WillisBack/dataset-financial-user-claim huggingface dataset:
3 major credit bureau companies accumulate information on you without your consent : XXXX, TransUnion, XXXX  ; which are used by banks, mortgage cos, car dealers, etc. : Just about everyone : They arbitrarily use some rating system along with keeping these statistics for an inordinate & obscene amount of time whether justifiable or not : This determines interest rates usually affecting the least of us in society that can afford these interests : EX : I had car repossessed by XXXX XXXX even though customer leasing for 10 yrs when I had XXXX XXXX & in hospital for 7 days : I called XXXX myself & told them I was behind a couple of months, but would pay XXXX of month. I even provided hospital phone number for verification : They chose to repossess my car from my driveway in a rainstorm : Irrelevant now, but cost me thousands to retrieve, etc. Now this is on my credit report for 7 yrs. etc. Otherwise my credit outstanding payment wise on all related finances. My point is this : How is it that consumers are subjected to the whims of these 3 major credit bureaus regardless of whether we have access to our scores accumulating all our private financial information which can affect us adversely for so many years as if we are convicted felons ; let alone what gives them the right to accumulate our private information? I committed no crime yet whenever anyone accesses my scores which are still relatively decent mid 700s on one, etc. considering the incident ; yet I am subjected to adverse interest rates because of the credit bureaus keeping questionable information for 7 yrs, etc. More importantly explain why these bureaus are able to control the financial circumstances of millions of Americans when there are so many other mitigating factors involved in the loaning of monies for mortgages, cars, loans, etc. including fact of building rapport & continuity of payments with banks, dealers, etc. than can determine their own judgement as to whether you are a viable risk> Absurd to have so many lives be charged excess interest fees & be subjected to the power of these bureaus who have accumulated your information without your consent : Class action lawsuit should be filed forcing them to stop these practices as well as legislation prohibiting these arbitrary year numbers of maintaining questionable information that are so incredibly time consuming to combat with them ; it would take you 7 years just to update your information accordingly : Do something : Congress should do something : Millions of people fall deeper in debt because of the uncontrollable usage of these 3 large firms that have tons of questionable information accumulated that is virtually impossible to combat in order to assist you when applying for credit, etc. Thank you for your time & effort : Respectfully, XXXX XXXX
There is incorrect information being reported on my Experian credit report. I have spoken to representatives and sent letters to dispute the public records which should not be reporting on my credit per the XXXX, which states- Beginning XX/XX/2017 public record data collected for credit reporting agencies, including bankruptcies, civil judgements and tax liens are to be removed from credit reports. 

They have not complied with this law, whereas the other bureaus have.
Wells Fargo had a promotion of {$250.00} if I open new checking account prior to XX/XX/XXXX and made a qualify deposit of greater than {$500.00}. On XX/XX/XXXX I opened checking account with and made direct deposit on ( XX/XX/XXXX and XX/XX/XXXX ). I had yet to receive the {$250.00} that was advertised.
Interest rate was lowered from 6 % to 1 % and applied retroactively. However, the payments went purely towards interest and not principal, as I as instructed they would. Also, XXXX the manager who handled my claim mistyped my bank account number to where it was showing XXXX withdrawals even though I was on autopay and did n't change my account information. I requested a formal letter of the transaction history and where the money went a week ago with no response. I 'm currently on the phone with a rep who said, " I will hang up this phone '' with no answer to where the additional money went to.
I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last XXXX accounts on my Credit Report that I have no knowledge of are an XXXX XXXX company that states they represent XXXX XXXX. I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is XXXX XXXX XXXX. It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are also XXXX accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are XXXX XXXX and an account by the name of XXXX. Thank you.
I sent a personal letter to Equifax to review my file for bankruptcy  XXXX . I advised them that the information was incorrect and asked that they verify for correctness. I received a letter f rom Equifax statin g that they verified this information from  XXXX . I also sent another letter stating that  XXXX  sent me a letter stating that I have a Security Freeze on my file that is kept under my personal social security number. I sent them ( Equifax ) confirmation of this letter stating that my   XXXX   account is indeed frozen and it is not true that they verified anything. I called  XXXX  as well and spoke to a representative and she verified that the information Equifax provided me is most definitely inaccurate. I am very bothered that Equifax would willingly report this inaccurate information on my credit file. At no time have I authorized  XXXX  to release any information pertaining to myself to allegedly " verify '' anything. I have not been subpoenaed by any courts to release any information pertaining to myself either. However, no one has a sworn testimony to verifying this information. Confirmation of correctness, truth or authority of a pleading, account or other paper by an affidavit, oath or disposition.   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  . ; and   XXXX   XXXX   XXXX   XXXX   XXXX  . ( c.c )   XXXX   XXXX   XXXX  , and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  .
