WillisBack/dataset-financial-user-claim huggingface dataset:
My son has been working for a year, has great credit and just moved into a new apartment. XXXX XXXX XXXX was using Equifax for their application process for internet service. They put a freeze on my son 's account and asked him to fax some information to them. Then they told him it would be up to a month to resolve the freeze they put on his account but wouldn't tell him so he needed a co-signer. I agreed then they told him I had a freeze. Their response was, " we apologize. '' I asked to speak to a supervisor and her response was, " we apologize ''. I asked them for resolution as they apparently are randomly freezing people files and was again met with, " we apologize '' repeatedly. No information, no research, just " we apologize ''. How can they just freeze peoples account for no reason while asking for check stubs and social security information? Don't they have that or is it they're most likely tying to update their demographic information to sell? This is the literal definition of abusive practice in UDAAP. Who is making them accountable for their abusive practices on the public with no merit, no explanation, or timely resolution?
I spoke with XXXX XXXX in XX/XX/XXXX and twice in XX/XX/XXXX regarding my new repayment plan. My repayment amount went from $ XXXX/month to $ XXXX/month. I told XXXX every time we spoke that I could not make that payment. I submitted two requests to change the plan as well as documentation of my expenses as requested by the numerous XXXX personnel I spoke with. I told them every time we spoke that they were absolutely not authorized to take {$520.00} out of my bank account on XX/XX/XXXX. XXXX ignored me and took the amount out, unauthorized. I called three times on XX/XX/XXXX and spent over 1.5 hours on hold during that time. I have submitted a third repayment plan request at the instruction of XXXX. XXXX will not return the {$520.00} and my bank is not able to stop the payment because it has already gone through. Every person I spoke with was either unhelpful or rude.
The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my XXXX Equifax and XXXX reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX  Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXXDate Inquiry Date XXXX XXXX   XXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX -Inquiry XXXX XXXX  XXXX, CA XXXX ( XXXX XXXX XXXX Name of Company - XXXX XXXX XXXX  -Date Added-XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX   Date Added- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry DateXXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Name of Company XXXX XXXX XXXXXXXX XXXX Inquiry Date- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX- Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XXXX XXXX -Inquiry Added Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX
I had a checking account and a savings account at metro credit union. XXXX XXXX XXXX is a member only bank. Not just anyone can open up an account the only way to do so is to add my ex boyfriend to My ex boyfriend to my savings account only so he would be able to open a checking account of his own. XXXX XXXX stated that he could open one and be a member if he was put on my savings. So thats exactly what we did. They never once mentioned that I would be responsible for any negativity on his accounts or loans. Eventually I wasnt with this exboyfriend anymore. I have an account from XXXX XXXX XXXX reported on my Experian credit report for {$2500.00}. I have no idea what this is or what it was for. It does have my account listed however. I have never recieved a bill for this. The credit report says its an installement loan. At that time I had direct deposit into my checking account. The bank however did tell me that I was unable to remove him off of my account because he had a negative balance on his checking account and even though he was on my savings that meant he was on my checking account as well even though he wasnt suppose to have his name on my checking account. The bank was going to take my money from me even if he had a loan that I had nothing to do with or even if he had a negative balance in his account all because he was on my savings account. I have no memory of this loan I have never seen paperwork with my signature saying i authorize this loan or that I would be responsible for this loan or even his loans. We were never married. I was not on his personal checking or savings account. This balance doesnt belong to me. I have tried to dispute it but I dont feel they actually did a investigation because if they did this item wouldnt be on my report right now. the amount is {$2500.00} and it says the account was opened on XX/XX/XXXX according to my experian credit report.
AimLoan.com is quoting ultra low rates that do not quote ARM or any other of the required verbaige From : AimLoan.com XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : AimLoan.com Rate Watch Notification This is your mortgage rate update from AimLoan.com. These interest rates are accurate as of XXXX XXXX, 2016. 
