WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2017. 

In view of the Equifax problem, I tried to use all the three (  XXXX, Equifax and XXXX ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.
Hi there, I actually completed a loan modification with IndyMac Mortgage XXXX, but shortly after my modification was approved and I started making payments, the loan was transferred over to Ocwen Loan Servicing. They did not accept the loan modification that IndyMac Mortgage XXXX has agreed on and instead raised my payment ( almost XXXX it ). I wanted to see if that was legal and if there are any options that could help me? 

XXXX XXXX
I have reportedly asked that XXXX, XXXX and now the collection company Midland Funding remove this debt. XXXX has agreed to do this and to my knowledge has done so. Midland Funding has not removed the debt.
I tried to receive my annual report and was unable to process it from experian, this is the same if I try to dispute an item. I believe they are trying to keep me out of my report. I can not speak with anyone as there is no customer service number. when I call the number listed is just a message about paying for a credit report. I have no issues accessing any other credit reports ( XXXX/XXXX ) I would like to know why they are keeping from viewing the information they hold about me.
I disputed an account with XXXX XXXX XXXX with Experian and on XX/XX/XXXX they claimed that the company verified the information to them. I find it funny how they verified the information with Experian when I also directly disputed the information with XXXX XXXX XXXX and did not receive validation fully this alleged collection is reporting inaccurately to my report. I was never given valid validation from Experian about this debt how can Experian verify this debt as accurate with the dates all out of sorts they claim this alleged debt was opened XX/XX/2013 but claim the alleged medical service did not happen til XX/XX/2013. I was never provided from Experian are XXXX XXXX XXXX a copy of the hipaa authorization form are any contracts with my signature bearing responsibility to alleged debt. Experian would not give a explanation of how they verified the alleged debt. By no means is this debt valid are do I have any ties to said alleged debt.
I found some fraudulent accounts on my credit report and I sent necessary paperwork to Equifax to have them removed and Equifax has not done anything.
On XX/XX/XXXX XXXX XXXX XXXX XXXX payment applied to the account. Bureau reporting 30 day late in error. Requesting 30 day late to be removed. See bank statement. I have several accounts with Chase and made XX/XX/XXXX payment on XX/XX/XXXX. Supporting documentation attached. Requesting to remove 30 day late for mortgage ending in # XXXX. Bank statement showing payment in the amount of {$620.00} and all other Chase payments were made same date but other Chase mortgages are not reflecting 30 day late. Requesting to remove 30 day late. Chase mortgage ending in # XXXX - monthly payment for the account is {$2000.00} Last mortgage payment made XX/XX/XXXX. I received payoff letter requesting {$770.00} payment. When I tried to pay amount requested Chase web pay and chase auto phone would not accept the payment. I was not aware funds had to be wired resulting to {$770.00} deficiency balance causing my loan to go 30 days past due. Requesting 30 day late payment to be removed from bureau. All bureaus are not reporting same history.
Jefferson Capital Systems , LLC, still insists through   XXXX   XXXX   XXXX   XXXX  , that I should contact   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   in   XXXX   XXXX   Puerto Rico, on a  U.S. Postal Service C ertified Mail Received today,   XXXX   XXXX  , 2017 at our residence, that Monday through Fridays, from   XXXX   XXXX   to   XXXX   XXXX  , I should call them if I have questions, and they want me to pay the whole amount of   XXXX    dollars  XXXX  cents, letter received today included, is in  XXXX  in just one payment? But this account is under a certified payment agreement with the same   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   XXXX   ), and today I made the fourth payment of this agreemen t at    XXXX   XXXX   XXXX   XXXX  , in   XXXX   XXXX   XXXX  , Puerto Rico, see included receipts. I was unable to contact the lawyers listed by   XXXX   XXXX   XXXX   as Jefferson capital Representatives, because not only I saw this letter today after arriving home after   XXXX   XXXX   and I should not wait for this until next Monday, but   XXXX   XXXX   is well aware of this problem, and they should contact Jefferson Capital also, but is not happening.   XXXX   XXXX   has another complaint here about this, number   XXXX   XXXX  , but this one I want to submit against Jefferson Capital and their representatives here in Puerto Rico.
I have disputed items on my report several times,   XXXX   refuse to delete items that have already been disputed on  XXXX . I asked them repeatly to provide me with proof of their verification which they refuse to send me. I also had  2 public Records  listed on my report. law as o f      XX/XX/XXXX s tate if cant verify it has to be removed. well all   XXXX   credit agencies removed  one  of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also  one  of the collections account was removed  ( Interstate  credit collection ) and they put it back with out notifying me withi n 5 bu siness day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method professional Med Adj is undeliverable and how can you delete  2  but verify the oher, please delete
I have called ( In XXXX XXXX ) and wrote a letter of complaint last month about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted. 
All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account. 

