WillisBack/dataset-financial-user-claim huggingface dataset:
What is this XXXX? Equifax XXXX did n't even try to verify my identity online on this site XXXX XXXX XXXX. They just automatically told me I had to request by mail? XXXX verified my identity, and gave me my report online immediately! They did n't ask me any questions or do any of the other things required of them! I can access my credit reports from other online websites no problem, and did yesterday but not from this site XXXX It 's complete XXXX They already have my info. XXXX gave me access to my free credit report instantly online on this site XXXX 
Every other company under the sun can access my stuff but they block me from accessing it, unless it 's on a pay site! It 's not just me either. I know other people with the same dam problem. They are just turning this siteXXXX into a scam to drive people to their pay sites! 
Internet Delivery Unavailable - Mail-in RequestWe 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. 


Request by MailTo request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX Request ServiceXXXX GA XXXXPlease include with the attached form a copy of XXXX item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

IdentitySocial Security cardPay stub with Social Security NumberXXXX formAddressDriver 's licenseRental or lease agreement/house deedPay stub with addressUtility bill XXXX gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, XXXX forms XXXX. To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.
To whom it may concern : I my mortgage loan is with  XXXX   XXXX   XXXX  and is being handled by  Shellpoint Mortgage Servicing.  I entered into a modification that began  XXXX / XXXX / XXXX . Since the beginning of my modification, amounts on my statement have been incorrect. I have tried over and over again to get the amount corrected. Now, six  months later, Shellpoint has  made the correction, however, they had hired an attorney to submit my home for an auction sale  XXXX / XXXX / XXXX . I am told that in order to remove the foreclosure status and auction sale date, I must pay foreclosure fees and cost  ( {$2100.00} ) in  addition to the months payments owing from  XXXX / XXXX / XXXX . I am prepared to satisfy the monthly payments, however, I feel it is unfair and a scam to now after correcting the error caused by Shellpoint, I should have to pay those fees in order to save my home. I am not in a position to pay for the fees resulting fro m Shellpoint 's error. Shellpoint refuses to send me a statement reflecting the correction. Please provide assistance in this matter. Th ank you!     Companies involved :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX  Shellpoint Mortgage Servicing  XXXX    XXXX   XXXX    XXXX , SC  XXXX
My current mortgage co. Freedom Mortgage, called and offered a refinance, but after I TOLD them my wife had an open credit fraud case they stated they could n't run either of our credit reports. We agreed on a recorded phone call I would consider a refinance in a few months. 
The next day a title co. called me regarding a refinance with Freedom mortgage. Also, when I called the Freedom mortgage loan officer he told me he ran my credit after an agreement I would not consider opening a refinance with them.
So I have read you story on CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment. On XX/XX/XXXX I had a Disbursement of {$6700.00} I have taken forbearance a few times as I could not make the payments. Never was I told about income reduced payments. They set me on a payment system where I started out with smaller payments for months then ramp it up for some months then ramp it again. Only problem from XX/XX/XXXX thru XX/XX/XXXX I was only pay interest. From then toXX/XX/XXXX I started paying a little more but most months only {$10.00} was going to balance. As of today I still owe them {$2100.00} at 7.750 %. Sad as I was not told I would only start out paying just interest for years. As of date I have paid them {$10000.00}. and will pay the loan off inXX/XX/XXXX SO when done I will have paid back twice the amount of the loan.
XXXX XXXX XXXX, FROM XXXX. XXXX   XXXX, XXXX VA. XXXX, TEL. ( XXXX ) XXXX, PUT IN MY CREDIT FILES A DEBT COLLECTION FOR {$50.00} FROM THE CREDITOR " XXXX XXXX  ''. THIS AMOUNT WAS PAID IN FULL ( SEE THE ATTACHED COPY ). THIS IS THE SECOND TIME THAT THIS SITUATION HAPPEN, ALSO I SEND COPY OF THE HOSPITAL TO THE RADIOLOGIST OFFICE : AT XXXX. XXXX XXXX XXXX, OH.XXXX, TEL. ( XXXX ) XXXX, TO TRY STOP THIS SITUATION I CALL TODAY XX/XX/2018, TO THE COLL. AGENCY AND THEY TOLD ME THAT THEY SEND A COPY OF THE LETTER TO THEM BUT THEY DONT RESPONSE BACK. AND UNTIL THEY DONT RESPONE, THEY DONT DO NOTHING.
Citizens Bank held a Boat mortgage for about 13 years on a 15 year loan. The loan was paid off early, but they ( Citizens Bank ) lost the boat title. Now they want me to have run around after it. Which I did. I asked the banks customers department for my time and expenses. The flatly said no, that the Title was my problem. 
The bank, Citizens Bank, told me the lost my title, and it is my responsibly to go and get it and to pay for it as well. They issued a " Release of Lien, " Instead. My account # is xxxxxxxxxxx, and their phone # is XXXX. 
I was never late in 13 years of a 15 year loan, and they had my boat Title as Collateral all of this time. 

