WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled my credit file on XX/XX/XXXX and realized none of my accounts on my equifax report had updated since XX/XX/XXXX. I called each of my creditors showing on my report and wzas informed by each of them that the had been sending my credit file monthly to equifax. I called equifax on XX/XX/XXXX and informed them this was going on and that my file for the last year none of my accounts had updated my credit limits, balances or payment history since XX/XX/XXXX the rep informed me that she had matched up my information in their system and it would update within 24-48 hours. The following week I pulled my report again and my info still had not updated, I called equifax back on XX/XX/XXXX asked for a supervisor I was put on the phone with XXXX ( a supervisor ) she told me every account that was listed on my credit file had stopped sending them updates in XX/XX/XXXX. I informed her that I had statements from my creditors that stated my history with them that they had been reporting to equifax she informed me the only way they could update my credit file is if each of my creditors called them and they updated my file through there business dept my creditors informed me they do n't do that they only send electronic files. Equifax has refused to update my file even after sending them the letters from my creditors stating my credit limits, balances and payment history
I visited the American Express Website ( www.card.americanexpress.com ) on XX/XX/2016 and did a pre-qualification to determine the best card for my balance transfer needs. My results indicated XXXX cards, The Blue Cash Everyday, The Premier Rewards Gold Card and the Every Day Card. The website indicated 0 % APR for 12 months and a {$100.00} reward after spending {$1000.00} within the first 3 months for the Blue Cash Everyday Card. Based on this information, I did a Balance Transfer from my XXXX Card which at the time had an APR of 12.99 % to my new Amex Blue Cash Everyday Card. First Statement dated XX/XX/2016 I was charged interest, I called customer service on XX/XX/2016 to put in an investigation. The first representative that I spoke to indicated that it might have been a system glitch. The second representative I spoke to a week later indicated I needed to enter a promotion code during the application process and as a result of me not entering a promotion code I would have to reapply using a promotion code for the same card. I replied that there was no mention of a promotion code at the time of my application and also proceeded with a 'mock application ' using my mobile phone during the call, got all the way to end of the application without submitting and again, explained that there was no mention or request for a promotion code for the advertised promotional Introductory offer. I called several times requesting updates. On XX/XX/XXXX during one of my followup calls, I was told by the representative that " offers are advertised but not every one qualifies, it depends on ones credit report ''. At which point I responded that my credit report satisfied the lending requirements hence the approval of the credit card. The representative went on further to say " yes, you were approved to have the card but not the introductory offer after review of your credit report ''. After almost two months, a dozen phone calls and conversations with numerous representatives within the Customer Service Department, on XX/XX/2016 I was informed that the investigation has been closed and the introductory offer was not applied to my application because after review of my credit report, I do not qualify for the introductory offer for which I applied. I was however approved at an APR of almost 24 %. This was not indicated in the Disclosures/Credit Card Agreements on the website, which I took the time to read prior to submitting the application. This is clearly a violation of Regulation B, Equal Credit Opportunity Act and I truly believe that I have been a victim of discrimination with regards to the evaluation of my credit application. The advertising and marketing information listed on the website was unfair, misleading and extremely deceptive.
On Friday, XX/XX/2018, XXXX XXXX called my place of employment ( XXXX XXXX  ) and demanded to speak to me. Our receptionist told XXXX that I was teaching and could not leave my class to answer the call. Our receptionist said that XXXX went " crazy '' on him because she didn't like his answer. Our receptionist said that XXXX was rude, unprofessional and would not stop yelling at him. XXXX told our receptionist that she was on her way to serve me papers, and that everyone should be prepared. Our receptionist gave me the following contact information : XXXX XXXX, ( XXXX ) XXXX, and my case number. Note : XXXX would not release the name of her company. 

XXXX called back a few minutes later and got the second receptionist at the school office. Yelling again, XXXX told the receptionist that she needed to make sure that someone was there because she was coming to serve me papers that afternoon. In fear, this receptionist transferred the call to my supervisor ( school principal ). The principal told XXXX that she would take a message. 

Given XXXX 's aggressive nature and potential hostile situation, the Principal summoned the city police to the school office!!! 

When I was called to the Principal 's office, I was met with the school principal, our Superintendent, and the city police - not to mention a few other building teachers who walked in to see what was going on. 

