WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, I have recently been denied an application for credit on the basis of my Equifax credit file. According to federal law, I should be able to obtain a free credit report from Equifax. Yet for about the 10th time I have been in this situation, Equifax will not make my credit report available to me online. Each and every time I am directed to a page I am supposed to print out and mail to them together with a copy of my Social Security Number card and driver 's license for further verification. I have done this numerous times in the past. I have also called Equifax a countless number of times and spent hours upon hours on the phone with them trying to obtain my report and resolve this issue. Yet EACH AND EVERY time they deny me access to my rights under the pretense of identity verification. How many times do I need to send them my sensitive documents in the mail ( and risk identity theft in the process )? They do not have a problem verifying me. They are simply trying to make it as hard as possible to obtain free credit reports so as to goad you into signing up for their paid services. This is shameful and I have never been so disgusted with a financial institution in my life. Yet I am captive audience and can not leave to choose another provider. That 's just how credit reporting works. Please note I have absolutely NO PROBLEM obtaining my credit reports on first try with XXXX or XXXX. Please please please force about change at Equifax or shut down this racket!
Made an settlement agreement and not honoring it. Either honor it or forgive the rest. Also Please do this as well. 

They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line.
XXXX agreed to delete this collections off of my report. This has not been done by Transunion. Enclosed is the letter.
I received a letter in the mail stating that I owed XXXX {$810.00}. The account is under my married name is XXXX. I am divorced and went back to my maiden name which is XXXX. I asked the representative to give me information about the account. She verbally told me the dates of service, name on account, address, and phone number. I asked for validity of the account to be sent to me. The representative stated that she would send the documents for validity and that I would have to fill out documents for an Identity theft victims complaint and affidavit form. I only received the Identity theft victims complaint and affidavit form. I called Afni ( the collection agency ) this evening and I was told a different story about the validity of the collection. I asked for an extension on filing out the Identity theft form and I was told she did not know how to request that but she would document it in the notes. I expressed that I was not paying a bill from XX/XX/2012 that I do not recall and that is why I am requesting validity. She said she would document the statement. This Identity theft form wants me to put a fraud alert on my credit files and file a police report. I am not willing to do this especially when I do not even know anything about this bill.
I found out that my loans, now transferred to XXXX XXXX  from XXXX, have now had their clock restarted at month XXXX for making the 120 qualifying payments. I am almost finished my 10 years since paying the loan and now I find out that I am starting at the very beginning! There were several discrepancies. At several points my loans were placed in forbearance not of my choosing ( XXXX says that XXXX may put my loan in forbearance without my knowledge at any time ). They have lost almost 2 years of payments when my loan service provider had a different name ( XXXX used to be XXXX XXXX from the dates XX/XX/XXXX to XX/XX/XXXX ) even though I have the email confirmations of payment. Plus the fact that I USED to be on an income repayment plan when I re consolidated my loans and that seems to have disappeared off of my record. This is absolutely horrible! I am working as a XXXX at a XXXX   XXXX  where I could have used my XXXX XXXX XXXX in a private sector job. I wanted to work for my alma mater and love working in XXXX XXXX. It seems that many were duped by the PSLF and apparently there is nothing I can do.
On XXXX/XXXX/2017 at XXXX we received an automated call ( XXXX ) asking for a call back to XXXX. A call back was placed to MRS Associates and I stated to the operator that we have asked multiple times for calls to stop being placed to us. The operator very politely tried to go through our main numbers and stated that our main numbers have been blocked. Because the system does not allow for forwarding to the main number, a narrowing of what number is being used is impossible, as we have several numbers that forward to our main number if not answered.
Capital One made a decision about my credit that is obviously incorrect. I attempted to contact them multiple times through their website and customer service lines for assistance, and the only response I got was a suggestion that I open another credit card with them. I wrote a letter directly to their complaint department and still have received no follow up. Capital One 's policy to ignore complaints and hope they go away is not appropriate.
