WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
I borrowed money starting 15 or more years ago to attend the XXXX College of XXXX XXXX and transferred to XXXX College to pursue a XXXX XXXX. I became unemployed in XX/XX/XXXX resumed the effort to finish my XXXX XXXX and that is when I borrowed the funds to finish the degree. I was XXXX years old and unemployed and felt this was my best opportunity to keep myself employed and able to pay my bills. I graduated in XX/XX/XXXX but remained working temporary jobs and or permanent jobs as an XXXX XXXX and also experienced layoffs and down sizing making it very difficult to pay the student loan bills. I was offered deferments and forbearances that only increased the loan debt to an incredibly high loan amount that I find impossible to pay. I was never offered an affordable payment until the loan balance more than tripled and now Navient is saying I have to pay 10 % of my earnings. At age XXXX this has caused a financial burden, reputational harm and much stress and XXXX of how this is going to affect the rest of my life. I in good faith went to school with the promise and chance for a better opportunities for employment and not rely on state aid. I was never offered an income based payment option and have attached my social security wages from my entire working history to show I really have not had sufficient income to pay these loans. I still live paycheck to paycheck and will never get this debt paid in my lifetime. I believe this to be predatory lending, unfair lending practice and this loan structure has caused intentional harm to my livelihood and any future financial security. I need assistance in having this loan reduced to the original loan amount and credit for the years I have tried to pay this off. This financial burden has been nothing but a nightmare. I went to school part time for over 13 years while working full time part time and many times two jobs and keeping up with class work. The financial aid at the school processed all the paperwork with the FAFSA form and each year even the bill for the minimum of six credits was several thousand dollars. I need assistance with this as I am overwhelmed with high payments and financial consequences for the rest of my life. I have attached what I paid last year which is about {$2000.00} and yet these loans are not in good standing and adversely affect my credit score once again. All of my credit is in good standing except this and I need assistance in getting this loan amount to one that is within the original amount and therefore affordable. I need help as these are not affordable on my week to week paycheck. Please provide me with some assistance.
I disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file
This account was opened fraudulently as a result of identity theft i have asked that the 2 accounts at fifth third be closed and any information associated with these account be removed from my credit files. The company Insists I made these charges because someone made a cash advance at a bank using my ID an SS number which was stolen from the wallet I lost months prior and was used to open the accounts with fifth third in the first place which they don't seem to understand. I have filed an identity theft report with the federal trade commission and including an advidaft of Identity theft with this complaint. I have also submitted this document to the major credit bureaus and reported the identity theft aswell i did not open these accounts and will not stop till my good name is cleared.
These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED XXXX TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED XXXX TIMES -XXXX/XXXX XXXX
I talked to Citywide Home Loans for a new home financing. I knew my credit scores and asked him to provide me a verbal quote on how much rate ranges are. He said he can only provide me a rate after running my credit application. I asked him again - considering prime credit scores how much the rates would be. The competitors are providing 4.125-4.375 % for 30 years fixed with 20 % down and XXXX points. He said to me that their rates are competitive with others and they would be able to provide me similar rates. 

Then he ran my credit - and my wife 's credit and came back and said that their rates are at 4.75 %. Again, mine is prime credit with 20 % down so the credit check changed nothing at all. It was inexcusable for the lender to not have given this quote earlier. The only reason I was going with this lender is that the builder recommended using him and said they would provide {$2500.00} towards the closing costs if I used this lender. His rates were so bad that an outside lender would be cheaper to me by {$5000.00} even after excluding this builder credit. 

This was unprofessional behavior on part of the lender - he lied to me about what the rates would before running my credit check. My wife and I got dinged on our credit report unnecessarily.
In XX/XX/2018 I noticed around {$26000.00} of fraud on my HSBC credit card - mostly at two stores in a different state over a two day period. I was surprised that HSBC didn't flag this as fraud, so I called them to report it. 