I have since drove around and received my title after sitting in a D. of M. V. office for nearly 2 hours, and paid the {$36.00} for a replacement title. 
I have since the bank to reimburse me {$150.00} for my time and travel, and {$36.00}, for the replaced Title. I think that the {$180.00}, is extremely fair, however this amount will go up as I spend more time on this issue. 

My XXXX regression is ; XXXX XXXX, I need help, as I am on XXXX and ca n't go running abound, especially for their mistake. 

My name is XXXX xxxx, xxxxxxxxx xxxx xxxxxxx xxxxxxxxxxxI have the Release of Lien if needed ( a copy, ) as I now have gotten the Title myself. 

The bank in question ; XXXX XXXX XXXX XXXX. XXXX XXXX, RI XXXXThank You, XXXX XXXX ; Citizens Bank.XXXX
On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid account.
My husband and I have a number of accounts with JP Morgan/Chase and I pay most of our bills using online account services with various merchants. I am very cognizant about due dates for our bills and when my paychecks get deposited ( every Thursday XXXX and when my husband 's pension check and social security check gets deposited. During the past year, my previous job was outsourced and I was out of work for 5 months and when I got offered my next job I was forced to take a {$45000.00} pay cut. I am a senior and am XXXX years old. Due to the reduction in our income, it is next to impossible to keep a " cushion '' in our bank account. On a number of occasions, due to the way that Chase Bank " shuffles '' their transaction processing we have been hit with {$34.00} fees. This occurred because their transaction processing practices are designed to maximize profits for the bank by entering the largest transaction first. They do not necessarily enter direct deposits before the previous day 's debits. I have researched this matter online and have found out that this is a problem for many low-income families who can not afford to keep extra funds in their accounts and who suffer disproportionately from these practices that are common among large banks. Our branch manager has lectured me that he will refund the fee " this one time '' but the problem is far greater and should be addressed by government regulations. I do not want to have overdraft protection because it costs more money. There would be no problem if Chase processed direct deposits first before deducting any online payments. I am very responsible and balance my checkbook every morning when I go on my computer at work. However, every now and then some kind of surprise debit occurs and voila, I get hit with another {$34.00} fee because Chase did not process the deposits first. I am imploring your agency to please address this problem with the large banks. I work hard but I have been a victim of corporate downsizing. I am facing retirement and trying to pay down bills. I am very discouraged about my financial future. I read about these practices in XXXX and XXXX when I did a google search. I was glad to see that it was a larger problem that government could address, as opposed to my own negligence as was implied by Chase Bank 's managers. Thank you for your help.
For over XXXX years, AAFES charged me directly from my social security XXXX check payments to pay back my mil. star account, even though prior to them doing that, I tried to tell them I was XXXX and could only pay XXXX dollars a month, but it was not sufficient for them. 
I contacted them again in 2014 claiming It had been more tan paid and again to tell them I now was diabled 100 % and they were hurting my pocket. 
They went ahead after many emails and supposedly pardon balance of debt and returned a refund, saying it was now paid in full, but has reported my credit as a charge off even though I have been XXXX for many years. Iam requesting your intervention for the XXXX time against this creditor and investigate if I was legally forced to pay since my supposed balance was XXXX. They should reimburse me. See attached letter sent by them after my complaint.
Bank of America allowed numerous ATM debit transactions on an account that had a {$0.00} balance. Numerous withdrawals were made over a week period that exceed the daily ATM withdrawal limit and increased the account 's negative balance to just under {$8000.00}. This type of activity had never occurred on this account over the 5.5 years it was open. However, these transactions did not raise any red flags with BofA that led to a direct inquiry. 

When I called BofA on a recorded line and told them not to allow any further transactions, two additional withdrawals were made later that day for {$1500.00}. 

BofA had no explanation about how these withdrawals could have continued to happen with such a large negative balance. They had no explanation regarding how they performed their fiduciary duty to protect my assets. I closed my account. 