I paid my student loans on time and in full for over a decade using the payment booklets provided to me my ACS. XXXX years pass and now Performant Recovery collection agency is going after my wages without providing me account verification or other options.
There were XXXX hits on my trans union credit report where there should only have been XXXX. It was from XXXX Bank and I have already asked them about it and they said they only requested XXXX report. They requested it on the XX/XX/XXXX and my report shows another on the XX/XX/XXXX. I want it removed.
I received a call from a local number on XX/XX/XXXX ( XXXX ) stating they were XXXX XXXX and that I had an affidavit against me and I needed to call XXXX extension XXXX and reference case XXXX. I called the number and the person on the phone ( XXXX XXXX ) did not transfer me but took the case number saying he would transfer me to the correct person. He stated my current address, email, date of birth and social security number in full. He continued to tell me that he was working for a law office ( XXXX XXXX XXXX ) that was just trying to get information on the account to see if it was worth pursuing. He claimed I had a debt from XX/XX/XXXX with Huntington Bank in the amount of {$830.00}. He said that they sent me a letter and that I did not respond. I did not receive a letter because it was at a previous address that I did not reside at the time they sent. He continued to tell me that if I refused to pay that they would sue me for the amount of {$2500.00} for interest and damages. He pressured me into paying a settlement amount of XXXX. He also said they were part of a credit reporting program that would put a freeze on all of my accounts once he entered my information into the system. He did not say that there was any type of legal or court ordered action to do this. I asked for a verification of debt and he put me on hold to send me an email ( from : XXXX ) with an attachment that had a verification of debt that does not seem legitimate. I asked if there was a local office I could talk to someone in person. He told me that he was in California and that their other office was in New York. The address on the verification of debt was for XXXX, TX. I told him that I wasn't refusing to pay but that I needed to seek legal counsel. He said that he would give me 24 hours or that it would be considered a refusal to pay. I told him that I was not refusing to pay again and that I would seek legal counsel. He told me to call him back within 24 hours at a different number ( XXXX ). I could not find any information on the actual law office and the address and lawyer ( XXXX XXXX ) in Texas does not exist. I believe this to be a fraudalent collection and my legal counsel confirmed that I should file a report with the FTC on XX/XX/XXXX.
I opened account with them since this is the account out extended family uses in XXXX. We are buying a house and need to pay the note and my husband 's sister sent us money to help us which i was trying to use to put it in my wife 's account. The check was deposited and then withdrawn from my wife 's account.I thought we made a mistake and decided to use the city bank to make a credit card payment and not use it for critical payment for the note of buying the house, that was payment was cancelled.I called few times. The folks i talked to said it looks like a fraud and you can not use your money. it is only few days since you recd the money. i was very unhappy and talked to few people. i felt very harassed. I am doing nothing wrong. We are trying to pay for the house that we are buying so i wanted to make sure this gets reported and i know what was the outcome of the system. They said they think it is fraud and they closing the account and sent money back to the sender. THIS IS UNACCEPTABLE to a common man. I wanted to put a review for future folks but i will file a complaint to make sure they get penalized for disrespecting and XXXX us where we told 'you can not use this money '. We are hard working people and someone tell us i can not use my money, it is not okay. please let me know how can i help to ensure this issue is resolved and does not occur again. If you have any questions please let me know. I am so harrassed and it is affecting everything in our lives since this money is stuck and we are holding up all the bills and not sure how we are going to make our home payment that is coming up due in few weeks. Please give these guys sever punishment and block them from providing this service to customers. 
Complaint number : XXXX was the originial complaint
Ally Auto has billed me on numerous occasions for summons I have not received. When asked for a copy of the summons they claim they do n't have access and give you a summons number to look up on the DMV website. When you log into the website the number does not appear in their records. I have called the DMV several times and the summons number provided by Ally is never on file. They bill me for a summons they claim I received and add additional fees but can not provide documentation of the summons.
Ad Astra Recovery Services is attempting to collect a debt that is being reported on my credit report. The collection account was created on XX/XX/XXXX in the amount of {$460.00} and was last reported to XXXX on XX/XX/XXXX. I called Ad Astra Recovery Services in regards to this collection account on XX/XX/XXXX and was informed that this collection account was no longer being serviced by their company. I requested that if this collection account was not being serviced by them, that they would have to remove it from my credit report. The representative on the phone told me that they were not able to process that request for me, but in the past I have successfully had items on my report that were not being serviced by the correct collection agency. I ask that Ad Astra Recovery Services remove this collection account from my credit report immediately due to inaccurate credit reporting practices.
