WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax, the agency that just does n't play well with others ... I had XXXX mortgage, not XXXX back in XX/XX/XXXX with XXXX XXXX XXXX loans, it was an interest only ARM loan that I should not have ever agreed to. As the it adjusted annually and our incomes declined we sent in multiple requests for help, lost paperwork, lies, threats, disappointment and then more lies. At least XXXX trees worth of paperwork. then it was transferred, I swear at least 3 times, I received a notification it was being serviced by XXXX from XX/XX/XXXX thru XX/XX/XXXX. Eventually we hired an attorney and after 2 attempts, the loan was finally modified. These places were very understaffed and overwhelmed I am sure. Mistakes happen and mistakes were made, were all human. As you can see, even though we received a settlement from XXXX, XXXX XXXX still continues to retaliate or more likely Equifax never really checks, they just say, " oh, sure we did and that 's what they are telling us '' then I receive more secured credit card offers, we all know what they are doing. You can see FH reports separately from the current mortgage holder, so it appears as XXXX different loans. I had the other bureaus contact them and they are reporting XXXX as agreed with no lates. I made the less than full payments as required for modification and eventually they completed the modification, took from XXXX XXXX to XXXX XXXX but, they pulled through for us. XXXX is AWESOME! In turn, they are not reporting in error for the time it took to process and the fact I sent them over $ 40k to catch up probably helped. What Equifax is doing is just frankly really uncool to me, they should delete XXXX XXXX, the last payment was in XX/XX/XXXX anyway and report XXXX the way the other bureaus and us agreed it would be reported. Let 's all move forward. thank you always, you are really amazing resource for the consumer.
I satisfied a NYS lien that is being reported on my credit report with Transunion I have asked for this to be investigated and removed but have received no information for the second time from Transunion
I opened a credit card with Home Depot. I did not get a bill, so I had called them. At that point they assessed a {$35.00} late fee. I paid the bill in full for my purchase, which they have confirmed, but then they added another fee of {$35.00}, beginning back in XXXX of 2015. They keep adding a fee each month even though it is paid off.
had a home equity loan with Roundpoint Mortgage servicing corp. got in financial bind tried for over one year to work out something with this co. but was told this loan was due and had to pay all of it {$47000.00}. WE WERE CURRENT WITH our first mortgage so Roundpoint foreclosed.we would have loved to stay in our home of 16 years as my wife and I are on XXXX. I just think this co.was unfair to us @ this time our country was coming out of a recession.It has been 7 months since roundpoint foreclosed but has not recorded deed to the property. thanks
Both Sears and XXXX XXXX sent what appears to be advertisements. I do not always read these items. But what has happened is they sent a notice they will be converting my store cards to a MasterCard if I don't contact them by a certain date. I happen to travel at times and do not always read these notices. Both Sears and XXXX XXXX  have converted my account because I did not contact them by the deadline. Sears refused to change it back to a store card. I feel this practice is deceptive. If I want to open a Sears MasterCard or a XXXX XXXX MasterCard then I will apply for one. That is how it works with any other credit card - you apply for it. I this it is completely deceptive to just change a persons account. I did not apply for MasterCard with either of these vendors. XXXX XXXX has now begun the same thing. They sent the first notice which we opted out of. Now we have to watch every document that XXXX XXXX  sends because they will continue to send these and provide us deadlines hoping that we miss the deadline. XXXX XXXX wants us to change to the XXXX XXXX  XXXX XXXX Card. Something really needs to be done. At the very least I should be able to opt out only once and not have to continually monitor my mail to ensure I do not miss the next opt out date. As far as Sears and XXXX XXXX - they have lost my business permanently. I will never shop for another item at either store, and their MasterCard will remain in a drawer unused.
These people are calling me about a debt I never heard of. On top of that they say there is XXXX debt from 2007 and XXXX from earlier than that. XXXX past SOL, IF they were my debt to begin with. I want this company to cease and and all communication with me ASAP.
This is my 4th attempt at getting this resolved with Equifax. I have notified them via 2 CFPB complaints AND via certified letter ( USPS ) that the phone number listed on my fraud alert is over 10 years old and they have not updated this information.
This has stopped me from obtaining any new accounts over the past 4 months.
The original loan was for {$250.00} through XXXX XXXX  who has written it off and sold it to XXXX XXXX. Who call me cell phone repeatedly daily, call my work and say they are calling on legal arbitration charges, say they will be at my work or my home within 24 hours where ever they can find me. Stated that they are suing for {$3200.00} from a {$250.00} loan. They are calling anyone they can get in touch with and giving out my personal information, as well as harassing, false representation, pretending they are an attorney, calling from local numbers that you cant call back due to them being disconnected. I have also not received one notification from this company at all showing what I owe, what the original loan was for. I have asked for all of this and I get nothing in return. Stating Ive failed to comply, how am I supposed to comply when I have nothing in writing to verify this is correct. I dont pay people over the phone, I dont deal with harassment over the phone, nor do I deal with frauds. Also their company and phone numbers are plastered all over the internet as scammer, be aware, do not give any information to these people. Their number is XXXX, theyve also called from XXXX
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OPN XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.
This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with  XXXX  and TransUnion.

