WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I am in the process of purchasing a home and the loan officer requested I lift the freeze on my credit. I was able to easily temporarily lift the freeze with XXXX  and XXXX. 
Regarding Experian I've tried their online form and called all different numbers listed on their site. I also have the pin number they provided when I placed the freeze years ago. 
I've been trying for three days to speak to someone and am unable. I've called all the numbers listed on Experian 's website followed instructions and just get an automated loop nightmare. I've also contacted them via email and received no response. I also tried to create an account with them and couldn't. Experian is making it impossible for me to request a lift on my credit which is preventing me from obtaining a mortgage. Something I need to do immediately! 
I also contacted Experian 's business line and I was able to speak to a person who gave me the instructions on how to get to a human but it did not workout. I am unable to get to the option of unfreeze my credit. I am only provided with the option to freeze my credit or place an alert to my credit. These are all the numbers I tried : XXXX. Customer Service. 10 mins. XXXX. 
XXXX. 
XXXX. Corporate Offices. 7 mins. 
XXXX Credit Reporting. 35 mins. 
Customer Service. 
XXXX. 
sent email to : XXXX. Customer Service. 
XXXX. Fraud Detection. 10 mins. 
My wife as tried as well with no success. 
There is a glitch with Experian 's network and is preventing consumers from getting access to their credit. 
I look forward to your response. 
Kind Regards, XXXX XXXX
Possible Debt Collector by the name of ERC called my direct line at work at XXXX XXXX XXXX, XXXX. I have not received any mail from debt collector.
On Saturday XX/XX/XXXX my wife and I traded in our vehicle financed through GM Financial to XXXX XXXX. The Manager called GM Financial notifying them of the trade in and asked for the payoff amount. The check was mailed the following week to GM to pay the vehicle off. I did not hear anything from GM Financial until XX/XX/XXXX that my payment was late. When speaking the GM representative they had no knowledge or notes of the vehicle trade in. I spoke with and also listened to the manager speaking with GM Financial. GM had not received the check. I immediately contacted the dealership and spoke with the manager who told me it was likely the check was lost in the mail and he would reissue another one. He also asked for the fax information for GM and sent them notification of what occurred and that a new check would be issued immediately. GM Financial disregarded all of this and still hit my wife and my credit for being 30 days late on payment. I have  sent copies of the faxed letters to all three bureau 's however they will not remove it from my report. I was in constant contact with GM as was the dealership. This needs to be removed from our reports.
My wife responded to a citibank offer for XXXX award points to her XXXX account if she opened a checking account and spent {$1000.00} dollars and made two consective bill pays withing 60 days and two months consecutively. We did this and have been rejected twice now for our rewards. See attached documentation.
Beginning in XX/XX/XXXX until XXXX 2017.

My wife and I have been notified by mail and we understand that we owe Lendmark Financial. The number of times they call her at work, on her cell, call my cell repeatedly and our home number is unacceptable. It is an all day every day calling process and I would like for it to stop. I have talked to someone once before about calling me at work. It has since stopped, but calling multiple times a day at my wife 's job, calling our home and or cell phones is too much.
In XX/XX/2018 I disputed an inaccurate account on all XXXX of my credit reports, The inaccurate account is XXXX XXXX XXXXi # XXXX. All the credit bureaus reported back as the account was verified, I Then contacted the bank which the address that's listed on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I sent the original creditor a Verification Letter asking for them to send me proof that they have my legal signature on the alleged account in the file.,,, i sent my certified letter on XXXX, XXXX 2018. They signed for the letter on XXXX, XXXX, 2018 ... .Todays date is XX/XX/2018 and they have failed to respond to my certified letter. They had 30 days to respond to the certified letter and they failed to provide me the documentation I asked for by law I am entitled to see and know what account they are saying is mines,,, I needed to see proof and I did my part,, they have violated my rights,,, I have copies of the letter that was sent and copies of the US Postal Service certified mail receipt, and a copy of the delivery noticed that they signed for my letter and today is the XXXX day,,, please delete this inaccurate account from my credit file. This is not Right that these companies don't respond to certified letters, I did my part,,,, and XXXX XXXX XXXX failed to do theirs..
First I am a Identity Theft Victim. Not just a plain victim. My profile was stolen and IRS is working on this to help get a new social security number. 
