WillisBack/dataset-financial-user-claim huggingface dataset:
I have for years been blocked from receiving a free annual credit report from Equifax online. It always takes me to a web page stating it can not be delivered online and I must request it by mail. 

This is XX/XX/2018 and this seems like intentional stonewalling. I tried calling them about it once and after spending hours on hold and going through phone webs, I still never received the report. 

The most recent date I tried to access the report was today XX/XX/18, and I again was directed to the same web page, stating they can not deliver the credit report online and it must be requested by mail. There is no reason given. I haven't gotten an equifax report for several years because of this. 

Any help would be appreciated.
Calvary Collections and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  90 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Response on XX/XX/18 CNU ( Cash NET USA ) Stop creating lies that you confused me with another XXXX XXXX and the XXXX. I don't want no loan or on line loans from you or your scams to defraud people with your high interest rates. I have not applied nor gave you permission to. I'm on OPT- OUT with all 3 Credit Bureaus or any other companies running other names or business link to any of the credit bureaus. I'm not getting a police report due to the fact of Cash Net USA fraud and deceit. I have filed with the US Attorney Office for complaints on Cash NET USA. Stop harassing me on your loans/ on line loans for something I have not applied for nor giving you permission. I don't want to call you crooks for nothing nor do I want to here from you or your tricks. Keep what ever XXXX your offering and leave me alone. Stop with the scams how you obtain my information. My next step will be to file a law suit on Cash Net USA and any other party within the scam.
I have promotional balances coming due. The regular monthly payments do not get applied to promotional balances. They only apply payments to regular fixed payment reduced APR. You can call and make an extra payment only after you initial minimum payment is applied. When you tell them you want the extra payment to go towards a particular promotional balance, they say no problem, then continue to do a payment allocation. They even give you a confirmation number. After having to wait 72 hours, I check my account and the extra payment is treated as a regular payment for the next month, and only applied between fixed pay accounts. They have no interest in having you pay off the 12 mo no interest amount so they can hit you with an extremely large interest fee. This has happened in XXXX and now XXXX. When I call to complain, they tell you they will correct it and wait 72 hours again to see it appear on your account. By this time, you are already into the next billing cycle. And the problem stars all over again.
We have caller ID at work. A call came in to my work place which is against the law to do. Especially calling a total of XXXX times today. Other co-workers answered it and patched the call to me thinking it was one of my clients. The girl called herself XXXX XXXX and said my phone is being recorded and bluntly said my social security number which is very scary and just wrong. 
The call came in on XX/XX/XXXX-XXXX times that day. 

They should not be in business harassing people at their work and collecting a debt not even saying what the debit is for just screaming out my social security number. 

XXXX XXXX
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXChexSystemsConsumer RelationsXXXX XXXX XXXX. XXXX XXXX, XXXX XXXX : XXXXGreetings : I am writing to you to complain. Entries posted to my ChexSystems consumer credit report from 2012 are inaccurate. ChexSystems recommends this venue, publishing this website as the means in which to resolve disputes on my report. 

There are XXXX entries to address. Those are : XXXX, XXXX XXXX and XXXX. Each filed derogatory remarks with Chex Systems in 2012. At that time, I had a lawsuit filed against XXXX XXXX, XXXX, XXXX and XXXX. The lawsuit acknowledged numerous attempts to clear allegations printed in my reports. Inaccuracies were corrected from the evidence submitted, yet repeatedly reposted to my reports. As a XXXX person, I retained an attorney, XXXX XXXX. He claimed I would receive all but XXXX dollars to cover costs and fees to file. However, XXXX kept XXXX of XXXX of my settlement money paid by these defendants and, ChexSystems was not involved in the lawsuit. 

Again, I have no buisness with XXXX, XXXX XXXX, or XXXX. The alleged " account abuse '' made by XXXX XXXX and XXXX in 2012 are mistakes. XXXX XXXX wired funds to XXXX after I had cancelled a transfer and closed the XXXX account. XXXX XXXX personnel were to have reversed the entry to correct the the mistake when it occurred. An XXXX account has not ever been opened in my name as far as I know, nor have I ever communicated to, or received anything from this company. 

Recently, I notified the FTC of my concerns relating to compromises to my accounts and consumer credit reports. Implementing extra protection, I continue to address negative remarks that need to be deleted with ChexSystem. This report is a measure to avoid further delay in repairing my reports and correct inaccuracies in reports. 

