WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/2018 I received a report from the lexisnexis company that explained the furnisher of their information was XXXX, and included their contact info. I received the attached email explaining their process for releasing information and how I can see the information being released. I then registered and found that te information that lexisnexis is providing in their report of me is inaccurate and I demand to see the docket report or proof of the information they provided to the national credit bureaus under my name and government issued social security number. the two bankruptcy cases being inaccurately reported under my name is XXXX, XXXX,
XXXX charged my account {$12.00} even after I checked it as " Do not renew ''. This is for a XXXX account. This was paid for on a pre paid card through XXXX. I called XXXX, explained the situation and that they have done this before. They said can not refund and did n't care that I have had this situation before and been refunded once already.
The account has been dilquent past the 7 year mark. I allegedly opened this account as a student for a student loan. I believe this was predatory lending because I was under the impression that all my loans were under the Department of Education. The representative at Bank of America stated that this loan was based on my income and when I asked what income I wasnt working she couldnt provide any information. At the time I did not know what I was signing and was misled by Bank of America. In addition this loan was sold by XXXX Bank of America to another department in Bank of America in XXXX but has been dilenquent since XXXX. I asked the company to show proof that I made a payment which ai didnt because I didnt recall the loan intitally because I thought all of my loans were all in consolidation. The account is still on my credit report and it should n't be.
On XX/XX/XXXX I went onto XXXX  XXXX online to check my score through there XXXX XXXX there were Credit inquiries on my report that I don't recognize because I never authorized any of them or signed anything giving anyone any right to run my credit on the following hard pulls I am being accused of. 

XX/XX/XXXX XXXX through experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all on Experian
XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX Website : XXXX // XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Paid only one payment of 3 of ( XXXX ) Payment Method : Credit Card Subject : Defraud Company posing a people that can help you get lower rates on student loans. I spoke to the representative and based off of my financial issues they guaranteed a payment of XXXX dollars with current provider XXXX. 

They asked for 3 payments of XXXX. Of which I paid XXXX payment. Their loan specialist would then work with XXXX to lower my student loan payments. 
Their partner processing company XXXX XXXX asked for my last year tax statements and two recent pay stubs. 

About two weeks later they sent me a mail saying that they lowered my payments to {$1300.00} ( The initial payment was XXXX dollars ) and they would have a renewal rate confirmation coming from XXXX XXXX the loan provider ) within XXXX days. 

This immediately struck me because I they gave me a number to reach and it could not recognize my SSN through the XXXX number to cross verify what was talked about. I was not able to reach anyone so I called XXXX directly. 

I ended up Talking to a representative at from the number listed on XXXX 's site and found out that that the number The Student Loan Help Center provided was false and they never at any point reached out to XXXX on my behalf. 


The company guaranteed a rate of XXXX payments and after the payments for 10 years the loan would be forgiven over the phone. 

I also spoke to XXXX the only way that a loan could be forgiven was if I worked for a full-time non-profit Or was a teacher at a title 1 school. 

I have since then I negotiated with XXXX on a payment plan and stopped payment to XXXX XXXX XXXX XXXX XXXX for misrepresentation services. 

I have also recieved a deliqent payment mail from XXXX XXXX XXXX XXXX XXXX / XXXX demanding payment within 7 days or they are going to file for collections against all three credit bureaus and also file a report to the IRS. 

