WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/15 I ordered the Equifax 3-Bureau Credit Report and Scores at the advice of my potential mortgage broker to see if there was a chance that I would qualify for a loan before the broker pulled my scores. He advised this so that I would not have a hard pull on my scores unless there was a chance. I ordered the product above to get the scores from all three major credit bureaus. My scores were Equifax - XXXX, XXXX - XXXX, and XXXX - XXXX. Upon advice from my creditor I applied and he pulled my credit to do a per-qualification. When he received my scores, they were Equifax - XXXX, XXXX - XXXX, and XXXX - XXXX. I was in shock when the Equifax score was almost XXXX points lower than what they quoted me when I paid for the scores. Outraged, I contacted Equifax and they replied that the credit scores they sold me were for education purposes only. ( See attachment ) I did not pay for an education ; I paid for my true credit scores. Now I have a hard hit on my credit under inquiries because Equifax lied and outright misrepresented selling me, AND OTHERS, a credit score that represents NOTHING and is false. Moreover, the credit score that they sent my creditor was damning to my request for a loan and XXXX to XXXX points lower than the other agencies whose scores were only XXXX points different. Equifax should not be allowed to indiscriminately post scores that are so far skewed from other major agencies. It is as if there is absolutely no regulation, accountability, or accounting of the scores they post ; scores that can cripple consumers! I am a veteran. The VA takes care of us, but who regulates the credit bureaus? Obviously no one. If they are going to market these fictitious scores then they should be mandated that they have to BOLDLY warn that these scores are not even close to the real FICO scores that consumers really need to know, NOT some fictitious score misleadingly referred to by them as EDUCATION. Equifax 3-Bureau Credit Report and SCORES is a scam based on fraud when they fully know people need to know their true FICO score.
When reconciling my account at Wells Fargo, I noticed that there were identical charges listed. Scanning back in time I found several duplicate entries. 

I found duplicates on XX/XX/XXXX for two locations, and then on instance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I contact Wells ' customer service and was told the would be 'researching the issue '. They issued a provisional credit to my account, and some weeks late the 'provisional ' nature was removed. 

I'm writing because I believe it's unlikely that my account is the only one in the country having this experience.
On XXXX/XXXX/XXXX, I called XXXX because I notices an entry from them on my credit history. I spoke to an agent and learned that there was still a balance on my account from when I moved out in XXXX. I paid the full amount and asked that I be sent confirmation of payment. After 60 days, I followed up, in XXXX and asked that a satisfaction of debt letter be sent to me. At that time, I was assured that the listing would be removed from my credit report. In XXXX, I pulled my credit histories and found that the listing was still on my account. I called them on XXXX and was assured again that the listing would be removed and that the delay had been caused by a merger with XXXX. I was also told that they are not the holders of the debt and should never have collected the debt from me in the first place. I argued, saying that, in fact, they gladly collected my money and assured me that they would remove the negative listing. Finally, I was told that they would have the mark removed. To date, XXXX is still listing a negative mark on my credit history despite 6 months of promises to remove it. I am complaining both to have this listing removed and because this kind of willful negligence of their reporting responsibilities is unacceptable and needlessly damaging to me.
XXXX is not responding to any of my requests to investigate, verify and remove fraudulent, unauthorized inquiries from my credit report that were not initiated by me.
In XXXX XXXX XXXX XXXX began foreclosure proceedings on our home at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. We fought the foreclosure but lost and our home was scheduled to be sold at auction. We were contacted by XXXX XXXX XXXX before the sale and given the option to enter into a loan rehabilitation program that would allow us to keep our home and get out of foreclosure. The program was for the year XXXX and at the end of the year our original loan would be modified from XXXX to XXXX but the interest rate would remain at 9.99 %. We successfully completed the program and our loan was transferred to Nationstar. We have been making our mortgage payment on time for the last four years. We recently attempted to get a refinance on our home and were told that we did n't own it. County records showed that our home was actually sold at auction while we were in the rehab program. The deed to the property is not in our name but the mortgage note is. We were told by lawyers that we are essentially renting our home and could legally be evicted at any time and still be held responsible for the mortgage note. We contacted Nationstar to attempt a resolution to this issue and were told the best they could do was put the deed back ion our names after we had finished paying off the note. The lawyers told us the best solution would be to file a complaint with the state and the state referred us to you.
