WillisBack/dataset-financial-user-claim huggingface dataset:
I called Equifax consumer services XXXX, XX/XX/XXXX to request a permanent security freeze lift since I was unable to do it online due to an error code ( NH ). The representative from Equifax stated they wound need additional documentation ( driver 's license and social security card ) to complete the process. I could fax XXXX or mail the documents. I faxed the documents XX/XX/2018. I called later that day and was informed it would take up to 48 hours to process. I called XX/XX/2018 and spoke to a representative and supervisor but the documents had not been uploaded. I called XX/XX/2018 and the documents were still unavailable. I was frustrated and puzzled that the security freeze I placed on my credit could not be lifted after answering the verification questions accurately and giving the PIN number. When I called XX/XX/2018, I spoke to a supervisor and she asked what fax number did I use. It was the fax number to the fraud department not the security freeze department. I believe that is a breach in itself for a representative from Equifax to give individuals the incorrect fax number. I faxed the documents again to XXXX. I had to pay {$5.00} and travel to public places to fax my personal information because I do not have a fax line at home and I work from home. This was an inconvenience. I called back XX/XX/2018 later in the evening and was told the documents had been received and uploaded and the freeze could be lifted after I correctly answered the security questions. I had to answer the security verification questions every time I called. After waiting on hold for 10 minutes the representative told me he was unable to lift the freeze but not to worry because he sent the request to another department that would be able to do it within the hour. I would receive notification in the mail in 5 business days. Has my credit freeze been lifted? I have no idea. Equifax is closed Saturday and Sunday so I can not call today. I am frustrated beyond belief that it would take 5 days to permanently lift a credit freeze and it may not still be lifted. I need to make a major purchase and need the freeze lifted ASAP.
I leased our family car in XX/XX/2013 3 years into a perfect record in payment I was left alone financially with my XXXX XXXX children. Car was reposed as I could not keep up payments. It is showing now 3 years later as still open on my credit reports. I have disputed with all 3 bureau 's and original lender. All to no change in my life is suffering due to it.
I have been contacted several times in the last week by Portfolio Recovery regarding a supposed debt with XXXX. Most recently was XXXX @ XXXX. I was also contacted XXXX at XXXX and XXXX @ XXXX. I have asked the company to stop calling me at this time because my boyfriend XXXX XXXX Thursday XXXX and I was trying to deal with that right now. They advised me they would NOT stop and " I do n't know what to tell you ''.
Equifax was recently hacked and my personal information might have been affected. Their attempt to resolve this is fraud protection for only one year.
My identity was recently stolen and the fraudsters have attempted to use my identity to open a number of credit accounts with retail establishments such as Macys, XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc.
Hi, I 'll keep the story short. It has been quite a few years since XXXX of my XXXX private loans with AES went into default. At this point and over the last several year 's I have n't even been contacted by any agencies about these defaulted loans, so I have absolutely no idea where they stand. The reason I went into default was because I exhausted my deferment and forbearance options with AES ( www.aessuccess.org ). None of AES 's repayment options worked with my living situations at the time ( since my income was extremely low ), and they would never work with me to create any other alternatives to repay back the loans ( from approx XX/XX/XXXX-XX/XX/XXXX ). They never informed me of default risks or offered any preventative measures to stay out of default ( for example, that if I event sent {$5.00} a month it would keep me out of default ). I feel like the company did a poor job assisting me, and made the process of trying to stay afloat financially in XXXX hard, or trying to pay other bills and loans impossible. I 've always felt cheated by them, and stressed at the fact that they never helped or worked with me to avoid default. Till this day I wish they helped me lower my the payments. All their repayment options did n't take into consideration all of my other student loans, so none of them would have ever worked. They never took into account expenses and other bills either. I am currently paying all of my other current private and federal loans back without any issues. It 's just that these XXXX that went into default are partially to blame due to AES 's customer service reps that I used to get frustrated with since they were hard to reach and nothing close to a service in helping me pay back loans. They gave me no opportunities, hung up on me often ( between XX/XX/XXXX-XX/XX/XXXX ), and as I exhausted my forbearance/deferments with them they twisted my arm and said their will be repercussions ( default ) if I did n't make payments, yet they never explained or assisted me in any way to stay afloat. I feel really cheated by them and it has impacted me financially ( in the long run ), and my future aspirations in life. Everything about their customer service to repayment help options have not been helpful. I really wish their service team acted more like a service and assisted me in the process a bit better so I could have avoided default.
This is the third attempt to obtain assistance, I reached out to the Dept of Financial Institutions, who referred me to Comptrollers office who know referred me to CFPB. 
Like many other consumers, am trapped in a Mortgage that is larger than what my property is worth ; no to mention the security issues that I am having - that my car was broken into twice once XX/XX/XXXX and the other in XX/XX/XXXX. The Association told me they cant provide any security. Also, the property needs repairs and it has a little of black mold in the bathroom. 
Because of this issues On XX/XX/XXXX and XX/XX/XXXX, I contacted US Bank via email ( XXXX, XXXX, XXXX ). I was basically asking for assistance with my current Mortgage. I wanted to know if US Bank have any Programs that can help me without affecting my credit? I was reading that short sales, DIL and even Foreclosures will have a huge impact on my credit score, which will cause an impediment for me to be able to purchase a new safer property. 
US Bank is aware, as I have mentioned in numerous conversations with them that the current mortgage of {$87000.00} is more than the value of the property ; In XX/XX/XXXX US Bank did an appraisal as part of a loan modification, and valued my condo to $ XXXX +/-. In XX/XX/XXXX The City Assessors office valued my property at {$71.00}, XXXX. In addition, sale comparables around me are in the 40s and as I mentioned before the condo itself needs some rehab. 
As of XX/XX/XXXX, I have not received any acknowledgement on my request. I want to buy a house but Im currently stuck in the condo where I dont feel safe.
My credit report reflects a bad debt-charged off status on a credit card, in reality I made monthly payments and the card balance is paid in full. Also, a tax lien is showing as current, when in truth this was paid in full and satisfied. I have letters of satisfaction on both accounts.
My credit limit with my card is {$8000.00}. I wanted to make a purchase for about {$15000.00} on the card, and so therefore, I prepaid my credit card by {$7000.00} to effectively increase my spending limit to {$15000.00}. The card issuer did not restrict me from making the prepayment and therefore I did so. When I made the purchase, it was declined. Upon talking to customer service at the credit card company, they said that the act of prepaying the card does not increase temporary increase the credit limit -- contrary to intuition of providing the card company with a secured prepayment. I then authorized a hard pull on my credit to see if the limit could be permanently raised to {$16000.00}, taking into consideration the prepayment. The hard pull was performed and the request was denied. This hard pull will impact my credit for the next two years, and the company would not allow me to consolidate this hard pull with a previous hard pull I made to increase my credit line in XXXX 2015. 

