WillisBack/dataset-financial-user-claim huggingface dataset:
Someone offered to pay my car note for me, but he paid for it online.He obtained my car account number.now he is threatening to use the my information such as name, address, birthday, etc to get another driver license and get credit in my name.I trying to prevent this from happening.I am working on getting my credit score up and I do n't need anything negative to affect it
I originated a Discover personal loan at {$4500.00} 6 or 7 months ago have made XXXX payments = $ XXXX on time never late and show owing $ XXXX bottom line is the interest being charged is shady. In review of statments some payments the bank took {$20.00} and applied to principal and the remaining {$95.00} is applied in interest? The on other statements its more evenly distributed. Is this fair? The bank can chose to randomly change the amount of principal and intrest applied from payment? Had i known it wasnt going to be an even and fair disribution of my payment i would of never took out this loan. There is no where to view the actual $ amount charged in interest on the loan. The bank only shows how much of the payment they applied to interest not how much was charged. Its shady and DISCOVER PERSONAL LOANS should be held accountable. I feel like ive paid an accessive amount of interest for only having originated this {$4500.00} loan 6 months ago
I recently requested a refund of my credit balance and I was told that a check will be mailed to me. I had previously used XXXX 's bill pay services and used linked banks to pay the balance. I received a letter today, XX/XX/2018, saying my credit balance of {$2300.00} was sent to " the financial institution where the most recent payments were withdrawn. '' I call to find out where the money went and I was told most likely XXXX bill pay services since that is where the most recent payments were made. 

I went to check with XXXX. They have never received such refund and I also checked all the linked bank accounts, none has received the refund. 

I request further investigation and documentation on where my refund has been sent and received so I can track it down.
Updated case number XXXX. I have been writting letters to Trans unin credit reporting agency to remove inaccurate information from my credit file from company named XXXX with account number of XXXX. My request for removal has not been honored as a result negative information continues in my credit file. My request for deletion is based off of my rights under the Fair Credit Act, due to creditor not complying with written notification to validate claimed debt. I have requested that Transunion validate alleged debt by notice of original signed contract as stated I entered into binding me to obligation of debt. In addition I have requested for legal proof that alleged debt statue of limitation has not expired. As of today I have not received an justifiable reason from Trans union with reasoning of why negative information from XXXX remains in my credit file. I have requested from Trans union to provide me with method of verification and validation of debt in which to include creditor contact person and phone number who verified debt with credit reporting agency and as of now I have not gotten any response from Trans union.At this time I am asking for CFPB to investigate with Transunion of justifiable reason to continue to report negative information regarding XXXX into my credit file. I also would like Trans union to supply me with written notification of verification and validation of my original dispute to investigate statue of limitation on debt and copy of original contract.
Equifax failed to adequately safeguard my credit data against computer hacking, along with another 160 million people 's. Then the company execs try to cash out before the news comes out?
Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. XXXX XXXX listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
Initially, I was not given the full 30 days notice for the sale of the mortgage, as required by law. 
Since then, my escrow has been miscalculated twice, changing my monthly payments significantly. The first time it took 3 months and submitting the correct paperwork 3 times to get the calculation fixed. This time, my payment is jumping from $ 850 month ( including escrow ) to over {$1200.00} to fix the miscalculation. Despite repeated assurances that Roundpoint will look into this, my calls and emails have not been returned once in 5 weeks. 
The issues are always simple math mistakes, and have personally made sure RoundPoint has received actual numbers for escrow calculation.
Account # XXXX I started disputing in XXXX with XXXX and TransUnion concerning a reported late payment with XXXX XXXX from XXXX XXXX. The results of their investigation came back Verified and Updated. 

XXXX, I sent a letter to XXXX XXXX about the late payment and received a quick response from them stating that they have no record of the late payment since they do not maintain records going back that far. I am in shock that these companies claimed to have verified this account since this a clear untruth. I will include the letter sent as proof of my claims. 

