WillisBack/dataset-financial-user-claim huggingface dataset:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have been unable to get my free annual credit report from Equifax online. After entering my request at annualcreditreport.com and selecting a report from Equifax, when I reach the Equifax website and enter the last 4 digits of my SSN, the response says " Online Delivery Unavailable ''. I had this problem when requesting my report last year ( XX/XX/2017 ) and it is happening again. When I ask why can't I get my report online, NOBODY at Equifax has an answer.

I do not wish to have my credit report coming to me through US mail. The process is not secure, there are too many opportunities for that piece of mail to be intercepted. Only Equifax has this problem, both XXXX and XXXX XXXX make online access to the report readily available. 

I realize Equifax had major problems with their breach last year, but they are failing to deliver acceptable service to their customers.
1. Nelnet is billing me, after only 90 days from graduation, for the old student loans. 
2. Nelnet is not allowing me to have a deferment. 
3. Nelnet is billing me for {$10000.00} more than expected on my total amount due.
I used XXXX to obtain a fixed rate mortgage from Bank of America. I begin working with XXXX in XXXX XXXX. I signed a contract on a home ( new construction ) in XXXX of XXXX. I received my loan estimate from XXXX on XXXX/XXXX/XXXX ( Copy of email Attached ). I was fully approved and met all of my conditions for my mortgage in XXXX XXXX. I also locked in my rate at XXXX %. I was assigned the loan number # XXXX. I received an email from a XXXX employee on XXXX stating that once the home is complete I will be clear to close ( copy of email attached ). I touched bases with XXXX in XXXX XXXX. He responded on XXXX that I needed to update him when the home was completed to prepare for the closing process ( copy of email attached ). XXXX provided me with a closing date of XXXX on XXXX ( copy of email attached. ) I received an email from another department of XXXX telling me that I had no bank application on file at all ( copy of email attached ). I emailed XXXX on XXXX/XXXX/XXXX to ask him why I did n't have a bank application on file 2 weeks before my scheduled closing ( copy of email attached ). He never responded. I left numerous voicemails, called XXXX main office and never received a response. I took off of work on XXXX/XXXX/XXXX to go to the XXXX office to find out what was going on. I was told by XXXX that there was a " glitch '' in the system and I had to do my entire loan approval process again and there was no way that I would close on XXXX/XXXX/XXXX, my credit has taken a nose dive as an effect. However, in my XXXX webfile, it says that my loan was cancelled out but no one will tell me why ( screen shots of XXXX webfile attached ). Also, no one from XXXX ever picked up the phone to call me or email me to tell me what was going on with my file. No one responded when I inquired. I spoke with several XXXX national directors and no one would tell me what happened to my original loan approval. I cc 'd the CEO XXXX XXXX on several emails and he never chimed in. XXXX national director, XXXX XXXX, told me that he does n't have the time to look into what happened with my file. XXXX also told me on XXXX occasions to let the home go and back out of the contract. I closed on my home on XXXX/XXXX/XXXX. The builder was going to impose a 2 % late fee, but out of generosity to me, they waived it. My ordeal with XXXX and Bank of America was a consumer nightmare. According to XXXX 's reviews, this is typical and unfair to consumers. The lack of customer service and mortgage knowledge is unacceptable. I need to know what happened to my original fully approved loan XXXX # XXXX XXXX and I need a letter written to all XXXX credit bureaus to explain that the additional hard inquiries were no fault of my own. 
During my entire time dealing with XXXX, I never once had access to my loan processor at Bank of America. This process is not fair. When XXXX was mishandling my application, I could not even speak to a representative at Bank of America for assistance. Their process is to refer consumers back to XXXX. I plan on taking as much legal action against XXXX, XXXX individual employees, and Bank of America as I can lawfully do.
i filed a complaint and dispute over 30 days ago, I recvd paper stating my final report after investigation. the same creditor are still on there which some are over 7 years old, and are not mine, I have had id thieft 2 times in the last 10 years. I just want my my credit worthiness back, im XXXX and I need life insurance., my credit report is false my accts are being sold to collection agencies over the last 15 years, and some cases are the same creditor on there twice, but with different amount.
