WillisBack/dataset-financial-user-claim huggingface dataset:
Whenever I try to obtain a credit report through Equifax for free ( either as an annual report or due to a denial of credit ), the system won't allow me access to my report. However, if I try to purchase a report, they will provide it for me immediately. In the past, I would purchase the reports because I needed them for something immediately, but now I know I can report this practice. 

On XX/XX/2018, I tried to obtain my credit report due to denial of credit. I went through the online system and successfully supplied my correct information. It stated I was entitled to a free report. When I clicked to retrieve this, it stated " online delivery unavailable '' and gave me the customer service number to call. I called the number and went through the prompts within the automated system and was provided a confirmation number and no additional explanation. The system then stated it would connect me with a representative. The line hung up on me. Immediately after, I contacted the Equifax customer service via chat, and received terrible service. I stated, " I requested my credit report ( I was denied recently ) and when I finished, it said, " online delivery unavailable '' and gave me information to call. I called and went through the prompts, receiving the confirmation code : **********. Then the phone hung up on me. Someone allow me access to the report I'm entitled to. The only time I have issues obtaining my report is when I'm supposed to receive it for free. '' The representative said they could not help me and referred me to the number that had disconnected me. I stated that I would file a report about this issue and they ended the chat without any conclusion from me. 

After the way Equifax leaked so many customers information ( including  mine ), I believe they shouldn't be allowed to operate as an agency anymore. They aren't able to be responsible to its customers or their information.
I am having trouble making the payments I borrowed  XXXX  but the interest rate is 720 % I will have paid over {$7000.00} when done the {$400.00} payment every 2 weeks is making it difficult to keep up with my mortgage and bills I need to pay
Capital One has been calling and I do not have an account with them. I called and talked to Rep. XXXX today ( XX/XX/XXXX-18 ). I explained that I Do Not have an account with them. I suggested that information associated with my phone number could be the problem. Someone has been calling my number for quit some time now, and it is very annoying. They are calling with " Out of Area ''  numbers. When I answer, the caller hangs up.
My car was stolen in I believe it was XXXX. The towing agency did not notify me until 4 days after they towed the car to there garage. So when I talked to them on the XXXX day after the towing they told me it was {$150.00} a work day, plus $ XXXX mile to tow the vehicle. So in which case it was {$470.00} to get my car out that day. But that day was XXXX. Which is a national holiday. And the XXXX Said the cost would go up for those XXXX days XXXX and XXXX. Although they were XXXX national holidays which in law states it is illegal for them to work. So they told me another {$300.00} it was going to be to pick up the car. I had offered them to give them the title of the car and they did not take the offer. The car was worth {$2000.00}. They did n't want to take it. I do not understand any of this. I tried to work with them but they did not want to work with me. I am also on parole so I can not leave XXXX miles from my home or go out of the county. I am in XXXX XXXX XXXX. The only reason I go out is because of my work I did. So since I did not have my car I could not go to work and so forth I was fired. So I could not make enough money to pay the towing company for what was an outragerous debt. Of {$770.00} for 6 days of being in there garage. So now the result is they put a lien on my car and sold my car at an auctiom, and I now still owe them {$2100.00} which the maximum amount they told me was {$2000.00}.
I did receive a notice of attempt to collect debt. My problem with this company is that XXXX XXXX sent a check to settle this de

bt o n XX/XX/XXXX. The company Hunter Warfield confirmed they received the check on XX/XX/XXXX. I am currently XXXX  and XXXX and I really need the receipt in order to move to a new place and I dont understand why it takes so long for them to issue a receipt. I have called several times. Last Friday XXXX  they told me I could access the receipt today. I logged in today and I did not get a receipt, so I called again, and the person on the phone told me it would take and extra 2 weeks to get the receipt. Why it takes so long? Banks clear a check in 7 days and it comes from an agency. This is outrageous. I am XXXX and XXXX XXXX XXXX XXXX, please help me out to get this confirmation of payment as soon as possible.