So I have have filed a claim to the State of Florida Attorney General, The Federal Trade Commisson, Created a new ID on FASFA, Filed a claim to the Dept of Edu, and notified all three credit bureaus
I contacted Wells Fargo regarding a credit card account opened under my name back in 2015, an account used by my mother whom did not pay off the outstanding balance resulting in a charge off. I contacted Wells Fargo to settle for the asking amount and prompted them to update and contact the credit bureaus to remove the derogatory account off my credit report. However, they did not. I initiated a dispute through XXXX  yet the issue persists. Now my credit report dropped from XXXX to XXXX on XXXX credit reporting.
I 'm receive letter from Ability Recovery Services LLC,, with false Account #, Amount and Debt. I do n't have any business with this company or XXXX XXXX XXXX XXXX
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
I have got mail today XX/XX/2018 that saying XXXX XXXX XXXX has purchased the above referenced account and is to whom the debt is owed. They telling on the letter I owed XXXX XX/XX/2018 Amount Due I'm confused I don't know why I owed that it not telling enough information why I owed that. Very Confused.
We bought a car that had some issues that was not disclosed. My wife contacted a lawyer here in Texas and come to find out if you find where the vehicle is advertised at a lower price that you paid the company can be made to pay you XXXX times the difference. We kept the vehicle in an enclosed storage waiting for them to come get it. We went to an arbitration with them. They agreed to take the vehicle back with us owing nothing. Also they paid us well over {$20000.00}. We call them due to bad credit report and they tell us dispute and we will not respond. Well guess what 7 years later it is still there being 7 years old should be removed.
When I first learned I was eligible for PSLF in XX/XX/XXXX, I immediately contacted FedLoan Servicing to transfer ALL my federal student loans to FedLoan so I could participate in PSLF. A FedLoan rep talked to me on the phone while I logged onto StudentLoan.gov and made the request. I also signed papers Fed Loan sent me. I clearly stated I no longer wanted any in-school deferment and signed a waiver.
However, FedLoan only transferred and re-consolidated {$94000.00} of my federal student loans. In XX/XX/XXXX I discovered XXXX/XXXX XXXX XXXX still held approximately {$32000.00} in federal student loans. I immediately contact XXXX and FedLoan Servicing to request the loan be transferred to FedLoan and re-consolidated to participate in PSLF. I resumed making payments on those loans in XXXX or XX/XX/XXXX, and have continued making payments to this day.
It took FedLoan seven months ( and over six phone calls and three complaints ) to finally transfer my loans. The loans were transferred XX/XX/XXXX.
Despite filing frequent ECFs, FedLoan has refused to designate any qualifying PSLF payments towards those loans. The first time I called about this, a manager told me she had no idea why those loan payments were not counted towards PSLF. She told me she would start a six month review.
When I called today, a representative told me those loans had been put into an administrative forbearance from XX/XX/XXXX to XX/XX/XXXX, and again in XX/XX/XXXXto XX/XX/XXXX. The loans had not even been transferred to FedLoan at that time, they were still with XXXX. BetweenXX/XX/XXXX and XX/XX/XXXX I made repeated requests to XXXX and FedLoan to transfer the loans and reconsolidate for PSLF. I made payments during the time, worked full time at a qualifying job, and was not in school.
My FedLoan account number is XXXX.
Over the past 4 months I have made several disputes with Equifax & XXXX regarding fraudulent accounts being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The accounts in question are XXXX XXXX XXXX ( {$620.00} ), XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$520.00} ), XXXX XXXX XXXX ( {$150.00} ), XXXX  XXXX XXXX ( {$140.00} ), XXXX XXXX XXXX ( {$40.00} ), XXXX XXXX XXXX ( {$38.00} ) .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP P.S Why is XXXX XXXX XXXX and XXXX XXXX XXXX showing up twice on my credit report?
XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX Todays Date : XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

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/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 Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX
I ca n't get my money of my card even when it 's showing up. Now I 'm behind on all my bills everything getting cut off and they adding late fees XXXX transaction they took all my money off and it was never received by the company. I been without my money for two week this is so frustrating. Who gon na help up get our bills back on track. I 'm finding me a lawyer and another card company. Been with this company since 2009 never again will I do this. I have a daughter at home and a father who is XXXX
Estimated time of Federal Banking Misconduct involing Chase Bank/Chase Mortgage is 12-months. Chase Mortgage has utilized unfair and discrimnatory practices in order to 'solicit, entice, and force ' the Mortgagor to refinance a Mortgage whose fixed-terms are less than 8-years to complete payoff. The first tactic, on behalf of Chase Mortgage, began in XX/XX/XXXXby sending the Mortgagor unwanted, unrequested, and dubious joint written and verbal communication regarding refinance offers which had an offer expiration at the end of each month ; Often written communications would be sent via XXXXdelivery requiring signature as it were a serious legal matter, turning out to be nothing more than 'aggressive solicitation '. Further, after each written solicitation, verbal voicemail messages were left by Chase Bank Mortgage finance division. In XX/XX/XXXX Chase Bank did 'unlawfully ' manipulate, block, and lock online access to Morgagor 's mortgage statement which had been accessible and linked with other financial products held by the Mortgagor such as credit cards, checking accounts, etc. Subject blocked and locked mortgage financial data 'purposely prevented the legal Owner ( Mortgagor ) from viewing accurate payment posting, balance due without calling to speak with the same department involved in the agressive solicitation. Also at issue is the Mortgagor receives a 'real-estate property tax bill ' each year along with Chase Mortgage and has 'pre-paid ' this amount in full ; Thereby forcing Chase Mortgage to place said funds in Escrow and preventing future 'scam corporate advances ' to the Chase Mortgage account. Summarily, blocking online access to Morgagor 's Chase Mortgage statement is akin to placing funds in a bank account and not be permitted to see the 'consumer product for which one is paying ', with a goal of PAY-OFF!
CRA violation no knowledge inaccurate accounts appeared on my Transunion Credit report. FTC ID Theft report # XXXX
I spent months working with my builder, loan officer, escrow company, title company, and mortgage company to ensure that my total cash to close and my monthly payments would be what they promised. One day after closing on my house, I received a notice that my mortgage payment would be increased from {$1500.00} to {$1600.00}. 

