WillisBack/dataset-financial-user-claim huggingface dataset:
My husband & I were involved with the Equifax security breach. 
I registered him ( XXXX XXXX ) with Equifax on X/XX/2017 for a credit freeze with confirmation # ' XXXX XXXX XXXX ... .then enrolled him in their offer for free fraud protection with Trusted ID. However in checking back, he is unable to access his account it says " an error has occurred '' ... ..Repeated calls to Trusted ID involving 3-4 hr waits on the phone on a daily basis were unsuccessful. Their website was non operational. I 've received text alerts about " detected activity needing attention '' ... unable to reach anyone at the phone # listed, nor the website. 
I, XXXX XXXX enrolled with Equifax also on X/XX/2017 with confirmation # XXXX. After repeated calls and online attempts to register for the free fraud protection with Trusted ID after 10 days I reached a person who registered me stating I 'd receive an email within 24-48 hrs to set up a password. Daily calls with waits up to 3-4 hrs have been unsuccessful. No luck via website. Letters sent for credit freeze, no response
BANK OF AMERICA WRONGFULLY AND ILLEGALLY FORECLOSED ON THIS HOME Banks are n't supposed to foreclose on homeowners until they 've exhausted all available loss mitigation options. Per one of my conversations with the Escalation CEO office Department, XXXX XXXX on XX/XX/XXXX, the file WAS in an evaluation process. Currently there is a scheduled sale date set for XX/XX/XXXX and we feel that the sale should have been postponed due to the ACTIVE MODIFICATION REVIEW. Even if the modification were to be denied a few days or hours before the foreclosure sale, the homeowners still has the right for a 30 day appeal time frame or to decide whether they want to do a Short Sale, Deed-in-lieu or reinstate the loan. NONE of these options was granted to the homeowner and this is violating the laws. Only 10 days before the foreclosure sale ; Bank America needed a new updated signed RMA form, Homeowners association statement and the breakdown of the payments for the creditors on the bankruptcy, and the XX/XX/XXXX income tax returns. Why did the representative, XXXX at Bank of America, neglected to tell me that even though they were asking for more documents, that it really did not matter since the sale date was only 10 days from now and that per FHA guidelines, all the documents needed to be turned in 37 days before any foreclosure sale? WE DID NOT EVEN KNOW OF MORE DOCUMENTS THAT WERE NEEDED 38 DAYS AGO, UNTIL 10 DAYS BEFORE THE SCHEDULED FORECLOSURE SALE. I called Bank of America, and was confirmed that all the documents were received and that the file was in the underwriting department and that a postponement request had been submitted since all the documents were turned in. An appointment was scheduled with XXXX XXXX, the single point of contact for XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX XXXX, for which he advised me that all the documents were turned in with FHA and that a postponement was submitted that past Friday XX/XX/XXXX and that the chances of the sale to be postponed were " pretty good since all the documents were in '' Nobody during our previous conversations, including XXXX XXXX, had told us about that specific 37 day time frame plus of any other documents needed until about 10 DAYS BEFORE THE FORECLOSURE SALE DATE. 
It 's not supposed to work that way. Under the federal program, which requires servicers to follow a set of guidelines for modifications, servicers must give borrowers a written denial before foreclosing. Bank of America is breaking the laws and not abiding by them.
I sent a certified letter to Harley davidson financial on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Both times they have stated that they could not find the account, and needed more info, even though they were given an account number. in this time they sold the account to a collection agency that sent me a collection notice on XXXX XXXX. By law, Harley did not supply the info within the 31 days required by law validating the dispute. Also in this time, there is a hard inquiry showing that Harley was notified that was disputed also. this was not validated in the 30 days either
I have been making payments on a medical bill from XXXX Hospital XXXX. The original balance was XXXX. I have XXXX left to pay. 
The last payment I made cleared my account on XX/XX/18. I had one more payment to make. The collection letter for the last payment is dated XX/XX/18. 
