WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX BOX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX CREDIT MONITORING EQUIFAXUSOPM XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX I contacted the credit bureaus, and they refused to help me dispute these items over the phone. Their customer service would not help and take care of the negative inquiries reporting to my credit report. They told me they ca n't do anything about it.
On XX/XX/18, I was served with a notice to appear for a pretrial conference/mediation with regard to a suit apparently filed against me by XXXX XXXX XXXX for an alleged debt that they purchased from XXXX XXXX. On several occasions, I have requested that XXXX XXXX XXXX cease communication with me, and was therefore more than a little surprised that they proceeded in this manner given their blatant violations of the FDCPA. I had assumed that the matter was now being handled by their legal counsel and I would be able to resolve the matter with counsel. The next day, XX/XX/18, I received yet another call from XXXX XXXX, XXXX, I advised the caller that I wished to receive no more calls, and terminated the call. Within seconds, XXXX XXXX, XXXX called me again, and placed me on hold. I held so that i could notify the caller of the most recent call, I waited on hold for approximately 10-15 minutes, and hung up. Once again, within seconds, XXXX XXXX, XXXX called me again! According to the FDCPA, if I request a debt collector to stop calling, they are required to do so. I have proof of this violation, as well as several other instances of XXXX XXXX 's disregard for the FDCPA. On XX/XX/18, I wrote a letter explaining this to the attorney representing XXXX XXXX, XXXX, and explained that I would be willing to forego the filing of a suit against their company for their numerous FDCPA violations if they would agree to dismiss the suit filed against me, and to delete any collection activity from my credit report. To date, I have not received a response.
Wells Fargo has been servicing my home loan for the past several years but over the past few years, they have not escrowed my account properly regarding my house taxes. In XX/XX/XXXX, even though the funds were escrowed, I only received a portion of the tax check to pay to the City at the end of the year. I called them several times about it and was always told, " Well, your taxes must have gone up. '' I would tell them they did not and they would say they would look into it. At the end of the years of XX/XX/XXXXand XX/XX/XXXX Wells Fargo paid the taxes in full after my prompting, with the total amount adding up to {$5300.00}. However, now they want the money back in a lump some or for the funds to be added to my mortgage as of XX/XX/XXXX, which puts my mortgage up to over {$1200.00} per month. I can't pay the {$5300.00} lump sum, nor can I afford the {$1200.00} monthly payment. I am afraid I am going to loose my house after living here for almost 13 years. On XX/XX/XXXX, I asked to speak with a manager. I explained the whole thing to a man named XXXX. He concurred that in XX/XX/XXXX the taxes were escrowed and did not know why I only received a portion of the taxes at the end of that year. I also let him know I needed a different option other than paying a lump sum now or my mortgage payment going up to {$1200.00}. He said he would have to look into things and call me back. In fact he said he would call me back the very next day. I waited. He never did call. Today, I called him and left a message and received no return call. Something is very wrong. I think they did some messing around with my account and now they want to get rid of me. I don't want to loose the home I have loved for the past 13 years! I have tried for two years to resolve the issue with them to no avail. Now, I am the one who has to pay the consequences for their lack of customer service and sheer negligence.
