WillisBack/dataset-financial-user-claim huggingface dataset:
I have faxed and mailed my state ID card and social security to Equifax consumer reporting agency for three ( 3 ) times asking them to remove the fraud alerts from my credit file. They never remove them. When I contact them over the phone to request it to be removed they just give me hard time by transferring from one department to another and when an agent picks up the phone he asks me over twenty questions to " verify my identity ''. At the end they tell me that they would remove the alerts from my credit file but after a week I receive a letter from Equifax in which they state that they have added an extended fraud alert on my Equifax credit report. And the worst part is that they also notify XXXX and XXXX XXXX to add an extended fraud alert on my credit files which never requested by me. 
It is just waist of time to deal with Equifax. It has been over a month I am sending Equifax letters asking them to remove fraud alerts from my credit report .... 
So far no results ...
On XX/XX/XXXX I received a letter dated XX/XX/XXXX detailing that WITHOUT my consent XXXX   placed a fraud alert on all 3 credit bureaus. Despite my XX/XX/XXXX calls, Transunion refused to remove this alert stating only " special handling '' required, thereby violating the FCRA even though XXXX agreed to process removal to their bureau.
In XXXX I opened a credit acct with XXXX XXXX XXXX. In XXXX I was unable to pay the balance of the card. XX/XX/XXXX was the last payment. In XX/XX/XXXX they sold the acct to XXXX XXXX. XXXX XXXX listed the acct as a charge off/collection. XXXX XXXX XXXX is still displaying that I failed to pay in XXXX and it has it listed as a charge off in XXXX. This is not true. It was sold and closed in XXXX. If this acct is closed why are they still putting adverse remarks on my report. Not only is it listed as a derogatory mark with XXXX XXXX, it is also in collections with XXXX XXXX leaving two negative marks on my report. I have contacted both Expirian and XXXX XXXX XXXX,. XXXX XXXX said they sold the acct to XXXX XXXX and to contact them..SO not only are they putting adverse remarks on a closed acct but they are listing this debit as two different debt. It is not.
My XXXX saving account was levied by win law group, XXXX receivable went to court on judgement and XXXX XXXX XXXX bought the debt from??? XXXX XXXX is original debtor. the debt is old, over 7 years old and it is not on my credit report. I was not notified at all, I have been at new address 4 years, they say they sent notice to my old address. I have been at same job for 17 years. I have had same phone # for many years. I am XXXX XXXX XXXX. They took all my life savings, XXXX dollars. Is there help for me.
My wife and I relocated to XXXX, Colorado in early XXXX this year. We submitted an offer on a house in XXXX XXXX and started the process of mortgaging it through Bank of the West. When the mortgage seemed to stall, I asked why and was told the appraiser issued a statement that the house we selected was so remote and surrounded by mountains that there could not possibly be a comparable. Strangely, the house is located within the XXXX city limits. After the appraiser made that statement, the bank selected another appraiser, who showed up to look at the house the evening she was selected and then went dark. The bank told me that because of federal law, they are unable to speak to the appraiser and therefore were unable to determine when the appraisal would be complete. The delay resulted in the bank telling me they were unable to close on the date near the end of XXXX, XXXX originally selected. They pushed the closing to XXXX XXXX, but told me they had no way of knowing whether they would be able to close on that date either. As an alternative, the bank recommended that I pull sufficient funds to pay cash for the house from my IRA and then proceed with the refinance process, which would be at a higher interest rate. I said I would wait a few more days, but if I had no alternative to using IRA funds, I would pursue the remortgage process through another bank. On XXXX XXXX or XXXX, we closed on the house using cash from my IRA. I immediately pursued a refinance through another bank. They selected a new appraiser who came to the house a couple days after we started the refinance process. He warned us that he did not think the house was worth what we paid for it. When the appraisal came back, the value was {$19000.00} less than we paid for the house. I called Bank of the West and our realtor and told each of them my greatest fear in closing on a house without an appraisal in hand came true. We had to come up with an additional {$19000.00} to close on the house in order ensure we had 20 % down on the house. If this experience was related to requirements of the Dodd Frank Act as I was told by the bank, I am very disappointed because it means we were punished by federal law rather than protected by it. If, on the other hand, Bank of the West did not do what it should have done to ensure our loan closed on time, I believe this situation needs to be checked into. If the problem is related to issues with appraisers in Colorado, I would like to have that checked into. I have owned several houses in different states and have never had an experience even approaching this one.
My Credit report ( s ) are showing a past due unpaid balance on an account that has been paid and satisfied. For several months I have been in communication with XXXX and they promised me they would update my report ( s ) and as of today, XXXX XXXX, 2016, they have not. This situation is compromising my financial position and I want this corrected as soon as possible.
Diatech is trying to collect over 35 thousand dollars from me on a home that was foreclosed on in XX/XX/2009. I have heard nothing from them until recently when i received a letter stating they were going to garnish my pay. This was a " bad '' loan and i actually a letter the Missouri Attorney General. I would appreciate if you would please help me in finding a resolution to this situation.
I subscribed to the XXXX based credit monitoring system Credit Check Total. When I logged in today to check my credit report my score had dropped by XXXX points. I investigated further to see that a collection had been added to my credit report illegally. I am unaware of this account and I was not notified by mail or phone concerning this alleged debt. Because I was not sent a dunning letter I was not able to exercise my right to dispute this alleged debt. This company has completely violated my rights under the law. Additionally, the account is listed as closed. Why is this illegal account on my credit reports. I would like it removed illegally.
My mortgage was behind because I was working part-time and then lost my job. Florida 's Hardest Hit payed the past due, plus 12 payments. The loan was in default again because I still had no income. I was told that I didn't qualify for modification without income. Once my social security XXXX was approved I applied for modification. I was told that I needed to pay the past due amount so I did. I was then told that I didn't qualify for modification because I was not past due. I was then told that once I begin making partial payments I would fall behind again and would then qualify. I contacted XXXX for assistance but Seterus would not speak to me with them on the line, so I spoke with Seterus on my own. I only had a few days to make a decision and I was sick with the XXXX. I later realized that my interest rate remained the same, my payment was reduced by a minimal amount and my loan terms were extended an additional 30 years. The original mortgage was 30 years and I have approximately 20 years of payments. I would like to know why the modification ( which I thought was designed to benefit me as well as my lender ) has left me with a 40 year mortgage. I called on XX/XX/2018 and asked for an explanation of the terms of the modification.
Charged another overdraft fee for a XXXX overdrawn balance overnight. Subscribed to overdraft protection through a linked credit card. Overdraft protection was not provided. Was assessed a XXXX XXXX fee for being overdrawn, even with overdraft protection in place. One again, transactions were ordered in order to facilitate an overdraft. 