Follow up to XXXX XXXX 's response to COMPLAINT ID XXXX : 7 accounts in varied amounts originated bXXXX XXXX XXXX  are reported on several credit reports belonging to myself. Information on these accounts have been reported erroneously according to the XXXX. This data was disputed in XX/XX/XXXXand was not removed nor changed. An Experian credit report generated in XX/XX/XXXX lists XXXX XXXX as the creditor at that time. Sometime after this report, XXXX XXXX began to appear in XXXX XXXX  place. The XXXX XXXX accounts were closed and paid in full in XX/XX/XXXX. I had never even heard of XXXX XXXX until it appeared on my credit report. After doing some research I learned how XXXX XXXX broke off from XXXX XXXX in XX/XX/XXXX. I have contacted both companies via postal mail, phone, email, disputes by XXXX, and finally by filing complaints through the Department of Education and the Consumer Financial Protection Bureau. XXXX XXXX never had the authorization to obtain my credit information or personal data. XXXX XXXX never had the authorization to give this data to XXXX XXXX. In addition, both companies continue to report the same accounts on my credit reports depending on which agency you use. XXXX XXXX response in the CFPB investigation was that the accounts were not theirs so the issue was not either. I have a lot of ink that proves otherwise. In addition, you will see that beginning in XX/XX/XXXXthe screen shots show that the accounts were 90 days late yet the month prior was current. This is also a clear discrepancy and erroneous reporting. The information can not possibly be accurate.
I have already disputed the amount this company is attempting to collect from me. I do not owe this amount since my insurance paid for the very same claim this people are trying to collect on. I need them to prove what they are saying, and I need them to stop their harassment. 

I waited over 2 months to take on the treatment, because I was not able to take it until it was approved and paid by insurance.
My credit card was charged {$24.00} on XX/XX/2017 for a credit report which I do n't remember ordering or signing up for. I tried calling Experian who put through this charge on my credit card and twice I was told by their telephone prompts at XXXX that my wait time to speak with someone about this is over 1.5 hours. Really? to make matters worse, their online support page tells you to call this same number to resolve the issue. This is ridiculous. How can a Credit Bureau of all person ask an affected consumer to wait 1.5 hours on the phone to address an issue with them. I need to cancel whatever arrangement they have on file for me regarding this and I also need to be refunded. I have since cancelled my credit card to avoid further charges. 

Please help
I have requested several times that Equifax remove unauthorized credit inquiries that appear on my credit report that I have no knowledge of and did not authorize with approval.
I opened a loan with Santander in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.
I went to XXXX XXXX and was told i was being charged for 3 months rent for months i did not live there i gave them a 30 days notice in XXXX 2014 and returned my door keys in XXXX. I never signed anything renewing my lease. The lady in the rental office told me there was nothing she could do because it was a different manager at the time and to dispute it with the collection agency. I have done that but have n't received anything in response other than its being reported as a closed derogatory account. I 'm willing to pay what I owe so that I can rent a new apartment.I will not pay for something and I did not live there nor did I ever have to pay rent when i did live there. I have contacted the collection agency numerous times only to be told i have n't disputed or they have n't received anything from me. I 'm XXXX XXXX XXXX and this is holding me back from renting an apartment.
I submitted a payment online for my Wells Fargo mortgage. When I submitted it, I accidentally selected the wrong account ( per Wells Fargo ). Therefore, it tried to take the payment out of a bank account that had insufficient funds. Instead of contacting me about the issue, they proceeded to attempt to take the payment out three times causing over {$90.00} in fees. After speaking to Wells Fargo, they told me there was nothing they could do about it. I told them I thought it was poor customer service to not contact the customer to tell them their payment did n't go through nor did their website allow me to view the payment once it was submitted. Had I been able to view it, I would have known it was coming out of the wrong account and would have deposited money into the account to avoid future fees. Their response was that they do n't have the time to call all of the customers that have Insufficient funds.
My first mortgage payment with seterus was in XXXX 2016. XXXX, XXXX, XXXX, and XXXX were all paid on time. At the end of XXXX I received a letter stating that I owed for all four months payments. Their claim is that the payments were denied by my bank, and I was informed to send them proof of payment through fax. They requested my monthly bank statements showing proof of payment. I sent my monthly bank statement showing the payment went through with all but the last XXXX of my account numbers blocked, and all financial transactions not pertaining to them blocked. Included in the fax was proof that the payments had posted, and 2 days later been authorized by the financial institution as well as a letter from the bank manager expressing that all payments had went through and not been denied. Upon calling seterus to confirm they had received the faxed documents i was informed that my loan was going into moderation, and also that I had to resend the bank statements showing every transaction from my bank account ( which I will not acquiesce to ). I continue to get letters threatening foreclosure or default, and they refuse to allow me to make a current months payment until I " repay '' the previous 4 months total.
Equifax is reporting a " pending '' judgement ( XXXX. XXXX XXXX Texas ). This error was also showing up on XXXX and XXXX, however after I mailed them and pointed it out they deleted it. Equifax says they " verified '' the information. I have contacted the clerk of the court and was assured that no one from any credit bureau had been in touch with them nor did they ever report this in the first place. 
