WillisBack/dataset-financial-user-claim huggingface dataset:
I want to protect my families credit. 
i being the head of household should be informed and in control of all credit requests. 
how this is not tied to my email or cell phone number is beyond ridiculous. 

lets get into this century. 
if i want to access my bank account i need a username/password and then you need to have my PHONE with a 2step verification password. 

but to open a new credit account in my name you need just some basic data ... .and then i may need to prove that i did n't open it? 

equifax breech shows you that its time to modernize your system of allowing credit based on nominal information that can be easily scraped and hacked. 

how is it allowed that people could open credit on my behalf without contacting me directly using verified contact/adress/phone/email methods? i understand that not everyone is so savvy but let me enroll in 2step as i want to actively monitor and secure my credit. not let it passively be passed around. 


its ludicrous. 
now i need to monitor my credit or freeze my credit and then pay to unfreeze? 
thats how i make sure i 'm secure? 
or pay someone else to do so? 


this is bull. 
figure it out.
I never received my bills / email stating I was past due. I was past due because of an annual fee this company charged. I get paying the annual fee but they reported me to my credit bureau as past due in the amount of XXXX. This should be illegal to report me based on a fee they charged, chRge a fee for the fee and report false information when it wasnt past due XXXX. I want a deletion letter sent to remove these off my 3 credit bureau reports and an explanation why I never received a statement, a phone call or an email about my past due balance - If I never signed in online Id never have known.
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of  XXXX   XXXX  90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
this is our offer from ocwen loan co. for a trial modification. our interest rate goes from 5 % to a bit over 2 %. our payments were XXXX a month, 4 yrs. ago when we first started begging for help.now they will go to XXXX a month with our principle balance going from XXXX to XXXX and at then end of term our balloon payment will be XXXX so i ask you do we lose our home now or do we lose our home when we are old and cant even work probably. if i sign this so called agreement with ocwen does it forfeit my rights to sue them? and if i enter into this agreement with them so we dont lose our home does it make all the wrong things they have done, like just this yr. signing off on our paperwork at the XXXX co recorders office, be ok? if we sign the agreement to keep our home are we losing our rights to sue this co?
On Friday,XX/XX/XXXX I called CapOne 360 at their phone number defined as " Sales/Service Number : XXXX ''. I wanted to open a CD in the maximum amount covered by FDIC insurance and I wanted to title it in my name with my husband as the beneficiary of a POD. 
The gentlemen I spoke with told me that " temporarily '' CapOne 360 is UNABLE to write POD 's. I asked him why and he said the laws are different in all 50 states and we're trying to streamline our POD forms. Until such time we are unable to write POD 's. I asked how long this temporary situation had been in effect and he said " about a year ''. 
Currently there are only a couple banks offering 2 % on a one year CD. I have been a customer of CapOne as recently as XX/XX/XXXXwhen my last CD with them matured. 
I chose not to do business with them now as they are currently not offering a product that I thought was allowed by law and has always been an alternative in the CD marketplace.
Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, Ally Finan I, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please help my get these off my credit report.
I was pressured into repaying student loans that were in a grace period. At the time I should have started the repayment, I was already starting to fall behind. Now my credit report shows late payments that should have never been payments and XXXX says I only get XXXX grace period for my lifetime. This is convenient for them to say when I have an issue with my XXXX grace period that took place nearly 10 years after the XXXX. I have request documents from 2005 but they have not arrived.
I am writing this complaint against XXXX XXXX XXXX in XXXX XXXX, WA. Specifically a lady named XXXX XXXX XXXX. I called her back in the beginning of XXXX for a debt from a landlord. She threatened to 'see me in court ' and hung up. I called back and asked to speak with someone else and they persisted to transfer me to XXXX XXXX. They have proceeded with court and so I responded with a letter and filed it with the courts. 3 weeks later got a letter from the attorney saying I had failed to respond and somehow got the judge to sign off on it. So I let XXXX know that I in fact had responded. In that conversation, I again tried to compromise on a monthly amount ( I had in the past and she was unwilling to budge at all ). We settled on XXXX a month but I informed her that I get paid on the XXXX and XXXX of every month, She then said nope we HAVE to have a payment in by the XXXX. I told her that waiting a weekend until the following Monday wouldn't hurt. Still unwilling to budge. Unless you do exactly what they want when they want it, it doesn't work for them. I have reached out to my community to see if they have had any issues with them a TONS of people stepped forward to say that they all have been treated very poorly, one even thrown in jail and a warrant out for their arrest. I dont understand how the courts keep letting this agency do the things they do and treat people the way they do. Everyone makes mistakes, everyone has debt, doesn't make you a bad person or worthy of that kind of treatment.
I filed a complaint before and XXXX XXXX was helping me she did helped me get some of my money back. I submitted documents showing that fraudulent use of my bank account goes back to XX/XX/2017. She directed me to upload my bank statement and the police report. I have attempted to call her on numerous occasions and she have not returned my phone call. Talking to USAA call center Is like talking to a brick wall. Attached is a Letter from the USAA rejecting the rest of the money that is owed to me. USAA DID NOT GIVE ME SUUPORTING FACTS THAT MAKES ME LIABLE! This attached statement is not enough for me we are talking about 11,000 dollars!!!! USAA owes me supporting facts why I am liable for a person using a XXXX card THAT DO NOT HAVE MY NAME ON IT!!! and was getting money out of account! I can not even get them to close THIS ACCOUNT TRANSACTIONS ARE STILL GOING THROUGH! IT!
We paid our state property taxes of {$1800.00} in XX/XX/XXXX per advice from our CPA, and instructed our mortgage holder, US Bank, by fax on XX/XX/XXXX to not make that payment when it was due from our escrow account. They paid the state property taxes despite our instructions, resulting in a double payment. The county would only refund the overpayment to the bank, who was then supposed to return it to us. We have been attempting to get that refund since we discovered the error on XX/XX/XXXX. Representatives from US Bank have repeatedly said by telephone that they were issuing a work order to send a check for the refund. A senior representative stated by telephone on XX/XX/XXXX that the work order was not completed properly, and promised a return call on XX/XX/XXXX. We did not receive that call. We then called again on XX/XX/XXXX, and after 45 minutes on the phone finally got a promise from the call center supervisor that she would expedite the payment and follow up with us. After numerous calls and months of attempts, we are hoping that we will finally get a refund of an amount that should never have been paid by the bank. US Bank has held our money for an extended period of time and have made no effort to resolve the situation.
TransUnion is reporting a detogatory collection from XXXX from XX/XX/2008 that should have been deleted after 7 years. The account has been on my report for 10 years and 10 months.
TransUnion is erroneously reporting XXXX account as a rolling 120 days late even though this was paid as agreed and settled on XXXX. Other credit bureau agencies are reporting this correctly. 
I am requesting that the above referenced item be reported as current, not a rolling 120 days late. This dispute was also completed on-line. This account was paid as agreed and settled as of XX/XX/XXXX2014. 
Be advised that this information is damaging and prohibiting me from securing a loan for the purchase of a home for me and my family. 
I am also requesting the receipt of a copy of the corrected credit report within 30 days of receipt of this letter along with an attached letter that reflects the above changes.
In XX/XX/XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XX/XX/XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.
Monday, XXXX XXXX, 2016 I am not agreeing to pay for errors made by Wells Fargo in setting XXXX sale dates for my property which when challenged led to the withdrawal of those sale dates. 

