WillisBack/dataset-financial-user-claim huggingface dataset:
I had a loan with HSBC for a house I owned. Because of unforeseen circumstances we had to process a died in lieu on my property. This was back in XXXX. I processed and signed everything. Fast forward and I have tired to get a loan on a home and was told I had a forclosure. After many phone calls and research it turns out that HSBC never finished the process of the died in lieu. I even spoke to the lawyer that HSBC used and they verified that the bank just stopped responding to them. So because of that i am unable to purchase a home until XXXX of XXXX. We went back thru the entire process of the died in liue and submitted again ad finally dont correctly. The bank had nothing to offer, even apologizes, as this was their fault and my family left without being to buy a home.
Tried to get XXXX and Equifax credit reports through XXXX. The reports appeared but the session expired before I could print them, and when I tried to see them again ( within a couple of hours ) the system said I had to get them by mail, and could only get them if I provided a pay stub, a copy of my social security card, and a XXXX form. This does n't make sense since I did not have to provide those to see the report online. However, it said I would be able to access the reports for 30 days online, and I ca n't. So now I have used up my XXXX free annual report request with them but I do not have access to the reports.
this company XXXX XXXX account XXXX XXXX XXXX has an account on my credit report that does not belong to me. This has caused me undue stress as my XXXX XXXX has increased. I have just retired and my physician recommends a warmer climate to live in and with this account on my credit report it has been hindering my move. I would be eternally grateful for your help in removing this error from my Experian credit report.
The Ditech went through a system upgrade on XXXX. I called on XXXX/XXXX/16 to ask why duplicate payments had been made as it was showing payments on XXXX/XXXX/16 & XXXX/XXXX/16. I was transferred to the tax department ( XXXX ) who told me they would investigate and get back to me within a week. No one ever did so I called back a week later and they informed me that the system upgrade ended up causing what seemed to be duplicate payments to the City Tax due XXXX/XXXX/16 but one of these payments were " ghost '' payments and they were n't disbursed or taken out of my escrow account on XXXX/XXXX/16, but the actually only payment that was disbursed by them was on XXXX/XXXX/16 which was the correct one for the XXXX tax bill. I told them I was refinancing and needed the Payoff amount to be accurate, they confirmed it was. On XXXX/XXXX/16 it again shows ANOTHER payment for the tax bill due on XXXX. I called on XXXX/XXXX/16 to ask why another duplicate payment was made. They said they made a mistake when the did the first investigation and found out I was refinancing with another company and they wanted to hurry up and make the payment and it caused a duplicate payment and disbursement. I was told they would escalate the problem and it would be refunded back to my escrow account within 3 businesses days. I called after 2 and was told to call back the next day. I called back after 3 days on XXXX and was told it 's still being investigated and to call back tomorrow. They are showing a negative balance on an escrow account that should have a surplus and the did this knowing I was refinancing and this is causing many issues on the payoff amount.
This complaint is against Equifax Credit Reporting Agency. An account called XXXX XXXX XXXX XXXX with XXXX XXXX in XXXX, KY appeared on all three major Credit Reports. It is not mine so I wrote to all three companies and asked for removal. They all 'claimed ' to have investigated my request. Both XXXX and XXXX removed it as, " not able to verify account. '' Equifax said they verified it was mine. I wrote Equifax and asked how they investigated 'this ' account and what proof they collected since no one had proof of the account. They sent me a generic print out of, " the way investigations are typical handled ''. They wrote a letter saying, " they confirmed the debt belongs to me '' but offered no proof. I requested this information from Equifax a total of five times with the same generic print out being sent to me. So I wrote a letter to XXXX, the collection agency and asked what proof they had. They also had no proof. They sent a print out saying the name of the original company ( no address, nor phone, no email, no servicing address, no list of services, no explanation, no bills, no copy of contracts - nothing ) and a date. Since I still had no proof of a debt, I already knew was n't mine, I filed a complaint on XX/XX/XXXX with the Consumer Financial Protection Bureau ( CFPB ) # XXXX against both the collection agency and Equifax. I also filed a complaint on the same day with the BBB ( Better Business Bureau ). I demanded legit proof or deletion. The collection agency XXXX responded they would re-investigate and obtain proof. I then called XXXX XXXX XXXX to discuss/assist with the investigation ( spoke with a manager " XXXX '' ) since I knew it was n't mine and I wanted this account removed. XXXX XXXX did respond at the end of the new investigation deadline on XX/XX/XXXX with a letter through the BBB saying they will request a removal with Equifax since they could n't obtain any proof of said debt with the original creditor. However, Equifax who also claimed to have opened a new investigation responded yesterday on XX/XX/XXXX in an email case # XXXX that they completed their investigation and confirmed it is mine and wo n't be removing it. If the collection agency was not able to obtain proof then how did Equifax " obtain proof ''?
On XX/XX/XXXX I contacted the B of A because I am trying to refinance my XXXX mortgage and have a lien on my property for XXXX. The Lien is actually in the name of California XXXX XXXX as it was a down payment assistance program. Bank of America has the loan ( Loan # XXXX ) and sends me a statement every month with a XXXX balance. This loan was discharged in a Bankruptcy discharge on XXXX Case # XXXX. On XXXX I asked Bank of America for a lien release on this loan. They told me it was still an active loan, I explained it was discharged in a chapter XXXX BK and asked to speak to a supervisor, they would not let me be transferred and then opened a research case on XX/XX/XXXX told me it would be XXXX days. I called every day to see if there were any notes or resolution which there were none. I called yesterday and XXXX told me there are notes on the loan from the research team but that he did n't understand what they are saying so he opened a case again and told me to call back in XXXX hrs. I have not received any phone calls from the research team or any letters. I now have XXXX business days to complete my refi.
My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name.

