WillisBack/dataset-financial-user-claim huggingface dataset:
I was affected by Hurricane Harvey, XXXX XXXX did a 12 month forbearance on XX/XX/2017 and now they reported late payments to my credit report lowering my credit score 100 points. I never received a delinquency notice or email or phone call about late payments. They don't want to remove negative credit reporting and i need a loan to fix my home. I lost everything and this is the last thing I need! I need to rebuilt my life. 

Thank you
Got the email about the XXXX data breach. Have been getting emails about my credit score decreasing from XXXX ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do. 

Waited for some of the dust to settle after the data breach announcement, tried to check my report with XXXX. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ). 

It has been less than a year since my last credit report at experian, and I hoped that XXXX had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests. 

I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.
In XXXX we applied for a line of credit with a credit union to consolidate some debts. Their search turned up XXXX line of credit loans with PNC bankXXXX XXXX XXXX XXXX old line that I thought had expired years ago. The other XXXX XXXX ) was a current line that was an active account. I called PNC customer service and was told to FAX a letter to remove the loans from the books. I decided to do these XXXX XXXX XXXX ) at a time so to avoid confusion. After hearing nothing more about the loan for two weeks, the PNC customer service person said it would take about ten days, I called again. The PNC customer service person said they never got my FAX and to resend the letter again which I did. About a week later I went to a local PNC branch office to talk to some XXXX in person about the issues I was having. While there I spoke with another PNC customer service person and she told me that the loan office had never received my second FAX. I sent another request to remove this loan from there and went home. When I got home the mail was in and with it was a letter from PNC that they had removed ( XXXX ) from the books. I was confused but happy, XXXX down XXXX more to go XXXX XXXX ). On XXXX I sent PNC the early termination fee and a message to clear and remove from the books line of credit ... XXXX. PNC 's Response was to FAX or mail a letter to them with this request so I mailed the request certified mail. In two weeks I called PNC again and was informed that they had not received my request. When I told them that I had a receipt stamped by their receiver the customer service person put me on hold and transferred me to another customer service person. This transferring me around took me through XXXX other operators. With the third XXXX I ended the call and told the operator that I was tired of being transferred around and would seek higher authority 's. 
I feel that this bank is trying to force me to stay with them by making getting a loan at another bank so difficult. And that I just give up and get the loan at PNC.
I found out about this debt via credit alerts. I call Berks Credit & Collection and informed them I never received a statement from them nor did I receive a statement from the Original Creditor. I stated to them that they were in violation on the FCR Act. I had an attorney sent them a letter of dispute with no responds ( see attached ). I ask them for proof that they mailed me any statements and was denied. This should not be on my credit report.
I have been working very hard to raise my credit scores, so that I might try to buy a home instead of renting. I have had child support issues in the past, mainly due to financial hardships out of my control, layoffs, injuries, ect. I have i.d . theft protection thru my bank, which I pay for monthly. this gives me access to my credit report on a daily basis, from the XXXX major companies, XXXX. when I told my real estate agent that my score was above his requirement to get me financed, he went ahead with standard credit check, on XXXX the company he used was called corelogic-credco. they sent him what they call a CREDCO INSTANT MERGE CREDIT REPORT. it reflected the positive payment history on my credit card, but did not show the positive payment history on my XXXX child support cases. when I look up my own report thru any or all big XXXX credit bureaus, they show positive payment history dating back 24 months on XXXX child support cases. Credco 's report shows NO payment history, and have XXXX child support cases listed as in COLLECTION. this is not true, due to the fact that Missouri is garnishing my social security, and my pension for this child support and have been doing so for years. I called credco, and they told me that they forwarded the report to my real estate agent, just the way they received it XXXX. I tried to call XXXX to no avail. why can I get my report with positive payment history, but credco and my real estate agent can not? this flaw in the system cost my home loan approval, even with my V.A. home loan certificate. my agent tells me that if the credit report would reflect my good monthly payment record for these XXXX child support cases, that he could have pushed loan approval thru. I reached out to everyone I could contact, only to get the runaround. everyone points the blame to someone else. are there not laws to protect people against wrongful or half truthful, or incomplete reports? seems to me that this system is set up to report as much bad as possible, so that the financial institutions can make money buy jacking interest rates on people with less than perfect credit scores. thanks
