WillisBack/dataset-financial-user-claim huggingface dataset:
Registered prior to an account at CreditKarma.com. Claims to be a FREE credit SCORE site. Reset my password yesterday XX/XX/XXXX. Site - Requested my social security number last 4 digits, birth date, address and name. Never been able to access my credit scores or log into the site since : it immediately and 24hrs later just fails to load/ gives a " too many redirects site not accessible. '' There is no telephone support so I emailed customer service via their website. The email reply from service received today XX/XX/XXXX then asked me to fill out the help form on the site. I did that - again there they ask for the prior details ( " in order to quickly access your account and get a faster response. '' ) Today I then get a further customer service email from that, saying we need you to email us c copy of your drivers license or state ID in order to further resolve your access to log in to get your score. I sent an email refusing to do so. 

I have since found on their website many complaints about the site being fraudulent/ asking for social security numbers in order to access info etc etc - yet never then providing it, website " broken. '' The Q & A has ZERO responses to many of the complaints filed by customers and instead the " replies '' were posts that I myself have never done, but were displaying my user name as a reply to the complaint with a generic technical answer that is some jargon on their website. This site is fraudulent. CFPB needs to be aware - since its seems to have good reviews on the XXXX XXXX - it is misleading. Please try and access the site for yourselves, register and verify this - as well as search and view the many complaints of fraud from other clients. It is very dangerous, since it seems legitimate - and it requests and is therefore getting very sensitive client information including state IDs. licenses, birth dates, full addresses, emails etc etc
They want to charge two people for same amount and its not the right amount because they are overcharged us. We had never been served. We dont own that amount of money. {$4800.00} total {$9000.00} on XX/XX/2016. XXXXXXXX XXXX is taking care of it. The company name is XXXX at the links but the collection company now is Fair Collection outstanding company.
APPLIED FOR A MORTGAGE LOAN XX/XX/2018 WITH XXXX XXXX OF FAIRWAY MORTGAGE. SHE PRESENTED HERSELF AS A BROKER, FOR MANY LENDERS. 
SHE WAS UNAVAILABLE FOR PHONE CALLS, AND EMAILS WENT UNANSWERED. FINALLY 2 DAYS PRIOR TO THE CLOSING ON XX/XX/2018 SHE PRODUCED THE LOAN DOCUMENTS. THE LOAN WAS WRITTEN IN THE WRONG NAME, THE LOAN WAS WRITTEN FROM FAIRWAY INDEPENDENT MORTGAGE. THE INTEREST RATE WHICH SHE LOCKED US INTO IN XXXX HAD CHANGED TO 4.75 % WHICH WAS THE RATE AS OF XXXX. 
SHE DID NOT SHOW UP AT THE CLOSING, AND THE TITLE COMPANY WERE INFORMED THAT WE HAD TO SIGN ALL THE DOCUMENTS, EVEN IF THERE WERE ERRORS OR WE WOULD NOT GET THE LOAN. 
OF COURSE THIS MEANT THE PEOPLE WHO'S HOUSE WE BOUGHT WOULD NOT BE ABLE TO CLOSE ON THE HOUSE THEY BOUGHT AND SO ON DOWN THE LINE. 
WE DISCUSSED THE ISSUES AND THE REALATORS DECIDED WE SHOULD SIGN, AS THERE WERE WITNESSES TO OUR REFUSAL, AND RE-FINANCE IMMEDIATELY. 
WHEN WE WENT TO RE-FINANCE WITH OUR BANK WE WERE UNABLE TO GET A LOAN BECAUSE XXXX HAD PUT IN INCORRECT INCOME INFORMATION. SHE ALSO PUT US IN A JUMBO LOAN FOR $ XXXX AND WE PUT DOWN 20 % AND STILL OPENED AN ESCROW ACCOUNT WITH THE WRONG AMOUNTS. 
THE ESCROW IS BEING HELD BY FAIRWAY MORTGAGE AND AFTER MANY CALLS FOR THAT AMOUNT TO BE RETURNED WE STILL HAVE NOT SEEN IT. 
IT IS OBVIOUS THAT XXXX XXXX WROTE A HIGH COMMISSION LOAN, MADE OUR INCOMES LARGER TO ACCEPT THAT LOAN AND THEN THE LOAN WAS SOLD TO XXXX XXXX. 
EVERYTHING SHE TOLD US REGARDING HER AND BEING A BROKER FOR ALL SOURCES OF LOANS WAS FALSE. THE LOAN WAS WRITTEN WITH FALSE INFORMATION AND WHEN WE CALLED THE " SUPERVISOR '' FOR FAIRWAY, I WAS TOLD THAT " I DON'T LIKE YOUR NEGATIVE ATTITUDE, DO NOT CALL AGAIN ''.
The item XXXX XXXX reporting on my credit is not accurate. This company has re-aged the item. They are currently reporting a charge-off every month since XX/XX/XXXX up until this month XX/XX/XXXX. A charge-off is an event that took place back in XX/XX/XXXX it is not a status to be reported each month according to my online report. ( See print screen below ). 

