WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion, XXXX and XXXX refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both Transunion and XXXX. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the Transunion and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to Transunion. They said they would send me a letter and that I should hear from Transunion in 30 to 60 days. Transunion refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your XXXX Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.
I used the Equifax online system to request a temporary lift to me Security Freeze on XXXX XXXX, 2016. The fee for this service is {$10.00} for which I supplied a credit card. The Equifax website returned an " Error '' page at the point of payment. When I received my credit card statement, I found that I had been charged {$10.00} twice for the same transaction. Trying to reach Equifax by phone is almost impossible. They do n't want to talk to you. They do n't make it easy to find a number other than their " Automated '' system numbers. After searching for a " live person '' number I called XXXX XXXX XXXX. I wasted a lot of time on hold then wasted more time speaking with an agent at a call center in the XXXX and her supervisor. They are the " flak-catchers '' and are there to waste your time and wear you down. They have no authority or capability to help you. They were difficult to understand and were of no help. I finally got them to transfer me to Equifax in XXXX and then of course, I was hung-up on. Before the transfer, the number I was given to reach a " live person '' in XXXX at Equifax is XXXX XXXX XXXX. When you call this number you find it is an " XXXX '' system, not a live person so you have reached a dead-end they way they want you to. So Equifax has taken my {$10.00}, wasted a ton of my time and given me no refund. The customer service experience that is the equivalent of waterboarding.
My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). It has been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXXXXXXXXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. 

I filed a complaint with CFPB on XX/XX/XXXX, and Bayview provided a false response to that complaint on XX/XX/XXXX. 

In its response letter dated XX/XX/XXXX, page 2 of 4, Bayview claims that it was not in the receipt of an updated insurance policy until the policy was received via email on XX/XX/XXXX, and was processed on XX/XX/XXXX. This is a pure lie, as I have an email evidence that the updated insurance policy was emailed to Bayview Insurance department ( i.e., XXXXXXXXXXXX ) on XX/XX/XXXX, and again was forwarded to them on XX/XX/XXXX. 

I believe Bayview has been caught in a lie to a federal agency now. They received the proof of insurance that they were seeking on XX/XX/XXXX, but they refused to process it until XX/XX/XXXX. That is more that a month, during which time, Bayview was harassing me with threatening and distressful letters about purchasing lender imposed insurance policy. 

