WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Experian XXXX that they could not provide my credit report due to technical difficulties. For my wife, I received a similar message from Experian. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' websites also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them.
Submitted first request in  XXXX  of    2017  to Equifax - Nothing done - Submitted second request in  XXXX  of  2017  - Nothing done again - Have an item on my report that does not belong to me and would like it removed immediately.
I got a call from the number XXXX saying "this is an attempt to collect a debt on my name from Focus Receivables Management" and that I should call back at that  number.
I know I  do not owe any debt.
I am being sued by a towing company i have a rental space with. The amount of money is not correct, I have repeatedly attempted to contact this firm to resolve and no response received. I did file an answer with in the allotted time frame and have since been receiving letters from this attorney to contact them. When i do try to contact again un answered. They then file judgement summerys to place a judgement with a trial becuase they did not hear from me. This is very frustrating. Please hep.
My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, at some point after signing the documents the financing of the vehicle was turned over to XXXX XXXX, in early XXXX, XXXX XXXX reported a payment as more than 30 days late despite the problem being their fault. Specifically, my wife paid the bills through her account including the car note. My name appears first on the paperwork, but also includes my wife nevertheless, one payment was processed by XXXX XXXX in my name, but through my wife 's account at XXXX  XXXX XXXX, where I do not bank. The payment came back stating that the account could not be located. When my wife received the email from XXXX XXXX, I called them immediately about the issue. During the phone call the CSR stated that they had processed it in my name, and stated that despite this being their fault, it was going to show up on our credit report. Thus, I contacted the bureau to dispute the accuracy of the account. The Bureaus, reported it as disputed but did not include my personal statement, and did not contact my wife and I about the results of our dispute. We were coming out of Bankruptcy and trying to buy a home through HUD 's " back to work program '', this was a barrier that could not be overcome. We tried to get a pay-off from XXXX XXXX, but they refused to provide us with a pay-off. We went to the dealership to get rid of the car and was told they would get the pay-off. We ended up purchasing a XXXX XXXX XXXX, putting down {$10000.00}, which changed to {$16000.00}. Because of air quality problems with the car we did n't want to take possession of the car until we moved into our new home the dealership and us agreed to allow this and we insured both vehicles, since the papers were signed and down payment was paid by cashier 's check, we thought the deal was fully consummated receiving our account number with the new bank XXXX XXXX, and speaking with them several times. We still do n't know exactly what is going on, but XXXX XXXX filed suit with our state court in Pennsylvania. But even prior to the suit we paid the account current to avoid any problems with the deal for the new car. We were forced to file bankruptcy as we did n't know what was going on and money was running low. So we contacted the attorney for XXXX XXXX about the payments and the dealership and XXXX XXXX. The lawyer told us that she was no longer on the case and that we should contact XXXX XXXX directly. We contacted both XXXX XXXX and XXXX XXXX. XXXX XXXX either blocked us from calling or changed their number, while XXXX XXXX keeps saying that our account is handled by someone else the number given no one ever answers. Despite all of this they keep reporting our account as delinquent not acknowledging our payment, although they have accepted it. They have not returned the payment either. When my credit scored dropped is essentially put my VA loan on hold and we stand to be homeless in a matter of 5 days.
there is no clear explanation on how the payments applied. I have {$2.00} daily interest, so if yo multiply that amount on day in month, i should not be charged more that {$70.00} per month in interest. I make my payments every month, never skip a one. however, if I make additional payment ( hoping they would apply it towards principle ) they always apply the biggest portion towards interest even though it was already satisfied by monthly payment. every time I call customer service, nobody can give me an explanation on how the payments allocated and why. they just say : " this is how the Department of Education wants us to apply payments ''. This is wrong. I graduated in 2015 with XXXX in student loan. I have been making payments for 3 years, every month + additional payments sometimes and I am still on XXXX and my principle amount keeps going up and up each month. this is wrong.
I've tired 5 times in person between XXXX XXXXand 10 times over the phone to gain information regarding my mother 's savings account with Wells Fargo . I took all the appropriate legal documents to close out my mother 's accounts and have been denied information to her savings holding {$35000.00} dollars at the time of her death XX/XX/XXXX. The XXXX, Ga branch only allowed my to close her deposit box out. I nolonger ever have access to see online information as of XX/XX/XXXX. I did not know where else to look for help. Please let me know what I can do. 
Thank you,
I am unable to answer the identity validation questions because they do not pertain to any past credit accounts I have ever owned or opened in my name. I was unable to answer the security questions in order to see an on-line credit report for Equifax. Due to non-existent accounts asked about my identity questions. I was able to answer and view my credit reports for XXXX and XXXX with no issues.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  on my transunion and XXXX delete, no written signatures.
In XXXX of 2017 I transitioned into a new job. Almost immediately at my new job I experienced inappropriate behavior by my superior which caused me to quit. In the coming months I experienced XXXX, XXXX  and gained XXXX pounds. I also was struggling to pay my mortgage due to loss of income and the XXXX. Finally at the end of XX/XX/2017 I was able to get a job. I have called the mortgage company, M & T Bank, to start the process of catching up on my mortgage payments. I offered to make payments to M & T Bank every other Friday until my mortgage is current. On the day that I called the representative stated that they had placed my mortgage in foreclosure that very day. Literally the day that I called. I told them that I find it no coincidence that the day I call is the day they place my house in foreclosure. I again offered to make payments every other week until I'm caught up. I said I would give them all my money for the next couple of months. She stated that I would need to send them over {$7000.00} that day to stop the foreclosure. My only other option is apply for a loan modification loan, which offers no guarantee I will be approved or that the foreclosure will be stopped. While they decide to approve me for the loan modification, the foreclosure will continue to proceed. M & T Bank has a consumer who is very willing to make payments to bring their mortgage current. I do not want to be homeless, I just want to pay my bills and take care of my family. They have made a very difficult last few months infinitely worse. Please help me save my family and our home.
In XXXX I received a letter stating " Green Tree Servicing LLC and DiTech Mortgage Corp will combine to form DiTech Financial LLC, known as ditech, a XXXX XXXX, effective XXXX XXXX, 2015. '' In XXXX 2015, DiTech sent me a notice of default. However, since XXXX 2015 I have been trying to provide the documents DiTech requested to approve a loan modification. It has taken DiTech almost 4 months to accept all of my documents and approve me for a loan modification. I have now been waiting over a month for DiTech Representaive XXXX XXXX XXXX to forward me an overnight envelope with the loan modification doccuments for me to sign.
Its been weeks since I initiated the short sale in my XXXX and Nationstar has not responded. They added another foreclosure sale date for next week, XXXX XXXX, 2015. Nationstar continues to tell the borrower that they have not received the short sale package however, they refuse to initiate the file in XXXX.
I 've done business with CapitalOne360 since XX/XX/XXXX, but I closed all of my deposit accounts except a single joint checking account in XX/XX/XXXX. I requested my XXXX XXXX report in the fall of XX/XX/XXXXand to my dismay I saw 33 inquiries from CapitalOne going back to XX/XX/XXXX! 