I understand that XXXX Hospital is exempt from the Fair Debt Collection Act. This is very wrong. If a person is attempting to make payments in good faith, they should not be permitted to sell my account. It is clear that the individual person thst worked my account was able to make the decision not to send my account to collections but nastily chose to do so. Now I am in jeopardy of receiving a bad debt on my credit report when I have been paying the bill. How is that fair to me?
TD Bank has a loan on my credit report that no longer exists it 's for XXXXplus dollars
In XX/XX/XXXX I took out a loan from advance America. The process is handled by providing paper check for the total amount borrowed that they hold until the balance loaned is repaid. I paid off my loan per request in person. The full amount of the original loan without deduction of any payments was still drafted from my checking account two years later! On XX/XX/XXXX. The back story being due to employee error ( or theft ) I was not charged the proper interest amount to pay off my loan in full despite being told all payments had been completed and a 2 year gap. Advance America contact and harassed me repeatedly starting in XX/XX/XXXX once they found the employee error requesting that I pay back the missed interest on my own accorded. ( a sum of roughly XXXX ) I declined on every occasion and explained what happen and that I shouldnt be found at fault for employee error 2 years later. I honestly believe this was a case of employee theft were the payment may have not been applied or missed applied to the loan. Today I viewed my account to see that it was drafted illegally. I have contacted my bank to report fraud and plan to peruse every avenue I can against them.
i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XX/XX/XXXX ; XXXX XXXX  {$6600.00} XX/XX/XXXX ; XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX from the year of XX/XX/XXXX-XX/XX/XXXX. By law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXX XXXX XXXX/XXXX in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XX/XX/XXXX-XX/XX/XXXX which  also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX  from XX/XX/XXXX which should not be reporting. State of MI Office XXXX in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX /XXXX/XXXX opened in XX/XX/XXXX that also break the SOL.
For the 2nd time is as many years I 'm filing a complain against Ally for the same reason. I 've been billed for taxes on my leased vehicle. I called Ally and spoke to some woman in XXXX that had no idea on how to help me and told me to contact my tax professional for assistance. When I asked to speak to someone in the XXXX she said no one was available. At this point I 'm seriously considering hiring an attorney to sue Ally for harassment and if possible or incompetence. In the state of NY, taxes are included in the lease payment. I, along with most people, feel that someone legally can not be made to pay the same thing twice ( double taxes ). Last year, someone from Ally ( whom did n't even apologize ) said that it was their mistake and that the 2nd and 3rd bills went out before the correction was made to the account. So what 's the excuse now? Incompetence? Illegal business practices? Whatever the reason, I 'm not paying twice for the same thing.
ON XX/XX/XXXX, I completed a credit application online to XXXX XXXX XXXX. XXXX refuses to give me a decision regarding my credit application. The dealer, XXXX XXXX in XXXX also will not give me a written decison on my loan simply stating : " they dont offer a loan for your type of credit situation '' XXXX also ran a credit application without my permission.
Over the last 3 years I have went through several hardships. XXXX full term layoffs on unemployment and a divorce. I've been working with XXXX to retain my home and get a principal reduction and modification. I have been going through this process only to be denied for amount and time delinquent that I find at fault the the mortgage company PHH. On numerous occasions over the last 2 years they used the 60 and 90 day periods between XXXX visits not requesting a single document. Then several other times only requested statements, and stubs the things that go stale. After 2 years they deny my claim after building a huge file and say I can appeal. 3 months later I won the appeal and just received a trial that the payment is substantially higher than the original payment. No information on anything or why its so high. They sent paper work numerous times about an appraisal to revalue the house and nothing. My credit counselor advised me to write and see if there is anything you can do to assist me. I got my own appraisal and the house is worth almost $50,000 less than the loan. Several references show the house being worth XXXX. The loan is XXXX. On top of the payment being higher than ever.  Please assist. I would really like to keep my home. I've obtained great employment time and time again. Have done everything asked from me and won the appeal. Only to have the payment raised substantially.
