WillisBack/dataset-financial-user-claim huggingface dataset:
I was requesting the copies of my free credit report that I am to be able to access once every 12 months for free. I was able to obtain my XXXX and XXXX reports, but for some unknown reason, my Equifax credit report was not generated. This makes no sense to me since I was on XXXX and had provided the same information for all 3 reports. I was able to obtain two of them, why not three. I need the copy of my report to make sure that nothing is appearing on there that should n't be. I feel that a company may be trying to commit fraud on my credit report and you, Equifax, are hindering that.
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT : IT HAS BEEN GOING ON SINCEXX/XX/XXXX THATS OVER 1 1/2 YEARS. 

i filed yesterday a cfpb # XXXX and yet today i found another proof of what has taken place by the wells fargo bank. In my online account on credit card # XXXX They actually states that the account was created onXX/XX/XXXX I have attached the bank on line information and you already have the proof of signed letters from the executive office personnel this account was closed on XX/XX/XXXX and another lie that it was closed onXX/XX/XXXXand created over 50 transactions. i have tried to get statements dating back and they refused and not allowable. 

Attachments Scan2pdf.pdf ( 1 MB ) XXXX Account Profile.htm ( 24.5 KB ) Hide full complaint What product or service is your complaint about? 








PRODUCT OR SERVICEChecking or savings account TYPEChecking account What type of problem are you having? 






















Issue Managing an accountHave you already tried to fix this problem with the company? Yes What happened? 





They never bother to repond to the complaint I filed and I added the proved with the signatures as well. The complaint # is : XXXX all you need to do is pulled the attachements for the proof of all the lies the banks has created. I have filed two lawsuits with XXXX  that wa sprovided by wells fargo as well and denied the offer of {$2400.00} by mediations from the bank and even got {$500.00} check {$48.00} i filed yesterday a cfpb # XXXX and yet today i found another proof of what has taken place by the wells fargo bank. In my online account on credit card # XXXX They actually states that the account was created on XX/XX/XXXX I have attached the bank on line information and you already have the proof of signed letters from the executive office personnel this account was closed on XX/XX/XXXXand another lie that it was closed on XX/XX/XXXX and created over 50 transactions. i have tried to get statements dating back and they refused and not allowable.
My husband passed away    XXXX   XXXX  .  After I received letters of testamentary, I presented this document along with death certificate to payoff outstanding loan on the  coop ap artment that was in his name. I paid off the mortgage at the bank branch  Citibank  in  XXXX , New York on   XXXX   XXXX   XXXX   in the amount of {$73000.00}. I was told I would receive coop documents and stock certificate in the mail. I continued to receive mortgage statements from citibank, and when I called Citibank mortgage department at phone number  XXXX  in  XXXX  or  XXXX   ( un sure of date ) I was told that loan was not processed as paid and that they would take care of the situation. I received another mortgage statement in  XXXX , and I called  Citibank mortg age again on   XXXX   XXXX   XXXX     I asked to speak to a supervisor, and she told me that closing date would be    XXXX   XXXX   XXXX    and I would receive stock certifica te 2-3 da ys later via  XXXX . When I called to follow up on  XXXX   XXXX ,  XXXX  I cited the case number and was told no notes were made and no actions had been taken. I again asked to speak with a supervisor who told me that the closing date would now be  XXXX   XXXX ,  XXXX  and it would take 30 days  for county regist er to send the documents. The entire process has been confusing and unclear to me, and Citibank continues to give me a different answer each time I speak with someone.
I have a Auto loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
I have a residential mortgage with OCWEN, and apparently the are skipping months of reporting my over 5 years of on time payments. This is the same mortgage company that were reporting my information religiously monthly when my payments were late over 6 years ago. I have contacted OCWEN prior about reporting my on time payment to the credit bureau. I believe this practice is unfair to consumers.
For 6 months, since XX/XX/2017, I have been trying to recover funds ( ~ $ 20k ) in my Coinbase account because of lost access to a secondary account email address ( I still have access to my main account email ). I originally filed a support ticket in XX/XX/2017 and have followed up with the support call center 8-10 times since then. Coinbase has never followed up with me regarding the issue, and has never even responded to a single email from me ( I have been assured that the email address is monitored by staff ), and I am only ever able to receive feedback when I call the support call center, which I am told that I am in a queue and there is nothing further that the support team can do for me. I am desperate for progress on this issue and Coinbase seems unable or unwilling to help. Please help me in dealing with this company, I do not know what else to do. Thank you.
It has been 6 months and Experian Credit Bureau is still reporting  XXXX  unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than  30  minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved.   XXXX  Experian Report #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I have disputed several inaccuracies on my credit report. I have a asked for Debt to be validated and have not received proper validation.
I have an unfair negative factor towards my credit on my credit reports reported by CBE group. The information below for " Negative Factors of my credit '', indicates a collection agency CBE Group indicated in XXXX date filed or first reported and the date last reported was on XXXX as a negative factor towards my credit report. This is is false information and I 'm disputing it. 