I asked XXXX XXXX ( XXXX ) to temporarily reduce monthly payments on my XXXX card. They replied that, in order to satisfy my request, I needed to enroll in an automatic payment plan for all of my ( XXXX ) cards until I had paid all balances or went off of the payment plan. XXXX assured me that the accounts would not be reported delinquent or late if the agreed-upon monthly payment went through. After a few months of on-time payments, XXXX reported a 90 day late payment on XXXX of my accounts. 
As I had several run-arounds with customer service that kept posting my payments incorrectly messing things up ( I had to close XXXX accounts to avoid further " mistakes '' ), I was told most recently that the 90 day late payment report went already out and therefore could not be changed. I would like XXXX to change the report about a late payment because it never happened since all payments, although reduced per agreement, were made on time.
Apparently, Equifax, A Major Credit Reporting Company, allowed my personal data to be breached by hackers as early as XX/XX/XXXX of this year, is only reporting it now, in XX/XX/XXXX, will only provide free credit monitoring for a one year period, and I am not even allowed to sign up for this until next week. Possibly way too late for criminals to use my personal data. Then, as a provision of the short term free credit monitoring, I am required to waive my right to sue them.
XX/XX/2016 I received a letter from a collection agency demanding payment for an account that I did not open. I began to investigate immediately and discovered a payment was deducted from my bank account that I did not authorize for a furniture store in XXXX. I was able to dispute that transaction and the bank reimbursed me my funds. I then called the furniture store who informed me that the furniture was at an address in XXXX. I have never lived in XXXX and definitely did not purchase furniture from this store. I informed them that this was identity theft. I filed a police report and contacted the collection agency who stated the issue will be resolved. I began receiving threatening phone calls and decided to check my credit report. Needless to say this fraud is reported my credit report. The issue was not resolved. The lender is XXXX XXXX for {$1300.00}. I was able to dispute and have it removed from one credit bureau but now they are reporting it to another one.
XXXX Is a previous complaint opened on Equifax for not updating credit card balances and payment history. Now they havent reported my car loan since XX/XX/2018 which is incorrect. My payments have been on time for the last 7 months but they have not reported the same which is impacting my credit.
I am writing because I am currently experiencing financial hardship and would like to find a way to freeze credit reporting for the month XX/XX/XXXX. As you are aware, annual funding for part of the Federal Government expired on Friday, XX/XX/XXXX. Certain Government activities ceased due to a lack of appropriated funding, and designated pre-notified employees of the federal government agencies would be temporarily furloughed. Request to all three of the National Credit Reporting Bureaus to freeze monthly credit reporting for XX/XX/XXXX. My problems began XX/XX/XXXX, when as a current Federal Government employee and because of a lapse in appropriations of the Federal Government Budget my employer the XXXX XXXX XXXX ( XXXX ) curtailed certain activities. The United States Congress annual appropriations fund salary payroll and is suspended by law. XXXX employees who perform non-excepted work paid by the lapsed in yearly budgets must be furloughed. 
I am not trying to avoid my responsibilities, I am seeking NO NEGATIVE ( reporting " Late '' by the Three Major Credit Bureaus.
I HAVE RECIVED LETTERS IN THE MAIL REGARDING A TAG FOR A CAR. STATING THE CAR TAGS ARE GOING TO EXPIRE AND THAT I HAVE TO RENEW. I DO N'T OWN A CAR.