This monthly reporting of a charge-off has caused my scores to drop as a result of this retaliatory reporting. Furthermore the listing also lists a {$210.00} balance ; which clearly is not accurate. A charge-off would indicate that the company has written off the debt and thus would have a XXXX   balance. Obviously they can't have both reporting : it's either a charge-off or there's a balance due. These errors on my report causes me great concern, in that I have no reason to believe that this listing is accurate at all or has ever reported correctly based on their failure to report accurate information. 

Please remove this inaccurate item from my credit report as it is clear that they have re-aged this item by reporting it charged-off month after month. Re-aging a debt is a violation of the FCRA. 

This inaccurate reporting hinders my ability to obtain financing for a home and also hinders my employment opportunities ; this retaliatory reporting has directly lowered my Fico score.
I received a debt collection letter from Scott & Associates, PC on behalf of XXXX XXXX XXXX. The amount is {$3100.00} and their account # XXXX. They also filed a lawsuit against me ( case # XXXX ) I called the Law Firm and I spoke in the to XXXX XXXX. I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN. XXXX XXXX XXXX told me that that my SSN in the account does n't match the last four of my SSN. At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house. I need this to stop. I sent them copy of the 3 major credit reporting agencies with ( XXXX, XXXX XXXX, XXXX ) that  shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my XXXX, A copy of my military service XXXX XXXX payment so they can corroborated the last 4 of my SSN. I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in XX/2016 flying colors. All this info and they still coming after me for something I do n't owe.
Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.
My name is XXXX XXXX and as of XXXX XXXX I am unable to access my funds from Rushcard that 's all it needs to be said I have my money and they wo n't let it go and its been 10 days.They say it 's a glitch in the computer
My name is XXXX XXXX XXXX. This issue with a Loan Till Payday account was previously reported to you for collection practices, etc. I had a pay day loan in 2013. At the time, I banked with XXXX XXXX, who advised me that pay day loans are not good, and in the end XXXX closed my bank account, it was involuntary. In the interim, I made payments to the agency. XXXX and XXXX were the primary contacts. On the last payment, due to the fact that I told him I was coming in to pay cash, and they withdrew the funds, electronically, my account was affected. XXXX advised me that the payment made was the last payment and the other ( which was primarily interest remaining ) would be charged off. XXXX later called me and advised that XXXX was not authorized to make that decision and demanded the payment. I do n't understand how one person can cancel the arrangements made by someone else. 

In the end, they sold my account. It was reported to you, and that creditor then stated no further collection activity would occur. 

Last week I began receiving calls from a collection agency, XXXX XXXX stating I would called for a civil deposition on this account. I do n't even know this agency. Later, I then received another call stating that I needed to hold, and after several clicks was connected to someone at a Mediaction service. I denied the owing the loan and stated it was paid. 

Today, I received a call from an outsource service courier about a missed appointment or hearing??? What?? I have no idea who these people are. I called Loan Till Payday and was advised the loan was sold and I needed to settle with the new company. So, does this mean they are continuing to attempt to collect {$200.00}. 