Sincerely, XXXX XXXX
My mortgage contract specifies that the mortgage company ( ServiSolutions, in this case ) is responsible for paying my property taxes ; however the taxes were not paid, and are now 2.5 months in arrears. I can accept that mistakes happen, and that it may take time to fix said mistake ( s ), but 2.5 months is not an acceptable amount of time for this issue to still be unresolved. As near as I can tell, with the information I have access to, ServiSolutions attempted to pay the taxes ( I assume by issuing a check ), but some error was made and the funds were returned to ServiSolutions and credited back to my escrow account. I discovered that the taxes had not been paid when I got my form XXXX and saw in box XXXX " Property Tax {$0.00}. '' I have received no communications from ServiSolutions about the taxes, and they still show as owing at the county Treasurer, meaning that if they did anything to discover the error, they either have not fixed it or have not discovered its origin. The easiest thing would have been for them to contact me - since I got the statement from the County Treasurer - and ask me to help them update their system, but they did not ; likewise they could have Googled it ( if it was an address/addressee problem ), and either of those solutions would have resolved the problem in a matter of minutes, not months. This is my first mortgage, and I trusted that ServiSolutions had enough experience and people that when something like this happened it would be quickly corrected, instead, it is up to me to do their job.
I am very frustrated with all XXXX reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.
To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , CA XXXX also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA.
My information is believed to have been accessed in the Equifax breach, the timing also lines up with when I had XXXX fraudulent charges on my card across the company.
I maintained an account with Capital One 360, an online bank. On or around XX/XX/2016 they informed me that they were closing my account and would be mailing me a check for the funds remaining in the account within 10 business days. I have called them once a week since then or approximately 10 times and the funds are still sitting in my frozen account with no indication when they will be released.
I Don't Understand Why This Account Is Listed As Derogatory. I Have Always Paid As Argeed.
I had US Bank for approx. 30 yrs but I wanted to change banks for several reasons but then somebody got ahold of my debit card and purchased an it from XXXX it was not me so I did a fraud charge they returned the money and I closed my account they tried to talk me out of it but I did anyway Then six months I get a statement I had {$370.00} in there that is the amount of the fraud charge so I go down there they reopened my account without my approval I told them I didnt want to owe them or them to owe me again they tried to get me to stay with there bank I talked to the manager and the assisstant manager but they insisted I took it I still closed the account. Now they are insistng I owe them that amount I dont believe They had no authorization to reopen my account. Can you please help me clear this matter up. I would really appreciate it.
On XXXX/XXXX/16 I called Lending Club, XXXX XXXX XXXX, XXXX XXXX, CA. @ XXXX CST ( XXXX ) XXXX Pacific Time. I wanted to pay off in FULL my XXXX loans. The XXXX loans {$5000.00} AND {$5200.00} Loan # XXXX AND loan # XXXX. I had all required documents, a check book to give them permission to pay the loan. I was told by a employee XXXX that I could not do that payoff until Monday! This was Thursday. I was also given the balances as of Monday XXXX/XXXX/16. The first loan # XXXX has a 25.80 % interest rate with a 29.72 APR. The second loan # XXXX has a 19.99 % interest rate with a 23.77 APR. So i asked why? The explanation was that they could not do that TODAY. I said what about Friday? I was told they could only do this on Monday! WHAT I explained to the employees that I was aware of the terms and conditions of the loans, stating NO PENALTY for early pay offs. I asked to speak with a supervisor This supervisor told me the same thing beiing very rude and short with me. I asked what my daily interst rate was until Monday. She refused to answer. I wanted to get her full name or employee number. ALL she said was XXXX. I asked again for her last name and she said that was a privacy matter. She did not fully identify herself to me. I went through the entire situation again and no results! At 25.80 % for four days that is {$51.00}. At 19.99 % for four days that is {$42.00} That is a lot of Money. If they do it to me Im very sure they do it to others.
Complaint is to address Well 's Fargo 's ( WF ) UNLAWFUL FORECLOSURE & DISCRIMINATING decision re XXXX/XXXX/XXXX auction of my property at XXXX XXXX XXXX, XXXX, CA XXXX. Sold $ XXXX/valued at $ XXXX/owed {$290000.00}. WF failed the California Homeowner Bill of Rights by not assigning a POC prior to auction on how I can qualify for re-modification. DISCRIMINATION : Day before the auction WF had receipt of Buyer 's Contract ( RPA ), HUDI, XXXX printout, house listing agreement & did n't contact Realtor to discuss further. My Realtor was denied this sale for her livelihood & sale could have been delayed 30 days for XXXX document needed per WF. WF rejected Realtors house offer & disregarded at age XXXX, that sale would replenish my depleted & penalized 401K used to keep mortgage current after my XX/XX/XXXX layoff. My realtor showed how I did quality to make mortgage payments. WF failed to assign a POC & I was the liason between WF XXXX XXXX Attys office & WF corp. office because phone number for mgr " XXXX '' was not permitted, always a different WF Rep for each call. I was repeatedly told a job & paper-trail was required for a re-modification & my realtor showed me that my social security, renters & family assistance qualifies me. WF emphasized I needed a JOB and PAPER TRAIL since I had neither, assumed I did n't qualify. WFs response to the first CFPB complaint was that her research was to determine if WF handled the foreclosure wrong, not to freeze the sale. I want my house back after my Realtor educated me on how I DO QUALIFY FOR A RE-MODIFICATION without employment.
on XX/XX/2016, this account was opened by XXXX XXXX XXXX XXXX for a debt in the amount of {$140.00} for medical equipment ( XXXX  ) that was covered by my medical insurance. I have XXXX children as dependents listed on my medical insurance. XXXX child received a XXXX  less than a year before this was prescribed. i was billed when the XXXX child was prescribed a XXXX, in contacted my medical insurance provider whom sent me a explanation of benefits confirming this equipment was covered for one piece of equipment, per person, per year and that the coding on XXXX 's records could have been incorrect. I contact XXXX 's regarding this whom directed me to XXXX XXXX XXXX collection agency whom informed me all they could do was collect a payment. this has been reporting to all credit bureaus, with no resolution after filing a dispute.
I, XXXX XXXX, ( XXXX ) XXXX, have a complaint on record with C.F.P.B., on Selene Finance, LP. THIS IS NOT A DUPLICATE. This SEPARATE COMPLAINT involves Selene Finance letter dated XXXX XXXX, 2017, addressed to C.F.P.B. the second page under " Enclosures '' fraudulently states the following : " Note '', " Deed of Trust '', " Notice of Assignment, Sale or Transfer of Servicing Rights ''. All of which DOES NOT EXISTS. <P/>Please create a separate complaint against Selene Finance & research specialist- XXXX XXXX . <P/>Thank you, XXXX XXXX XXXX
On XX/XX/2017 I sent a certified letter to CBA of Georgia requesting they send me verification of the alleged debt they say I owe. The letter was received and signed for on XX/XX/2017 by a representative of their company. As per the FCRA, I waited the 30 days in which they are allowed to respond, as of XX/XX/2017 I have not received any response in writing or any information verifying this alleged debt belongs to me as I requested in my letter. 

