WillisBack/dataset-financial-user-claim huggingface dataset:
I have a fraud alert on all 3 credit bureaus. Also credit freeze. Trans union XXXX  shows 5 inquiries XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX. I never made these inquiries tsk tsk them off.
BBVA Compass advertised a {$200.00} offer for opening a consumer checking account. The offer said to " apply online before XX/XX/XXXX '' and receive a qualifying direct deposit to qualify for the offer. I applied for the account on XX/XX/XXXX but was not approved by the bank until XX/XX/XXXX, and now they refuse to honor the offer because my account was not opened until after XX/XX/XXXX. I do not know why the bank took over two weeks to process my application but it was through no fault of my own, and I do not think it is right that the bank is reneging on their offer.
XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX and u can call me at XXXX anytime or day .please can someone fixed my report because it 's all all mine at all someone store my social security card as my kids too.
i have attached documents from XXXX XXXX and XXXX XXXX detailing my situation. 
also i enclosed my letter detailing my complaint. 
i paid off my XXXX XXXX account on XX/XX/XXXX. 
in XX/XX/XXXX XXXX XXXX they report to experian a charge off of the remaining balance. 
there can not be a charge off as there was a XXXX balance this bogus charge off is preventing my wife and i from getting a mortgage
Attempting to collect a debt XXXX in bankruptcy, refuse to remove negative credit reporitng.
On XX/XX/2018 I logged into XXXX XXXX and my XXXX   score plummented for unknown reasons. This is after I paid off a credit card. Equifax and their personnel are monitoring my credit reports and not processing my disputes. I had contacted the Georgia attorney general and received a letter regarding a specific person at Equifax.

I am demanding an investigation to why Equifax continues to report erroneous accounts and account data. Particulary from XXXX XXXX XXXX XXXX.

Equifax will be held accountable for their actions. For damages to my Art and reputation.

I am asking the CFPB to forward this compliant and to demand Equifax and their parties to stop abusive and deceptive debt collection and credit reporting per 1681 of the FCRA and FDCPA.

They are using my credit information and are jealous of my credit.
My brother has a Bank of America credit card he quit paying on a few years ago when he lost his job. He XXXX is a U.S. Army retiree with XXXX, XXXX, XXXX and physical injuries XXXX. He has an XXXX and needs another XXXX. He had XXXX XXXX about 2 years ago, he has spent months in XXXX to no avail, he has had to call XXXX three times in the last few months as he has no memory and takes too much XXXX forgetting he alredy took it. He can XXXX and can not manage his affairs. He lives on about {$1400.00} per month and Bank of America is trying to garnish his bank account where his XXXX social security is paid into. Bank of America has been provided all this information but persists in collection despite having proof his only, meager income is exempt.
All three credit bureaus ( EQUIFAX, XXXX, and XXXX XXXX ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ 0 Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last  payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late
My mother, the owner of an IRA at Synchrony Bank passed away on XXXX XXXX, XXXX. As the executor of the estate of my mother, I contacted Synchrony Bank on XXXX XXXX, XXXX and informed the representative of her passing. The representative indicated that a copy of the death certificate would be required to cancel the Required Minimum Distribution ( " RMD '' ). I explained that the death certificate had not been finalized and stressed that a RMD should not legally be made to a deceased person. The representative checked with their supervisor and confirmed that they would be able to put a stop on all future RMDs without having a copy of the death certificate. 

On XXXX XXXX, XXXX, I mailed via certified mail an original death certificate, a copy of the will and a copy of my driver 's license. Synchrony Bank received this package on XXXX XXXX, XXXX pursuant to the tracking information received from the United States Post Office. 

On XXXX XXXX, XXXX, Synchrony Bank distributed an RMD in the amount of {$1100.00} into the savings account referenced above. On XXXX XXXX, XXXX, Synchrony Bank issued me a cashier 's check in the amount of {$600.00}. The check represented my beneficial portion of the balance of the savings account. This check was issued in error. It must be voided and the funds returned to the IRA account of my deceased mother. Failure to do so will cause this amount to be classified as an IRA distribution for me. This will result in a taxable event and financial harm to me as beneficiary of the IRA. 

