WillisBack/dataset-financial-user-claim huggingface dataset:
I asked for a " chip and pin '' debit card and received it a few weeks ago. I was told that it would n't be like a previous card I had that used a chip and would work by waving the card around, seemingly magically. I assumed it would work with a pin number but I have had a different experience than I expected. The bank ( in my case, it 's J. P. Morgan Chase ) has chosen to implement a system whereby for the most part, the chip replaced the pin number. I do n't like this because if I should lose my card, it is immediately usable by anyone who finds it. I want my card to be like it was before, but with a chip.
I uploaded to Equifax a copy of a Lien Release Notice - Lien Recorded in Error signed by a California XXXX XXXX XXXX representative and a copy of the same release that was filed. This document is the only document that is provided by the CA XXXX. Equifax is insisting that I need to show them a Lien WITHDRAWAL Notice, even though the Lien Release Notice I provided to Equifax clearly shows that the lien was filed in error ( which means that the lien should not appear on my credit report ). Equifax is insisting on a document that the CA XXXX will not provide. This makes absolutely no sense and means that, even though anyone reading the Lien Release Notice would conclude that the lien should not appear on my credit report, this lien will continue to show as " Released '' and negatively impact my credit score. Also, when I spoke with XXXX Equifax representatives, they told me that no one had read the evidence I had uploaded, which means that Equifax 's review process is nothing close to reasonable.
I am
one of 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax. Through Equifax, hackers accessed my name, Social Security number, birth date, addresses and, possibly drivers license number. They may also
have stolen my credit card numbers and documents with personal identifying information.
This is unacceptable and will result in great personal expense of time, money and energy for the foreseeable future.
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 this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX
XXXX complaint already filed. I XXXX XXXX and my Wife had loan under my Wife 's name XXXX XXXX. I discovered that I and my Wife unable to loan because of our identity theft filed at Personal Finance Center, This company affects all our major credit report at the 3 credit Berue. XXXX XXXX XXXX. as Well as other financial Institution. I already filed complaint at the XXXX XXXX XXXX XXXX and I believe they settled this case outside court as Well as the credit Berue. so sent to Administrative of the XXXX XXXX XXXX XXXX XXXX, XXXX Washington DC XXXX you can send more detail to the Court or the FTC for identity theft. I also have problem With XXXX XXXX, he is a employee at CFPB for helping people changed my name to other person 's name With other Financial Institution such XXXX XXXX XXXX  In XXXX XXXX XXXX. I have discovered 2 of the person are employees at the XXXX Protection AG office her on XXXX. and I discovered XXXX XXXX transfer my money in to her name. and XXXX XXXX XXXX both used faked name here on CFPB.
I checked my credit and found that XXXX XXXX XXXX  DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!
I worked for XXXX, XXXX, Fl XXXX through a XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Fl XXXX. My credit report from XXXX in XXXX Ga XXXX says under the collection information that I owe the XXXX, {$650.00}. I only worked for them from XX/XX/XXXX - XX/XX/XXXX through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the Equal Employment Opportunity Commission but the complaint did not fall under their statutes. the dates are XXXX almost the same dates as I worked for them.
My Mortgage with XXXX was sold to BMO Harris Bank in XXXX of XXXX. I have never had an escrow account as part of my loan agreement as I originally paid 20 % against the sale value of my house. After my mortgage was transferred I continued to pay my monthly payments as usual until I received a statement in XXXX of XXXX where it indicated that BMO Harris paid my year end property taxes and Homeowners insurance. On top of that they paid XXXX dollars more against my property taxes then the actual cost. All property taxes were current and on top of all this I had paid my property taxes and Homeowners insurance as well. BMO Harris never told me nor should they have ever paid my taxes or homeowners insurance. As a result of BMO Harris paying my taxes and insurance they have now issued me an adjusted statement stating that my escrow account is {$26000.00} in arrears and that they are adjusting my monthly mortgage payment to address the escrow shortfall. My new monthly payment would now be in excess of {$6700.00} per month. I have been in contact with both their customer service department and Escrow department continuously for the last two months. They have freely admitted that when they took over the mortgage account that they set it up in their system incorrectly which resulted in their paying out of an escrow that does not exist. They keep telling me that they are going to fix it and get their money back from both the XXXX and insurance company. My mortgage payment is out withdrawn from my bank account around the XXXX of each month and as of XXXX XXXX, XXXX they started withdrawing the {$6700.00} from my account which now has created serious financial difficulties for me. The bank is in breach of their fiduciary responsibilities and perhaps other laws that I am not privy to however I need this remedied. BMO Harris has been woefully non responsive in trying to resolve this and it would appear they just keep putting me off. Next step is legal.