The only payment dispute I had was in XXXX. Back then, I had discontinued a portion of my XXXX services that involves XXXX. I paid in full through XXXX for discontinuing the XXXX service XXXX that was offered through XXXX 's advertisement and payment through XXXX 's billing. XXXX came back to bully me for an additional {$250.00} to be paid to them while XXXX indicated as far as they were concerned I was paid in full. Prior to this, I had only had communication with XXXX for this TV satellite service and XXXX refused to correct XXXX. I then refused to additionally pay XXXX the {$250.00} and XXXX has haunted me since via various collection agencies attempts originated by them since XXXX. 

Now this new credit issue on my record ( see below ) indicates a new development in XXXX is absolutely false. If this new dispute of XXXX has originated by my past dispute with XXXX then it 's time for them to stop harassing me via by falsifying information as an attempt to lower my credit rating. I suspect there has to be a law that makes this criminal business practices or at the very least extreme negligence by XXXX whose joint venture with XXXX while both were acting as XXXX entity under XXXX advertising and billing. 

__________ ( info from credit report ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NEGATIVE FACTORS Your most recent collection account is 1 year and 3 months old. This only includes accounts from external ( third-party ) collection agencies. 
REFERENCE NUMBER INSTITUTION DATE FILED OR FIRST REPORTED COMMENT DATE LAST REPORTED XXXX CBE GROUP XXXX XXXX More Information Having a collection account reported in the recent past is considered negative, and the more recently this occurred, the larger the impact. However, your score can get better over time, as long as no other collection accounts are added to your credit report.
Experian will not remove inaccurate names that are not my names or wrong addresses. The other agencies did it but they will not. I have even sent them proper identification and address verification information. Still no changes after 5 months of trying to get corrected. 

Also they failed to reinvestigate properly and submitted requested documents to me based on the Section 611 of the FCRA I stated to them the following : 1. My request was made based on FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and was signed as having been received by you via certified mail. 
2. Pursuant to FCRA, Section 611 ( a ) ( 7 ), you are required to provide that description and specific information to me no later than fifteen days of my request. 

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
I applied for a payday loan in 2013 for {$400.00}. I had paid back most of the loan until they started taking the payment XXXX or XXXX a week. I contacted my bank & put a hold on my account. I never heard anything from ACE until a year later stating that there was still a balance on the loan. I have attempted twice to clarify this situation.I paid someone representing ACE {$500.00}. To clear up this matter. Now I am receiving threatening emails. Claiming they are going to have me arrested. They are going to report this to the credit bureaus. I will have to go to court and pay additional fines.
I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Equifax. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.
Continued attempts to collect debt not owed. Filed a complaint with the original creditor  XXXX   XXXX  and they stated in their response that this complaint does n't belong to them.
I have previously filed a complaint against XXXX XXXX XXXX XXXX in regards to a XXXX XXXX collection account that was originally a XXXX XXXX credit card account. They have still failed to rectify the issues I have raised about this account. I have had several issues in attempting to contact them for information about this " debt '' and in getting proper original account verification. I even tried to contact them just to settle it in order to get it taken care of and over with. I contacted XXXX XXXX and they told me they were not servicing the account. I do n't understand why they can not assist me with the account or say they are not servicing it but they are the ones still reporting this to the credit bureaus. I have disputed this and failed to have it removed. They have failed to proactively respond to my concerns and complaints and they have failed to report my disputes expressed to them directly to the credit reporting agencies. Is this not a violation of FCRA 623 ( a ) ( 3 )? Not only that, but it appears that XXXX XXXX has re-aged my account in an attempt to further harm my credit and continue past the statute of limitations to collect this " debt ''.
LexisNexis Risk solutions reporting incorrect information they are stating on my report that on  XXXX   XXXX   XXXX  I was involved in a minor moving violation. All I have to say is show me the proof since they are reporting this.    2.also the y are reporting that on  XXXX   XXXX   XXXX  I was involved in a at fault accident also since they are reporting this there should be a police report again she me the proof. I wanted to point out that in both instances are false statements that are affecting my insurance premiums
I 'm unable to file a dispute online, if keeps saying unable to process. There is a fraud alert that does n't need to be on my account
As the result of receiving XXXX XXXX ' XXXX/XXXX/16 Late Payment Reporting Notice ( attached ), I visited XXXX on XXXX/XXXX/16 in order to request or review my credit report for responding to same. 

