WillisBack/dataset-financial-user-claim huggingface dataset:
I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  o f 2017. I filed jointly with my spouse. The bankruptcy was discharged o n  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted  XXXX , Experian, and   XXXX   on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was  discharged  and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.
On XXXX/XXXX/XXXX, I learned about the Equifax hack that compromised 143 million people through the internet. The company took ZERO steps to let potential victims know that their information could have been compromised. 

Unfortunately, I am one of those people after looking at my credit report on XXXX/XXXX/XXXX with a different company. My information was used to get insurance on XXXX/XXXX/XXXX. I am currently having this be disputed by the different company as well. 

I understand that fraud can happen to anyone if you 're not careful, but in this situation, it is not my fault. The fault is on the company who did n't share the initial news back in XXXX. 

Had Equifax been upfront on the breach, I would 've instantly placed the initial fraud alert and the business that happened on XXXX/XXXX/XXXX would 've been prevented. But no. Instead, Officers of the company sold their stocks and the breach was n't found out until XXXX. Now I have to file a police report and extend the alert to 7 years and continuously do so after ; that information can be used all throughout your life, and I refuse to have my identity repeatedly stolen because of the negligence of others.
When I received a statement in the mail from First National Bank of Omaha, I believed I made payment in full. I made a full payment of {$1400.00} before the due date in XX/XX/2018. According to the terms, if I make full payment there should be no accruing interest in the next months billing period because there is no balance forward to charge additional interest. 
On XX/XX/2018, I called them and spoke with XXXX. He told me that Frist National Bank of Omaha may charge the interest because of how it reads on the back of my statement. I disagreed and asked to speak with his supervisor. Supervisor, XXXX got on the phone and supported XXXX statement. There is a section of HOW TO AVOID PAYING INTEREST ON PURCHASES. I meet this criteria. However, XXXX and XXXX only cared to listen to how they may charge me and not that I paid the balance in full and I met this criteria. Can credit card companies and/or financial institutions charge future interest on a XXXX  balance or a balance in the past when you have made full payment before the due date?
I filed a disputed with my credit card company who did n't take same size against the consumer company and let them take {$41000.00} from my account. every time, I contact my bank and the company. I did n't get any result. The company make me an offer to give me back only 10 % on the amount they took from me.
I opened a complaint against this company yesterday. It was closed after they sent documentation. The documents they sent dont bear my address I had while stationed there nor is that my signature. I lived in  XXXX  from  XXXX  to   XXXX  . Prior to leaving overseas, a checklist has to be completed showing all local debts paid in order for orders to be given to leave the location. I lost my wallet twice while in  XXXX , I also stayed in base barracks, Im not sure where this address is that is shown on the bill but it is not mine. It is obvious I have been a victim of identity theft. all my debts were paid prior to leaving, it is a requirement. This is not how veterans should be treated and I ask that you do due diligence in verifying these documents. They are not mine, here it is six years later and Im having to deal with this.
Funds were transferred to an inactive rushcard by mistake, the reason it 's inactive is because it was never ordered by me and was sent to a completely different address the more than 4 years ago. When I called to have them void the transfer they told me it was impossible without reactivating the said card. When I explained in never even had the card nor do I know who does, they told me thy would send me one but would take 10 business days. Who could wait 10 business days for their own, oney. Why would a transfer be able to complete on an inactive card but not one going out on card. Because it only benefits RUSH to keep the money longer .... finally had one. Rep tell me they can send one overnight but would cost ME {$30.00} for their incompetent system and customer service.
To Whom It  May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have  a Tax Lien or B ankruptcy.      ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does  not report  ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.    Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankruptcy filing is public information. Again , ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the   information reported is accurate.  ( CB Nam  e-   XXXX   ,   XXXX   ,  XXXX  ) has found  information on ( type of file - Tax Lien or Bankruptcy ) through  third party resear ch.     Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 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.
I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details GEORGIA FEDERAL COURT-XXXX XXXX XXXX, GA XXXX XXXX
I wasb ehind on my payments and Avio credit took the money ( several payments ) out of my checking account without my permission.AND, I had to stop payment because I was in the hospital and not working. I don't want this to happen again. What should I do?