On XX/XX/2017 I sent another certified letter to CBA of Georgia in which a representative from their company signed for on XX/XX/2017 informing them that they failed to respond to my first letter requesting they provide me with verification that the alleged debt belonged to me.on XX/XX/2017 I got a call from a representative of CBA of GA attempting to collect on the debts they alleged I owe. They acknowledged that they received both letters, I asked that they respond to me in writing with the information they have validating the debt belongs to me. The representative stated they will not mail me any correspondence. 
As of XX/XX/2017 I have not received any proof that the debt they allege I owe belongs to me. I continue to receive collection calls from CBA of Georgia.
Experian is the only credit bureau that did not correct the problems in my account after I was a victim of identity fraud. I sent them a letter in XX/XX/2016 with the police report after someone tried to open over a dozen lines of credit in my name. As a result two of these fraudulent address were listed as my addresses and after over two years Experian has still not corrected it. When I saw recently that it was not removed I went through their web site and was given a number to call for dispute resolution. There was absolutely no way to speak to a person and the recording just disconnects if you don't select one of their paying services. I want these fraudulent address removed from my account. This company has set up their systems so that it is frustrating to correct things and they are hoping people will give up. Well I won't.
I applied for a short term loan on XX/XX/XXXX through an online website for Big Picture Loans. I did  not receive any details about the loan but the money was credited for {$1200.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I requested that Big Picture Loans revoke my ACH agreement and that my payments of {$980.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. 

The online account screen shows I still owe 4 more payments of {$490.00}. That would make a total repayment {$2900.00}. That is nowhere close to the cap of 36 % I expected.