My hisband deposited our monthly retirement checks from   XXXX    XXXX   XXXX . The two checks came to about {$3000.00}. We had requested the automatic deposit, but  XXXX  said they would have to pay us this month with a paper check. My husband used the ATM, and they put a hold on the {$1300.00} check. They put a  1  0-day hold  on the other check for about {$1600.00}. I called customer service and explained the origin of the check. I have  two c hecks the are going to return and charge me about {$60.00} in NSF charges, not including what the merchant will charge. I spoke to  3 di fferent levels of management  ( or  so they said  ). I t old them that I wanted to speak to someone who the wherewithal to make an accommodation. I was told I could speak to a decision making level by making an appointment. It would take  2 we eks before the would call me. I do n't know what I expect you to do, but I am irate. We deposit an additional {$6000.00} every month in the account. I would like others to know about their egregious behavior.
I have tried TWIC -- once in XX/XX/XXXX and once in XX/XX/XXXX -- to get my free credit reports from Equifax and XXXX. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly Equifax, XXXX just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XX/XX/XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months
I just found out that XXXX XXXX somehow obtained the home and cell phones of my parents and have been repeatedly harassing them daily. It is extremely distressing to my elderly mother, and she wants it to stop immediately. What XXXX is doing is ILLEGAL under the FCRA, and if they do not cease the illegal calls to my outside family immediately, I will take legal action.
My original loan ( Account # XXXX ( XXXX XXXX ) ) was scheduled to be paid off XX/XX/XXXX. When I logged into their website, it was advertised that I could " Skip a Payment ''. Which I elected to do, XX/XX/XXXX. As it was near XXXX, I thought this would be beneficial for my family. It turns out that skipping a payment meant refinancing. Which was an option I've declined several times. Since then a new line of credit was opened for {$480.00} and now I'm stuck in this same rabbit hole, with a payoff date in XX/XX/XXXX. This company is extremely unethical and misleading when providing payment options to it's customers. I did speak with XXXX with the resolutions department, and she was of no help to me.
In 2007 I applied for what I thought was a home equity loan to do repairs on my home. I originally applied f or the loan through Wachovia Bank. Later Wells Fargo took over all the Wachovia accounts. Later, I found out the loan I received was not a home equity loan, but a home equity line of credit with compounding interest. I have made payments on the home equity line of credit loan with an outrageous rate, and I owe the same amount of money I originally borrowed in 2007!. For the last 8 years I have been trying to work with Wells Fargo, and combine my home mortgage, and home equity line of credit into XXXX conventional home mortgage loan with a reasonable interest rate, however Wells Fargo refuses to do it. I have excellent credit, have paid the loan diligently, never late, and the value of my home exceeds the amount of the mortgage and the home equity loan. I am almost XXXX years old on a fixed income, and I ca n't believe Wells Fargo will not work with me. I am not asking for a handout I have a reasonable request. Wells Fargo wrote me a letter essentially telling me to let my mortgage lapse and default on the loan. I have never, and will never NOT pay my bills. I am desperate for help. Is there anything you can do to help me?
I keep receiving phone calls from the number XXXX XXXX XXXX claiming it is from Chase. I XXXX the number and find that some posts said this is a fraud while some posts claimed that it is from Chase fraud department. I contacted Chase on XXXX and they confirmed that they did NOT contact me and that is a fraud. 