XXXX 's unlawful behavior caused me a great deal of humiliation and scarred my reputation that I have established in the past 22 years at the school. 

Please help me close down this unlawful company so they can not continue to ruin one 's employment, character and livelihood!
Hello, I have had a car loan with JPMorgan Chase which I paid in full and you sent me a letter certifying so on XXXX-18. Still the dmv of XXXX XXXX in fl says Chase didn't release the electronic lien and so I can't get my title and sale my car. I have been calling every week for months now and every time I am told by Chase that they released it and every time the dmv says that CHase didn't. I even went to the dmv with the letter but they say they can't do anything until chase release the ELECTRONIC LIEN WITH XXXX  FL!!! 
TEN TIMES i CALLED AND i AM TOLD THE SAME THING AND Chase NEVER DOES ANYTHING. I paid my loan and now Chase doesn't release the lien, you won't catch me doing another car loan or any loan with chase and I will make sure any friend knows how badly you treat your customers!!!! 
Please help me fix this situation. All Chase has to do the dmv says is uncheck a little box and it's done but apparently that's too hard for chase. It's not fair as I paid faithfully without missing one payment for years and now they won't let me have what is rightfully mine and paid for, the title to my car. 
many thanks XXXX
1. XXXX XXXX COMPLAINT. 
While banking with XXXX XXXX bank on XX/XX/XXXX. I ran into the trouble with finding employment. As member, I had choice to pay my bills automatically. Going through the struggles, I asked XXXX   XXXX bank to cancel the incoming automated payments bills, instead they informed me that this was not possible. They informed me that this was solely on system. By the end of all this, I had {$950.00} in fees with bank which I paid all of it off to the bank. Bank having little satisfaction, it reported me along with my social security to all its associates and many other financial industries as risk customer. I soon realized that since my name can be found into XXXX XXXX XXXX which completely sabotage my life and shaded my reputation even after I finished paying off the debt that I owed. I would like your office to have XXXX XXXX bank do its duties by taking off my name off XXXX XXXX XXXX as risk customer and stop ruining my reputation. 







1. USAA COMPLAINT. 
While banking USAA bank on XX/XX/XXXX. I fell for scam employment which I happened to receive job offer working from home. This offer came with funds to purchase computer equipment and pre-paid life insurance. Being hesitant customer, I informed USAA customer services that I did not completely trust this new employment since I did not know if the fund were really. I received cashiers check in mail which I went ahead and deposit into my account with USAA. I waited for while for all the funds to be available and USAA customer services insured me that there was no problem with check. So, I started purchasing equipment and other things needed for the job. Within 72 hours, USAA bank fraud department told me that check was fake, and I was responsible for it. I was treated as perpetrator instead of victim. I reported incident to the FBI and I informed the bank that I was not nearly perpetrator and nor responsible. I informed the bank that the case was reported to the proper authority. I maintained my innocence while informing the bank that it failed to do its duty. The authority informed me to stop talking to this employer. USAA bank reported me to XXXX XXXX XXXX and other financial industries as risk customer and shaded my reputation. I would like your office to investigate this matter and advise USAA bank to remove my social security off XXXX XXXX XXXX and stopped ruining my reputation.
I could no longer afford the {$4800.00} mortgage payments offered on my loan modification and I requested to short sale the home since I owe about {$990000.00} and it 's worth {$650000.00}. I wanted to move quickly and avoid foreclosure. The servicer, Nationstar, requested that my Realtor use XXXX auction to sell the property. My realtor acquiesced but Nationstar has instructed the auction company to see the home for {$860000.00} as the minimum opening bid. It received no bids at the first auction and now they set it up to go through a second round of bidding, at the exact same price. Needless to say that it is an exercise in futility. 

An exact replica and directly across the street sold for {$860000.00} and was completely remodeled. This home needs well over {$100000.00} in upgrades as well as a remediation work due to a fire and mold damage. There is also a broker water line that needs repair but it runs through XXXX feet of concrete which is a huge job. 

We have received offers and they range between {$580000.00} - {$640000.00} all from investors because it 's not for a first time owner. 

I just want to sell the home but I was told not to accept an offer and make these buyers who submitted offers go through the auction. 

