WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to place a Credit Freeze with XXXX this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by TransUnion. 

Should n't Equifax be paying this fee as they are responsible for the breach and should n't this service be FREE as half of the tax-paying citizens private credit files of the USA were breached? I also thought this service was free to victims of identity theft? 

After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed? 

This breach is an insult to the hard working citizens of the USA and a profit center for the other two credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with Equifax picking up the entire tab ( namely their three executives who excersized sizable stock options knowingly ). 

My hope is that the CFPB takes a strong punitive stance on this issue.
On XX/XX/2018, I tried making a payment to GAP from my XXXX XXXX card using the routing and account number that is provided on the app. They declined to make this payment saying payment unauthorized. GAP took this as a cancelled payment from me. I had to call and get my account with GAP re-instated. On XX/XX/2018, I had a payment going to GAP for {$450.00}. I thought I had changed my direct deposit account over going into my ASE Savings account were I knew I wouldn't have any problem with the money coming out of that account. But due to a recent XXXX and XXXX XXXX apparently I didn't do it. So as soon as I realized this I called GAP and explained to them what happened and also made the payment by phone at the same time. I was told that it wouldn't be a problem. I also made a phone call a few days later to make sure it wouldn't be a problem and again I was told it wasn't. Well, I woke up this morning to a notice from XXXX  that my GAP account has been closed. I called and asked them why was this action taken and I was told because I had two returned payments. The first person I spoke with told me if I could confirm that the one on XX/XX/2018, was due to the XXXX XXXX policy and because I couldn't stop the payment on the other one then I could possibly get the account re-instated. This turned out not to be the case and I spoke with other " supervisors '' who didn't seem to want to look at the fact that I called when I recognized the mistake, made the payment and the other one wasn't my fault because I did not know you could put money in to XXXX XXXX but you can only use the card to take it out.
I have been trying to get a payoff from Capital Mortgage Services of Texas for a closing that is supposed to happen in a little over an hour from now. I first faxed the request along with the borrowers authorization on XXXX/XXXX/16. I called twice last week to confirm if they received my payoff request, ( even though I got a faxed confirmation that they did ) and get an XXXX on the payoff, but I could n't get a human on the phone and had to leave voicemails. The borrower called them on Friday, XXXX/XXXX/16 and she was told that they were sending the payoff out to me that day. When I got to the office on Monday, I still had n't received it so I called again. They stated that it would be emailed to me yesterday ( Monday ). At XXXX yesterday when I still had n't received it, I called again and they stated that I would get it some time today, if not first thing in the morning. This morning I still did n't have anything so I called again. Capital Mortgage Servicing stated that it was still in the final stages of being processed and that she would " try to rush it through '' and if I did n't have it by XXXX to call or email back again. It 's now XXXX and I 've emailed them twice more with no response. The closing is in less than an hour and I 've informed Capital Mortgage Services if the closing was delayed because they are not providing the requested information I would report them to the CFPB.
As part of a Chapter XXXX filing on XXXX XXXX, 2010 PNC mortgage was a creditor discharged. I discovered that PNC had reported credit activity after having been discharged. The activity was reported to and published by XXXX. Although the creditor was discharged over 7 years ago and there was no reaffirmation agreement, XXXX chose to publish the information. Upon notifying XXXX of their reporting violation, they acknowledged knowing the Chapter XXXX Bankruptcy date yet misapplied and misrepresented the reporting period for creditors discharged in Chapter XXXX. While I fully agree that the " record of bankruptcy '' will remain on my credit record for 10 years from the filing, the actual credit activity for the creditors themselves only remains for 7 years and NOT 10. The XXXX supervisor " XXXX '' in the Resolution Department stated that if PNC reports the activity, XXXX would include it on my credit report. She refused to provide a work ID or last name and only identified herself as XXXX. The representative then repeatedly stated that all the activity in the bankruptcy would remain for 10 years which is false. I repeatedly stated to her that there