In summary, I would like to make a {$15000.00} purchase with my card, and I prepaid the card by {$7000.00} thinking the limit of {$8000.00} would be effectively raised to {$15000.00}. This card company will not allow me to do so, and I believe it should since I provided a secured prepayment.
I was threatened with prison time, having XXXX warrants filed by XXXX, was told that " I 'll bend you over XXXX '' " the best you ever had '', was told that I have violated federal and state laws, will be prosecuted for check fraud, multiple threats and told that they will destroy me! The debt was sold by check into cash, and I want them held responsible. The collector/ " attorney '' gave misleading and false information. Someone needs to be held accountable for their actions, please help ...
I received a letter from Santander Consumer USA that I had until XX/XX/18 to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/18 causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX XXXX XXXX XXXX and Santander was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX   XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/18 to XXXX XXXX. I informed them with proof from XXXX XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/18 and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/18 and received Monday XX/XX/18. But every time I call Santander they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning Santander tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.
PayPal is not allowing me to withdraw my refund given to me. I was refunded for an item and they have frozen my account and claimed that the transaction is at risk for a charge back or dispute. That is a lie, You CAN NOT dispute a refund, XXXX XXXX XXXX AND XXXX AND XXXX do not allow chargebacks or disputes for refunds. They only allow them for purchases or debits. That is simply my money being given back to me and is not even a transaction associated with a credit card or debit card or bank account. 

