WillisBack/dataset-financial-user-claim huggingface dataset:
I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both Equifax and XXXX have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX. and the Account with XXXX is not mine. 

I spent hours initiating dispute with Equifax online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.
I am a Bank of America costumer and I have had my debit card replaced 3 times in the past 9 months because of a " data breech '' at an " undisclosed merchant. '' Bank of America will not disclose WHO the merchant ( s ) are or the situations leading to the breech. Going thru and updating XXXX auto-pay accts every 3 months is a hassle and as I am the customer, I feel that the absolute LEAST Bank of America can do is inform its customers of how/why my information was released. It 's as though they are protecting merchants instead of their customers
CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.
I have contacted Ally on XX/XX/XXXX via their XXXX contact number listed on the monthly account summary to request why these summaries do not include year to date paid in principal and interest, not just the monthly amount - and was told that was their standard practice. I explained that I paid in excess of the required payment and was concerned the excess was not going to principal as the finance charges appear to increase month to month. 
I was transferred to a manager after requesting so since the response received about how interest is applied ; the agent for ally said its computed daily, and my agreement was for an annual interest rate - daily interest is not detailed in the summary or in the document I signed for the loan. I request statements be sent to me showing me the monthly principal and interest ( finance charge ) and the effect it was having on my outstanding balance - I requested those statements be sent immediately. The manager said they would call back and confirm the statements were on its way the following day.
On XX/XX/XXXX I contacted Ally via their XXXX contact number to explain I did not receive a call back, and needed confirmation the statements were being mailed to me. The agent said I should expect to receive the statements in 3 - 5 business days. 
Its XX/XX/XXXX and I have not received the statements. 
The truth in lending statement does not fairly disclose the types of finance charges, and interest and payment activity that if made on time, would lead to final interest and finance charges over the period of the loan - its less than I am actually paying ; the monthly summary does not provide month over month accounting of payments made and the impact to principal.
omni Financial is still reporting my account as delinquent and the account was included in bankruptcy. I sent out a dispute letter to each credit bureau and neither have responded or try to fix the issue with the inaccuracy.
XXXX, Equifax , and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.
XXXX XXXX XXXX  Total amount owed {$4300.00} XXXX XXXX XXXX   Total amount owed {$1500.00} XXXX XXXX Charge off account XXXX XXXX XXXX  Charge off account. ( {$470.00} ) XXXX XXXX XXXX   Credit Card Charged off Account. ( {$4800.00} ) I was XXXX  XX/XX/2015 and served 5 years with half time for my XXXX  XXXX. The police have my property ( wallet & Jewelry to my room mate without my consent at the time of my XXXX. My room mate then used my cards and maxed them out, emptied the {$3700.00} in my bank account and used my leased vehicle without my consent or knowledge. There is no way for an inmate to cancel their cards, make payments or even contact the merchants. I knew he was doing these things and nothing I could do. I was only just released from XXXX and the room mate " XXXX XXXX XXXX '' is deceased and so I can't even file a police report against him. All my mail was returned to sender, these credit card companies dint give me the statements to my cards si that I I can dispute what is and isn't my charges. I've started to pay off these debts knowing that part of charges are mine but I know I only had about 3,000 in debts. The XXXX XXXX I never signed up for and has told them from day one that it is fraud and I suspected XXXX without proof until after his death in which his mom found past due notices in his desk at his moms home with my name on it. 

