WillisBack/dataset-financial-user-claim huggingface dataset:
There are several major errors in regards to the information reported to my credit. Also, I was a victim of identity theft and someone stole my identity and used it to open multiple accounts using my information. After trying for the past 3 months to have these fraudulent accounts removed Experian has done nothing in helping and has not removed a single account. I sent them a letter with all of my personal information as well as a detailed list of the accounts that did not belong to me and they have failed to uphold there legal obligation to remove these accounts that do not belong to me. I did plenty of research online and read the entire Fair Credit Reporting Act and submitted all the proper documents, proof of identification and residence, as well as an official police report and they still have not acknowledged my letters and the fact that the accounts listed on my report do not belong to me. 

Here is the list of accounts that Experian are reporting to my credit report that were not authorized to be open by me and are the result of someone stealing my identity and using my information to open. 

1 ) XXXX XXXX Account # XXXX 2 ) XXXX XXXX Account # XXXX  3 ) XXXX XXXX Account # XXXX 4 ) XXXX XXXX  Account # XXXX 5 ) XXXX XXXX Account # XXXX 6 ) XXXX Account # XXXX  7 ) XXXX Account # XXXX  8 ) XXXX XXXX Account # XXXX
I have contacted XXXX XXXX  XXXX XXXX about an issue with a XXXX they sent me which stated they had paid out {$200.00} to account that I had once I brought this to their attention they stated that now they are not going to pay this out and give me a XXXX with a XXXX balance I spoke with the XXXX XXXX and they took over a month to give me this resolution and I still have not actually received anything but they had already printed a XXXX with the bank seems very fraudulent
I have fraud alerts on my credit report and have tried to fix this with Equifax directly and with the companies directly. There are several unauthorized inquiries on my credit report and the credit bureau has been no help! I did not authorize these inquiries. 

State employees cred - 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 XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX
I have contacted the company about having the PMI insurance being dropped as I have met the requirements to do so.They insist that the rules for this are different for my loan and the PMI will remain. I have spoken with my account who has reviewed the paperwork and he agrees that it should go away based on the current value of the home ( XXXX ) vs the amount of the loan currently ( XXXX ). Wells Fargo said that this is based off the original value of the home, not the current value, but even if that were true my home was valued at XXXX when it was purchased. 

I feel like I am being strung out to pay this additional @ XXXX each month for no reason, and if this was taken care of when I had called originally over 2 years ago, I would have saved over {$4800.00} in that process. 

I am also looking to have a real estate attorney look into this as well, but wanted to have something documented since this bank has a reputation of shaddy practice.
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hendering me from gaining employment, and getting financed for housing. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Equifax is reporting negative information from XXXX Tx, XXXX On XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelyhood The information they are showing is not completely reported on my reports from XXXX XXXX, and XXXX.
The information that 's on my file isnt being reported accurately per the Fair Credit Reporting Act 609 i requested contract and signature sign and date with accurate account balances from credit bureau that supposed to be in their files i have n't received any information
Received call XX/XX/2018 (? ) concerning credit bill. Company is Direct Recovery Services XXXX. During that call I stated I did not recall " XXXX '' and requested billing information. I since received a Text on cell phone and several automated voice mails from this company. On XX/XX/2018 I received a letter on letterhead stating I owed {$790.00} and call them for payment options. I was finally able to reach XXXX XXXX who did recall speaking with me in XXXX. I again requested detail billing information for credit card - I have been a victim of identity fraud and stated if the debt is mine I would call back to review payment options. XXXX stated she would have to " request this information '' I stated I thought that was done in XXXX. I stated I was not going to discuss payment options until I was able to verify the debt was/is mine.
In XXXX of this year XX/XX/2018, I enrolled in auto pay for my 5 outstanding student loans that are processed with Navient, see attachment A. Enrollment in auto pay qualified me for a credit and on XX/XX/2018, I received a letter from Navient acknowledging the amount of credit to be {$1200.00}, see attachment B. 

The {$1200.00} credit was posted to a loan which I just paid off in XXXX, so I had to call Navient customer service to apply the credit to pay off 3 out of 4 remaining loans. On XX/XX/2018, I received acknowledgment letter about it, see attachment C. 

On XX/XX/2018, I called Navient to increase my automatic payment amount in order to pay my last remaining loan faster. I am not sure what happened at Navient at that point, but my credit was retroactively taken off, see attachment D. I didn't receive any notifications about this at the time. 

On XX/XX/2018 I received Navient notification that I am past due on my loans and showing outstanding balances on the loans that were paid off, see attachment E. 

I had called Navient numerous time trying to resolve the issue, the last call on XX/XX/2018 was almost two hours. The customer service representatives agreed with me and assured that the errors would be corrected, but nothing has been done so far. I keep the log of my calls to Navient should you need the details. Please help me to get this issue resolved, I am not supposed to be charged interest for the loans that have {$0.00} balance.
Hello there! 