My loan started off roughly at about {$17000.00} back in XXXX. It is now XXXX XXXX and at this point my pay off is roughly XXXX. I cant understand how I am only showing that about a XXXX dollars has been paid towards my car loan. The lender will not provide a payment book.
after checking my credit report i noticed 3 accounts in collections that i have no knowledge of. The three accounts are, XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have no knowledge of these accounts and i am experiencing fraud activity on my credit report.
This is my 3rd complaint with CFPB about this company. <P/>They have agreed to remove these accounts from my credit files. <P/>So far they have indeed removed them from XXXX and XXXX but not XXXX. <P/>I have called XXXX and they have informed me that it only takes 24 hours to remove it from my file.
<P/>I have not received anything from this company with my signature about this debt. <P/>I have two letters from the CFPB that this company has repsoneded to agreeing to remove the accounts ... ..i am simply asking them to completed the task and remove all accounts from my XXXX credit report. <P/>All letters with a response from Commonwealth are on file at the CFPB
Compnany Equifax was negligent in his handling and security of critical financial data, leading to compromise that will likely affect nearly all adult Americans for the duration of their life or until current credit standards are changed.
I settled credit card debt owned by XXXX XXXX with XXXX XXXX XXXX. Judgement states make XXXX payments to XXXX XXXX XXXX monthly. Starting XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all my payments made through bill pay were returned to my bank account ( see attached ). XXXX wouldnt acknowledge my acct, told me to call my lawyer. My lawyer had no idea of who I was to make payments to. XXXX XXXX XXXX .... no answer. XXXX XXXX XXXX had no idea why payments were being returned. I received notice that I was part of the class action lawsuit and would receive either monetary settlement or remaining debt cleared. I never heard anything else from anyone until XX/XX/XXXX. Almost a year later my wages are being garnished by Cooling and Winter for ... .. NONPAYMENT. Cooling and Winter are not listed anywhere on my court judgement document saying Im responsible to send payments to them. XXXX XXXX XXXX or XXXX never notified me of who I was to send payments to. No certified mail, never served. NOTHING. When I called them they initially said that I was being garnished because I failed to make payments ( they ones that were sent back to me ) ... so they waited a year and garnished. When I asked why no one contacted me they said that they " Tried '' to contact my lawyer but my lawyer never returned their call. They admitted this was the only attempt they made. And this is on an account that was named in a class action lawsuit for illegal collection. Oh .... and although I settled the debt from XXXX to XXXX and have already paid off a large majority of that .... Im being garnished .... {$1000.00} per paycheck ... .. XXXX a month .... for the FULL XXXX. How can this happen? And Im not the only one this is happening to. I will lose my house .... everything. I was making payments and doing what I was supposed to do .... they are taking advantage of people like me. I tried diligently to find out who payments needed to be made to and to try to find out why they were returned in the first place to no avail. And now they can just walk in .... send a notice to my employer on a Friday ... garnish XXXX the next Friday ( NO TIME to fight this at all ). My lawyer has made numerous calls and they wont return her calls. I called them and this person XXXX XXXX ( At Cooling and Winter ) told me to send him my proof that I made payments and he would call me. I sent my documentation immediately and he never called me back. Ive left messages and they wont call me. How easy for someone to just stop taking payments .... return payments and just say you didnt pay .... and collect the whole XXXX instead of the XXXX i owe. This seems illegal to me. These people need to be stopped. Immediately. Im a single mother .... paying for a home, food, clothes etc with NO SUPPORT outside my income. paying for my car and my XXXX kids ... who are XXXX. It takes every dime I have to do this alone .... XXXX a month will cause me to lose my home .... I may make a good salary, but I also have other debt. And Im sure they would like their money too.
