WillisBack/dataset-financial-user-claim huggingface dataset:
It should be free to freeze and unfreeze my credit score in an easy manner. Equifax has burried their website link to freeze my credit. I ca n't find it! And I hear it cost money. I do not trust, or understand how they store and disclose my data. I should be able to protect my data, and credit score free of charge, otherwise I should be able refuse the credit score companies from collecting and storing my personal identifiable information.
Am Ex customer service is horrendous. I have been a member since XX/XX/XXXX and hate them. It took me from XX/XX/XXXX to XX/XX/XXXX to finally get someone to speak with me on a " late charge '' I incurred by paying my bill early. I spoke with XXXX XXXX on XX/XX/XXXX, she was very accommodating and removed all the charges AMERICAN EXPRESS added because I paid early and a supervisor would not call me back! She forgot to remove a {$5.00} interest fee ( just an over sight on her part ) so AMEX charged me {$27.00} interest fee on this. I pay my bill in full for 14 years now, and I pay too early and have been going through XXXX ever since. I called today to speak with XXXX like she said I could if there were any other problems. The initial operator refused to find her, so I spoke with XXXX who word for word stated " Its not american expresses fault you paid early and got a late fee! '' This can be verified as it was being recorded. He said THEY were generous enough to remove the late fees and interest accrued ( except XX/XX/XXXX, even tho they removed XX/XX/XXXX ) -THAT THEY CAUSED BECAUSE I CALLED 8 TIMES, AND POSTED ON HERE SEVERAL TIMES FROM XX/XX/XXXX TO XX/XX/XXXX TO SPEAK TO A SUPERVISOR!! XXXX has a supervisor but he told me NO ONE CAN EVER SPEAK WITH HIM! i ASK IF i COULD EMAIL HIM MY ISSUESXXXX REPLIED " NO YOU CAN NOT CONTACT HIM IN ANY WAY '' His name is XXXX XXXX, I would assume he is as much of a horse
I monthly make a {$300.00} payment to my XXXX credit card to build credit to a very limited credit line, so twice a year I can buy a {$2000.00} product without much burden to get approved. 
I went to the store to pre-order the iphoneX on XXXX XXXX, and took the time to verify the credit limit. To my surprise, it was my total credit line, and not the credit line plus {$1400.00} or so. 
So I called XXXX cards and they told me that I did n't have that amount because they had cut a check of {$1400.00} to refund me because of XXXX reasons on XXXX XXXX. at least, that 's what they claimed. 
I asked them how long does it usually take to get the check via mail ... they guaranteed 10 business days or less. So I let them know that the check never made to my home, and asked them to cancel its payment and cut another one. 
2 calls later, they guaranteed me that a check was sent out. 
I called again before thanksgiving, and they told me that that was the XXXX business day, so the refunded check should arrive on Friday, which did, but for {$300.00}. 
So i called them once again to complain about the {$1400.00} check. 
They then told me that that check had been cut in XXXX, and then I reminded them that we had already had this conversation. Finally, the XXXX escalated to her manager and ended up sharing my Bank XXXX XXXX account details for immediate refund. 
I ended up picking up the phone and could n't use the 5 % cashback because I didnt have the {$1400.00} check ( the phone cost {$1200.00} ) ... so I had to rely on the XXXX finance. 
After waiting for the " immediate '' refund as promised on XXXX, the day after thanksgiving, today, XXXX XXXX, I called them to let them know that the refund had not gone through. I was now afraid they had the wrong account information. 
So I escalated the call and spoke with XXXX, who then explained to me that on XXXX XXXX, a decision to reissue a check had been made and that the direct deposit was not made. So they unilaterally decided that a check should be cut, and no one informed me. My current balance in XXXX is negative {$1200.00} because I was counting on that promised deposit. Probably I will have to pay for negative balance, lost the 5 % cashback, and other financial implications due to their wrong-doing. 
They had promised me that the check will get to my home before this Wednesday. 
I also reminded them that they had messed up with my account before, when they mistakenly charged me interests on a purchase just because their systems were not recognizing my monthly payments due to their billing cycle. So they would see the $ 300 monthly payment made twice in XXXX extended month, and see no payment on the next month. I had to chance the billing date to fix their problem. 
I think that i should get the 5 % cash back on the purchase, interests paid on my money that they are holding since XXXX with this check refunding process fiasco, and cover the negative balance consequences at the bank. 
This is extremely disrespectful. Too many calls, too much time wasted, too much frustration and broken promises and horrible expectations.