  XXXX   XXXX   XXXX   XXXX   # XXXX 
  XXXX   XXXX   XXXX   XXXX   DE  XXXX 
  XXXX   XXXX   
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   
>Maximum Delinquency of 120 days in   XXXX    and in
 XX/XX/XXXX <
High Balance: High balance of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX       XXXX   XXXX
In XX/XX/XXXX I disputed an account that appeared on my credit report from Navy Federal Credit Union. This accounted was paid and settled ( CLOSED ). 

Today ( XX/XX/XXXX ) I am receiving emails saying that I have missed payments from this account and my credit score has dropped 24 points over this. 
This account is CLOSED-SETTLED. 

However for some reason they have listed 'Between XX/XX/XXXX and XX/XX/XXXX your NAVY FEDERAL CR UN automotive account balance decreased by {$1900.00} from {$8100.00} to {$4100.00}. ' I have spoke to Navy Federal on the phone today ( XX/XX/XXXX ) and they stated all three accounts I had with them have been settled and are closed and that I will have to file a dispute AGAIN to fix their error. I should n't have to go out of my way to fix someone else 's error.
I got an online credit report from Experian, and saw that there is XXXX on the name lists is not my name, it 's my middle name and first name but I 'm sure I never use just XXXX of them before, I always use my short name : XXXX XXXX or XXXX XXXX XXXX XXXX for full name, sometimes XXXX XXXX XXXX but never use XXXX XXXX, so it 's not belong to me but the name is in my credit report? 
On the other hand, there is XXXX address I never see before in my address list which is in some below lists showed up that address tried to apply to credit by my name and information, i never live in XXXX, the only State I have been living is XXXX and only XXXX. This is totally looks pretty weird to me who never transfer out of XXXX XXXX. Please help me double check my name and address information. 
Thank you, XXXX XXXX
I am still in the process of dealing with original hospital and the drs company is now handled by a new company. I have insurance that pays 100 % and they did not cover the dr for some reason. So I filled financial assistance, It was approved. I mailed to the drs office forever ago. I never heard back. I assumed it was taken care of. Then Went to get a loan. She said I had a medicle bill that was on there with XXXX. I was like what is that. So I googled. I called XX/XX/XXXX. Since then 8 calls in 2 days, I called first just to see what it was. I have a life. I am not able to drive to the hospital and figure out what to do at this time. I called left voicemails. I am trying to get the thing saying I was approved! I am unable to pay it. I really wont get the money within 2 hours of each call. It might take me a year to save the money. I have a lot going on at this time. I am unemployed right now. My son passed away in 2017. I am not doing so well. So in debt all over. Its a disaster. I get calls after I explained to one person. Then if I am driving and someone answers they demand to talk to me. So driving on XXXX looking for an exit was fun. She remembered I was supposed to call her back and got off the phone after I yelled at her. Then calls keep coming in. Ive asked them not to call me. I am over it. I cant pull money out of thin air. What money I do have will be going to my sons headstone! My credit is the least of my worries! They are heartless and dont even say sorry for your loss and have no compassion!!!
I applied for an American Express Platinum card on XX/XX/2016 that included a new account opening bonus of XXXX membership rewards points after {$3000.00} of spending in the first 3 months. I satisfied these requirements on my account and XXXX points were awarded to my account on XX/XX/2016. On XX/XX/2016 there was an adjustment made to my account and American Express removed the XXXX points from my account. When I called, they said some of my purchases did not qualify. I complained that they should have let me know that within the first 3 months before awarding the points and giving the cardholder the impression that all requirements were met. By the time they made the adjustment to my account, it was over 4 months after the account had been opened and outside the first 3 months for the offer. They refuse to grant any sort of extension. The only option they gave me was to file a complaint with their rewards department which will take 6-8 weeks for a decision. If the outcome is not in my favor, I would want to cancel the card however they only allow 60 days for a full refund of the {$450.00} annual fee. After the 60 days it is prorated, so as I am waiting 6-8 weeks for a decision, I will receive less and less of my annual fee back if I cancel the card. American Express is acting irresponsibly by holding the cardmember at their mercy. They entice you to apply for their card with an attractive offer, use a technicality to void the offer AFTER the bonus period, and then continue to hold onto your money while they review your case. I 'm appalled that they can get away with these practices, especially on a premium credit card with a high annual fee. I would like American Express to reinstate the points that they awarded me or refund me my full annual fee if they do not do so.
This complaint is about the XXXX XXXX American Express Card, which is XXXX XXXX  XXXX XXXX. I opened this card in XXXX, but closed it on XX/XX/XXXX for reasons unrelated to this complaint. At that time, I made a full payment of the payoff amount ( {$1400.00} ), as communicated to me by the customer service agent. When I login to the management website, the account is confirmed to be closed. 

