WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 

XXXX and XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I dispute the validity of XXXX account XXXX. I request a investigation be opened for this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? Thank you Sincerely,
The last 4 years I have tried and tried. Letters to XXXX, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with XXXX and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX.  They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit. 
I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. XXXX XXXXautomated system, the caller must answer security  questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX kids and own a XXXX. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to state golf and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on www.alertsftc.gov/XXXX, freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter. 

This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with XXXX XXXX XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.
I called a number to get approved for XXXX XXXX. I spoke with The Student Loan Help Center. I was n't sure about the program or what it was about. I inquired with some questions but I did n't realize i was speaking with a 3rd party representative that charged me {$600.00} to get started with XXXX XXXX. To my understanding I could 've just inquired with XXXX XXXX and it would 've been free. The lady on the phone rushed me and was eager to take down my credit card information. I talked to so many different people and no one mentioned that they were not XXXX XXXX. I kept getting transferred and I think it was because I asked too many questions. I thought I was speaking with XXXX the entire time but I was mistaken I did n't realize they were a 3rd Party Representative. The only time they reached out to me was when my payment did n't go through because my credit card information had changed. I was taken back. The only time these people reached out to me was for money. Not to inquire or inform me about the status and etc of my account. I 'm disturbed about all this. If i lose the money because i failed to do the research afterwards then yes that 's my fault but to my understanding I thought I was speaking to to XXXX XXXX. How do you CHARGE people for a service that 's free?!. And to top it all off, I was told I would n't be paying a dime for 20 years and that it would save me from paying interest and so on. I found out that in reality if I 'm paying {$0.00} a month, I would still be paying the interest rate monthly. They never mentioned any of this. XXXX XXXX told me to contact CFPB for assistance and I hope you guys can assist. Thank you!
I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a go od credit score. I agre ed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would take  2-3  weeks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would take  XXXX  MONTHS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue an d my credit score wo uld not be impacted.
J. P. Morgan Chase Bank failed to file a Creditor 's Claim with my late husbands Estate and collected {$1.00} XXXX on an {$870000.00} deceased 's debt. The Estate was probated in XXXX XXXX Superior Court as Probate Case Number XXXX in or about XXXX. Then, on or about XX/XX/XXXX, J. P. Morgan Chase Bank evicted yours truly, the deceased borrowers widow, from the home where Id lived 27 years, making me homeless. On XX/XX/XXXX, Chase collected {>= $1,000,000} ( XXXX XXXX XXXX XXXX dollars ) when they sold my home for more than double the original loan amount to pay off my late husband 's XXXX refinanced predatory loan amount of {$870000.00} ( XXXX XXXX XXXX XXXX dollars ). Chase Bank knew or should have known that they were required to file a Creditor 's Claim with the Estate. They knew the Borrower was deceased. Shortly after my husband 's death, J. P. Morgan Chase filed a Lawsuit against the Estate, and dismissed the lawsuit voluntarily, soon after its filing. Therefore, Chase was fully aware that a legal debt was no longer owed to them with the demise of my late husband, the sole Borrower, particularly when no Creditors Claim had been submitted and approved.
I DON'T OWE ANYONE MONEY AND IF YOU LOOK INTO MY CREDIT PROFILE ON THEIR CREDIT BUREAU THE COLLECTION IS NOT ON THERE. THE WRONG INFORMATION IS AFFECTING MY CREDIT BADLY. I NEED IT GONE ASAP. 
THANK YOU
On XXXX/XXXX/2017, I filed complaint ( XXXX ) against Pentagon Federal Credit Union ( PFCU ), PFCU after receiving the CFPB 's complaint submission on XXXX/XXXX/2017 PFCU assigned XXXX XXXX TO MY DISPUTE but she closed it on XXXX/XXXX/2017 with no explaintion what so ever I had submitted documents via email that was linked to the dispute that I opened on XXXX/XXXX/2017 and since PFCU were backed logged due to the merger, did not review my dispute until CFPB 's complaint submission and now it was closed without any investigation according to XXXX nobody from PFCU contacted them either, why PFCU assigned XXXX XXXX? is it to satisfy the CFPB only and to closed because they are still backed logged I believe the dispute process may takes 30 to 60 days from opening and closing and other side has 30 days to respond to it that PFCU did n't do nor followed our agreement at time of obtains the credit card please reopen my complaint and check why it was closed prematurely I reported the fraud to PFCU and they replaced my credit card but $ XXXX+ {$320.00} of my money still that was not returned. Thanks.
Jefferson capital has a n item on my credit report that I just discovered today for  XXXX   XXXX . I have never had  XXXX , and I never received written notification that this item would be added on my credit report. I have asked for verification from this company, whose response was " they did n't have to provide anything. '' I have never had or signed any contract with either  Jefferson n or  XXXX , and this action is completely illegal and violates my FCRA rights completely. This action is causing disruption to my financial profile for creditors I am interested in doing business with by giving a false dichotomy of my credit worthiness.
I have disputed XXXX address on my credit report. Experian said the addresses were removed and that my credit report only showed my current address. However, the following week I called Experian on XXXX/XXXX/15 only to XXXX that they did not remove the addresses that they claimed were removed.
I put in a dispute with Equifax and XXXX XXXX back in XXXX 2016. I notice that XXXX did an inquiry on my credit file but I did n't request or authorized them to pull my credit. XXXX sent me a letter stating the inquiry will be removed because it was an unauthorized inquiry. I called Equifax consumer XXXX on XXXX XXXX because I did n't receive and notice from them stating the investigated the unauthorized inquiry. The person I talked to that they stated the do n't investigate inquiry 's. I told him that XXXX XXXX has already investigated the matter and requested that the inquiry be remove. The person on the phone stated the inquiry will not be remove. Equifax is always refusing to investigate or remove items that has been proven is inaccurate information. I always have to put in a complaint to get items taken care of. I have attached the XXXX letter saying they requested the item to be removed.
I have XXXX paid medical bills showing on my credit report. My understanding is as of XX/XX/2015 paid medical bills should be removed. I have called the creditor, they have no clue about the new rules.. I have called the Credit Bureau/I have disputed with the credit bureau and told I was told they have NO IDEA about the new guidelines : XXXXSome changes are retroactive. For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. That likely will immediately improve a consumer 's credit scores, although by how much can vary widely, XXXX said. 


