WillisBack/dataset-financial-user-claim huggingface dataset:
I had no difficulty putting a 'freeze ' on my credit reports with XXXX or XXXX . On the other hand, Experian required that I answer more questions and provide more information ( that I entered 3 separate times ) and then denied completing my online request saying, " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' They said I must instead send copies of ID by mail as well as all of my personal information. They provided a telephone number for customer service and implied this was another option for identity verification ( as it was with one of the other two companies ). After requiring me to provide much of the same personal information ( computer, not a person ) on the phone they said they would only accept mailed information, repeating a long list of what they would require and then just hung up. There was no option to speak with a customer representative. 

It appeared that Experian really had no option to complete the security freeze online even though they presented this as a routine option on their website.
Took mortgage from LoanDepot XXXX XXXX XXXX : XXXX ). Made first payment on XXXX, 2016. Then got the letter that the mortgage account was sold to XXXX XXXX XXXX XXXX : XXXX ). When I called LoanDepot, they said they wired the first payment amount to XXXX Bank after a month XXXX XXXX XXXX ). Contacted the XXXX Bank and they say they have n't received the amount. XXXX Bank issues another notification to me that I still have to pay the amount. 
Highly frustrated with both LoanDepot and XXXX Bank transactions. Both parties say they completed the transaction properly. Not sure where the issue is but being a customer I had to pay XXXX loan payments in one month and also could n't get the benefit of paying off a payment before 2016 yearend.
I got a ding on my credit report from the XXXX bureaus of a debt collection from Midwest Recovery Systems. I do not know the company and I did not get any notice before they put a collection on my credit report. I do not do payday loan.
Loan number XXXX Freedom Mortgage I have been disputing this organizations errors since XXXX of 2018. They obviously do not know how to properly account for monies sent to them and claim total ignorance of their own procedures. I received a statement dated XX/XX/2018 showing my payment were up to date and that my next payment was due on XXXX XXXX. This corresponds to my records. On XX/XX/2018 XXXX reversed TWO months of payments resulting in my payments for XXXX and XXXX being past due! I received no explanation and no one at XXXX could explain why nor who the money was paid to! XXXX has also tarnished my credit rating due to other errors made by them. 
XXXX XXXX
I submitted a permanent pre-screen opt-out by mail on X/X/2007 to the address provided on the Pre-Screen Opt-Out web page at XXXX ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.
On the XXXX I recieved a payment in Bitcoin from XXXX I immediatly recieved the payment including an email from Coinbase saying I will be able to use the funds after 6 confirms. 

I 've been waiting 1 month now to be able to use the money. 

Today EXACTLY 1 month after recieving the bitcoin payment it suddenly DISSAPEARED of my coinbase wallet ( transaction list ) So I basically got scammed by Coinbase the company.
account was paid off on XXXX/XXXX/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports.
I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.
I noticed a new address was reported to my Equifax credit account. My address is the same in XXXX, NJ and the name does not match also. My name does not have an XXXX in the end of my first name.
XX/XX/XXXX -XX/XX/2018, I requested Master Promissory note via phone.

XX/XX/2018- debt verification letter was delivered to alleged servicer of loan Between XXXX - current ASEXXXX   has only provided an application as stated on top of the documented received. XX/XX/2018 - creditor contested on credit report XX/XX/2018 - credit verified name, SSN, DOB & address to remain on credit report.

