WillisBack/dataset-financial-user-claim huggingface dataset:
TCF NATIONAL BANK ( TCF BANK-ILLINOIS INSTALLMENT LOAN NO.XXXX THE FEDERAL AND STATE STATUES OF LIMITATIONS HAD EXPIRED. F.C.R.A. AND F.D.C.P.A.AND NOW MUST DISCHARGE DEBT VIA XXXX AND REMOVE ALL LIENS ON SAID PROPERTY.
Over the last several days I have been trying to remove a Security freeze on my Equifax Credit report by either the online method or by calling them and speaking with an oversees phone XXXX. I have literally spent 6 hours speaking to people that say the freeze is lifted then to find out it is n't. I do n't know what to do anymore as there are big problems as each time I call they say it is still on, but they will lift it and each time it is never lifted. To make things worse I believe I have a split credit file with Equifax as it has happened before with them and they are famous for it if you have alot of credit or long history. I tried to pull my own report the last few days and my report shows I have zero tradelines where-as I have over 25 years of credit history many auto loans, CC 's and many other things on my credit report. This just started to happen two days ago when I was trying to get my freeze removed and XXXX tried to pull it once as my freeze was suppose to be removed according to equifax rep., but they got the strangest thing as well a report with no credit history at all like myself under my SSN. This needs to be resolved and I am out of options as no one is willing to help and I do n't believe the oversees CSR know what is going on and just read scripts and are of no help. Please please help me as I am at my whits end with them.
I have a lemon car, went to arbitration and won a replacement car. I have told my bank several times about this issue before I went to arbitration. Ally financial is my finance. I get the run around refusal to talk to a manager, each time they claim they ca n't hear me, my phone is breaking up, no manager or the people I need to talk to is available. The dealership sat on hold for over 2 hours with them yesterday, and I sat for over an hour. They wo n't tell me what my original loan amount was and refusal to give any information about my account. A person by the name of XXXX refused to give me any information about my account saying she could n't. My dealership tried to find out what they would finance my replacement on money wise and they would n't tell them.
My XXXX lien holder gave me a short sale approval on XXXX XXXX, 2015 and to this date The XXXX lien holder, Wells Fargo Home Equity has seemingly because of their written off status been delaying providing their short sale approval to the detriment of my approved short sale status. The XXXX lien holder has given us XXXX short sale extensions and I am afraid they will now resume their Foreclosure as they do not believe Wells Fargo will ever provide an approval. 
Wells Fargo also, even after numerous communication with their customer service department, has been incorrectly sending my private banking correspondence to a Texas address and changed my number to a Texas number in their system so I do n't receive any notices. 
This is so unfair considering my primary lien holder advised me to do a short sale and already granted me short sale approval and now that this XXXX lien holder has stalled the closing I am about to lose even my relocation funds and my home.
After filling Chapter XXXX Bankruptcy, Alphera Financial Services/BMW was notified. I maintained communication with the company in an attempt to renegotiate the car note. My payments were timely prior unforeseen medical hardship. I inquired about having XXXX notes wrapped to the end of the contract and was successful. In XX/XX/XXXX, I attempted to get the vehicle refinances in-house and via other finance companies sources. Meanwhile, agents from Alphera called me relentlessly on a recorded line despite my demands the agents to cease and desist. I was told that I would continue receiving calls until payments were brought current. I removed my phone number from the online account but calls continued. I sent 8 emails but calls continued. In XX/XX/XXXX, XXXX an Account Manager in Collections transferred me to the finance department and I held for 2 hours until I hang-up. Calls continued to commence on a regular basis. On XX/XX/XXXX at XXXX, I spoke with XXXX on a recorded line however he did not identify that the call was being recorded. I asked for the mailing address for the company however he refused and hung-up abruptly. I located an address online for both XXXX and XXXX, I sent both companies a certified letter asking to cease & desist and offering to voluntarily surrender the vehicle. The letters were received by the same individual. On XX/XX/XXXX, I spoke with XXXX, Account Manager in Collections again to renegotiate my car note. I informed XXXX that I held for two hours when she transferred me to finance. I managed to get the refinance done online but the note was increased, although I attempted to get it reduced by Alphera in-house. At which time, I informed her that I needed to surrender the vehicle. In a threaten tone, XXXX firmly told me that calls may continue, if I surrender the vehicle it would be sold at auction and the debt would be placed on my credit until the full amount was paid in full. In XX/XX/XXXX, XXXX fro XXXX showed up at my house late one night, outside of normal collection hours, blocked my driveway and persisted to harass residents by ringing the doorbell numerous time to retrieve the XXXX. On XX/XX/XXXX at XXXX, a rep from XXXX came to my house. On XX/XX/XXXX at XXXX, another representative came to my house ringing my doorbell claiming to be someone with an alarm company but there was a tow truck present. 
Note : Proof of Phone Calls, Correspondence and Surveillance pictures of the repo reps from XXXX available upon request
There are currently three items on my credit report that are being reported by a collection agency by the name of common wealth fin in the amounts of {$870.00}, {$590.00}, and {$65.00}. I have repeatedly tried to dispute these three items due to them not being my debt to no avail.
Equifax has been non-compliant with removing the unverified account XXXX/XXXX   XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
On XX/XX/XXXX, a hard inquiry showed up on my Experian and XXXX  credit reports for a line of credit I did not open at XXXX XXXX XXXX. I then ran my credit reports for all three agencies, only to discover 2 of the 3 showed what looked like someone's profile on my report. I discovered incorrect variations of my name, incorrect home addresses and places of employment, and about 16 accounts that did not belong to me. Naturally I freaked out. The odd thing was a lot of the incorrect accounts were from 2-8 years ago and these had never ever shown up on my credit reports before XX/XX/XXXX. I check my reports often so I would have seen these. 

