WillisBack/dataset-financial-user-claim huggingface dataset:
CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, LOCAL AND STATE AND FEDERAL CONSUMER PROTECTION LAWS.
OPENED CARD I XXXX 2015 FOR FURNITURE. DID N'T GET FURNITURE FOR MONTHS. WHEN WE FINALLY GOT FURNITURE, IT WAS ALL BROKEN. DISPUTED CREDIT CARD AND WAS TOLD NO REPORTING DURNING DISPUTE. NOT ONLY DID THE HOME DESIGN COMPANY NOT STAND BEHIND US AS THE FURNITURE IS STILL NOT REPLACED OR REPAIRED. THEY REPORTED US 90 DAYS LATE. CREDIT REPORT SHOWS NO LATES EXCEPT A 90 DAY. YOU WOULD HAVE TO BE 30 THEN 60 THEN 90. WE WERE NEVER LATE AND FINALLY PAID CARD OFF. STILL HAVE BROKEN FURNITURE THAT WAS NOT REPLACED OR FIXED. HOME DESIGN COMPANY SHOULD HAVE STOOD BEHIND US. WE HAVE SENT LETTERS AND PICTURES AND THE NAME OF THE COMAPNY THAT CAME OUT 8  MONTHS AFTER WE GOT FURNITURE TO LOOK AT REPAIR. THEY STATED IT COULD NOT BE FIXED AND HAD TO BE REPLACED. FURNITURE STORE WILL NOT REPLY AND HOME DESIGN COMPANY WILL NOT HOLD BACK THE MONEY AS THEY SHOULD HAVE! 

STAY AWAY FROM ONE STOP BEDROOMS AND HOME DESIGN SYN FURNITURE CREDIT CARD
On XX/XX/18 I went to seek purchasing another vehicle. I already had a pre-approval from XXXX XXXX that I wanted to use for financing with the printed out confirmation number. I informed the salesman ( XXXX ) when he went back to his finance rep 's office ( XXXX or XXXX was his name ) that I did not want my credit ran through different banks and that was the reason for me trying to finance through XXXX XXXX. Later that night when was home I started receiving XXXX XXXX emails informing me of inquires ran on my credit through XXXX and XXXX. I did not give them permission to do this and when I informed the salesman of this they should have asked my permission first. I called them on XX/XX/18 and was told that they can't do anything about removing them now. That's unacceptable and very unprofessional. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX
to whom it may concern : I got a line of credit loan from Wells Fargo. I was paying prime plus XXXX for several years. All of a sudden the jumped up to prime plus 8 % for no reason. I need help with this. I do not feel this is fair. I called to see if they disclosed to me the min and max amount. They said they do not provide anything in writing. They only do this verbally. 

XXXX XXXX XXXX XXXX XXXX
I never pay any bill to this account because it fraudulent, i alway pay my debit on time my car, my credit card, my car insuranse usually 5 to 10 days early, y never want to pay any fraudulent account i prefer not having credit in my life remember me in my life pay this account
I had two line of credits, its showing as a hard inquiries. I got the credits lines to build my credit but somebody told me I didn't need to have two credit lines to build my credit so I closed them out. I never even used the lines of credits. now I'm stuck with a hard inquire that wont seem to go away and its been almost 3 years now. i was young and trying to build credit but in the long process it hurt me because I closed them out.
Contacted AR Resources to settle debt. Was told if I pay the {$2500.00} debt they would delete all accounts from my credit report. Called back to ask when they would be sending the letter to the credit bureaus, I was told that in order to get it deleted I would have to pay {$1300.00} after I just paid {$2500.00} on XXXX XXXX, 2017. Called back to get a itemized statement of all the medical collections on XXXX XXXX, 2017 and they told me I now owe {$1900.00}. There are XXXX accounts that I paid and they are giving me a different amount every time I call. I would just like to get these deleted from my credit report.
I was granted guardianship of an incompetent individual on XX/XX/XXXX. In late XXXX, I was granted payee for the same person. I am trying to open a joint checking account, as instructed by SS, and PNC keeps giving me the runaround as to why I ca n't!! I have been to probate three times, SS once and I have all the documentation that is legally required to open and account and pay this man 's monthly bills.
I called ERC to get more information about a debt that is not mines. I explained to the company that I do not recall ever having this debt. I asked them for more information about the debt and they explained to me that if i did not recall ever seeing this debt then they would not send me information pertaining to the debt and I needed to file a police report.
I closed my checking account on XX/XX/XXXX with a balance of {$530.00}. A check was suppose to be issued to my address. After a month 's time nothing arrived. I called telephone banking at XXXX on XX/XX/XXXX where the agent said another check would be issued. Nothing arrived again. 

