WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted more t han 10 times thru the last year to get my credit reports from all   XXXX    credit agencies aND everytime I 'm told there is n't enough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year though. Get S.S.I disability at this adress, goverment assistance at this adress, pay bills in my name at this adress, ext ext s o there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.
Due to health issues stemming from XXXX and confusion regarding our previous mortgage lender changing to another we thought our payments were being automatically being made. This was not the case and we fell behind on our payments. We called and spoke to the company who instructed us to start making payments via mail. We did that and a few months later the checks were returned and our house was put up for auction. 
The XXXX and XXXX led me to have a XXXX XXXX. We seek compensation for Ditech/Greentree for foreclosing on our home despite our compliance with their instructions.
On XX/XX/XXXX I submitted documents stating that XXXX accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on XX/XX/XXXX. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on XXXX. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.
on XXXX/XXXX/17 I was on vacations in XXXX, XXXX I attempted to withdraw in a XXXX ATM ( Non Chase ATM ) {$90.00} DLS around XXXX XXXX. The ATM stated transaction can not be completed and gave my card back, I immediately attempted to withdraw at a XXXX ATM sitting next to the XXXX ATM i was trying. it did not work either so i called Chase to see if my card had any holds because i was traveling abroad. while i called chase i noticed on my cel phone checking the bank app that the 1st transaction was pending for XXXX dls, i told the guy on the phone the ATM did not dispense any cash so chase credited my account immediately, but on XXXX the credit was reversed claiming the owner of the ATM submitted proof the transaction went through, i asked for that proof and chase did not submit a copy to me. this proof is impossible since the ATM did not dispense the cash. This is totally unfair since the ATM did not dispense the cash.
On XX/XX/XXXX I attempted to lift the freeze on my credit reports with Experian, XXXX and XXXX. I was able to lift the freeze immediately on the XXXX   and XXXX sites. Experian would not lift the freeze either online or on the phone, and gave me instructions for mailing in my request, supporting documents and payment. 

OnXX/XX/XXXXI mailed all the requested information and my check via USPS Priority Mail with tracking. USPS confirmed delivery of my letter to Experian on XX/XX/XXXX 

On XX/XX/XXXXI received a " Dispute Results '' letter from Experian dated XX/XX/XXXX presumably in response to my request. It states that " Your personal credit report already displays a security freeze ... If you submitted a check, it was not cashed ... '' I have tried again to lift the freeze via the web site and by phone, with the same result, that I am directed to mail in my information and payment. 

I have been unable to speak to any person about this, there is only a phone tree. 

I need to have the credit freeze temporarily lifted because I have to move. I am in danger of becoming homeless because Experian refuses to lift the freeze. I consider this situation very serious.
I received a collection notice from AFNI , Inc. alleging I owe XXXX. I do not and have never had a debt with XXXX and the debt is disputed.
I did a balance transfer to my chase card at 0 % interest, and there is also a 25 % interest on purchases.

I proceeded to make a {$10.00} purchase and then make a {$68.00} payment on my card. I all of a sudden had {$0.00} in interest. I called up and they informed me all purchases will accrue interest until the 0 % balance transfer is paid off. So there's no way to pay off purchases until the full 0 % interest balance transfer is paid off.

Nowhere did they state that this would be the case and is unethical.
I have received several harassing phone calls since XXXX XXXX, 2018 to the present day of this writing ( XXXX XXXX, 2018 ) from various representatives giving a variety of names ( XXXX XXXX ... .XXXX XXXX are two of the names they are using ) from a company calling itself XXXX ( United Check Recovery Bureau ... the address from the Better Business Bureau is XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX. One of the many telephone numbers they utilize is XXXX. 

The only way I know the name of the company is that I have done extensive online investigation on the telephone numbers they are calling from ... rarely do they identify themselves. They have called me at home, on my cell, at work, and now are calling several of my relatives. I do not know any information on the debt they claim to be collecting. I have sent them a validation letter, and a cease and desist letter, and also given them the name of my attorney and demanded they work through her, but they keep calling. 