was a difference between a record of a bankruptcy remaining on my consumer credit report for 10 years and the creditor and credit activity additionally remaining for 10 years. The activity of a creditor should actually be deleted after 7 years from occurrence or the Chapter XXXX date of filing, whichever occurred first. If there is credit activity on the account after the Chapter XXXX filing or discharge date, the activity should NOT be reported or published unless the debt is reaffirmed. Mine was not reaffirmed. XXXX has an obligation not to repeat the mistakes of creditors and additionally should not misinform consumers regarding the law. Their ignorance has caused me much duress and time in trying to resolve the matter. I am seeking a home modification and this is adversely affecting the process.
I pulled my credit reports and saw where IC SYSTEMS had inserted an account on my file. I have never received any correspondence from this company. They have not been in compliance and this is a violation of the FCRA and FDCPA
A non authorized credit card application was submitted to Chase Manhattan Bank. In response to this Chase denied the card and that resulted in 52 points down in my XXXX XXXX credit report.
I have contacted both Experian and XXXX regarding this issue. 
Experian conducted an investigation and despite verifying that they received false information from XXXX on accounts that have been closed for over 8 years, they refuse to remove them from my credit report. 
Furthermore, XXXX continues to revive the timeline on these accounts which has completely ruined my credit for nearly a decade now. 
Both Experian and XXXX are colluding in this fraud, and I am not the only one given the numerous complaints and law suits against both. 
The CFPBs lack of action in this matter is also unnerving, as this is my third complaint. Everyone just keep saying " talk to Experian '', or " talk to XXXX '', which I have done - repeatedly - with no resolve.
A few months ago, around XX/XX/2018, the amount of {$1900.00} was taken from my Bank of America checking account. It was through 2 separate transactions, one of {$400.00} and other of {$1500.00}. Bank of America claims that Im responsible for these transactions since apparently my debit card and pin were used for them. I did not make those transactions, I did not take that money out of the account, I did not use that money!!! I needed that money to pay my bills, which are all set up for autopay so there would be no reason for me withdrawing that money!! I have no history of defaulting payments, nor bankruptcy, nor anything! There are many things that couldve happen in this case, like the people that I used to share the house with back then having access to all of my personal information and belongings. I no longer have contact with them since I moved out of the house when some of my stuff went missing. I was also thinking that maybe the card couldve got cloned, so I canceled it and ordered a new one just in case. I honestly dont know why or how this happened to me, I dont know what else to do to prove that this wasnt me. The bank requires documents proving my innocence, but there is no such thing! How to you prove through documents that you got robbed?? I have no idea! Please help me, thank you
I had and account with XXXX XXXX that was transferred to Green Tree. Since the transfer in XX/XX/XXXX, Green Tree has used unfair tactics to harass me. A day after I am late for a payment they call none stop from the beginning of the morning until late at night until the payment is made. At the end of XX/XX/2015, they left a message on my ex-husbands voicemail at this home. The message stated that they were taking me to court. They provided him with details of my account and provided him with a bogus court hearing number. They also left a threat on his voicemail stating they were coming to my job or house to serve me with a lawsuit. On XX/XX/XXXX, Green Tree sent a letter apologizing for an error on a bill sent on XXXX/XXXX/15 erroneously included information that I was in default. As a result, I have been receiving calls from other lenders asking if I was in default. This error was reported on my credit report and corrections must be made to my report.
Broken lease that was placed on my credit report account with XXXX on or about XX/XX/XXXX for collections in the amount of {$2400.00}, with XXXX XXXX XXXX / XXXX Oringinal Creditor. This debt was scheduled to be continue until XX/XX/XXXX. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed National Service Collection Buerau /XXXX {$2400.00}. reported XX/XX/XXXX,. I tried to contact XXXX XXXX XXXX In XXXX Az. I was told they went out of business in XX/XX/XXXXand were bought by XXXX XXXX XXXX per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX
In XX/XX/2013 my ex husband took out a XXXX bill under my name without my knowledge. I had no knowledge of this account, and it eventually got transferred to a bill collector, also known as Trident Asset Management. 