Closed on a home on XXXX XXXX, 2016. Received a notice in the mail from USAA saying they " completed an analysis of your escrow account, and has adjusted your mortgage payment to reflect changes in your real estate taxes or property insurance. '' The difference in our monthly payment is {$240.00}. How can they raise our mortgage payment if we 've already closed and signed based on a completely different agreed upon payment? Why was n't an " analysis '' done before we closed?
I was about a month away from the end of my deferment period after graduating with my XXXX XXXX degree and was enrolled in a graduate program. The school had already sent out the information to lenders so my deferment should have been continued but I continued to receive notifications that I had to pay soon. I contacted Navient to get this fixed, as I am not working during my program and can not make any payments so the deferment was necessary. The person I spoke to said that he didn't know if they got the information from my school stating I would be enrolled full-time so I got a letter directly from the admissions office with all of the necessary information to defer my loans and submitted it immediately. My payment date was coming up in a few days at this point so I asked them how long it would take to change this on my account and stop the payments/begin deferring my loans again and he said it would range from one to two weeks so it is mandated that I make a payment so I am not late. I made the payment after getting off the phone with him and the next day, my deferment was accepted. Thoroughly disappointed in the inaccurate information I was given, as I have limited funds as is and made a large payment when I should not have had to.
XXXX is reporting a collection account to XXXX that is not my account. The account is for someone unrelated to me but has the same last name. I have been trying for years to get them to remove it without any help.
I have a lot of inquiries on my credit and Equifax does not wont to do anything they dont even have address to the company for me to even call them. They cant fix anything on your credit why are they a credit bureau
Chase Bank gave me a Qualified Mortgage that has a balloon payment, is longer than a 30-year-term and negative amortization ( my mortgage just jumped {$1300.00} last month due to their negative amortization practices on the loan ). 

ALL these " risky loan features '' are illegal and not permitted : https : XXXX
Hello. 

I keep getting harassing calls for a debt I do not have. The alleged " debt '' is from XXXX XXXX. The harassing calls and fraudulent debt claims are coming from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These people are also adversely affecting my credit record through this fraudulent claim that they have reported to the credit bureaus. 

Please have them cease and desist the harassing calls. I also want them to remove this information from the credit bureaus and from my credit record. 

Thank you.
many telephone calls from some guy calling himself XXXX XXXX at XXXX extension XXXX. He said he 's collecting for XXXX and I told him I had never had an account with XXXX and do not have an account with XXXX and he threatened me. Said if I did not give him personal information that he would just keep trying to get payment.
Have a state tax lien that is not mine I already disputed on the XXXX credit bureaus and called the franchise tax board and as of last week the clerk said the lien would be removed in 104 days and she verified the name of my ex husband and his address as I believe he is the one who committed this fraud XXXX XXXX XXXX
I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX V TransUnion XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? 

I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX and TransUnion {$0.00} Past due : XXXX and XXXX $ 0/TransUnion {$65000.00} XXXX shows that I paid on time for XXXX XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XXXX and XXXX or XXXX while XXXX clearly shows that I paid on time. Delete this account at once!