XXXX XXXX stated they sent info., to you to be checked. I did not authorize that. You should have looked for the authorization. But, you should have immediately known I was a Identity Theft Victim. Then you come out and give them some bogus score number, after I have had my car financed with XXXX XXXX and have a perfect account. This seems to be a pattern where the finance co. can approve the loan but charge a higher interest rate. My loan with XXXX today is at XXXX XXXX 
I can see from the multiple complaints that this is going to turn into a mass litigation lawsuit! 
I tried to get my credit report from you and have not received it. I just called you again, but will not call anymore. I am requesting a full investigation of your company, to include employees-where and how you obtain your information-length of time in business and the number of complaints filed against you.
I was n't aware that checking to see if I was effected by the equifax breach via their website by inputting my last 6 of my SSN and my last name was excluding myself from a class action law suit. I was not notified before checking. This is XXXX shady. I was CHECKING! I  have n't signed up for anything yet!
I received a call from XXXX claiming an amount own to Chase Bank, no further details on the account and caller claimed to set up a payment plan, but the info to call back give was a different phone number XXXX with no extension or caller name to call back.
On XXXX XXXX and XXXX, 2016 I became a victim of identity theft at the JP Morgan Chase bank, when approximately {$12000.00} was taken from my savings and checking accounts. 

To date the bank has reimbursement approximately {$9500.00}. 

The bank refuses to reimburse the balance of the money taken, which is {$2500.00}.
I have contacted PROCOLLECT several occasions and they have stated that they report to the credit bureau, every beginning of the month. My debt has been paid since XX/XX/2018. I have a letter stating balance is paid in full. But still every time I dispute, when report is done ; company verify debt is correct. But I've paid the XXXX balance that's shown.
I spoke with the rep XXXX and informed him this was my work # he was calling and indicated I recorded the conversation asking him not to call the work #. He said that wont happen and hung up on me. I also forwarded a text message to the # he called from which is the same # calling my job now everday. I have those calls and message saved even though it is an automated call. It has been over XXXX times now.
On XX/XX/2017 I called TransUnion three times because I do not have access to my credit report online for viewing or disputes for whatever reason. I contacted TransUnion because there are some inaccurate things on my credit report. The first time I called I was immediately transferred by Customer Service to the special handling department because they said they had no access to my file and could not assist me. I then spoke with two different people who identified themselves as being in the special handling department. I was transferred again to someone else in special handling who advised that their supervisor was handling my file. I was then transferred to a voicemail to leave a message which I did. After not receiving a returned call I called TransUnion back again and went through the same transferring cycle. I was advised this time by two people in the special handling department that my file was being handled by the priority department and that they would transfer me. I was transferred to the same voicemail from earlier. I called back again only to go through multiple transfers of people that had the same script to the point that I could finish their sentences. I was transferred to the same voicemail and was not given any assistance whatsoever. Each call had 3-5 transfers and long holds before finally transferring me to the voicemail. I am feeling like I am being toyed with and it is highly unprofessional.
Recently Equifax had a data breach. According to https : XXXX, I am impacted by this data breach issue. I tried to get my annual free credit report from Equifax, and unfortunately, Equifax website told me that they can not identify my identity online. I tried to call them, and get no answer. The only way was to sign up to their service. I believe that Equifax is using this data breach opportunity to force me sign up to their service, which is definitely improper use of my data, and is very disgusting.
The creditor called me XX/XX/XXXX @ demanded payment in full ... I paid the outstanding balance of {$1400.00} XX/XX/XXXX. In  XX/XX/XXXX the creditor appeared on my credit reports for all the agencies as {$1400.00} being charged off in XX/XX/XXXX and that amount still being owed to the creditor. I filled disputes, it is removed and a month later it is back on. I called the creditor and they found it was paid in full in XX/XX/XXXX and agreed to correct the information with the credit bureaus but it is still on my credit report. Creditor is XXXX/XXXX
I filed chapter XXXX bankruptcy with case # XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, PayPal Credit, DBA as XXXX XXXX XXXX, drafted a letter on On XX/XX/XXXX, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, XXXX XXXX XXXX ( XXXX ). 