30-Year Fixed Rate 3.625 % with XXXX guaranteed points and {$0.00} lender credit 3.75 % with XXXX guaranteed points and {$0.00} lender credit 3.875 % with XXXX guaranteed points and {$660.00} lender credit 4.0 % with XXXX guaranteed points and {$2900.00} lender credit 4.125 % with XXXX guaranteed points and {$5000.00} lender credit 4.25 % with XXXX guaranteed points and {$5200.00} lender credit 20-Year Fixed Rate 3.25 % with XXXX guaranteed points and {$0.00} lender credit 3.375 % with XXXX guaranteed points and {$0.00} lender credit 3.5 % with XXXX guaranteed points and {$0.00} lender credit 3.625 % with XXXX guaranteed points and {$930.00} lender credit 3.75 % with XXXX guaranteed points and {$2500.00} lender credit 3.875 % with XXXX guaranteed points and {$4000.00} lender credit 4.0 % with XXXX guaranteed points and {$5200.00} lender credit 15-Year Fixed Rate 2.75 % with XXXX guaranteed points and {$0.00} lender credit 2.875 % with XXXX guaranteed points and {$0.00} lender credit 3.0 % with XXXX guaranteed points and {$0.00} lender credit 3.125 % with XXXX guaranteed points and {$1000.00} lender credit 3.25 % with XXXX guaranteed points and {$3300.00} lender credit 3.375 % with XXXX guaranteed points and {$4800.00} lender credit
I was a member of XXXX XXXX XXXX, TN for about 3-4 months. I paid through direct deposit and cancelled XX/XX/18 and even went up there in person and they told me I was cancelled and that I had no debt, but I have no proof they said that. They sent me a letter ( which I still have ) on XX/XX/18 telling me I owed them {$16.00} and that my cancellation date was, in fact, on XX/XX/18. I called them a few days after and they said they would delete the debt and that everything was fine. On XX/XX/18, I received mail from Aldous and Associates Law firm ( which is partnered with XXXX ) that they are a debt collector and that I owe them {$65.00}, but I didn't see the mail until XX/XX/18, because they didn't send it to my current address, because I am living on-campus. I called them on XX/XX/18 to tell them I wanted to dispute and they told me that they couldn't help me and to send them a written notification and that if I didn't have any proof, I would be out of luck, which is when I went searching for my original letter from XXXX. I am sending my dispute hopefully tomorrow with a copy of the letter.
In response to the disgusting Equifax data breach, over the past two days ( XXXX XXXX and XXXX, 2017 ) I have been trying to institute fraud alerts and credit freezes on XXXX, Equifax, and XXXX. Although I have called and logged on multiple times at various hours, I have been unable to complete the requests - their systems just say " Unable to complete your request at this time. '' and the " customer service '' operators have referred me to various other phone numbers that just refer me back to the original numbers ( the classic run-around ). Any agency that collects such vital and confidential information on almost every US citizen should be required to develop and maintain robust security consumer response systems. Our data is now " out there '' forever - we ca n't change our Social Security numbers or birth dates so we face identity/credit theft forever, too. I hope that our governmental representatives will fully investigate this failure by Equifax ( including why it took almost 2 months to reveal the leak ) and require solutions that prevent such security breaches and provide consumers with ongoing protection not just for a year, but forever, no matter what the cost to the credit agencies.
XXXX was hired by an apt complex that i had moved out of, with the rent fully paid, during this time they had mangement change, an they reported that i still lived there. i did n't i was living in XXXX.when i return i tried to rent an apt , to my suprize i had to pay this company off and i did, they said if i did n't was committing crime, an would go to jail.if i paid the money they would remove the debt and remove all trace of it from my credit records.i payed, they did nothing but cash the check.i have all there letters and phone calls.they then started to write bad remarks on my credit report.
This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/XXXX an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/XXXX on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative Stated XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.
Dear CFPB : The description below is adapted from the latest in a series of emails and phone calls to the vendor and PayPal. Hold times are XXXX plus and then being disconnected. They are not working in good faith. 
PayPal has INCORRECTLY denied my appeal through vexatious tactics. I believe that PayPal has intentionally ignored facts and defaults to decisions in their favor. I have contacted the vendor, who provides documentation that PayPal mistakenly sent them ( the vendor ) an incorrect North Carolina address. I have informed them repeatedly through phone, email, their resolution center and appeal process that : ( 1 ) I have lived in XXXX, IL since XXXX. ( 2 ) All my financial accounts have had XXXX, IL addresses since XXXX. ( 3 ) I have lived at XXXX XXXX XXXX in XXXX, IL since XXXX. ( 4 ) I can see that my XXXX XXXX XXXX ; XXXX, IL address is associated with my PayPal account. ( 5 ) At no time while completing the online order in question did I fill in or see a North Carolina address. 
