WillisBack/dataset-financial-user-claim huggingface dataset:
Following the receipt of my credit report late last year from the XXXX, Experian and XXXX  consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my XXXX, Experian and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
I was not aware that XXXX sold my mortgage to Carrington Mortgage Services in the month of XXXX 2015, until I logged in and found that nothing was working, and none of my loan information was available. I ended up sending an email to XXXX to see what was going on, and they informed me of the mortgage being sold. This was fine, until I went onto Carrington 's online banking site for my Mortgage and found that they had increased my interest rate by one percent. When I called to try and get it resolved, they told me it was my responsibility to fax them the original paperwork for my mortgage with the correct interest rate. I do not feel it is my responsibility to correct this issue, since I never agreed to a higher interest rate and they had made the mistake. I feel like they probably do this to a lot of consumers in hopes that they are not paying attention and will steal more of our hard earned money.
On XXXX XXXX, 2016 I applied and was approved for XXXX credit cards at XXXX XXXX Bank. XXXX credit cards have the identical credit limit of {$3000.00} XXXX credit cards accounts were opened on the exact same day ( Acct XXXX & Acct XXXX ). Unfortunately Transunion has refused to report XXXX accounts because I was told by a representative that they think the accounts are duplicates. Two months ago XXXX XXXX Bank requested that they add the account to no avail. Both XXXX and XXXX are reporting XXXX accounts the only hold out for 3 months is Transunion. Can you please help me because this inaccuracy is hurting my credit score.
I received a CareCredit credit card in the mail. I have never heard of this company and have never applied for credit with them. The account, which I did not authorize, was in my name and had an {$18000.00} credit limit. The account had all of my personal information, including my social security number, physical and mailing address. When I called, I asked to be transferred to Fraud. The supervisor in fraud was nice but would not tell me how they received an application with my name on it. I would like to know how this happened specifically ; Was it an online application? Was it a paper application? Was it done by an employee of this company? I 'd like to know so I can protect myself from this happening again. 

I now have to notify the credit reporting agencies of potential fraud and have any new accounts blocked. This will undoubtedly mess up my ability to receive the best pricing options in the future on purchases.
For about XXXX6 years I have had multiple accounts with Conns XXXX XXXX. NEVER once have I ever missed a payment on any of my accounts during all these years. In XXXX 2015 I was late due to holidays and financial struggles. I am at the time in my life to become a first time home buyer and live the american dream. The 30 day late from conns reporting is preventing me from getting special programs i can be eligble to become a homeowner. I submitted a request for a goodwill adjustment to remove the negative reporting due to me being such a good customer out of all these years and having only XXXX late. I really want to become a homeowner and am requesting they remove this XXXXlate payment from credit reporting to all XXXX credit agencys. I am a good customer and deserve this.
Pursuant to FRCA 623 ( a ) ( 6 ) ( B ), if a consumer notifies you that a debt has resulted from identity theft, the creditor may not furnish information to a credit reporting agency regarding the fraudulent account. I sent a copy of the identity theft report ( attached ) to XXXX XXXX. XXXX XXXX is still reporting this account that was a result of identity theft to Equifax. In addition, I received a letter from XXXX XXXX which I forwarded to Equifax which indicates that XXXX was unable to locate any active or previous loan under my name ( attached ). Neither XXXX nor XXXX were able to verify this debt and deleted this account from my record. It is the responsibility of the creditor reporting the information to update the change with every credit reporting agency to which it reported the information.
We got behind on our house payments, and the mortgage company would not take our money, we had the money to catch our late payments up, they sent us into foreclosure. We got the run around on the amount we needed to send in. We finally got a letter from the attorney stating the amount owed via a certified check. I took the check to the attorney in person and received my reinstatement letter. The mortgage company has not post the funds to the account, they are now telling us that we may owe more on the account. They have had our money since the XXXX of XXXX 2015, we were told it takes 48 hours to post and it has been 4 days. We have gotten several different people and they all give us a different reason. The letter stated that we had until XXXX XXXX, 2015 to pay the total to get the reinstatement, I did this and now they are telling us to call back XXXX XXXX to see if we owe anymore money. They have charged us a " forecasted '' late fee and have also charged us for an inspection done on the property for XXXX that was done in XXXX.