Verbatim : " Company 's Response : Correspondence was sent to you on XX/XX/XXXX, advising that PayPal Credit closed your account ending in XXXX because a subsequent account in your name was identified. This account, ending in XXXX, was referred to an outside collections agency due to delinquency. The contact information for the outside collections agency was provided if you have questions or would like to make a payment. '' I phoned XXXX & XXXX ( XXXX ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX Account Number : XXXX Date Opened : XXXX 90 days past due as of 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 this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Hard inquiry on all 3 credit reports from capital one na XX/XX/XXXX that I did not make. I sent capital one a letter XX/XX/XXXX asked them to validate or remove it. I received a blanket response from capital one XX/XX/XXXX reference number XXXX Which is simply a blanket response explaining types of inquiries. It is a hard inquiry that I did not make and they have failed to validate in over 30 days. I want it removed. I spoke to supervisor XXXX today at capital one and she asked for more time. Their time is up.
We arranged a settlement with a mortgage company through Senator XXXX XXXX and the CFPB. It was approved by a court. We did what we were supposed to do and so did the mortgage company. We received our payment in two checks and immediately deposited them through our mobile app for CITIZENS BANK. The money showed as a partial availability of {$400.00} for the two checks on Monday. The remainder would n't be available for another day. This is what we were expecting. Based on that, we made arrangements for part of the partial availability money to be paid out come Monday. The next day, Citizens Bank changed their minds and wo n't make any money available to us until XXXX XXXX. The teller that I spoke to only said they needed to verify they were going to actually get money. She said I was getting none of my money next week. She refused to put me in touch with her supervisors because it was the weekend and would " inconvenience '' them. She said she did not care that I have no food, medications, or other necessities to live without that money.
Bank of America won't loan me any money, even though I am a customer and have my SSDI check deposited directly into my Bank of America account, they won't loan me any money because I participate in The Social Security Disability Program. This also violates my rights under ADA. I need a vehicle and have the funds in a payment strategy but they still discriminate against me. This puts a heavy strain on my legs. When I go for a car they put extra demands on me that they don't do to others. The vehicle has to be brand new and a certain model. Bank of America is being discriminatory and harmful towards a handicapped man and won't even loan money to a customer that deposits money in their Bank which they make money on in interest but because they say I'm poor they won't loan money to me! This is unfair and not right. 

- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New Mexico XXXX
Let 's go back over the past year. Up to 10 calls a day from NAVIENT regarding a co-signed loan for my son. His loans are in a RRP ( rate reduction program ) with the exception of this one his mother has co-signed. When asked to put this loan into the rate reduction program he was told it needed to be 60 days past due and to tell his mother to not make the next two payments. We can provide names and dates is you can take this further. She let the payments go for the 60 days, and then we called about the RRP. We were told that this loan was not eligible for the RRP. So who is correct here. Called them again yesterday X/XX/17 with my son to discuss. We were told the loan was eligible for the RRP but son needed to file a financial statement. He stated he filed one in XXXX but was told that was too old. He asked the Navient rep to pull up his financial statement but he declined and said my son would need to file a new one before they could do anymore. So now my wife 's credit report reflects a default on a student loan that they NAVIENT ; issued instructions and we followed them but guess what that got us. A BIG DING on our credit. Now my wife has been attempting to pay the monthly statements and has done so for over a year but was diagnosed with XXXX XXXX in XXXX of last year amassing medical bills of around 85,000. We do n't have to pay it all as we had insurance but the deductable and out of pocket was around 19,000 which we are paying at this time. Back to NAVIENT. They called again today four times ( I am blocking the numbers now ) and some lady named XXXX attempted to collect again. I stated that we were in communication about a RRP plan and had nothing more to say until that is taken care of. This organization causes nothing but stress, hardship, and more. There is nothing one can do and they know it and continue to harass the heck out of us. Now ; if I have to get my tribal attorneys ' involved I will as a XXXX XXXX I get free legal representation. These people need to be held accountable for the actions they take. These loans are at 10.75 %. Highway robbery ... ....
I recently transferred my student loans from  XXXX  to  XXXX , since I qualify for the federal student loan forgiveness program due to my military service.  Two  months went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  stating  XXXX  would contact me about when it was time to submit payment. My  credit score then   dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  XXXX  website, I was able to make payment for the two months missed.
National Credit systems has not provided me with any copies of any contracts or agreements that have my signature on it that proves that i owe the amount of debt to them in which they are reporting to credit agencies electronically and according to credit agencies National credit systems do not have to provide the them with any documents supporting there claim
I have requested TransUnion to remove unauthorized request off my credit report for months now. I am a victim of identity theft. I did not make these inquires or authorize them.