Dealing with Synchrony Bank during this difficult time has been XXXX of the most horrible experiences of my life. The incompetence at this institution and their inability to update their system properly to avoid mishaps is staggering. Since XXXX XXXX, XXXX, I have contacted Synchrony Bank by phone 10 times to resolve several issues. I have sent in multiple documents only to be told on several occasions that they did not receive them. Synchrony Bank has refused to work with me directly to manage the creation of the inherited IRA accounts for my siblings, even though I am the executor of the estate. I have had to micro-manage their staff to ensure that they follow through on the promises they have made over the phone. 

All of this communication has taken place yet my mother 's accounts are still not resolved and errors continue to be made by Synchrony Bank. The amount of time required to resolve these issues has been unacceptable and extremely stressful. I can only assume that they have no interest in resolving matters quickly since it will mean the loss of a significant amount of money from their institution. Purposeful delay to retain account balances under the guise of incompetence is still unethical.
I attempted to make my payments through my XXXX XXXX XXXX account in XX/XX/2015 and XX/XX/2015 in which for two months it was returned because this form of payment was not accepted by Synchrony Bank. So when I became aware of this situation, I made two payments within one month in order to bring my account current. I asked that as a courtesy to me that the {$35.00} fee would be removed. I was told that they would honor that in which that has not happened. Also, Synchrony keep accessing {$35.00} each month to my account although I am making my monthly payment of {$100.00} on the XXXX of each which is my due date for each month. Not to mention they are reporting as late for three months which is not the case and that is affecting my credit score. I am not late until 30 days and that has not been the case since XX/XX/2015 but they continue to report me late each month and charge a {$35.00} late fee for each month. These practices are unlawful and I wish these practices to be corrected on my behalf.
I purchased and vehicle on XX/XX/16 for XXXX @ interest rate of XXXX - my monthly payments are XXXX Recently went on my account to determine my pay-off balance as well as the contractual terms.In doing so, I could not find my PRINCIPAL balance. I ask the loan personnel for a copy of my PRINCIPAL ONLY balance but was not given it.
I discovered through my credit report that there was a balance on my US Bank credit card of {$5300.00} and late payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I did not make any purchases on my US Bank card and when I called to dispute the charges, I was told by that agent that I needed to speak with a particular person that was handling the account and I left that person a voicemail numerous times throughout the last couple months and haven't received a reply. 

