WillisBack/dataset-financial-user-claim huggingface dataset:
To make a long story short, I thought someone stole my identity so i placed a fraud/freeze alert on my experian. I then receive the freeze letter in the mail and also another letter saying that ive been removed from .... i forgot what it was officially called, basically credit cards/loan company 's cant pull my report for the next five years. Here are the problems. First off, lets say i want to unfreeze my credit report a few months from now ( im not saying i do, im just using that as an example! ) could i even apply to a credit card for the next five years? The 5 year thing confused me a bit. Is it just for when the credit freeze is in place? Could i have some extra details about that because tbh it seems a lot like i placed a freeze to help prevent my credit from being screwed over and then experian themselves XXXX me over. The main reason why im reaching out is because experian has been sending me emails ( marketing emails, i think ) about credit cards that im matched to, that im qualifed for. its more than just a one time thing as well. I've received at least a dozen from experian since placing the freeze. Im not sure what experian thinks but to me thats extremely concerning, Why is that happening when experian themselves said it wouldnt happen? Is someone else applying for those cards? Does someone else have access to my experian account? ( the online account or even the experian account itself, like the one you look at! ) Theres alot of different ways that i can look at this but all i know for a fact are these 3 things. 1 : Even under the best circumstances, it just being someone at experian doing some type of typo or something like that, thats still really bad because they still arent suppossed to be doing that. Whats the point of the credit freeze if it apparently doesnt freeze? I guess experian doesnt care about identity theft. Come on, you cant blame me for thinking that way when it seems to be that way! 2 : Experian better get to the bottom of this and BE HONEST while doing it because if i find out experian screwed something up and then lied about it as well, I swear on my grave experian will be 100 % liable for any damages that might arise from that. 3 : If there is anything that screwed me over because of experians mistake, That will be an extremely bad day for experian in court. Please dont misunderstand me here, I dont want to take experian to court, im simply being honest, If experian XXXX  something up, then can you really blame me for thinking that way? Whats going on!!?
On XX/XX/2018, I applied fir a XXXX XXXX credit card and was approved for a Card with a {$300.00} credit limit. The XXXX XXXX employer told me that only 1 inquire will be apply to my credit report. But that was not correct ... XXXX XXXX summit 3 inquiry and pulled my credit with unauthorized inquiry. I only authorized them to pull my credit report 1 time. I tried 3 month to resolve them matter with XXXX XXXX but they keep telling to Dispute it with the TransUnion, so I did it. I summited a Dispute with TransUnion them to tell me that they dont do inquiry Dispute, which is not true. They are 2 inquiry dating on XX/XX/2018 and XX/XX/2018. These inquiries are effecting my credit score bad and negatively.
I received a call on XX/XX/2015 from a collection agent named XXXX XXXX XXXX stating that I owed them money or they were going to take me to court and have me served and arrested. I stated I wanted a validation of this debt and he stated that I would get it when I was served and to pay my debt. I again asked what this was in regards to and denied.
Equifax deleted then re-inserted a collection account that is not mine. 

Please see former complaint. I will copy and paste the info for your review. 

Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX account XXXX has been deleted from the credit file. Written confirmation has been mailed. 
Relief XXXX account for XXXX XXXX XXXX has been deleted from the credit file per the credit grantor. 

