WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to obtain my free annual credit report from Equifax. I provided all of the essential information that Equifax requested. They replied that I would have to submit sensitive personal documents through the US Mail to them before they would further consider my request. First, if I have to spend money for postage that does n't sound like a free report to me. Additionally, a private company could give the same information that I gave and instantaneously receive back the same report without question. I then opened a dispute calmly stating that I would be contacting the FTC should they not comply. They responded back that I would either have to telephone or contact them by mail to obtain my free report. I even gave them additional time to complete my request before filing this complaint today, so they had a chance to make this right and knew that I might involve the FTC -- and they blew it off anyway. Why? Maybe because they think the rules do n't apply to them. Trying to obtain something that is supposed to free online with no strings attached should n't include an ordinary citizen having to jump through bureaucratic hoops just because they 're not a big company. I 'm glad I fought back even though they may retaliate against me because it 's time to stand up for our legal rights.
Complaint XXXX XXXX XXXX and Bridgecrest are making false claims, they 're giving false information. 
First of all, in the past 16 months, I have called and spoke with XXXX directly and they have never mentioned to me anything about my account having a fraud dispute and is being blocked, never not one, that 's false information given by XXXX XXXX and Bridgecrest, I just received a copy of my credit report from XXXX a XXXX 2017. " XXXX XXXX and other phone representatives of Bridgecrest admitted over our phone conversation that that they never called XXXX because there 's a block on my XXXX account, that 's the primary reason they ca n't report my financial data history. Well answer this question, if Bridgecrest never reported my information to XXXX because of a blocked file do to a fraud dispute, how did Bridgecrest get on my XXXX credit report, not only that, why would the XXXX phone representative mention to me that Bridgecrest just called this month ( XXXX XXXX to update my file. I spell a rat. Second, XXXX and XXXX never advise me to need to contact the credit bureaus directly and request to speak with a member of their management to resolve the split credit file, if that was true, the times that called XXXX and XXXX in last 16 months, they would have mentioned to me about a split credit file. I have gotten two credit reports from both XXXX and XXXX, disputed inaccurate information on my credit report with XXXX with CFPB XXXX Consumer Financial Protection Bureau XXXX " check your computer system, it 's there '' they have never told me anything about a split credit file. Do n't you think the times that I called XXXX and XXXX that a phone representative would have recognized that I had a split credit file and put a manager on the phone to fix the problem by now. Think about it? One of the phone representative from XXXX told me over the phone that she do n't know what a spit is and that she never heard of such a thing. 
XXXX XXXX XXXX has been in a irrevocable trust " XXXX XXXX XXXX, TIN # XXXX '', a pure common law trust, a unincorporated business trust since XXXX XXXX, XXXX, the day XXXX entered into there Interest Retail Installment contract.
Caller did not leave name of company but left phone # to call within 2 hours to avoid legal complications. XXXX XXXX XXXX. They called my employer and my son 's mobile #. Not me. They said they were trying to deliver legal papers that I had refused to sign. I have not refused to sign anything. I called the # back and a lady answered. I asked who she was and she gave me a name something like XXXX XXXX XXXX and asked me for a case #. Told her I didn't have one and that I'd call her back when I got it. Called back an hour later and got a man 's voice mail just saying " Loss Mitigation '' leave a message. Left a message with my phone #. Called a few more times. Same voice mail. No call back. I see no attempt to deliver papers to my home. This appears to be either a scam or an illegal attempt to collect a debt, but I don't know what debt it would be. REALLY not cool to call my employer and my son but not my own cell phone # that I've had for 15 years -- so clearly if they found my employer and son 's #, they could find mine. 

My son saved the voice message should you want to listen to it. In that message they don't even have my last name correct. They tacked on an old married surname from 30 years ago to my current surname.
My wife and I have been getting harassing phone calls on our cell phones and at work about a debt we know nothing about. ( They called her XXXX in the last 5 days at work and told her manager she would be served papers at work when she returned ) they are claiming we owe a debt to Wells Fargo from 2005 ( well past the 6 year statute of limitations in Washington state ) they say we are going to be sued and that her wages will be garnished. they wo n't give us any more info without disclosing sensitive information with them.
I have requested validation of debt that was reported to XXXX credit bureau 's without any validation of said credit. I have disputed this account with the credit bureau 's and I have sent written requests to the collection agency to validate this debt. The collection agency has not validated debt nor has the collection agency made any attempt to contact me in writing or by telephone regarding this collection. I have not received a judgment, signed a contract to pay, negotiated any payments or simply acknowledged or received any correspondence regarding this collection. I have contacted the credit bureau 's and this collection was removed from XXXX due to collection agency not validating nor verifying the collection.
