WillisBack/dataset-financial-user-claim huggingface dataset:
I have problems with Equifax who does not allows to get my credit report with Free Annualcreditreport.com, which one time per year. And I tried to contact them by emails, mails, and phones, but I do not get any respond. When I applied for loans the Creditors pull my credit it still show this problems:1./ Bankruptcy chapter XXXX ( this is more than 10 years already ) 2. Collection fraud, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED CHARGED, account # XXXX {$340.00}. All of these issues need to remove as soon as possible if you can help. These issues against with my Bank 's Loan Proposal. Since you get this message please let me know. My email : XXXXXXXXXXXX and Cell # XXXX
I have submitted disputes through the normal process XXXX times and theinformation has not been updated in my credit report. I have includedproof of the payment information in this claim, which was also sent to the credcredit bureaus. Please have them remove or update the information asrequired by law.
XX/XX/XXXX I initiated a dispute on my CitiBank XXXX credit card for charges done in XXXX XXXX. In XXXX XXXX, I paid to replace the catalytic converter on my vehicle. In XXXX XXXX the part failed and the merchant ( auto-mechanic ) replaced it. The part again failed in XXXX XXXX. After repeated attempts and failing to resolve the matter with the merchant, I submitted a dispute in XXXX XXXX. With my dispute I submitted supporting documents from XXXX that the catalytic converter had never been replaced or was replaced with a used part. I contacted the CitiBank dispute department starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these conversations I was informed that CitiBank would do a COMPLETE investigation of the dispute. On XXXX XXXX, XXXX, I received a letter indicating that do to the lapse in time from the original charge date to the date I initiated my complaint, there was nothing they could do. I called CitiBank dispute department on XXXX XXXX, XXXX and spoke with XXXX, who informed me that XXXX sets its time frames for disputing charges and there was nothing CitiBank could do. I spoke with XXXX the supervisor, who informed me that there was nothing they could do and had to abide by XXXX investigation policies. 

CitiBank did not disclose at anytime that my dispute was out of time frame in addition to making no attempt to contact the merchant that my dispute was against. In XXXX XXXX, CitiBank asked for additional documents for this " investigation '' which I submitted in a timely manner ; however, there was no actual investigation done since according to XXXX policy I was out of the time frame. In XXXX XXXX and XXXX XXXX, I called the CitiBank dispute department and I was informed that the investigator was waiting for a response from the merchant ; yet there was never correspondence sent to the merchant regarding this dispute. 

CitiBank intentionally withheld critical information regarding my dispute time frames. CitiBank also misled me when I was informed on multiple occasions that the dispute was under investigation when in actuality nothing was being done on their part except to collect documentation from me. 

The letter received XXXX XXXX, XXXX should have been sent to me in XXXX XXXX when I still had the ability to locate the merchant and not 90-days after the fact. CitiBank was aware of XXXX investagtive policies yet they allowed the account to accumulate interest charges and waste my time. 

This is bad business. I applied for a credit card with CitiBank and they failed to protect me. They allowed a fraudulent merchant to take advantage of me. CitiBank led me to believe they had my best interest at heart and all the while they did nothing during this supposed investigation. CitiBank was the issuer of this credit card and should be responsible for protecting the consumer. CitiBank failed and did a poor job of protecting me.
I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from XXXX XXXX XXXX at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. 

I also requested that an address be removed from my credit report on Equifax the same week the first week of XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not Ans has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. 

This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home
XX/XX/2018. 