A few days after reporting it HSBC had closed the account and opened a new credit card. They produced a statement on the old account showing the large balance with a due date just a few days later. I was advised to ignore the statement, but was annoyed at getting a statement that said it required payment so soon. Unsettling that the paperwork from the bank said one thing and the staff said another. I made several phone calls about this and to request updates about the investigation. HSBC Premier advertise a 24/7 customer service number but outside XXXX they aren't really able to answer this type of question. 

HSBC report a credit score on statements. During the fraud investigation they were reporting a significantly lower score on my statements which was concerning as it was flagged as being caused by " large balance '' ( the fraud amount ). They were not able to satisfactorily explain this or explain why the score they reported had changed significantly whereas the score from other sources ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) had actually not changed. 

By the end of XXXX I received a letter saying the issue was resolved and that I did not owe the money. I also received a statement for the old account with the full balance on the statement but with a minimum payment due of {$0.00}. 

A month and a half later on XX/XX/XXXX I received another statement but this time is said I had a past due amount of around {$500.00} despite the prior statement saying no payment was due. I called the 24/7 premier customer service at HSBC but they were not able to help although they did suggest calling during XXXX Mon-Fri. 

I asked about their complaints procedure and was transferred to a manager who took down some notes. I asked when I would receive a response and he responded by saying that HSBC do not respond to customer complaints. I asked if there was a mailing address I could write to and was told no. I asked if there is any way of escalating a complaint - he suggested the better business bureaux and he said there was no federal complaints process for financial companies. 