Freedom Mortgage is reporting a payment as late on my credit report. In this circumstance, they do not allow 24/7 payments to be made. Therefore this payment was not 30 days late by choice, but by the fact that their system, because there was a holiday following the last day of the month, did not allow any online or phone payments to be made. This was actually due to a payment shortage of {$30.00} that prevented any part of this payment from being applied to my account, and outstanding payment. In observance of the fact that you did not have any available payments methods available to correct this shortage 24/7, we made multiple attempts to do this online but your system would fail to process it, and there were no phone representatives available, and your automated system would not take the payment either, even when trying to pay a full months payment extra to resolve a {$37.00} shortage. This payment shortage was due to you changing the mortgage payment amount twice within a 60 day period. Our escrow portion of our payment increased by {$5.00} one month, and then by {$37.00} the following month. On the next business day that your system was available to process this payment it was made in full, and the following months payment was made on the same day as well. No phone calls were made to point out the shortage in the payment that was made. The payments were on an autopay, but the increase in escrow was not notified in advance of the payment increase, and this was the first payment after the increase in payment. Also, the previous payment amount which was {$37.00} short, made on time, was not credited in the amount paid when received which was a violation. It was held in an unaccounted for account, but not applied to principal or interest or escrow etc. Also since your business had no ability to accept a payment on day 30 or 31, then the following business day that you would accept payments was when our shortage was corrected. This does not constitue a 30 day late, if there is no way to make a payment the day before the payment is late due to your business being closed for a holiday. See attached image where your system was unable to take a payment due to a holiday. Also, the following months payment could not be due on XX/XX/XXXX when that was a holiday, and your offices for also processing and receiving payments are closed with no method to post or initiate a payment. Also, our escrow account was negative due to a shortage from over 12 months prior, that they failed to average out, or to ask to be paid to put our account on pace to maintain our payment. See the statement where payment was sent in, but not applied at all to account.
This is a complaint against Equifax/XXXX. This that I am writing is evidence that I am correct and Equifax wants to keep reporting incorrect information in my credit report, simply because according to them it is the regulations that they follow, I do n't understand these laws that they follow and the regulations that they follow because this account that I am disputing of XXXX XXXX that is being reporting in an incorrect manner in my credit file by Equifax. I has been many months that I have been disputing this account and this account that I am going to attach, received by mail, Equifax ignore whatever information and evidence I give them and violate the federal laws in protection of the consumer ( XXXX ) even though I give them all the evidence I can they still have n't deleted this account from my credit report. Today, XX/XX/XXXX, I had contact with the Department of Disputes in XXXX of Equifax , I told them all of this and about the account of XXXX XXXX and as well as XXXX. Overtime I have phone contact with them different stories to tell me to justify their unfair and all their fraud that they have caused on me, one of the executives told me that even thoughI have all the physical copies and evidence I can have that because I have multiple investigations open they ca n't close the case without having the proof from the banks, they do n't want to own up to their responsibilities or their job. The executive that I contacted in the morning that in XX/XX/XXXX the account of XXXX XXXX was deleted, but she says that because I have other accounts open even though I have given enough information and physical evidence they ca n't close those accounts, which seems to me as an absurd excuse to justify this unfair act that was caused upon me, because even though they have more evidence that I can give them and proof that other institutions also agree with me why would they keep going on with the lie that I am in the wrong and why would you treat me and my case like this? I have been very kind with them and all I get back is an unfair and absurd excuse to give me, they do n't care about my case and they just do what ever they want with it without following the federal laws. Exactly the same with the account of XXXX, at this point I think it is personal that they do n't want to delete my account because there is no other explanation.