CITIBANK- I made an online payment XXXX from my Bank ( as per normal practice many times ) - date- XXXX XXXX 2017. For some unknown reason Citibank did not apply those funds to my CC statement. YET- it was taken from my bank - I have all the transaction ID 's to show for this. Yes- there were sufficient funds in my bank account.YES they sent me an email confirmation. After NUMEROUS calls and on-line chats- Citi have not explained why the funds were not deposited to my CC nor can they can confirm where said funds are. One call agent advised it has definitely been returned to my bank on the XXXX but it has n't. I am getting conflicting reports on where the XXXX is or why indeed it was not accepted. I make these payments via this online system every month since joining Citi Credit Card.I reported this to XXXX but they insist no money has been returned and the XXXX was paid to Citi via ACH on line payment and i have to fight it out with them. As of today 's date XXXX/XXXX/2017 my last chat online advised ( brief version ) replies with another conflict of information " Citi will tries to pull the funds for the three time from your checking account -we have placed a hold on this payment until it has cleared the bank. We expect the payment to clear and post to your account on XXXX/XXXX/2017 ''. REALLY!! how can they hold my funds in Limbo for over 7 days? and am I to really now wait ti see if it magically appears on the XXXX XXXX. I am somewhat appalled, frustrated and upset with this situation. Any advice would be most appreciated. THANK YOU
This company has the incorrect Party. I have written them, I have called them over the phone and they have confirmed once given my social number and address that they do have the incorrect party, yet they continue to attempt to collect a debt that is not mine and they have this erroneous debt listed on my credit report.     I want this off of my credit report. I did a dispute with the credit bureaus and they never investigated. Instead they provided my information to this company even after I provided proof of my  DL and Social to  the credit bureaus.     I do not have a contract with this company. They do not have anything with my signature listed on any form of documentation. Lastly, this is not my account. I have never had a  XXXX   XXXX  account.     NO CONTRACT!
I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now this account is showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened -XX/XX/XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act
I Attended XXXX XXXX College of XXXX Nc in XX/XX/XXXX for XXXX  and graduated XX/XX/XXXX. This school has shut down and now I'm stuck with paying loans for a school that has been shut down.
My debit card was lost and fraudulently used to take {$3700.00} out of my checking account over a two week period in XXXX, 2016. I reported the card as lost within two minutes after I realized it was lost. Citibank told me it would credit my account for the full amount while they did an investigation. It has now been four long months and I have not received any credit to my account, and I have not received anything in the mail regarding this dispute. I keep calling them to see why this is taking so long and I am getting very frustrated. Do n't use Citibank, they will steal your money and never give it back to you.
Person called from XXXX XXXX XXXX, would not give me their company name, said i owed incorrect amount of debt from2011. I asked for them to mail me info so i can check on this debt. They said they do not do that. I was suspicious because they gave me no information about themselves only saying it was citibank card, that i never had and the amount was outrageous. I asked them not to call me but send all information through the mail, XXXX stated he would not do that.
I have been constantly been getting annoying phone calls from a debt collection agency over a debt that is XXXX years old. I tried to reach a settlement with the collection agency in which they replied that they would get back to me with a response. One of the representatives then proceeded to daily harass my family members stating that they where going to arrest my mother, garnish my aunts social security benefits. I contacted the debt collection agency and asked them to please stop calling my family members and if they had any further questions to contact me either by phone or email, i received no calls from them but they continue to harass and intimidate my aunt. I called the agency again and told them that i would make payments as previously discuss i just wanted in writing what we had agreed on the amount of settlement and the monthly payments that would then follow. Still i heard no response from the agency they continued to intimidate my aunt about my debt. The problem is this agency wont accept payment if it is not cash and they ignore the fact that i am requesting written notice of the settlement amount we had agreed on. I also dislike how they continue to badger my aunt about them garnishing her social security benefits, and telling her they have a lawyer. My aunt is XXXX XXXX woman whose only income is her social security benefits, she is ill and does not need a collection agency aggravating her daily with threats.
Deceptive mortgage lending practices by Freedom Mortgage which included bait and switch, fradulent documentation, and predatory behaviour with goal in mind to obtain funds from consumer by pushing consumer to roll fradulent closing costs into loan that the consumer is not responsible for as per agreement. 

There is sufficient evidence that I have been completely misled through the refinance process and provided wrong and fradulent information ( i.e. Summary of Transaction ) by Freedom Mortgage that was misleading and deceptive. 

It was very clear from the offer I received from Freedom Mortgage which included many verbal communications and a Summary of Transaction that I can provide a copy of that Closing Costs were covered by lender. This was the agreement and mutual understanding throughout the process all the way up to being only a week or two out from actual closing at which time it was suddenly communicated to me via a random phone call ( not even in writing ) that the offer has changed and I as the consumer I would have to pay the closing costs now. All the detials, supporting documents, and dates can be provided. 

