WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX , based out of Pennsylvania has been a nightmare. I have had an account removed multiple times over the last 2 years and it KEEPS SHOWING UP. It seems like they 're just changing dates or doing something shady. I requested that they verify my debt, which they did n't, and it was deleted from my report. Since  XXXX  of   XXXX   this so called debt has been off and on my report on  6 seperate occasions. Yes, that is 6. It has   appeared as being placed into collections from  XXXX . It was also placed into collections by  XXXX   XXXX   XXXX . Each time, it was removed. Now, it is showing back on my report AGAIN and it is on my   XXXX   and Experian. I am sick and tired of dealing with the credit collection agency fire sale blowback. It is frustrating and causing me financial strain. It is my understanding that if a credit collection is to be re-inserted into a credit report, that I am to be notified by A. ) the collection agency. B. ) The credit bureau. That is a federal law, am  I right? Becuase I have not received not one  shred of mail from any of these companies in ages. I have not received a phone call from these companies. It just seems like they 're throwing it on, and when it comes off they try again ( without following protocol ). The laws are there to protect citizens like myself, and to be honest I feel helpless at this point. When does it end? How does Experian and  XXXX  justify just letting any credit collection agency post a collection onto a consumers report? Do they even verify? Because if they did, they would find it a little odd that this is now  the 7th tim e the same debt is on the same persons credit report in 2 years. Please, I need help and I am out of options.
Have been charged Late Fees repeatedly month after month for payments that were set up directly with my financial institution and this credit card company was not applying my payment in a timely manner causing a late fee EVERY month. I verified with my financial institution the account number and remit address, both were correct and the payments were mailed in enough time to be received by due date.
In retaliation for filling complaint no. XXXX, XXXX- XXXX  has denied the loss mitigation request. On XX/XX/2018, the servicer requested additional documents. On XX/XX/2018, the servicer sent notice acknowledging receipt of complete application. On XX/XX/2018, XXXX  denies the mortgage assistance request. I have attached herein copy of fax transmittal that proves that the loss mitigation application was received by XXXX  on XX/XX/2018, therefore it would have been impossible for XXXX  to have acquired a complete package on XX/XX/2018, and send to investor for approval. The documents provided by XXXX proves that they denied the application before the application was actually received. This proves XXXX  no good intentions and neither did they review the package for mortgage assistance. This is a question for the Consumer Financial Protection Bureau analyst. Does it make any sense to have a denial letter before you actually send the application, the proof is very clear and convincing. XXXX has denied the mortgage assistance request before the application was even received and has provided deceiving excuses. XXXX  signed an agreement with Treasury and therefore must abide by all Treasury Rules and its directives. On XX/XX/2018, all XXXX XXXX servicer 's particpate on the flex standard loan modification. We meet the Eligibility and therefore request a trial plan asap. XXXX  has engaged in deceiving practices in connection with the mortgage assistance request. Sanctions are appropriate.
I contacted the credit service Trans Union to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to XXXX in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off my credit report.
Tried to access XXXX app to play the lottery. Went to fund my account by signing in to capital one. Capital one is blocking access to my account and I can not fund my account. Not asking for much ... only a few dollars per week.
Very difficult and onerous process to place a credit freeze at Experian UNLIKE both XXXX and XXXX.
Equifax mishandled my personal information including name, social security number, address, birth date, drivers license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I may be affected on their website www.equifaxsecurity2017.com. Equifax has 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 unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
We were defrauded {$5000.00} from the middle of XXXX 2014 to XXXX 2014, by applying for a loan modification thru XXXX XXXX XXXX. That was cash money. We were finally able to speak to a real XXXX modification officer. They in turn, had XXXX XXXX XXXX to handle the modification. We paid them {$4100.00}, and were " approved '' for a loan modification thru Bayview Loan Servicing. We have paid them {$2900.00}. We have been trying to get Bayview to correct our address. We live in DE, they have a CA address. We can not access their online system, saying our loan number does not exist. In the meantime, we have received XXXX letters in the mail from XXXX XXXX stating our mortgage has been modified. We have received NOTHING from Bayview concerning our mortgage. Two weeks ago, we received a letter from the Attorney Generals Office ( DE ) stating XXXX XXXX is not licensed to practice law in DE. We have just copied a stack of correspondence to be sent to DOJ. We do n't know if we have a mortgage, if we should find an address for them to mail payments to ...???? We are at a total loss
I had a medical bill that my insurance did n't cover. It 's been over a year since I was hospitalized. In  XXXX  I noticed on my credit report that I have a collection account that I never heard off. It was the amount of  XXXX  As soon as I fount out I called the collection agency and paid the bill, but it looks like they never reported it as paid.
