WillisBack/dataset-financial-user-claim huggingface dataset:
I put in a dispute, on XXXX/XXXX/2015 it was updated and no changes were made, I called the CRA ( Equifax ) and was told, that the government agency ( Social Security ) vouched that the debt was correct, even though I had sent them a notice and proof of payments to show it was not. ( I am unable to contact the department who reports to the CRA for Social Security, and I have even mailed them directly, they are a subcontractor of the Social Security Administration, and their address according to the postal service is not valid ) The CRA resubmitted the dispute to the government agency a second time on XXXX/XXXX/2015 and my second request has expired rather than the CRA notifying me, and the item has not been removed from the my credit report, further penalizing me for a debt that amount that is inaccurate. Since this time an Administrative Law Judge for Social Security has reviewed my case at the request of my federal representative and the balance of {$31000.00} has been reduced to {$6900.00}, I also uploaded a PDF of the judgement from Social Security with a new account number, my previous debt account is now being used for a dependent debt and is not collectible on my credit report, and yet the balance and account numbers are still showing on my credit report incorrectly, and the information has not been changed on my credit report, nor updated by the CRA, or Social Security, who only seem to report changes one time per year .... and it is now XXXX XXXX 2015.
My debit card was stolen when I was at a XXXX XXXX in XXXX on XXXX XXXX, 2015. I paid to have my nails done prior to receiving service and my wallet ( onkly containing the debit card and license XXXX were XXXX stolen. I did not realize the wallet had been stolen because it was taken out of my purse and my purse was not stolen. When I discovered that it had been stolen, I immediately reported it stolen on XXXX XXXX, 2015 and got a new license. My fraud claim to the bank ( BB & T ) was denied because they feel like I did not have enough evidence. I have since filed a police report about the charges which were made in another town XXXX XXXX, NC XXXX totaling {$2400.00}.
Experian has XXXX account XXXX original creditor XXXX. I never had XXXX nor did I ever live at the address it was installed has been deleted with the other XXXX credit bureaus.
I received a letter saying I qualified for a {$500.00} pay day loan. This was right before XXXX and I needed the money to help buy presents for my family. I was told there was a finance charge around {$150.00}, which is a lot, but I agreed to it. I received the money and I have been paying {$150.00} every two weeks to pay off the loan. Its XXXX now, and I have paid {$900.00} towards this loan. I checked the website ( they just changed their name from XXXX XXXX to Big Picture Loans ) and I have only paid {$25.00} towards the balance! I 'm shocked and I feel scammed. I took a screen shot of the payoff schedule, which was unavailable before i took the loan out, and it seems I am to pay {$2200.00} to pay off the original {$400.00} loan. That 's outrageous!
I have received multiple calls for a group representing Check and Go Online payday loan service. The Group called today from the number  XXXX  and I called back and spoke to a  XXXX , he was really nasty and condensending. I advise him I do not and have not ever used a payday loan service and never used online service to get a payday loan. I told im I am not the person they are looking for, and how to we resolve them constantly calling me. He had told me the las t 4 o f the ssn   XXXX   and that a debt for {$400.00} was made and attached to my number. This is the  4 tim e I 've spoken to this individual.   They have called me and threaten to come to my job, threaten a processor would come to my house, Threaten with legal action and I need to have an attorney make a statement for this debt. I told him that 's not my number, He then placed me on hold and came back with part of my SSN and parts of my DOB and said he would REMOVE my name from that Debt.   This DEBT is NOT mines Check and Go and its representative are operating outside the consumer protection limits. They are making threats and calling and harrassing with unverified information and are abusing consumers.
I got a hard inquiry from a company call ed CBNA (    XXXX   XXXX   XXXX   XXXX    )   XXXX   XXXX  SD  XXXX  Date of inquiry  XXXX   XXXX   2017 Was  not authorized.. fraud ..
I previously complained and was informed the case was closed : Case XXXX with the CFPB. I was told my phone number was on the " do not call '' list BY Comenity Bank. 
At XXXX, XXXX XXXX, XXXX, I received another call for the woman noted in the previous complaint : a woman I do not know, have never known, and who has never, to my knowledge, had my phone number. I 've told the bank this on several occasions, yet they continue to call. The woman who called this morning said " no one informed us of that. '' I would appreciate your re-opening this case and insisting that this bank stop calling me. 

Thanks so much.
XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) fail to correctly process in-school deferment. 
XX/XX/XXXX - In-school deferment requested/school enrollment verification sent. In proper date of deferment was applied and request to amend have not be answered. Email ( s ) list deferment until XX/XX/XXXX which is different than date from the university listing anticipated graduation XX/XX/XXXX.