XXXX
I am having a serious problem with XXXX XXXX every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. XXXX is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with XXXX debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by XXXX XXXX to purposefully XXXX character through negative reporting to the credit bureaus.
I was promised a low interest rate upon my auto purchase, but I received one that is on a scale ... .the interest rate starts out so high like {$120.00} @ month then slides as the car loan gets closer to the end. I did not want this and asked BMW for their promo rate of 0 % like many car dealerships are offering. BMW Financial has refused. Their advice was to refi after 6 mos and when I tried to do that, they gave me a higher int rate than I am currently offered. All I want is for them to reduce the interest rate as promised.
I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
on XX/XX/XXXX I sent a wire for {$25.00} over to Coinbase INC/XXXX XXXX in XXXX. On XX/XX/XXXX they sent me an email saying that they could NOT accept the wire and they would send it back to my bank in 10 business days. Has been almost 2 months now and no money. I have contacted coinbase and asked them about it and all they say is we are very backed up and a specialist is taking care of your case and you will get your money soon but so far nothing. I would like them to return my money so I can feed my family. 2 months is unaccepted time to hold someone's money for no reason. 
Thank you for your time, XXXX XXXX
Checkr a background check reported out dated infomation about me. They reported a   XXXX   XXXX   from 22 years ago and i was denied employment because of the report
Was unsatisfied with the way Discover was handling my account, so I closed it. They are now charging me 30 % interest, even though I 've never been late and I have very good credit.
approximately 2 years ago I was approached by someone from our bank where we had personal and company accounts for the last 8 years, namely wells fargo, to open a credit card account. at the time I thought that they were very helpful because 8 years ago I had filed for bankruptcy, and it was very difficult to restart my credit worthiness. 
they opened my account with XXXX credit line, 6 months ago they increased it to XXXX. 
in the apprx 2 years that I had the card I never went over my limit. I never was late in payments and always paid in full. the card has a 1 % reward and I was able to amass a total of XXXX which we left in the account ( what a fool I was ). 
on XXXX XXXX 2017 we received a letter from wells fargo stating that the account was closed immediately as of XXXX XXXX. I called customer service and after having been passed to XXXX different depts. I was told that XXXX account was closed and they did not have to explain why and that the XXXX that I had as rewards were also not available. 
I believe that 1. they should have given me the possibility of claiming the rewars 2. been able to tell me why they closed the account since my credit is at XXXX with no negatives other then the bankruptcy of 8 years ago..
I ATTEMPTE D THREE TIMES TO REFINANCE MY MORTGAGE THROUGH J.P. MORGAN CHASE. I   RESEARCHED THE HAMP ( I BELIEVE THAT 'S WHAT THE ABBREVIATION IS ... .THIS WAS IN  XXXX  ). THEY DENIED ME THREE TIMES. THE FIRST TWO ATTEMPTS I WAS TOLD, " YOU DID NOT TURN YOUR PAPERWORK IN T O US I N TIME. '' THE THIRD TIME I SENT ALL  XXXX  PAGES OF DOCUMENTATION IN TO THEM TWO TIMES. THEY CONTINUED TO SAY I DID NOT TURN MY PAPERWORK IN ON TIME. THEREFORE, I HAD TO QUICKLY SELL MY HOUSE. NOW I AM CURRENTLY HOMELESS.  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , TN  XXXX  OLD ADDRESS WAS :  XXXX   XXXX   XXXX   XXXX , TN  XXXX
Wells Fargo repossessed my car in XXXX while I was on XXXX XXXX. I understand this was illega but it says the frametime is between XXXX. They did not have a court order to do this.
Equifax Inc improperly stored information possibly relevant to my credit history. As a result of a vulnerability in their systems, my information may have been improperly accessed and/or stolen. Furthermore, this breach was known since XXXX XXXX, but was not made public until XXXX. 