BofA reported Account Abuse to XXXX. I paid off the reported amount so I could continue bank with another bank. I am disputing my responsibility for the last {$1500.00} of withdrawals thru XXXX following my recorded call request to stop all further transactions.
I do not owe a debt of any kind to anyone. Neither mysel, f ( XXXX XXXX ), nor my husband, ( XXXX XXXX ), owe anything. All our bills are paid up in full each month. Harris and Harris called me with a recorded message Saturday, XXXX XXXX,2017 and said they were a debt collector & to call their offices at XXXX. The recorded call said their offices were open Monday through Thursday. There was no names given as to who owed a debt. My son, XXXX XXXX, lives here and all his bills are being paid on time also.
On XX/XX/2018 I received an email alert from XX/XX/XXXXnotifying me my credit was ran, " Alert : Change to your credit file detected. '' Upon further research my report indicates " XXXX XXXX '' was able to view my credit file. 
1. I did not authorize this inquiry 2. I have a credit freeze in place with XX/XX/XXXX Due to my concerned of fraud and identity fraud, that I have had a credit freeze on my account for many years. This is troubling, as I expect a credit freeze would prevent the release of my credit information. 



Thank you
On XX/XX/XXXX my mom passed away she had a loan on a used car and there was no insurance to satisfy the loan when she passed away so I the executor of the estate took over the payments since that time I've had 3 different representatives from XXXX XXXX tell me that I can continue making payments with no problem now all the sudden this account specialist,, her name is XXXX told me that they can't do that anymore and I have to return the car because my name is not on the loan I am unable to obtain financing at this time but I continue to make the payments so I do not see the issue of keeping the car because the endpoint here is that XXXX XXXX just wants their money they don't care about the car they just want the money. Is my only vehicle my only Avenue to work and back
My account with XXXX XXXX XXXX was referred to a collection agency in XX/XX/XXXX. I finally paid off the full debt, via payroll deductions, in XX/XX/XXXX. Now, over two years later - XX/XX/XXXX - a debt of {$320.00} appears on my credit report from Security Credit Services (  a new, different collection agency ) saying that the debt originated with XXXX XXXX. I have tried contacting Security Credit Services but the only phone number listed for them goes to a voicemail message promising a call-back that never comes. In fact, I have never heard from them. Online investigation shows this company has a deep record of erroneous collection action. This debt has been paid fully in XX/XX/XXXX and needs to be erased from my credit report.
I have had a store card from XXXX XXXX for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months no interest financing offer when I had bought a brand new house and purchased a washer, dryer, refrigerator and two televisions. Long story short, I have consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled Enhanced Debt Protection. I have been getting charged this fee for quite a significant amount of time now and I not only called XXXX XXXX but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I would receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30 day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and XXXX XXXX for not being more helpful with this process and cheating loyal account holders off of hundreds if not thousands of dollars. The only fair resolution to this scam is to reimburse in full.
On XX/XX/XXXX, I called Wells Fargo regarding a charge of {$1.00} on my card. The representative couldn't tell me why I was being charged the {$1.00}. There was a heated argument between myself and the representative over the charge to my account. The call ended shortly after that, and on the very same day, I discovered that there was a payment to my card that was posted in the amount of {$1500.00}. I never authorized that payment, and a few days later my checking account with my normal bank, XXXX XXXX XXXX XXXX XXXX, didn't have the funds to cover the payment of {$1500.00}, so XXXX  charged me {$32.00}, and Wells Fargo charged me {$27.00}. I went in person to Wells Fargo on XX/XX/XXXX and told them to not attempt to collect the {$1500.00} since I never authorized that payment. On XX/XX/XXXX, they collected the {$1500.00} from the payment that I didn't authorized even though I told them in person and on the phone not to attempt to collect. XXXX  charged me another {$32.00}, {$5.00} for withdrawing money from savings account, and the {$1500.00} from my checking account.

On XX/XX/XXXXI scheduled a payment for {$100.00} on the Wells Fargo card. It doesn't make any sense that I would schedule a payment of {$100.00}, then on the same day schedule another payment for {$1500.00}. I am sure that the Wells Fargo representative that I argued with over the phone was the one that scheduled the payment of {$1500.00}, and I like there to be an investigation into this matter.