However, the card has continued to accrue interest and XXXX continues to send me mail related to payments scheduled against this account. I have previously called them about this, and have been told to disregard the notices and that my account is closed. Yet, on XX/XX/XXXX, XXXX withdrew {$9.00} from associated checking account with the memo " Auto Pymt ''. XXXX has not closed my account and is withdrawing funds from my account to payments against an account I have already paid off completely.
this company has continued to try to report this debt when I have sent them copies of the information that they have requested such as the police report and notarized copy of id theft affidavit. I have and will again send/attach with this complaint the police report and id theft affidavit - notarized. so that the cfpb can see for yourselves the information that has been sent and is being ignored.
I applied for a Chase United Club card and received an e-mail XX/XX/XXXX saying it was approved but I never got the card. I called Chase and they said wouls send another which I also never received. I then got a bill for the club fee yet had no credit card. I called Chase again and they said they 'd send another card which I asked be sent to my office. I was away on a business trip and just received the car this past week on XXXX XXXX. I activated the card on XX/XX/XXXX and found out that a late fee had been charged to an account that had not been activated, which does n't seem fair. I called Chase and they said they 'd remove the fee but it would take 2 days. When I logged onto the account 2 days later to pay the bill for the club fee, I found out the account had been closed.
My family I lived in the XXXX XXXX area all of our lives and I personally want to spend my retirement years in our XXXX home. I have seen good times and bad due to the economy and had been struggling in recent years due to a short-term job loss. Like you, I have provided XXXX. Unfortunately, I may be forced out of my home by my mortgage note holder, Citizens Bank since they have not been willing to work with me to retain my home. The only communication I have had with them is how much I owe on my mortgage and how to pay them. They have no interest in helping me and it appears as though they just want to take my home away via foreclosure. I have tried to obtain an affordable loan payment, but my requests for assistance have been ignored. 
I have a government insured loan and I am being denied access to options that are supposed to be made available. Further, I am certain that Citizens Bank would see clear to help me if I could engage someone above the line staff level to resolve my mortgage issues. I would like to see if you could help me speak with someone who can understand my problem and get the ball rolling on resolving my mortgage. 
In XX/XX/XXXX, Citizens Bank added {$310.00} per month to my regular payment. The payment climbed from {$450.00} to {$760.00}, no warning, and no type of correspondence providing this change in payment will take place. 
When I first applied for the purchase of my new home. I jumped through hoops trying to get qualified. They ran my credit, verify my household income, requested my paystubs and income tax return for the last two years. My application was fully documented. The underwriter reviewed my present financial situation and qualified me for a certain loan amount based on my yearly earnings, expenditures, to XXXX that fit my budget. 

XXXX XXXX if I went through all the red tape to qualify keeping me at an affordable mortgage payment and purchase price range. Why would they make a decision to increase my mortgage payment, if I knew this was going to happen? I would have never applied, and avoided the predicament me and my family is in. At the time my job cut my hour 's temporality. 



XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXXXXXXThis is what caused my mortgage delinquency. I showed good faith and tried to get back on track with my mortgage payments. By providing partial payments, for {$1300.00} from the {$4000.00} that I owe, back in XX/XX/XXXX. They demanded the lump sum paid in full, and Citizen bank refused any more partial payments, thus I could n't afford this caused me to fall further and further behind.
Two tax liens are incorrect and reporting with Transunion. I have searched my name under Georgia Department of Revenue site under delienquent taxes and results list " no date found '' ( screen shot attached ), at the following Georgia State Department of Revenue website below XXXX/Search.aspx
Left numerous voicemails that my local sherriffs dept would file a warrant for my arrest unless i paid within 30 minutes, they would find me and arrest me.
I opened a {$50000.00} Home Equity LOC with Bank of the West in XX/XX/XXXX. I never used the account or had a balance. I requested the LOC be closed in XX/XX/XXXX and still reflects as current and open on my Credit Report.
On my Experian account there is a company reporting a collections account. I have filed a dispute with Experian and all they did was send a notice to the collection agency and did not ask the collection agency ( XXXX XXXX XXXX ) if they had documented legal proof that I owe this debt. I visited the office of this collection agency ( XXXX XXXX XXXX XXXX ) in XXXX, AZ. and they could not provide any documentation of any form. I sent them a registered letter requesting such information and I also contacted the physical therapy office and they could not provide any proof either, nor have they called me with any status regarding the claimed debt as they promised. I advised Experian and asked them why they did not require documented proof from the collection agency and they responded that the business can report to them any information that they want. I asked if they require the reporting business to have or provide any type of legal documentation indicating that the person that they are reporting negative information on their credit report, they indicated that no basically the reporting company can report whatever they want and Experian in their dispute process will only ask them if they want to continue reporting the information, whether or not they have any legal grounds to do so. 
My complaint is that the credit reporting agency in their dispute should require that the reporting client of Experian should be able to provide legal documentation regarding the information that they are reporting, especially in this electronic age where the information could easily be provided. And if the creditor or collection agency can not provide such documentation then it must be removed. 
If this agency had any legal documented proof they would have filed legal action against me long ago, as I have lived at the same address for over 24 yrs.
American Express offered me XXXX member rewards points, XXXX points after my first {$5000.00} in spend and another XXXX points after my next {$5000.00}. I met both of the spend requirements and received those points, however now, american express has put my account in a review process and frozen all of my points, which include XXXX points that I had prior to this deal and the XXXX points that I just received. I have called and spoke with them to ask them to unlock my previous points ( XXXX ) and make them available for me to use because I need to use them on a flight coming up in 5 weeks, however all American Express keeps telling me is that my account is frozen until the review is complete which could take 6-8 weeks, which will cause me to miss my trip and other issues.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise..

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( showing multiple entries on my credit report ), 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
A debt collection company XXXX XXXX using several different phone numbers continues calling my house for a debt that is not mine. The phone number they are using currently using is XXXX but they have called using several different numbers.
unlocking my credit removing all statements on my freeze and fraud alerts XXXX has failed to honor my request
I will apply my legal options to sue XXXX XXXX for false advertisement and taking advantage as I am a XXXX woman and discrimination due to my race as XXXX XXXX. 
XXXX XXXX advertise Earn Rewards* Every Time You Shop. You will get {$10.00} Rewards* for every 400 points earned at all XXXX XXXX. {$1.00} spent = 2 points earned. 
I spent {$270.00} out of {$500.00} which XXXX miscalculated I have {$100.00} left. I used my XXXX XXXX card one time for purchase {$220.00} however when I called them the account manager was so rude malicious and discourteous, that he refused to investigate the issue. 
The receipt I am providing, attached will demonstrate that the shipment was spilt up the points I earned and the amount calculated with shipping cost {$15.00} : {$84.00} which I earned XXXX points {$82.00} which I earned XXXX points {$59.00} which I earned no points As you review the transactions of the order receipt ( See Attached ) : Order Number : XXXX its a breakdown of the products I purchased by XXXX XXXX customer service which demonstrates that I purchased : {$82.00} I ordered boots {$82.00} I ordered Fragrance and Perfume {$59.00} I ordered a reef for my door and black leggings The shipping cost for all these products purchased was {$15.00} which gives a grand total the purchases I ordered {$220.00} However, when you review the credit card account activity that XXXX XXXX break down of what I purchased. XXXX XXXX   input as the transactions Bath products which I never ordered any bath products at all. Someone at XXXX XXXX credit department input the activity with the wrong transactions and falsified what I purchased, I never ordered any bath products. 
Please review attached ( See Attached ) XXXX XXXX input false transactions on what I purchased on my XXXX XXXX credit card activity I & II XXXX XXXX must have competent employees to input the correct transactions I purchased which I never purchased any bath products and correct the rewards program. 


The rewards program XXXX XXXX states that I earned XXXX points ( see Attached ).  Then as I look further in the website XXXX XXXX states that I earned XXXX points, this is unacceptable.