WillisBack/dataset-financial-user-claim huggingface dataset:
Last month XXXX/XXXX/2015, I filed a complaint with your organization under complaint # XXXX,, because Equifax continues to knowing and intentional report information that they know at face value is inaccurate. After my complaint was filed with your organization, they claimed to have opened a new investigation and that they never heard from me on the matter before my complaint to your organization. Well Today, I received a letter from them dated XXXX/XXXX/2015 indicating that they completed the investigation and the information was verified accurate and nothing was changed despite the obvious face value inaccurate information is truly conflicts with all the currently reporting on the report
On XX/XX/XXXX one of my clients paid an invoice that I sent to him via PayPal. PayPal elected to place a hold on my funds, which could extend up to 21 days, in lieu of receiving verification that the customer received their product. I called to explained that I am not an online seller. I provide services directly to the customer and use PayPal only to ensure that my clients receive a itemized invoice of their purchase.

The representative explained that " certain '' accounts are subject to such holds. However, based on their published information, I did not meet this criteria ; which submitted to her. Well this particular account, which is 1 of 3 and designed to be my personal account, was opened earlier this year. Thus, it is considered " New ''. I explained that I have been an account holder for well over a decade, maybe even two. This is when the rep. agreed to reduce the hold to just 10 days. 
On the XX/XX/XXXX my funds were made available in my PayPal account. I promptly initiated a transfer to my bank account, because I knew that it would take 1 business day. Here we are on XX/XX/XXXX and my funds are not only not in my bank account, but they are still showing PENDING in my PayPal acct. I called AGAIN and was given a song and dance that amounted to PayPal arbitrarily holding onto funds to stall their release, even though they are collecting a fee for this service. Now my funds are expected to post in my account no later than XX/XX/XXXX. It will have taken two full weeks for me to receive payment for services that have already been completed and delivered to my client. 
Though I have been a PayPal account holder for a long time, these arbitrary money stalling techniques that they have resorted to using to skim additional money off of transactions that they are already charging a fee for is so disruptive to one 's business that I am contemplating closing all three of my accounts.
I initiated a Dispute with Equifax my on XXXX XXXX, 2016 and since then I have disputed this creditor XXXX XXXX three time as Fraud/Identity theft. Equifax refuses to remove it from my file. 
Dispute Case Numbers XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016
I have contacted Experian, but they wo n't discuss anything with me or allow access to my report.
We did a XXXX in XX/XX/XXXX, our loan was later purchased by Nationstar. We have complied with all terms and have had early payments for all 6 years, and have received annually the XXXX incentive credit on our account each XX/XX/XXXX for 5 years. We have now reached the XXXX anniversary of our trial ( XX/XX/XXXX ) and should be getting the final XXXX incentive. I was told 4 times by nationstar it would be applied in XX/XX/XXXX XXXX specifically the XX/XX/XXXX ). It was not. they are now saying " XXXX ''. However, we have intended to pay off this loan and specifically waited until this amount would be applied in XX/XX/XXXX. Our loan will be paid off in appx. 10 days. I believe they are intentionally delaying so the loan will be paid off and no incentive payment will then be paid.
My personal identifying information may have been mishandled by Equifax during the Equifax leaks of XXXX to XXXX of 2017. Upon submitting an inquiry through their official website, Equifax was unable to deny mishandling my personal information or credit history.
Property damage loss occurred on XX/XX/18. I paid {$6300.00} on XX/XX/18 for a plumbing repair caused by a covered peril ( lightning ). I received the settlement letter from XXXX  dated XX/XX/18 and received my check on XX/XX/18 payable to me and Suntrust Mortgage. Per Suntrust procedures I had to endorse the check and send to them along with the 16 page adjuster worksheet, I received my endorsed check back from Suntrust on XX/XX/18.

I called my insurance company ( XX/XX/XXXX ) and asked why the plumbing was not included in the initial settlement when the loss was caused by a covered peril - the claims adjuster made the correction and issued a supplement to the settlement and I received the reimbursement check sometime during the week of XX/XX/18. It was made payable to me and SunTrust Mortgage.

