WillisBack/dataset-financial-user-claim huggingface dataset:
There are several issues 1. I could n't get my free credit report because I do n't have Social Security Number. 

2. I 'm keep receiving " prescreened '' offers from lots of companies and I want to stop receiving " prescreened '' offers of credit from companies for 5 years but could n't do that because I do n't have Social Security Number. 

3. The name on prescreened offers is slightly different from my name. I guess the information in the credit report is wrong but I ca n't check it because I could n't get my credit report. 

4. I received a phone-call from a debt collector that I have a bad debt which I do n't know. 

The information that federated law ( debt collector ) told me : I have a bad debt for consumer credit card from XXXX which I did n't pay since XXXX. 

Fact : I entered XXXX at XXXX. Before XXXX, for XXXX years, I 've never lived in XXXX. So I did n't and could n't have XXXX credit card. I also checked from XXXX that there is no such record that I owned account before XXXX in XXXX. 

I appealed this to the debt collector and they sent me a letter and ID theft affidavit. The name on the envelope and the letter were same as prescreened offers, which is slightly different from mine. I doubt the " debt collector '' might be scam but the name on the envelope gives me a sense that my credit report might be wrong. 

5. For the reason I described above, I want to place a fraud alert on my credit report but I could n't because I do n't have Social Security Number.
The firm of XXXX Arnold Harris not only filed this garnishment with false information, they knew my correct address at the time of filing but chose not to inform me so I could dispute the claim. They have a document that does not add up to the amount the received. The court document shows a judgement of {$1800.00} plus their fee of {$840.00} for a total of {$3600.00}. I 'm sorry but where I went to school that only adds up to {$2600.00}. Then not only did they over collect for that amount they received an extra {$95.00} over the {$3600.00}. I have given them plenty of time for them to refund all of the overages but as I figured their dishonest approach to collections also includes theft. I have read a lot of the complaints of this company and wonder why they are still in business. I thought these underhanded thug like tactics were against the law and why the CFPB was created. this company has violated every collection policy they can and should be held responsible.
I have a credit freeze on my accounts with all three credit reporting agencies. I lifted my freeze with Equifax on XXXX XXXX through XXXX XXXX to allow my credit union to verify my credit for a car loan. I have made an offer on a vehicle so this issue is time-sensitive. 

I applied for a car loan with the same credit union in XXXX 2014 and the loan officer was able to access my credit info with Equifax so I could get a loan. Now, a year later, Equifax is refusing to allow access to my lender. 

After I lifted my credit on XXXX XXXX, my lender ( XXXX XXXX XXXX XXXX ) tried repeatedly to verify my ( excellent ) credit history. The credit union was given the automated message that the credit was frozen, EVEN THOUGH Equifax had charged my {$3.00} on my XXXX XXXX card to lift the freeze AND I got a message ( when I tried to repeat the lift ) that there a temporary credit lift was already in place. When I called " customer service, '' I was told that the reason the credit union could not verify the credit was that Equifax did n't have a birth date on my file. I am XXXX-years old and have a LENGTHY credit history. Equifax provided my credit history to this same lender ONE YEAR AGO. Now they refuse to give out the info, while still charging my {$3.00} and telling me that me freeze has been lifted. 

When I spoke to the Equifax customer service rep on Friday, XXXX XXXX, she insisted on charged me an ADDITIONAL {$3.00} to extend the lift on my credit freeze until XXXX XXXX even though it was their fault that my lender could not verify my information. She also told me that my credit union needs to send my birthdate to Equifax as part of the transmittal about the status of my current loan. 

Although the customer service rep verified my identity, she refused to let me give her my birthdate information. I understand that they ca n't accept info over the phone, but I think Equifax should have already this info had since my birthdate has been on every credit application I have ever completed and I have many, many items on my credit history. 

I have informed the loan officer at XXXX XXXX XXXX, but I am dubious that Equifax will cooperate given their lack of customer service on the phone with me. 

