WillisBack/dataset-financial-user-claim huggingface dataset:
After the XXXX breach, I attempted to freeze all three credit bureau accounts. I was successful with two of the three. I had a problem with Experian. After entering all my data, I was informed that they could not process my request for a freeze. They allowed me to upload documents which might help get me approved. Thus, the process began. I scanned four valid documents, driver 's license, passport, XXXX  card, and social security card. Every time I tried to upload the scans I got a different error. First, I was told it could not be in color, next time I was told it could only be a TIFF file, next time I was told the grayscale TIFF was really a color file, the next time I was told after redoing the files that I had timed out, but only after my fifth attempt. This company is run by 1980 rejects. How can the government support such an archaic business? Right now, I am stuck with having to run copies and mail, while I wait, wait, wait for a decision. I only wanted to freeze my information. What frustration! 
Experian had never set the standard from which they were operating. It was only a guessing game plus two hours for nothing.
hi, XXXX equifax reinserted my son 's ( same name, Im sr, he is not ) bankruptcy, wage earner, collections, judgement, XXXX inquiries they just placed i only had XXXX inquire in XXXX years, false accounts and false alerts not placed by me in my files. for over a year I have fought and begged them to fix my credit, to remove what 's not mine and they refuse or play games, we lost the opportunity to purchase foreclose property denied by suntrust because equifax, our score in other credit companies are about XXXX.
XXXX XXXX, requested unauthorized credit report and following hard inquiry. I have never given them rights to do so. Being XXXX XXXX am I am ashamed of that sort of businesses or or scams! I need them to remove all information and inquiries from all credit bureaus. Fix it as soon as possible!
I had a call from this number from this number. I called the number back the individual said something, none of which I could hear or understand. The individual was rude when I kept saying hello as they were going so fast his respond was I am going. He did not say who they where and wanted me to verify my info which I refused as I did not know who I was talking to. individual then stated since I will not verify he will have to end the call. I did him the honor and ended the call.
I have a FHA loan through Freedom Mortgage. 
XXXX XXXX Cooperate office is XXXX XXXX XXXX XXXX, XXXX XXXX The office I am dealing with : Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX Work : XXXX ext. XXXX Fax : XXXX Freedom Mortgage is hounding me on my F.H.A. loan. 
Starting XX/XX/XXXX the letters and phone calls became two and three times a week to refinance. 
XXXX of XXXX was a particularly pushy call ; I went around with this man explaining to him that XX/XX/XXXX the PMI would drop off my loan as I fell under the lock time for a permanent payment of the PMI. 
Since this call the letters and calls have changed and it seems the worth of my home has changed and then my monthly payments are not showing up ( Since XX/XX/XXXX I have had no problems ). 
This has all exacerbated to the point and many arguments and hours on the phone with them, the last call was quite interesting as I was informed that XXXX XXXX was my mortgage provider not Freedom Mortgage, they finally admitted that XXXX XXXX was their XXXX. I was also informed that the reason I will never be able to drop the PMI was there was no appraisal on my property! 
When freedom Mortgage took over my FHA loan the program they used was if the last appraisal was within 2 years they would sue that one which is for XXXX. They are using my original loan amount OF XXXX. 
Freedom is trying to defraud me with forcing late payments, no appraisal, and Enormous escrow " adjustments ''! 
They agreed to send me the recordings and the paper work that they are using to compare the paper work That I have so I started recording the conversations, this has been nothing but a XXXX Situation as I have been a homeowner since XX/XX/XXXX and have never missed nor been late on my house payments. 
Would you please look into this for me?
My loan was purchased/sold to round point mortgage. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for the amount of {$2000.00} in agreement with the mortgage and escrow payments required. The double payment in XX/XX/XXXX was due to a miss payment when setting up the auto-pay when the mortgage was purchased. It was the payment of XX/XX/XXXX. The payment for XX/XX/XXXX and XX/XX/XXXX was $ XXXX due to a shortage in escrow balance. Round point had a higher minimum amount that the original loan agreement. The next due payment is now for {$2300.00}. Again an increase in escrow due to a shortage. Under further investigation into my account, Under Taxes I am not listed responsible for XXXX  XXXX for {$2000.00} and for XXXX XXXX {$1700.00} ( the county I live in ). That is the reason my escrow has increased. This is a mistake by Round-point mortgage adding the additional county erroneously. In my attempts to fix the issue that want me to send in my tax bill. I have not received it yet, and I should not be required to do anything to fix my account back to the original monthly payment. I have tried to escalate within the ranks for Roundpoint and have been hung-up on and placed on infinite hold. What they are doing is illegal and I would like to get in resolved as soon as possible. After a second call back I have been told to give them at least a week to resolve the issue. I am still filling this complaint in case it is not resolved correctly and should have never occurred.
Lender ( XXXX XXXX / XXXX ) filed for bankruptcy in XXXX XXXX. Debt for 155,000.00 made XXXX XXXX included in chapter XXXX Loan transfered to several different collectors. Asserts TILA & RESPA violations ; Request any and all copies of MERS transactions XXXX CFPA violations
I filed a formal " dispute '' with Capital One re my experience at XXXX XXXX XXXX in XXXX Oregon on XX/XX/2018, and the various correspondence and phone conversations extended thru early XXXX. 

