WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX - requested online a credit freeze from Equifax.

XX/XX/XXXX - received confirmation from Equifax regarding freeze, and suggested if information is incorrect to contact them at XXXX. 
XX/XX/XXXX - I called XXXX to inform them they entered my current address incorrectly. 

The customer service representative asked me all the security questions, a credit card company I use now, my social security number, my mortgage company & monthly payment, a previous address, my date of birth, etc. I answered all their security questions, I informed her they have my address incorrectly and needs to be corrected. She informs me I need to send a copy of my drivers license, copy of my social security card, and a letter stating what needs to be updated. 1 ) A sure way for someone to steal my identity is if I send the information she requested via mail. 2 ) I've already answered all their security questions over the phone, why can't they just update my information then? And if they can't, why bother asking me for all those security questions? 3 ) They made the error, it is their responsibility to update when contacted. If not, why bother asking us to call their customer service number. 4 ) Why am I not allowed to update via website? What is the purpose of their Personal Identification Number for the freeze if we can't even use it to update our information? 

Then I was transferred to the supervisor XXXX ID # XXXX, she informs me that I can have my BANK send information! Now that alone sounds like someone trying to steal more than my identity. 

This is absolutely unacceptable, if the only way for them to update their error is for me to send my personal information via mail ( copy of Driver 's license & copy of Social Security Card ), then there is a huge flaw in their " security '' system.

Why do we even need 3 credit reporting agencies? If Equifax can not get their data correctly in their systems, then they should not be in the reporting business! Please revoke their license to do business!
On XX/XX/XXXX I logged online and checked my balance. I had electronic items pending as well as debit card transaction. I knew I had gas purchases so I made a deposit of XXXX which then made my balance positive by XXXX ( I have a receipt ) after the system updated that night I woke up to see my account was overdrawn by XXXX. The only thing that I can see possible is that PNC released my hold on a XXXX debit card purchase that I had did on Fri XXXX/XXXX/15 because my acct ended up being overdrawn by almost that pymnt. I called PNC and explained I know I overdraft in the past somewhat often but I truly attempted to not overdraft by checking my balance and then making that deposit. I asked for a courtesy reversal. I was told that he could n't extend one because I had a courtesy reversal on XX/XX/2015. I did n't recall having one because I do n't call for one since I know I overdraft at times. I released the call with him checked and it was n't a courtesy reversal. PNC does n't charge fees if your acct is overdrawn under XXXX. I had wrote a check and was off by XXXX cents and PNC charged me an overdraft fee and then reversed it with the phrase Reversal threshold. Im thinking since it was under XXXX and should n't have been charged. I called back the next day and spoke to a polite young lady who agreed that was a bank error in XX/XX/XXXX and that I did qualify for a courtesy reversal so she was going to escalate it further for me and I would get a call back from their escalations group. A week later I receive a call from someone who left a message with a number to the department. I called and spoke to a XXXX XXXX. XXXX was quite condescending and told me that its a myth that banks waive fees. I explained that it cant be a myth when XXXX prior cust service reps told me that fees could be waive. XXXX stated I had already had courtesy reversal which I did n't and the other stated I was right and she would escalate it. I even stated the calls could be reviewed. She continued to not listen to what I was stating and was n't even going over the transaction period that I was referring to ( XX/XX/XXXX-XX/XX/XXXX ) by the time I spoke to her since I thought I had everything covered I ended up over drafting my acct again and she kept speaking on those transactions. It was obvious she no longer was listening to me so I asked for the president name of PNC to write a complaint. She would n't give it to me. I asked for her manager and received XXXX XXXX who had to look up the name and spelling of the president of PNC but she did give it to me. She also stated that its a myth that banks waive overdraft fees as courtesy. By speaking to the prior to reps before this " escalation department '' I know its not a myth and I feel I have been lied to by XXXX and XXXX.
Im a XXXX XXXX  XXXX in XXXX and I sent my wife money to her in XXXX. I understood I wouldn't get a great exchange rate by sending it through Western Union but we were ripped off of $ XXXX when I sent her the money. 

The agreement was I sent {$1200.00} plus a {$9.00} fee and she would receive XXXX XXXX  pesos per their website when sending the money. When she went to pick up the money they would only give her XXXX pesos. I tried fixing this with Western Union but they have not bothered responding or refunding my money. 