This violation is, I believe, covered under FCRA Section 623 by refusing to correct inaccurate information. All I ask concerning this account is for these two companies to correct this account and report it as Paid As Agreed / Never Late.
CHASE BANK USA, N. A XXXX, 2017 XXXX 

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
Collection Services Inc. has been reporting debts to the credit reporting agencies that I have no knowledge of. And when XXXX of the XXXX finally fell off my report due to the age of it, they re-aged the debt and it showed up on my report again. This re-insertion caused my credit score to drop over XXXX points They supposedly verified the debts with the credit reporting agencies, but did not supply me with any proof that the debts are mine.
I have filled numerous complaints with TransUnion and XXXX. Transunion finally responded by removing the 3 loans that were originaly South Carolina XXXXXXXX XXXX # XXXX which were well over 7 years old. XXXX sold these same loans to XXXX XXXX XXXX. TransUnion only removed just one of the XXXXXXXX XXXX # XXXX and not the other 2 were left on the report and need to be removed as they too have been sold by XXXX.These other 2 loans are both numbered the same which are # XXXX both reported on XXXX/XXXX/XXXX according to theTransunion Resolution Summary. XXXX has all 3 XXXX XXXX XXXX still on my report which XXXX has sold to them and they are the same debt.I have previously asked that they be removed also. We were warned by the refinance agencies that TransUnion would be difficult to deal with and they were right.I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by TransUnion and XXXX still continues. Why did n't they remove the others like XXXX did?
I have asked every month since XX/XX/2018 via letter for proof of a {$360.00} debt with XXXX XXXX XXXX and have not received one piece of documentation yet each credit reporting agency responds as debt validated. 
I have also requested since XX/XX/2018 via letter the original signed agreement for a {$230.00} XXXX   XXXX debt that all three credit bureaus are reporting and have yet to receive it. They just send me a statement of account which doesnt prove the debt is mine. This XXXX XXXX debt is a secured credit card. Per their customer agreement online, the security deposit should be forfeited to cover the debt which makes the amount they are reporting incorrect.
I reported fraud regarding my credit card to Citibank on XX/XX/2017. 
( Someone had managed to cancel my card and asked to have new card sent to them in XXXX ). I was told by Citibank the card would be cancelled and a new one would be sent to me to arrive the next day. The next day when no card arrived I called back and they stated that the new cards were still shipped to the person committing the fraud and that they had used them to purchase goods at XXXX ( XXXX at Citibank Fraud # XXXX call XXXX ( for authorities only ) ). 
XX/XX/XXXX received charges from Citibank from XXXX in XXXX XXXX for {$380.00}. 
Spoke to XXXX XXXX, XXXX Citibank Fraud. She says the charges previously reported as fraudulent from last card were carried over for " accounting purposes '' to the new card. 
She also states that since " they were never before reported '' for this card " it may take 1 to 2 billing cycles to resolve '' and In the meantime I may accrue finance charges and interest until the investigation is completed. 

CFPB- I 'm not sure if they have broken any laws or regulations here, but my instinct is that beyond very poor business practices they have! 

Thanks
I pay more then the current payment Due on my Private Student Loan every month. However, the amount of interest satisfied each month gets higher and at the same time the principal satisfied lower. So, even if I pay more on my loan than is due or more then my normal payment amount, my principle balance does not decrease for that amount. <P/>I have tracked this activity for several years and I am very concerned that my payment is not accurately being applied to principal each month. <P/>I have called the company and they have not been able to answer my questions. I have even been told by a representative that it is " not worth paying extra on your loan '' and that it will not help you pay the loan off earlier.
My new holiday tradition is an exasperated phone call to my homeowner 's insurance agent to figure out what 5/3 is up to this time. For multiple consecutive years, 5/3 has not paid my homeowners insurance ( out of escrow ) before the policy expires. I receive no notice of any discrepancy or issue from 5/3, only a cancellation notice from the insurance company. I own 2 homes and I have never had this problem with my other mortgage ( different bank, same insurance company ), so I know the problem is not with the insurance company. In the past, 5/3 has claimed that the Declarations document provided by the insurance company doesn't contain the policy coverage amounts and deductibles, although this ( standard ) Declarations has always been sufficient for my other mortgage provider. I have solved the problem in the past by paying for the policy out-of-pocket and resending the same Declarations document originally provided with a verbal assurance that the amounts are indeed right there on the page. 5/3 then pays the insurance company weeks past the due date, who then refunds the money to me. This year, my insurance company has again notified me of an overdue notice and imminent cancellation. I have again been forced to pay out-of-pocket. As of XX/XX/2018, I have not been able to reach a human operator at 5/3 ( my phone log shows a 22 minute call today -- all of it in computer menus or on hold ).

