WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to get in touch with Experian and talk to a human so that I can resolve a complicated issue regarding my credit freeze. However, after many hours, I am still stuck in the automated phone system.
I received the documents pertaining to my first complaint with Consumer Financial Protection Bureau but XXXX failed to state that there would be an interest increase and ultimately a loan increase before they did the forbearance in their reply to the CFPB. Just like last year, I have the emails from XXXX where they stated a renew is needed but they did not provide the portals or state the necessary documents. I also have emailed that I sought a partner who I used to work with Doc Prep or Documents Benefits Center and they replied late. The renewal only covers next month up to a year without the previous months. During last year, XXXX has never gave me access to my account.
Notified Experian regarding inaccurate information on 4 tradelines. The results that were sent to me showed no changes to any of the 4 tradelines. 

The letter was received by Experian on XX/XX/XXXX. I received their responses on XX/XX/XXXX.  This is the correspondence that shows no change to the inaccuracies that were pointed out.
They made it extremely difficult to be signed up for income driven repayment. Even though XXXX XXXX approved mine with the same documentation, Navient kept requesting more and more and trying to hold off on signing me up. I had to yhreaten to call the attorney general to get anything done!
XXXX XXXX XXXX XXXX, XXXX, XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX Transunion and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX   Transunion and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXXXXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. Thank you
I have been a subscriber to the Equifax, XXXX, and XXXX credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, Equifax, XXXX, and XXXX. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my Equifax, XXXX, and XXXX consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with Equifax, XXXX, and XXXX. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) Equifax [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!
XXXX XXXX XXXX {$1900.00} Account was settled with 11 XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.
On XXXX XXXX, I was informed by Merrill Lynch that a balance transfer from my XXXX XXXX credit card to a Bank of America credit card would take place and it did n't, resulting in a interest charge to me of {$4500.00}. Correspondence is attached.
Hello, On XX/XX/2018, I received a phone call while outside the company on a vacation with my family. The caller stated that he was calling from XXXX XXXX and stated that we were referred to him by an individual to offer us business credit card for our business use. I was initially hesitant but agreed to proceed only if the card credit decision will be based solely on the business credit report. This was made very clear then I am asked for my social security number. I refused to give him my social security number and made it absolutely clear that I wouldn't continue when he asked for my SSN. 

I informed him that I don't want my credit to be used neither do I want to be personally linked to the credit decision. I informed him that I will not continue with process if my credit will be checked. He assured me that he can use only the business credit and then proceeded to ask for the business federal tax ID. I obliged and gave him the business information. I NEVER AGREED TO HAVE MY PERSONAL CREDIT CHECKED, INFACT, I REFUSED THAT REQUEST. To my surprise, I received a letter from XXXX XXXX addressed personally to me stating that I was denied credit card because of my credit report. What! I called XXXX XXXX and all they can say is that they will remove the point from my credit report. 

I am beyond furious for the invasion of privacy.
Citizens one bank is skewing the financial figures in my escrow account to make the short fall caused by the property tax increase to appear greater than it actually is in order to raise my monthly mortgage payments significantly. ( Please view PDF doc named Escrow -shortfall ). Also, they are double charging for the short fall. Citizen XXXX has already deducted the short fall amounts from the escrow contributions from my monthly mortgage payments for XX/XX/XXXX. They increased my monthly mortgage payments for XXXX to pay back the money that they advanced me for the Escrow short fall, which was already paid back XX/XX/XXXX. They deducted from the XXXX contributions {$39.00} on XXXX/XXXX/XXXX and then again deducted {$360.00} on XXXX/XXXX/XXXX to repay Escrow advance. Why do I have to pay back the short fall twice? 

XX/XX/XXXX they simply factored in the Escrow short fall into my monthly payments and did not deduct anything from the Escrow contributions. This year they did both! ( Please view PDF doc named Account Activity ). Another issue that concerns me is that the actual Escrow short fall for XX/XX/XXXX was only {$400.00}. How can the escrow account be short {$1000.00}? ( Please view PDF doc named Escrow shortfall ). Citizen One bank claims they are charging me over double the amount of the actual shortfall because the Escrow amount fell below {$830.00}. It would not have fallen that much if they simply incorporated the short fall into my monthly mortgage payments like are supposed to instead deducting it immediately from the Escrow contributions. By deducting the {$400.00} directly from the contributions they unnecessarily increased the XXXX deficit and made it look larger then it actually was. They did this to INCREASE MY MORTGAGE PAYMENT OVER A XXXX DALLERS for XX/XX/XXXX and THIS IS BEFORE THE Mortgage ARM AJUSTS. The rate for my ARM is not set to adjust until XX/XX/XXXX. ( Please view PDF doc named Mortgage Statement ). 

Since the escrow shortfall was deducted already from my Escrow contributions for XX/XX/XXXX, my mortgage payment should remain the same as before. Which was {$1400.00}. Because of Citizens bank double charging me for the {$400.00} escrow short fall, my mortgage payment now jumped to {$1500.00}. There should be no increase Until XX/XX/XXXX when the ARM for the mortgage is set to adjust.
In XX/XX/2018 XXXX XXXX XXXX pulled a credit with out my consent or authorization I would like this inquiry removed as it's affecting my credit.
my name is XXXX XXXX i own the house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my mortage company pacific union out of XXXX.well back in XXXX 2014 i received a letter saying that my escow was rasied XXXX. to XXXX a year for hazard insurance but i called my akin insurance and they said that it XXXX a year but pac union is been charging me for XXXX a year i wrote a letter and spoke with pac. union wont chage it and refuse to refund or correct amt.as my pay ment s monthly has gone from XXXX.month to XXXX a month thats XXXX more a year collected my number is XXXX XXXX central time my mortage number isXXXX..i want to take legel action against them for not honest.and over charging me.
XXXX   XXXX ,  XXXX   XXXX , SOuth Dakota  XXXX  XXXX  XXXX   XXXX  :  XXXX   Citi VP   XXXX   XXXX  unethically CLOSED my credit  XXXX  card account when I explicitly advise d Citi to  close a different card  XXXX .      Cit VP   XXXX  has threatened to deny  me two merch ant credits towards annual fee payment. I was TOLD vi a Citi Chat I had 3 7 days after  XXXX   XXXX ,   XXXX  , to cancel with NO penalties.  XXXX   XXXX  denies and is a habitual lair on all topics.     I have a been told  by FOUR c hat focal the same comment and will attach another chat session b y CIti employee   XXXX .  XXXX   XXXX  LIED to me about listening to chat when CHAT is text.  XXXX   XXXX  is INCOMPETENT not knowing CITI.com web site problems repeatedly asking me what web is this?     Since the  XXXX  account was UNPROFESSIONALLY and ILLEGALLY closed I am about forced to use my Ultimate Reward points immediately and not via planned time frame for best deal, closure of account  XXXX . NEVER did I authorize closure of  XXXX  ... only inquired about 37 day option which I will show in chat  XXXX   XXXX  is SO DESPICABLE an employee she has BLOCKED me from CHAT but I have captured a chat session to prove  XXXX   XXXX  is a LIAR and I deserve until  XXXX   XXXX ,   XXXX  , to make a decision on account  XXXX .      XXXX   XXXX  is unethical, dishonest and unprofessional and  XXXX  costs be LOSSES of Airport Admiral Loung, Reward points 60 day window , Emergency road  service, fourth-night hotel payment, GOLF fees.      XXXX   XXXX  is a disgusting employee with NO PROFESSIONALISM.      XXXX   XXXX  closing BOTH accounts  XXXX  and  XXXX  ( NOT requested ) and caused me significant financial damage.
I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.
This agency is attempting to collect a debt that is fraudulent from XXXX that i have ocular proof of fraud and have filed a complaint with the FTC on this fraudulent activity on XXXX and a previous debt collector and now XXXX has sold the debt as if it is valid and not corrected the fraudulent charges which were specifically prohibited by the signed contract XXXX XXXX 2009. This new agency has reported this issue as a new and valid debt and I have no contract with this agency. I have not been notified of any debt by this agency and I do not have any business with this company and refuse to do business with anyone who presents fraudulent charges as true. I never contracted with this company and have no business with them and do not intend to do business with any company that partakes in fraud by passing debt that has been proven to be fraudulent XXXX was the original creditor but they were advised and shown the fraudulent and false activity.
Hard pull from XXXX, XX/XX/XXXX all three reporting companies gave me a hard pull from XXXX, XXXX and XXXX had it removed as I have never tried to get an account with XXXX, Equifax has not removed this hard pull from my account! I need this fraudulant pull removed
Oxygen company failed to submit claim to insurance company in a timely manner. I asked for the company to pick up equipment they said they needed an order from the doctor. The doctor provided it and they ignored it. I finally took it to the company myself.
Navient put the consolidated loan with my husband into deferment without our signatures. I have been working with them since XXXX over this. I know this is a compliance issue. I worked diligently to fix this, keeping contact records. I thought we had all this sorted out but now monthly payment all went to interest because they put us in an Extended Repayment Graduated 2 years interest only. I did not ask to be put in a repayment that was 2 year interest only. My XXXX payment went to interest only. Navient 's manager XXXX XXXX does not call me when he says he will. I need help with this and I need to file a complaint because Navient broke a federal regulation putting loans in deferment without our signatures, consistently make errors on our account, and do not return phone calls when they say they will.
XXXX XXXX was my cable provider at one point. The service was not disconnected at my request and I never received the final bill at my forwarding address. I contacted the company several times by phone to inquire about the final statement. Each time I was given the round around and transferred between representatives. I never received a final bill. I was contacted by a debt collection agency and was furious. I immediately contacted XXXX XXXX and this time was connected to a supervisor and proceeded with to pay the outstanding balance. I was informed the debt collection agency would not contact me again or make any credit report listings. That information was false and I now have a negative credit listing from Diversified Consultants.
My car note was recently acquired by  Flagship Credit Acceptance  from  XXXX   XXXX . As I 've done with  XXXX   XXXX , I set up auto pay for my loan, over paying weekly in excess of the monthly payment. Everyday, EVERY SINGLE DAY, no less  than 6-8 ( SIX TO EIGHT! ) times a day, Flagship calls to collect  money I do not owe! Flagship sends me emails weekly to acknowledge the deductions yet they harass my family and me by endlessly calling our home phone as well as my cell. I 've attempted to block these harassing calls but they keep calling from different numbers ; either a  XXXX ,  XXXX ,  XXXX  or  XXXX . This has to stop! I AM NOT BEHIND IN MY PAYMENTS! As a matter of fact, I am OVERPAID.
Hello, This complaint is on Navient. I have been trying to work with them. I lost my job in XXXX and was unemployed for 4 months. Upon calling them they wanted to run a credit check which makes absolutely no sense for them to need to check that to prove i was unemployed. They never really give any form of leeway to people that are trying to give them something!
Chase bank has not been been able to resolve an issue with our mortgage payments. Their failure to post a payment three years ago has caused damage to our credit score since it seems our account is past due. We have attempted to resolve this issue on numerous times to no avail. Every time we call, a new representative takes our phone call and, after looking at the evidence, agree with us that it was a simple accounting error. We wait for another three months and call again. As you can imagine this is a XXXX situation and we are ready to take legal action. A friend recommended we take our case to this agency. Thank you and hope to hear from you soon.
On XX/XX/2017, I attempted to order my 12-month FCRA credit report from Equifax. I followed the CFPB 's instructions and called XXXX-XXXX-XXXX. 

I was connected to an automated system. Several times throughout the call, the automated system was unable to understand me, including being unable to understand my name or how it was spelled. I was eventually asked to enter my SSN. After I did so, the automated system asked me to confirm correctness, by purporting to read back the number to me. However, instead of reading back the number to me, I only heard silence, so I pressed 2 ( to indicate that the read back was incorrect ). After trying three times the system informed me that I could not complete the request of the phone, and disconnected me. 

I called back and tried various ways to reach a representative, including pressing 0 several times. I concluded there was no way to reach someone to report the problem. 

I tried calling Equifax to obtain a report directly. Equifax indicates that credit reports may be ordered by calling XXXX-XXXX-XXXX. However, this is also an automated system. I pressed 1 to request a report, then 1 again to request a free report. An automated message played back and asked me to call XXXX-XXXX-XXXX ( the number I had originally dialed ). I was right back where I started. 


The FCRA provides ( 15 U.S.C. 1681j ) : ( a ) ( 1 ) ( C ) In general. The Bureau shall prescribe regulations applicable to each consumer reporting agency described in section 603 ( w ) to require the establishment of a streamlined process for consumers to request consumer reports under subparagraph ( A ), which shall include, at a minimum, the establishment by each such agency of a toll-free telephone number for such requests. 


The relevant CFPB regulation provides ( 12 CFR 1022.137 )  : ( a ) Streamlined process requirements. Any nationwide specialty consumer reporting agency shall have a streamlined process for accepting and processing consumer requests for annual file disclosures. The streamlined process required by this part shall : ( 1 ) Enable consumers to request annual file disclosures by a toll-free telephone number ...
My husband informed me that XXXX XXXX - XXXX verbally denied his application for rental with their property management company because of the reporting of an adverse account on my credit report. I never received any written notification of this decision ; but subsequently requested a copy of my credit report to investigate this issue. 

I never took any action to apply for rental from this company, nor did I at any time give verbal nor written consent to this entity to perform a credit history inquiry on me using my social security number. 

Further, I made an in person visit to the XXXX XXXX rental office and requested a copy of the application that my husband filled out. I was advised by both XXXX XXXX and XXXX XXXXXXXX XXXX that they have no such application on file under my social security number or name.
I was paying on these bills and come to find out they were from XXXX. I was paying {$25.00} a month and every time I got one paid off. They would say add Nother one. During the time of these bills I was working at XXXX I had XXXX I also had my so security so I told him these bills should not be mine. So I just up and quit paying them almost a year ago. Was I wrong in doing till even know they should n't have been charged to me?
This company continues to report to my credit without verifying this account! I have put disputes in through the credit bureaus and XXXX was not able to verify this account and deleted it off my credit. However, the other credit bureaus still have this account reporting as verified. It also states they sent this account to a collection agency. I sent a letter to the legal dept according to FCRA 623 that I need this account validated! I get a letter back claiming they can't honor my request without signing it. This sound very sneaky to me as they claim they would have to do a signature comparison as a protection to me!!! 

*Attached is my letter to the company and a letter I received from the company
On XX/XX/XXXX, I sent a letter to AES requesting for my co-signer to be removed. The original agreement stated that a co-signer can be removed after 5 years of good payment history. However, when I received a forebarance no one told me this would count as bad payment. They said using a forebarance would assure I dont receive negative payment history and I will still qualify for a co-signer release.

My release was denied on XX/XX/XXXX.

The servicing company is AES. The holder is XXXX.