This was settled before court. There never was a judgement. It is not pending since 2008 as Equifax is reporting.
Iv got a Best Buy Credit card And on my last month on paying off on XX/XX/2016I payed the full amount of under {$100.00} at the store then couple years later iv decided to purchase a car from the dealer and they told me your Credit score was low because you missed 60 days on your Best Buy credit card payment which I strongly believe is not true
helloFirst I 'd like to let you know that removed my full name leaving only initials for security purposes. 
I am contacting you with regard to XXXX rewards card. 
This card classified my payment as late from XX/XX/XXXX ( saved the webpage for your records XXXX. I reviewed the account and I can see that I modified my payment method on XX/XX/XXXX XXXX an email was sent to me ) below is the details : Type : ModifiedReference ID : XXXX Date : Monthly on the day of your payment due datePayment Amount : Minimum payment dueBank Account Name : XXXXAfter payment method modification, the monthly statement ( which is attached for your records ) was issued for the following statement Billing Period : XX/XX/XXXX - XX/XX/XXXXIt clearly statesActivity for XXXX XXXX - card ending in XXXX Date Posting Date Transaction Description AmountXXXX/XXXX XX/XX/XXXX Payment Received BANK OF XXXX - $ XXXXThis clearly states that the credit card company received the payment on XX/XX/XXXX yet informed me that the payment is late. 

Moreover, when I login on the credit card personal webpage ( on XX/XX/XXXX ), it states that the payment is overdue last payment received {$25.00} XX/XX/XXXXI had a similar story with this credit card company XX/XX/XXXX which obviously had issues with their website and they reported my payment as late XX/XX/XXXX. During that time I had problems with Auto payment enrollment confirmation and this credit card company reported my late payment to credit bureau which negatively impacted my credit history. I wrote them nicely to ask to correct the issue but they refused to help me. I am attaching my credit report which shows that I never been late on any other credit card yet XXXX rewards card is causing me a lot of trouble. I was unable to receive good credit cards as well as obtain a credit because of these issues. 
I am an elderly person and the whole story causing me a huge distress. Please help. 

Thank you and XXXX bless you
Automatic Payments were dropped upon replacing a lost card. The account remained the same. There were no disclosures upon replacing the card that there would be a need to re-enroll in Automatic Payments. The Payment did not pull on XX/XX/XXXX and the card was frozen without notice. Upon calling the bank to find out why the card was frozen when I returned to the country on XXXX XXXX, it was discovered that this was in fact bank error and the account should have never been late. The bank refunded the late fee, but would not remove the restriction on the card. Prior to understanding this was in fact a bank error, a XXXX payment ( XXXX x times the minimum ) was transferred with US bank funds. It was refused to release the restriction from the card until Tuesday, XXXX XXXX, leaving me without the use of the card for 4 days as well as all of my funds tied up from the checking account in limbo to this payment. There needs to be clear and quick resolution for customers when the fault does not lie with the customer. I spoke with XXXX supervisors, XXXX agents, and requested to speak to a manager. The request to speak with the manager was denied, and stated they would return the call. They did not. Additionally, I asked for the head of the credit card division contact information, name nor number was provided. I asked for an escalation avenue and this was denied. Transparency in escalating requests and timely follow up with a large customer service issue did not occur.
this complaint is based on the response from the company in regards to complaint # XXXX that response is a forgary. the company admited fault for not disclosing and requiring the insurance prior to closeing and acnoledged that within the first 3 weeks of closing that insurance was needed. in regards to the companys response it has been proven that the values listed by XXXX in the response is a fraud and does not reflect the origonal loan application. i then asked wellsfargo through secure messaging for my loan application. i then asked XXXX who was handling my issue and sent the fragulent response for the same document. wellsfargo sent me the one i signed in person. XXXX sent me one that he altered and put my electronic signature block in makeing it not only another fraud trying to cover up his mistakes but a forged signature. before adding the wind insurance which then was around 2700 a year my liabilitys were XXXX in the response with the added wind insurance it states it was XXXX and equaled a debt to income ratio of 40.07. they used those values becuase on my application my liabilitys of XXXX would be over 41 % debt to income ratio. this means they they had the knowledge that it was not exceptable for lendingeven before the house closed but to get the comission they pushed it through. using the values of the loan application and adding the wind insuance of XXXX a month which comes too XXXX which is way above the debt to income of 41 %. and now to make things even worse that wind value was before hurricane season. as of today the wind insurance jumped to XXXX which will be alot higher debt to income ratio. wells fargo sent cpfb a fragulant response after admiting they didnt disclose the right info before closing and proved that my debt to income was not acceptable before the loan closed but pushed it through to get commission. this extra insurance if the rate does not change for 29 years is over 95k which i would never had agreed too.