I have n't requested any new banking products from CapitalOne in this time frame. I also closed my only remaining deposit account with them on XX/XX/XXXX. I disputed these inquiries with XXXX XXXX, who said they can only request information on the items one at a time with CapitalOne. This must be a rather slow process, because I initially sent the dispute to XXXX on XX/XX/XXXX It is now XX/XX/XXXX and the representative from XXXX told me so far that a single item is scheduled for removal. 

I initially tried contacting CapitalOne themselves about this, but everyone I spoke to ( via phone and XXXX ) could only tell me they did n't know why these inquiries were added. There was n't even a rote answer prepared, just 'I do n't know '.
On XX/XX/XXXX I was approved for an installment loan. On XX/XX/XXXX the company was sent an ACH termination letter stating that I would submit payment via mail. On XX/XX/XXXX I received a text message from XXXX stating that my account would turned over to collections if I did not provide them with a debit card. I told XXXX that I would provide them with a debit card info once I got home. This was stated after XXXX asked if I could get a prepaid debit card. I never provided the information. On Thursday I received a message stating that I needed to make a {$50.00} payment or my account would be turned over to collections. I advised that the paperwork doesn't state anything about a debit card being on file in order to prevent account from being turned over to collection ( {$50.00} wad also mentioned ). The rep kept asking fir a debit card and she also advised that my account would be sent to collections at XXXX today. I received an email staing that my account had been turned over to collections and they will be reporting a charge off to XXXX.
Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day  reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.
Chase, along with other banks, have a deposit cut-off time. For Chase this cut-off is XXXX EST/XXXX CST and deposits made after this time are considered next day deposits. The problem with this cut-off time is that if a transaction, like ACH payment, hits the account after this cut-off and causes the account to become negative ; the consumer is not given the opportunity to deposit funds to avoid being penalized with an " overdraft fee ''. If the bank has a deposit cut-off time then it should do the same for transactions posting to the account. How is this okay or fair to charge a fee without giving the consumer a fair opportunity to deposit funds to avoid getting fees? 
I voiced my concern to Chase by opening up a complaint which I was told I 'd hear back from a manager within 2 business days and it has now been 3 weeks with no contact from anyone at Chase. 

