WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has not been allowing people to Freeze Credit for at least 3 days now! 
On XX/XX/2019, I went to all 3 credit bureaus to freeze my credit. Two worked quite easily. However, the Equifax website would continually give an error. I was able to set up my account with Equifax properly, but I could not freeze my credit. The error message said " We can not complete your request at this time. '' We have tried for both my account and a separate account for my husband and receive the same error for both. 
So I tried again today, Sat, XX/XX/2019 and received the same error. I called the Equifax Consumer Care team at XXXX ( per the welcome email I received after setting up my account properly ), and the person who answered the phone said " I apologize but our systems are down and we can not access any information today. '' In summary, for over 3 days, Equifax is not allowing people to freeze their credit as they are required to do by law.
I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all XXXX credit bureaus XXXX XXXX and Experian with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XXXX of XXXX. This item is over 7 years old and is still being reported on my credit report. XXXX completely deleted the item, XXXX has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XXXX and a last status date of XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance.
Due to circumstances surrounding Hurricane Matthew in XX/XX/XXXX, I missed mortgage payments for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I requested the paperwork for a loan modification, received it and put it aside while I was dealing with insurance difficulties with Bank of America ( including that BoA had never removed the previous Bank 's name from the Mortgage when BoA had purchased said bank and the bank no longer existed. ) Automatic mortgage payments were then made XX/XX/XXXX - XX/XX/XXXX, then beginning with the XX/XX/XXXX automatic payment, BoA began rejecting the automatic payments. I have no record of being notified about this and did not notice the payments had been rejected until XX/XX/XXXX. It is obviously my fault that it got to this point, however, at this point I received notice of foreclosure with the auction date of XX/XX/XXXX. Instead of calling a lawyer, I called BoA to ask if it was too late to file the loan modification papers and was told by BoA that I could. I filed these papers on XX/XX/XXXX electronically and spent the week calling BoA to follow up on the process. The foreclosure process was already underway at this point. BoA was talking to me until 30 minutes before the auction on Tuesday, XX/XX/XXXX and telling me they were working on the request. XXXX XXXX, Dedicated Customer Relationship Manager, was my contact. The house sold at auction while I thought BoA was helping me. Then on XX/XX/XXXX, I began receiving notifications in the mail that my case was received and being opened.
We bought our house XX/XX/XXXX in benefit of our family. we have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all responsibilities. I was sick and XXXX. XXXX owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP TRIAL PROGRAM. XXXX TOLD ME TO CONTINUE MAKING MY PAYMENTS WITHOUT SKIPPING ANY PAYMENTS. I continued making my payments every month but they continue asking for the same documents over and over. every month I asked them when will I get my final approval the answer was they were waiting for another department to finalized the paperwork and they will send my final approval by mail. after a year XXXX TRANSFERRED OR SOLD MY LOAN TO PENNYMAC BANK without asking me or telling me anything. It was until maybe 2 months later when I received a letter from PENNYMAC BANK SAYING THAT THEY WERE MY NEW LENDER. 
THIS IS A BREACH OF CONTRACT. PENNYMAC BANK SAID THEY COULDNT PROCESS MY PAYMENTS AND I HAVE TO START ALL OVER AGAIN!!!. 
THEY SAID THEY COULD N'T HONOR MY PAYMENTS BECAUSE THEY DIDNT HAVE MY FILE. XXXX INTENTIONALLY SOLD THE LOAN TO PENNYMAC BANK AND NOW THEY DO N'T WANT TO PROCESS THE LOAN MODIFICATION. AFTER ALL We continue communicating with PENNYMAC BANK looking for more options to avoid losing our house. We tried asking for help and they were sending us misleading information by mail to apply for their programs but we were declined all the time, we tried XXXX program but PENNYMAC BANK did n't want to participate on their programs. it has been very stressful situation and severe emotional distress due to their actions and negligence on the law. These banks abuse the borrowers right as a Lenders and they do unfair business practices. 
PENNYMAC BANK MOVED IN TO A FORECLOSURE PROCEDURE without trying to honor a Loan Modification. they continue charging us late fees and legal fees on top the the NEGATIVE LOAN BALANCE THAT WE ALREADY HAVE ACCUMULATING IN TO MY LOAN AMOUNT. CITIMORTGAGE AS WELL PENNYMAC BANK ARE FULLY RESPONSIBLE OF THIS SITUATION DUE TO THE BAD AND ILLEGAL PRACTICES. PENNYMAC SHOULD KNOW THAT WE WERE ALREADY APPROVED FOR SEVERAL MONTHS BEFORE THEY ACQUIRED MY LOAN. 
On or about XX/XX/XXXX the filed an NOD they were supposed to contacted me as a borrower and explore options and avoid foreclosure but they did n't. I tried to avoid foreclosure all the time and I will continue fighting for my legal rights.
I pulled my own credit report last year of XX/XX/XXXX and on that same month, I have disputed Items that has been almost 10 years past the 7 years due time for deletion. The collection agencies has continued to keep updating this very old debts just to reflect that there was a new activities. When I disputed the 3 major credit reporting agencies, creditor and collection agencies, I requested them to supply me a copy of all records of why I owed them because I do not have any recollections due to the time being so Old accounts and they can not provide me with anything, instead, they just keep updating the negative information with CRA for over 10 years now. Under FCRA 623 ( A ) ( 5 ) ( A ) - If you are a debt collector furnishing information to CRA about the accounts of a creditor, YOU MUST REPORT THE DATE OF DELINQUENCY GIVEN TO YOU BY THE CREDITOR, This dates of delinquency, determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven ( 7 ) years from the debt of delinquency. In my case, XXXX XXXX and XXXX XXXX XXXX has been reported me for over 7 years and I believed it's close to 10 years now.

