WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, I signed into my XXXX account to place order of their credit monitoring and score from all 3 bureaus. When I " purchased '' product there was an error message to the summation that XXXX was unable to satisfy request because Equifax will not release credit file/score to them. 

At that point I call XXXX to get clarification, and was told to call Equifax to see what the issue is on their end, as they were the one blocking. I called Equifax, and a representative verified my identity, and checked my file stating " there was no block or fraud alert '' on file that would indicate not to release my file. that day I just gave up. 

XXXX XXXX, I tried to purchase XXXX product AGAIN, same result with Equifax will not allow XXXX to obtain necessary information from Equifax. I spoke with 2 XXXX representatives this day and they both said Equifax is blocking their access to my file. That I must call Equifax to " release file and report to XXXX '' so that I can get my score/report. Each XXXX said on their end they see an 'error code ' that indicates equifax will not let my purchase go thru 'due to possible fraudulent or misused account ... ' I have never had this issue before with XXXX, I have had this service before in previous year ( s ).  This is a first! 

I called Equifax 2 that morning XXXX XXXX XXXX ) after talks with representative, laying out the issue. Equifax rep, verified my identity, checking file to make sure no block. Then Rep # 1 said she did not see any blocks on file, she can send me report in mail ( I agreed ), but can need to call Equifax at their XXXX number for more help. 

Equifax rep # 2, verified and also saw no blocks on my file but said I could get my score from " another provider that I can get XXXX Equifax score from ''. I told him, " I just wanted to use XXXX ( I had account and used in previous years without issue ) and order all 3 at once. And if I ca n't get my score/report from XXXX, would n't same issue occur with any other provider? '' Rep # 2, reverted to him not seeing any blocks on my file. Rep 2, said to have XXXX call Equifax Business Customer line to sort this out. ( XXXX said they do not call bureaus to request consumers files/scores as it would be outside their practices. ) Rep # 2, I had asked to speak to higher up in Equifax that I can speak too, " ma'am, we all have access to same database. '' Then I offered a 3 way call, I can add XXXX to call, he said they do n't do that ( by-golly ). Well what is it that they do, do?? 

After about 5-10minutes about issue in past 30+ days with Equifax , I am done playing ping pong, as to whose responsible for blocking my file. Clearly Equifax has something in their system or other issue not allowing consented request by me, and they seem to have NO answer or higher up assistance offered to consumers for issues like this. At that point do we as consumers email their company President?? We do n't know.
I opened a mobile home mortgage with 21st mortgage. I make more the minimum payment every month but the overage is held in suspense instead of applying it to the Principal of my loan. I have to call in every month to have them apply the overage to the principal amount. Any overages should automatically be applied directly to my principal. 21st Mortgage suggested I mail in a payment instead of paying online and include a note to apply it to principal. Mailing a payment is less reliable and costs postage as well as time. The online payment is reliable and free. I also have not received a statement to-date and believe I should be receiving these monthly with a break down of my principal, interest, escrow and etc.
Contacted Transunion about being a victim of there inquiry issue. I have inquiries on my report they added which isnt mine and they refuse to help me saying I wasnt a victim.TransUnion failed to follow the LEGAL procedure to add inquiries to my account.
This is my second complaint. 
They never addressed the issue that they violated my personal privacy by telling my ex husband whom I'm in the process of a divorce with everything about a check sent in the mail. 
It was all relayed to him in turn he told his attorney about this information. 
They clearly violated my privacy buy telling my personal information to somone other than myself especially someone fighting me with a divorce. 
I called and asked why they did that and the lady said she would have a meeting about discussing personal matters. But clearly that is the least of their worries. 
They are denying it when I have proof from my ex husband and his attorney.
This complaint is simple. A company by the name of XXXX XXXX XXXX has XXXX entries listed on my credit report that I have disputed and they come back verified. Letters to the collection agency have gone unanswered requesting full validation of debt. This company is no longer in business per the XXXX website. In additon, XXXX XXXX XXXX recently entered into a consent agreement with CFPB for violations against consumers. So how exactly did the credit bureau obtain verification of debt from a company that is no longer in business???
To Whom it XXXX Concern : Suttle, Hammer and White identified themselves as Attorney 's via letter correspondence when they served me with a summons to appear in court in 2015. But when I call, the voice mail states the opposite as do the reps that pick up your call. I negotiated with SHW to pay {$1800.00} with {$1200.00} down and {$100.00} a month there after. I paid {$1400.00} instead and have diligently paid the {$100.00} agreed upon amount. I sent check # XXXX dated XX/XX/XXXX for the agreed amount of {$100.00} and requested a receipt that this was the last payment. Instead of correcting me that it was in fact not the last payment, Suttle, Hammer and White sent my check back to me with a letter stating it was not the last payment. Not only was this an adolescent and lame response, this jeopardizes the payment plan I had to agree too and now I am concerned of late fees. So, instead of cashing the check that I wrote, they sent it back because I wrote on an index card requesting a receipt that this was the last payment.
I have contacted Experian several times regarding inquiries that I didnt initiate. I would like for these inquiries to be removed and I would like proof of the inquiries listed below. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX
FIRST INVESTORS FINANCIAL SERV, Account Number : XXXX .... " is reporting a car that I had financed through them in XXXX of XXXX. The car was then totaled out in XX/XX/XXXX and paid in entirety by my XXXX auto insurance. They have then reported late payments for XXXX and XXXX of XXXX and then reported a charge off of {$930.00} I disputed it with the credit bureau 's and they have responded with " Comment : Purchased by another lender '', however, THEY are the company reporting it on my credit and it is not listed on my credit report with another lender. I was n't made aware of this at all. Even still, the information would be incorrect with the other lender as well. I demand that this charge off be corrected and update on all reports.
I have tried numerous times to get this alleged debt/ accounts verified in the standards following FCRA. I have filed Disputes almost every 30-45 days because Experian has failed to adhere to the laws of FCRA. All Experian says is its " verified and updated ''. I sent additional letters requesting documents that prove how they verified it and who they spoke with. But no response to those letters. As according to section 611 in FCRA, as taken a part of my letter, " by the provisions of the Fair Credit Reporting Act, Section 611, I demand that these items indicated be investigated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. I understand that under 15 U.S.C. Sec 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