Since Equifax Credit Services now offers the ability to review and dispute negative account entries online, I initiated an Online Dispute of the XXXX/XXXX/16 XXXX Past Due Payment entry. In addition to indicating the account was in Dispute and providing the CFPB Case # ( XXXX ) covering same, I also uploaded copies of my communication w/ XXXX containing details of the XXXX actions that resulted in the dispute. The uploaded documents were the same documents submitted to the CFPB in support of the above case #. 

As opposed to flagging the XXXX Past Due Payment entry as Disputed and adding the documents uploaded in support of same, Equifax 's alleged 4 day investigation instead resulted in corroborating w/ XXXX to remove my Clear Card payment history in an attempt to bias and/or distort the circumstances surrounding the XXXX/XXXX/16 late payment entry. A copy of resulting Equifax investigation response is attached.
I have been trying to complete a deed in lieu of foreclosure for over a year, Greentree servicing has been giving me the run around regarding the XXXX mortgage saying that I need to pay off the XXXX before we can proceed with the DIL. I told the rep that my XXXX mortgage was also with them ( Greentree ). The rep insisted that the XXXX mortgage was not with them even after I had told her that I received phone calls from them regarding the XXXX. This went on for months until finally I spoke to a rep who was able to find the XXXX. She said the XXXX mortgage was listed as ( closed ) which is the reason why they could n't locate it. So now I 'm talking to my account manager XXXX and she says she needs to get an override from her manager to proceed and I never heard back from her after numerous calls and the property is now in foreclosure, this is completely unacceptable and unprofessional
I was signed up on XXXX XXXX XXXX through an XXXX XXXX representative and signed up for paperless billing. Each month I received an email to pay through their online account. On the email sent on XX/XX/XXXX, the only option on the bill was to make a payment. As stated in that email, through my account I was able to access current credit limit, available credit, and important account information. I was not able to view statements through my account. I scheduled payment for {$200.00}. Suddenly and without warning an additional {$1800.00} was added to my balance on the XX/XX/XXXX email. I also noted that the email now allowed the option to view statement. Upon entering my account, suddenly there was a tab to view statements which was not previously there. I contacted XX/XX/XXXX to see if I could just pay the {$1600.00} to resolve the charge without the newly added " finance charge '' because I was not made aware that there would be a change and they stated that every email they had sent me included a link to " view statement, '' which was not the case. When I went to my account, suddenly a tab with statements appeared that was not previously there. I can not prove that the statement tab was not available on the account, as I did not anticipate this issue beforehand in order to screen shot it. Based on the information, I believe that their entire business model seems based on deceiving consumers to impose large finance charges, refuse resolution, and leave the consumer no other option but to overpay or refuse payment and dispute charges so that they could sell the debt off to debt collectors and write off disputed charges on their taxes, which would affect not just me, but the government. I attempted to reconcile by offering to pay the full {$1600.00} that was the previous month 's billing total to not move the dispute further and they refused. I've also never missed a payment and would, more often than not, pay more than double the minimum charge. I have acted in good faith with the company and in return, they withheld information from me intentionally to obtain an exorbitant financial charge.
Sent for validation of debt in accordance with the FDCPA and was not validated nor removed instead they are offering settlement ( s ) on a debt or contract I have not made with this company. NCB Management Services, INC has kept my credit from showing it's true score and has kept my family from benefiting from a true credit history. I have never made any contract or agreement with this company and they have not been able to prove that I owe this debt to them. Furthermore ; I nor my family was ever served properly on this account since we do not live in Pennsylvania.
Since I have opened this account I have frequently paid within a 60 day widow and have never had any issues until now ... .. I brought my acct current on XX/XX/19 bringing my available credit limit to XXXX. I was informed that I will not be able to use the card for 2 months of regular statements and payments on time ... I need to use this card to make purchases for my daughters upcoming prom ... This is an unfair practice I paid bill and should be allowed to access my available credit and they are holding my card hostage .... This is just one of multiple issues with XXXX XXXX XXXX including improper posting of payments and unfair incorrect credit report reporting ....