Wells Fargo has had to withdraw these XXXX sale dates placed on my property because they were in error when the dates were set and because they have mismanaged the servicing of my loan and my request for mortgage assistance. As the lender is well aware, they had to withdraw sale dates set for XXXX XXXX, XXXX XXXX and XXXX XXXX, 2016. 

I do not expect nor will I accept the costs associated with these XXXX sale dates to be added to my loan. I am disputing any charges for these XXXX withdrawn sale dates and expect Wells Fargo to confirm here that no charges will be made to my account for this purpose. 

XXXX WITHDRAWN SALE DATES A TIMELINE OF COSTLY DELAYS & MISMANAGEMENT In spite of the fact that XXXX XXXX XXXX XXXX XXXX ( XXXX ) had already pushed back a XXXX XXXX, 2016 sale date due to servicing errors and received written confirmation dated XXXX XXXX from Wells Fargo that I had until XXXX XXXX to provide documents according to a checklist they provided, Wells Fargo still set another sale date for XXXX XXXX, 2016. 

When XXXX challenged the lender 's basis for setting a third sale date, Wells Fargo withdrew the XXXX XXXX sale date. 

In. XXXX XXXX letter, XXXX XXXX XXXX states that no sale date was in effect when in fact her office had set a sale date for XXXX XXXX. On XXXX XXXX, she stated that only XXXX document was needed to complete my loss mitigation package and that document was provided to her during the call with XXXX XXXX XXXX, XXXX. of XXXX. XXXX challenged the XXXX XXXX sale date and it was also cancelled. 