This is a waste of time and my Realtor could 've already sold this home. The traditional short sale makes the listing realtor accept the highest and best offer and send it to the servicers for an approval. This auction is a complete waste of time and does not inform the consumer of the major issues with the home. They failed to put in the remediation work and major rehab work that is needed. They 're offering it as it were in fantastic shape, which puts me, the seller, in major liability for not disclosing the condition. 

My realtor has the correct disclosure information on the XXXX XXXX XXXX but the auction site makes no reference to actual condition. It is misleading and false. 

I want to be allowed to sell it as a regular short sale.
Credit bureau is reporting inaccurate information I have not entered into a contract with the accounts listed. 
XXXX acct # XXXX XXXX acc # XXXX
The information was previously updated to a XXXX balance XX/XX/XXXX XXXX as Equifax responded through the portal this was update to a XXXX balance. 

Filed a complaint on XX/XX/XXXX XXXX asking Equiifax to update my balance status to a correct amount or remove in its entirety. =Please find the attached Wage and Income Transcript from 2013 where the highlighted portion advises that my debt with XXXX XXXX XXXX XXXX has been cancelled and forgiven since XX/XX/XXXX. I respectfully request that this debt be removed immediately from my credit profile. XXXX which is now XXXX XXXX has forgiven this debt in full and is currently reporting inaccurate information unlawfully. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed or updated to a XXXX balance ASAP. 

Sincerely, XXXX XXXXXXXX, GA XXXXAttachment includedEquifax Responded on XX/XX/XXXX XXXX : Equifax Credit Report said : Explanation of closurePlease be advised per the documents you provided the balance and the past due amount on GMFNANCIAL XXXX was updated to {$0.00}. Adverse accounts remain on the credit file for XXXX years from the date of last activity. Written confirmation was mailed to the address on file. 
ReliefEquifax updated the disputed account. 


This issue was resolved XX/XX/XXXX and no movement on this account since. However, this update is not reflected on my current credit report
I recently applied for a XXXX Citi Card. When I did this, they ran a hard credit inquiry. I did not authorize and it is affecting my credit score.

