WillisBack/dataset-financial-user-claim huggingface dataset:
I went to a seminar on XX/XX/2015 called " XXXX XXXX XXXX XXXX '' by XXXX XXXX XXXX right after graduating high school. Being young and XXXX, this company suckered me into signing something that I regretted immediately after. Almost everyone in the room signed up for the program and they were mean to anyone who didn't sign up so everyone felt pressured to pay. This seminar was full of unethical persuasion tactics telling customers that if they sign up for the program, they will soon become millionaires. 

I knew that I didn't have the money to pay for this program and I tried to leave but they would not let people leave until the seminar was over and everyone talked to a representative. 

For the people such as myself that did not have any money, they made us call our credit card companies and try to increase our limits to buy their program and I didn't even know what that meant at the time. 

There are numerous reports online about how this company has aggressively pushed people into buying their products and using cult-like tactics to persuade young kids to sign up for their programs. 

I would like this removed from my credit. I am a responsible citizen and won't let something like this happen again. I learned my lesson to not let people force me into signing up for something when I am not comfortable. 

Complaints from other unhappy customers : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
I refinanced my student loans through Citizens Bank. When I refinanced, Citizens Bank had a promotion where they offered a {$1000.00} XXXX gift card to anyone who refinanced at least {$50000.00} between XX/XX/XXXX, XXXX and XX/XX/XXXX. According to the offer document, the gift card was to be " delivered to the borrower via email within 60 days of the loan disbursement date. '' ( see attached promotion offer document ) My refinancing note was executed on XX/XX/XXXX ( see attached statement reflecting date of note execution ), and the loan was disbursed on XX/XX/XXXX ( see attached statement reflecting disbursement date ). The note was for more than {$50000.00} ( see attached promissory note ). I am therefore eligible for the promotion, as Citizens Bank has admitted. Despite being eligible, I did not receive the gift card within the required 60 days -- which was XX/XX/XXXX. I called Citizens Bank ( several times ), and spoke to XXXX from the Priority Assistance team ( phone : XXXX ) and she confirmed that I am eligible for the promotion, but because my application was not initially flagged as eligible ( an error on Citizen Bank 's part ), they would not send me the gift card until 60 days after they corrected their error -- meaning until early XXXX -- approximately 4 months after disbursement. 

I explained to XXXX that Citizens Bank was in violation of the terms of the promotion, which required the gift card to be delivered within 60 days of disbursement, but I was told nothing could be done to expedite the process. I asked for the issue to be elevated to higher management but was told nothing could be done. I explained that I planned to file a complaint with the CFPB. 

The {$1000.00} gift card was the primary reason I decided to refinance my student loans with Citizens Bank. I would not have refinanced with Citizens Bank if I had known there would be a four-month delay in receiving the gift card, and there were several other options that I considered, including not refinancing at all. The delay is receiving the gift card has harmed me because I planned to buy a new cell phone in early XXXX using the gift card, and I need a new phone for my job.
XXXX I disputed nation wide recovery services and they're multiple items double billed and same with XXXX 16 on XXXX and nothing has been removed also the these creditors were as sent requests asking to verify items with no response XXXX  finialy removed 3 today after the disputes were closed and me calling them a stating they broke federal guidelines for fair reporting but several things weren't settled with all three major credit reporting agencies
Based on my credit report there was a credit card account opened using my personal information on XX/XX/XXXX. After reviewing my credit report in XX/XX/XXXX I contacted US Bank. I informed them that the account was not mine. They then created a case and mailed me an affidavit and police report form. I went to the proper measures to get the forms filled out and mailed them back to US Bank. I contacted US Bank again on XX/XX/XXXX and they informed me that they never received the forms however I know that is untrue because I sent it via certified mail. I have disputed the account with the 3 credit bureaus multiple times since XX/XX/XXXXas well as written letters asking for verification. US Bank never responds and when I call them they provide me the same information about sending them a police report, in which I have did previously. US Bank has not been willing to work with me and they appear to be unconcerned about with helping me with the fraudulent account.
I disputed the referenced Chapter XXXX Bankruptcy with credit report of XX/XX/2018 and your report shows the items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
None of the three major credit reporting agencies will issue my credit report after I had entered all personal information.
All my accounts with Chase Card Services got shut down without prior notice. I attempted to use one of my cards with a credit line of about {$500.00} and the charge was declined. So I logged onto my account and discovered that all my accounts had been shut down. My credit score is excellent, I have credit history for over 30 years and my payment history is at 100 % positive. I find it hard to believe that I am a " credit risk '' that all my cards get shut down like this.
A Western Union money transfer made while on vacation was not going to be collected by my receiver so I called WU for a refund. I explained to them that I will no longer be at the original location as it was a stop during a cruise. They informed me that they could instead send me a mailed refund check and said it would take 2 weeks to arrive. After 2 weeks I called to inquire why I had n't received anything and was told it had been sent to an incorrect address ( which later I was accused of giving a false address ). I was told my address was corrected and I would be sent a new one. During the next 2 months I did n't receive anything and called customer service multiple times to inquire. Each phone call resulted in my having to explain the entire situation over and over and each agent telling me they had to send a request for information about my check and requested I call back in 24-48 hours. And then I would find myself in the same situation with no information about where my money was. Finally I decided to call and request my money be sent to a local WU store to avoid mail checks that never arrived. When I requested this, again I was told " your request has been sent, please call back to check the status of your request. '' My final call yielded no results saying I had already been sent a check to an incorrect address that I provided and I would have to wait for a new request to process. My original refund request happened XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to receive my {$1900.00} USD that is STILL in Western Union possession.
PLEASE NOTICE ITEMS # XXXX ON THE UPLOADED CFPB COMPLAINT REVIEW PDF. EXPERIAN DELETED THE NEGATIVE ITEM ... 
I 'm a little confused. Two months ago, I disputed the following previously deleted account as being inaccurate, and Experian deleted it because the furnisher agreed with me. 

