WillisBack/dataset-financial-user-claim huggingface dataset:
Navy federal Credit Union froze my entire account on a a weekend and did not have security agents available to unfreeze my account until Monday morning. Subsequently, I was forced to leave my car on the side of the road and walk miles home with bare feet ( I was wearing heels ). I could not even get a drink of water.Someone could loose their life! I live in a very rural area and a gas station or place to get help is few and far between. I was in so much pain by the time that I got to my home due to the the prior XXXX I had on my XXXX. I was literally in excruciating pain by the time I made it home. I could not believe that the institution that I entrusted with all my hard earned money told me that they could not help me. i cried and explained that I was on the side of the road and my car had tun out of gas. Why, I screamed. I have over XXXX cash in your account? No help! I pray that someone reading this mandates that if an account is frozen over the weekend, banks have employees available to unfreeze the account. 

First thing Monday morning I called Navy Federal Bank to figure out what was going on. I was very upset and still in pain. I explained everything that i had been through. The manager said that all of this happened to me because I deposited a check in the amount of {$750.00} into my account that was " flagged '' as a suspicious check. I then explained to the manager that they only made available {$200.00} out of that check ( which is a good check from my fiance 's boss ) and that I already had an available balance of {$1500.00} prior to depositing that check. Why in the world would you freeze and entire account, rather that just waiting for the check to clear. I said? In my heart, I knew that what they did was wrong and they caused me personal harm. When I hung up the phone, I was told that my account was unfrozen. I am deadly afraid to have any money in Navy Federal Bank anymore! 
Wait!!!! Here comes the worse part!!!!!! 
They took XXXX out of my money!!!! Keep in mind, the only money available from the deposit of the check ( good check ) was {$200.00}. They took that and then froze XXXX of my money. After me telling them what I went through the day before. How can they justify holding a check and making me incapable of paying my credit card payment in full today with my cash? This is wrong! Someone please help me. it is due on the XXXX. Today is the XXXX! My credit score is at risk of being damaged. I always pay my bill in full, I should have XXXX in my account and they took XXXX for a check that was being held anyway. Please Help me.
My loan repayment is extremely high with high interest rates. Repaying the loan is difficult with my salary I am currently collecting. Trying to talk to them to lower my monthly payments is a struggle, and forbearance actually hurt me when I tried it once. They still charged me after I fell behind on my loans and needed assistance by placing me in a forbearance for XXXX months, where I still paid close to {$500.00} per month.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX, XXXX XXXX Transunion : XXXX XXXX XXXX  XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Tronsunion : XXXX.
There is a Veterans Affairs/Administration debt on my Equifax credit report. This debt was a mistake and the Veterans Affairs/Administration has taken action to get the debt DELETED from my credit report. It has been successfully removed from XXXX and XXXX but Equifax refuses to remove it stating that the Veterans Affairs/Administration has continuously verified that I owed the debt. Attached is a letter from the Veterans Affairs/Administration to myself ( Dated XX/XX/2016 ) stating they have taken action to reflect delete on my credit reports and it could take up to 45 days. I sent this letter to Equifax and they ignored it and said they would not take any action to contact the Veterans Affairs/Administration and ONLY used an automated system. They informed me they were not allowed to contact the Veterans Affairs/Administration. I asked for it in writing and they hung up on me. They have, on many occasions, asked for my phone number and as soon as they put me on hold, they hang up the phone. I have a XXXX XXXX XXXX and this collection may have a negative impact on it if it is not removed promptly. I have been trying for over a year to get this resolved. Thank you for your assistance.
I checked my credit report recently and I keep seeing a debt from paypal credit card on my report at all XXXX bureaus the charges were fraudulent and the balance is not mine fees interest etc seems to have been added for charges I do n't owe. I received a XXXX form from IRS stating that I was required to report this old item as income I did just that because I do n't play around with IRS now every month this nightmare item that was fraudulent to start with is being reported as a new and current debt I claimed it on taxes against my own will and now this this is fraud unfair and I want an investigation immediately
