WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017, I applied for a loan but my bank was unable to pull my credit from Equifax. I thought it was because I had previously frozen my credit. I could not get the pin in time for the loan and in the end, they did not need to access it. I recently applied for a credit card and the credit agency asked me to lift the freeze on equifax. Having never received the pin, I sent in a request. Equifax has reported back to me that I have no file with them at all. I know this can not be the case because I was told that it was frozen by Equifax and because I have previously received an equifax credit report. I need help gaining access to my account at equifax. I have heard that I might have a split file that is causing this problem.
Over the holidays I traveled and had difficulty assessing my account to pay bills through Amexs telephone billing system. Their automated system is consistently glitchy and does n't accept or recognize my account info, and boots me from the system. Their recognition software is extremely poor. And the wait times to get a live service rep are always ridiculously long. I have complained of this several times as I 'm sure other consumers have. As a result I did not pay my bill and was approximately a week or so late until I returned from traveling. As a result Amex jacked my interest rate up to a penalty rate of 27.49 percent ( almost double my regular rate ), charged me a XXXX dollar late fee and forfeited XXXX frequent flier miles. All essentially bc of lapses in their system and customer service which make making payments accessible. This is incredibly bad faith behavior, in my opinion, and given that their telephone system has always been difficult to access with poor recognition software, I feel reflects negligence on their part. I attempted to resolve it with Amex directly- again being knocked out of their glitchy telephond system several times and then being required to wait for extended periods to speak to someone- but they refused to reverse all the charges and restore my miles. Again, stemming from deficiencies in their own system.
The debt owed is a private student load from XXXX XXXX in 2004. The debt is over 12 years old. According to the statue of limitations they ca n't do what they are doing to collect debt that is over 4 -7 years old  depending on the state and in Florida its 6 years and after that the creditor can not pursue you in any way or threaten you to collect debt over 6 years old for a  private student load. These people have been calling me for the past few years and my friends. I do n't even know how they get the information to contact them due to the fact that I have no phone or anything in my name. They send letters to my friends addresses looking for me and that 's illegal due to the statue of limitations. I want them to stop.
I requested the method of validation provided by Transunion on the Bankruptcy that is on my credit report. They sent me a credit report instead of a results letter under file # XXXX fated on XX/XX/2018. This judgement is not on XXXX or XXXX  and Transunion seems to be the only one that won't address my issue or provide accurate documentation on how this debt was verified, I want it removed from my report immediate for violation of FCRA. I wrote a letter directly to the creditor as well to provide me on how the method of verification used on this bankruptcy and got no response. Please remove this bankruptcy from my Transunion report.
Someone stole my information and open an XXXX account, they receive the funds. My XXXX account was close do to this problem of balance check and Identity Theft. I do not know how this happen I explain this to the XXXX at the time I realize there was a problem with my account. I have dispute this account with Midland Funding several times and they refuse to move this off my credit report. I have open an Identity Theft Report the number is XXXX with XXXX County. The Midland Funding account is XXXX.
I used a 3rd party vendor to purchase an airline ticket XXXX XXXX XXXX XXXX on XXXX XXXX. As soon as the confirmation came back I noticed they changed the travel date. They said the search criteria automatically switches to booking to get the cheaper price. This is certainly a bait and switch. I immediately called back and explained what happened They processed my refund. The email confirming listed {$120.00}, the credit card charge was {$94.00} and the refund confirmation was {$120.00} and I have confirmation of the refund via email but it never hit my card. They even agreed to credit me more than what I paid. I was required to stay on the phone with the representative until I received the email. I received the email and had to give the sales person the code in order to cancel the reservation. Which I did. I had verbal confirmation that it was canceled and an email. Next, I decided to call XXXX XXXX to re-book instead of using the third party. When I re-booked the flight directly with the airline ( 5 minutes later ), they confirmed that no reservation was in their system and that they had not received payment from the third party so I went ahead and booked the ticket. I received my credit card statement with both charges. I disputed the charge with my credit card company. i have called 13 times and sent in emails with my documentation. As of this date I have only received a letter saying the card was used " in person '' which is impossible. They implied that it was a swipe and it was not. The last representative told me the letter was automatically generated and was a mistake. I have called so many times and I just want my lousy credit. They are terrible and I have been a member for 30 years. They need to be reprimanded for not following their contract.