I made several purchases on my PayPal account in XX/XX/XXXX. I went on and checked my previous statement balance, which was {$770.00}. The additional purchases in XX/XX/XXXXadded up to {$1000.00}. The total came of purchases plus previous statement balance came out to {$1800.00}. I made a payment of {$1400.00}. It left a balance of {$390.00}. The {$390.00} was the balance remaining for two promotional purchases I made after I paid XXXX. I then look on the next statement and realize I have {$390.00} standard interest charges. I knew that I had not made any non-promotional purchases after I made my purchase and that was the exact amount of the two purchases I made under promotional terms {$100.00} + {$280.00}. I called customer service and was expecting them to see the error and fix it. When I talked to a supervisor they started stumbling around their stories and stated that their system did not recognize me making an early payment so they applied it in a sequence order of what was purchased first. However, their explanation made no sense because in sequence order would have paid {$640.00} of standard purchases and promotional purchases that were purchased prior to the {$390.00} of promotional purchases. Their system should apply any payment to the earliest purchase, not the interest free purchases first and that is exactly what happened in this case. They attempted to rationalize it and there was no way to rationalize what happened. I am wondering how many of billions of people have been impacted by this shady and deceptive billing practice. Paypal is applying payments to promotional purchases first in order to lengthen the time they are charging for standard interest. Here is only one of the SCAMs they are running, turns out in-spite of selecting the no-interest option, they posted it as a regular credit payment and start charging 19.99 % interest. Now you might say, perhaps I made a mistake, except for the fact that I specifically chose the no-interest option as it was the primary motivator for my two purchases. The mistake I made was not closely looking at my statements, as I would have realized much sooner that I was being charged interest. I am sure I am not the only one experiencing this. I am willing to provide copies of statements but since it said not to include any account information or personal information I did not attach it. It is very clear to see that what they did was deceptive. I also read thousands of blogs and complaints online from people who experienced the same issue I did.
CMRE contacted my sister about my debt XX/XX/XXXX @ XXXX expressing to her that they were going to report the debt to my credit report and they would next garnish my wages she explained that I was not home but the rep insisted that she was in fact me I then called them and they said they were sorry the last rep did that but would I like to set up payments I explained to them this isnt correct and they needed to verify this incorrect bill
Meridian Financial has fraudulently reported a single collection account obtained from XXXX XXXX as three different accounts to both XXXX and XXXX. I have written to them several times to correct this error and received a statement confirming that this is indeed a single account but my demand for correction to the reporting has been ignored. Attached is my statement from XXXX XXXX confirming that this is, in fact, one single collection regarding a single XXXX XXXX account and not several.
ate {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX 2016 and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
In 2007 While I had XXXX XXXX my credit cards were used without my knowledge or consent I reported it to the creditor at the time I also filed a police report and provided information as to whom I believed had committed the theft. however the creditor sold the debt to a collection agency who continues to report the debt and renew the debt keeping it on file over seven years
TD BANK ALLOWS TRANSFERS THAT THEY CLAIM ARE IMMEDIATE BUT THEY TAKE THE MONEY OUT OF ONE ACCOUNT THEY APPLY IT TO THE OTHER THEN THEY CLAIM THE TRANSFER MADE THE ACCOUNT OVERDRAWN IF THAT IS THE CASE THEY SHOULDNT ALLOW THE TRANSFER NOT CHARGE {$35.00} FOR A {$10.00} TRANSFER
On Monday, XXXX XXXX, XXXX, I sent a letter in response to a Notice of Collection regarding my mortgage servicer Ocwen attorney. In said letter, I adamantly disputed the validity of the ( amount XXXX unverified but allegedly owed debt, and requested a full disbursement/breakdown of that amount. I requested that the breakdown contain the accrual of interest, late charges, insurance fees, and any other applicable charges. Additionally, I asked for a full tax disbursement dating from XXXX ( or from the inception of the loan ). The property in question had Tax Reductions since XXXX ; so I asked that the following be specifically included:1 ) Disbursement XXXX Town Tax,2 XXXX Disbursement of XXXX School Tax XXXX and3 ) Disbursement of XXXX Tax. 
However, all that I have received to date are Closing Documents dated XXXX XXXX and a package of statements from XXXX and XXXX a huge gap XXXX to XXXX. These do not even slightly correspond to my request, nor do they substantiate the amount allegedly owed. Therefore, I reiterate my need and legal right to see the audit trail and applicable fees that supposedly add up to that exorbitant amount. THIS DEBT IS NOT VALID WITHOUT SUCH VERIFICATION. 

XXXX my disputation of the validity of the debt and my request for corroborative information were timely made ( within the allowed thirty XXXX 30 XXXX day period from receipt of notice ). However, I have not been afforded due diligence and good faith in reply, as I am still waiting for evidence of the debt 's legitimacy. Moreover, I have been notified by lawyer letters on my property in XXXX Court, New York. This action was commenced by your filing Notice of Pendency in XXXX XXXX XXXX XXXX XXXX, for a Foreclosure Notice, which has be given without first proving that it has legal warrant - i.e., I have not received the requested information. Therefore, adherence to regulatory procedures as well as to the standard established by the FAIR DEBT COLLECTION PRACTICES ACT ( " FDCPA '' ) in this matter has been inadequate and short. 

