WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has continuously violated my Fair Credit Reporting rights by not reporting accurate information on my credit reports. I filed a notice on XX/XX/XXXX. I requested that Equifax investigate and send copies of my files that they have concerning this account. 

Equifax responded that they researched the account but did not investigate my claims as the law demands 15 U.S.C 1681. I have requested over 10 investigations concerning this account and Equifax does not investigate the file but they delete payment history information or they delete information from the file or employees at Equifax will leave it empty. This is not right. 

I have enclosed a copy of the most recent letter I received from Equifax. You clearly see they have erased the payments history and it is not in order, the information is not complete, its missing information, and the dates don't add up. I have continued to complain that the last payment date was XX/XX/XXXX and they erased all the payments. 

I would like Equifax to delete this account if they can not provide me a copy of all documents/ records related to this account according to FCRA 15 U.S.C 1681g. Equifax is damaging my ability to obtain credit because of the false information they are placing on my report from their offices.
My Sallie Mae Loans were purchased by Navient. There are three loans in my name XXXX XXXX XXXX. On loan # XXXX since inception have paid {$27000.00} yet the loan balance has INCREASED by {$860.00}. Navient has taken lump sum payments i.e. {$300.00}, XXXX, XXXX and applied the majority to interest. In addition there is capitalized interest, forbearance fees, etc. The amortization schedule they provide does not reflect the beginning balance less payments ; instead it shows the payment whether it was applied to interest, fees or principal. 

In 2017 I paid {$5700.00} with ONLY {$270.00} credited to principal. In an attempt to understand/correct this situation I have made numerous phone calls without any resolution. It is impossible to get a straight, honest answer. 

My job is as a flight attendant earning approximately {$25000.00} per year. These loans are creating an unimaginable hardship on me financially and is creating an extremely stressful situation in my life.
I keep getting daily calls from local XXXX number ( Halsted Financial Services debt collection ) ... ( XXXX ) XXXX ; a recorded message. When I call the number back one minute later there is no answer.
I was informed that Experian on their credit report had an open invoice balance from XXXX. This was an incorrect charge being bill extra months after the service with XXXX was terminated. After notifying credit agency about the incorrect billing, they just contact XXXX to verify that this has been charged and perform no other investigation. When inquired how do they know if this a correct bill, their response that is not the credit agencies responsibility. They only take information from companies reported to them and do not take any contra info from consumer. I also spoke to XXXX to try to get it resolved. I asked XXXX how they know that this an accurate bill and its not incorrectly being charged, their only response is that it was invoiced. I asked how you know that the invoice is correct. They have no response to this. I also asked to go back and see per the records and tell me the last time I made a call or used their service in order to prove that I was missed billed. Their response they dont keep this record, but they have ever call and conversation that we tried to get this resolved. The credit agency should be responsible for the information they are reporting to make sure its accurate. As noted above they accept the information from XXXX as true with no verification, but do not allow for any dispute procedure with the consumer to be recorded on file. They only go back to XXXX and get a statement from XXXX that it was investigated per FCRA and have no copies of the FCRA investigation on file. In fact, I believe as a consumer you cant obtain a copy of the FCRA investigation without a subpoena. At minimum they should allow the consumer to have a rebuttal to the disputed charge and when companies look at the credit report see that this is a disputed item.
1. There was a disbursement amount of {$5000.00} for XX/XX/XXXX was never paid to the school or to the borrower ( me ). Yet Navient/Sallie Mae has a financial record for that amount on my account. So that {$5000.00} amount is fraudulent, it is not a loan I received. 

2. On XX/XX/XXXXand many dates after ( see notes attached ) It looks like I made a payment of {$150.00} and Navient/Sallie Mae show that I was charged, on the same day, {$150.00}. So the record indicates that I was charged the same amount I was paid under the label of " adjustment ''. It was never made clear what that extra charge was actually for. 

3. On XX/XX/XXXX I was not attending school at all -- nor any other program, yet a disbursement shows up as me owing an ADDITIONAL {$30000.00} When I requested information about all of my original loan documents on XX/XX/XXXX, this " loan '' was not included. There is no record of where this money went or why it was added to my account. 