I did n't owe the debt this company tries to collect. I do n't even remember I was with the service provider and If I was using their service, I always paid in full any balance that I owe.
I was a victim of predatory lending at XXXX XXXX XXXX XXXX and am being harassed by Navient and XXXX for over {$260000.00} in student loans. XXXX was never able to finish my degree as they never told me that they were in financial trouble, were unable to retain the XXXX. When they were ready to file for bankruptcy, they sold their non-profit college to XXXX which was a for profit college. They did not request permission to sell the non-profit college to a for profit business, which requires approval of the Attorney General. They did this behind the AG 's back and it was too late to unwind the deal as it would have hurt all of the currently enrolled students. I was in the XXXX and could not get XXXX for weeks and sometimes months at a time while being billed for dorms and other expenses including classes that I took only for the credits, as I could not get in the XXXX.. Due to the sale of the school, many of their XXXX quit shortly after. They just kept telling me they needed more and more money and kept penalizing me for not completing the training on time despite the considerable delays that they were responsible for. When my father & I went to a meeting with XXXX, XXXX XXXX told my Dad he could not guarantee any improvement in securing XXXX, and he did not recommend that we give any further funds to XXXX XXXX XXXX XXXX because he and all of the XXXX were given " pink slips '' with out termination dates on them from XXXX. He had no idea what was going to happen next. Soon thereafter, the Attorney General apparently stopped XXXX from shutting down the XXXX I ended up having to go to Florida to complete my training at XXXX in XXXX. I have never received my transcript because XXXX wanted me to pay them additional funds to receive it.
My wife has her house financed through the Virginia Housing Development Authority. In the last year we have had to change our home insurance policy on that house. VHDA has continually made mistakes with correctly paying out the policy to the provider XXXX XXXX insurance Company with XXXX as the agent ) via the escrow account. It was so bad that at one point because VHDA paid out to XXXX wrong insurance providers, who were not XXXX, XXXX and XXXX informed us that they were going to drop us due to non-payment. We thought we had that whole issue taken care of in the XXXX timeframe of this year. However about XXXX months ago we got notified by VHDA that the escrow account was shorted by over {$1200.00} and therefore the mortgage payment on the property was increasing by over $ 200/month to cover the shortage. The reason for this shortage was because VHDA had paid out, twice for about {$1200.00}, insurance companies who were not our providers. Therefore After spending over XXXX hours on the phone with XXXX trying to understand what the issue was and who caused it, my wife and I thought we had this issue taken care of. VHDA even sent us an annotated print out showing where they had sent out XXXX incorrect payments, received return payments from those companies and finally paid out, correctly, to XXXX XXXX. Therefore, my wife and I thought everything was taken care of both with XXXX, to ensure we had insurance on the house, and VHDA, such that there was no longer a shortage in the escrow account. However, when we went to make the monthly mortgage payment this month, the payment amount reflected an amount that VHDA told us we would have to pay because the escrow was short funds. What I am filling a complaint about is this issue. Why do I have a document from VHDA showing that my escrow account is in good standing and any issues with the lack funds in the account are as aa result of their mistakes and not ours as a homeowner, and somehow I 'm still responsible for missing funds that should n't be missing from my account in the first place. This issue has been ongoing for almost a year and we would like it resolved. 