Completely nonsensical issuance of the fee. Balance was allegedly negative XXXX, but with the overdraft fee, the account was only overdrawn to negative XXXX XXXX, thus indicating that there was a positive balance in the account. This is wholesale fraud and clearly the result of reordered transactions. 

The account was not overdrawn, since a XXXX penalty only resulted in a negative XXXX balance.
I have a dispute with chef systems for an nsf check dated XXXX XXXX XXXX. My ssn is XXXX do XXXX XXXX XXXX. It 's in the amount of XXXX from alliance bank. I have never had an account through then and I want proof of this check and who it was made out too. That 's part of the verification of debt. I want a copy of this check and something with my signature agreeing to pay any fees associated with this company
XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX  XXXX   {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
On XX/XX/XXXX, I attempted to book a flight with Delta on delta.com. Delta runs a credit card promotion with American Express, which advertised that I could receive {$200.00} off my  flight if I applied for the account. I did apply, and was a approved. The {$200.00} credit was not applied to my statement. I called Delta, and they directed me to American Express indicating that they would give me a temporary account number to purchase the flight, and the promotional rate would be applied to the card statement. 

Delta then transferred me to the Amex customer service, where they claimed that since this was a new account that I would not be able to access or close the account until the next business day. This is a clear bait and switch promotion, and is extremely frustrating to deal with.
During an inquiry about buying a home the potential lender informed me that my FICO scores were not high enough because Debt Recovery Solutions recently opened a new collection dated XX/XX/XXXX for XXXX. I have NEVER received a single notification of this debt so I called them and asked them what it was for. I was informed that it was for XXXX during the periods of XX/XX/XXXX to XX/XX/XXXX. I asked him how to get rid of it and she started screaming at me that the only way to get rid of it was to pay it or they would sue me. This is the second time they are reporting it with different dates to different bureaus. They reported it inaccurately to XXXX as originating in XX/XX/XXXX and last activity was in XX/XX/XXXX. For that account and the new one they have not allowed me to validate the debt to inform that that it is way past the Statute of Limitations and that I did not agree with XXXX 10 years ago. They have re-aged the account to make it look like it just happened in the last 3 months and it dropped my scores.
I noticed that Equifax has removed my XXXX Credit Card off of my report without my permission and has dropped by credit score and credit rating. I did not authorize removal of my credit card.
What do you think would be a fair resolution to your issue? 
should have forbearance from XXXX to XXXX ( when I became employed ). 