I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX
XXXX XXXX XXXX responded to a complaint filed by me on XX/XX/XXXX, due to never receiving any type of prior correspondence and my ability to dispute debt ; which is my right under the FDCPA. Instead of sending correspondence addressed to me at my Pennsylvania location, ( WHICH THEY DID NOT SEND ME ANY LETTERS ) a sheriff was used by XXXXXXXX XXXX XXXXXXXX to intimidate me. They used a sheriff to deliver a lawsuit at my house. I absolutely DID NOT receive any correspondence on XX/XX/XXXX, as stated in their response to my complaint filed on XX/XX/XXXX. If I had received the XX/XX/XXXX correspondence, I would have disputed the debt, which I still dispute the debt to this day. Please provide proof with a copy of the certified letter with my signature on it, showing that I received the correspondence allegedly sent on XX/XX/XXXX. I am a XXXX veteran and do not work. I get the mail every day and HAVE NEVER received any correspondence from XXXX XXXX XXXX. Also, I HAVE NEVER received any phone calls with any messages left by XXXX XXXX XXXX, as allegedly stated in their response. Also, I absolutely DID NOT receive any correspondence on XX/XX/XXXX, as stated in their response to my complaint filed on XX/XX/XXXX. If I had received the correspondence the XX/XX/XXXX correspondence, I would have disputed the debt, which I still dispute the debt to this day. Please provide proof with a copy of the certified letter with my signature on it, showing that I received the correspondence allegedly sent on XX/XX/XXXX. Again, I am a XXXX veteran and do not work, and if I had received any type of correspondence from XXXX XXXX XXXX, I would have immediately disputed the debt, under my FDCPA rights.
I have a problem with the holder of my mortgage loan, Fay Servicing. My name is XXXX XXXX, I am the surviving spouse and rightful owner of my home located at XXXX XXXX XXXX in XXXX, NJ. I am currently delinquent on my mortgage loan and have been attempting to get Fay Servicing to work with me towards a solution so I can save the house. My XXXX XXXX has had a couple of bad years which put me in a tough spot financially and my wife passed away as well. At this time I am approximately {$22000.00} behind on my loan. I have tried to get Fay Servicing to work with me towards a modification so that I can save my home, but am unable to gain any traction. I have been led to believe that since I received help with a modification in the past ( 5 years ago ) that there is no help available. I know that there are programs and options available and want to know why Fay Servicing is not considering me for any of these programs. My financial situation has stabilized and improved and I am able to afford a fair payment, but cant come up with the full {$22000.00} to reinstate the loan. This house has been in my wifes family for decades and I dont want to lose it. We bought the home and put it in our name in XX/XX/XXXX and had no problem making our payments until XX/XX/XXXX when I was hurt in an accident and XXXX XXXX XXXX. I was out of work for 2 months and my wifes income was not sufficient to keep up with the bills. We fell behind and reached out to our lender at the time, XXXX XXXX. They were very helpful and we were able to get our loan modified to an affordable payment in XX/XX/XXXX. My XXXX XXXX hit a rough patch in XX/XX/XXXX. I have worked as a XXXX for 40 years and it is my family business, but XX/XX/XXXX was one of the worst years ever. At the same time my wife was having a lot of health issues and we defaulted on our mortgage payment. Then my wife passed. It took quite some time to regroup and handle the business affairs as well as getting back on my feet emotionally. I have tried to get Fay Servicing to work with me towards a new modification or restructured loan but have not made any progress. They have not assigned my case to an account manager, they have not reviewed my current financial information, and seem to not understand the hardship that I have recently endured. As explained, my XXXX XXXX is doing well and is stableI am also going to be receiving some SSI benefits from my wife as well. I have had a change in my financial situation and can afford a fair payment. The issue is that the lender agents only give me the option of repaying all the missed payments at one time. I do not have {$22000.00} to pay them, but if they would work with me I can resume making regular payments and we can resolve this situation.
