WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit - $ XXXX/each in my state - with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. In addition, they are offering a " free '' service, that only lasts for one year ( after which I must pay monthly ). I 'm not convinced that someone trying to steal my identity or get credit in my name will be worried about waiting a year to start fraudulently using my information. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
XXXX XXXX reported an account that was opened in XX/XX/XXXX on my credit. The account is reaged and shouldnt be on my credit. I disputed this with Transunion 3 times and they keep insisting that the information is accurate. They investigated but no feedback was given back to me. I filed a complaint with CFBP and XXXX XXXX XXXX said he had until XX/XX/XXXX to remove it. This has not been done.
This is a follow up to case XXXX and XXXX, as there does n't seem to be a way to amend an ongoing complaint. After explaining to Bank of America in faxes, via chat, via email, etc., that answering a telephone causes me physical pain, their Executive Response team called me at XXXX today, causing further physical pain, and the necessity for me to take pain medication that makes it difficult for me to continue working today. As I am paid by the hour, I am looking at an additional loss of income in addition to what they have already caused me.
On  XXXX / XXXX /  XXXX   full payment of  XXXX  was paid to  Fidelity Rewards Visa Signature  a credit card that is manage by  Elan  Financial.     On  XXXX / XXXX /  XXXX   additional  XXXX  was direct debit out of my fidelity checking account.     On  XXXX / XXXX /  XXXX   fidelity and Elan was notified.  Elan  was unable to refund the mistaking direct debit.     Action request to refund consumer money immediately.
Transworld Systems calls me at least 8 times a day, after they were told not to, they will not verify the debt, they will not mail me anything and I believe the debt is outside the statute of limitations.
I havent a job for several months. When   XXXX   called asking to make payment I did n't have anyway to make payment of  XXXX . so he called me a liar and told me how he knows I am lying ...
I applied and got approved for a Wells Fargo Business Platinum credit card that comes with 1 % cashback on purchases. I have not received any of the cashback rewards despite having made over {$2500.00} in purchases on this credit card. I called to fix this issue and never got a call back.
XXXX XXXX sent a towing company to contact us about a late payment. XXXX Towing came to my home on XXXX/XXXX/16 and banged on my door so loudly for a long length of time that it scared me. I was too scared to come to the door because of the nature of the banging and the repeated use of my doorbell for at least 10 minutes straight. It startled myself and my neighbors that my neighbor XXXX doors down from my home called the police to report the concern. I called my husband scared and before I could call the police, the neighbors had called because that is how loud they could hear the banging at my front door. The banging rattled my whole house and broke the alarm system off my front door and it was shattered in pieces on the floor when i went downstairs to check the front door. The side wall that is next to the front door is so badly damaged now from the nature of this Debt Collector 's banging and hitting my door. The police confirmed that they were concerned by the nature of this Debt Collector 's banging at my door and will patrol the area looking for this Towing Company to address their unethical collection process.
on XX/XX/XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around XX/XX/XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from XXXX, XXXX and Equifax. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, one of the reporting agencies asked questions about auto-loans I supposedly took out XX/XX/XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since XX/XX/XXXX! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
XXXX, XXXX and EQUIFAX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX
On XXXX/XXXX/2018 I contacted XXXX, Experian and XXXX Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between XXXX, Experian, and XXXX as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official FICO credit report highlighting the inaccurate information. I was already a victim of the Experian Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.
On XXXX XXXX, XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time.

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a zero down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

XXXX XXXX XXXX
Last Thursday night I deposited my payroll check thru an ATM at the Bank of America branch located XXXX XXXX XXXX XXXX, XXXX, WA XXXX. At the time I was overdrawn on my accout but the check for {$1800.00} was more than what was needed to cover this. 

I received and email on XX/XX/XXXX saying the check was being held until XXXX XXXX because of poor image quality " {$1800.00} XXXX XXXX, XXXX by XXXX local time XXXX XXXX, XXXX {$1800.00} {$1800.00} Reason for hold Reasonable cause to doubt collectibility due to image quality. 
Monday XXXX XXXX I went to the branch were the deposit was made and the employee got me in touch with Customer service who checked with Risk Management. They said the image had the account number but only a partial routing number they could not release funds until XX/XX/XXXX. 

As I mentioned this is the same payroll check I have been depositing twice a month for as long as I have had the account. I am now having direct payments hit and not only are they not being covered, which I was told would be because the check is in pending status but I am receiving NSF charges. 
This seems extreme and completely unacceptable since the issue here is the ATM, not anything that was controllable by me. 

