WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit freeze on my credit report. On XXXX XXXX I received my experian credit report and experian has aloud companies like, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and others to get a copy of my credit report. Even on my experian report it has in bold letters ( FILE FROZEN DUE TO STATE LEGISLATION ). experian has been allowing this for years. I put a freeze on my credit report back in XX/XX/XXXX. I have never applied to these companies. Now a day 's I know every one is making money on selling are information but we are expect to be accountable for are actions and are own credit reports these companies should be accountable for their 's.
I had a mortgage with GMAC ( who is now bankrupt ) that was paid off XX/XX/2011. 
I sold my house a month ago and the title company wo n't release my money until the lien is taken care of. I have a letter from GMAC stating the loan is paid off and that they will notify the county offices from XX/XX/2011 but they never released the lien. I have talked to Ocwen who took over GMAC numerous times and even received a letter from them stating they do not have the authority to release my lien.
Ocwen is servicing a paid off mortgage that is still on title for this property. We are attempting to short the XXXX mortgages active on the property but can not continue due to the Ocwen serviced mortgage. Ocwen has refused to process a lien release because they received it from the previous servicer with a zero balance. Despite numerous verbal and written requests for the following information, Ocwen will not cooperate and provide answers to the questions below. 
1. Current status of account 2. Date of service transfer 3. Identity of former servicer 4. Identity of former/current mortgage holder
I refinanced with XXXX after being with loancare for a year. Loancare was supposed to send me a refund escrow check on XX/XX/2015 I received a breakdown letter postmarked on XX/XX/XXXX but no check for XXXX XX/XX/XXXX I receive a letter of payoff but still no check I call and I was told by a customer relations rep that because I am not a customer he does not have to deal with me. This company has the worst service I've ever seen. All complaints about this company are valid. They don't keep track of there checks because it's sent through regular mail.
Well first off i have a rushcard. I understand they r having ptoblems but when i cant get to my money its a big problem. I noticed that my card that had got stollen months ago was the card on file. And thats where my direct doposit went. Then today i checked it and XXXX is missing. every time i call someone is hanging up on me or acting like its not an issue and its not for them but a big one for me. I have bills and now i have late fees on bills.i also have a fine i have to pay and a child to take care of. I dont have gas and i dont have family to borrow from. Its just sad because i am stressing badly and the company does not care that my money is missing they think by saying its safe iits ok dont think that it is unless i have it. I work hard for it. Is there anything i can do my landlord thinks im full of XXXX and just dont have it.
Wells Fargo closed my account with them XX/XX/XXXX. I contacted their customer service department to figure out why my account was closed. They confirmed that because I had reported my card lost, they had to open a new account. I was angry and told them I did not wish to open a new account. I was left without a bank account for a while. Was unable to deposit/cash my work checks and I was unable to pay my bills. This caused me so much stress and decided to start with a new financial institution. 
XX/XX/XXXX, I found out Wells Fargo had gotten into serious trouble for opening accounts without people 's consent. I inquired on it and they sent me a form ( see attached ). I filled out the form and demanded {$800.00} for damages and time lost. XX/XX/XXXX I was contacted by their mediator by the name of XXXX XXXX. She said they were able to settle for {$400.00}. I accepted on XX/XX/XXXX, and was told I would receive my check within 20 business days. XXXX also said that the new account had a check deposited from my credit union account and later the money was withdrawn. She sent me a copy of the check and as I expected, it was manufactured. On XX/XX/XXXX I contacted XXXX once more, asking her about the check. She said I would receive it within the following two weeks. Two weeks have gone by and I have not received anything. I called her on XX/XX/XXXX and she did not call me back until XXXX/XXXX/XXXX saying the check was sent on Monday XX/XX/XXXX. I contacted Wells Fargo mediation department to confirm the information XXXX had given me and I was told the check has yet to be processed. The rep told me she would submit a request to have someone call me back with the correct information. I received a voicemail today, ( XX/XX/XXXX ). No one knew who contacted me so I was then transferred to a rep who said they could help me track the check. This person was unable to help me and was transferred back to their customer service department where I was told my request would be escalated to someone who would have the right information for me. This was the same person I spoke with on Monday ( from Mediation dept ). I am sick and tired of wasting valuable time from my day to deal with Wells Fargo. They have messed up with my finances XX/XX/XXXX closing my account without a valid reason authorized by me and opened a new account without my consent. I am extremely upset and demand {$1000.00} for the time wasted going back and forth with them XXXX and now.
