WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for  one  of us every two months. For the fourth year in a row now, neither  one  of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and  two  supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree  XXXX , to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
on XX/XX/17 I settled the account I held with XXXX XXXX. However the account still appears on my report with the payment amount, a status of open, and a balance.
As of XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XX/XX/XXXX for Late Fee Adjustment of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XX/XX/XXXX for {$260.00}. Credit report does n't show payment status for XX/XX/XXXX nor correct balance for XX/XX/XXXX. Billing statement does not show payment on XX/XX/XXXX.
I have a interest rate of 400 % making my debt impossible to pay off and they took my car.
I would like to file a complaint against Experian XXXX for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from XXXX  on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter to XXXX XXXX ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with Experian on XX/XX/2018 ; which was opened on XX/XX/2018 by Experian, after sending the request for validation. I sent all correspondence between XXXX, XXXX and I to Experian, regarding this debt. I also explained in my dispute that I had not received any documentation regarding this debt from XXXX XXXX XXXX, that the debt should be removed from my report based on the Fair Debt Collection Practices Act. 
To my dismay I was notified on XX/XX/2018 I received notice from Experian that my dispute had been processed ; however, there was no change. I then called and spoke Experian regarding this dispute ; the girl who answered told me that XXXX said it was valid so there was nothing she could do. 
My original intent was to file only a complaint with XXXX, but then I was informed Experian had violated my rights as well. It is for this reason I am filing a separate complaint against Experian.
I believe a XXXX XXXX credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.
I paid for XXXX using CareCredit credit card and was promised a 0 % interest over 18 months. It has been 16 months and the company has charged me 14.75 % interest on the total cost.
I filed bankruptcy in XX/XX/XXXX, and it was discharged in XX/XX/XXXX. I had a platinum card with American Express that was included in the filing. I have been fairly successful rebuilding my credit, but each time I have tried to get a card with AMEX, even a corporate card, I was denied due to having an outstanding balance. When I have called in to inquire about my denial, they have indicated that I could get a card, if I paid off my old balance. That does n't seem right.
Pulled report from Equifax and noted Credit Systems is falsely reporting 2 accounts in collections with inaccurate information. These 2 items was removed from my account over 4+ years ago and now it is reappearing. I was not notified beforehand legally of this collection and this should not be on my report with Equifax. 
I recently ( last week ) filed a complaint on XXXX for the same issue and it was promptly removed after notifying CFPB and now it has appeared on Equifax. I am requesting the 2 negative accounts placed in collections be removed. 
Thank you.
Wells Fargo Debt collection ( XXXX ) has been harassing me!! They call me during the week as well as nights and weekends. They have called me on Saturdays and Sunday BACK TO BACK. I have a recently started to collect a call log of every time they called me. They have called me many times before I started to take a log, but unfortunately I have no proof of past calls : ( I feel harassed and disturbed!! I literally had to use an app to block there calls as they would call SO OFTEN!!! XX/XX/XXXX : XXXX PM, XXXX pm and again at XXXX PM, XX/XX/XXXX:XXXX, XXXX PM XX/XX/XXXX : XXXX PM and again at XXXX pm XXXX pm and again at XXXX XXXX PM XX/XX/XXXX XXXX PM and then again at XXXX PM XX/XX/XXXX XXXX am and then again at XXXX am\ and then back to back at XXXX PM XX/XX/XXXX : XXXX am ( 2 times ) XXXX ( 2times ) XXXX PM ( 2 times ) and XXXX PM ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) Today ( XX/XX/XXXX ) I called this number from Wells Fargo XXXX and spoke to someone to tell them I want to cancel my credit card and they transferred me unbeknownst to this number # XXXX and when I tried to make a payment arrangement the lady on the phone told me since my account is past due I have to make a minimum payment of {$220.00} to " stop the phone calls '' I confronted her about these long list of harassing calls and she did not even apologize for harassing me!!!
This company and a third party have only in the last year and half attempted to collect a debt that I paid off 5 years ago. What is also disturbing is that they are not contacting me at home address or phone number associated with the original debt. They are sending all information to my parent 's home ( we live in separate states ) and calling my parent 's home. I have called them company personally and sent numerous letters to have them stop this practice, but they have not abetted. Furthermore, I have asked them for more information regarding the debt ( any paperwork they have ) so I can properly dispute this because I have already paid the debt. I have heard nothing from them on this front, but they keep sending correspondence to my parents and calling their home.
I short sold my property on XX/XX/XXXX. During or prior to receiving the sale information, XXXX, acting as Attorney-in-Fact for XXXX XXXX XXXX, submitted a motion for summary judgement ( with a fraudulent affidavit ). XXXX XXXX XXXX approved this judgement with judicial sale date of XX/XX/XXXX.  This date has been changed a few times and is now scheduled for XX/XX/XXXX. After I submitted a previous complaint to the CFPB on XX/XX/XXXX ( XXXX ), my attorneys received the short sale approval letter from XXXX on XX/XX/XXXX. After complying with their requirements for closing, they included an affidavit which required buyers and sellers signatures. I have attached the affidavit here, The 2nd paragraph has a line saying '' the servicer ... .agrees to accept less than the amount owed to resolve its Loan ( pursuant to a separate agreement between the servicer and the seller ). I do not have any separate agreement. Also, in # 10 on this affidavit, '' each signatory to the affidavit agrees to indemnify XXXX and the investor ( supposedly XXXX XXXX ) for any or all losses resulting from any negligent or intentional misrepresentation including, but not limited to repayment of the difference between the amount owed on the loan and the discounted amount payment. '' I questioned why I do n't have the agreement they referred to in the second paragraph and why # 10, they were referring themselves to XXXX. They now have told my attorneys they will change the wording so it will say XXXX as attorney-in-fact for XXXX XXXX XXXX. I still do n't have the agreement that was referred to, which I believe would be the release from liability. Now the buyers have been waiting since XX/XX/XXXX to close, we were ready last week-I had the home checked by the water department as required, paid the XXXX but XXXX will not provide the release from liability. The scheduled judicial sale is XX/XX/XXXX. If they ca n't provide a release from liability, we ca n't close on the house. I believe they are stalling again or plan to come after me for the claimed deficiency once the short sale is closed.
Barclay card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail.
I have made numerous disputes to Experian about incorrect information on my credit report which has not been completely investigated. Or removed. 
Both XXXX and XXXX both processed the same complaints and removed the obviously incorrect information on my credit reports. 