Since the vendor has demonstrated that PayPal gave them a North Carolina address, IT MUST BE THE CASE THAT PAYPAL mistakenly used legacy information in generating the invoice with the North Carolina address. ONLY POSSIBLE CONCLUSION : PAYPAL IS IN ERROR. 
To resolve the error PayPal must : ( 1 ) Remit {$45.00} to XXXX to compensate them for the lost shipment. 
( 2 ) Remove the {$45.00} due from my PayPal account. 

I have spent many hours dealing with this small amount. If PayPal refuses to correct their error in a timely manner and I must continue to pursue this case, I will consider time, stress, and any damage to my credit and/or credit score in taking further action. In additions, I will file cases with the Illinois Attorney General and the Consumer Finance Protection Bureau to clarify whether you are violating any law in your obstructionist treatment of my case. Your treatment of this case has been vexatious, as you have repeatedly ignored and failed to address the facts that I have presented PayPal and refused to accept responsibility for your error. 

Their repeated conclusion in favor of PayPal is contemptuous of the facts and indicative of a process that is purely biased in PayPal 's favor and blatantly unfair. 

Although this is a small monetary amount, the principle is large : consumers should not have to pay for the errors of corporations just because corporations have the resources to antagonize consumers.
ABR Recovery continues to report false information on my credit report. They claim I owe them on an account that I had previously paid with another creditor. 

I have tired of this company continually violating my rights under the FCRA. I have disputed this account at least 5 times with XXXX since XXXX. XXXX states that ABR Recovery Services continues to submit this information. 

I have submitted multiple complaints concerning this issue on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

This false report has cause my credit score to decrease and has affected my ability to gain credit. How many times will this fraudulent activity continue to be allowed?
XXXX   XXXX   XXXX ,  XXXX  {$280.00}  XXXX   XXXX   XXXX ,  XXXX  {$83.00} These  XXXX  account are to me removed from my credit file!   This is not a dispute and no remarks relating to dispute are permitted to be placed on my credit report!  <P/> These accounts were opened without my knowledge and were never to be in my name! I have already had them removed from  XXXX  as well as  XXXX  However Equifax refuses to remove them!  <P/> I want these removed from my file completely as there was never any agreement from me for these accounts to be in my name or reported to my credit files!  <P/> Again I just want them removed as they are illegally reported and reporting on my credit file with Equifax! This is not a " dispute '' and is not to be reported as such on my file!
I called XXXX in XXXX XXXX to have my credit limit capped at {$2500.00}. The representative told me this was done and the most that could be charged on the card is {$2500.00}. The limit however was never changed and remained {$10000.00}. My son was an authorized user and charged {$10000.00} on this card. I called XXXX several times as they record all the conversations with representatives. I spoke with XXXX supervisors and a team leader and no one got back to me about the telephone conversation in XXXX All this is noted on my account in their system. I am not disputing the charges, although this would never have happened if they did as I instructed. XXXX supervisor, XXXX who is located in XXXX, said she would listen to the tape and get back to me. she never did. I called two more times and no one would tell me what I was when I called back in XXXX XXXX. I am seeking a reimbursement of interest charges totaling {$1000.00}. All the interest that was charged after I called them to reduce the credit limit. I closed the account by paying off the balance of approx. {$9800.00} on XXXX/XXXX/XXXX conf XXXX to stop the interest from accruing.
Ever since Discover Bank took over my XXXX XXXX Student loans I have had nothing be trouble with what I am told and what the account shows. My payments are due on three loans on the XXXX, XXXX and XXXX of every month, but I do not get a statement/bill for that month until the XXXX or later. So after making payments and seeing them not applied, I have double paid many times. So long story short I am not sure if my account are correct or have ever been correct with all the errors I find in the accounting. For example XX/XX/XXXXI was reported by Discover Student Loans as being current for payments. Then at the end ofXX/XX/XXXX I was reported as 60 days late. I missed the XXXX payment due to being on FMLA, but paid as soon as I got a full pay check onXX/XX/XXXXone day after I would be technically 31 days later. However they reported 60 days late, also there are many other months I paid my loans and they did not report positive actions on my account. Currently as of today I have been told that want information on my account like this I need to get a subpoena. I just want to know what is in my account and know that they have applied payments as there are required too.