Equifax Hard Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit 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 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, XXXX attached to account-legit 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, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Equifax has not followed up with me on prior complaint CFPB XXXX. They are ignoring this complaint. On XX/XX/XXXX, they responded to referenced complaint # that they needed more time to follow-up, and if necessary, Equifax stated they would contact me directly. Today is XX/XX/XXXX. That 's more than 3 weeks later. I have not been contacted. 

Equifax, the answer is easy : please refund my entire year subscription fee since you failed to ever set a fraud alert on any of the credit bureaus during the 8 months that I paid for service. 

Sincerely, XXXX XXXX
XXXX   XXXX  is reporting on my credit reports on all   XXXX   bureaus as if I owe them money and this account was established in  2016.  I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from a ll    XXXX   bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.
WFM h ave ignored my complaints, pretending they do n't exist.   
We settled our mortgage in full with WFM after Wells  agreed to remove the unfair late Charges from our account.They removed over {$5000.00} in late charges.WF claimed it was a 'courtesy'.. while we pointed out WF had lost a similar case in New York when trying to force mortgage holders to pay unfair late fees and had to remov  e the charges.     The same department and employees at  Wells Fargo have been consistently harmful to us.   Wrongfully referring to my serious health problems at  XXXX , making intentional delays to harm us.     Having removed the {$5000.00} in late charges, this department has now very unfairly refused to remove the late harges from our credit reports. _Thereby causing us to lose new mortgages and making it impossible to buy a new home.     We told t his to WFM  but they refused to care or help.     Please could the CFPB help..   Please refer this to th  e CEO of Wells Fargo for a direct response.. ... ..
... ... as this deprtmet at WF ha  s been so biased against us and mean spirited.   It costs nothing (  zero $ )   to  do the right thing, yet they so wrongfully refuse.   They are standing on our throats, ruining our lives.     At my stage of life l want to get my wife settled before l die.
ProCollect placed a {$230.00} charge on the XXXX  web site ( the creditor name was XXXX/XXXX XXXX  ) and was placed on my credit report.

I contacted ProCollect and after 5 minutes ProCollect realized they had the wrong XXXX XXXX XXXX they were pursuing ( my DOB is XX/XX/XXXX, the bad guy was XX/XX/XXXX). I have the Manager of ProCollect contact information as the Manager apologized to me several times about the mistaken identity against me and the case was immediately dropped against me. I then disputed this case at least 4 different times to XXXX to drop this " closed '' case against me ; but for reasons unknown XXXX  refuses to take this fraud off my credit report????
Loan payment processing time within the Wells Fargo banking system. Payments automatically debited/transferred from Wells Fargo accounts take 3-5 days to process, accruing interest on full loan amounts daily.
I was not aware of the number of loans being taken out. I was not aware what it meant to not be an accredited school. The school changed it's name 3 times before I graduated. Turns out I did have about 4 different loans and each one wants payments. I have deferred I am unemployed. I am now in default because I am not sure where all of my loans are. I tried to consolidate at one point but because so many different loans was not able to. I need student loan forgiveness. Now I just had my complete income tax refund offset to a collection agencies for one of the lenders or more.
I have been a member of Barclay 's XXXX credit card for at least ten or twelve years. I am fairly sure that some money was siphoned off about 10 years ago. Rather than fight with them over it, as I believe they went through an acquisition, I kept using the card to build up the 529 college savings  account. I wanted to at least give my granddaughter SOMETHING for books, at the very least! ( No thanks to this XXXX  scam of a credit card company ) I have gone online, called numerous times and done everything I can to get my XXXX   reward money earned put into my checking account, and get an email informing me of that transfer! Please look into this company. I think you will see that they are uncooperative at best and thieving reprobates, at worst.

