WillisBack/dataset-financial-user-claim huggingface dataset:
Attempted to request Security Freeze on XXXX web site. When directed to apply on line, simply see " loading ''. Inexcusable. When I call, receive recording indicating where to mail a request! I am sure banks do not have to do any credit requests by mail!!! 

Interaction with Transunion was immediate on the Web. 

Where is the CFPB. You are the CONSUMER protection bureau, not the credit rating agency protection bureau. Your inaction is inexcusable
Due to unforseen circumstances, I was delinquent on my TD Bank retail charge account representing furniture store XXXX XXXX XXXX. I was delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was marked as delinquent 30 days for the month of XX/XX/XXXX according to the credit bureaus. After this time I paid all future bills on time until the closure of the account in XX/XX/XXXX. I contacted the company XX/XX/XXXX and received a statement credit of {$37.00} on XX/XX/XXXX for the late fee issued XX/XX/XXXX. After speaking with multiple people from customer service department, my credit bureaus still show 30 day delinquency for the month of XX/XX/XXXX.
In XX/XX/XXXX I called my mortgage company ( Citi Mortgage ) and told them my sons dad left and id be down 1 income and wasn't going to be able to make my full house payment. at this time I wasn't behind at all. They told me no and in order to receive any help from them I would have to be behind in payments. So XX/XX/XXXX came and went. Now XX/XX/XXXX I applied for a modification. over the next year Citi did nothing but gave me the run around. I had to submit the same documents numerous times, they would close my application for no reason, I had turned in every document before the due dates, I have confirmation from them numerous times that all my paperwork was with underwriting, they switched homeowners specialist on me 3 times. And I have all documents, emails, mail that proves this. So finally comes XX/XX/XXXX and they come to me with a modification. Now the whole past year of them giving me the run around I now am behind {$10000.00} when it started I wasn't behind at all. So they tell me my new Making homes affordable modification is {$900.00} a month, no change to interest rate, and my loan gets pushed back to 30yrs. My original payment that I couldn't afford was {$850.00}. If they would had done this within 90 days since I did my part then I wouldn't had gotten behind. So then I asked them what if I pay {$6000.00} then will that lower my payment they wouldn't accept it. They did this on purpose and have been taken to court and lost for doing this to others. PLEASE HELP ME
I obtained a loan through XXXX XXXX in XXXX. I attended the program and finished. After 6 months I make payments. Since the program is a scam and only 30 % of people who finish actually get employment I was hard on finding work. From XXXX to XXXX I asked a few times about reducing payments or getting deferment. I was always told that it was not possible. I paid {$210.00} a month usually for the {$21000.00} loan. So my parents who cosigned paid. I later in XXXX was married and we made a mistake on our lease. Due to cost we told them we could not pay, by this time it was a Navient controlled loan. I again had to force my parents to pay. <P/>As of right now my wife and I are filing for bankruptcy. I can not begin to tell you how incredibly angry it makes me that no company with refinance or consolidate my loan through them. I can not even obtain the public servant forgiveness benefit, being a career XXXX due to how the loan is labelled. It is ridiculous these banks are allowed to have more rights than a human. They manipulate and hide behind that title iv law to get money and saddle the poor or those in need with crushing debt. <P/>I am filing bankruptcy to protect my house and vehicle since my wife and I have borrowed too much since we were paying all the extra {$600.00} a month, between her {$270.00} and my {$210.00} payments, to pay the loans but we can not even get rid of them now because they are private loans that are protected by educational benefits. Neither of us obtained jobs related the certificates we received. It sickens me and makes me extra disappointed that my child will one day have to endure these confusing and troubling tricks lenders use to prey on the young and misinformed. <P/>I have made every honest attempt in my life to pay this loan and the balance is still sitting at {$19000.00}. I think that given my employment and access to a forgiveness option PLUS the fact I am filing bankruptcy I should have some way to remove this debt. Its a private loan. Period. A private PERSONAL loan. They will not allow me to remove my parents as cosigners. I can not get income based repayment since I make decent money and they never ask anyway. I never get forbearance as a way to catch up and actually save so that I can not borrow for emergencies.
XXXX XXXX opened 7 fraudulent accounts, where they list me as a cosigner. All the applications contain mostly false information about me ; e-mail, employer, income, assets, mortgage, citizenship status, electronic signature, etc. 

The loans were approved by XXXX XXXX, based on applications that were completed and signed only by the borrower without my knowledge, permission or authorization. 

Following a previous complaint, XXXX XXXX investigated the fraud, and based on evidence I provided, they accepted my allegations of identity theft. My name was removed from 6 out of 7 fraudulent accounts. 

