WillisBack/dataset-financial-user-claim huggingface dataset:
CFPB please refer to case XXXX XXXX XXXX AS I stated with fact evidence from themXXXX that they could not show that the account was made or used by me. TransUnion in you stall tactics You state contact company please be advised that any and all documentation is kept and forward to the CFPB and the OCC You state contact company how about you contact company and investigate this you are in violation of FCRA 623,611And FDCPA 806 { b } you reporting information that you TransUnion can not confirm as factual but reporting of this account just like the company can not show any evidence I made or received any thing from them you have the documents I sent to you throught the OCC and CFPB showing this .CFPB my request from TRANSUNION show there investigations { even there Past investigations } in writing they make the claims but show nothing ever false reporting is just that false reporting and is a violation in its self. This is extortion. yes extortion on transunion and there company XXXX when will we get any actual facts and not just double talk or stalling .I dont think it will take you any time to show your facts you have on record now REMOVE THIS ACCOUNT THAT IS NOT MINE
I have contacted Transunion many times to dispute the Release of XXXX XXXX Reporting. This XXXX XXXX should have been removed from my credit file for several reasons : 1. This is not my XXXX XXXX 2. This is an old outdated account.
Please remove these Release of XXXX XXXX from my credit report. This information was not provided by any furnisher or creditor.
I have advised the company that I 've never applied for a payday loan online. I barely no how to work the internet. Pursuant to the Fair Debt Collection Practices Act, XXXX : XXXX XXXX Sec XXXX ( b ) that your claim that I owe you money is disputed, and validation is requested.Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
I have contacted XXXX  several times because i noticed they are reporting Mohela accounts on my report that does not belong to me, When i tried to call i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone. 

My call is continued left bouncing around for hours. 

Finally after many attempts, i was told that those 4 Mohela accounts can not be dispute and they were validated. 

i did not sign or agree to any contract with Mohela, I did not Provide Mohela with my social security number, i did not provide Mohela with my private home address, i did not provide Mohela with my ID or phone number. I never provided any wet ink signature to Mohela These are the amounts. 

MOHELA {$7700.00} MOHELA {$3800.00} MOHELA {$8100.00} MOHELA {$4900.00}
Capital One has XXXX me once again. This would be the XXXX time I have complained about their total lack of customer service and lack of communication, and more importantly erroneous information. 

I asked to see if I could do a rate renewal which was told to me by one customer service agent, then told that I could not by several others. After days/weeks on the phone trying to resolve the issue with Mortgage Escalation Dept, I was told that I would be getting the paperwork in the mail, yet did n't get it. I was never given what the rate would be and after the XXXX phone call in the last two days, was told that my rate was going to be higher than what I 'm paying now. I ca n't believe the problems and horrible service at Capital One!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX
You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted EQUIFAX, XXXX, XXXX  and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.
I was charged {$100.00} for recovery of my contents in safe deposit box # XXXX by Chase Bank # XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Date : XX/XX/XXXX Contact : XXXX XXXX Contents were scheduled for pick up on XX/XX/XXXX but contents were never provided.
Written XXXX Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, XXXX When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement
Original loan amount was for {$2600.00}. I've been paying {$290.00} every month on this loan for a year and I still owe {$2500.00}! Over {$3000.00} already paid. When I inquire about paying the loan off in two weeks, it will be over {$3000.00} according to them, to make a one time payment to pay off the loan. These types of practices have to stop. 