Can you help get this resolved
Transunion/ XXXX/ XXXX, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX XXXX Removed this Collection but as of XX/XX/XXXX XXXX   has indicated the account has begin to report to XXXX once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified in XXXX?
After i consulted with my medical provider, i was asked to speak to the billing coordinator prior to scheduling anything She provided me with literature about care credit financing attachment included It was aligned to me that there were various payment options available including promotions for interest free financing over periods of 6, 12, and 18 months. I was told my purchase would also qualify because it would exceed the minimum purchase requirement. I was also told that i would have to be approved for credit worthiness. The credit application was submitted and accepted. The purchase was made in the amount of {$4300.00} and automatic payment was subsequently set up for $ XXXX monthly which would coincide with 18 months of payments totaling {$4500.00} so that the balance would be paid by the promotional expiration. Since automatic payments and electronic statements were enabled no statements were viewed until within the last week when the balance was checked in preparation for the final monthly payment only to discover that the promotional rate had expired and we were charged the purchase interest rate approx {$1100.00} as well as a few months interest. I was immediately sick to my stomach as i was unaware of how this could have happened. After contacting my medical provider i was told repeatedly I 'm sorry there is nothing we can do we only offer 12 month financing. I explained that i had the brochure i was provided stating availability of 6,12, and 18 months promotions and that i was told we had the option of all three to no resolution. i took further action of contacting care credit, explaining the situation in full as well as requesting to speak to the dispute resolution department. I was told by the representative that the dispute department could not help me and would not speak to me. I asked the representative if she could assist me and was told no, i inquired who i could speak to about my situation to find a resolution and was told " nobody ''. I was left without any action and felt totally taken advantage of as well as left helpless and with guidance as to how to proceed. I plan on paying the full balance including the interest charges despite feeling completely ripped off and that i should not have to based on the following : Deceptive Enrollment Process- I was not provided adequate guidance making me aware of the available options, terms and conditions by the dr 's office and was never contacted by the credit company. 

Inadequate Disclosures- The only explanation offered about available promotions was through the dr 's office billing staff which aligned that i was able to use any of the available options in the brochure.
I have been an American Express card member since 1981, and in that time I have never had cause to question the level of service or integrity of the company. In XX/XX/XXXX, I purchased formal wear from the XXXX internet merchant XXXX, which promptly cancelled XXXX of XXXX orders. I immediately cancelled the second order, because the purchase was time-sensitive. I also called American Express to demand a chargeback. American Express claims that I owe {$510.00} for XXXX dresses ( XXXX orders ) I do not have in my possession. 
In XX/XX/XXXX, XXXX agreed to withdraw the claim for {$100.00} for XXXX dress, and refunded the money. Recently, the dispute resolution division of American Express restored this amount to my credit card debt. I am pretty sure they do n't read any of the documents they ask customers to upload when disputing a bill ( or even correspondence generated by American Express ). 
I have been petitioning customer service and billing inquiry since XX/XX/XXXX without success, regarding the second package ( cancelled by me ), a package shipped XXXX. The dispute resolution department is located overseas, and is not accessible by phone. Billing Inquiry says they communicate with dispute resolution by e-mail. It is easy to see how nuances of a case get lost, though mine is n't that complicated. 
Here are the relevant facts : 1 ) Both orders were canceled, one by XXXX, the other by me. 
a ) XXXX canceled the order on XX/XX/XXXX. ( I have a screen shot of this ). 
2 ) The packages were sent, anyway. 
3 ) Both were delivered without my signature. 
4 ) I returned XXXX package unopened to XXXX, which sent the package on to Kansas. XXXX agreed to refund my {$100.00}. However, when I returned the XXXX package unopened to XXXX -- the only way you can 'refuse delivery ' when you 're not home and they drop it off without your signature, the merchant was not so cooperative. 
5 ) XXXX tried to contact the seller for a month 6 ) Finally, the seller sent XXXX an order to 'destroy ' ( rather than authorization to return ) the package. 
7 ) I have supplied documents showing that XXXX picked up the unopened package. See line item XXXX. 
8 ) Documents showing that XXXX tried to contact the seller in XXXX. 
9 ) A document in XXXX and English from the seller authorizing XXXX to destroy this package. 
10 ) A new document of correspondence between myself and XXXX indicating that a ) the seller wo n't correspond with them. b ) that XXXX is not involved any longer in this decision making process, only American Express. 
I can only conclude that American Express is purposely making it difficult for customers to seek redress. 
I want a refund of {$510.00} and no damage to my credit.
Equifax is trying to trick people into giving up their right to sue them when they go to their website to see if their financial information was compromised by the hack. When customers go to see if their information has been compromised, they give up their right to sue. This is very shady. Please see article below for addtional information " If you do choose to sign up for the credit monitoring service, you must agree to submit any complaints against Equifax to arbitration. You ca n't sue on your own behalf, and you ca n't join a class-action case or benefit from any class-action settlement that Equifax agrees to. '' XXXX XXXX XXXXXXXX
In early XXXX I wrote the bank and asked them about having the PMI removed from my loan. I received the letter from them dated XXXX/XXXX/XXXX stating that 2 conditions had to be met to remove the PMI from the loan. 
1. At least 5 years have elapsed from the date your loan closed ; and 2. Your loan to value ratio ( " LTV '' ) ratio is 78 % or less. 