I contacted Trident Asset Management last Monday - XX/XX/XXXX and requested a document stating my account on file had been closed out, as we are current going through Escrow, and my underwriter needed physical documentation to forgive the debt. 

I was told that a letter would be sent out, but never received one. So today, XX/XX/XXXX, I called back and spoke to a representative named XXXX, who eventually transferred me to the manager, named XXXX. She told me that they are n't contracted with Nevada, and refuse to give me any type of documentation, whether email or mail. 

She said the account had been closed on XX/XX/XXXX, but they will not send me anything stating so. I feel I should get something considering it 's my account and I requested it. So not only did they lie to me about sending out a letter and my waiting for it, but they have refused to help me with every phone call I 've ever made to them about receiving a letter. 

We are unable to get a house without this letter, so this is the only company who is holding us back, even though I explained this to them, everyone either brushes me off, lies or tells me I am not allowed to receive anything, just because I live in Nevada.
Capitol One closed both of my credits cards due to 1st party fraud, even though they put me on a payment plan to help with payment. Since I was struggling to make the payments. Due to the fact that I am recovering from a XXXX XXXX to have XXXX XXXX  of a XXXX XXXX removed. Do to the XXXX I have XXXX  issue 's and forgot to give the my new account number.. So they were not receiving payments from old closed account. When I realized what was going on I called to give the new account number. After taking 2 payments on the cards, they then proceeded to tell me thew accounts were closed. No emails, no notification of any kind.. I told them I was n't making payments until this was dealt with. They have taken 3 payments since..
i never had this account i tried to contact the, m but run around. my score is so low because of this .why and i need to do something about this now. 
thank you
This is my final attempt before legal proceedings. I am reaching out to the credit bureaus because I have this collection account being reported from your company : XXXX three different accounts, I attempted to dispute with the collection company but they are giving me the run around about my account. I asked them to mail verifiable proof to that abides by the guidelines from the FTC they claim they aren't under obligation to send the original contract and they claimed they sent me the paperwork that proves this account is mine. I did not received anything in the mail and the only attachment they sent was the account history. I will reiterate again, THIS ACCOUNT IS NOT MINE. I DID NOT GIVE MY CONSENT TO DO BUSINESS WITH THIS ACCOUNT. I recently checked my credit score and discovered this catastrophe. I believed my identity was compromised and this company is not cooperating with me to help relieved my circumstances. There has been no investigation on my behalf nor did they send me the list of contacts they involved within the investigation. I asked this company to provide AUTHORIZATION CONTRACT, AFFIDAVIT OF CLAIM, ORIGINAL CONTRACT, CUSTODIAN OF CONTRACT, AND ACCOUNT HISTORY. NONE OF THESE DOCUMENTS HAVE BEEN PROVIDED. This company claims they sent the information off I've been in contact with them for almost 30 days and have YET seen any documents.
I lost my card, someone took  XXXX  $ off my card, called my card in lost. They stated to me that I had to send in a depute form, & a address change, I finally got my card after a whole month of them saying the documents I sent was a erro because they could not see it, finally after the  3rd  time of me spending it they sent out a new card. Now they are saying because they did not see the depute form in 10 days that I will have to wait  45-90 to  hear if I will get my money back, mind you I sent it to them more then two times. So how is it my fault if they could n't see it & they never respond to me saying it was a problem I had to call them to check on it
Credit Protection  XXXX    XXXX , Texas This collection agency has tampered with my good credit. I intend to bring civil suit against these criminals. They should be vigorously investigated for their criminal collection practices.
Around XX/XX/2018 I discovered some medical debts on my credit report when I was purchasing a car. I called the XXXX XXXX XXXX Georgia who in turn stated they had not sent any debt to collections in my name. So I contacted the collection agency and informed them I had no knowledge of the debt and provided them with the information that I had received from the hospital. The collection agency 's name was XXXX XXXX who concluded that the debts were fraudulent. All three debts were removed from my credit reports due to fraud. The amounts were XXXX, XXXX, and XXXX. The collections were all removed XX/XX/2018. 