ABR Recovery Services LLC, XXXX XXXX XXXX, XXXX, NY has placed a collection account on my XXXX  Credit report. They are claiming the original creditor is XXXX and that the last activity on this account was in XXXX of XXXX, which is what they have listed on the collection account on the report. This account was actually opened in XXXX and the last activity on this account was in XXXX. It was sold by XXXX to XXXX XXXX XXXX in XXXX of XXXX. There has been no activity on the account past XXXX. 

ABR Recovery is incorrectly reporting the " Date of 1st Delinquency ''. It is not XXXX as they have stated I have provided proof of the dates in the attached snips from my old credit reports attached to this complaint.
My biweekly recurring direct deposit from my employer normally hits Tuesday, by XXXX. Nothing was deposited and my balance is reflecting XXXX. I coordinated with my payroll and they confirmed it was sent, but after waiting on hold with Rushcard for XXXX minutes they advised my deposit was n't reflecting. This is a major hardship for me, for I am a single mom, flying with XXXX wing, and my son is a full time college student and tuition fees do not have any grace period, nor does my other bills in promised to pay today. I pay my bills in increments of XXXX, versus in full at the top of the month, due to making less then the cost of my total bills. The company has taken ownership of the technical issue, but has neglected to resolve it and grant me access to my paycheck. Please help!
On XXXX/XXXX/2015, I noticed a fraudulent activity on my Bank of America ( BOA ) account. I noticed that the Agency that perpetrated this heinous act, is the-same Agency that is withholding money from my Job payroll dept, as we agreed. Unfortunately, however, BOA allowed the same agency to withdraw all the little money in my account ; that I use to feed my family, without even notifying me : thereby endangering the welfare of my family, as I could no longer provide food for my children nor pay my rent. To this end, I requested BOA close the account, and they have vehemently refused, stating that I still have fees to pay. To this end, I am appealing to you to mandate BOA close my account because I do not want to do business with a bank that will endanger the welfare of my family.
The account in question has been past statute in the State of Michigan, and is still on my credit report illegally.
Jefferson Capital Systems is reporting a debt that was paid directly to the creditor which was XXXX XXXX. After speaking with Jefferson Capital Systems they did see that the account was paid directly to XXXX XXXX and still reported the collection to the credit bureaus. The account was paid in in full on XXXX/XXXX/2016 to XXXX XXXX and Jefferson XXXX XXXX reported it as a bad debt as of XXXX/XXXX/16. After calling XXXX XXXX they tell me that they cant discuss the account because it was sold to Jefferson XXXX XXXX but XXXX took the payment even though it was sold to Jefferson.
I sent a dispute letter to the credit company for the numerous amounts of unauthorized inquiries on my credit report that impacting my score and chances of acquiring credit. They have been giving me the run around for months about this situation. I sent the letter through certified mail to ensure the safety and timeliness of the letter getting to the credit company. The letters were mailed out on  XXXX   XXXX ,  2017  and I have not received any forms of communication about this situation. I need this deleted off my reports as soon as possible.   Thank you.
Immediate credit recovery submitted me to garnishment to stop my process of consolidation that was submitted. They are falsely reporting on my student loan account and not properly servicing my student loans. They need to stop this garnishment asap and honor my consolidation.
I was in the process of completing an approved short sale with Bank of America. The borrowers XXXX and XXXX XXXX were ordered to sale their home per their divorce decree. Bank of America released docs to the XXXX regarding the approval of the short sale on XXXX/XXXX/15. At this time they had an offer and issued a counter offer which the buyer accepted. As of last week XXXX all parties were waiting for the approval letter to be generated per the negotiator from BOA - XXXX XXXX. On XXXX without warning I received a message via XXXX that the file was scheduled to be released for service hold to XXXX XXXX. The buyer is CLEAR TO CLOSE.. Now his rate lock is in jeopardy and BOA will not return my phone calls, messages in XXXX that includes escalations. This morning I see the previous negotiator has been removed from the file effective today and XXXX XXXX is assigned. The ext of XXXX as listed in XXXX is not valid. I called and the system reported that the extension is not valid. They have ceased communications after approving the short sale and totally put this entire process in danger. The borrowers have NO knowledge of this transfer as they have not received any communications from BOA and XXXX does n't have the file in their system after referencing the SSN 's of the borrowers. Your immediate help is required to bring an end to fraud by Bank of AMerica. I am the realtor/negotiator submitting this complaint and have exclusively worked with Bank of America in this process.