The manager at my local Suntrust branch told me to follow the same procedures as the first check - I endorsed and sent via XXXX to Suntrust on XX/XX/XXXX along with my proposal dated XX/XX/XXXX and invoice dated XX/XX/18 from XXXX XXXX. I was expecting to receive my endorsed reimbursement check back from Suntrust by XX/XX/18. I called them on XX/XX/XXXX to get a status and was told they were holding my check because apparently it was not clear the invoice was paid in full so I submitted my paid receipt and a copy of my credit card statement showing the charge made on XX/XX/18.

On XX/XX/18 Suntrust has cashed my reimbursement check and is holding my money and a check will be made payable to me and my contractor. I received a letter requesting a revised adjuster worksheet, contractor proposal, contractor waiver of lein and contractor W9. There is no revised adjuster worksheet, I have already submitted the contractor proposal plus my invoice and paid receipt. I called XXXX XXXX XXXX to get the lein statement and w9 - the job is done, and paid in full by me on XX/XX/18, and they have no need to get involved at this point.

On XX/XX/18 my claims adjuster submitted a letter to Suntrust on company letterhead stating the check issued on XX/XX/18 in the amount of {$4300.00} was intended to be a reimbursement to me for a repair paid in full by me. XX/XX/18 Suntrust acknowledged receipt and continues to refuse to release my money.
I 've learned that Equifax may have compromised my personal information including name, DOB, social security number and address from online news reports. Even beyond this outrageous failure, I was not notified of this by the company or automatically enrolled in an extended protection program. It seems that would be the least they can do. The 90 day protection is pointless because this information can be used 100, 200, or 1000 days from now to fraudulently open accounts in my name. The government should step in now and make sure anyone whose information was compromised is secured from fraudulent activity, where there is additional verification of identity for these individuals. I do n't trust Equifax to do this properly since they have failed so awfully in literally the one thing their business needed to get right.
i am struggling to get financing to go back to school, due to the fact that i have over 79k in loans that i am expected to pay back on a XXXX year salary. this is nearly imposisble for me as i am a father of XXXX and have no other source of income. when i went to XXXX i had no idea the cost of what college should be and now i have learned that the caliber of education i received does not equate to almost 100k, i wish to learn more about the CLAss action lawsuit against Navient that is being pursued by you. XXXX XXXX and XXXX forced me to believe there school was the only one to attend and they had the best education for my money, i was wrong and i continue to be stuck in a career pit as i can not afford a better education. please contact me
My mother passed away XX/XX/XXXX. We had a home equity line with Bank of America which matured that month. I went to bank after holidays approximately on XX/XX/XXXX to submit papers of her death had death certificate and statements of the account. The representative inputted in their computer and told me a loan office would contact me. I was never contacted. I waited because I had some health issues I once again went to bank of XX/XX/XXXX with a friend and got a runaround they did not have record of my mom 's demise and they wanted me to have a power of attorney. They did not want to communicate with me because I was n't on the account. I had to resubmit the paperwork and still got a runaround till at last they received everything and I was put on the account. I thought I applied for loan remodification but they sent me a denial letter telling me because my mother was dead they could n't do anything. They once again have been sending to all the different departments but XXXX good thing they did was give me the number to HUD which I contacted he went over my finances and said that I could take on this loan as remodification and was appalled when I told him I got a denial letter. He is the one that gave me your information please help. I feel the bank is trying to take over my house. They once again have sent me to a different department the loans but I feel they are going to reject because they said I would have to pay the whole loan before they even talk to me. Please help
I was a victim of this Wells Fargo matter : http : XXXX XXXX Wells Fargo banker named XXXX ran my credit without my permission to open a business line of credit. As a result, a credit inquiry was charged against my credit report ( s ). I called Wells Fargo shortly after this happened, and Wells Fargo stated that they were unable to remove the unauthorized credit inquiry from my credit report ( s ).
We purchased a purse from a business that described it self as Coach, selling hand bag, in leather. Upon receiving the bag we discovered that it was neither a Coach bag nor was it in leather. We contacted our bank, USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX and submitted the information requested. We had tried to contact the merchant but the XXXX number was not the business and also noticed that the item was shipped from XXXX XXXX. 

With that information in hand, my bank further demanded that we either get Customs to validate it was not a Coach bag or to take it to a Coach Store and have them document that it was indeed not a Coach bag. We contacted Coach and were told they would not provide such document. ( why would they want to get involved ) .So our bank has stated that unless we obtain a letter from Coach, the charge back request would be denied and that we are out the money. 