I was contacted by XXXX. XXXX XXXX XXXX initially verified my birthday. But I told him I can't verify his contact and calling. He told me the amount to be paid for credit card is {$330.00} for past due by today and {$1300.00} for entirely clear the payment to activate the account. Otherwise, the card will be closed and won't be available anymore. The card can't be used for a while already. It has already been stopped. He said I can't login to the website but I can provide him with my debit card number by phone to pay him. I am suspicious about giving him my debit card number that he should have known that already. At first, XXXX told me the online banking account will be closed without any entrance to the bank account. Later, he said I can either pay by phone with debit card or still login to use the debit account. I don't know how the payment can be made in the future if the debit account or online banking login is blocked or closed. It's not very consistent. His phone number is unknown from the calling list. This is my first experience on this and don't know how to verify his identity by looking at the phone number. I did have two late payment and the card is not available for a while.
National recovery agency appeared on my credit reports for a debt that I do n't owe. It was on my credit reports as a bill I supposedly owed to a utility company. I have been fighting this for years as not being mine but still they persist on keeping the information as it is. I have disputed this debt several times as it shows on my reports as disputed. I would like your agency to investigate this matter because this supposed collection is hurting my credit health
I have tried on several occasions to get Experian to XXXX XXXX XXXX XXXX on my credit report, they refused even thou I have a letter from XXXX stating they will no longer update my credit report. It is my right according the XXXX XXXX XXXX the Bureaus should investigate inaccurate information. If XXXX is not updating my credit report how is Experian getting its information. XXXX has illegally reposed my vehicle and every credit reporting company has investigate and deleted this item from my credit, but Experian refuses to even investigate and when they did investigate the came back with some e-Oscar verification. I request a reinvestigation AND your Method of Verification.
I would like to have them removed because they causing me financial and emotional distress because of their derogative nature.
I was one of the 145 million Americans impacted by the XXXX  data breach. I did all the " right '' things by locking my credit with XXXX, XXXX and XXXX. Subsequently, my husband and I applied for an auto loan on XXXX XXXX. I unlocked our reports for 48 hours to allow for this transaction to proceed. It was approved and I relocked our credit reports. 

Yesterday, I received written notification that XXXX had obtained our credit reports from XXXX, and that report indicated my credit score was too low to qualify. This is utterly ridiculous as my credit scores with the major credit bureaus are impeccable. I had never even heard of XXXX and am extremely concerned that my stolen data may be used through credit bureaus I do n't even know about!!! I find this highly unethical and worrisome that unknown companies are being given access to my credit history, particularly in light of the incompetence of the known companies. 

