WillisBack/dataset-financial-user-claim huggingface dataset:
I am unable to do a temporary lift of freeze of my equifax credit report either online or via the automated phone system. The only way I can do a temporary lift has been to call the credit freeze department and they will offer to manual do this themselves for me, but they are unable to help me make the online system or phone system work when I try to use these systems. I do not want to have to contact the credit freeze department each time I need to do a temporary lift of my credit freeze, because they have made mistakes when they have done this service for me in the past. Also, their service is only available during normal business hours and not XXXX. Lastly, according to law, I should have the option of lifting my security freeze via phone automated system or via the online system. 

Please note I have done numerous things to solve the problem including calls to equifax corporate office XXXX ; Calls to the credit freeze department XXXX, calls to the consumer service office XXXX, calls to the equifax complaints office XXXX, and numerous other numbers. I have spend hours on the line without receiving effective help.
XX/XX/XXXX i saw an account in my credit report from Security Credit Services. I called to inquire they said it was a XXXX account belonging to my ex wife of which i was authorized user. I ask for info to call XXXX and i file a dispute with both company because i never had any joint account or was i any authorize user on her account. They said they mailed the info to me, any way i check my report again and the account was removed, so i left it as that. Late last year the account returned to my credit file, so they deleted it to prevent me from disputing it and put it back hoping i would n't notice the put it back. i called security credit services again spoke to XXXX XXXX every time i called they were transferring the call straight to him. He ask me if i file a police report i said no, you never send the info. i went to the station to file a report they told me i need teh account number, name of who open the account, when the account was open and close and the address where the account was open. I called XXXX XXXX back told him what they said i needed he said he would send it. And when i call XXXX they 're telling me they don ; t have any record of sending my name to collection and they do n't have any outstanding account with my name on it. XXXX XXXX said they returned the account to the original lender i called XXXX, nothing i called back he give me a number for another collection agency saying they bought the account from them. And they kept giving me one store after the next. Today XXXX/XXXX/XXXX i called still trying to get the info on the account spoke to XXXX again she 's telling me the account was returned to the original lender, saying they did send the info to the address where the account was open when i give XXXX XXXX my address to send the info. I hang made some more calls and call again this time XXXX said the account is pending to be returned to the original. So they 're lying about who have the account and wo n't give me the info to dispute it with XXXX.
I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. 
There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Completed a chapter XXXX bankruptcy in XXXX. have sent in XXXX payments since and requested a statement every month. No statements or correspondence. No year end XXXX interest statements either. I am concerned that this lender is doing this deliberately. Previous to this situation this lender took over for the original lender that closed.I am also concerned the balance owed is not right.
A summons with someone of a similar name as mine is being reported on credit report from 2010 when I was XXXX XXXX XXXX
My wife & I are currently homeless. We are trying to find an apartment, a home, a mobile home.. anything.. but they all run a credit check.. As of XX/XX/XXXX a judgement has shown up from an eviction that happened 5-6 years ago. My wife went in my place to court regarding the eviction. She spoke with the judge & the attorney representing the apartment complex.. my wife explained our situation.. I was having a mental breakdown.. their attorney informed my wife if we were moved out within 10 days they would not file a judgement for the reminder of the lease. We were out before the 10 days was up.. 
Now there is a judgement on my credit file.. I have Never Ever been served. 

On XX/XX/XXXX at approximately XXXX EST I called the original creditor who said, call this number, I called that number & spoke with a woman who said I needed to call so & so at this number.. 5 calls later, 8 total, I was told to call their debt collection agency.. 
I called IQ Data International to set up a payment plan, but when I asked the female debt collector about the balance due, she said that she couldnt provide the balance information unless I gave her my bank account information and set up automatic withdrawals. After several minutes of going round & round, I explained that I know the laws regarding debt collection, seeing as I was a debt collector for 15 years. 
I finally got the balance of {$2600.00} but the original judgment on my credit report says {$2200.00}. The debt collector couldn't explain the discrepancies in the amount. 
When I suggested alternative methods of payment, the debt collector was rude and said that company only accepts payments on " its '' terms. 

When I asked to speak to a supervisor, the debt collector told me that she was the supervisor and then threatened to mark my account as refused to pay, and threatened to take legal action against me! I explained I love in SSI & you can't garnish that. She claimed she can garnish anything, watch her!! 