I took out this internet loan, {$300.00} and have been making installment payments every two weeks. I did not know that they were not licensed in Indiana that that their percentage rates were unallowed. As of this date I have paid back approx {$600.00} - their percentage is 761.09 % which is well above the percentage rate allowed. I believe that I do not owe these people any more money.
I have been writing to XXXX and Equifax since XX/XX/2017 regarding a CC bill from XXXX XXXX. The last collector for their account was XXXX XXXX, I have gotten a letter from them stating that due to the information that I have sent them they have closed the account but XXXX and Equifax still refuse to remove the charge from my credit report.
I asked Experian for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with Experian asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like Experian to follow suite .
I have received a debt owed with no notice, first noticed it on my credit report which lowered my credit score. This is a debt from XXXX XXXX for services from XXXX Im told. I did not have a internet account since XXXX. Moved in XX/XX/XXXX from this address. I have contacted this debt collection company for information on this debt 3 times asking for validation of this debt and receive 3 different answers, we never sent it to you, Yes we sent it to you we cant send it to you til we hear from XXXX XXXX XXXX. Meanwhile my credit is destroyed my this. This came to my attention XX/XX/XXXX and still no validation or corespondence. The companys name is EOS CCA XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Debit amount {$310.00} XXXX XXXX
I filed a dispute with the credit bureau. There is inaccurate information on my credit report. It is damaging and hurting my credit worthiness. I do not have a contract with the collection agency, that is reporting to all three credit bureau. I do not owe this collection agency. They should not be able to knowing violate the Fair Credit Reporting Act by reporting inaccurate information and failing to properly investigate the inaccuracies being reported.
On XX-XX 2017 there was a fraudulent charge made to my Chase acct! For {$97.00}. I filed a fraudulent claim the money was returned! I received a email from Chase saying THEY 'RE reversing the funds and putting them back on my account!! I called and asked why and they said the company has submitted proof the charge was mine! This is impossible I did not order anything from this company!! 
My bank said it was a free for pay! I do n't know what that is, but I live in SSI and ca n't afford such things! And I do have some credit cards, if I was going to order a {$97.00} item, I would have put it on my credit card, and not my Chase credit card either! Why would I put it on my debit card knowing it would overdraw my acct Majorly! Instead of on my other credit cards so I could pay it in payments!! I called the company and they said they do watches! I did n't receive a watch! I am desperate, I looked up the company online and they are a home business associated with Morgan Chase! Plz help me! I borrowed the money to put in the bank, help!!
This claim is related to the complaint I filed against Wells Fargo XXXX. Instead of placing the loan in forbearance and removing all the negative damage they had done to my credit as requested they listed it as a charge off. Unbelievable. I think I will be closing the checking and savings accounts I have held there for the last 30 years. Really who needs a bank like that? XXXX too Wells Fargo.
I recently received a copy of my credit report and noticed an unrecognized account from World Finance. After several attempts to speak with them, I found out that this loan was taken out using my information in XX/XX/XXXX for an address in Illinois. I have lived in Michigan since XX/XX/XXXX. I did not obtain this loan and have tried several times to have this information removed. World Finance has subsequently changed the information after I called them to my current address and contact phone number and will deny my disputes with the credit bureau because they have my current address. I have attempted several times to have them send me the information on the account with no such luck. They always take down my phone number but have YET to attempt to call me back. After doing more investigation, I found out that the branch where this loan was taken out had several employees commit fraud using other people information without their knowledge. I also found out that World Finance knew of this issue, but they still refuse to correct the credit of those affected. This is causing me a severe hardship and needs to be corrected IMMEDIATELY!!!
On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXX On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXXXXXX XXXX XXXX On the day of each inquiry, I was notified by XXXX and both XXXX and myself called XXXX to notify them that was not me the application was fraudulent. 

XXXX took the appropriate actions and notified XXXX, XXXX XXXX and Equifax. 

XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. 