Response *Equifax reviewed the complaint, its records and initiated a reinvestigation. 
*Equifax did not receive any additional communications from the consumer during the review of the complaint. 
*Equifax will mail the results of the reinvestigation within 30 days.
I have disputed the account with XXXX numerous times and it keeps coming back as verified but nothing is being sent to me to validate the actual debt is mines. They keep updating my report but not showing the correct proof to prove why they are updating it state as such.
I wrote Equifax three times requesting that inaccurate information be removed from my credit report. Each time they responded that the information on my report was verified even though they did not provide me with physical proof or evidence of the verification. This is in direct violation of the Fair Credit Reporting Act.
Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX my wife opened our monthly statement from Roundpoint Mortgage to pay our bill. To our surprise, our payment had nearly doubled, jumping from $ XXXX/month to $ XXXX/month. We  immediately called Roundpoint thinking we missed a payment somehow. The gentleman in customer service told us we had a significant escrow shortage of {$17000.00} dating back to almost the inception of our loan XX/XX/XXXXwhen we had our home built. I asked how could this be? We are current on our loan, paid every penny that we are billed. His explanation in a summary was, we were paying an incorrect sum towards escrow for two years and Roundpoint was paying the difference out of pocket. According to the service representative, they had been trying to reach us but admittedly had a wrong phone number on file. No certified letter, no face to face representation, no phone call to warn us of our situation. We were completely blindsided. We were left with few options ; pay, sell, or do a loan modification. We are not in a position to pay {$17000.00}. A loan mod stretched as long as possible still would not get our payments down to a reasonable rate. So that left us with sell. We have been on the market for a little over a month with a few interests but nothing extremely potential. Earlier this week we received a certified letter from a law firm declaring foreclosure status on our residence and we have roughly 60 days to vacate the premises. I can not express enough how sad and disappointed this makes me. Without warning we had our home taken away from us. Thankfully my children are young enough to not completely understand what is going on, but for my wife and I we have taken away the bitter taste of shady financial practices.
Open Date :   XXXX /2016 {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.
I purchased a mattress from  XXXX   XXXX  which was delivered on  XXXX / XXXX /  XXXX  . After taking delivery I noticed that there were stains on the side of the mattress and contacted the company several times by phone. At their request, I emailed them pictures on  two  occasions of the stain. No response was received from  XXXX   XXXX . I disputed the charge with Commenity Bank who I pay to for the mattress. There investigation concluded with  XXXX   XXXX  falsely stating I have never contacted them regarding the stain. All supporting documents are attached and phone records of calls made to the store can be made available as well.
Our hardship started in XXXX. We contacted the servicing company at that time was XXXX. 
We were told that since we were not behind on the mortgage we had to wait before we could get any help. After being very fearful of losing their home, they talked to some friends and acquaintances and they recommended a law firm located in XXXX XXXX, NY and promised a solution of a modification and they would get us back on track with XXXX XXXX very quickly. They requested {$6000.00}. XX/XX/XXXXXXXX immediately and they borrowed the money from the husband 's boss and paid feeling very secure that the promises were true. For whatever reason the law firm was closed by The District Attorney. 
We were not able to get our money back or any of our documents. 

After going through that huge disappointment, there was a cease and desist on our account that took over a year to get removed from the account so that someone would even speak to us. While we were with the law firm we had to pay {$500.00}. pr month for the promised help they were supposed to do for us. After being able to talk to the servicer on our loan in XX/XX/XXXX. 

We notified XXXX that we were back to work and ready to start making mortgage payments. We have had at least 15 different representatives working on the account. 
After working with XXXX for so long the account was transferred to a new Servicer SLS XX/XX/XXXX. All of the work that was put in in XXXX was not considered at ll and we had to start over and they rushed us into foreclosure.
my 30 year fixed harp mortgage changed from {$750.00} monthly to over {$2000.00}. I was sent a higher mortgage payment in XX/XX/XXXX and when i called, they said that my insurance or taxes must have gone up, raising my escrow but after checking with both i was told no, the escrow was to remain the same. I continue to receive 2 phone calls a day from Nationstar mortgage, continue to receive letters with increased monthly mortgage payments plus late fees and have attempted to speak with them on the phone to no avail. One person whom I spoke with said that the mortgage company must have applied a mortgage i sent in in XX/XX/XXXX to principle rather than a payment and I tried to tell her that I did not intend this to happen and no one contacted me. This phone call took place inXX/XX/XXXX. I get phone calls at XXXX XXXX every XXXX ( I work XXXX until after XXXX so this is early for me and wakes me up every XXXX ) then they call me again in the afternoon when I am work and ca n't talk to them ... ..customer service is manned by " English as a second language '' people and ca n't understand the issue, reading me a script which does n't help. I have been working on this for over a year ... .please help.
My account with Paypal Credit is past due and received a message from them regarding a payment arrangement offer and to call them by XXXX to accept it. I called earlier this evening on XXXX, the rep put me on hold to speak with a senior rep regarding numerous notes on the account, I was then advised she can not speak with me about anything pertaining to the account as there is a cease and desist notice which I did not place and am not aware of. I previously advised her of the message regarding payment arrangement and if she can not speak with me then any such arrangement is pointless, null and void. Paypal Credit claims to have offered me payment arrangements/plans prior, however, I did not receive them and am not aware of them. I did call in prior to accept such plan ( s ), was told they are all expired. I also advised rep ( s ) earlier today and on prior calls that the orders from an XXXX are fraud, these are jewelry orders which I did not place myself and did not receive. I requested a settlement amount with the rep from earlier this evening but again, she can not speak with me about the account. This is very odd as the message I received prior regarding payment arrangement did not mention anything about a cease and desist, this is totally bogus in my opinion. I called back again and message said they are closed at XXXX XXXX, I believe the rep I spoke with prior made the story up about cease and desist up so as to get me off the phone so she can go home as they are closed.. Please advise Paypal Credit I am at my wits end with them and I will offer them a settlement amount of XXXX, the balance as of now is around XXXX. I believe XXXX is fair considering the orders to XXXX are fraud and run into the thousands. If they will adjust balance to XXXX I will make XXXX last call to discuss payment arrangements. If they do not accept then that is their loss, a prior collection agency referred the account back to them due to fraud charges and my unsuccessful attempts at making payment arrangements directly. Having said this, you would think Paypal Credit would be more cooperative in this matter. In closing, please advise them of my offer of XXXX settlement and payment arrangement
I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Dear CFPB, I was in the process of applying for a XXXX XXXX Credit card online. I have not applied for credit online before. It seems that i answered some online questions meant to verify my identity incorrectly so the application was declined upon the merit of that. This was recorded as an application for credit on my report, however they simply said that they could not verify my identity online. Furthermore they refused to send me a written application. Also they said that I would have to wait 30 days and to try again. However this seems to be a pointless game. If you are a high end retailer and want the business of a customer of many years, then you would send out a paper application as a matter of course. However the call in center if far from high end. I feel that there is something wrong here. 

