WillisBack/dataset-financial-user-claim huggingface dataset:
A couple of weeks ago, I received an alert from XXXX and XXXX that my report was attempted to be pulled by SynchronoyBank/TJMAXX.  I immediately contacted the creditor and was informed that an application for credit had been requested under my name for an XXXX store card as well as TJMAXX store card. I was instructed that no further action would be taken since i verified that i did not authorize this.  I was never notified by this company to verify my identity although I have IDChecks on my credit agency reports. To my surprise just a week later, a TJMAXX card shows up in the mail in my name from Synchrony Bank at my home address.  I knew this was odd because I DO NOT have mail coming to my home address. Immediately afterwards I noticed that this account has now appeared on my credit reports against my knowledge.I spoke to an agent with TJMAXX/Synchronoy Bank to cancel this account as this is the result of fraud. She advised me that there were no charges on the account and she would submit a request to close it. However, she could not verify that this would be removed from my credit.
I sent XXXX debt validation requests to XXXX XXXX and they have ignored all of my requests. I do not recognize this debt and I need proper validation.
I have written and contacted Equifax so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.
I have a XXXX mortgage with PNC. The interest rate is very high. I have not received a statement for several years. they used to send a letter that acknowledged my payment, but that stopped too. My crime is paying early. According to XXXX of these letters, since I pay early I am not entitled to a statement. I have tried to sign up for online access, but it is not possible. Whenever I try to call the wait is longer than XXXX minutes. for 9 %, it would be nice to get some information about my loan. 

I have attempted to complain directly to the company, but I a form response that ignored my questions. Is this legal?
In XXXX of 2007, my name appeared second on a finance contract with ALLY FINANCIAL to allow my former wife to purchase a vehicle under the XXXX Program. After she made several late payments, ALLY FINANCIAL sold the vehicle for a profit and refunded some of the money to her. Despite that I made none of the late payments nor received any of the proceeds, ALLY FINANCIAL refuses to delete this account from my various credit files.
Contacted student loan servicer ( Navient ) o n  X/X/2017  to  request a copy of the loan promissory note. I spoke with  XXXX  at Navient and was told that Navient DID NOT have any promissory notes on file for m y 18 loans. I  am under the impression that this information has to be provided per FDCPA guidelines, how else would the creditor know how much to collect how often and under what terms? I need to have documentation that shows me that what " they say I owe '' is truly what I owe.
On XXXX XXXX, 2017 I discovered on my own accord that my credit had been compromised by the data breach with Equifax Credit Bureau. At this time I also had my husband check into his status and he too has had his information compromised. At no point since the initial breach, of which the exact date I am not aware, were either of us notified that our information had been at risk by Equifax. Unacceptable. 
On XXXX XXXX, 2017 the company tweeted out a FAKE web address with regard to the above stated matter. A fake website. Unacceptable. At what point does this behavior from his company become malicious negligence on the American consumer? 
My family have all worked very hard to obtain our current credit. Credit, something we MUST take part in. A company who can make a decision on our future, take our most personal of information without consent and view it how they see fit, and decide our future. Yes, we can work hard and pay every bill on time, take our credit seriously and protect ourselves with our purchase choices. But in the end, credit is something you can not " get around '' in today 's life. So how is it that one of the 3 credit bureaus could be so grossly negligent with our livelihoods? Our futures? I want to see that they receive the harshest the government can do on behalf of all of the people who have been affected by this data breach. I want the standards of our information to be kept at the highest level of security. I want to see them not only pay the consumers back the whopping {$1.00} or two we might see in a class action suit, but I would also like the government to investigate and fine all individuals and companies involved in this disgusting act. 
They are sitting by while millions of peoples lives could potentially be ruined by the Nations leading non-violent crime - Identity Theft. Unacceptable.
I have DiTech as a mortgage company. I sent an XX/XX/XXXX payment that they are not posting to my account. In the meantime they are sending me Default letters and ruining my credit. I have called Ditech, and they admit they know I have sent the payment, and they are working to correct the problem. They call harassing me for payment and then say oh we will work on getting it corrected but never do. I have faxed proof of payment and followed all their instructions, but they have already destroyed my credit. We were just reaching grade A credit after a long struggle with bankruptcy. We had planned to refinance away from DiTech, now we are stuck with their rude, insensitive, and awful customer service for years to come.
The issue is with unwanted Credit Card Solicitations from Capital One. 

