WillisBack/dataset-financial-user-claim huggingface dataset:
My XXXX year old sister, works at a XXXX earns XXXX dollars an hour, has XXXX saved, and is very stubborn and not very educated, has completed a year of college. She applied to a loan at Huntington Bank, they approved her for XXXX. At her pay, should could n't even pay for utilities and food, let alone a mortgage. Given that an adults brain does n't even fully develop till age XXXX, where your frontal lobe that makes decisions develops. ( at age XXXX I believe you 're learning what beer is ) How is that bank is allowed to give a naive person XXXX debt, that they will be tied to and will harm my family that survives off a mother earning XXXX a year.
Equifax previously deleted and permanently blocked the following fraudulent and unauthorized account from my Equifax credit report between XXXX : XXXX XXXX XXXX. Equifax has put the fraudulent account back on my credit report after deleting and permanently blocking the account from my Equifax credit report. I been receiving harassing phone calls and death threats from representatives from XXXX XXXX XXXX at my home and place of employment for over 1 year, to pay for a debt thats not my debt or account. This is a serious violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law, and under Arizona Debt Collection state laws. This account isnt on my XXXX XXXX or XXXX credit report, because XXXX XXXX and XXXX deleted the account from my credit report and permanently blocked the account from my XXXX XXXX and XXXX credit report.
I recently requested all XXXX of my free credit reports threw XXXX, and had no problem receiving my XXXX, or XXXX reports ; however, Transunion sent me a letter changing the apartment number to my address from XXXX to XXXX and denied me my free report unless I send them very personal information in which I object. My reports are frozen at my request because Transunion has been reporting inaccurate information. Transunion suspended my account when I attempted to dispute personal information. Customer service relayed to me she was sending me a new password XXXX times and I never received that password, as promiced to lift the suspension. I had a problem trying to get my free report last year, just the same and am fustrated with dealing with them.
Freedom Home mortgage acquired our loan from XXXX XXXX company beginning this month. My husband, XXXX XXXX, is listed on the mortgage with me. When I contacted the office as they state they are unable to locate my insurance information, I was advised they do not have me listed as a borrower and will not speak with me. Advised that I have the loan paperwork showing otherwise and they should produce the original documents which they were unable to do so. They now are not paying the loan insurance that is due to our insurance carrier from our escrow account. 
Now they are informing me that they are not listing me as a borrower on the account regardless. Please help!
I have contacted Transunion numerous times by phone and mail to get this negative mark on my credit report removed. The account is with XXXX. This account was originally opened up by XXXX XXXX XXXX XXXX on XXXX. This account was reporting late payments on XXXX when it was transferred to XXXX XXXX XXXX and it was never brought back current, and then they transferred the account to XXXX on XXXX. Going off of my research and what numerous numbers of their employees have told me since the account was never brought back current from the first time back in XX/XX/XXXX then it would be removed from my credit report 7 yrs later from that time. It is beyond 7yrs and this account needs to be DELETED. I have contacted Transunion numerous times and every time they come back with the account being verified. I have contacted XXXX XXXX XXXX and XXXX numerous times, and they have consistently told me that they DO N'T HAVE THE RECORDS FROM THE XXXX PAY HISTORY. Because they do n't have records or pay history for this account from that point and time then HOW can they prove the ACCURACY of the account? I have also given them proof that what I 'm saying is correct by supplying documents that back up everything I said. I also requested the Method Of Verification that they used to conduct this investigation, that by law I am entitled to ask for and they must supply it. They have continuously failed to give me what I asked them for. " The FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. 

I have disputed this account via phone, fax and mail, and every time I have talked to someone over the phone about this account they have agreed that the account should n't be reporting on my account but there is nothing they can do but try and dispute the account again. That is not true, According to the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( XXXX ) Action required upon receiving notice of a dispute. If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge - ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller ; and ( B ) ( i ) if the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it. 

