WillisBack/dataset-financial-user-claim huggingface dataset:
I have applied for an HELOC from Santander Bank, headquartered at XXXX XXXX XXXX, XXXX, MA. The Consumer Credit Processing office is located in XXXX, Rhode Island. 

I have made numerous requests to receive specimen copies of all documents ( " CONTRACTUAL DOCUMENTS '' as defined by CFPB ) that I will be asked to sign at the closing so that I have ample time to review them myself and to then have them reviewed by my legal advisor. 

1. THE BANK REFUSES TO PROVIDE THESE DOCUMENTS.

2. THE PROCESSING CENTER STAFF REFUSES TO PROVIDE THE NAME AND TELEPHONE NUMBER FOR A PERSON IN THE GENERAL COUNSEL 'S OFFICE. 

3. THE BANK APPEARS TO HAVE DELIBERATELY CONCEALED TELEPHONE NUMBERS FOR ITS EXECUTIVE OFFICE AND OFFICERS TO PREVENT A CUSTOMER FROM ESCALATING REQUESTS SUCH AS THIS ONE. 

XXXX. THE BANK IS ENGAGED IN AN UNFAIR AND DECEPTIVE BUSINESS PRACTICE BY INTERFERING IN ITS CUSTOMERS ' RIGHT TO INSPECT LEGAL DOCUMENTS AND TO HAVE THEM REVIEWED PRIOR TO CLOSING ON THE LOAN.
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101.
I noticed an unknown public record on my report, showing under Equifax and XXXX. I wrote letters two times to both bureaus, asking to investigate this information and to have it removed from my report. I was waiting 45 days between letters as I was directed, but unfortunately they did not respond. No investigation was made and the Public record is still showing on their reports and affecting my credit badly. I am unable to move forward financially as a result of it and causing me a lot of XXXX.
On XX/XX/2017 I sent a certified letter to Experian asking them to investigate and verify the following two accounts ( XXXX XXXX and XXXX XXXX ) on my credit report. 

Experian sent letters back saying they were verified. I sent another certified letter on XX/XX/2017 for XXXX XXXX and XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. I received another letter stating the same thing for XXXX XXXX and XXXX XXXX as verified. 

