WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX i spoke with XXXX XXXX about a business loan. He explained to me that I could apply for XXXX term loan and a credit card visa and a Business Line of credit XXXX he told me to request these amounts we emailed in correspondence he never got back with me after we spoke on the phone prior to the two emails he sent stating to provide tax returns after he told no financials were needed upto XXXX. I requested a call from his supervisor he has ignored all my emails and phone calls. i spoke with several representatives and they have told me someone would be calling me i never recieved a call spoke with another represenative at the beginning of XXXX she advise me her Boss XXXX would be giving me a call never recieved a call. They have really bad reiviews on the business side and I would like for the hard inquiry to be removed immediately do. my credit score with XXXX is XXXX and i refuse to have a inquiry that was given to me due to lack of product knowledge on Mr. XXXX XXXX 's behalf and the unprofessionallism to an consumer and a member of the institution.
I applied for a credit card with Macy 's in XXXX XXXX. In XXXX XXXX, I received a bill from a collection agency stating I owed about XXXX dollars on the credit card. I immediately paid that off with the collection agency and called Macy 's about the situation. I was flabbergasted and I stated to the Macy 's representative that prior to this, I never received a bill statement from Macy 's. The Macy rep informed me that my account was closed and it was nothing they could do, they had already sent it to collections. The Macy 's representative also informed me there was a return service address on the mail they sent out. However when I applied for the card, I included my address on the first line and my apt number on the second line. I received my products but never received my bill statement. I do n't understand how the collection agency had my full address but Macy had no idea what my address was but they were able to send my products out. Someone in the billing department dropped the ball because the ordering department was able to deliver my product with no worries. I then asked Macy 's if they had a copy of my credit application because I know I wrote my apartment number on my application. The rep informed me they did n't have my application on file due to the application being completed in the store. As a consumer, I always elect for paper bill because that method suits me and it serves as a physical reminder that I have a bill to pay. The product was only XXXX bucks, I incurred over XXXX dollars in interest and late fees. In XXXX XXXX, I had a XXXX credit score. I always pay my bills on time. I provided a phone number on my credit card application and no reasonable steps were made to get ahold of me. I apply for credit cards all the time and I ca n't remember each and every single card thus as consumers we are entitled to a billing statement to remind you that you have a bill due. If I had received the billing statement, I would had paid the XXXX bucks. Now my credit score is a XXXX due to XXXX derogatory indicator on my credit report from XXXX. I have XXXX credit cards along with all my other bills I have to pay on time, all which I get billing statements for. This needs to be taken off my credit due to their lack of communication with the consumer of notification of a bill even due.
I have paid the agreed settled account 60+ days ago and the refuge to XXXX out the account and update my credit reports
Equifax had negligent security protocols on sensitive information related to me. According to their website, my information was likely affected by the breach. I took action to freeze my credit on each of the credit reporting sites on XXXX XXXX, 2017. This mishandling of information may very likely lead to identity theft of myself and millions of other Americans.
an account was opened with XXXX for XXXX phones, ( XX/XX/2016 ) after i called XXXX, it was determined fraudulent and account was closed, said they would contact reporting agencies to have the inquiries removed from my report. same person opened a XXXX credit card account ( XX/XX/2016 ), XXXX also closed the account after i called them and they said they would contact reporting agencies to have inquiries removed from my account. the XXXX hard inquiries have been removed from XXXX but not equifax. this is the email i received from XXXX : Here are the results of your claim. 

XXXX account number : XXXX XXXX We 've completed an investigation into your claim regarding the account number listed above. 
We 've concluded that you 're not responsible for any of the charges on the account. 
We 're submitting a request to each of the XXXX major credit reporting agencies listed below, to remove you from any reporting on the account. It can take anywhere from 30 to 90 days to process changes within their systems. In the meantime, feel free to use this letter as proof that corrections to your credit are pending. 
XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, CA XXXX XXXX XXXX XXXX help.equifax.com XXXX XXXX Thanks for your patience and assistance. If you have any other questions or concerns, please feel free to contact the XXXX at XXXX.
This debt was already paid and I have contacted XXXX and told them that I have paid this debt XXXX to XXXX years ago. I also contacted the company which stated this should not be on my credit but XXXX refuses to remove it.
The following information should not be appearing on my Equifax report and they keep putting it back when all this should have been removed. It has been an ongoing problem with them. XXXX and XXXX cleared it from my records but Equifax keeps being difficult. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$1600.00}
Transunion will not give me my FREE credit report! They want to charge me for it and have me sign up for something I do not want!!! I NEED my report NOW ... not in 15 days. I want it online. What am I suppose to do to get it?