Name of collection agency : Hunter Warfield Check amount {$2600.00} Account # : XXXX
They have called XXXX times since the first of the year. It is a robocall and they want you to call them back.
Northern Alliance Management, LLC contacted a friend of mine asking for me. The representative became rude when she told them to call me. She provided me with their contact information XXXX. When I called the company back the representative informed me they do not have my social security number on file and asked me to provide my social security number. When I refused to provide my social security number the representative became very rude, informed my the information was being sent to my local county courts to take action, and then she hung up. I still do not know what debt this company is trying to collect on.
Capital One has refused to delete this fraudulent account from my credit report. They are in breach of contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Wells Fargo withdrew funds from my checking account to offset a credit card debt with Wells Fargo.
I submitted an EFT form to PNC Mortgage XX/XX/XXXX authorizing monthly electronic mortgage payments to be made commencing XX/XX/2017. I highlighted the date that this process should start and PNC Mortgage failed to process the form correctly. PNC Mortgage electronically took the XX/XX/XXXX mortgage payment out of my checking account on XX/XX/XXXX. PNC Mortgage told me that I would have to wait one week to get my money returned by mail once PNC Mortgage received a letter from my bank guaranteeing the funds that PNC Mortgage already has taken from my account prematurely. I made my XX/XX/XXXX mortgage by mail and it was paid on XX/XX/2017. I was told by customer service that my next payment is due XX/XX/XXXX. This is an undue hardship for me and I want reimbursement for the overdraft fee of {$36.00} that my bank is charging me and well as my payment of {$650.00} electronically transferred back into my account immediately PNC Mortgage refuses to EFT my account for their taking of my money prematurely. This is money I need now to pay other bills and PNC Mortgage will only operate their way and I think it is outrageous that it can prolong reimbursement to a consumer for an overpayment of a mortgage payment especially. It is n't like it 's a {$25.00} charge ...
My father was called by a debt collection company and told that I had three counts of fraud against me and that I needed to contact their company immediately. They also told my father that they would " come out and arrest him at his job if they had to because he was responsible for the debt also. '' I called XXXX with the debt collection company back and they also told me that I had three counts of fraud against me and that I was going to be served with a lawsuit and detained by a process server under the authority of the U.S. Marshall 's Office. The company told me it was for an old auto loan that I had back in XX/XX/2006. They told me they would not come out and " detain '' me if I gave them payment over the phone right then or if I set up some sort of payoff with them. They told me I would be served at my job and that I was going to get fired because I was served papers at my job. Unfortunately, I did not get the name of the company and they would not give it to me. They just said that they were a debt collection company hired by a company that was suing me. I was however given a name of XXXX with the phone number XXXX and the name of the process server was XXXX and she called me from two different numbers, one from New Jersey and one from Fort Myers : XXXX and XXXX.
bought a laptop at  XXXX  for {$430.00} on   XX/XX/XXXX    .   returned it on XX/XX/XXXX   .   a week later funds have not been returned to my account.   was told can take  two  weeks to get my account credited.   who is holding my money?
I got an alert for a new employer listed and I am currently self employed. I need more information and Credit Karma has n't provided anything other than XXXX XXXX, 2017 XXXX XXXX as the new employer which is not me or my employer
Hello-I am in the process of obtaining a mortgage. The credit card debt was paid in XX/XX/XXXX through a wage garnishment but the attorney ( Morgan and Associates XXXX XXXX XXXX XXXX OK XXXX ) has not provided me a Satisfaction of Judgement to me after my request in XXXX XXXX nor provided the XXXX XXXX MO Court System a release of debt. I am in danger of losing this mortgage due to this matter.
I am in the process of repairing my credit so I can purchase a new home. In this efforts I came across a negative mark on my credit report from Argon Credit. In further looking into this I came across a statement for XXXX 2017 that showed I had not made payments since XXXX  and the payment in XXXX shows it was short by {$50.00}. I contacted them and said that the payments come out of my checking account on or around the XXXX of each month and they have been since the loan started. I have all the ACH check withdrawals they did. They even had a late fee on my statement and that is impossible since they do the ACH. I do n't pay it directly. Never have any payments been NSF either. They looked into it and said yes our system made a mistake with all of my payments which totaled {$1400.00} outstanding. They said they would fix it and send me a new statement. They never did. I kept calling and they finally said they made the changes and would send me a new statement and take off the negative mark on my credit. They still have not and today I received an outstanding loan notice saying I have not paid my loan for XXXX/XXXX/17 when in fact it came out of my account on the XXXX of XXXX as normal. This is getting out of control. I called them again and she said sorry this notice went out to everyone whether current or outstanding. That was confusing to me. She said she would send me a new statement today and get my credit report fixed. This company is doing nothing but ruining my credit when they are the ones at fault for all of the mistakes. I deserve my credit report fixed so I can move on. I have started this process XXXX/XXXX/17 so it has been a couple weeks of non stop harassment and them not taking care of their part.
Just an FYI - I originally opened this account under my former address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX
After graduating high school, I wanted to pursue a career in XXXX or learn how to be a XXXX. I went to XXXX XXXX in XXXX to discuss my options with an admissions counselor. They made me feel as though I was unique and that they only let certain individuals with certain vision attend the school. I was accepted and felt great. I started attending classes after getting a cosigned loan. 