Any attempts to discern if my information was indeed obtained/accessed/ were not made clear, as the site they offered ( www.equifaxsecurity2017.com ) provided vague answers as to if I was affected. This site then requested that I check back at a later date to pay for a service to help address this problem. 

On XXXX XXXX, Equifax, as stated via XXXX ( XXXX XXXX XXXX ),  began offering free credit freezes, but only for the next 30 days. 
However, I 'll more than likely need to pay out-of-pocket with XXXX and XXXX to freeze my credit report in the event my information is used to open accounts with creditors that do not query my credit with Equifax.
Genesis loan servicing no longer has any correct contact information i can not call them in contact of my loan
The bank that holds the mortgage for my house is charging me litigation fees of {$1100.00}. I have never missed a payment and I have never been late with a payment. I called Bank of America several times and requested to find out when the fees where incurred and which litigation they pertain to. They have not provided me with any information whatsoever about these fraudulent fees.
I demanded that the following accounts be removed from my credit report : XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
I have a reoccurring transfer from Capital one checking to XXXX. All of sudden Captial one will not let me access the account for the transfer to go through. Says Capital one is blocking it
I attended XXXX and graduated. I was told that I would receive my certificate two weeks after my graduation. I waited and received nothing. I called the school and was told that I needed to finish paying my student loan prior to receiving a certificate. My husband has numerous degrees and said that he never had to wait to pay his loans prior to receiving a degree or certificate. Then XXXX closed its doors and went out of business. I still get billed by the company that I received the loan from, however, I have no certificate or promise to receive one from XXXX.
XXXX XXXX pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.
This was settled months ago. 
Texas Department of insurance filed against XXXX XXXX and XXXX who settled with the hospital. 
This is fraud and an attempt to collect money that is not owed. 
IT WAS SETTLED BY THE INSURANCE COMPANY
I am a XXXX XXXX who spent this past semester studying abroad in XXXX. Before leaving to study abroad, a Bank of America representative suggested that we add my mom 's name to my savings account, so that she would be able to make deposits and any other actions on my behalf while I was out of the country. My entire life 's savings and a portion of my Federal Student Loan ended up being swept from my account and Bank of America put me in jeopardy of not being able to stay abroad and complete my semester. <P/>On XXXX XXXX, 2017, {$6000.00} was swept from my savings account with a description of " DEBIT FOR CHARGED OFF ACCOUNT XXXX XXXX. '' I called Bank of America and learned that the charge was made in order to pay my mom 's 2nd mortgage. I have tried calling multiple times from XXXX XXXX and each time, the representative on the phone either placed me on hold indefinitely, said they could not help, or said that my mom would have to call the mortgage loan line and get it resolved on her end. My mom never even ended up using our savings account, and never knew the routing number. The {$6000.00} purely belonged to me and her name was only added because of the recommendation from the BofA agent. We had no idea that there was any risk of the money being taken, and my mom was n't even aware that her name was on the 2nd mortgage which was taken out 10 years ago by my father. <P/>In general, the representatives I called were very sympathetic to my situation and would have like to help, but they could do nothing due to the policies put into place by Bank of America 's executives that allow them to take the life 's savings of a XXXX XXXXt without any regard to the circumstances. Due to Bank of America 's actions, I was in serious jeopardy of not being able to stay in XXXX and finish the semester. I had to borrow money from friends to be able to meet basic needs such as food and school supplies. I implore Bank of America to consider the morality and ethics of their practice and to make right of the dire situation that put my XXXX XXXX at risk.
I am a victim of identity theft and now I have over XXXX inquiries on my credit report.Equifax violated my security freeze and released my credit information to companies that requested it. There should have been controls in place to prevent Equifax from aiding the identity thief into having my credit ran over XXXX times. I have disputed this with Equifax several times and they have taken the stance that its too much work for them and they are taking no action. They have not bothered to investigate the nature of my dispute. This is having detrimental damage to my credit score. They refer me back to the creditor and the creditor refers me back to Equifax. Equifax released the information and they need to fix this.
I had a collection of parking tickets in college, and since my college was being paid with a fund not in my name, the debt was settled in divorce court when my parents divorced in 2013. Since 2013, XXXX XXXX XXXX University has continued to contact me about the debt that has been paid.