The letter denied the removal and stated that I would reach condition XXXX by XXXX XXXX.
Debt collector contacted me at work ( violation of FCRA ) after repeatedly verbally telling them not to. Debt collector also used profanity.
Please see XXXX which your office closed today. I did submit feedback and asked if that was enough or if I had to file an additional complaint. The email response to my feedback was simply that it would be added to my file so I am submitting an additional complaint. 

I am attaching a letter from XXXX XXXX that was sent to CFPB in XX/XX/XXXX 2016 when I enlisted your assistance in having my modification completed. This letter clearly shows that my payments were to be XXXX per month, no mention of escrowing taxes and insurance and no reason to do so as I was clearly paying my taxes and insurance on my own. Bayview accepted the transfer of my mortgage from XXXX and clearly accepted their terms. No correspondence was sent to me that they were changing the terms of the modification. Adding the " deferred amount of XXXX '' was not needed nor do I believe it to be legal as I clearly complied with the terms of the modification. Additionally this amount was never credited to my mortgage nor any payment to my mortgage or my homeowners or insurance. I am again requesting that this amount be taken off of my mortgage agreement and the information shared with XXXX XXXX who is currently managing my mortgage so that they can adjust their records I am also requesiting that this case not be closed simply because Bayview sends you a letter with their explanation that I was to include the taxes and insurance payment which gave them the right to access this amount to my mortgage, that is simply not true. I believe this amounts to predatory lending practices on a senior who was trying to obtain a mortgage modification. I am once again requesting your assistance with this company, a company that perhaps should be investigated as I 'm sure that I 'm not the only one that is having this problem.
I have been trying to get this company to correct my information and to this day they have failed. I can not access my report at all because Equifax has so much incorrect information that I can not provide answers to the questions, they ask about things that I have never heard of or been involved with, and because of this my credit score is ridiculous, I can't do anything. I have called them and been told that even though I give them my personal information since I can't verify the items that have been reported from so called creditors they can not verify who I am, and since I can't verify who I am I can't get the report so I can file fraud charges and dispute the information. What really upsets me is that providing them with my name, my social security number, address, phone number and date of birth 3 of which are not capable of being altered is not good enough to prove who I am. Being required to use my SSN for identification which is actually illegal, should be more than enough along with my name and DOB. Their entire process is a joke, now I have been told I must send in copies of all my information to prove who I am. Their system keeps asking me about a mortgage loan from XX/XX/2015 and I have not taken out a mortgage loan or been associated with a mortgage loan in over 15 years, I have NO credit or department store cards or accounts and I have had no student loans in the past 10 years. I should not be punished or held responsible for their company collecting wrong information. I use XXXX XXXX and according to the information they have from Equifax I only have 3 accounts on that report and they are all closed. So, where are all these questions coming from?
I had a car loan that started in XXXX XXXX and should have been paid off by XXXX XXXX. I had to extend XXXX car payments, XXXX for when I bought my house, understanding there would be interest and I would have to make the XXXX payments. This extended my payoff to XXXX XXXX, which I knew since I extended XXXX payments. I paid the last payment XXXX XXXX, XXXX and received a letter stating I still owe over {$1500.00} due to interest. I asked if they could work with me and wipesome of the interest off seeing the interest added up to more then the actual car payments that were deferred. after a few attempts I received {$200.00} off. I still did not find that acceptable, so I called the corporate office. I received a call back and spoke to a woman named XXXX, XXXX ext XXXX. She was willing to wipe the interest, but I would have to agree to the following terms. 1 ) They would report to credit bureau as settled and 2 ) I would need to pay taxes on it as they would send me a XXXX type thing. I paid every car payment and finally got my credit at a place where my interest on credit cards and car loans are through the roof. I was willing to pay some money but she said if they take any off it will be under the terms from above. She also said, since I did not want to damage my credit, that I would have 120 days to pay as long as a made a payment every month. After I spoke with her a few weeks later I received a letter stating that the payments might be considered late, missed etc and reported to credit bureau. I didnt realize when I gotthis car loan that it was more like a credit car opposed to a cr loan I am assuming by the interest that accrued besides what I already paid. I was hoping you can help me resolve this issue.
amazon/synchrony bank has robo calls and daily collections to my home and work as my last pymt wast made on XXXX XXXX and they repeated charged late fees before due date and have not responded to my letters to synchrony bank ; i have also sent emails to XXXX XXXX email requesting assistance in this matter. 

i suspect they have damaged my credit rating ; i have made several attempts to reach them by phone biut their atom ated system has no human connection option mr XXXX XXXX XXXX XXXX XXXX XXXX, mass XXXX XXXX
This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with Bank of America ( BOA ). in 2012 BOA agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. 

I request all late payments be removed again ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXBank of AmericaMortgage - XXXX