WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to Equifax to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

Equifax refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.
Submitted all proper identification along with police report from town that identity theft was based out of and experience still wo n't remove. This is my second time disputing with them. 1st they tell me I need to send in a Police report. Now finally I get the police report. They want it notarized. My credit has suffered long enough. This will also be the 2nd time you guys get involved as well with my fight with experian.
I started an application for an auto loan but never submitted it. I just filled out the initial information about me. I did not submit it because i was waiting for my credit score to improve as indicated on XXXX XXXX. Next thing I know, NFCU did a hard check. I tried to resolve this with the company, but I got told off. They claim I agreed to let them do a check just by beginning to fill out the application. I asked for them to provide that agreement to me and they could not. I demanded they remove the hard check. They did not.
I have a loan with NAVY FEDERAL CREDIT UNION. 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 and NAVY FEDERAL CREDIT UNION with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2017.
I am needing an advise on what to do with CashCall. I have the loan with them around XXXX. I have been paying religously and try not to be late with that company. But when I called last month my loan is still $ XXXX. I asked how come the loan never came down and was told that only {$3.00} goes to principal. I was shock and blame myself for taking this loan as last year was very hard for my family and I. I was working as a contract for work and did the CashCall loan as we need it. I have paid them to date {$1600.00}. The reason why I tried to keep on paying on it is because I read alot of how they harassed their customers. I cant afford to pay this anymore and afraid that if I stop paying they might harassed me at work and I am still new in here. Can you please help me as what to do. Thank you so much and god bless ... If you published this please change the my name. Thank you again.
My husband had XXXX XXXX XXXX XX/XX/2010 with real problems. XXXX I wasnt even thinking about a house payment at this time. I called chase bank and was told that this one late payment wouldnt affect our credit because of the circumstance and low and behold this one late payment has crucified us. I hate the fact that Chase bank lied to us and you would think that after all this time they would at least remove this negative report from our credit report now. To begin with they lied about not r3eporting this one payment because of our issues at this time but they continue to report this and it has been 6 years.Its time to remove this from our credit report.Please contact Chase Bank I have contacted them numerous times
on XXXX XXXX, 2016 I tried to obtain my annual credit report with Equifax via the online but I was not able to being Equifax refused to provide me a copy. I received a message online but could not print it for which they demanded that I provide them copies of utilities bills, social security card, drivers license etc. Today I called the corporate offices but was given the run around and in the end I spoke with XXXX who verified who I was in which I gave her my permanent home address XXXX XXXX XXXX XXXX NY XXXX, my temporary home address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( being my place is under construction ), my full name, social security but she informed me that I have an apartment number on both of my addresses of which I disputed. I was informed that there is an apartment number listed with the XXXX XXXX XXXX XXXX NY address of which not true being our house does not have any apartment numbers and she can not force me to provide an apartment number that does not exist. I further informed her that none of my credit bills have an apartment number and I believe somewhere someone other than me placed an apartment number on my credit report without my consent or knowledge. I will not provide them copies of any of my bills or credit card statements being those documents are personal and confidential and they have no right to have them. I was given a hard time by XXXX XXXX to the point that I yelled at her and she got upset and hung up the phone after I reached my boiling point and used a word that I should not have. They are required by law to provide me with a copy of my credit report free at no charge but then yet they are refusing being someone placed the wrong information on my credit report and I need to see what information ahs been reported to them and by whom so I can resolve the problem. 
Please have them provide me with a full copy of my report so I can review and dispute any incorrect information that is being reported or placed on my profile. Please contact me via email if anyone has any questions in regards to this matter. Finally, I do n't want Equifax to place my email address on my profile with their bureau. 

