WillisBack/dataset-financial-user-claim huggingface dataset:
Cohen & Slamowitz LLP in XXXX NY somehow obtained a default judgement against me for {$4700.00} in XXXX county Supreme court. Acting on that judgement ( alleged service made 10 years ago ) my checking account was seized ( XXXX in XXXX NY ) The account contained XXXX+-. As is common, the entire account was frozen. Then Slamowitz got another judgement for the total amount in my account and the entire amount was frozen for the last year. I investigated this claim and found that Slamowitz contends that service was made at an address ( XXXX XXXX XXXX, XXXX NY ) at which I never lived. I have no knowledge of this debt, and as a former XXXX XXXX, I know what a " Sewer service '' is. They claim they are representing " XXXX XXXX '' who apparently purchased the alleged debt from XXXX, On XXXX XXXX, 2010, XXXX, XXXX, UT was closed by the Utah Department of Financial Institutions. THIS DEBT IS TOTALLY BOGUS, and I contend that the seizing of my funds from XXXX amounts to little more than theft. The " Service '' was fraudulent and the judgement should be vacated forthwith.
Experian is still reporting a account with XXXX XXXX on my credit file, after i have filed a dispute and asked for written verification several times. Both XXXX and XXXX have removed this account. Experian has not and will not provide me with any documentation that this account is mine. I have requested for them to follow suit with the other credit bureaus and they still have not responded. When i call they transfer me to a " special handeling dept '' and i just keep getting the same answer, " it has been verified '' well, if that is the case please have them tell me how it was verified and by what means, provide me with some kinda documentation. This is affecting my credit score greatly, i have a 100 % on time payment history and i am in the process of buying a house and i need to have this taken care of in order to proceed. The account is reporting paid in full but if its not my account and its paid in full why havent they removed it? Please help me resolve this issue so i can continue on my home buying journey. Thank you in advance
This inquiry is shown on my credit report : New Inquiry Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : XXXX Phone : ( XXXX ) XXXX Type of Industry : Utilities & Fuel Address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX I called XXXX and they confirmed that I do not have an account with them. They have no knowledge of this inquiry. The representative suggested I file a complaint with consumerfinance.gov.
My Home Affordable Modification became effective XX/XX/2012. I've been making my payments as agreed in the modification. In XX/XX/2012, Chase transferred my loan to XXXX XXXX XXXX, XXXX. Months after the transfer to XXXX, I noticed a prev-prior servicer fee of {$4900.00} on my monthly statements. XXXX, couldn't give me an explanation of the fee other than it came from Chase Bank. I've tried calling Chase several time for answer but I received the same reply, we are sorry but we don't have any information about your loan because everything was transferred to XXXX. Finally, after putting my dispute on paper, I received a response from Chase Bank that has me even more confused. My Home Affordable Modification states that I would have a new principle loan balance of {$210000.00} which includes all amounts and arrearages that will be past due as of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, " unpaid amounts '' It also state in the preceding paragraph of the agreement that all unpaid late charges that remain unpaid will be waived as of the Modification effective date.
Equifax stated that they could not provide me with an online credit report because of their system having problems. The other XXXX credit reporting agencies ( XXXX and XXXX ) had no problem providing me with their versions of my credit report history. I would think that a company as large as Equifax could keep their computer reporting system available at all times instead of just putting me off and saying that they just ca n't provide that information during my official request. I need this information NOW so that I may clear up any inconsistencies and correct any errors. I would like to file a formal complaint.
i contacted CHASE regarding a fraudulent charge on my account. However CHASE refuses to look into this matter at all! We have been CHASE clients for 20 years and they don't want to provide necessary security and or investigate fraudulent charges on our account. I conference called CHASE with my husband on XX/XX/2019 and their Claims department that handles issues such as fraudulent or unauthorized charges didn't want to help us we don't understand why and they refuse to further speak with us about this problem. on XX/XX/2019 we spoke with XXXX working for CHASE located in the XXXX refused and caused immense emotional distress to my wife. This not believable that our own bank CHASE is helping these fraudulent charges occur i sincerely believe they are in genuine and unwilling to help us with this issue. The merchant that took the money is a hotel in XXXX, Arizona and we had disputes with them regarding charges from XX/XX/2019 that we contacted the hotel and they advised us to contest the charges and their owner would call us back, we never heard back until they ran our bank card information again on XX/XX/2019 which prompted us to contact CHASE right away.
On XX/XX/XXXX TD bank set up landlord tenant account for my XXXX XXXX XXXX, as required this account needed to have my name on it. I was not aware of this account as is the norm however I assumed my landlord would set up the account as was required by our lease agreement. 