On Monday, XXXX XXXX, 2017, I contacted the bank who handles the XXXX XXXX XXXX, XXXX XXXX, to ask for an account closure and to work a payment plan of a fixed amount until the charge card is paid in full. I was instructed to call the customer service phone number to explain the situation and look for options. 

The representative who answered my phone call, whose name I can not remember, at all times, refused to work out a payment plan based on my hardship situation. Instead, she was insisting more than once, on collecting the debt when I told her that I was about to take care of that before the due date. 

This is not the first time I have problems with XXXX XXXX and they are difficult to work with. All I am asking is for a fixed payment plan between minimum {$25.00} or maximum {$50.00} per month until paid off. The rep at all time did n't consider my offer and instead said to wait until I make the {$40.00} payment due this month to see if the next payment will go for less than usual. 

As soon as I pay off this charge card I will never ever deal with this bank.
XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Starting about a month ago Bank of America started charging my account a long succession of insufficient funds fees of {$35.00} each. They charged me XXXX fees for a total of {$730.00}, the last XXXX on XXXX first. I did n't notice it for about the first two weeks because I knew I had a low balance and I had n't written any checks and I had n't used my debit card. It turns out that my XXXX account was submitting requests for payments of very small amounts between {$3.00} and {$5.00}. They submitted these requests four or more times each for XXXX or XXXX small amounts. By the time I discovered it, Bank of America had already charged more than {$500.00} ( negative ) to my account. By then it was too late for me to do anything about it. Just to compound it they also charged me XXXX or XXXX " extended overdrawn balance '' fees. When I called and spoke with a representative they said that there was no policy limiting the number of fees they could charge an account over a period of time. They did agree to refund XXXX fees ( a total of {$170.00} ) because that was the most they could refund in a given year. 

