WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is specifically with Experian. First of all it is impossible to talk to a human being, I tried several times and even tried a hack on the Internet ( pushing XXXX instead of XXXX ) and none of them work. I tried to temporarily lift a freeze on my bureau so I could apply for a loan. I tried online and it refuses to accept my User Name and Password ( I know it is correct because I wrote it down and place in my safe when I put the freeze on ). When I ask to have my user name emailed to me it accepts but I never receive the email ( requested XXXX times over the past 12 hours ). I call the " Customer Service '' number and I get a machine. The machine permanently removed the freeze instead of temporarily suspending it. I tried to fix and since it is impossible to talk to a person I was unable to do so. This company needs to be put on your hit list to fine billions of dollars like you do the banks! At least banks have a customer service department that tries to actually help their customers. Credit Bureau 's seem to think they are immune to any sort of responsibility to their customers! This has got to stop!
I contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX collection account, XXXX XXXX and XXXX XXXX.
XXXX XXXX purchased a XXXX XXXX Debt but failed to give me a proper notice in regards to the way this account would adversely affect my credit report nor did they give me the opportunity to resolve it before they credit reported. 

I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed.
Hello dear CFPB I am writing to assist me to reopen my closed business account with bank of america which has been closed without any serious bases. 

I opened XXXX XXXX business account very long time ago with credit limit {$16000.00}. I did not use a lot just small purchases but recently i gave one merchant my card just to hold not to charge nor i gave authorization to charge but in my surprise they charged my card {$7400.00} without my consent, when i noticed the charge i called bank of america and immediately disputed the charge because i did not allowed them to charge and also i did not want to spend 45 % of my available credit in one card when i have more then {$32000.00} in my checking account with bank of america i can pay cashier check or by check if it's necessary. Long story short today i wanted to use my card to pay for XXXX XXXX membership and my card was declined, I called bank of america and was told we have decided to closed your account because in first they said i used my account very aggressively not as usual but i explained situation regarding charge was not authorized and that i opened dispute then i was told i have no installment loan and i answer them i was approved this card and had more than year without installment loan why now its necessary to close my account ... Than i ask to speak with supervisor to ask him to reconsider to reopen account his name if i am not making mistake was XXXX XXXX i again told him i am very dissatisfied and i think it's not fair and very biased to close account without bases for customer who has fico score above 770 based on XXXX XXXX XXXX XXXX  and has great income and never missed payment and has {$32000.00} in deposit with bank of america to close account. he put me on hold and came after 10 minutes and said again in my opinion very baseless reasons about my credit like supposedly i have not enough established credit and no installment loan and again my answer was same that i was approved maintained this account in great status very long time and i have above 770 score fico score in all 3 biggest CRA and never missed payment and overall maintained great relationship with bank of america. His response was robotic answer that does not applies to my situation. I think maybe there is some prejudice or bias towards me because i can not find one real reason why would my account be closed when every factor of my credit and spending and depository situation is perfect. Please CFPB assist me to reopen my account with bank of america and have great business credit.
XXXX XXXX XXXX XXXX XXXX XXXX, C/O RESURGENT CAPITAL SERVICES XXXX   XXXX XXXX XXXX, SC XXXX is the collection agency attempting to collect on a " Re-Aged '' account. There has never been any activity on this account but the collection agency sought to make it appear falsely to have recently had activity to falsely make the debt appear to be current. they falsely claim the debt Opened, XX/XX/XXXX ( 6 mos ) when in fact the debt was originally with XXXX  XXXX XXXX XX/XX/XXXX and was successfully resolved with them verifying the debt was not owed, and then removed form the credit report. XXXX purchased the file ( probably along with numerous others ) and sought the action without verifying the debt was owed. 
I contacted the collection agency and demanded verification of the debt, I contacted the collection agency and demanded the proof the purchased the debt, I demanded the collection agency remove the debt form negatively affecting my report. I filed these documents directly in writing over 3 mos ago and they have failed to respond timely as is required, and failed to act upon the duties held under Fair Credit collection act. 
I wrote to the collection agency the following : If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have Already done so ), also report that the debt is disputed. 
I also spoke with XXXX who indicates they reflect no such debt outstanding in their records, the resolve with XXXX was that they had continued billing after move out date and stop service notification. The Michigan Public service Commission also helped to resolve the claimed bill owed as I remember, XXXX XXXX The following is appearing on my report : ( XXXX ) XXXXLast reported : XX/XX/XXXX {$160.00} Needs Attention Account status- Open Type -- Responsibility - Individual Remarks : Account information disputed by consumer, meets FCRA requirements
The proceeds of the sale of my deceased mothers home are held in Escrow at Metropolitan Title , LLC [ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ] since the close of the sale on XX/XX/XXXX. At that time I was given a settlement statement. 
Issue # 1 : The estate is still in probate and has not been closed. Because the money in escrow belongs to the estate there are accounting 's that are filed with the Commissioner of  Accounts. Prior to the first accounting which was due on XX/XX/XXXX, XXXX XXXX had been contacted by both myself and the estate attorney on multiple occasions asking for an updated statement with a current balance. Such statement was never produced and the accounting was filed to the Commissioner of Accounts without the necessary paperwork. 
A second accounting is due to the Commissioner of Accounts on XX/XX/XXXX. I have both emailed and spoken with XXXX XXXX XXXX and his staff. He agreed over the phone to send a statement to the Estate Attorney. The contact information to do so was emailed to him immediately after the phone call. Two weeks have passed since, and to date no such document has been received.