When I said that I was willing to make a payment, but wasnt comfortable sharing my bank account information & would feel more comfortable mailing in a money order the debt collector hung up on me!!! 

IQ Data Internationalviolated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior ; by using false, deceptive, and/or misleading representations or means in connection with debt collection ; by misrepresenting the character, amount, and legal status of a debt ; by threatening to take legal action without actually intending to do so ; and by employing false and deceptive means to collect a debt. IQ Data International violated my rights under the Fair Debt Collection  Practices Act. 

I am in the process of figuring out how to file subsequent claims with the Michigan Attorney General, the FTC, the CFPB, the XXXX XXXX XXXX & any other agencies that I can file a complaint with.
On XXXX/2017 I was admitted to the hospital with a XXXX. for the next 2 days I was very much out of it not even knowing what day it was or what was going on around me from all the XXXX I was given. was released on XXXX/2017 around XXXX. When I got home and realized I could n't find my debit card I right away called customer service reported it stolen and told them ( I have a Netspend prepaid card ). I had the card cancelled and a filed a dispute over the transactions that had occurred during my hospital stay. I was told 7-10 business days. So I waited. This past Tues XXXX I called Netspend to check the status and was only then told that a letter stating the claim # and Ref # and all charges being disputed had to be submitted. I sent the letter as requested. On the 10th business day which was Friday XXXX/2017 I again spoke to customer service they were not very helpful so I asked for manager. I explained the situation again and he looked over my file. He said that no provisional credit would be loaded to my account because their dispute dept. had decided that I had benefited from these transactions. I am out XXXX and have had to make multiple calls and been put on hold for long periods of time. I was never asked for any other documentation except the dispute for letter with the dates and claim #. On Friday XXXX/XXXX/2017 in late evening I received a response stating no provisional credit would be applied to my account. I again called and s poke to manager who sent an e-mail to that departed requesting the reason and what documents did they base this denial on. I ask how could they deny something like that when I was admitted thru the ER not even knowing what day it was. I have been a netspend customer for several years. I have never filed a dispute before. This has been such a hardship on me that when I was released on XXXX/2017 and learned of my card which only made things worse as I was released in the am of the XXXX and ended up being readmitted. I asked how I could have benefited from these unauthorized transactions seeing as I did n't even know what day it was nor could I have been at any of the locations where my card was used. The manager did not have an answer for me. I have never been treated in a way that has made me feel insignificant. The cameras at the ATM s will clearly show that I was not the one removing money from my acct. I am beginning for some help with this issue. The are FDIC insured which is set up that way specifically to help customer If these things happen to their money to protect their money I would like some help resolving this issue
After checking my credit report I noticed National Credit Adjusters , LLC is reporting a negative account. This is not my account and is fraudulently being reported to my credit report. I immediately called them and talked to a XXXX who claimed that they account was sold to XXXX XXXX XXXX XXXX XXXX but the problem is National Credit Adjusters , LLC are the ones reporting this negative mark to the Credit Bureaus. XXXX then told me that her XXXX XXXX will look at this account and delete it as it should n't of been reporting.
Transaction from XXXX on XX/XX/XXXX an online order for pickup was placed for {$170.00}, the item was for a car seat system. When I went to the store they tried to sell me a used item, I cancelled the order pick up and never received a return. Capital one stated XXXX said I made the online order and never sent them proof that I even picked up the order or returned the order. Capital one has refused to investiage any further and sided with XXXX. XXXX never gave me a return slip since I cancelled the pick up and I would receive an email. I do not have the car seat system and XXXX states the return was processed and capital one needs to return the money.
COMMONWEALTH FINANCIAL SYSTEMS {$620.00} XX/XX/2018 I tried to dispute it with XXXX because it just was posted on my credit report. I tried calling the company and they were very rude and non responsive and threaten me they were going to sue me if I didn't pay the amount above or more.
NES requested balance was $ XXXX settlement amount with NES balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept NES {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX
CONSUMER PROTECTION COMPLAINT : XX/XX/XXXX This is the follow-up of our complaint of XX/XX/XXXX ; the mortgage company did sent letters in XX/XX/XXXX regarding the {$16000.00} escrow payment and a balloon payment of {$240000.00}. In that letter from Mortgage Company it only repeated what I already knew. However, this issue has not been resolved the mortgage company is ignoring my request to explain why??. This is not a newly financed mortgage so I do not understand when did the terms of my mortgage changed. Why do we owe {$16000.00} escrow? Why do we now have a {$240000.00} balloon payment? Why is this happening when California has a program save my home affordable housing program or HARP? Please, we just want answers ; therefore, can someone please, please help us keep our home.??
XXXX XXXX XXXX was Deleted because I disputed them on late payments to all XXXX credit Bureau. I disputed them because I was never late on a payment so they removed my history and I have been turn down for new credit card to transfer balance and new line of credit due to no credit history insufficient credit history not enough credit information from my own XXXX XXXX and XXXX who I am a active member now. My loan with XXXX XXXX was for 5 years the loan has been pay in full. God bless you and your Family!
I had an account with Kay Jewelers and it was discharged through chapter XXXX bankruptcy in XXXX XXXX. On my XXXX dispute it continues to show a late payment for every month starting XXXX XXXX - XXXX XXXX. This is completely inaccurate considering I was in active bankruptcy from XXXX XXXX - XXXX XXXX. I have disputed these late payments with XXXX and the creditor both with no resolution so I am now submitting a complaint with your office.
Select Portfolio Servicing is the mortgage servicer of the loan that we have with XXXX XXXX as the note holder. My wife and I received a federal loan to help us decrease our loan because we were upside down and we received a mount for XXXX that was sent to Select Portfolio service to put toward the principle. Once they did receive the check we asked if they could reduce our monthly mortgage payment and they said, " No. 
They claim that they had already done amortization and that they could not lower our payment. If they only service the loan then why are they acting like a bank and making decisions for XXXX XXXX. They SPS are taking in money for banks and modifying loans but they claim not to be able to lower monthly payments for the consumers that in up with this loan servicer. How can this be and this has to be illegal. So many consumers have had similar issues with SPS and they should not be allowed to be in business. 