This is a violation of the Fair Credit Reporting Act.
I have faithfully made payments to this collection agency for 3 years ( i have all my bank statements to prove ) but they did not notify me they were selling my debt to another agency and this agency is now attempting to collect on original amount of debt and none of my payments have reflected and they reported me to credit bureau as a " charge off ''
Hello. 
On XX/XX/XXXX, Equifax released the information about the security breach involving over 143 million Americans, including myself. The fact that now my ssn, birthdate, and other sensitive information was compromised is appalling. Now, I have to worry about my identity being stolen because I am applying for mortgages. Steps have to be taken to remedy this and I am deeply angered that the security is so XXXX that all of our information is compromised. I do not pay taxes to worry about this kind of thing.
The company contact my cousin at her home number and left a message stating that the call was in reference to a debt collection. I do not know where they received the phone number. I do not even know her home number ( only her cell phone number ). My cousin called back and they stated they were looking for me regarding debt collection. My cousin is very upset these people are calling her. I called the company and they are collecting a debt and have my cousin 's address. I have been staying there since XXXX 2015. I have never given any XXXX the number for her home ( again I do n't even know the number ). The fact that they called a number that is not listed in my name or even in a name with the same last name, a number I never provided them and left a message they were a debt collector and gave my name to my cousin is a breach of privacy. I have signed no XXXX party authorization and I did not provide the contact number they called. I asked the company to provide the paperwork I complete providing this number to them and they hung up on me. I believe they got the number from an internet search.
Went to online school for one semester in the year 2006. 
I put in a loan application for 2semesters but only completed one. They gave me no notice as to what to do but still charging me for the entire 2semesters from 2006.  To today they say i owe them XXXX dollars unacceptable. Help me.
On XX/XX/17, XXXX XXXX XXXX ( us ) paid XXXX XXXX XXXX the amount of {$3200.00} ( check # XXXX ) to payoff loan for XXXX XXXX XXXX XXXX. As of this date, we have NOT received the title. I run a XXXX and XXXX still shows as lien holder of the vehicle. We have tried several times to contact XXXX and request the release of the title and they keep telling us that the title was released. When we ask to speak to someone in the title department, they say we can't talk to anyone from that department, that we need to leave a message for them.
I have been going back and forth with Equifax concerning some unauthorized inquiries and an account that is still being reported that Equifax claimed to verify the date of last payment which is inaccurate. This has been an ongoing issue and Equifax has not been any help. By continuing to report these unauthorized inquiries and inaccurate unverified item they are violating the FCRA. Equifax 's credit breach leads me to believe the company is n't properly investigating disputes as they are claiming. I also have fraud alert on my credit report and have had for several months. The unauthorized inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX  XX/XX/XXXX. The inaccurate account is XXXX XXXX. 
As a consumer I am aware of my rights according to the FCRA. The only outcome is for Equifax to immediately remove these unauthorized inquiries and unverified inaccurate account as well as send me an updated copy of my credit report. I also must add that these credit reporting agencies should do more to help the consumers. Also, I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES AND THE UNVERIFIED INACCURATE ACCOUNT. I DEMAND THAT EQUIFAX NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.
In  XXXX   XXXX   2017  I spoke with  XXXX   XXXX  and  XXXX  at   XXXX   XXXX  . I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credi t WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not  to pull the credit he did it anyway and my score has dropped  XXXX  points immediately as a result
I used Equifax 's product TrustID at XXXX XXXX XXXX to determine if I was affected by the data breach at Equifax. After entering in my information I was initially told that I " may have been impacted by this incident ''. However I then tried a credit check on several completely fabricated individuals ( with fake last names like " XXXX '' and " XXXX '' XXXX and still received the same message that these fake people " may have been impacted by this incident ''. This is flagrant misconduct and improper reporting by Equifax.
Being sued as a cosigner for my sons loan to attend XXXX XXXX XXXX University in 1995 by a Debt Collector ( Law firm ) which specializes in obtaining loans written off by a private lender and still attempts to collect on said loan for their own individual profit purposes in addition to attempting to also collect an excessive amount of interest. This law firm is operating as a debt collection agency not specifically hired by the original lender but instead employs " fishing tactics '' on credit bureau reports in an attempt to gain individual profit. I was not sued by the original lender XXXX XXXX XXXX who had this loan guaranteed by the Federal Agency responsible nor by any Federal entity but instead by this particular debt collection company. I an unable to afford an attorney to represent my interests nor am I able to obtain the necessary documents to fairly contest the numerous an excessive amount of legal motions being directed against me in an attempt to intimidate me into paying as a cosigner for my sons student loan. I strongly feel that as a XXXX XXXX I am at a distinct legal disadvantage in this matter. I also believe that this debt collection agency has unfairly obtained the rights to purse me for repayment for the loan in question. Please provide me with assistance in any way or form legally permissible. When I attempted to make arrangements to repay this loan I was informed that the interest alone would be XXXX the amount of the original loan repayment and that even XXXX per month would not reduce the amount of principle involved. I am concerned the debt collection agency Law Firm involved will attempt to get a summary judgment against me.
Tide water finance company has reported my purchase of furniture on my credit report as a maxed out credit card. It took  XXXX  points off  my credit score and I  am in the process of closing on my house. My first payment is n't due until  XXXX . As it stands, I contacted  XXXX   XXXX   XXXX , they stated they are unaware of TWFC practices, so they would not be able to inform the consumer of this potential damage. TWFC manager stated, they have no involvement with how their accounts are reported to the credit bureaus, so they are unaware of the damage they are doing to consumers. I informed them that there a numerous reviews on line of customers with similar misfortune. I would never jeopardize my home purchase this way. It is unethical to jeopardize a person 's entire financial future and refuse to offer a remedy. I explained that if I financed a car, it would not show up on my credit report as a maxed out  XXXX  Visa. This furniture account could have been a good line of credit, instead it is a derogatory account, before my first payment is due.
On Friday, XX/XX/XXXX, I called and spoke with someone in XXXX XXXX 's office, the solicitor for Amsher. I told them this amount is not validly owed and I am working with XXXX to resolve this matter, and clear my credit and good name. Because this amount is not owed, I should not have to paid it. I do not want to have to take legal action, but will do so, if necessary, to defend my good name and good credit. Amsher 's inaccurate report of an alleged debt negatively affected my credit score by 159 points, and they had not, at that time, made any effort to reach me.
I like it, but I edited it a bit more : Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
On XX/XX/XXXX my Vehicle was repossessed by 5/3 Bank, for what they are claiming was missing payments. I was not contacted in any manner regarding late payments or that my loan was in default. I have gave express consent to contact me via Cellphone and Email as you will find my attached documentation. The consent was given in XX/XX/XXXX for Paperless statements, for which I have not received a single one ( still to this day can not view on XXXX ). I gave consent for my mobile phone on XX/XX/XXXX which I have attached photo evidence from the XXXX XXXX XXXX on 53.com. I have been in contact with XXXX XXXX, constantly, since the incident took place. I have left countless voice mails over the past months, some were given response, the most recent have been ignored. I have provided to their agency documentation proving that my bank account had sufficient funds, that attempts were made to make those payments, that previous consent had been given for contact. My online payments were made but never received, hence the default result due to technical difficulties that 5/3 Bank have admitted to experiencing in and around those months.
My understanding of the credit card act in 2010 is that any payment made above the minimum should be allocated to the highest interest rate on the account. Ive been told by employees that they can allocate my payment however they want. I was also told they allocate my payment to the lower interest rate first. 