Thank you kindly for your assistance
You know about the Equifax security breach. I have tried numerous times to put a credit freeze on my account and my husband 's account through their website and through their phone system - neither will work. I called their so called help lines and its just a call center who ca n't do anything to help me except to say keep trying and try off times, like late at night -- not helpful! My husband 's data is part of the breach. Equifax is completely inept as their website 's and phone systems ca n't handle the requests for credit freezes. I also am unable to get my free credit report from them. In addition, I was able to put credit freezes on XXXX and XXXX, but had to pay {$10.00} for each XXXX, so I 'm out {$40.00} so far ( myself and my husband 's accounts ) and its Equifax 's fault -- I hope they are sued so people can recover their costs and losses. They XXXX!
Portfolio Recovery Associates sued me in XXXX of XXXX for a time barred debt on behalf of XXXX XXXX. I contacted the company. They wanted the entire amount which was around {$3500.00}. They claimed that I made a payment on it back in XXXX XXXX. I went to court and took my bank statements showing that I never made a payment. I even had a statement showing when the last payment was made. The debt was already time barred as it had been XXXX XXXX years since the last payment. The judge ruled in my favor and threw out their claim. I am now receiving phone calls from the same company, but this time out of XXXX instead of XXXX XXXX where it originally started.
I have a business credit card with Capital One. Over the last several months, Capital One has ( according to their customer service and fraud departments ) changed my BUSINESS mailing address on the account to my residence address without my knowledge or authorization. I have just spent over XXXX minutes on the phone trying to resolve this, only to discover they have changed the address yet again. They have escalated this to a " fraud '' investigation, yet THEY are changing the address - they say - based on information they are receiving from the Post Office. They have never verified these changes with me, the card holder. They simply change the address, and as a result the due date on the account also changes ( which is what prompted the call by me ). It seems address changes should be verified by the account holder, as anyone with computer access can put through an address change - and in this case - redirect mail away from the business address to a residence. Fortunately, it went to my personal residence, but these changes should not be made " automatically '' ( their word ) without verifying the change with the person RESPONSIBLE for the account. My attempts to resolve this through their customer service department was fruitless and incredibly frustrating, especially given the language barrier.
On or about XX/XX/XXXX and XX/XX/XXXX I received dunning notices from Bayview Loan Servicing regarding an alleged mortgage loan. On XX/XX/XXXX I sent Bayview Loan Servicing a Notice and Demand To Validate Debt Claim. On or about XX/XX/XXXX I sent a final notice of dispute and notice of pending lawsuit. Bayview Loan Servicing did not validate their claim. Bayview responded by sending me copies of a promissory note and bank statements which did not validate their claim. Bayview is a debt collector who is attempting to collect on a alleged defaulted debt.
XXXX XXXX XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. 

I set the additional payment online via echeck, hit submit ONCE, and got XXXX confirmation number. Fast forward to yesterday and XXXX has withdrawn an additional {$6000.00} dollars from my bank account using the SAME check number. The amount of catastrophe this has caused is unmeasurable. 

In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account using the same Echeck number, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 

I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 

My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. 

I spent a significant amount of time on the phone with several Santander Bank representatives yesterday ( XXXX, XXXX, XXXX ) who while I 'm sure did their best to provide customer service told me the business could process a refund no faster than 10 days and it could take up to 45 days to resolve. 
The bank allowed an issuance of the same echeck on three separate transactions. 
It took the bank a full week to inform me my account had been overdrawn to this point. In the 10 years I 've had my account, it 's been overdrawn once, by {$2.00}, and you mean to tell me there were no red flags when {$18000.00} was withdrawn in two days bringing my account far into the red? 
I was also informed that I could not be given a temporary balance adjustment in the meantime AND that the overdraw fees being charged to my negative many thousands of dollars account could only be resolved after the fact in another entirely separate dispute. I was also told that the bank would not assist me in speaking with XXXX to resolve the conflict. 