I defaulted on my private student loan account due to a bank error, in which my check was returned although I had sufficient funds to cover the payment. In turn, this caused further delinquencies on my joint private student loan account, which has been negatively reported to the XXXX major credit bureaus. 

Attached is a letter from my bank, explaining the bank error that caused my account to go delinquent in XXXX 2015. I have tried disputing this directly with Navient and supplied them with the a copy of the bank letter, copies of all XXXX credit reports and they have denied my request to remove the negative credit markers against me, even though this was something beyond my control. 
I am asking that the delinquent markers be removed from all major credit reporting agencies.
I had a loan with XXXX XXXX / Cashcall.com / XXXX XXXX XXXX. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.
Due to unethical lending practices and telling me they would help me and that I had options, I used private loans and when I could n't pay them I was told I had no other option - when I did bankruptcy to get some relief from medical and credit card - my attorney would n't file the needed docs and I defaulted. I now owe XXXX and I make XXXX a year. Not only does Navient lie about options and helping you - the only thing they are good at is calling you when you cant pay but not working with you.
To Whom It May Concern, In XXXX ( I believe XX/XX/XXXX ) around noon, my husband and I called Transunion. When we tried signing him up for credit monitoring there was a problem verifying his identity. The representative informed us of a website we can visit so we can get a credit report for him and we can go from there verifying his identity. We waited until XXXX to do so and forgot that website. 
I called Transunion to obtain that website on Thursday, XX/XX/XXXX at XXXX XXXX   CT. I explained the situation above to the representative I spoke to ( but in a little more detail ), I believe her name was XXXX, she did not seem to understand what I was talking about. So, she proceeded to tell me that I can sign up for a transcription online. I explained the situation to her again and told her that all I want is that website address. She asked me questions that were either unrelated to what I was asking for, or she would ask questions about the information I just gave her, which further gave me the indication that she either did not understand or was not listening. She then proceeded to ask me for his social security, I asked her why she wants that, she told me she wanted to check if he has an account with them. I told her that he doesnt, and I am not comfortable giving the social security. 
Her request concerned me because she was willing to give me information and she : 1- can not verify who I am AND 2- she did not have authorization from my husband to give me any information. 
I proceeded to ask if there is another way to get that information, she said to give her his name. She then looked him up and told me that she could not find any information for him. She also asked me what my relation was to him. I said, I stated he was my husband multiple times in the conversation. I ended the conversation I called back immediately at XXXX XXXX CT to talk to a supervisor. I spoke with XXXX XXXX Consumer Relation Department. I asked for his employee ID, he told me that was confidential but gave me his name and position instead. I explained to him the situation above and voiced my concern about the release of confidential information. I told him that if she or any other employee at Transunion is willing to give me that information based on me saying I am his wife, I am concerned someone will call one day claiming to be my husband and will get the information he wanted. He told me he understands my concern, but the employee will not give out confidential information. I told him that according to what happened she was willing to do so. He then started talking about unrelated points and finally told me that he can give me the number to the online department so that we can get an online subscription. He did not even care to ask who I have spoken to. I ended the conversation and called the Consumer Financial Protection Bureau to find out how to proceed in reporting them. 
I am very concerned about the confidentiality of my information! 
I have provided dates and times because Transunion claims to record all calls.
GMAC Mortgage did the exact same thing as you are fining XXXX for, willful disregard for the law while collecting payments through fraudulent intent and bad faith foreclosure negotiations.
I have contacted this company on numerous occassions trying to inform that this account is not mines. I have never had an  XXXX   XXXX  account and to be quite frank I have never even shopped in their stores because they do n't make clothes for my size or style. I contacted them by phone but to no avail the reps were rude as  XXXX . I sent multiple letters asking that they provide me with a contract with my signature and the terms and conditions regarding this account. They pretty much refuse ( see attachment )
the member file was submitted by XXXX on XXXX/XXXX/2016 and the member submitted {$10000.00} to reinstate the loan and then was told it was {$12000.00} dollars and she submitted the money and was told the reinstatement amount was {$15000.00} dollars. She got the funds and submitted the funds and {$2000.00} dollars was kept. the local branch gave her {$13000.00} in plastic bags. She had a police officer help her count the funds and they were short {$2000.00} dollars ... ..