XX/XX/XXXX - Invoice statement from XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX sent within the grace period/in-school deferment. Invoice reflects incorrect deferment date ( XX/XX/XXXX ). Letter disputed XXXX deferment date and requested a copy of complete loans records and/or documents XX/XX/XXXX - Email from XXXX is a billing statement, which I am unable to open or log into account. Additionally, I have requested XXXX on ( XX/XX/XXXX and XX/XX/XXXX ) to cease and desist sending erroneous emails/communications.
I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information.
XXXX XXXX XXXX ( XXXX, Ga ) is a for -profit school that is holding my transcripts hostage for what they claim I owe {$3900.00}! I attended this university in good faith for XXXX years until suddenly I " maxed out '' my financial aid. Now, it 's kinda odd that this would happen when I 'm XXXX credits into my XXXX credit degree program, but I 'm not the only one this seems to happen to. This school is STILL trying to make a profit off of me even though I could not pay out of pocket to continue my education with them. They are now preventing me from moving forward with my education and are hindering my quality of life!
I am submitting this complaint due to me reaching out to Selene Finance on numerous occasions concerning all the different letters that I receive from this company concerning my mortgage. I have gotten at least XXXX different letters stating XXXX different amounts then on top of that I got certified with a letter of intent after we had signed modification papers on XXXX/XXXX/2017 along with the first payment in which you guys asked for it in the document. I have attached the documents that I have an issue with. The sad thing is I have spoke with at least XXXX different people who continue to tell me our information has n't been updated and to keep calling but you continue to send me papers dated for XXXX/XXXX/2017 and XXXX/XXXX/2017 but I called on the XXXX/XXXX/2017, XXXX/XXXX/2017 and XXXX/XXXX/2017 so you definitely should have been able to deal with my issues or questions concerning our mortgage issues.
I received a letter from Mercantile Adjustment Bureau LLC, claimiming that they were collecting a debt for XXXXXXXX XXXX  XXXX for XXXX. I first called the the number on the letter and could only get transferred to voicemail. They were unable to speak with me personally. Next I called XXXX XXXX to see if I had an outstanding debt. The person I spoke with did some research and was unable to find any outstanding debt. She seemed to think that this was a fishing scheme. I also checked my credit report for open and closed accounts. I was unable to find any type of account. Also I never had an account with XXXXXXXX XXXX.
I have sent several certified letters to  XXXX ,  XXXX  and  XXXX  demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as  XXXX . All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XX/XX/2014    Amount : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.
Identity theft I am a victim of stolen identity and fraudulent accounts open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX dealer svcs XXXX Stolen amount XXXX
I informed XXXX XXXX that my debit card had been used fraudulently debiting my account near XXXX in 3 separate transactions to XXXX XXXX on the XXXX and XX/XX/2018. I contacted XXXX XXXX and filed a complaint and subsequently filed a police report. I contacted XXXX XXXX and filed a dispute and promptly faxed over a signed statement and copy of the police report. Complaint filed XX/XX/2018 fax received and added to my file XX/XX/2018. I asked about a provisional credit to pay my rent and avoid fees and eviction and have been told continually that I may get one after the XX/XX/XXXX but that it is not guaranteed in any way. I asked them why federal regulation E didn't apply to my account and my dispute and have been continually told they are not a bank they are a preloaded debit card and provision E doesn't apply to my account and that i may receive this credit sometime in the future. They have been informed of my eviction and loss of my home and I've taken all necessary and reasonable steps to accommodate them. XXXX XXXX is making me a victim a second time and causing me through there refusal to follow federal law to lose my home and possessions as I am literally broke and without transportation and now without a home. Please help, this is wrong and needs to stop, your bank should protect you not revictimize and punish their card holders. I've called level one and level two support five times each day for the last four days to no avail. 
Please help. 
Respectfully, XXXX XXXX
I make a modest income and it 's not enough to cover my mortgage and student loans. XXXX private loan already is in charged off status. Navient continuously sent me notifications that I had options if I called them. But when i did the only option i had was to pay my bill normally.
On XXXX-18 I sent a letter of validation request to Bonneville Collections. In my letter of validation I specified that it should be in accordance with the FCRA ( an original consumer contract with my signature ). 

On XXXX-18 I received a response from Bonneville Collections which only included an itemized statement of services and charges of {$810.00} which they obtained from the original creditor XXXX XXXX. No contract with my signature was ever sent to me. 