Loan ID : XXXX
Lady needing funds to settle and process father 's will in XXXX XXXX. 
Banks would not loan her money. Her attorney XXXX XXXX and her uncle XXXX XXXX contacted someone to fund her needs. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received 4 checks electically deposited into my checking account at Wells Fargo Bank. Bank  emailed me saying funds available. I with Drew the funds and paid bills to attorneys in US as directed. Checks were resended by Bank as unpaid. I shelled out the money as deposited for a total of about {$67000.00}. I ask Bank for help. They just closed my accounts. Wouldn't tell me anything. I made report to my sheriff, secret Service, and XXXX CT police. The check we're on XXXX XXXX XXXX XXXX XXXX. Address was XXXX CT. I wrote letters with no results. Bank wants the money replaced. For now my Lady friend and myself are in financial trouble. With no one or way to fix. 
Wells Fargo was responsible for telling me the funds were good. They did. Then took the money from me and closed my accounts. 
I think the Bank should be responsible the money and not me. 
I understood the funds would be bank wire with money supporting the deposits. I had no idea who the deposits cam from. I could not see with my app. I had to go to my branch to get copies. Which was days later and after writing the trust.
XXXX I am writing regarding a previous complaint. I submitted the complaint ( 9 ) days ago. The # CFPB gave me for it is above. I tried to " CHECK STATUS '' but the page it jumped had no info. The complaint history - on a different page - states : Sent to Company. 

I received a phone msg. from the XXXX office on the XXXX or XXXX, asking me to call them. I have called ( 3 ) times. No other messages were forthcoming and my calls where not returned. I have no idea what the status is and my account and the fee money remains with the bank. 

The complaint is regarding fee and charges that were unfair and excessive. I post dated a check and it was cashed early with a {$6.00} short in the amount to clear it. Since the check was cleared EARLY, I received {$95.00} in fees. The fees are disproportionate to the shortage. The banks are allowed to charge outrageous fees. 

The account is a small business account. I paid out {$600.00}. to employees in cash because I could not use the account. 
Another fee was charged when a campsite establishment made an unauthorized use of a debit cards " on file '' and ( 5 ) days after our stay used the wrong card, caused another fee.
I applied for a car loan at XXXX XXXX XXXX dealer on XXXX XXXX 2017. They ran my credit and told me everything is good and I drove the car out of the lot. For 5 weeks they kept running my credit even though I had been approved for a loan with XXXX. They wanted to only go with XXXX XXXX XXXX XXXX. This is a predatory lending practice. Therefore I could n't register my car in time, I could n't get a parking pass in my residence and my credit score kept going down. I have finally received a Bill from XXXX XXXX XXXX XXXX. There is NO contract or initiation package included that confirms the terms and conditions of the loan. There is NO online customer support. They do NOT answer the phone they have enlisted in the bill and they expect me to pay them in 3 days. I can not pay a bill until I confirm it is a legitimate financing company with the terms that I signed the contract for. The dealer is not helpful at all either.
XXXX XXXX of North Star Locations Debt Collection, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.
I have written by US Mail and made numerous phone calls to have information corrected and updated on my credit report. I have notified the collection agency as well as all three credit reporting agency 's with proper identification along with a copy of my social security card. I've never applied for or authorized anyone for any kind of service at XXXX. The information that I have received from the past, XXXX, XXXX  and XXXX XXXX have not physically verified this inaccurate information, collection companies verbally reported information to the credit bureaus as verified. This reckless reporting tactic from the collection company as well as credit bureaus has cost me a great amount of hardship during my search for employment and seeking a government security clearance. This debt of {$1500.00} does not belong to me, I will be consulting with an attorney for possible damages caused by the inability to obtain employment pending the out come of this matter.
I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's still an adverse account that does n't belong to me and an address where I never lived at listed on my credit report. I never had that account, never lived at that address, and my XXXX credit report does n't have such nonsense. I 've contacted Experian XXXX times and wasted a lot of time because of this nonsense.
Failure to alert me of suspicious activity and failure to provide consumer protection against online fraud.   CC Company : Barclaycard,  XXXX , DE Merchant : Tickets  XXXX    XXXX   XXXX   Date  XXXX / XXXX / 2017  Amount : {$810.00} My credit card information was stolen online to purchase  XXXX  same day basketball game tickets. I filed a dispute after speaking to the merchant. Credit card company " investigated '' and found in favor of the merchant. Reason being the merchant said they sent the tickets electronically to a n e mail address with my name on it, therefore that meant I must be made the purchase. But that was NOT my e mail address. The theft who stole my information created an e mail address with my name in it so he could have the merchandise sent to him electronically. That is how online fraud operates!! Anyone could create e mail account using any name they choose!!     Barclaycard told me they have now completed the investigation ; it is now up to me to negotiate with merchant. The merchant tells me to work it out with Barclaycard.
**This is not  an Duplicate Complaint. Follow up from Complaint  #  XXXX  There is no need place an " Dispute '' on this account your claiming is mine.     The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay  ) the y need to retract this from my credit file immediately.
Please try to open an account online with HSBC. They are asking for ridiculous amounts of information no other bank asks for when opening an account online. They are saying the Patriot Act requires it which is simply a lie.
I applied for a refinance of my existing mortgage in early XXXX, 2016, and over the course of the following 4 weeks I provided a substantial financial information to the Wells Fargo officials handling the application. The refi loan rate was locked and at no time did any Wells Farho official advise that there was a limit to the loan lock. 