My nephew who lives in a different state called to me today to tell me that this company called him asking my whereabouts. They know my whereabouts because I have contacted them and they have my address. This is just an intimidation tactic they are using. They have failed to validate the debt and keep telling me that they " emailed the information '' to me ... which they did not, and besides, a valid validation should be in writing. The representatives are rude, harassing, and this XXXX XXXX sounds as if she has been smoking since birth. Please help this is causing incredible problems with my employer. If you google XXXX or Unite Check Recovery Bureau ... .there is a multitude of complaints on various websites about their harassing tactics.
Since my last complaint on XXXX/XXXX/2016 nothing has changed with US Bank. I was informed by my case manager XXXX XXXX that my file is STILL under review and it 's been well over XXXXXXXX months now or longer. I was told by several realtors which they underwent an advance search on my home that it 's being reconstructed my loan? I need ANSWERS now so I can move forward with this. I ca n't sell my home due to the foundation being severely cracked & the home is shifting nor will the XXXX pass due to this nor can I live here under these circumstances. Back in XXXX my home was appraised for $ XXXX? how is that possible with all these issues. I had many offers of $ XXXX to purchase this home however, according to my caseworker, they WILL NOT ACCEPT any offers less that $ XXXX. question is this, the home right next door to us which US Bank owned sold for $ XXXX last year so what is the problem with ours. it is no fault of ours that the house has all these issues. no one is willing to hear us out. I 've tried to contact my *New Case-manager* XXXX XXXX XXXX XXXX XXXX/XXXX/2016 all day I received a vm which was full. I talked with CSR *XXXX and no one had a clue what was going on only to be hung up on by XXXX, and XXXX were very nasty XXXX we did find a beautiful home that was perfect for us and we were pre-approved however, we ca n't have XXXX FHA loans. This house is not suited for us any longer, it 's WAY TO SMALL, AND, the issues have not gone away. WE NEED OUT. we need our names taken off the DEED so we can move forward and live a normal life and be happy in our new home! I regret having US Bank as our lender due to an abundance of negative feedback & I refuse to have this house refinanced bc it 's NOT WORTH IT! we ca n't walk away from this home or it will ruin our credit. we ca n't do a short sell or it will ruin our credit. we ca n't auction this home off or it will ruin our credit ... As you see in the photos, we LOST everything in the flood back in XXXX as a person with a heart of gold, I would n't want my worse enemy to go through what we did that night. it was a nightmare to see all of our belongings get ruined due to this flood. I hope this makes sense. I NEED ANSWERS ASAP. NOT 2 MONTHS FROM NOW, NOT 6 MONTHS FROM NOW. this file has been under review entirely to long
Paypal sent promo email for 24 months interest free financing on Ebay purchases or {$600.00} or more. I clicked the link to " shop now ''. Made a {$1900.00} dollar purchase. When I logged into account the same day it only showed 6 months interest free. I called paypal, they asked me to forward them the email so they could see it. They then agreed and said they would fix it to the 24 month promo. I received an email on XX/XX/XXXX stating they had fixed the loan. I logged on to my account today XX/XX/XXXX and it was still saying 6 months. I called back and was told they was not going to honor the 24 months. I have all original emails if needed.
I began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
I was told I was preapproved for a Car loan/refinance on one of the Bank of America branches and was encouraged to apply. Prior to beginning the application I asked if it the inquiry would affect my credit score. I was told that because it was just a inquiry to confirm my identity it would not affect my score. I also asked if I would be able to refinance even though I had taken out the loan with my mom ( who is a cosigner ) and the car was registered under her name and the title was also under just her name. I was told that as long as my name was on the car loan I would be able to refinance. After getting approved and spending over 15 hours on the phone my current BOA loan costumer service obtaining all the information they had requested, I was told by a different representative prior to final submission that because I was not on the registration or the tittle of the car ( because the dealership did not include my name ) I would not be able to refinance. I explained that I was told both at the bank and through the phone by previous loan representatives ( which was recorded on their recorded line ) that all that was needed was for my name to be on the loan to be able to refinance the car loan. After speaking with a manager and explaining the situation ( and the fact they had the conversations with BOA representatives on recorded lines stating that all that was needed was for my name to be on the loan to finalize the loan ), the manager stated that there is nothing they can do on their end and I would have to either reapply or make it a third party purchase which would end up being more interest and higher payments on my end. I attempted to update the tittle, however, that takes over 3 weeks and the approval was only valid for 30 days. I also found out that the inquiry had indeed lowered my credit score as it showed as a credit inquiry on my credit report. I was extremely upset at the fact that I was misinformed and that most of the staff was not well trained and this ultimately led me to have an inquiry on my credit report, with no loan to show for. All they were able to say was they they apologize for the misinformation, however, I feel I should not bear the cost of their neglectance in staff training and procedure.
Obtained a car loan from Westlake Financial Services XX/XX/XXXX. This company called my family, and my boyfriend continually over late payments made. They called my cell phone the day my payment was due to ensure I was paying. They repossessed my car XX/XX/XXXX, and never sent a notice of sale of the car. This company is very rude.
this unknown account needs to be removed from my credit report because it is causing me and my family a lot of stress. thank you XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$6100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$6100.00}
I have had a secured Discover credit card for 13 months. Despite promises to review the account after 7 months to transition to an unsecured card, my card remains secured. I have had no late payments, no high balances, no red flags anywhere. I have checked my credit report and there are no derogatory items over the last year. According to the information provided by the companys agents and website, I have met all of their criteria to obtain an unsecured card. Discovers agents tell me the process is automated, and no human can intervene. Of course this makes no sense. The company is not run by computers, it is run by humans who have a responsibility to investigate when a problem is identified. I believe Discover is running a scam by holding on to card holders security deposits for longer than is promised, thereby creating revenue for the company with funds from people recovering from financial hardship.
On XX/XX/2018, I authorized Sun Trust Mortgage to charge on my credit card for a real estate appraisal to be performed at their direction. This was required for a mortgage application process to move forward. The appraisal fee was itemized to cost {$500.00}. 