Shortly after attending classes it became clear to me that this was a scam. My teachers barely understood what they were teaching and would not answer my questions regarding job placement. The job placement conferences were laughable. They were not in any way applicable to what I was going to school for. Kiosks were set up by companies offering minimum wage to conduct work for hire that was not in anyway related to my subject of study. 

Often I had to teach myself XXXX and the functionality XXXX and ask if we were going to actually discuss the movies we were watching. I could 've rented these films or purchased them on my own without a loan and without wasting my evenings after work. 

Then I realized this loan was going to get very large over the course of 4 years. I started expressing my concerns to XXXX teacher who seemed unhappy with his job and whom I was able to talk to after the end of a class. He too was unhappy with the situation at the school and told me to get out, that I was catching on to something much larger than I knew, that I needed to leave before I had too much debt pile up. 

I decided to listen to his advice. This was in XXXX. It is now XXXX and although my loan has been paid on, on time, each month all this time, it is not going down, it is increasing. I have asked for settlements I have asked for loan forgiveness. Nothing is offered. The school, XXXX XXXX is officially closed.
I received multiple letters from a company called XXXX XXXX , XXXX stating that I owe and outstanding balance of {$660.00} on behalf of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX XXXX. The XXXX XXXX XXXX  is located in XXXX XXXX, which I have never lived in, nor lived near. I have never opened an account with them in anyway ( savings, checking, credit, Auto ). I also ran a full credit check for all three credit systems and the supposed debt was not listed anywhere on the reports. 

I have attempted to contact XXXX XXXX, XXXX multiple times over the course of two weeks and can never reach anyone there. I only get dropped to an unknown voicemail asking to leave a message. There are zero options to get to a real person to actually try and correct this issue. 

All documentation has been held and is available for full disclosure if needed.
On XXXX, someone from phone number XXXX as well as phone number XXXX ( " XXXX XXXX XXXX '' ) contacted me stating I received a " pay day loan '' in XX/XX/XXXX and when they tried to extract repayment from my account, access was denied. They stated they are pursuing legal action since I " have not paid back the loan. '' Also, again on XXXX, someone from phone number XXXX ( " Concord Resolutions '' ) called me with the same story. However, there were XXXX different " loans '' with this call, XXXX from XXXX and another from XXXX. I have received numerous calls before XXXX, but I did not document those calls ; I thought they would just stop since I have n't applied for any types of loans. Both my husband and I have checked with our bank and there were no such deposits of money or loans issued. Also, as per the XXXX credit report bureaus, there have been no inquiries or loans applied for in the last XXXX years. I have filed a police report, and I block these numbers from calling me. However, people end up calling me anyway from different numbers each time, claiming the same story.
I called CapitalOne to cancel or change my credit card from the current card I have with an annual fee to one with no fee. The fee was on my last statement as anniversary date for the card is around now. They offered to switch me to a no fee card but said they needed to check if the annual fee would automatically credit back to my account. 

