WillisBack/dataset-financial-user-claim huggingface dataset:
This is the 2nd time, in about two ( 2 ) weeks that I've had to file a complaint. I had requested through Transunion ( plenty of times ), to remove all disputed information, language from my credit report. Finally it was done, and then to my surprise, the language was placed right back on! What is even more surprising, is that the CFPB closed the case, and then right after, Transunion stated that I had 2 accounts in dispute, after I asked plenty of times through the CFPB and Transunion to remove the information. Can anybody help me? Is the CFPB going to step in and tell Transunion that I no longer want to dispute anything on my credit report? I'm really starting to lose faith in this process. Also, I've noticed that XXXX/XXXX continues to report that the account is in dispute, after I stated time and time again it wasn't.
Hello, I bought a home and my mortgage was sold to wellsfargo. 
For yeas they weren't paying the county taxes out of my escrow. When I informed them that the property taxes weren't being paid they paid them out of what we had saved in escrow and left us with a shortage. I do not believe we should have to pay the back percentage of late fees that have added up. Wells Fargo said they were not going to make us pay but there is nothing in writing stating that we didn't have to pay these late fees for years. 

Second, I pay a high risk mortgage loan insurance to them. It was supposed to come off when we had either met time requirement or paid into the mortgage by so much. When I called to have this removed, they said that my window to remove the high risk insurance had passed and we were stuck with it until BOTH the time and payment amounts were met. They wouldn't tell me how long this window was open. They also denied their interest in refinancing to take off the loan. ( Of course ) We're now looking into refinancing with our credit union and being done with Wellsfargo completely. 

Can you help me?
EXPERIAN HAS NOT UPDATED MY FIRST PREMIER ACCOUNT TO THE STATUS OF PAID COLLECTION OR PAID CHARGE OFF. I AM WORKING HARD TO RESTORE MY CREDIT AND NEED THIS INFORMATION UPDATED IMMEDIATELY!
I submitted a complaint in XXXX regarding incorrect information being report to credit bureaus by AES. Here is my original complaint : y credit report shows 7 late payments for my student loans with the Loan Servicer AES. 6 of the late payments from XXXX were incorrectly reported as these late payment dates were during times when my account was in forbearance. Therefore, none of these late payments should have been reported to the 3 credit bureaus. I contacted AES on XX/XX/XXXX and the call lasted from XXXX - XXXX ET. A representative provided me with my forbearance time periods. After review of the dates, I realized they were during the same times as the late payments that have been reported. 

Here is part of AES response to the CFPB complaint : Based on this review, corrected information was sent to the consumer reporting agencies to which the information was previously reported for loans one and two for the months of XX/XX/XXXX and XX/XX/XXXX. 

I spoke with a rep from PHEAA Office of Consumer advocacy  on XX/XX/XXXX and he stated request was sent to credit bureaus on XX/XX/XXXX to have the 6 late payments from XXXX removed. Credit bureaus have stated no request was ever sent by AES or PHEAA. 

I need this 6 incorrect late payments removed as they are hindering from moving forward with the home buying process.
I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation XXXX days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.
My Son and I applied for a college student loan with Discover Student Loans because they have displayed/promote on their website viable rates as low 2.99 %. I have very good credit of XXXX and the lowest they gave was 6.5 %. I 'm not new to student loans because I have XXXX older Sons in college with private student loans also and I know what to expect. I think it 's a scam and dishonest to promote such a low rate when it 's really not available ( 'bait and switch ' ). I went with XXXX XXXX XXXX loans because I received a substantially better rate, Substantially!
threatens says they will keep calling to call my family about my debt and threatens to keep calling my job.call sometimes 3 times a day.keeps calling when i tell them to stop.
I transferred {$500.00} by Western Union to a relative in XXXX. WU used a conversion rate of {$1.00} USD = {$1.00} XXXX. I thought that might be a little low and when I questioned the XXXX Phone Customer Service representative he indicaated he understood the conversion rates are determined by the prior days rates. When I checked the currency trading charts I found the rate when I actually transferred the money was {$1.00} XXXX. When I reviewed rate history, the last time the exchange rate was in the {$1.00} XXXX range was on XXXX XXXX XXXX when the rate was {$1.00} XXXX, and the highest rate this year was on XX/XX/XXXX and the rate was {$1.00} XXXX. Looks like I lost {$32.00} in the exchange at the lower rate, almost as much as the {$37.00} TRANSFER FEE. Should this have cost {$74.00} total? How are companies allowed to decide what the exchange rates should be?
I have never received anything from this company about debt, and furthermore this debt on my credit is a HIPPA violation!!!!
I got a loan over seven years ago and its gone into collections but I think they keep buying the collection from the original people and are still trying to collect and its been on my Credit report for like seven years at least seven years and Im trying to clear my credit up and I cant because they wont take it off the same companies reporting the debt for {$110.00}. They say the dead is from 2015 but that is not true this debt is from At least 10 years ago.
I XX/XX/2018, I tried to close a XXXX balance HELOC with Bank of America. They did not close the account due to the charge of a XXXX dollar re-conveyance fee. After I was informed of the XXXX dollar fee, I paid the fee and they still will not close the account because they decided to impound flood insurance. I have an elevation certificate, so I do not pay flood insurance anymore. They started charging me flood insurance ( I do have a first mortgage on the home and they do not require flood insurance ) When I pressed the B of A flood department for more information, they lacked basic flood knowledge. The did not know what a LOMR was or what pre-firm meant on a flood map ... ( real experts ). They told me to call FEMA ( which I love to do during hurricane season because they have nothing to do ). I do not have time for their incompetence. I asked several times for a licensed individual to talk to or someone with an NMLS number that could be held accountable. They did not provide anyone who was licensed despite numerous requests. 