They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. 
At some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the spring of XX/XX/2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. 

I did attempt to file a police report in XX/XX/2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). 
I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however your company still refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account from my credit report. 

They have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. You have changed your story several times and have been giving me the run around for nearly 18 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. 

I reported the accounts that was fraudulent to XXXX and were needing to be blocked back in the fall of last year ; instead of processing it is fraud, you opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days. 
I have documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose.
It was just brought to my attention that Discover has been charging me a " discoverpaymentprotection '' fee every month since 2008. This charge is XXXX per {$100.00} balance. They state that I had signed up for this over the phone while speaking with an agent but have refused to provide me with any documentation or a recording of that call where I supposedly signed up for this. There is no possible way that I knowingly signed up for something like this. They have offered to refund me 6 months of the fee but this has cost me by my rough math in excess of {$1500.00} over the last 10 years and as I can not recall and very much doubt ever signing up for this and they can not provide any proof that I authorized this charge I am due back the full amount of this fees charges to my balance since 2008. Really I should be refunded interest charged on that additional balance as well but would settle for the amount of the erroneous fee.
Received a call from  XXXX   XXXX  from  XXXX   XXXX   XXXX . I advised her I am not allowed to receive personal calls at work.  XXXX   XXXX  threatened to sue me. I again advised her I was not able to speak with her while I am at work.  XXXX   XXXX  has also contacted my employer on his personal cell phone.  XXXX   XXXX  very verbally abusive during this entire call.
I just received copy of TransUnion 's reply to complaint # XXXX. I find it unbelievable! They have for years, made available a totally inaccurate report of my credit rating and details and they ask for 60 days to correct! 

Their original credit bureau report stated the following : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiiable information Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. 