Summary of next steps : I need Equifax to allow the loan officer from XXXX XXXX XXXX XXXX to verify my credit ( as Equifax did in XXXX 2014 ) so I can proceed with the car loan. If I need to, I can then mail documentation about my birth date to Equifax at my leisure after the loan has been completed.
Account showing {$0.00} after a system glitch. I have spoke with XXXX representatives that claim the problem is being handled. It has yet to be resolved. I have a direct deposit that will hit tomorrow. There is no way to suspend the transaction. Rushcard is not giving me answers as to if I will have access to my money. Also you have to call XXXX times before someone answers. You call the number and it just continues to hang up. There are a lot of issues.
I contacted Wells Fargo after sending in my hardship and financial paperwork and there were a few items they requested on XX/XX/18, I returned those documents on XX/XX/18 and they confirmed they were received on XX/XX/18 but they scheduled a sale date on XX/XX/18 for XX/XX/18 and said they because they received the documents less than 37 days before the sale date they can not help me and I need to reinstate if I want to keep my home.
I have an account with Green Tree/Ditech. I 've been paying this mortgage for 17 years. In XXXX 2015 I received a check from GT/Ditech. The statement read the amount was not enough to reinstall the loan. They accused me of missing a payment. A payment was n't missed. I have carbon copies of all my checks I 've sent them. I have continued to make payments & return all the checks they have sent me. GT/Ditech are charging me outrageous fees & legal fees. They have even hired an attorney to take me to court. This company has caused me so much grief & pain over craziness. They need to be stopped. My payments are {$490.00} a month. GT/Ditech is stating I owe them over {$6000.00}.
I have sent 4 dispute letters over the course of 5 months to Experian disputing items on my credit report that is inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 



ACCOUNTS XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
I had a security lock removed from Experian. I have a letter from Experian that permanently removes the security freeze. I recently applied for credit and was told that Experian once again has a security freeze that will not allow any creditors to check my credit. An Experian Rep. stated that I put another security freeze only account. This is absolutely not true. I would never, ever put a freeze on my account again. Experian refuses to remove the freeze immediately. This is going to cause problems with a company that is trying to check my credit now. I hate Experian.
I was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, therefore, I could n't be the one to incur charges under the Capital One account. I am a victim of Identity Theft. Please remove these charges on my credit report. Thank you.
Received email this morning from Title Max, Inc. Stated that I owed $ XXXX reads that I must pay this amount by end of business day today or set up payment arrangements.If I do not do this, they threaten to start legal proceedings against me, docket number XXXX and inform my employer and credit bureau. They state failure to do these steps will result in the next step, Legal Proceedings. They will start legal action. " Let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. ". I repeat I did not borrow any money with Title Max, Inc ever. There have been threatening phone calls several times a day, including early morning and late in the evening.
I was denied a loan by Wells Fargo, they said they would reimburse my {$520.00} Appraisal fee I paid, since they did not conduct XXXX, and instead conducted a " Rapid Appraisal. '' They only reimbursed me {$430.00}, saying " {$25.00} ( XXXX XXXX ) {$55.00} ( Property Condition Report ) {$15.00} ( Credit Report ) which = {$95.00} Total collected {$520.00} charged for {$95.00} = {$430.00} what you were owed back. '' I could understand charging me a credit report fee, but a rapid value fee and XXXX XXXX report which was never even conducted and given to me? They never came to look at the house! 

Please advise ... thank you.
Was a victim of Trans Unions Inquiry Issue and now have inquiries on my report that do not belong, customer service would not take care of it. The following inquiries should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
I had a mortgage with XXXX XXXX XXXX that was refinanced with XXXX and closed in XXXX 2016. The loan has since been transferred to Seneca Mortgage Services from a letter that XXXX has sent to me. I have not heard anything from current mortgage company Seneca. No statements, welcome letters, calls or any contact whatsoever. I have also tried to contact Seneca 's customer service but it 's all automated and ca n't get to a live person. It asks for a loan number but the loan number I was provided by XXXX says it 's not valid on both their phone and web access. I do n't know what to do at this point since I ca n't even pay a mortgage I 've never received a statement on.
CMRE Financial Services sent me a letter stating that I would be sent to collections for debts owed to XXXX XXXX XXXX XXXX. 

I would like to say that I have NEVER been late on any payments EVER. I never received notice from XXXX XXXX XXXX XXXX ; had I, any properly owed debts would have been paid. 

I paid CMRE Financial Services twice for similar debts they claimed I had. I'm not sure how they have collected my information over time, but they are definitely scamming me into paying them so that I don't get sent to collections. XXXX XXXX XXXX XXXX claims not to know about these debts.
M.A.R.S. Inc. has been persistently attempting to contact me at my work. They have sent faxes with personal information to an open fax at our office that could have been, and was, picked up by another employee. The letter is a request to garnish pay when no court order has been given, no court date has happened, and no judgement has been made. They have called multiple times, including twice today. The second time they attempted to call another employee answered and informed them the manager was not available and that I could not accept personal calls such as this. The woman calling then informed the other employee that she was collecting on a court ordered garnishment for me ( using my first and last name ) and proceeded to talk to her in an abrasive tone and incredibly unprofessional manner. The employee told her that it was nothing she had involvement in and that she would need to find other means of contact, as this was a business phone and this matter is not business related. 
This harassment is unacceptable and has on multiple occasions, caused issues in my workplace. I have the original copy of the fax that was sent, and now another employee that is aware that M.A.R.S. Inc is trying to contact me and garnish my wages over a debt that I am still uncertain of. They have not specified who they represent or to whom I am in debt to. The calls began on XX/XX/XXXX to my knowledge. XX/XX/XXXX they attempted two calls, XX/XX/XXXX a fax, XX/XX/XXXX attempted once, and today XX/XX/XXXX, have attempted twice. I had been unavailable the times they have called, however the employees that have answered have all been made aware of this situation that not even I am certain of.
Recieved a XXXX XXXX card in the mail today in my name. The only phone numbers provided by the company - XXXX is an automated system that hangs up on you unless you provide a card number or SSN. I am not providing either to a company that is sending me finical accounts that I did not ask for. 