I contacted Chase credit card online and sending them the information above. In response, the customer support just sent me a cookie cutter response saying how I should handle a fraudulent phone call, rather than looking into my email and taking real actions to stop the phone number that I reported. These people are so organized that they set up fake posts on the internet to support it is legitimate and XXXX number that we can call back. I mentioned to the bank that this phone number was dated back many years ago and the bank should at least contact the phone company to block it. My second email received yet another useless response. After 2 more attempts, I realized that 1. Their customer support including their fraud department was poorly trained on how to handle security issues  2. They have no intention to take followup action on my reported incident. 
3. Their response is just cookie cutter response without really looking at the problem. 
4. They do not take any proactive actions even though these people started using the same number and pretend to be Chase since XXXX XXXX. 

I have also attached their last response from Chase in the attachment and indicated how improper about their response even after 3 attempts from me asking them for real actions. 

XXXX XXXX
I have tried on 4 seperate occassions to have Equifax Information Services update my personal information with correct information so that my credit report reports accurately. On XX/XX/XXXX, I mailed to XXXX XXXX XXXX a letter requesting a correction to my name and address. With this letter I included a clear, color copy of both my driver 's license, social security card, and the Personal Information page from the credit report PROVIDED by Equifax. On XX/XX/XXXX i faxed to XXXX a very clear copy of both my driver 's license and social security card to ensure that they had proper documentation to update my credit report. On XX/XX/XXXX I receive a letter from Equifax stating that they could not update my information as they were unable to locate my credit file in their database. It asked that I submit one item from their " Identification '' category ( pay stub, w2 or valid social security card ) and one item from their " Current Address ) category ( driver  's license, rental/lease agreement, pay stub with address, utility bill ). As you can see, I submitted one item from each category via mail and fax. I have a copy of my fax transmission report indicating that the fax with the requested documents was received on XX/XX/XXXX. On XX/XX/XXXX I received 2 more letters ( one addressed to my correct name and one addressed to an incorrect name I was asking to have removed from my report ), again, asking me to submit one item from each category. I am infuriated with Equifax 's stalling of updating my personal information. This is a clear attempt to keep outdated and inaccurate information on my credit report to the benifit of creditors and bill collectors. This is unacceptable and they should be penalized for such actions. I have included documentation of my most recent letters sent, the identification and address items, and the multiple letters sent my Equifax to this complaint.
XXXX XXXX bought my mortgage and i can not log into my account through their website. I previously filed CFPB complaint number XXXX and received an inadequate response. It stated that since they can log into my account i can too and i don't have a problem. This is comical because i would hope a company servicing billions in home mortgages can log into their own software account ; however, just because they can log in doesn't mean i can. I have called the respondent o my complaint, XXXX XXXX in XXXX XXXX compliance department have have received no call back from multiple voice messages.
I have asked Carrington Mortgage to stop calling me to sell me a refinance of an existing mortgage. They call every 10 days to 2 weeks. Last week ( XXXX or so ) I called customer service directly and asked them to stop with the calls or I would be filing a complaint. Here we are XXXX and I have a message on my machine " Update on my account '' with a phone number to call. I WANT THEM TO STOP CALLING ME! My loan is in good status and was sold to them.
I purchased this vehicle XXXX of 2016. Since then the collection efforts are beyond belief. You are harassed prior to your payment. Let 's say your due date is the 21st they claim it 's NO grace period which is fine but you are already receiving threatening collections calls, emails, texts, left messages at all of XXXX XXXX  that morning. They do n't even give you the opportunity to open your eyes at least. When a message is left by law you are not to contact me again for that day. With this company that is not the case.
Our mortgage company Seterus has failed to provide us with monthly statements for several years. They have varying reasons as why this is the case, all of which are not their fault. In XXXX 2015, I filed a complaint with CFPB ( Case # XXXX ) due to the severity of our financial situation at that time. We never received a " regular '' statement by mail, but our online access was restored. I still have online access, but the most recent statement is XXXX 2015. I am now missing 6 months of statements. Surely this ca n't be legal.
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX and Chapter XXXX Bankruptcy XXXX
Around XX/XX/2018 By Phone one Scam phone we get from the company ( XXXX XXXX XXXX XXXX ) They pretend they calling from XXXX & like to extend our car repair warranty, they get our credit card information over the phone. they charge me {$160.00} on XX/XX/2018. they told us if we like to change our mind just need to call XXXX to cancel any time with XXXX refund. 
in the time i call local XXXX dealership. i find out that they are not affiliated with XXXX. i research in XXXX and read the XXXX review. i find out they are scam and to many people complaint about that. 
i immediately Call the XXXX XXXX XXXX XXXX to cancel my order and refund my money but they hang my 2,3, calls. then i call from different number when they answer my call i told them to cancel my order. they told me it cancel already on XX/XX/2018. 
i report To BANK OF America Credit card immediately about i get scammed.with credit card ending XXXX ( old Bank of america card ). 
XXXX XXXX XXXX XXXX did't refund my money but they start charging more money from my card without my permission. 
i report Bank Of America To many time about my credit card information is compromised. Bank of america did't did any afferd. After charging 3 time i call bank of america to open dispute. i ask bank of america to change my credit card with new number. finally i get new card with ending ( XXXX ) i told BOA to block this merchant from my account. bank did't did anything. 
i have to call to many time to Bank of america for dispute update. Bank put me on hold for hours and transfer my in different different department. 
BANK of america told me try to reached merchant again, i did. but merchat XXXX XXXX XXXX XXXX ) is very scamy and froud they hang call they lough on me. and didt't help me to refund my money. XXXX XXXX XXXX XXXX ) start taking about my family also they are bunch of unprofessional fraud. 
After calling to many time XXXX XXXX XXXX XXXX, i find their email and also send the notice to them by email to refund my money. 