So the first thing I addresses was the recent inquiry. On XX/XX/XXXX at XXXX PST I called the XXXX XXXX XXXX that made the hard inquiry on my credit report and they were unable to pull up an account with my name and social security number. None of the info I gave them pulled up an account ... which further made me believe there was a problem with the credit bureaus and not a case of identity thief. 

So, on XX/XX/XXXX at XXXX PST, I called Experian and they looked into my credit report and the customer service rep noticed that my profile was actually merged with another person with a very similar spelled name ( mine is XXXX and the incorrect one was XXXX ) and social security as mine. They started the process of un-merging my account with this other person. Somehow bc another person has a similar spelled name and social, our records were being merged in their system. Thankfully the customer service rep took the time to go line item by line item to separate the records. Sadly I now have to do this same thing with XXXX because these same errors were on that credit report too. I didn't see anything incorrect on XXXX  yet but I'll keep monitoring it.
After the car was returned to Volkswagen back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.
I have been paying my mortgage payments on time and sending in extra so that I can pay my mortgage down faster. But the balance of my mortgage is increasing. It was down to {$39000.00} but now it is showing that I am at {$42000.00}. 

Also, I have been XXXX since XX/XX/2018. My rate has been lowered since I am on orders but I received a letter stating that they are going to increase my rate again, But I am still on XXXX.
Hello, This complaint is concerning the practices of Skrill which is an online way to send payments over the web much like XXXX 

I set up a Skrill account on XX/XX/XXXX and added funds via credit card which it linked to my joint bank account with my husband. 

I added funds and purchased b itcoins from XXXX website which the person provids an email address for their Skrill account and funds are transferred. That transaction went fine. 

On XX/XX/XXXX I made two uploads to Skrill from my linked credit cards on their site. The funds uploaded fine but when attempting a {$120.00} transaction sending to an email address I received a message advising to contact Skrill as there is an issue with my account. 

I emailed them and they advised restrictions have been placed on my account and I needed to provide answers to what I was using my Skrill account for and who I was sending money too and also wanted a credit card statement for card used to add money to my account. 

I responded back with details of my transaction, etc. and explained that my credit card is linked to my bank account and I do not get a statement like a normal credit card. I provided a screenshot of my bank account that shows their debits via the card. 

I received a canned message back from them advising they need a credit card statement. It is apparent that no one really reads the emails sent to them and just sends a canned response asking for the info you can not provide. 

After researching I read online the numerous complaints of Skrills practices of allowing funds to be added to your account but then " restrictions '' put on the account which keeps you from doing anything with your money. Eventually hoping you give up or the funds are eaten away by their fees for inactivity etc. 

The main complaint I have is that if they decided to restrict my account and question my very first transaction sent out which they wanted details of ... why allow the person to add money to their account? I had no clue of the restriction until I uploaded more funds and tried making a second transaction. 

At this point I just want my {$120.00} refunded and my account closed. I think that Skrill is deceptive in allowing funds to be added and then holding your money hostage while saying they need additional documentation that you can not provide regarding previous transactions. I believe this a scam that they try to pass off as security measures so you have no recourse to get your funds. 


Any assistance would by greatly appreciated.
Security Finance has sent a letter to my employer telling them to garnish my wages even though there is no judgement and no court order so not only have they discussed my debt with my employer they are trying to send them a threatning letter to garnish my wages
In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and Discover card ( the issuing creditor ) on XX/XX/18. Discover claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively.

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want Discover to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.
Transunion, XXXX and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in XXXX years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!
I have been working in non-profits for 9 years now, and it turns out that my payments on my students loans for most of that time were not eligible for the Public Service Loan Forgiveness program, because I was on a 20-year payment plan rather than the 10-year or the Income Driven. However, had I been doing the Income Driven, I would have been paying even less than I was at the time. In fact, when I did switch to the Income Driven system, my payments were {$0.00}. So I could have had over 100 of my 120 required payments completed, but I only have 35 on paper. Here are the issues here : -Inadequate communication of the PSLF program. Most people who qualify for this probably don't even know it exists. I found out about it, pursued it, submitted a form that stated that I was applying 5 years worth of payments toward it, and at no time was I notified that those payments hadn't counted. I found out that I only had 35 payments counted toward the 120 because I was looking up how many more months I had to go -- only to find I have 7 more years!