The MCTN is XXXX.
I am in the process of repairing my credit and have sent over disputes of items that are reporting negatively on my credit reports. XXXX of the companies I submitted a dispute to was Equifax. I received a letter from them today stating that an investigation was completed and they received a information from a third part vendor called XXXX. Mind I have a security freeze that 's been in place since XXXX/XXXX/XXXX and the investigation was done and completed XXXX/XXXX/XXXX so how it is possible for them to verify information that is not available to them. I also noticed that a bankruptcy from XXXX that was not on my report prior to this dispute has all of a sudden re-appeared on all XXXX credit reports and since this dispute I have been receiving harassing phone calls from creditors whom did not have my information to being with. I verified that XXXX has my account on a security freeze since XXXX/XXXX/XXXX and they did not provide information to Equifax. This is under handed reporting is very unprofessional and has caused myself and my family more financial hardship.
I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX insurance and ANFI. I have filed a complaint with the state insurance office who regulates XXXX XXXX insurance and have a bill from XXXX XXXX and the car company thats says I owe XXXX.
I don't know who XXXX XXXX XXXX is? But GLA verified this collection twice. I also mailed a direct letter to XXXX, XXXX XXXX XXXX, but no response to my questions. I thought the furnisher had 30 days to respond to a direct dispute?
In 2016 my mortgage was sold to Carrington Mortgage Services. The online interface for Carrington frequently lags behind, is regularly incorrect, and they do not provide any notifications about activity on your account. 

When I attempted to set up recurring payments online, the account told me that if I signed up it would cancel any outstanding payments. It turns out that they did not cancel my payments, and as a result I had multiple payments taken out of my account in the same month, putting me in great financial and emotional distress. To stop this from happening I put a stop payment order on the account from my home bank account. When I attempted to pay the mortgage the next month, I mistakenly left the stop payment on my checking account, causing the payments to not make it to Carrington.

Carrington has responded by banning me from making online payments for a period of time, but didn't tell me until the payment by mail was guaranteed to arrive after the 30 day period I have to make my payment. This has resulted in my credit score going down, I have to pay an extra cost each month so that I can physically mail a check, and this makes it much more difficult for me to pay my mortgages on time as I have to verify online and over the phone every month that they have received the check. 