Capital One Credit Card has been charging continuous regular interest rate plus cash advance interest rate, even the loan was fully paid. I used it again the following month after it was fully paid, and the usual interest kicks in including the cash advance that i took for {$200.00}, XX/XX/XXXX, and had been charging me interest since then till XX/XX/XXXX for almost $ XXXX/per month for the past 3years on top of the 25 % interest every month. Even I almost paid it off XX/XX/XXXX, but they are continuing to charge cash adv interest, thy offered me {$20.00} credit this month, but i told them that i will report them and the {$20.00}, is not enough credit for the interest they keep on billing me. They told me to call again next month to check and see if I was billed again for the cash adv int. but i just want to let you know for the credit card companies bad practice killing the small people, trying to keep afloat in this difficult times.
XXXX at XXXX XXXX XXXX XXXX has sent an UNSOLICITED card in our name and our business name with a ridiculously high line of credit. This is illegal. We will be contacting them, however this practice must be stopped immediately.
I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL starting in 2001. They stated they were fully accredited and a high ranking school. After my first attempt at completing my XXXX degree, they changed the curriculum and made me take more courses stating the ones I had taken were no longer worth as many credit hours. I did so for a half a semester but could not afford the $ XXXX-month payments on top of my student loans so I was forced to leave school. I have since tried to get my official transcripts for the time I attended several times with no results. Now I find that they are no longer in business and have had multiple lawsuits against them as being a scam of a school. Now Naviant is after me to repay all the student loans on classes that were not beneficial to any career path. I would appreciate some guidance on how to proceed on getting these loans dropped due to misrepresentation of the school and the worthlessness of the class I was asked to take by a nonqulified teaching staff. Thank You in advance!
Contacted business R + R Collection Services through XXXX XXXX XXXX and requested proof of notification, signed certified letter etc. that shows that I was given notice before derogatory information was listed on my 3 credit bureaus. I requested that they remove upon making payment for that reason but business has refused to remove negative information.If Business can provide written proof of notice before the date they put negative information on my reports I will drop complaint immediately.
I Found a new collection on my credit report today from XXXX XXXX I do not have a account With them also did not authorize anyone to open a account with them or any fraudulent account that may have been opened in my name. I am a victim pf Fraud also a security breach. This is not my account .I was given a account opened XX/XX/2017 by XXXX XXXX of {$350.00}, I already have fraud alerts on my credit report which have been in place.I advised the rep this is fraud and I need this removed from all 3 credit bureaus within the next 5 days. Information he verified wasn't accurate. I have no kcontract with this company. I also have a theft report with the ftc
I had a auto loan with USAA for a new car. due to XXXX XXXX i defaulted in two payments in XX/XX/2015. i had since never missed a payment and completely paid the loan over two years ago. USAA is reporting this loan as being active so it still affects my credit report. i had for over a year tried to get them to stop doing it but they simply say they have to report everything, while this is a lie there is no law saying they have to. i have sent multiple notarized letters and made countless request for it to be fix i am still dealing with the same issue.
I believe the ticket was paid back when it was due. Now 20 years later I get a notice that I must pay this ticket. When I call the collection agency, they tell me to send it to them in writing. Then they send me a letter telling me to prove it. When I call back to explain that I have denied owing this bill ( ticket ) they will not let me talk becuase Their script is important, I again state that I do not owe this bill
On XX/XX/XXXX I placed an application on a 2 bed/ 2 bath & den at the XXXX   at XXXX and CoreLogic violated Fair Credit Reporting Act, 607. Compliance procedures [ 15 U.S.C. 1681e ] : Section ( b ) Accuracy of report. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' CoreLogic erroneously reported an unverified non-existing open court judgment for $ 3,500+ with my CURRENT property management company XXXX XXXX XXXX dated back from XXXX. How is that possible if Im a current tenant in good standing? Had CoreLogic followed reasonable procedures to assure maximum possible accuracy, such as checking the actual court records or contacting the alleged judgment holder that I currently am still leased under, this erroneous open landlord/tenant judgment would not have been reported. As a result on XX/XX/XXXX ; I received an Adverse Action Letter from The XXXX at XXXX advising me that they are unable to approve my application : " This adverse action has been taken in accordance with the requirements of the federal Fair Credit Reporting Act, 15 U.S.C. 1681m ( a ).