Bank of America has taken {$530.00} of my money. I receive a social security check by direct deposit on the third of every month. I contacted XXXX about ten days in advance but they said it was too late to change the destination of my check. So Bank of America has taken well over half of my social security check and I have no idea how I 'm going to pay my bills this month. If I had done some kind of damage to them I might be able to understand it but it costs them nothing and they take the fees because they can. I am at my wits ' end. 
XXXX XXXX
In XX/XX/XXXX I entered a repayment plan with Pioneer Credit Recovery , Inc. who told me they were acting on behalf of the Missouri Department of Higher Education. The terms were to automatically withdraw {$65.00} per month from my checking account for 12 months, then I was told the loan would be in good standing and could be available for a lower interest rate. I made all twelve payments, then apparently my loan was transferred to XXXX. With the holidays I did n't realize that they stop deducting the payments so I reached out to Pioneer - all they would tell me is that XXXX was my new servicer and I should contact them. When I contacted XXXX they stated my loan was back in default status and that they had been trying to contact me, although I had received no mail or voice messages. Although I was extremely frustrated I agreed to start the entire process over with XXXX, however this time they were asking me to make a monthly payment of $ XXXX+ per month. I was working part time and had no way to pay that amount so they had me fill out all this paperwork. We submitted the paper work they requested, but we did n't hear back from them. We began calling every week - next thing we knew our tax return income had been confiscated by them without our knowledge or permission. We finally got someone to speak with and they only suggested that we file innocent spouse documentation - but what was really amazing is that they loan was still considered to be in default even though they just applied {$1800.00}. to the balance. I filed a formal compliant with Missouri Department of Higher Education on XX/XX/XXXX and had no response. Now my loan has been transferred to XXXX XXXX XXXX with an additional {$660.00} in Collection Cost/Charges and {$100.00}. of interest. I keep trying to resolve this matter, but only end up running in circles!! I have offered to pay {$150.00} twice a month, but XXXX states I will yet again have to complete a load of paperwork before they can tell me IF they will accept this money, all the while my loan continues to accrue more interest and fees. This is absurd and should be against the law. I want to know what the CFPB will do for me? What other information do you need from me to help me resolve this issue? I have never intended to not pay, but now they wo n't accept what I can pay and continue to charge me additional fees, making the total out of my reach. Please help me!!
Last year with another collection company XXXX commissioned a different agency to collect a debt I do not owe and contacted CFPB to settle this {$110.00} bill, which XXXX never responded to. Instead sent this issue to a different collection agency to garner a different result. Now XXXX has commissioned Diversified Consultants, whom constantly calls my phone and has not addressed the previous issue which XXXX  breached the contract and did not provide the services I signed up for. I signed up for unlimited high speed services and was given what seemed like dial up services, ( slow and not unlimited ). So the contract was not what XXXX promised.
I was foreclosed on in 2008. I feel as though I was a victim of fraud, discrimination, scam, and robo signing. The lender in question is Courntrywide Home Loans, now known as Bank of America. I begged and pleaded with this lender to work with me instead of working with parties involved whom were intercepting my information. Till this day I have no knowledge of how all of these terrible things have taken place to displace us of our home. End resulting of the bank working with this ring whom end resulted in purchasing my home from the bank for {$500.00}
I opened my checking account 2yrs ago with Wells Fargo. The banker who worked with me Named XXXX was a very corrupt. He was distracted & quick talking. He signed me up for a {$3000.00} visa credit card. I stated I only wanted a checking account when I spoke to the banker who was supposed to be working with me but took someone else & was supposed to be passing the message to XXXX. That banker XXXX had problems with other customers when I spoke with his manager at a different location. XXXX also shut my account down when he first opened it. I 've had nothing but troubles & lies from Wells Fargo customer service department. XXXX never went over any credit card information or offer on my visit to open my account.
I received a bill for my American Express corporate card for a charge in XX/XX/XXXX I never initiated. I disputed the charge, advising I was never in that location, and there will neither be any A ) security footage of me using that card in that location or B ) documentation with my signature. Amex came back without any footage from the store in question and with a receipt that did not have my signature on it. The person who signed the receipt did n't even try to sign my NAME, much less my signature. AMEX claims the receipt which is clearly signed by someone else is proof enough and that I am responsible for this bill.
My minor daughter XXXX was seen by the doctor. The doctors office took our insurance information and at the time we had XXXX. Despite having XXXX, we still received a bill. The bill has now gone to collections and is on my credit report.
Upon calling the collection agency Equifax stated I have a debt with, the agency informed me that they have no record of me having an account with them, which is correct because I can not recall any debts with XXXX. This acct was already in dispute for more than 120 days and was still showed reinvestigation in progress. I notified Equifax and they stated they could only remove the comments and it had to be redisputed ( see attachment file dispute1a ) conf # XXXX. After I was informed the comments attached to this acct were deleted I went to Equifax.com and filed a dispute with the confirmation # XXXX. When I called the same day to confirm that the dispute was submitted, I advised them I may have picked the wrong reason for dispute in error. Another confirmation was given to me # XXXX to correct this. Upon reviewing the report during that time I noticed that they had duplicated the exact same acct onto my report with the same exact acct #, bal, debtor, etc. I waited 30 days and received documents stating that these acct 's were delete ( see attachments ) and investigations were closed on XX/XX/2017. When I reviewed the Equifax report it still showed the exact same acct that was to be deleted with the duplicate acct gone. I called Equifax and asked why the acct was still showing on my report. They stated that they could not remove it and to call the collection agency again. I advised the agency will not help me and that they have no record of me having a debt with them and referred me back to equifax. I also advised them that I received documents from their own system stating the acct 's were to be deleted and they still did not delete them. They stated another dispute must be filed and they went ahead and filed an additional dispute with confirmation # XXXX. This is in strict violation of FCRA one, because it is taking more than 30 days, and two, they 've already told me they investigated it and it was to be deleted. I am in the process of trying to obtain a loan and they are not cooperating whatsoever. This acct needs to be deleted. Please PLEASE help me.