On XX/XX/XXXX I visited the branch at XXXX XXXX, New York and spoke to a banker who reach out to branch support for help. I believe Branch support 's agent name was XXXX. He said they were unable to help and connected us to telephone banking. After one hour on the phone with telephone banking they were unable to locate the two checks that were sent out and asked us to check with branch support again. The telephone banker 's name was XXXX XXXX ( XXXX ). He checked with a supervisor who was unable to help or offer a resolution. 

Nobody at Chase is able to resolve this situation. I've sent a total of 3 hours trying to resolve it on my end. They are holding my money with no clear path on how to get it back. I'm hoping CFPB can help.
I recently refinanced my mortgage with Chase. This took about four months. The process included many egregious mistakes on Chase 's part. I spent over two weeks dealing with a loan processor who could n't understand that she was looking at someone else 's file. They dragged out the process with numerous mistakes and miscommunications. This forced an extension of my rate lock ( which I warned them was going to happen ). Dealing with the underwriting department was a nightmare of incompetence and passive aggression. At the closing they insisted that I pay them {$3500.00} to extend the rate lock after earlier acknowledging that this extension was their fault. In addition, the attorney representing chase - XXXX XXXX - told me over three times that my first payment would be due on XX/XX/XXXX. At the closing this was completely revoked.
I have had a credit card account submitted to credit reporting agency Equifax by XXXX XXXX. I have been trying to clean up my credit and report and stirred up XXXX they called me trying to collect on a debt ... when I told them I did not have a way to pay them any money due to no work and being diagnosed with XXXX and XXXX the lady hung up on me then when I looked at my credit report that same day information was very confusing to say the least ... .the account was removed, then it is n't, then im nearing credit limit and then I am XXXX % utilization which would mean I 'm over drawn, then the account is open, then its closed ... how can this be a good practice ... .I am very confused as to why they can play around with information in this way. To say the least the lady who called me was very rude.
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}
Looking at an online report number XXXX dated XXXX/XXXX/17 on the Experian website, they are reporting a duplicate collection account with XXXX different collection agencies. Experian is the only credit reporting agency reporting this in this manner. The account is already being reported under XXXX XXXX, however, Experian is reporting it also under XXXX with the same duplicate information.
Capital One has not provided requested info which includes their PHYSICAL mailing address for notice of small claim suit as well as name and number of their legal council. I've requested this information numerous times via complaints to CFPB, a XXXX XXXX replies with a web site address, does not provide PHYSICAL address or name and number of their legal council. The small claim suit is regarding a stop payment on a close out check in error on end of Capital One, reissued and intercepted by a third party, cashed fraudulently in my name. Capital One has my signature on file and is well aware the signature on check is not mine, insists the person whom cashed check lives at my address and is related, does not have proof funds were received by myself, which they were not. The total amount involved is XXXX, XXXX XXXX refuses to do anything further, thus need for small claim suit. In her last reply to CFPB, she stated she will not keep replying but refuses to provide a physical mailing address ... She provides her number in correspondences but does not return calls, a total of seven ( 7 )  messages left, none returned..The CFPB might be able to step in this matter to assist in resolution ...
In  XXXX , I noticed there were many accounts listed on my credit report that did not belong to me. I tried correcting this in  XXXX . Again I checked in  XXXX  and it was still incorrect. I filed another dispute then. Checked again  XXXX   XXXX ,  XXXX  and the information is still incorrect! I filed a dispute for th e 3rd ti me and the results came back incorrect again. They are mixing up my information with another person 's because we have similar names, live in the same state, and have similar Social Security numbers. They have never fixed the problem and I do n't know what else to do.
Received in the mail Trial Modification Plan from Select Port Folio and the 1st payment is due XX/XX/XXXX. Also received a property foreclosure sale letter form Select Port Folio stating there is a property foreclosure sale set for XX/XX/XXXX for my home. 
I just received the modification papers and I'm concerned my house will be sold even though I've received the modification documents with a mortgage payment.
loan XXXX, loan serviced by Ocwen ; Ocwen will not admit that their creation called Shared Appreciation Mod is dead and cancelled. Signatures are not real by either party. 
Ocwen keeping the mod alive in order to keep the payments made. A new loan mod requested has been submitted.
To whom it may concern : I have been a loyal American Express card member for many years, and reach out to you in regards to the current XXXX offer to save 10 % up to {$100.00}. 