Account Details Last Reported XX/XX/XXXX Creditor Name US BANK Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$5000.00} Term -- Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$5300.00} Highest Balance {$5300.00} Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$620.00} Times 30/60/90 Days Late 1/1/1 Remarks Account closed by credit grantor 120 Days past due Payment History Latest Status : 120-149 Days Late XX/XX/XXXX 60 90 XX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK 30 XX/XX/XXXX U U U U U U U U U OK OK OK XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U J F M A M J XXXX XXXX XXXX XXXX XXXX XXXX 60 60-89 Days Late 90 90-119 Days Late 30 30-59 Days Late U Unknown Credit Utilization*106.66 %
I was approved for a fha home loan thru primary residential mortgage, with XXXX XXXX .working with a realtor through the whole process.we got to the part where I paid for the appraisal. But me and the realtor were questioning the lender about why the closing cost kept changing, ( getting higher ) the second time I questioned him he said oh I meant to call you. The underwriter could not get you approved because of your bank statements. And I need you to send me something in writing saying your withdrawing your request for the loan. that you do n't want it anymore??? My realtor got the approval letter from the lender also. And I just happened to pay XXXX the day before for the appraisal. Sounded fishy to me and the realtor
XXXX XXXX alerted me that I have several inquiries on my credit report. Unauthorized inquiries. I never gave any consent to XXXX nor these companies below to open any accounts without my authorization. XXXX 1. American Express 2. XXXX 3. XXXX XXXX 4. XXXX XXXX
Experian is showing a judgment from XXXX that should have never been reported on my credit report This judgement was investigated by XXXX and XXXX through you and was deleted and should have been taken off experian also.I have proof that I was exempt from paying this judgment from the courts there for should have never been reported on my credit This was judgment was filed in XXXX but was n't reported until XXXX. I would like this judgment taken off my credit because it is preventing me from buying a home. Please help.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
The collection agent or Nelnet has reported my student loans 4 separate times per month to credit bureaus ruining my credit score even though I am qualified for a forbearance with a payment due of XXXX per month for 240 months
I have two dates they have come by the house looking for me and those were XX/XX/2018 & prior to that, it was about a week or two before on XX/XX/2018. 
Then on XX/XX/2018 they called my Work. After they were told not to call again, they did later that same day & harassed a coworker by questioning them whether or not they were delivering their messages to me. 
Then on XX/XX/2018 I sent a cease & desist letter. 
XX/XX/2018 they contacted my sister in law & my biological sister about my debt. 
The calls to my employment are daily and have been since the beginning of XXXX of 2018, even after they asked to stop calling. 
I am filing bankruptcy and was advised to stop paying & their pursuits to collect on me have been relentless ever since. 
The bankruptcy hasnt yet been filed due to not being paid in full but it will be in the next 30 days. 
Im just following the advise of my attorney by filing this complaint in hopes of getting the harassment to stop.
Contacted Equifax today XXXX/XXXX/2015, in an attempt, to dispute inquiries. I initially spoke to a customer service rep by the name of XXXX. She submitted a dispute for a collection account with confirmation number XXXX. She stated she was unable to dispute any inquiries. She continued to say the Fraud Department would have to assist me. I spoke to XXXX in the Fraud Department. He stated they are unable to dispute inquiries, because they are factual. I then requested to speak to a supervisor. I spoke to XXXX who stated she was a supervisor in the Fraud Department. I explained to her about the inquiries and attempts to get discrepancies resolved through the creditors, without success. I also told her that I was told by the CFPB that credit bureaus have to dispute inquiries and could provide me with documentation used to complete the investigation. She then told me they do not have the capability to dispute inquiries. I then told her that inquiries were able to be disputed in the past. Asked had that changed. She stated again they do not have the capability to dispute inquiries. The inquiries in question are listed below Settlementone : XXXX XXXX BANK XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 Equifax Mortgage Services : XXXX XXXX XXXX XXXX/XXXX/2015
There is an count on my credit report that I have disputed before. I have requested to see the proof provided to the credit bureau to provide proof of debt and I have yet to receive this information to date.
Mortgage company paid for homeowners property insurance twice the wrong amount in excess of {$7600.00} after I instructed them not to issue check because the final amount of the policy wasn't known yet. Mortgage company issued check for {$5400.00} on XX/XX/XXXX. Then issued another check on XX/XX/XXXX, same policy, for {$5400.00} The actual cost of the policy was {$3100.00} This resulted in s shortage of {$7000.00} which the mortgage company intended to collect from me. In reality, As of today, XX/XX/XXXX, I should have an escrow balance of plus {$1300.00} Mortgage company has increased my monthly payments from {$650.00} to {$1400.00} starting on XX/XX/XXXX. Then, on XX/XX/XXXX, the company that provided the homeowners policy refunded the over payment of {$7600.00} to the mortgage company which has NOT credited my account. This problem has been going on now for three months. I need your help.
On XXXX/XXXX/16 tried to get Experian and XXXX credit reports through XXXX. The reports appeared but the session expired before I could print them, and when I tried to see them again ( within a couple of hours ) the system said I had to get them by mail, and could only get them if I provided a pay stub, a copy of my social security card, and a XXXX form. This does n't make sense since I did not have to provide those to see the report online. However, it said I would be able to access the reports for 30 days online, and I ca n't. So now I have used up my XXXX free annual report request with them but I do not have access to the reports. I filed a complaint on XXXX/XXXX/16 but did n't realize I had to file XXXX separate complaints, XXXX for XXXX and XXXX for Experion.
We have been working with XXXX XXXX XXXX XXXX for almost 7 months to complete a re-fi cash-out on a small vacation property. Our credit scores are exceptional and financials impeccable. Wells Fargo has either lost, misplaced or had documents expire which has prolonged this transaction beyond an acceptable time frame. The rate lock has expired at least 4 times. The title commitment expired after 6 months and Wells Fargo wanted to charge us the {$100.00} fee for updated title documents. I refused to pay that since that was due to their slow process. The appraisal had to be updated after 4 months. The payoff of the original mortgage had to be updated at least 4 or 5 times. There were at least 6 emails from Wells Fargo that stated we were in " Final review ''. That never happened because financial documents kept expiring and had to be resubmitted and then reviewed by their underwriting team. Turned into a vicious cycle in which I finally refused to submit more and more documents. Had to get upper managers involved to try to resolve this matter which may now be close to completing. This should have been finished months ago. LTV is less than 45 %! Could have paid this mortgage off with our own funds but wanted to lower the interest rate, lower the payment, and use the additional funds to pay off another investment property. Whole process has been unacceptable. We have completed many, many loans and this has been the worst loan of them all!!!
My Experian report dated XXXX/XXXX/2016 reflects XXXX recent inquiries for credit facilities for which I DID NOT apply : XXXX, XXXX, and XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports with each of the XXXX agencies. In the meantime, these inquiries need to be removed from my report as they were fraudulent.
I have applied 3 times and denied 3 times for a loan modification. Each time, the process has taken 6-8 months. I have been working XXXX jobs to try and save my home. The last denial I was told that I made enough but was too far in the arrears. I have sold my house 3 times. 2 out of the 3 times the buyer has pulled out because the short sale process was taking way too long ( we are all aware that it is a longer process ). I truly believe that Ocwen drags out the process - at least in the loan mods - so that you get so far in the arrears, nothing can be done. You speak to a different agent each time. One agent ca n't seam to find documents another agent has received. They are constantly saying that they do n't have documents when we have proof they were sent ( ask my Realtor! ) and they wait for your next phone appointment to tell you what 's needed instead of sending an email beforehand so you can have what 's needed at the next phone appt. I could have been paying something for the last couple of years. My house needs some work which I wo n't do because of the short sale. It 's an emotional roller coaster for me because I have been in limbo forever. They assign you a " Relationship '' manager but you get them maybe 1 out of 7 phone calls.I have been to every NJ State agency, Senators, written to the White House but to no avail. Would n't some payment be better than nothing? This is not help.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX , OH 4XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX I have included my ID ans SS info for proof of address.
Caliber Home Loans has misappropriated my mortgage payment and they are claiming that I have not paid my mortgage since XXXX 2015. This is inaccurate and I have my bank records showing that Caliber cashed the checks. I have written a letter to Caliber Home Loans with attachments showing that I am current with my loan payments and they are still threatening to foreclose on my property. It is a simple adding and subtracting issue on their end that they refuse to remedy.
XX/XX/2017 Re : Account ending in XXXX : Seller XXXX/ Original Creditor : XXXX Creditor to whom debt is owed : Portfolio Recovery Associates LLC {$840.00} ( {$840.00} ) Called after sent written cease of communication notice. This is the 2nd written communication! They are still calling and we can see calls on TV screen with our phone service thru XXXX. Repeated calls at all hours. They have no respect for the laws of this Country ( USA ) and for other human beings. They have no shame!
I have had a debt that is not accurate put back on my account three times -- after three investigations proved it wasnt valid. Transunion refuses to remove it -- in spite of having three times taken it off previously -- just because whoever bought the incorrect account before sells it on and they are not concerned with the simole task of looking at their own records. According to Transunion -- they says this is my fault somehow. 