On XXXX XXXX, 2017, I learned that my data ( possibly including my name, Social Security number, birth date, address, drivers license number, and credit card numbers ) was taken from Equifax due to a security breach. Equifax failed to protect my data and stored it in a way that allowed it to be stolen.
I received an annual escrow account statement indicating of yet another shortage on my escrow account with a shortage amount of {$7200.00}. This is not the first escrow shortage on my account in the span of two years of our stay in the property prior entering the loan. The first escrow shortage was caused by an error on Ditech 's side which they admitted wherein Ditech was paying a different parcel number/property with my escrow account that resulted to having my property put on tax lien and my escrow account into a negative ( for reference I have my initial CFPB complaint from last year Case number : XXXX ). Ditech settled it by disbursing a check to pay for the delinquent property taxes and taking my property off tax lien, I thought all is good after that but I was shocked when I saw a {$7200.00} shortage on my account again this year. Now my question is what happened to my starting escrow amount/buffer ( please see attached document ) after the initial error occurred? To figure out what happened I tried requesting for an escrow analysis from XXXX since my online account only shows an escrow analysis for XXXX and XXXX but the customer service agent ( XXXX ) resisted to provide, in which I don't understand because I started my loan back in XXXX. Please help cause this is causing so much stress on our family, I tried settling this with Ditech by phone in multiple occasions but none of those interactions was helpful in fact each of the customer service agents I have talked to was just adding confusion into the mix and leading me to believe that I have entered the loan with a negative balance on my escrow but can not provide proof, if there are other documents needed please let me know.
Theres wrong information on my credit reports from way back almost 2014. Wrong telephone numbers and wrong address included. This info has been targeted in more than 2 ocassions and stills appears.
i called XXXX XXXX XXXX over a year ago about the complaint because i returned the item and was not going to pay for an item i returned. they said they fixed the problem but i still kept recieving notices in the mail stating i still owe. this occurred 3 consecutive times until the 4th time i calles it was finally resolved and they sent me a check in the mail for {$33.00}. they also said that they would report it to the credit reporting agencies to fix my credit but my credit was never fixed.
This is an inquiry that's on my credit report inwhich I have no knowledge of and I tried to get these frivolous inquires removed to no prevail. I'm respectfully requesting documented proof, or please remove.
Company is reporting as a new account for an outdated debt. Collection Company is reporting as derogatory. Company states it is for XXXX. They have marked my debt as 1 year 11 months. I have not had XXXX in over three years and have been a loyal XXXX customer. 

I mailed the company to let them know of the error. Rather than contact me or work together to figure this out, the company falsely added the amount past due. 

Report is missing past due amount, date of last payment, monthly payment, and frequency. 

Please help me get this item removed. I am contesting the time and the vast lack of information, as mentioned above.
Am a membership rewards member with American Express. Points have been frozen as my account is under review to make sure my purchases fall in-line with their guidelines.

On XX/XX/2018, I filed a complaint with CFPB. See, " CFPB Ref No : XXXX ''. American Express responded on XX/XX/2018 with a letter stating that all XXXX MR points have been released and are available for redemption and transfer. See letter, " Ref : XXXX ''. Called American Express customer service. Nothing they can do on their level.

Unfortunately, my points are still not usable as per letter. Filing a new complaint to get this resolved as soon as possible. This is my second complaint sent to American Express.
PayPal credit open an account for me and there was an immediate charge of {$82.00}. I called over 3 times to try to get an answer for why this was done to no avail. I cancelled the credit line and did sign an affadavit. I was told very nastily that I better pay this amount plus a finance charge and {$25.00} late few. I see that they have paid you a fine of {$25.00} XXXX. I think that they are up to their old tricks. Account number that has been cancelled I hope.