WillisBack/dataset-financial-user-claim huggingface dataset:
All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. XXXX WITH A SECOND HACK ON XX/XX/2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.  Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.
CCB/PPC XX/XX/2016XXXX. 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



AD ASTRA REC XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX AD ASTRA REC Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Item Results Result : XXXX, XXXX XXXX XXXX XXXX. 
Dispute Reason Ownership : XXXX. 
AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AD ASTRA RECOVERY SERVICES Original Creditor XXXX XXXX TX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} High Balance {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, TRANSUNION, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing.
I sent the attached letter to Navient/  XXXX   XXXX   XXXX  disputing the late payments on my credit reports. Navient did not respond at all. As explained in the letter Navient never informed me they were reporting negative information after  30  or 60 days. This is a FCRA violation. They report the negative information at 90 days late. Protections in the FCRA were designed to inform consumers when negative information was reported. When they do not report the information until 90 days late they are both ; not reporting information accurately, and not giving consumers the notice the FCRA was designed to give. These loans are paid in full. They were paid in full as soon as the obligation was communicated. It does not matter if Navient believes they are doing consumers a favor by not reporting at 30 or 60 days late. It is not accurate and a FCRA violation.
There is a collection account appearing on my Equifax credit report that the reporting agency has acknowledged to me is fraudulent and should not be associated with me. 

An earlier problem that I encountered in my attempt to resolve this issue was previously submitted to CFPB under Case Number XXXX. At that time, I was having problems getting Equifax to provide " a description of the procedure used to determine the accuracy and completeness of the information. '' As a result of that previous case number, I did receive that information. 

I then contacted XXXX XXXX XXXX, the company that was reporting this collection account to Equifax , to find out why they had this erroneous information on file. A summary of the interactions I had with XXXX can be found in the attached XXXX file. Note that it was established in my first call to XXXX that this was a fraudulent charge and that I then spent the next few days fruitlessly trying to complete their process to finish resolving this issue. When it became clear that phone calls were not going to resolve anything with them, I sent the referenced letter. I did receive one callback ( finally ) from XXXX on XXXX XXXX ; I was not home at the time, but returned the call at XXXX ( ET ) that day, once again leaving a message with all of my contact numbers and imploring them to please call be back. As of today, XXXX XXXX, I have not had any further contact from them. 

Meanwhile, I sent a letter to Equifax on the same day as I sent the letter to XXXX ; see the attached Equifax Statement.docx. This was to inform them that the collection account reported by XXXX was fraudulent and that I wanted them to add the statement contained within the letter to my credit file. In response to this, Equifax opened another dispute ( Confirmation Number XXXX ) and put a fraud alert on my account with them. The result of this reinvestigation was delivered today - see the Equifax Dispute XXXX XXXX XXXX XXXX screen shot of the first page of their report. Once again, Equifax is not acknowledging that this account is not mine and should not be listed on my credit report. In addition, the statement that I asked to be placed on my credit file is not there - the full reinvestigation results document included a version of my credit file as of XXXX XXXX, and the requested statement is nowhere to be found on it. [ Note : I did not submit the full document because it includes sensitive information like my SSN and, as a PDF file, is difficult to extract into another editable format that would allow deletion or redacting of the sensitive information. ] At this point, I feel like I have done everything I can to make this right with both XXXX and Equifax , but somehow it 's just not getting through, and would appreciate any assistance that CFPB could provide to get this resolved.
I filed a complaint against Equifax less than 36 hours ago with you the C.F.P.B. and my credit score dropped XXXX points. 
Nothing on my report has changed, yet my score dropped XXXX points. 

I say nothing has changed or happened except the complaint I made against Equifax which is true but in all fairness this happens all the time. 

By this happens all the time, I mean my score drops all the time by XXXX to XXXX points without any explanation as to why. 

Not a big deal unless you 've spent the last 8 years trying to get your score fixed like I have and these little score hits happen every month. 

XXXX points each month equal up to be XXXX points each year! 
It would make more sense if I did n't pay them each month for the ability for me to check my score daily if I want to, but I do pay them for this lousy service and have. 
I 've had this monthly subscription with Equifax since XXXX. 
paid them {$20.00} each month, {$240.00} each year and over {$1000.00} since XXXX ( give or take a few months )
I gave my daughter {$160.00} to deposit in my account at the ATM with my debit card acct : # XXXX, however, she went to the drive-through window. Even though she did not have a deposit slip the teller took the deposit, there are two accounts, but the teller placed the money in the wrong one, which causes the account to go in the negative when my XXXX  XXXX XXXX check presented to the account. I discovered the problem on XX/XX/2018, and contacted the bank immediately, the funds were transferred to the correct account by the bank rep : however, they refuse to return the {$37.00} overdraft fee. I would be very appreciative if you could assist me in recovering this fee. Thank you in advance. 