I have no way to contact them to see what this card is about, why, who, or when it was requested. 

I am not sure if they are planing to charge me the monthlyyearly fees associated with this card, as they are hiding behind an automated phone system. 

Associated names : XXXX XXXX XXXX XXXX Netspend XXXX XXXX XXXX XXXX
I have concern that the credit score reported by all three credit bureaus has improperly decreased.

We recently started a refinance process with XXXX XXXX. When they pulled two of our credit scores XX/XX/XXXX XXXX  and Transunion rated my credit score as excellent to great ( above 760 ponts ). When XXXX pulled the additional credit report/score from XXXX a week later my credit score dropped 49 points ( XXXX points ). This has caused XXXX to deny us a refinance program that has acceptable terms with a credit score of XXXX. XXXX did pull the credit report a total of two times ( one from each credit bureau in a two week period ). XXXX explained the reason the credit dropped so much is because we have 18 inquiries into our credit report. We do not account for 10 of the inquiries and need to dispute the inquiries and drop in credit score. Can you help?
I am filing a complaint to notify the XXXX that Fay Servicing is guilty of a Dual Tracking Violation in relation to my Loss Mitigation Application. After having submitted a completed Loss Mitigation Application and an Authorization to Release Information on XX/XX/XXXX, I received a letter from Fay Servicing dated XX/XX/XXXX acknowledging their receipt of my request to participate in the Deed-In-Lieu of Foreclosure Program. XXXX XXXX, my account XXXX, never once instructed me that I would need to have an interior home inspection as a part of this process. Nevertheless, after having a realtor call me to set up an inspection and being unable to reach XXXX XXXX by phone for over a week, I facilitated an interior XXXX   XXXX, which was completed on XX/XX/XXXX. A copy of that completed appraisal was then mailed to me by Fay Servicing. I subsequently assisted XXXX XXXX in assuring that the title to my home was clear by contacting a local attorney and my XXXX and emailing the requested information to XXXX XXXX. At this point XXXX XXXX assured me that I had provided everything I needed to provide and that the deed-in-lieu application was on track and in process. To my surprise, I then received a letter from XXXX, a Florida law firm, dated XX/XX/XXXX, stating that they had been employed by Fay Servicing to start foreclosure proceedings and that the foreclosure sale of my home was scheduled to be conducted on XX/XX/XXXX. When I called XXXX XXXX to ask him about this, I was unable to reach him, again for approximately XXXX week. When I was finally able to contact him on XX/XX/XXXX, he stated that the deed-in-lieu application was still being processed and that it had been submitted to " the investor '' for final approval. He then told me that I needed to send him an email stating that I would vacate my property before the date of the scheduled foreclosure sale, or the foreclosure would occur on XX/XX/XXXX regardless of where we were in the loss mitigation process. I complained that I had never been told by him that part of the deed-in-lieu application process was the requirement for me to make plans to immediately vacate my property. He said that yes, that was what I needed to do, so I sent the email he requested to him under duress. 
In a panic, I began researching your website and it became abundantly clear that Fay Servicing was guilty of a Dual Tracking violation, a practice that is specifically restricted under XXXX   rules. Fay Servicing moved forward with foreclosure while simultaneously working with me to avoid foreclosure. They started a foreclosure proceeding after I had already submitted a complete application for an alternative to foreclosure, and when that application was/is still pending review. Once again, Fay Servicing has " violated the XXXX servicing rules by ... illegally launch [ ing ] or mov [ ing ] forward with the foreclosure process while borrowers were actively seeking help to save their homes, the same violation for which they were issued a Consent Order and fined {$XXXX} XXXX as recently as XXXX of XXXX.
I am a victim of Identity Theft and asked for an Identity Theft Block under FCRA 605B and Transunion deleted the accounts but not the inquiries. They said the reason was that I did n't identity them properly, so I am doing so here so there is a record of it. 

