WillisBack/dataset-financial-user-claim huggingface dataset:
The credit freeze process is burdensome and needs to be streamlined like the ease of obtaining credit reports. 

I filled out one form for all 3 agencies through XXXX, and got a credit report from all 3 with ease.
Each 3 companies have different hoops to jump through, and make it impossible to freeze credit reports online. 

Since they all sell monthly monitoring for a fee, their pay services are front and center. 

It seems they want to make it hard to obtain freeze online so you will give up and buy their service. 

I realize with the XXXX data breach things are quite busy at the reporting agencies. 

Try freezing your own credit online and see for yourself how this does not work well at all.
Some body run my credit with out my knowledge here is the date and company XXXX XX/XX/XXXX CHASE AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I was notified on X/X/2017 that my equifax SSN, DOB, address, and more have been included in the recent hack into their system. I registered for credit reporting through equifax that states it will begin monitoring for 12 months starting X/2017
Nations Recovery Center did not notify the credit reporting agencies after I settled with them on XXXX XXXX, 2015. I am looking to refinance my car and because they did not report payment to the agencies, my credit has not improved. Today 's date is XXXX XXXX, 2015. 

I have repeatedly called them and they just leave my call on hold.
I was involved a severe accident on XX/XX/XXXX. I promptly contacted my insurance provider, XXXX, to notify them and begin the claims process. To my disbelief, I was informed that NONE of the damages to my vehicle would be covered - but that XXXX would provide coverage for my medical bills and the other involved parties expenses. While I am relieved to receive partial coverage - I am absolutely frantic that there was a discrepancy within XXXX that has allegedly disqualified my vehicle from the " full coverage '' that I and my lienholder ( Santandar USA ) believed to be in place. According to the XXXX representative that I spoke with, an inspection was required to retain Comp & Collison coverage, which was removed on XX/XX/2015 - a month after starting my policy with them. The XXXX representative stated a certified letter was mailed to notify of the change in coverage. However, she could not produce a copy of the letter for my records after requesting one. The representative also stated a letter was mailed to Santadar, however a copy of that letter could not be reproduced either. Santandar has no record of receiving a letter. 

me which I never received and also to my lender who also claims they never received this letter which claimed I was required to bring my car by and have it inspected for current damages. The number of time I have called to make payments or to get a quote on adding someone to my policy I was never informed that this crucial part of my " full coverage '' insurance was missing from my policy. Today my car sits in a junk yard because XXXX has also refused to at least for the inconvenience of the mess I am in to send out and adjuster to at least appraise the car for said damages so that I can file my my claim for gap insurance through my lender which is. So as it stands I now am responsible for XXXX with an open car loan and no means of transportation to get to the 3 jobs I work in order to pay my bills. I also can not get financed for another car.
XX/XX/XXXX : Logged in to my XXXX XXXX account online and updated my direct debit to increase the amount to be automatically withdrawn for my XX/XX/XXXX direct debit payment. Saved the confirmation that the changes had been successfully made for the direct debit payment scheduled for XX/XX/XXXX. No changes were made to the bank account used to make direct debit payments. Direct debit payments have previously been withdrawn from this same bank account since XXXX. This bank account had more than enough funds to cover the direct debit withdraw on XX/XX/XXXX. 

XX/XX/XXXX : Logged in to my XXXX XXXX account online to update my direct debit to decrease the amount to be automatically withdrawn for my XX/XX/XXXX direct debit payment. Viewed payment history and saw that the last payment had been withdrawn on XX/XX/XXXX. Searched my account information and could not find any direct debit payment withdraw on XX/XX/XXXX as scheduled. Checked the bank account the payment was supposed to be withdrawn from and no withdraw had been made. Contacted XXXX XXXX through their online messaging system asking that they address the issue and reverse any outstanding interest accrued as a result of their mistake. 