Please help me with this situation as I do n't know what else to do
I purchased a speaker from Best Buy. I opened a Best Buy credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my Best Buy credit card. On XX/XX/XXXX a check was sent to Best Buy CitiBank and was cleared the following day, XX/XX/XXXX, for the amount of {$490.00} to pay off the credit card. Best Buy claimed that to never receive the check, so I made a conference call to the department during the week of XX/XX/XXXX - XX/XX/XXXX. On the call a representative from CitiBank and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to Best Buy originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XX/XX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to CitiBank to get it all sorted out again and nothing was done again. To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.
On X/XX/18 I called Experian to cancel a credit monitoring service I do not recall signing up for that charges me $ XXXX/month. I only recall accepting free credit monitoring as a result of breaches. When you choose the option in the phone IVR to cancel the wait time, regardless of when you call, is greater than 45 minutes. When you select any other options you are answered instantly. I spoke with someone from one of the other options and I believe they called what I was being charged for " MaxProtect ''. 

My complaint is that Experian is clearly making it difficult to cancel. No option is given to cancel online or any other means other than calling and holding for 1 hour.
As of this date I have not received my XXXX from Nelnet, a student loan servicing company. My loans were discharged by Nelnet in XXXX XXXX. I have reached out twice by phone to Nelnet 's XXXX section on Monday the XXXX of XXXX XXXX and was told that " Upper level management was researching if I would get a XXXX for discharge of federal loans. I asked when a decision would be made and was told it would take some time. I asked for a return call to keep me informed and was told not to expect one. On the second time I reached out to Nelnet 's XXXX section I was also told that " Upper level management was researching if I would get a XXXX for discharge of loans and that Nelnet would access my credit from XXXX credit reporting agencies before any decision would be made. In light of the fact that Nelnet intends to " hit '' my credit again, I have not attached the credit reports as they will be outdated by the time Nelnet has accessed them again. Nelnet has continuously reported inaccurate information to these agencies and there is no reason, other than retaliation for my initial CFPB complaint for the mismanagement in servicing of my federal student loans and mismanagement of the XXXX discharge process and for reporting their inaccurate information targeting my credit in a most detrimental manner to credit reporting agencies. ( Seee CFPB complaint # XXXX ). I have alerted XXXX today to place a freeze on my account to prevent further damage from Nelnet. I will contact XXXX and XXXX as well. My questions for Nelnet are : Why is Nelnet tampering with my credit ( pulling credit reports during the ongoing initial complaint which will be formally addressed ) and what legal and legitimate purposes was it initially used for and for what future purposes would another " pull '' be deemed appropriate and necessary? What is Nelnet going to do to demonstrate in writng to all credit reporting agencies, to me and the CFPB that Nelnet has corrected all erroneous information from any credit reporting agency they have reported to? Secondly, Nelnet, is there a XXXX for the discharge of these loans? If there is, where is it and why must my credit be subjected to another around of " pulls '' before a decision can be made about the in question XXXX and when can I expect to receive it in the mail?
I called and spoke with a representative at Equifax and   XXXX  credit  reporting I have sent in documentation showing that I have paid my balance in full with   XXXX   XXXX   XXXX  .   Equifax continues to report a balance of {$11.00} on my report from   XXXX   XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted.  Reporting  this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.