On XX/XX/2018 the appraisal was performed by XXXX XXXX XXXX and completed and signed on XX/XX/2018. Shortly thereafter, I received the appraisal package from Sun Trust Mortgage. In the package was an invoice for the appraisal from XXXXXX/XX/XXXX. The Invoice was for {$450.00}. 

On XX/XX/2018 I spoke with my Sun Trust Mortgage Loan Officer, XXXX XXXX. I asked Mr. XXXX why I was charged {$500.00} for the appraisal which was invoiced at {$450.00}. I specifically asked if any additional services were provided to justify marking up the appraisal cost. Mr. XXXX apologetically said a mistake had been made. He said he thought the appraisal would cost {$500.00} and that I was overcharged. He clearly said the {$55.00} overcharge would be returned as a credit on my card. 

The {$55.00} overcharge was never returned as promised. When I withheld the {$55.00} from my credit card, Sun Trust Mortgage refused to acknowledge the appraisal mark up, refused to acknowledge the mistake, and demanded full payment.

To reiterate, Sun Trust Mortgage marked up the cost of the appraisal and did not disclose it. When exposed, Mr. XXXX apologized and promised to make a refund, and then reneged on promise. Then Sun Trust refused to acknowledge any of this ever happened. Now they want to keep the undisclosed and most questionable mark up.

The absolute proof of the truth of this claim can be found can be found in Sun Trust Mortgage 's recorded phone calls as they claim to record all telephone conversations. Incredible.
I lost my job in XXXX. XXXX XXXX put me in collection then and statute of limitations is almost up. My job loss led to poor credit. EOS CCA has stated debt began in XXXX in order to try and collect a debt. They are dishonest and unethical. Please fine them for their dishonesty under federal statute. 