My issues with HSBC : 1 ) Incorrect statements continued to be generated after resolution of fraud - amount, past due amount, due date, credit score and reason. Advice was often to ignore the statement ( not really acceptable - would prefer it to be corrected or answered in writing ) 2 ) According to the manager I spoke with : HSBC do not have a way for someone to log a complaint and get a response. 
3 ) HSBC failed to advise me of CFPB when I directly asked about government or regulatory complaint procedures 4 ) Failed to spot fraud
On XX/XX/2017 I borrowed {$800.00}. To date, through XX/XX/2017, I have paid {$1600.00} for this loan, over twice the principal. It is becoming a real hardship for me to have {$130.00} taken out every pay. Since I 've already paid back almost twice the principal, I asked for settlement. They refused a settlement telling me I did n't qualify for a settlement, but could n't tell me why I did n't qualify for a settlement. They only offered to let me pay {$690.00} more. I asked if I had to default before they would consider a settlement and they could n't answer that question. I have been a good customer and never defaulted. I guess that does n't count for anything. They repeatedly ignored my emails and I had to call them. They also left me on hold for an extended period of time. I guess all these were stall tactics hoping I 'd give up. They state on their website that if one has trouble making payments to please contact them and they will work with you. Apparently that is not true. I am not even sure if this loan is legal. I would like to have this loan marked as paid in full. I think they 've made their money.
Senior account specialist at American Express is contacting me multiple times a day, has contacted multiple family members, and has now put my job at risk by contacting my employer on XX/XX/18. They are sharing my personal business with my family, and now are jeopardizing my job.
This is my second complaint with the CFPB about the collection agency, XXXX XXXX XXXX. XXXX is not reporting correct or accurate information. They are reporting inconsistencies to all of the credit reporting agencies and are verifying inaccurate information. They also marked my previous disputes as frivolous to discourage me from disputing despite being provided proof of their lack of a proper investigation into the reporting. Attached are screenshots of the account they are reporting to the credit bureaus. They are reporting different open dates and balances but are verifying them as valid. How can information that doesnt match prove to be valid? XXXX  is reporting a {$0.00} balance and open date of XX/XX/2017 and the same account is reporting a balance of {$1100.00} and an open date of XX/XX/2017. How is this accurate and valid if the information is not the same for the same account? This is a clear violation of the Fair Credit Reporting Act. This also shows a lack of proper investigation on the credit bureaus part as well. XXXX is creating a financial burden causing me to be denied credit due to their inaccurate, incomplete and inconsistent reporting to the credit bureaus.
Hello- I tried opening up a bank account with a credit union today. However, I was told that I was denied because of information that was submitted to XXXX and XXXX. The information that was disclosed to them about me was that I did several fraudently transactions to try and get money. However this is not a true statement or reflection of my character ... I have NO arrests and now they are making me feel like I 'm a criminal. As I recall, back in late XX/XX/XXXX I was diagnosed with XXXX. I was in and out of the hospital. I ca n't recall any transactions that they are stating that I did. I would NEVEr do anything fraudently. Today, I was told that this would stay on my report for 5 years. My health is better and I 'm working now ( I am a XXXX and have been for almost 20 years except I had to leave for medical purposes ). I want this deleted from my file. This is not a true reflection of me. I have to thank XXXX for keeping me alive. I want to dispute this and I want this to go away quickly so that I can open a bank account. They do n't understand how hard my life has been sick I have been ill for the past 2 1/2 years. They also told me that I owed {$50.00} for bank fees ... not any fees that I took from them. I am deeply requesting that all of this is being disputed and that it gets removed from XXXX and XXXX as soon as possible. My next pay date is XX/XX/XXXX and I am desperately asking that all of this information changes so that I can have a fresh start. I do n't recall these transactions but I have young kids and I have overcame many obstacles since my illness. I should n't have to be denied opening an account and then BOA is putting information that is not only embarrassing to me personally but if they could have saw how the bank manager looked at me when I tried opening that account. Under FCRA, I do n't deserve to be looked upon this way and I also believe that if an account was opened and this occurred, that BaoA would have reached out to me and we could have come to a resolution.
the mortagage company paid back taxes and then doubled our mortgage payment. being current on property taxes is required by this mortgage company but was not when we took out the original loan from another mortgage company.
I have a credit card with XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, TransUnion and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX with no successful resolution. XXXX, TransUnion, and XXXX   only reporting me 30 days twice in XX/XX/2017 and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