XXXX XXXX
My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
I am a victim of fraud. On XX/XX/XXXX I made a deposit on my checking account with a Cashier 's  Check provided me by a supposed employer, to perform an assignment, in the amount of {$2800.00}. I withdrew {$2400.00} from the account on XXXX when the funds became available. 

On the XXXX when I checked my account on-line to see if I had received my unemployment deposit, I discovered my account was overdrawn a little over {$1800.00}. I ran to the branch to find out why. I was informed the check deposited was fraudulent. 

The bank should not have made the funds available knowing I never had funds in my account since XX/XX/2017 to cover those funds. The cashier was not savvy to realize when cashier check was given was fraudulent. 

I spoke to a customer service rep in the bank and said they could not help me. They did not report my complaint to the fraud department. I proceeded to call the police and make a report. 

On a later date I went to another TD bank branch and the customer service rep was very helpful. He reported the incident to the fraud department and sent them documentation showing clearly I was a victim of fraud. 

The customer service rep. proceeded in assisting me with closing a savings account I had and open a new account so I can do my bank transactions since the other checking account was under investigation. 

I am claiming the previous balance estimated around {$200.00} and my unemployment check which were taken from me and overdraft fees due to this incident. 

Please see documentation attached.\ I re-deposited the sum of {$1700.00} cash into another checking account as per the instructions given me by the employer to the same branch on the XXXX. The account was then restricted.
I purchased a hot tub from XXXX XXXX on their web site. On XX/XX/2018, I was charged {$2800.00} for the hot tub. On XX/XX/2018, I was charged again for the same amount of {$2800.00}. These charges were billed to my Discover card. I called Discover right away when I learned of this duplicate charge and they opened up a dispute case. They eventually closed the case in XXXX XXXX favor leaving me stuck with a double charge to my discover account. Since then I have reopened this dispute several times with the same outcome. Everyone I have spoke with at Discover customer service agrees that this is obviously a duplicate charge yet this remains unresolved almost a year later. Every bit of documentation proves the case in my favor and yet they still determine the charges to be valid. The documentation provided clearly states that I purchased and received 1 hot tub. My billing statement clearly shows I was billed twice for 1 product. I do not understand why they don't get it. Discover even said that the two charges both have the same unique transaction number that is attached to purchases. This case should have been resolved 10 months ago in my favor on that bit of information alone.
During XXXX 2017, I paid XXXX two payments for my XXXX package. They took more funds from my account than authorized. I submitted a unauthorized transaction to XXXX XXXX XXXX and asked them to put a stop payment on any other transaction by XXXX. Since this time, our account have been charge over {$48.00} in bank return fees for the same {$140.00}.
XXXX XXXX XXXX reports account opened in XXXX XXXX. Info is incorrect, account was opened in XXXX and included in bankruptcy. Original creditor sold account to XXXX XXXX XXXX. This is affecting my score. Please have them remove this incorrect info from all three bureaus.
Citi credit card was closed in XX/XX/XXXX. A credit for XX/XX/XXXX {$69.00} was issued to that card by XXXX XXXX but the hostile and dishonest Citi Bank refuses to talk with me on phone and send me my money which I'm owed. 

Citi Cred card end in XXXX XXXX This another example of hostile and unprofessionalism at Citi Bank Card cards.
I wish to file a long overdue complaint against XXXX XXXX XXXX and Green Tree Servicing LLC, now Ditech Financial LLC. I apologize that this is happening so late and I wish I had more pieces of documentation to include, as I have spoken to so many people over the last few years and was told I had no other options and thus, I foolishly shredded some of the old forms when I also had to purge some of my mother 's old documents. However, I kept my log notes and with that, I will construct as detailed of a timeline as I can to explain how horribly I have been treated by both companies and how my health, current mortgage and living situation are all still being impacted by this ongoing display of poor communication, truly unconscionable customer service and what appears to be all-around unethical business practices. 