What do I do? I'm willing to pay for part these charges but not the amounts they want especially since most charges are fraudulent. Please help, I'm trying to put my life back together.
I pay all my payments but now they are paying me ghostly charges that I do not know what that {$260.00} colleague is and they say that if I do not pay them they will send me to collection and I do not know what to do because I paid too much for the ( Breach ) of 2017 of XXXX
XXXX XXXX I was no longer a XXXX XXXX XXXX and I was having trouble paying my student loans. A few months later I applied for forbearance as well as an income driven repayment plan. On XXXX XXXX, 2016 I received a letter from Fed loans explaining that my application for administrative forbearance was approved. The approval was backdated to include the dates of XXXX The approval dates means that retroactive forbearance should apply to the late payments for the months of XXXX, XXXX and XXXX XXXX Based on this new information all XXXX credit reports should be updated to reflect the change. The late payments were accurate at the time, however based on this new information it should be updated. 
Based on 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 
All XXXX credit reports should be updated to reflect the new information.
I was offered a Credit Card with no interest until XXXX of 2017. I was charged interest starting in XXXX of 2017. When I realized in XXXX that they were now charging me interest, I immediately paid off the card and asked for them to remove the interest charges. I 'm XXXX years old, an invalid, and my sole source of income is from Social Security. I got their card because there was no interest until XXXX of 2017.  Now they wo n't cooperate and remove the bogus interest charges. I closed the account and I plan on paying NOTHING more to Citibank. I 'm in contact with the Area On Aging 's lawyer and I am NOT paying those BOGUS interest charges.
Pnc banks eliminated one of the few remaining customer service benefits. The machine that accepted your coins and provided you cash in exchange. Not only do they hold my money and pay no interest, now they have discontinued one of the few banking services I actually value. I guess they really do n't want bricks and mortar locations. Another consumer takeaway.
I have a loan with TD Bank in the state of Maine. My loan term was getting ready to expire and my statements reflected that I still owed another {$7300.00} +/- after the term was ended. I have been trying to get answers for the last two years as to what I need to do to fix this issue. I have even sent in financial paperwork for loan extension with other questions and was only told that the loan could not be modified and at the end of the term it would go to collections. I was trying to be proactive, to see what I could do to work this out with the bank, but would wait on hold to even reach someone for over 30-45 minutes and they would tell me I needed to speak with someone else. This would again place me hold for a long time with the same results. Just recently I sent an email to their online general box and have had no return response and it has been a few days. So still no answers and the term is now ending XXXX XXXX, 2017
Wells are not responding with solutions to our problems ; They writer have not followed thru with promises of settlement they offered ; Here is a total succinct summary of Wells ' offers and settlements needed ; 1 ) Well 's offered to delete the " late payment '' charges of about {$5000.00}, but have not followed up with confirmation of this. 

2 ) Well 's have not confirmed the amount of additional income needed to qualify for a modification based on our recent application for a modification. If we had this we would know what to aim for, instead of this lack of transparency. 

3 ) We must reach a solution so we know what is possible ; In the event we sold, because we cant keep going under this XXXX at XXXX years old and in ill health would Well 's give us the promised {$10000.00} relocation amount promised, based on our XXXX application on which there is no current change. 
4 ) Where action is required by Wells when and how will they act. 
5 ) All this points to a being current, one way or another in the next six months, if Wells will be more XXXXtransparent and answer the question in full..
To SELECT PORTFOLIO SERVICING INC Attn : LEGAL DEPARTMENT   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX  cc : Federal Trade Commission Office of Inspector General " Room  XXXX    XXXX   XXXX   XXXX  .,   XXXX   XXXX  , DC   XXXX    Ref. : Select Portfolio Servicing Acc #  XXXX  NOTICE TO DISCLOSED DEFAULD DATE AND PROOF THAT STATUS OF LIMITATION HAS NOT EXPIRED This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to SELECT PORTFOLIO SERVICING ( SPS ) to disclose the following information regarding the loan account #  XXXX  : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.-   XXXX   XXXX   XXXX   as Trustee 's Headquarter address and agents, all information, but no limited.
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On XX/XX/XXXX  in response to Violation of Statute of Limitation,   XXXX    said Consumer Financial Protection Bureau that it has conferred with SPS and SPS does not agree that the Statute of Limitations for this debt ( account ) has expired, but failed to state the Default Date. Select Portfolio Service Inc. has failed and refused to provide the above information since  XXXX .
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Sincerely,   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  (  XXXX  )  XXXX
This is not my loan and I did not take this loan out. 
This is a fraudulent loan and this is not my signature or my date of birth nor my ssn I have sent in proof to the collection agency who is trying to garnish me as well as the servicer/lender of this loan. 
I have submitted multiple documentation explaining and proving that this was not my loan, not my address, not my ssn, not my date of birth and not my loan. 
Please help me resolve this as I am having difficulty with the collection agency and servicer about getting this resolved and discharged. 
This loan was taken out the same time I was enrolled in a different school in a different state. I can not be a two places at one time. 

