WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows from XXXX XXXX of XXXX, Arkansas. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.
I JUST HAD MY CREDIT RAN AND FOUND OUT THAT EQUIFAX HAS DELETED ALL MY POSTIVE TRADE LINES AND PUT BACK FRAUD ACCOUNTS THAT WERE DELETED YEARS AGO I DO N'T KNOW WHAT THEY ARE DOING BUT THEY HAVE RUNINED MY CREDIT AND NOW THEY CA N'T EVEN ANSWER WHY THOSE ACCOUNTS ARE THERE AND WHAT HAPPEN TO ALL MY POSTIVE CREDIT. I SPOKE TO A LADY NAME XXXX NOT SURE IF THAT IS HER REAL NAME. THIS ALL HAPPEN AFTER I MADE A COMPLAINT WITH CFPB ABOUT FRAUD INQUIRYS. ATTACHED ARE SCREENSHOTS ON HOW MY CREDIT LOOKS NOW
For three years, I have been trying to resolve an issue wit Google Payments. I have had an account with them since at least XX/XX/2008. It appears that someone used my information to violate the terms and conditions under my identity and account, as verified by Google. Since then, they have asked me to send them information to resolve the issue. After I sent it several times, they flat out deny to assist me and choose to hold me responsible WITHOUT PROVIDING ANY INFO as to why it happened, how it happened, or who specifically did it besides blaming me. During this timeframe, I was in the process of moving to XXXX XXXX, NV where my identity theft began occurring. I have tried contacting Google several times if not dozens to resolve this issue and they simply deny to assist me or file any claims to dispute the charges, claiming that it is my account and anyone can use it without my permission and it will be considered authorized since it is under my name. That does not make any sense especially with all the fraud going on now days. They will not prove to me or provide to me who did it nor will they fix it for me. They claim they have security measures to prove it is me, but still they DO NOT show it to me or tell me, therefore, how am I supposed to believe them, fix this, or understand what is going on? Furthermore, they are very rude, deny to assist me, blame me, and tell me they can not argue with me or provide any info. During these charges that occurred, my other bank accounts and things in my name were affected, compromised, and opened/closed. Someone used my account for fraudulent things and even my bank confirmed it. However, Google does not want to assist me or take any responsibility. They want me to communicate with them by email even though my email/account with them was compromised/hacked somehow and I do not trust that way of communication, especially since we can not understand each other as well over email than over the phone and to give details. Why would I want to email a department over something urgent and not being resolved correctly?? They keep denying to assist me, will not, and flat out do not have any more info to provide me which leads me to believe that they can not truly show any proof as to it being me since it WAS NOT. I need to use Google Payments to pay for my storage for email that is critical, photo storage, products, services, movies, apps, and other services that require me to use Google Payments. I can not even add a payment method to resolve the balance even if I wanted to nor can I even add a payment method or do anything with the account, therefore, I closed it. I am very frustrated with this situation and am fed up with it. It keeps going in circles and does NOT get anywhere! UNPROFESSIONAL!!
I send a lett  er to Trans Union with a copy of my Virginia Drivers License, a copy of my Social Security Card and a copy of a current bill showing my current address. I asked Trans Union to send me a copy of my credit report as l received adverse action in relation for applying for a loan, i asked them to send me a copy based on this, also they can see the inquirers on my credit report file with Trans Union.
Trans Union se  nt me a letter dated  XXXX   XXXX ,  2017  asking me to send them the same information l already sent them, my wife sent the  m the same request at he same time with me and she received her credit report from Trans Union.
Under the FTC.GOV federal government web page l am entitled to a credit report if adverse action was taken against me. Here is the statement from the FTC.GOV web page : " Under federal law, youre entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action '' So l am requesting your help in having Trans Union send me a paper copy of my report as state by Federal Law. AGAIN THE INFORMATION WAS SENT TO THEM.   Thank You  XXXX   XXXX
Back in XXXX XXXX, I took a loan from a company called " Cashcall '', after a couple of months, they stopped taking payments and said nothing to me. I became concerned that a large payment may be coming so I called them and was told there was a problem with the way they took money, she also said my credit would n't be harmed and I would be contacted. I was n't contacted until now, letter dated XXXX/XXXX/XXXX, post marked XXXX/XXXX/XXXX. If it was n't legal then, why should I think it 's legal now.
