WillisBack/dataset-financial-user-claim huggingface dataset:
I put a security freeze on all three credit agencies. I needed to lift it temporarily, and had NO problem with XXXX  and XXXX. Experian, apparently, sent me a PIN number in the mail, which I do not recall receiving. I answered questions it asked online, but the company would not life my freeze and wants me to send in a copy of my drivers license, bills and other proof of who I am, and will not lift the freeze or allow me to use a verbal identification over the phone with SSN, former addresses, and other proof of identity. I'm ticked off, because they make is so difficult to lift my freeze and can not make it reasonable like the other two services. Meanwhile, because I can not get the freeze lifted, I'm losing {$600.00} by not having my credit approved in time. 

We have no choice to be able to remove them from our credit services. I'm frustrated and feel that they should be sued for restricting commerce.
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Citibank, N.A., Best Buy ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Citibank, N.A., Best Buy is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
I have a  XXXX   XXXX   XXXX  credit card that was being reported to all 3 credit bureaus since its opening in   XXXX  , suddenly my positive credit card payments and account were removed from Equifax about 8 months ago. Nothing is reflecting on my Equifax credit report but is showing up on  XXXX  and  XXXX .I have contacted   XXXX   (  XXXX   XXXX   XXXX  and Equifax numerous time and the credit card assures me they are reporting correctly However equifax is saying that since they do not see the account then there is nothing to dispute and everytime I call they are not understanding that I am asking them to update and add my account back as my  XXXX   XXXX  is even asking them to do.   I have a valid, pays as agreed account that the credit card issuer says should be reported to Equifax as it being done with the other two bureaus and Equifax is refusing to do so, even with submitted written documentation ; no one ever authorized any change.   I need help badly with getting Equifax to understand.
In 2010 I went to the emergency room. I gave them my insurance card and all pertinent information. I received a notice from my health insurance company that the claim was submitted but to the wrong address ( state ) -- it should have been submitted to PA. The insurance company sent them a letter DETAILING how to correctly submit the claim. I called and went over all the information again and explained their error. THEY RESUBMITTED TO THE WRONG STATE AGAIN. They were contacted again and the claim was NEVER RESUBMITTED. I have NEVER been without health insurance in my life. I have already disputed this on my credit several years ago and nothing was done except to put a comment " account in dispute ''. Thank you for all your help. XXXX
I applied to refinance my home loan with Ditech Financial. The agent who took my information ran my credit report before he told me i had to be occupying the property i was attempting to refinance first. 