They state that my escrow account is underfunded and those the need for an extra {$110.00} per month. Why was n't this brought to my attention when I was signing documents? Why send this notice one day after I 'm locked in? I ca n't help but think that something underhanded has happened.
I have an Account appearing on my credit report named XXXX XXXX. I have contacted both the company and the credit bureaus trying to have this removed. The credit bureau kept saying it was accurately verified. I made contact with both the credit bureau-Experian & XXXX XXXX to ask for proof of how. When I called XXXX XXXX they stated that I do n't have an account based on my SSN. When I contact Experian they said the company verified the account. I have sent multiple letters and made multiple phone calls that this info is not reporting correctly on my report and should be removed. 

I have done further research and this company " XXXX XXXX '' is not licensed to collect in my state " Louisiana '' per https : //coraweb.sos.la.gov/XXXX
I sold a couch for {$190.00} and received payment for said couch on XXXX XXXX, 2015 via PayPal. When I tried to submit the payment to my checking account PayPal locked my account and on XXXX XXXX, 2015 they stole {$83.00} from me. They say that it is " deducted funds from your PayPal account to resolve your negative balance account. '' When I called to ask about the negative balance account, they said it was in reference to a chargeback for a transaction that occurred roughly 10 years ago with a PayPal account connected to a XXXX email account I lost access to nearly a decade ago. They did not provide any details regarding the transaction. Regardless, this is far beyond the 4 yrs. statute of limitations in California for collection of debt on account per Civ. Proc. 337. I received no notice about this until I called in in 2015 after they took my money.
on or about XXXX XXXX 2015 my husband and I apply for a business commercial for the company in the name XXXX and this bank know that my husband already have an account with the bank. and that we have good credit on all of our account. .. the branch manage of the bank said went you and your husband apply for the commercial account. please contact bank and explain to card service about the inquiries that being use for personal and business account and in your house hold. that why we have so many inquires. I do not belief that some one who is already a good and loyally customer at the bank would be get denial just because of a score and a number and not look at the fact these is our loyally customer. is it because of our age. it can not be because our good credit. because you will not can not find any information to warrant a denial in my credit file. my fico is a XXXX, we want to stop use my credit for business. and build the business credit line. I think its unfair to being denial base on a score with out look at my husband account that already with this bank. if we are not approve. we can not get the tax credit at the end of the year. that why we apply for a business commercial account. so we could get the tax credit to writer off company expense and stop use personal credit for the business..
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " Chase '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.
To Whom it may concern : I previously had a lease with XXXX XXXX from XX/XX/XXXX to approximately XX/XX/XXXX for a XXXX XXXX XXXX XXXX, which is now free and clear of my name. During the period of the lease I received numerous billing inconsistencies from XXXX XXXX, stating time-and-time again that I owe them additional money for fees associated with personal property tax that the county bills the leasing company, and they in return pass the fees on to me for payment. After receiving the personal property tax bills from XXXX XXXX, I remitted payment for the specific amounts in question for each bill I received ( attached ). However, after paying the tax bills to XXXX XXXX I continue to get letters from them stating that I owe money for the tax bills. I have tried several times to resolve the dispute for well over a year now with no success. The latest letter ( attached ) states that I owe them {$4000.00} for taxes, with no itemization as to what the actual money is for, other than it 's for personal property tax. Earlier in the year when this came up I went to the county to pull the personal property tax records for the vehicle, and then compared those amounts to the electronic payments that I made to XXXX XXXX for those amounts ( also attached ). Moreover, the money they are seeking now does n't add up to the total amount of tax owed for the vehicle which makes the case even more perplexing. 