ThanksXXXX and XXXX XXXX ( XXXX XXXX )
Here is another, and the XXXX in a series of complaints that Equifax is attempting to not formally respond to. 

There is no credit repair or fixer, involved in any of my disputes, adding this as a means to dismiss this dispute becomes a willful dismissal. There is a penalty for each dispute filed, and EQ employees are creating XXXX at this point. 

Equifax 's comments '' *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. " Equifax has been manually updating reports making them inaccurate, these Tradelines now reflect as not being paid - and closed. This is a trending issue, and as such -- I do not agree to resolving this dispute outside of this portal. These defects in the record are the result of EQ making changes, and not the source. 

ALL of these accounts are CLOSED and PAID, and at some point stored the correct designation. They were updated and innacurate. I DO NOT agree to have these positive Tradelines, deleted because EQ manipulated the data, it must fix it. 

The following CLOSED Tradelines - have a " N/A '' Activity Designator, and should not. 

Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. XXXX XXXX is the only XXXX reporting correctly. 

Credit LimitXXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX DCShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX BANK XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED
unsolicited cellphone call on XXXX/XXXX/17 at XXXX XXXX went to voicemail, meaning a phone service charge to contact the voicemail service. I do not have any overdue bills or debts.
on XX/XX/2018, i sent Exoerian a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! 

The Only address that should be listed is XXXX XXXX XXXX XXXX , XXXX XXXX, Va XXXX My name is XXXX XXXX or XXXX XXXX all other name variations must be deleted This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail. They have failed to update their database, and the entries should be deleted.
Knight Adjustment Bureau put a collection on my credit without sending me any notice. They did not send a 30 day right to dispute notice. The debt was already settled with the creditor.
I was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX XXXX XXXXXXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute this.
I got a loan from Cash Call for {$2500.00} - a year later, I 've paid it back and more. I finally was able to pay off said loan so I logged into my account, noted the payoff amount and mailed a check. ( They do not make it easy to pay online. ( ie need to make mult payments to pay full amount - plus fees for each payment ) I mailed a check - now they say that 's NOT the payoff amount because they got check 2 days later. And they want more money! 
I will NEVER again do business with Cash Call and DO NOT recommend them. They are PREADATORY.
Attempted to get my free annual credit report from XXXX for more than 2 months now. Experian still does not allow that website access. 

**WEBSITE QUOTE** We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **END QUOTE** I have gotten this same message for too long. I thought that it was the law that this information is made available to consumers and that this website is where we are supposed to go to get this information.
I recieved a phone call from PAM, LLC while I was at work. When I called them back the woman whom I spoke with said that I took out a XXXX $ loan in XXXX and never paid it back. Further more she accused me of closing my bank account so money could not be taken out as payment. I told her that I did not do any of that. I looked into a loan but never took XXXX out. She go angry and trie to proove her self by telling me my Social Security Number, Email Address and Phone number. She said I could pay her over the phone or meet to try and avoid the corts. I told her I wanted proof so she e-mailed me a colection notice. 
After two days of recieving the e-mail I recieved another phone call by this time I had recieved all bank statments as well as confermed with my bank that I have had a open bank account seince XXXX. I said I would meet too look at any real evidence but I would not pay by phone. She got angry and said that they do not meet and that because I am not going to pay that this will go to the next level of action.
We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky Tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law KRS 383.625 to terminate our lease. We sent a certified " XXXX '' letter to the landlord explaining our reason for terminating our lease. We paid the entire month of XXXX 2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.
XXXX/XXXX/XXXX I am writing this letter on behalf of the lack of concern, underhanded tactics, a total disregard and disrespect of customers, conduct unbecoming of professionals whose job is to deal fairly and justly with customers facing financial hardships, regardless of the cause of the hardship. 
On XXXX/XXXX/XXXX, I filed a Chapter XXXX bankruptcy in an attempt to get a handle on my debt. I received a letter from Green Tree Servicing LLC, informing me that my loan was being transferred from XXXX XXXX to their company and would be in effect on XXXX/XXXX/XXXX along with my new account number and the mailing address. 
The bankruptcy was discharged on XXXX/XXXX/XXXX, but I kept receiving monthly billing statements and was paying them because I was told that I still had to pay because this was owed and if I did n't, I could very well lose my home. 
On XXXX/XXXX/XXXX, I made a decision to see a credit counselor to try and clean up my credit. When I received a copy of my credit report, both Green Tree Servicing LLC and XXXX XXXX XXXX appeared with the same outstanding balance of {$25000.00}. I requested that XXXX investigate and correct the account. 
I made payments to Green Tree Servicing LLC from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX in the amount of {$3900.00} ( USA Dollars ). I attempted to to speak to Green Tree Servicing LLC concerning the matter, but, I was given the run around and told that someone would contact me but no one ever did.