1. XXXX XXXX - Opened Date - XX/XX/XXXX - Acct. Bal. {$550.00} / Charge Off - I have requested to send me any information regarding of my signed agreement with my signatures, documentations of all charges with my signatures, they can not provide me to support their inaccurate information and I believed that this is over 10 years now from the delinquency date that XXXX XXXX has not reported to CRA and that has to be deleted off my credit report.under FCRA 623 ( A ) ( 5 ) ( A ) 2. XXXX XXXX XXXX - Opened XX/XX/XXXX - Collection Charged OFF / Closed / Account balance is {$1800.00} / XXXX XXXX XXXX did not report the delinquency date but I truly believe that this is over 10 years and XXXX XXXX XXXX  continues to keep updating on this very old account that has been past due of the 7 years Under FCRA 623 ( A ) ( 5 ) ( A ) 3. XXXX XXXX XXXX - XX/XX/XXXX - Acct. Bal. {$200.00} - I have disputed this account and requesting CRA to provide me all the records of any agreements that I have signed with the credit grantor and any charges that I have approved but XXXX XXXX XXXX  can not provide me with anything and they they continue to report negative information to ruin my credit. Any inaccurate information must be deleted per FCRA - you must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) 4. XXXX XXXX XXXX - Date opened XX/XX/XXXX - Account balance {$0.00} - Charged OFF - I have disputed this item of why payment status showing as Charged OFF and this negative reports to my credit is affecting my ability to buy a house. If XXXX XXXX XXXX can not provide me with the acceptable explanation or does not have the accurate information, Please delete this negative information off my credit report.
I am a victim of identity theft and I received a fraud alert from Experian in reference to unauthorized and fraudulent inquiries listed on my Experian credit report. I should n't not have any inquiries listed on my credit report. The following inquiries are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
I have tried resolving this matter with Enhanced Recovery Company for over a month via postal mail and have yet to receive any response. I would like this alleged debt removed immediately from all credit bureaus.
On XXXX 2016 I made full payment for home owners insurance for my property XXXX XXXX XXXX XXXX Pa XXXX. The cost of the new policy was significantly less than the previous policy. From XXXX 2016 until present date Ditech has continued to escrow funds in excess of the total amount due divided by twelve months. The total amount of mortgage -principal, interest, real-estate and home insurance has not been assessed so that the correct amount of funds are credited as additional principal that I that I pay each month. The homeowners insurance was paid in full so there it should not have been included in the escrow balance. The total amount due for the mortgage should have been decreased or I should have received a refund of overage paid to my account. 
My home new home owners policy cost less than the previous one. I paid it in full. Yet Ditech continues to take funds from my payments and place them in escrow for the homeowners insurance. 
The additional principal has not been actually reflected on the statements. The principles should be significantly reduced because I pay an additional {$74.00} principal each month. Plus a XXXX balance due for home owners insurance should reflect be reflected on my statement. 
Ditech owes me for overage paid to my escrow, but a recent statement sent to me states that I have a deficiency of XXXX. This is not accurate. Also what are the rules that govern collecting a cushion for escrow Ditech is planning to collect & {$360.00} as a cushion escrow. Why is there a escrow cushion be calculated into mortgage if payment for the homeowners is paid in full. 
The escrow account disclosure is inaccurate and appears to be a deliberate effort to not reflect what was actually paid and what is actually owed. 