My balance is divided into 2 portions, one is purchases being charged at 21-25 %. The other is a balance transfer being charged at 0 %. So in this situation my minimum payment was {$130.00}. I paid over {$2000.00} this was to not only cover the minimum But to cover some purchases. However I was still charged interest and given not only conflicting information but information that is illegal.
I am currently going through economic hardship, I am struggling to repay my student loan. I have already reached out to my student loan lender ( XXXX XXXX XXXX ). Since XXXX 2017 they have been unable to cooperate with building a repayment plan with me. However recently after many months, I have finally come to an agreement with XXXX XXXX XXXX with am income-driven repayment plan. However, this does not include my negative effects on my credit score ( payment history ). This is negatively affecting my chances dramatically of acquiring a financially stable employment status which requires a credit check from all sectors within my XXXX XXXX XXXX. In other words, I cant successfully acquire a job with my degree because it requires a credit check.
My prior claim numberXXXX Well to start again I finally got a bill like normal companys send. The statement does show what you show pay them. It does not show payment or mortgage balance. How cam a company you pay XXXX $ per month and show nothing. Maybe the need some better management. They will not tell me who they pay my money too. They have not got my harp payment either. They had a lien put on our home because they never made a proper payment. They paidXXXX however the missed a payment somehow and due last XXXX XXXX.i told and sent the papers in XXXX. So the money owed is costing me because of late charges. I also want the lein taken off our home.can someone tell me why does a mortgage company need you to send your money to another company to pay your mortgage. Who is paying for that. The mortgage company that I dont even XXXX who they are. I cant believe this XXXX. I never had a problem with any company like this slip share company. They cant be doing this to just me. They need to be put out of business. Thank you
I have had my Citibank cc since I first purchased my house. It has remained a MasterCard but has been 're-assigned ' to various cc programs. It started out being a 7.5 % tied to my mortgage, then when CARD kicked in it went to 29.96 % and then later to 22 % on the ThankYou program. Now the ThankYou program is done and they want you to sign up for their money back on purchase program at 26 %, I did not sign up for this. 2 months ago I paid off this card. 2 weeks after paying it off I got a marketing piece informing me that if I purchase anything on my card up to XX/XX/2019 the rate of interest charged will be 2 %. During the next month I received 2 more of these marketing pieces. They all said 2 % interest on purchases made through XX/XX/2019. They did say that transfers were not eligible for the 2 % rate. Not in any of this material did it say that the rate would change once that purchase was made. It did say that purchases made after XX/XX/2019 would be at the current rate of 25-26 %. 3 weeks ago I had one of those emergency expenses that cost {$4500.00}. I went to the Citibank website and check marked the 2 % offer on purchases until XX/XX/2019 offer. On the website it said that transfers were not eligible and nothing else. I ran the charge on the card. Now get this, after making that charge I get a regular letter from Citibank, not marketing material, that told me after XX/XX/2019 my 2 % purchase will be charged at 26 % interest. So if it was XXXX of 2019 when I made the purchase I wonder what they would do? 

