WillisBack/dataset-financial-user-claim huggingface dataset:
Called Transunion 's automated credit freeze hotline ( the one published on both the FTC 's and Transunion 's site ) and followed menu instructions. Confirmed that the number dialed was correct. After entering requested information, the automated menu informed me that I needed to be connected with an agent. Instead of transferring me to an agent, it transferred me to an unrelated and XXXX explicit chat line. I hung up before determining much of what it was about, but it was definitely not a Transunion agent. 

I contacted Transunion and the representative at the call center was n't able to process a complaint or initiate an investigation and was unwilling or unable to escalate it. 

I am concerned that Transunion 's automated credit freeze hotline has been compromised by a third party and that the information I entered may have been stolen. At the very least, the hotline is not working properly and represents a problem for consumers.
Chase Purchased my home for {$500.00} well below market value after they forced a foreclosure on it. They respond with answers that have nothing to do with the facts which will be proven in court THIS IS STRAIGHT FORWARD THEY AVOID THIS IN EVERY OTHER COMPLAINT THAT THEY COLLUDED WITH THE REFEREE TO PURCHASE MY HOME FOR {$500.00}
I have an American Express Debit card which was stolen from me on XX/XX/2017 along with my phone. yes I know its not ideal to keep your pin and password information in you wallet but I did. I filed a claim once I had realized that card had been being used which was on XX/XX/2017. 10 business day have clearly passed and they keep give me the run around, I have not received a resolution, provisional credit, nothing! I have contacted them on numerous occasions and have even been transferred to manager to manager and all the keep saying is that they are escalating it since they can see I filed the claim on XX/XX/2017 ... today is XX/XX/XXXX and we are 4 days pass regulation e what can I do now?
Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America XX/XX/XXXX. When I did my home refinance with XXXX XX/XX/XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XX/XX/XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopen this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a reputable bank, Bank of America must keep its promise to the customer! It not, Bank of America must pay for the damage caused by Bank of America. 
Thank you! 
XXXX XXXX
Dear CFPB, My complaint is one I'd imagine many American citizens living overseas have. All of the online forms for annual credit reporting require you submit your US address, and if you've lived abroad, you often can not verify the address on their online forms in order to obtain your credit report.

To Experian, as they are the credit agency a student-loan-refinance company used to obtain my credit, I did a request a complaint via mail but received no response and I did not seem able to contact them. There was no response via mail I submitted several months ago ( I believe in XX/XX/2017 ).