I am waiting to hear back from XXXX XXXX but this is not the first time they have made a mistake and mishandled scheduled payments. My interest rate is fixed only if I do not miss a payment. XXXX XXXX is jeopardizing my fixed interest rate and the fair payoff of my student loans with their irresponsibility, lack of transparency, and a broken online system that does not carry out payments as scheduled and confirmed. These types of mistakes are costly to citizens making great effort to pay off their student loans and should not be occurring. I do not trust, as a direct result of these issues, XXXX XXXX practices and policies. I will be looking into switching back to my previous student loan servicer, XXXX, which NEVER missed a direct debit payment nor misled me about how my payments would be handled.
As of two weeks ago XXXX is threatening to garnish my wages. I told them as well as showed them photos that I was XXXX XXXX XXXX XXXX XXXX   and have been in the hospital for two weeks now and that Ill be on XXXX for six weeks once I get released from hospital. I told them that if they were to garnish my wages I would not be able to pay for my prescriptions or for my place to live. They keep asking me if I could give them some form of payment no matter how many times I told them thats its impossible at the moment and they still kept asking me about some form of payment.
Wells Fargo, the owner of the loan, is not allowing loan modifications to occur. XXXX and I qualify for loan modifications based on both XXXX and loss of income.
My student loans are currently being services by Pennsylvania Higher Education Assistance Agency. I have had several periods of " qualifying employment '' through the Public Service Loan Forgiveness program. I believe that PHEAA has overcharged me, which results in payments that carry over into the next billing period and result in fewer qualifying payments.
on   X/XX/2017   my  Chase  checking account was hacked and I had a fraudulent charge of {$550.00}. Chase deactivated the account and I went into a Chase bank on    X/XX/2017      to close my account completely and open up a new one. At that time while with the banker was on the phone with  Chase  support they told him they had issued a temporary credit of {$550.00} to the account. The banker then transferred the remaining funds from the old account to my new  one  and closed out the old account.     Fast forward to     X/X/2017     where I received a secure message from chase saying that the charge was fraudulent and that the temporary money is now permanent. on    X/XX/2017      I noticed that my savings account was drained to    XXXX    and another charge of {$84.00} had come out of my checking for Account recovery. I went into the Chase bank and they told me my claim was denied and they were pulling the money out to make up for the - {$500.00} in my old account.     I called Chase support again and after an hour and a half of being transferred and waiting on hold they told me that it looks like the temporary credit was never added to my account which is what caused it to go negative. I was then told that they will dispute it but that they dont ' know when that will be completed for me to get my money back.     On     X/XX/2017     I noticed another charge of {$31.00} for account recovery. I called them again and they told me it was for the negative balance on my old account. I asked to speak to a supervisor who then realized what the issue was but was n't able to return my money or tell me when it was going to happen.     O n  XX/XX/XXXX  I had  to cash in a silver bar so I could deposit the money into my account which was sitting at   XXXX   so that I could pay mortgage and bills. On       X/XX/2017  I  noticed my check came through and again it was short by nearly {$100.00} meaning they pulled more money from my account.     This is unacceptable ... ..Chase has acknowledged their mistake but refuses to fix my problem. I dont ' have a lot of money so I need every penny I have or my finances fall to pieces. I really  REALLY  need to get my money back because as of right now Chase is literally stealing money from my account. I was never notified via email or letter or phone or anything to let me know this account was in the negative in the first place to give me time to figure out what was going on, they just decided that they could take money from my account at any time without any authorization from me. Please help!!!!
I have a mortgage with Franklin American Mortgage Company. Related to my complaint is an insurance claim from hail damage to my home for which I am attempting to recover funds. I have endorsed and forwarded checks to Franklin American from my insurance company as well as all documents required. I have correctly followed the procedures required according to the website and the customer service representatives to whom I have spoken at Franklin American. After having my roofing job inspected for them, Franklin American still will not release the money to pay the roofing company. Currently, monies totaling {$7600.00} are being held by Franklin for both roofing and window repairs. Instead of only repairing the cladding to our windows which was approved by the insurance company, my wife and I decided to replace all the windows in our home at an additional cost to ourselves. Because the documentation for the window replacement exceeds the amount to repair the cladding approved by my insurance company, Franklin American told me that they can not release any monies to me until I pay my window contractor in full. 
Franklin American is making it nearly impossible for me to effect repairs and pay the involved contractors. Their information and requirements change each time I speak with them. 
This is the second time Franklin American has made me jump through hoops in order to collect the money they hold from my insurance company. The first time Franklin American retained funds was when my last house sustained hail damage. I feel unlucky that my current mortgage was bought by Franklin American on the secondary market. 
I am requesting that the CFPB look into the practice of Franklin American mortgage company keeping their borrowers ' insurance funds far longer than acceptable. I can only surmise that it benefits Franklin financially to retain my insurance funds.
I reviewed my credit report and I saw XXXX credit cards in my report. I never opened these Credit Cards, XXXX with XXXX XXXX in XXXX XXXX, XXXX and the other XXXX with Chase Bank in XXXX XXXX, XXXX. I opened my first Credit card on XXXX XXXX. How XXXX can add This companies in my report when they can verify when I got my XXXX credit card.
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Transworld Systems Inc sent me a debt collections bill in the amount of {$64.00}. I do not owe this alleged debt. I have called Transworld Systems Inc, and they have used abusive and hostile communication tactics. In addition, the Transworld Systems customer service representatives have repeatedly hung up on me multiple times when I have called them. Transworld Systems Inc has repeatedly violated the Fair Debt Collections Practices Act with their repeated abusive and hostile debt collections tactics towards me. I do not owe this alleged debt nor do I want any further communication from Transworld Systems Inc as they have repeatedly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection tactics.