Then from XXXX, I would be due the outstanding balance and be back on my original loan. 

However, Freedom Mortgage failed to process my forbearance. Instead, they are restructuring my loan at a higher rate and with a higher principal to capture the amount that should have been on forbearance because they failed to process my forbearance in a timely manner in XXXX. 

I requested the forbearance in XXXX and the forebearance should have been processed in XXXX before I became employed in XXXX. However, due to Freedom Mortgage 's negligence, the forbearance was never processed and instead, Freedom Mortgage is restructuring my loan since we are now in XXXX. 

Please process the forbearance with a date of XXXX and update my accounts. 
Please send me the full amounts due as of XXXX XXXX, 2016 and I will issue payment. 

Then I will be back on my original loan with the original principal and interest rate rather than the inflated principal and interest rate as a result of Freedom Mortgage 's negligence. 

Once the forbearance is on my account, then the credit bureaus will need to be contacted to revise my credit scores since I am not past due but in forbearance. Then my credit will be better so I can move to another lender in a year. 

Right now, because Freedom Mortgage has failed to process the forbearance and is moving to a loan restructure, I have a more negative credit as a late payment rather than loan on forbearance. This makes it impossible for me to move to another lender in the future and forces me to remain with Freedom Mortgage at a higher principal, higher interest rate and in a loan restructure I did not consent to. 

Had they processed the forbearance request in a timely manner, then I would just pay my amounts due as of date of first employment and be back on my original FHA loan. 

Freedom Mortgage is using their own negligence to force me into a new loan with them and exclude me from being able to borrow from someone else and get away from their unprofessionalism.
Tower Loan has pull my credit report without my permission, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and many time before those dates. I dispute it back in XX/XX/XXXX but was unsuccessful. Now it look like they are going to start pulling my credit report on a monthly basic like they did many time before. The last time I apply for credit was on XX/XX/XXXX and it was with XXXX/XXXX.
Experian keeps re-validating a charged off credit card debt since 2009 by allowing original creditor and the collectors it sold debt to renewing and changing the charged off date to be current instead of 2009. The debt is already past the statute of limitations and also the credit reporting time but credit bureau re validates it every year so it shows it just got charged off contrary to 2009.
In XXXX 2015, during a business trip, my Capital One CC was comprised. Almost 1k in transactions appeared on my account. Until recently, I was satisfied with Capital One 's resolution. Apparently, during the fraud investigation, my account was inadvertently credited twice for the fraudulent charges. At that moment, I nor, Capital One caught the error. Capital One caught the error and sought to resolve which is their right. However, its been 5 months since the original occurrence and I thought it a closed matter. How Capital One handled the error, is the reason this form is being filed. On XXXX XXXX - the purchase adjustments were made to my account. At first glance, when I reviewed my account, I thought the card had been comprised yet again! It was only after speaking with the customer service representative that the issue ( as described above ) was revealed. He advised a letter was sent to me on XXXX XXXX, 2015 advising of the adjustment! My ire stems from the fact, they should have notified me BEFORE any adjustments. Its been 5 months and to just randomly charge someone without knowledge is more than a little inappropriate. Never mind, there was XXXX transaction that was later determined to be legitimate. It was adjusted on my account on XXXX XXXX, 2015. I have now paid 2x for this service due to this error.
I filed a dispute with Equifax Conf. # XXXX I got a letter with the Credit File Date of XXXX XXXX 2017 this letter indicated that the dispute was completed and the results of the Dispute indicated that all three  collection accounts resulted in being deleted from my credit report being Acct # XXXX, Acct # XXXX and Acct # XXXX However only two of the three accounts were removed from my credit file and account # XXXX still remains on my report after receiving this letter I called and the only option I was given was to file a new dispute. I believe this is a direct Violation of my rights based on the fact they all ready sent me documentation that the account was removed when in fact it still appears on my credit report.
I was told in the past that I would have a 10 day grace period when making a payment on my credit line. 