Application made : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Application number : XXXX XXXX XXXX/ Capitol One XXXX Also it is nearly impossible to submit a credit dispute online to XXXX   using their online form. The application deletes itself if you try to scroll down. Also it uses private credit history questions as a form of identification. It would be nicer if there was a form I could print out and send in with proper identification. I imagine if you really had a problem, you could become quite frustrated. 

That said this will be the last of XXXX XXXX and Capitol One Credit applications which I fill out. You must hear so many more serious stories than this, however I do nott like unprofessional persons playing games with my credit. 

Many thanks, XXXX XXXX XXXX XXXX
We had medical emergency at XXXX XXXX XXXX in XXXX. We paid all the bills in time except a small bill for {$97.00} from XXXX XXXX XXXX XXXX which we never received. During this time we also moved so XXXX be the notices were lost in mail. Surprisingly 7 months later we got a collection notice on XX/XX/XXXX from PAYACEI ( dated XXXX XXXX ) based in XXXX VA. We immediately called XXXX XXXX XXXX to investigate and made payment for this balance on XXXX XXXX. 

We have also received paid in full statement from XXXX XXXX XXXX yet XXXX claims that we owe this money to them. When I called to explain, they were rude and continue to insist that We owe them the money which we already paid. I believe that this company is fraudulent and uses abusive tactics to collect debt, even if it is already paid off. 

The reference number for this notice is XXXX
On XXXX XXXX, 2015, my coworkers and I were rear ended by another party. I immediately saw a chiropractor XXXX XXXX in XXXX. XXXX XXXX was aware this was an accident and other insurance company was paying for my injuries. During the negotiations, his office was trying to refer to me to an attorney they knew, I declined. XXXX XXXX never told me he was going to send me to collection. The other insurance company paid XXXX XXXX directly. I have had to send his collection company a XXXX paid invoice because XXXX XXXX office would not communicate with them. Now, I get a call from his collection company and spoke with XXXX XXXX there that I owe interest and they would remove the collection from my credit. How can this be if I got a XXXX paid invoice??
I got a " Credit Card '' from American Express last year ( 2017 ). 

I made an error in getting this " Credit Card '' because it was not a common Credit Card ; they required you to pay 100 % at the end of each month. So I decided to cancelled it. 

Before cancelling the " Credit Card '' I made the following payments : XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$400.00} Last days of XXXX, I called AMEX to please charge the FULL amount I owed at that time, and cancel the Credit Card. Because I only had it for 5 months ( or so ), they delete the annual subscription fee ( {$400.00} ) and told me that the amount due was {$2000.00}. So they did charge 100 % of the amount due on XX/XX/XXXX to my bank account. 

Since XX/XX/XXXX, I didn't have AMEX anymore, an nothing owning them neither. 

BUT, on XXXX I identified a late payment on my credit score from AMEX ... Called to see WHY and HOW, could I have a debt with them if I already called in XXXX and PAID 100 % and cancelled the credit card. 

They told me was an AMEX error, and deleted the late payment fees but anyway charged me {$120.00} -telling me that NOW I didn't owe nothing. 