After resolving case # XXXX, Seterus has started sending statements that do not reflect the current balance, but a future balance, which include late fees if not paid by a date that is more than XXXX ahead. I have lost confidence in this loan servicing company and do not feel I should have to refinance to get away for them. I am requesting your assistance is getting away from this loan servicer due to their failure to provide fair and courteous service to someone who has an excellent payment history. This company is a collection agency and is acting as if our account is in collections. We should not have to feel that we are under a microscope by the way this company does business. They should not be allowed to act as if you are late, before you are late. The payment was made on XXXX/XXXX/2016, prior to the statement date.
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from XXXX Mortgage a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
My husband past away a year ago and I found out the loan we have with PNC is a interest only loan. We have paid XXXX since XX/XX/2006 and the loan was only for XXXX and I have already paif XXXX. I'm wondering what I should do plus I thought this was against the law and the banks had to notify the comsumer when the housing market crashed due to this kind of practice. I really need help to understand what I should do.
She called me a loser and told me she is going to garnish my wages. I sent a cease and desist letter on this debt, but she said it was sold to another company. She would not give me her name and has called me 6 times after I asked her to stop. I was able to obtain her number she was calling from. XXXX
This complaint is in regards to a tradeline being reported on my TransUnion credit report as XXXX XXXX XXXX. Per the Florida Attorney Generals Office, this loan is in violation of the The Florida Consumer Finance Act, which prohibits a lender, regardless of their location to offer loan products to residents of Florida without holding a state issued license to do so. According to the Florida Office of Financial Regulation 's Division of Consumer Finance, XXXX XXXX XXXX does not hold the required legal license to provide loans in the state thereby making this tradeline invalid by law. Continued reporting of an invalid account is a direct violation of the Fair Credit Reporting Act.
I have disputed this tradeline repeatedly with Transunion only for them to send an e-validation to the lender to confirm my name and address, never investigating the validity of the alleged loan with the appropriate agencies as I have outlined above. This invalid tradeline is being reported illegally by an unlicensed lender and Transunion continues to refuse to effectively investigate this fact, willfully disregarding FCRA requirements.
I am again requesting CFPB assistance in enforcing federal law and having this illegal tradeline removed from my TransUnion credit report. XXXX XXXX XXXX is an online Tribal lender who is not licensed to provide loans in FL. They are illegally reporting this invalid account in an attempt to extort payment from me and TransUnion refuses to perform a simple validation with the appropriate agencies that would confirm this fact. I demand that TransUnion either permanently remove this item from my credit report, or provide evidence that they have validated this lender 's legal ability to enforce this alleged account and it 's reporting.
Closed my credit cards out of the blue, after being a Chase card member for years. I have never paid my bill late and always pay off my balance. I paid annual fees on some of the cards they closed and they were not willing to refund my prorated annual fee. 
I went to use my card one day and it got declined, they could have at least called me or sent me an email to notify, but no they said they mailed me a letter. Well by the time I get this later it is too late, I had to find out my getting my card declined. This is outrageous. I was left high and dry without a way to pay.
When I 'm unable to pay and set up a payment plan navy fed would lock my account and then not honor the payment plan date we would agree on and take more then what was due to be paid and withdraw it 1 or 2 days earlier causing me to get even more behind and frustrated that I ca n't make my payments.
On XX/XX/XXXX I received a phone call and a voicemail was left, saying I owed a debt from U.S. BANK in the amount of {$1800.00} ACCT # XXXX his name was XXXX XXXX, I called him back and told him I never had any debt with U.S. BANK and requested they send something in writing, he instead asked for my email address and sent me a DocuSign document wanting me to fill out and acknowledge the debt. They told me if I didn't do this, they would contact my employer to garnish wages I guess? He's saying the amount owed was from XX/XX/XXXX. I called U.S. BANK to even double check and they even said they had nothing on file with my name on it. He had me listed living in XXXX, XXXX at that time and I am pretty sure I was living in XXXX. I believe this to be a scam and want to report this. The name of the company is XXXX XXXX XXXX they first called me from this number ( XXXX ) XXXX ( XXXX ) then they called again today XX/XX/XXXX from this number ( XXXX ) XXXX ( XXXX  ) both times reciting I call back this XXXX number ( XXXX ) XXXX. I did provide him with my email address so I could respond to the email to have a paper trail and told them that if they want me to pay anything, they need to send me something certified mail with my debt protection rights and the actual information about the debt. I hope this helps. 