When I went to the XXXX website, I found that they expect me to mail copies of vital documents to them in order to even see the report they have compiled on me. I am not at all comfortable providing these documents to a company I 've never heard of before. I faithfully get my annual credit reports through XXXX, which is authorized by federal law, but have never been informed that there are additional companies I should be monitoring.
I have my credit card payment on a weekly pay cycle of $ XXXX/week. During the course of a month ( 4 weeks or 28 days ) I make a cumulative monthly payment of {$220.00}. My minimum monthly payment due on my credit card was {$180.00}, due on XXXX XXXX, 2015. 
I was charged a {$38.00} late fee on my XXXX billing due to the timing of the billing cycle and the corresponding payments. 
My due date each month is on the XXXX, but my cycle does not end until the XXXX. During the month of XXXX I had a payment applied on the XXXX, which is between the XXXX and XXXX. 
The application of the XXXX XXXX payment was applied backwards, to my XXXX payment requirement. The resulting billing period for XXXX XXXX through my due date XXXX XXXX only had 3 weeks ( 23 days ) to make my payment. My payments were made each week on XXXX, XXXX, XXXX. 
The XXXX XXXX payment should have been my XXXX payment, which would have been 4 weeks ( 30 days ). 
I did contact the company and talked to a supervisor. The supervisor did state and confirmed that I was being charged a late fee for paying my bill early and on a regular basis, but there was nothing she could do about the late fee.
I have mailed 2 certified letters to all XXXX collection agencies ( XXXX ) on XX/XX/2017 and XX/XX/2017 regarding this creditor AR RESOURCES for a medical bill. I have asked for Validation of this debt with my signature stating that they can report this since this is a HIPAA violation of my private medical account and medical history information. I did not authorize nor consent to this. I have yet to receive any proof with my signature of me consenting to the release of my private health information. They refuse to provide proof as to why I am filing this complaint and I am trying to purchase a home and this is showing I have financial trouble in which I do not.
XX/XX/XXXX order new computer on XXXX XX/XX/XXXX XXXX contacted me by email stating my card was being declined. I contacted them by phone & they said my credit card company ( Netspend ) was not letting the transaction go through. I didnt understand since the money {$1400.00} was in my account & now was deducted & shows a pending transaction on my Netspend account. I asked XXXX to cancel my order which they did. I waited a wk & have not received my money yet. I called Netspend & they told me to email them proof. I sent the orgianl receipt & cancel receipt. Waited another couple days & they told me I had to email a explanation of what happenend. I did sent them an email explanation & waited another couple days & still have not received my refund. XX/XX/XXXX I called back & talked to a mangager & he said my refund was declined because the receipt is for {$1400.00} which is the total amount XXXX charged me for & Netspend shows {$1400.00} on their side. I tried to explain to them that they are the ones who charged me for the extra {$1.00}. Every time I use my card they charge me a {$1.00} & they should see all my transaction how it shows that. They still refused. I called the main office in XXXX, TX & left voice mail messages & no one has gotten a hold of me.
I sold and item on eBay a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy eBay to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with eBay trying to resolve this and explaining my side and had proof. Then they passed the situation on to Paypal, now Paypal is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and eBay would n't stand by me. They told me it was the cost of doing business. Now Paypal is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or Paypal bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on eBay was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the eBay score I had and never had issues like this and they still did n't give me the benefit of the doubt.
I have XXXX complaints regarding ( SPS ) Select Portfolio Servicing, Inc. * I will explain my XXXX complaint : I have been approved to enter into a trial period plan under the Home Affordable Modification Program since XXXX XXXX, 2015. My XXXX trial payment was sent and received in a timely manner which was due on XXXX XXXX, 2015. But SPS did not handle my XXXX trial payment correctly. They are making it look as if I am late or did not pay at all. It seems as though someone is deliberately working against me. I made sure to get the payment in on time and was advised by my relationship manager, XXXX XXXX to get it to them a week earlier by XXXX XXXX, 2015. I wired it on XXXX XXXX, and it was received on XXXX XXXX. Whenever I called the company about anything thereafter, both the automated system and the persons I spoke with always confirmed that my XXXX XXXX, 2015 payment had been received and that my next payment would be due on XXXX XXXX, 2015. So I felt satisfied that my payment had been received on time. This is how I found out that my XXXX XXXX, 2015 payment was handled incorrectly : yesterday on XXXX XXXX, I decided to call SPS because I had not heard from them regarding my payment confirmation in writing and for giving them the consent to deduct from my checking account for XXXX XXXX and XXXX XXXX 2015. Well, the person i spoke with, XXXX XXXX, could n't find my payment records, I was placed on hold for a long time, then she asked me " how much did I pay? '' I was flabbergasted! Did n't know what to think!. I asked to speak with my relationship manager but she did not transfer me. XXXX XXXX proceeded to inform me that the payment was handled incorrectly and that she would send a note to the Loan Dept. to see if they could change it and asked me to call back in XXXX to XXXX business days. *This is my XXXX complaint : SPS is refusing to assist me in getting my XXXX repaired. I sent the insurance check to them to be endorsed and they wo n't release the funds. I have had no acknowledgement in writing nor by phone that the check was received or their plans for keeping it, neither any explaination of whether they are going to help with the repairs or not. My XXXX is in desperate need of repairing. I had a storm damage 2 years ago and I filed a claim with my Home Owners Insurance Company. They sent me a check to get it fixed. I had to endorse it first and then send it to my mortgage company ( SPS ) to get their endorsement before it could be cashed. I was expecting them to return it to me to be cashed or do whatever needed to be done to start the procedure in repairing my XXXX. But I never heard back from them. So I got concerned and contacted them. SPS told me that they could not release the funds because of the status of my loan. I really need help in repairing my XXXX. There is a bad leak in the XXXX and XXXX. The XXXX is growing and is not good for my XXXX. The damage is getting worse and worser. Every time it rains I have to put a swimming pool under the leak to catch the water. And now the damage is extending into the living room.