After of XX/XX/2018 AES has not delivered debt verification letter requirements asking for master promissory note and signature verification for electronic signature
Wells Fargo Bank in XX/XX/XXXX my wife had XXXX XXXX my son ask her to take a loan so he can buy a house she thought she was going to XXXX soon thinking the loan would be forgiven when she XXXX, she XXXX XXXX on XX/XX/XXXX the day after XX/XX/XXXX the amount maybe {$40000.00} or {$50000.00} I did not know the right amount or the date Wells Fargo would not tell me anything about this loan because my signature is not on this loan the balance is {$39000.00} as of XX/XX/XXXX in XX/XX/XXXX maybe in XX/XX/XXXX I get a call from Wells Fargo telling me the loan payment is late they did not know my wife pass away so he tells they need to get the payment of {$110.00} if they did not get it they will foreclose and get me out so I started making payments the payments just keeps going up & up in XX/XX/XXXX my payments are {$160.00} they told me if I take possession it will be a 2 % loan and my payments will stay the same at {$170.00} so I said ok and I really can not afford I live on a small SS check I have no other income or any saving account. 
Help me Please Thank You
I was contacted by CKS and they were attempting to collect a debt from XXXX XXXX. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know XXXX XXXX was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that XXXX XXXX was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt CKS would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with CKS Financial for debt collection. CKS seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe XXXX XXXX is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt CKS will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.
HireRight has erroneous incorrect information on my XXXX Report and I would like to have it removed immediately.
I applied for an FHA loan with XXXX XXXX. We corresponded via email regarding all items needed by the underwriter to approve the loan. On XX/XX/2018 at XXXX XXXX I received an email from the processor who advised that the closing department was working with the title company to get the final figures and then my closing disclosures would be sent for me to sign. I was advised to sign the documents once received because this would start my 3 day period for closing. I received my closing disclosures, signed and returned them the same day XX/XX/18. Then I woke this morning to an email from the processor with additional conditions to clear before closing. In the mortgage business I know that the closer only sends out closing documents after the underwriter has issued a clear to close. How is it possible for the Finance company to come back after the closer has sent the closing disclosures and request additional documentation? They advised me that their company has different procedures than other banks and mortgage companies. They need to be investigated. I feel they are misleading consumers and are causing me to miss a deal in which I have a binding contract with a seller.
To Whom It May Concern : I am a victim of identity theft and filed a police report with the XXXX XXXX Police Department. The police report case number that is on file is : XXXX. The following account is fraudulent and unauthorized : XXXX XXXX XXXX/XXXX XXXX,XX/XX/XXXX. The following hard inquiries are all fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Discover Student Loans recently changed its software program. As a result, the company did not migrate auto-pay and banking information for its customers to the new system. I did not receive notice of this until I logged on to my account on XXXX/XXXX/XXXX and saw that the payments for XXXX and XXXX XXXX had not been processed. I called the company that evening and they advised me of the software change. 

This loan entered repayment in XXXX XXXX when I graduated law school. I have made nearly eight years of timely payments. When their software deleted my auto-pay details, XXXX took away my on-time payment rate reduction XXXX 0.5 % ) and my auto-pay rate reduction XXXX 0.25 % ), which raised my interest rate from 3.5 % to 4.25 %. The representative could not guarantee that I would be allowed to have these reductions back, despite my years of on-time payments. 

I can only imagine that XXXX did n't undertake the likely simple process of migrating auto-pay information from its old system to its new to be able to take advantage of higher interest rates, late fees, and penalties from its customers. Fortunately, I noticed the missed payments before being assessed any late fees or penalties, but I 'm certain many others will not notice in time. The company told me they begin assessing fees and penalties after an account is 60 days delinquent. 

I would like my rate reductions restored, as I believe the company engaged in this practice with the intent of raising rates and assessing penalties and late fees.
I wrote Experian several times regarding the inaccuracies they are reporting on my credit report on behalf of XXXX XXXX XXXX XXXX for account numbers XXXX for the amount of {$300.00}, and account XXXX for the amount of {$870.00}. I ask Experian to investigate the inaccuracies and delete them off my report for their inaccurate reporting. My most recent letters to Experian was XX/XX/XXXX and again on XX/XX/XXXX. Experian responded that after the investigation they concluded the information reported by XXXX XXXX XXXX XXXX was accurate and the collection remained on my report. Experian did not require the company provide them or me with debt validation as I requested and Experian was not provided with the original contract with my signature which mean they could not have property investigated this item and this is a direct violation of my rights. I sent a certified letter directly to XXXX XXXX XXXX XXXX to demand they validated the debt they are reporting to Experian. XXXX XXXX XXXX XXXX has not replied to my request. I am now filing my complaint as my rights under the fair credit reporting act is being violated and I am seeking help to resolve this issue.
This is a medical bill that I received.I fell at XXXX and got injured they are responsible for the bill not me.i received a letter in the mail today from transworld systems inc XXXX/XXXX/2015 stating that if I do n't pay bill in full they will report to the credit bureaus.i tried contacting the number they provided it rings XXXX times then the line remains open with no one on the other end to speak with
Bankruptcy removal I have been disputing with XXXX and Experian about the information associated with my Bankruptcy Ch XXXX. Most recent disputes have been online as well as by phone XX/XX/XXXX/ XX/XX/XXXX and ongoing thruXX/XX/XXXX. The results have been the record has been updated but my dispute has been who furnished the information for the updated information? The US bankruptcy Court has notified me that the court does not furnish the record to credit agencies or third party agengies. I have ask for how and who verified the bankruptcy for accuracy but XXXX and Experian always reply with they verified through public record database provided by the court through XXXX or XXXX. Listed are the things that I have asked and begged for and they won't give the information to me. I recently sent a letter in writing asking for this information which I am entitled to after my original disputes my phone and online. 

( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute FCRA, Section 609 ( a  ) 2 ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

FCRA, Section 611, paragraph ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute. 

Adding the public record also lacks name, address, full SSN or date of birth which is a minimum requirement according to NCAP.
Westlake Financial Services repossessed my vehicle after being late despite the fact that I set up a payment plan with them. After I paid their requested amount to redeem my vehicle they slapped me with repossession fees twice that doubled the remaining loan amount I had left to pay. They refused to give me a breakdown of what those fees entailed and if I had been charged twice for XXXX repo. They were so mean to me saying " you got yourself into this so just pay what we bill you ''. Despite the fact that they treated me like a criminal or savage for falling on hard times, I still manage to pay off the entire loan including those fees. For the longest, they kept reporting the loan as open and delinquent. It took months of calling to get them to finally report the loan as paid off. Now two years later my nightmare with this company has returned as they 've reported " no data '' for more than a year then reported it as a collection as of XX/XX/XXXX with no further data. This company is the WORST to deal with as they are disrespectful, inconsistent, and dishonest. I fought for an entire year just to get them to issue me a statement that the account was fully paid in 2014. When I called a few weeks ago to dispute the innaccurate information they reported to XXXX the man said " we 're actually doing you a favor since its better than what we were previously reporting. I have written proof from this company that the loan was paid in full XX/XX/XXXX. Because of their inaccurate reporting I am unable to attain credit. I have been disputing this with the company as well as the credit bureaus time and time again and no one is helping me. Since they can not report truthfully they should remove the trade line entirely.
I keep reporting the same issues every month with the improper use of my credit score. You continue to allow these people to fraudulently use my information. Changing my credit score to XXXX to XXXX Ill be getting a lawyer. I no who is responsible I promise it will stop. One I get legal proof Ill go from there
SLS, a debt collector, has been violating the FDCPA repeatedly. 

XXXX instance is their continued correspondence to an attorney who no longer represents me. .Despite notice given to them on XXXX/XXXX/16, they ignored it and sent said attorney correspondence on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

This is XXXX XXXX of a myriad of violations.
My mother had a line of credit mortgage with Bank of America mortgage on a manufactured home in a park in XXXX XXXX California. The loan was paid in full in XXXX when it was refinanced into another loan on a home in XXXX California. My mother has passed away since that time. 
Bank of America did not return the title to the manufactured home although they sent an unsigned letter stating the loan was paid in full. 
The home is involved in a lawsuit in XXXX XXXX and we must have the released title from Bank of America or at least a signed letter showing it is paid in full, however continued contact with BoA has so far been fruitless. The first two contacts by fax ( their choice not ours ) were ignored. The last contact by e-mail and responded to by fax has so far been, as near as we can tell, also ignored after the confirmation of receipt. 
It is impossible to contact anyone at Bank of America that deals with the release of titles for manufactured homes. We have been transferred hand hung up on so many times, I have totally lost count. The last time was with the Mortgage Customer Service ( I think ). The e-mail address of the supervisor is : XXXXXXXXXXXX. Was never able to get them to give us a phone number to contact. Person we dealt with there was XXXX. Reference # XXXX The most recent contact was on XXXX XXXX, XXXX but this has been going on for well over two months. We have given them all of the information requested plus more but it seems as if we are whistling in the dark. 
Any assistance you can give us in getting Bank of America to expedite this request would be greatly appreciated. 
XXXX XXXX daughter of XXXX XXXX. 
BoA loan # XXXX ( they ca n't find it )
XXXX University paid the FTC 100 million dollar lawsuit. But they are still trying to collect the money from me, buy sending me Notices and outsourcing to a third party debt collector. All private loans must be dropped, But XXXX XXXX XXXX is still trying to collect the money. But meanwhile they gave me a default clearance letter because they know they are in the wrong. If I owed debt, I would not be able to get a default clearance letter. 

