WillisBack/dataset-financial-user-claim huggingface dataset:
Apparently I have a 10 year old " freeze '' on my credit file from 2009 that I just found out about when it negatively impacted my recently opened XXXX account- after it was already approved and installed. Now, suddenly I am notified that because they can not " locate '' a credit file, I will be charged a deposit and higher rates than initially discussed and agreed upon. After more than three hours and several Experian representatives, Experian can not verify my identity and because I do not know the 10 digit PIN ( from 10 years ago ) and I have moved ( so they could only send the PIN to my old address at the time of the initial freeze ). Then they could not access any security questions to verify my ID over the phone, and the upload feature online does not work, repeatedly having technical issues and deleting my documents. So, NOW I must send a copy of current utilities ( but NOT the lease, when we moved in just two weeks ago ), my state-issued driver 's license, my passport, and my social security card just to request that a new PIN be mailed in 8-10 business days ( on top of the 3-5 for processing ). This will take weeks to complete. However, over the past several years, I have opened numerous credit cards, purchased multiple cars, and more ... all under this supposed " freeze. '' I was told about it in XXXX and immediately had it lifted without any PIN, so I thought the nightmare was over - but somehow it only worked temporarily and now they basically can not explain why it was not lifted permanently or why they can not access the questions or why I was able to go nearly ten years without even being aware of this freeze. Nobody can answer anything and they all just treated me like trash. It is a scam. Yet Experian has control over nearly every aspect of our lives. I have NEVER had to pay a deposit for utilities, or anything else until now and it is not because of poor credit, but their poor procedures and lack of caring about the customers they are hurting.
I am a XXXX-year old retired male living with my XXXX-year-old wife in XXXX, Virginia. Since XXXX XXXX we, as joint owners, have been faithfully paying a 30-year mortgage loan with Bank of America ( BOA ) Home Loans, which acquired Countrywide Home Loans in XXXX. Currently the principal balance is {$77000.00}. During the course of the mortgage we have had several issues with BOA concerning the escrow account ( taxes & insurance ), which monies are paid to BOA from our total monthly mortgage payment of {$900.00}. Currently the monthly escrow amount is {$140.00}. 

In XXXX our then-monthly mortgage payment of {$1100.00} was reduced nearly $ XXXX/month, largely due to a reduction of our XXXX XXXX County property/real estate taxes under the county 's Tax Relief Program for XXXX and XXXX Persons. Also, in XXXX XXXX, BOA sent us a check for {$2300.00} for " escrow overage. '' However, this month, XXXX, XXXX, BOA sent us an Escrow Account Review statement in which BOA established a new monthly escrow payment of {$280.00}. No stated reason for the increase, however the statement applied ( added ) our annual county taxes of {$990.00} TWICE. We do not know why BOA sees fit to increase our escrow payments or why our county taxes are applied twice. However, BOA sends to us about twice a month offers to refinance our mortgage. Which we do not want, especially because our monthly mortgage payment is more manageable due to the county tax reductions. 

We are left to think that, perhaps, BOA is attempting to recoup the escrow overage check money by increasing our escrow monies owed, in addition to to pestering us to refinance, which we believe would be far more beneficial to BOA than to us, especially since our principal payments are now reducing the total amount owed on a par with the interest charges. 

As things stand now, we consider BOA 's escrow increase to be arbitrary and without merit and wish clarification of BOA 's intentions under its Escrow Account Review.
I took a loan with XXXX and defaulted. National Credit Adjusters ( NCA ) called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX, their SISTER COMPANY, would also remove the marks. XXXX did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes. 

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX sells much of their bad loans to National Credit Adjusters, so I am holding them responsible for the false promises made by NCA. 