I have found it impossible to obtain my credit report because of address verification. So many online systems ( including the IRS ) fail verification on online forms for people living overseas.
My credit card was stolen approximately around the XXXX of XXXX of XXXX. I was not aware as I am sick and I do not check my wallet very often as I possess many cards. The card company is Citibank. I have called numerous times stating that I did not make any transactions after the XXXX of XXXX. The issue also is that the card company allowed the person who stole my card to spend over my credit limit. My credit limit was only 8,000 and they allowed the perpetrator to spend close to 12,000 without my authorization. The card I possess is the XXXX XXXX XXXX XXXX by Citi. Every time I call, they are very nasty to me and I have tried everything in my power but to no avail. There were no transactions processed on my account after XXXX XXXX. I had called for a replacement card and they sent me a card with the same number and when I went to use it, I was stopped inside of XXXX and pulled over to the side as if I was in possession of a stolen card. I called Citi explaining them what happened and in a very nasty manner, they suspended my account and told me they would send a new card. This horrific experience has left me to the point of bankruptcy. I am XXXX XXXX XXXX with very little income. Please help.
On XX/XX/2017 I tried to deposit a check for {$13000.00} to my Scottrade checking account with F.D.O. ( For Deposit Only ) on the back of the check. They rejected the check. They said it had to be signed with my signature. F.D.O. is perfectly legal.
This is about an INSTALLMENT LOAN, Maturity loan for the amount of {$48000.00} approx. My loan was dated from the year XX/XX/XXXX. I have been paying {$410.00} totaling 12 years X 12 months = 144 months, 144 X $ XXXX= {$59000.00} up until XX/XX/XXXX. However, my balance for INSTALLMENT LOAN still shows {$38000.00} approx. 
I received a call from 5/3 bank XXXX XXXX XX/XX/XXXX, stating if you will not pay your outstanding amount your house will go for FORECLOSURE, we will take legal action against you. When I asked them I have already paid {$59000.00}, how come the balance of loan amount is reduce by {$10000.00} and interest on that loan amount is 9.46 % please let me know what is going on? On XX/XX/XXXX I  went to the branch office near XXXX and XXXX in XXXX, ILLINOIS XXXX at XXXX XXXX. I asked the banker XXXX XXXX for contract and calculation for my loan amount, she refused to give me the copy of loan contract she said is not printable, XXXX XXXX showed me on computer screen that {$48000.00} LOAN AMOUNT+ {$76000.00} INTEREST in 25 years, They did not answer me and have harassed me to see foreclosure. I am taxi driver in XXXX, Illinois. I humbly request you to look into my matter. I have never been behind in any payment.
My identity was stolen and this student loan does not belong to me. I never applied for a student loan.
My Navient account is locked due to failed attempts at logging in. Even though I use plenty of personal information to retrieve username and changing password. It says, I should call them to have them unlock it. 
I 've called multiple times in the past year only to be on hold for more than 45 minutes then I hang up. I 've gotten though once, only to be told, " I do n't know how to help you '' and then asked to be transferred to someone that does. During the " transferring '' of the call, I 'm hung up on. I 've stopped bothering to get into my account because it 's on auto pay and they do n't bother me. 
However, it 's ridiculous for this to be happening. Managing your account should n't be this hard.
I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX  Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
I have disputed the alleged debt on a number of occasions yet XXXX XXXX continues to attempt to collect. Over the last several years they have placed this account for collections with multiple, third party collection agencies. I have disputed this debt with each collection agency and each time it has been removed from my credit bureau and I have been assured that it has been resolved/cleared. This is a never-ending cycle where XXXX will place the account with a collection agency, the agency will report to the credit bureaus-I then dispute the debt and the debt is removed from my credit bureau and I don't hear anything for a while until XXXX then places the account with another collection agency and the cycle repeats. Currently, XXXX has placed this alleged debt for collections with Maury Cobb Attorney at Law, LLC for collections. This is the 5th or 6th collection agency they have placed this account with. I do not owe the alleged debt. I have disputed this with XXXX directly. I have disputed this debt with all of the various collection agencies they have placed the account with. With each dispute, I have received confirmation that the alleged debt has been canceled and that the debt is removed from my credit bureau report. However, this is only temporary until XXXX XXXX decides to again, place this account for collections with yet another collection agency. This cycle does not end however it needs to end now.
Please see attached documents. This company refuses to return my phone calls or respond to my letters. I have attached copies of my bank statement showing I was not late. In addition, I have included the fax transmission sheet they requested showing payments made on time.
I took a loan from " Dash of Cash '' for {$700.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$1700.00} and per the Dash of Cash website I have an outstanding balance of {$570.00}, which means out of {$1700.00}, only {$120.00} has been applied to the principal amount. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than XXXX % interest. 
On this loan, that would be the Principal : {$700.00} plus XXXX % interest : {$42.00}. 
Based on XXXX law, I have overpaid by {$1000.00}.
Company by the name XXXX XXXX XXXX. Has purchased a account from XXXX XXXX  account # XXXX which is a fraudulent account that was merged with someone elses identity. I spoke with a SRA employee on XX/XX/2019 explaining fraud was involved in this account and XXXX has the FTC Fraud report and that it is illegal for them to even attempt to collect from me. SRA still pursued me Im seeking assistance from the CFPB, and FTC to help me pursue XXXX XXXX and SRA for non compliance FCRA XXXX which penalties of {$3800.00} per violation. 

