WillisBack/dataset-financial-user-claim huggingface dataset:
I have been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and XXXX and Experian is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these  investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.
This concerns the very recent Equifax breach. Using a tool on their site, they stated to me that they believe my information has been compromised and I fear that my SSN, date of birth, and other personal details are now essentially public information. I am disappointed and afraid that Equifax has lost my information to outside parties due to this breach.
I applied for a mortgage with Amerisave for a refinance of a condominium in XX/XX/XXXX. Because the condominium was in a new development, I had been unable to get a 30 year fixed loan with other lenders as they said the project had to be completed first. I had used Amerisave before, so I called the loan officer who had done my other loans and mentioned that I was unable to get a loan on this particular condo until the remaining units were completed. He told me that Amerisave could do the refinance, a 30 year fixed rate loan. I told him that I did not want them to run the credit check and the appraisal unless I was assured that Amerisave could do this particular loan -- a 3.75 % 30 year fixed loan with no points -- on a condo development that was not completed ( although my condo had closed in XX/XX/XXXX ). XXXX XXXX, the loan officer, assured me repeatedly that Amerisave could do this loan. He also assured me that since we had just completed a refinance on my other condominium that he knew I was personally well qualified for both loans. With this assurance, they ran my credit ( which was excellent ) and I paid the {$450.00} for the appraisal. The appraisal came back within a week, and the value of the property was much higher than we expected. The condo appraised at {$1000000.00} and the loan was only for {$560000.00} -- a much better loan to value percentage than when I originally applied. For the next four and a half months, I produced every document requested the same day. I complied with every single document request immediately. The 60 day lock on the loan expired on XXXX XXXX, and leading up to that I continued to inquire why the loan had not been approved and why we were not going to closing. They either would not respond to me, or would request yet another document. I was repeatedly assured that the loan would be approved, they were just swamped. By XXXX I was calling them almost daily to figure out what the problem was. I went to XXXX supervisor, his supervisor 's supervisor, all to no avail, until one day in mid XXXX I was told by his supervisor that Amerisave would never make a loan on a condo development that was not completed and had not yet been approved by XXXX. I told her that this was precisely the threshold question I asked XXXX XXXX before I agreed to pay for the appraisal and go through months of agonizing document production. She told me he never should have told me that and that they would refund my appraisal. I asked her in mid XXXX to process the refund. she then stopped taking my calls/emails. I then reached XXXX XXXX by calling from a different number, and he said I would have my appraisal fee refunded " within a week. '' that was almost a month ago. XXXX XXXX now will not answer my calls, return my calls, or respond to my emails.
Experian investigated the bankruptcy on my credit report but did not provided information on how they verified this debt. They have not provided he source and I know what do to other issues on my report I have frozen my lexis Nexis report. I do n't believe they actually researched this item. I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from Experian verified anything in regards to my credit file & that my XXXX XXXX file is been frozen. I also contacted the XXXX XXXX XXXX on the same day & was also told that NO ONE from Experian verified any type of bankruptcy. I can provide documentation show I have a closed XXXX XXXX account if needed. But I would like this credit agency to provide proof as well. Rest assured that if Experian does n't comply, I 'm fully prepared to move forward with a lawsuit that 's in accordance with the FCRA & other laws.
On XX/XX/XXXX, my mortgage payment was deducted from my account and a check for {$890.00} was written to US BANK and sent to them. Apparently this check went to the wrong XXXX XXXX and the receiver was able to cash the check, which cleared my account on XX/XX/XXXX. 
I have been working with my online bill pay provider for the past few months trying to get this issue rectified. They have asked US BANK to sign a form stating they never received my payment. Without this form, my online bill pay provider can not release my funds back to me. US BANK has REFUSED to fill out the form. They have lied to us several times saying the form was mailed. It wasn't until TODAY ( XX/XX/XXXX ) a customer service manger got on the phone that we learned the head of  their Payments Received department refused to send the form back! 