I made my mortgage payment over the phone with automated system and authorize them to charge withdrawal from my bank {$1700.00} for the month of XXXX but when i checked my bank statement they had withdrawal more than the amount i authorized which was {$1700.00}. By them doing this it put me on overdrawn on my account which i was then charge a {$30.00} courtesy fee. I called they said they were going to refund me the amount and i would get a call from someone to verify this but i never received a call. I called them today again and they say they no where in my account does it say i 'm getting refunded. This is not the only time i had to pay extra money because of them last year i had to pay penalty fees on the tax payment they did n't make.
I have send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from Transunion, XXXX, XXXX I have 18 hard inquiries on Transunion 43 on XXXX  and 16 on XXXX it has been over five months and I have not heard for any one
They have received no response. I can not logon online to enter dispute due to incorrect information about a mortgage on my credit file. Transunion has incorrect information on my file and is now making it very difficult to report it. The following information is incorrect and not mine, so unless proof of my signature is provided it must be removed from mu report. 
1- XXXX XXXX XXXX # XXXX - DO NOT KNOW OF THIS2 - XXXX # XXXX AND # XXXX THESE ARE NOT MINE AND SHOULD BE REMOVED FROM MY REPORT. 
3 - XXXX XXXX XXXX # XXXX - THIS IS NOT MINE AND NEEDS TO BE REMOVED FROM MY FILE AND REPORT.
Chase Ba nk USA keeps sending me a request for addition information regarding an AMAZON.COM Visa card that I have applied for with there Bank. This has been going on for several years. They s end the request too an old address where I use to live. I called them and requested that the remove my address from their mailing list. They wanted to give me a credit reporting agency number and Asked too speak with a surpervisior and was told that they would call me back which of course never happened. How hard is it to get removed from someone 's mailing list?
I have a Care Credit Account with Synchrony Bank. 
I am using this Credit Card to pay for my Cat 's VetBills, my cat has had XXXX episodes of XXXX. 
I have met all my payments for the promotional offer, no interest if paid off in full in XXXX months. 
I have used this card at my Vet for my cat 's pills, charges in the {$40.00} to {$100.00} range. 
I have diligently paid my monthly payments. 
I noticed on my Care Credit bill, I am being chargedInterest. When I inquired about the interest charge, I was informed by a representative that any chargesunder {$200.00} must be paid off in full in XXXX days. 
I never received a separate statement about thesecharges, they were folded into my promotion bills. 
I did not receive a separate statement stating whatcharges are accruing interest so that I would havethe opportunity and information to pay these chargesbefore the interest was charged. I have paid $ XXXXXXXXin interest so far this year, that I was unaware ofwhat charges interest was being accrued. 
I feel this is very deceitful by Care Credit. 
The customer should be made aware via a separatestatement in additional to the promotional statementsI would certainly have paid off these charges ratherthan pay interest. Since I was informed of thesecharges today, XX/XX/2015, I have arranged topay the remaining amount to avoid additionalinterest charges. I feel I am being penalizedfor paying monthly payments that were a part ofa promotion and paying them off in full before theexpiration date and then being charged unbeknownto me interest on charges I did not receive a separatestatement to be aware of this issue. 
Care Credit is practicing unethical means to havetheir customers accumulate interest because theyare not issuing statements on these separatecharges monthly to the customer.
RE : CHASE AUTO XXXX Dear Consumer Financial Protection Bureau , The reason I write to you today, is because I have an auto account that is reporting me late, even though the account has been paid for years. 

Please find the below screen shot that is was provided to me by Chase. You will see, that from XX/XX/XXXX to XX/XX/XXXX there were no fees. Then, in XXXX, XXXX, a fee is assessed resulting in the consequent late payments below. 




Additionally, please note, that Chase is indicating to the bureaus that the payment status is 'late 90 days ' while in fact, the account is paid off with no balance showing. 


My credit has suffered because of their error and I would request that Chase remove this account entirely from my credit report, as recompense for their error, which has caused me to pay higher interest rates since this error was reported almost two years ago. 


Many Thanks, XXXX XXXX XXXX
I have not had access to my account for over one month. On XX/XX/18 coinbase disabled my ability to place buy orders on their system, and consequently blocked me from being able to log into my XXXX account. I have several thousand dollars that are inaccessible to me, with no explanation from coinbase as to when I will receive access to them. I have spent multiple hours on the phone and sent numerous email correspondence to the company, only to be given very limited information that they are behind, and my case has been escalated. Customer support is rude, dismissive, and often hangs up on customers. This company has no regard for any sense of professionalism and has held my money against my will for an unacceptable amount of time. In response to a previous complaint made on CFPB, coinbase also blatantly lied by saying that I can access my funds at any time. Once again to be clear, I have thousands of dollars I am unable to log in to see if they are even still in my account on XXXX, let alone withdraw them. At this point I do not know if my funds have been stolen by employees and some sort of fraud is taking place.