My name has been 'opted out ' of receiving Credit Card Solicitations with the credit bureaus for several years. 

I have repeatedly received Solicitations for a " XXXX XXXX '' credit card over the past several months. 

I checked to verify that I was still blocked from getting Credit Card Solicitations with the bureaus, and that block is still in place. 

I called Capital One to inform them that they are sending solicitations to people who have 'opted out ' of getting them. 

The clerk on the phone wanted to take all of my personal information before they would contact a manager to let them know that they were getting a complaint regarding solicitations being sent inappropriately. 
The point here is -- If I am getting them and should n't be, so are others. My specific information should not be needed, in order to report a Marketing process error to the manager for further investigation. 

Why would I voluntarily give them my personal information, thereby bypassing the need to check to see if it is acceptable to send me solicitations? If I give them my information voluntarily, that establishes a 'business relationship ' and they can send my any kind of junk. 

CAPITAL ONE : check your Marketing process! Where are you getting your solicitation list from??? And STOP DOING THAT!
My name is XXXX XXXX and I want to submit a claim against Seterus. On XXXX XXXX, XXXX my bankruptcy case was dismissed. Seterus sent me a letter in XXXX XXXX, XXXX before my case was dismissed which was a sign of harassment. I was advised by my attorney that once the bankruptcy was dismissed the " creditors '' would start contacting me, but Seterus never did. I decided to call them in XXXX XXXX to see what was going on and to see what my options were as to where my home would n't be compromised. The phone just rang.. Shortly after I was disconnected. This has been going on for a while. Eventually I went on the internet to send Seterus a request on getting some type of assistance to avoid foreclosure, but their address was n't on the website and it stated that they had a class action going on against them. Since I could n't get in touch with them I assumed they were either out of business or we no longer had any business. XXXX XXXX, XXXX I received a letter from Seterus ' attorney stating that my home would be going up for auction XXXX XXXX, XXXX. XXXX XXXX, XXXX I spoke to a representative of Seterus to see if I could try doing a loan modification and I also requested my original documents stating the business I have with Seterus. The following week, I called XX/XX/XXXX and the XX/XX/XXXX to see why the documents I requested were not sent to me yet. I was advised they ended up sending it to my bankruptcy lawyer after I informed them I no longer had an attorney and they specifically asked for my address to where I wanted my information mailed to which was my HOME address, not my former attorney 's address. Because of their mistake they advised that I should take off work and try to get things handled on my own time. I advised them it was a reason I needed my documents and modification application mailed to me, but it does n't seem like they were really trying to help me. I was also advised that one of my request for my original documents were denied and that they were going to send for the request again. Now, it 's no telling when I will be able to get this information mailed to me and they have my house scheduled for auction on XX/XX/XXXX. I attached recordings of me conversing with a few representatives on different days. PLEASE help me stop this auction I need my home..
As an American citizen, tax payer, voter, customer, consumer, active participant of the community, and one who served our country in the military through the United States Coast Guard, it is deeply concerning to me, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor. I am referring to us members of the XXXX XXXX XXXX ( XXXX ),  and us law abiding citizens who strongly believe in the Second Amendment of the US Constitution, ... the right of the people to keep and bear Arms, shall not be infringed.. Who are the banks to make public policy and knowingly target our rights? That is not their role, and is a form of discrimination and intimidation. Please act swiftly and decisively against such banks, ( Citibank being one of them ), to make them accountable and align themselves with the US Constitution. Thanks so much.
I purchased furniture for delivery at a later date, which I never received. The seller obviously cheated me, and I reached out to my Barclays Card company to apply for charge back. They applied charge back, but refunded the money to seller after 4 months, saying they have the proof of purchase. But I told them the items are never received, nor there is a proof of delivery. Since they messed up the transaction, they are trying to cover it up with different legal terms. I need help!!!
I asked those terms in writing, but they deny giving it to me in writing. After few months, they stopped even responding to my letters.
After a year, I finally saved some money to buy furniture again. But I Lost money, no merchandise, and Barclays messed up my credit history and peace of mind.
i got a call from an asset recovery associates claiming i owe XXXX dollars for a credit card i had back in 2003 for a XXXX ive never had a credit card thru a XXXX that i can remember i asked them for bank information to contact bank but they refused to give me that they told me if i didnt pay it or make arrangements to pay it they was gon na file a judgement against me i talked to someone about this and they told me to contact you
this account was never late, and i have already tried to send letter that was provided by honda fin svs, but XXXX is not trying to help, the other two bureaus have already removed this negative except XXXX, please have this negative removed from my credit on XXXX, the letter from the creditor is attached thank you
Hello CFPB, My name is XXXX XXXX. On XXXX XXXX I went to XXXX -- all products -- credit cards -- See if youre pre-approved before you apply. 

