WillisBack/dataset-financial-user-claim huggingface dataset:
My lease is almost up on my truck which is a XXXX XXXX XXXX. I am in the market to lease another vehicle. In doing so the company that I have my current lease with pulled my credit & I was denied because my score was a XXXX from a company that I have never heard of, & that Im sure has completely wrong information. 1 of the main reasons for my score being so low according to them is because of limited history with my phone number. I have 24 credit cards & every card company has my same phone number that Ive had for the last 10 years. The name of the company is SageStream , LLC & not only are they ruining my life, but they are ruining the lives of many others that have similar complaints about them online as well. They Need to be stopped!
Due to the recent privacy breach at Equifax, to properly secure my credit report I am required to pay to freeze and subsequently unfreeze my credit at a later time due to gross negligence of company that has my personal information without my consent and I have no opportunity to opt out of this. This is wholly unexceptionable and at a minimum their services to freeze and unfreeze reports for the 3 credit reporting companies should be mandated to be a free service provide by them. If it is profitable for the reporting agencies to secure individual 's information, this incentivizes them to not handle this data with the possible level of security. 

Additionally, the potential harm that can be caused to me as a result of the data breech in no way, could be possibly properly compensated by equifax with any possible monetary value short of a receiving an amount of money where I could be considered independently wealthy. Clearly this is not a realistic possibility. My future ability to secure credit for transportation and housing is at risk and thus my well being and lively hood are at potentially in jeopardy. 

I implore all powers that be to take action in a way that is fair to the consumer and protects them when the consequences of failing to do so are so dire. For me, the bare minimum of that would be the ability to freeze and unfreeze credit reports at no cost to the consumer. 

Thank you for your time.
I hired a law firm in XXXX 2013 because XXXX was going outside the parameters of their contract and was committing deceptive trade. The supporting documentation is attached that I have tried to work with XXXX and my attorney has also tried to work with XXXX to correct the issues they are reporting. Essentially XXXX has a glitch in their website and they are not processing payments in a timely fashion and then reporting them as past due although the payments are made prior to being 30 days over the due date.
This debt collector Paramount Recovery has illegally obtained a medical debt that was originally started in XX/XX/XXXX from an Emergency Room visit. This debt is now over 10 years old and is being represented as a new collection as of XX/XX/XXXX. This debt is past the statue of limitations for the state of Florida. I have never received any notifications by phone email or postal mail for this account. This company has now placed this account on all my Credit Reports and as result has seriously affected my credit standing.
XXXX XXXX of XXXX XXXX, CA is a loan agent for PrimeLending in XXXX, CA is performing illegal mortgage loans by switching social security numbers of clients with good credit with those of his friends and family members so they will get approved. One family member I am aware of is XXXX and XXXX XXXX of XXXX XXXX, NV and XXXX XXXX, CA. XXXX XXXX also performed a false evaluation in 2006 for a XXXX XXXX XXXX XXXX XXXX, CA. He appraised the home for a considerably low amount and then sold it for a much higher price. I am aware that he switched appraisals with one of three homes in XXXX XXXX County at the time. One was in XXXX XXXX, CA. I have reported this to his employer and the XXXX XXXX County Assesor. I am also aware that he uses his clients information to open lines of credit for his own personal uses.
On XX/XX/XXXX I received a Notice of Acceleration of Maturity that was delivered by certified mail from Ocwen Loan Servicing ; LLC stating that under the Deed of Trust my home is scheduled for foreclosure on XX/XX/XXXX. Ocwen was not the loan originator. XXXX was the first lender, then sold to XXXX XXXX, GMAC, Ocwen. I believe the loan was sold at least four times and the amount owed kept increasing. After calling the loan servicing agency ( Ocwen Loan Servicing, LLC ) I still could not get a clear understanding to why the amount owed increased shy of {$70000.00} on a less than a {$47000.00} loan that originated in XXXX. I never received a copy of the loan documents ; communication with Ocwen Loan Servicing was difficult. 1. Never receive copys of paperwork 2. Everything was verbal up until now 3. Mortgage increasing without explanation 4. Refused copies of the loan told I would have to pay a fee 5. I stop paying in XX/XX/XXXX because I needed correct information. Never had a problem until Ocwen took over the loan 6.I am current XXXX  XXXX. I asked about Servicemembers Civil Relief Act ( SCRA ) to no avail 7. Language barriers and misinformation given 8. I am alleging redlining even when I tried to address my default
A fraudulent account was opened in my name XX/XX/XXXX.  I became aware of the debt on my credit Early XX/XX/XXXX. I have contacted USAA 10x. Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. USAA has not sent proof that the debt belongs to me. In XX/XX/XXXX I called XXXX   fraud department to dispute the validity of the debt on my credit. The XXXX  fraud representative has called USAA on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XX/XX/XXXX I once again called USAA I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. USAA refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by USAA to verify my identity.
On XX/XX/XXXX I received a debt collection letter stating I owed Commonwealth Financial Systems {$300.00} for a debt at XXXX XXXX which I have never heard of. I was asked to notify their office in writing if I disputed the validity of the debt within 30 days of me receiving the debt collection letter. I disputed the validity of the debt and asked for verification that this debt truly belonged to me. I asked for a break down of services provided. I also asked them to please not place anything on my credit report until the dispute was resolved. I did all of this in writing and sent the letter certified mail. Commonwealth Financial Systems received my letter on XX/XX/XXXX, well within my 30 day allotment. 