But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points, causing me to pay a higher interest rate on my loan. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted account.
After reviewing my credit file I have noticed that there are 5 inaccurate fraud accounts listed onto my credit file. I have initiated one dispute yet you still have failed to remove from the credit file you maintain under my name and social. I have enclosed my FTC Identity Theft Report, proof of my identity. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I have also contacted all 5 companies yet they have failed to validate any of these alleged accounts so how in the XXXX are they verifying them with you. Please remove these accounts immediately.
U S Bank upped the interest on my credit card because due to the XXXX, the company I own lost a lot of work, and I was only able to make the minimum payments for a while ... ..I was never 30 days late NEVER and always paid the minimum due ... ... today I get a letter from them that they are penalizing me even more and dropping my credit limit from XXXX to XXXX ... I have already called and cancelled the card ... ..and the card has been shredded ... ..
My car loan with lobel fincial was reported as 60 days past due when it was with a claim on gap insurance and was going to be paid in full all i had to do was pay the deductible befor my due date on the XXXX and i paid the XXXX for the deductible on the XXXX i was still reported as 60 days late and one my  accout was paid in full was reported as closed not paid infull
Long story short, we had our original mortgage with XXXX with a balloon loan that had matured and XXXX would not refinance. They tried to foreclose, so we filed chpt XXXX on the entirety of the balloon balance in XXXX we paid off the XXXX never missed a payment and was discharged completely in XXXX. XXXX XXXX we get a bill from XXXX saying we still owe XXXX. We hire a lawyer and takes a year but XXXX admits their wrongdoing and releases the deed to us. However, in the meantime, they had sold the loan to BSI financial in FL. These people will not deal with us on this matter. We fulfilled our obligation to XXXX mortgage and BSI should never have been involved, but they are because of XXXX. They are now every month filing us late payment on our credit report on a loan that is fraudulent and we do not owe. They are killing our credit rating and they are doing it on purpose, they have all the necessary documentation that shows XXXX was at fault and not us. They are punishing the wrong recipient. I have talked to reps at BSI before and been told they were looking into it, we know what that means, but now they have refused to even speak to us. I will have to pay a lawyer again for something that is not my fault. BSI are blood suckers and are breaking the law by trying to collect a debt that was covered and paid in a chpt. XXXX trying to refinance home improvement loan and ca n't be touched all because of BSI whom we do n't owe a penny to, never did and never will. They went so far as to change our address on our credit report to our lawyer 's address ... how can they do that and how can that be legal. This should have all been resolved in XXXX and still dealing with it 3 years later. This is fraudulent, illegal, and just plain wrong.
The agency lists multiple addresses on my credit report that is misleading and NOT accurate. I only resided at one address, which is on XXXX XXXX. The current reporting is misleading, not accurate and is in violation of several FCRA statutes.
I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XX/XX/XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file. 

There are 3 Dept of Ed/XXXX Accounts that are reporting inaccurate late payment.s
On XXXX XXXX, 2015 I sent documentation to Equifax disputing Unauthorized Credit Inquiries, Removal of Outdated Information, and accounts that do n't belong to me. The documentation was sent certified in which Equifax signed for on XXXX XXXX, 2015. I did not receive any response from them in reference to my request which on XXXX XXXX, 2015 I sent them another letter advising them that thirty days have passed and they did not provide me with any information that I requested. I also advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit bureau, I requested that they immediately delete the information from my report. As of this XXXX day of XXXX 2015. I have not received any documentation from them in regards to any of my requests.
Summary : My credit score has decreased by a significant amount due to XXXX XXXX incorrectly attempted to charge me for two months after the end of a new car lease, even though I had paid-off my entire two year lease term one year in advance. Also, I have purchased this car after my lease term had ended, but had still been charged for two months of car lease payments. Once I had noticed this, I had provided a written dispute to XXXX XXXX, insisting they fix this unnecessary issue. Very shortly after, they had closed my account, but they had never fixed the reporting to the credit bureaus to reverse the two subsequent months of reported delinquency on my account for any of the credit bureaus, and therefore I am still suffering from the negative impact they have caused me from a drop in credit score rating by more than 60 points. Their acknowledgement of quickly closing the accounts upon my dispute to them shows they understand they have made an error resulting in a financially negative impact to my credit report, though, they have chosen not to take the necessary steps to correct this error. 