I applied for a home equity line of credit from my bank. During the review process there were some missed mortgage payments. I explained to the loan processor that my wife had passed away and automatic payments drawn from our accounts were stopped upon her death. I told them that I was unaware of this due to circumstances related to bereavement. 
The amount of money that I make annually is adequate and is going to be enough not to exceed service to income debt, but what is most is most important is that I do n't owe money except vacation property that is over XXXX more in equity value than when I purchased it.
Chase Bank Notified of overdraft, transferred money from savings account to cover insufficient balance and was charged 3 separate over draft fees anyway. Only one was reversed. Refused to reverse the other two based on " cut off time that only applies to overdraft fees '' When the transfer was made it showed the balance positive immediately but then was showed as " pending '' in order to charge overdraft fees.

Accounts Manager XXXX and XXXX XXXX were the phone operators for the call. 

This is the same thing that other banks have been prosecuted for. Approximately 67 % of total revenue for banks come from predatory practices and Chase is the only bank left that hasn't been sued yet.
Hello, I bought furniture last year from a company thru Wells Fargo credit card. I been trying to pay off what I can every month. However my mother got sick and I cant make the min payment at this point. I been trying to see what can I do.
In   XXXX   XXXX  , I was in the process of applying for a home improvement loan and found that there was an unknown cre dit card through BarclayCard o n my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about   XXXX   XXXX   XXXX   I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.
I notice multiple inquiries on my EXPERIAN credit report, some reporting twice from the same company. Some different companies but the same day. 
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : XX/XX/XXXX XXXX Type All Banks - non specific XXXX CREDIT/ROUTE XXXX AU Dates : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX Type Automobile Dealers, Used XXXX XXXX XXXX Dates XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific XXXX Date XX/XX/XXXX Type Savings And Loan Companies XXXX XXXX   Date XXXX Type All Banks - XXXX XXXX XXXX XXXX Date : XX/XX/XXXX : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX Date : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Type All Banks - non specific
account is showed charged off XXXX seperate times and should just show closed in XXXX 2013
XXXX XXXX from Atlantic Recovery Solutions has repeatedly contacted numerous members of my family. XXXX XXXX has left threatening and intimidating messages with not only myself, but with multiple members of my family on more than one occasion. XXXX XXXX has not disclosed the purpose of his call and only asserts that he is calling regarding a very " time sensitive business matter. '' I have never received written verification from this company regarding any debts that they claim I owe to them.
On XXXX/XXXX/2015, I took a cash advance from a XXXX ATM for {$200.00}. But the ATM did not dispense the money. For TWO HOURS NOW, I have repeatedly called US BANK to put the amount in dispute. This is a simple dispute! I kept getting transfered, claiming they did know how to dispute it or it is against bank 's policy to dispute cash advances! I know this is a LIElThese are the following LOW BELL CRAWLERS who gave me a hard time! 
XXXX/I have to transfer you to my supervisorXXXX/ XXXX XXXX / XXXX XXXX/transfered to the fraud dept., where another XXXX answered and then disconnected meXXXX/I have to transfer you to another dept. 
XXXX/It is against bank policy to credit cash advabcesXXXX/I have transfer you to my supervisorTHESE ARE DELIBERATE STALL TACTICS TO KEEP ME FROM GETTING MY MONEY BACK! 
I want all of them fired, BECAUSE THEY LIED ANDI WANT US BANK HELD ACCOUNTABLE FOR THESE XXXX, XXXX, XXXX, BECAUSE THEY ARE UNAPOLOGETIC THIEVES! 
I want my money back plus all fees!
On XX/XX/XXXX charges were made to my credit card without my knowledge or consent. On XX/XX/XXXX I noticed the charges on my credit card. I immediately called Chase, my credit card company to report the fraud. They did an adjustment for me while they investigated. On XX/XX/XXXX, the charges were placed back on my card saying the fraud claim was lost because I received benefit from the transaction. I immediately called Chase to dispute this and showed proof that I received no benefit. In fact, I was charged for something I did not receive. I received another letter on XX/XX/XXXX that stated that any future requests or correspondence regarding this matter, with the exception that it contains new information will be filed with your account records and you will not receive a response. I then contacted the company ( XXXX ) that we had a dispute against. They stated they received a chargeback from Chase and were out funds as well. They provided me with proof that Chase debited funds from them on XX/XX/XXXX, the same day I was charged for something I didn't receive. I'm not sure why Chase would keep the money and close our case, but I am a victim of theft. Chase states they gave the company back the money and the company should refund me, the company states Chase debited the money and they have no funds to refund us back for a purchase we didn't receive. They advised us to take it up with Chase. I did take it up with Chase and they refuse to talk anymore about the matter, even with faxed proof that we in fact, are being charged for goods, we did not receive. Thanks for your time and attention to this matter.