This is my second complaint against Chase Bank XXXX ; Since XXXX XXXX, Chase Bank .. JP Morgan decided to place a pending closure on my checking account without any valid reason or any statement given or mailed to me. After long hours of phone calls and numerous stop in at a Chase local branch and all promises of security from Chase representative the checking account was still on pending closure. Bills were drafted on this checking account, all were returned with fees and penalty. Best of all Chase Bank place a freeze to access my funds. I am not rich, what i have is what i use to support me and my family, I explained this numerous times, days, hours even beg the XXXX Chase Bank Manager but no explanation why. I do not owe Chase anything I paid my overdraft fees. Chase Bank do not care ... They promise a check will be sent in 10 days after account closure .. Its XXXX XXXX, a check was received via XXXX but the amount is not even close to what i have on that account. This check does not even cover phone bills with penalty. Call Chase again and said a XXXX check was cut and should be receive in 3 days from XXXX XXXX. Again called Chase Bank asking information if we can track my check but sadly Chase responded I AM SORRY CHECK COULD BE LOST, PLEASE CALL US BACK ON MONDAY TO CONFIRM XXXX CHECK IS LOST AND WE WILL CUT A NEW THAT WILL TAKE ANOTHER 10 DAYS. IS THIS A GAME? THIS IS AWFUL. ITS ALMOST A MONTH, ONLY A HANDFUL OF PEOPLE LET ME BORROW AND AT OF ALL THIS I HAVE TO LATE FEE ON ALL BILLS, DONT KNOW WHAT LAW PROTECTS US FROM THIS KIND OF ACTIONS FROM A FINANCIAL BANK, MY UNDERSTANDING BANKS ARE THERE TO PROTECT AND OFFER SERVICES BUT INSTEAD, SADLY I CAN NOT DO ANYTHING BUT WAIT ...
On XX/XX/XXXX I deposited a check with Bank of America for {$3200.00}, I received the check from a lawsuit settlement, the deposit was made via ATM. For some reason bank of America placed a hold on the funds untilXX/XX/XXXX. I called several times and received a different answer each time as to why the funds were on hold for such a long time, each answer sounded like a rehearsed script. On XX/XX/XXXX I emailed the settlement administrator and on the following day, XX/XX/XXXX, I received an email from the settlement administrator stating that there bank released the funds to bank of America on XX/XX/XXXX. But bank of America still refuses to release the hold.
I WENT THRU SMALL CLAIMS COURT IN XXXX AND SUED THE XXXX FOR THE COST OF DAMAGES OF MY BELONGINGS BEING DESTROYED IN A STORAGE UNIT. THE JUDGEMENT FOR THE ORDER WAS THAT I WAS TO HAVE ACCESS TO GET MY BELONGINGS AND XXXX GROUP WAS NOT TO TRY TO COLLECT ANYTHING FROM ME AS I HAD A XXXX BALANCE. ON OR ABOUT XX/XX/XXXX I RECEIVED A LETTER FROM XXXX STATING THAT I OWED XXXX XXXX. I CALLED XXXX AT LAZARUS XXXX AND EXPLAINED THE SITUATION. I THEN MAILED THE COPY OF THE JUDGEMENT ON XX/XX/2016 AND THEN I NOTICED THAT THE COMPANY PLACED ON MY CREDIT. I TRIED TO REACH THIS COMPANY FOR XXXX WEEKS STRAIGHT AND THE PHONE JUST RANG, I WAS UNABLE TO LEAVE A VOICEMAIL AND NO ONE RESPONDED TO EMAILS. I THEN EMAILED ANOTHER COPY OF JUDGEMENT FROM THE XXXX COURTS ON XX/XX/XXXX. XXXX CONFIRMED RECEIPT AFTER NUMEROUS ATTEMPTS TO REACH THEM ON XX/XX/XXXX AND TOLD ME THAT HE DID N'T BELIEVE THIS JUDGEMENT AND HE HAD TO TO FURTHER RESEARCH AND WOULD NOT REMOVE IT. IT HAS NOT BEEN XXXX AND THIS DEBT IS STILL ON MY CREDIT. I HAVE A LEGAL ORDER THAT I DO NOT OWE THIS COMPANY ANYTHING AS MY ITEMS WERE COMPLETELY DAMAGED AND THEY WAITED XXXX AFTER COURT TO SEND TO COLLECTION AGENCY WHO DOES NOT RESPOND. I AM SEEKING THAT THIS COMPANY REMOVE THIS FROM MY CREDIT AS IT IS NOT VALID AND IS BEING ILLEGALLY REPORTED. I AM A SINGLE MOTHER IN THE PROCESS OF GETTING A HOME AND THIS IS PREVENTING ME MY MAKING MY CREDIT SCORE DROP.I NEVER RECEIVED ANY CORRESPONDENCE AFTER COURT DATE FROM COMPANY SHOWING BALANCE OR ATTEMPT TO COLLECT TO RESOLVE. FIRST LETTER WAS IN XX/XX/XXXX FROM LAZROUS GROUP
I recently reviewed my credit report and notice several inaccurate information. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the information validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( never validated the allege debt ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with XXXX XXXX nor have they provided legit documents ), and XXXX XXXX ( this company has not responded to any letters, CFPB is unable to locate the company nor have they added the sentence consumer disputes ). There are several unauthorized inquiries reported to the Credit Bureau, I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent Experian notices to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.
Pioneer credit recovery has been harassing me via phone with non stop calls. They are calling my job discussing my debt with people on my job and call people at home, They are calling the human resource director at home and now I may lose my job. Please help. My name is XXXX XXXX. Student loan.
There are two problems with Experian.