I am attempting to obtain a mortgage loan, and noted in my credit report an item from IQ Data International ( IQDI ), a debt collection agency in XXXX, WA. Because I was unfamiliar with this item, I contacted IQDI, and was informed that the account listed on my credit report ( XXXX ) was not my account, and instead belongs to a XXXX XXXX ( a name which is very similar to my own ). Because time is of the essence, I requested that IQ Data International provide the credit bureau documentation stating that I do not owe this debt, so that the item could be cleared from my credit report. I was told that they were unwilling to provide such documentation because the mistake was made by the credit bureau, and not IQDI. In addition, the person that I spoke with was EXTREMELY discourteous - bordering on nasty. When I then contacted XXXX, I was informed that the mistake was in fact made by IQDI, and that my only recourse was to dispute the items and wait for IQDI to respond, which could take up to 30 days. I was hesitant to file a dispute, as my lender informed me that this was viewed negatively, and further, waiting 30 days could delay closing on a mortgage and jeopardize my ability to complete the purchase of a home. IQDI should be accountable for fixing mistakes, particularly when they admit that their own internal records show that they reported incorrect information to the credit bureau, and they should be accountable for providing documentation of a reporting error when such documentation is requested by a consumer.
Since XX/XX/XXXX had a Credit Card with XXXX XXXX. I had some financial Hardship situations happen to where I couldn't make the payments for awhile until I was able to get back on my feet. Any time before the hardship happened, all my payments were on time and no problem at all. The card went into XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX I was in good standing status with this card. The following four months I was late on my payments, so then XXXX XXXX closed the card and the account. I then continued to receive calls from the XXXX XXXX collections department all hours of the day. When I was able to finally put some money towards this card, I called them so that we can make payment arrangements. From XX/XX/XXXX - XX/XX/XXXX I made payments. XX/XX/XXXX I called the collection dept. and made a full payment. They told me that they would send me a paid in full letter, which they did. As well as correct the status of this account with the major credit bureaus right away. According to my most recent credit reports, the status of this account has not been updated. This has stopped me from increasing my spending power with other Credit cards because this has not been corrected.
I was told that when i switched phone carriers ( from XXXX to XXXX XXXX that I would be able to do this without paying the cancellation charge because XXXX assured me that they would pay it. I told them that i ca n't and wo n't switch unless they are able to pay the cancellation charge from XXXX. Months after i switched accounts XXXX was trying to collect XXXX which i told them XXXX would pay. XXXX told me that i was n't eligible for them to pay now months after they assured me that they would pay it. This caused a XXXX collection on my report and was extremely deceitful to get me to sign up. I do n't know what to do but i am preparing to take legal action against both. Thanks for your consideration in looking into this practice by these companies
SARMA Collections and XXXX XXXX XXXX. have never afforded me the proper notices of any kind. I have never been noticed or billed for the claimed debt. 
Furthermore, they both are claiming 4 charges to me as 4 individual accounts ( # XXXX for {$1600.00}, # XXXX for {$1500.00}, # XXXX for {$250.00} and # XXXX for {$370.00} ) all of which XXXX XXXX. XXXX. have since disclosed to me over the phone, as each being a drug, given during one XXXX. Said XXXX and hospital bills have been paid by insurance long ago. 
They waited from XX/XX/XXXX until XX/XX/XXXX to place these amount in Collections and post them on my Credit Reports. They have illegally posted their collection after 25 months without notice to me as per Texas Consumer Law. 
I never knew of said charges nor did I ever get notice of them before finding them on my three CRA reports in XX/XX/XXXX or so.
I have a mortgage w ith   XXXX   XXXX   for my  property at  XXXX   XXXX   XXXX   XXXX , PA  XXXX . The loan number is  XXXX  and was originated i n XX/XX/XXXX .  It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage.  <P/> I have been paying consistently on this loan and expected that it would be satisfied in   XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until  XX/XX/XXXX  .  <P/> At the time of the loan origination  XXXX   XXXX  had a contractual relationship  with   XXXX   XXXX   to mana ge the accelerated payments. I was  not aware of this until I called. As far as I was concerned they were one in t he same.  <P/> I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only sav ed one   year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortg age.  <P/> I have issued complaints to both parties.  XXXX   XXXX  does not acknowledge any ownership in this. They believe    XXXX   XXXX   is at fault.   XXXX   XXXX   does n ot respond to the complaints.  XXXX   XXXX  has since severed their contractual relationship with   XXXX   XXXX    w hich, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it.  <P/> I will continue to file complaints un til one or bo th of these parties provide the information that I am entitled to.  <P/>  XXXX   XXXX   XXXX
I opened this card with a {$2000.00} credit limit in XX/XX/XXXX I have never paid this card late I have always paid way above the minimum payment due I just received a credit limit increase in XX/XX/XXXX bringing my credit limit up to {$5000.00} my balance on the card has never gone over XXXX % and then in XX/XX/XXXX my credit limit was dropped to {$600.00} while my bill was {$580.00} bringing my card to 90 % percent usage and dropping my credit score when I asked XXXX 's XXXX XXXX for a reason they would give me and increase and then a massive decrease in 30 day timespan I was told due to them checking my XXXX  score and it was a XXXX that is completely false I pay for my credit score from all 3 major credit bureaus directly and my credit score has not been in the XXXX 's at all and there was no ding to my credit from XXXX to XXXX to prompt any issue and in fact XXXX 's affected my credit by putting me so close to the limit and increasing my debt ratio I want my credit limit increase or this card closed I have attached my credit report from XXXX to XXXX
I went to XXXX XXXX XXXX in XXXX, Ohio. No tests were performed. I merely met with a doctor and was given a wrap for my leg. I was insured with XXXX XXXX XXXX and this was an in network provider. My insurance paid over {$600.00} to the Hospital. 

