WillisBack/dataset-financial-user-claim huggingface dataset:
In 2015 a " flex loan '' was taken out in my name. I did not do this. My mother did, she was able to because the person working at the advance financial location, on XXXX XXXX, in XXXX Tennessee was buying XXXX XXXX from my mother and did this as a favor. This loan was put in my name and I was not even present. I attempted to pay this off instead of just pressing charges. I made 8 months worth of payments and the balance due actually increased. I called the 24 hour number and was advised, by a supervisor, that when the flex loans first came out no one was properly trained. So the only way to pay the " flex loan '' off without paying a 300 % interest was to pay it all at once. I had been making the minimum payments ( XXXX biweekly ) and nothing was bringing the balance down. I was told that since this was fraud, and the individual who processed the loan was fired for not verifying people 's identities prior to approving loans, that I did not owe any more money. Fast forward to today, 2 years later, and I get an advertisement from some random attorney that advance financial has a pending lawsuit against me for the amount due. I did n't take this loan out, and I was n't there when it happened. I saw no money from this loan, it was done fraudulently. Advance financial was aware of this because they terminated the person doing it. I 've not heard from this company in over two years and today I find this out by way of an advertisement. This should be illegal. I called advance financial and the guy could n't tell me a thing because there was no information on any loan for me. I was given a number to call in XXXX, TN which is 2 hours away. The local store denied knowing anything because it 's been so long, and now I may be stuck paying something I did n't do, as an unemployed mother to XXXX XXXX XXXX children.
When I first Acquired my private loans from XXXX XXXX I had a fixed interest rate of 4.25 % recently within the last year Navient has rased my student loan fixed rate to 6.5 % with no notification or reasoning, making it impossible to pay off my loans
I borrowed XXXX and Ive paid XXXX via ACH debit from my account. I called them to check the back since I had maybe XXXX or XXXX more payments and they told me the interest of XXXX or more. I have already paid this company their money and now I am receiving emails aboou a balance which is interest. I was not informed XXXX XXXX interest rate on the loan and not XXXX in interest. I was unable to view the truth in lending until after i agreed to the loan and I believe that this company is practicing bad business and unethical practices online.
To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from XXXX XXXX XXXX dated XX/XX/18 saying there is a charge for missing key when I never received any letter. 
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with XXXX XXXX I went  personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager. 

Also I contacted XXXX XXXX dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person. 
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with XXXX XXXX or XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable. 
I am very concern about any negative mark on my personal credit report. 
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks
Regarding XXXX XXXX:

On XX/XX/2018, I used my card at XXXX.  This was the last time I used the debit card prior to it getting stolen.

On XX/XX/2018, my debit card was stolen, most likely while I was at the gym because that is the last time I saw it.

On XX/XX/2018, I realized my debit card was stolen when I wanted to use it.

On XX/XX/2018, I called XXXX XXXX (which is serviced by XXXX XXXX) to report my debit card stolen.  This was within 48 hours of the card being stolen.  There was a total of $XXXX that was charged to my debit card by someone else.

On XX/XX/2018, I received a provisional credit while the investigation was going on.

On XX/XX/2018, a letter was sent from XXXX XXXX (XXXX XXXX) stating that they found a conflict of information provided by me and the information resulting from their research.  The $XXXX  was debited from my account.

On XX/XX/2018, when I received the letter, I called to request a copy of the documents used in making this determination and to ask specifically what was the conflicting information.  The representative said he could not provide a copy of the documents.  He stated that notes show that the card was lost on XX/XX/2018.  These notes are inaccurate.  I never reported that the card was lost on XX/XX/2018.  I shared that the last time I used the card was on XX/XX/2018, but I had the card with me until XX/XX/2018.

XXXX XXXX has based their investigation on inaccurate information and has not provided me with copies of the documents in which they relied on making a determination.  I am requesting that the fraud investigation be reopened and a determination be made based on accurate information.  My debit was stolen on XX/XX/2018 and I reported it stolen within 48 hours, once I realized it was stolen.

I do not believe that XXXX XXXX is following rules that protect consumers and treat them fairly.  I am requesting intervention from the CFPB.