Reference ID : XXXX Email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The amount is {$2500.00} on hold and needs to be released.
I was making payments recently with XXXX XXXX, they were NOT reporting any of my payments that I were making every month to the credit bureaus but then when I missed one payment XXXX XXXX reported me to all 3 credit bureaus and they DID NOT CONTACT me by mail to notify me first before reporting it to collections. I had nothing in collections before at this time but now Im in collections because of this company and I feel I deserved a phone call or a letter in the mail to notify me to make me aware the account was threatening collections.
The XXXX XXXX XXXX is trying to collect a debt from a hospital visit, however it was discharged in Chapter XXXX this past XX/XX/XXXX. I explained this to them, but they proceeded to add this to my credit report as debt owed.
I check my credit report periodically. I noticed that on XXXX, XXXX XXXX and XXXX there was a collection account from a company named Collection Bureau of Hudson Valley. The original creditor of the account is XXXX. the address of this company is XXXX XXXX XXXX XXXX XXXX, NY XXXX and the phone number XXXX XXXX XXXX The partial account number is XXXX and the address identification number is XXXX in the amount of {$320.00} In 2016, I was homeless and sought refuge in a rooming house with others. Because of my hardship I lived very primitive. On several occasions my room would be ransacked and obviously entered without my knowledge. Therefore, many valuables were stolen. 

Early this year I began to get harassing phone calls from the aforementioned company informing me of a debt that I had NO KNOWLEDGE of. When I learned of this being a cable bill, I quickly informed them that this was not my bill and I have n't had XXXX as a cable company ever. I only had XXXX XXXX  which is their rival company. 