Please don't tell me I have a grace period when in fact I do not.
I have been making payments for 10 years. the first three years have n't counted toward my public service loan forgiveness program because I was on the wrong payment plan and was n't informed. When i found out how it works around 2013 I got on the income based repayment plan and paid what I believe is XXXX $ toward my 10 years for the public service loan forgiveness program. Now I am being told that I cant count any of that towards my 10 years because they did a consolidation on my loans. This is unfair. I am not even sure why they did the consolidation as there was no real benefit to me and also I was NEVER informed that would cause me to lose out again on money I paid going toward my loan program. I would have been on the lower monthly plan if I knew it wouldnt count- this is unethical and would like it resolved.
Is CFPB or any other government agency planning to file suit against Equifax? If these credit monitoring companies including Equifax took ownership to collect all the critical and sensitive personal data ( PCI/SPI/CPNI/RPI ) they should accountable for the security breach. The following article shows how irresponsible Equifax is which not only needs tougher law and punishment but rather govt should shut down these agencies ASAP [ XXXX XXXX XXXX XXXX ]. These companies are just skimming money from the consumers and do not stand up to protect consumers privacy.
I applied in XX/XX/2018 with Caliber Home Loans for my second mortgage. I paid the 3 payments and sent back the permanent paperwork to them. They never permanently modified my loan, and required for me to reapply, which I did.-I was approved again, and made the three trial payments and once again returned my modification agreement. 
I received my second mortgage bill which prompted me to call Caliber Home Loans. I asked WHY I was receiving this bill if I was permanently modified. The answer to my question was that I did not return my first loan modification paperwork.

I never applied for a first loan mortgage modification with Caliber, nor do I need one. I do not think they know what they are doing. I have worked with them previously in the past, and I was NEVER required to modify both loans at the same time. 

Unfortunately, it is excuse after excuse with this company. I was now told to call Friday if they are going to accept this modification without REMODIFYING my first mortgage that I never requested.
Subject : Complaint Hi we have an auto loan with Chase Auto Finance. I would like to file a complaint. When my husband became ill and out of work we began missing payments. We contacted them and there was little they could do. We sent payments as we could. I got enough saved up to pay the balance that was due per my XXXX statement due in XXXX. It's was roughly {$2100.00}. There was no indication on the bill no phone call no notice of repossession. They came on XX/XX/XXXX and reposssed with no notice at all. As of today we still have not received any communication and have no idea what's going on. I tried calling to say this is a misunderstanding etc and they were not sypathetuc and said oh well our only options are to pay the total loan balance of XXXX within 15 days plus storage fees etc. I feel like we were not treated right nor was anything communicated to us. There is no way we can come up with that money in 15 days so will likely just let the car go. The car was a lemon so I am not too distraught about it although it will kill our credit. I just would like some answers because of the way this was handled. If they had called I would have paid the balance but was waiting for the XXXX due date. Thanks so much XXXX
In XX/XX/2018 I attempted to log into the Toyota Financial Services website and make my monthly payment prior to a trip I was leaving on. The website would not allow me to make the payment without accepting their news terms of service, but I did not realize the payment had not been made until I received my XX/XX/XXXX statement. I immediately made two payments on XX/XX/2018. They reported me 31-60 days past due and it dropped my credit score from XXXX to XXXX. I attempted many times to speak with someone and I always end up on hold for up to an hour before I finally hang up. They are refusing to fix anything on my credit report and this will hit my pocketbook harder than I prefer by having a poor credit score. They are only interested in explaining the extraordinary efforts I should have taken to get them the payment regardless of the change in terms of service.
I took out a private student loan from JPM Chase inXX/XX/XXXX orXX/XX/XXXX. I began making monthly repayments in XX/XX/XXXX but towards the end of XXXX I stopped receiving bills from JPM Chase. In hindsight, I believe they must have been using an outdated address in mailing out my bills. But given that I was in the process of getting reenrolled in college around that same time, I assumed my payments were simply placed in deferment/forbearance, as my other lenders do when I am active in school. 

It was not until I received an actual phone call in XX/XX/XXXX that I was alerted to my account apparently being delinquent, and being escalated to collections. I did not even speak with JPM Chase directly, but rather a representative from the debt collection firm had contacted me. He informed me that I did not have any option to resume monthly payments with JPM Chase, and that I MUST pay the outstanding balance in its entirety. 

I did not have the means to do so, and therefore I was compelled to take out a personal loan with my employer 's credit union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in order to pay off that balance, and I have diligently been making my monthly payments to the XXXX XXXX XXXX XXXX since XXXX. However, JPM Chase is still reflecting in my credit file as having delinquencies and as having been charged off and not paid in full. However, that is inaccurate - any lateness or delinquency in payments was due to not receiving bills from JPM Chase. And once I was directly contacted, I immediately acted and had the loan balance paid off in full through another personal loan, and have been keeping my monthly payments with that new servicer.
" " '' I have disputed this collection XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''