This decision was based on : [ X ] Information contained in consumer report ( s ) obtained from or through CoreLogic XXXX XXXX XXXX XXXX, which may include credit or consumer information from one or more credit bureaus or consumer reporting agencies. '' I reached out to CoreLogic on XXXX XXXX and that is when I learned of this " outstanding judgment '' when I asked the representative did they verify that information prior to " selling '' this inaccurate information to a leasing company that determines if I get approved or denied for a rental lease. She said no and stated that " it must not have been updated ; I'll submit a dispute now and you will the results within 30 days ''. This is a very difficult development to secure a 2bed-2bath, Den and I have a deposit that is about to be refunded to me due to this error. After explaining the urgency ; I requested if they could expedite it because there is no court records or my current property manager to confirm this information ; I was told no.
On XXXX/XXXX/2015 at approximately between XXXX and XXXX. I made an attempt to dispute negative items that are on my credit report to Experian Credit Reporting Agency. A representative name XXXX and his manager XXXX were very condescending and rude to me. I made several attempt to explain myself and it was clear that these XXXX individuals did not want to help. The day before I had initiated disputes online with the credit bureau and wanted submit evidence to support my claim. I informed them over and over that there 's duplicate negative items on my credit report and they continued to be more difficult and harass me verbally. I am willing to file as many formal complaints as needed to get this kind of disrespect to end when dealing with credit reporting agency. After being frustrated by XXXX, his supervisor XXXX continued to taunt me as if this was some game. I could clearly tell in her tone that she was n't happy to speak me after XXXX. I did inform them both that I would be filing a formal complaint to federal government about their behavior.
Portfolio Recovery # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/17 balance {$310.00}. XXXXXXXX XXXX This was an XXXX credit card. I never had the card physical card. There was a charge or {$30.00} some dollars on it that I did not purchase. Then the late fees started to add up and now its {$310.00} for which I did not use. I refuse to pay for something I didnot purchase. And when I spoke to XXXX they said they closed the account and all the charges were resolved but then a few months later I get this letter that it went into. collections.
I opened a loan with XXXX, and they made me do a 1 month term loan after getting out of school they demanded i pay the loan back in full during the first and only month to repay it, i could not afford of pay the loan back in all of one month, this has effected me and i cant get certain loans because of the payment history of this loan even though i eventually paid it off. 
ive disputed this through the 3 major CRA and they have denied to take it off my report DO NOT get a loan through them you will regret it.
The number being contacted is my employer phone number, XXXX. I work for a XXXX and can not take personal calls on my work line. The first time I was contacted was the week of XX/XX/XXXX, the second time was today, XX/XX/XXXX, at XXXX XXXX EST. The first time I received a phone call, I contacted the number and told a collections representative that the specified phone number ( XXXX ) was my place of employment and not to be contacted. I advised if they wanted to discuss the debt they were calling for, to send a letter to my home address for me to review. I again, advised, to place a DNC on my account. I used to work in XXXX, so I am familiar with the regulations regarding consumer protection. Today the same representative, XXXX with GLA collection company, phone # XXXX, contacted the number I requested DNC ( XXXX ) XXXX again and left a voicemail. I contacted her back and advised her this was the second time I was reporting not to call my place of employment and that if it happened a third time that I would file a complaint. Rather than record that into my account, and send a paper correspondence as I requested previously, she continued to talk over me and harass me about paying my bills. I told her I would file a complaint and disconnected the call. 