In the   XXXX   XXXX   XXXX   I was erroneously charged {$83.00} for co-insurance by the hospital I work for related to services provided in   XXXX   XXXX   XXXX   XXXX   XXXX  . Hospital policy is not to collect co-insurance from employees and family members covered under the employed individuals benefits plan. I did explain this in writing in a notification sent back to the hospital billing department.   In  XXXX   XXXX , I received a notice of debt collection from Transworld Systems Inc. I sent a written notice on  XXXX   XXXX ,  XXXX  demanding immediate cessation of attempts to collect this erroneous debt.   On  XXXX   XXXX ,  XXXX  I received another letter seeking to collect this debt with the addition of accrued interest making the total {$85.00}.   I have sent another notice to the company as of today,  XXXX   XXXX   XXXX  demanding immediate cessation of attempts to collect this debt.
On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.
In relation to CFPB complaint ID : XXXX. This agency incorrectly conducted their investigation into my initial dispute and therefore did not address a violation of the FCRA and FDCPA. My initial dispute was the DATE OF FIRST DELINQUENCY the agency investigated the DATE OF LAST ACTIVITY. These are NOT the same thing. I have provided documented proof that the DATE OF FIRST DELINQUENCY was changed by XXXX XXXX. Under law this date should NEVER change. COMPANY RESPONSE : " This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. '' INITIAL COMPLAINT : " re-aged account. date of delinquency changed on consumer reports ''
I purchased a subscription to XXXX XXXX and was immediately asked to respond to verify the purchase. I did and was told via text ( you're all set, and nothing more you need to do to use your card again. If your card was declined, go ahead and try again. It should work this time. ) Needless to say I was not happy. And expressed that to Capital One Employee. 
I then received another text message saying ( Don't worry ... we're blocking new purchases on your card to protect your card. Any unauthorized charges will remain on you account until you report them and order a new card. Sign into your account. ) Transaction amount {$130.00} Transaction time XXXX XX/XX/XXXX XX/XX/2018 I have text to support my claims
I had a car loan from Exeterfinance company. I payoff my car loan at last Wednesday ( XXXX XXXX ) and I called and required Exeterfinance company to release my tittle ASAP. The customer service told me they already submit my reqeatment and I will be able to go to DMV to get my title around Friday ( XXXX XXXX ). Then I went to DMV on XXXX XXXX to get my title but I was told by DMV that I need to call Exeterfinance company to release my paperless title in order to process my title. I called Exeterfinance company at XXXX and I talk to the customer service representative XXXX tell her I need them to release the paperless title for me. She said her already submit my case I will be able to get a fax about the release paperless title in next few hours. Therefore I was waiting for the fax from XXXX to XXXX after that. But utill XXXX I still did not receive the fax then I called the Exeterfinance company again at XXXX this time the customer service told me usually the fax will takes 24hours to finish they are sorry for the incorrect information etc. I was very upset, disappointed and frustrated. That was my fourth call to require my title release after I payoff my loan and they keep lie to me. This is unbelievable, unprofessional, and incredible. But I have anything to do just keep waiting until today after 36hours they told me I will be able to get the fax about they release my title but I still did n't receive the fax. Therefore I had to call them again this XXXX. I called three times the first two time they were very rude they said because I 'm in California so I will not be able to be release my title until 10-15days.  Then I told them to listen all the phone calls I had make in the past days and they will know what representatives were telling me about the lien release and what did they promise me when I am going to get my lien releasing documents and I also told them I want to record the phone call in order to save evidences that to protect my rights. After I said I want to record the phone call the manager she hung up my phone call right the way. I was shock and sad. How can they treat the customer this way?
I 'm in California that I can get my title release even fast via the electronic system which was the DMV told me the Exeterfinance will be able to release the paperless title for me right the way. I just need my title back after I payoff my loan. How can they not willing to do it and keep lie to me? I hope someone from the Government can help me with this. I need to get my title back I 'm living in California state. I have the right to require my title back after I payoff my loan. Thank you.
In XXXX of 2018 I closed my discover account. I followed up with Discover around the end of XXXX to confirm my refund amount. The agent advised me I would receive a check in the amount {$480.00} after XX/XX/2018. I called today to confirm when my check would be sent and was advised my refund would only be for {$17.00}.
My Citi credit card has a feature that I can return a purchase to them if I cant return it to the retailer. I used this feature on XX/XX/18 for a messenger bag I had bought and could not return. 

