Additionally all of the XXXX XXXX XXXX XXXX XXXX accounts are fraudulent. I did not open any accounts with XXXX XXXX XXXX XXXX XXXX. I have never opened an Auto Loan with them, Nor have i opened any credit cards nor a line of credit. All of these are showing as Charged off. These are fraudulent and i want them blocked from my credit file immediately. There is also an account with XXXX XXXX XXXX that XXXX XXXX has verified that is fraudulent since i have already reported identity theft to XXXX XXXX. They solved this with their Online Fraud Department and their Identity Theft Operations departments which verified i am a victim of ID theft and they stated they would remove it from my credit file immediately.

Additionally you are showing a XXXX XXXX  credit card. This was also opened fraudulently. I am working diligently with these Card companies. I want this information blocked from my Equifax Credit file per the FCRA requirements since i am a victim of Identity theft and i am providing you with a Law Enforcement Affidavit below. Please update your files immediately and send me a new credit report with the blocked information deleted.
I had filed chapter XXXX bankruptcy in 2008. It was disharged in XXXX of 2008. In the bankruptcy we had initially reaffirmed a home equity loan that we had with. JP Morgan Chase. Our attorney recommended that we do not reaffirm the loan. We had origially reaffirmed on XXXX/XXXX/2008. My attorney then sent a a letter to Chase recinding the reaffirmation on XXXX/XXXX/2008. This is well within the 60 period to recind reaffirmation and well before the bankruptcy discharge date of XXXX/XXXX/2008. At this point it has been over 7 years since the bankruptcy filing and Chase should discontinue reporting the account to the credit reporting agencies and have the account deleted from the credit reports. This needs to be done to be in compliance with FCRA. Please contact me if you need any additional information.
My husband and I were working with XXXX with Hancock Mortgage and asked if we should cancel the contract on a house we were looking to purchase because of some credit issues. XXXX told us no, do not cancel because he had the deal done after we paid a few things off, which we did EXACTLY what he told us to do. After we paid an auto loan off ( of more than XXXX $ ) he told us he had submitted our file to the VA and we had to wait on the clear to close from them. Two weeks went by, and I was asking on a daily basis if he had heard anything from the VA and he kept telling me no nothing yet. The final extension was about to expire on the contract and then out of the blue XXXX informed us and our agent, XXXX XXXX, that the file " never left the processor 's desk '' - meaning, it was stuck under some paperwork and was never submitted to the VA for approval. Because of this, he lied every single day that I or my agent asked him about the file. Each and every day he continued " he was watching the VA portal and it was still pending ''. How could it have been pending if it was never submitted? Because the seller 's agent refused to do another extension they wanted the contract canceled. My agent sent paperwork asking to release our earnest money but the seller 's refused because of the time it was off the market. Mind you, this was n't our fault. We did everything the loan officer told us to do and we were told we were waiting on the VA for the final approval to go to the closing table. So, we ended up negotiating {$350.00} split between us and the sellers. But, it is n't fair that we lost our money at all because I had asked XXXX multiple times should we just cancel within the time frame so that we would n't lose that money, we were n't in a position to lose {$700.00}! He kept promising me everything was ok ( including the real estate agent ). And, I feel that since they were the sole reason we lost the {$350.00} that they should reimburse us this amount. The mortgage company did reimburse us the appraisal fee but refused to reimburse any other fees " because that 's real estate for you ''. Yet, if they had n't lied and were n't deceitful towards us we would n't have been out any money what so ever. XXXX XXXX tried making me feel bad they he had to pay for a " rapid rescore ''. I did n't ask for the rapid rescore. My husband and I were given a very specific list of things to tackle for XXXX to approve the loan. We did EVERY SINGLE ITEM ON THIS LIST and was still lied to throughout the entire process. I want my {$350.00} that my husband and I are out.