I have repeatedly tried to get an itemized bill from the hospital to no avail. Additionally, the hospital turned an excessive amount due over to a collection agency ( Arc Management ), even though I was only responsible for my co-pay.
On XX/XX/XXXX I open checking account at Huntington Bank located at XXXX XXXX XXXX, XXXX, Michigan XXXX. Bank representative opening account was XXXX XXXX XXXX. Deposit was only XXXX dollars with intent established I would add more as it became available dependent on my assets being released to me by Michigan Treasury Unclaimed Property (  MDTUP ). On XX/XX/XXXX Huntington Bank representative XXXX XXXX without giving notice or my approval ordered checks for me plus charged my account {$24.00}. On XX/XX/XXXX due to shortage of funds my account was charged overdraft fee of {$25.00} being it possessed only {$10.00} at time unauthorized check debt was charged. As of XX/XX/XXXX additional overdraft fee was charged due to funds for initial overdraft fee was not available. 

At time all these transactions were made it was unknowing to owner of account unto XX/XX/XXXX. On that date owner of account after XX/XX/XXXX visit to bank where account owner shared information of his information concerning possessing assets at MDTUP was incorrect plus property of municipal bonds were not called ( matured ) plus were still being held by XXXX  XXXX XXXX XXXX XXXX unto XX/XX/XXXX. Thereof account owner desired to obtained secured loan with insured municipal bonds as collateral. Huntington Bank representative acknowledged that bank only did secured loans on basis of cash bank held of applicant. At such time none of account charges were bought to my attention. With bank having refused six digit secured loan on XX/XX/XXXX sought to close account but could not do so with Ms. XXXX in error having created overdraft for account holder. Account number XXXX, XXXX XXXX. XXXX. 

Ms. XXXX XXXX at best abused her authority to order checks I did not desire plus charged those checks to my account. At worst Ms. XXXX XXXX knowingly plus intentionally committed fraud that to this date equal to excess XXXX XXXX dollars charged to me in overdraft fees plus is still growing likely to become felony offense. bank representatives I talked to did not possess authority to correct this condition plus left me to discern that my only recourse for due action is complaint. 
I believe we should remedy this matter without further delay or court action by having Huntington Bank erase debt plus return my XXXX dollars to account plus make it available to me. If bank so desire I possess plus will return in entirety unauthorized checks it forwarded to me.