We gave an approval letter to our borrower who made an offer to XXXX XXXX XXXX who is with XXXXor XXXX XXXX XXXX. The Listing Agent wanted us to talk to XXXX XXXX ( Preferred Lender of XXXX ). We gave all the documentation that they required to pre-qualify our client. XXXX XXXX, 2017 they questioned the buyer 's agent whether or not we can fulfill the pre-approval and can cover closing cost to the borrower. We later found out that the only way the listing agent will accept the buyer 's offer is if we use the listing agent 's preferred lender. We later found out XXXX is not a licensed loan officer and when asked by the agent he later said that he was the branch manager of XXXX. We also could not find an XXXX number for him. XXXX also has a their XXXX license revoked this year in XX/XX/XXXX. Subject property address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX.
Unable to obtain my report via official XXXX website ( paid ) or annual credit report. This happened before and Equifax just sent me a paper copy. I want access to this online.
It's been weeks now trying to get this whole fraudulent activity problem settled only for USAA to come back and tell me I'm responsible and to basically find another bank after 8+years of service. I've lost my money. 3 bank accounts. Money from my savings. And I have been evicted due to the issues caused because of all of this activity. All this and I still don't even know what's going on with my account since I haven't been able to access the account since XXXX. I feel as though this problem was handled very poorly and due to the " rules '' on fraudulent activity I'm at fault. What the point of asking for a police report it having me go through the multiple steps and representatives just to tell me that a decision was made without needing to look at those factors? I just don't get how the bank does something like this. You and your money is insured. I'm not. The bank is supposed to be my security against things like this and they're throwing me to the wolves. I'm now 1000s of dollars in debt with no way to pay my bills or get anything done. If just like to extend a very big thank you to USAA for helping make this experience the worse I've ever experienced in my life. I would suggest as a consumer that you go elsewhere because if anything funky happens with your account, they'll allow the scammer to do whatever suspicious activity and hold you accountable for not catching it.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXXSS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX  TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX XXXXt, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX. XXXX
Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX XXXX
I have opened an Equity Line of Credit with Bank of America about 2 years ago. I live in NJ, so the local laws state that the bank can not impose a prepayment penalty on any mortgage loan. When I was signing the HELOC contract the bank included a statement that if the line is closed within 3 years I would be subject to the prepayment penalty of {$450.00}. I questioned that statement and asked the officer to remove it but the closing officer told me that the bank has standard closing forms for all the states and it does not alter it for the individual states. However, when the issue arise they abide the local laws, so in NJ the prepayment penalty would not apply. I signed the contract without further insisting on changing that part. Recently, I negotiated a better mortgage rate and decided to refinance my mortgage. In the process, I did not have an option to keep my HELOC with BoA open, so it was required to be closed. As a result, BoA charged me {$450.00} of the prepayment penalty. I contacted BoA and explained that I 'm being penalized for refinancing my mortgage. I pointed out that in NJ the banks are not allowed to charge the prepayment penalties but in response the BoA representative told me that in their opinion the definition of mortgage loan in NJ law provides enough gray area that they do not feel the laws would apply to HELOC. I explained that HELOC meets a full definition of a mortgage loan:1. A loan secured by a lien on the property. 
2. The document specifying the terms and conditions of the repayment of such a loan. 
3. The repayment obligation associated with such a loan4. The lien on the property associated with such a loan. 
BoA has been avoiding my calls. I spoke with the branch manager but as he said " did not want to get involved '' and referred me to the central HELOC Department, which is the same Dept that has been refusing to refund the prepayment penalty they charged me. 
I will greatly appreciate your assistance.
I submitted a letter to XXXX  XX/XX/XXXX, in which they show received XX/XX/XXXX advising that the inquiries on my report are inaccurate and unauthorized, I also called on XX/XX/XXXX and advised they cant update or remove these unauthorized inquires and they would have to remain on my file for 2 years. However, I did not authorize these inquiries and I don't think its fair that they remain on my file.
I checked my credit on XXXX ( report # XXXX ) and found that I have an account in colletion that does not belong to me.