Thanks,
XXXX
Franklin Collections i n  XXXX   MS..  XXXX   hospital     {$210.00} ... informed her that I could n't pay until later thus month and she told me that they needed a payment this week, that they could n't hold it any longer. Then she asked me for my address. So I hung up. Next representative was rude as well and hung up on me.
Equifax will not provide my annual Credit report online, after several requests. All information was accurately answered to identify myself.
I had a mortgage with Chase that I wanted to refinance. After locking rate and agreeing to proceed with Chase for the refinance, I was asked to complete forms multiple times. I was asked to verify the same information over and over again. I was asked to explain line items on my paycheck multiple times. Notably, my paycheck is military so should be easy to read or understand as all information is public record and easily found online, OR via the Chase department that deals with military and veterans. I was not provided information that I requested. I was not called back though I requested a call back repeatedly. Customer service ( resolutions ) contacted me several times, but they never seemed to know what was actually going on with the mortgage process, and often had incorrect information. I have participated in  XXXX  mortgages, either new or refinance, in my lifetime. I know what to expect. This process has been so painful. I can not get anyone at Chase to give me a date for closing even though they say they have all the info now. My banker is filing for an extension ( has been 60 days now ) and says they will have to verify my employment AGAIN ( this will be the 3rd time ). I have stable employment  (  XXXX   XXXX    XXXX    XXXX  in the  XXXX  ), a  credit score th at hovers around  XXXX , and most importantly, I have a history of business with Chase as this is a REFINANCE. I have had a Chase mortgage since    2003.  There is no reason this process should have been so awful for a simple refinance. I would like to walk away and chose another bank but at this point I have HOURS if not DAYS of my time invested. I feel like a hostage to Chase bank.
made a purchase from XXXX and paid via paypal. turned out XXXX had charged me the full amount for a new ticket, same date, same flight, same plane, instead of adding luggage to an existing ticket. now i am double booked. when i realized what had happened i called paypal immediately and they would not help. XXXX said no refund for a promo fare flight, regardless of the circumstances and that it is a double book.
I was denied a home mortgage loan for an invalid reason and even after the fact received a Truth-In-Lending Addendum document that has the terms and condition of the loan which took 6 months of my time and XXXX credit pulls.
Capio Partners have reported a {$760.00} debt on my credit report. 

I am disputing this debt of {$760.00}, because it has never belonged to me ever! 

Capio Partners have been uncooperative in resolving this debt which has never belonged to me. 

This debt of {$760.00} is not mine and I demand a copy of my signature of the hospital admissions paperwork. 

