WillisBack/dataset-financial-user-claim huggingface dataset:
today, XX/XX/2018 Attempted to get my yearly credit reports from XXXX, Equifax, and XXXX on XXXX. No problem with XXXX but the other two refused saying insufficient info was given when they received the same info as XXXX. This is what I got from XXXX which is similar to which I got from Equifax : " Sorry, we are unable to verify your identity This is usually because your information has recently changed, you don't have enough credit history, or the information was entered incorrectly. If you believe you entered your information, incorrectly, click here to try again. '' However, the same identity information was given through the website ( XXXX ) to XXXX   which was accepted by XXXX, The other two, XXXX and Equafax asked further questions regarding matters that they claimed to be in my file. My answers to those questions apparently was wrong, Which means THERE MUST BE MATTERS IN MY FILE IN THOSE AGENCIES THAT I AM NOT AWARE OF! THAT IS THE EXACT REASON I SHOULD SEE MY FILE! 

Also, when I went on XXXX 's website to freeze my report all went well and it froze my report. 

The other received the same information on their websites and on the phone and again refused saying I did not give sufficient info to ID me, info that appeared on the respective reports, info which I am not aware of. This is not info regarding my identification, etc., which is the same info that XXXX   received. The telephone reps even knew my ID info from my telephone #. Each asked questions regarding debt, notes and vehicle purchases which do not appear on the XXXX   report and which I am not aware of, in order to be assured that I am who I am. THIS IS CRAZY! It puts the cart before the horse. 

IT WOULD SEEM THESE TWO AGENCIES ARE JUST PUTTING ROADBLOCKS UP TO DELAY OR CAUSE ME SO MUCH WORK THAT IT IS NOT WORTH THE TIME TO PURSUE MY RIGHT TO GET MY REPORT AND/OR FREEZE MY ACCOUNT! 

XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( My address since XXXX ), XXXX XXXX XXXX ( A telephone number for about the same amount of time. )
I consolidated a parent plus loan and a personal student loan on XX/XX/XXXX. I filed to pay by PSLF. Since that time I have made exactly 24 payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also happen to be in school currently. Twice this loan was placed in deferment without my request - it was done automatically because they saw I was in school. Both times I called and said I do NOT want it in deferment, as I am XXXX, and want/need it paid by age XXXX. It took them forever to mail the document for me to sign a waiver. I immediately faxed back both times. It took forever to take the deferment off both times. I called multiple times and was told BY XXXX XXXX XXXX   that I may continue to make my payment. It would still count toward my PSLF. I did that. There should be some sort of records that I called. According to them, I have made 12 payments. I requested a review on XX/XX/XXXX. Said it was correct. Requested a review on XX/XX/XXXX. I have called. As of XX/XX/XXXX I was told it may take 6 months, and " ma'am I need to be patient ''. I still haven't heard anything back and it has been 6 months. I am not trying to get out of paying this loan. I just need the payments I have made to count toward my 10 years!!!!!!! I did just what THEY told me to do!!!! I would have NEVER EVER EVER made those huge payments if I had thought they would not count toward my PSLF. Someone THERE told me they would count. I can not get anyone to listen. These payments are more than my house payment. I am single with a child at home with no other support. All I am asking is that my payments be counted toward PSLF as I was told. I certainly did not pay an entire extra year 's worth of payments to not go towards anything. I can not get anyone to listen. I have called, I have filled out requests, I have tried email and no one responds. Please please help me to at least get these payments to not be looked at as " overpayments '' as they are saying. ( when I owed XXXX for those months and I paid, they are saying I overpaid, and overpayment doesn't count toward PSLF ). Please please help with this.
I reviewed my credit report and noticed my credit was pulled by XXXX. I never used this company for any services or applied for a loan with this company.
This is a debt from HSN, bought by XXXX. They NEVER contacted me in writing about buying this debt. The first contact from XXXX was when I was served with legal papers about the debt. I have never received a bill or letter stating they bought the debt.
On or about XXXX XXXX, 2016 a Complaint was filed against BB & T with Case # XXXX. 
As of today my requests were either delayed, denied and or flat our ignored. There is still a total of XXXX deposits that are " MISSING '' from the account in question. The Deposits total an amount of {$2100.00} and was given to the bank or about XXXX XXXX. As of today the money is still not available and not showing in account, even though Banking Institution have the funds. This banks continues to inflate and or " COOK '' the books. Where is the stolen and or Lost funds?
I filled out a car loan app at XXXX XXXX, they keep saying they have not received a response from GM Financial but I keep getting multiple inquiries on my credit profile. This is not fair inquiries account for 10 % of credit and having a lot of them is a reason for denial while trying to get a loan. They are hurting me financially and Im a mother of XXXX children.
Apparemtly I have XXXX Tax liens on my credit report that should not be there. The Tax lien 's do not specify what they are for. I did own and sell a property located at XXXX XXXX XXXX, Idaho XXXX under a short sale contract. This would be the only thing I could think these tax lien 's are for. However I sold that property and all late house payments and taxes due were caught up and paid from the final sale of the above said property.
On XX/XX/2016, at XXXX, I went to an outside ATM machine at BMO Harris Bank, XXXX, IL., to withdraw {$640.00} from my XXXX card. However, the ATM never dispensed the money, money never came out, though it gave me a receipt as if it had given me money. The next day I went back to the bank to speak with the bank Mgr. ; he told me that BMO do n't manage the ATM 's outside, though they have BMO 's name on them. So I contacted XXXX to open a claim. On XX/XX/2016 I got an email from XXXX informing me that the 3rd party vendor who manages the outside ATM 's at that location submitted documents that indicate the ATM 's showed no surplus. But regardless, the machine never gave me money that night, and I 'm very confident the bank 's and ATM 's cameras ( which I 'm quite sure they are equipped with ) will reflect this.
American Education Services h as already reported me 30 days late, and I just received another threatening e-mail from them that they are going to report me 2 months late! I am in an approved forbearance. I just had to send them a payment of {$760.00} so that they hopefully not report me late when I am in an approved forbearance. I have already filed a complaint to have th e 30-day late removed. If they report me 60 days late, then I will have to fight to get the 60-day late removed when I am in a FORBEARANCE.   <P/> They approve forbearances, then they send me bills while I am in forbearance and they charge me late fees. I have attached many bills from them where I am clearly in a forbearance but they are still sending me bills and charging me late fees. I had 12 months of forbearance available to me in    XXXX   XXXX   XXXX   and they   continuously make me apply over and over and over again, every 2 months, even though the application clearly states that they can grant you up to 12 months with  one a pplication. Then in the processing time periods between applications, they harass me for a payment until they " approve '' my next forbearance for all o f 2 or  3 months. Then I make payments, like I did in    XXXX   XXXX   XXXX  , and  then they will backdate the start date of the forbearance to begin on a month that I MADE A PAYMENT, and then suddenly I have less a nd less forbearance available. The proof is there in the paperwork. My poor dad was my co-signer on one of my loans and because of this company, his credit score  dropped when he has credit scores in the  XXXX  and has never missed a payment.  <P/> CFPB, please help me with removing this late payment from my credit report. I need to refinance these loans and get away from this company and I can not do that with the late payment on my credit report. Because of the late payment reporting, my  credit score h as dropped  XXXX  points for a loan that I do n't even owe payments on because I AM IN FORBEARANCE. Please help me, CFPB. Please!
My federal student loans through Sallie Mae were being serviced through Navient in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed full time student with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XX/XX/XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by Navient that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XX/XX/XXXX in XX/XX/XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted Navient and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that Navient placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 Navient accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being Navient. Navient has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.
I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX Chase bank did another inquiry on my account. I have a new inquiry now on XXXX and XXXX. I really with this company leave me alone.
On  X/X/17   , I received a phone call from an  ATG Credit ( based  on whom was identified over the phone upon the call return ). I missed the call. I called the establishment to determine the purpose for the call. I spoke with an individual by the name of  XXXX . I provided my telephone number. I expressed to her my concerns that I have been scammed by people in the past and was not comfortable about providing my social security number over the phone and requested additional information to verify my identity other than my SSN and DOB. She was very belligerent and rude to me and left me feeling absolutely abused by her communication tactics. I tried to speak, she began to rant on and on and just hung up on me.  <P/> I attempted to resolve this by requesting to speak with a manager and she returned to the phone with the same hostile attitude, using very abusive tone, and again, hung up on me.  <P/> My concerns are valid given that I googled the number and it came up reported by others to be a scam, therefore I was not comfortable providing my information to a stranger, especially since they came off as disrespectful and condescending.  <P/> If it would be beneficial, I recorded all of the calls.
I submitted the co-signer release document to release co-signers from my private loa ns. I received two letters o f correspondence stating both of my requests were unable to be granted and my requests were denied. I meet all criteria. I called the customer service line to dispute and find out what steps I should take to provide supporting documents to release my co-signers. I was told there is n't a person, underwriting department, or any other department that I could talk to about how to dispute. I was told to send a letter to dispute to a fax machine and someone may contact me.
I toyed to purchase cloth for my XXXX XXXX  veteran dad, on XX/XX/XXXX after 5 minutes found out the merchant in XXXX so I called to cancel it I was told the purchase wasnt processed but I was charged {$160.00} so I called again but no responses I also send an email but no sign of my funds so I called city bank and disputed the transaction I was told the fund will be refund in my account within 7 days, I disputed It on XXXX XXXX so I called city bank on XX/XX/XXXX and I was hold for one hour and 11 minutes and the supervisor put on hold again and I think they hung up and now I dont know what to do, please help
XXXX XXXX transferred my account to XXXX XXXX XXXX without notifying me via email that a transfer would take place. Neither XXXX XXXX nor XXXX XXXX XXXX provided me written documentation of the transfer or new payment plan to my current address and thus I was marked late by 30 days of payment. I spoke with XXXX XXXX XXXX and they admitted that many other borrowers had this problem, but XXXX XXXX XXXX stated that they could do nothing to rectify the reporting of the late payment to the credit bureau. I paid off the account in full when I discovered the issue.
XXXX XXXX XXXX XXXX Account Number XXXX account was never late XXXX, XXXX, XXXX or XXXX days or beyond.
I made payment arrangements on XXXX XXXX Calls started up on XXXX XXXX I returned one call to explain payment arrangements were made. Supposedly it was n't documented correctly and she fixed it. I received another call. She said she would make sure the number was removed and it would n't be a problem again. A third call was made- again the claim that it was not documented correctly. This is harassment. I owe less than {$260.00} and said I make the payments until the debt is settled.
Last XXXX I requested that accounts that do not belong incorrectly reported in XXXX, XXXX and XXXX be removed from my reports. To date, this situation has not been resolved, making it impossible to acquire credit
Essentially, Equifax lost my line of credit. My other creditors have no problem receiving and reporting my credit score. On XXXX XXXX I sent in my documents to equifax to verify identity. They took a tremendously slow time processing these papers. As recently as XX/XX/XXXX various members within Equifax said I did not send my papers and they could do nothing to help me. Through my roughly 50 phone calls, I have pieced together that Equifax lost my credit file and my attempts for my creditors to send my files via XXXX   have been thwarted because they do not have a file for the AUD numbers to be sent to. On XX/XX/2017 my Social Security number was used in relation to a different consumer. I obtained this through a separate credit agency and an internal error within equifax is the cause of the fat fingering. Despite numerous notifications that I am under contract with a property, Equifax has done almost nothing to rectify their error, thus potentially causing me to lose the property and hundreds of thousands in losses.
Today X/XX/2017 at XXXX Coast Professional Inc , called my place of employment. I am not sure what the agency is or why they called my place of employment. They asked several people where I was.
Experian Report # XXXX XX/XX/18 Experian has on my credit report XXXX XXXX as a debt owed and should not be showing on my credit report. 