We believe that such a requirement is burdensome, beyond what should be ask from a customer to supply, and unrealistic for a consumer to obtain.
Experian credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from experian and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. Experian should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again experian will not let me on to dispute this account
XXXX XXXX 2014, I initiated disputes XXXX regarding the removal of account reporting on my credit reports that did not belong to me. Subsequently, XXXX proceeded to investigate and found that the information was incorrect and the accounts ( XXXX ) including this account were deleted from my credit report. XXXX Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have disputed these entries via CFPB disputing process ; today I received another copy of my credit report and although they stated in their response to my prior dispute that the account was not reporting on my credit file, they are incorrect as it is ( please see page attached ) they still have chosen to do nothing. I am requesting for the fourth time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.
After receiving a seniors tax break on my home, the Loan Servicing Company ( LSC ) reduced my monthly payment. Soon after, the County raised my taxes by about {$320.00} per year and my homeowner insurance went up {$20.00} per year. Now the LSC wants me to pay them {$1000.00} more per year to make up for the {$340.00} change. The {$90.00} per month increase is considerable when living on Social Security. 

I called the LSC and they offered to adjust the increase to about {$60.00} per month, but that is still a lot under my circumstances. I asked them to waive their cushion of nearly {$300.00} to help absorb some of the shortage, since it was their calculations that contributed to the problem. They would not agree. 

I had to ask three different people before I could get someone to provide me with your agency name so I could ask for help. I hope you can help with a more reasonable solution to this situation.
I purchased a vehicle 1 year ago the vehicle in the past 4 months now has been having start issues thinking it was something wrong with the car I spent money trying to fix it i then took the car to a mechanic shop who determined it was the past time sensor. I took the car to get a second opinion who also determined this. I contacted the company about 1.5 months ago to get this fixes the Company since then has been giving me the run around saying the company they use is based in Florida and have to call around to get an installer in my area. I asked the manager who I have been dealing with XXXX what would happen to the repair bills, tow bills, and lost of work they stated that they could not give me an answer from there it has been call after call with noone to help and everyone XXXX me around with no answer i finally took it to the place the recommended and the gentleman said he could not recreate the problem because the module had been disconnected for so long. I explained this to the bank so because of all the trouble said they would defer 1 payment for me i did n't realize what she meant because she was making it seem that they would cover the payment vs reimbursing me. I have every conversation with this Company and they are very unresponsive, rude and do not want to reimburse me OR help me with the situation.
Someone named XXXX XXXX called claiming I was being served at my job between the hours of XXXX and XXXX XXXX CST on Monday, XXXX XXXX, 2016 and was told to notify my supervisor that I will be served at my job as well about this but did not know what it was about. Was given a case number of XXXX. Contacted the company today and they identified themselves as XXXX XXXX XXXX. Gave them the case number and the person put me in contact with " XXXX XXXX. '' Well, this person who said she was " XXXX XXXX '' suddenly said her name was " XXXX '' and that I was sued by Cash Call and there were XXXX charges against me. I asked her to send it to me in writing and she refused to send me anything.
I applied for credit solely and when they asked for my tax returns they came back stating the only way they would make the loan to me was that my husband would have to be on it. They stated that as we file jointly they require this. I explained to them I am allowed per federal law to obtain credit solely. All income but $ XXXX is mine. 

I requested that the XXXX Manager call me and received no call. 

They are in violation of federal law for requiring my spouse to be on the loan.
I fell behind on my Navient school loans and have made several calls/attempts to try to get on an affordable repayment plan. I have been told based on my family size and income that i can afford ( x ) dollars and it just is n't feasible. I have asked on several different occasions to work in another type of repayment plan and have been told that due to my income and family size this is what a piece of paper that the person on the other end is looking at is what i am able to afford. That is not the case at all. I would like some guidance as they have been submitting to the credit bureau my shortcoming of payments and its is personally affecting my credit score and opportunities for future purchases.
I am being harassed by a debt collection company called Northstar Location Services LLC, looking for someone with the same name as me. My wife and I have verified that we are not the individual for which they are trying to collect a debt, yet we are harassed every day by this company. I spoke to an individual named XXXX XXXX tonight and he tried to tell me I owed money. I told him I was not who he was looking for and verified by year of birth. When I asked to speak to XXXX 's supervisor he hung up on me. I want this company to cease the harassment of my family. 

