WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to access my Equifax file numerous times over the past couple of months. Each time I am given inaccurate security questions and told I have to write in with additional documentation. I am not comfortable sending a copy of my SSN through the mail. And I believe this is a problem on Equifax 's end. I just want to be able to check my report like I do with the other services.
I tried to fix a issue with XXXX XXXX XXXX ( XXXX XXXX XXXX ) loan starting in XX/XX/XXXX through experian and they said it was already fixed and they couldn't do anything else I entered into bankruptcy protection XX/XX/XXXX  and XXXX XXXX entered a " Failure to pay '' for the month of XX/XX/XXXX Im only asking them to abide by the laws and remove the failure to pay from my credit reports but they refused to remove it.

thank you XXXX XXXX XXXX XXXX.
Freedom Mortgage company bought my mortgage from XXXX XXXX company in XXXX 2015. I made my last payment to XXXX in XXXX 2015 and every payment after to Freedom Mortgage. XXXX sent the XX/XX/XXXX payment to Freedom Mortgage 3 days after they received it from me. In XX/XX/XXXX I sent 2 payments to Freedom Mortgage, one I put a stop payment on because I had the wrong account information on it the other had the correct account info. 

I have sent Freedom Mortgage proof of payments for each month ( XXXX XXXX {$940.00} electronic payment to XXXX, XXXX XXXX {$940.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom ). I have been trying since XXXX XXXX to get Freedom Mortgage to apply the payments to my account and bring me current but to date they still have not. I also had an escrow balance that was transferred from XXXX to Freedom but they ca n't tell me much about that either. 

I keep getting harassing phone calls and threatening letters from them even though I have sent them the proof of payment that they requested. I even had a 3-way call with XXXX and Freedom Mortgage where XXXX tried to tell Freedom that they received the money and within 3 days transferred it to Freedom, but even that was not good enough. 

So six months later, after talking to supervisor after supervisor and being promised to resolve the issue or escalate it higher, I still can not get this issue resolved. I have been accessed late fees and negative marks on my credit file all because they are not willing to do their job. 