On XX/XX/XXXX I checked my credit report to find that they reported it to all XXXX bureaus which of course caused a XXXX point drop in my score. Once I noticed that they did indeed place the collection account on my credit and I still had n't received any mail validating the account I called their office. Once I reached a representative they confirmed that they did in fact receive my debt validation letter but did n't have any information to provide me about the debt owed. The only thing the representative could tell me was that he assumed it was a medical bill from XX/XX/XXXX but could n't provide anything else. I asked who to contact for an itemized bill stating services provided on that day and was told to contact XXXX XXXX XXXX. I asked for contact information for XXXX but the representative told me he could n't provide that information. 

I also explained that the certified letter I mailed them stated not to place any information on my credit report until the dispute was resolved. However, since this request was not obliged by Commonwealth Financial Systems in addition to the fact that I still have no information in regards to the debt I let the representative know that I would be filling a complaint and ended my conversation.
It is taking Equifax XXXX times longer to review the activities of alleged creditors on my report than it took XXXX. I even provided them evidence XXXX concluded their investigation, and found in my favor. Yet, nothing has happened with my dispute since the day I filed it. 

I am. Trying to buy a home and this inactivity on their end is standing in my way.
I have been informed from Equifax that I was effected by the data breach. After applying for Credit limit increase I was told one of the reasons were due to public records. After contacting Equifax and speaking to their representative, he stated there was an unauthorized data associated with my name and that he will update the information. I noticed that there were unauthorized inquirers on my report, so I 've contacted Equifax again and explain that to them the unauthorized inquires as well as how I was told I was effected by their data breach. The representative stated that he will go ahead and removed inquirers but before the call was disconnected I was told it was disputed. 3 days later I receive email that the inquires were factual, in actuality they are not and I 've explain this to Equifax.
A collection notice was received fr om Monterey Collections,  dated  XXXX  for the amount of {$500.00}. Notice indicated payment was to be received by  XXXX , the day the notice was received in the mail.   Called spoke to a lady named  XXXX   I tri ed to explain that I had never made that purchase. She indicated she hears this thousands of times and that because it was my name and address it was my debt. That she had proof in front of her that indicated it was my debt. ( invoice ) Once again I tried to explain and  XXXX  did not accept any explanations. Instead she threaten to report me to a legal institution and that my credit will be affected/ ruined for 10 years so that when I go ask for credit I will be denied.   I understand that the same excuses are heard everyday but I do believe each individual deserves to be treated individually. At least listen.
I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXX XXXXXXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.
The address that is showing is not mine as well as the phone numbers showing is not mine .... My correct address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ga XXXX and my correct phone number is XXXX which is not correctly reflected in this report ... I also noticed my middle name is spelled incorrectly please correct it with the information that is on my drivers license which is correct XXXX XXXX XXXX. I have tried unsuccessfully to get this information updated through the online system that they use.
IQ Data International charged my card after i specifically told them to move the account to further processing and credit reporting. Throughout the four separate calls I had with them to discuss alternative options, I was threatened with negative credit reporting including being told that I wouldn't be able to get another apartment unless I paid in full, as well as advised to seek legal counseling as there may be further action taken if not payed ( a veiled attempt at threatening prosecution ). 

When I called this morning to have the charge reversed, they began transferring me directly to voicemails and then eventually ignored my calls altogether. My representative is XXXX, XXXX XXXX XXXX at XXXX. I am unable to afford my entire rent payment after this and they are unwilling to take any responsibility after they advised that the card wouldnt be charged as well as I insisted that the card i provided ( after being assured that it was merely to 'lock down ' a 7 day prevention on the account from being sent to credit for review ) was removed in two separate discussions.
I have tried asking to have my phone number removed, I have tried blocking my phone number. They call me continuously, won't leave voice mails, and are harassing me. I have never received written notice of any debt.
While in XXXX, XXXX a fraudulent charge - {$430.00} - was made against my Citi credit card. 