Requests for data from my accountants & bank were submitted on a timely basis on a number of occasions.. I was asked to provide payment for a credit report & an appraisal which I agreed to but requested the official to advise that the refi was likely to be approved prior to spending {$450.00} on an appraisal. This request was not forthcoming so I delayed the appraisal aapproximatly 2 weeks pending tentative approval. I provided all data as requested & " XXXX mid XXXX I sent several emails requesting a reason as to why the approval was taking so long. Normally a refi is handled by mortgage companies and bank within a 6 to 8 week period. I finally closed the agreement on XXXX XXXX after several weeks delay as Wells Fatgo official claimed they had not received any documents from my title company. In fact the title company in XXXX XXXX, NM sent documents no less than 3 occasions. 

When I checked the closing statement on line I discovered a penalty of {$2800.00} for breaching the loan lock period. In the interim period I switched form a 15 year fixed loan to a 30 year loan with a 7 year ARM. On receipt of the new offer I inrejected the interest rate offered of 3.125 % and finally agreed 3 %. My argument was I had changed tack and this was a new loan negotiation. Wells Fargo rejected this and I spoke with a manager who agreed that I had a case and offered a discount on the fees. On receiving the Closong Statement from my Title Company I observed a credit of approx 15 % which was a lot less than I had come to expect. I again contacted the official handling the loan and was advised the Mamager would call me on Monday XXXX XXXX. Thus did not transpire and when I complained I was told either sign the new loan agreement or withdraw. Well at the XXXX hour and after 4 months negotiations at considersble expense I capitulated as I did not want to replicate the exercise with another bank. I also noticed in the closing documents ( XXXX pages ) that my income was greatly understated, which led me to assume that was the reason for the continuous delays in finalizing the new loan as each time I asked I was told underwriters were still reviewing my status. I was paying {$2700.00} per month on my existing mortgage and asked how could I possibly pay this monthly sum plus my car loan, medical insurance plus living expenses on such low income. I received no response from Wells Fargo even though the new payment was reduced to {$1200.00} per month! 