Thanks, XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX
I opened a XXXX credit card with Comenity bank in XXXX XXXX. Since opening I made two purchases on the card. The first payment for {$120.00} was made on time. They did not give me an option to sign up for automatic payments so I had to manually make the payment. 

I made a second purchase for {$29.00} on XXXX/XXXX/XXXX. I assumed the account was on autopay and did n't check to make sure the bill was paid. They had sent me emails but I did n't check them. I got a call from them on XXXX/XXXX/XXXX asking me to pay all outstanding balance. I told them I missed the payment assuming it was on autopay and asked if they can reverse the late fee of {$29.00} XXXX at this point my payment was {$29.00} purchase + {$29.00} late fee ). They responded rudely and said they 'll report the account as " not intending to make a payment ''. I was frustrated with the experience but I paid off all outstanding balance XXXX {$58.00} online payment ) and closed the account. 

I received an email on XXXX saying there is a balance of {$34.00} on the account. When I checked, I see a new late fee charged on XXXX for {$32.00} and another {$2.00} fee on XXXX. All this had been charged after I paid all outstanding balance on XXXX. I called them today and they said I need to pay all outstanding fees otherwise they will continue to charge me more fee.
Experian is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with Experian on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Experian is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,
XX/XX/XXXX, I contacted you about a problem I has having with Wells Fargo. The complaint number of my previous complaint was XXXX. The basis of my complaint was that Wells Fargo was reporting a collection balance on my credit report for a defaulted auto loan. This loan is not my responsibility. It is the responsibility of a couple by the name of XXXX and XXXX XXXX. I even uploaded a copy of the court order, which clearly started that the Capps were responsible for the defaulted account that appears on my credit report. Within a few days of filing this complaint, a lady named XXXX XXXX responded, and stated that she needed my address at the time the account was open, the last four digits of my social security number, and my date of birth. I responded with that requested information through the complaint portal, and I also postal-mailed the response directly to XXXX XXXX at Wells Fargo. I have also left her voice messages, but she does not return my calls. At this point, almost 2 months have past, and we have yet to have any response ( whatsoever ) from Wells Fargo. Meanwhile, they continue to report this fraudulent collection account on my personal credit report.
Called by RGS Financial for my wife. Unsure how they got my number. Asked for my wife. I stated she was n't at the number called. They asked if they knew how they could reach her. I told them to give me a phone number where she could call them back. They refused and said they would try to find her by another means and hung up abruptly.
Champion Mortgage Insurance Dept XXXX. XXXX XXXX XXXX XXXX, TX. XXXXXX/XX/XXXX COMPANY OBTAINED INSURANCE POLICY FOR ME WITHOUT MY INSTRUCTION TO DO SO. 
My condo insurance master policy covers my insurance requirements and our insurance agency faxed the insurance policy information to Champion on 3 dates last time was XXXX. 