Please see the link for pre-approval Discover card. 

XXXX : XXXX? XXXX I was approved XXXX times with the following text : Congrats XXXX XXXX, you XXXX XXXX for these cards : XXXX XXXX Card and XXXX XXXX XXXX. I decided to go for XXXX XXXX which was 14 month XXXX apr. After I was done with my application I received the following text : " Call pre-approve now.You are almost done. Thank you for your application. We just need a few more minutes of your time. We can help you complete your application quickly. XXXX support is available ''. 
I called and they were super nice. I thought it was the proper way for verification not to go through a new applications. A representative today told me the pre-approval system was down on Thursday-weekend and told me to reapply using the pre-approval again and for the next XXXX times was the same text. A they keep telling me XXXX hours stating that Th Pre-Approval system has been down and they dont even see my completed application last rep I spoke with told me he will forward it to the supervisor and to wait XXXX more hours. after many days and several hard inquires i found that I was denied because a change in my credit report. Nothing changed in my repot, all my credit cards are reported that paid to " XXXX ''. 

I am asking CFPB that the inquires to be removed from my credit report given that it was done under the false pretense that I was " pre-approved ''. I would not, under any circumstances, have applied for this card had it not used text that led me to believe I was already approved. My request is that XXXX to remove any hard inquires that did on my credit reports between XXXX XXXX XXXX XXXX. 

I will NOT accept the hard inquiry being on my report when they gave me false hope that I would not be denied. 
Respectfully, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
I opened a XXXX checking account ( XXXX ) in XX/XX/XXXX. It was linked to a XXXX Savings account ( XXXX ), in order to avoid fees on these accounts. In order to avoid the fees I had to make a recurring transfer of {$25.00} from checking to savings. This recurring transfer went on for several years. Over that period of time, I was told by XXXX different tellers on XXXX separate visits that I did not have to continue the recurring transfer, that it only needed to be set up that way initially. They said I could just discontinue the transfer at any time and no fees would result. So I discontinued the recurring transfer in XX/XX/XXXX. Since that savings account usually does not have much money in it ( I do most of my banking at another institution ), I paid little attention to this account. The other day, when logged into the Wells Fargo iPhone app, I noticed a negative balance in this account. Looking further, I found that the account had been emptied by {$5.00} monthly service fees since XX/XX/XXXX. I was shocked and dismayed. I went to the bank at once and spoke with banker XXXX XXXX, who politely listened to my complaint. She called a customer service representative named XXXX ( who reluctantly told me his last name was XXXX ), whom I spoke to on XXXX XXXX 's desk phone. After hearing my story, XXXX XXXX told me that although the tellers had given me erroneous information, which he said could perhaps be classified as " bad behavior, '' it did n't meet the criteria of " bank error '' and therefore there was nothing that he could or would do. He " reassured '' me that it was a pleasure to speak to me, and thanks for doing business with Wells Fargo. He hoped I would have a nice day. XXXX XXXX informed me that to avoid further fees, I should transfer {$300.00} to that account to keep a minimum balance, and also to transfer an additional {$4.00} to cover the negative balance and an additional {$5.00} to cover this month 's impending service fee. 
I do n't know if the tellers had given me incorrect advice to discontinue the recurring transfer inadvertently, or if they did it specifically to generate fees. It does n't really matter at this point. The fees will total {$70.00}. 
Regardless, this is the sort of predatory activity that the Consumer Financial Protection Bureau was designed to combat. As a mere customer, there is little that I can say myself that Wells Fargo will listen to. I know their behavior is wrong, they know it, and now you know it. 
Please help make it right.
I am unable to Withdraw or Purchase bitcoin via my Coinable account, they currently have {$180.00} of my money and have failed to respond to any emails, phone calls or support requests I have sent after over a weeks time and submitted multiple copies of identification.
FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX
We requested Ocwen f/k/a Homeward Residential f/k/a American Home Mortgage Servicing , Inc. to update our property address on XXXX/XXXX/XXXX and they have not complied with our request. Our property address is still incorrect in their records and now Ocwen has told us they are unable to review our loan modification application for the Making Home Affordable program because the property address on our pay stubs does not match the property address in their records. Our pay stubs has our correct property address of XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen has an incorrect property address for us as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. 