TransUnion has not indicated they have verified ANYTHING as accurate. They are not authorized any additional time beyond the 30 days originally allotted! They have used up 12 of the 30 days and must complete ALL CORRECTIVE ACTION within the remaining 18 days AND NO MORE! 
TransUnion has also reported information beyond 7 years aged, this is not legal!. The FTC and the DOJ will intervene if necessary. TRANSUNION - Get your problems fixed NOW.
I previously sent two requests for validation of the debt. Never got an answer from Phoenix Financial. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. The date of my accident was in early XX/XX/XXXX ... they are trying to show a date opened of XX/XX/XXXX when they apparently bought this debt from some other collection collection. I believe that Statute of Limitations for this matter has already expired and the entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.
The collection company only gave me 10 days to respond to the court regarding the attorney 's lawsuit against me and my wife. In addition, the last two days of the 'answer to the court ' landed on a weekend. The court is closed on the weekend. Therefore, I actually only had 8 days to respond.They are suing my wife as well, even though I am the person that signed for the medical financial document. I called the collections company to work out a reasonable payment plan and they refused to negotiate, and proceeded to get a judgement through the court against me almost immediately, after I spoke with them.
I got this loan in XX/XX/2014 only had 8 late payments, loan started at XXXX now after 4 yrs balance is XXXX, It hadn't went down only up this can't be right. I had no help from them, they just say pay more, I need help so I can pay it off
Pro Collect Inc. sent me a memo stating they would accept % XXXX paid of the debit and close the account. After speaking with them over the telephone and confirming i was inform that they would report the account settlement as soon as possible. This did not happen, the account is still open and only reflects that i paid half when in fact the account should be reported closed and paid in full.
I took out large loans to cover my total tuition expenses for college, as my parents were not in a financial situation that could offer much help. 
6 months after graduating with my XXXX in 2013, I was contacted by Wells Fargo to begin my repayment plan. They asked me to pay $ XXXX/month. When I was baffled and confused, the only comments from reps I was met with was " well, do n't you work full time? You knew you were going to have to make these payments? Your parents ca n't help you at all? '' It has been a constant struggle. It 's an astronimical payment for anyone to make, let alone a young person just getting started in their XXXX 's. When I applied to get them consolidated, I was declined because of my low credit score..which is low because I have a difficult time making their payments AND having money to live each month. They wo n't work with me at all, and seem to think it 's perfectly acceptable to ask a XXXX year old to make {$1300.00} payments each month. On top of my rent, and bills. I ca n't make ends meet and I do n't know what else to do. I even offered to make {$800.00} or {$900.00} payments each month, I just can not to the {$1300.00} each month, and they were n't satisfied with those numbers either, which is still incredibly high compared to most student loan payments. I 'm stuck and do n't know what else to do. I am not trying to get out of making my payments, but I ca n't live and pay that extreme amount each month. I do n't know anyone at any age that could swing that payment on top of their regular monthly expenses. Please help.
I applied for the BBVA XXXX XXXX XXXX card on XXXX/XXXX/XXXX and received my denial letter on XXXX/XXXX/XXXX. The stated reason was " unable to verify identifying information ''. This reason is complete bogus and I have several friends who have received this same denial reason. I have not changed my address in 13 years and have no fraud alerts on my credit report. I take safe guards to manage and protect my credit and this denial reason is completely bogus.
Allied Interstate in XXXX placed a wage garnishment against me on a student loan debt that was outstanding ; while making small payments from time to time. I not once spoke to anyone at this collection agency in regards to this matter. In XX/XX/XXXX, I took a FMLA from my employer to care for a parent after being here since mid XXXX. In XX/XX/XXXX, my father past away in my care during his illnesses. During this time small payments were being made directly to Department of Education 's website. Needless to say, I have been attending college since ( if not mistaken ) XX/XX/XXXX up to this present time. After speaking with a representative in regards to the garnishment, she asked if I could settle the account immediately I am not in a position to settle a XXXX account. Some papers were mailed to me to assist with making paying arrangements in order to release the garnishment. To mention once again at this present time I am still attending college. I am requesting monies to be paid back, and release the garnishment against XXXX XXXX XXXX XXXX XXXX. Especially after returning back to work from XXXX, and we are working during the summer months. The XXXX for 10 months are employed for 180 days. There has been XXXX occurrences were XXXX payments have been garnished during this time. XXXX XXXX XXXX XXXX XXXX began XX/XX/XXXX.
This item has appeared on my credit report erroneously. I have requested debt validation several times beginning in XXXX 2015. I have received no debt validation however the agency consistently attempts to collect payment and falsely report on my credit bureau reports with XXXX, XXXX, and XXXX. I feel helpless and experiencing extreme harm to my livelihood in terms of my credit.