My credit was checked for a home refinance and at the time I was informed that my name is on collection. All my bills are always paid on time. I had never received an attempt to collect a debit. I have tried to communicate with the company listed on my credit report but was unable to find any contact number. I sent a written letter to the POBox provided on my credit report on XX/XX/XXXX but they have not replied to me. 
Collection Agency : XXXX XXXX XXXX XXXX XXXX address XXXX, XXXX, MA XXXX Opened date : XX/XX/XXXX Past Due amount {$390.00} Original creditor : Medical Payment data : Medical I have also contacted all my doctors and the hospitals that I had services on and all of them reported to me that I do not  have any outstanding balance.
I am sending this complaint against Navient and Navient Solutions Inc. Originally, my student loans were with XXXX XXXX when I was enrolled in school. They were later sold to Navient. After Navient took control of my loans I was never notified by phone or mail. I received a copy of each one of my credit reports during the process of pre-qualifying for a home. At that time they were already reporting late payments to all of my credit reports. I immediately contacted Navient in hopes of securing a payment arrangement that would bring the accounts current. I was presented with a large monthly payment of {$1100.00} and I asked for a reduced payment plan based on my income ; which is what I was receiving for my Federal Student Loans with the Department of Education. Navient agreed and bought the payments down to $ XXXX monthly for all XXXX loans. Upon payment received by Navient, they were still reporting to all XXXX credit bureaus that I was delinquent. I 've disputed these late payments and accounts with both Navient and Navient Solutions several times over the past 3 years. I have not been successful. As a result my mother is not being garnished of her XXXX XXXX Check because she was my co-signer. When asked, Navient or Navient Solutions have not provided proof of loan amount due. Navient and Navient Solutions are reporting to my credit reports that accounts are closed with XXXX balances with late payments.
Back in XX/XX/XXXX there was a really bad Hurricane and i was in contact with Caliber mortgage about my mortgage payment almost every week. The reps on the phone kept telling me that due to the natural disaster that we did not have to make our monthly payment. Than i checked my reports and they reported me 30 days late. I than called and the rep said that if i disputed the alleged late pay that they would correct their mistake. Well i disputed it and they still have me as late.
I took out a mortgage XXXX XXXX XXXX from PNC Mortgage. I received a copy of the Promissory Note, alone with the the State of Wisconsin NOTARY PUBLIC. The document that i have received is a forge document. It is not my or my wife signature. The names are spell wrong. The document state that i appeared before XXXX XXXX XXXX on XXXX XXXX XXXX and her commission expires XXXX XXXX XXXX this is not a real NOTARY FORM. I took this loan out on XXXX XXXX XXXX. How can i appear on XXXX XXXX XXXX. PNC NO RESPONSE
I informed bankunited years ago, and they posted it on my account that I could not make my {$23.00} per month in late fees which has now reached {$830.00} I am XXXX years of ageand have never been late, when social security deposits my check into my checking account on the XXXX wednesday of each month, the first thing i allways do is pay my mortgage.the late fees are adding up and there is no way to reason with bankunited as they are for the bank.please, please see if you can help me because with bankunited taking advantage of me, I can never get ahead.
Good Day Team CFPB, On XX/XX/XXXX I had a procedure done at XXXX in the amount of {$4700.00} which was financed by CareCredit / Synchrony Bank. In early XXXX, approximately 6 months after the XXXX, I contacted XXXX about my concern the procedure did not work. The staff and doctor advised to wait a few more months and I would see results between 6 and 9 months. 

In XXXX I scheduled a XX/XX/XXXX visit ( 10 months post op ) and met with the staff and XXXX XXXX. At that time, he advised it could take a full year and to comeback in XXXX. I didnt feel reassured about his statement as this was the same Doctor who said you will see results by 6 months. 