I feel that by selling my mortgage to a company that actively makes it more difficult to pay my mortgage, I have been put at a significant disadvantage than I was at during the original agreement.
First, I was never told I was signing up for a private loan. All I did was fill out my fsfa form, and the dispertments came out. At no time was I notified that I was into a private loan, by the school nor navient ( XXXX XXXX ). Second, when I call them to work out a payment plan, which I only make XXXX a year, I am being asked to pay almost XXXX a month, which is crippling my ability to be a single dad, and provider. All I get is threats, and I try to explain that I dont bring in enough to pay the bill. they have even suggested myself get a second job to take care of student loans. This place is a grotesque place, and to the point of harassment. Ho w can I try to raise my son, and pay rent, and misc expenses with this company sucking the life out of me. They act like that they are doing me a favor, however others, through other companies, make about the same and pay way less, for private loans. I never choose to go to Navient, or XXXX XXXX, or even get to select the loan, I feel like this is the biggest scam ever. All I want is help. So please help me ...
XX/XX/2018 My work was called regarding a debt that I have. I have never given them this contact information and have called them before and asked them to stop calling my family members.
XXXX is attempting to collect a debt for XXXX. This debt is not mine and being reported as a derogatory mark on my credit report. XXXX is currently still sending me catalogs stating I have been approved for credit. I do n't understand why they would do this if they say I owe them money.
I am making {$100.00} payments to Springleaf Financials lawyer, XXXX XXXX XXXX, XXXX. I was unaware I was being sued when I called to set up the payments last month after getting behind. This month, Springleaf closed my account and I was served papers on Sunday. The original amount financed was {$3100.00}. They are suing me for sum of {$4200.00}, less interest of {$780.00}, less insurance of XXXX + attorney fees of XXXX with a CONTINUING RATE OF INTEREST OF 35.99 % UNTIL PAID.
PLEASE FIND ATTACHED THE DOCUMENTS AND THE DISPUTE LETTER INORDER TO FOLLOWUP ON THE A DELINQUENCY / NEGATIVE ITEM ON MY CREDIT FILE, ON MY XXXX ACCOUNT NUMBER XXXX, I WAS NEVER LATE AND THE ERROR HAPPENED ITS EITHER A BANKING ERROR OR CREDITORS FAULT. I HAVE DISPUTED XXXX ND XXXX, THEY BOTH HAVE REMOVED THIS ACCOUNT. 
BUT EXPERIAN IS NOT RESPONDING TO MY DISPUTES AND LETTERS, PLEASE HELP ME BY RESOLVING THIS ACCOUNT .POLICE REPORT ALSO ATTACHED. 
THANK YOU
At XXXX on the XXXX of XXXX, 2015, I received a call from a collector from Barclays Bank representing Barclaycard . The phone number that they call from was ( XXXX ) XXXX. I told the lady she was calling before XXXX eastern standard time, she hung up. I called back and the man I.D number XXXX claim that the lady that called me was I.D XXXX, and they were located in the XXXX.
I wasted my time and money attending the Art Institute. I am now unemployed and financially ruined. When I first attended I was enrolled in an XXXX month program which I later found out from an instructor that it would not help me qualify for a job in the field that AI advertised the program as so I withdrew. Years later I decided to try school again but this time I enrolled in the online XXXX program at the Art Institute only to find out that the students that had already graduated have no chance at employment with a degree from the Art Institute and that the school was in trouble for the scam they were running. I have since tried to withdraw from the school but their academic counselor treated me horribly for doing so. She also never withdrew me from classes during the first week of the quarter when she was supposed to so now I have to pay for another quarter because she simply wo n't let me withdraw. I 'm currently getting the run around via phone and do n't know what else to do besides continue to try to withdraw and write reviews to warn others about the underhanded tactics of this scam called an Art Institute. I have been ripped off by the Art Institute. They are stealing my student loan money and lying about how much I take out. The tuition and loan amounts dont add up. Something fraudulent is happening here. I have also tried to withdraw and was told that they withdrew me from school but I am still receiving emails from my instructors telling me that its not too late to turn in late assignments so I logged in and saw that I was lied to about being withdrawn so my GPA has tanked and I 'm being charged for classes even after withdrawing. I have talked to other current and former students of the school who are experiencing the exact same thing. This is a scam and needs to be stopped before it ruins more students financial lives. more information can be found at these links. This is another student who experienced the same EXACT thing I am currently going through. They are also switching my financial record around so much that I cant keep track of what I owe for what. XXXX Here are more testimonials from other students who have also been cheated out of education, time and money XXXX and finally, here 's a XXXX group of students who are fighting back that I am currently a part of XXXX Please help us!!!
Hello : Here is a concise summary of what has occurred. From XX/XX/XXXX to XXXX XXXX I took out three student loans ( Stafford, XXXX and Perkins ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XX/XX/XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents  with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a XXXX XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just XXXX XXXX XXXX. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, Stafford Loan, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, Perkins Loan, {$2500.00} disbursed at various times. On XXXX XXXX, XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
XXXX XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I was involved in an auto accident in XX/XX/2013 whereas I had a substantial amount of medical bills that I had to pay. I advised capital one creditor but help was to no avail. I subsequently settled but the late payments are still effecting my credit score on a negative basis. I have asked for a deletion since my balance is XXXX but they refused. It is a fact that these companies are biased against XXXX. If i were a Congress member they would assist me but since I am not I'm being treated with contempt. I received my credit report trio last week. Wherein my credit scores are very low AND YES, I DID WRITE TO THE CEO BESEECHING HIM FOR HELP. ANSWER RETURNED NO.