THIS IS NOT MY LOAN!
I purchased a   XXXX    XXXX   XXXX  from DriveTime, their  XXXX , MD office. Within 30 days of the purchases, I 've had to buy  XXXX  front tires 2 times. My front tires were wearing down to the metal treads wit hin 4-7 days.      When I bought the second set of tires the mechanic realized that the drivers side front shock spring was broken. I thought it was something I had done but the mechanic said that whoever inspected the car knew about it because they put a zip tie on it. I looked on the inspection order and noticed that the company had marked that suspension as a pass.     They also marked the windshield as repaired, there had been a chip in it when I purchased the truck. Well, that " repaired '' chip had grown to a full crack that stretched across the bottom of my windshield. Also, they had on the inspection order that my rear rig ht brake was repaired ... not true. That brake is ro utinely engaged while I 'm driving. It 's gotten to the point where it is now digging into my rotors so now I need those as well. As a sidebar, the AC does n't work but that 's not a safety issue.      So I contacted Drive Time an d told them what was going on. They told me to call  XXXX   XXXX  which was there extended warranty company. I did that, told them what was going on, they basically kept repeating that they only work with engine problems ... essentially telling me to get lost, that 's my lost. They did n't even have the decency to give me a detailed response. They just kept repeating that they only cover the engine and then left open silence to influence me to disappear.     So  I called Drive Time again, they 're throwing me around to customer service. After 4 tra nsfers they 're still trying to avoid the repairs but they want me to get it looked at with a full diagnostic at one of their partnering shops. It 's getting frustrating. I 've never had a car buying experience like this before.
repeted phone calls 5 -10 times a day. block number so they call from different number.
On Experian there has been items on that do not belong to me and other people Social Security Number is link to my credit report the had me married to my mother had several incorrect mailing address and things that was satisfied or good standard as negative and they reporting thing from XX/XX/XXXX or XX/XX/XXXX. Please investigate XXXX, Experian, XXXX for there reporting policy and procedure and ensure that are following United States Federal Regulations also check phone line option it did not give you a choice to speak to customer service representative because I call prior to going online to dispute item on my credit report what they do when you have a customer that do not have access to internet we do not have the right to dispute the item on my report. Please this is problem that occured and why does it take so long to receive a credit report.
I have had a Capital One credit card for years. The rate on my card was at 12 %, about the time the credit melt down happen Capital One increased my interest rate to 17 %. I was XXXX day late in making my payment, but feel the rate increase was excessive. My balance on my card is about {$18000.00} so this rate of 17 % makes it very hard for me to pay down. I have always made more than the minimum payments required but still do not see any relief. Please advise.
Our situation is a little different than the typical " student '' debt situation. My husband graduated in XX/XX/XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with XXXX came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share 1 bedroom, no insurance and lots of debt. The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!
Our property was stolen in illegal forclosure action by OCWEN IN 2012. 
WE WERE NOT NOR WERE WE EVER IN ARREARS AND HAVE BANKING DOCUMENTSTO PROVE IT!!. 