I need Ditech to remove the inquiry from my credit report because i feel they were not honest with me up-front concerning their financing policies.
Received a collection notice from American Medical Collection Agency regarding a bill from XXXX XXXX. We are unfamiliar with this bill and reviewing out records we have never received a statement from XXXX XXXX regarding this account. We contacted XXXX XXXX but they have no record of this account or the balance.
check n go continues to attempt to collect a payday loan that is now discharged in a ch XXXX they have continued these collection attempts the last 4 years even when told it was filed. they continue to tell me they were not listed but I have attached the XXXX showing them listed
Wells Fargo is allowing someone named XXXX XXXX, whom I do not know and to whom I have not given permission, to use my telephone number for some type of Wells Fargo service. Wells Fargo has called my telephone number on multiple occasions, despite my repeated demands that they cease and desist from doing so.
On the morning of the  XXXX   XXXX  I realize my debit card was not in my possession. On my way to work I stopped at citi bank branch on  XXXX   XXXX   XXXX   XXXX ,  XXXX  to request that they cancel my card and issue me a replacement card but I was n't able to recieve one at the location due to their machine being down as I was told. So I visited a bear by branch on  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX  to request a replacement card also. But unfortunately the machine was down also at the branch so I after speaking with the representative I decided to recieve my new card in the mail. Later on the evening I get a email from citi bank in regard to a few transactions citi bank considered to be fraud activity and to contact them immediately if those transactions were not mines. At that point I 'm so confuse because I thought that card was canceled. So after speaking with someone from  Citi ba nk dispute department they explain to me the someone use my card in  XXXX   XXXX  then I was told they would credit my account the money that was taken. The next day I recieve a call from a  investigator with question about my claim and if someone had knew my 4 digit pin and would I get a police report if needed. Long story short the denied my claim 3 times and every 3 times they ask for me to provide additional information to help with the investigation in my favor including the police report I got after the first two claims! This is my fourth claim I open with them about this matter and no one at Citi bank have yet to tell me how was my card used when it was suppose to be blocked and canceled. Citi bank continue to use the fact that my pin was use to make these transitions as a justifiable way to deny my claim I 'm not sure how that person got my card or pin or even who it even might be. Citi bank refuse to take responsibility for not blocking my card when I requested them to do so earlier that afternoon before these transaction happen and each time the I 'm given the run around as if they hope I just give up but I will conitue to fight and hope  that you guys will join me in this fight!
This issue is related to XXXX XXXX XXXX offer added to my account. Per offer, I was supposed to receive {$25.00} back after enrolling for a new membership at XXXX XXXX XXXX. However, after waiting for a few days, I contacted CS to see why the credit did n't post. At first, I was told that the charge posted for this offer does n't qualifies for the credit. After explaining to CS that it does qualifies, an investigation was opened up. Today, I inquired on the status and was told that the charge was not valid. I got disconnected before I could respond. When I inquired again, I was told the investigation is still on going. I am not sure if the issue is actually being investigated or not since I have received conflicting answers from CS. Can someone from the executive team look into it? I joined XXXX XXXX as a new member and never had a primary membership. I have emails from XXXX XXXX which was sent out after I took the membership online. Please let me know if you need any other information. Since I can not post my card number here, you can find me by my email address - XXXX or by my zip - XXXX.
This is the second time this issue has happened, and I have made multiple calls and sent 2 messages to the creditor to have it resolved and they still have not. I am in a promotional period until 2020. My  payment is {$84.00} until then. I had an instance where I tried to setup autopay and it failed to work. This has resulted in multiple late fees and my promotional payment increasing to XXXX $ which is putting the account more and more negative by the day. They are not helping in any way and it 's just going to continue to get worse if they do n't fix it. My fees need to be removed, due to their system problems, and the payment must be reduced back to the {$84.00} that it has been and should be until 2020. I am  continuing to pay the {$84.00}, which it is supposed to be, but since it isnt the {$110.00} they are trying to charge me, it incurs a late fee each time. Their system and customer service is awful and they are charging money fraudulently. Please have them fix this! 

Thanks
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.
Initiated two transfers to bank account on XX/XX/19. Company requested identification on XX/XX/19, and it was provided on XX/XX/19. On XX/XX/19, company said account was closed and did not identify how the transfers of XX/XX/19 would be sent, even after verifying my identity.
JP Recovery Services has sent me a letter attempting to collect a medical bill for allegedly {$70.00} for XXXX XXXX. I do not owe this amount and the debt is not valid. Insurance coverage does not require a copay for these visits. This is incorrectly billed to me. Furthermore, the XXXX XXXX misdiagnosed a medical condition from XXXX XXXX thru XXXX XXXX. The malpractice has resulted in : - Visits that do not require copay ( but I was billed incorrectly for ) - XXXX XXXX XXXX
XXXX credit card included in BK. Should be closed as of XX/XX/XXXX. XXXX loan separate, but on same account. BK Reaffirmation of Debt was on XXXX loan ONLY, not credit card account. Credit card should be closed as of XX/XX/XXXX. All three credit reporting agencies are including the credit card debt in years XX/XX/XXXX and XX/XX/XXXX. Have contacted XXXX to no avail. Please help. 