This company has refused my request for written correspondence and continues to call my place of employment as a form of harassment. 

I believe the debt they are collection on is a student loan which is no longer on my credit, which I have been paying back directly to the Department of Education since XX/XX/XXXX. 

I want all calls to cease.
On XXXX/XXXX/15 I looked at my account online with the intention of paying off the entire " balance ''. The website showed a balance owed of {$22000.00}. I paid the entire amount on XXXX/XXXX/15. Then a couple weeks later I discover ( I ca n't recall if looked on my phone or reviewed a paper statement XXXX that my balance owed was {$120.00}. I called Wells Fargo on XXXX/XXXX/15 to question the {$120.00} balance because I in good faith paid the " balance owed '' on the XXXX. I advised the gentlemen that I wanted to pay this down to XXXX and he advised me that if I paid the {$120.00} ( which I subsequently did on the XXXX ) I would have a XXXX balance. Today XXXX/XXXX/15 I looked on my iphone app and that same account is now showing I still owe {$56.00}. I called and they explained that the {$120.00} was principal owed and the {$56.00} was the interest. If I had not happened to look at my account I would have not known the interest was still owed. As you can see by the attached document the balance owing once again still shows XXXX. This is extremely deceptive and needs to be corrected.
I received a credit card I had not applied for and a bill for purchases on that card that I did not make.
In XXXX XXXX we were served with court documents indicating that XXXX XXXX and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed XXXX XXXX. 

On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to Cohen, McNeile and Pappas on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. 

On XXXX XXXX, Cohen, McNeile and Pappas, counsel for XXXX XXXX erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for XXXX XXXX provided XXXX XXXX Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. 

On XXXX XXXX, XXXX XXXX XXXX sent a letter to Cohen, McNeile and Pappas, counsel for XXXX XXXX, making counsel aware of the error Cohen, McNeile and Pappas made and their privacy breach. 
Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to Cohen, McNeile and Pappas ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing XXXX Statements ( validation ) for XXXX individuals that are not related to the case filed against us by XXXX XXXX. 

Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. Cohen, McNeile and Pappas represents XXXX in this case as well as many others, giving them access to XXXX 's Consumer information. XXXX XXXX does not represent XXXX XXXX in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.
Re : Equifax Cybersecurity Failure 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.
From XX/XX/XXXX-XX/XX/XXXX I managed a shared house community. Upon my move out/vacating in XX/XX/XXXX the landlord and the folks who took over did not handle the accounting correctly. I had an account with XXXX XXXX XXXX in my name while residing there. It was not taken out of my name for years. I have received a bill from a collection company for XXXX. This bill should be presented to the owner of the property XXXX XXXX ( of XXXX, XXXX, WA ). It is incorrect to bill me for an account that should have been in her name or a tenant name.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Transunion and XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX ( Original Creditor : XXXX ) XXXX
I have continuously requested that the person they are trying to locate is not at my home phone number. I have no obligation, and I explain this. They promise to stop calling my phone number, but begin again within a matter of days. They are not updating their database.
I had an issue with my credit profile so I called customer service at Equifax, I was transferred oversea 's to a speak with one of their customer service reps. I told them that there are a few credit cards that are not reporting on my credit report. I explained to Equifax that they are the only credit bureau that those credit cards not showing up on. The customer service rep said she would take care of it. I am in the middle of getting a new mortgage when I was alerted to this mind blowing actions this customer service rep did to my credit profile. I repulled my credit report today in disbelief what that customer service rep did. She removed my current address and replaced them with XXXX addresses that do n't belong to me, she added a tax lien tradeline on my credit report that does n't belong to me. She basically destroyed my credit rating in a single day. I want my credit profile back that I had several days ago. I am about to blow the top of my lid off and file a lawsuit against Equifax if this is n't taken care of ASAP.