Though I was at the XXXX XXXX XXXX that day -XX/XX/18 -, and made another much smaller purchase ( map, refreshment? ) there against the credit card, a second charge for {$430.00} was charged to the card. 

I believe the card was " double swiped ''. 

I have no record, nor recollection, of this purchase - and firmly believe it is fraudulent. 

I attempted to call the XXXX XXXX XXXX - the language problem aside, I was told they could not help with my query - and that no paper-signed receipt was available. 

Since early XX/XX/XXXX I have been in contact with Citi - by phone, email and letter. I have answered in detail all the questions they have asked. ( see attached files. ) Their only response has been they are " looking into it. '' They have not been able to provide any receipts or details regarding the charge - and refuse to give me a permanent credit for this phony charge.
I contacted Rash Curtis & Associates and asked to have some invoices sent to me via email of all the accounts that I have with them. They told me they did, when they did n't. I asked to have the dispute comments removed and they advised that they would n't remove the dispute comments until I paid them {$5000.00}. I asked to pay XXXX account that was in dispute and they advised that even if I paid, they would n't properly report it to the credit bureaus because they are aware that I am trying to purchase a house. XXXX XXXX at Rash Curtis then told me the following : " you should have paid your bills and thanked the doctors that helped you '' This statement has caused severe emotional harm to myself. XXXX then advised that it is a curtosy to have the dispute comments removed and she was n't willing to do that for me until I paid the {$5000.00}.
I used the Coinbase app to invest in bitcoin, litecoin, and etherium XX/XX/2017 after some months of it sit I decided to withdraw the majority of it. I had {$5000.00} in bitcoin, {$100.00} in litecoin, and  {$120.00} in etherium. I withdrew {$4000.00} from bitcoin but after that my spending limit was at its ends. I then completed the ID verification which said it was going to increase my spending limit and although it may have, I then ran into the issue of not being able to indetify myself no matter how correct I was with my information it just always says Verification Failed I have dmd them on XXXX multiple times and emailed them and when I call an actual person never answers the phone its always a machine with the same problems and useless solutions
I am unable to freeze my credit report with Equifax after learning that my Social security data has been compromised through their portal. I tried at their 90 day fraud lock website but it did n't work.
Alleging unlawful fraudulent Conduct,Bank accounts,Stocks Bonds,Escrow accounts,Arch payments,ect
Opened an Checking account with the terms of making a deposit of {$500.00} or more in the first 45 days and them maintain a balance of {$500.00} for 60 days from the date the balance requirement is reached. 

Will get a {$250.00} bonus if the following requirements are met. 

I opened the account in XX/XX/2018 and have had met all the requirements but still have not got my {$250.00} bonus.
My mortgage was transferred to Shellpoint in XXXX XXXX. I am unable to refinance my home due to a mortgage gap Shellpoint has created by not properly reporting the payment history from when Shellpoint began servicing the loan. Shellpoint began servicing my loan on XXXX/XXXX/XXXX and I was notified XXXX that my loan would be transferred from XXXX XXXX XXXX. When I checked my credit report recently, I saw that Shellpoint was quoting $ XXXX past due entirely inaccurate. I called Shellpoint starting in XXXX XXXX and ascertained that the payment history from previous loan servicer, XXXX XXXX XXXX, was not reported accurately. I faxed over a ledger of detailed payment history from XXXX XXXX XXXX for years XXXX, demonstrating accurate and timely payment history. The representative said she would escalate to a department that handles that and would get back to me within a week. After about 10 days, she reported that the department she escalated to was not the right department and did not have an update for me yet. I faxed over additional information from my bank demonstrating that payments for XXXX were delivered and cashed by former servicer and should be acknowledged by Shellpoint. Moving into XXXX and, I had three phone calls with XXXX, the representative, and two phone calls with her supervisor. I was told that I would have a detailed ledger showing updated payment history and new past due amount. That ledger was still in accurate and not showing all payments made to prior servicer. On XXXX XXXX, XXXX, I faxed over copies of previous servicer 's statements from XXXX and XXXX, demonstrating the mortgage payment amounts ( {$3600.00} and {$3600.00} XXXX because the representative said their accounting department thought my mortgage payment to prior servicer was the same amount as Shellpoint 's {$4000.00}. 
It is now XXXX and I 'm out of bankruptcy. Even with a XXXX XXXX XXXX XXXX XXXX showing a past due amount to Shellpoint claimed and paid, I have yet to receive an accurate accounting of my payment history. Additionally, Ive made two mortgage payments recently and received no receipt of payment, no statement, and no updates to my online account. 
And finally, although I am eligible for an XXXX XXXX, without an accurate accounting of my mortgage history, I can not access the refinance option provided by XXXX
I received my TransUnion dispute results ( File no. XXXX ), and the credit bureau claims it 'verified ' a trade line identified as XXXX # XXXX '. There are a few problems that need to be rectified : 1 ) Method of Verification letter sent to TransUnion - received on XX/XX/2016. 
2 ) Dispute results issued did not address HOW the credit bureau 'investigated ' the items disputed. 
3 ) XXXX account disputed via CFPB Complaint No. XXXX and FACTA request received by XXXX XXXX ( XXXX ) on XX/XX/2016. 
XXXX ) XXXX XXXX ( XXXX ) HAS NOT responded to the FACTA request. Demand was made for the production of the contract for debt I, as consumer, allegedly signed. As XXXX XXXX FAILED TO PRODUCE a contract for debt per the time frame allowed, FCRA mandates deletion of this line item.
The property management company of where I once lived sent my outstanding rent balance to collections. I now have a collection item on my credit report for {$5300.00}. 