I really need someone from the  executive  office to return my call.  XXXX   XXXX ,  XXXX   XXXX  or his assistant. No one from Bank of America will help me. When I ask for a supervisor they hang up. Simply because she is in the Merrill Lynch branch. I called back and  XXXX   XXXX  said he did try to send his supervisor but advised that his supervisor would be too busy to call me back. I wanted to complain about the unprofessional behavior of  XXXX   XXXX ,
I C System INC has reported to the credit bureaus a debt that does not belong to me. I called I C Systems and XXXX about the fraudulent report to on my credit. I was told that they found a XXXX XXXX ( me ) so it was charged to me. They had no Social Security number or address to confirm it was me. The reason they have my address now, is because i gave it to them when I called. Looking on the website, XXXX, there is other XXXX XXXX located in my area. I do n't see haw they are allowed to single out one and damage that person 's credit. I have disputed this on more than one occasion with it still showing on my XXXX Report. 

XXXX and other credit agencies have been notified of this issue and all other credit agencies have removed this from my report with the exception of XXXX.
On XX/XX/XXXX, I was served a summons to appear in court on XX/XX/XXXX ( a court date that was more than 2 months prior to being served ) as I was being sued by XXXX XXXXXXXX XXXX  XXXX. I was going through a divorce at the time, not knowing my rights as a consumer, & not wanting my pay checks to get garnished, I made payment arrangements on their website to begin paying off the debt. After my divorce was final, I began trying to clear up my credit. I realized that this debt was originally from Citibank & I had already paid them for it. However, I didn't realize at the time it was the one who received a judgement through the courts. I tried to dispute this debt & when they came back with the full copy of the judgement, I sent a check along with a letter agreeing to delete the derogatory amount from my credit report with the 3 credit bureaus. As you will see from the documents I am enclosing, I made the check payable for the FULL amount allegedly owed. Per their account statement to me, I allegedly owe {$2500.00} after previously submitting five payments of {$180.00} & one payment of {$180.00}. I wrote the letter & check on XX/XX/XXXX & sent it certified mail, which they received & signed for on XX/XX/XXXX.They have yet to cash it or contact me, all the while continuing to report over {$3200.00} ( see attached photo document ) on my credit report, with the amount rising each month. This is the only collection on my report & it is keeping me from buying a house. 
I am not sure what the hold up is, but I believe they are just holding on to it to keep reporting the derogatory amount. Just as they failed to give me notice to be in court, this company has shown complete lack of integrity.
I have a major issue with J P Morgan Chase. I have been using chase for over 7 years including business, person checking and savings accounts. On top of that I have a business Credit card ( which I paid more than {$7000.00} in foreign transaction fees last year ) and XXXX personal credit cards. However, a person sent me XXXX different chase quickpay transactions from XXXX XXXX to XXXX XXXX for me to purchase a product for them, resulting in that person saving money overall. Now, that person claimed that someone without their knowledge logged in their account 6 times from XXXX XXXX to XXXX XXXX and sent me those payments without their knowledge. However, chase send each customer an email with confirmation for each chase quickpay transaction, also on XXXX XXXX XXXX of the payments failed to be funded and that person resent the payment after cornfiimg it was their mistake. 