XXXX XXXX did not remove my name from account XXXX, because, they claim it was obtained with my knowledge, permission and authorization. 

This is inaccurate, it was obtained without my knowledge, authorization, permission or signature. 

According to page 1, Section C on the application, my knowledge and my signature are required for this application to be approved by XXXX XXXX. The borrower completed this application, same as the others, as XXXX XXXX knows, with false information about me and her signature, without my knowledge or signature. 

XXXX XXXX knows the borrower filled and signed as the borrower and as the cosigner. 

Since the loan was approved based on fraudulent misrepresentation. I do not understand why XXXX XXXX did not remove me from this account like the others. 

I want to be removed from this account, and remove it from my credit file.
Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed item from your credit report without notifying you in writing within 5 business days. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable.
Last bill dated XX/XX/2016 shows account paid in full and a XXXX balance.
I received and accepted an offer on a condominium in XXXX XXXX XXXXXXXX on or about XXXX XXXX, 2016. The closing was scheduled for XXXX XXXX, 2016. I was asked on XXXX XXXX, 2016 to give the closing agent a two week extension, which I granted. XXXX XXXX, I was asked for another 2 week extension, as the closing agent had been unable to acquire the Assignment document and number from the mortgage servicer, OCWEN Loan Servicing , LLC of XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. My account number with OCWEN is XXXX. I spoke with the closing agent yesterday and was informed that OCWEN had asked for another 48 hour extension to provide the information. My buyer is about to withdraw the offer due to the delays. Can you help me in obtaining the required documents.
I have been alerted that my " ex-husband '' filed jointly or something that put a tax lien on my credit report. We have been divorced XXXX. I have not worked since XX/XX/XXXX due to being XXXX and recently have gone to my hearing for XXXX which looks like the outcome is going to be good but I 'm waiting on that letter still. After 3 yrs. this is a blessing to me, which explains the past three years of my credit rating going downhill drastically since I could n't pay any bills other then what my children could help me with. On that note it had to be the utmost needed necessities, like a roof over my head for XXXX example! 

He 's not married to me or anyone else that I know of! He only helped me with some bills since I have been XXXX and he told me he was going to file using me as a " dependent '' since he helped me for at least 6 months! I have had no income coming in other then my XXXX children paying the needed bills to survive here, which has put them in many binds. This is when he started helping out as well for about 6 months or so, BUT then his unemployment ran out and he went on food stamps & medical. He also stayed in this house frequently and uses this address still since he has no address yet of his own. He has n't changed it yet but he will now! After all the stress I have been through the past 3 yrs alone, now I see this on my credit rating I HAVE A TAX LIEN on my credit report that belongs to HIM! He should of never, NEVER put me on his taxes " JOINTLY ''. I need this removed ... this is not my debt! When I worked I filed my taxes every year! In the past, he went with out paying his taxes for about XXXX to XXXX yrs, I am not sure of the actual amount of years but I 'm positive it was a few years at least! This occurred approximately about that many years or so ago when he failed to file. Naturally they ( XXXX XXXX Federal & State caught up with him on this, but he has failed to keep up on the payments he had arraigned XXXX. Now I find out that he filed at some point " jointly '' with me and I have a Tax Lien on " my '' credit report!?!?! He does not live with me, he is not working again XXXX just lost another job ) due to his drug addiction, hence why he does n't come here anymore I will not have my stuff stolen either! I do n't know what to do here I am livid, Please I need some help here! 

Attached are XXXX screen shots of XXXX XXXX showing it is on my Transunion Report as well as my XXXX report so I have no doubt it 's on my XXXX too! Please please help me with this matter. I am also going to try to make some calls to the help tools provided on the XXXX page.
XX/XX/XXXX - I initiated a call to Global Equity Finance after receiving multiple letters from them advertising their low interest rate to refinance mortgage and get a cash out. My call was transferred to XXXX XXXX, XXXX XXXX, Executive Loan Consultant | XXXX ID : XXXX, Direct : XXXX. Later that day I received an estimate pertaining to my inquiry ( refer to the attached file containing email exchange with Global Equity ). 
XX/XX/XXXX - I was told I need to pay {$480.00} for home appraisal, but that charge will be refunded in case Global Equity is not able to offer me the exact terms we discussed ( 4.875 % interest rate, $ XXXX cash out ). My credit card was charged for {$480.00}. 
XX/XX/XXXX I received a link to review and sign electronic documents. Upon reviewing the documents, I found out that the terms of the loan were different from what was previously discussed, the closing costs were exorbitant, the cash out amount was less, and the interest rate was higher. I have emailed XXXX XXXX telling him the terms were not acceptable and that I will not be moving forward with a loan. XXXX said Global Equity is  still structuring my loan, and since then I received several iterations of the estimates, none of which were acceptable to me. No electronic documents were ever sent to me, and all links where I could access the documents, were quickly disabled, so I never got a chance to get and keep a physical or electronic copy. 
I have requested a refund of the appraisal fee of {$480.00} multiple times by email and over the phone. I have been in contact with XXXX and his supervisor. I have also reached out to Global Equity legal department to no avail. 
I understand that under Regulation Z, I'm entitled to a refund if I do not close, or close and rescind : Reg. Z - 12 CFR 226.15 ( d ) Effects of rescission. 
( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge. 
( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