OCWEN became our servicer after the original bank XXXX XXXX XXXX was raided by FBI for fraud.The CEO WAS creating fake accounts using our and other clients mortgage payments to secure TARP money being doled out by Obama Admin ... There has been a recent consent judgement against OCWEN since this occurred we have been before PA superior Court BEFORE THE CONSENT JUDGEMENT the court did jot perform due diligence on our behalf ... a gross miscarriage if justice nor did they follow rule of law relating to standing and OCWEN NOT HOLDER OF OUR NOTE ... we have a case that we plan to move for ward on against several including PA AG OFFICE ... GOT INCLUDING CFPB ... YOU WERE COMPLICIT IN THAT YOU DENIED OUR REQUEST FOR HELP AGAINST OCWEN THAT WE MADE IN XXXX SEPARATE COMPLAINTS ... .YOUR REPLY TO US WAS THAT.OCWEN DENIED ALL SAID VIOLATIONS ... YOU THE CFPB TOOK THEIR WORD AGAINST THE TRUTH AND OUR PROOF. 
Several firms have stepped forward to take our case filing some XXXXplus charges XXXX of the charges will be levied against CFPB ... the response letters from CFPB are stunning in context ... ..our lives were violated by banking fraud and a subsequent crime by OCWEN a company that you investigated for clear violations of banking law. The following fields will be marked regarding loan ... because your site does not offer SPECIFIC ENOUGH reasons bother than surface loan info to catagorize this complaint..I want this to be acknowledged in effort to avoid more excuse from CFPB for not performing their job as taxpayer entity.
It was a Cell phone bill owed to XXXX. However the amount of {$450.00} was paid in full to XXXX with a XXXX balance prior to going in to collection. Collection Agency, DIVERSIFIED CONSULTANTS keeps calling and demanding to still collect debt. They still have collection account on my XXXX and XXXX files. i demand that this company stops calling me and remove the item from my XXXX and XXXX credit report immediately. i do have proof of payment on the account with a XXXX balance attached.
On my credit report, it shows I have an missing payment in XX/XX/2017 which I think is an technical error on bank system because for 2 years before and after that it's always been on time.
This is a follow-up to complaint XXXX about AMERICAN EXPRESS. 
American Express responded on XXXX/XXXX/17, but only honored the rewards deal by giving me credit for the XXXX XXXX points. They did NOT credit my account for {$50.00}, instead stating that I would " receive separate notification about the {$50.00} statement credit and appropriate remediation once it has been resolved if you are eligible for the credit. '' I have not received any further communications from American Express. It has been over two weeks and many months since I should have received the credit. I do not understand their delay or any possible explanation why I would not qualify given the terms simply required the credit card be used one time within the first 3 months. I satisfied that requirement within days of receiving the card. 

I have grown very tired of trying to get the rewards offered by American Express. I think they are getting away with making promises and not living up to them which is really despicable!
Bank of America keeps reordering debit card transactions in various ways that does n't reflect my debit transactions. I 'll have a zero transaction and all of a sudden an old debit is processing or they change the order causing me to have less than what I previously had. I also had an incident in XXXXXX where I was charged an overdraft fee, and I had put enough money in my account to cover it. Had I not caught it, the charge would have stuck. My purchases should not be shuffled or debited by large to small but as I purchased. I 've complained about this before. The womam from bank of America who called was extremely rude and I would not speak to her.
I accessed my Equifax Credit Report and see that the information regarding my credit worthiness is wrong. On my Equifax Credit Report it does not show my current personal information and does not show the current credit card accounts that I have showing my excellent credit score of XXXX like it shows on XXXX  and XXXX XXXX. I feel this discrepency is affecting my ability to get better offers for credit cards or loans.
In XX/XX/XXXX my husband had the internet account and I had landline account. We moved addresses together and XXXX merged the accounts without our permission. When they did this an erroneous balance was created. XXXX claims I was making payments to the wrong account number ( which they had merged/changed without notifying me ), this was not true. I dealt with XXXX in XX/XX/XXXX after I received a collection notice and after HOURS of my life wasted chasing down tickets was told the issue was resolved. Imagine my surprise when 2 years later, in XX/XX/XXXX I received a collections notice stating I owed XXXX {$210.00} from XX/XX/XXXX. I have spent many hours creating a new ticket and trying to reconcile this. XX/XX/XXXX- 40 minutes with XXXX , being told ticket was pulled from collections and being investigated XX/XX/XXXX- 36 minutes with XXXX told ticket XXXX would take 2 more weeks to process and to call back on XX/XX/XXXX XX/XX/XXXX- no notification about any resolution, received call from collections agency. 
called and was on hold with XXXX for 20 minutes before being hung up on.

I need help please.