This person claimed fraud, and because If the investigation I can not submit any evidence from my side, I have contacted chase over 12 times and was given a run around in the branch and over the phone. Today, my account is still frozen, I canny buy my kids groceries, pay my pills, get gas for my car. Chase does n't care about any of that, to them it 's just a process and a procedure, there is no one at the chase branch or over the phone that is willing to explain or give me an opportunity to prove that I am a victim of fraud. 

I hope someone actually reads this.
I called HESAA in New Jersey XX/XX/2018 about a late bill I got for my student loan. It had been in deferment with XXXX. XXXX sold it to HESAA and HESAA never sent a payment voucher and put me in default. I began payments right away and was told by the HESAA agent that 4 consecutive payments would remove the default status. I called yesterday to check the status as I am close to the 4 payments, and after their phone system disconnected 6 times I got an agent. She said the loan will never go out of default even though my payments are current. I was told a lie. And this makes no sense to me a stops me from applying for grant money.
I have notice some issues with my account Balance being the same since my vehicle purchase in XXXX 2013 and my loan dates the maturity date as well as my payment dates. Credit bureau reporting balance is always wrong as well as payment amounts. I would like for this to be researched due to the fact that this finance company Consumer Portfolio Services has had some the same issues going on for years. Which I just learned of doing some research on the CFPB site. Consumer Portfolio Services is still engaging in the same deceptive tactics as before even though they were fined and put on the radar with CFPB. Please look into this company again, they are still up to the same practices. Thank you.
I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my XXXX, Equifax and XXXX XXXX credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.
Me and my girlfriend are in the process of buying a house. I noticed on my credit report that there was a debt for XXXX dollars from 2010 from Suburban credit corporation. I tried having this debt removed for years but they refused, so I just gave up trying. My girlfriend called ( which I 'm not sure is even legal, without getting permission from me ) to have this debt removed, they stated to her " you have XXXX debts, XXXX for XXXX to XXXX and XXXX to XXXX @ XXXX XXXX. My girlfriend stated " that this debt is not ours but she will pay it so it can be removed off my credit report '', they stated they " would remove the debt that is not mine if she paid the balance ''. So she did, they sent us a reciept, and we waited for it to be removed. 
In the process of waiting, 10 days go by and we received another bill from the same company stating we owe MORE money, now we owe XXXX to XXXX, XXXX XXXX, and XXXX XXXX. I thought it was a mistake. So she calls them and they explain they were very exact with the " wording '' of what they were stating, they stated 'they only told us what we owed on the credit report not the total we owed, and they never said they would remove it, we just asked if they could, and they said yes, they would take care of it '', they took care of it by marking it paid and thats not what they explained at all. and then they threatened to put the new debt collections on the credit report if we did not pay them. Which is not mine to begin with I know that debts are to come off after 7 years and unless they were removed, there would be no point in paying Suburban credit and re-ging the debt that is not mine in the first place, when clearly it has to come off in 1 year anyway, and clearly my girlfriend did not know this, she thought she was doing the right thing. 
I dont know if this is legal or not but I know that we were lied to and then they threaten us with another debt so they can make more money off the people you clearly lied to is not right, and I plan on taking them to court over this matter.
I have an equity line of credit with Huntington bank. This line of credit originated with first merit bank and was transferred to this bank during the buy out. I currently have a balance of approximately {$34000.00}. The ten year draw period has ended. I have never been late on the minimum payments of this loan. When I realized that the draw period was ending, I went into a local branch and asked for information about this being converted into a fixed rate loan. When I took this out with the original bank, this is what I was told would happen. When I went to the bank, an application was taken, however nobody ever contacted me with a response. I then received a notice in the mail that they are demanding the full balance all at once of over {$34000.00}. I am older now and I do not drive and can not hear well on the phone. Numerous times my family members have taken me to the bank and we are constantly turned away. We are told that there is not an employee in the office that can help us and that they will contact me later. I explain I have a hard time hearing on the phone, but I am told that is my only option other than finding someone to drive me back up and hoping that the employee will then be there when I go back. Eventually I was able to get ahold of the branch and I was told that because I have a very slim credit history that Huntington will not work with me until I pay off a past due XXXX credit card balance. More than once I have asked for them to give me a confident yes that if I try to take care of the discover past due balance, that they will for sure give me it as a loan. Now I am being told that they should have never made the promise with me that if I pay off discover they will help me.