Details : XXXX XXXX attempted to charge me an additional two months of a lease term ( $ XXXXmonth for each of those two months ) than had ended and were not due, resulting in a  significantly negative impact on my credit report/score. 

XXXX XXXX attempted to charge me for the months of XXXX and XXXX of 2018 ; I should not have been charged these two months, but was nonetheless charged late for these two months. 

XXXX XXXX then closed my account as a response to my filed dispute on XX/XX/2018, but they had failed to report that I had not been late, or even that these falsely manifested payments never existed. Due to this, my credit score has decreased significantly, hindering me from successful financial management going forward.
This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for XXXX years and they would not be paying this debt on my behalf.
Contacted me and family members who were not included on any debt, no debtor given or nature of call, would not send physical mail to us.
On XX/XX/2017 I made a payment of {$330.00}. Around XX/XX/2017, my XXXX XXXX at the time ending in XXXX XXXX was taken from my driveway. 
I was never notified PRIOR to XX/XX/XXXX or XX/XX/XXXX for that matter that my car was set to be repossession involuntarily as I would of never made the XX/XX/XXXX payment as low as I did. Or I at least would of made other arrangements with Santander. I had even spoke to an agent about a month prior to make sure I was making the correct future payments in order to get my account back in order. It wasnt until the tow truck was in my driveway trying to take my car that I realized my car was being repossessed. It was also at that time that I had to called Santander to confirm said repossession. Might I add that the tow truck stated that Santander was known for doing illegal repossessions. Nonetheless, my main issue is that Santander may have repossessed my car illegally and may also have violated one or more laws. Upon researching Florida Statues regarding repossession, Santander was and still is in direct violation of Florida Statue 537.012 section 3 which states that At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. I was never notified of any details regarding said sale nor was I notified of a final amount owed. I also was never given a chance to make reparations prior to the sale, whenever it occurred, which is also part of Florida Statue 537.012 section 3. I just so happened to check my credit report on XXXX XXXX in XXXX to find a repossession listed on my account which then changed to a charge-off in XXXX with a new amount owed which was news to me. I honestly believe Santander had already scheduled a repossession prior to XX/XX/2017 but instead decided not to notify me of that and allowed me to make a payment as if I was simply paying my regular car payment.
The Consumer Financial Protection Bureau 's actions and response to my ongoing complaint, in regards to Case Number XXXX is deliberately confusing and false. You claimed both Experian and XXXX at XXXX, GA XXXX could not be found and my problem of having a fake debt on my credit report is not one known to you. False. In fact, Experian is a publicly traded company ( EXPN on the New York Stock Exchange ) that harvests and sells credit information globally. Additionally, Experian is one of XXXX credit bureaus whose complaints by others they have bullied, harmed, harassed and refused to respond to can be reviewed by consumers. Their violations of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act are in the thousands, and the Consumer Financial Protection Bureau has turned a blind eye to their abuses. 
Your denial of their abuse of power, abuse of the credit financial system and wanton disregard for all consumers including me is reprehensible. We know these companies are cheating and abusing customers with your consent, daily. We are very aware of this. We are also aware that your benign neglect and purposeful refusal to perform your fiduciary and lawful duties, by falsely claiming that you have no idea what Experian and XXXX are doing by placing false debts with no contracts, proof, evidence, validation ( either written or otherwise ) with your permission. The CFPB has failed and refused to force them to remove the fake debt from my credit report for more than 1 1/2 years. They are committing a fraud with your blessing and expressed permission, because the Consumer Financial Protection Bureau does not protect consumers. You have separate rules for companies and consumers, by stated today XX/XX/2016 in your email to this consumer, " ... we can not help you because we do n't have an address for these companies. '' Experian can be found on XXXX, XXXX, XXXX. 
Although we have no past due debts, it does not matter. Experian and XXXX have kept a false debt on my credit for years, and you condone it with your crooked policies. This helps no consumers, but it serves to protect companies like these two that act continuously in bad faith, steal consumers ' ability to do business and obtain loans, and continue to be a threat to every citizens ' life and livelihood. You do not look for problems facing consumers or enforce Federal Consumer financial laws. That is not what you do. You submit emails to protect predator companies like the two listed in this complaint, in the form of a scripted email that does not address a problem ( created on XXXX 2016 by a computer, not a human being ). Federal and state employees never work on XXXX and this attempt to ignore me, and cheat me further has been duly noted.
Equifax, they have pulled this info from a 3rd party and the court verified w me that they do not report to credit bureaus and therefore must be deleted
I have requested on several occasions that unauthorized inquiries through Experian be removed from my credit report as I have no knowledge nor did I authorize the inquiries on my credit report. I have attached documentation with all of the inquiries.
This account XXXX has shown up on my credit report after no response to my request for more information on the validity of this debt amount, date of original delinquency, or any information indicating that this is mine.