Issue # 2 : The proceeds of the sale of the decedents property have been held with Metropolitan Title for a considerable time. There are three joint administrators of the Estate who could not reach an agreement on how to disperse the funds. From my very first phone call with XXXX XXXX back in XX/XX/XXXX he has stated that if the money had not been taken out of Escrow within 1-2 months he would inter-plead the case and it would go to court for a judge to decide. This threat of the case to go before a judge has been reiterated numerous times over the past 18 months with no action taken. On XX/XX/XXXX the estates 3 administrators reached an agreement regarding the release of the funds. XXXX XXXX was immediately notified and by email given names, addresses and phone number of each of the three administrators. Two weeks have passed since this time with no word from Metropolitan Title.
I moved home to XXXX from the XXXX in XXXX 2014. Prior to leaving XXXX, a customer service officer at Wells Fargo cancelled my debit card linked to my account without my consent. By doing so, he restricted access to my funds both via using the debit card and through my online bank account. Fast forward to 3 years later after endless phones and writing letters including signed copies of my passport and all the requested information in order to verify me for security purposes, the bank refuses to give me access to my funds which have been sitting there since end of 2014 and statements of my bank account for the year of 2014 which has resulted in me unable to file my tax return on time. This has incurred a lot of penalties and charges. Their only solution has been to have me fly back to the XXXX at my own cost and come into a bank to resolve this face to face.
PNC Mortgage # XXXX Please understand, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 