On or about XX/XX/XXXX a new account appeared for me XXXX XXXX in addition to the one account I had with TD Bank. I had not seen this account before and was frankly surprised and confused by what it was. So I went to TD bank and they informed me that it was in fact my account my money. At no time did they indicate that this was in fact a landlord tenant account. On or about XX/XX/XXXX TD bank froze my account and set up a debit for over 4000 dollars. 
After I discovered this I went to the bank to find out what was going on and I was told that in fact the account that became visible available to me in XX/XX/XXXX was in fact landlord tenant account and the funds with that account I should not have been able to access at any time nor should I have been transacting any business on that account. 
So after visiting the branch in XXXX NJ I was put in contacted with XXXX XXXX from TB banks fraud unit he told me that account was frozen for unjust enrichment and acknowledged 1. My having access to the account is a td bank error and 2. That the landlord had filed an affidavit seeking the restoration of funds to the account. 
The account was Frozen from XX/XX/XXXX to XX/XX/XXXX the debit from my account caused the account to be over drawn. In addition my direct deposit could not be processed as TD bank indicated to my employer XXXX XXXX  XXXX that the account was closed. 
TD Banks behavior in this instance is outrageous. They would not provide me the affidavit they did not contact me prior to taking action and NONE of this would have occurred if TD bank had not changed made the error that created all of this. There was ZERO due process and zero communication with me. If there was I could have worked with the bank and resolved this issue without costing me overdraft fees and without messing up my direct deposit. I will pursue legal action ; that at this point is not in question.
Received denial letter on XX/XX/2017. Per the denial letter my credit report and score were pulled by SageStream , LLC. This is a company that Ive never heard of/or has not made services available online to where I can see if the information being reported is true and correct.
This complaint relates to a credit decision made by XXXX XXXX for a HELOC that I applied for on XXXX XXXX 2015. I was subsequently rejected as a result of a credit score pulled by XXXX XXXX 's mortgage company through Equifax. 

In the rejection documentation I received, I was informed that my credit score as per Equifax was XXXX, with a number of negative factors impacting my score. I subscribe to real time credit monitoring, and as of the day the inquiry was made on my credit, my Equifax score was reporting as XXXX. To confirm, I then purchased my Equifax score directly through the Equifax website, which shows XXXX as of XXXX XXXX, post XXXX XXXX 's inquiry. 

I reached out to XXXX XXXX to determine why there was this discrepancy in my credit score, which was directly responsible for my application being rejected. They were only able to tell me that they were using a report and score provided by Equifax on XXXX XXXX and that I should contact Equifax with my question. I went onto the Equifax website ; there is no way to dispute this type of discrepancy online. I am only able to dispute specific information on my credit report, which does not apply here. Additionally, I tried contacting them via phone ; there was also no means through which I could have this addressed via phone. 

My complaint summary is as follows:1 ) The Equifax report provided to XXXX XXXX on XXXX showed a credit score of XXXX. The Equifax score I purchased on XXXX showed a credit score of XXXX, much higher than the reported score to XXXX XXXX. I am complaining about the dramatic difference in scores, both of which came directly from Equifax, and led to the rejection of my HELOC application. 
2 ) I am also complaining about the difficulty in resolving this directly with Equifax, as they have made it nearly impossible to do so. 
3 ) I am complaining about the impossibility of knowing what my actual credit score is and being denied credit despite having good credit, according to Equifax themselves. How am I able to understand what my credit score is if Equifax themselves can not agree on what my credit score actually is? 

I have attached a copy of my credit score which I purchased from Equifax today ( File Name : Equifax FACT Rpt ) as well as the rejection letter I received from XXXX XXXX ( File Name : XXXX XXXX rejection ). You will note the dramatic differences in scores.
Age/retirement status discrimination. 

I assisted my mother in applying for a Paypal Credit line and she was instantly denied. I then tried to apply myself and I was instantly approved for {$500.00}. Then I tried to raise my credit, and was denied. Paypal 's service stated that there would be an email followed by a letter describing why my mother was denied. I received an email promptly upon denial for the credit limit raise as well as a letter within 5 business days with my XXXX credit score and reasons for denial. My mother, however, did not. I have contacted Paypal on three occasions now and was hung up on and given a run around on the first message communication which disappeared. I have submitted another message communication on their support site and the employee is telling my mother to reapply repeatedly in order to check if she can get a Paypal line of credit and refuses to acknowledge or address the fact that she was denied proof of reasoning through a respectable credit reporting agency, specifically in this case XXXX which is what Paypal is using. 