I attempted to call the numbers, and now no one picks up just a voicemail. I called the supposed service courier and advised that their number was showing up as a spam/fraud number and that if they were a legitimate company then they should leave their name, location, a number ( not a voicemail ), and the case they are calling me about. I have not been served with any collection documents - why am I being threatened with a deposition??? 

Telephone number recently calling me : ( XXXX ) XXXX. 

Please help.
I was notified that a.. MORTGAGE CREDIT INQUIRY had been run, Without my knowledge or permission. 


Date : XX/XX/2018 XXXX, XXXX, and XXXX XXXX : XXXX XXXX XXXX Via XXXX/ XXXX XXXX XXXX XXXX. , XXXX, PA XXXX / ( XXXX ) XXXX My Name : XXXX XXXX
The credit card was paid with a valid lawful financial instrument. Instrument was never returned or denied and believed to have been negotiated by the bank to settle the account. In addition the entity sending the communication CARD SERVICES is believed a third party interloper and Barclay Bank have never requested permission to share private information with CARD SERVICES and such communication might be unlawful
Credit card company turned off my ability to pay and I was not able to get them to turn it back on. After XXXX missed payments, they closed my account and I was sent to collections. I received a letter from a collections agency that stated a settlement offer. If I paid half of the amount due, the credit card company would forgive the other half. The letter stated the settlement was an option for the entire length of time that the collections agency serviced my account. I paid the 50 % to the collections agency and thought I was done with this debt. However, a few months later, I was checking my credit and the half amount was still showing as due. I called the collections agency and they told me that the credit card company had requested my account back. Since the collections agency no longer had my account, they apologetically let me know that there was nothing they were able to do. I called the credit card company and asked why the debt was still there if I paid the settlement, and the representative said it was not marked as a settlement. They said they would request the information from the collections agency and get the debt removed. Another couple months go by and I get a letter from the credit card company to open a credit card with the balance of my debt as the credit limit. I call the credit card company again and ask why my debt was not removed. The representative was extremely rude on the phone and went as far to say " what do you want me to do about it. '' I paid the collections agency in XXXX of 2015 and the credit card company requested my account back in XXXX of 2015. I have not been able to get the credit card company to assist me. The credit card company has sent me to another collections agency, which I already claimed a dispute against the debt. 

I have proof of the settlement agreement and proof of payment to the collections agency.
Collections agency medical bill {$68.00} was PAID in XX/XX/2012. Equifax still reports as unpaid
XXXX XXXX XXXX and Results Unlimited, Inc. has sued me via civil judgment for debt relative to their decision to evict me after my roommate moved out unexpectedly. After much pleading and providing a plethora of supporting evidence, the company pursued legal action and I was never informed. 
I eventually found out that there was a trial and judgement placed on my credit. I did an annual credit report review and noticed this judgement on my credit for {$3.00}, XXXX. The company has now placed a garnishment of 25 % of my disposable income and has since increased this amount to {$4800.00}. 
Meanwhile I have not been properly informed of any of these actions taken against me. Results Unlimited has not provided me with any forms or documents that has outlined any of their processes and actions toward pursuing this judgement of collections against me. When I reach out to Results Unlimited they only give me verbal information and aggressively leave me without any hard copies of evidence used in a court of law against me. 
I am a law abiding citizen who has overcome many personal obstacles to obtain my current career. This company sent court documents to an address that I moved from some 2 years ago and since have since lived at XXXX addresses any of those potentially being my " last known address '' but they chose the furthest address relative to time moved and distance to send these court correspondences. 
This company continues to use bad servicing practices to prey on individuals whom are already in compromising positions. I need assistance with this matter immediately and I am thankful for the support of CFPB.
I have called, and written, Cititcard several times stating that the balance on my statement does not agree with what I purchased and what I have paid. I asked for a recap of the purchases and payments I have made sinceXX/XX/2017 to the present date.

I have never received this recap.