Incorrect information still on the Experian Credit Report:1. XXXX XXXX account XXXX ... .listed is not my account. It was my husbands account he used for business and was written off when he filled for Bankruptcy for himself. 
I have requested where Experian confirmed this information and did not receive any responses. I believe that just have not taken any action other than sending back a Credit Report with no changes. 
This account is also listed as an individual account. Which it was my husbands. 
If I was on this as a joint account XXXX XXXX would have not written off the account since I did not file bankruptcy with my husband. 

2. Report listsSocial Security number variations : XXXX This is not my social security number. It is my husbands and should not be listed on my Credit Report. 

3. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a single family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
XXXX XXXX XXXX # XXXX, CO XXXX identification number : XXXXType of Residence : Single family4. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a multi family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXAddress identification number : XXXXType of Residence : Multifamily5. Experian Dispute processing is deliberately difficult. 
The Address and the Social Security number disputes were refused in an online submittal. I was told i could submit online documentation and that was also blocked.
We 're in the process of selling our home. When we reviewed the settlement statement we noticed a charge of {$89.00} that was titled " Late Charge to Specialized Loan Servicing ''. We 've never been late on any payments so I called Specialized Loan Servicing for an explanation and was treated rudely and in a very condescending manner. This is ironic because I 'm very knowledgeable about real estate finance and it was easy for me to understand the reason for the problem, but the representatives I spoke with seemed to have great difficulty articulating the company 's position which was, in short, that because the payoff quote was good for up to 30 days, they were charging a late fee in anticipation that I 'd be late on my XX/XX/XXXXpayment, which was not yet due at the time of the payoff quote, but which we had in fact paid when it became due. Their tortured explanation caused me to further analyze the payoff quote to realize that not only were we being charged a late fee, but we were also not being credited for the XX/XX/XXXX payment. <P/>My simple request for an updated payoff quote was met with more rudeness, constant interruption, and condescension.
Contacted several companies due to unauthorized credit inquiries in my recently received credit report. Was advised to contact the XXXX, Experian and XXXX. XXXX  helped opening the pertinent claim to remove the inquiries, while XXXX  and Experian refused to assist claiming there is nothing they can do. 
Inquiries to be removed as not authorized are below, some appearing as much as 4 times as it is the case with XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, etc.