Sincerely, XXXX XXXX
On XX/XX/2018 I mailed out a validation letter certified mail for the credit company XXXX XXXX to validate not verify info about this debt and the only thing they mailed me back was a bill. I specifically asked for a signed Aggrement and other supporting documents. They provided me with billing which doesnt provide that Im obligated to pay them anything. They have reported delinquent info that reporting to all 3 credit bureaus that Im asking to be deleted.
I entered Experian website to get credit report. The screen where I was to enter my credit card number to receive this information showed a {$1.00} charge. AFTER I entered this information, the NEXT SCREEN indicated I would be charged {$39.00}. 
EXPERIAN is dishonest and should be fined for this deception.
There has been a house bought in my name and now in foreclosing, car rentals, and many other activities
I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( XXXX, XXXX and TRANSUNION ) about a bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XX/XX/XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.
The individual XXXX lied to me stating that the number he called was my personal number and only one listed he called me at work jeopardizing my job then would not stop and DEMANDED me give him my home phone number or he would keep calling my work number which means I'd get fired. He also admitted he has sent letters and i did not respond so he called this number. I am under NO obligation to respond to his letters.
Franklin Financial reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the Finance Company was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.
I had sent money to two people XX/XX/2018 XXXX XXXX Complete XXXXUSD Tracking # ( XXXX ) : XXXX XXXX XXXX Show details Edit & resend XX/XX/2018 XXXX XXXX Complete XXXXUSD Tracking # ( XXXX  ) : XXXX XXXX XXXX Show details Edit & resend XX/XX/2018 XXXX XXXX XXXX Complete XXXXUSD Tracking # ( XXXX  ) : XXXX XXXX XXXX Show details Edit & resend I had told them that it was fraud, every time I call them I get a foreign person asking me for the XXXX numbers not case numbers this was for loan fraud, I am disputing this matter, I want my money back they have not made a resolution, so I need to complain hank you for contacting Western Union. 


We'll attempt to contact you within 24 hours using the contact information that you have provided to us. 


For your records, your Case # is : XXXX Please note this is an automated response. We ask that you not respond to this email. 
You may also call us directly at XXXX, so a customer support representative can help you. 



Thank you, Western Union Customer Care www.westernunion.com This is the email I keep getting from them, it was fraud, how can you open accounts when you are illegal then use it for scam or fraud to receive money and nothing is done, what part do they not understand, again I had XXXX and are not in the mood for this, I want my money back refunded for fraud, and the person keeps asking me for more for loan transfer I am not falling victim I am not stupid, I do not feel good to go through this XXXX, again I have contacted the number they gave me and they keep asking me for same information over and over again, this is for corporate office, I want a resolution refund back, please advise I am really upset that this is happening. I am not loosing my money I work hard for, got me behind in bills, because of this scam XXXX and and a foreign person on the other end can not help me with my case number.
I have a rush card and I am unable to access my funds since XX/XX/2015 I am a single parent and I am in need of my funds I reported this issue to my employer and my employer stated my funds were already loaded to my Rush Card when I call customer service for Rush Card the first time I waited XXXX hour and XXXX minutes to speak to a representative this was on XXXX XXXX they stated they were going to issue me another card and I should receive it no later than 7 days, to this date I still have not yet received my new card. I have called customer service to check on the status of my account to only be hung up on numerous calls. I am frustrated that no one can help me with my questions I can no longer be without money.I emailed Rush card and no one has responded back to my concerns.
I have encountered several incidents of financial identity theft dating back since XX/XX/XXXX. On XX/XX/XXXX I was notified by a Notice of Adverse Action of a debt I do not owe. A payday advance loan was applied for using my personal information. I did not apply for this loan nor do I know where the money has been used.