Citi gave me a XXXX shipping label to send it to them. I dropped the bag off at a XXXX location. After a month and no update from Citi, I called them and they told me they had not received the bag. They told me to contact XXXX. I went to the XXXX store and was told they would have to open a trace because tracking showed it was never processed. The trace was closed without XXXX finding the bag. I contacted Citi and they said it was my responsibility to send them the bag, and that they wouldnt do anything further for me. 

I don't normally use XXXX because it is inconvenient for me to get to a location. I only used them because Citi instructed me to do so. Citi didn't give me an address to send the bag, they just sent me a shipping label. I could not send the bag to them any other way. Now they are saying they take the word of XXXX over mine, and they will do nothing further to assist. My bag is lost because I used the shipping label Citi gave me ; had Citi just told me where to send the bag, I would have used a different, and in this case more secure, method of shipping. 

Now I am out {$270.00} and a bag
I feel like someone has access to my credit information because every bank institution I made an account for, eventually my account would go overdrawn and then just stop working. I never knew what was behind my information but it is very scary and inconvenient. Someone has been frauding my accounts for the past two years and it XXXX because now I cant use any banks right now because of my bad false consumer reports. 

On XX/XX/2017, my XXXX XXXX account got frauded and it definitely was not me. {$110.00} was took from me. 

I don't remember the exact date but it was around 2 months ago, my Bank of America account got frauded. Someone was depositing {$5000.00} checks into my account twice. Once I logged into online banking and saw {$10000.00} I went to the bank to ask them what was going on. By the time I arrived at the bank they said my account will be in foreclosure. I reeally need help with trying to open up an account. It is really depressing my credit score, reports are messed up and it is affecting my life negatively. Can you please help me.
Netspend credit card company obtained information on my underage kid and issued her a credit card in her name solely based on the fact she purchased something online ... they have her address and full name on the card and all we have to do is activate it. Im extremely bothered by how this company was so nonchalant about the future repercussions this could have caused. I called the company and they were very limited by the amount of information they gave me ... now Im worried about identity theft for her in the future! WE NEVER GAVE THEM THE RIGHT TO SEND THIS CREDIT CARD TO HER IN HER NAME! Please investigate their practices its NOT RIGHT and are dangerous to our youth! And to be clear I have not provided her name on any of this paperwork nor do I intend to in order to protect her from further issues ... I believe if you call them you will find out very fast they send out randomly issued credit cards regardless of age!
I am filing this compliant because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
This letter is in response to your letter on XXXX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid.

I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item.

According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary.

Furthermore, you have the ability to change the listing since you are the information furnisher.

Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP!

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
Worst bank I have ever dealt with. XXXX XXXX ( of regions mortgage loans in XXXX, Ga ) and his team had over a month and half to get my loan closed, but slacked and for some reason had to push the closing date yet again for a week. Leaving me to pay penalty costs for THEIR mistake. I was told XXXX different closing numbers, my phone calls were never answered and my emails were never responded to until days later. They did not try hard at all to get things done and all I have gotten were excuses to cover up their mistakes.
There are XXXX account that are listed on my credit reports that are mines. I 've tried to have them remove from my credit repot several times no such luck. I contacted each company fraud department they stated that the send over the fraud information to each credit bureau. This has been going for a while. The company has stated the account are close for nonpayment to the XXXX accounts. 


Verily respectfully
I am trying to pay my mortgage by logging into the PennyMac site. They are authenticating me by sending an email with a XXXX digit code. They only give 2 minutes to type the code in, but I am not getting the code for approximately 5-10 minutes. I have tried 5 times today and it is infuriating. There is no option to use a phone code or anything else, so I am stuck and I have a mortgage payment that is due. This 2 minute policy is unreasonable. 
Thank you, XXXX
I received an a credit report and noticed things on my report that were not authorized by me. After researching on XXXX I found that the Credit Reporting laws allowed for me to make a dispute under the protection of the FTC identity theft affidavit. I followed the instructions of the FTC and submitted a dispute with Experian regarding fraudulent items found on my credit report. After waiting 30 days giving Experian ample time to remove the items the came back with a report that says updated. 

Its my understanding that Experian only has 5 days to block the items from my report. It is awfully frustrating to say the least that these credit reporting agencies do not have to follow the law. 

I am submitting this complaint because I just dont know what to do to resolve this. Please hold Experian accountable.
Credit bureaus requiring unsecure method to freeze reports of dependent minor. 

Members of my family were impacted by the Equifax data breach. We've frozen records for adults but our children ( minors ) are the issue. To freeze the reports of my children, all credit bureaus require us to mail them ( in a single envelope ) copies of their social security cards and birth certificates ( plus additional info ). To say that is a tremendous security risk would be an understatement as we are placing two of the most critical documents used for identify theft together and sending it through the mail. 

I find this unacceptable as the ONLY means to freeze their reports and believe others will have the same concern.