On XX/XX/XXXX, I submitted disputes to Equifax, XXXX and XXXX   regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX  ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.
I helped a friend bail out of jail and they were going to take care of their bail but never did. I did everything in my power to get the person back into custody including going to the XXXX on a free trip paid by the bail agency to get her back.
My card was stolen, they close it out and sent me a replacement card. I was unable to activate the new card and all of a sudden the old card read active again and charges were bring made on my account that I did not make. I have called and called and called just to get hung up on. Im missing over {$500.00} I need my money ASAP please.
Ordered a free credit report from EXPERIAN. There was a " potentially negative '' entry related to an entity identified inly as XXXX, which I believe is XXXX XXXX XXXX. That entity serviced my student loans for a period of time. The entity then transferred those loans to the current servicer ( s )  XXXX. Attempted to call EXPERIAN to inquire about what exactly was the negative aspect of my relationship with this entity. Tried to call a number of times, on a few different numbers. Nb. all calls were made during EXPERIAN 's posted hours of operation. No luck. Only contact was with an automated phone attendant and I was not provided with an option to speak with a representative.
My Capital One QuickSilver credit card was charged a fraudulent charge on XX/XX/2018 in the amount of {$40.00} from XXXX XXXX. The account was credited {$40.00} ( in green on my transaction history ) on XX/XX/2018 but, the credit hasn't been applied back to my available credit. I contacted Capital One customer service today ( XX/XX/2018 ) and spoke with a representative in CS that stated the credit wasn't applied to my account balance that then transferred me to a another representative in the Fraud Department that spoke 100 mph. I could barely get a word in and I found myself interrupting the representative to get my questions answered but, nothing was resolved. Again, no clear expectations or timeframes. I think the answers to my questions weren't clear. Then the representatives phone HUNG UP abruptly. I need a clear deadline on when the credit will be applied back to my account. Its been almost 7 days. If Capital One has a 0 liability policy to customers on fraudulent transactions why is it taking 7 days to apply a temporary credit to my account. This experience puts a bad test in my mouth. Capital One is a large company and should implement better measures to assist customers in this situation.
XXXX XXXX XXXX is a collection account that was reporting to all XXXX bureaus and when I disputed the account and requested documentation, XXXX XXXX XXXX claimed they sent the debt back to the hospital and requested for it to be removed from all XXXX bureaus. However its still reporting on Equifax credit file and I 've disputed this account on number occasions. XXXX XXXX XXXX states they have already requested for it to be removed and Equifax has not removed it.
Constantly receiving calls from Franklin Collections, multiple times a day. Every time I answer they hang up. I call them back, and they wo n't tell me who they are, then proceed to hang up on me
XXXX displays 3 delinquent accounts on my credit file that has been disputed/challenged a year and a half ago, ( XXXX ), ( XXXX ), ( XXXX XXXX XXXX, those accounts have been listed like that on XXXX  for more than a year and a half, they have all been removed from the other 2 credit bureaus, ( XXXX & XXXX ). Despite my several attempts to correct these issues with XXXX, they never comply and, their action caused to be denied credit access. They failed to follow the FCRA requirements. They still as of today have the above mentioned account listed as " Item disputed by Consumer '' for more than a year and a half. The screen shots submitted were captured today Saturday XX/XX/2018.
I am having an issue with my Mortgage with Everbank. The Servicing is now with XXXX. It has also been with XXXX. The original mortgage was completed on XXXX XXXX, XXXX. I got behind in payments in late XXXX. In XXXX XXXX, I sent a payment of {$3600.00} in the form of a XXXX XXXX wire. Approximately 2 weeks later, the money was sent back to me along with a letter stating we could no longer accept payments to this account. I 'm not sure why. I was willing to make payments, but was told by EverBank to stop making them. I have been working with EverBank, XXXX, and XXXX XXXX services along with an attorney over the last 5 years trying to get some answers. I do n't understand what my options are and no one can explain them to me. My home is worth approximately {$320000.00}. My last statement is demanding a payment of {$470000.00} or else the house will be auctioned on XXXX XXXX, XXXX. The original loan amount was {$370000.00}. I understand the house has lost value. I have spent more than {$11000.00} in attorney fees and I just spent another {$4100.00} with XXXX XXXX XXXX who claimed they could help me.