As a result of medical procedures being listed on this statement, not only was this not proper verification but also a clear violation of my HIPPA rights.
XXXX XXXX ( recruiting ) They got on my DAC Report discharged .Falsified Employment application.Idid not work for this company, XXXX XXXX XXXX Also said the same thing Discharged Fasified application, also did not work for this company.
Citizens Bank ( CFG ) counts it against the bankers if the customers choose to opt out of the debit card coverage. Therefore some bankers encourage their customers to opt in so that their cross sell ratio on new accounts is not negatively effected. If this happens to you, leave. Or just leave now. They do not know what they are doing.
Transunion is improperly sharing my report and improperly allowing people to open accounts in my name despite me placing a fraud report on my account and doing as they asked which is provide a notarized statement saying the inquiries are unauthorized. They refuse to remove the inquiries.
The interest on my loan needs to be recalculated. I initially took out student loans in XX/XX/XXXX-XX/XX/XXXX. Later I returned to school from XX/XX/XXXX-XX/XX/XXXX and during that time the previous loan was not deferred while I was in school. My current loan servicer, Navient, has no record of attendance in XX/XX/XXXX-XX/XX/XXXX, and the advocate says they can not do anything despite having official transcripts presented to them. In searching the Dept. of Education Database, there is no record of my attendance during the years of XX/XX/XXXX-XX/XX/XXXX, therefore the loan was never deferred and interest accrued. Additionally, I question the interest charges during the period of XX/XX/XXXX-XX/XX/XXXX. During these years I was a student, on welfare and was not offered deferment of my loans. I need assistance in obtaining the true amount owed at this time after the interest adjustment. I would appreciate having someone who can help me a ) submit the official transcripts for school attendance from XX/XX/XXXX-XX/XX/XXXX to the correct contact, and b ) revisit the circumstances of the period during the years XX/XX/XXXX -XX/XX/XXXX, leading to a recalculation of my current loan balance. Your help is greatly appreciated. Thank you.
I investigated XXXX Estate through Trans Union about 1 1/2 month ago and this item was deleted. I just check my credit report through XXXX XXXX and this creditor is reporting once again which brought my credit score down XXXX points. What 's is sense of a consumer going through a 30 day investigation when the derogatory credit is being reported once again on their credit bureau report.
Starting on Thursday XXXX XXXX, both myself and relatives have gotten calls daily from someone attempting to locate me. So far theyve called from : XXXX XXXX XXXX XXXX Same recording every time. Online searches show that its a payday loan scam, they say that you have a payday loan outstanding, and you have to pay up or face consequences. Related to this, I got the same type of calls two years ago, and ended up paying after the caller emailed me a validation of debt, which in hindsight was probably fake. 

I havent taken out any payday loans, but theyre insistent and say maybe you just dont remember. I literally have not taken or borrowed any money, yet these phone calls from scammers just fall out of the clear blue sky for no reason, known to me.
I have lived in my home for XXXX years. In the last XXXX years I have had personal hardship. I lost my business of XXXX years. I went thru a divorce after being married for XXXX years. I also had a bout with XXXX. By grace I was able to keep my head above water. I know have means to pay my bills. I have a loan with Carrington that I am behind on. They are foreclosing on my home. I have funds to pay my monthly payments plus a little more. I have enclosed my bank statements showing I can do so. I just can not pay thousands every month. At least right now. Please help
Chase Bank changed their website and now you ca n't pay your monthly bill on-line unless you want to wait XXXX3 days or you have to give Chase your other bank 's account number and password you are paying from. No one should tell me I have to give them my bank 's login and password. My laptop went down a few weeks ago and I was using my desktop at my office when I called to find out what the problem was with accessing my account, the Chase rep put me through a battery of questions which were ridiculous in nature regarding payment ranges of loans I am on. Also, they had only my XXXX landlines ( work and home ) on my account and my old email account, so that I could not receive a text on my cell phone -- which is why I called to get a code via my new email. Complicated in each step and let me remind you, I was trying to pay them! I asked the rep if they had changed their site and wanted to make it more difficult for their customers? She said they had changed their site, but of course did n't answer the second part my questions. Last month, my husband could not access his Chase account and I went to a Chase branch in person, of course, they would n't talk to me without first calling him ( you have got to be kidding me ) to verify that I was okay with dealing with them. I am on the mortgage XXXX. I had to re-set my account and then when I got back to the office, my husband STILL could not get on with his username and password. Then the above happened this month when I went to make the mortgage payment again. I give up. I am going to just pay at the bank from now on or mail in. I think that they want you to be late. I think that they are too big for their own good and definitely too big for the public/consumer. In the past, when I talked to them about refinancing our home mortgage, I had XXXX bankers look down their noses at me and flat out refuse because we own a business and have stated income. Here 's the thing, we have an interest only home mortgage loan, which they love, and even though we are outstanding clients of theirs, pay our loan on time, pay our credit card on time and paid off to NEVER use again, have stellar credit scores, they could care less. We are tiny little insignificant peas in their pod. The day we sell our house, I will be so grateful to be out from under their thumb. Please consider the shenanigans that has gone on with Chase and now with their unreasonable personal requests and how it all negatively effects consumers.
I receive a large amount of cash as a loan from a company to do a loan consolidation. I went into that bank to pay off their loan and was advised that they would process my transaction as a cash advance. The transaction was initially declined due to the daily transaction limits. Immediately I received a call from Chase 's Fraud department ( XXXX ) asking if the transaction was something that I was doing. I explained the transaction and asked if I were to be charged any additional fees by processing this transaction and was told NO. They then increased my limit for this payment, and I paid off the loan at the other bank. Days later I received a {$560.00} fee. I called customer service ( XXXX ) and was advised that it was a bank error and that It was approved to be refunded, and the money would be in my account today. I began processing additional transactions later that night. I called today after seeing the funds were not in my account and was told the transaction was declined because it was n't a bank error. I called today to speak with a supervisor ( XXXX ) who was very unprofessional and confused about her processes or her job responsibilities. I then asked to speak with her supervisor ( XXXX ) who informed me that this would be declined, not understanding the seriousness of what transpired. This is going to cause my NSF charges, and without this money I will not be able to pay my rent and incur additional late fees etc because of that. I 'm a good customer and have never had an issue with the bank or any bank for that matter, and just want them to honor the information that I received and refund me ( immediately ) the money that they stole. I will be looking for a new bank immediately.
I am being harassed by Flagship Credit Acceptance. They call me non-stop even after I tell them I am not the person they are calling for. Every time they call they ask for a XXXX. This is not me and I have told them this several times and asked them to stop calling. They will not stop calling. 