PROBLEM - Equifax will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - XXXX helped during the initial dispute but now has no idea what to do. I asked them to notify Equifax that these two inquires are fraudulant and must be removed.
i recently obtained a copy of my XXXX and XXXX credit reports and saw that enhanced recovery had listed an negative account on both my XXXX and XXXX credit reports without sending a dunning letter. after I filed a complaint with the XXXX on XXXX XXXX, 2015 they sent a letter with a copy of bill which does not include whether they purchased the debt I specifically asked for all documents showing that they are allowed to attempt to collect and the original contract of the debt they are trying to collect to see if I actually owe this debt. They have been reporting this on my credit report since XXXX. I requested for them to remove all negative information as I do not believe I owe this debt ad they did not provide the information that I requested and they stated that they would send the credit reporting agency status as I am disputing this debt.
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the US Bank and did not receive a response. This bank account which was opened online fraudulently in my name was not opened with my knowledge or consent and was not opened by me. Currently it is the only item being reported on my XXXX banking credit report. When this account was opened it was opened in a state I did not even live in.
I have written to Experian, XXXX and XXXX regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. Experian, XXXX and XXXX have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.
What is this XXXX? Experian XXXX did n't even try to verify my identity online on this site XXXX XXXX XXXX. They just automatically told me I had to request by mail? XXXX verified my identity, and gave me my report online immediately! They did n't ask me any questions or do any of the other things required of them! I can access my credit reports from other online websites no problem, and did yesterday but not from this site XXXX. It 's complete XXXX! They already have my info. XXXX gave me access to my free credit report instantly online on this site XXXX. 
Every other company under the sun can access my stuff but they block me from accessing it, unless it 's on a pay site! It 's not just me either. I know other people with the same dam problem. They are just turning this site XXXX into a scam to drive people to their pay sites! 

We 're sorry, for your protection we are unable to deliver an Experian Free Annual Credit Report over the Internet. 


We were unable to honor your request. If you entered your credit card information, we did not charge you. 
Sending us your informationTo receive your personal credit report by mail, please mail us this letter XXXX or the information in it XXXX, along with onecopy of a government issued identification card, such as a driver 's license, state ID card, etc., and XXXX copy of autility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and currentmailing address, and the date of issue XXXX statement dates must be recent ). We are unable to accept credit cardstatements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders asproof. To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. 
If you are purchasing your credit report, enclose your check or money order for {$13.00}. 
If you wish to purchase your XXXX XXXX XXXX XXXX report provided by Experian, enclose your check or money order for {$8.00} XXXX includes state sales tax where applicable ). XXXX is owned by XXXX XXXX, XXXX. 
Mail this form, along with payment ( if applicable ) to : ExperianXXXX XXXX XXXX, TX XXXX [ ] Check here for overnight delivery and include anadditional {$20.00} overnight processing fee. [ ] Check here to authorize delivery of overnightpackage without obtaining signature.
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXXXXXX XXXX XXXXs ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies.

The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue
I have two names : XXXX XXXX XXXX on one social security number. I complain to the CFPB last year : XXXX { Experian } I  was told by the FTC to explain this to XXXX with documents to prove this federal offense against me. 

The city of XXXX has caused this federal offense also XXXX  data breach has ruin my credit worthiness. 

I've never own a credit card & has been taking out of the work force, college in XXXX XXXX XX/XX/2011. 