I signed up with  XXXX  and Transunion to get my credit reports and scores, after adding a fraud alert on my reports with all  XXXX  bureaus. I paid {$1.00}, which was all they showed it cost. After about 2 months, I was notified that I needed to pay {$29.00} to keep receiving my reports and scores. I declined and they have not updated my scores since   XXXX    . I know that because I have a fraud alert on my reports, I am entitled to receive my information free of charge every  XXXX  days. When I call to request it, I get a couple of sheets, but not the full credit report. This has been going on for about   XXXX   months.
Specialized Loan Servicing reported my debt as being 180 days past due in XXXX XXXX. However I was discharged in a Chapter XXXX bankruptcy in XXXX XXXX. This is in violation of of the Bankruptcy code. I have been approved for a HARP Tier 2 loan modification that will be finalized in XXXX XXXX. However it does not reaffirm the loan nor can they report to the credit bureaus.
In previous CFPB complaints, Ocwen Loan Servicing and their counsel stated ; " unable to respond to your complaint because your complaint involves the same issues raised in pending or prior litigation ''. 
Now, what agency, company or person has a lawsuit against Ocwen Loan Servicing? What is the state that the lawsuit is pending or had prior litigation in? Are the lawsuits that Ocwen and counsel is mentioning, part of a federal lawsuit? What is/are the case numbers to each lawsuit pending and prior litigation against Ocwen Loan Servicing? NOTE : these questions are NOT part of a pending or prior litigation! This means that Ocwen and counsel will be able to answer these questions unless Ocwen Loan Servicing is hiding fraudulent activity as I stated multiple times in the past!
Bank involved : HSBC Bank USA, N.A XXXX XXXX XXXX XXXX, NY XXXX  I tried to open HSBC Advanced checking account and was declined stating that they are unable to verify the identity of me.

Then I got report from all 3 credit reporting agency and found that my address, SS #, name, etc.. are perfectly matching and hence I am identifiable. Per the credit agency report, HSBC made enquiry to XXXX and got info which is perfectly identifying me. My credit score is XXXX. On same day I am able to open accounts in other bank. I also uploaded address proof to HSBC bank but still they denied my application. In fact they were able to verify my other bank account also by exchanging few cents for ACH verification before denying my application.

When called HSBC all they can say is " HSBC don't want to do business with me at this time ''.
first of all LVNV FUNDING LLC CURRENT CREDITOR. ORIGINAL CREDITOR XXXX XXXX XXXX XXXX I WAS SENT SEVERAL LETTERS FROM XXXX XXXX. THIS DEBT HAS NOT BEEN PROPERLY VALIDATED AS I SENT SEVERAL CERTIFIED MAIL AND A RETURN RECEIPT FOR THE DEBT TO BE VALIDATED. THIS COLLECTION AGENCY CONTINUES TO SEND ME A DEBT LETTER ON A REGULAR BASIS. I DISPUTED THE DEBT AND ASKED FOR A VALIDATION OF THE DEBT.

LVNV FUNDING HAVE REPORTED THIS DEBT TO XXXX  AND THE OTHER CREDIT BUREAUS. THE LETTER ARE REPORTING THE WRONG ORIGINAL DATE.

I UPLOADED SEVERAL PROFF OF CERTIFIED MAIL AND RETURN RECEIPTS AND MORE.
I leased a car with  XXXX   XXXX   XXXX . I turned the car in  XXXX   XXXX . I received a final bill for a lease turn in fee for  XXXX . I paid the Bill on  XXXX / XXXX / XXXX  for the amount of  XXXX . I heard nothing fromToyota until  XXXX   XXXX ,  XXXX , when I received a collection Letter from Central Credit Services LLC. I contacted  XXXX  and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  XXXX  returned payment on  XXXX   XXXX ,  XXXX . I sent another  Electronic  payment to  XXXX  on  XXXX / XXXX / XXXX . I called  XXXX  to verify payment where they forwarded me to  Central Credit Services o n  XXXX / XXXX / XXXX .  Central Credit Services tried t o Verify Payment with  XXXX   XXXX   XXXX  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  XXXX  page shows the electronic payment made to  XXXX  on  XXXX / XXXX / XXXX . The second file is a message from  XXXX  that shows  XXXX  sent back payment. The third file is the payment made once again to  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  Central Credit Services by certified  mail.