BANK of america Harassment me also as they not helping me to get my money back. 
they open the dispute. 
BANK of america told me to go local branch in XXXX and sign and fax some documents. 
i went to the branch and meet mr XXXX. he told me his fax machine is not working come later. 
i went again in the evening and sign some documents. branch fax that documents to their BANK of america fraud department. 

now BANK of america close the case in favor of scammer. 
bank of america not accepting my proof i did on time to cancel this merchant by phone. 

BANK of america didt provide me any documents where i sign with merchant about their policy. 

i did ; t sign any document with merchant. 

the bad thing is BANK of america helping scammer/fraud beside helping the customer. 

This is complete harassment for my all family from last 3 month. this harassment are by BANK of america and scam auto company ( XXXX XXXX XXXX XXXX )
I enrolled in Ameritech Financial in XXXX of 2017 and started immediately paying {$230.00} a month for them to assist me with my school loans. ( 10 months of payments ) Ameritech Financial led me to believe that they were assisting me with my school debt and that they would be acting in my best interest. None of the money that I have paid to them has gone towards the amount of my student loan. I have not seen any benefits from their services, absolutely NONE.. 
I called the Department of Education and they stated that they have never heard of this company and my arrangement with them was not notated on my account. 
I have called them to get confirmation on this matter, but I am told due to high volume calls they will get back with me within 24 hours. JOKE on me. 
I emailed the company and requested that they would not deduct the next payment from my account without clarification of their services. 
They prey upon the desperate people who already can not afford the high student loan repayments.. So sad
Chase XXXX XXXX card has fraudulent, deceptive, abusive, and obstructive dispute process for incorrect charges on credit card. 
1. It takes great effort to even find out where on pathetic website you can file a dispute. It is hidden under 'messages ' somewhere. 
2. After typing dispute, when clicking 'submit ', the web page, says " you have been signed out of your account '' rather than stating the dispute has been accepted. This is their way of blocking you from filing a dispute for a charge. 
3. It takes hours speaking to some high school drop out to dispute a charge by phone. 
4. Chase fraudulently removed credit for a disputed charge, 'the protection group ', despite that Chase never asked me for any documentation to corroborate that 'the protection group ' was billing me for services they never rendered. 
5. Again, there is a dispute with XXXX ' and after 30 minuntes finding and writing a dispute, the website says " you 've been signed out '' rather than accepting the dispute. The website is set to automatically sign you out of account instead of accepting any disputes. This constitutes consumer fraud.
I notified Chase that I did not wish to have any contact with XXXX, their rep changed my due date from the XXXX to the XXXX which will never work, but Chase claims it is my fault. I ca n't catch up this at this time which they were notified of. My credit has been affected by this, I advised the due date change came from AES not me, I can lose my job over this and plus I have a medical bill to pay. I want my courtesy credit report due to the fact that XXXX changed my due date. I CAN NOT CATCH UP THE ACCOUNT AND IT IS NOT MY FAULT THAT AES CHANGED THE DUE DATE, I do not want my letters or phone calls from XXXX or Chase on this loan because they know why it is late because I them numerous times. I have spoken to XXXX on XX/XX/2017 and XX/XX/2017 to see if my due change was done, I was told it can take up 7-10 business but the account was current when I asked for the due date change. The XXXX does not work with my budget and it is going late. I feel that AES is misleading me again, I ca n't continue to have 30 day marks on my credit report which is preventing me from applying to higher paying opportunities, my mother was helping me but she had to have XXXX and was on medical leave for 6 weeks to recover. I dealt with XXXX on this issue before and they did change the date. This is the only creditor that I have that is giving me a hard time about changing the due date, when the rep on XX/XX/2017 put in my due date I was never given a time frame. I called back on XX/XX/2017 and then I was told the due date change my not go even though the account was current at that time. This means my account will go past due again. XXXX is dishonest which is what I have been trying to tell Chase.
In XXXX 2017 my score was XXXX ( see attached ) my score is now XXXX and I have no late payments. There were some unnessary hard enquiries on my credit file without my knowledge. There may have been as many as three ( 3 ) by XXXX XXXX. I see no reason why my score is this low.