How is it that a mortgage company can get away with destroying a person 's livelihood and credit? Who holds these people accountable? I think Freedom Mortgage is in the business of hiding or conveniently misplacing payments in hopes of a quick and easy mortgage take over. This company should be investigated because of their questionable business practices.
Cap One Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.
This company has been calling my residence every day around noon to inform me of a bogus civil filing against me. They want me to call their number to pay. I told them to stop calling me with this nonsense. That if in fact there is a civil filing and law suit to send me the civil filing and I will have my attorney address the matter. I have not received anything in the mail other than harassing calls and unethical letters saying there is a debt but no proof of where this is from. I do not owe anyone or any company money. My credit cards are to date with their payments along with all my bills. I have also filled a complaint with the Federal Trade Commission and Consumer Protection Services and the XXXX
I opened an account online with XXXX XXXX on XX/XX/XXXX through a link they were promoting at the time to receive a {$150.00} sign up bonus. I opened the account through the link online and met the direct deposit requirements within 60 days as they acknowledged in their delayed response in their secure message response ( late XX/XX/XXXX),  after messaging them at least 1-2 weeks earlier. After having already waited beyond the expected timeframe of ~90 days following direct deposit for bonus to post, I still have not received my bonus. I then messaged them again and then they told me to wait 90-145 days after opening the account. I opened the account on XX/XX/XXXX. It is now XX/XX/XXXX, nearly 5 months later ( beyond 145 days ). Still no bonus.
This debt originally from XXXX XXXX was placed on my credit reports. It was originally placed with XXXX company and then disputed with the bureaus and ultimately unverified and the removed. It has now been placed with Afni in attempt to collect this debt that does not belong to me. This account has been placed on my consumer reports again under a different collection agency, Afni.
Entered into a loan modification earlier this year with Ocwen. I discovered on XXXX/XXXX/2017 that XXXX XXXX XXXX XXXX is listed as the servicer of our loan with XXXX XXXX. Ocwen also claims to be the servicer on our loan per the modification documents we signed. Since we signed a loan modification with Ocwen that states that Ocwen is the servicer, buXXXX XXXX XXXX XXXX XXXX is being reported as the servicer on the same loan, Ocwen made false representations and statements to us that Ocwen was the servicer of our loan when Ocwen is not the servicer of the loan per the records of XXXX XXXX.
M & T BANK purchased my mortgage loan for my home XXXX XXXX XXXX XXXX GA XXXX loan XXXX ) XXXX XXXX, XXXX the principle balance transferred from XXXX Mortgage. $ XXXX XXXX statement showed I owed XXXX There were no missed payments.I contacted M & T numerous times who transferred me to XXXX XXXX XXXX XXXX XXXX They instruct me to write a letter, I do but they never send the information explaining how the principle went up by $ XXXX Little Mortgage Customer Support, Retail loan Servicing did mail me a letter stating the principle was {$230000.00} when M & T purchased the loan. After written request my questions where never answered why the principle when up on a 30 year fixed mortgage.I called today XXXX and was told the request would need to be in writing again. XXXX XXXX wrote me a letter, confirmed the starting balance {$230000.00} XXXX. She referred me back to XXXX XXXX if I had further questions, which is there General Customer Service line, they tell you to write another letter.What I keep asking them is how did the fixed mortgage increase by {$5600.00}. with no missed payments.
I was told that my credit information was safe and secure with Equifax. However, my personal information is at risk due to the recent cyber attack.
In XX/XX/2018 someone claiming to be an agent of XXXX XXXX bilked me of nearly {$500.00} via American Express prepaid cards. Details are in the attached correspondence with American Express. Instead of getting down to work and identifying the merchant whose account was credited, American Express keeps sending me stupid unsigned letters asking me to go through their telephone XXXX, although I have several times told them I will not do that. If they want to talk to me by phone they can use my home telephone number, which they know. They also talk about using email, but they have my email address. Someone in the fraud office of American express is doing nothing about the case except sending stupid letters. This has been going on for over a month.