On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to XXXX XXXX a XXXX  XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score.  The company is requesting that they be removed and now I 'm asking that they be removed!!
the information on my credit score is all over XXXX years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing
I bank with XXXX. They set up an electronic payment to make my mortgage payment to my lender. But they set up wrong information and sent the payment to Loan Care XXXX XXXX XXXX XXXX. I contacted them on XXXX XXXX, 2016 and got a ticket number. I called them on XXXX XXXX, 2016, and the money still had n't been refunded. I sent them all the paperwork from my bank proving that the money went out to them and they are still refusing to refund the money. I do not have any loan with them. Can you please help me?
Multiple accounts that have aged out and have yet to be removed. These accounts should have been removed from other credit reporting agencies, but TransUnion has refused to do the same on these old accounts.
this company advertises it specializes in va home loans and helps vets get into a home. this false advertising because they don't. they are using a company that issues fraudulent scores and claims making it impossible to finance a house, they state in a letter of denial that my scores was XXXX from XXXX  which is a direct lie, the score issued from equifax is presently at XXXX  and has been for over 3 months now. The name of the company issuing the data is XXXX XXXX, their name should be XXXX XXXX. After doing some research on this company i find they are doing this to a lot of folks, numerous complaints and charges have been made against this company. They do unauthorized credit checks and list incorrect information continuously
I have asked for the credit bureaus to reinvestigate the reporting of this account. I sent letters to them on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 but the account was not investigated properly. 

XXXX is not providing complete information and the monthly payment and limit. There are also multiple 120-day late payment in the payment history which are wrong. 

XXXX failed to include the monthly payment and limit. The payment history shows multiple CO marks which are inaccurate. Why do they report this as collection/charge off when XXXX reports this as Late 120-day? Clearly, this shows inaccuracies. 

TransUnion also missed reporting the monthly payment, credit limit and payment history.
I closed my savings account approximately 2 years ago, sorry I do n't have the exact date. Then all a few month ago I started receiving statements with an  XXXX  cent balance. Last month I received a notice dated   XX/XX/XXXX     notifying me that my account was overdrawn in the amount of {$58.00} and the account was closed. The notice as stated that I was still responsible for paying the overdrawn amount and that my account  may  be referred to collections.  <P/> I incurred a monthly service fee in the amount of {$25.00} and overdraft fee of {$34.00}. On XX/XX/XXXX    I called customer service to deal with the issue. I spent over an hour and they were not able to help me, they referred me to go to the local branch. I visited my local branch on   XX/XX/XXXX     and again they were not able to clear things for me.  <P/> I do n't understand how an account that I closed ended up in these issues and now I have to spend all this time to fix the problem.  <P/> I am beyond frustrated and do n't know which route to take.
We were 2 1/2 hours from closing when we got a call saying our loan has been denied. We have been working with Wells Fargo for 7 months to secure this mortgage. We have XXXX commitment letters, inspections, appraisals and XXXX closing Disclosures. XXXX times we thought we were closing, Wells Fargo would call us on a Friday Evening with the bad news they wanted more documentation and we would not be closing the next Monday. We have moved over half our possessions into storage, we have given our landlord notice and the utilities on the for our new house are in our name. Because of Wells Fargo 's inability process anything in a timely manner My family will be homeless in three weeks. What has changed? I 'm told my dept ratio is too high for a coupe of months in the year. They are incapable of understanding that a seasonal part time job has a fluctuating pay check. I have XXXX incomes my primary income is working for the same transit property for 17 years. My second income is XXXX from the XXXX Since the first approval letter my dept ratio has improved and my credit score has gone up. Why did it take them 7 months to make a decision???
After reviewing multiple credit reports, I notice an unauthorized inquiry was placed by XXXX XXXX on XXXX/XXXX/XXXX. I spoke with a sales person informing them that i was not interested in a new line of credit and I did n't not want my credit pulled!