Thanks, XXXX
I did not sign up for a capital one card which is now on my credit and I cant dispute it
I received a collection account from you and told you it wasnt my debt but its still on my credit and now affect my ability to buy a house
Plus XXXX just reported an outstanding collections with XXXX of XXXX stating I owe a medical bill. This bill was paid/settled out and was to be removed from my credit file. Now I am closing on a home loan and can not now due to this inaccurate information listed. I need some quick help.
XX/XX/XXXXXX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

On XX/XX/XXXX, I checked their website and my information was part of hack described in their announcement.
I did ask my lender ( Citimortgage , Inc. phone XXXX ) multiple request to waive the escrow account and the company denial my request for the reason they said is loan-to-value ( LTV ) ratio too low, now at current value of 84.36 % .but this value it was calculated in XXXX when they original appraised value of the property of $ XXXX.I recently appraised the property using a private appraiser and the property value is more higher but CitiMortgage do n't want to accept it, and then I request the company to do their own appraiser but they do n't want to do it.That is the mean reason for this complaint and I do appreciate any kind of help from you. 
Thank you.
National Credit systems sent a XXXX page excel sheet printed off from a computer screen and claimed this was enough information to report a collections account to all XXXX credit bureaus. this was after i filed a verification of debt within the thirty days given to me. i could dispute each charge placed in my name and also believe the original creditor knowingly violated a number of statutory laws. national credit systems continues to contact me even after i have written them to cease contact. they continue to attempt to harass and put a strain on me and my families well being without being held accountable.
I received a payday loan for XXXX dollars. I was not sent the contract terms, and I was n't called by a representative to explain the terms. It turned out that the repayment was on a schedule I could not keep up with, and when I asked the lender to adjust the schedule they refused, while informing me that there would be a XXXX dollar finance charge for each missed payment. For me, that meant that I would never be able to pay this loan off. Now I am receiving harassing phone calls at work from a representative who tells me that it will cost XXXX dollars to pay off this loan.
XXXX XXXX XXXX an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and Nationstar Mortgage has criminally engaged in XXXX, abuse and harassment XXXX against the named consumer and her family, household.
COMPANY CONTINUE TO DEMAND PAYMENT ON OUTDATED (XXXX)ACCOUNT, NOT MINES AND PAST STATE(GA) STATUE OF LIMITATION OCGA 9-3-24, OCGA 9-3-25 ; (4) YRS ON OPEN END ACCOUNTS, VIOLATED FCBA, FCRA AND FDCPA...NOTE: ID FRAUD AFFIDAVIT WAS FILED WITH FTC# XXXX
I have had an open on account with XXXX XXXX XXXX XXXX XXXX ; this was a contract that was picked up by XXXX XXXX. My original contract was with XXXX XXXX XXXX. They went out of business this year and XXXX XXXX offered to allow use to their facilities. This was true as of XX/XX/XXXX, XX/XX/XXXX.
On XX/XX/XXXX I mailed out cancellation notices regarding my account -- a XXXX XXXX also sent the same notice. ( this is relevant because my account is charged for both XXXX and my gym membership. ) On the following day ; I sent a notice of bank transfer authorization notice ; in the letter i state that any authorization that once had been given was fully revoked, effective immediately. I also made sure to send a copies of both notices via email to both ( XXXX ; and XXXX ) OnXX/XX/XXXX I called my bank XXXX to let them know I had revoked any rights to transfer of funds to the specific XXXX XXXX and their billing unit XXXX XXXX. My bank said that to uphold such rights to refuse use of my banking account, i would need to pay {$30.00}. I refused because it seemed outrageous to charge me {$30.00} to stop pay on {$20.00} gym memberships. To date I have now been charged two separate {$10.00} transaction from XXXX XXXX. My original contract was for one ( 1 ) year startingXX/XX/XXXX and it was effective for 12 months.