On XXXX XXXX, I wrote Wells to follow up on my request for mortgage assistance. XXXX XXXX XXXX called me soon after to tell me a sale date had been set and that he was escalating inquiries about my application. Subsequently, the XXXX XXXX sale date was withdrawn.
Wells Fargo is soliciting their CC customers for balance transfers and subsequently turning their card products into " no grace period on current purchase '' as a result of the cardholder taking out a BT offer.
I 've had multiple problems with this company. The first is that the debt that they have listed on my credit reports is not valid, meaning I never owed  XXXX   XXXX   XXXX  any money. I cancelled my  XXXX   XXXX   XXXX   XXXX  account years ago and there was no money owed on the account when it was closed. The problem is, the agents at  AFNI ( debt collection agency )  refuse to investigate this issue and have only responded to my mail correspondence with form letters. Furthermore, they have " re-aged '' the debt illegally after I 've spoken with a phone agent ( this happen ed on two occasions ). When  I say " re-aged '', I mean that they reset the beginning date that the debt was incurred causing this account to appear on my credit reports much longer than the usual 7 year time frame. My understanding is that a collection agency can only do this if I agree to a payment arrangement ( which I have not ) and then default on said arrangement. The only thing I 've ever told them by mail or over the phone is that this debt is not valid ( not mine ). I 'm getting very frustrated with them and have hired an attorney to try to get them to remove this from my  XXXX  and  XXXX  credit files  (  does n't appear on my  XXXX  report ). I also will no longer call them due to their unscrupulous tactics. I 've uploaded the latest correspondence that I 've received from them which is essentially a form letter. They 've sent me this same letter each time that I 've written them.
yes on our sears credit card.like too find out from collections if i can maybe cancel card.cant afford high monthly payments.way too high???? like too talk too collections first before i might close account. please have them call me XXXX XXXX XXXX its my moms account but i have power of attorney too
They keep calling my cell phone, which is illegal. They have also called me at work. 

The company in question harassing me is known as Enhanced Recovery Company ( ERC ) XXXX They are calling me from XXXX.
I entered into an agreement with ATTUniversal/Citicard to pay a credit card debt, The agreement was negotiated by XXXX XXXX XXXX and the payments were made thru them. I have copies of my signed agreement from XXXX and the agreement letter from Citibank. 
The original contract stated that I would pay Citi {$570.00} per month for a total of 12 months. I have copies of the front and back of each of the 12 cleared checks. The checks are dated XX/XX/XXXX thru XX/XX/XXXX. Since the final payment, Citibank has continued to report to the three credit bureaus that I owe them {$10000.00} in spite of my proof of the agreed-upon payoff of 12 x {$570.00} = {$6900.00}. Twice, I have sent them XXXX 1 certified return receipt mail and 1 fax XXXX copies of the cancelled checks and both the XXXX and Citibank agreement letters. They have never acknowledged receipt of any of them. The account has been moved to four different collection agencies who can not provide proof of the check that allegedly did not clear. They just repeat what Citibank has told them " The XXXX XXXX check was returned for insufficient funds. And I, once again, owe them the original amount of $ XXXX. " There was no XX/XX/XXXX check. The XXXX and final payment was XX/XX/XXXX. I have repeatedly asked for proof of the NSF check but have never received it. 
I have written the credit reporting agencies asking them to remove the incorrect information, to no avail. 
Citibank continues to say the NSF check broke our contract and I still owe them the {$10000.00}. I would like to see this item removed from my credit report and marked " paid as agreed. '' Please note this has been going in for more than a year and been circulated to four different collection agencies with NO help from Citibank.
Was not notified before going this was submitted to go to court, nor do I know what the collection is referenced to. The court order allowed this law firm to get payment directly from my bank account and had in fact depleted my son 's savings account to which I have not a clue as to how they were able to get his account number.
I signed an on line contract for a XXXX loan ( I live in the State of Illinois ) the loan is for XXXX payments in the amount of XXXX XXXXXXXX98.4 % interest rate. 
The loan started in XXXX XXXX XXXX and I have made 7 payments, sometimes paying before the due date and extra. The company has taken all of the payments except for approx. XXXX and has applied it to interest. 
I was not aware that this was illegal in Illinois and that the max pay day loan is for 6 mos. 
I tried to speak with them to change my contract per IL law and they refused. My last loan payment is due in XXXX XXXX please help me to void this illegal contract
I have a checking, saving and a credit card from Chase bank on XXXX XXXX XXXX in the morning Chase alerted me to a fraud attack on my check card XXXX charges. I called in XXXX that morning I find XXXX more, XXXX from the some company the other from another company on XXXX done XXXX in the morning. Chase took care of the charges, closed the account and ordered new cards great. Then I start seeing charges from the closed account on my new account so I called I was told that setup payments would still be made out of closed account on my new account. I mad and scared at the time, I told Chase this could happen he told no it could not boy was he wrong on a recorded line too, the people that have my card can setup payments if they like under different company names which my have happened on XXXX for {$49.00} XXXX cleverbridge. My husband or myself did not order it so I have to now have my new account closed again and reopened yet again. Another person that would stop in a couple of days two weeks it is still happening.. I have XXXX more charges from my old account on my new account. Now on what they have done to with our checking. We had a scam/fraud company playing with my husband 's federal student loans that they did not do anything with. We payed them XXXX payments of {$230.00} each XXXX in XXXX, XXXX in XXXX. We were told by the student loan people to be charge backs the bank stated they could not help us it was not 90 days old. If they treat us this way how many others have they treated this way.
On XX/XX/XXXX I called in to Evergreen Professional Recoveries to pay off an account they had under my name. I paid the balance in full, and was told that I would be receiving confirmation of this within 7-10 days. 