http : //www.thenorthstarcompanies.com/
XXXX   XXXX   XXXX   who brokered a title insurance policy th rough Fidelity National Title Insurance  appointed by  XXXX   XXXX  Bank failed to provide clear title or inform me of title issues by the time I purchased my property  XXXX   XXXX   XXXX ,  XXXX  NY  XXXX .  XXXX  brokered with a California division outside of NYS who have been unresponsive to my letter of inquiry . ( Fidelity National Title Insurance Company with the address o f  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  California  XXXX .  XXXX  failed in it 's fuduciary responsibility to be a neutral par ty ( Trustee or Beneficiary ) to   inform me of changes made to legal title and what appears to be a factious foreclosure or property abandonment whereby  XXXX   XXXX   XXXX . self assigned themselves to create a new mortgage lien in   XXXX   under the guise of a loan modification and awarded themselves over {$38000.00} of which no accounting has been presented to me. My property has a clouded title whereby it appears that  XXXX  entities  XXXX   XXXX   XXXX . has a lien and  XXXX   XXXX   XXXX  also had or has a lien and securitized interest in my property. I have had no dealings with either of them or anyone else and it was the trustee 's responsibility to do what was proper by me and in compliance with the SEC and tax laws. It appears that some other " unknown '' entities with judgments unrelated to me have been attached to my property in the  XXXX   XXXX  land and Court records by the law firm  XXXX  of which I have written a letter to the  XXXX   XXXX  Clerk  XXXX   XXXX  to correct and remove This complaint is in relation to previous complaints I have  made with CFPB on   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   .
This Apex collection report showed up on my report magically without any warning this year. I need this false report removed immediately! I have been sending in a report every week and will continue to do so because I feel this is criminal activity and they should be fined at the very least or do jail time. I need something done about both Apex slanderous accusations or I will be hiring an attorney. This is most definitely criminal activity and needs to be resolved quickly. No one in my family has ever in thier life been to a neurologist. No one from any hospotail has ever contacted me regarding any {$15.00} balance owed for anything or else I would have asked for paperwork. Why did both of these {$15.00} charges just show up a couple of months ago when I supposedly owed it from 5 years ago? Remove it now!
Ditech Mortgage Compay tried to defraud me out of {$96000.00} through Home Loan Specialist XXXX XXXX XXXX # XXXX by charging me closing costs of XXXX and appraisal fee of XXXX, tax service of {$85.00}, Flood Certification Fee {$4.00} and credit report of {$4.00} for a total of {$710.00} + {$91000.00} = {$92000.00}. Plus Homeowners insurance of {$340.00} which was not included in the original quote from Home Loan Specialist XXXX XXXX XXXX, so now the damages are {$340.00} + XXXX = XXXX. In addition Ditech Mortage charged me another {$600.00} for homeowners insurance of {$600.00} and City Property Tax of {$1500.00} for a total damages of {$91000.00} + {$600.00} + {$1500.00} = XXXX. Ditech & XXXX XXXX wanted me to sign this this agreement even thought it was wrong. Home Loan Specialist said that I needed to sign it and it would be corrected at a later date. This is for Ditech Loan Escrow No. XXXX. During the Month of XXXX 2016.
After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report that there is an account in collections with XXXX XXXX, account # XXXX. I requested that I would like some type of verification for the supposed debt that was bearing my signature, and I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Collection company who stated that did not own debt but was trying to collect on it. sent certified letters to hospital and collection company to validate. hospital did not respond and collection company said I was not entitled to this information. Collection company sent computer generated forms. During my process of trying to get validation collection company after being notified continued to attempt to collect and reported adverse information to credit agencies damaging my credit history.
Hi, I have a case number with CFPB ( Case number : XXXX ). I would like CFPB to continue pursuing this case on my behalf to get a successful resolution from Discover. Thank you!
I previously filed a complaint with CFPB about a State Lien being reported on my credit that is not mine and I had gotten a letter from the courthouse that said I do not have a lien in that amount, with my social security number and my address of XXXX SC XXXX. I diputed with Transunion and they did not delete. I then sent a Method Of Verification that by law needs to be returned in 15 days and all I received was a letter talking about disputes but not showing any method of how it was disputed. I am trying to buy a house and they have ruined my credit. They have violated the credit reporting act by not reporting who gave them these results as the courthouse did not
Transunion website has not allowed for electronic disputes to be filed for over a year now. I have an invalid debt showing in collections on my credit report but yet can not dispute it.