Yesterday, I spent 25 minutes on the phone with Citibank. A rep name XXXX  told me that she saw where I had made requests for this info and stated " you haven't received '' this yet? I said not and she asked me to hold on.

A few minutes later, another person picked up and I said I was talking to XXXX  who put me on hold. I was told XXXX transferred the call to her. I asked when I would receive the recap of my purchases and payments, and this person disconnected the call.
I received an email offer for an American Express XXXX XXXX XXXX XXXX Credit Card with an annual fee of {$450.00} in early XX/XX/XXXX. The card offered XXXX XXXX points if I charged {$5000.00} in the first 3 months. Also a {$300.00} XXXX/XXXX credit each year of card membership for charges at any XXXX or XXXX XXXX, 1 free night a year, and a priority pass for airport lounges. For my business and personnel travel this would be a good value for me. While doing the on line application a pop came on indicating that if you had a prior American Express XXXX card you may not be eligible for the benefits. I called American Express and indicated that 20 years ago I had a XXXX Credit card but not sure if it was an AMEX, XXXX, or XXXX. I cancelled the card in XX/XX/XXXX. The agent assured me that this would only apply to cards cancelled in the last few years. I did not note the agents name. I received my card around XX/XX/XXXX and proceeded to use it. My first statement was XX/XX/XXXX with a balance of {$3900.00}. A week or so later I received the credit card statement and called American express just to confirm I needed another {$2000.00} or so to get the XXXX points. The agent confirmed this was correct. On Monday XX/XX/XXXX I paid my current balance of {$4300.00}. I called American express and asked when I reached the {$5000.00} in charges how long would it take to get my bonus points. I was told by the agent I would not be getting any of the listed benefits because I had a prior American Express card that I cancelled. I told her that I had informed American Express on 2 previous occasions that I had cancelled a XXXX credit card in XX/XX/XXXX that might have been an Amex card. She informed me that sometimes it takes a month or more before this would appear on my account. I then talked with a supervisor named XXXX, who also informed me that since I cancelled a card in XX/XX/XXXX I would not be eligible for the benefits, this was after speeding over {$4000.00} on the card. I asked why this was not mentioned by the agent when I applied for the card or a month later by the agent when I called to re-confirmed the period of time to reach the {$5000.00}. XXXX informed me that it may take months for the American Express to do the research if I qualified for the promotion. I then cited I should not have been told by 2 American Express agents that I qualified for the promotion. She also mentioned that my wife had cancelled a XXXX XXXX American Express card several years and I had a companion card. My wife 's account was always in good standing and this card was not in my name. I have no problems American Express accepting or denying anyone for a credit card. My complaint is I should not have been told I qualified for the benefits and 2 months later after spending over {$4000.00} told I did not quality. 
PS my credit score is in the 800 range and always pay all credit cards on time.
All Credit Bureau reporting companies including Transunion, XXXX and XXXX are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit. 

This in itself is FRAUDULENT and UNETHICAL. 