Accordingly, the law requires that this failure to adequately respond to my request be remedied before any further adverse action is taken.
This complaint is being filed by XXXX and XXXX on XX/XX/XXXX. In reviewing XXXX credit reports for both myself and XXXX we found that the mortgage department of JP Morgan Chase was running credit inquiries on both of us. This report shows the inquiries started in XX/XX/XXXX through XX/XX/XXXX They would alternate the months between myself and XXXX. The inquiries stopped for seven months they resumed XXXX, and they have continued running the inquiries in alternating months on both of us. Running inquiries on customers that have a mortgage, that has already been approved is in direct opposition to the policies of JP Morgan Chase. 
The policy of the bank is after the mortgage has been approved no additional inquiries need to be made into their credit history. Per the Fair Credit Reporting Act all inquiries into a customers credit history are to be work related, running credit inquiries into a person personal credit history for any other reason is in direct violation of Fair Credit Reporting Act Our loan is a FHA loan with a fixed interest and is in good standing. 
By Chases own policy there is no reason to continuously run inquiries into our credit history and by obtaining these inquiries when there is not a work related reason violates the Fair Credit Reporting Act. I am asking on behalf of myself and my husband XXXX for this incident to be investigated and determine what purpose is our credit history actually being used for, because these inquiries are not work related.
my account showed positive this morning now the bank is saying that it is in negative it is I had a credit go in the same day as transactions went out. they have changed it around so that my account appeared to be in the negative first. this is so unfair and seems to be constant with citizens bank
I contacted Capital one late XXXX to complain that a credit card I had that was discharged during bankruptcy I filed during XXXX was discharged at that time. I was contacted by phone and in writing that this was an error and the item ( Capital One Credit Card charge off ) was removed from my credit card. I received notification in XXXX of XXXX that Capital one has once again " re '' reported this to the credit reporting agencies. This has caused me to pay deposits, turned down for lower interest credit card offers and made it impossible for my borrow money to make home improvements to sell my home. See below for how these accounts have been reported to XXXX. XXXX and XXXX are reported in similar fashion based on my understanding of reports ( see below ). 


CAPITAL ONE BANK USA XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late CAPITAL ONE BANK USA XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late
I have medical bills that are on my credit report 4 that was reported to creditors. I have never gone without medical insurance. I need to get this matter taken care of.
I was contacted by a debt collector in XX/XX/2016. I made an offer to repay loan. The representative told me he would submit my offer and get back to me. A week went by and I got no response so I called him back left a message. Waited another week called left another voicemail still no response. I was served with court proceedings regarding this student loan. I have been in negotiations with them. I made another offer to repay the loan. The same representative called me back and said the company wanted {$50.00} more a month than my offer. I explained I can not afford this at the moment. Once I pay some other debt off I could make higher payments. He wanted me to submit my personal checking info to his company. I do n't feel comfortable doing this. I would like to work with them but {$150.00} a month is all I can send at this time. He said this will not work unless I give my personal checking info.
I made repeated phone calls to XXXX Navient and told them I was unemployed and could not make payments. They were not willing to work with me at all on stopping the need for payments and negative reporting to the bureaus or even agree to a low payment plan. They were very unreasonable in asking for at least XXXX a month which was impossible for me to pay. This is XXXX of XXXX loans I have with them. As a result my credit has been significantly damaged and now they are suing me and will post a judgment against me. I am a single parent of XXXX children getting assistance from the state for expenses. My original balance of XXXX is now at XXXX which includes the compounding interest.
They called my phone several times. I dont have an income I dont work, I am on medicine. I lost unemployment, I am about to loose my apt , because lack of income. I am not receiving food stamps. They called me saying that they are investigator and they coming tov My house. They said they reporting me to authorities. I told them to stop calling harassing me. I dont have anything.
I had an account with XXXX XXXX XXXX  ( account number XXXX ). This account was charged off. The first delinquency was prior to XX/XX/XXXX. I disputed this with the creditbureaus and Equifax left it on my file. Even the last activity date reads XX/XX/XXXX ... and though that does not represent the last payment date ( which was earlier ), it still falls within the credit bureau guidelines for using 6 years and 9 months for obsolescence periods.

I WANT THIS REMOVED AS PROVIDED IN FEDERAL LAW.
A credit repair firm sent multiple dispute letters addressing a XXXX account on my TransUnion report. This account is listed with a {$0.00} balance but is still being reported as an active late payment account.