My personal information was used with out my permission and with out my knowledge.
My client has a collections on his credit report from XXXX XXXX XXXX, which has recently been charged by the Federal Trade Commission of pedaling worthless high school diplomas. XXXX. I do not believe he should have to pay this organization, yet his credit is being spoiled. Please advise regarding how we can have the collections information removed from his credit report
I received an alert that my credit report had changed in XXXX. I found that XXXX XXXX XXXX reported a delinquent account with Experian. I contacted XXXX XXXX  XXXX and they agreed that I had never ever had an account with them. I then reported this to Experian and disputed the account and charge. Two days ago I received the report of their investigation and it said that nothing changed due to the company reporting things correctly. This is totally false and I 'm not sure they even talked to anyone from XXXX XXXX XXXXXXXX because I have talked to three people and none of them were able to find an account with my name and numbers on it.
I had a mortgage with Residential Credit Services, the loan was forclosed in XXXX 2010. The home was vacated and returned to the bank. Since that time, I have submitted more than 5 requests to correct the credit file report to XXXX. RCS will not update the account status and continues to show the account as open with a balance owing of {$110000.00}. The same report to XXXX indicates a closed account with a XXXX balance owing ...
I had a HELOC with PNC Bank that was nearing the end of the drawdown period. It was interest only repayment loan. In XXXX, I asked loan officer XXXX XXXX to extend the drawdown period with same interest only payment. After not hearing back for 10 days, I went to the branch and found he was no longer employed. I asked for all my documents back, and they could not be found. Which is pretty concerning. I was contacted the next day by the manager, and found my request was sent to another LO XXXX XXXX. He never spoke to me or asked what I was looking to do ; only emailed me more requests for documents. Then in XXXX I found out my HELOC was refinanced into an interest and principal repayment loan. Not what I requested. I spoke with XXXX XXXX and XXXX XXXX, who are in the PNC Executive Client Relations Dept. I explained how my case was mishandled ; from losing all my documents, to no communication with the Loan Officer, to refinancing my loan into terms I did not request, and was told there is nothing they can do other than I try and refinance again. I am currently going through the process again.
I owe an apartment complex for breaking the lease early along with some fees. Original debt was around {$5000.00}. This debt collectors has added about {$3000.00} in interest when I dont have a contract with them. Because at one point I tried to work with them they have given up looking for the co-debtor and have now started garnishing my wages for this ridiculous amount and not making the co-debtor pay anything.
I had a loan on my house. It was supposed to be paid off by XXXX, XXXX. Ditech bought my loan. I noticed that the escrow account was high. They say that they sent me a letter stating that it was in default by XX/XX/XXXX, but I didn't see the letter. I kept going on the website and paying them. Today, XX/XX/XXXX I was contacted by them, and they stated that they were putting me into default on XX/XX/XXXX. They refused to take the final payment on the house, which is XXXX. They said they wanted XXXX by next week. I begged them to let me continue paying on the escrow, and they said no. I spent a long period of time on the phone with XXXX, and she kept getting off to talk with someone else. I bought the house in XXXX, and it was paid off in 24 years. the house was paid off on time ; they NEVER asked me to increase the amount of payment on the escrow, and now they're tacking on late fees. I always answer the phone, and I was on the website repetitively. I would have been glad to remedy this : now they're going to ruin my credit. I think they are pursuing predatory lending policies and I want someone to help me. I do not have enough time to get the loan for the escrow amount before the principle which they refuse to let me pay off goes into default.
please see complaint XXXX. Midland funding attached a fraudulent certificate of summons. the summons shows that they swore under oath to serve a XXXX XXXX XXXX XXXX woman XXXX in height. I am almost XXXX XXXX XXXX and nearly XXXX '' furthermore no one lived at my previous address but myself and my now XXXX XXXX XXXX son, they have lied under oath in order to get a default judgement. in a previous complaint they indicated that this is for a XXXX credit card yet in a XXXX response they submitted false docs showing compute equipment. they have yet to verify the other midland funding account yet it has been reported on my credit report for years
EQUIFAX lists the following address:XXXX , TX XXXXThis has never been my address and I have never used this address. 
My XXXX credit card was hacked in XXXX, 2015, and I believe this address was reported at that time.
This debt is a result of identity theft. It is from Midland Funding LLC. They state that I owe them {$3300.00}. I do n't.
I have been an American Express customer for more than 30 years. During that time I accumulated nearly XXXX Membership Rewards points. I have been working outside the United States for the past year and did not have an opportunity to use my American Express platinum card. When I recently checked my American Express account online, I discovered that my account had been cancelled " due to inactivity '' and ALL my Membership Rewards points had been rescinded. I called and wrote to American Express on several different occasions in the hopes of reinstating my account and recovering my Membership Rewards points, but all my efforts have been unsuccessful.
I have asked via certified letter to validate accounts with XXXX, XXXX and XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.
I have tried several times to talk with American Adjustment Bureau about charges from XXXX Hospital. These are NOT my debts. Now I looked at my credit reports and see I have charges from XXXX XXXX Hospital too. These are NOT my debts. These belong to a person with the same name as me. They removed them from my credit report but they have reappeared. I do NOT no what else to do. XXXX Hospital and XXXX XXXX, anything to do with XXXX XXXX are not MY debts. I want them removed from all 3 of my credit reports. I am going to continue my search on where to report this company.
I was in the process of purchasing a home and had some issues negotiating down my interest rate. The lender was dragging his feet on locking in my rate. That should have been the first sign of trouble, however we tried to stay on top it. When we were given the final numbers, we did not accept the interest rate at the time because it had jumped to a 4.25 We were initially working with the 3.625 rate. The lender tried to give us some excuse that it was out of his control. So we told him that we would like to decline, we would not be able to afford the new payment of XXXX with the rate he tried to give us. He asked us to wait so that he could " work some magic '' with the numbers. He finally said i did it, i got you a 3.625 and your new payment is XXXX. We were a few days from closing, I had already paid a deposit that I would surely be losing, and we had only limited time to close escrow, and fund the loan. The last week of the loan process was hectic and me missed some very important information. After we closed, about 10 to 11 months into my loan i started receiving letters from the mortgage company that my escrow account was short and that i would be responsible for paying back some funds. My new payment would now go up to XXXX and i also need to pay about XXXX in property taxes. I immediately sought out another lender, i was able to streamline my loan with an even lower interest rate and really concentrate on making sure my escrow account was done properly. We discovered that the " magic '' that XXXX XXXX with New American Funding worked, was only allowing XXXX every month towards our escrow account. Our initial paperwork with the title company showed an estimate of XXXX towards taxes, XXXX towards insurance, and XXXX towards PMI. How they were able to manipulate the numbers after closing is why I am reporting this. After we moved our loan, two days before closing New American Funding asked for a pre pay penalty that they revised from the initial payout numbers they gave. They wanted even more money from me before they would release the lien on my property. We had called customer service several times to resolve this however, this seems to be a standard operating procedure for New American Funding. I feel that we were victims of predatory lending and loan fraud. I thought the mortgage laws were stricter and helped to prevent things like this from happening. Our city was involved in one of the nations most horrific mortgage fraud cases with XXXX XXXX, so i assumed all real estate agents in XXXX California would cross there t and dot there i 's. I would like to have my initial paperwork audited and I believe there are more victims out there who have also been subjected to predatory lending and loan fraud by New American Funding. I also want this pre pay penalty to be refunded.
The above dispute # is for an incorrect name, XXXX. They still had only my married name & i have been divorced for over XXXX & legally reverted to my maiden name in the divorce decree. I tried to correct online & had trouble signing in since the security questions had nothing to do with me. I called & tried to explain the name change, thought all was settled, Found out that a few days later that instead a Fraud Alert was placed on my account. I called again & tried to have it removed. Also, called XXXX & XXXX since I got a notice from XXXX that a Fraud Alert had been placed. I have since called & finally was able to get someone that immediately updated my name after pulling copies of my drivers license & SS card that I had sent earlier in the dispute. But I have been unable to get the fraud alert lifted, I applied for a credit card & had to send copies of my DL, SS & Bank statement to prove it was me applying. I do n't plan on any applications in the near future but would like to have this Fraud Alert removed since I never requested it. Thank you for your anticipated help.
On XXXX XXXX, I sent a letter to Equifax, asking them to investigate errors on my credit report. I am going to attach a copy of the letter I sent them. Three months have passed, and they have yet to send me the results of my investigation. They are supposed to respond within one month. I have sent several follow-up letters, but Equifax simply will not respond.
The Debt does not belong to the PERSON SUBMITTING THIS COMPLAINT and corrections have been made with the IRS. 