This offer was saved to many of my cards. 

I spent {$1000.00} on multiple cards, and received the {$100.00} statement credit on each card. 

I subsequently spent {$1000.00} on more of my cards and again received the {$100.00} statement credit for each card. 

There was a technical glitch with a few of my SPG cards, where the system didn't recognize the charges hence the credits didnt post. 

I called in to speak with the American Express online Technical Department, and was told by a representative that " all '' the cards were in fact eligible for the credit, and that he will manually credit me for all cards that didnt post the credit on their own. 

Attached is the email received on XX/XX/XXXX asserting the offer is limited to {$100.00} total per card member, and anything above that will be charged back. 

I have also attached images where it can be seen all the credit reversals on my account. 

If American Express considers each card a separate product membership as it pertains to annual fees, it must also consider each card as a separate entity eligible for the offer. 

In question. The fact that all the cards were initially credited, clearly indicated that American Express concurred with the above noted contention. 

They have clawed back thousands of dollars in credits leaving me with massive bills to pay that have never existed before. 

I trust you will do whats right on my behalf and bring this matter to an amicable resolution. 

Respectfully, XXXX XXXX
I applied for a refinance loan to 1 ) reduce my interest rate and 2 ) to get some cash for home improvement. I was told by XXXX XXXX that I could skip 2 payments reduce my interest rate and get the escrow on the old # XXXX in the amount of apx {$4800.00} dollars. Half way through the process a Senior Sales Manager named XXXX XXXX told me there was an issue ( XXXX/XXXX/2016 XXXX EST ). The title company said there was a shortage of apx. {$1600.00} and I would have to send them this money to continue. I was furious, the next, the next day he took care of it saying " We are good. I took care of it for you. It was n't your problem and is was n't right for you to pay for it. '' However in the end NLC paid the title money out of my escrow and added the remainder to my current loan # XXXX. NLC lied to me and miss represented themselves to me about the title company shortage. In the end I have had to pay for XXXX for my wife and I just had a XXXX also unexpected. Please help as I also have all the emails back and forth from XXXX XXXX and XXXX XXXX. PLEASE note half way down the " XXXX '' document you will see XXXX XXXX assures me of the financial outcomes. The " Issue '' document shows the Title company shortage issue.
There were fraudulent transactions that occurred to my bank account. I left my belongings on XX/XX/2017 and my routing number and account number information was stolen. I reported this to A lot of agencies but noticed {$340.00} negative balance to my account. I called WELLS FARGO TO MAKE THEM AWARE I DID NOT MAKING THIS TRANSACTIONS. I asked them to put my account back to good standing. As I do NOT owe my bank. I received many letters dated XX/XX/2017 via mail from wells fargo claims department regarding a STOP PAYMENT has been placed..but no resolution to my concern that my routing and account number has been compromised by a identity thief. I am asking wells fargo to get my account back to zero balance..not a NEGATIVE BALANCE OWED OF {$340.00}
Good morning, I qualified for a home modification with SPS. I made my payments according to SPS 's instructions. They gave me the principal reduction of {$76000.00}. Then they stole the money back by withdrawing the same amount, {$76000.00}, from my account. Then they lied by saying they were taking the money out for a government program. 