Because I didnt authorize, could please remove the hard inquiry? In addition, could you please change your policy so this doesnt happen without consent?
My home mortgage originated with XXXX Mortgage and was transferred to servicing by Bayview Mortgage a couple of years ago. At that time, within a couple of months, my XXXX ARM ( with XXXX remaining years on it ) was modified to interest only payments based on 40 year payout without my permission or consent. When the 10 years was up and my mortgage was set to adjust ( downward due to lower interest rates ) I sent Bayview a qualified Respa complaint insisting that they adhere to the terms of my loan and give me notice 60 days before adjustment to XXXX XXXX XXXX 1 year rate + 2.25 % margin rounded to nearest 0.125 %. The interest was I was informed changed from 6.625 % to 4.625 % based on 20 years remaining ( not XXXX or XXXX ) because it " could n't change more than 2 % on any single adjustment ''. I had made payments of principal in advance and for a month they moved my money around in and out of different categories from escrow, to interest, to payments and it took them over a month and several phone calls for them to finally get it right. Then, all of a sudden my interest rate went down to 3.375 % with no explanation. I paid XXXX, XXXX and XXXX payments. I went to pay my XXXX payment ( in advance as I do when able ) and all of a sudden my interest rate is 3.875 %. It seems Bayview changes the terms of my mortgage and interest rates willy-nilly with no consent, notification or explanation. I am worried the next adjustment ( s ) will be detrimental, as they do not follow what is written in my " note ''.
I called Citibank on XXXX/XXXX/2018 to inquire about two outgoing wire transfers that were n't received by a secondary party. The customer service rep told me that Citibank had canceled the transfers and closed my account with no ability to dispute the closure. A few days prior, I had two outgoing wires on hold, and I had to call and confirm them. They asked if I 'd be making more wires in the future, to which I replied yes. The two outgoing wire transfers that were canceled totaled {$19000.00}. The checking account had approximately {$22000.00} in it. According to Citibank, it could take up to 30 days to receive my money, which I need to pay mortgages and other expenses.
On XXXX/XXXX/15 I noticed an unauthorized deposit in my checking account in the amount of {$800.00} from Kickstand Lending. I never heard of Kickstand lending, I have not applied for a payday loan, I did not sign any loan documents either with a wet signature or electronic signature and I certainly did n't give them authorization to access my checking account. My bank is disputing the deposit at this time. I also just checked my credit report and a company by the name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX requested my credit history on XXXX/XXXX/2015 on behalf of Kickstand Lending. I did n't authorize this either. I googled Kickstand Lending and found an email address for them ... wrote them about the situation and they said the loan was requested on XXXX/XXXX/2015 from an IP address of XXXX ... when I traced this address, it 's in XXXX ... I 'm in XXXX and have n't traveled anywhere outside the region in the last five years.
I was told by Equifax consumer affairs that I placed a credit freeze on my credit account that is preventing me from accessing my credit report and score. I did not place this credit freeze and disputed it with no resolution.
I sent a letter to Equifax, regarding the numerous inquiries. Equifax representative told me that there is nothing that can be done. I have a fraud alert placed on the account, and explained that I did not apply for credit. But, again the representative told me there was nothing that could be done.
Fedloan Servicing is applying anything that I pay over the amount due to future interest. My bill for example can be {$500.00} and I pay {$550.00} that addition money is being applied to interest. Also, if the bill states outstanding interest at {$190.00} and monthly payment is {$450.00}, I pay {$500.00} they are applying {$350.00} of that payment to interest. For 4 months my balance never went down. It was all going to interest. And the other months they are taking more for future interest. No wonder my balance in 4 plus years has only gone down $ XXXX. This can not be a legal practice.
These are the MOST RUDE and UNPROFESSIONAL individuals ever. They are disrespectful. They say things like " your a deadbeat ''. Multiple Times I have communicated to this company NOT to contact me at work. They continue to call me at work with the most recent voicemail being XX/XX/18 at XXXX XXXX EST. I have communicated with in writing that there should not be ANY calls or contact attempts made to me at work.
Few years ago I dispute a fraudulent Parking ticket due to the fact where my vehicle was parking its different from the address it shows in the parking Ticket, even I disputed the validation of the ticket with the City of XXXX XXXX, They never corrected the mistake done, Now I got a letter from one of their debt collectors threating me to intercept my tax refund, my registration place or my vehicle be towed.
I would like the Agency to stop this debt collector threats and remove any collection activity because this alleged debt its been disputed due to be a Fraudulent action. 
I 'm enclosing a signed letter to them as well their letter I received few weeks ago.
I had an auto loan with consumer portfolio services for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me
A few years ago I cancelled my phone contract with XXXX because I found out it was cheaper if I just bought a pre-paid phone. Well in order to get a pre-paid phone and get out of my current phone contract I had to pay off what was left on my current phone contract. I'm pretty sure I was told I paid off everything with them. Later my card information must have not been taken or rejected because I found out I had money in collections. I wasn't able to find out that I had an unpaid debt because I had changed phone numbers! I have never had any problems with paying my credit on time or debt problems of any sort and I hate that this is on my credit record and I want it off if any way possible. 

The creditor that was trying to call me but was calling by previous cancelled number was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX The phone company I had cancelled with but couldn't contact me because they were calling a canceled number was : XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX My credit collection opening date was : XX/XX/2015 The collection amount I paid of on record at XXXX XXXX is : {$110.00} ( However, I remember paying way more ) My current phone number is : ( XXXX ) XXXX I want this off my record as I genuinely was not able to be contacted for years because they were trying to contact me at the wrong number. I didn't find out about this until got an account with XXXX and saw it on my record. So I ended up having to call them from my new number. 
Thank you so much for your help. 
Respectfully, XXXX XXXX
Hello, After the XXXX data breach, I used the XXXX website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, X/X/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, Transunion, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX - {$5.00}, Transunion - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a  freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!
My husband and I issued the attached complaint letter to Fifth Third Bank attention Office of the President. We received an apology letter as a response. I do not feel that this is sufficient based on the banks shortcomings in their communication, lack of preparation for the new mortgage guidelines and delays in the closing process. Our closing process was the most stressful situation we have ever experienced and this is admittedly Fifth Thirds fault.
After reviewing a copy of our credit report my wife and i noticed several items that were incorrect.We sent letters to the credit bureaus in XXXX2017 with a request to review our reports and investigate the items. We have received ZERO response. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.