I have witnessed extreme unprofessional behavior and poor communication as well as feel I have been treated unbelievably unfairly for over 6 years by not XXXX, but XXXX companies ; though all are inter-related in regards to my initial application for the Making Home Affordable Program in XX/XX/XXXX, up to the present as my mortgage and supposedly also my HELOC has transferred hands now 3 times, even after I was told my HELOC was closed in XX/XX/XXXX. Yet, each company blames the other. yet offers me no formal options and has prevented from refinancing, as I am still sitting at 7.125 % interest and have dealt with so much, both XXXX and financially these past 6 years and this is my last hope for justice and resolution. I am not sure what exactly to mark below, as you will see this complaint/issue crosses several areas. 

Please refer to my very detailed letter and all of the subsequent attachments.
I have 2 banks XXXX XXXX that I owe {$2000.00} and Santander bank that I owe almost {$3000.00} that I cant be able to open an account someone used my id and social to obtain a debit and credit without my permission and I was told to pay it back to the bank when I haven't opened the account. I have a lot of fraud going on someone is using my information to open accounts and using my name to claim I did and I am responsible to pay back every penny. I also confronted it to the bank but they cant be able to help me. Please help how can I can go about doing so. thank you
For the last year I have been back and forth with the credit bureaus about a Bank of America account that is reporting on my credit report I really don't remember having a bank of America account. The credit bureaus keep responding stating that I should contact Bank Of America because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with Bank of America which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the account is reporting on my credit report
Paypal decided to shutdown my account arbitrarily. And are currently holding my balance of {$1900.00} and are planning on holding it for 6 months. In addition to that, I have additional {$360.00} in ebay gift card they are no longer honoring. I 've contacted paypal and ebay several times and all they do is bounce phone calls back and forth. And blame each other. Someone has to be responsible for returning the gift card balances back.
My mother passed away XX/XX/XXXX, at that time her Nationstar Mortgage account was past due {$1500.00}. In XX/XX/XXXX a cashier check and XXXX money orders were sent to Nationstar in the amount of {$1600.00} with a letter from my Attorney. They applied {$800.00} and I requested they research the other {$800.00} since no one was able to tell me where this money went. We sent proof of payment with copies of the money orders and the cancelled cashier check. Payment was sent monthly to Nationstar but unbeknownst to me the payments were short ( XX/XX/XXXX - XX/XX/XXXX ) but cashed by Nationstar. I discovered through calling the money order company " XXXX XXXX '' that the Money orders sent with the cashier check in XX/XX/XXXX were returned to them. The XX/XX/XXXX payment was also sent back to the XXXX order company. The payments for XX/XX/XXXX - XX/XX/XXXX were returned to my address and I received a Foreclosure Notice. The statement due on XX/XX/XXXX was for the amount of {$5000.00}, I submitted a payment of {$5500.00} through Certified Mail on XX/XX/XXXX. They did not apply this amount to the account and returned the checks to me on XX/XX/XXXX indicating this was insufficient amount and that {$6000.00} was due. The next payment is due on XX/XX/XXXX, the statement amount is {$5900.00}. I have tried to make the payments to Nationstar Mortgage, tried to contact the Assigned Foreclosure Prevention Specialist XXXX XXXX several times but this person has only returned my call once and he left a message. I have spoken with him once. Each time I have called Nationstar I have gotten a different story as to how much is owed, where to send it and if the account is still active. I need assistance with getting this account current. 

Any assistance you can give me would be greatly appreciated. 

Thank you, XXXX XXXXcell XXXXhome XXXX
I owe a debt of {$3600.00}. I'v gotten four letters from this debt collector in the same month of XX/XX/XXXX and XX/XX/2018. I called and told then I was on SSI. I was told to send in an Award Letter which I did. Along with the Award Letter I sent in a Judgement Proof Letter. I called a week later after receiving the second so called Summons to  ask if it was receives. I was told it was on file.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
I am in the process of completing a deed-in-Lieu on my property through Wells Fargo Home Mortgage. I unfortunately have a lien against my home in the amount {$8000.00} that is preventing my property from completing the DIL. The lien holder is refusing to accept any amount other than what 's owed in full before they will remove the lien. Even when I requested an affordable repayment to remove the lien, the answer was still no. I contacted the XXXX for help, but their payments were just as much as my monthly mortgage payment. As a result my property will now go into foreclosure. I 'm working very hard to prevent that by working with the lien holder and the junior mortgage holders on my account. But I feel like I 'm spinning in circles. The junior mortgage and lien holders are giving me a hard time. And I 'm not getting any real assistance direction from Wells Fargo. I need help. Please help me. The mortgage company did grant me some additional time to gather the documents I attached. But time is running out.
XXXX, XXXX XXXX and Experian are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.