On XXXX/XXXX/XXXX, Fed Loan Servicing inaccurately reported, previously cleared, information causing XXXX XXXX 's credit score to drop approximately XXXX points. To make matters worse there is no record that the report from XX/XX/XXXX occurred and came to fruition only after he tried to make arrangements with Fed Loan Servicing for a forbearance. He was re-assured in a phone call to Fed Loan Servicing XX/XX/XXXX that no negative credit reporting was scheduled to occur, yet within 30 days of that phone call negative information posted to his account. Fed Loan servicing inaccurately reported negative credit information on XXXX/XXXX/XXXX. This has created financial difficulty for XXXX XXXX. He has been financial burdened from the mistake and the information on his credit report is not accurate. He has had difficulty from XXXX/XXXX/XXXX accessing credit, student loans, moving, car loans, and had to pay higher interest on debt as a result of inaccurate reporting. All previous negative credit reporting from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had been removed from the credit report ( by XX/XX/XXXX ) but now is inaccurately shows as 120 - 149 days late in XX/XX/XXXX ( as if default occurred XX/XX/XXXX ). Fed Loan Servicing illegally reported inaccurate information by changing the date of the already vindicated delinquency from XX/XX/XXXX. This Fed Loan servicing report is against the law because they re-reported previous delinquency from XX/XX/XXXX XX/XX/XXXX ( which was removed XX/XX/XXXX ). This is against FCRA Section 623 ( a ) ( 1 ) ( A which states : " it 's illegal to report information that you know or believe is inaccurate ... '' XXXX XXXX was unable to access financial resources as a result negative credit reporting because Fed Loan re-aged ( inaccurately changed the date of the first delinquency and has no record of doing so ) which is duplicative reporting and is in violation of the CRA Appendix A to Furnisher Rule Part 660. This rule says that a reporting agency must follow policy and procedures to prevent re-aging ; which Fed Loan Servicing failed to do as evidence by their denial of appeal.
In XX/XX/XXXX my wife was diagnose with XXXX XXXX .had a XXXX XXXX and we struggled making our mortgage payment to XXXX XXXX, we fell behind in XX/XX/XXXX and ask for a modification, that process dragged on until XX/XX/XXXX, XXXX then turned our mortgage over to caliber home loans, so for 6 months that it dragged on and finally we where approved for a modification trial which started in XX/XX/XXXX, we sent in 1 payment, at the time of the modification process we where also offerd a deed in lew of forclosure for XXXX, due to my wife going through XXXX treatments she developed XXXX and was XXXX XXXX XXXX XXXX XXXX XXXX, so we contacted Caliber and ask if we could do the deed in lew which would help us move to a warmer climate ( Florida ), they said we could so we took them up on the offer, they said some of the XXXX was to pay off exsisting leins against the house which would leave us with about 10,000 dollars, I had a job opportunity so we moved in XX/XX/XXXX 1 month after the deed in lew process was ok 'd by Caliber, Caliber keep sending me letters an said they where still working  on the lien details and may not have enough time before the XX/XX/XXXX forclosure date, in XX/XX/XXXX we surrendered the house to Caliber in good faith, and they jerks us around for 6 months saying they where working on finalizing the deed in lew, we had filed for a mediation hearing in XX/XX/XXXX to delay the forclosure for 1 month they said they should be able to settle before that.that time has come and gone and we still have not received a settlement. to this day the house is still empty, the house has been vandalized or homeless people living in it, I'am receiving threatening letters from the liens that where supposed to be paid off by Caliber, I cant afford a lawyer so I was hoping you can investigate this matter, thank you.my name is XXXX XXXX XXXX XXXX XXXX , XXXX Florida, phone XXXX XXXX
Citibank Mortgage Services used a wrong address to order a credit report for my pre-approval application and sent the loan-related documents to the wrong address. I myself of course did not get the package. There is a high chance that the package is now in the hand of a bar/restaurant because I was asked to provide " a signed and dated letter of explanation indicating why your current address would be indicated as a Bar/Restaurant/Nightclub on your credit report. " I later confirmed that it was the mortgage agent who made a typo on the system. Now all my important personal data, including my social security no., is at risk of being misused. I reported the incident to the department and I am waiting to see what step they will take. It is so unacceptable that they made a mistake like that. Now only was my loan application gets a little bit delay, I will also have to find time to do the remedy and prevent any damage to my future credit score. I do n't see any reason why they have to list the whole ss # in the document. I do n't see why they have to do it by mailing. I do n't see why THEY DIDN '' T CONFIRM MY ADDRESS.