My student loans got transferred Navient. So for a couple of years I have been going through such stress, trying to figure out, what are they doing with my payments. I have talked to over five different Account Managers, who tell me something different. They tell me that I am current one month, and then the next month, I am passed due. Every time I call the company and make a payment, I wind up getting upset! They have been mishandling my account for several months now! I would like for someone to give me a straight answer, as to what is going on at Navient? I was just told on XXXX XXXX, 2016 by XXXX XXXX at Navient, that my account was current. This month I called in to make a payment, and another Account Manager by the name of XXXX XXXX, says that XXXX was wrong, and that I am passed due! Someone please help! I am at my wits end! I thank you for your time and consideration. I look forward to hearing from you soon.
on several occasions I have submitted request for this company to remove the inaccurate information from my credit profile and my request have been ignored. they are reporting XXXX Reported on XX/XX/2009 {$140.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The creditor agreed to delete this account.
The debt commonwealth financial systems is trying to collect is from a XXXX case. I have informed them that it is not mine and that my company is the one that owes anyone if there is a bill. They said its not their problem and put it on my credit. Please help me get this off my credit and make these people leave me alone with fraudulent debts.
This is regarding my experience with Elan financial services. I had moved to XXXX, XXXX and became working resident here since XXXX 2013. I was locked out of my online account as I was using a different computer. Upon calling customer assistance they told me I needed a current credit card to be able to have access to my online account. However, my current credit card was sent to an old address in XXXX Colorado. Another thing worth mentioning is that the mail system in XXXX is extremely corrupt and I received about XXXX % of my mail sent from the U.S. The supervisor told me that the only way I could see my financial statements was if they sent them to me, or if they sent me my current card in XXXX. If they send me my CC to XXXX both my personal information and CC is in high risk of being stolen. All I want to do is pay off the balance, but I wanted to review my automatic payments over the last three years to ensure that my payments were properly allocated to both prinicpal and interest per my terms and conditions. However, they will only provide this with current CC information and they will only send this by mail, which will open me to both CC fraud and identity fraud. They will let me pay off the balance but they have denied me the right to review my statements and balance that I have been paying on for the last three years.
In XXXX 2016 the credit card company told me they mailed me a new card, I never received it, so they mailed me another XXXX. Neither card was requested by me and sent to me due to the credit card company putting electronic chips on the card. I received checks in the mail for this credit card for an offer for a zero % balance transfer. I could use the checks until XXXX XXXX 2016. On XXXX XXXX I deposited the balance transfer check for {$2900.00}. On XXXX XXXX the balance transfer check bounced. I called the credit card company and they said, the check is tied to the previous credit card number not my credit card account number so that is why the check bounced. Nowhere on the check did it say " if you receive a new card do not use these checks they will bounce '' NO WHERE. I asked the company to refund me the overdraft fee and bounce check fee and they refused. I spoke to a manager, he said " the bounce fee if from your bank, not us, we can not credit you anything ''. I asked for their Rep # or ID, they said they do not give those out to any customer, I asked if I can record him on my phone saying that, he said if you record me I will hang up, I am not allowed to be on a recorded call ''.
First of all, I never chose Nationstar as my mortgage company. I do not believe anyone in their right mind would chooses them. They are criminals!! Nationstar refuses to release my insurance claim funds for a claim on severe flood damage. It was supposed to take 3-5 business days and it has now been 17. My XXXX children have been living in a dangerous gutted house since XXXX/XXXX/15. This has been a very urgent situation and Nationstar has done absolutely nothing to help with this situation, they have only added more obstacles. As soon as this repair is complete, I will re-finance with another mortgage company. I will do everything I can to ensure that Nationstar is the XXXX.
On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX / XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX BMW Financial Services discussed the Lease Termination Options, I was assured I would receive a refund of the additional fees. 