It is easier to file this complaint than to directly interact and correct a simple issue with 5/3.

In my case, 5/3 has sufficiently demonstrated irresponsible management of mortgage escrow accounts and a consistent unwillingness to perform fundamental tasks associated with them. A quick search of CFPB site yields numerous similar complaints, some with far more serious consequences to the homeowner. It is not unreasonable to wonder how pervasive this behaviour is within the organization. I sincerely want to be dissuaded from escalating this, but just in case, I have begun drafting concurrent complaints for the Ohio Dept. of Commerce and the federal Office of the Comptroller of Currency.
The CBE Group is continuing to harass me with another letter claiming I owe a debt to XXXX that was paid in XXXX. The amount was leftover balance from a previous account that was closed by XXXX when I made some account changes. I have been a longtime customer and XXXX simply issued me a new account number. Despite sending them a copy of the paid invoice and a letter fated XXXX XXXX, 2015 warning them not to pursue this matter, I have received another letter ( copy attached ) attempting to collect a phantom debt.I want this company censured and fined. I would like to be personally compensated for the maximum amount due to CBE 's negligence and possible damage to my credit.
I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than one financial service ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the XXXX ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
On or about  XXXX / XXXX / 2015   Wells Fargo Home  Mortgage sent {$6800.00} from my reverse mortgage account to the   XXXX   XXXX    XXXX , NY to pay Real Estate Taxes on my Residence at  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  This   action was WITHOUT MY KNOWLEDGE This action was WITHOUT MY CONSENT Six ( 6 ) days later ; ON THE DUE DATE ; I paid the same amount.
I subsequently contacted Wells Fargo ; made them aware of the problem and REPAID the sum of {$6800.00} to Wells Fargo Home Mortgage.
Despite many contacts with this Bank and in the company of the thousands of other Citizens who have had this Bank commit all manner of unauthorized transactions I have not been able to have this matter corrected.
TO THIS DAY, WELLS FARGO CONTINUES TO SHOW THIS DEBIT OF {$6800.00} AGAINST MY ACCOUNT TOGETHER WITH VARIOUS CHARGES WHICH THEY HAVE APPLIED FOR THEIR UNAUTHORIZED ACTIVITY.
I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( HSBC ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( XXXX XXXX XXXX ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callXXXX XXXX is the one that reported it to all three credit reporting agents, i want proof of this debt
I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XX/XX/XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.
This complaint is related to a previously filed complaint against U  SAA. They have reported to the CFPB that they have worked with me to resolve the issue, yet they have not acted in good faith to resolve my issue.
I am looking for copies of all my bank statements to have for my records. USAA bank has terminated my online account access so I am   unable to view those records. When I reach out to the bank, they inform me that since I can not access them online, they will need to charge me {$10.00} per statement copy for them to provide the copies I need. Since I have been a customer since  XXXX  and during that time I 've had multiple accounts, the cost to do this would be astronomical. My calculations are that for them to get me all the records I need, it will cost well over {$7500.00} in fee 's. Yet, they are n't budging. I gave them  XXXX  options.      1 ) To provide me temporary account access so I can log in and download all the statements that I need, or 2 ) Mail me a thumb drive or CD with all the account information I am asking for, or 3 ) Mail me paper copies of all statements that are on my profile.      These are my financial records and I am entitled to them. They provide these records free of charge to their other customers by online delivery. I would happily download these records if they would allow me to.     This problem is now causing  XXXX  other issues that have the potential to cost me a lot of money. I am in the middle of a   XXXX   tax year audit an d USAA ha s records pertinent to proving deductions with the IRS. Second, I am in a dispute with the child support registry in Washington state. There are  XXXX  payments over the course of the past 14 years that have not been correctly applied to the account. I need these records to reconcile my records with theirs. To prove my point, on   XXXX   XXXX   XXXX    USAA  shows a payment in the amount of {$100.00} coming from my account, yet only  XXXX  was credited on the support registry side. These records will assist me in resolving the Washington state matter which is now damaging my credit.     I spoke with  USAA  in late  XXXX  and early   XXXX   and I was assured they would assist me with getting me copies of the bank statements. Instead, they sent over  XXXX  pages of statements for only  XXXX  account - and that only went back to  XXXX   XXXX  - a full 7 years less than what I was promised on the phone.