I asked them to close account in XXXX ... still not done
In XX/XX/XXXX, I noticed 10 cash advance charges on my Capital One Mastercard ending in XXXX from a merchant, XXXX/XXXX between XX/XX/XXXX-XX/XX/XXXX. I immediately contacted Capital One to report fraudulent activity. My card was deactivated, and a new card, ending in XXXX was issued. and immediately destroyed upon receipt. It took numerous phone calls, and finally at the end of XX/XX/XXXX, I spoke with someone who followed through, and credited my account for charges, interest, and associated fees. When I received my bill for XX/XX/XXXX-XX/XX/XXXX, there were 5 additional charges, again from XXXX/XXXX. Again, I contacted Capital One to report fraud, the card ending in I declined receiving an additional card due to the problems associated with the fraudulent charges as well as the shady customer service I had received. The charges were credited back to me. On XX/XX/XXXX I received notification that the last 5 charges were charged back to my account. After speaking with the individual managing my account, I received no further response to numerous messages left on her voicemail. On XX/XX/XXXX, I again contacted Capital One, spoke to a representative who assured me I would hear back within 72 hours and receive correspondence confirming my complaint. As of XX/XX/XXXX, I have nothing. On XX/XX/XXXX, I again called the fraud department, and apparently everyone is now a manager, to no resolve. My bill still reflects the 5 transactions, cash advance fees, and interest charges. Capital One has a policy for fraudulent activity that they do not live up to. How could have charges been made when the card had been destroyed? Why would they not credit charges made at the same merchant the initial 10 charges had been made? I would like this resolved, and the have all of the charges, fees, and interest credited to this account so I can officially have nothing further to do with Capital One.
I am not sure to say if it was paid or not mine. AT the time of this service i went to location and was required to pay for the visit because I had no insurance. I was seen and at check out payment was collected. This is their policy since i was un-insured. I have asked numerous times for an agreement signed by me where more money was invoiced. Everything done that day was required to be paid .... They continue to try and collect this debt even though it should not have been billed. Please send proof of visit and charges, as I have asked many times.
I applied for a Chase Sapphire credit card. Chase denied my application. The reason given was I had received too many cards in the last 2 years. My credit score is over XXXX and I have 20 years of clean credit history. I do take advantage of credit card offers when the rewards offered is equal to {$100.00} or more. I think they denied my application because of this and because I do not carry a monthly balance with any credit card nor do I make cash advances or transfer balances. I think this is unjust discrimination. Can anything be done?
I have a debt collection agency calling to collect a debt that I do not owe. I send a letter to the agency requesting a Validation of Debt within 30 days. This time period has passed, and I have not received validation. I had also requested no further phone communication, yet I received another collection attempt over the phone on XXXX/XXXX/15 at XXXX.
I have sent certified letters, documents, made contiounous phone calls in reqards to unathorized inquiries and a collection account that i have requested verification of and have no knowledge of and still havent got items removed yet
I have a mixed credit file with another family member. XXXX and XXXX have removed the Public Record but XXXX and Transunion refuses to call the Court House to investigate. Numerous inaccuracies exist including wrong address, No  dollar amount, wrong District for Bankruptcy and furthermore they say it happened on my birthday. Please remove this from my file?
Yes I had an agreement with someone to purchase an item for XXXX. I sent that person the money for the item. After a week of him saying he will send the item, I do n't hear from him for a day or he ignores me. After a week, he says he needs more money before he will send what I paid for. He of course is refusing to refund the money. I filed a dispute with my bank and sent them the original proof for the agreement to send the item, and then another picture showing where he said he needs more money before sending. The dispute team for my bank refused to refund the money. On their website, it says in covered by Visa Zero Liabilty for fraud, however they will not agree that o deserve the money back.