Thank you very much and I appreciate any help you can offer.
I have student federal student loans. And for 3 years, beginning in 2011, I was contacted by many people from different companies, claiming that they could help me " consolidate '' my federal student loans. They told me that President XXXX, came out with ways so that us borrowers could now consolidate our student loans. 
Initially, for a few years, I did not respond and simply hung up on them, I do not know how they got my phone number to began with. Finally, after many telephone calls of constant pressuring me I listen to XXXX of these callers and they told me they would consolidate my loans for a fee. And for a year I paid this fee and an initial fee and when they " so called, consolidated my loans '', I was totally dissatisfied with who they consolidated my loans too. They put them all with " Great Lakes ''. I did not want them to be with Great Lakes and when I told them I was not satisfied with what they done to me, all they said was, " well, its done and there is nothing we can do about it, be glad they are consolidated. '' So now I am stuck with this Great Lakes company that I do not know and do not trust. I wanted to have XXXX XXXX consolidate all of my loans. 
I believe that I was used and thrown away, because they took my money and did not advise me in any way, shape, or form, as to what my possibilities/options were for companies that consolidate federal loans ; or explain anything to me. I was used and lied to. 
Is there any way that I can get my loans away from this Great Lakes Company? Would appreciate your help, I am sick of being used. I am a veteran and served my country honorably, I deserve to be treated better. 

Thank you.
I received a letter from the original creditor on  XXXX  of    2016  with all documents stamped as paid  XXXX   XXXX   2016 . I had gotten the occasional call about the debt and explained it was paid and faxed the papers to a company did n't hear from them again. Now I constantly get phone calls from  XXXX   XXXX  saying it 's not paid. One person gave me their email so I sent the email to them with pictures of the documents. I received another call today told them I already gave it to them, I had to call back because he hung up on me when he called me which is what happens every time they call me. He told me he reported it to the credit bureaus then read off my SSN and told me multiple times " your credit is destroyed now ''.
1. From XX/XX/XXXX to XX/XX/XXXX, my card shows fraudulent charges. 2. The card is cancelled by Bank of America ( BoA ) and all the charges are reversed. 3. On XX/XX/XXXX and XX/XX/XXXX - BoA charges 50 and 250 dollars of these fraudulent charges back to me stating that their fraud department believes that these are genuine charges and not fraud charges. 4. I call them up on XX/XX/XXXXand argue that these are not transacted by me and BoA says that they will reopen the case and it will get resolved in 5-6 weeks. 5. I check my online account on XX/XX/XXXX, 9 weeks after my discussion with BoA consumer service and Fraud Department, the charges are still there and nothing has happened. I call the Fraud Department and they say that it takes 2 billing cycles since by request to resolve a case. First they say that it will be end of XX/XX/XXXX, but after I calculate the exact billing cycle end it turns out it will be XX/XX/XXXX. 6. Based on my discussion, I do n't think they will do anything.
7. This is a case of an ineffective fraud department.
8. I would like CFPB to help me resolve this.
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Thanks.
XXXX
XXXX charge off account verification. The original creditor was not able to provide any information regarding this account to me. Experian dispute responded as verified. I don not believe they correctly investigated this account
I 've asked Americash Loans to stop contacting me several of times, and to only contact me through mail, yet they still call me. I received a call on Monday in which a guy told me that legal actions will be taken against me, and this evening XX/XX/2017 a lady by the name of " XXXX XXXX '' claiming to be an supervisor called me after I 've told them to stop calling me. A previous rep called me ignorant as well.
They described a debt from a pay-day lender, with dollar amounts and dates that did not match up with any of my bank records. 

They did not offer any documentation on the matter. 

This is not an actual debt I owe.
The customer opened a Wells Fargo Everyday Checking account on XX/XX/2017. The account was opened with a {$200.00} bonus promotion attached. The application reference number is XXXX. 

The customer subsequently completed all the requirements for getting the bonus, however, was declined the {$200.00} bonus ( did not get the bonus ). 

There is one bullet point in the bonus eligibility that may prevent the customer from getting the bonus : You can not be a recipient of a consumer checking bonus in the past 12 months ( limit 1 bonus per customer ).

The bonus qualification requirement and payment date ( attached below ) led to the customer mistakenly thinking the 12-month limit is from the date he received the last Wells Fargo personal checking bonus to the date he shall receive the bonus for this {$200.00} bonus. The customer was approved for this account with the bonus offer attached and fulfilled all the bonus requirements. The language of the 12-month limit in this offer was unclear to the customer and affected his decision for applying for this account.

Attached : Bonus Qualification & Bonus Payment To qualify for this bonus, the customer has to complete the following : " for 3 consecutive months, make a minimum of 10 purchases/payments per month with your new Wells Fargo Debit Card '', and the bonus payment will be deposited as follows : " We ( Wells Fargo ) will deposit the {$200.00} checking bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met ''.