Appendix c : Paragraph 15 ( d ) ( 2 ).
1. Refunds to consumer. The consumer can not be required to pay any amount in the form of money or property either to the creditor or to a third party as part of the occurrence subject to the right of rescission. Any amounts of this nature already paid by the consumer must be refunded. " Any amount '' includes finance charges already accrued, as well as other charges such as broker fees, application and commitment fees, or fees for a title search or appraisal, whether paid to the creditor, paid by the consumer directly to a third party, or passed on from the creditor to the third party.
I have had these loans for over 10 years, and the servicers have changed twice. What has not changed is that using their websites to setup automatic payments or make payments seem to be designed to be difficult. For example, I am trying to refinance the loans now with XXXX XXXX, and the Navient site does not produce a proper statement that would give a refinancing institution the necessary info to confirm payoff and status. 

Several times in the past I paid over my minimum payment to try to pay down principal more quickly, but always had to jump through several hoops to get the payment applied to principal. Their defaults for payments are in their favor, and if I did not message or call them after every payment, they were made towards interest so that they would continue to earn more interest over the life of the loan. Even now with my automatic payments I am reflected as " paid ahead '' instead of payment amounts going towards principal wholly.
I 'm in the process on getting a home, the person that 's running the credit and so I can be approved is saying every time she tries to run it 's telling her " inquiry information identified as fraudulent by consumer error ''. I 've been calling for the past two weeks, I started calling to be exact XXXX XXXX. They started asking me questions, the representative told me I had to fax paper work ( id and social security card ). That it will take 48 hours for it to get there. So the XXXX I sent my documents, waited and I called Monday. They said they did n't recieve anything yet, I asked to talk to a supervisor, name was XXXX. She said they got the documents but that the documents I 've sent the numbers were dark and they could n't read them. She asked to fax them again, so I did. I called again the XXXX, again They were having trouble finding my documents, got transferred to 4 different. One said they had em another said they did n't. I sent my documents again and the same issue. They were giving me the run around. They transferred me to a supervisor in XXXX, remind you I was on the phone for 1 hour 20 min, she told me that I had to wait 2 months, I had to create a profile, that they were was n't anything they can do. I have my receipts from what I sent. Even XXXX XXXX sent them a credit history and she still said I needed to send again, I had to create a profile etc etc. it 's very aggravating because again, I 'm in the process of purchasing a home and I wo n't be able to until this issue is fixed. I have names of the ones I spoke to and times. I explain to them my ssc was stolen but that 's why I was sending documents to confirm I 'm the same person in the social security.
XX/XX/XXXX - new home insurance policy took effect with XXXX XXXX XX/XX/XXXX - i called PNC spoke with XXXX - notified them of the new carrier and to NOT pay XXXX This policy was not executed as it was only a quote we received from them. 
XXXX entered these notes and indicated that they had not received anything from XXXX. 
XX/XX/XXXX - received an escrow shortage statement with a home insurance payment in the amount that matched the XXXX quote - no indication of payment to XXXX. 
XX/XX/XXXX - spoke with XXXX XXXX at PNC - she indicated a payment was made to XXXX on XX/XX/XXXX and a payment was made to XXXX on XX/XX/XXXX. PNC paid 2 annual premiums in a span of 5 days even though I had already informed them of who to pay and who NOT to pay. I was given no explanation as to why my notification was not followed. Now my escrow account is over drawn and PNC wants additional funds. It is over drawn because they paid 2 different companies full annual premiums. I now apparently have to follow up with XXXX to get the incorrect payment back from them and then figure out how to get MY money back to my escrow account. 
PNC has totally failed in managing my escrow account.
This complaint is against MSW Capital, LLC., I sent a certified/return U.S mail request for " notice of right to dispute '' to there business office location MSW Capital , LLC . XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I sent it on XXXX/XXXX/XXXX they signed for it on XXXX/XXXX/XXXX. XXXX XXXX has stated they have had this account since XXXX. MSW Capital LLC is a debt collector. 