Also, can you make them CALL ME, and get this straightened out? It seems they 'ca n't understand me ' when I call!
I attended XXXX College XXXX. I graduated in XXXX and went into forbearance in XXXX. During this time ( XXXX ) XXXX XXXX used boiler room tactics to put borrowers into forbearance because they would have otherwise defaulted. Once forbearance ran out and it was time to make full payments, my loan amount had ballooned from $ XXXX to $ XXXX. And overall, from XXXX to XXXX, the amount of private loans that XXXX XXXX put in forbearance doubled to {$2.00} XXXX. 
On XXXX XXXX XXXX XXXX ), a district judge XXXX gave his preliminary approval to a settlement agreement in a class action suit filed by investors who claimed that XXXX XXXX, the giant student lending company, had violated federal securities laws. The class action suit claimed that in XXXX, as it prepared itself for a lucrative purchase by a consortium of banks and private equity investors, XXXX XXXX lowered its lending standards to bolster its portfolio of high-interest-earning " subprime '' private student loans. But, when the economy started to crash and default rates spiked, XXXX XXXX attempted to hide the damage by changing its loan forbearance policy to punt defaults into the future. In the proposed settlement, the XXXX parties agreed to the creation of a {$35.00} XXXX pool to " resolve investor claims. '' That was good news for the investors, and seems like a relatively cheap price for XXXX XXXX to pay to avoid a trial. But the settlement offered nothing to me, the student who was lured into taking out loans to pay for my education. 
I am not looking for loan forgiveness. I am fully prepared to repay my loans, and to date have paid {$64000.00}. My plea is for XXXX XXXX to reverse the exorbitant ballooning I was illegally coerced into accepting in XXXX. 
WITHOUT my consent, or the consent of my Co-Signer, those {$70000.00} student loans have risen to {$140000.00}. If I had been notified by the loan " experts '' that forbearance should be used as a last resort as my debts could quickly double, I would never have opted for the forbearance. I was XXXX years old with no concept of the time value of money and XXXX XXXX revealed nothing more than, just pay an extra $ XXXXmonth and we will put you in forbearance. 
So again, I am not seeking forgiveness of my student loans, I am seeking to eradicate the unethical gains of the disreputable XXXX XXXX XXXX. I did not consent to doubling my loans, and neither did my co-signers. I should not pay any debt that was ballooned by commissioned reps in an unregulated environment where boiler room tactics were used.
Had a medical bill on my credit report from XXXX medical center at the time that the medical incident occurred had XXXX has having it taken off my credit more than once he keeps coming back on my credit report under different collection agencies the debt has been paid in full under XXXX if it has not I did have XXXX would like them to stop placing it on my credit report and a different agencies
My employer made a huge error with my paycheck and I needed funding to assist in a move to a condo. I applied for a loan with Opportunity Financial. Within minutes of completing the process that evening, I began to receive MULTIPLE phone calls from their offices, including into the next day while I was at work, teaching. This was very disruptive and during lunch, I called them and explained that the repetitive calls were unnecessary. As I did not yet have a paycheck stub to send, they closed out my loan application indicating that I could reapply at a later date. The next day, I received an email stating that my loan could not be approved due to 'adverse action ' ( I was told that my paperwork had been closed and not processed due to lack of employment documentation ). 

Once I received my paycheck stubs, I re-applied, attaching my payroll information. Again, the incessant phone calls began. I spoke with someone the next morning, inquiring about the reason for the XXXX phone calls that morning, the XXXX texts that morning, and the XXXX emails, all within a XXXX HOUR WINDOW. They indicated that they had approved my loan ; however, I informed the gentleman that I was speaking with that I had received an email stating that my loan had been denied. He said, " No, ma'am, I just got done speaking with the underwriters, everything is approved, I 'm looking at the paperwork right here! All you have to do is sign the paperwork and you 'll be all set, you 'll have access to the funds! '' I attempted to use the link to sign the paperwork and access the funds but could not. I then received ANOTHER email of denial ( by now, I am pretty confused ), stating that my loan could not be approved. I phoned the company who now tells me that the reason it could not be approved was because I needed a month 's worth of paycheck stubs. The first time it was denied was due to my credit report and the second time, it did not indicate the reason. 

I 'm not sure what this financial lending institution 's goal is : they are DESPERATE for customers it appears based on the insane amount of contact they make BEFORE XXXX even obtains a loan, but they are also very unorganized and unprofessional with regards to follow-up, documentation and correct information. It almost seems like they might get paid for processing applications but decline as many as possible to keep as much money as possible. 