Hopefully, I have chosen the right avenue to lodge this complaint. On XXXX XXXX, 2015 I walked into XXXX XXXX in XXXX, VA. My purpose was to purchase a XXXX Chrysler 300. When I arrived, I informed my sales agent that I had a check from XXXX XXXX to cover the purchase. Subsequent to agreeing on a price for the vehicle, the salesperson brought a document for me to sign. I looked over the document and notified the salesperson that I would sign, but I did not want the dealership to look for financing on my behalf. The salesperson assured me that would not happen. After about a two hour wait, I finally went into see the finance manager to finalize the transaction. About a week after I purchased the car, I began to receive notices from various lenders notifying me that they were sorry, but they could not extend me credit to purchase the vehicle. After receiving several more rejection notices, I checked my credit report and found out that close to XXXX inquiries had been made by the dealership on my behalf for financing. Upon gaining this information, I called the dealership several times over a 30-45 day period, seeking an explanation for the unauthorized inquiries. I received no return phone call. On XXXX XXXX, 2015 I decided to e-mail the General Manager of the dealership. Within a few hours of my email, I get a call from the finance manager that completed my transaction. He explained to me that there must have been some " misunderstanding '' with the salesperson. The finance manager said that because I signed the document that the salesperson gave me, that gave them the right to shop for financing on my behalf. I informed the finance manager that I signed the document with the explicit instructions to the salesperson not to try to find financing, and that the sales person told me the dealership would not be looking for financing for me. Again the finance manager told me that there was nothing I could do. I asked for some kind of compensation for the unauthorized inquiries and again I was told there was nothing that could be done. XXXX lied to me and shopped for credit without my authorization. I would like some form of compensation for this violation of my rights.
On XX/XX/2016 I sent inquiry to Chase regarding corporate fees and cost accessed to my loan. On XX/XX/2016 I received a response that I was n't responsible for corporate fees accessed XX/XX/2016 and XX/XX/2016 that they are non recoverable. I am concerned as to why fees and cost are being accessed on my loans when it is current. These fees were from XX/XX/2006. I had a loan mod and successfully completed the mod remaining current since that date. Why was n't these fees removed or rolled into the loan at that time? Why are fees and cost still on the loan XX/XX/2016? And if they were not recoverable why are they on my payment history in XX/XX/2016 10 years later? They are in violation of RESPA ACT. I also request recorded documents and letter dated XX/XX/2016 indicate they were unable to locate assignment of mortgage to Washington Mutual and WAMU to Chase. If those documents are not available how was Chase able to began foreclosure proceedings on my loan prior to XX/XX/2006 without proper documentation. Chase was violating many acts. I am demanding all recording documents including my executed modification. Being advised to go to the court house to obtain these documents are unacceptable ask have been paying this bank thousands of dollars. If my recorded docs are not available then where is these docs stored and can they retrieve these docs from that location. 
I would appreciate a response within 30 days. 
XXXX
Company was attempting to collect a debt. Company has been calling all times of night about a debt that I do not owe. I have spoke with this company and they will not stop the harassing. They have took it to the extreme and called my employer, asked them how much I make, am I a good employee, how many hours do I work, and when do I get paid. This company has literally called my boss, and asked him he is screening my calls. This is unacceptable in my eyes. This is very unprofessional.
I had an auto loan for a used car taken out with Condor Capital Corp sometime in XX/XX/XXXX as I do n't have the exact date. As a part of the agreement for the auto loan, full coverage gap insurance including loss of income ( job loss ) was apart of the contract. My vehicle was repossessed in XX/XX/XXXX for non payment as I had lost my job. The gap insurance was supposed to cover the full cost of the agreed sale price as stated in the agreement. I had traveled abroad and way for about six years. When I returned back home to the states, I noticed I had a civil judgement against me from this lender and missed my court date as result of being abroad. I filed a complaint with the major credit bureaus and it was determined the debt was invalid as they deleted this from credit file. Roughly four months later I 'm now getting wage garnishments and a lien on my bank account for this very same debt. Every time I try to contact the lender or speak with my bank ( XXXX XXXX ), they claim they ca n't do anything about it. Condor Capital was shut down for fraudulent reasons as stated here - XXXX XXXX XXXX. I do not recommend banking with XXXX XXXX as when I ask to speak with their fraud team they keep disconnecting my call.
I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX/XXXX I have disputed it many times to all XXXX credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute XXXX would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX/XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.
I called TransUnion today XX/XX/2018 and spoke with representative, I stated to him that, I have some recent unsolicited credit inquiries that have been added to my credit profile. 