So my money can not be returned and US Bank says our mortgage is in default. We need the money back to pay our mortgage and US Bank has been ABSOLUTELY UNPROFESSIONAL AND UNHELPFUL!
I 'm a victim of one of Equifax 's many computer glitches which has caused me to be denied credit and the inability to refinance my car through a company the uses the Equifax credit profile. My Fico score was XXXX on XX/XX/XXXX however on XX/XX/XXXX i pulled my credit report again because I was denied credit and it showed no score and a bankruptcy and collection was on it that was not mine and was previously disputed and removed by XXXX and Equifax and XXXX and Equifax showed me with no credit at all. They also added addresses that are not accurate and I demand they be removed immediately. My only address is what is the 1st one being reported in my XX/XX/XXXX report that is attached. FCRA law states bureaus must contact/inform consumer 5 days before an item is added back once disputed and removed. I called and made a complaint and dispute that Equifax wiped my credit clean and it was inaccuracies on the account but as of XX/XX/XXXX my credit report has not been updated to reflect the XX/XX/XXXX accurate profile information nor have they updated or included any new positive trade accounts and it 's now showing additional accounts that are not mine that was not on the XX/XX/XXXX account that was previously disputed back on the account with a current credit score of XXXX. This is in direct violation of so many FCRA laws and I ask for your assistance in correcting these drastic errors in Equifax 's reporting of my credit report due to another one of their computer glitches. This is causing much undue stress and duress in my life after and still dealing with being a victim of ID theft/fraud. I thank in advance for ensuring Equifax corrects my file immediately and correctly
Have applied for a refinance on a mortgage. got a GFE letter, had a closing date setup bank change the date for closing, stating more paper need to be signed and they send a paper work which had a higher interest rate. I have requested for an explanation on the rate change. waiting for the response.
A debt collector, Penncredit, continues to call my home telephone number regarding a debt that I do not own. They claim the debt is for my father, who has never lived at my home. I have stated that they have the wrong phone number and they continue to call my house all throughout the day, everyday.
I am writing to dispute the following information in my file. I recently received a copy of m y Credit repor ts. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible
Hard Credit Inquiries on my Equifax and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with XXXX XXXX on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met EQUIFAX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. Equifax and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX  and Equifax to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND EQUIFAX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX   AND EQUIFAX
I have tried to get the credit bureaus to remove the bankruptcy from my credit report. It is incorrect and XXXX has fixed it but XXXX and Experian refuse to remove it. They say the XXXX verified it but it is incorrect. I want them to do research and see that is incorrect and remove it from my credit report. I have attached a copy of the letter from XXXX  saying that it is no longer on my report because it is incorrect. They have also tagged my wife and XXXX  can see that hers is incorrect as well.
I have a closed auto loan account with XXXX XXXX that I paid off in XX/XX/XXXX. It was reporting to Transunion, XXXX, and XXXX  for its entire tenure. For some unknown reason, it stopped reporting on my Transunion report. I contacted Transunion for them to put it back on my report. I've sent in documents from XXXX XXXX numerous times to Transunion and had XXXX XXXX to verify to me that they had been reporting the account as an auto loan to all 3 major bureaus the entire tenure of the loan. They have also sent paperwork to Transunion documenting the account.The loan still shows on XXXX and XXXX, but not Transunion. Myself, along with XXXX XXXX, have been asking Transunion to update my credit file with my XXXX XXXX account. But they have refused to do it. I need this account to reflect on my credit report to prove to banks that I have made a major purchase before and increase my buying power. Please assist me in getting my information updated with Transunion because my efforts are not considered. The account number is XXXX. The car was a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MS .
XXXX XXXX XXXX has reported 4 late payment on my account in XX/XX/2016 and I never had a late payment with company this information is being reported wrong on my credit report file
Received XXXX phone calls within XXXX week from the following number XXXX and XXXX. Message simply was a debt collection agency following up on collecting a debt. End recording ... 