BUT ( 2 ) ... In XXXX, again it appeared a late payment on my credit score, so I called back again.. they said I had 2 late payment fees, but was an error from AMEX.. so they delete those " late payments '' again.. 

The problem today, is that since XXXX that I told them to charge 100 % and cancel my credit card, they have been nice to delete those " invented fees '' but they say, that they are not able to delete that from my Credit Score I would appreciate you listen the calls and take action, because it's not fair to have " late payments '' for the las 4 months on my credit score because of their error. 

I appreciate your time. 

Best regards, XXXX XXXX
In XXXX XXXX, A submission to PSLF was submitted to XXXX and was approved. In XXXX XXXX, XXXX XXXX took over but did not address what forms of payments qualified. XXXX XXXX payments made but stated are n't towards any plans. XXXX XXXX still no action from XXXX regarding transfer of loans. Finally got hold of an agent in late XXXX XXXX and was told to resubmit all documents to be placed in a plan. I feel cheated and neglected to be advised from XXXX XXXX until XXXX XXXX XXXX 3 Months credit ) of payments not counting towards anything. I spoke to agent about credits, and was told sorry, no credits. 

To make matters worse, once qualified, no indication of any payments are towards any month crediting towards the 120 payments in any month 's statements. The only notice received at year end was to resubmit annually an employment verification form to be reviewed. This posses a delay for those who pay on time.
XXXX XXXX Rental claimed I am responsible for a dent on the rear passenger door. I am not responsible for this damage. It did not happen while the car was rented to me. It says so right on the original contract.
Being continuous contacted about a charged off debt from no longer functional ; bankrupt company. I have received a Garnishment summons for over five years concerning this account. This collections dept used a third party to gather information about me. The information that there using to collect is totally incorrect. I no longer work for the company they trying to collect from. I never applied for credit using the company information, I previously worked for. The only way they could have gotten that company information would be to get it from IRS or my personal email using a hacking service. The reason I said hacking email, is because I asked previous employer for a form to file taxes with and it was sent through my email account in PDF format, this month. That would be the only XXXX options I can think were they could have gotten employers data from. Hacking into a persons email account using a data gathering tool.
This was previously submitted and I received my XXXX control number meaning that you have received all of my articulate and lengthy response. My case number is XXXXfor some reason no matter how many times I have. Submitted my responses I am prevented by this website to proceed with the remainder of the form. If consumers can not submit serious issues. Through you site efficiently then we have no way to submit our very serious violations
The Attorney General of the State of Ohio sent expungement letters to Experian requesting they remove XXXX liens which were on my report. I sent a certified letter to Experian requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.
I have a XXXX mortgage, serviced by Nationstar. For the past year I have had the property listed with a realtor, to sell as a Short Sale which was approved by XXXX. My realtor has a prospective buyer but we are running into extreme difficulty. A valuation was placed on the property, by Nationstar I believe, that is high for what the property has to offer, and the condition that it is in. I have submitted pictures, repair quotes, and a CMA to document the high valuation, but Nationstar is telling us that they wo n't review it. XXXX has given Nationstar free reign to do what they want, so consequently they are not reviewing pertinent documents and informing XXXX. Nationstar is trying to force me into a foreclosure even though there is an offer on the table that is very reasonable, XXXX that brings 94 % of the CMA value to the investor. And if we factor in the repair quotes of nearly {$10000.00}, the current offer brings 98 % of the CMA value! We are finding it difficult to comprehend that the investor would turn down such an offer if they were fully aware of it, which they wo n't be if Nationstar does n't review the documentation we are submitting and shares it with them! 

My realtor has been going back and forth with Nationstar and XXXX trying to find someone to give a serious look at the documentation that I have pulled together to refute Nationstar 's valuation, but is getting nowhere. They feel that working through XXXX does n't get them to someone who will actually take a real look at the case. THERE IS A FORECLOSURE SALE SET FOR XXXX XXXX, 8 DAYS AWAY. Both my realtor and I continue to try make headway, but Nationstar refuses to bring this to the attention of someone who will take a serious look at the documentation that shows their valuation is high. And XXXX agents are n't getting either of us to someone who has the authority to get involved and take a serious look at the valuation. I do n't think they are aware that Nationstar is pushing this property to foreclosure when there is such a good offer on the table.
XXXX XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them it is XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them is XXXX & XXXX The Collection Firm tried to collect a debt I DO NOT OWE-Letters attached that was sent to themXX/XX/XXXX XXXX is trying to collect a debt I DO NOT OWE-The Debt shows from XXXX has violated the policies established to protect sonsumers!!!!