On XX/XX/XXXX, I booked a bus ticket for XX/XX/XXXX with XXXX from XXXX, PA to XXXX, PA via their website XXXX using my Bank of America debit card. I am a frequent traveler on XXXX and I always received an immediate confirmation via email. However, I used to always pay via credit card but this time I paid via debit card and I did n't receive an email confirmation. XXXX website has no option to chat online or send emails regarding this particular issue. They do have online contact options for other issues but none for payment related. So I called the number listed on their website XXXX and spoke to a customer service rep about XXXX XXXX  on XX/XX/XXXX. He said he could n't do anything about it and connected me to another department saying they could resolve the issue. It was an IVR ( Interactive Voice Recording ) and it basically said no one is available at that time. Since my bus was for the next day, I bought the ticket again using my credit card and this time got a confirmation email immediately. In the next couple of days I called the XXXX number about 3 times only to get the IVR and I realized that this issue was going no where. So I raised a dispute with Bank of America onXX/XX/XXXX. Its Claim ID is XXXX. On XX/XX/XXXX,  Bank of America resolved the claim in the merchant 's favor and closed my claim. I am attaching 3 documents : ( 1 ) Bank of America transaction stating that the amount for XXXX was debited onXX/XX/XXXX even though booking was done on XX/XX/XXXX. This proves that the transaction never went through for 2 days and was successful after the travel date of XX/XX/XXXX. ( 2 ) XXXX credit card statement showing the amount for XXXX was credited onXX/XX/XXXX ( this is the 2nd time I had to buy the ticket since I did n't receive confirmation from the debit card purchase ). ( 3 ) Email confirmation from XXXX who process the payments for XXXX on XX/XX/XXXX XXXX XXXX for the payment done via credit card. Never got an email from XXXX or XXXX for the debit card purchase.
XXXX XXXX XXXX. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**.  They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is XXXX repeatedly reported incorrect and conflicting information to all 3 credit reports. 
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in XXXX correcting the Monthly DUE DATE. XXXX reported to EQUIFAX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX. 
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite XXXX taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. XXXX 's sister company " XXXX XXXX ''  paid as well. They also posted payments to someone else 's account to add to mess so the $ 15,000+ remained on my report .XXXX reported and charged me after TITLE was sent to XXXX. 
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.
On XX/XX/XXXX I used the services of Western Union Business Solutions to make the payment of {$5500.00} sterling to the University XXXX XXXX, in the XXXX XXXX of XXXX XXXX. 
In accordance with the instructions of WU I made the international transfer from my bank XXXX and the bank liquidator XXXX. 
The data that WU gave me were the following : XXXX XXXX : XXXX BANK LIQUIDADOR : XXXX XXXX DEPOSIT ACCOUNT : XXXX NAME : WESTERN UNION BUSINESS SOLUTIONS USA LLC / XXXX / XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE : XXXX XXXX Today, XX/XX/XXXX, the University XXXX XXXX has not received the payment and, therefore, they ask me to do it again. 
I request your intervention so that WU delivers the funds that, according to what they say, are lost. 
Likewise, I request that I reimburse the expenses and commissions that I have had to pay to clarify this matter. 
I have been in communication with WU for four months but they have not given me any answers.
I notified Big Picture Loans 2 times last week that I revoked automatic debits as I temporarily lost my income. Even so, they tried to debit my checking account this morning resulting in a {$33.00} fee for me. In with this, I have come to understand that the interest charged is not within what Minnesota Law allows. I am willing to make some kind of agreement to make payments once my income resumes, however, I request to negotiate the interest and I request the revocation be immediately honored. I also request the they refund the fee I incurred as I sent the revocation in writing. Last, since I had a prior loan and was charged an illegal interest rate I request that an adjustment be made.
XXXX / Navient - I went through a XXXX divorce and never missed payment until the divorce process. I used forbearance for approximately a year but was never given any other options - income repayment or other. I was told my rate could not be lowered and i have been told about a different program each time i contact them. My most recent episodes in trying to pay the loans to date so they did not hit my credit report : XXXX/XXXX/17 - told to pay a minimum of {$390.00} to stop calls and wait on being approved for alternate program without credit reporting XXXX/XXXX/17. {$390.00} went through for payment and that day on phone was told to call the following monday to enter in their XXXX for XXXX program. 
XX/XX/XXXX - Called this day as requested, was told the XXXX for XXXX program was not able to be used because i had paid the {$390.00} the prior week which brought me up to date ( the exact opposite reason i was told ) .. On XX/XX/XXXX was enrolled in an automatic debit draft program and told next payment to come out in XXXX - would bring me fully up to date and then i could pay weekly. Now again this week on XX/XX/XXXX i was called over 15 times saying my autopay did not go through ( even though i was told next payment would be set for XXXX XXXX ) and that i 'm late and acquired a late fee. Navient now has my banking information and my authorization and apparently they were going to draft out a payment for this month ( XXXX XXXX ) without my knowledge when i was told XXXX XXXX. They state that my autodraft did not go through because they entered an account number incorrectly but that is not true because they have drafted out XXXX fees in the past month.
Flagstar Bank has raised my mortgage amount the last two years by excessive amounts. I was just informed that they are raising my mortgage amount by {$2400.00} annually. They indicated that this is because my taxes and insurance increased by {$800.00} annually. They have Done this at least one year prior.
XXXX XXXX has called my job where I work in a call center. So any of my coworkers can get the call and they are trying to track me down. The problem with this they number they are calling for my job they are not supposed to call that number because they number is for internal use only. When I explained that to XXXX he continued to talk over me in a very rude and condescending manner. He basically told me it 's their job to track me down and they have a right to call my job if they can not reach me on my personal number. I asked him to stop calling my job and to take my jobs number out of their system. He would not provide me proof of this and continued to be condescending to me. They can cause me to lose my if they do n't stop calling my job. It is adding stress to me that I do n't need.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ), XXXX and XXXX XXXX XXXX