I received a letter dated XXXX XXXX in the mail from Provident Funding on Tuesday XXXX XXXX. The letter stated that my mortgage payment had been received, but that it was being returned because it was not for the full payment amount and that if payment was not received by XXXX XXXX ( already in the past ) I would be charged a late fee. I immediately got on the website to try and make a payment, but the website would not allow me to make a payment. I tried to submit a request to be contacted, as it was after business hours, but the website would not allow me to submit the request. The website simply was not working. On XXXX XXXX I called the customer service line and was told the wait time would be 2 minutes. After being on hold for more than 18 minutes I received a live person. After a painful phone call and several more waiting periods we found that the website truly was not working and I could not make a payment online. Therefore the fee to make a payment over the phone was waived, but the late payment was not. Provident states they sent a notice of my payment change. While I understand this may be true, the fact is I never received the notice, nor was it showing online as I clearly pointed out to the customer service representative who was on the phone with me while I logged in and was unable to get access to anything. With my perfect pay history to date and the fact that I sent my payment on time ( less the apparent change in escrow given the XX/XX/XXXX escrow analysis ) I am shocked that Provident will not step up to their multiple issues and waive the late fee. Their poor process and failures include : returning a payment, poor customer service, non-functional website, untimely delivery of a late notice and possibly not sending and escrow analysis change.
I purchased merchandise on XXXX different occasions at Best Buy at zero percent interest. These have XXXX different expiring dates. I have made monthly payments that were sufficient to pay these off before the expiration dates but the payment was only applied to XXXX of the balances and now that XXXX of the zero interest periods has expired there is still a balance and they have charged interest.
I filed for a loan modification in XXXX. It was never processed. They restarted a foreclosure action in XXXX of that year and claimed they mailed a back-dated letter that I never received. I never had the ability to appeal nor was given any information about how I did not qualify. The servicer is currently barred from foreclosing, as of the XXXX, from the XXXX, and is proceeding anyway and nothing has been done to correct this error from XXXX nor from the same situation in late XXXX.
Had credit card with XXXX, had good credit, and when they filed Bankruptcy, it was noted that it was derogatory on my be half! I had long good standing with the company! It should not be a derogatory statement on my credit report!
My home was refinanced by XXXX Bank in XXXX. Mortgage was sold to Nationstar. In the original contract it said when my mortgage reach 78 % the PMI would be removed automatically without an appraisal. I have sent them a request of a letter that was given to me from XXXX Bank to follow to at the appropriate time. I have also tried talking to them. All they want me to do is re-fi with them to remove the PMI. I refuse.
I never received early warning notice from collector. I called the collection agency and they I advised them that one of the bills was never sent to my health insurance, the young lady stated that they sent It to XXXX XXXX, I explained to her that I had XXXX at the time and provided the insurance information. She stated that they will not remove it from my credit report but will bill the insurance company and it may get denied for timely filing and if so then I will have to appeal it with the insurance company. I explained to her that they have 365 days from the date of service to send a claim and that at the time I went to the hospital I provided my insurance card and the hospital still submitted the claim to the wrong insurance company. I also told her that I never received and early warning notice in reference to neither of the bills, therefore not giving me a chance to validate the debt.
I have been receiving a hard credit inquiry from XXXX XXXX under XXXX credit card since XX/XX/XXXX. It happens consistently. I have not applied for a credit card with XXXX. I am very careful to make sure I do not click the " apply for credit '' button when I place orders with XXXX. The following dates have hit my credit report and keep knocking my XXXX XXXX down : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, my XXXX XXXX dropped from XXXX, which I struggled hard to get to after a bad car accident, down to XXXX. This has to stop! I have contacted XXXX on several occasions via chat because it was the only way to reach them, and again today by phone XX/XX/XXXX. The man on the phone told me " it is not in my knowledge database provided to me how to help so I am sorry that I can't help you. '' I guess there are no supervisors? I have also contacted XXXX XXXX on several occasions, most recently today XX/XX/XXXX and XXXX XXXX told me that they do not handle disputes because all they know is that something came through to them and they have no way of telling if it was fraudulent or not. All they could tell me is it was from an XXXX credit card. 

My credit was compromised in the XXXX  data breach in XXXX, but that still does not explain the XXXX date. It is possible that back in XXXX I did apply for the card accidentally, but I can not locate any record of that in my XXXX account. I also have definitely not applied in this or the last year at all. I want to know who is doing this and why they are able to do it. My credit report has a lock on it, so this really concerns me because it is still happening. I have not even placed an order on XXXX in months. 

In addition to this, I've filed disputes with all the credit report bureaus and nothing ever changes on my account.