I turned in my leased vehicle to JPMorgan Chase 2 weeks prior to the lease end ( after speaking to their representatives at least 3 times to see what if any charges would occur for the 'early ' termination - they indicated XXXX ). A few weeks after the vehicle is turned in, I get a 'bill ' detailing damage that did not exist when I had the vehicle. I I spoke to Chase employee XXXX ( # XXXX ) on XX/XX/XXXX and XXXX ( # XXXX ) on XX/XX/XXXX appealing the damages and requesting pictures. On XX/XX/XXXX I issued payment ( notifying Chase via email and letter ) that covered the disposition fees and final payment - this was done at the request of XXXX ( # XXXX ) XX/XX/XXXX I receive yet another bill from Chase for the vehicle. I called Chase again speaking to XXXX ( # XXXX ) who said that the damages were waived but I was beeing charged 'early termination fees ' - though my XX/XX/XXXX/XX/XX/XXXX conversations with them said that this 'fee ' would not apply to me. I then asked to speak to a supervisor, finally reaching XXXX XXXX. She heard my story, asked for time to research and would call me back. She called the next day while I was in a meeting - when I called her back she was unavailable and I then left a message. I called back again on XX/XX/XXXX ( speaking to XXXX - # XXXX ), XX/XX/XXXX ( speaking to XXXX # XXXX ), XXXX/XXXX/XXXX ( speaking to XXXX # XXXX ), XX/XX/XXXX ( speaking to XXXX again # XXXX ), and XX/XX/XXXX ( speaking to employee # XXXX ). At no point did XXXX XXXX ever return my calls. Finally on XXXX/XXXX/XXXX I was able to speak to XXXX ( # XXXX ) who agreed to halve my still disputed balance. He needed to get final approval and would call me back that day ( he did n't ). He would also re-request the pictures I asked for months ago but never received. On XX/XX/XXXX I re-called XXXX ( # XXXX ) and was told that my account was moved to the Internal Recovery Department and now longer with the previous department. I demanded to speak to XXXX ( # XXXX ) who acknowledged our deal and agreed to 1 ) take payment for the agreed-to amount, 2 ) let the new department know that I had made payment, and 3 ) the account was now officially closed and in good-standing ( no reporting to Credit Bureaus, no collections, etc. ) Payment was indeed taken via phone and was taken from my personal bank account on XX/XX/XXXX. I considered the issue resolved. Today ( XX/XX/XXXX ) I received a call from a collections agency telling me that I owed the original amount and that they did not show my payment in their system. I initiated a dispute and then recalled Chase speaking to XXXX ( # XXXX ) who would not/was unwilling to transfer me back to XXXX. Instead I was sent to XXXX ( # XXXX ) who told me that even though she can see the agreement in her notes I need to re-contact the Collections agency to initiate a dispute and there was nothing else she could do. Unfortunately, the dispute resolutions person is currently out of the office - of course. I notified her that I would be contacting XXXX, the CFPB and that I will never, ever, ever, use JPMorgan Chase again.
I paid off my home 28 days ago and still have not received the balance of my escrow fund from PHH Mortgage
On XXXX XXXX I was called by a man named XXXX XXXX from a debt collection agency named GF group stating that I was going ti be sued by XXXX XXXX bank for a debt of {$1200.00} and I can settle this debt by paying {$25.00} on XXXX/XXXX/15 and then {$480.00} on XXXX/XXXX/15 He haf said that by XX/XX/XXXX it will appear on my credit as PAID IN FULL he did send me an agreement letter via my email : XXXXXXXXXXXX which I do have. After checking my credit report I still do not see this on my credit and it is also a different amount I owe. I have called him numerous times and he says it takes anywhere from 20-30 business days.
Hello CFPB, Paypal permanently limited my account out of nowhere over XXXX months ago claiming my account was high risk and falsely claiming I operate a MSB. On XX/XX/2016 they limited me for the first time after my first week of using Paypal to sell. I explained to them what I was doing and eventually they said I was clear to keep going and on XX/XX/2016 they restored my account. 