I waited 10 business days before calling back on XX/XX/2017. I was informed at this time that the letter had not been sent out, but it would be the following day, and that I should expect to receive the confirmation letter no later than Friday, XX/XX/XXXX. I waited until Monday -- still no letter. So I called again. This time, I was told I would be emailed the confirmation within 24 hours. I agreed that this was fine. 

Next day - no email, still no letter. I called in again and this time asked to speak with a supervisor in an attempt to expedite the process. What follows is my reason for submitting the complaint. 

First, XXXX came on the phone. She was rude, interrupted and talked over me while trying to explain what I had already been told. She would not let me speak, so I asked for her manager. She put me on hold for several minutes before returning and briefly attempting to apologize ( at least, I *think* it was some form of an apology ). She then placed me back on hold to speak with her manager. 

This man 's name was XXXX. He was equally as rude, combative, and unprofessional as XXXX. He never acknowledged the false promises that were made and refused to send me the confirmation email. 

I still have not received the confirmation of payment, which posted now 25 days ago.
We have a bill from XXXX in XX/XX/XXXX from a anesthesiologist. It should of been sent to the insurance company and didnt know we had a bill until roughly a month or so ago when the collections agency ( Midwest Service Bureau ). The XXXX person that called me at work was XXXX XXXX by far the most unprofessional rude person I have ever talked to. She was raising her voice telling me she knew we had money and that we could pay the payment of {$75.00} a month. I told her I could n't do that right now just not possible. I can for sure give you {$25.00} maybe more each month but {$25.00} for sure. She said that was not acceptable and would n't accept my {$25.00}. Comes to find out she had called my wife just before that and ran her completely down to the point of her almost crying at her job. The stuff she said to my wife should of never been said. Talked to a XXXX lady who I believe was the manager XXXX XXXX. She was nice the first time and told me what XXXX offered wasnt correct and that it had to be XXXX payments but would do the {$75.00} since it was offered. Told her Id get back with her and see if they would settle for XXXX. Got a call back and said they wouldnt told her Id see what I could do. Got a call back a week later told her I had nothing but could give {$25.00} She insisted that wont work and its {$75.00} or full amount or they will take it to the next step. She this time was rude just like the last person. I have never been talked to like that and wouldnt wish it on anyone. My wife should of never been talked down to and ran into the ground like she was. I was kind of rude when the lady got rude on the phone the last time but what to you expect when you treat someone like XXXX.
Their was a Derogatory Remark about a Collection put onto my credit report with all   XXXX   credit reporting agencies. The remark indicates that I owe  XXXX  {$3800.00} and this account is now in collections.   - I have never had an account opened with  XXXX , and there is no credit account open on my credit report with  XXXX .   - I have also never been contacted by the collection agency, Convergent Outsourcing, about this or any other collection.
contacted my work after i spoke with them and said do not call my job i will do my best to resolve this issue then called my employer and spoke to my manager and started asking questions about do i work here and so on ... Not only did they do that XXXX also called my mother and harassed her about making a payment saying that we will bring you to court and you will pay double if we do n't make a payment today my mother was crying and upset they disclosed my personal information with not only my loved ones also my co workers and they are all in distress including myself i had to leave work and my lawyer is now aware of the situation thanks i hope we can resolve this matter..
XXXX/XXXX/XXXX {$370.00} XXXX XXXX XXXX XXXX claims there is an unpaid lease charges reported by Toyota Financial Services. XXXX XXXX claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX all obligations have been fulfilled and their record shows a XXXX balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from XXXX XXXX XXXX XXXX, and confirmed my lease payment has been fulfilled and account was closed since then.
I applied for an installment loan through discover bank. My credit worthiness was the reason for the denial of the loan. I have credit over XXXX and have even been mailed approval letters from Discover as well. I am disputing the fact that discover has denied my installment loan and would like a further explanation in their approval process as it is misleading in their advertisements.