Since XX/XX/XXXX, Midland Funding has been reporting an account to the major credit bureaus it says it purchased from XXXX as delinquent and in collection. I do n't believe this is something I owe. It does n't state what kind of XXXX account they claim was delinquent, and I 'm aware XXXX has hundreds of different of credit card accounts it underwrites. I wrote to dispute the debt about 9 months ago, to the address Midland reported as theirs on the report they made to XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, but it came back to me as " return to sender '' and that it was not actually their address. It 's nuts that a company ca n't even report its own address correctly to a credit bureau. On top of that, the balance on this closed and sold account keeps increasing. It was {$1400.00} when it was reported in XXXX, and yet {$1500.00} as of XX/XX/XXXX. My understanding is that once an account is charged-off ( as this one apparently is ) then interest no longer accrues. How does a closed account continue to get charged? How is Midland Funding allowed to continue reporting on an account that may not be even mine.
In XX/XX/2017 I had emergency surgery to have my XXXX   XXXX. I had applied for XXXX XXXX, because I haven't received my health insurance as yet. But in XX/XX/2017 I received the insurance and they covered all my expenses for the surgery, Which includes my Surgeon fees, scans X-Rays, Hospital Stay Medication and the fee 's C-TECH COLLECTION ( a health care collection agency ) is billing me for. I have contacted them explaining the situation, but no one have gotten back to me.
none of the security questions to get my report were any of my accounts. through equifax, I always have this problem with this agency.
After research on Florida Office of Financial Regulations website, it has come to my attention that the collection agency, Commonwealth Financial, is not licensed to collect in the state of Florida ( where I currently reside ). I have attached a screenshot of the information provided on the website where it states the license has been revoked/voided. <P/>
Currently there are 2 accounts that are showing on my credit report for all three bureaus for this collection company. Less than a month ago I called the company to clarify this information and a representative assured me that they are allowed to collect in the state of Florida. <P/>The address which is found of the website for the Florida Office of Financial Regulations is the same as the one listed on the credit reports.
XXXX XXXX XXXX, XXXX, RCS AND FINALLY XXXX ARE ALL VIOLATORS OF FDCPA AND DODD-FRANK ACT.
When I opened the account I inquired about when the $ XXXX deposit had to be made in order to qualify for the XXXX bonus. I was told it had to be made within 60 days of accounting opening and it was not mandatory to be made all at once. I followed up on XXXX/XXXX/XXXX with the online banking department and they could not confirm if or when I would get the bonus.
I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting XXXX accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.
THESE CORRUPT BEINGS STOLE {$720.00} FROM MY SMALL BUSINESS CHECKING ACCOUNT ON XXXX XXXX, 2016 BY SUPERIMPOSING XXXX CHECK MADE OUT TO XXXX FOR {$160.00} WHICH CLEARED CORRECTLY ON XXXX XXXX, THE SAME DATE AS THE THEFT! ONE CAN CLEARLY SEE WHEN I WENT ON LINE AND VIEW THE CHECK THAT A BIGGER CHECK FROM XXXX XXXX XXXX IS UNDER MY CHECK BUT RATHER THAN THE AMOUNT BLOCKED BY MY CHECK, MY CHECK WAS MOVED AND MADE SMALLER SO THAT THE {$720.00} AMOUNT ON THE XXXX CHECK WAS USED TO DEBIT THOSE FUNDS OUT OF MY CHECKING ACCOUNTS WHEN THEY SHOULD HAVE REALIZED THAT THIS IS A DIFFRENT CHECK FROM A DIFFERENT BANK AND HAD NO BUSINESS TAKING THAT MONEY OUT OF MY ACCOUNT! NOW THEY SAY THEY HAVE TO RESEARCH IT AND THAT IT WOULD TAKE 3 BUSINESS DAYS TO RETURN THIS MONEY! WHY! IT DID NOT TAKE 3 BUSINESS DAYS TO STEAL IT AND THE MISTAKE IS CLEARLY THESE THIEVES! THEY SHOULD BE ARRESTED AND AM SERIOUSLY THINKING OF FILING AN AFFADAVIS ALONG WITH THIS COMPLAINT!