Since Green Tree Servicing, now DiTech, purchased my mortgage loan from XXXX XXXX XXXX in XXXX, I have been struggling with getting them to investigate and stop late payment fees since XXXX. I was not delinquent when my mortgage was purchased, tried to resolve this with their customer service, which has been very frustrating with no resolution and with constant phone calls about delinquency and no ability to make payments online because of the late fees, so I had to mail payments or use Speedpay which cost {$12.00} per payment. Since XXXX XXXX, I have received numerous offers from Ditech to refinance my mortgage loan and have my late fees waived. I have no desire to refinance and I just realized that in XXXX XXXX, DiTech applied by full monthly mortgage payment to late fees, when I requested online that the full payment go to principal, interest and escrow. Now my escrow is out of balance for payments and I did not authorize my monthly mortgage payment to go to late fees, especially since, these late fees have been assessed incorrectly since XXXX based on inaccurate information at that time and Green Tree Servicing would not provide assistance to resolve. This whole situation has been unfair and working with Green Tree Servicing has been a nightmare with my efforts of contacting them to resolve and getting the run around and the calls regarding delinquency when I was n't were very unnerving. I have been patient long enough. The applying of my monthly mortgage payment to late fees without my authorization is unfair and abusive.
There are 4 accounts on my credit report they are not mind.
Someone must have used my information.
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus
This debt has just a few days ago on my XXXX  credit report after it had been deleted after I disputed the debt via a FDCPA letter. This debt is not mine and I was not given any notice that this debt would be put on my report. This is copy of the letter and return receipt from XX/XX/2016.
Filed a complaint with Experian about some unknown accounts on my report and I asked to see some verifiable proof ( an original consumer contract with my signature on it ) about those accounts. They just simply updated those accounts as verified and never sent me this verified proof that I asked and sent a letter stating that the XXXX account would not be re-investigated again.I also noticed a XXXX inquiry on my report and I never applied for any XXXX card before.
On XX/XX/2016 I received notification " Chase Card '' performed a hardpull of my credit report. I did not authorize this and I have no idea what its related to.
I am filling a complaint false information being reported on my credit report that dont belong to me these items are being reported twice on my credit report I never been here false information
I applied for Loan Modification due to financial hard ship in XXXX 2016. And submitted all he required documents, ( again again they are asking me pay stubs and bank statements which I upload on there web site and mail them at least 20 times ( I documented ). Every once in a month I got call from my case assigned your application in process, Till noe never received any positive response. 
Thanks XXXX
On   XXXX     Th e Chase Fraud  team contacted me via email to advise there was a known fraud company had attempted to charge my card  XXXX  and the same day another  XXXX  was declined on my card. Thus due to the email I called in to advise I had not bought anything from that company and it had been a pop up ad i had closed out.     On   XXXX   anothe r Chase Fraud Alert  had advised me that a charge for  XXXX  from this know fraud company had been approved and the same day a second charge from the same company was attempting payment for  XXXX , where again I had called the Fraud department and again was disputing these charges. where the Fraud team recommended that I cancel my card and have new ones issued to stop the fraud charges, I also needed to contact the merchant for which I did with the numbers provided by  Chase Fraud  Department the same day.     On   XXXX   I again called The Fraud team to advise that merchant was contacted and they were canceling and refunding and received a claim number to watch my account.   on  X/XX/17    The Fraud protection Team issued a temporary credit in the amount of  XXXX  while Chase reviewed what information they had and I was not asked to provide my emails during these investigations.     On  X/X/2017    I finally received notice from the merchant via email that my Order from them was cancelled, for which the company had now waite d two   full months after initial contact to cancel due to not receiving  merchandise nor agreeing to the purchase.     On   XXXX     Chase reversed the credit of  XXXX  siding with this company based on information from the company. The same company they had first contacted me about as being a fraud. With this they over drafted my account and never once asked for any information or documentation i had proving this company was scamming individuals all over the country as they had first alerted me to in the beginning. Furthermore, Chase failed to inform me before they removed the money from my account.     Also, Chase has conflicting and multiple claim numbers for this same dispute, with  XXXX  on  XXXX   XXXX  being  XXXX  and on  XXXX   XXXX  my account does n't reflect that case number.