attached is a copy that was file to the consumer financial protection bureau and a letter from XXXX XXXX as to the debt has been requested for removal and should not be showing
I've had two major issues arise from Navient 's mishandling of my loan 's forbearance paperwork. One is that they claim my account was not in forbearance for a two month period and do not have records of the paperwork. Two is that they put this on my credit report as a missed payment for each of my 5 loans for two months totaling 10 late payments on my report. Navient has refused to correct this when contacted and claims they are in the right. 

1. These late payments vary across the bureaus but on XXXX  it shows XXXX and XX/XX/2014 and on XXXX it shows XXXX and XX/XX/2014. This is all around the same time period Navient split from Salle Mae and in all likelihood mishandled my forbearance. 
2. The first late payment is listed as a 90-119 day late and the second is listed as a 120-149 day late. How is that possible if the proceeding months are listed as current? 

3. Navient applied a late payment to each of my loans separately showing a total of 10 missed payments across two actual missed payments which should not of been shown as missed in the first place. This has been detrimental to my credit report and prevented me from placing my own name on the mortgage of my own house due to high interest not to mention my car loans high interest as well. I verified this when I disputed these payments and the loans temporary came off increasing my credit by 80 points! Only to go back down once they were re-added to my credit report.
I was interested to finding out information about purchasing a home and sought to speak with a load specialist company, and was approached via XXXX by Certified Mortgage Planners. 

They misrepresented when my credit would be checked and how many times it would be checked. My credit had been pulled twice ( XXXX XXXX/XXXX/2016, then again on XXXX/XXXX/2016 ) despite the fact that I was told by them that it would only be pulled once after consenting. 