I have now discovered after purchasing a credit monitoring service that another collection agency called Commonwealth Financial has placed the same collections back on my credit reports. I contacted the XXXX XXXX XXXX Georgia who stated they did not send any collections to this agency and another rep advised me this time to file a complaint and seek legal advice. I have never heard of this collection agency nor did they contact me regarding the debt, if they had they would have know that the debts are fraudulent. I am so tired of these collection agencies just placing collection on consumer reports and violating the XXXX. XXXX XXXX is clearly trying to collect on debts they do not own and clearly can not properly validate, damaging my credit as well. 
I am looking into legal advise for defamation and violation of the XXXX.
I previously filed a complaint with CFPB concerning harassing phone calls from the stores which are Capital One, XXXX, XXXX, XXXX and XXXX XXXX! I had been talking with them all concerning lowering late payments as well as smaller pay off amounts to get my cards back current and usable. They all assured me that they would send a letter as well as email me converting the amount they had figured to get my cards usable. Some even lowers late payments and took money from me saying my account was in good standing and I would be able to use my cards in XXXX weeks! They all closed my cards without notifying me and I called constantly! This has drastically messed up my credit and after being harassed and lied to SOMETHING must be done!
On XX/XX/2018, XXXX pulled my credit report without my permission. I tried and tried to resolve this issue with TransUnion and XXXX but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
I keep getting calls from a number XXXX or XXXX claiming they are Integrated services and that i needed to call a XXXX XXXX back. They wanted information on a XXXX XXXX XXXX and if i do not call them back to verify legal address then failure to provide formal statement. Then they would expedite verification of employment and liquid assets to avoid protocol to call XXXX XXXX immediately. 
When i call this number they do n't answer as a company. They just say hello. If they was a company why are they not answering as such and if i owed money it why are they so rude and wont tell me the name of there company that it could be anything and why are they asking me for my social and bank information. If this was a collection agency they would n't be asking me for this. Plus i would have gotten a letter from an attorneys office saying i had 30 days to dispute the claim. I have not received this letter. This is a scam call for my personal information and i want the calls to stop.
I am attempting to FHA streamline refinance with Nationstar Mortgage NMLS # XXXX. They have changed the terms of the mortgage 4 times and fees etc stringing me along telling me it 's been approved or is pending final approval or must be finally re-approved. It does not seem like they are acting properly. Here is a recent email exchange, I sent a message saying " I have signed your third change of terms for the loan. If you try this a fourth time I will not be happy. ". They replied with a message saying " we had to make an adjustment to the rate, we had to lower the rate from 4.75 to 4.50 %, this is the adjustment that we have to do again today, because the 4.75 % rate does not benefit you. ". Yesterday they told me the 5 % rate does not benefit me so they had to lower it to 4.75 %. All I wanted to do mainly was remove my in-laws as co-signers and close the loan. Will this ever end?
JP Morgan Chase is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with Chase beginning XX/XX/XXXX, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX
1. All XXXX agencies, Experian, XXXX & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.
I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends college. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole  amount. They refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.
Portfolio Recovery is reporting a dated {$550.00} delinquent account on my XXXX credit report. I have requested 4 disputes through XXXX ( dates ranging from XX/XX/XXXX - XX/XX/XXXX ), in which Portfolio Recovery provides no paperwork or proof but simply tells XXXX its valid and closes the inquiry. As a last result I mailed a dispute and request for proof directly to Portfolio Recovery at the end of XX/XX/XXXX. I have not received a response at all and the account is still on my credit report. 
Can you please hold Portfolio Recovery accountable to provide proof to keep this on my credit report or have them remove it?
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1900.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )