WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via my son.
I used a Chase credit card to purchase a wine cooler. The wine cooler showed up damaged, not working. I called the vendor who dragged their feet for a week, telling me a series of reasons why it was my fault, finally telling me that they could not exchange the product or have the product returned because it was used. I had owned the product for less than a week at that point. I contacted Chase to dispute the claim - from the attached documentation you can see that they made a half-hearted attempt to resolve the issue, summed up in the letter describing my reason for denial - that I had told them I was expecting a credit from the vendor which is not supported in ANY documentation provided to them.
There were charge offs applied to my credit score that I was n't notified about after i made payment arrangements with paying off my balances. I told the company during a time of financial hardship that I would be able to pay off the balances within a couple months. The called my job, even hired debt collectors and lawyers to constantly call me while I was at work even after i told them they would need to stop. This is getting ridiculous and I would like both of these companies questioned based upon their collections attempts and not respecting the time window i 've asked to contact me by. Due to the constant calls at work and on my office phone and constantly on my cell phone ( which I used for personal clients ) during work hours I was given a poor review and had to leave my job and resign.
Capital One refuses to make an exact direct transfer amount from my IRA XXXX accounts to XXXX. I began the process in XXXX 2015 and since XXXX XXXX, my attempts by e-mail, letters, and telephone, in concert with XXXX meet continuous resistance from this bank.
The company calls repeatedly day after day and threatens legal action if caller does n't call back by certain time. I share the same last name as the person they 're trying to contact but the first name is different. They use threatening tones and stress the importance of calling them back or they say will be progressing it further.
I am trying to refinance my house but when I pulled my credit report I noticed that my chase credit card is saying that i missed a credit card payment in XXXX. I never missed a payment since i opened the card in 2014. I told Chase that I did not receive the bill but they wont listen to me. I researched on XXXX and the fair credit reporting act says that all information on my credit report must be accurate. This is causing me so much stress and money. Please tell chase that they can not do this to people. 

it is showing a 30 day late payment in XXXX showing on all 3 bureaus
The following have been all removed from other credit reports, but Experian still has not removed them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Ocwen lied!, I sent you how the mess up you are, They have a report on them thru Forida, a payoff toXXXX XXXX.If thats is what they due, well think about, does it go higher to the requators, that report to the attorney general.Ocwen has XXXX XXXX of assets out thier, no wonder all the lawsiuitsare letting them off the of, imagine all of this and thier senior loans can perhaps bring us to a nother ression, Dear XXXX, i hope they have not gotten to the regulators which l eads to the attorney general, I left out a lot of complaints on them.i love my country, please if you can pass this to the powers to be, but be really careful for they have intwinded us to a ression, I learned something today, they hold You!!!!!! by the strings/To you Ocwen, i made a mistake, i will now take names and IDs and notes on you.by the way my first complaint on you was to show how messed up you are!!!!!!!!!!!!!!!!!!!!!!! Now go live with yourself/ToAll Employess, would you finance with Ocwen??????????????
On XX/XX/XXXX Carmax Auto Finance received a letter from me disputing the information they are reporting on my credit report. They responded with a letter saying they verified the account, which does not serve as proof. I requested a signature that shows that I entered into an agreement to pay them. They have been unable to provide any contract validating the information they are reporting. They also failed to mark my credit report as disputed within 31 days of my initial dispute letter. I sent another letter on XX/XX/XXXX requesting again that they remove their inaccurate reporting. I still have not received a response and they have not deleted the account. They claim I had a vehicle loan that was charged off. It is very damaging to my credit report and I need this inaccurate and unfair information to be removed immediately. Please assist.
I am writing about my American Express Blue for business account. Amex cancelled both my cards and tripled my interest over a repeated billing problem even though I caught the problem when it happened and called in a payment immediately. My payment was never delinquent more than 4 or five days. They cancelled both my cards and raised my interest rate from 8.99 % to 29,74 % on the {$18000.00} I owe them. My membership with Amex since 1980 is proof enough that I am a good customer and that I pay my obligations on a timely basis. 
I 'm retired with a fixed income, did Amex just not want my business anymore because of that?
I was contacted on XXXX XXXX, XXXX at XXXX pm in the afternoon by IQ Data International and was told I owe money for a debt and that I should pay you or it will go on my credit report. I told your IQ Data International I was completely unaware of any debt owed and had not received a bill, notice, or information about supposed debt of any kind. IQ Data International representative XXXX told me they had sent a notice and he confirmed my mailing address which was accurate. I told him to resend it as I obviously did not receive it and I would get in touch with the alleged party who said I owed this debt and had passed supposed debt onto your collection agency. 
It is now XXXX XXXX, XXXX and I received an alert from my credit monitoring service that a derogatory collection account had been placed on my credit report from IQ Data International. I called back IQ Data International again and spoke to XXXX who said they had resent a bill. I told him I still have not received a bill of any kind from IQ Data International and asked him to send the bill certified mail so I can have proof it was sent, XXXX said your IQ Data International does not do that. I also asked to have it sent COD or any other means which I will pay for, once again XXXX said your IQ Data International does not do that. So I still have no idea what this supposed debt is for. IQ Data International fails to send any documentation and when requested to send it via provable means they refuse. Instead they put an unvalidated collection account on my credit report, damaging my families financial future, which will possibly cost me tens of thousands of dollars in extra interest over the years, declined mortgage/car loan applications, and even affect my employment and future employment opportunities. I owe. In my opinion this is the financial version of extortion and certainly is not FAIR debt collection practices by any means, on the contrary, it seems illegal. 
By law I was to receive a detailed validation notice of supposed debt within 5 days after initial contact. It is now over 35 days past the first contact and I have yet to receive anything. And full well knowing I have not received this, IQ Data International still went ahead and posted this 'supposed ' debt on my credit report. Worse yet, I have made good faith efforts and reasonable attempts to try to even find out what this debt is for, yet your IQ Data International has not sent me anything while continuing to harass me with phone calls causing me severe anxiety, stress, and a feeling of helplessness. Is it not fair to know what a debt is for before paying it? Why do I own the burden of proof here?
One of my credit card accounts has shown up on my son 's credit report. It also shows up on my credit report. Our names are the same except for the suffix. It can affect both of our credit reports. I would like to have my credit card report removed from his report. This is mistake on someones part and needs to be corrected. I can not understand how this can happen when there is a definite difference in names and SS numbers.
I wanted to purchase my lease car from XXXX XXXX XXXX. I went to my bank Chase, and took out a loan for the vehicle to include the pay off amount and sales tax - this was through Chase Auto Finance. I was quickly assigned the loan and started making payments, but Chase did not send the check to pay off the car until it was past due, even though they told me they had everything. Now they have sent the check to pay off the loan but will not send the sales tax amount of XXXX - I keep calling and sitting on the phone with them in conference with XXXX and they agree that they will send the check. Then they do not and I receive a call from XXXX saying they can not transfer the title. I do not know what else to do. I have ask several times and the tax amount is included in the loan I am paying on.
I received a letter from this company demanding payment for a debt that is not mine. This is the XXXX debt collector that has sent me a demand for payment concerning this alleged account
My son sold a camera to an individual a site and was paid by the individual via Paypal transaction. Unfortunately he is a XXXX XXXX therefore does not have a steady income and was not expecting for the buyer to return the item and had already purchased another camera to do a XXXX job to help me out with bills as I am permanently XXXX due to XXXX XXXX XXXX XXXX and living on a fixed income and we are living with my elderly mother as we are unable to be on our own at this time. As soon as we were notified by Paypal I myself personally contacted Paypal and spoke with a representative named XXXX approximately on X/XX/18 and I asked her specially if we could make monthly payments in good faith and explained our situation, I also asked her about collections and or credit reporting and she informed me that they do not report to credit angencies and that yes I could make payments on what I could afford. I then made a {$5.00} payment immediately and it was accepted by Paypal via electronic check therefore they accepted the payment therefore what I paid was accepted as good faith payment and it was not returned by Paypal therefore they had no right to send this account to a collection agency without any communication via phone other than one email I received and that is when I responded to them via a telephone call. I will not be harassed by this collection agency as I know my consumer collection law rights and all the processes that did not take place in the handeling of this account. I will also be contacting the BBB regarding PayPals failure to honor what they told me or the lack of any hard copy written communication to me regarding this matter! When I contacted Paypal initially regarding this matter and my means of helping my son pay the balance off they assured me that my account was notated and that they would accept what I could pay as long as I made a good faith payment which I did and I was never told it had to be any specific amount and when I asked XXXX told me just be sure to make a payment of what you can and I wil notate your account. So that is what I did. A few days later I received this notice?!! Also, the information needs to be changed to my sons name XXXX XXXX and I will provide his social security number to Paypal over the telephone because he is the the seller and needed to utilize my Paypal information to be able to sell the camera initially but I will be helping make payments towards this balance as he is not permanently employed and helps me out by working when he can get a job taking XXXX.
After reviewing my credit report I saw that I owe Renton Collections for a dental bill that had went into collections. The amount stated is {$280.00}. I called Friday XXXX XXXX asking if they would do a settlement on what I owe. I was told no that I owe {$280.00} and I could either pay that full amount or make two payments of {$140.00}. I said okay I will talk with my husband and see what I can pay and call back. Three business days later I called back to go ahead and just pay the full amount of {$280.00}. I was then told by the guy, XXXX XXXX, that I owe {$420.00}. To my surprise, I said what?, I just called friday and was told that I owe {$280.00} and that I can pay it in full or make two payments of {$140.00} and that they do n't do settlements. I said yes I got that but why did it go from {$280.00} to {$420.00} in three days? He says interest. I then said okay I need to figure something out then. I called back an hour later and asked to speak to a supervisor. Her name was XXXX XXXX, I explained to her my XXXX conversations with the previous agents and she then tells me I owe {$480.00}. I 'm trying to ask about how it went from {$280.00} to {$420.00} and then to {$480.00} all in three business days and she says I must have my numbers wrong and kept bringing up the fact they do n't do settlements. I kept stating, I know that, I want to know why the balance has changed so much. She did not want to answer my direct question why the difference. I got so frustrated I just hung up. It 's upsetting that they treat customers who are trying to pay off a debt now that they 're able to.
On XX/XX/XXXX I received a letter from Equifax informing me the results of my investigation are complete and lacked any proof of verification. Police and identity theft reports were received by Equifax containing accounts that were opened without my consent. Neither the creditors/collection agency has yet to respond to my dispute, therefore Equifax could not have verified these debts.
I consolidated my XXXX XXXX student loans when I entered XXXX XXXX. At the time I was not notified that loan consolidation would or could disqualify me for XXXX loan forgiveness. 
Due to hardship I placed my loans in forbearance and of course the interest piled on. Forebearance nearly doubled my student loan debt. 
Several years later, a fellow XXXX told me about the XXXX forgiveness option. I submitted my papers and received a letter from Navient telling me my consolidation disqualified me for the forgiveness program. 
The only time XXXX XXXX or Navient has ever contacted me was when I was late on a payment. 
Not one representative bothered to inform me of available resources such as XXXX forgiveness programs or better repayment options than forebearance I have been paying my loan for years and since the loan balance never seems to budge, I will still be paying when I retire. 
Dissatisfied and disgusted! 
XXXX
On XXXX XXXX, XXXX I worked with a rep. from XXXX re. inaccuracies on credit card ending in XXXX. XXXX reported that I was 'past due 90 days ' in XXXX, XXXX, and XXXX of XXXX, according to an Experian credit report pulled on same day ( refer to complaint # XXXX for credit report number ). The rep. reported that I had missed no payments for the months cited. In addition, she said that I was on a payment plan and " When on promised plan, no adverse reporting to credit bureaux if current on ( agreed ) payments ''
I used my Macy 's card to make purchases over the past few months. When I went to pay my bills a couple months later, I noticed that I never made a payment to Macy 's. When I called Macy 's, I was immediately connected with the collection department, who notified me that I never paid bills, had accrued late fees and was reported to the credit bureaus as delinquent. Furious, I demanded an explanation as to why I was not contacted before they took the latter step. They claimed they called and sent me online statements. They had my phone number correct, and could not verify my email address. However, they claimed I had authorized online statements, which is the reason they gave for me not receiving a bill. But, you ca n't verify an email address for that? Sounds fishy ... Nonetheless, I do n't recall making the paperless billing authorization ; it was most likely in some fine print that I missed, if what they claimed is true. Still, they never reached out by phone, and they were able to verify they had the correct telephone number. They also never reached out by mail ; the address is correct since they sent me a new credit card to that address. I requested they remove the late fees from the account and remove my delinquent status from the credit bureaus. They removed the late fee, but said they could not remove the delinquent status. I paid the account in full and closed the account. I pay my bills on time, when I get the bills! Consumers should not be reported to a credit bureau as delinquent until an attempt is made BY MAIL and BY PHONE to contact them. Neither option was used. Is that even legal? It should be, especially in the world of 'paperless billing! '
I am XXXX and Nissan motors acceptance cooperation has been accusing me of not making payments even though I have been paying above the minimum amount since I got the car. On top of that, they keep adding on these " late '' fees even though I 'm paying them on time. They have been blowing my phone up every single day for months now. At least 2-4 times a day. It does n't matter if I answer or do n't because they say the same thing. I keep blocking their number but they just keep calling me from different numbers. I told them many times that they are wrong about me owing them money. I told them they are harassing me and to remove me from their calling list but they just became more disrespectful towards me, making more threats, and calling me more everyday for no reason but just to harass me. These guys are crooks and I 'm tired of them treating people like this. It 's like they think I 'm rolling around in money but really I 'm barely making it by paycheck to paycheck. On top of all that these guys are ruining my credit. I went from having great credit to very poor credit because of these people accusing me of something that 's completely false. They 're are ruining my life.
Debt unknown. I got a call from XXXX XXXX stating he had legal action against me. He stated they had " certified legal action '' to deliver to me. I called back and got and XXXX answered with only his name and Claims. I asked what company he was with and he stated Bayside Capital. I have never heard of this company and do not appreciate a company who has sent me no correspondence with me stating they will show up at my work or home.
I have tried numerous times to get a free credit report and do the annual credit and it says the information i 'm not putting in is correct when I know for a fact it is, it ask strange questions about home loans being taken out in 2011 and i 'm only XXXX and have never purchased a thing in my life. So I definitely think something is wrong.
In XX/XX/XXXX my now XXXX mother needed my help to refinance here home.So I helped her and I became part of the mortgage loan.At that time XXXX XXXX was the lender.In XX/XX/XXXX I had a new child born that was born XXXX. I was then forced by family court to illegally pay child support for my children in which they were living with me. With this illegal act my credit was ruined for not being able to pay for credit issues I had beforehand.Mostly all the credit companies I owed sent me to collections and they were seeking garnishments for not being able to pay.In XX/XX/XXXX, my mother passed away and I had to submit her death certificate to XXXX XXXX.After I submitted my mother 's death certificate XXXX XXXX quickly sold the loan.Keep in mind that my credit was destroyed when the mortgage was sold to PennyMac.PennyMac received a mortgage without investigating my credit as a borrower.So they tried to foreclose on the property because of their improper practices.I got the house out of Foreclosure in XX/XX/XXXX and in XX/XX/XXXXbecause of unfair practices by PennyMac.In XX/XX/XXXX the property needed serious roofing repair while I was in foreclosure repair.Their lender placed insurance company XXXX sent out their inspectors and agreed to do the repairs.After {$42000.00} worth of repairs was done to the property while going through foreclosure repair they denied the claim and left me to pay the bill with destroyed credit.Garnishments started coming out of my check and I Have n't been able to even eat or pay my mortgage.This is a very sick situation to live under please Help!!!
I 'm filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The dispute have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which ca n't be verified that I have disputed. Please resolve this manner as soon as possible. 
Thank you.
On or around  XXXX   XXXX ,  2013, I w as made aware of a credit card opened in my name with several charges I did not induce. Upon calling  XXXX   XXXX , I was given the run around and eventually was told there was nothing they could do. Since then, the account was tossed into collections with a company named  Portfolio Recovery Associates, LLC.  I have since attempted several times to contact them to inform them that his debt was not mine, only to be told otherwise, that I was indeed responsible for it, and even had threats of wage garnishment if the amount of {$390.00} was not paid. I was told today after I called asking for a settlement cost that it would be {$310.00}. As I was about to pay, my wife told me about CFPB and you  may  be able to help. I look forward to working with you to have this taken off my credit report. Thank you!
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Between XX/XX/XXXX, I opened Personal and Business Checking and Savings Accounts at Bank Of America. 
The accounts were fairly active. XX/XX/XXXX Bank of America 's early warning department flagged my account for insufficient funds and closed my accounts, requiring that I pay my the NSF 's and bring my account current before the accounts can be reopened. I subsequently paid all those accounts and requested that those accounts be reopened. 
Bank of America reviewed the accounts and claimed they will never open any account in my name ever again, on the assumption of illegal operation. Since their was neither an investigation or proof of any illegal activity or any intent to be fraudulent, I want to know if Bank of america or any bank can arbitrarily refuse an american citizen or a us resident access to banking services.
An account that is already expired, is transferred constantly to other collection agencies. This is the third collection agency to contact me. A previous agencies have been told they do not have economic resources and I am a person of XXXX years old. This situation causes me complications with my health.