-Inflexibility of the program. I was working with XXXX XXXX, and I kept asking them who I can appeal to, and they said there is no one. I find this very frustrating. The whole point of the PSLF bill was to encourage and reward people who went into student debt in order to pursue a career that serves the community but doesn't pay well. I was a XXXX XXXX XXXX for five years and now I've been a XXXX XXXX for five more. And I was making little enough that I could have easily been on the Income-Driven program during that whole time. Why is there no appeals process that can make my previous payments count toward the loan forgiveness program?
Ive had multiple issues with my auto loan and have filed multiple complaints through your agency and my attorney generals office. There is still one open complaint which was granted an extension with your agency. Ive told usaa on several occasions that Im not making a payment until the open complaint is resolved, the open complaint is because usaa took unauthorized funds from my account. On XX/XX/30 usaa yet again took unauthorized funds from my account. I called to try and rectify the matter and I was told they wouldnt refund the amount even though they were unauthorized to do so.
CKS Financial continues to collect and report to all XXXX national credit reporting agencies without any merit. I have tried to contact them several times with no response. I contacted the XXXX and the company said it will contact me regarding the complaint. I origionally disputed this debt as not being mine over 75 days ago.I have asked for proof of validation of references debt, they can not provide it to me. They continue to report this false claim on my credit which is affecting me dramactically for no reason.CKS Financially has over XXXX simiular complaints file against them for same practices. Many lawsuits are following for failing to abide by the fair debt act guidelines.
I purchased a home in XXXX XXXX, XXXX ; and at that time I had a score of XXXX ; since closing on my home I have had multiple request for my report pulled without my permission. I notified the credit agencies to put a hold on my accounts and to delete all the inquiries on my file. XXXX ; put a freeze on my file and an alert and said they would notified the other XXXX companies to do the same. However, neither of the agencies are taking the effort to remove all the unauthorized inquiries on my credit file. The only response I get is that they will remain on there for 2 years. 
From the time of the close on my home to XXXX XXXX to XXXX XXXX I had a total of XXXX inquiries on my credit file ; that is unheard of and my credit score dropped to now XXXX i am now seeking you help with getting these agencies to remove all inquires from my file from the time of XXXX XXXX, XXXX to XXXX XXXX.
The company will not remove the item from my report. I agreed to pay the debt off if they deleted it. I paid and its still on the reports.
I had a group of 5 student loans that were refinanced. The loans were overpaid by {$160.00}. XXXX XXXX  said that they issued a check on XX/XX/XXXX. Then in a separate correspondence they said they issued a refund check to the new servicer on XX/XX/XXXX. When the new servicer said they still hadn't received any payment, I asked again and XXXX said they issued a check on XX/XX/XXXX. The date of the supposed refund check keeps changing and the new servicer still says they haven't received any payment. This {$160.00} seems to have disappeared even though I am paying interest on this amount integrated into my new loan. I don't believe XXXX actually sent any refund check to the new servicer.
Good Afternoon I get credit card with barclaycardus bank in  XXXX   2017 with  0 % introductory APR for the first fifteen billing cycles after the account is opened. and they started charging me fee in  XXXX     2017 I   tried to solve this issue with the bank and they are not able to help me link below :   XXXX   XXXX   XXXX   XXXX   XXXX
On XXXX/XXXX/16, I disputed an entry on my ChexSystems report with Chexsystems. The entry was placed by XXXX, California in the amount of {$250.00} and reported for " Suspected Fraud Activity ''. I did not recognize this, and in my dispute to Chexsystems, I requested documentation from XXXX to substantiate both ( a ) the amount and ( b ) the suspected fraud activity. I then received a letter from ChexSystems dated XXXX/XXXX/16, that states that they have verified the information, but XXXX informed that account was opened online so requested docs were unable to be obtained. This is a completely unacceptable response. How was Chexsystems able to verify information when there is apparently no documentation to substantiate the information?
I 've contacted Navient and have spoken with XXXX XXXX XXXX with their Office of the Customer Advocate on numerous occasions about the inaccurate reportings on their behalf to all XXXX bureaus and he refuse to comply with FCRA guidelines in regards to the deletion or correction of such inaccurate reportings. XXXX XXXX, who is representing Navient has communicated through written correspondence facts that support that they are reporting inaccurate information, as well as, reporting conflicting information to each bureau as well. They have exceeded the duration of time given through the FCRA and I am requesting your assistance in holding them in compliance of such federal regulations. Also please note that a formal dispute was sent to them by certified mail and neither Credit Bureaus conducted a proper investigation if so the information would have been removed.
my name is XXXX : the medical bill was to be paid by insurance but it was never paid. Now Merchants Credit Guide send it to my credit report as unpaid, which has been {$56.00} ; which i paid it directly to the hospital because i want it to be off my credit report, but the collection company still keeps on putting as unpaid and in my credit report. I may be contacted at XXXX or XXXX
In 2012 I had a child. 6 months after I received a bill from the provider but it was substantially higher than I expected, and I was told it was because my insurance did not cover the additional tests required. I talked to my insurance company. The tests were XXXX tests and XXXX done weekly because I was " XXXX '' aka over XXXX. The insurance said that they had not put the XXXX on the bill and to work with them to have it resubmitted. The office manager verbally told me she was working on that and I no longer recieved any bills. Then I recieved a notice it was being sent to collections. I called and it was a new office manager and I reexplained and she was going to look into it, but apparently just turned it over for collections. Grimm Collections has contacted me several times for payment and I have told them this every time all the while trying to get the provider to rebill insurance, but since they sold the debt to the collection company the office manager said it was no longer their debt. I was served with papers that they were going to take legal action. I asked the process server what the next steps were because at this point the medical provider has closed their office. I was told that I would be contacted with a court date. The paperwork only gave options for payment, so I waited. Now I am getting demanding calls XXXX and three times a day demanding full payment, and that they are not going to stop calling and saying that the court date has already passed and I missed my opportunity to say my piece.