About 2 weeks later, I contacted my finance company a week later and requested a dispute on the financed charges which Synchrony logged. 30 days later I was informed I lost the dispute. Synchrony listed it as a price dispute which wasnt accurate I explained I was arguing about a faulty defective product. I called Synchrony after receiving the turn down letter to which I was informed I  needed to meet with XXXX and the Doctor again as there was nothing they could do. I questioned given theyre the finance company and I was sold a defective product. Begrudgingly, I setup a 2nd appointment and attended on XX/XX/XXXX a full year + after my procedure. Again no resolution from XXXX as I requested my money back. After leaving their office, I contacted Synchrony again to request a dispute.

At this time, Im not confident I will receive my money back and only have a short window remaining till the promotional expiration. Im requesting assistance to recoup the amount of {$3600.00} remitted to Synchrony as of XXXX and not be liable for the remaining balance of {$1100.00}. 

I appreciate your assistance.
Hi. I disputed some closed accounts that I'm no longer responsible for on XX/XX/2018 and it's still under investigation and nothing has been updated.
XXXX {$460.00} and XXXX {$120.00} and XXXX XXXX XXXX {$300.00} I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with 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.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
This is phantom debt contrived by a criminal enterprise originally located in XXXX XXXX, NV. This was initially thought to be identity theft but is actually mail fraud. A complaint has been filed with the XXXX. XXXX inspection XXXX. This is report C # XXXX The initial letter dated XXXX XXXX, XXXX was from XXXX XXXX XXXX XXXX XXXX stating that XXXX XXXX had purchased an account from XXXX XXXX Bank for {$690.00} and I now owe this money. This is fraudulent. I have never heard of any of these companies. 

XXXX has provided me with the following : XXXX XXXX, XXXX XXXX XXXX XXXX, SC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX Bank XXXX. XXXX XXXX XXXX XXXX, NV. XXXX The next XXXX XXXX XXXX XXXX letters have come from Resurgent Capital Services XXXX. XXXX XXXX XXXX MI XXXX demanding payment and personal information. This collection agency also has many other names and XXXX but no physical addresses. 

These are criminal enterprises as can be seen from the internet- XXXX.I have also filed a complaint with the credit agency XXXX XXXX I have not and will not send any money. I have the originals of all letters. 
Thank You
I went through a non-gov't loan modification with Wells Fargo in 2009 when I was laid off due to reduction in force. I ended up paying more and they took 2 years off the beginning mortgage and added 4 years to the back while increasing my interest rate. I do not recall anyone saying my interest rate would change. Also, they are reporting me to the credit bureaus as late payments although I have n't been late in over 3 years.
XXXX XXXX XXXX is reporting false claims of late payments to my credit and the car has been deemed a total loss since XX/XX/2018. They have provided false information to XXXX XXXX slowing the claim process. I also had to contact the company multiple times to retrieve documents for XXXX XXXX and gap insurance. One representative told me that my account was being put on hold to prevent anymore negative reports and they still have reported these false claims.
Hello, Was sent offers in the thousands of dollars, by these companies who claiming I was Pre-qualified for a loan, after applying for a loan from one of these company, suddenly I get turn down and they saying no longer qualified for any loan, with that company. 

Not understanding, what Pre-qualify me in the first place when they made an offer of a loan.? These called predatory loans, and false offers, on person like me.. 

I'm not new to this office, I recently complained before. My complain number is:XXXX. In that case the decision sent to me XX/XX/2017, about my complaint, I'm very displeased with your decision, and moreover, your response offered no consolation to my complaint. 

However, I continued to get offers in the mail with offers over and over again, especially from XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Pre-Approved for {$30000.00} and so. 