1-XXXX XXXX XXXX  2-XXXX XXXX XXXX XXXX XXXX 3-XXXX 4-XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX XXXX 9-XXXX XXXX XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX 12-XXXX 13-XXXX  14-XXXX XXXX 15-XXXX XXXX XXXX 16-XXXX XXXX 17-XXXX XXXX 18-XXXX
I 've spoken with Central Financial Control on several occasions to reconcile about the inaccurate items that they are reporting against my credit. They are over XXXX of the same items reporting over and over on my credit that are n't valid. The original creditor XXXX XXXX XXXX violated my privacy, and violated HIPAA by providing this company my medical record, reasoning for me visiting the XXXX department, in which these items were all paid via my health insurance, which was provided time of services. I am now seeking legal advise as to filing a lawsuit against the collection agency, being that I spoke with several representatives and they threaten to ruin my credit because they are n't removing anything. Which is a violation of FDCPA to communicate threats. I want all of these items resolved within the next XXXX days otherwise I will pursue further with a lawsuit.
I had contacted the XXXX credit card ( XXXX XXXX ) about 2 items over the last 3-4 weeks. First, I was promised that the interest charge of {$18.00} from XX/XX/XXXX would br credited back to me, by reps of their company and now they are saying they won't do it. Next, I had a payment set up to process on XX/XX/XXXX, my due date and it did not go through on their end, then I was charged a late fee for this and I asked for this to be reversed. They responded that " Thank you for your recent inquiry regarding your XXXX and XXXX credit card, and the opportunity to be of service to you. We have completed your inquiry and have provided you with the resolution. We are not able to wave the late fee or Interest. We have no choice but to consider this issue resolved '' which is patently FALSE and they know it! I had just asked the question and they responded as if they had not even read the email, they just denied it.
Being on XX/XX/XXXX I started to receive calls for the company referenced in this complaint.. the first call I requested over the phone that they send me validation of the debt that they alleged that I owed. The person on the other end of the line refused to give me their name and began threatening to file criminal charges on me and take everything that I owned. I again asked for them to send me validation of the debt that they alleged I owned the person yells at me and said since I refused to pay they were going to send a warrant to my home county and they would be there to arrest me. I hung up following the threats and yelling.. the next day I received a call from this same company. I asked again for them to send me validation of this debt that they alleged I owed.. these calls went on for almost to weeks. When I received a notification that 2 debts had been placed on my credit report. Without validation without written notice of this debt! According to the Fair debt collection practice act I am to receive in writing the notice of this debt before it is placed on my credit file. Also according to the Fair debt collection practice act and Ohio consumer sale practice act they are not allowed to falsely represent themselves as a law office or falsely accuse me of a crime. This debt has not been validated and has become detrimental to my credit score and has prevented me from obtaining financing! I again want the account removed! Until the company can provide me with the information that I have asked for! I still know nothing about this alleged debt! The amount where it came from nothing.. just threats to go to jail. I want this actions to stop!
A purchase was made to XXXX in XX/XX/XXXX for a XXXX XXXX tour while vacationing in XXXX. The tour guide never showed up! I filed a complaint with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Then in XX/XX/XXXX when I pulled my credit report I saw that on my XXXX credit report Chase was listing my credit card as " Delinquent ''. I have NEVER missed a payment and always paid my bill earlier, and make MULTIPLE payments per month. I called and was told that they were n't listing it as delinquent but that I had a claim open. I confirmed I have a claim open but it was due to a transaction NOT a credit reporting. I was told they would notify XXXX and the call ended. In mid-XX/XX/XXXX I received a notice from Chase Card that they appreciated me validating my claim for XXXX was accurate. I NEVER confirmed it was accurate cause it was NOT. I called back and was told that since it was closed by the specialist it would be re-opened and I would receive a letter in 3 days. It has now been a month. I am furious and disgusted with this type of treatment. The charge from XXXX in the amount of {$72.00} is not valid because I never received the tour as the tour guide never showed up. On top of that, you all are reporting me as delinquent when I am not, and never have been!
DEVASTATION- CAR DEALERS RAN MY CREDIT 51 TIMES WITHOUT MY AUTHORIZATION AND WITH ME UNDER DURESS. In XX/XX/XXXX/XX/XX/XXXX I called a few car dealers to inquire about buying a car. I shared that my credit score was in the low 500 's. Many of them insisted on running my credit-I felt like I was under duress and felt pressure from these forceful Men, but I told them not to and for the few that I said yes to run my credit, I never authorized them to run my credit 3, 4 and 5 times. I did not buy a car from any of the dealers mentioned so I checked my credit the next month and realized that these companies ran my credit 51 times without even going to their dealerships. I was so depressed and overwhelmed with sadness that I could not work. When I finally was able to work I was not able to get a decent job because my credit score had dropped over 100 points due to 51 credit inquiries. I have suffered for almost 2 years and I just recently discovered that they were not supposed to run my credit without my authorization and that they had not right to run my credit so many times, especially after I had told them my score. Here are the companies that ran my credit
on XX/XX/XXXX i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
they are no longer in business. the price was {$7400.00} i put a down payment of {$1000.00}. the balance of {$6400.00} was financed by westlake financial. the payments were {$250.00} per month. i did not really look at the interest until westlake financial gave my loan to a company called XXXX XXXX. i went through bankruptcy from XX/XX/XXXX through XX/XX/XXXX i did not put westlake financial on my bankruptcy case. when i looked at my loan i have paid {$3300.00} XXXX. i knew i would pay a high interest rate. 
i thought i was paying 24.99 %. 
i am checking to see if the rate of interest i am paying is legal.
I have incorrect information in my credit which is setting me back from my mortgage loan approval. I have been going back and forth with companies to resolve the issues but I 've been told that the credit beaureau are reporting this information. I am unavailable to file a dispute because when I put in my info to dispute, it says can not process request. Please help us out!
I opened my account # XXXX at HSBC on XX/XX/XXXX with the following promotion, " Receive {$350.00} bonus when you open a new HSBC Advance checking account online by XX/XX/XXXX and deposit {$10000.00} in new money within 30 days of account opening. Maintain this balance for 90 calendar days from the date you deposited the funds. Bonus will be deposited approximately 8 weeks after completing all qualifying activities. Consumers who held any HSBC consumer account from XX/XX/XXXX through XX/XX/XXXX are not eligible. '' I didn't have any checking account nor credit card during anytime ( even one day ) falling into that period, from XX/XX/XXXX to XX/XX/XXXX. 