I do not know what it is all about since we do not have any financial arrears? 

Do not know if this is a scam either?
Bank of America claims they will no longer respond to and corespondents reguarding this account issue, by law they are required to respond accordingly or they are guilty in aiding the identity thief that opened this account, and technically you have been aiding this thief. First, I was represented by XXXX XXXX XXXX who practices in XXXX. Second, Bank of America knowingly provided a false address reguarding myself and that is against the law. Third, Bank of America claims they filled a XXXX, not only is it against the law to file a XXXX for an account that was a result of identity theft but there is a court case that has said that it is not right to force someone to pay taxes on miscellaneous income and expect them to pay you back, and you are actively trying to collect this by holding my credit hostage with this fradulent account. Lastly, I have received information from Bank of America directly that shows that an account attached to this one has my wife 's maiden name on it over a year after we were legally married and her name was changed on every account she had, I must say that it was a nice try sending the records up until our marriage month but thanks to your associates, I was able to get the records for a year after that. I will easily bring a written statement from XXXX XXXX stating that he represented me in the XXXX case and where he is located as well as the account records that show the wrong name on this account. I also want all the recordings from XX/XX/XXXX where I called Bank of America, if they are brave enough to send all of them, there is proof that they have said so many lies and then changed all the account information to fit their story, like how I was told that an account was closed in XX/XX/XXXX with a name that changed 2 years prior, that they also had a lawyer on this account that I have never met or talked too, an address I have never heard of, and with all these errors Bank of America still refuses to remove this account. I am done sending you documents, I am done being nice. I will present all this to a judge and will cheer when he rules in my favor.
The loan servicer is Nelnet. As a borrower, I request repayment plans through the XXXX website, which is sent to the servicer. I request this in order to have a loan summary document that I can print out for a mortgage application. However, Nelnet has a very non transparent and long process to calculate a monthly payment based on the information that I submitted. It takes too much time and as a consumer it is hurting my prospects on owning a home since mortgage applications and home purchase are time sensitive applications. I have been informed that they have been several complaints lodged against Nelnet and another company XXXX. They are not serving the consumer.
I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on XXXX/XXXX/XXXX and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.
Capital Accounts - XXXX XXXX XXXX, XXXX TN XXXX Account # XXXX XXXX XXXX XXXX. 
I have informed the above collection agency from day one that they called me that, I did not owe the above the said money, without checking or verifying information from their clients they report the inaccurate information to the credit bureaus. Their action has caused an irrefutable harm to my credit score and diminished my ability to refinance my mortgage.
I have been a holder of a XXXX store card over last XXXX years and always a great payer. Recently, I unfortunately had return payments from my bank for XXXX setup, but abruptly called Synchrony Bank to apologize and explain root cause. Pleaded with customer service representative for company not to close my account, which they replied, it 's not their decision. XXXX weeks after that call, letter arrived advising account has been closed, due to XXXX returned payments, which out of XXXX years of successful payments seems a policy, which makes no sense. I can understand if account was recently opened and such issues occurred, but for established good standing accounts, it is really not a logical decision making process and does n't represent how events in life happen unexpectedly. 

My complaint is that, nobody can predict unexpected situations that may lead to a returned payment and number of years a customer has been a good Auto-Payment customer should be included in such as decision making process. 

Kind Regards
I am absolutely disgusted with American Express, and they should be absolutely ashamed with themselves. 

I applied for a card for the sole purpose of balance transferring. On the website, there is no area to indicate how much of a balance transfer limit is needed. I was " approved '' for {$1500.00}, which is {$6500.00} less than what I needed. 

I contacted the " customer care '' department and after waiting 25 minutes to speak to someone in a US based call center, the woman was rude and abusive. She said that I had to wait for the card to come before requesting a balance transfer increase. I then asked why I was hearing a " beeping '' in the phone, and she stated that I was being recorded. I then said that I will turn on my recording device on my phone ( as is legal under Utah state law ). The woman became even more abusive saying I had no right to record, yet she had a right to record me. The woman hung up the phone. 

I called back yet again and waited 15 minutes to be transferred to a US call center. The agent there said that as soon as the card arrived, it would take " a few minutes '' to do the balance transfer limit increase. I waited for 13 days with no card arriving. Finally, I demanded a new card be overnighted, to which it was. I finally called back and gave the " supervisor ' my card number, who then told me it would take an additional 2 weeks to get an approval back on the balance transfer request. 