With asking this information Experian sends me these kind of responses that say, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. My additional information is this document asking for proof in how Experian verified these these two accounts ( XXXX XXXX and XXXX  )
In XXXX of 2014, the Consumer Finance Protection Bureau implemented rules for mortgage servicers that state that : " Periodic payments must be promptly credited as of the day of receipt. A periodic payment consists of the amount necessary to cover principal, interest, and escrow. '' My monthly mortgage payment according to my contract is {$610.00}. On XXXX XXXX, through XXXX I sent a payment of {$800.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX, through XXXX I sent a payment of {$700.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX, through XXXX I sent a payment of {$710.00} that was accepted by Dovenmuehle but never posted to my account. So for three months I made payments that were more than my required periodic payment amount but Dovenmuehle intentionally did not post them to my account in accordance with CFPB policy. 

Also, in the XXXX 2014 rules posted by the CFPB, it states : " You can not make the first notice or filing for any judicial or non-judicial foreclosure process until the consumer is more than 120 days delinquent. '' If Dovenmuehle had properly complied with the CFPB rules and credited my account, they would find that I am not, nor have I ever been 120 days delinquent. As a matter of fact, at the time I made my XXXX XXXX payment of {$710.00} that placed me roughly {$200.00} behind in payments plus some late fees. Not even a full periodic payment as stated in my contract. 