I 've attached the latest letter from XXXX XXXX along with the county tax records for the vehicle with the corresponding tax payments I made to XXXX XXXX during the period in question. I would appreciate the CFPB intervene to help resolve the matter. 

XXXX XXXX XXXX
On XX/XX/XXXX ( Sunday ), I made a mobile deposit which places a hold ; however, it posted to my account on XX/XX/XXXX which Regions charged me a {$36.00} overdraft fee. My balance with the deposit posted was {$63.00}. Supposedly, they say my deposit is not " available '' until XX/XX/XXXX ; however, if that was the case, it would not have posted to my account on XX/XX/XXXX. They are erroneously posting overdraft charges which should not be incurred. I can provide sufficient documentation to show this. Also, the customer service representatives thru internet banking keep contradicting themselves. This issue needs to be resolved. 

I was sent a letter by the company ; however, unfortunately, I do not agree with what is in their letter to me. My deposit of {$110.00} was available to me as it posted to my account that night which my total balance to pay items was {$780.00} ; therefore, there were no charges posted that would have caused an overdraft fee of {$36.00}. They are saying that my deposit was not available ; however, if that was the case, it should have still been pending, NOT posted to the account. A statement of account has been provided to BBB. The charge should be reversed.
My Chase account being overdrawn when speaking to Chase, I have several tickets XXXX and I can also have a ticket # XXXX amongst other tickets. Please replace those overdraft fees and thank you.
In the previous Complaint number : XXXX - I sent to XXXX I said the following : " Please reach out to the credit bureaus as well as XXXX XXXX to remove 4 people from receiving offers at my address. These 4 below people DO NOT live at my address and are not associated with me or any of my family members in any way. Please remove from getting unsolicited offers from these people specifically for any bank as well as XXXX XXXX. I received 4 pre-qualified offers in the mail for these 4 below people. We do not want to receive these again, please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I did never say in any way that I wanted myself to be removed from pre-screened offers ... I said I do not want to receive pre-screened offers for those 4 people specifically. So now theres a separate issue. I myself, XXXX XXXX want to receive pre-screened offers. But i do not want to continue to receive those 4 people information to our address.
State GovernmentRef : XXXX Tax Lien - Filed State GovernmentRef : XXXX Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.
On XX/XX/2018, I submitted to Wells Fargo Dealer Services via a certified letter a request that they cease their unauthorized hard inquiries to my credit report and that they contact the credit bureaus to have them removed. I stated that to my knowledge, I had not signed any document authorizing their organization to view my credit history and therefore, their inquiry violated the Fair Credit Reporting Act, Section 1681b ( c ). I also asked that if they were in possession of any document that they believed authorized them to make the inquiry into my credit report to provide me with a copy for my review. 

In responding to my letter, instead of providing me with a copy of any material they believed authorized their review of my credit report, the company stated " they completed a through review of your situation '' and that " research '' indicated there were applications submitted on my behalf. They did not provide a copy of these applications as requested in my letter. 

In my XX/XX/XXXX letter sent certified mail, I asked that if you were in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, that you provide me with a copy of the document. Instead of providing a copy of the document, you chose to submit a letter that claims to have verified the validity of the inquiry. This is not sufficient under the law. As an initial matter, the other company listed in your letter is not listed as the one requesting the inquiry, but your company is. Given this, you are a furnisher as defined by 16 C.F.R. 660.2 ( b ) because you are an entity that furnished information relating to me ( the consumer ) to one or more consumer reporting agencies. 

Since you did not produce any evidence that I made the inquiry authorization, I demand that your unauthorized inquiries from my credit profiles are removed. Further, I also demand that you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.