The reason I stopped paying rent at this location -- and I disputed this in court -- was because the property management company refused to make the maintenance repairs that I requested, after countless complaints. The repairs needed began to affect mine and the other tenants ' quality of living, one tenant being a XXXX year-old child. 

I began the escrow process, and even after the judge and city code enforcememt ordered the property to make the repairs, they still did not. I was eventually evicted for non-payment. I was a model tenant and up until the time I stopped paying rent, I had paid my rent every month ON TIME and OVER the amount due. 

I am requesting to have this item removed from my report, as well as from the report of the other tenant who was on this lease, XXXX XXXX XXXX XXXX.
I applied a Chase credit card and it got approved. I waited for a week to get the card. But when I received my credit card, I also got a letter about they are going to close my credit account at the same time. I don't know why it happened. If they don't want issue me a credit card, they should just disapprove my application. Not send me a card and also told me my account will be closed.
After reviewing my credit report, an adverse account was reported to XXXX credit reporting agencies by Innovative Credit Solutions, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ). I have had no association, contact or any communication whatsoever with Innovative Credit Solutions. I have written to them requesting information and have not received a response. I have disputed this with XXXX credit reporting agencies. XXXX has removed this adverse account and I am continuing to dispute this adverse account with XXXX.
I Looked up my credit report and found an account that i did not know about or received letters to my address From Portfolio Recovery. The account dates back from XX/XX/2014 As i did not have any credit card open. This is an identity theft under my Social Security Number. I was not contacted by Portfolio Recovery and i was not mailed about this debt.
I am filing this complaint because  XXXX , an  American Express  card, wo n't dispute anything, no matter how egregiously fraudulent.     My cell phone is also a hotspot. I have bought so much data which gets you around the Internet, because when it slows down or stops your data is gone. My  XXXX  is  XXXX   XXXX .      XXXX   XXXX  has given me some data back for free, but it 's still slow. It 's supposed to move at the level of  XXXX   XXXX , but it does n't.     The tablet I was using never sped up. An in an instant my data was eaten up as  XXXX   XXXX  told me but I never really went anywhere, because it stopped or slowed to a crawl.     I called  XXXX  and told them what happened, and this stupid representative said it 's my fault because I gave them my card number!!! Is n't this the dumbest thing you ever heard.     I want this disputed because I never got what I paid for. These are the amounts and dates.       XXXX   XXXX   -  XXXX  -    XXXX   -   XXXX   -   XXXX   -  XXXX . -   XXXX    Now for  XXXX . They are charging me but say because I have a   XXXX   device,   XXXX   is the one charging me ; I access   XXXX   through  XXXX . However,   XXXX   says it 's not them.      I do n't know who is charging me or how they got my number. I do n't have   XXXX  . I wanted to dispute the below figures and  XXXX , once again, said no! They wo n't even disputes fraudulent ATM charges.     They are breaking the law. By the law they are supposed to dispute all fraudulent activities : I want to dispute the charges below also.       XXXX  : -  XXXX  -   XX/XX/XXXX   -   XXXX   -   XXXX