I have continued to reach out to XXXX and their representatives, advising them of their violations of CFPB rules but they insist on moving forward with foreclosure without properly posting my payments to my account and despite me not being 120 days delinquent.
I called Capital One, and I was in touch with Capital One employees in CA CapitalOne Cafe. 
As of XXXX, i owed about XXXX dollars. I was notified that as long as there was a balance on my account, i would owe interest charges. OK. I spoke with persons over the phone, and people in CapitalOne XXXX. For XXXX, i paid XXXX before and on XXXX XXXX. I was notified that as long as there was a remaining balance for the month, i would owe interest on that balance. OK. Remaining balance after my payment is XXXX dollars. I was then told that if i did n't want to be charged interest in next month payment, I should pay in full amount of remaining balance before XXXX XXXX. I decided to follow their advice and pay the full amount of XXXX dollars before the end of the month XXXX XXXX. For 7 days my balance showed as XXXX dollars balance. I paid in full my remaining balance. OK. Then, suddenly, XXXX XXXX, i get a notice on email. You have a remaining balance of XXXX dollars. Why, i was told that if i made the remaining balance payment in full before the end of the month, i would not be charged interest/extra fees. I made the full payment of XXXX dollars. Yet, on XXXX XXXX, i was apparently charged XXXX dollars. That is absurd. I was told by Capital One that as long as i had a remaining balance at the end of the month, i would be charged interest. BUT, if I made the payment in full on the remaining balance, i would not have to be charged interest - as there was nothing to be charged on. It is absurd to be told that i would not be charged interest as long as i paid my credit card balance in full. Capital One i believe is misleading,
Dear Credit Bureaus : My wallet was stolen out of my car back in XXXX, 2015 and it had my social security card, driver 's license, and all of my credit cards. As a result, I filed a police report that is attach to this letter, with a copy of my driver 's license and bill for my current address which validates my address. My credit cards were closed and new ones had to be issue because the thief used my credit cards and occurred debt without my knowledge. Today as I was reviewing my credit report, I noticed that I have a collections account on my credit report from XXXX XXXX XXXX that does not belong to me.
From what it looks like on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX there were accounts opened with XXXX XXXXk. I DID NOT open these accounts at all! I want this this is ruining my credit and how i can open up an account also it looks like someone opened up an account at citizens bank as well on XXXX/XXXX/XXXX I had my wallet stolen but I dont get how they opened my account like this! 

I have tried to talk to them and they wont do anything about it. I just keep getting bills to pay it. I am not paying anything that i dont owe!
I recently received a certified letter containing a Notice to Occupant of Pending Acquisition from XXXX XXXX XXXX. I do not reside in the property. This is the only document that I have received over the last year informing me of this matter with the exception of the legal foreclosure documents filed with XXXX County in XX/XX/2017. I have made multiple attempt to contact XXXX XXXX and have made multiple attempts to retrieve information from XXXX XXXX   in order to clear my name of this outstanding debt. Over the last year, I have talked to multiple Customer Service Representatives and have had to explain this story over and over again. I have been denied multiple requests to talk to an individual in management. I have been given multiple different stories/ scenarios about my liability and my association to the loan attached to this property. According to the Fair Credit Reporting Act : I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. 

Additionally, I have been told that I would receive phone calls from Management at XXXXXXXX XXXX, have been assigned multiple single points of contact, and still have not been able to get a straight answer or any type of assistance in this matter. XXXXXXXX XXXX has denied my request to have all documents associated with this loan/ property sent to me and the customer service representative indicated that this wasnt possible and in similar situations that other spouse didnt worry about situations similar to this. 

XXXX XXXX has failed to keep me informed and has acted in a negligent manner. Due to this negligence and failure to provide me with documentation about the status of the loan over the last year outside of the Foreclosure Notice, I am requesting that all they remove all negative reports to my credit status immediately. Additionally, after months of attempts to contact XXXXXXXX XXXX   to retrieve this information and talk to a representative that could provide me with accurate information I have been falsely informed by several Customer Care Representative employed with XXXX XXXX indicating that I should not be held accountable for the loan. XXXX XXXX may be considered a major financial institution should be held accountable for unfair practices, miss informing customers, and refusing to keep accountable parties informed. Due to XXXX XXXX negligence in this matter my reputation has also been damaged. XXXX XXXX performance deficiency has caused additional damage.
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and Wells Fargo. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. Example of discrepancies. On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XX/XX/XXXX beginningXX/XX/XXXX-XX/XX/XXXX. On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XX/XX/XXXXbeginning XX/XX/XXXX-XX/XX/XXXX. There are also fees that are not consistent on each set of statements as well. I have also highlighted the discrepancies on the customer account activity statements. The discrepancies are as follows : Documented on XX/XX/XXXX customer account activity statements.

Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX Repay of Escrow Advance {$470.00} XX/XX/XXXX Escrow Advance {$590.00} XX/XX/XXXX Repay of Escrow Advance {$77.00} Documented on XX/XX/XXXX customer account activity statements.

Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX fees Assessed or Recovered Fee {$82.00} XX/XX/XXXX fees Assessed or Recovered Fee {$25.00} I would like to take legal action on this matter.

XXXX XXXX
Hello, The bitcoin wallet site coinbase.com just locked my account on XX/XX/XXXX without any reason and seized my funds, now I can not access to my account nor to my funds. They locked my account without any reason. Please help me get my funds back. A lot of people are complaining about coinbase fraud and I 'm one of those victims, I sent various emails to coinbase support but they do not respond at all. They 're making people fool and locking their accounts. I have almost {$1000.00} USD locked in my account, Please help me get my funds back. 
Thank you.
I have no recollection of doing business with this creditor. I have disputed this account numerous times. After numerous attempts to have the account removed from my report through disputes account continues to be verified and not investigated properly. The Creditor continues to refuse to remove account and re-aged the account.
I tried to open a chase ink card for myself. It was opened however, when I activated the card they shut it down cause they needed more information. When I sent the information in I never heard back from the department. I called multiple times and they never got back to me. I think they are trying to avoid giving me the bonus points as advertised.
On XXXX XXXX 2016 at XXXX I received a call from a XXXX. She introduced herself just that plainly. She was very casual and stated " Hey this is XXXX can you talk? '' To which I replied " yeah what 's up? '' Thinking I was talking to one of my friends named XXXX that was in need. This particular XXXX then confirmed that she represented National Credit Adjusters and proceeded with confirming my address. She spoke very quickly so I asked her to repeat who she represented. I then ended the call out of intimidation and did not wish to handle my account with a representative that works in a fecious manner as such. The next day the same XXXX called in a casual fashion this time failing to tell me who she represents and the purpose of the call. On this call, after telling me her name she immediately asked why I hung up on her the day prior. I was about to ask her if her conduct was legal but stopped myself and explained to her that I can not afford to make a payment at this time and would appreciate her to cease her calls. Which was a untrue statement but made under pressure. XXXX proceeded to chuckle laugh on the phone after that and apologized for trying to help in a sarcastic tone before hanging up. Neither phone call did XXXX properly introduce herself nor was I given a disclosure of the purpose of the call before proceeding that is standard. I do anticipate making a payment to avoid this collection going to the credit bureaus as I have done in the past. Because of such unprofesisonalism, I failed to have the opportunity to tell the agent that I have recently lost my job and am actively seeking full time employment. I take my credit very serious as a victim of child identity theft in the past and would appreciate a more mature handling of my debts/secure information than what was received from XXXX from National Credit Adjusters/XXXX ( Caller ID name ).
Ocwen has been over charging me escrow fees since XX/XX/XXXX. My property taxes were {$6500.00} in XXXX, but Ocwen charged me nearly {$9000.00} in property taxes. My home owners insurance was {$200.00} per month in XXXX, but Ocwen charged me {$280.00} per month. In XXXX my taxes went down to {$2500.00} per year because I reached age XXXX, but 0cwen continues to charge me {$780.00} per month. I have complained in multiple occasions and to date  nothing has been done. I need relief and a lower monthly payment.
I endured multiple issues  with USAA over the p ast year that, in my opinion, appear to demonstrate a pattern of very concerning behavior. In  XXXX , the bank sent an unauthorized payment from my checking account to a recipient I deleted   from my account. After months of awaiting resolution, USAA told me that they would not take any action. I decided at this point that I would remove all of my business from USAA and the representative told me " good luck ''.
I then worked to close my credit card with USAA. After being transferred a dozen times to various representatives, the    bank eventually agreed to close my credit card and confirmed that they would no longer use it for their internal automatic payments. Needless to say, they billed it anyway and then told me they could not close it. This took another series of steps to close the account. It still appears open on my login screen with an expiration date of   XX/2017 . USAA al so signed me up for all of their credit card marketing and told me that I had to call a specific person to opt out.   I attempted to close m y USAA Savings acc ount today. There is no online option, so I went to the chat service. Afte r 10  minutes, they told me I could only close by calling in. I called in and the first representative said aft er 10 mi nutes that she could not close the account and that I would need to call back. I asked to speak to someone else. They transferred me and another representative said she could not close my account, but might be able to tomorrow. I asked for a supervisor. She then told me that she could close my account tomorrow, if I called back. I asked her to just close it, and she told me she would not.     For additional historical issues with the bank, I had two instances where errors from USAA mortgage services caused financial loss to me that I had to work to recoup. The first, I caught during the mortgage process and spent hours reconciling. The second was caught by an audit and resulted in payment sent to me years later.
At this point, I can no longer assume positive intent with the USAA team. I feel abused and they are attempting to force me to keep accounts open with them as I close them. I would like to file a complaint accordingly. I seek to have my savings account closed, my credit card confirmed closed, and whatever your team deems appropriate regarding my other experiences. Thank you in advance for your assistance.