I attempted to obtain a single-use Personal Identification Number, to temporarily unfreeze my credit report to have electric service turned on. After inputting CORRECT information, I got a screen that stated that they were unable to honor my request. No explanation, just unable and to send in a letter with several forms of identification. As there is no electrical service at my seasonal address, using the mail was not an option. So I attempted to call, to no avail.

Thus the second problem with Experian. It is impossible, as far as I can tell, to reach a human at the toll free number. I tried several times using various numbers. I XXXX " talk to a human at Experian '', and none of those suggestions worked out. This alone is totally unacceptable, and must be fixed.

Another unsatisfactory past experience with Experian occurred last XXXX was when I attempted to obtain my free annual credit report using the website. After inputting all the CORRECT information, I was told that the request would have to be made by mail. This was the case for both me and my wife. Again, no explanation was offered. At that time, I mailed the request, and received the credit report. Time was not of the essence then.

Part of the reason for requiring these requests be mailed nay be to inconvenience people to the extent that they give up. Some of it is to protect consumer data, but if correct data is supplied in the website form, then access to the requested service should be instant.

Obviously all this stonewalling is extremely frustrating!
On XXXX/XXXX/2016, US Bank sent me a letter stating that, I owe them {$1200.00}, they already closed the account, but I 'm the one responsible to pay them back. It was really out of blue, cuz I 've never opened an account with US Bank. So I went to the US Bank Branch in XXXX and found out the account was opened online, and I immediately assumed that my former roommate XXXX XXXX XXXX XXXX did it as he was arrested for Identity Theft and Commercial Crime on XXXX/XXXX/2016. After his arrest, we found images of my Social Security Card and Drive License along with other victims 's on his computer. So I explained all this to the Branch manager and opened a claim for fraudulent open account. During investigation while I was there at the Branch, the Branch manager pulled out records of a few deposited checks in that closed account, including fake checks which XXXX XXXX made himself and a stolen paycheck from my neighbor. So I asked the Branch manager for copies of the check images for me to file a police report with, but she refused to give them to me, her excuse was that she did n't have permission to which was an obvious lie as they claim it was " my account '', why would n't she and I have permission to access " my own account ''? Anyway I left the branch after I filed the claim. Upon request, I followed up with my statement and a police report I made a day after at the XXXX Branch. But after a week or so, US Bank sent me a letter stating that, they closed the claim not in my favor, the accounts were not open fraudulently, and it is a civil matter between me and my roommate. After that I called US Bank many times to ask them for explanation, they could n't even give me any detailed explanation but was only basically saying that it was my fault for having allowed my roommate to gain access to my personal information, which seems like total nonsense to me. Then I asked the supervisor of the claim department over the phone to provide evidence they have to prove I was really the one who they believe opened the account, but she came up with excuses trying to avoid getting into that conversation. 
I, Ran He as a victim is being treated unfairly by US Bank whom does n't care about right or wrong, but is only concerned about regaining their loss. To me, this is not only about money but also justice that needs be justified and solved in a righteous way!
XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down equifax over XXXX points.
I am writing to complain about my Citi XXXX XXXX  card. After receiving the card inXX/XX/XXXX, I activated the card this summer and was using the card until Citi abruptly froze my account. When I called to check on why the account was frozen, I initially could not get a straight answer. It was only after several attempts that I finally learned that Citi froze my account in order to conduct a background check to make sure I am the appropriate card holder. The account was frozen in early XX/XX/XXXX.

At the time, I was on travel for work, so I tried to address the verification issues by phone, but was informed that Citi only verifies by mail. While this was inconvenient, I did go ahead and send in the form Citi sent over. I learned today that Citi still requires another paper form submission that I am yet to receive in the mail. Once again, I am set to travel for work and do not have an active Citi card.

This process and the customer service at Citi have been terrible. More problematic, though, is that they do not conduct these various checks before a card is issued. What happens if someone is using someone else 's card. It appears from my experience that Citi allows use and only later conducts a verification. This is a troubling practice that should be investigated.

For now, I am once again without a card. I wish I hadn't closed another account in order to open this account since Citi 's service has been subpar.