WillisBack/dataset-financial-user-claim huggingface dataset:
I have worked extremely hard to improve my credit ; however, it appears as though my efforts are in vain. Everyone hits a rough patch in life and I 've definitely had my share but I worked tirelessly to repair my credit. I made tough sacrifices but it seems as though I can not get ahead. My co-worker filed bankruptcy a few years ago and has a better credit score than me. I could have done the same but eventually someone stills pay for that " free get out of jail '' card. She just refinanced on her existing home with a lower interest rate because of her great credit score. In the XXXX XXXX of last year my credit score was over XXXX with many outstanding debt. I began to pay them down and focus on home ownership. Since I 've paid down most and been current on my debt I ca n't get my score over XXXX. A loan officer pulled my credit a couple days ago and here 's what it had to say : Serious delinquencies and public record or collection filed, too many inquiries last 12 months, Time since delinquency is too recent or unknown. Now to the credit of the bureaus I do have XXXX liens in which one was released. However, it 's the same information that 's been on my report for several years. The one that 's released has not been removed from my credit reports. To add insult to the injury I tried calling the bureaus. Have you tried lately??? It 's a joke!!! Credit Bureaus and Credit Reporting Agencies rank in what the top XXXX % of complaints yet they go unmonitored and unaccountable for information they report. My goal in life is to lend, not borrow and owe no man nothing! I hope the person reading my email do n't take offense. I 'm frustrated and disappointed that I 'm penalized because I tried to do the right thing by paying my debts. If I filed bankruptcy I would be in a better position. My co-worker is just one of many stories I 've heard. The message of it 's better to bankrupt than to pay up is being heard across America. Will someone take a stand and make these agencies be more accountable for the information they report and more accessible to the pubic?
I called my automated bank phone number to check my account, and I noticed fraudulent charges from the XXXX.
I am contacting you because I am trying to get the 3 major credit bureaus to report correct information instead of fraudulent information in which they have been doing for the past 9 yrs and it is causing unnecessary stress to my health as I am XXXX and my son as he is XXXX as well. Let me first start by saying transunion is falsely reporting addresses I never lived at as well as credit inquiries I keep asking them to remove because they are fraudulent and do not belong to me and I keep contacting them and sending documentation but they refuse to correct the problem at this point I am seeking an attorney because this has gone on way to fair. Being a victim of identity theft is a lot to handle on its own. Please make these companies stop false reporting because my credit scores should be well over 700 at all bureaus. My problem with my transunion report is it shows a XXXX Inquiry from XX/XX/XXXX  XXXX   XXXX XXXX XXXX which doesn't belong to me and is fraud and I would like it removed as well as a address that is fraudulent of XXXX XXXX XXXX XXXX as I have never lived there and this is fraud and I would like it removed because it doesn't belong to me and is fraudulent. As for XXXX there are two fraudulent credit inquiries that need to be removed because they do not belong to me and are fraudulent and I would like them removed from my report they are XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX remove these inquiries at once as they do not belong to me. And as for XXXX  there's a XXXX XXXX XXXX inquiry and XXXX XXXX inquiries that are fraudulent and need to be removed as they do not belong to me.
Shapiro, Dicaro & Barak was sent a notice demanding validation of a debt on XX/XX/XXXX via mail and personal service demanding Shapiro, Dicaro & Barak validate the alleged debt they are collecting on. Shapiro, Dicaro & Barak refuses to validate the debt. After carefully reviewing the documents they submitted to the court. I have uncovered new information and extensive fraud in the alleged debt/ account Shapiro , Dicaro & Barak are alleging belongs to i. Shapiro XXXX Dicaro & Barak presented documents that have serious issues of fraud and violates the false claims act, T.I.L.A, FDCPA XXXX XXXX, Frauds and Swindles. Due to Shapiro, Dicaro & Barak misconduct and dishonest practices, i have lost {$15000.00} over a time period from XX/XX/XXXX to present. And my grandfather and husband who are also aware of this fraud, have incurred health challenges as a direct a direct result of this company and their continued trespass and false representations.
on XXXX XXXX XXXX I called Equifax to dispute a debt reported recently that was covered by my bankruptcy in XXXX XXXX. It shows the account open even though I paid it off. It also mentions my chapter XXXX bankruptcy even though it says I paid it off. I spent XXXX minutes and answered XXXX questions to verify my identity. After all of that which should have been more than sufficient, they asked me to fax them copies of my drivers license, passport, and copies of my pay stubs and my XXXX. This is unethical. I have submitted disputes with XXXX and XXXX and never before have I had such an invasion of my privacy. They only want the info to sell I already had verified m, y identity.
I am at my wit 's end. There is an Item on my credit report that is an obvious error and I ca n't get Trans Union to fix it. I had a credit card with XXXX XXXX that was closed and paid off in XXXX of XXXX. Even Trans Union 's credit report shows account closed XXXX XXXX, last payment received XXXX XXXX, and a {$0.00} balance. However, they are showing a late payment almost two years later in XXXX XXXX. It does not take a genius to see that this is impossible. I have been disputing this information for about two years now and they will not fix it. This has caused me to be denied a mortgage and to pay higher interest rates. I 've been told the best way to fix this is to file a lawsuit but I am XXXX in XXXX so I ca n't do that right now and besides I would prefer to not take those measures unless I have to. This has become even more complicated now because XXXX XXXX has sold the account to XXXX. So XXXX XXXX can no longer see the account details and XXXX ca n't get it removed because they did n't make the report. Anyone with a little common sense can see that this is an error and that it 's not possible for me to make a late payment on an account that was paid off two years earlier. This is not right I should n't have to suffer for someone else mistake.
I applied for a cash-out refinance mortgage with Quicken Loans on XX/XX/18. The loan officer,  XXXX ( cell phone ( XXXX ) XXXX ), urged me to commit to the loan in order to lock that day 's rate of 4.56 % with no points ( " par '' ) on a 30-year fixed. I told her I wasn't sure I wanted a 30-year, and needed to think it over because a 15-year might work better for me, since the rate would be so much lower ( there was a greater than 1 point spread between the two terms at that point ). She told me ( and she has an easily accessible recording of it ), " we are locking the whole market, as of today, '' meaning that, if later in the process I wanted to change to a 15-year term, it would not be a problem. I asked what the 15-year equivalent to 4.56 % would be as of that day, and she said " 3.375 %. '' Yesterday, when I let her know that I did, in fact, want a 15-year term, she said the rate for 15 years would actually be 4.475 % -- almost identical to the 30-year term -- so " it wouldn't make a lot of sense ''! She said that it would be theoretically possible to get the 3.375 % she had quote me at the time I paid the application fee and locked the rates -- but that I would have to pay {$10000.00} in points to get it!! I was irritated, so she put me on the phone with her director, XXXX, who, like her, refused point blank to say how it could be possible that a 30-year and a 15-year term would have the same rate. XXXX just kept changing the subject to " how much the market has changed in the last month '' -- which SHOULD have been irrelevant since according the the recorded conversation with XXXX we had " locked the whole market '' a month previously. It seems clear that it was a bait-and-switch operation where she TOLD me she was also locking in the rate for a 15-year term in order to get me to commit to a 30-year, but didn't actually do so. Then, when I asked to switch, they just quoted me the new rate for a 15-year, which had gone up a full point in the intervening month. But they wouldn't admit this, just kept evading the question.
On XX/XX/XXXX my Bank of America credit card was charged without my authorization : XXXX*VACATION PKG XXXX CT XXXX XXXX XXXX * NY XXXX XXXX   XXXX * NY XXXX After contacting BoA about these fraudulent charges, my account was initially credited with the disputed amounts. On XX/XX/XXXX, I received a message from BoA asking me to call them within 5 business days. I spoke with a representative of BoA on XX/XX/XXXX to confirm that I had not authorized these charges. On XX/XX/XXXX, I received a letter that a credit was issued to my account and the dispute is considered resolved. On XX/XX/XXXX, my new credit card from BoA was charged again with the disputed amounts and I received a letter that I failed to contact BoA in time, hence I'm now responsible for the balance on my credit card account. I sent a letter to BoA on XX/XX/XXXX, stating that I did in fact contact them in time and I again disputed the charges. Today ( XX/XX/XXXX ), I received another letter from BoA, dated XX/XX/XXXX, stating that their research into the claim has been completed and their decision stands. So BoA expects me to pay for these fraudulent charges even though I never authorized them.
I am the power of attorney on a Bank of America checking account ( XXXX ) at the XXXX XXXX XXXX MD, bank center, which receives monthly deposits from Social Security. The owner of the account has a XXXX and qualifies for XXXX. He uses this money to pay for his food and transportation. For many, many years, the owner walked into the bank several times a week and took small cash withdrawals. He is well known to the bank staff since his XXXX is open and obvious. Suddenly, three months ago, the Bank refused to allow him to make any withdrawal without presenting a photo ID. He does not have a photo ID. His social worker tells me that he can not get a photo ID from XXXX XXXX without a birth certificate. At the same time, he can not get a birth certificate from vital records of the state where he was born without a photo ID. This Bank also refuses to give him a debit card unless he presents a photo ID. This shameful Bank should be penalized for withholding the owner 's cash under these circumstances. In addition, the Bank should waive the photo ID requires for this owner so that he can receive the cash needed to pay for his food. How many other XXXX persons are suffering from Bank of America 's failure to reasonably accommodate them.
I have been attempting to get documentation regarding my payment history from Discover Student Loans. I first requested the documents in XX/XX/XXXX due to a change in the way the payment history appeared on my online account. That confirmation number was # XXXX. Documents were supposed to be sent to my mailing address. 