Please call them on my behalf.
I was contacted by this " attorney '', to help me settle a debt. I was told that if I did not make settlement arrangements that I would be served with court papers at my place of employment. Because he sounded legitimate, I made arrangements to make payments on the debt by giving him my debit card number. Upon speaking with my spouse, I found that I have never had an account with this alleged attorney 's client. I can not find this man listed on any states Attorney 's Bar list, however, the emails that they have sent clearly look like they are from an attorney 's office, and the gentleman did tell me he was an attorney.
I was paying this card on time each month and the balance increased and I had a freeze on account and I have no idea how that occurred then each time I would call to resolve the issue so that I can continue to make payment on time because I was fixing my credit score now it 's a negative item on my report that 's affecting me.
We filed a claim with the Ocwen settlement relief, and they are denying receiving our claim, although when we submitted our claim, we also sent COPYS to Att. Gen. As well as our local district congressman, to be sure they would not be able to deny reciept. Yet they are denying ever receiving our claim, I still have all COPYS of claims sent in XXXX of last year, I can send them to you, please help, they stoled our home, now they are denying receiving our claim. XXXX XXXX and XXXX XXXX son
Reference : XXXX Complaint against Chase Bank Credit Card services. 
My complain is against the XXXX procedures. All your announcements indicate you are totally dedicated to support and protect the public. In my case number listed above that was not the case and proved that the BCFP was in league with the Chase Bank against me. 
I made a complaint against Chase Bank. Details are provided in my complaint. My complaint was passed to the Chase bank who responded. I was sent the response and made a rebutall that had significant information to contradict the Bank statement. In the meantime the XXXX stated the case was closed and my rebutall could not be forwarded to the Chase Bank. That is not in the interest of the public ( Complaintant ) but protects the Chase Bank. This process needs to be changed. I also ask for a review of how my case was handled by BCFP staff. My rebutall needs to be sent to Chase Bank. Basically deducted {$79.00} per year since XX/XX/2004 for a total of about {$1000.00}. without my aithoroty to make that deduction. My rebutall tells why Chase Bank is at fault.
I am filing an grievance regarding funds that where stolen from my account. On XX/XX/2018 I have left USA and went to XXXX ( please see attached ticket ) and I came back on XX/XX/2018. Because I have 3 cellphones I took two with me to XXXX thinking that one XXXXXXXX XXXX  was left at home. I was not aware that I have lost my phone and because I was thinking that my phone was in my home in Michigan. Upon my return to the US I did not look for my phone or logged in my bank account right away, I was able to use my debit card without any issue. All of sudden I have noticed that my account was negative and upon logging in Ive found out that I was a victim of a fraud and Ive contacted TCF Bank and started dispute. TCF representative told me that possibly someone made copy of my debit card and was using it. Before my next trip to XXXX Ive found out that my cellphone is stolen and Ive filled claim with XXXX and new phone was sent to me as replacement. 
I had TCF Debit card connected to the XXXX XXXX on my old phone ( one that is stolen ) and I had XXXX MasterCard connected to that phone too. My MasterCard was used without any approval and I have filled fraud claim with them and they told me that my MasterCard was used on that stolen phone and I assume that same thing happened with TCF Debit card. 
Because I did not authorized charges for almost {$10000.00} and when those charges happened I was out of country and I could not make those purchases please refund me my founds under fraud guarantee. 
Please look at claim number XXXX and in that claim you can find proof of claim with XXXX and Police report with XXXX XXXX PD, also I am sending you my ticket showing that during that time when fraudulent charges happened I was in XXXX. You can also see that during that time I was using my Debit Card in XXXX and that way I was not able to use it in USA.

I had filled two fraud cases number XXXX and number XXXX but bank did not give me my money back or provided explanation why my founds are not given back to me. Also TCF National Bank and/or VISA did not provide me with any proof how I could authorize those purchases when at that time I was 5000 miles away in XXXX. 
Since I am again in XXXX thank you for accepting this Appeal over the email. If you need to contact me you can do it by calling XXXX or by email. 

Please give me my founds back as soon as possible because I can not m are payments to my bills in USA and my credit score is being hurt! 

I am giving this statement under penalty of perjury and if any not this information is not correct I am ready to be criminal charged!
Please do not eliminate limits on borrowing funds for Pay Day Loans. We have at least several employees in my company that depends on this loan to pay their rent and use for emergency. Eliminating this service would cause many people hardship.
I totalled my car XXXX XXXX, XXXX. I was reimbersed by my insurance company XXXX XXXX. At that time, I was told by the insurance adjustor the remaining loan amount would also be paid off. It WAS. I received a letter from JP Morgan Bank that they had provided Chase Auto XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( c/o XXXX XXXX XXXX ) of receipt of payment and that it had been forwarded. XXXX XXXX considered it a late payment and obviously reported it immediately after due date to all Credit Report Companies. Record will show that from XXXX XXXX to XXXX XXXX the car payment was drafted on time. This was catorgorized as History of Late Payment on my XXXX Credit Report. An email ALERT advised me of the occurrence that lowered my credit rating. I was never notified by Chase Auto of their concern of a late payment. Do not hesitate to request more infomation.