This complaint began with a problem I had with an auto repair shop on XX/XX/2018 in XXXX Oregon as I was traveling on a summer trip. They overcharged me {$210.00} on my Capital One credit card ( {$630.00} total after being originally quoted a price of {$420.00}, which is the average price for such a repair ), and so I filed a " dispute '' with Capital One, along with 20 pages of documentation and narration describing and showing HOW the price I was charged was WAY OVER the NORMAL COST for such a repair. Capital One asked me to submit this documentation. Then Capital One asked the auto repair shop ( XXXX XXXX ) to submit their own documentation. XXXX XXXX responded by simply submitting the signed receipt. 

On XX/XX/XXXX, Capital One asked me in writing via postal mail for further documentation to " use against '' XXXX XXXX & I responded with a copy of the invoice in which they quoted {$420.00}. 

On XX/XX/XXXX, Capital One then simply responded in writing by postal mail by saying the case was closed and that they supported the merchant, not me. They said they tried to contact me via phone ( but they called the old phone number, rather than the new one which I had just updated with them only a few weeks prior ). Thus, because I was traveling again, I did NOT realize they had closed the case until I called back a few weeks or so after XX/XX/XXXX. 

In early XXXX, I finally spoke with somebody a little " higher-up '' at Capital One at this point in time, and she knew nothing about my case, but " reviewed '' it ( the entire 20 pages ) as we spoke on the phone, and spoke as if the only reason they handle disputes is because mastercard requires it. She sounded as if she did NOT care much at all, if at all. She CLEARLY did NOT carefully read my 20-page supporting document, and dismissed the conversation by saying " Well, the receipt was signed ... '' as if that's ALL that matters. 

I told her that they changed the price at the end of the day and pressured me into signing it ( they have ways of " sabotaging '' your vehicle if you don't pay the higher price ... I saw them signalling to each other, so I knew I had to pay now, dispute later ). The FINAL PRICE speaks for itself ( res ipsa loquitur )! I was far from home, my car broke down. It was the day before the XXXX of XXXX. They knew I needed to keep traveling. They unethically and unscrupulously " twisted my arm '' to pay an outlandish price just to get my vehicle back and be back on the road again. Capital One showed no signs of caring or even that they carefully reviewed my documentation. Shame on them. 