I have repeatedly asked to speak to a supervisor and asked for written documentation with my signature and picture of license as this is a requirement when receiving utility services in the state of New Jersey and the company Collections Bureau of Hudson Valley has failed to do so.
My father and I have the exact same name and similar SSNs. In the past the various credit reporting agencies would occasionally combine our credit reports in error. Every time I have gotten it fixed ( and it seems to have stuck with all by XXXX XXXX. This time I am seeing hard credit inquiries for a car loan as well as a credit card among other things on my report that belong to my father.
I have va and ssa insurance that should have taken care of all my medical blls never was contacted to fix problem
Trying to obtain a short sale approval for a deceased borrower. Submitted a completed short sale package twice to the lender/servicer Financial Freedom/One West Bank on XXXX/XXXX/16 and XXXX/XXXX/2016. The file has been assigned to a XXXX XXXX at XXXXXXXXXXXX. I have send email to follow up but emails has been ignored. I was told that XXXX has XXXX45 day to look at the file and there is nothing I could do to expedite that. Can you offer any assistant in this matter?
On XX/2016 Wells Fargo was my note holder as well as the holder of the Home Equity line of credit. When the home was sold the Home equity line of credit was supposed to be paid off. I have contacted the attorney that represented me, XXXX XXXX XXXX PA law offices. The Law office advised me that there was a mistake made. I have been paying on this Home equity line of credit for 1.5 years believing that it was my mistake. I recently discovered that not only am I not getting the mortgage interest write off but that the home equity line of credit extended by Wells Fargo should be paid by the home owner. I have contacted Wells Fargo as well as the attorney office and have gotten little to no help. I was told there was a title mistake made. I have been told the attorney made a mistake. I have also been told that Wells Fargo made a mistake. I do not understand why I have been paying for this ( automatic withdraw ) for 1 year and 6 months. Please help in however you can. Thank you.
American Express sent an offer for XXXX MR points as a targeted offer last year. I needed to spend {$5000.00} in 90 days in order to receive the offer. I completed the terms and have not received the targeted promotion. I have made several calls to their Membership Rewards team and to this date have not received a response or resolution. I continue to get the run around on this issue and it is becoming increasingly frustrating.
To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was sued and placed in collections with this company but the case was dismissed and placed in my favor. I disputed this account with Experian and they came back and said that the account remains. I provided my court documents in the dispute showing that the collection was dismissed in legal litigation. The report number was XXXX. Please remove the XXXX XXXX collections from my credit report.
I purchased the vehicle XX/XX/XXXX financed with XXXX XXXX XXXX. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. XXXX XXXX XXXX was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several  times without any response. XX/XX/XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XX/XX/XXXX and XX/XX/XXXX the loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.
they have not addressed my concern and have not validated the accounts. these accounts have been reinserted on my file and it was deleted for been unverifiable account XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late
I have had a checking account at Wells Fargo for over ten years. Suddenly two months ago I saw a fee charged to the account. ( {$13.00} or {$15.00} I believe ). I emailed via the Wells Fargo website and inquired about the fee. The reply I received was unclear, it said I did not have the right mix of products and services but the explanation was unclear why my mix was wrong, what I needed to change and what had suddenly changed to initiate this fee. They did refund the fee. I wrote back and asked for clarity and received yet another unclear reply. So I went to my local branch and inquired, the agent told me my accounts looked fine and I must have been charged in error. At this point I believed the problem to be resolved. 
The next month I was charged the fee again. So I contacted Wells Fargo again and they refused to refund the fee this time, and again did not provide a clear explanation. I replied and threatened to move my business and they did finally refund the fee and told me I needed to enroll in mobile banking to not be charged the fee again. So I followed the instructions to enroll and emailed them back to ask if everything was set. I received a reply that it was NOTset and that I was mistakenly told mobile banking was needed. I was told I really needed to call and get an ATM card. At this point my frustration got the best of me and I asked them to close my checking account. They did close my account but the reply mentioned the fee was because they believed I stopped my direct deposit. This was the first time anyone mentioned direct deposit. In fact, I did not stop it, it was on hold because of the season nature of the deposit which comes from real estate rental income. 
I am reporting this complaint because I am very concerned that Wells Fargo has a policy which is confusing and the employees have not been properly trained. Therefore they are unable to communicate the intricacies of the policy to consumers. I imagine someone elderly would not be able to jump through the same hoops I did to get this resolved and may be charged large fees they do not understand. I talked to XXXX different agents and never got the same or a satisfactory response. I will attach the email chain as evidence to this confusing response.
I have taken the steps to dispute information being reported by XXXX XXXX on my credit report with Experian and the case has been resolved unfavorable to me, despite having showing proof of its inaccuracy. 
I filed a chapter XXXX Bankruptcy Date Filed : XXXX XXXX, XXXX, and no credit card dept was included in the bankruptcy. Only a charge off auto loan and 2nd mortgage debt. I have attached documents from the bankruptcy trustee showing the items included in the repayment plan. XXXX XXXX credit card for XXXX was paid in full by me before I ever filed bankruptcy. Now they are reporting on my credit report that the debt was included in the bankruptcy which will adversely affect me. It should be reporting as a paid closed accont with a XXXX balance as of XXXX, showing I had a high balance of XXXX and paid it down to XXXX. not that unsecured credit card debt was included as a part of a bankruptcy. This is not fair credit reporting. Please require XXXX to provide proof of my last payment to them. Which will show I paid this in full prior to my ever filing bankruptcy and XXXX money was paid to them or included in the bankruptcy.
Since 2016, I have been contacted by XXXX XXXX XXXX XXXX XXXX, about a debt collection item.  During which time, they have called me numerous times per week and have sent several written communications attempting to collect on this debt, even after being asked to cease efforts. 

For over two years I have requested the below information, yet XXXX XXXX XXXX has not provided one item of proof that this account belongs to me. In addition, they have continued to harass me with phone calls and physical mail sent between 2-4 times per week. 

I asked for this information, which is my right, yet they have failed to provide me with any of the items. 

1. Copy of the original contract bearing my signature that shows I agreed to pay what you say I owe.

2. What the money is owed for.

3. Proof of XXXX XXXX XXXX assessed and calculated the outstanding debt. 
4. Payment history from the original creditor.

5. Proof that they carry a bond.

6. Proof that they are licensed to collect in my state of residence ( California ).

7. Proof of license numbers and Registered Agent or Agent of Service.

To this date, I have not received any of the requested information that is my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 

They have consistently violated Debt Collection Practices and I'm now filing formal complaints with the Consumer Financial Protection Bureau, as well as the California Office of the Attorney General. I also have hired an attorney to help in my efforts. 

Thank you.