The following requests have been made to Bank of America, N.A. 

1. To provide Form XXXX and Form XXXX in regard to letter dated XX/XX/2018. 10 days were given to finalize this request. I need these forms to file Taxes. 

2. Requested ( repeatedly ) to have communication be in writing ONLY, yet they keep calling from number XXXX and I think XXXX also belongs to them. 

Currently awaiting their written response. Thank You.
To Whom it  May C oncern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.        XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   All B anks  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX  General Clothing Stores   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   TBA Stores ,  Tire Dealers    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg.  Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg. Agencies    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX   SOC SE C  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Trying to u se s se rvice the bank has not responded to the request it 's been almost a week
On XX/XX/XXXX, I filed a report with the XXXX Police Report that my drivers license and social security had been lost in between XX/XX/XXXX at a house I rented that non of the XXXX XXXX XXXX accounts were mine including satellites tv, internet and landline phone. 


I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX threatened to sue them and with their fraud division at below address on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX They sent me a letter of apology for the inconvenience stating that the accounts had been removed, no impact on credit and to keep open to their services should an opportunity arise. 

Here we go again after more than two years. There should be a class action suit against XXXX XXXX XXXX and their collection agencies who they sell their accounts that were already removed and communicated to the victims.
CITI CREDIT CARD charged an erroneous late fee of {$25.00} to my account that is always paid off to 0 each month. This was due to an error caused by the CITI Online web site. Talked to the Customer Service and the Supervisor whom would not give a credit back and stated they NEVER do under any circumstances as other ethical companies do such as XXXX or XXXX. DO NOT USE CITI I cancelled this account in disgust.
in XX/XX/XXXX i wrote to all three credit burueas and explained that national credit systems was responsible to report 100 % accuatre information to the credit aggancys and the did not so XXXX removed it XXXX  and XXXX   have not so i sent and email to XXXX XXXX XXXX to see if they would remove the inaccurate amount i was told they had 30 days but it is well over the 30 days account number XXXX and i did not have a written contract with this company