Ocwen is also attempting to foreclose on our primary residence of XXXX XXXX XXXX, XXXX, TX XXXX, where we currently reside and occupy. We have resided at XXXX XXXX XXXX, XXXX, Tx XXXX for 10 1/2 years. Ocwen has our property address incorrectly as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen no longer appears on my credit reports because the property address in their records does not match an address we have ever lived at. 

According to the Ocwen National Settlement agreement with the CFPB and the XXXX State Attorney General Offices, Ocwen is to take appropriate action to promptly remediate any inaccuracies in borrower 's account information. We requested to have our property address updated 7 years ago and our property address still has not been updated by Ocwen and now Ocwen is unable to review us for a loan modification because their files have an incorrect property address of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. 

According to Ocwen, the foreclosure will be completely stopped once the account is approved for the loan modification. Ocwen wants to us provide XXXX financial statements valid within 30 days that confirm we occupy the property. Ocwen wants us to provide XXXX financial statements with an address that matches the inaccurate property address in their records of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. We occupy XXXX XXXX XXXX, XXXX, Tx XXXX. We do not occupy XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, which is the property address that Ocwen has for us. Since we have never resided at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, are unable to provide Ocwen the requested information to review us for the Making Home Affordable program. 

When Ocwen listed our property for foreclosure sale for XXXX XXXX, XXXX, the notice of foreclosure sale has a property address of XXXX XXXX XXXX XXXX, XXXX XXXX. 

According to Ocwen, there is no single investor of your loan. Our loan is supposedly one of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time.
Hello, My identity was stolen and I've been trying to fix it by talking to the company and credit bureaus with no assistance. XXXX  is fraud, and so is the XXXX XXXX account. If someone could please help remove these fraudulent item from my account that'd be greatly appreciated. This has brought my life to shambles.
On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my XXXX and Experian are incorrect and needs to reflect the same as my XXXX credit report.
Equifax credit report includes an entry that my wife and I have a government lean/levy for {$26000.00}. I have a letter from the government stating we do not owe anything. I believe the local county ( either XXXX or XXXX Pa ) added the lean/levy. The other credit bureaus do not have this negative entry. My wife and I are seniors living on a fixed income. 

Please help us. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
so as i was applying for a mortgage they pulled my credit and thats when the lien appeared, I was ordered to pay a lien that I never got the court document for, so a judgement was bought against me and I lost the case because I didnt appear in court .That is totally not right because I didnt get a chance to present my case. And also the company who sold my information without my consent.
I have complained before. I am paying more than the minimum due each month however Great Lakes is not applying any of my payment to principal. There statement does not say how much interest is due each month, only the payment amount, and all payments regardless are applied to interest. How can I ever pay this loan off? Why do they not need to provide a normal loan statement that shows interest charged, interest paid, amount received, and how it is applied? FYI I have an XXXX and XXXX and I 'm an expert XXXX, and I ca n't understand what they are doing. Please help ... As it is, this payment is taking about 40 % of my disposable income.
Seterus, our current mortgage server is trying to pull a fast XXXX on us. We have a fixed rate mortgage at 2.00 % interest, we received a statement this weekend that now suddenly says 3.00 %!
Reported account 30 days past due when they agreed to change due date from XX/XX/XXXX to XX/XX/XXXX of month. Payment was not at any time past due.
I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all three reporting agencies that information they still are reporting XXXX accounts.