Documentation attached Proof of identity, FTC fraud report, documentation of account mixed with unknown account and credit report with information on my credit report from unknown account. Illinois Attorney General report. XXXX XXXX acknowledgment of complaint.
I have an extremely common name and am very concerned because I know there is a very bad guy born on the same day with the same name as me. I found this out when an apartment complex did a background check on me and got my information mixed up with his. Today, I found an associated address that is not mine on my Experian Credit Report today using their XXXX XXXX XXXX. It took Experian a long time to send me the email to activate this service and it is currently in a " processing '' status. I need to have this address removed and lock my credit reports. Here 's the wrong address not associated with me in any way " XXXX XXXX XXXX, XXXX XXXX, MISSOURI, XXXX ''.
I declared Bankruptcy in XXXX XXXX and it was Discharged XXXX XXXX, XXXX. I filed against XXXX XXXX on an equity loan held jointly with my wife. I sent payments until my check in XXXX XXXX was returned saying no loan could be found and they could not ask for any payments because of the Bankruptcy. In XXXX of XXXX my wife co-signed with my so to purchase a home and this loan showed on her credit report. When contacted both Capitol One and XXXX XXXX report they had no record of any loan we have asked for a release of lien XXXX times and was promised a letter of release and never received anything. When we follow up they say it is in research. My wife file a complaint with Capitol One XXXX months ago and got no response. we have asked for about his lien using both my and my wife 's social and no loan is found.
i paid XXXX for services i did not receive.i was repeatedly promised i would get a website that would be very profitable.i know this business never planned to provide the products or services promised me.
XXXX XXXX, XXXX got a default judgement against me. It was removed from other two credit reporting agencies, but Equifax refuse to remove it.Disputed with Equifax refused to remove from credit report affecting my credit score and approval. Now it is showing up as a collection account with Equifax saying it 's verified. 

Also two medical collection on report with XXXX for {$95.00} and {$110.00} which was paid by insurance.
I have a Credit Card account with HSBC, USA. Recently my card was replaced due to suspicious activity on the account. 

During the following statement period ( janurary, 2016 ), an 'Autopayment ' of the full balance of {$3400.00} was taken from my bank ( XXXX Account # XXXX ) without my authorization. This occurred on XXXX XXXX, 2016. I had previously set up the account to deduct the MINIMUM PAYMENT, not the full balance. 

I contacted HSBC about this. They noticed their error and issued a 'Return Payment '. However, though the return payment showed up on my statement - they did not return the funds to my bank account. I followed up again a week later. They claimed the funds had been returned, but they had not. I offered to show them my XXXX statement as proof the money had not been returned. 

On XXXX XXXX another 'Payment Adjustment ' was listed on my statement for {$3400.00}. Still no actual funds were returned to me. At this point my credit card balance was over {$6000.00} due to HSBC error. I followed up again and at HSBC 's request opened a dispute about the charge with XXXX Bank. XXXX issued me a provisional credit. Their investigation continues. 

On XXXX XXXX, another payment adjustment was issued by HSBC. This time for {$1500.00}. Again, no funds were returned. This caused my account to be overdrawn. At this point I began to worry about how it will affect my Credit Score. I informed HSBC of this, but they claimed the issue had been resolved and the funds had been returned, but they had not. Again I offered to show my XXXX statement as proof. 

On XXXX XXXX, another payment adjustment was listed on my statement. This resolved the {$1500.00} in question, but not the initial {$3400.00}. I am still waiting for them to resolve the initial complaint and return the {$3400.00} to me. An investigation into this issue has been ongoing since XXXX XXXX. It has not been resolved. It has caused me a lot of stress as the Phone Customer service representatives are unable to assist me and will not allow me to speak to anyone higher up the chain. 

It has been over 60 days since my first complaint was filed. 

The high balance that has been listed on the account worries me as it will affect my credit score and is through no fault of my own. HSBC are also charging me interest on this balance. The Balance is incorrect due to their error. 