Claimed my debt is XXXX dollars when in fact my debt was closed by the credit card company at XXXX. Pressured me into paying with 5 hours or they were taking me to court and putting a judgement on my credit report. I expressed to them I had no knowledge of the debt and today was the first I 've heard of such debt. They refused to disclose any information regarding the debt. Statements and also gave me wrong dates as to when the credit card was opened and closed. Making me think this debt was newer than it actually was. Told email I would n't be able to take out a mortgage loan if I did n't pay today. I called chase bank and verified all information which was wromg. They told me they were authorized by chase bank to pull my credit report but chase bank told me that they can not do that. They illegally obtained a copy of my credit report and used it against me.i felt bullied and pushed into a corner. I would have paid this bogus debt if it was n't for my gut instinct. ATTACHED you will fined the final bank statement from. CHASE bank with the original close debt.
I have sent - faxed and mailed a copy of my DL, proof of address numerous times and Equifax has not updated my address or employer. It has been over 30 days. In addition, I faxed, mailed a copy of my bankruptcy discharge paperwork and they refuse to report the bk on my credit report. This has been the worst company to deal with. I just received an email that my dispute results are complete, using the 10 digit confirmation # it is all of a sudden saying my information does not match their records and will not allow me to view my results. This is a failed attempt on their part to meet the 30 day requirement but not update the information.
Capital management has called me multiple times a day either speaking with me or leaving voices mails. When they have called and I picked up I told them to stop all phone call communication. If they want to talk to me to mail me information. Nope rhey continued to call leaving my personal info on my phone, on my step grandfathers phone. When they as well told them I do n't live there nor do they talk to me and please stop calling the wen harassed them. I have one of the.voice mails saved with the women 's name. I know the fcpa laws and the cfpb protection laws they have broken more than on with me. This must stop, I am looking into law suite with the company.
In XXXX I was using XXXX XXXX XXXX as my internet provider. I repetaly lost service for days and weeks at a time. After many phone calls I was sent to a XXXX XXXX XXXX retention person that offered me a reduced rate for the duration of my service with them. In XXXX my bill significantly increased by over 30 %. I called yet again but was told that the rate the gave me was expired. I asked them to stand by the verbal ( recorded ) offer or cancel my service, they canceled. I later received a bill for over {$250.00} for canceling, late charges and the bill at inflated rate. This debt was sold to a collection agency that constantly contacted me to the point of abuse. I offered {$100.00} to settle and have them remove from my credit but the yelled at me and declined. The debt has know been sold to the third credit company and has negatively effected my credit yet again. I would like this removed without the chance of been submitted to another collection company.
I issued an money order on XX/XX/XXXX-submitted to my apartment manager for payment, 2 weeks later i got a notice telling me my rent is past due- $ XXXX-money order payment thru XXXX XXXX. I called XXXX XXXX to report stolen money order and it had been cashed on XX/XX/XXXX- to sun trust bank, not sure of which bank, XXXX XXXX will not provide me with that information. I worked with XXXX XXXX for several months, then i get a letter where suntrust bank denied paying of stolen money order.
I have never met or seen the person whom name-XXXX XXXX is on this money order. The money order was cashed without a signature and identity.
I had to pay a double rent of {$560.00}, for the month of XX/XX/XXXX, which caused me hardship as a single parent withXX/XX/XXXXchildren and XXXX XXXX XXXX, and I do not get any government services. I can not afford to loose that much money.
XXXX XXXX did not require me to do a police report, because they stated they could clearly see money order altered and I did a affidavit and it was notarized, if there is anything else I can do please let me know..
I purchased a set of luggage from an XXXX vendor. I only received one bag instead of the set I ordered. The luggage company says their policy is pay for return shipping when they make a mistake. However they responded saying I had to pay for the return shipping along with an additional fee. I had used my debit card to make the purchase so I began the process of reversing the charges. I explained the entire situation to my Huntington Bank representative and in the end they denied my claim. Now I own single piece of luggage that sells for {$99.00} for which I have a paid {$230.00}.