I want an independent assessment of my account. I want excess monies paid into my escrow refunded and I want all future additional monies paid to be credited as additional principle. 
XXXX XXXX Account number XXXX
XXXX   XXXX   continues to report account as being delinquent. Credit report shows last payment was  XXXX  2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.
This is the second time I have tried working with Chase for a loan modification due to financial hardship. In XXXX I had to send repeated requests. They kept telling me my paperwork was expired by the time the finally got around to reviewing it. After a year of doing this, I finally received a letter advising me they had no options for assistance. On XXXX XXXX, XXXX I faxed a request for loan modification once again. I was advised it would take about 5 business days to be reviewed & that Chase had changed their process from the last time I had tried to get a modification. Supposedly the process would be more consumer friendly. On XXXX XXXX, XXXX I contacted Chase because their website did n't show any information regarding my request for loan modification & I also had not been contacted like I was advised I would be. This time I was advised they did n't see anything being reviewed. I advised her of the date I sent the fax & was then advised that she could see the complete application but it had not been reviewed OR opened. I was then advised that I should just resend my request because it would be faster to get it reviewed. I was told that would take 2 days from when it was received versus the XXXX10 days it would take if she forwarded a request. I have very little faith in Chase 's ability to handle or process this request due to the horrible way my previous request was dealt with. They already are off to a bad start if they have information but ca n't bother to review it. While I do understand it 's not their fault my mortgage is past due, I think their lack of proper handling is an issue. No one ever seems to have answers & I never get the same information. Thank you for your time in helping me get this resolved.
I deposited three ( 3 ) checks at the Bank of America ATM. Because the teller told me that the lines were too long inside, so I had to go use the ATM. So, I used my ATM card and tried to deposit the checks. The ATM " ate '' my checks and then just shut down. No receipt, no confirmation, no nothing. I immediately called the number on the ATM machine. The service agent who assisted me seemed to be understanding and helpful. She said that she would credit me the amount of the checks immediately while the worked on getting the checks from the ATM. Imagine my surprise when 2 months later, I get a notice from BofA saying basically, " Too bad, you lied about the checks, we couldn't find anything to support your claim, so we're taking the credit back from you. '' And so they took back my money!!! 