Fast forward to XX/XX/2016, the Paypal compliance department emails me saying my account is to high risk. They also claim the exact same thing I got permission to keep selling from a Paypal employee when I got unlimited in XXXX 2016 was not allowed. I originally submitted my business model to them when they first limited me in XXXX and they cleared me to keep going, a Paypal agent personally told me on the phone on XX/XX/2016 that what I was using Paypal for was allowed. Regarding them saying my account is high risk, out of over XXXX people I had transactions with on Paypal XXXX only XXXX people ended up disputing a payment with me. XXXX of the cases were cancelled by the buyers who filed the disputes before Paypal even had to make a ruling after I contacted the buyers myself and got the situation sorted, the third case was originally a loss but I appealed it afterwards showing the ID verification I got from the customer and the logs on their account proving it was an authorized transaction and ended up winning that case, and the last and only transaction I actually lost out of over $ XXXX volume I did on Paypal in the span of 7 months was for {$5.00}, and the buyer who filed the dispute on me also filed disputes on over XXXX other people, it was a blatant scammer who stole from multiple people including me. The reason for my near flawless record is because I have a KYC policy and verified every customer that I had on Paypal, I even offered to send Paypal compliance department all of these records but they just responded with their default appeal declined email. 

It is now XX/XX/XXXX and Paypal compliance department and Paypal themselves continuously maintain that I am permanently limited from Paypal forever. The worse part of all of this is that I had over {$720.00} in my account when I got limited in XX/XX/XXXX, and they refuse to let me withdraw the funds until after half a year! Nearly got kicked out of my apartment because this company is careless and has complete disregard for their actions, just go ahead and seize {$720.00} from me out of nowhere and hold it for half a year, thanks Paypal!
On XX/XX/XXXX, my account was positive {$20.00} dollars and {$20.00} in my savings. On XX/XX/XXXX, I was charged with 2 separate {$35.00} overdraft fees and 1 {$12.00} overdraft fee. Despite no extra transactions taking place on XX/XX/XXXX, I was wrongfully charged. The company was Bank Of America.
I have a checking and savings account with Wells Fargo as well as a credit card through them ( which I did not ask for, but that 's a separate complaint ). I get paid on Fridays and over the weekend I made several purchases which posted as they were meant to on Monday. On Monday evening I logged into my online banking to check my account before sending {$20.00} to my credit card and then making a purchase with money I sent from my savings account. This morning I saw that my purchase had been shipped and so I logged in to my Wells Fargo online banking only to find an overdraft of {$35.00} on my account ostensibly for the {$20.00} I had sent to my credit card the night before. I have attached a screenshot of my online banking taken around XXXX on XXXX/XXXX/16. 
When I called Wells Fargo to ask them to explain why they had allowed a payment from that account ( I have it set to decline any charge which would cause an overdraft, something which they have repeatedly abused ) if there was n't the {$20.00} in that account, they said that after that charge, which on the online system is listed as the cause for that overdraft fee ( not the other purchase I made, which posted on Tuesday ), I had {$13.00} left in that account but they were not authorized to refund me the overdraft fee, even though it was clearly and obviously fradulent. 
Now, because I have a {$35.00} overdraft fee I ca n't cover the purchase that went through Tuesday, and will have to get another {$35.00} fee on that purchase. I 'm going to try to go into my local branch but you 'd think that a ), they would n't have let the payment to my credit card go through if that money was n't in the account ( which there was ), and b ), would either have been able to refund me the {$35.00} overdraft fee so that I could pay for the new charge, or at the very least, c ), would cancel the new charge so that I could resolve the problem without incurring a second overdraft charge. This is RIDICULOUS, and it happens with Wells Fargo all the time. 
In addition to this latest outrage, I have caught them several times re-enrolling me in the system that allows overdrafts to happen, a system which is legally supposed to be opt-in, not opt-out. I 'm about to move on to a credit union, but I 'm on a budget and I simply ca n't afford another spurious overdraft fee. Thanks for any assistance you can provide.
I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS
My daughter has a private student loan with wells Fargo. She has truly a high monthly payment which she was making initially, with my assistance. Then when she could no longer make the higher payments, she called wells Fargo, to see if they would accept lower monthly they payments, they refused to work with her. She started sending them what she could afford, which was {$300.00} a month and now her account is in default. She called them again and they still refused to work with her on a reasonable monthly payment. She has been receiving several harassing phone calls and several letters. She 's at her wit 's end and does n't know what else to do.
Starting around   XXXX   XXXX   I 've been attempting to pull my annual report from Experian via  XX/XX/XXXX      Since then, I have been unable to pull my report. Every time, I get an unspecific error message about " a condition exists ... '' that prevents them from giving me an online report. The fact that this error has persisted for nearly a month is unacceptable and needs to be fixed.     Please work with Experian to fix this " condition. ''