I never received the documents, and called again in XX/XX/XXXX. That confirmation number was # XXXX. I was told at that time that the paper documents were sent out in the mail to me on XX/XX/XXXX, but I never received them. I confirmed my mailing address. The person I spoke to informed me that the documents would be mailed again. Again, I did not receive them. 

I called again on XX/XX/XXXX to inquire about the documents. I was told at that time that the documents had been mailed to me in XXXX, though I did not receive them. I gave my email address and was told documents would be e-mailed to me within the week. I never received them. 

I called again on XX/XX/XXXX to inquire again about the documents. I was told at that time that the documents would appear in my online account within 48 hours and that a customer service representative would call me on XX/XX/XXXX, to confirm receipt. I was given confirmation number # XXXX. I received neither the documents nor a phone call confirmation. 

I called again on XX/XX/XXXX. Discussions with the customer service representative appear to indicate that these documents were never, at any point, prepared, even though I was told in XXXX and on XX/XX/XXXX that the requests had been fulfilled. I have now requested my complete payment history documentation four times and spent six months attempting to receive them. I was given confirmation number # XXXX for a new request. The incident number for the phone call itself was # XXXX. I was told that the requests actually never went through because " they were selecting the whole account, and they have to be selected loan by loan. '' I once again gave my email address and was told that I would receive the documents within 3-5 business days. I said that given that I had already spent six months attempting to get these documents, this was unacceptable, and I wanted them emailed to me today. I was told that was not possible.
The security breach of Equifax is unacceptable.
XXXX and other such companies make profits by requiring access to our personal information as a condition as our being able to engage in financial transactions, yet they do not take adequate steps to protect our information. Then when there is a breakdown in their security they try to place the cost on the consumer. All financial costs for these breaches should be put on the responsible parties - these companies.
All of these companies should allow citizens to securely lock their data without charges or fees for locking and unlocking / freezing and unfreezing their credit files.
Significant fines should be imposed when companies like Equifax fail to maintain security of information. There should be regular audits of these companies to make sure they are secure. Thank you.
TransUnion is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.
We have struggled to get Wells Fargo to review my application for Loss Mitigation Assistance due to hardship, income reduction, loss of rental income, and no assets. I kept being told I do not qualify I have 5 properties, however it is 3. The other ones co signed do not have anymore, we have provided all documents and unsure why I was denied. They could not explain to me the denial reasons, I have played phone tag with them for over a year now. I recently applied in XX/XX/2018 and unsure what happened and why I was denied. Now I am being told after many attempts to re-apply the sale date is close and we can not do anything. 

Please escalate this matter to their VP, Chairmans, Attorney 's as this is an ongoing process and nothing has been done with their management esclation team. No one wants to have authority to make exceptions, we love our home and need to keep for retirement purposes and have true hardship and cannnot get loss mitigation dept to to their job successfully.
This company was reporting a debt on my credit report that was not familiar to me. After seeking legal council I was advised to exercise my right to request validation of the account pursuant to the Fair Debt Collection Practices
Act. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the account with the credit bureau following my dispute with the credit bureau.
XXXX XXXX XXXX today sent yet another Demand Letter for a debt that was paid in full ( actually overpaid ) through a Chapter 13 bankruptcy. 

Previously, I filed complaint # XXXX through the CFPB and believed that this issue was resolved. Apparently, it was not. 

How many times do I need to deal with this same problem before they are fined and I receive some form of compensation for their illegal actions? This is ridiculous and a complete waste of my time and the resources of the CFPB. 