After a long hold, they said the annual fee would not be credited back automatically and they would not credit it, period. 

They demanded that I still pay the annual fee since they had already " billed '' it. It was on my last statement and another representative had already told me as long as it was within 30 days, it would not be charged. 

A supervisor told me they would not " waive '' the annual fee. I explained I was not asking for a waiver. I wanted the no fee card and they still refused, saying I could switch cards, but since the fee was already billed, they would make me pay the annual whether I switched cards to a no fee cards or canceled.
I contacted XXXX  two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX  XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. XXXX and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.
I am sending in a second request to Experian for my free credit report - I completed the annual credit report form I down loaded off the annual credit reports site as I do every year and mailed in and ever year Experian comes back saying they can not fine me and like now there letter says I did not provide the required information yet I have my information from the other XXXX. It seems that every year they do this to me and I send back a letter with a copy of the completed from and threaten to notice the FTC and you about this - all of a sudden they find me and provide XXXX copy - so my question is why do you allow them to get away with this - I just want my report I do not want my score etc - but every Experian does this
I purchased a car from a dealership and financed it through Capital One Auto Finance Account number XXXX. The Dealership never sent the title to Capital One and then the Dealer Ship went out of business. I continued to make payments to Capital one ( ON TIME ) for 6 months. I finally discussed turning the car back to capital one since I was unable to get plates or a title on it with the dealership being gone. 

Capital One is showing this as a repossession on my credit file with a balance owing that is just less than the original amount of the loan. 

1 ) I can not be held liable for a vehicle that I was unable to drive from day one until 6 months later when I turned it in. If anything, Capital One owes me just over {$3000.00} for a vehicle that I paid for and ONCE AGAIN ... could never drive for even one day. 

2 ) I certainly should not have a repossession and owe a balance of {$23000.00} for NO VALUE RECEIVED.
Around XX/XX/2018 I received a new chase card and made two purchases on it. Shortly after Chase randomly shut down my account. I asked for more information on what was going on and they wouldn't give me an answer. I am very disappointed with their customer service and lack of help with my accounts.
I have had a Discover card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago Discover sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from Discover Personal Loans. Discover, according to XXXX, has decreased my credit score from XXXX to XXXX ( see attached ). I feel Discover was negligent in offering an XXXX-year-old an unsecured loan.
I have received several calls from XXXX with BRG. She informed me that it was for my XXXX XXXX account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her supervisor XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.
Last year, I was informed that I attempted to apply for an  XXXX  credit card, which is totally false. While I do have an  XXXX  online account, I have never applied or attempted to apply for a credit card either directly or indirectly with  XXXX . All of my  XXXX  purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with  XXXX    XXXX   USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.
I tried to resolve this matter with three credit bureaus and this company but they are not willing to work out this unauthorized inquiry situation. I asked them for months to provide me with a voiceover, a copy of my Driver License or any signed statement authorizing them to pull my credit report. Its been a couple of months and I still havent receive any response or documents showing otherwise. This is a major violation of the Fair Credit Reporting Act, so this mean they are breaking the Law.
Per Equifax data breech they have advised me that I am a victim of stolen vital data, and from that Equifax allowed all of my personal financial and credit history including my date of birth and social security numbers and all personal credit information banking, credit cards, loans and mortgage information that was provided to secure credit to be compromised and information was stolen from their agency causing me a lifetime possibility of identity fraud. I have currently put a freeze from any third party Lifted credit history, so long as thieves do not crash into these agencies database once again and unlock my freeze. They need to protect myself and others for life from potential identity theft, and not through their complaint but instead through XXXX and XXXX best service that they can provide!