Now I read that SPS was given a $ XXXX Bailout on XX/XX/2009 as an Incentive Payments for Home Loan Modification. ( XXXX ). I am told they never paid that back and are not expected to pay that back. 

So, my question is, if they received $ XXXX for loan modifications but they are stealing the modification back from the homeowner and then lying to the homeowner in the name of a government program, why is the government allowing this? It seems like SPS is stealing XXXX from the taxpayers and then stealing {$76000.00} from the homeowner in the name of a government program. This is illegal, right? 

Thank you for clarifying this publicly. 

XXXX
On XXXX XXXX, 2016 I applied and received a payday loan from Ace Cash Express ( # XXXX - XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) in the amount of {$1400.00}. On XXXX XXXX, 2016, I realized that I missed my due date ( XXXX XXXX, 2016 ) which coincides with my payday. I called early in the morning from work on XXXX XXXX to let them know I would be stopping by after work. On XXXX XXXX, XXXX, I renewed the loan amount of {$1400.00} by paying the fees and interest in the amount of {$290.00}. Upon leaving, I assumed my due date would be on my next payday ( XXXX XXXX, 2016 ) as I had been accustomed to. Although I did receive a copy of an agreement for the loan ( which is not an original copy of the signed agreement since the originals bear my signature and the copies they gave me do not ) the information/details were not communicated verbally. On around XXXX XXXX, 2016 I went to the store and spoke to XXXX that I had found my agreement of XXXX XXXX, 2016 and pointed out that the due date was not until XXXX XXXX, 2016. She was unable to help and stated she would let the manager know. I spoke to the store manager XXXX several times and she stated she " could n't do anything '' about it. She suggested that I try their customer service number. I called customer service twice, on XXXX XXXX at XXXX and on XXXX XXXX at XXXX ( reference # XXXX ). Both times I was told that this would be escalated to the DM and RVP and that they would be contacting me within 24-48 hours. I was not contacted within the time I was told nor by the DM or RVP. The only person to contact me was the store manager XXXX stating that the DM had said they called me several times and that basically they could n't do anything about it. On XXXX XXXX, 2016, I went in to make the full payment, but XXXX asked if I could wait until XXXX XXXX to see if I would get a phone call from the DM. On XXXX XXXX I went and made the full payment. Later that afternoon when I was on a third call with customer service, the DM XXXX calls me. We spoke for 23 minutes. After explaining and expressing my concern, he seemed to understand and agree that it was unfair that I ended up paying double the fees and interest on the same loan within the same period of time. He said he could not promise anything but regardless of the answer he would call me on Tuesday, XXXX XXXX, 2016. I called XXXX on Tuesday at XXXX and left him a message reminding him that he stated that he would call. XXXX did not call. The main issue is that within the period of XXXX XXXX, 2016 - XXXX XXXX, 2016 I ended up paying twice the fees and interest on the same loan when I should have been allowed to NOT renew the agreement on XXXX XXXX, 2016. Instead it was deceitfully extended and the company ended up double dipping into the fees for the same time period. The manager XXXX clearly stated that it was a business process to tell and verify with the customer the due date more specifically if they were early. XXXX even agreed that it did n't make since that I would have extended the loan 3 weeks early.
IM sick and tired of trying to get a credit report that has everything on it. not like some of the services they sell. i want to pay {$12.00} for my credit report, but they cant verify my info. they say i have to mail them all kinds of proof of ID. YET I CAN SIGN UP FOR XXXX OF THEIR MONTHLY FEE BASED CREDIT MONITORING NO PROBLEM. NO MAIL. .JUST GIVE US YOUR CC # AND YOU 'VE GOT OUR CREDIT WATCH FOR {$20.00} A MONTH.. THIS SHOULD BE ILLEGAL. THEY REFUSE YOU YOUR REAL REPORT BUT OK YOU FOR THEIR MONTHLY SERVICES WITH CREDIT REPORT AND CREDIT SCORES. THESE ARE THE SAME PEOPLE WHO CONTROL OUR CREDIT AND LIVES. THEY CONTROL OUR CREDIT AND THEN ARE ALLOWED TO MAKE PROFIT ON THE SIDE. THAT SEEMS LIKE A CONFLICT OF INTEREST TO ME. COULDNT THEY BLACKLIST ME FOR COMPLAINING OR NOT LOOK AT MY DISPUTES OR ANYTHING. AND XXXX PROBABLY RECEIVE BACKLASH OR PAYBACK FROM THEM, BECAUSE THEY 'RE ABOVE THE LAW. THE GOV NEVER DOES A THING IVE MADE COMPLAINTS BEFORE, WHOSE LOOKING OUT FOR THE CONSUMER. GOOD OLE XXXX THE PEOPLE IN FAVOR OF CORPORATIONS. AND IM A XXXX. YOU CANT DISPUTE ITEMS FROM THEIR MONTHLY SERVICE. 