Several years ago, I opened an eBanking account with Bank of America. I was told that the account did not have a monthly fee if I conducted all of my transactions on-line or by ATM. I noticed a $ 12 monthly charge on my last bank statement and I called the Bank to inquire about the charge. Bank of America told me that my account was changed because it got rid of the eBanking account. I did not receive any notice of this change or the charges. I think it is unfair that the Bank can change the type of account without providing notice of the change ; potential charges ; and time for the consumer to either switch banks or bring the account in compliance with the new account requirements.
I am still having a problem with a XXXX XXXX XXXX and XXXX from complaint XXXX. Ditech has been shut down and still has not resolved the {$5800.00} that was paid to XXXX just before Ditech took over loan. {$5800.00} was paid to XXXX which over paid any money owed. XXXX cashed the check. When loan was transferred to Ditech, they claimed we were 3 months behind. No. The {$5800.00} was for any late payments plus extra to XXXX. That meant that when Ditech took over I started with a clean slate and should have transferred the extra {$230.00} out of the {$5800.00} to Ditech. Ditech received every payment for the year plus that they had my loan. None were late payments and extra was paid with each payment. Now the new loan co., XXXX, is left with the mess. All I have gotten from Ditech is, " We are looking into it, '' letters ( 3 ). Time to hire a lawyer? Also, XXXX would like to have a copy of the original letters that I wrote from XXXX which I do n't have access to. XXXX went under, now Ditech, what 's next? Sounds like a scam and run outfit. All owned by the same person/people/corporation. XXXX is most likely owned by the same people/corp. Please refer to XXXX, all docs are there.
my current payment is just under XXXX $ a month ... this is an insane amount and unreasonable to expect me to be able to pay this, especially when you factor in my XXXX a month payments to my federal loan. When I called to try and resolve this I was basically told I can not change it since I have XXXX co-signers and with their incomes factored in I should be about to afford this. This makes no sense to me.. this is setting me up to fail. How is it fair to factor in my cosigners monthly income when factoring whether I can afford to pay. A cosginer is supposed to be a fallback when I can not affford the monthly payment .. with a monthly payment of XXXX $ I will NEVER be able to afford this. Meaning it ALL falls on my cosigners. WHY cant they come up with a payment based on MY salary and MINE alone. So that JUST MAYBE I could actually afford to pay this?
I got calls for several years about a supposed payday loan from XXXX or XXXX from various collection companies. I would ask for proof of this unpaid loan in writing. They would not send anything by mail. Some said they had emailed proof others said they did mail proof. I never received anything. This has been calls over the years from various companies who all seemed to have a little info on me. I noticed that Midwest XXXX put a payday loan as in collections on my credit report. I do not believe this is a valid debt. I have lived at the same address for 37 years and have had the same email Address for over 15 years
I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in XXXX/XXXX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or needed.
I received a call at work today from XXXX who said he was with XXXX. Refused to provide any information other than he had been trying to deliver documents to my address from HC. When pressed for information I was transferred to someone else who refused to provide the name of the company he worked for or contact information and told me if I did n't set up a payment plan with him then " good luck to me ''. I requested verification of any debt owed and was told it had been sent previously and would not be sent again. I never received anything from this company for any supposed debt owed. Since that time this morning, they have contacted XXXX co-workers, my son, my sister-in-law and nephew ( both of which live XXXX miles away ) and who I have never given any information on to anyone. I was told these are legal documents to be delivered and if I was n't home today to receive them they would be showing up at my place of employment. Again, they refused to provide any information or verification of any debt they claim I owe.
unable to secure checking account because of information on credit report of Equifax. made several attempts to have information cleared but no response from Equifax. This information on credit report is related to notice of class action settlement. Case XXXX vs Equifax. Case # XXXX Violation of Credit Reporting Act.