I opened an account with Pentagon FCU in XX/XX/2015. I also had an overdraft protection account of {$500.00}. Sometime the following year I cam behind in payments on my overdraft protection account loan ending XXXX. At that time Pentagon FCU denied me access to my checking account in which I had direct deposit. The froze my debit card in which I would have no access to my money because there are no branches in the state of XXXX, on top of that they required that before I be given any access to my direct deposit that I bring my account current. Even though I told them that I was unable to pay at the time and was willing to work other arrangements. As a result I was unable to pay my rent or car payment and my car was repossessed. Please look into this as I feel my rights were violated. They did give me the option of having my money XXXX XXXX to me but that was only after i brought my account current.
I submitted a loan modification package # XXXX for which I received a forbearance agreement in writing from Ocwen on XXXX/XXXX/XXXX - exhibits attached Ocwen cashed my first check on XXXX/XXXX/XXXX for {$240.00} and according to their letter they stated that " if we do not receive your payment on XXXX/XXXX/XXXX this offer will be considered revoked, what becomes of the written agreement since Ocwen returned all my other checks and stated that no alternative payment arrangements was agreed to? What becomes of my {$240.00} that was cashed and since it was cashed does this not mean that there was a binding agreement? And since Ocwen returned all my other checks do that mean that Ocwen breached the agreement and I became responsible for the full loan amount?
My XXXX XXXX XXXX XXXX credit card : XXXX was lost/stolen on XXXX XXXX, 2018, someone made over {$20000.00} in fraudulent charges/transactions. The fraudulent charges/transactions dont belong to me.
I asked Revenue Enterprises for a debt verification since I have been receiving different debt collection accounts with different amounts. Weeks later a debt collector from Revenue Enterprises called me asking for my spouse, my son, and my personal information. I refused to provide him the information, he threatened me to report me to the credit report agencies and that he was going to damage my credit. 

On XX/XX/2018, they answered my request for debt verification on one of the accounts. I'm still waiting for the other two accounts. I received a statement that only shows the services provided and the amount already paid, but they fail to send me a detailed receipt and they refused to tell me why I owe them this money. It looks like they want me to hand them my money for no reason.
All three credit bureaus are reporting few information on my credit report that are either over 7 years old or incorrect. 

I have written to all three credit bureaus about this and demanded that they provided me with the evidence and supporting documents that they, during their investigation must have asked the credit reporting company. But they ( XXXX, exuifax, XXXX ) have informed me that they have completed their investigation without sending me any documents from the original creditor. But the issues were not corrected. They failed to send me the documents, I have asked to show me that the accounts are reported correctly as they claim. 
For example, XXXX is reporting two accounts ( {$830.00} and {$2400.00} something ). These accounts are reported incorrectly. I have asked them to show me the documents with proof. They have not. 
Similarly, I have an old account ( more than 7 years old ) for the amount of {$84.00}, originally from XXXX XXXX bank. This account is still showing on my report ( all three bureau ). They have not removed it despite my demanding to remove it. 
Then there is a real estate loan account. Multiple banks are showing the same information more than twice. I have asked the three bureaus to correct this error. They have not.
XXXX  and Experian reporting as a balance is owed for The XXXX XXXX XXXX
I have been a long time customer of Continental Finance regular  XXXX. In XX/XX/XXXX, I set up automatic payments for over double the amount due ( {$35.00} ), in the amount of {$75.00}. This went along fine until XX/XX/XXXX when for some reason UNKNOWN to me the company changed their statement date. This somehow altered my due date, which began the string of late fees charged to me from XX/XX/XXXX through today, XX/XX/XXXX totalling {$170.00}, plus the interest -- plus they are also reporting me to the credit bureaus as being late. I manage this card online and since I had the double autopayments going out each month, and I rarely use the card and keep a small balance, I never thought to look more closely at my statements. This late fee kept accruing even though I made double payments regularly each month on the XXXX. Today I spoke with XXXX XXXX at Continental Finance. It took her some time to figure out what happened then she explained to me about the statement date changing in months with 31 days. I could not believe this explanation or this policy. She said she handed this over to her floor supervisor XXXX XXXX who told her there was no way they would pay all these late fees back. should would not let me speak with XXXX XXXX nor would she give me any contact information for him or XXXX XXXX, but did give me the fax number : XXXX. Here is the main customer service number for the company : XXXX I am attaching copies of transaction details as well as my autopayment setup and list of autopayments and when they occurred. At this time I do not know if I will be refunded anything, or if their credit reports will be withdrawn.