I have been a customer of Santander Bank since 2006 and will be closing my account with them as soon as this is resolved.
I always try to be conscientious about my payments. In XXXX I made my XXXX payment. A few days later I made my XXXX payment. Because it was before the bank statement cutoff they applied my second XXXX payment to principal. Now that it is XXXX I received a delinquency letter. I pulled my payment history and took it to Wells Fargo and went over it with a personal banker. She called the student loan division and they told her because I made my payment before the statement cutoff they applied it to principal. Since I made this through Wells Fargo there was no way to indicate where to post the payment so they used their judgement. They refuse to fix this problem and wo n't apply the payment correctly. In the mean time I have had to make an extra payment. Now I show a delinquent payment when in fact I did not have XXXX. They should not be allowed to charge delinquent fees nor report to a reporting agency when in fact they are at fault not the consumer
The closing papers that were sent me are dated XXXX/XXXX/15. That means that I contacted BB & T before that, to start the process and I do remember that it took some time for me to get the closing papers sent to me. With that being said, my original call was around or before XXXX/XXXX/15 to the loan officer at BB & T. I can not prove what the exact date is because it was a phone call and I did not think that I would have to create a history log. 

Around XXXX/XXXX/15 I called BB & T XXXX office to complain and got what they call " the chairman 's line ''. This is when a manager above my loan officer called me. I informed him of the long delay in processing my loan and that I now have a late fee. I asked for the fee to be removed and to look into the delay of my re-fi. He said that in order for him to remove the existing late, I needed to bring my loan current. To which I did and by closing out my IRA account. The closing check was just over XXXX. I also informed him that when I asked my loan officer why the delay, he said that re-fi take back seat to new loans and that they are overwhelmed right now due to changes in the regulations. The manager agreed with that statement. 


On XXXX/XXXX/15 I received the follow email : XXXX, I got a call from the processor, XXXX that she was ready to submit your file to underwriting, but that we needed the XXXX payment to be current. When do you expect to make that XXXX payment so we can get your file underwritten please? 
Thank you - XXXX is the loan officer. I called him and said that I have my IRA closing check and it is just over XXXX and I would like to put it towards a down payment. After running some simple numbers we agreed that it would not make enough change in the payment value and he also said that he would have to redo the closing papers. So I agreed that I will bring my existing loan current and the remaining will go to pay off some debt. 

From the email I just referenced, I brought my loan current and was under the impression that the loan had been pulled and sent to underwriting. I have not received ANY calls from BB & T since then, saying the my loan was past due, none. 

Just the other day I received another email from my loan officer saying that I need to provide information pertaining to make IRA deposit of XXXX proving where it come from. It is under XXXX and a legal deposit! He also informed me that I need to bring my loan current again, by 2months. This is of it self, will change the closing loan value. Today XXXX/XXXX/15 I called BB & T XXXX to file a complaint and spoke to a manager. He said that a senior manager would be in touch with me within 2-3 days. He did not give me a direct line or any way to follow up, upon my request, should that not happen. That is when I decided to file a complaint with CFPB.
In XX/XX/XXXX, Chase, our mortgage lender made an unauthorized withdrawl from our external checking account, after I previously scheduled our XX/XX/XXXX monthly payment. On XX/XX/XXXX, I realized what happened and contacted them to have the unauthorized payment returned to our account, as there were overdraft fees associated with the withdrawl ; the funds were returned to our account on XX/XX/XXXX. I began the dispute process with my credit union for the overdraft fees on XX/XX/XXXX, and the fees were later overturned by my credit union, as Chase had returned the funds. 
When making our XX/XX/XXXX payment, I noticed it showed that we still owed for XX/XX/XXXX, so I contacted Chase and they advised, both payments were returned to our credit union account. I let them know that we only received one returned payment and they began to investigte. On XX/XX/XXXX our credit union provided us a provisional credit, for the dispute, but the funds have been on hold, since Chase returned the funds. 
I have spoken to numerous reps and managers at Chase and was advised this would not go on our credit as it was under investigation, and now it is reflecting on our credit. Chase is advising they returned both payments, have asked for our bank statements twice and conference calls with our credit union to verify there was a provisional credit given. We have complied with all they have asked and have asked for transaction IDs for the refunds, but Chase will not provide them to us. On XX/XX/XXXX, I spoke with a rep from Chase and he advised he did see our funds there, but could not locate where they went, and " escalated '' my call, but I was told they would have to do research. I let them know I would be contacting them again in the next couple of days. On XX/XX/XXXX, I made another call to Chase, this time with my credit union on the line to comply with their second request for a conference call, and the Chase rep advised she did see that Chase had messed up and our funds were there, but they were not able to locate them. She promised to get everything taken care of and we received a follow-up call from Chase on XX/XX/XXXX advising we are still a month behind. During this time Chase sent us a mortgage assistance packet and a letter advising us on how to avoid foreclosure, however, we are not behind on any payments, and continue to make our payments on time. We do not know where to go from here and want this resolved as well as our credit repaired.
The company I am complaining about is Continental Credit at XXXX, Tx. I have been getting calls constantly at work which I am getting in trouble for and had to put a harassment report due to all the calling. The few times I have answered at work the representative is always rude and says " We need your payment now! You said you would pay where is your payment? Do you have the money now? We will go get it from you right now tell us your exact location. '' I have XXXX and with them always calling and telling me I will be sent to jail due to non payment has made me have XXXX at work which causes me to put my duties at work a side so I can calm down which takes hours. I do not appreciate this at all.
I have submitted multiple times to Equifax to remove multiple accounts that are not mine to my knowledge and a result of fraud. Ive sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed a FTC report and also an police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX and XXXX XXXX removed from my credit report or send debt validation of these accounts.
Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named I.C. System. I disputed this debt and recieved the following from XXXX. 