Attached the following documents Address verification from corporation reports, letter sent to MSW Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, copy of return receipt certified US mail
My personal information was stolen. I froze my credit in XX/XX/XXXX. I unfroze my credit in XX/XX/XXXX. Experian is not releasing my credit. I sent them two letters separately, one for unfreezing my credit and another one for removing the security alert. They are saying that they did not receive my fraud alert envelop. Now my credit is not verifiable by XXXX and I ca n't write my prescription. I believe Experian has highjacked my credit. Can you help me to release it.
I took out a HELOC with PNC bank in XXXX of last year ( XXXX ) and promptly set up an automatic payment to be deducted from my external checking account. This loan has an XXXX Only period during the 'draw period ' and the automatic payment is set up to pay this interest payment. PNC initially failed to set up the automatic payment - despite XXXX attempts during which we followed their instructions to set it up - so we made manual payments and eventually in XXXX they confirmed that the auto pay is all set up. But then, they started sending me notices that my account is in default and past due, when I called they assured me the letters were sent in error and it is " all fixed now ''. They attributed the error ( which they said is affecting XXXX of their customers XXXX to a " software glitch '' in their new servicing system. despite this assurance in XXXX, they kept sending me such notices of being in default, ( despite me seeing them withdrawing my monthly payments on time from my checking account ) I spent hours on the phone with them, they kept assuring me all is good and fixed but not so! Most recently I received a XXXX from them saying that they are suspending my " credit privileges '' and I will no longer be able to draw on my line of credit. In fact, as of the time of this writing my account shows as suspended. My most recent communication with PNC was on XX/XX/XXXX with a supervisor who explained that the issue was that the payments, although timely, were erroneously being misapplied by their system and instead of covering interest the entire payment was being applied to principal thereby making it look like I was past due with my interest payment. This supervisor said it will be fixed very soon. I asked why did PNC not send any written communication to those XXXX affected customers, explaining the issue and assuring them this will not affect their credit reporting, etc ...? this supervisor said he does not know why. I asked if he can email me this assurance in writing and he said he is not sure what he is authorized to put in writing. 

At this point I do not know what to do other than turn to you. I am concerned about this eventually being XXXX reported to the credit agencies as a derogatory payment history ( I take my credit standing very seriously ) and although I don't have any immediate credit needs the point of obtaining this line of credit was to have credit available to me and now it is suspended because PNC still has not fixed their issue. I also can not keep spending hours on the phone with them trying to fix this - I don't have the time for this. I just want this fixed once and for all. I am a good customer who pays on time - PNC needs to get their act together and do their part!
First off my balance on my personal credit report states that my balance is {$9700.00} and my highest balance is {$9500.00}. Where did the EXTRA {$210.00} come from being that my contract literally just started unless this company charged over {$200.00} interest just to approve the loan which is illegal??? Out of TWO ON TIME MONTHLY PAYMENTS 0 has been reported to any credit agencies. These numbers are extremely inconsistent to the original financed amount which is shown in the photo provided which is stated by Exeter to be {$9500.00}. Out of TWO ON TIME NEVER A DAY LATE PAYMENTS OF {$290.00} which total to {$580.00} my balance has only decreased by {$61.00}. So where have my payments actually went? Why are inconsistent amounts being reported by Exeter through multiple outlets? I also have recorded conversations of the lies Exeter Finance has told.
Experian is reporting an old debt from XXXX XXXX - its older than 7 years old - the debt was opened in XXXX paid in full in XXXX its also being reported as 30-59 Days Late when the loan is paid in full. 

i tried to obtain a car loan recently and was denied due to this old car debt being reported on my credit file. Its not being reported to any other bureau but experian
I received a letter on XX/XX/XXXX about a debt from XXXX from the company called convergent outsourcing, Inc. Their address is PO Box XXXX, XXXX XXXX WA XXXX or XXXX XXXX XXXX XXXX. I do not have any debt from XXXX. This looks like a scam letter.
On XX/XX/XXXX, via my " XXXX '' security company, I took a look at my Credit Bureau Accounts. I noticed that " XXXX '' is listed on my Credit Bureau reports. I have not ever contacted this company to request credit. The documentation states that the account was opened on XX/XX/XXXX and has a credit limit of {$2000.00}. I suspect that this is an attempt at identity theft or fraud. How can I get this information removed from my records provided by the 3 major Credit Bureaus? 

I looked online and discovered two possibilities, which may be of assistance to you. They are as follows : CBNA -- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( or ) XXXX XXXX  XXXX, XXXX XXXX, SD XXXX AND XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX Phone Number ( XXXX ) XXXX ; FAX Number ( XXXX ) XXXX.