I have never had a credit card before and whenever I apply for a student card I am always denied. The company did not send me a letter or email regarding the reasons why I was denied a credit card. I have a fairly large amount of money in my savings account but the companies do not even ask for the amount that you currently have. They ask for the gross income amount. Most college students do not have a permanent job and are mostly seasonal employees. I do not see what the issue is with my current financial information given to them. I even contacted a credit report company to see if something is wrong with my credit score even though I 've never had a credit card.
I opened a Citi Gold Checking account on XXXX XXXX 2016, with Citi 's promotional code XXXX. This promotional code promised receipt of XXXX XXXX XXXX mileage of XXXX points as a bonus after fulfilling stated requirements. I visited the Citibank 's XXXX XXXX branch in XXXX DC. The Citi agent, XXXX XXXX XXXX XXXX assured me that I indeed qualified for this offer and that she made a special note attached to my new account with the promotion code. As part of this offer, I had to use the Citi debit card to make purchases of more than {$1000.00}, and I had to perform at least XXXX bill pays, all within the first two months of account opening. I fulfilled the requirements but there had been no bonus disbursed until XXXX XXXX 2016. Therefore I visited the Citibank 's XXXX XXXX branch again on that day. The agent found the note attached to my account by XXXX XXXX, understood the issue, and filed a dispute for me. The letter said response would be sent between XXXX XXXX and XXXX, but I have n't heard back from Citi so far. I also emailed XXXX XXXX to ask for updates on the dispute on XXXX and XXXX of XXXX, but have n't received response from her as well. I believe Citibank must honor the promise, and be more responsible.
I am having problems with The XXXX XXXX XXXX XXXX  for a medical dept. They are trying to charge more than I owe. I have disputed this bill with XXXX and that did not help. I finally sent a dispute letter to the collection agency, which they received on XXXX/XXXX/2017 and I uploaded the dispute letter. I also uploaded the only bill they sent me that pertains to the amount they put in XXXX. The amount they have is wrong because they added a different bill to it from a different date. The bill they sent me is on their own letter head, so they could have put any amount in there. 
The smaller bills like the one they added to this one, I may be able to pay if I owe it. In addition, my insurance company got on a three-way call with the collection agency and me, the collection agent told us that the extra charge was probably a charge off fee. 
They never sent me a copy of the original billing statement, they never explained how the extra charge is expressly authorized by the agreement creating the debt, and no details about their authority to collect this debt. Please help, I am trying to straighten out my credit and they do not want to cooperate. 
They wo n't even negotiate with me. I told them that I can afford {$50.00} a month and they will not even accept it.
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX XXXX on XX/XX/2017 which l have no idea about it at all.
I have a significant amount of student loans from law school which are now serviced through XXXX XXXX at myfedloan.org. I am on the IDR plan as I can not afford the minimum payments and I am required to recertify each year to stay on the IDR plan. I did so this year, filing the recertification on XXXX XXXX. On XXXX XXXX, I received a notice from XXXX  saying I had not yet recertified and that while my loans would remain on an IBR plan, my new monthly payment would be more than double what I had been paying. I reached out to them and was told they could put me on a forbearance until the certification issue had been cleared up and that is what I did. Later on XXXX XXXX I was told that my IDR plan recertification was approved. I emailed again on XXXX XXXX asking for clarification as to what happened and notifying XXXX that throughout the summer, my minimum payments had been {$0.00} ( despite my IDR plan being recertified in XXXX ). I was told on XXXX XXXX that they did not receive my recertifcation on time, despite submitting it days before their notice that I ( erroneously ) had n't yet recertified and thus my partial financial hardship payment on the IBR Repayment plan expired and the unpaid interest was added to the principal balance ( through capitalization ) and that this was unable to be reversed! I was never told this was a possibility and I have never had this problem before in years of paying off loans. Now my monthly payments are approximately the amount they had been before, but my current principal balances have increased by a total of about {$15000.00}! Is there anything that can be done? I 'm already going to be paying these loans for the rest of my life!
5 years ago I fell 2 months behind on my mortgage. I reached out to my lender, Bayview Loan Servicing LLC, for assistance and they told me I was ok and that when I fell to 3 months behind they had programs and options available to help me with my financial situation. The day I hit the 3 month behind mark, I called the lender to make a payment and schedule the remaining XXXX late payments for XXXX weeks later via automatic withdraw to bring the account current, only to find out that I was being processed for foreclosure. Unfortunately my situation required a chapter XXXX bankruptcy ( the debt was mine and I should be responsible for paying it back, not wiped clean and given a free ride ). Since filing for bankruptcy, I have made every monthly payment to my current mortgage lender, Bayview Loan Servicing LLC, ( sometimes a little more ) for the last 5 years as per my chapter XXXX bankruptcy requirements. I have the receipts and or conformation numbers to verify each payment. Twice during the bankruptcy Bayview incurred debt on my behalf without my permission ( they paid my property taxes when I have never had an escrow ). They attempted to have my bankruptcy discharged stating I was 6 months behind, again we had the receipts to prove their accusation wrong. As of the end of XXXX 2015 I have been released from my bankruptcy as paid in full. I just attempted to refinance under a VA loan and much to my surprise Bayview is reporting me as delinquent, again we have made each monthly payment with receipt to verify, as recently as XXXX 2015 even thought they say I have a XXXX $ credit. Bayview Loan Servicing LLC even sent a letter to the bankruptcy trustees stating we were current on our loan. As a result of their improper reporting habits I can not refinance under any loan to get out from their 9 % interest rate. Can someone please help resolve our issue? I have been fighting with this company for years now. Research has shown Bayview Loan Servicing LLC to have terrible consumer relations and would appear they are in the business of forcing people out of their homes.