This is poor banking, to say nothing of customer service. Bank of America needs to take responsibility of its ATM machines and technicians. Especially if they don't want to help the customers inside the branches and are making customers go and use the ATM 's.
Synchrony Bank sent me a Visa credit card, saying that I have been " upgraded to a new level of gas savings '' for my Chevron gasoline card. I did not request the Visa card and my Chevron card had not expired. When I called them yesterday to ensure it had not been activated and to say that I did not want new credit I was told by both the Representative and his supervisor that, Yes, an account had already been opened in my name. This is not a case of fraud or ID theft. This is Synchrony Bank trying to push credit on me, likely for the purpose of inflating their bottom line. Synchrony Bank has a practice of doing this as it also occurred last year with my XXXX XXXX account, for which Synchrony manages the credit. This is very similar to the XXXX XXXX situation and I am wondering what regulatory entity covers such cases of opening accounts without the permission of the consumer? I would like to file a formal complaint. This is well beyond prescreening and preapproval as they actually sent me XXXX cards and assigned account numbers. They were only willing to " cancel '' the account if I gave them identifying information about myself, specifically my social security number and address, which I was unwilling to do, so they hung up on me. Please let me know how I can file a formal complaint about this predatory practice.
On XX/XX/XXXX I paid {$120.00} and the week prior I paid {$110.00}, totaling {$230.00}. I was supposed to pay {$210.00} on XX/XX/XXXX after my car was repossessed on XX/XX/XXXX. I paid them {$640.00} on XX/XX/XXXX and claimed the car from the repo agent on XX/XX/XXXX. XX/XX/XXXX while XXXX, a rider attacked me and XXXX put my Driver app on hold prohibiting my from making money in order to pay my bills. I spoke to XXXX at Credit Acceptance and she told me to pay {$290.00} by the XXXX and call back to make new arrangements. When I called today, XX/XX/XXXX a guy named XXXX said I needed to pay {$370.00} or my car would be disabled by tomorrow, Fri XX/XX/XXXX. I told him about my dispute with XXXX  over my account being reported as " closed '' when in fact I just made 3 payments over the last 45 or so days and still had the car. He insisted my car would be disabled and offered no further help. I called back and asked for a Supervisor and a guy named XXXX took the call. He listened as I explained my situation and told him I was hired by a new employer and could begin making full payments once I was on payroll in XX/XX/XXXX. I also stated I wanted to make small payments from my XXXX earning since my app was back on. He then told me that " I hear you, but there's nothing I can do but notate your intentions. If {$370.00} isn't paid by tomorrow, your car could be disabled. '' Which is it, {$370.00} or {$370.00}? When Credit Acceptance reps don't threaten to disable the car in an attempt to force struggling customers to make larger payments, the company send a repo agent to force even larger payments and suggests I " ask someone to help me. '' I was lucky to get {$640.00} from a friend in XXXX. I'm not as lucky this month. I believe this company repossess cars fraudently, and not in compliance with the laws or financing agreement entered into between consumers and the company. They're deceptive. I simply want more time to pay and a more reasonable payment agreement based on the change in my financial ability since losing the XXXX income and waiting for my 1st pay check once I start the new job on XX/XX/XXXX. Any help the CFPB can offer is appreciated.
Company claims i owe money for returning new phones within the allowed return time. I returned them the day after i received them and let the company know i was returning them. I was told there would not be any charges or fees for returning them within the proper return time. The limit was within 14 days. I was within that time because i returned them the next day. I talked to a number of people and told me everything was ok. Later i get a bill for XXXX. I would definitely pay it but i feel the company is not holding up to their return policy. I am very disappointed with them.
On XX/XX/2019 I purchased an XXXX XXXX 2 business class ticket for {$5200.00} charging my Chase XXXX XXXX  credit card. Within few minutes I got an email asking me to confirm that this is not a fraud and I indeed made the purchase. I confirmed the purchase to Chase. On XX/XX/2019 I went to XXXX web to make seat selection. I was surprised to find that the reservation was no longer valid. I purchased new tickets using the same card but the same 2 business class tickets were more expensive and cost {$7300.00}. This time the purchase was completed and I did not get any email to confirm that this was not a fraud. Today I called Chase XXXX  and complained. I was transferred among several customer service and ended up with fraud protection who confirmed that they got my initial approval but declined payment with no explanation. ( Credit line was available and only 10 % of available line was charged with {$0.00} balance for previous month due ). As a result of the Chase XXXX XXXX mistake, I am paying additional {$2000.00}. I asked for refund and was put on hold ( with music ) with no one picking up the line.
The Pennsylvania Higher Education Assistance Agency, which operates under the name XXXX XXXX, allowed simple bureaucratic errors or omissions in the mismanagement of my XXXX   grant. 

This mismanagement resulted in the conversion of my XXXX grant into a loan that must be repaid with accrued interest. This is despite the fact that I was meeting the programs XXXX requirements ( XXXX   high need subjects in XXXX XXXX ). The actions of this company have jeopardized the final futures of many XXXX   across the country. 

I contacted XXXX about the error in not sending me my XXXX   grant paperwork directly by mail electronically or physically, and their reply was that their database showed differently. After sending the paperwork in, and having multiple back and forth dialogues with different managers, I contacted XXXX and was told that it was too late. I was told I could appeal and I was later contacted by a XXXX representative who told me more of the same. 

I was told that their systems had shown that they had done all they were supposed to do, and that I was now responsible for the converted loan. I explained to the XXXX representative that I would be contacting the Department of Education ( DOE ) Ombudsmans office regarding the handling of this matter. In an unconcerned fashion, I was told by the representative that I should contact the DOE Ombudsman. 

The U.S. Department of Education Ombudsmans office offered no relief to my dispute. I spoke to a manager who informed me that I did not have to wait on XXXX to send me any paperwork, and that as long as I informed them, they were responsible for changing the status of my XXXX  Grant. Armed with this new information, I resent my paperwork and contacted XXXX who again had reached the same decision that it was too late.
I paid deferred down payments and few payment into the loan on a XXXX XXXX XXXX and XXXX XXXX charged me XXXX this is considered dealership fraud i did sue XXXX XXXX and XXXX XXXX for accepting a loan that is way more than what the car is worth I have papers and proof that i sued please take care of this asap! i have contract details etc.
I have disputed this account several times, asking for verification of the information that XXXX XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014, However I have yet to receive a copy of an Agreement that I signed, or what the contract was for.
XXXX  HAVE SPOKEN WITH MY SISTER AND HAS CONFIRMED THAT THE ACCOUNT WAS NOT IN FACT OPENED BY MYSELF. IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
I am going through credit repair and this company is all over two credit reports and I have never heard of them and do not know who they are. I have never had any letters regarding any contract that I have with them or are in default in. They are on my XXXX and XXXX reports.