XXXX XXXX XXXX XXXXXXXXXXXX
XXXX XXXX tells me I owe {$620.00} over 8 billing cycles ending XXXX/XXXX/2012. They have no evidence that I ever asked for their services, I signed no contract and I do not owe them. This is my residence in XXXX, but I live in XXXX. I offered to pay {$50.00} to settle with them, and they refused.
On   XXXX   XXXX   XXXX     there was an inquiry turned in to the credit bureau for me applying for a   XXXX   XXXX   account. I did not authorize or attempt to apply for   XXXX   XXXX   at any time ever. I submitted a dispute via   XXXX   XXXX   but have n't heard back. There was also a charge from   XXXX   XXXX   for  XXXX  which was not me and I 've ask for them to pull the video to prove my case and this was over 3 years ago. Also,   XXXX   XXXX   XXXX   keeps transferring a   XXXX   dollar Invoice via different collections to keep a 7 year debt on my record they promised to delete since I have their service now. Same thing with   XXXX   XXXX   for   XXXX    XXXX   or so. I switched to a new provider. I have ID relief from the gov't because my identity was compromised per stolen records from the military. Please help to clear my credit.
Navient has repeated charged me late fees, which they have admitted were a " mistake. '' After being confronted by this fact, they protested for nearly an hour before admitting fault, were unable to provide evidence that they would prevent it from happening again. Additionally, they only refunded my latest late fee, not the rest of the " mistaken '' late fees.
My name is XXXX XXXX. Experian is inaccurately reporting a {$11000.00} XXXX charged off account on my credit report. The account number is # XXXX and I have been disputing this account for months because it is not mine. In XX/XX/2017, XXXX removed this from my report because they verified it was not my account. How can it be possible, almost 9 months later, for Experian to come back and still say this account has been verified when it is no longer reporting on XXXX  and never on XXXX? I'm sending the same dispute for the same account with the same creditor. I have already called and spoken to representatives at XXXX and it turns out that the personal information on this account does not match mine besides a very similar sounding name. The representatives weren't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to have this account deleted from my credit. I am being given the runaround when the fault is really with Experian and they are refusing to correct their mistake. This is why I am filing this complaint. Please see the attached confirmation letter from XXXX confirming this account was deleted from my credit.
Navient has refused to work with my repayment, even those they requested an offer to settle, which I did. They immediately sent it to a collection agency. I have requested multiple written requested to work with the company and each time they continue to say that I must contact them via phone. I have request that ALL INFORMATION AND REQUEST BE IN WRITING ONLY. They have continuously refused to cooperate with the situation.
Experian again has not provided detailed information on whom they contacted to verify information, how they contacted them to verify information, where they got the information to verify. Experian has ignored the opt out documents from XXXX XXXX where not public record s on me can be verified by side I'm opted out. Not have they acknowledged that they did not get any info on me from county trustee , county court clerk, or register of deeds. THE FACTS OF ACKNOWLEDGEMENT ARE TOTSLLY BEING IGNORED. I ASKING FOR CFPB TO DO DETAILED INVESTIGATION THEMSELVES AS EXPERION CONTINUES TO IGNOR THE FACTS OF DISCOVERY AND THE BURDEN OF DISCOVERY THAT REST WITH THEM
Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

XXXX : Information Research I - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX Transunion : XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.
Mortgage Company RMS that my mother had Reverse Mortgage with. Is trying to defraud family members who wish to buy Home back. Buy appraising home at more than it value.
Every year that I try getting my free annual report from Equifax , they never provide it but entangle XXXX in a web to prevent XXXX from getting their free annual report. I would imagine that many others have had the same problem with Equifax. I have had no problem with getting my free annual report from the other XXXX credit reporting agencies.
TD Bank has sent me a debt collection letter notifying me my account is overdrawn. The account is overdrawn due to TD Bank maintenance fees NOT due to my error. The account was drawn down to XXXX in XXXX and now I am being charged for an account that should be closed. I have written to TD in XXXX Maine with NO response to my inquiry. I would like this account closed and the fees waived.
Sold items on XXXX, shipped with tracking the same day. XXXX said my funds would be available 72 hours after the time the items were delivered. It has been 72 hours and the funds are still unavailable. I 've called Paypal 4 separate times today and gotten different answers from each person. My last phone call, I asked to speak with a supervisor and was denied that and then hung up on.
I am a co-signer on my daughters  XXXX  student loans.   She is an unemployed   XXXX   XXXX  r. I am out on a   XXXX   leave so I do not have a income. I have filed for bankruptcy.   I am harassed consistently by calls and mail stating  XXXX  will help with a payment plan ... but they request months worth of checking acct. statements, months of paycheck stubs and other private information. They even check my credit report with out my authorization.   The worst is on  XXXX   XXXX ,   XXXX    XXXX   XXXX  @  XXXX   XXXX  called a real state agent we WERE trying to sell a home through. The home is in Foreclosure. Can they do that!! Call and harass a realtor for my personnel info??