Also, I received a check from the lawsuit for XXXX
I 'm filing a complaint against Midwest Recovery System about a debt I do not owe neither do I have contract with which is illegal and which the debt they claim I owed to XXXX XXXX XXXX. They are in violation of FCRA and I would love this collections account be deleted from XXXX, XXXX, and XXXX for the amount of {$470.00} thats not mine. I would like to be Compensated for the Embarrassment as well
Capital One has held my money and has given no explaination on why I can not receive my cash deposited last year! 

Account number XXXX They keep stalling and sending me to an account security department which leads to a voicemail and no one calls back. Fraudsters and theives of my money!
I 'm asking that this please be removed from my credit reports. It 's been paid and is still appearing as a collection.
Barclays Bank is beyond the worst bank there is. They threatened to charge off my account on XX/XX/XXXX to a collection agency when I offered to pay the minimum of {$40.00} on XX/XX/XXXX. They absolutely refuse to cooperate and all they want is money and is to rip me off!
Approximately one year ago, I received a loan check in the mail in the amount of {$1200.00} from XXXX XXXX of XXXX, Tx. As I was struggling at the time, I went to a bank and cashed it. After spending {$90.00} that same day, I got cold feet and changed my mind ; I decided to return the remaining {$1100.00} to XXXX XXXX the next day. The following day, I did that, handing their rep {$1100.00}. I told him Id pay the remaining {$90.00} the next day. He told me that there would be an additional interest charge of {$30.00} so I would need to bring a total of {$120.00} to satisfy the loan. I agreed to do that. When I returned to their office the next day and handed the rep the {$120.00}, he told me that I would now need {$40.00} more. When I reminded him of the amount he told me to bring the previous day, he lied and denied saying it. I became enraged at this obvious attempt of extorting entrapment and refused to pay another penny. I then walked out. So to sum up, I cashed the loan check for {$1200.00} and spent {$90.00} the same day. The next day I returned {$1100.00} to their office and the day after that, I went back yet again to their office to give them the final {$120.00}. Several months passed and I received a letter from XXXX XXXX stating that I owed {$140.00} and needed to make payment to bring my account current. I was in shock and outraged. They knew very well that I spent only {$90.00} of the original {$1200.00} and I returned the remaining amount to them with interest within 72 hours of cashing their loan check. I ripped up the letter and vowed to ignore their criminal behavior. They proceeded to send me several more letters over the course of several months and to this date, now claim that I owe them {$650.00}. Im so physically and mentally sick over their lies and harassment that not only do I wish to have them stop contacting me. I now also would like to file a lawsuit against XXXX XXXX of XXXX, Tx for harassment and fraudulent debt claim. Can I do this?
I had voluntarily returned a vehicle to XXXX XXXX in XXXX of XX/XX/XXXX. I could not continue to pay for the car and all of the repairs. I was sold this vehicle with a " warranty '' that added thousand s of dollars to the price of the car, but it covered nothing. They are reporting it as if I returned the car in XXXX of XX/XX/XXXX so now my credit is shot. I had built my credit up, but now it looks like I recently had a repossession. They are also reporting an incorrect balance. The terms of the loan are not correctly reported as well. When I call them I am on hold indefinitely. They dumped 6 months of negative reporting on my credit at XXXX time. Their information was not on my report until XXXX XXXX. I was scammed and hurt by them XXXX, now I am going through this again with my credit score dropping XXXX points.
A notice of cease and desist, as well as a request for proof of a contract was sent to the Virtuoso Sourcing  Group on XX/XX/2018.  However, they refuse to respond.  Instead harassing and contacting me everyday, 3-4 times a day since the date listed on the notification letter of XX/XX/2018.