I am having a lot of trouble resolving this issue.
My daughter passed away on XXXX XXXX, 2015. She died from XXXX. She died intestate, my grandson asked me to be the estate administrator, so I hired an attorney and began the probate process in XXXX 2015. 
after her passing, I found out she had not paid her mortgage since XX/XX/2015.However, I could not take any legal actions ( list/sell the house, discuss issues with the lender ) until the court approved my letter of administration. It took over four months to get the court 's approval. I received my letter of administration in XXXX 2015. 
I listed the property with a real estate agent. She was not able to find a buyer. I recently hired a new real estate agent. he is actively marketing the property. We had XXXX open houses this week. However, interested buyers are very reluctant about entering in to a contract on a home with a scheduled foreclosure of XXXX XXXX, 2015.
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX
The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that speedy cash sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did speedy cash not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, speedy cash, to pay me for the years of bad credit ruining my chances of investments.
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
I started out with a XXXX loan XX/XX/1996, I now have a XXXX loan.My interest is high 9 % .I have been in forbearance in the past. I am in a income driven plan now because i asked. It seemed that Navient always pushed me into forbearance programs
The company in question is Experian. There is an inaccurate item that has been on my credit report that I have been struggling to have removed for years. I finally get XXXX  and XXXX to investigate and the item can not be verified because it is not mine. XXXX and XXXX  properly remove the item from my report! But Experian does a so called investigation that lasts over 45 days and they somehow come back and say the item was verified! As is my right in Texas I ask for the name and contact number for the person who verified the information at XXXX XXXX. Experian tells me they DO NOT have to provide me with that information. They expect me to believe they really did an investigation when they did not! It makes no sense that the other 2 credit bureaus remove the item because it can't be verified but Experian somehow magically verifies it but won't tell me how they did it! I
On XX/XX/XXXX, the borrower submitted a modification application to Wells Fargo Home Mortgage ( " Wells Fargo '' ). At Wells Fargo 's request, the borrower submitted additional documentation on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo issued a letter in which it stated that it had approved the borrower for a trial payment plan. In this letter, Wells Fargo also stated that the " terms will be provided in a future communication. '' To date, Wells Fargo has not provided a written description of the terms of the trial modification, and has failed to provide even the amount of the monthly trial payments and the start date of these trial payments.
I requested for an investigation because the accounts don't belong to me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ) ASAP
I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid XXXX to XXXX. This has caused me to receive a lot of late payments to XXXX. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to XXXX in XX/XX/XXXX. I worked for XXXX since XX/XX/XXXX. You will also see a copy of my credit score before it dropped, and emails to XXXX XXXX XXXX. In the emails you will see that I was trying to correct this error.
I was making regular monthly payments to XXXX XXXX XXXX for medical bills not covered by my insurance. I believe it was in XXXX that I received a call from them stating that they could not accept the payments that I had been making and wanted more money monthly. I agreed to pay them a maximum of {$25.00} dollars monthly until the bill was paid. The following month I did not receive a statement and shortly thereafter I received a letter informing me that I had been turned over to REV 1 a collection agency.
I immediately called REV 1 and attempted to resolve it. On the first call I was led to believe that as long as I paid {$53.00} a month it would not show on my credit report. After speaking with my wife we thought it best to go ahead and do this even though it would put us in a bind with the other medical bills we are paying. I called REV 1 back and very straight forwardly asked that if I make these payments that this will not show on my credit report. At this time the representative told me that she could not guarantee that it would not. She attempted to lead me to believe at this point that if I could pay the amount off in 4 months it would not show on my credit report. Again I straight forwardly asked if it would and she could not guarantee it. So I told her that I could not make an increase in the payments without a guarantee. There is only one month that I did not make a payment to XXXX XXXX XXXX ( and then sent no statement ) and entered into an agreement with them to pay {$25.00} dollars a month and then they turned me over to a collection agency. I do not feel this is legal nor good business practice. I do not dispute owing them money but I do dispute them not honoring their agreement and turn me over to a collection agency without warning.
Wells Fargo sold its checking and saving business in four states ( XXXX in my case ) to XXXX XXXX. I initially setup this checking and saving account when I was living in XXXX, but I moved out of XXXX  8 years ago. Now because of their business deal, my checking and saving accounts at Wells Fargo were closed on XXXX XXXX of 2018, and new checking and saving accounts are created at XXXX XXXX. The problem is, I have been living in XXXX XXXX for many years, and XXXX has my current address in their system for years. The consequence of this conversion is that, I don ; t have a bank to go to because there is no local XXXX XXXX in my state. I have to create an new checking and saving account at my local Wells Fargo bank and setup all the direct deposit and bill pay. 

This significantly affected my ability to receive salary and pay bills on time. I believe this is very unfair to me and Wells Fargo should ask for my permission firstly because I don ; t have a local XXXX XXXX in my state.
I have tried to access my XXXX file numerous times over the past couple of months. Each time I am given inaccurate security questions and told I have to write in with additional documentation. I am not comfortable sending a copy of my SSN through the mail. And I believe this is a problem on XXXX XXXX end. I just want to be able to check my report like I do with the other services.
My mortgage company will not give me a reason why I can not use the " Making home affordable Program '' again. By law, they say a person should be able to do this as many time as they need to. The first time I '' did it, they did not lower my payment enough and my interest is over 5 % still. I am XXXX years old and I do not make enough money for all the bills and mortgage and I never get to buy food. Can you please help me?