I was treated contemptuously by the officials and would suggest this type of practice is not what the general public should expecfrom one of the Nations largest mortgage providers. I fell I should be refunded the fees that were overcharged.
I responded to an online ad from Lending tree who advertised a debt consolidation loan, low rate, get money as soon as possible. I took out the loan in XX/XX/2015 ( see attachment ). Now almost two years later, I have only paid a little under {$7000.00} ( see statement showing the interest rate and the amount going towards interest with approximately 38 months left to pay. With all of the past issues with the mortgage loans, how on earth can a company be allowed to bait and switch consumers into these type of loans. is there anything I can do?
After falling on hard times I submitted an application in XXXX of 2014 for a HAMP mortgage modification to my mortgage holder, Nationstar Mortgage LLC. They lost my original application and I re submiited another XXXX in XXXX. The process has gone on now for XXXX a year consisting of Nationstar and my spoc XXXX XXXX consistantly losing track of just about every document that I have sent them. Each time documents were requested I send them multiple times via email and certified mail. All along the way when XXXX eventually received the requested documents he and Nationstar would then ask for yet more up to date documents. Eventually after close to a year and at great expense to me ( paying an accountant to put together documentation ) I was told my case was in underwriting finally late in XXXX. My original mortgage was aprox. {$2000.00} per month. My understanding was that the HAMP program would make my payments lower. It made sence to me since my income had dropped by more than 50 %. I was finally contacted via email by XXXX XXXX of Nationstar Mortgage that I was approved for a XXXX month trial period with payments of over {$3000.00} per month, more than 30 % HIGHER than my original payment. There was no way that we could afford this. I asked XXXX to look into this explaining that there must be some mistake. XXXX response was that it did not matter, I had to pay it anyway but I could send in a dispute. I explained that the reason we were applying for relief was for a " more affordable '' payment and not a larger payment. He did not care XXXX bit. I have still not received any response from XXXX or Nationstar in regards to my dispute. Instead however, I received a foreclosure notice in the mail. I have once again notified Nationstar of all of this via their internal messaging system and not yet herd from them at all. This has been going on now for over XXXX year now
I was a consignor of a loan with Santander for my boyfriend car. He did not pay the loan. I found out that he was lying on his name and he had an arrangement with the dealership. I had to file a police report and get the car back. I went to the dealership and asked them for help because 1/ the car was under my name, which i did not know since i was supposed to be a cosignor only and XXXX i couldn t afford it. The dealership told me that they handle this type of situation and came up with the contract saying that they will take over the loan and make payments to the car. Little did i know, they never made the payment and claim that i got the car back, which is not true. I have hired a lawyer on the case. And this is on my credit. I am currently trying to buy a house and I ca n't because of that. I Have submitted a complaint with the NY consumer affair, my lawyer sent letters to the dealership and they never responded. I have to fix it.
I have initiated XXXX total disputes with Equifax over the last year to contest a debt that I never signed for and want removed from my credit report. XXXX XXXX is the debt collector that I contacted to get this handled. They responded with a " lease agreement '' that has no signature anywhere on it. I 've sent XXXX XXXX XXXX letters referencing violations under the FDCPA and FCRA. 

After further investigation, I went through the FEDERAL MANDATES and noticed several violations against Equifax 1. Equifax did not complete a proper investigation with the collection agency. 
2. I requested Procedure on how Equifax verified the account. They never responded [ 15 U.S.C 168I ] 3. Equifax has taken more then 50 days to respond on every letter I sent. 

Attached is the evidence I have compiled against Equifax , I have exhausted all efforts to get this corrected on my own to no avail. 

Please help me take action agianst this incompetent company, It 's unbelievable that the government still allow Equifax to do business in America. Thank you CFPB for being a voice for the consumer. 

Sincerely, XXXX XXXX
Someone else has opened a PayPal account using my email address ( XXXXXXXXXXXX ) even though I did NOT click on the verification message that was received. My complaint is that PayPal allowed this account to use my email even though I did NOT open the account or verify that the email should be used. 

Further, in the email, there is NO WAY to reject the verification. In fact, the email says not to reply by email. In order to file a complaint on the PayPal website, it requires me to login. How am I supposed to login when this is a fraudulent account? So my second complaint is that PayPal has made it difficult to resolve an issue that they are responsible for creating in the first place.
I was never contacted about my debt. I had to find out about it after trying to get a mortgage and then : My account at the debt collection company was paid in full XX/XX/XXXX, yet every month it is being reported as a {$0.00} balance. Upon speaking with a credit bureau representative I 've understood that this is incorrect and is negatively affecting my credit score and ability to receive a lower interest rate on a mortgage. 

The credit bureau shows that the account was opened XX/XX/XXXX, but due to the fact that the collection agency is reporting a {$0.00} balance every month, my credit report at the Mortgage company shows the {$0.00} balance reported last month, XX/XX/XXXX.