We applied for a short sale in XXXX XXXX. It was conditionally approved with a list price of $ XXXX. We then obtained a buyer for that full list price and moved out of the home. All of a sudden, in XXXX we were sent a modification offer, no response on the short sale application. We were told ( through our realtor ) to submit a new letter of intent to PNC Underwriter for the short sale and was told to wait 30-45 days for the bank to convert the system back to a short sale template. That brought us all the way into XXXX XXXX. Then the last week in XXXX, we were sent a denial for all options including mod and short sale. A few days later we were sent a HAMP mod offer again???? Within that same letter it states approved for XXXX ( page XXXX ) and denied for HAMP ( page XXXX ). Which is it?. Besides we applied for a short sale not retention. We moved out of the home in XXXX to accommodate the short sale based on the first condition approval. We are still carrying costs for the subject property and now expenses/mortgage for our current residence. I know those new expenses were not accounted for in our review. Nor do I believe the investor was made to understand that any rental income amount in the subject propertly will never offset the proposed modified payment. 
Our potential buyer is going to request us to cancel the contract and return earnest funds if we do not have a resolution shortly. I do not see any reason this short sale can not move forward and close asap however I can not contact PNC or receive any responses directly and the firm takes a minimum 2-3 weeks to review the status with the client each time. 
Again, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 
Please assist. 
Thank you
I received an offer in the mail form Capital One telling me I was PRE-APPROVED for one of their high interest credit cards. I am trying to rebuild my credit since I have had past problems with medical bills. The Application came with a reservation code and access code, so I thought the offer was legit. 
After applying on-line, I was declined even though the paper said I was PRE-APPROVED and I received a notice that this application LOWERED my credit score that I have been trying hard to improve. 
Not only was this FALSE ADVERTISING and MISLEADING, but it has damaged my credit.
My name and another with the same first name have somehow been mixed up together causing my address to show as hers and her name to show as an alias as well as her past history and associated people to be under mine. My car loan is not being reported to any agencies, it does have my married last name but my social security number has n't changed so should n't it still be reported to my credit? Also there are a lot of charges on my background check that are not mine A LOT! Mostly all of them accutally I do n't know how or why theyre there but this could dramatically effect my future employment and housing approval.
I open an account with Chase Bank on XX/XX/XXXX with a bank draft that was mailed to me from my insurance company with one of the banker inside the branch. Had another deposit in the amount of XXXX from XXXX XXXX ( Unemployment ) and another ACH on XX/XX/XXXX made another deposit in the amount of XXXX form the same insurance company but that check was return for it needed another signature from the bank -- so Chase XXXX XXXX that check back to me for the loan company to endorse. Afterwards I had other check from XXXX XXXX in the amount of XXXX, XXXX, and XXXX which were invalid ( non-sufficient funds ) in which I was charge an enormous fee of XXXX each totaling XXXX so I called that company in which they rectify the issue and sent me another check in the amount of XXXX for that error on their behalf. So on XX/XX/XXXX there was another ACH in the amount of {$310.00} form XXXX XXXX, On XX/XX/XXXX I had an ACH deposit made in the amount of {$1200.00} from the XXXX XXXX XXXX. So there were no more deposits made in XXXX. So beginning XX/XX/XXXX there were some activities in my account in the amount of {$240.00} and a claim filed with the bank for that amount from XXXX XXXX XXXX in which I did not filed any claims of any sort to have any refunded or credited back to my account. I have called the XXXX ( XXXX ) to complain about this and they informed me that someone did it and want me to paid it back, in which I had the same problem with XXXX XXXX XXXX that they were going to charge me XXXX for something that was done fraudulently to my account with XXXX XXXX XXXX . So I have try on numerous occasion to get this resolve and nothing has come from it. Again on the same day there was another transaction in the amount of XXXX, XXXX, XXXX XXXX all in one day. On XX/XX/XXXX there was another transaction in which a check was deposited to my account in the amount of XXXX bogusly in which I will send to show proofs. I made a deposit in the amount of XXXX on XX/XX/XXXX in which I went to the branch to open a new account for the account was compromise on the advisement of an agent from the headquarters for I could not open a new account over the phone. On XX/XX/XXXX there was another ACH that came from the XXXX XXXX in the amount of {$1200.00} in which I had to call in to have that money transfer from the old account to be place in the new account. Also when I called back to headquarters of Chase and was told that I had available funds in the amount of {$450.00} which was done on XX/XX/XXXX by the advisement of the representative from Chase, and now they are demanding that those funds did not belong to me, so I am so confused on this. I have called an pleaded my case and to no avail no one is hearing me, so I need some assistance here in assisting me in straightening this matter out. Now Chase want me to pay back to them {$2000.00} in which I explained that I do not owed them anything and that I will not have any more funds deposited into any accounts that I have with them. 

I will be submitting documents to substantiate the complaints.
Equifax failed to enforce proper security to ensure that my personal and financial information are protected from theft, and thereby divulged my information without my consent. This was reported to me on XXXX/XXXX/XXXX by local news media. I have not taken any action against Equifax. 