These companies are collecting personal information only, not really lending, and the government needs to do something about it, and place a stop to them.
After many years of enduring the difficulties of dealing with Greentree, now Ditech Mortgage, and paying their very high interest rate. My wife and I were able to improve our credit standing and refinance the high interest loan to a much lower rate with a local financial institution. We obtained a payoff letter from the Ditech website and our new company sent the funds as calculated by Ditech. The payoff amount was posted on XXXX XXXX, 2016. Instead of applying the total amount of the payoff to the principle portion remaining, Ditech applied {$1700.00} to the XXXX payment, and then the remaining portion of the payoff amount to the principle balance. Now they claim we owe an additional {$250.00} and change to pay off the remaining balance. Why would they not just pay off the remaining balance, the amount they gave us in the payoff letter?? Because applying it as a monthly payment creates just the scenario I have described. Once again Ditech/Greentree has exhibited the pattern of predatory lending practices, and their desire to charge customers every pound of flesh that they can.
I closed a CD on XXXX XXXX, 2018. I never received the money from Ally Bank. Repeated calls, completion of lost check form has not made a difference. 

I have been lied to several times. On three occasions I was told the check had been overnighted. Most recently I was told the money would be returned to my account and reissued. 

Ally Bank owes me {$200000.00}. No one at the bank has taken responsibility. 

My case number with Ally Bank isXXXX
on XX/XX/XXXX a person stole my wallet and charged on my credit cards, the bank help with those charges. I put a fraud alert on my credit for 7 year. But my credit report shows in my personal information addresses I live in XXXX, California. never been in California. Now I got a letter from Southwest Credit collection agency collection bill from XXXX XXXX XXXX for {$1300.00} from XXXX, Ca. I don't know how that happens I have fraud alert since XX/XX/XXXX. the same person is renting with my SSN
THIS IS NOT A DUPLICATE COMPLAINT - READ THE ISSUE AND REQUEST, THANK YOU. On XXXX XXXX, XXXX I received letters from XXXX XXXX and XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days, however I received a form letter and no contact information for a follow-up. I did not receive a copy of the paperwork requested that shows I opened this account, my signature, and the name of the Wells Fargo rep that assisted in this transaction. PLEASE NOTE : I have also sent MULTIPLE inquiries via email to several financial investors at WELLS FARGO and never received a reply to my requests. 

A Wells Fargo rep in XXXX, CO, XXXX, assisted with my investment request to open a XXXX IRA investment account - number XXXX ( XXXX XXXX ). The Wells Fargo branch rep told me this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers I feel that the branch has deliberately scammed me. Wells Fargo gives me the runaround by every branch I go to and it 's clear that Wells Fargo took my money, is using it interest free, while taking advantage of the fact that they can get away with being evasive. I never received a copy of the paperwork when signing up for this account. I have no paperwork from Wells Fargo about this account except the account number and tax statements. I expect a copy of the paperwork for the opening of this Roth IRA and I expect Wells Fargo to explain why this account was not placed as an investment as requested at the branch upon the opening of the account. Thank you.
I had scheduled an ON TIME payment in full on their online banking before my XX/XX/XXXX due  date. However, before that date, I closed a checking account, which had nothing to do with my credit card, nevertheless, that apparently changed my relationship with the bank, which changed my " profile '' which then triggered them deleting my " pay from '' account associated with my credit card, which in turn deleted my ON TIME scheduled payment. On XX/XX/XXXX they assessed a {$25.00} late fee as a result and after two discussions with a CSR, they will not reverse the charge. I find this practice of a profile change that caused a deletion of a " pay from '' account malicious and intentionally coded into their system.
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
I called Netspend and was told I could n't open a account because I have to many cards open. I told the representative I lost my DL, bank card and social security card back and 2010. I never open cards with them and I would like to. I was denied.
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was turned over to XXXX XXXX in XXXX of XXXX the payment where made on time by them but XXXX XXXX continued to show late for XXXX, XXXX, XXXX and XX/XX/XXXX XX/XX/XXXX
I have written as suggested by the CPFB to 2 different lenders revoking my ach authorization. As suggested I went to my bank, Bank of America, with copies of my revocations more than 3 business days in advance to notify them that I had revoked my authorization and they would not even acknowledge the correspondence. In fact they acted as if they never heard of Reg E, would not place a block on any or all debits from my account and said if something happens I can file a dispute then. The branch rep went so far as to say " we have washed are hands of these things, and leave it up to the consumer to figure out. ''