The fact that I did not eventually receive the loan is of no consequence as my employer did correct the payroll issue and my financial standing will continue to improve. I am not bitter towards this company BECAUSE my loan was not approved. I am irritated ; however, that based on the confirmation of receipt of the loan that I obtained from the gentleman, I made arrangements to take a condo. Their business practices leave MUCH to be desired and are deplorable. Something just does not feel right about the manner in which they operate ... ...
They have continually called my home not talking and hanging up. When they do speak it is someone who does not speak good English and hard to understand. We owe no debt to Midland and were told them we do n't know the person yet they still call morning, noon, and night. My last call I called back and requested for them to take my phone number off this list.
I had applied for a loan modification and while I was in the process XXXX XXXX XXXX was simultaneously foreclosing on me. Bayview will keep requesting for the same documents that i had sent to them back and forth and when they did no one will have a look at it. When I contacted them about the intent to file for final judgement that I had received from their attorney and that I wanted to respond, I was assured by the loan servicer XXXX XXXX not to worry because they 'll let their attorneys know that they 're working on a modification with me. Few weeks later I saw someone in front of my house taking pictures only to tell me that my house has been foreclosed. I contacted XXXX XXXX who was my asset manager to let him know what was happening. He told me not to worry because I was in the process of modification so they 'll reverse it. When he tried to get his manager XXXX XXXX to approve the modification he refused. I contacted XXXX XXXX who is the investor on the loan. They told me to contact Bayview and have them modify the loan and rescind the foreclosure. I contacted the Bayview manager XXXX XXXX who was very rude and nasty to me, and he told me there 's nothing they can do since they 've already foreclosed. I told him that i had spoken with XXXX  ID # XXXX from XXXX XXXX and had told me to tell him to modify the loan, have the foreclosure rescinded and notify XXXX XXXX but he refused to even listen to me and hanged up on my. I contacted XXXX XXXX and they told me they were launching an investigation. They assigned my case to a XXXX who was supposed to look into it. Every other day I called to get the status of my case and she was never there to answer the call. I try to speak to a different person and they kept telling me XXXX is the person assigned to my case so she 's the best person to speak it. She finally called me back on the XX/XX/XXXX and told me she 's trying to get my loan modified and that I should give her few more days. Prior to that she had requested I fax her all the paper work and my modification application to her which I did. She also told me that she was able to track my email conversation and the documents that i had sent to bayview to modify my loan. She told me that all foreclosure activity was supposed to cease when i applied for a loan modification. She assured me that she 'll work on my behalf and get my loan modified. To my amazement I receive a notification from XXXX today that my house is being auctioned. I have being lied to and treated unfairly by both Bayview loan servicing and XXXX XXXX. My children and I are going to be homeless
Equifax got hacked and took 1 month to tell us about it. All of my personal financial information is out there in the open. I ca n't just change all of my account numbers. This hack is going to follow me around for the rest of my life. 

To top it all off, Equifax wo n't even give us lifetime credit monitoring. They give us a year, at most, if we agree not to sue them. I have to freeze my credit now, and these XXXX are making me pay for the privilege. Their incompetence is costing me money.
The three credit report bureaus keep saying that my score is lower than it should be because of a delinquent payment. They cite a 30 day missed payment in XXXX to XXXX XXXX. This is inaccurate. XXXX has no record of it a missed payment. I would like this off my account so it is not affecting my score.
1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts2. I have been unsuccessfully trying to get removed the XXXX collection account, " recovery '' item also agreed to by XXXX to remove in the attached e-mailThank you for your helpXXXX XXXXDOB : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX : XXXXXXXXXXXX : XXXX
I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked Equifax XXXX XXXX to validate as well but they fail to do so. They tell me that I have to talk to the XXXX XXXX. Equifax XXXX XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified Account
I was contacted on the telephone by an agent from National Credit Adjusters in XX/XX/XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at XXXX XXXX. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all XXXX agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.
I found that Citi / AAdvantage Platinum Select Card charged me an additional {$0.00} on almost all of my credit card charges in 2015.
I disputed my issue with PayPal after I was scammed by a seller on XXXX weeks ago. I have shared all my documents and disputed with my bank. PayPal issued me a credit of {$9.00} and took it as a refund as my bank hasn't decided. PayPal seems to be corrupt and doesn't seem to favor consumers.