I experienced a potential identity theft which was made evident when I tried to file my Federal Income taxes electronically on XXXX XXXX, 2016. The IRS told me there was a duplicate submission for my SSN, and I had to follow an alternate filing process. I established a 90 day fraud alert with the XXXX credit bureaus per IRS instructions. I erroneously also added a credit freeze at Experian, which I am trying to remove. The problem is that I ca n't talk to anyone at Experian and they will only ; let me unfreeze the freeze by using their automated system and paying a fee. I read on their page that there is no fee, in my state ( NY ), if the person is a victim of identity theft. I have been trying to get in touch with them for over a week now ( via their web site and email ) and there is no response. It 's like they are a monolithic corporation. It 's not so much the dollar amount, but the principle of it. .... the law allows me to unfreeze my credit at no charge, yet Experian is making that virtually impossible. By the way, they provide no individualized email or phone customer service, from what I can see. Hopefully, I am wrong about that but, that, in itself, is alarming. What about people who have more serious problems? Thank you
I currently owe a military debt to XXXX. I have already paid XXXX of that debt. I am currently having surgeries. I ca n't not pay at this moment. They call at least 5 times a day. I have decided to stop calling them back and cease all communication at this time as it is hurting my ability to work as well. They want an update at least once every few days on my situation. They are not my attorney or doctor and I do not need to tell them anything. When I would pick up their calls they would never identify themselves until after the notification of the debt. This is not only deceptive but illegal under law. They have also used different types of numbers. Just today alone I was called 6 times.
I contacted XXXX And disconnected service. I spoke to a lady who tried to convince me to stay. I told her no way, XXXX is awful. I started using XXXX. A month later XXXX sent me a bill. I called them XXXX times and complained. They then sent me to collections. I have just received a letter from diversified consultants inc. Stating they are trying to collect XXXX debt. I am not paying for service that I did not receive.
Equifax data breach I never recall giving permission to Equifax ( or XXXX, XXXX or XXXX ) to have, hold and steward my personal information. They had a data breach of my personal information and now when I need them the most to place a TIMELY credit freeze on my information, I ca n't get it done online or via phone utilizing THEIR processes. Meanwhile everyday that goes by, I am exposed!! This is unacceptable correct? Additionally, due to THEIR failure I am forced to place a freeze with the other three agencies all of whom want to charge me money to do so. How is that fair to me as a consumer??
Multiple dates last 2 weeks in XX/XX/2019 PAYPAL refuses to process multiple routine transactions without explanation but with message to " try Later ''. Telephone conversation with tech support reveals a " security block '' reason unknown to humans. I am told nothing they can do and they dont know when this problem will end. Additionally i am denied access to my account due to security verification code that paypal insists on sending to old phone numbers that are 20 years old. This in spite of the fact that i have removed these old numbers from my profile.
Former employer is making me responsible for business expenses incurred. I am not sure if expenses were due to fraudulent activity. Company would not give me statements. I sent Credit Card company payment for expenses I was responsible for. I am being told to pay expenses I DO NOT OWE. Company sent me letter if I DO NOT contest in 30 days I WILL BE responsible for amount. Please advise. Please help me protect my credit.
On XX/XX/XXXX and XX/XX/XXXX I sent goodwill letters to the CEO of XXXX XXXX regarding late payments on my credit card account from XX/XX/XXXX to XX/XX/XXXX. The reason for the lateness was because of financial hardship due to being laid off and the unemployment extending longer then expected. In both attempts in requesting to have these lateness removed I was denied my request. I have been a loyal customer of XXXX XXXX since XX/XX/XXXX and this is the only time I have ran into this issue. Since XX/XX/XXXX I have been paying this account on time and have not have a late payment since as well as had a car loan account with XXXX XXXX which was never paid late.
I sent Coinbase a wiretransfer of {$2000.00} and on XX/XX/17, I received an email from them saying : " We appreciate your interest in Coinbase! You recently sent a wire to your account for {$2000.00} XXXX, unfortunately we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. ". They claim on their website that it would take up to 10 business days for the wire reverse to complete but it has been over 20 days and I have yet to receive my money back. I opened a support ticket with Coinbase ( case # XXXX ) but have not yet received any resolution from their customer service team.
I am filing this complaint against Equifax , because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. It has been over 30 days. So this account is supposed to be removed from my credit report according to the FCRA. 