I have 2 loans with Conn 's. They start your loan out with no interest loans and then they switch your payment amount in order to earn more interest. I was told 3 different amounts today on 3 different phone calls. They tell you you have a 10 grace period before late fees begin. Today I received an email telling me tomorrow I will incur late fees at 7 days! When you call to make a payment, they will tell you a different amount to prolong your loan. They have many complaints on the internet regarding shady practices.
I have been trying to discuss with XXXX XXXX that this account is not mine. I asked for proof of the debt they sent me a pay history with no names attached only dates and the address listed is not my address. I have tried several times to advise a rep, who tells me i must pay and very rude might I say. Now is on my credit report and I am not attached to this debt any other way at all. Thanks
Bank of America sent me a false email and stating that I did not pay my mortgage for XXXX 2015. I paid my mortgage and called them and the refused to mail me a written receipt. 
Please have Bank of America sent me a written receipt for my XXXX 2015 payment.
Two years ago I XXXX. My credit was OK - but not great due to some credit cards I had trouble paying while I was in college. However, currently, I only have XXXX credit cards with very low limits, and my credit report is showing I owe over {$5000.00} to creditors. I am a XXXX year old moth of XXXX, my husband is a XXXX in NJ and I am XXXX that I have been working hard for. I have been XXXX for two years, and XXXX has XXXX debt. Everything I purchased for XXXX has been paid in full. My credit report is now the sole reason I can not get a line of credit or small business loan to continue to grow my XXXX. I truly feel that these reports are false - because I do not even have a credit card with a limit of {$5000.00}. I am not in collections with anyone, and I am infuriated that these agencies can list I owe so much money to creditors when I clearly do not.
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.
On XXXX XXXX, 2017, I was scammed out of {$670.00}. I called Regions bank to stop the transaction but they informed me that they couldnt stop it because it was still processing. I explained to them that I had been scammed but they still wouldnt stop the transaction. Since the following Saturday was a holiday the bank would be closed. I went to the bank on Monday and the transaction was still processing, so they told me to come back on Tuesday. After I made the disputed I waited about a week to call the bank ; only to find out that the claim had been denied. The reason for the denial was because the claim was not filed right. There was also an affidavit that I was suppose to sign that the customer service representative never told me about.
Unable to find a way to file this type of complaint through the dispute system for Experian. My credit score dropped from XXXX two weeks ago to XXXX this week. There is no reason documented in my credit report why it should have dropped, all XXXX of my credit accounts are in good standing and never late. i have been paying XXXX accounts to XXXX every month. There are no major inquiries into my credit. There are XXXX old old negative accounts due to a real-estate short sale in 2010 but they have been accounted for all this time. there is no indication as to why is would have dropped. They keep mentioning that missed payments are the biggest reason for drops in a credit score, but i see no account or know of any account where I have missed a payment or was late on a payment. I would like to have a reason or have my credit score restored to the XXXX that it was before. Thank you. -XXXX XXXX XXXX
On or about XX/XX/XXXX, my phone with XXXX service was lost/stolen. I called XXXX to alert them of this fact and cancelled my service. The representative acknowledged that my service was cancelled. There was no contract. 
My credit card was charged ( {$85.00} ) for service from XX/XX/XXXX - XX/XX/XXXX. There was no charge to my credit card for the period XX/XX/XXXX-XX/XX/XXXX. Then, my credit card was again charged ( {$85.00} ) for the period XX/XX/XXXX-XX/XX/XXXX I had not resumed any service with XXXX for these time periods. 
I went to the XXXX Ohio XXXX store to straighten out these billing errors. The store manager at that time was XXXX and he and another employee XXXX, called the billing dept to straighten out this issue. They talked to a representative for about one-half hour and told me that possibly they had been able to resolve this issue but were not certain. 
So, I contacted my credit card and told them I was disputing the XX/XX/XXXX and XX/XX/XXXX charges. Subsequently, my credit card company sent me a notice stating " ... the credit card dispute with XXXX has been resolved. The credit we issued to you ... will remain on your account. '' Thus, the erroneous charges were credited out of my account and XXXX at that time acknowledged that no charge should have been made. 
Beginning on XX/XX/XXXX, I have received four or five debt collection letters from XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) and Receivables Preferred Management ( 10/08/16 ). In each instance I have sent the above information to each within the time period required. But the only result I have had is that this non-debt is sent to another company or affiliate.