LET ME SAY AGAIN,,,,,, I CAN GET MY CREDIT REPORT FROM ALL XXXX AGENCIES WITH THEIR DIFFERENT PAID SERVICES RIGHT NOW AT {$60.00} A MONTH. BUT I CAN NOT GET MY REAL ONE BECAUSE THEIR CONCERNED ABOUT MY ID OR FRAUD. CAN ONLY GET THROUGH THE MAIL. BUT WHEN YOU PAY YOU CAN HAVE YOUR REPORT IN XXXX MIN. BUT YOU HAVE TO HAVE THE REAL XXXX TO DISPUTE. I DONT HAVE TIME TO MAIL THAT XXXX. IM XXXX AND DONT GET OUTSIDE MUCH. THANK YOU
According to the statute of limitations in Maryland this account should not show on my credit at all. 3 years has past And the account and balance should be removed.
Paul Michael Marketing Inc reports XXXX about a charge of {$120.00} which is n't mine.I have disputed this charge with XXXX two months ago and the dispute was in my favor and XXXX has taken that information of my credit report. 
I want Paul Michael Marketing Inc to stop reporting this charge to XXXX as its not my charge and they do not even have my social security number on file to claim it 's my charge.
Company contacted me on a medical debt. I advised that it had surpassed it statute of limitations and I do not owe the money for several reasons. Caller said " we are reporting this to your credit bureaus and this will effect your credit ''
I had a XXXX XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.
I was hurt and could not work. I needed XXXX operations. My wife and I went to Wells Fargo bank in XXXX VA to do some business and the lady manager talked me into getting a credit card. She said we would need it because I was going to be on XXXX. She talked me into it finally, but my wife and I both told her not to put my wife on the card as an owner. The lady manager did put her on the card without our consent. She knew she could n't get me approved so she put my wife as the primary card holder. My wife is XXXX XXXX XXXX. We are very upset about that, but we did n't know she did it until way later. I used the card to supplement my income which was a big mistake. I could n't pay it back so I tried to settle with them two times. I am now off XXXX and working again, so I am going to be able to catch up on my debt in a year or two I hope. We were already crushed by my injury and all the bills I got behind on, but the Wells Fargo credit card is not right. My wife 's credit is shot because of it. She was not to blame for any of that and she should not have it on her credit. I am the only one to blame for not paying it back, but Wells Fargo Bank tricked us into it without our consent for XXXX to be the primary card holder.