I said that this kind of behavior is atrocious and how dare they treat clients this way. I asked to have the balance request cancelled. I then received an email stating my card and account was closed, an action not authorized or approved by me.
XXXX XXXX for XXXX XXXX  is alleging a line of credit for XXXX dollars. The contract does not bear my signature and contains incorrect banking iformation. It is an unauthorised loan that was created to scam me after paying a payday loan
I represent the seller and am her co-listing agent along with XXXX XXXX at XXXX XXXX. We were able to submit a bonafide offer to Wells Fargo and complete the required documentation for a short sale review within 30 days of submitting the offer. 
Then the bank proceeded to state that there were internal issues with the Banks ability to processed the short sale in a timely manner. The bank continued to request information and sometimes even odd requests, like " What is the property address? '' requesting me to send them county records of the address? This continued for well over 6 months, when finally we got an approval letter. Unfortunately the buyer decided to not purchase the home since values were decreasing across the the county and found another property to purchase. We were able to get a new buyer, offer submitted to the bank within 1 business day of the file being removed and could have done it sooner but the closer asked me to wait to submit the new offer so the file could be properly closed out and ready for a new short sale offer to review. 
The real issue is that Wells Fargo told me that the Statue of  Limitations will run out by the XX/XX/XXXXand we wont be able to do a short sale after that date. I have been submitting all the proper documentation and have asked for a variance to extend the " kill date '' since Wells Fargo ate up so many months of having a buyer on board to close. We can close in the next 2 weeks, but cant do anything without a new approval letter and an extension granted to allow the time to get the new approval letter.
I filed a complaint against the credit bureaus, XX/XX/2018, requesting they validate the debt shown as collections on my credit reports. They send correspondence of the dispute to the creditors, and today I have not received the documentations bearing my signature on the original contract to the debt. I am not aware of this company as a duplicate debtor on my credit report and request validation.
We were asked to send a wire transfer to pay some freight charges. We made the transaction at the bank. About one hour later we received a call from the bank stating the transaction had the characteristics of a fraudulent one.I asked the officer from the bank to cancel it. He told me it will cost {$20.00} and we respond to go ahead and cancel it. This transaction was for {$10000.00}. It was made on XX/XX/2018.We filed a claim but they just gave us a brochure with recommendations to made if we thought we were a fraud victim.
Key Bank National, XXXX XXXX, Or XXXX. Will not close out my father and mothers checking account. my sister was also on the account as a signer. All XXXX family members have passed, my father XX/XX/XXXX ( this death certificate should already be on file ). My Mother passed in XX/XX/XXXX and my sister passed away XX/XX/XXXX. She failed to close the account when she was moving all the house and other necessary things to do upon someones passing. I have sent this bank certified mail XX/XX/XXXX regarding the checking account still open. The information was XXXX death certificates their ID 's, my ID, a noterized copy of my signature and an affidavit. I live out of state and do not have the luxury to walk into the branch and do this in person where it would take less documentation then the have in their hands now. Since XX/XX/XXXX, I have been speaking to whom I think is the head teller and have spoken to the Branch Manager. Between the XXXX of them I have no further results XX/XX/XXXX. On my behalf I have also spoke to XXXX people from Key Bank Headquarters. They promised to help, I received no further phone calls as promised. Yesterday I get a text, from the Branch Manager, that he has know made a few calls to attorney 's and when he here 's back from them, he will contact me. I know have to wait while they consult an attorney. Give me a brake, where is Key Banks Protocol Manuel??
I check my pnc XXXX XXXX checking account on XX/XX/2018, then I found out there are 2 of XXXX dollar unauthorized ach transfer from my account to a unheard of ( XXXX  XXXX company which I found out from the pnc representative ). And I call the XXXX XXXX company it was XXXX XXXX phone number and no one answers, obviously it is a fraud. Now, pnc doesn't want to take responsible for it, and tell me to wait 10 business dates for the dispute. When I call again on XX/XX/2018, pnc trys to tell me any corporation ach transfer has to report with 24 hrs in order to dispute. This is so XXXX, my hard earning money of XXXX just disappeared.