Also Equifax put back an unauthorized inquiry that was deleted off my credit report in XXXX 2016. I have proof that it was deleted XXXX 2016. The included attachment shows it was deleted XXXX XXXX, 2016. It is item # XXXX on the enclosed attached, XXXX.They re inserted it back on my credit report the next day. I have been writing them since XXXX 2016 and sending them the proof that it was deleted. But they ignore me and continue to list it on my credit report. I had read somewhere that they must send you a written letter giving you 5 days notice that a deleted account will be placed back on your credit report. This was not an account, but an unauthorized inquiry due to identity theft. Please help me get these issues fixed. Thanks
Hello, There is a new credit reporting company now called Sage Stream, LLC based in XXXX XXXX, CA. The company offers no online dispute and wants information that they should not need to get a credit report. You have to mail them the following. Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address None of the other credit reporting agencies need information to this extreme. I have never heard of these people so i am not sending everything from my whole life to them to get a credit report.
Used AnnualCreditreport.com got to the point where the XXXX companies give your score and not one actually gave me a score. I was able to attain my report information, but have no way of knowing how that translates into a score number. The first company failed, which i find convenient since they offered to give access to my score all year for XXXX, the second gave me my report but no score, the third was similar to the first. All of them have errors giving free scores but not when you purchase them? This is a shake down. I am looking into further legal action and researching how many other people have complained of this.
My husband lost his job in XX/XX/XXXX. I was a stay at home mother at the time and hadn't worked a fulltime job in 15 years, Pre-emptively, because my husband was having some XXXX XXXX issues, I contacted Wells Fargo in XX/XX/XXXX and asked for forbearance. I was told at the time, now I know better, that they " didn't do that ''. When I asked what recourse I would have, because I literally would have no income coming in until I could find a job, I was told that I would have to actually be behind on my mortgage and call back so that the process of modification could be started. I found a job, though making a fraction of what my husband made, and didn't make the next month 's mortgage payment. I eventually was told that I would need to submit mountains of backup paperwork and agree to make a minimum mortgage payment for a 3 month period. I went through that process over and over again until the next year. I asked repeatedly about what a modification actually was and whether or not my credit would be affected by the process and was told over and over again that it would not affect my credit. Eventually, a woman showed up at my house with only the signature pages of documents for the modification ( NO original documents of any kind were left with us ) and we signed while she notarized them. She claimed she was just a notary and had no access to the documents, she couldn't explain anything to us, she knew nothing. I questioned our loan representative about what had actually transpired and he explained that our principal had been modified and we would now make lower payments. Long story short I eventually found out that we had a " silent second mortgage '', I had never even heard of this. I asked if/when it would be released and was told first that if we made 12 months on payments on time we could ask for it to be forgiven. A year later I was told it was actually 24 months. Two years later, none of that was true and it will never go away, so I actually with all of the fees, interest, etc,. now I owe more on my upside down mortgage than when I started out. I am hoping that the phone calls have been recorded at Wells Fargo. Also, I received a letter in my husband 's name stating that an account had been closed, one that we never authorized and had no idea had been opened! My credit is ruined, because Wells Fargo continued to show our account as delinquent though we were making the payments on time. When I called about this, I was told I could always refinance with another company. Of course I couldn't though, because they ruined my credit. In XX/XX/XXXX, I requested a payoff letter and also spoke on the phone again with someone hoping to get forgiveness on the silent second and was told I didn't have one. I waited on the phone while he checked, and he claimed there was nothing in the file about a second mortgage and sent a payoff letter only listing the first. However, I checked the recorder 's website and it is still there!!! Help!
When I used my American Express " Bluebird '' card at a gas pump I used my old zip code ( we just moved ) and the pump declined the transaction. Yet it put a hold on all of the funds on my card. When I called the company they will not release it for 8 days. I went to the owner of the gas station and they are large enough that they told me that they automatically released the hold to American Express. I got the Amex rep on the phone with the vendor who told Amex they would fax a release. Amex would not release my funds. I am denied access to my money for eight days and my transaction was declined.