I've closed my previous checking account with HSBC ( account # XXXX ) on XX/XX/XXXX. 

Since I've closed my account in XX/XX/XXXX and 12 months have passed after I closed my previous account, I was eligible for this promotional bonus. 

I have met all the terms of this promotion, but after not receiving any bonus, I have raised a case # XXXX with a chat representative named XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I have received a response from HSBC bank stating that, " the customer had a past relationship with HSBC in the last 1 year of campaign start date ''. 

This is incorrect. My past relationship with HSBC ended on XX/XX/XXXX when I closed my previous checking account. No other relationship existed with HSBC in the last 1 year before opening my account.
I have been a victim of identity theft, and someone used my information to obtain a  Loan  through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because   XXXX   XXXX   XXXX  , and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It 's been over 30 days and still no resolution from my last set of documents.
I obtained several private student loans through National Collegiate and Trust between XXXX and XXXX to pay for expenses while I was going to college. Due to a death in the family and several financially difficult situations, I used the available deferment on my loans so they would not default. I graduated in late XXXX and, after moving to a new job in XXXX, was finally able to pay the full amounts due each month. I have paid my loans on time for since XX/XX/XXXX and am now more financially stable than my aging mother who is the co-signer on one of my loans. As this loan also affects my mother 's credit, I called the loan servicing company recently and requested to have my mother released as co-signer. I was told by AES ( the loan servicing company ) that because I used forbearance/deferment in the past, my mother is never eligible to be released as the co-signer. I was never told this would be a consequence when I was given the option of deferment and find National Collegiate and Trust 's policies to be unfair and unclear. Furthermore, they advised that my loans are not eligible for an interest rate reduction ( they are currently at 7.38 % and 8.0 % ), even with an auto-pay option. I can not refinance my loans because of my debt-to-income ratio, despite the fact that I have good credit and make {$61000.00} annually. My complaint is to dispute their unfair consumer practices. Deferment should not bar any future consideration of a co-signer release and if it does, this should be clearly disclosed to the consumer before they enter deferment.