I have been trying to work out a payment solution with Nationstar mortgage for years after my loan was transferred from XXXX XXXX XXXX and I suffered huge financial losses. The amount of time I spent submitting and resubmitting paperwork to their various loan specialists was like a part-time job. They would not let me send money to them to try to get back on track and seemed to stall until posting a sale date on my home. They also would n't submit all the information about my loan that I requested. I have been working with financial counselors and doing everything I can think of to fix the problem.
sending a copy of a check is not verifying the i did it. It only mean that the check was wrote off my old account with all my information on it. Please tell me how can that verify that i wrote the check or i had knowledge of it being done. Please remove this off my credit because the way you 're trying to collect is unfair nobody asked you the approve that check yes i researched this company. Please tell me how can you prove that i wrote that check or i had knowledge of it or even say its been verified by just looking at it ... send me a copy of your license show you can do business in this State ... .if we go to small claims court you will have to prove without a doubt that you know i wrote that check or i had knowledge of it ... how can you prove that from  XXXX   XXXX  IL PLEASE SEND THE PAPERWORK THAT YOU USE TO VERIFY THIS DEBT AS BEING MINE BESIDE A CHECK THAT ANYBODY COULD HAVE USED OR EVEN FOUND
I was charged an overdraft fee for a debit card transaction and I have not elected to " opt-in '' for overdraft " protection ''. The transaction is as follows : Transaction Description Amount Action Fee RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXXXXXX  XXXX {$12.00} PAID {$35.00}. 


I was offered a refund of half of my fee, which I accepted at the time, as it was better than none, however I believe that this practice was unlawful. 
I also deposited {$100.00} into the account of the day that the account was overdrawn, before a debit card purchase was posted and received a 2nd overdraft fee for an ACH. The account reflected a positive ~ {$22.00} balance after the deposit. The next morning, ( today, XX/XX/2019 ), I log in to my account to see it negative ~ {$48.00}
I had an account with  XXXX   XXXX   XXXX  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current, and reported negatively on my credit report until the account was paid in full  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), t his account should be removed from my credit report. It has been re-aged by the Experian to reflect a different date of default. The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from Experian and  XXXX   XXXX   XXXX  showing the original status of the loan, showing the original default date. I have disputed the information with Experian, whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first major delinquency report ed (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the letter showing the account paid in full from  XXXX   XXXX   XXXX , as well as, credit reports from Experian and  XXXX  from  XXXX . This account should be removed from my credit report as it has reported negative information for 9 years.
Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both XXXX and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from Experian on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and Experian 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for Experian and XXXX to freeze my credit.
I had a financial emergency for which I took out a title loan on my XXXX. I have been self -employed my business was doing well enough that I was confident that I would be able to pay the payments on the monies I was given. I then woke up one morning unable to feel the right side of my face and unable to speak correctly and could not see out of my right eye I have been diagnosed with XXXX and have to have in home health care services to assist me in getting dressed and driving me to where ever I need to go such as doctors appointments I also have a minor child who needs to get to school. my business has greatly suffered due to my condition which my doctor says is caused by the serious accident that I was in to which I was nearly killed for which i sustained multiple injuries one being a XXXX that was never addressed with my medical treatment. I wrote a letter to XXXX at Trading Financial Credit to explain my situation and that I could only send them {$300.00} per month which would only be for a few weeks until I got my settlement money to pay off the loan I even attached a check for {$300.00} with the letter..I made XXXX payments XXXX for XXXX and XXXX for XXXX I had not heard from the company so I was relieved that they were in agreement to accept my payments.On XX/XX/XXXX a tow truck showed up at my place of residence to repossess my XXXX .I did not surrender my vehicle it is still in my possession.I called Trading Financial Credit and spoke to a woman in the recovery department who told me that I had been sent via email 2 notifications XX/XX/XXXX and XX/XX/XXXX to which i stated to her that I check my emails daily and there were no emails from them notify me that my car had an order of repossession. she proceeded to tell me that in order to get my account current I needed to give them {$1200.00} and that in 12 days it would be {$2000.00} so I should just give them the {$2000.00}. she stated that if i was in bankruptcy status that would be the only way i could keep my car. i spoke to 2 different bankruptcy attorneys and was told i would still lose my car. On XX/XX/XXXX I spoke to a XXXX who is the Servicing Manager to once again explain my situation to which I was told he did not care and that in order for the repo order to be removed he wanted me to pay on XXXX XX/XX/XXXX {$340.00} via XXXX and once I gram and once I gave him the transaction number he would remove the repo order but it would only be for 2 weeks after the 2 weeks i had to pay {$890.00} or the repo order would be in effect again. they will not work with me for only a few weeks thats all I am asking until my settlement comes to allow me to pay the {$300.00} to them and not repo my vehicle but they are strong arming me to come up with money i do not have.