This bank has been financially ripping me off for years. I was late paying the account 7 years ago, and it was only once. ( my appendix ruptured ) I have seen these promotional rates before and they run until the amount is paid off on other cards. Not anywhere in the marketing material did it say the purchase interest rate would go up to any other rate. Do not let their marketing material mistake rip me off with the new higher rate of interest.
Equifax has failed to honor the 45 day rule for mortgage inquiries. I have been shopping around for a mortgage since XX/XX/2016 and instead of them counting each mortgage inquiry as XXXX inquiry, they have counted each inquiry separately and have reduced my credit score significantly with each one. Their online dispute for inquiries only offer XXXX options which are fraudulent inquiry or did not authorize inquiry of which neither applies. Writing them is a waste of time because no human reads the letters or documented proof and instead an automated system is used which always verifies inaccurate information as correct regardless of what proof you have or if its inaccurate. I have written many times and provided proof of unauthorized inquiry by actual creditor and they sent the same response each time claiming it is verified as accurate. I want my credit score points restored since they have counted each mortgage inquiry separately and lowered my score 3 times and it should only be XXXX inquiry. The mortgage inquiries are within the 45 day window yet Equifax is not going by the rule.
I am receiving phone calls from Monterey Financial, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have contacted them to stop the calls. The looked me up and I do not have an account with them, which they verified! They have no procedure in place to stop the calls and want me to give them my social security number, which I refuse to do, and is my right!
I monitor my credit scored via XXXX XXXX and noticed that Equifax ranking of my credit worthiness had plummeted. I did not sign up for any credit cards, cars, homes or anything that could possibly explain the drop. I went on line and found an email address and phone number. I called and after almost 45 minutes on hold I finally spoke with a rep in another country with limited language skill and other than selling me one of Equifax packages could do absolutly nothing. To date I have spent almost {$200.00} to have various reports and analysis done with NO results ... I just ended a chat session with someone from their web site and was again told to contact the toll free number where I would again spend hours with no help. I asked for an address to write Equifax and was told i had to call customer service. 

Given their lack of security and illogical ways of dealing with issues when brought to their attention I find it dumbfounding that they are allowed to operate let alone be entrusted with something as intimate and vital as someones credit worthyness. 

The only thing that I could see on my report was an inquiry from more than a year ago I didn't recognize and that they have an home I purchased to stay in while in Florida on business and not my home I co-own and have lived in for more than 20 years. Again, I can not find any means to even explain this in writing let alone be so privileged to actually speak with someone from a company doing so much harm to my financial well being.
Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
XXXX is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : *XXXX  XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 *XXXX   XXXX/XXXX XX/XX/2018 I have contacted XXXX  to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My XXXX report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my Experian is XXXX XXXX XX/XX/2018.
My FICO score changed drastically when I viewd the score after making a payment. It stated I had a collection, etc. I printed a Experian free report the number is listed as my dispute case number. Well this report showed no late payments no collections no public records but my FICO went from XXXX to XXXX and I need help in correcting this because all XXXX agencies are doing this and I can not put a stop to this.