Yes, in an ideal world, if you know a bill payment is going to be taken out of your account be prepared and have the money in the account. But that is not the case for myself nor for many other families getting by living pay check to pay check. If I barely have the money to pay my bills, I definitely do n't have the extra money to pay fees to any bank including Chase.
Received call today from Niagra Restitution Services ( XXXX ) XXXX they are harassing with repetitious calls and hang up about a payday loan with XXXX XXXX XXXX  from XXXX estimated date given XXXX and XXXX explaining I never received these funds, I didnt leave at address given, IP address for computer and threaten to take my driving license. I told them I will follow up with my bank I didnt receive it and Ive had identity theft, police report and reported to Federal Trade Commission. They are still harassing and I would like calls stop.
The credit reporting agency 's keep putting my son 's debts on my credit report. Our name is the same except for the middle initial. That does not seem to make any difference to the reporting agencies.
The loan was for XXXX, I was charged XXXX monthly and they expected to collect payment for nearly a year! I could n't understand the woman on the phone when she explained the fees, I told her that but she kept pushing and finally just put it through. I did n't exactly agree, I just said I guess it was OK because I could n't hear what she was saying and she would n't give up, then she pushed me into direct withdraw from my bank even though I wanted to mail payments in.
I have received repeated ( daily ) calls from XXXX XXXX XXXX , XXXX. They call late at night because the company has outsourced debt collection to XXXX and representative do not know the time in United States. In addition, the representative that call and answer company 's phone use fake name to appear as if they are calling from the United States. They are rude, overbearing, and lack a demand of the English language to effective communicate. The company has given me the runaround in my attempt to get them to stop calling my home.
I was awarded XXXX on XXXX XXXX, XXXX. I received my back pay on XXXX XXXX, XXXX at which time I payed off the smaller of my two XXXX XXXX loans in the amount of {$8900.00} to Nelnet. I also payed a total of {$800.00} on my XXXX  student loan. I made these payments on the same day that I received my back pay in an effort to reduce my debt so I could live off my limited income. 
Approximately one month later, ( I 'm unsure of the exact date and ca n't seem to find the original notice ) I was notified in writing that I was eligible for discharge of my student loans and requested to complete the application, which I did. 
Nelnet services the discharge process, and at this point I have been approved for that. 
The problem is that they will not refund this payoff that I made out of my XXXX back pay because the state that any payments I made before they were aware of my eligibility are not refundable. They do n't use the date that the XXXX signed the XXXX approval or the date that I was notified. They are essentially keeping almost {$10000.00}, which is 1/3 of the back pay I received. I thought I was doing what was best because I  was not aware that XXXX recipients were eligible for discharge. It 's not something my attorney talked to me about as a possible outcome even though he was aware that I have a degree. 

I feel this is a very unfair practice by Nelnet and perhaps there are others who have had this happen and not been able to get anywhere with Nelnet on refunding that payment that would have been XXXX if I had not decided to pay it off to make my minimal monthly income stretch a bit farther. 
I have spoken to Nelnet on multiple occassions about this and they will not consider refunding my payments. I have not been able to find an attorney to work with me on a pro Bono basis so I am attempting this avenue.
I believe I have a mixed file ( or possibly identity theft ) on my credit report. I just ordered my report with Experian and realize there are addresses, name & account that do not associated with me. 

Below are two accounts that is not associated with me XXXX   XXXX XXXX Account Number XXXX XXXX   XXXX XXXX Account Number XXXX Name that appear on my credit report : XXXX XXXX
I had rented XXXX books from XXXX in the XXXX semester of 2015. I returned BOTH book rentals as I do every time I 've rented books through my undergrad. On XXXX XXXX I received XXXX letters from a law office in Florida saying this was an attempt to collect both debts. CLAIM NUMBERS XXXX and XXXX. I have now filed a complaint and debt validation request with them and the XXXX. I will also be filing a complaint with the Attorney General. This is illegal. There are more than XXXX complaints of this where they say they 've never received the return books. They are praying on college students. I want both books removed from my account and the debt to be removed. The order number was XXXX. I have tried to settle this with the company explaining that I have mailed them back and customer service was not helpful. This company has a history of saying they have no received the rentals and sending directly to collections. I have perfect credit and have never had a bill outstanding.
As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.
Tried XXXX XXXX, would work. Tried money gram. They require uploading a picture of the state ID. What does one do without a camera? 

It's galling Moneygram collects all this personal information, including credit card CCV and date of birth, and doesn't tell us that the process is for nought, other than getting personal information. 
At the very least, at the onset Moneygram should let all know what the requirements are, before requiring personal information. I also don't have a phone, so what does one do? 

Date : XX/XX/2018 Authorization # : XXXX ( used for tracking only )
The loss mitigation process has once again been denied for another reason of which has to do with HAMP notification denial because I failed the NPV calculator. Is the investor of my mortgage in a better profit position by approving me for modification or would they have a higher profit margin by allowing the property to foreclose. The Forbearance and the Repayment denials are not explained thoroughly to understand the reason that has not been written or sent. It should be taken under consideration that my income for my home is more than sufficient. I have XXXX ( XXXX XXXX XXXX ) and my husband is a XXXX veteran. Our only interest is to keep our home. The denials change to a different perspective that do not help to save my home. We need assistance as to what we can do for our good cause to keep our home. All the income for my home is based on a fixed income that approximately excedes {$6000.00}. I would really appreciate all the help I can get with the bank and I 'll need further assistance.
Someone requested a replacement card from my bank then stole it from my mailbox activated the card creating a pin and then used it till I discovered it. The bank did. It refund my money stating that even though card was activated from a different phone number they used my personal data like ss # and birthday.