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/XXXX along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. When I spoke to customer service they said my payoff, which included the payments I have already made is based on the interest rate of 490 % and they can charge that because they are a tribal lender and not subject to state or federal laws. I do not live on the reservation in Michigan, I am a resident of XX/XX/XXXX I had no idea they would be able to charge almost 500 % interest. Is that legal anywhere? 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.
In XXXX XXXX, I received a divorce degree from my wife and was awarded the marital home by the courts. However, after seven months of seeking to assume the full mortgage in my name, XXXX XXXX refused to refinance or remove my wife 's name from the mortgage and acted in bad faith throughout the negotiations by delaying any attempts for me assume the title and mortgage for the home even though I provided them with copies of court records, divorce decree and financial statements to prove my " financial fitness. '' In XXXX XXXX, I signed the house over to my former wife and left the home after XXXX XXXX said I was unable to pay the mortgage after the divorce although I had maintained the mortgage and maintenance of the house without a missed payment for 15 months. During our marriage, there was never a late or missed payment of the mortgage. When we obtained our original mortgage from XXXX XXXX, we also became involved in a dispute whereby a white XXXX XXXX employee refused to accept our application for a mortgage when she learned that I and my wife were XXXX. We had no problems with our credit or other applicant information until I corrected information on our application that had misidentified me and my wife as " XXXX. '' It was at this point, that the XXXX XXXX representative refused to complete our application or return our calls. It was only after we complained about these actions to XXXX corporate office and threatened legal action concerning the company 's well-known past actions to redline XXXX customers did we get a positive response from the company and completed our mortgage agreement. During my application for mortgage assumption, the XXXX XXXX representative told me that I should have no problem assuming the mortgaged after paying a {$1600.00} assumption fee, but after submitting my application I received a letter in the mail a week later saying my application was denied. Since then, XXXX XXXX has also refused to allow my former wife to assume the mortgage and has kept both our names on the mortgage and credit reports although we have been divorced now almost two years. Their actions have had halted my efforts to purchase a new home with a low-interest rate and has negatively impacted by credit report because my former wife has not kept up with the payments. In addition, although the company says that I am a mortgagee, it has refused to give me online access to the account and tax records.
The Equifax security was breached ( as you know ), and I am submitting this complaint to express my frustration and insecurity regarding my personal information. While Equifax is also a victim of hacking, I believe there should be a discussion on how individual 's information can be protected and how to protect individuals whose information got leaked
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am sending you the facts of my Consumer Financial Protection Agency complaint against your company, in the hopes that you may use the information to conduct your business in a less predatory / more honest way. 
In 2015 your insurance was added to my account without my knowledge or authorization, resulting in monthly charges of XXXX, totally {$350.00} at present. 
My husband, who is authorized to discuss my mortgage account but not make changes to it, attempted to make a claim, describing to your agent a sewer line problem in our house. After several weeks, your company was able to dispatch a plumber to our house who said the problem could not be addressed because the pipes were not " accessible '', but still charged us {$85.00} for the visit. 
My complaints are : 1 ) The insurance was added to my account without my request 2 ) When service was requested, it took 3 weeks to get a response 3 ) When response was made, a plumber was sent even though the condition was falls within the very broad and very subjective exclusions in your policy regarding " inaccessibility '' of pipes, etc. As if the representative was aware that the issue was not covered, they listed the problem as a water line problem when it was clearly stated twice to be a sewer issue. 
I request : 1 ) Immediately stop charging my Ditech account for the property at XXXX XXXX, VA XXXX 2 ) Refund of {$350.00} I was improperly charged for nearly fictitious insurance, which in any event was not available in a timely manner when it was requested 3 ) Refund of {$85.00} we paid as a result of the incorrect and deliberate dispatch of plumber for issues that were obviously not covered Were you ( or an external regulator ) to impose transparency and integrity on your practices, attention should be paid 1 ) how customers are signed up ( a signature or voice recording would be advisable ) ; 2 ) how exclusions are disclosed upon sign-up and upon service requests.
Resident Collect is adding a collection account to my credit report with XXXX in the amount of {$840.00}. I have been disputing this account for a very long time because this account is not mine. I need them to send me written confirmation that this is my account.
I have disputed with XXXX collection agencies and XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information and verfified the debt has been paid. How is it possible for the bureau to get away with this? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX under past disputed CFPB case XXXX and XXXX received from different agencies. Now, I am in receipt of a new request from AFNI , Inc .