XX/XX/XXXX Completed I C SYSTEM Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. 
Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to XXXX, XXXX phone number XXXX two days after the completion of this report on XX/XX/XXXX. XXXX XXXX XXXX has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.
Hello, I believe that Chase Credit Card Company overcharged me for interest. I received my XXXX statement and the interest/fee was approximately {$25.00}. My balance is approximately {$2000.00}. I called to ask how they calculated the fee/interest. The man said they applied to interest rate ( approximately 14.50 % ) to the outstanding balance daily and arrived at the interest payment. I am really looking to understand how the contract changed.
Calls 3 times a day, repeatedly twice and then once about 4 hours later. I already have the number blocked even though the first time I answered I told them I do n't have any outstanding debts to anyone ( only to my credit card, but then that would be them calling em instead of some scammer based out of Washington. )
On XX/XX/XXXX, I mailed my XX/XX/XXXX mortgage payment of {$1200.00} to Chase by certified mail. Chase signed for the payment on XX/XX/XXXX. Chase applied the mortgage payment as a {$1200.00} principal reduction payment. On XX/XX/XXXX, Chase reversed the {$1200.00} principal reduction payment and reapplied our XX/XX/XXXX mortgage payment as a principal reduction payment of {$1200.00}. I have contacted Chase daily to fix our XX/XX/XXXX mortgage payment. As of XX/XX/XXXX, Chase has not fixed our XX/XX/XXXX mortgage payment. Chase has not sent us our XX/XX/XXXX or XX/XX/XXXX mortgage statement even though I have repeatedly contacted them for our mortgage statements.
MY HOME LOAN WAS SERVICED BY XXXX XXXX AND THE PAYMENT WAS {$1200.00} AS THEY CHANGER TO SHELL POINT MORTGAGE SERVICING THE PAYMENT INCREASED TO {$1300.00} CAUSING {$59.00} MORE PER MONTH. 
SHELL POINT SAYS THAT IN MODIFICATION THE RATE CHANGED TO XXXX I OPPOSED TO BY SAYING TO THEM THAT IT IS NOT TRUE MY PAYMENT DO NOT CHANGE UNTIL XXXX2019 I TRIED TO OPEN CASE COMPLAIN ON PHONE AND BY ON THEIR SITE BUT I HAVE NEVER GOT RESPONSE. WHEN I CALL AGAIN THEY SAID TO OPEN COMPLAIN AGAIN. 
I AM ATTACHING PROOF FROM MODIFICATION STATEMENT AND REQUESTING OVER PAID MONEY TO BE ADJUSTED AND PAYMENT TO BE REDUCED.
For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX
In reviewing this public record, I have noticed that the date reported has been updated to the year of 2015. If you search and review my older reports it will show that this was reported prior to 2015. This information is incorrect and must be removed if proof can not be shown.
My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX  Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.