XXXX sold a debt to XXXX XXXX XXXX, the letter I Have attached from XXXX did not validate the debt, also the letter states the letter states the amount was XXXX and it was from 2010. why wait till now to turn it over to the credit bureaus? I have spent hours tracking this debt and it has been sold to XXXX other debt collections companies the last one Data Central Collections turned it into the XXXX major credit bureaus. attached is a page with the collection on my credit report. My understanding the law states they can not add to the debt and they are trying to collect {$1300.00}. 
Neither of the XXXX collections agents that bought the debt notified me of the debt before reporting it to the credit bureaus if they had i would have ask them to validate the debt.
How can a credit card provider refuse to accept payment online when the account is valid and has always had funds? 
Bank of America 's credit card system will not process my payment to balance because I " exceeded the amount of credit card payments [ I ] can make in a calendar month. '' I tried to pay my balance due of XXXX today due XXXX XXXX. I try to be responsible and pay when I receive funds either through reimbursement or when I receive my paycheck. The XXXX accounts I use for payment are long standing accounts that I use every month for payments. I had to call and electronically process a check drawn on the same account that I tried to use online. Between waiting period ( over 16 minutes ) and processing time, it took almost 25 minutes to pay my bill.
Since I began my dispute process with Equifax I had to verify my identity which I did as to the protocol of the CRA 's. Since I have verified my identity I have been getting regular responses from Equifax. This time however they sent me a letter asking me to verify my identity again. Equifax has violated various law that 's in the FCRA and I need help in getting Equifax to follow the law.
on   XXXX   XXXX   XXXX   a car registered to me was involved in a car accident. I was not driving the car but understand I am liable for damages. I have been given  two  different amounts by this company. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$3200.00}. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$5200.00} which is  XXXX  more on the same debt. I sent a certified letter to this company on   XXXX   XXXX   XXXX   asking for a itemized break down of these costs and did not get a response. I informed this company that I am willing to take care of this debt but we need to come to some agreeable solution. This company has threatened to take my drivers license if this is not resolved
My loan was flagged for bankruptcy. I called Union Pacific and was told I could not fix the problem since I had filed for bankruptcy in XXXX. I live in XXXX, XXXX and my mortgage with the company is for a home in XXXX. I had to call numerous times and finally was transferred to XXXX XXXX the bankruptcy representative. He did some research and stated that I had filed for bankruptcy in XXXX. I informed him that was impossible and may be a case of identity fraud. After doing research XXXX found out that there was an individual with the same name and same last XXXX numbers on social. However when he researched looked for the birthdate and whole XXXX digit social it was different. XXXX promised the issue would be resolved and I would never hear of the issue again. It has been a several months and It has showed up on my credit report the last time I checked. I can not log into my Pacific Union account as it is still flagged as having bankruptcy. Pacific union should have verified all the information before flagging me as
I discovered that this company had done two hard inquires on my credit without authorization. I have not applied for a loan from them since XX/XX/XXXX or XX/XX/XXXX, The company name is, Citizens Savings & L Inquiry from XX/XX/XXXX Citizens Savings & L Inquiry from XX/XX/XXXX
I pay XXXX per month for my loans. I can not afford this. The lender initially helped with income repayment and will no longer assist what so ever.
This individual enter our lives back in XXXX 2013. This individual with the intent to defraud my family he built our trust and confidence, and misrepresented himself as a entrepreneur/multi millionaire. After he built our trust he wanted us to open an Assistant Living Facility business. I explained to him time and time again it takes money to open a business and we do not have money to do that! This individual kept pressuring to open this facility so we could be millionaires like him and his family. He pressured us so much we had gotten and XXXX number but never got a building, he said the first thing is to get business credit cards to help with business acumen ect. He advised me they were to be used for business purchases only but he needed to be added as an authorized user, this individual was living off of these business cards and would call the bank cards to ask them not to send statements out so I would n't see the charges on the cards I called Us Bank and reported fraud and ask them too shut the card down they said they did but this individual, found out when he went to use the card again and call the card and had them issue him another card, without my authorization i was going back in forth with the us bank customer service and fraud department. I went to my local police department and have the Detective involved in this fraud case, but I still continue getting harassing phone calls from Us Bank on my phone and now they call my job! I asked them never to call me at my job again on a recored line and they continue to call. I have gave them the police report number like they ask, and the Detective name and phone number, and explained to them that I have talk to them more than i talk to my own family cause they call me daily, more than once and now my job.