I am filing this complaint against Nationstar Mortgage LLC, herein referred to as Nationstar, because of their continuous efforts to attempt to collect on a debt that I dispute they own. My mortgage did not originate with Nationstar. If I recall  Nationstar became my servicer when my loan was in default or they are servicing the debt on behalf of an entity that received the alleged debt while I was in default. Because the entity Nationstar services the debt for received the alleged debt while I was in default, they are " debt collectors as defined by the Fair Debt Collection Practices Act, hereinafter FDCPA, 15 U.S.C. 1692 ( a ) ( 6 ). Nationstar has continually falsely represented the character, amount, and legal status of the debt, and are threatening to take action that is not legal for them to take. Currently, there is a foreclosure sale scheduled on my home for XXXX XXXX 2017. This nonjudicial foreclosure action is in violation of 15 U.S.C. 1692f ( 6 ). Nationstar has refused to work with me in terms of a modification agreement. Upon their refusal to work with me in modifying my loan, I sought the assistance of an attorney. I was informed that based on the documents that are recorded in the XXXX County Recorder 's Office and based on my documents, Nationstar is servicing a debt on behalf of a debt collector who has no rights or authority to the alleged debt or my property. Under the FDCPA, a debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. More specifically they may not take or threaten to possess or disable property when the debt collector has no enforceable right to the property or does not intend to do so. Attached hereto, please find Notices of Trustees Sale evidencing the foreclosure sale set for XXXX XXXX 2017.
I am filing this complaint with the CFPB because Nationstar has blatantly disregarded the law and they continuously harass me about a debt that is not owed to them and falsely represent who allegedly owns it. Filing this complaint was not only necessary but recommended due to their violations. If nothing is done, they will continue with their blatant disregard for the law. <P/>Respectfully submitted, XXXX XXXX XXXX
1. I have complained multiple times over the last twenty years of this problem. But it keeps happening. Another XXXX XXXX ( married name ) information continually gets added into mine. Problem is she has lived some cities I have lived in at various times. But she has also lived other places I have not lived and had never lived at same addresses. Big glaring issue on my report at this time is that I have never lived in XXXX and not exactly sure where it is. It needs to be removed. <P/>2. Also, I have never used the name XXXX or XXXX XXXX ever. It is not my name. Nor is it XXXX XXXX XXXX. I was born with the name XXXX XXXX XXXX. After my divorce, I resumed the use of My birth name : XXXX XXXX XXXX. Usually I do not give out the middle name as I do not like it. Please delete the name of XXXX from my record as it is not now and never has been my name. Thank you. <P/>3. I am really tired of having this other persons info combined into my credit report.
In XX/XX/2016 I noticed a charge to XXXX in the amount of {$390.00}. Immediately I called Capital One customer service to report I did not purchase a ticket on XXXX. The customer service representative cancelled my credit card and issued me a new card. I received multiple letters stating I would not be held responsible as I reported the claim as fraud on my credit card. Last month in XXXX, I received a phone message to call XXXX in fraud protection at Capital One. I spoke with her over the phone and I told her numerous times, this CHARGE to XXXX was NOT MINE. After that conversation I received 2 letters on the same day. One letter stating the issue was resolved and I would not be charged for the fraud charge. The second letter stated I am responsible for the charge because Capital One has me on voice recording stating I made the charge. I called and spoke with 3 managers explaining I would never have said the charge was mine, because it was not. They refused to give me a transcript of the taped phone call. I have written a complaint letter to Capital One and I am waiting to hear from them. I ca n't believe I am going through this with Capital One. I have been a customer for over 15 years. I always paid my bill on time every month and I was fortunate I have not had fraud on my credit card until now. I can not believe they would treat a customer with an outstanding credit score, like mine in this way. I am asking for your help to resolve this issue. All I want is for Capital One to honor their initial decision to remove the fraudulent charge from my credit card. The charge of {$390.00} is currently due on XX/XX/2016 and it is not fair I have to pay for a charge which is not mine. Thank you!
There is a new hard inquiry on my credit report from CitiBank for an automotive loan that I did not initiate. 
I called CitiBank to dispute and was told they do not have an auto loan dept and would not have pulled my credit. They also stated they could not tell me who did because I do not have an account with them.
I owed debts to allied collection service for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but XXXX still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid
Equifax reinserted an account by XXXX Bank and Trust, which the creditor requested to be deleted. This occurred after deleting all of my inquiries and positive accounts for no apparent reason dropping my credit score XXXX points within a month 's time. Enclosed is a copy of a letter recieved from the fdic.