Thank you
I had multiple collections removed from my account, from dispute, all in which are 2+ years old.. within a weeks time these where all added back onto my credit reports as OPEN accounts, adding to my balances ... THESE NEED TO BE REMOVED! they where disputed and removed, and now have been added back on! how is this possible?
1. Vehicle leased XX/XX/XXXX ( lease payments incorrect ) ; 2. Lease modified XX/XX/XXXX, dealership refunded {$1500.00}, paperwork never changed ; 3. On/about first week XX/XX/XXXXhad unexpectected acceleration and braking which XXXX XXXX nor XXXX could determine cause ; 4. On or about XXXX XX/XX/XXXX, additional unexpected acceleration in heavy traffic, again XXXX XXXX could not find problem ; 5. XXXX XXXX, owner then offers to exhange vehicle, but has get approval XXXX XXXX ; 6. Around XXXX   XX/XX/XXXX, notified that XXXX has approved Substitution of Collaterol, ( like kind exchange ) ; 7. XX/XX/XXXX, pick up new vehcile, another XX/XX/XXXX XXXX, with few upgrades ; 8. When get home, check VIN number and they don't match, call XXXX XXXX and XXXX XXXX and report alleged fraud. 9. Since that date, attempted to resolve with XXXX XXXX, Owner, and he has failed to provide proof that VIN number has been corrected and file registrations documents with XXXX DMV ; correct Closed End Motor Vehicle Lease Agreement Louisiana/reduction ; correct Odometer Disclosure Statements/reduction ; and manipulate Act of Sale documents/reduction.
This company has taken my 2017 tax refund and no longer has this acount why did they take my refund and why are they reporting incorrect information on my credit reports these are fraudulent acts that this company are doing to consumers
I received a letter dated XX/XX/XXXX from Bank of America stating that i owed {$31.00} from an account closed XX/XX/XXXX. My case number for this issue from Bank Of America is ( XXXX ). I contacted their Recovery Services unit and paid this amount ( {$31.00} ) was paid in full that month ( XX/XX/XXXX ). It has been four months since i settled this debt and I can not open a bank account. This issue in impeding my progress. I need a bank account and thought this was settled months ago. I even gave it time for them to report to credit agencies for it to be removed. I tried to open a bank account on XX/XX/XXXX and was unsuccessful due to this issue i thought was resolved. I am requesting that that this negative report be removed so I will be able to open accounts in other financial institutions. I am know wondering if there is another issue that is delaying my ability to open an account
Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made after this
Since I was all the time getting offers from Barclay`s bank I have applied for Barclay`s AAdvantage Aviator Business card.I have a personal XXXX XXXX  credit card with them with a limit of XXXX, but I don`t want to use my personal credit card for the business. 
I have a excellent credit history.There is nothing negative in my application.i`m in a field where we are saving someone`s life everyday.We are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i`m the XXXX of the company.and there lots of daily expenses and licensing expenses we have during our operation where I don`t want to use my personal credit card.And since Barclay`, my credit card company were sending me offers everyday to apply for a business card, I decided to get it.After submitting every document they called me on XX/XX/.After putting several hard inquiries on my credit report which is over 780 fico score, they told me you know what we don`t wan na give you business credit card because you already have XXXX XXXX XXXX XXXX with us.I kindly explained them that advising someone to use his personal credit card for business is not a right thing.And I also explained them that by putting several inquiries on my credit and without reason declining, you are not only damaging my credit score, but ruining my chances to get a business card from different bank.

I also told them that under the fair credit reporting act creditor can not taken an adverse action against consumer based on discrimination what I felt happen to me.I really felt that Barclay`s Bank treated me as their customer very unfairly without giving me the right reasoning.If their employees continue treating their own customers like this they will lose lots of customers, and I`m going to be one of them.If I don`t get this problem solved I`m going to cutt all my relationships with that bank.