Unauthorized inquiries : XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 If for any reason they have an excuse not to delete them, I DEMAND to see the following : Permissable Purpose ( Pursuant Section 609 FCRA ) Verbal or Written Authorization ( Pursuant Section 609 FCRA ) and their detailed procedure for investigation ( Pursuant 611 FCRA ) Thank you
Budget Control Svc  s (   XXXX    XXXX   ) has placed a derogatory collection on a working mother's- ( name withheld )  XXXX   XXXX  credit report in the amount of {$5100.00} for services they claim were rendered on her adult  XXXX   year old  daughter in  XXXX  of   XXXX  . (  4 1/5 years ago ) 1.  The working mother is not legally responsible for charges of her adult children. The work of inserting metal pins for implants can only be done on adults, not children.   2. She did not even take her daughter to that dentist nor did she fill out any paperwork.   3. The dentist  XXXX   XXXX  says performed the work no longer works there and says he was never paid by   XXXX   XXXX   for this work, currently lives in  XXXX  and knows nothing about this issue.    4.  The work in question was actually performed by a different  XXXX   XXXX  nearly 2 years later and we have a receipt.    5.  The Colorado statute of limitations has now passe d for Budget Control o r  XXXX   XXXX  to pursue legal remedies.    6. Budget Control  is now illegally harassing an innocent party with malice with no hope of resolving the matter.
I ATTENDED BROWN MACKIE COLLEGE IN XXXX ALABAMA FROM XXXX, FOR XXXX MONTHS, I WITHDREW IN XXXX OF XX/XX/XXXX I AM TRYING TO ENROLL IN ANOTHER INSTITUTION TO CONTINUE MY EDUCATION, BROWN MACKIE COLLEGE STILL HAS PENDING DISBURSEMENTS FOR ME WITHIN THE COD SYSTEM.I HAVE SPOKEN TO THE XXXX SEVERAL TIMES, AND SENT XXXX EMAILS, SHE RESPONDS TO ME THAT THERE IS NOTHING THAT SHE CAN DO ABOUT IT.
US Bank is making unfair charges ( fees ) to my account. 
I am being charged an overdraft fee for a pending transaction. There was a deposit made to my account to bring it positive before the pending transaction was complete and posted to my account. The date of the transaction shown on my statement is the date it was initiated, however it usually takes two to four days for that pending transaction to be completed. The money does not leave my account or the bank until it is completed and posted. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX are dates when this has occurred. I have been charged {$36.00} for each date totalling {$100.00} for overdrafts that never happened. 
I should not be charged an overdraft fee for a pending transaction until the money is gone from my bank account, resulting in a negative balance ( not a pending negative balance ). 
I believe that they are processing debits to my account prior to the deposits causing the " available balance '' to be negative. Their computer system then automatically generates an overdraft fee charge to the account even though the actual balance remains positive. 
People used to write checks before they had money in the account, relying on the delay it takes for that check to be processed. US Bank is applying overdraft fees for the time that the transaction is still being processed but has not been completed.
Made an {$8800.00} cash payment to my Fifth Third Bank credit card on XX/XX/XXXX. Despite this payment being cash, a hold was placed on the account. I discovered this when attempting to use my card while on vacation in XXXX, Colorado. After discovering this, I spoke with a supervisor at Fifth Third 's customer service number who looked into the payment and removed the hold after discovering it was a cash payment. Days later, after attempting to use my card I discovered that a hold has been placed on my account again. I've called Fifth Third a half dozen times to get this hold removed and I've received excuses from the fraud the department that vary from they can't see what type of payment was made or that they can't release the hold due to policy. I don't understand ( 1 ) why the hold was placed on the payment in the first place, given that it was cash ( even if I have had payments returned in the past, they shouldn't be allowed place a hold on a cash payment given that there's no risk of the funds being returned or stopped ; or ( 2 ) why after the hold was lifted, they re-applied the hold.
Santander consumer USA..they 're a bunch of crooks. I 've been paying on my loan for over a year and my payoff amount is greater than car purchase price with XXXX down. And it cost me a XXXX dollar fee to pay my bill. It 's just crazy, is n't their a consumer protection law ... this company is extremely greedy and are making the poor poorer.
XX/XX/XXXX I refinanced my mortgage with Deven Muehle in XXXX, XXXX. I had homeowner 's insurance added in with the mortgage payment. In XXXX, the insurance lapsed but I reinstated it with another insurance company in XXXX. 

Doven Muehle put hazard insurance coverage on the loan of {$75.00} monthly and have not removed it yet although I bought a new homeowner 's policy in XXXX and they were informed by my insurance agent at that time and I have written them twice in the last few months asking for a refund of the $ XXXX charged on the loan since XX/XX/XXXX. 

I have not heard anything from them about the insurance money that was due back to me since XXXX even though the insurance company and myself have both sent them copies of the current insurance coverage. 

Thank you in advance for getting my money back. Senseless to pay for two insurances on one loan!! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014, 60 days XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
my daughter received a credit card offer from capital one 23.74 % XXXX $ late fee she is a XXXX XXXX and has no income this is predatory..take her off your list where did you get her name and info?