I only got this card because Costco switched from AmEx to their Citibank visa. I have 3 other Visa cards with zero issues. However, this particular card never sends me paper statements. I 've requested them on 4 separate occasions, each time after my card is declined. I call Citibank to see why my card does n't work and they tell me I have n't paid my bill. I say what bill? I 've never received one. They say you 've requested electronic billing, which is incorrect. They agree to correct the problem and I never receive a bill. When you pay electronically, they automatically send an e-bill. I 've asked repeatedly where it goes, is it emailed, sent to my third party app I used to pay? No, they say, I need to login to my account on their site, which I 've never done. How would I know when it 's due? They told me I 'm just supposed to check my account. I do n't use this card regularly. Tried to get gas and it was declined. Called them to find out I have late fees and charges for a {$43.00} ( approx ) bill and $ 100+ in late fees for a bill I never received, despite requesting it. I asked them to reverse the late fees and told them I 've repeatedly requested paper bills. They told me they would look into reversing the fees, I paid the balance of my charges only ( not fees ), and they would send me a paper bill. I never received it. Instead I get some XXXX letter saying I 've requested not to be contacted for debt collection. I do not think these practices are ethical, legal or fair. My 3 other Visa cards are paid on time every month. I never had a problem with the Costco AxEx card. This company is unethical and I want my late fees reversed. I 've asked now 4 times for a paper bill and made them aware I am not receiving any notification to pay my balance. They are clearly doing this on purpose as a means for me to incur more late fees and interest. I requested to cancel this card and am done with this particular card. It 's ruining my credit and I 'm not paying fees for their incompetence and unfair business practices. Look at your phone logs and see how many times I requested a paper statement and how many times I received one.
I called the Experian customer support line to inquire about wrong information in my credit report. After waiting on hold for about 15 minutes, I spoke with an agent that was unable to assist me so she connected me to a dispute specialist.I can't recall his name but he had an XXXX accent. I certain there are phone records to validate. However, he was very rude and as I was having trouble understanding him due to his heavy accent. Long story short : he became frustrated and told me was going to hang up the phone in my face. I responded, that if you do that it would be very rude and I would contact his boss. He hung up the phone in my face.
XXXX XXXX sent me a letter stating that they could not accept the loan terms offered by the car dealership where I bought my vehicle at, but would be willing to accept a counter offer instead. However, I have already signed the paperwork, and put a down payment on XXXX XXXX 2017. I also signed the agreement for which the amount due per month was agreed upon. Ally can not change the terms now that they have been signed and whereas I have been driving the vehicle for over a month now.
I filed bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Prior to filing, I received numerous letters in the mail from Ditech stating that I could have XXXX-XXXX applied toward my loan or some other option. In XX/XX/XXXX, I had my hazard insurance reduced as I had lost my car/home discount and it was just too much. I notified Ditech of the reduction and said to reanalyze escrow to reflect new amount. They said they would,. I was NEVER late with a payment before or after my bankruptcy. It took them until XX/XX/XXXX to redo my escrow amount and then did not apply that amount until XX/XX/XXXX -- -- making me " appear '' as if I was not making the full payment on my monthly mortgage. I called numerous times and it was only today, XX/XX/XXXX that I learned that will not reanalyze escrow during a bankruptcy. THAT IS RIDICULOUS-Then they told me that they have been applying my paymnets made to the previous month because there was a " shortage '' which again is ludicrous! But if not for the fact that they waited 6 entire months to adjust the 2 refunds I sent them to be applied to my escrow account, none of this would be happening! I 've spent HOURS on the phone with Ditech with them giving me one excuse after another and NEVER truly trying to resolve this. Every other month, I get mail from them informing me that I still owe them anywhere from XXXX-XXXX dollars from monies they are trying to extort from me, from THEM not doing their job in a timely manner and penalizing me, in indirect, nondescript ways for filing bankruptcy! If anyone owes anyone, Ditech owes me-Not only for their erroneous business practices, but for emotional and financial strain and trauma. They also denied a different type of modification for me to comfortably afford my mortgage, due to the bankruptcy and said I did n't " qualify '' even though my mother passed away and my income from both her and my employer decreased substantially! They also LOCKED ME OUT of online access to my account to make payments for free and only allowed me limited access!!! Then I find out today that I was totally locked out! THAT makes no sense, whatsoever!!!!!