In addition, I would report that I completed a credit dispute on XXXX/XXXX/XXXX. Equifax failed to properly follow up on the dispute, and the erroneous claim on my credit has not been investigated or removed.
The company Hunter Warfield is asking for a debt from me and I reached out to this company and explained to them give me a original signed contract with my signature on it stating that this is my information.they sent me back an original signed contract I do n't know where this contract came from with these signatures on it that is not mine someone forged my name on these contracts as well as two other people. I wrote a letter to XXXX XXXX letting them know that these signatures are not mine and can you give me your method of verification how you came up with this information how you did your investigation who you spoke to, and when I wrote the letter to them they did not respond they just sent my information to XXXX in collections also the amount that is on the debt is constantly growing every other week There 's a different amount on my credit report.
sls specialized loan servicing llc mortgage brought my mortgage in XX/XX/XXXX and been making it very hard to pay and then adding late fees when I cant get any one to take payment then when I try to pay wont let me they say I owe next month before it even comes thanks for trying to help
I applied for credit line increase and I was denied because the bank told me that 's I had a previous credit card back in XX/XX/2004 and I explain to bank of Americ I did n't open this card and send me a fraud packet and I never received it and I called again and they could n't find any records that I applied for credit line increase or a credit card I feel like this is n't right nor its fault I currently have the secured credit card and I made all my payments on time and early and I do n't get rewarded for my hard work and they wont increase my credit line I explain to bank of America that my credit score is XXXX and I do n't have any outstanding debts on my credit report I want a credit line increase and they refusing to do so
on XX/XX/2018, a suspicious charge was made on my debit card to " XXXX XXXX XXXX '' for the amount of {$100.00}. apparently, XXXX XXXX XXXX is a vitamin/supplement company. a phone number for the company was included on my bank statement. I gave them a call to dispute the charges, and they mentioned that the transaction was already flagged as suspicious on their end. the only information the company was able to tell me was that the charge came from XXXX. I reside in XXXX. the company told me they would refund the amount. I reported the incident to my bank and immediately cancelled my card. i have also reported this to law enforcement and other government agencies. hopefully, my experience will help reduce, eliminate, and/or prevent this type of criminal activity from occurring.
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/Capital One Credit Car debt. It is being reported as settled. This company has not provided for me validation of the debt.
On    XX/XX/XXXX I retrieve my free annual credit report from Equifax. Looking over the report I identified some inaccurate personal information. Specifically there is a name specified in the " Formerly known as '' field that is completely foreign to me, as I have never used it, or known anyone with the specified name.
XX/XX/XXXX I responded to a petition from Zwicker & Associates suing for old debt. I received no other communication or notification from said company until XX/XX/XXXX, which was a copy of a petition filing for summary judgement on the debt.
Collection reported on my credit report I owe them XXXX. On XX/XX/XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. I received notification that I in fact I owe. The company sent a letter and an itemized bill. I provided them a second certified mail on XX/XX/XXXX again to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I have not received any notification. They inform the credit bureau that I disputed but no other action was taken.
My wife ( XXXX XXXX ) and I were having e-mail communication with our lawyer XXXX XXXX, ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. # XXXX, XXXX , NY XXXX. XXXX ) ). At that time we were discussing bringing to him a check for deposit into an escrow account in order to secure a house purchase contract. Seamlessly and immediately after the deposit instructions, we got an e-mail allegedly from XXXX XXXX asking us to wire the money instead to -- Bank : XXXX XXXX XXXX XXXX Address : XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXX Beneficiary : XXXX XXXX XXXX Co Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX Account no : XXXX. 

Since we had been having smooth e-mail communication with our lawyer for days throughout this real estate transaction we felt comfortable complying with that request. Fortunately, fifteen minutes later, my wife saw our lawyer, XXXX XXXX, ( who she works for part time. ) He said that the request did n't come from him!!. Learning this, she went back to the bank ( Citibank, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX ) as soon as she could to cancel the wire transfer. All this occurred within a half hour.