they are charging my account {$690.00} for a policy they obtained and if not paid I would be in default.
I had an apartment lease with XXXX ( XXXX XXXX XXXX ) and my lease was for 14 months. Throughout that lease I had been late a few times so the company decided not to renew my lease. They sent me a letter around XX/XX/XXXX/XX/XX/XXXX ( no longer have letter ) stating they were not going to renew my lease due to several late payments so I decided to move in XXXX XXXX. My lease expired on XXXX/XXXX/XXXX ; I moved out on XXXX/XXXX/XXXX which was the same day they served eviction papers for me to exit premises. Since I was unable to renew my lease with Villages of XXXX, I decided to not pay my rent for XX/XX/XXXX and move into another apartment. It didnt make sense to pay rent for XXXX apartments if I knew I was already moving out of XXXX. I needed the money to move into my new place and since they were not renewing my lease it was only right to find another place. So the day they served eviction papers, I was actually moving out of the apartment. They stated I had to write them a letter that I was leaving but I was unaware of that. My mother and I spent the whole night cleaning and movig out the apartment ; the leasing office stated I didnt clean the apartment which is not true. They took pictures of unvacuumed carpet and crumbs left in the stove and a hard water stain that was stuck in the tub ( which was there when I moved in ). I even brought that to maintenance attention when I first moved in plus it was a disgusting garbage smell from the sewer system. Maintenance stated that the stain was old and the smell was from the apartment sitting for some time. Now I have this eviction listed on my credit which is prohibiting me from finding housing. I moved because they stated they was not going to renew my lease so to make matters better for myself I decided to just go. Prior to me moving I received a letter from the leasing office XXXX XXXX stating that I owed them for XXXX XXXX rent that had been reversed. As an early XXXX gift, my rent was payed by a friend and I didnt know it had reversed until I received the letter. Now I owe for XXXX XXXX rent, cleaning fee, XXXX XXXX rent, and breaking lease. I dont understand why it took 2 1/2 months to see the reversed payment and I did clean the apartment but they say I did not. I would like some resolution to this please. I also have pictures of the apartment.
I opened a savings account and money market account at Capital One bank within the past year. There have been numerous problems with transferring funds and I have tried to address these by going into branches and calling their service departments. I continue to receive the run around and requests for escalations have taken weeks to get a response.
In XX/XX/2005, XXXX XXXX XXXX, XXXX attempted to foreclose on us, using a forged promissory note. The case was dismissed. Thereafter, 21st claims that through a series of transactions, they acquired the note and mortgage. With actual knowledge of the fact that the documents were forged, they have now refiled a new foreclosure action using the same forged documents. That they filed the forged documents in the official records of XXXX XXXX County, a FELONY. When we learned they were attempting to use the forged documents, we notified them to cease and desist ; and during the 30 day debt dispute period, disputed that the money was owed on the forged documents, and further, provided them with the police 's experts report clearly showing that the documents were forged. They continue to maintain the foreclosure action based on the forged documents after the first case was dismissed AND they refused to respond to the qualified written request, stating that it was too burdensome and therefore refused to answer any of the reasonable questions asked therein, including proof that they paid value for the forged documents, or whether they were aware that the documents were forged, and I provided them a copy of the forgery affidavit along with the QWR they refused to fully respond to. They are in violation of the CFPB 's prohibition against DUAL TRACKING AS WE ARE UNDER LOSS MITIGATION ATTEMPTS WITH THEM IN A REASONABLE EFFORT TO REDUCE THE STRESS ON MY SPOUSE, and while in loan modification negotiations, they served my wife with foreclosure papers, using the forged documents, at her work. They need to be severely punished, and the individuals who suborned perjury need to be arrested and put in jail for committing a felony. Ask them if they knew the documents were forged, If they say no, then show them the attached report from the prior case and affidavit from the forensic expert who is regularly hired by the local constabulary and already a matter of public record and a matter of record in a case that they themselves dismissed. They were aware of the forgery, had actual knowledge of the same, and used the forged documents in a new case. They need to go to jail.