I have a loan with WELLS FARGO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
These people call from many different numbers, but the one I get the most is XXXX. The message says " we have several complaints filed against you '' and that " your cooperation is required. '' -- - essentially meaning I have to pay what they are requesting and do what they demand. They do not say they are trying to collect a debt, but it seems to be what they are threatening. I have no outstanding debt, so this is a scam. They seem like they are trying to threaten old people into turning over money. Many sites talk about these same dishonest tactics. They just called me 2 hours ago and XXXX XXXX from this number. They may have tried to use other numbers but left no messages. 

I even blocked them but they continue to leave messages.
The two ab ove accounts where removed off all three credit reports in  XXXX , i sent in documents to prove it was n't my loan, it somehow got reinserted  XXXX  to my  XXXX  and   XXXX   credit report, which is affecting my credit, the account does n't belong to me, by law you are not allowed to reinsert a removed/or deleted item after 7 days
I submitted information on XXXX XXXX 's website. We were looking for a refinance with cash out to do home improvement work. Quicken Loan 's contacted us. After a conversation with XXXX XXXX XXXX, a Senior Power Banker there, I told her we were not interested as their fees were much higher than we had been quoted else where. We have since received XXXX sets of documents for them as if we are proceeding with the loan. I feel this is very predatory in nature.
I am senior citizen and I have a XXXX XXXX, XXXX  XXXX. Also currently receiving XXXXXXXX XXXX XXXX where I was advised not to sign any documentation currently. I was desperate and needed a small loan to get by until my next XXXX check. I contacted Amplify funding and borrowed only {$500.00} not knowing my interest rate. They went so fast and kept telling me to sign page after page without explaining my interest rate. They are now going to take {$170.00} on the XXXX of every month for one year and I will end up paying them over {$2000.00} for a {$500.00} loan. I know I have my responsibilities but nothing was explained to me and I can not afford to pay over {$2000.00} and have {$170.00} taken out monthly. I felt I was rushed and taken advantage of. I plan to pay back what I borrowed but as a senior on XXXX I can not make these payments. I was rushed through the process and not explained anything about my interest rate. I was shocked to find out how much I had to pay back. Please help me and tell me what my options are. I plan to close my back account but also have every intention on paying back what I borrowed but not at the outrageous interest rate. I can't pay it. What are my options? I'm in the process of getting a case manager to help me with my finances.
The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter XXXX Section XXXX MGL Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
I'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}
XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, this account has payment protection on it. First, the card had been attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as :XX/XX/XXXX CREDIT PROTECT XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.
Equifax is reporting erroneous information in my credit file regarding a Bankruptcy from 2011. I have tried without much success to have Equifax remove the bankruptcy that is associated with my name and credit file. The latest result was a " confirmation '' that the information was indeed mine after the company " verified '' their information through XXXX. After speaking with an Equifax representative, it has come to my attention that the reporting agency makes use of third party reporting agencies. How Equifax came to their conclusion is dishonest and this makes what they are reporting invalid. I know for a fact that the court systems to not verify public records with the credit bureaus or third party reporting agencies. Equifax is using their insistence on their information being correct to ruin me and my credit file.
I had my payroll check being deposited to the Rush prepaid card which is done every other Friday it has been 7 days since my deposit & I have not been able to get my money off of the card. The company says they had some type of software glitch so it 's happened to thousands of customers however the CEO XXXX XXXX ( very well known XXXX or XXXX ) has taken up all social media outlets saying the problem has been rectified yet I still have no access to my funds. I 've literally called their XXXX number probably XXXX times everyday just to be told that I should be able to get my money within an hour yet each time that has failed. I call the XXXX number again just to be placed on hold for XXXX hours then hung up on. I 've emailed, sent messages via XXXX, XXXX, etc per what they 're telling us to do on the XXXX yet nothing has worked. I work hard for my money & have several severe medical issues which causes me to take medicine that I have n't been able to afford to get. So it 's been a week since I 've had my medication I 'm literally praying that I make it through each day. Please help me!