I have been banking with Bank of America for more than XXXX years and had no issues with them until recently. Several years ago, they enticed me into signing up for a preferred debit card. They explained to me that this card could be used as a credit and debit. When I would use the card to purchase items, some stores would swipe it as a credit card and I did not have to enter my PIN as they say they were not equipped to use it as debit. I thought that I had no other credit card with the Bank as it was a part of the XXXX card. In XX/XX/XXXX when XXXX XXXX through XXXX of its subsidiary, XXXX was charging {$29.00} to the card ending in XXXX, the Bank was automatically doing a direct debit from my account. When I reviewed statements, and only saw a direct debit payable to FIA Card Services, I thought it was the amounts which were charged to my card when the stores could not debit it. Since I did not anticipate charges on any other card, I did not question the bank as I trusted them. I do n't recall authorizing the Bank of America to debit from my debit account any amounts from a credit card ending in XXXX. I do n't understand how this happened. When I discovered a scam on my debit card in XX/XX/XXXX I went to the branch of Bank of America at the corner of XXXX XXXX and XXXX. I cancelled my debit card and asked the manager, XXXX for a payoff amount to pay off the outstanding amount on the debit card. The manager told me that there was a separate card out there that only a XXXX was charging {$29.00} a month to since XX/XX/XXXX. I could not believe it and immediately called XXXX and the Bank 's fraud department and everyone to help me straighten it out. XXXX XXXX XXXX XXXX XXXX returned XXXX of the charged to the account and approximately XXXX are outstanding. I spoke with many managers and customer service representatives of the Bank and they say they can not help me. Their fraud department said it is not fraud. If it is not, they must be in concert with XXXX or XXXX. I requested an account of all charges ( what items were purchased ) for the amount that the Bank say is outstanding on the card ending in XXXX and to date the Bank have not provided me with that. The last person I spoke with at the branch bank, XXXX said that the Bank of America and the credit card division is separate entity and they can not help with them even though it is someone at the branch bank who signed me up for the card ending in XXXX. I do n't understand what is going on, but please have the Bank go after XXXX for whatever they claim is owed to them. They keep on harassing me for payment. The Federal Consumer Protection Agency and FTC said that the FTC have a settlement claim against XXXX and Bank of America, yet Bank of America refuses to give the form the Federal Consumer Protection Agency instructed me to get from them.
Experian Credit reports state XXXX score is based partially on the number of inquiries. Experian report shows multiple entrances of an inquiry by THE SAME BANK, ON THE SAME EXACT DAY thereby increasing the inquiries exponentially while decreasing my XXXX score for a none existent reason. Ex : XXXX XXXX ( XXXX times ) XXXX XXXX ( XXXX times ) XXXX XXXX ( XXXX mos in row? ) Experian XXXX ( why show your own inquiry ) Out of XXXX inquiries there were only XXXX I was responsible for. Why are there XXXX inquiries I had no control over. How can I stop future inquiries that are not requested nor required?
On more than one occasion, navy Federal offset a late payment from my checking account without proper authorization. Several times, the payment has been automatically collected by their automatic collections system. To be specific, the most recent offset occurred XXXX XX/XX/2018. It is my understanding that federal regulations protect me from these sort of collection processes. Also, I was assessed a late fee on XXXX XXXX which is when my loan is due and the payment was made in full on XXXX XXXX. I am under the impression that fees are not assessed until the 10th day after the due date. I went Into their branch located in XXXX XXXX, TX and the representative was not at all helpful. She told me that if my loan was late, they could take the money from my checking account. I told her that was not right and she said that they can take the money from any of my navy federal accounts but not from external accounts. Does not sound at all accurate to me! My attempts to resolve with the company have been unsuccessful, therefore I am left with no choice but to escalate. I thought that navy Federal had corrected its collection processes but apparently not. Thank you for any assistance in resolving this matter.
I did not own a social security number in the date this medical bill was issue how they charge me something it does not belong to me for years and it is lower my credit score.
LexisNexus is reporting the wrong information about my property loss history. I have try twice with them to correct the problem. My insurance XXXX confirmed to them that those losses was not homeowners related rather a electronic repairs. With all that LexisNexus is keeping this information on my property report that is not allowing me get affordable homeowners insurance.
I opened a checking and savings account package in response to Citibank 's bonus promotion. The promotion was open a checking and saving accounts package, deposit at least {$15000.00} into the combined accounts, keep it for at least 60 days. Then within 90 days after meeting requirements, {$400.00} bonus will post to my account. 

I opened the accounts and deposit XXXX on XX/XX/18. The XXXX had to remain for 60 days until XX/XX/18 but I kept it there until now. Now 90 days after XX/XX/18 and I've not received the bonus as promised. I chatted with the Citibank agent and he didn't know about the promotion. I told him to XXXX it since the promotion is still on going until XX/XX/2018. I then called a different agent and he said he will investigate. 

Checking online, many people are having this problem that Citibank promised the bonus but doesn't deliver until customers filed complaints with the CFPB.