I closed on a land loan through the XXXX ( XXXX ) in XXXX. They have contracted through Dovenmuehle Mortgage Inc. for loan servicing. To say that Dovenmuehle Mortgage Inc. is inept would be giving them too much credit. To date I have been unable to access my account through their website XXXX.com and repeated attempts ( over 30 phone calls and representatives ) have been unable to provide any resolution. I have already exhausted every level of their Tier support system and have had over 10 phone calls either disconnected or outright hung up on me. I sense there is some type of fraud being conducted because they refuse to give me access to my loan balance, escrow and payment information.
I am being endlessly harassed by the current owner of my three outstanding private student loans, Weltman, Weinberg and Reis Co. They call me at least 6 times every day and have recently started calling for me at my new employer. Just last week they left a voice mail message in the general mail box regarding my outstanding debt that I owe. I have tried to negotiate with them and offered to enter into a payment plan but they have ignored me and bullied me and are trying to pressure and intimidate me into paying them money that I do not have. I have other federal student loans and they have been easy to work with and I have gone into payment plans on those loans when I ran into hardship. These three loans currently with Weltman and Weinberg I paid on for nearly 7 years until I was laid off from my job. I went to XXXX University and was in a 5 year XXXX XXXX program. The loans in question were taken out in XXXX, XXXX and XXXX. The verbiage stated that I would not have to begin paying on these loans until I graduated and was working, but since it was a 5 year program the original lender ( XXXX XXXX  XXXX XXXX XXXX ) began sending bills while in my last year of collegethe monthly payment was {$540.00} per month. I paid this as agreed from XXXX to XXXX until I was laid off from my job after nearly 10 years in that field. I could not keep up with the payments and contacted XXXX XXXX XXXX XXXX XXXX to ask for help or some type of reduced payment plan or forbearance but they refused. As soon as I defaulted they transferred the debt to XXXX. I still faced the same issues and was not able to make any payments to XXXX. I then began the licensing process with the XXXX to become a licensed loan XXXX and as part of the process I need to be in repayment plans on any debts. Once again I contacted XXXX and asked them if they would work with me on some type of payment plan. They refused and a week later my loan was transferred to Weltman and Weinberg. As soon as I got the paperwork from Weltman and Weinberg I contacted them to see if they would work with me and once again ran into a brick wall. They refused to enter into a repayment plan or allow me to make lower payments and told me pay them {$600.00} a month or they would come after me. I am back working but not making as much money and still going through the licensing process. I will get back on my feet soon, but this company is not making it any easier with their constant harassment. Additionally, they have caused me a great deal of embarrassment by calling me at work and leaving general voicemail messages that many of the employees could hear. I believe this company is violating the Fair Debt Collection Practices Act. I am also concerned because I looked up the law firm name Weltman, Weinberg & Reis CoXXXX LPA and they are not licensed in California XXXX yet they are sending out letters to me, a California resident on their letterhead. I believe this is also a violation.
MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR XXXX FORMERLY KA : XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MY HUSBAND ( XXXX XXXX, XXXX ) AND XXXX FOR MYSELF ( XXXX XXXX ). WE HAVE REPEATEDLY CONTACTED XXXX AKA XXXX AT THE XXXX XXXX XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY. 

ADDITONALLY, EQUIFAX CONTINUES TO REPORT A BANKRUPTCY IN ERROR. DISPUTE MY REPEATED SUBMITTED PROOF EXPLAINING IT WAS IN FACT A DUPLICATE. CASE # XXXX WAS FILE IN DUPLICATE AND STRIKEN FROM THE COURTS RECORDS AND SUBSEQUENTLY SHOULD NOT BE REPORTING. MY CREDIT FILE SHOULD REFLECT XXXX BANKRUPTCY CASE # XXXX, DISCHARGED XX/XX/XXXX.
Complaining about not assisting me with inaccurate credit report information. Inaccurate credit inquiries on report. 

XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX - XXXX and XXXX/XXXX/XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX XXXX - XXXX and XXXX/XXXX/XXXX XXXX/XXXX - XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX - date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX
On XX/XX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XX/XX/XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX EXT XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.
This company uses a robo call to threaten me to collect a debt. I do not have a debt. They claim to be from Direct Recovery Services. They even give a web site www.directrecoveryservices.com on the recording and a reference number. The end of the recording advise you to go to the website to pay. There are two voices.The recording uses threatening language and frightens my children when they hear the recorded message. They say things like " this is our last attempt to contact you, '' " as the law requires, '' " you are not blind sighted by the events taking place, '' " it is absolutely imperative we speak to you today. '' The voice is loud and angry.
I have been receiving harassing, threatening and XXXX threats telephone calls from Student Loan Finance Corporation in regards to a student loan account and debt of {$3200.00} and {$4900.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.