They need to be audited, have their record keeping systems fixed or be sued. Imagine their profits by doing this to enough customers who do not keep records or feel too intimidated to fight back.
I started received mail a few weeks ago intended for different parties. I have no credit relationship with the other parties. I checked the credit report from Experian and under " Personal Information '', it lists a " known by '' name as XXXX. This is not my name and has never been my name. I have birth certificate as prove and official Department of State documentation. I attached XXXX documents which include credit report, and the mailings I received from institutions that use Credit Agencies. The names are those of my parents ( however, I can not conclusively state it is not a coincidence that the XXXX names on the envelopes are my parents who live on the other end of the country ) and have no association with this residence, nor do we have credit or business relationship.
This is the response they keep giving : " was found in your favor and all identified unauthorized transactions totaling {$1600.00} were permanently credited to the account and would be reflected on the XXXX XXXX, 2017 billing statement. '' It is XX/XX/XXXX. There has been no {$1600.00} credit yet. When can I expect these disputes to be refunded? I need more up to date information about resolving this. <P/>XXXX XXXX
due to the Bank checking on fraud ( which I understand ) they denied a transaction at a local ATM due to me being out of state. ( again which I understand ) I called the bank and although in a public place require me to give my social to access the account. I asked if there is any other way and they refused to help me. I then requested a manager and they repeatedly put me on hold and then the same person gets on the phone and even though I explained to her earlier that I am XXXX miles from a branch she says they will not help me and I need to go to the Branch. After asking for the manager again and waiting on hold almost 20 minutes she hangs up on me. Can someone please help me. It 's my money and they are holding it hostage.
We closed on a 203k Loan in XX/XX/2016. All repairs were to be completed within 6 months. 
Weve had 3 different Contractors in the House for nearly 2 years now! Weve been making a mortgage payments on a fully completed project for 2 years and the project is not completed The HUD inspector never actually looked at the Contractors work ( which he is paid to do ) therefore, Contractors were paid on bad work .. ( floors ruined, ceilings leaking, sloppy unprofessional work.. horrible tile, items left in property.. just total disregard for the consumer We had to pay for 90 % of the materials out of pocket even though it was covered in the 203 k! 
Someone needs to be held accountable Can you help us please
I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.
I received a letter from Equifax XX/XX/18 that says they want me to mail copies of my social security card and other personal info to verify my identity. I am trying to get a copy of my Equifax credit report, because I believe it contains false info. I have already filed a report at XXXX. and have the report number. I did not have any problems getting this information from XXXX or XXXX and the info on those reports appears to be correct. I also want to place a seven year freeze on my credit and can not do to the resistance from Equifax. If Equifax would look at the info on XXXX  and XXXX the problem would be perfectly clear. I do not want to send anything to Equifax because they obviously have done something to make this a problem. I feel it is discrimination, because it is ONLY Equifax.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX
i had a debt with XXXX that was turned to a collection agency The CBE Group, when I made contact the advised that if I set up payment arrangements they would not report to credit bureau, I set up payment arrangements and the deductions are being taken at XXXX and the final payment on XX/XX/XXXX. On XX/XX/XXXX they repoted the debt to the credit bureau after it was clearly advsd that this would not happen. I have been allowing them to deduct electonically from my bank account. When I asked why they did this the stated that the bill was to be paid by XX/XX/XXXX which no one advsd me of. This is not the agreement that we came to and now they are refusing to remove this from my credit.
On my EQUIFAX credit report. The account is showing a REPO status. The car was traded in to purchase another car with a different car dealership. I was not in possession of the car when it was repo 'd from the other car dealership, my fees and everything were paid on time and in full. Please update my account to paid as agreed and not a REPO.
Recieved numerous calls per day from an unfamiliar number. Up to 3 times per day. Calls would be all days of the wk. Never left a message, so I wasnt sure if it was telemaketers or not.   Once I finally answered, calls were from  Capio Partners . They were calling about a   XXXX   balance due to an  XXXX  visit. Keep in mind, this company has never mailed me any documentation.   Due to circumstances, we 're currently a  XXXX  income family at the moment. I tried to set up a payment plan, and they demanded debt to income info. The representatice said " this is a new account, and you need to pay  XXXX  % of the balance before it 's reported to the collection agency. '' They 've harassed me. Failed to notify me in writing. And threatened to report to credit bureau if I did n't pay the   XXXX   % today. All of these actions does not change my ability to pay more than I have available! Horrible service from a collection company
Received a letter from BofA on XX/XX/XXXX, dated XX/XX/XXXX, stating that as of XX/XX/XXXX they would no longer be my servicer, and that they would cease processing any payments. Told me my new servicer is XXXX XXXX XXXX, in FLA. Contacted XXXX, and as of XX/XX/XXXX they had NO record of my account. They ( BofA ) did the same thing last year after I filed a CFPB complaint. CFPB closed that complaint, stating BofA was no longer my servicer. Two weeks later I got a letter from BofA saying that they had decided to remain my servicer. Not sure to whom to direct this complaint, as BofA changes their tune each time a complaint is filed.