Everyone in this country are equal.We are all paying taxes.No one, it doesn`t matter its a bank or individual can treat anybody unfairly in this country.
Again they sent me and consumerfinance.gov ilegal paperwork after I put in over 40 calls and emails and faxes to deal wtih it and their promse to call, they refuse to call and keep sending this dribble, I am building a case against them and will put this up until XXXX or XXXX and other government agencies have enough to go on from there. Wells Fargo again has committed fraud and embezzlement, they keep sending consumerfinance.gov and me these illegal documents and they do not address my issues, there for I am building a case against them and will put them back up until they pay up, I will not tolerate consumer terrorists. This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
Our family prequalified through supreme lending for a mortgage XXXX. They told us our loan looks good, told us how they could do a quick close. That sounded great to us, we could be in a new house shortly after the school year started. We turned in all our documents was told everything looked good then approximately 3 weeks had gone by time to enroll our son in school. We called the mortgage company confirming our loan. We were told our loan looked good but they could n't find an appraiser for 2 weeks minimum. We had to postpone closing, told us if we could find an appraiser to get it done we could close on time. We did, all the sudden their appraiser could do it but had to postpone closing a week. That 's when the problems started. They had lost or never received many of the documents we gave them. This is the first time we were notified of the problem. Because of the " your loan looks good, no problem " we enrolled our son in school. A week before closing the loan still had not been to underwriting. Still missing documents that were resent 2 and 3 times. They had a page here or a page there, but missing page # s ... Sent them again, " they must be going to spam '' is what we were told. I reopened all documents verified info. And told them I 'll be there tomorrow after work. I sat in supreme lending conference room for over an hour waiting for them to receive a fax from our bank that was sent before I arrived. Was lied to about being able to close on time, told they do n't have a spam file in their email. I have all these email conversations saved between me and the assistant loan officer. Come to find out from the branch manager, " there 's no way to close in 3 days, there is a 3 day wailing period after loan is accepted. We had n't even made it to underwriting yet. I came unglued, my documents had been lost multiple times, lied to about closing on time but late according to original contract because of shady appraisal deal. My son is in a school XXXX miles away from home because '' your loan looks great, solid '' I think is what we were told. The deadline to loose our earnest money was 2 days away, I told them I need an answer before I loose more money in this shady situation. I looked at reviews on line and by chance one of my employees was having same issues with his loan. We got to talking, same company '' SUPREME LENDING '' our loan was denied the next day. Now we 're in underwriting at another company with a real pre approval. I believe supreme is misleading, mishandles documents, and not honest or up front about their appraisals. I have requested them to return my documents they did n't loose and destroy all vital info we have them. No response to this point. STAY AWAY FROM THIS COMPANY " SUPREME LENDING '' very shady. I 'll be happy to share all our email conversation, check out the customer reviews, you 'll fine this to be a common practice for that company. Not to mention everytime we communicated our interest rate went up.
I received a call on my cell from a phony debt collector about a wells fargo account that I closed back in XX/XX/XXXX. At first he wouldn't tell me who the creditor was that was attempting to collect the debt. Then he finally told me it was Wells Fargo which is impossible because I called them and confirmed that no debt was owed or sold to a collection agency. I was also told by Wells Fargo that a debt from XX/XX/XXXX would no longer be collectable. He had an old address of mine and tried to use it to show that they " had my information on file. '' He kept pushing me to give him my current address but I refused. 

The call was received at XXXX on my cell from phone # XXXX. When I looked up the number on XXXX there are multiple reports of this being a scam number.
I made XXXX payments to my account XXXX payment on XXXX/XXXX/XXXX for {$530.00} it posted to my available balance. I made another payment $ XXXX/XXXX/XXXX {$500.00}. The credit card hold removed the previous payment from my available balance the {$530.00} and hold the new payment of {$500.00} from my available balance. I have a total of {$1000.00} missing that has not been applied to my credit account.
The following hard inquiries in my Transunion report were not approved by me please have credit reporting company delete. I sent multiple letters to credit company and they were not deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company should also delete these accounts as they are showing wrong after multiple letters were sent : XXXX XXXX XXXX
This is in addition to my complaint filed earlier today. 

In addition to my previous complaint:1 ) Ocwen has never answered any of my issues in a timely matter. Every time Ocwen 's time to answer they respond by requesting additional time. And, each time the complaint has been similar still, they ca n't answer and resolve this issue in a timely matter. 2 ) Ocwen has never answered my first RESPA request. This is supposed to be answered within 30 days or be fined a min. of {$4000.00} for non compliance. Ocwen has never paid that fine to me. 3 ) Ocwen continues to mail me - through the U.S. mail monthly mortgage invoices which are not correct. I believe this is a federal crime and is punishable by {$5000.00} for each occurrence. Ocwen has mailed this to me at least XXXX times in the last year. Who is responsible for enforcing this law and how do I get them to pay up?