I began the mortgage loan process with Excel realty and mortgage on XXXX/XXXX/2015. XXXX XXXX at XXXX office was the loan officer I started working with. He offered me the interest rate of $ 3.875 % for 30 yrs fixed loan with no closing cost, no lender fees, no points, no any other hidden fees whatsoever. I agreed to the terms and conditions and asked him to lock the rate. During the entire process, I was quick to provide them with all the required documents and promptly answered any questions they had. After 3 weeks into the process of obtaining the loan, he began making promises to me about finishing up at the end of that week. This was his routine over and over again. 3 long months later, on XXXX/XXXX/2015, he assured me that we would finish up the process in no longer than a week 's time once again. Then to my shock, on XXXX/XXXX/2015, during a phone conversation ( one which took me many attempts to make happen ), he informed me that the previously locked interest rate of 3.875 % has expired and that rate is no longer available. I am very upset. After more than XXXX long months of waiting, I am still getting nowhere. I called other Excel realty and mortgage offices with the hope of talking to a supervisor, will help me to resolve the problem. I spoke with XXXX XXXX. He said he will do his research and will get back to me. Still nothing is happening. Now interest rates are much higher than what it was 3 months ago. I lost the transaction that could have benefited me and I do n't know what to do. 
What happened to me was very unfair and unprofessional. please help me to bring this issue to justice and not let this happens to anybody else.
I was sold to Green Tree XX/XX/XXXX, and its been a nighmare they say I 'm behind in my payments. Green Tree says I missed XXXX payment XXXX I made that payment and I have proof from my bank account and from XXXX XXXX statement I requested. So every month Green Tree says I 'm late they call all the time and threaten me. Ive sent Green Tree my bank account statements and a years worth of payment history from my old mtg ( XXXX XXXX XXXX. Which shows Im up to date on payments. Now they are sending out strange people to take pictures of my house and tape notes to my door, I called the number they give me and its disconnected. so I call a different number and the lady says they sent a sight inspector to check on my house. They call everyday and ask if I want to keep my house. I tell them I made all my payments and have proof but they wont accept it. So they are saying I 'm over 30 days late, BUT I AM NOT. They are messing up my payment credit history.
XXXX has been extremely difficult to deal with -- refusing to make changes and even informing the CFPB that they have made changes only to reinsert incorrect information. That is why I know feel that I need to go through CFPB for all issues XXXX. 
XXXX is reporting XXXX hard inquiries on my credit report for a single mortgage transaction. The inquiries come from XXXX XXXX on behalf of XXXX XXXX. 
Mortgage InquiryCreditor TypeMortgage ReportersCreditor NameXXXX XXXX XXXXMDBureau Experian
Mr. Cooper, formerly know as Nationstar, is reporting erroneous information regarding my payment history to the 3 major credit bureaus causing me to have undue stress.Since they acquired my account in XX/XX/XXXX from XXXX, there has always been some sort of problem. In XX/XX/XXXX, I spoke with XXXX XXXX a manager regarding the removal of the escrow from my account. He informed me that I had to pay {$2700.00} to have the escrow removed and make my mortgage payments what they previously were {$800.00}. Nationstar received the payment of {$2700.00}, Confirmation # XXXX, however, they continue to put my payments as late payments or missing payments. I have spoken with multiple people there almost on a monthly basis to try to correct this problem. here are some of the names of the employees, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. I have attached my banking information showing the amounts paid with the confirmation number. Mr. Cooper is saying I have a late payment more than 30 days. On XX/XX/XXXX, I spoke with XXXX XXXX regarding my account. She initially stated I was in arrears. After reviewing my account she stated she could see where I made the payments but she could not find where they posted the XX/XX/XXXX payment. After further review she said she found the account where it was posted, a holding account, but did not know why or how to get it removed. I was told she would call her manager, XXXX XXXX, and get back with me within 48 hours. As of today XX/XX/XXXX, she has not called back nor has she responded to my calls to her direct line. My complaints are Mr. Cooper is : reporting erroneous information causing me to have a negative reporting mark, misapplied payment history creating an inability for me to refinance, misappropriation of funds, causing my credit score to be low. 
XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 5XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 8XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 1XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX All of the above payments were made via online banking. A copy of the bank statement is available upon request.
In late XXXX or early XXXX XXXX My husband went to XXXX XXXX to get an oil change on his XXXX XXXX. After a few hours, he called to tell me the salesman we have always used there, XXXX XXXX, introduced him to a fully loaded XXXX XXXX XXXX. At this time my husband had recently completed XXXX. When I got to the dealership I was reluctant to agree to this jointly. I privately talked to the salesman and told him I was worried about signing jointly in case XXXX 's health did not continue to improve. Noteworthy - we were there several hours due to my trepidation and in that time my daughter called to ask if her fiance was eligible to use my father 's XXXX XXXX discount. I was told by XXXX XXXX that he was not. I was also told that if my husband wanted this car I would have to be on the lease because I was the family member for the XXXX XXXX or the discount would not apply. I also have a lease on a XXXX for my own use. In short, I felt pressured to sign. My husband XXXX on XXXX XXXX, XXXX due to XXXX XXXX XXXX and I 'm being told I 'm locked into this lease for a car I do n't like or want. l recently found out I was NOT required to be on the lease per the terms of the XXXX XXXX. My daughter 's fiance also lost out on a large discount because of this misinformation. This has caused a terrible financial burden, as my husband XXXX without an estate or any XXXX insurance. I feel that the dealership had a fiduciary responsibility to give me accurate information or find someone who could. When I found out in XXXX XXXX that I did not have to sign this lease XXXX XXXX went to his supervisor who verified verbally and publicly in the showroom that I was not responsible to sign that lease in order to receive the discount. At this point I am barely making ends meet as I continue to pay for 2 leases registration and insurance and drive only 1 car. I hope you can help me.