I sold my house XX/XX/2018 and paid off all my bills. Idaho XXXX notified the credit bureaus I paid my mortgage off but credit bureaus say they did not. I had my credit report run & they show as of XXXX I made no more payments which means Idaho XXXX did report to them. I have spent hours on the phone with all of them. They go through my report and finally say they can not help me because they dont know if Im me or not even though they pulled up my credit report with the information I gave them. I even talked to a supervisor who asked me a bunch of questions I could not answer off the top of my head. Like what I owed to bank, credit cards etc. 
I want to buy a trailer but because of their unprofessional behavior my score is bad when it should be excellent These credit bureaus need to do their jobs and quit lying when they are wrong and ignore the problem.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I applied for a mortgage modification with my company-Wells Fargo. I believe I am currently in a FORECLOSURE status on my home. I received paperwork advising me that I am approved for the Home Affordable Mortgage Program. The paperwork gives me an offer of " onging '' " trial payments '' for an undisclosed amount of time. Paperwork states that they can not tell me at " this time '' what my actual modified payments will be. How is this a modification? I appealed and stated that I am in total agreement with approval, but can not commit to so-called modification without knowing what my final payments will be. I do understand that I am not in a position to be calling the shots here, given that I am behind on my payments, but I fear that they will take the payments, and then slap me into another predatory, over-inflated interest rate, unaffordable mortgage program. They are giving me no dates as to when these " trial payments '' will end, etc. I understand that they want their money, but I do n't know anyone who would agree to this open-ended agreement.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency.
Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection.
I checked the site and it indicates that my information was compromised.
I have a mortgage with Freedom Mortgage Company. I have an escrow account that should pay my property taxes. They were due in XX/XX/XXXX of last year. As of today they have not been paid and the county I live in is threatening me with legal action.
Lender had orchestrated an outcome I lost the property title as a collateral for the mortgage, but kept the obligation. If not required by lender it would not have happened. I would not grant title to anyone if not relieved from the Promissory Note. The " sale '' simply would not proceed. I expected and trusted this lender to be a safe process same as sale when escrow holds docs and swaps them at the right time. Perhaps lender wanted to forfeit all interest-only paid by now forcing refinance instead of assumption or its been other form of long term strategy. Lender kept dragging it for 3+ years  bouncing between departments without resolution. This would not go that far if in the beginning of XXXX they would simply approve modification or allow for short sale like with everyone else in this country. We have applied for help in the right order. The outcome is lender refused to transfer balances to the new owner and breached the assumability of the loan document. It bears some commonality for modification scam when I applied for it and more than a year later been directed to assumption package instead, and it required signing over the title to someone else. 

Main issue : Why lender encouraged us to perform an assumption instead of completing modification/short sale? 

Why lender did demand transfer of property title in order to file assumption package? 

Main damage : I cant sale now to pay off balances, because I am no longer on the title.
XXXX is stating that I owe them {$150.00} for cancellation of contract. I requested verification that I had a signed contract and they only forwarded the attached forms. When I originally called on XX/XX/XXXX16 they had nothing under my name or phone number. I am unaware of a contract being signed and their rate of XXXX cents per XXXX is reflective of the current rate from our local XXXX XXXX XXXX XXXX XXXX. They sent me to collections with a company named Credit Protection Association LP. See attached
experian says i owe 13 collections and gives me a XXXX score ( makes sense ) but they only show me 1 collections and the same XXXX score ( doesn't make sense ). other agencies show the same single collection on file and everything else the same with almost 100 more points to my score ... so to sum it all up, their system is glitched and betraying my financial responsibility in an extremely negative light limiting my abilities in life for no reason! Ive tried resolving this with them to just be put in a file and ignored ... this needs to be fixed immediately!