Hello, I have some state tax liens on my Experian credit report that need to be removed. I contacted franchise tax board in order to remove these from credit file, I was told I need to contact the credit bureau in order to remove these liens. So I contacted the Experian to dispute the errors, after I received the dispute result, I noticed the errors are still there and they are refusing to remove them from my credit file. This has caused hardship to me. Thank you for your help.
On Thursday, XX/XX/XXXX, my husband and I were out on a date night around XXXX XXXX  where I pulled up my account and saw I had about 60 dollars in there. Then at XXXXnight, my direct deposit from work came through. The next morning I woke up to find two seperate overdraft fees for two withdrawals that had apparently come through between XXXX and XXXXnight. While I understand what an overdraft fee is and take responsibility for the fact that I had not realized a check I had written would be coming through, I find it completely unfair and sickening that these transactions would be posted at XXXX at night, just minutes before my pay check was deposited, and cause me to have XXXX dollars in overdraft fees. In addition, I find it completely suspicious that the transaction with the higher amount, which was a check for XXXX dollars, was posted first followed by a smaller transaction for only XXXX dollars that would not have caused an overdraft fee because I had 60 dollars in my account. If PNC would have refunds even just the one fee, I would have been okay with it. Instead they were rude and condescending and refused to budge on the fees, even after I broke down in tears telling them I couldnt afford to buy groceries this week now. We have been customers of PNC for 15+ years ... its just sickening that they are so okay with losing us as customers that they will let us go for XXXX dollars. The other thing that is completely upsetting is that last summer, we had around 20,000 dollars in our account, and we were getting frequent calls from PNC offering us all sorts of incentives and asking if there was anything they could do for us. Sad that while we are going through a difficult time financially, we get punished and ignored. I am cancelling my account but just felt compelled to file a complaint because Ive been sick to my stomach after speaking with customer service earlier today.
Per complaint XXXX XXXX, 2017 : # XXXX, I would like to add supporting dockets. When, XXXX, from card services said she was in XXXX XXXX ( where my dispute is ), I felt that by her calling me back on an automated service return call. That, XXXX, making me hold while she sits there, was punitive with me. Maybe, XXXX, knew I was had a credit card dispute. Case number XXXX. I was aggressively evicted from XXXX XXXX XXXX XXXX XXXX XXXX, 2017. I had pre-booked, XXXX XXXX, 2017 through XXXX, from XXXX XXXX XXXX, 2017 and flew from XXXX XXXX. After thinking about the phone call, I feel that, XXXX, knew too much and was acting punitively toward me and there was not a need for XXXX to be that punitive with me. There has to be another way. The Bank needs ot implement a cheat sheet with numbers and extensions. I feel so helpless without the right number. And feel ganged up on because of the way the people act toward me is like they can do any old thing to me and then hang up. And, it makes me very angry. They retaliate. I 'm tired of their insinuations!
The XXXX XXXX XXXX XXXX called me because they claimed that I asked for their call, or I called them. This was a complete lie. I talked with them to find out as much information as possible about them. When I told them, I was uninterested and I failed to meet " qualifications '' and had wasted their time I was called stupid, threatened to continue calling me, and then repeatedly harassed me by more phone calls from the same person and number. He called 7 times in the next hour, I repeatedly said to stop. I was offended by the audacity to call me, blame it on me, and then call me " stupid '', and then threaten to harass me with more calls.
My spouse and I filed a Chapter  XXXX  in  XXXX   XXXX  and it was dismissed in  XXXX   XXXX  after we decided not to continue with it. No debts were dismissed or renegotiated. Equifax still shows this filing on both of our credit reports after over 9 years from filing and dismissal of said filing. What is the rule regarding removing a Chapter  XXXX  filing from a credit report? Is there consistency across the industry regarding the removal from a credit file?     I filed a dispute with Equifax hoping they would remove it but  XXXX  verified that the entry on my credit report is correct as stated.