XXXX denied me two without verify of my identification theft, disgrace.
I CANT GET A HOLD OF THEIR CUSTOMER SERVICE. THEIR WEBSITE REJECTS ME AND TELLS ME TO CALL THEIR PHONE NUMBER AND THEY DO NOT GIVE ME AN OPTION TO TALK TO AN ACTUAL HUMAN BEING. THERE ARE ONLY LIKE 4 OPTIONS AVAILABLE THROUGH THE PHONE AND IF MY PROBLEM IS NOT ONE OF THEM, THEY SAY " I'M SORRY PLEASE VISIT US ON OUR WEBSITE '' THEN I GO TO THE WEBSITE AND THEY SAY " I'M SORRY PLEASE CALL US ''. THIS IS RIDICULOUS I'VE BEEN TRYING FOR DAYS TO TRY TO TALK TO THEM FOR HAVING THE WRONG SOCIAL SECURITY NUMBER THAT'S PROHIBITING ME FROM GETTING MY STUDENT LOAN WHICH IS INTEGRAL TO ME.
In XX/XX/XXXX, I visited a Zales store in XXXX to purchase an engagement ring. I was induced to purchase a ring at Zales because the salesman assured me that I would not pay interest for the first 12 months. When I inquired further about the interest, he said that starting on the 13th month, interest would begin to accrue at about 30 % APR. I specifically asked if it was a deferred interest deal and the salesman assured me that it was not.
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I accepted the salesman 's offer of zero interest for the first year and purchased the ring. On XX/XX/XXXX, only a few days after the one year anniversary of the date I purchased the ring, I called Zales to pay the entirety of the bill for the ring so that I would not accrue interest. Much to my surprise, they informed me that I must pay {$620.00} because my promotion was in fact a deferred interest deal. I explained the conversation I had with the salesman and I was offered a 33 % reduction in interest. I asked to speak with a manager, and the manager I spoke with offered me 50 % off. Since I was sure there had been deceptive practices involved in the sale of the ring, both in a misrepresentation of fees and costs and misrepresentation of the benefit of the product, I did not accept the offer. The manager informed me that he would draft a complaint letter for my review and signature and my interest would be stayed for 30-60 days ( I understood that this date would start on the date I submitted the signed complaint ) while it was independently assessed by an arbitrator.
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On XX/XX/XXXX I called Zales to get more information about how to submit my complaint. I again was transferred to a manager who stated that my complaint was submitted on XX/XX/XXXX and was resolved on XX/XX/XXXX. She informed me that interest would therefore not be stayed. I asked her for the 50 % reduction that the previous manager had offered and she informed me that there was no evidence of such an offer being made and she was not empowered to waive any fees or costs.
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As a consumer I am deeply concerned with Zales ' deceptive advertising practices. I respectfully request a waiver of the interest incurred during the first 12 month period. If this is not possible, I request that my interest be stayed while I seek legal counsel regarding this matter.
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Respectfully, XXXX XXXX
I am hoping you can help me. I had a credit card with Discover years ago. Due to a divorce and relocation and severe loss of marital income I had to stop making payments in XXXX. 
I have recently received a letter from the IRS siting funds I owe from a XXXX cancellation of debt from XXXX XXXX XXXX ( Discover Card ). I was only contacted by Discover a few times in regards to debt collection and that was within a year of my last payment. In NC there is a XXXX year statute of limitations on credit card debt and even the IRS sites an expiration of a non payment testing period as XXXX months. I am trying to dispute this with the IRS but getting information from Discover has proved to be difficult. I believe the XXXX form that Discover sent me should be for XXXX or XXXX, not XXXX. The debt the IRS is trying to hold me responsible for is too old and the credit card company should be held responsible and made to provide accurate information to the IRS.
On or about XX/XX/2018 I was notified by our Mortgage lender, Freedom Mortgage that they did not receive our payment for XX/XX/XXXX. I immediately faxed customer care the copy of the cashed check in the amount of XXXX. On XX/XX/XXXX, I received another letter asking for a payment of XXXX. They stated they did not receive my fax or payment for XX/XX/XXXX as well and are now charging me a late fee of XXXX. I proceeded to fax them proof of XX/XX/XXXX and XX/XX/XXXX 's payment. This time they told me they only got the first cover page of the fax. On my end I show that all pages of the fax were received. I have called customer service at least ten times, e-mailed three times and sent information certified letter to two different locations which they signed for. For some reason I discovered that the account number had gotten switched back to an old account number I had with XXXX XXXX  when Freedom acquired my loan. I do not know how this happened but I relayed this information to them. They acknowledged they got this information and proof of payment but continue to send me letters with threats of foreclosure and reporting me to the credit bureau. I got into my credit report today and found that Freedom Mortgage has now placed a negative mark on our spotless credit report. I will also be filing a dispute regarding this matter. I am helpless and unable to get this resolve while they damage my credit and threaten to foreclose on our home. It is time to make XX/XX/XXXX mortgage payment and I am frightened they will loose this one as well.