I also stated to him that I was at one time a victim of fraud and that there should be a statement on my credit profile stating that " Must call consumer 'me ' to verify that it is really me applying for credit '' He said that there is nothing he can do about the inquiry and I must do it myself. How is that creditors can put information on your credit profile and the credit reporting agency can't do anything about it.
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE AND I HAVE APPLIED FOR MORTGAGE ASSISTANCE. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), IS PROCESSING MY REQUEST FOR MORTGAGE ASSISTANCE. IN A LETTER DATED XXXX XXXX, 2015 SPS REQUESTS ADDITIONAL DOCUMENTS FROM ME AND IN THIS LETTER THEY PROVIDE A XXXX/XXXX/2015 DEADLINE. IN ANOTHER LETTER DATED XXXX/XXXX/2015, SPS NOTIFIES ME THAT THEY HAVE SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. ON XXXX XXXX, 2015 IN A PHONE CONVERSATION WITH SPS, A REQUEST WAS MADE THAT SPS RETRACT THE LETTER NOTING THE SALE DATE IN WRITING VIA EMAIL. THAT EMAIL OR RETRACTION HAS NOT BEEN RECEIVED. SPS IS ENGAGED IN DUAL TRACKING AND PREFERS TO PROFIT FROM THIS METHOD. THEY PRESENT A FACADE OF HELPFULNESS SO THAT THEY CURE LURE HOMEOWNERS INTO FORECLOSURES.
We made a request for a loan pay-off with Seterus, and although we are current with our loan we failed to receive a pay-off within 7 Business Days. Property has still failed to close due to not receiving the pay-off.
1 ) TAXES FOR XX/XX/XXXXWERE NOT PAYED! 
2 ) AMOUNTS WITHIN LOAN ARE IN DISPUTE! NEED COMPLETE SERVICE FILE!!! 
3 ) LAST MORTGAGE STATEMENT PRIOR TO THE ONE I RECEIVED FOR THE MONTH OF XX/XX/XXXX, WAS DATED XX/XX/XXXX, NOW I HAVE WRONGFUL LATE CHARGES ADDED TO MY ACCOUNT. FAY DID NOT PROVIDE MORTGAGE STATEMENT FOR XX/XX/XXXX, XX/XX/XXXX, NOR XX/XX/XXXX. BLATANT THEFT AND VIOLATIONS CONTINUE!!! SEE ALL OF MY PREVIOUS COMPLAINTS. 
4 ) PAYOFF REQUEST DID NOT MATCH TOTALS WITHIN LOAN. 
5 ) XXXX FROM XXXX AND FAY DID NOT MATCH TOTALS PAYED ( ONCE AGAIN )!!
I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX XXXX XXXX XXXX XX/XX/2018 bank of amer  XX/XX/2018 XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would pos t within a day or two, but then so metimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I w as notified from my credit reporting company, that one of my payments had been listed as default of 30 or  more days. I find it extremely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
I am disputing an open federal tax lien filed in XXXX 2010 citing the XXXX* rules ( the lien has no SSN number and no DOB ). * XXXX : Beginning XX/XX/XXXX, the bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the XXXX XXXX XXXX XXXX, new and existing tax lien and civil judgment data must include a person 's name, address and either a Social Security number or date of birth in order to be included in credit reports. Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days.
I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
My current address is XXXX XXXX XXXX, XXXX, IL XXXX pleased delete the following address they are not mine : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX my current and ONLY NUMBER IS ( XXXX ) XXXX I have never even had the following phone numbers please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.