They misrepresented the role student debt would play in my application, first stating that my student loans were not a problem on XXXX/XXXX/2016 but then provided directly conflicting information, stating that they were a problem per our conversation on XXXX/XXXX/2016. 

They told me on XXXX/XXXX/2016 that I was no longer eligible to be pre-qualified for the discussed amount and that would need to wait 30 days in hopes for my credit score to go up to XXXX " so maybe we can work something out '', when their decision to pull my credit twice, the first time without my consent or authorization and in direct conflict with my directive, may have directly adverse consequences on the score. 

I then consulted directly with the Consumer Financial Protections Bureau, which guided me to inform the mortgage planning company and the credit company, Certified Credit Reporting, to have them correct and withdraw XXXX of the credit inquiries there were done on my credit. 

I contacted Certified Mortgage Planners with a formal request to correct and withdraw XXXX of the credit inquiries related to my inquiry into financing a home purchase via email on XXXX/XXXX/2016, never got a response back. 

Then I proceeded to contact the credit company, Certified Credit Reporting, to explain the situation and was given to a run around without a straight answer but to email ( sent on XXXX/XXXX/16 ) the manager, a XXXX XXXX, because she was the only one that could send out the paper to the credit bureaus in order to correct and withdraw both of the credit inquiries. She proceeded to contact me when I was unavailable, and when I called back the number she provided, then she was unavailable. 

As of today, XXXX/XXXX/2016, the has been no resolution and the credit inquiries are still showing in my credit reports.
I accessed my free credit reports ( XXXX, XXXX and transunion ) on XXXX. I received my report online from XXXX. XXXX always denies an online report and requires a mailed request and sends a mailed copy 30-90 days later. ( I am getting tired of this delay from them when I used this online service, but did not file a complaint ) My problem is that the TransUnion Website I was directed to stated it was unable to process my request and to come back later. Back at the XXXX site, it registered that I had received my free report for the year. Now I can not get my report, at least not for free. 

I send a complaint to XXXX re : TransUnion, but that was only an hour ago and I have not gotten a response yet. 

I feel these companies are making it difficult so that people who need their report right away will pay for it instead. Please help me get my free online credit report from TransUnion ( and if possible from XXXX also. ) Thank you, XXXX XXXX
XX/XX/XXXX i sent XXXX ETH to a smart contract. On coinbase the status of the order was completed " successfully ". Few day after i check XXXX website i discover my transaction failed. I contacted the owner of the smart contract, he explained to me we can't send money to a smart contract with coinbase but my money is some where in the systeme and i have to contact coinbase to update my account. 

XX/XX/XXXX i opened a case to inform then, i need my private key to unlock my money. 

XX/XX/XXXX i received a content that " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience '' Case # XXXX. 

Till today i have zero information about my case in the mean time i try to contact coinbase through tweeter but no response
XX/XX/XXXX filed a dispute on equifax credit report. And put a fraud alert with the 3 credit reporting agencies. XX/XX/XXXX called equifax trying to get an update about my dispute. I used the name that i been using for the last 12 years. They do not want to update my name saying my recent lenders sent them that name which us not true because the other 2 reporting agencies have my correct name. Equifax have the correct info. Will not give me the status if my dispute answred all the questions correct. I filed under the name i use. They put it under the name they have not updated saying its the lender. but the lender sent correct name to the other 2 credit reporting agencies
I was a victim of identity theft and filed all of the necessary paperwork including the police report. I sent the paperwork to the credit bureaus and they removed the item from my credit reports. Subsequently, a collection agency bought the debt and attempted to collect on it as well as placed it on all of my credit reports after it had already been removed. So, I sent them a letter with the documentation showing that this was an identity theft item and as per the law, they should not attempt to report or collect on it. Once again, I had to send the credit bureaus documentation for it to be removed. I have been successful at having the item removed from XXXX  and XXXX, but Equifax refuses to do so. This is a clear violation of the law and I need your assistance in having Equifax rectify this problem and remove the item from my report.
Collection agency XXXX XXXX XXXX XXXX XXXX firms XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX has attempted to collect a debt and has listed said debt from XXXX refuse in the amount of XXXX $ with all 3 credit reporting agencies. Original date of debt/delinquency is over 9 years old and is being illegally re-aged. I have repeatedly written trans union and their investigation shows the report as accurate it may be accurate that the agency received the account in 2016 but the refuse to state the original date of debt so that it can be taken off my credit report.