On XX/XX/XXXX BMW Financial Services discussed the Voluntary Surrender Process with me, I requested information about Military Early Termination. 

On XX/XX/XXXX BMW Financial Services discussed the Military Status Option with me, since I had already turned the vehicle into the BMW XXXX where I originally leased it. 

On XX/XX/XXXX BMW Financial Services discussed the Early Termination Options, and explained that I would be refunded any fees that I had paid in excess. 

On XX/XX/XXXX I received payment confirmation notification from BMW  Financial Services, stating they had received my payment of {$8900.00}. 

On XX/XX/XXXX BMW Financial Services sent account Paid in Full letter.

On XX/XX/XXXX I confirmed and verified with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX. XXXX XXXX & XXXX XXXX. ) the XXXX XXXX XXXX XXXX / XXXX was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}. I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX / XXXX. 

This vehicle was not titled, tagged or registered, I was overcharged {$2100.00} when I leased the vehicle. 

XXXX XXXX XXXX XXXX XXXX stated that it never received any title paperwork or leasing documents on this vehicle. 

When I paid the early termination I was charged again for registration, title, tags, and fees. How many times am I supposed to pay for tags, title, etc? I am a Florida Resident therefore I am tax exempt, I provided all affidavits and necessary paperwork.
I purchased XXXX XXXX dirt bikes using the XXXX credit card a line of credit provided by XXXX. I got behind on payments and XXXX sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX stating she was with North American Asset Services and was collecting on the XXXX debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as XXXX ( found out later ). I then realized that not only was the debt not settled but American Asset Services sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by XXXX who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. XXXX has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.
J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and J.H. Portfolio with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
Portfolio validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX XXXX had been stolen J.H. Portfoliois very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime J.H. Portfolio must cease and desist all debt collection practices. 
In the event J.H. Portfolio or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.
I was never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX score really low I'm not able to do anything and I have fought and fought for the past XXXX years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a t-mobile phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life
I have a joint account with my mom at chase. She passed away last year, so the account was dormant for a while. I received a new card from the bank, and i remembered i have that account. i used it one time to check if it was still active, and it was. on XXXX XXXX, I deposited XXXX checks at a local ATM. the transaction went through. the following day, i went on line to check on it, and could not find the account. I called the bank helpline and was informed that the account was closed. there was no email or letter sent. and that they said they closed it on XX/XX/XXXX. i called the local bank where the checks were deposited. I explaines to them that the money is a loan, and was intended for a family vacation that my family was looking forward to, and that we are leaving that coming sunday. they said they were going to mail the checks, expedited. the vacation came and went, we still have not received the checks. i called their local bank again, only to be informed that i have to file a claim instead. and that the claim takes 10 days, again to be processed. and that tere is no way to expedite this.
On XXXX XXXX, XXXX, our mortgage was reinstated through the trustee. We are still getting hang-up calls from the mortgage company, and have contacted their attorney after calling about being able to make the XXXX payment. The representative said we were still being foreclosed on, and hung up yet again. We spoke with the Mortgage company 's attorney, who said the case has been closed since the XXXX of XXXX, and that we were good, so why are we still having these problems with this awful mortgage company? AMERIHOME Mortgage Company is the most disorganized XXXX show I have ever seen. We are still waiting for them to fix payments that were " LOST ''. We almost lost our home because of this company who bought out our mortgage, and to top it off, some guy comes to our house today to do an appraisal, which we turned down, from some bank in NJ. Why are laws not being followed? Why does this company have no regard for business practices, ethics, laws, and integrity? And lastly, why is no one doing anything about this horrible company? Not to mention that they have illegally had our house for sale for 74 days now. Proof XXXX XXXX XXXXXXXX
Bank of America is listing an account on my report but can not 'validate the debt '. 
This reporting appeared on my report sometime during XXXX od XXXX, shows that it was a charge off in XXXX of XXXX, nothing done for years, and now shows charge off status every month since XXXX of XXXX. This makes me look as though I am currently in default. 
The only BofA card I has was account number XXXX and was closed in good standing back in XXXX. The account number listed on the report in not only unfamiliar to me but BofA, in a phone conversation on XXXX XXXX, XXXX, the representative stated that BofA changed the account number once the account went to charge off status. She also verified that my original account, XXXX, was closed at my request and was in good standing upon closure. After several attempts to find an answer for me, while placing me on hold, she finally stated that they could n't find any statements past XXXX but the account was supposedly opened in XXXX and they do not know where the account came from. Furthermore, they can not provide me any documents that would validate this debt. 
Also, they reported the charge off to the IRS in XXXX which caused me to have to re-file my tax return and was charged many dollars in late penalties.
I am writing to dispute Nation Star Mortgage account number XXXX alleging that I am behind on a mortgage payment which in fact my mortgage was sold from Bank of America account number XXXX in XXXX XXXX, I had a direct deposit from my bank to Bank of America and XXXX XXXX payment was sent back to me which I forwarded to Nation Star Mortgage but Bank of America kept my XXXX payment. I was even sent a letter saying that I would receive my XXXX XXXX payment. 
I had contacted XXXX XXXX Mortgage and told them about the problem and they sent me a letter saying that they found nothing wrong with my missing payment. I also contacted Bank of America and told them that I needed that XXXX XXXX payment and they said there was no status on it so it could n't be released and after hearing this news, I contacted a lawyer XXXX and paid {$250.00} to have this issue resolved but the lawyer was unable to do so. 
I have also recently, filed a dispute with the Real Estate Settlement Procedures Act agency regarding this matter.