Considering my score is XXXX and my mother 's is XXXX, her credit card is connected to me so I reflect those debts and revolving accounts, and I have a negative medical debt, as well as no job or income, it makes no sense that she would be denied while I would be approved. That is, however, less important than the fact that they are denying her proof of denial. Others have said they think Paypal is performing age discrimination/retirement discrimination as they want young, debtable, work-able customers to keep money flowing but none have taken steps to push the issue and hold Paypal accountable. This is the only step I found to take so I am. I do n't expect Paypal to accept every application but I do expect them to provide proof as promised and is her right of the method and reasoning used to deny her credit.
I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid
According to my XXXX XXXX, XXXX credit reports, TD Bank/Target card is still reporting to XXXX & XXXX negatively. They have updated the payment status of my account on XX/XX/XXXX as " Late & bad debt placed for collection & skip ''. This account was paid XXXX XXXX. For the months of XXXX through XXXX payment history is being reported as " Failed to Pay ''. This information is Inaccurate.
On XX/XX/2018 I wrote to TransUnion, XXXX, & XXXX   in regards to them saying I owe {$720.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX XXXX myself informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I would like this inaccurate information deleted immediately from all three credit reporting agencies.
I have a payday loan with a company called Balance Credit. I took out a {$800.00} loan and have made payments of {$1900.00} and my balance has not decreased. They are still wanting an additional {$1900.00} in order to settle the balance. This should be illegal if it is not already so. This is usury lending.
XXXX XXXX XXXX is stating that I have missed eight payments and I opened this account. I have informed every agency about my identity being used to open this account. Please correct on my Equifax report that I have not been late and that someone has used my identity to obtain this account for credit. This has severely damaged my credit reports. The fair and honest outcome is to correct this information/account with Equifax, XXXX and XXXX.
XXXX sent an incomplete order, with no pants. I immediately called and requested the item or a return label. This was followed up with multiple emails, alm to no avail. I contacted my credit card issuer, Navy Federal Credit Union and sent them the information regarding the dispute. To this day, I have not received a credit, nor has my dispute been settled. I have still been charged for goods that were not what I ordered. Navy Federal Credit Union takes a very long time to respond to each request. Yet when I submitted documents as they request of me, I still do not receive timely response, if at all. I last contacted Navy Federal on X/X/17 and again today. I need my money credited back to me. This has been far too long.
My account with Commerce Bank was the subject of identity theft and fraud. Commerce Bank continues to report invalid and inaccurate information to XXXX. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and Commerce Bank has failed to comply. 

Commerce Bank has also repeatedly failed to send account statements as requested many times.
On XX/XX/2017 I noticed on my credit report there is an outstanding debt from XXXX for {$140.00}. I never had an account with XXXX. The collection agency had reported this to the credit bureau. I would like to get this removed from credit report. They referred to an account # XXXX.
As a XXXX XXXX, I receive funds for XXXX XXXX. A customer paid with certified funds which the bank informed me the certified funds was counterfeit, I filed a police report which provide all information about the client that issued the fraudulent form of payment for work rendered. 

After that I conformed to pre paid cards to avoid such situations. 

I went from being an XXXX XXXX to having my XXXX XXXX. Todyay I tried to open an business account and was informed that the situation I thought was handle in 2014 was not
On XX/XX/2018 I received a letter from XXXX  XXXX indicating that my mortgage loan had been sold to Carrington Mortgage.

When I went online to make a payment to Carrington Mortgage, I noticed that they charge a {$5.00} online fee for me making a payment to them! Why do I have to pay to pay them when XXXX XXXXXXXX and previous to that XXXX XXXX did not charge? 

This is insane to me, how can a mortgage company sell my loan to another company with fees like this? I understand loans can be sold but I feel victimized and helpless about this additional {$60.00} I have to pay per year! I am trying to pay off a huge loan, not make it worse. This feels like it should be illegal, what if the next company that it's sold to charges {$10.00} to make payments? Do i really need to go back to mailing payments? I have to pay it no matter what fee they charge at their discretion, and I never agreed to this!
I've paid my first trial payment XX/XX/2019 for my mortgage modification though XXXX XXXX. There is a property foreclosure sale date set XX/XX/2019 and I'm in a mortgage modification. Wilson & Associates the foreclosure attorneys was contacted to cancel the property foreclosure sale date. They refuse to cancel property foreclosure sale date
this was recently submitted to you through this cfpb complaint system and your previous notes were that you were going to remove the account XXXX from cfpb case number XXXX you stated that you would remove the item from the credit bureaus but it is still reporting on my equifax this needs to be removed asap as this is a fraudulent acount
Soon after finishing college, I started paying on my student loans. My payment was much, but it was what I could afford. Years later, I find out that payment was only being applied to a small portion of my student loans since some are commercial and some are federal. I had no idea my loans had been split up. Last year, I discovered the issue and enrolled in the Loan Rehabilitation program. I was told many misleading things. First was that the fees and interest I occurred would be forgiven at the end of the program. Second, I was told I would be called at the end of the program to re-evaluate my payments as they were transferred out of the program. That did n't happen. I received no notification and we n't into default. Also, no penalties or fees were waived for completing the program. The entire student loan process has been filled with out-right deception.
I called XXXX and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.
I sent a complaint about a {$35.00} charge of my invoice. The response from the company was that it was an error and had been corrected. Today I received a statement still trying to to collect this amount. GM needs to get their billing system fixed, you never have any idea what you owe and they NEVER reply to any email sent inquiring. It's a disgrace and it's fraudulent and needs to stop.
I have several fraudulent unauthorized inquiries on my experian credit report and i have contacted customer support numerous times to resolve this, they have failed to help me get this fraudulent inquiries that were not authorized by me off my experian credit report, XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Portfolio Recovery changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have  accounts with XXXX XXXXXXXX. So it is reporting by portfolio as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.