I want CFPB to ask Bayview about their recent lie in their response. I have attached a copy of the email that was sent by my insurance agent to Bayview on XX/XX/XXXX. In that email, the certificate of insurance was sent to Bayview, but now Bayview claims it did not receive the certificate of insurance until XX/XX/XXXX, which is a big lie.
Amcol collections reporting a medical account for {$640.00} they no longer own. Please remove from report
My name is  XXXX   XXXX  from the great state if new jersey and I have been the victim of fraudulent credit reporting. inaccurate medical debt information has been shown as a credit liability in terms of suits and typical double-dipping of insurance which is an admonishable obimination of that greed. So much so it is illegal as clearly described in the free credit reporting act. Nothing is being done and this has SERIOUSLY compromised my ability to do business as a   XXXX   Please see that someone actually does something about this and not in the ridiculously short time the major agencies allow. I do not need   XXXX  . I need the parties responsible for this to remove the petty and destructive occlusions NOW and I furthermore feel I deserve compensatory damages.
In XX/XX/XXXX and XX/XX/2019, I sent certified letters to XXXX, XXXX, and Experian disputing inaccurate credit accounts and inquires on my credit files. I have sent supporting documents several times also. Due to this inaccurate information being reported by the credit bureaus, I'm paying higher interest rates as a consumer and being denied credit opportunities.
After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, Equifax, XXXX, & XXXX  have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.XXXX  finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....
This is a complaint against the Fraud Department of XXXX in XXXX, I am a victim of identity theft for more than two of us, and they have vcarion reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, makes fraudulent reports the Experian fraud department. They are affirmed that this report is false.The accounts I am disputing are two ( 2 ) and one of them Experian is reporting double is XXXX XXXX # XXXX for an amount of {$16000.00}, and the other is from XXXX   XXXX  for an amount of # XXXX. These accounts do not belong they were not opened by me and this is why I go to the XXXX XXXX XXXX  so that you are witnesses that the department of fraud of Experian in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to Experian. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who is right.
I have Navient, which is being sued by you all I heard. If you want my voice heard, you will hear it cause I cant seem to pay off this college loan that I have. I completed my XXXX with the University XXXX XXXX online program! I currently owe about {$16000.00} more dollars, but now it keeps going up and never down. I called Navient cause I have never missed a payment. However, cause I was paying {$260.00} a month, the interest which is about 8 % does not cover what I actually owe. In other words, Navient said in order for my loan to go down, i would need to pay {$500.00} a month. I cant afford that and I am drowning trying to pay off my other bills that I have all the while, the interest keeps building. The other problem is that i had my loans consolidated and they said because of that, its a fixed interest rate which I will have till I pay off this loan. There is absolutely nothing they can do to help this loan go away. They said there are no options for me. I can pay less, but if I pay less, the more I owe in interest! There is no way to change that. I have been with about XXXX other loan companies before Navient cause something happened to each company and were bought out by another company and have paid on this loan since 2012 I believe. From the beginning my loans were consolidated, but was never told especially now with Navient what my options were. As soon as Navient took over, i was not told what my options were, or if I could change anything to make it easier to pay off my loans. I feel cheated by Navient and the last few companies I dealt with. Also the University XXXX XXXX is a fraud! They use sales tactics to get you hooked in to enrolling you into college and use pressure with the loan comapnies. I regret ever going to college! They hooked me up with XXXX XXXX and that was the biggest mistake I ever made. I was given bad information by the university XXXX which led to XXXX XXXX which provided me with bad information and I feel cheated and deceived, and now that Navient took over, I feel no different! Now I am paying {$170.00} a month, and I am back up paying what was once lowered. I need help! I feel stuck and frustrated cause I am not able to pay off this loan that could have been paid off had it not been for the stupid interest rate! I feel for everyone else who is struggling! I thank you CFPB for this lawsuit on behalf of all of us who are struggling. Keep me informed about this lawsuit, how I can be part of it, and if this is a win, how I may get some financial relief from it! I tell people now, go to XXXX college and learn a trade or skill such as XXXX., dont go to learn and get a degree with no skill or trade! Its a waste of money and you will end up regretting it as I have with nothing to show for it!
Someone continues to call me from a company called Oracle Group. She originally continued to call me XXXX. XXXX is my middle name but she continued to reference it as my last name which led me to believe this could be a mistake. This person calls both my work and cell phone numbers and is very rude and aggressive. She gives the name of XXXX and can be reached at XXXX. She has called me from XXXX and XXXX. When I ask for her to send me something written so that I can verify what she is describing before speaking with her she refuses to do so, tells me the call is going to go how she wants it to and that she 'll only send me something once we 've reached an agreement and then eventually she hangs up as I continue to repeat I 'll only speak with her if I can see something in writing first. She is very mean spirited and refuses to provide me with any kind of written information. She initially said she would email me but then changed even that and said only under her terms would it go and that I was trying to control the call and that 's not how things worked. She then threatened to call my supervisor 's at my job and to send them a POE ( but would not tell me what that meant ). I will not be bullied into provided my personal and financial info over the phone to someone who will not send me anything in writing. It is extremely unprofessional and condescending.
I spoke to Experian on XXXX2017 about my concerns. They assured me that the situation would be resolved. It has not. They have done this to me before, I would like my report to be correct.
A while back, this company threatened myself, and my father verbally, stating that they were going to come after us and take away my fathers house. The man on the phone who refused to identify himself at the time also stated that he would make sure that I would be held responsible for not making the minimum payments which were too much for me to make at the time. I offered to send a lower amount in and he said that they would not take it. He went on again to say that he would make sure that they got their money if it meant taking my fathers house.
This account is still listed on my credit report after 7 years. I am requesting deletion of this account off my credit report.
I am unable to access my rushcard.com account via web, app, atm. I have direct deposit and not able to view any balances. They have given bogus postings on their facebook page as this is the only way to get to anyone. Customer service hangs up on you. I am now not able to move and have lost my deposit due to inability to provide the remaining rent due. I want my funds and compensation.
On XX/XX/2018 started receiving calls from Profit Services Group. stating I owed a debt on a recorded line. I informed them, I do not want to be record. That request was ignored and the call continued without consent and I said nothing. The person on the phone threatened me with credit harm. 
On the very next day received the same phone call. I informed them I do not discuss my personal business via phone, please submit in writing to my address you have on file. No more communication via by phone. And the company refused to adhered. 

The next day received another call with threat of ruining my credit. Again I stated I do not want to be record. They still recorded the conversation. They faxed over some information and it stated I had 90 days to dispute the debit. 