I believe their operations are a scam. If you call the number the leave you can never talk to a live person. All they want on the phone system is to trick you into entering your SSN. The automated phone system ask two questions - your account number or SSN. I do n't have an account number b/c I have never done business with these people and I am not the person they keep asking for on their calls. No matter what options you pick you can not speak to a person.
RE : Account number CBCS - XXXX Dear CFPB, Please accept this letter as a formal complaint against XXXX Hospital and their 3rd party collection company, Called CBCS. Please know that I have attempted to straighten this out with XXXX Hospital and CBCS several times with no results. 

My complaint is as follows, In XXXX 2015, I made XXXX payments to XXXX Hospital as noted below. Proof of all payments is attached XXXX XXXX, 2015, made payment of XXXX. This electronic payment from my XXXX account was made too XXXX hospital, who transferred the money to CBCS. Payment was cashed on XXXX/XXXX/15 BUT NOT APPLIED TO MY ACCOUNT. 

XXXX XXXX, 2015, Payment of XXXX hard copy check # XXXX. This was cashed and applied to my CBCS account on XX/XX/2015 XXXX XXXX, 2015 Payment of XXXX hard copy check # XXXX, this was cashed and applied to my XXXX Account on XXXX/XXXX/15 XXXX XXXX, 2015, Electronic XXXX payment of XXXX was made to XXXX who transferred the money to CBCS. This payment was cashed and applied to my CBCS account on XXXX I have requested a statement from CBCS of my account and all transactions, they refuse to send it to me. 

I have filed a dispute with CBCS and their investigation deemed that they did post my payment to my account. However, my account balance is not showing that this was done. 

NOTE- This is the 2nd time in a year that XXXX and CBCS has lost my electronic H., XXXX payments. 

Please assist me in getting this matter resolved and my lost money found along with an apology from XXXX and CBCS. 

Respectfully XXXX XXXX
I have tried numerous times to have this matter resolve from the credit bureaus Experian and from the creditor XXXX and XXXX to no avail Ive spoken to many credit bureaus representatives and they have did an investigation to my concerns and the results are the same
I have never been able to get a copy of my free credit report. I have to either purchase some form of fake credit protection, WHICH IS A MAJOR LAUGH, or I have to tell Trans Union what is exactly on my credit report. XXXX is always down and not function. All I want to do is get my free credit reports which I am entitled to by law and I want the right to print out my credit report. 

IT IS DUE TO THE ACTIONS OF THE CEOS OF THE CREDIT REPORTING AGENCIES THAT ALLOWED THE BREACHES TO HAPPEN. WE THE VICTIMS SHOULD NOT HAVE TO CONSTANTLY PAY FOR WHEN THE CEOS PLAY. 

I absolutely refuse to provide a copy of my drivers license or social security card or some other form of identification to prove who I am. These credit reporting companies should be investigated under the RICO statute due to the roadblocks they put up to keep the consumers from cleaning up the credit reporting agencies mess they created. 

I am a victim of identity theft already, so what more damage can be done to my credit report if I do not provide proof of my identity. I should not have to tell Trans Union what the XXXX is on my credit report since I don't know what is on it. I will say this and stay by what I am about to say. ISIS HAS MORE CREDIBILITY THAN THE THREE BIG CREDIT REPORTING AGENCIES. 

Click on this link and see what me and millions of people have to go through with the Credit Reporting Agency scams. 

XXXX XXXX XXXX