With all the respect, that is very deceptive and misleading business practice that is unfair to consumers and that is ultimately costing all of us participating in the mortgage business including the government a lot of money. I do not accept this and I ask you kindly to help with this case as I 'm sure there thousands of consumers that are falling vicitim to these kinds of predatory lending practices. 

In the supporting documents you can clearly see that the closing costs are covered by the lender.
Filled out the form and mailed it to XXXX, GA. I had asked for all XXXX reports. Experian balks and refuses to supply a report. They ask for additional data. They need a copy of a bank statement, a copy of a State issued ID, a copy of a utility bill and addresses for the last two years. XXXX did send me my report. I have been receiving credit reports for the last fifteen years w/o a problem. I ask them for data and they respond by asking for data??
A XXXX collection account placed on my credit report was removed from XXXX and XXXX after it was disputed by myself, but is still reporting on Experian. after numerous attempts to clarify and resolve this matter with Experian, I keep coming up with no answers. this is an old account that should have fallen off my report according to the FCRA compliance date instead, it has been re-aged and reconstructed to make it still reportable. On a credit report pulled by myself in XXXX, this item was due to be reported in XXXX.ON another report requested by myself in XXXX, this item was re-age to continue reporting in XXXX.and last but not least, in XXXX, XXXX when I got my credit report, it is again re-aged to continue reporting in XXXX and all of this is taking place without any correspondence from me. In other words, I have not have any communication from them neither by mail phone nor any type of communication with this company. However, after receiving my credit report earlier this month, i contacted Experian and a representative told me that I needed to take it up with XXXX because they were the ones reporting this item. when I contacted XXXX through the phone number that was listed for them, i spoke to a gentleman from the collections department. I explained the situation to him and I gave him the account and the number that have been reporting on my credit report. He could not find anything under the account number I gave him. He gave me his email address and asked me to send him a copy of the credit report with the reported account so he can take it from there. I emailed him the information that same day, and I still have not gotten any response from him. I am super frustrated and I need this item removed from my credit report. I have a copy of my XXXX and XXXX report
I was called by Quicken loans because I had used their mortgage calculator online. I told them I couldn't talk because I was busy with my daughters, they asked when I could talk, we agreed on a time, they continued to question me, I informed them I was just playing around with numbers, I was not sure if I wanted to buy a house, and if I did it wasn't going to be for at least 6 months. They asked for my social security number, I asked if they were doing an application, they said no, I gave them my number, and within an hour or so I got a notification that they had approved me from a loan, and one from XXXX   saying that I had a new hard inquiry. They did not have my permission to pull my credit report.
My loan is a former Wachovia Mortgage now my servicer is Wells Fargo Bank. I am employed by XXXX XXXX through University of XXXX XXXX. I was on XXXX and workers comp and I informed Wells Fargo early in XXXX that my employer made a mistake in my payroll and for 3 months I was not paid. However, Wells Fargo stated over the telephone that I did not qualify for a loan modifications and that I had to participate in repayment plan to pay the arrears that payment was {$5000.00} for 3 months, the regular mortgage payment was {$3500.00}. In XXXX XXXX, I returned to work and did not receive a pay check, again I informed Wells Fargo Bank about the discrepancy in my pay, this time they threaten me with foreclosure and stated again that I did not qualify for mortgage assistance. I filed a complaint with the Executive Office on Monday XXXX/XXXX/XXXX, for Wells Fargo about their resistance to review me for a loan modification, I received a case # XXXX. However, when I called back to Wells Fargo and spoke to a XXXX XXXX in the Executive Department who said the only thing he saw was that I was sent to foreclosure and saw no complaint. Then began a flip and condescending conversation between he and I. He seem to take delight in my being upset and never once offered me mortgage assistance in the form of a application
In light of the recent data breach at I think it 's unfair that I have to pay to freeze and thaw my credit report three separate times when the information I am paying to freeze/thaw is information I never asked to be collected in the first place. Why is it my responsibility to pay to protect the accuracy of unwarranted data collection by a third party? I 'm at risk of having my identity stolen and the only protection is for me to pay money to three companies, one of which has already proven itself to be incompetent. This is ridiculous and I think legislative action needs to be taken now to prevent further disasters like this.
I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.