I went on XXXX XXXX last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.
Complaint against Performant Recovery , Inc acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX. I have contacted Performant Recovery, Inc several times in regards to repayment arrangements for a student loan. I have never received a return phone call to discuss repayment options only threatening letters and emails. Now I have been sent another letter stating they have reported this debt against my credit. Performant Recovery, Inc does not answer their phones. The few times I have managed to get a live person, I am transferred to my " Account Representative '' to leave yet another voice mail for someone that never calls. The only things I receive are threatening letters that they will damage my credit, garnish my wages and take my Tax Return. These things have already occurred. I have all documentation, dates and names. I need confirmation that someone will actually look into this complaint before spending the time scanning, faxing and uploading documents.
I received a " second notice '' letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX Registered as XXXX XXXX XXXX XXXX saying that they've tried to contact me. I have not received any other letters or phone calls from this company. The letter mentions that I owe {$330.00} to XXXX XXXX XXXX XXXX XXXX, which I also have never heard of, but XXXX can accept a discounted amount to resolve this account. At first, I thought this must be a scam. I googled what to do and decided to write a letter to request validation, but checked my credit report first. XXXX reported it to the CRA on XX/XX/XXXX and the credit report states the source is a medical bill from XX/XX/XXXX ( so they evidently gave them some information about the source, but not me ). I will need more information to determine if the debt is legitimate or whether it was paid. Medical billing is often confusing, untimely, and difficult because of all the parties involved and I'm concerned the claim is so old, I will be unable to find any records. I am now divorced and no longer have access to the same bank account/credit card/etc. 
However, it was wrong of this company to lie about attempting to contact me, make a damaging report without the opportunity to validate or dispute the claim, and to do so on something so outdated.
They only gave a 3 day window to cancel. They also did not disclose that they were a private company and that I could consolidate my loans on my own. Should only be required to pay the {$150.00} which they have already deducted from my account.
To Whom It May Concern, XXXX XXXX has a paid collection that appears on my credit report. I have tried to get this account removed several times and I can't understand why the company has all this power to damange my credit and I have no power to correct it? Why is their word superior to mine? I paid this account before it was a collection ... yet it still shows on my report as a paid collection and that is not right! Why can't I get this fixed?
I signed up for a promotion with American Express to add additional authorized users to my account in XX/XX/XXXX. The promotion was to award XXXX Starwood points after meeting an additional spending requirement within three months. I added four additional authorized users and each met the minimum spending requirements. American Express only awarded the points for one of the authorized users. I contacted American Express around XX/XX/XXXX and they confirmed that I had met with requirements and would post the points within two weeks. After more than two weeks the points were still not posted. I contacted American Express again but was given the same story and that the customer service rep would not resolve the problem.
NOTICE OF COMPLAINT DENIAL LOAN MOD & FORECLOSURE XXXX XXXX ( Borrower ) XXXX XXXX XXXX XXXX . 
XXXX, Ill XXXX Tel. XXXX Re : Wells Fargo Loan # XXXX Wells Fargo wants to Illegally Foreclose my property and also Denied Loan Mode. 
Need help to get Loan Mod & Stop Foreclosure of my house.
Here 's my Chase Bank story. I was reconciling my checking account when I noticed a discrepancy of more than two hundred dollars. I checked the account history and noticed a check, # XXXX, was cashed for XXXX dollars right before the end of the year. What tipped me off to this check was the number. I 'm on check # XXXX now. I do n't right that many checks. This was a check written over 5 years ago to a XXXX tutor for my son. The tutor misplaced the check and requested we send another with my son next time which we did. We still have the e-mail requesting the replacement check. I have had no contact with this person since. When I approached Chase with this issue they assured me the money would be put back in my account that day. It was n't. I contacted Chase the next day and they said they were putting their claims department on it and it might take two days to get the money back in my account. I was contacted by Chase and asked if anyone contacted me regarding the validity of a five year old check and I replied no. The money was put back in the account and I was informed it was still under investigation and the money could be taken back. I asked that they do not take any money out of my account without my knowledge. They took the money back out. I am so done with Chase Bank.