There was a miscommunication with XXXX but it was cleared up. That did not stop XXXX from putting on my report on XX/XX/17 -- but it was removed. 

XXXX tried the same thing in XXXX -- it was removed because it isn't my debt. 

Now XXXX has put it back on. Transunion claims it meets the FCRA standards -- but they have removed it multiple times and say its not their responsibility because it is a " different creditor '' It's a different fraud -- not a different creditor. For two years my vredit has been docked as a result of their negligence. They know this is not valid but I had to contest it again and they refused to remove it from my account until it was cleared up -- a 4th time.
I opened a secure credit card with us bank in XXXX MN back in XX/XX/2017. They said if I opened the account with XXXX dollars that they would report it to my credit report all three XXXX XXXX and the other. But that did not happen. It has cost me a great ammount of money because of a larger ammount on interest on my car loan and other loans. I trusted the bank but they did nothing. When I called them they said I have to send them a letter. But the damage has already been done. I was mislead in truth and lending by us bank. And I explained to them that the damage has been done and they responded oh well. I feel I was dupped and felt sure that I could trust what they said to me was truthfully. I would have never opened a secured credit card with them if only they do is charge me fees for my own money. Missleading into beleaving something that was not the truth is wrong. And when I want to close the secure credit card they say I have to send a letter. But I opened it at the bank why can I not close it. They keep assessing fees of late payments of my own money please help me.