On or about XXXX XXXX, 2006, I financed and obtained a Refinanced Mortgage Loan in the sum of {$380000.00}. HSBC concealed the fact that the loan given to me was an " Adjustable Rate Note ''. As evidenced by the recorded Deed of Trust the box entitled " Adjustable Rate Rider '' that is supposed to be checked if the Loan is Adjustable was not checked and the required Adjustable Rate Riders that are supposed to be attached are not attached. ( See Deed of Trust attached ). 
I signed a fixed rate 30-year mortgage. HSBC has substituted for the fixed rate note signed by me for a variable interest rate note bearing the FORGED signature ; said another way, the variable interest rate promissory note used by HSBC in the lawsuit I filed bears a FORGED signature and I never signed said note, nor did he ever ratify said note. I hired an handwriting expert and she determined that my signature is a forgery.
Equifax was hacked and their tool at XXXX indicated that my information may have been compromised.
I sent dispute letter back on  XXXX / XXXX / 17  Current Creditor  : Je  fferson Capital Systems LLC Debt Descriptio n :  XXXX   XXXX  Checking Original Account :  XXXX  Ref #  XXXX  Principal : {$120.00} To :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I  XXXX   XXXX  is disputing this debt from  Jefferson Capital Systems LLC :   XXXX    XXXX     XXXX  for {$120.00}.
I received numerous phone calls from national enterprise systems on a false phone number. All phone calls are on XX/XX/2017 time stamped at XXXX am, XXXX,XXXX am and XXXX am with a number of XXXX. Then they called my place of employment on XX/XX/2017 when I am not supposed to be taking any personal phone calls. I also informed them on the last call on XX/XX/2017 that they were in violation on federal law and then hung up on the collector. This behavior is in violation of the harassment section of the fair debt collection act section 866
I have student loans payments of {$260.00} per month, {$150.00} through XXXX and {$100.00} through Heartland ECSI. A financial set back put behind schedule for many months, and I wan unable to get reduced payments.
My wife and I began our relationship with XXXX XXXX XX/XX/2015. His company is : Cherry Creek Mortgage , Inc. 
XXXX XXXX XXXX XXXX, # XXXX XXXX, CO XXXX XXXX # XXXXOur purpose in contacting XXXX XXXX was for the purpose of refinancing our XXXX mortgage. XXXX XXXX also found a financial institution to refinance our XXXX mortgage. Things seemed to be progressing smoothly. XXXX XXXX advised us verbally not to pay our XX/XX/XXXX mortgages as we would be closing on or about XXXX/XXXX/15. As you can see by the emails I have attached to this complaint, XXXX XXXX continued to advise us not to pay XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX mortgages. And then, ultimately we would have to pay those months causing us to be late. On XXXX XXXX, my wife sent XXXX XXXX an email expressing our frustration that he does not return our phone messages and we have no idea why these refi 's have not taken place yet. My wife left XXXX voice messages on XXXX XXXX 's voice mail on Tuesday XXXX XXXX and send him the final email attached. We never received a response. My wife and I are now faced with losing our home because we now have " late '' payments on our mortgages and are not able to re-fi with another institution. XXXX XXXX is incredibly unprofessional. He does not respond to emails nor does he return phone calls. It should not take 6-7 months to do a re-fi.
Citibank send me a credit card invatation to open a new credit card and said if I used XXXX dollars with in the first 3 months I will be give XXXX points. I used over XXXX and its just been XXXX months. I call to ask about the points and after transferring me a few times they said I dont qualify for this because I cancel one of their cards recently. How will I be able to keep track of what I cancel or did with their cards. But the send me the invitation and I complete the requirements and deny the bonus. They told me this was on their disclosure when I sign up but why would the offer me this when I do not qualify.
Experian did not provide any method to dispute their findings which were incomplete and inaccurate via any medium they advertise is available Phone, internet etc. Under the law I am entitled to  150  page rebuttal/explanation of any negatives- this was NOT afforded. Report  XXXX . Also they have NOT addressed the security freeze I substantiated earlier was instituted by me and my wife and YOU continue to close the report as if this has been addressed. The issue at hand   XXXX   XXXX   XXXX    was  forced to put incomplete and misrepresentation due to the limitations of response given by Experian in effect setting us up for lower credit FICA score as indicated on my prior complaint today. Opinion I find it repulsive that your agency has not deemed this important enough to pursue further by fruits establishing who you really are and who your really represent! THE SAD JOKE OF THE INDUSTRY IS FICA SCORING WHICH CAN BE PROVIDED IN ANY NMBER OF WAYS BY ANY NUMBER OF LENDERS-
On XXXX XXXX, XXXX my son was driving a Hyundai XXXX that was in an accident and totaled. I co-signed the loan on the car. The insurance covered the cost of replacing the car along with GAP insurance that was paid to Hyundai Motor Finances on XXXX XXXX, XXXX. My account with Hyundai is # XXXX. In XXXX, XXXX I happened to check my XXXX Credit Report and noticed that Hyundai was still reporting almost {$20000.00} still being owed on this car that had been paid off by the insurance companies. i contacted both XXXX and Hyundai about this. XXXX issued a dispute to Hyundai and considered the car as having been paid in full. When I finally got through to Hyundai Motor Finance the representatives were very rude and stated that there was a {$350.00} balance left on the car. I questioned them as to what this was for and they could not tell me specifically. I asked, if there was a remaining balance on the car, since GAP paid them in XXXX, why they never contacted me or sent me a bill. They told me they do n't do that and I " would have figured it out eventually ''. When I asked to speak to a supervisor I was told that one was not available and they had up to 72 hours to return my call. Today is XXXX XXXX and I am still waiting. I sent a certified letter to Hyundai Corp. offices in California on XXXX XXXX telling them about the problem I was having with Hyundai Motor Finances. I received a one sentence letter back stating that the balance was correct. Again there was no explanation of what it was for. A regular car payment is {$380.00} a month so this balance was not even for a monthly payment. On XXXX XXXX I again called Hyundai and spoke to someone named XXXX who told me a bill had been sent on XXXX XXXX. I never received it. I asked her to send me another bill and itemized statement. None has ever been received. Yesterday I received a phone call from a woman at a collection agency telling me the account with Hyundai had been sent to collection. I explained the situation to her and at this point I am absolutely livid. In addition, my credit score has dropped XXXX points this month.