After this final phone call with the unnamed " higher-up '' female at Capital One who dismissed me perfunctorily, I began to search for ways to further address this issue ( now also a Capital One issue ), and came across the CFBP website. I ask CFBP to investigate this matter, accordingly. 
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I utilized PayPal as a money transfer service to send/receive money with my fiance for rent, utilities, and other bills. In addition, my PayPal account was linked to my eBay account for purchasing/selling products. PayPal is currently holding {$1400.00} of my funds without just cause for " up to 180 days. '' I have contacted PayPal representatives on numerous occasions to request evidence of any violations of PayPal User Agreement, but have never received a response.
On XXXX XXXX, XXXX, I sent the attached Certified Letter to Transunion. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Transunion is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted. 
I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX. 
XXXX is NOT PHYSICAL VERIFIABLE signed contract by me. 
These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ). 
I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX
I received a debt collection letter for an amount of over {$30000.00}, stating that it was originally for a XXXX credit card. I 've never had a XXXX credit card, nor have I ever had a credit line anywhere near that large. This is completely bogus. The company attempting to collect the debt is 'First National Collection Bureau '. I have read that this company has made numerous fraudulent collection attempts and I want to help to stop them for good.
We are in a DESPERATE situation and need help fast please! My wife and I are supposed to close on our new home on Tuesday XXXX/XXXX/17. On Thursday XXXX our mortgage company pulled my credit to submit for final 'clear to close ' to underwriting, and the score was XXXX points lower than it had been before, and no longer eligible for the loan approval. Unbeknownst to us, a cable bill debt that IS NOT VALID and was disputed and DELETED back in XXXX, came back onto my report and tanked my score. I immediately called the collection company, showed them proof of the deletion and they submitted a " manual deletion '' and gave us a deletion number and a letter saying it is deleted. I then called Equifax and gave them the deletion number. They said there is nothing they can do for up to 75 days. We are unable to close on our home until this is GONE from my report and my score returns to normal. Meanwhile we have sold our home and must be out by the end of the week! My family of XXXX with XXXX young children will be homeless unless this is resolved and we can close on our loan. PLEASE HELP US get this error on my report removed!!!
XXXX i sent in a debt validation letter asking that they send me a copy of the dept with my signature on it .i asked that i receive all original documents. I have never received anything but a lot of phone calls.UPON SEARCHING THE TEXAS SECRETARY OF STATE DATA BASE NATIONAL CREDIT SYSTEM IS NOT LEGALLY BONDED TO COLLECT A DEBT IN TEAXS.
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Capital One Bank To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim Such as I owe an unknown amount. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( Experian ), Bankruptcy ch XXXX-dismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch? -dismissed Ref XXXX ( Experian , XXXX ), Bankruptcy ch XXXX- dismRef XXXX ( Experian, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( Experian, XXXX ) , Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( Experian, XXXX, , XXXX ) , XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX ( experian, XXXX, , XXXX   ) , XXXX XXXX Acct XXXX ( XXXX, , Experian, XXXX   ) , XXXX XXXX ( Experian, XXXX, , XXXX ), XXXX XXXX XXXX ( Ex. XXXX, XXXX ), XXXX/XXXX. XXXX XXXX
The account was closed over 8 years ago. FAIR COLLECTIONS keeps changing the date that the account was closed. It now shows on my credit report as if the account was opened in XXXX. It was opened in XXXX. I moved and closed the account in XXXX.
Back on XX/XX/XXXX I filed a complaint against CREDIT PLUS for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit Plus claimed to have authorization from XXXX  XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. 
Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or Credit Plus has provided any information. 
It has been well over the 30 days since Credit Plus could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, Credit Plus is well familiar with the law as their supervisor explained to me via phone and in their previous responses. 
Refusing to delete the credit inquiries would be a willful refusal to follow regulation and the law.
We purchased a Lexus in XX/XX/XXXX with XXXX miles allowed on a 2 year lease. XX/XX/XXXX, my family encountered a hardship which we realized that we would need to use the car more than anticipated. We walked into the Lexus dealership and spoke with a financial rep. We explained our situation and asked if it would be possible to purchase extra miles or negotiate the contract. The rep told us that it will be possible to purchase more milage and to continue driving the car. So we drove the car and are now at XXXX miles. I called Lexus financial and was advised that buying milage was not possible and that there is nothing they can do to help. I attempted to speak to a supervisor and was hung up on 3 times attempting to be transferred. The last rep stated that they have been having trouble with their phone lines and the last rep XXXX had notated that the line had hung up. I am still waiting for a supervisor to call back. I understand we had a contract but we would have never gone over our miles if we had known that buying milage was not an option. I keep telling Lexus that I want to buy another Lexus and would like them to work with us with the overage on the milage. All they say is that we do n't have the capability to negotiate anything. I cant believe how they treat their loyal customers. I really want to purchase another Lexus since my lease is up in XX/XX/XXXX but if were being lied to about our options and playing the he said she said game then i will never step foot into another Lexus dealership. This is fraud and misrepresentation. Please help us negotiate our overage, I am a XXXX and do not have the money to afford what has happened. I am willing to pay half and get this nightmare over with. Please help me.
I was not aware that the company was charging me such a large amount to them, they made it out that they XXXX a month would be going to by student loans and not them. I was also not aware that this would show up on my credit account as a credit card.
Equifax is reporting a judgement ( # XXXX ) for {$1500.00}. This judgement was paid and satisfied. I have written them twice but they have not changed it to show paid and satisfied.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX {$1200.00}
Due to the security breach that Equifax had, and the THREE MONTHS before they notified the world ( during which time Equifax executives took the opportunity to sell their stock ) I and two family members are unable to : -Unable to contact Equifax by phone or website -Unable to request a free annual credit report to check my status -Unable to take a request to freeze my credit report.
I think their behavior has been criminal and they have exposed me and my family to worry, stress and their resources are too limited to let me do my part to address their negligence. 

XXXX XXXX XXXX
I paid this debt to the creditor who purchased it in XX/XX/XXXX 2015. the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid
Credit Bureau is reporting inaccurate information on credit report with XXXX. Account went from OK XX/XX/XXXX-XX/XX/XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
The four major credit bureaus, XXXX, TransUnion, XXXX, and XXXX are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX  in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.
Every year my private student loan payments increase. I have tried to lower my payments to a more reasonable payment but Navient refuses. I am almost to a point where my loans may default.
Late XX/XX/XXXX I applied for an XXXX rewards XXXX with comenity bank. I have a fraud alert on my credit report so they performed the extra verification. I was then approved and mailed my new card. The very day I receive and activate my card, they close my account " due to security reasons '' but no one can tell me what the concerns are. I am very frustrated seeing as how the only way I knew or would have found out is by having my card declined in a store.