I immediately disputed the date. Now the debit is on my credit and my score has dropped XXXX points because of them. I have denied credit because of their neglect.
Opened a loan with Mariner Finance and I have NEVER been 30 days at more past due on my payments. On the XX/XX/XXXX I spoke with the branch manager XXXX and informed her that I would be making XXXX payment on the XXXX ( my payments are due on the XXXX ) and XXXX payment on the XXXX. I also asked that she stop calling my references and informing them that they are trying to collect a payment. At that time the manager became rude and very unprofessional. I couldnt get a word in so I hung up. She didnt act that way when she left the voicemail on my  DAUGHTERS phone and even discussed options to bring the account current. That Saturday ( XX/XX/XXXX18 ) the same day I made a payment I received a letter of default on my loan. How did I default on a loan thats not even 30 days past due? I simply want them to stop contacting my references and collection/garnishment proceedings stopped if they have started.
I found an ad on XXXX for tickets to a basketball game that were very cheap. The seller asked that I pay using Paypal and that they would send me the tickets electronically. Since I knew Paypal to have guarantees against fraud I went ahead and sent the money via their mobile app. No tickets were forthcoming. 
It turns out that the scammer asked me to use Paypal 's " send to friends and family '' payment option which does n't offer said fraud guarantees something that is n't noted in the sending money process.
On XXXX/XXXX/2016 I got ac unit from conns on credit but come to find out its to big for my window so XXXX/XXXX/2016 took it back for exchange for a smaller one but they would n't exchange so I left it there. All I wanted was exchange. I even called the main office no good even calling them.Now I want it off my credit all together. Why should I have to be forced to take something that to big.All I wanted was exchange. Please help me have this removed from my credit.
Attempted to issue a security freeze on Equifax 's automated telephone system. The system is suffering outages and I could not issue the security freeze.
10.24.2017 I called dovenmuehle mortgage to resolve payment by due date. They misapplied my last payment. Did n't send me a statement for XXXX due date. And now they want to charge me a fee for giving them a payment over the phone to rectify their error.
In XX/XX/2018 I sent my first dispute letter to TransUnion. In the letter I requested that they send me copies of the documents that they have on file verifying the accuracy of the accounts I listed. I have send a total of 4 letters and they refuse to send me proofs or delete the accounts.
I have had to go to the local XXXX for XXXX and then when I had received E-Coli, I did not have the money to pay the bills. After continuous calls from patient billing services, they have sent my collections to debt collectors.
I was trying to place an order on Amazon and was having problems with the Internet ; I was trying to submit my order and accidently pushed apply button. The Chase Bank Card has put an Inquiry on my credit report and I want this to be removed because I did not apply for any credit. I was just trying to push the Add to Cart button and since there was problems with the Internet, I accidently pushed Apply. Please help get this removed from my credit report.
Checked my credit report via XXXX and noticed numerous invalid residential addresses, misspelled names and phone numbers I 'm not associated with at all.
I previously filed complaints with the CFPB & other agencies against XXXX XXXX XXXX for abusive business practices relating to an unsubstantiated collection account. ( Case number : XXXX ) XXXX XXXX XXXX responded to my complaints and deleted the unsubstantiated collection from my reports and stated that they were closing the account. Shortly afterwards, another collection agency DeVille Asset Management placed the same unsubstantiated collection on my credit reports. After years of abusive and illegal behavior from XXXX XXXX XXXX, they appear to have done nothing but pass this unsubstantiated collection on to another collection agency. A few days ago, I received a letter from DeVille Asset Management, LTD stating that I MUST pay by XXXX/XXXX/2016 or it would result in further action being taken against me under all available remedies. This letter was not in an envelope but sent simply as an already opened perforated piece of paper. The credit reporting agencies have placed security alerts on my credit reports. I have also filed formal complaints with the office of the TX Attorney General.
On XX/XX/2018, JP Morgan chase closed all my 4 credit cards account without notices, with no reason. 
And Chase also closed my checking account with no reason, no notices.
This complaint is regarding PayPal Credit formerly XXXX XXXX XXXX. I have been a consumer of this account I believe for more than 10 years ... The account remaining in good standing. Since PayPal Credit has taken over the account there seems to now be issues with the company receiving my payments in a timely manner. This has and is causing my account to occur late fees. It appears the action of not receiving the payments on time is being done sporadically. I have since closed the account after complaining to the company and they informing me there is nothing they can do about the problem. Payment was mailed on XX/XX/XXXX for a payment date of XX/XX/XXXX. Payment never received and not returned undeliverable. Payment mailed XX/XX/XXXX for a payment due date of XX/XX/XXXX. Payment never received and not returned as undeliverable. Payment mailed XX/XX/XXXX for due date of XX/XX/XXXX. As of XX/XX/XXXX payment has not be received. I believe all of these payments were mailed in more than enough time to be received as similar payments have been made to the same company on or around the same dates and those payments were received on time. XX/XX/XXXX payment was mailed XX/XX/XXXX and cleared on XX/XX/XXXX and XX/XX/XXXX payment mailed XX/XX/XXXX XX/XX/XXXX and cleared XX/XX/XXXX.  The only thing that was suggested to me to avoid late fees on the account was to either call in payment or set up an online account to a sure on time payments. The consumer should not have to be FORCED to call in or pay online to avoid late fees when payments are, being mailed in a timely manner, because business has no payment centers to receive payments other than the above options. I am filing this compliant because I believe this is a deliberate attempt to get the consumer to stop making payments via paper statements.
I had a citibank credit card for years while I was married. I was divorced at the end of XXXX, the divorce decree gave all of the marriage debt to be. I called citbank on numerous occasions to work out some payment plan but they refused. I contacted XXXX and they worked out a payment plan with Citibank that I am paying. Citibank however continues to report me as chargeoff and delinquent even though I am paying as agreed a reduced payment / settlement. In addition they also continue to report an in accurate home address for me. I ask only that they report my correct address and that they report me as paying a settlement as agreed. They say they will not change a thing until my debt is paid in full in XXXX, so they are continuing to damage my credit even though we have reached a settlement and I am paying as agreed.
A debt appeared on my credit report over a year ago. I was able to get it removed from my XXXX Report, but not from my XXXX or XXXX. The debt does not belong to me, it is reported to be from XXXX, which I have never had an account with that went overdue. The only XXXX account I have ever had was closed back in 2012 and was in good standing. I was never notified by XXXX about any debts that I owed.