4. The information received from Navient/Sallie Mae was confusing and hard to follow. There is no way to follow what my actual total balance was. It lacks crucial details about how much is currently owed and where the totals are coming from. 

5. I believe that Navient/Sallie Mae misled me because none of the loan documents I signed originally included info about what interest would be required on the life of the loan ( s ).

6. I find that the Truth in Lending Act requires that a private loan holder that holds more than one private education loan for a borrower apply ANY prepayments on those loans FIRST toward any FEES due on such loans and then, unless the borrower states otherwise, toward the PRINCIPAL due on the loan that bears the HIGHEST interest. That was not done as my online account shows a record of payments made an the entire payment was applied to the interest only and/or payments were applied toward loans holding a lower interest rate.
On Saturday, XX/XX/2016 I tried paying auto note via phone but given automation. Disconnected me. I tried a second time. Told note {$430.00} rather than {$350.00}! Called again today, XX/XX/2016, and spoke to Wells Fargo XXXX to clarify why the increase. 
Told by that office and XXXX of the XXXX that late charges of {$79.00} added. I asked why when her office had set up XXXX of each month to make payments rather than XXXX. I have not gotten the results promised by Wells Fargo XXXX as also told CFPB. No record of " XXXX '' changing payment due date to XXXX said XXXX in XXXX of the XXXX.
My XXXX XXXX XXXX was stolen in XXXX and XXXX of 2018 and XXXX has refused to pay off the loan even though the vehicle was missing for more than 6 weeks. I have fought tooth and nail to get XXXX to payoff or partially payoff the outstanding loan amount but i receive no response and in need of Federal Help of some sort. 

XXXX NEEDS TO PAY OFF THIS LOAN
Dear CFPB, I checked my Experian Credit Report on XX/XX/2016 and I was surprised to find XXXX inquiries : XXXX from XXXX on XX/XX/2016 and XXXX from XXXX on XX/XX/2016. I have not taken any action to open an account with either XXXX or XXXX. I do not know why the inquiries are on my report, but I suspect identity theft. I am seeking to remove the inquiries from my report and put those companies on notice of potential fraud. Attached please find my Experian Credit Report showing the fraudulent inquiries. I have erased my name from the doucment in accordance with your request to not include personal information. 

Please let me know if you can assist me in the process of removing these inquiries from my credit report. 

Thank you
I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : XXXX  : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX Equifax : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX  XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX. # XXXX, XXXX XXXX, TX XXXX
I was recently contacted by eastern revenue the debt collection agency telling me that I had a debt due of XXXX dollars from the XXXX college of XXXX. I put in a request to remove the charges from my account but I was told that the college policy states that I have to drop the class if I do not plan to attend it. But I did attend to take the class and I did, I went to the first few classes but the XXXX class in the professor told that I was not on the class role sheet. So I went to the financial aid office and they told me that my financial aid did n't go through and I do n't believe that was my fault. Because on my side it did go through. This past Thursday on XX/XX/XXXX I went to the school to dispute my issue again and this time I was told the reason why my financial aid did n't go through on their side was because I did n't apply for the XX/XX/XXXX financial aid but by the time I applied it was XX/XX/XXXX. I called the financial aid customer service and they were on my side saying it was n't possible for me to apply for XX/XX/XXXX if it was already XX/XX/XXXX. I believe nothing wrong happened on my side if anything wrongdoing was on the schools side.
This is not my account I do n't understand what 's going on I have an account with this company and its in very good standards and activite.
Credit exception us the loan on my truck they say I owe more than I do. They always saying I am XXXX behind. My payment is in every month now there saying I owe four more years when I only owe 2 1/2 years. I have the contract I singed I only took out XXXX on the loan. That was interested and every thing paid XXXX more a month on the payment to reduce the payment none of that went to the payment of The truck. What my next steps to fix these issues
This complaint is with Equifax - my data was compromised and now they wrongfully made me consent to an illegal agreement to give up my rights by forcing me to find out if my information was compromised. This practice should be stopped immediately.
Hello, The company Coinbase has charged me 3 times for two purchases. They removed one set of unauthorized charges. After a week they charged me again for the same prices. This company needs to be investigated for fraud. I've tried submitting a ticket to their website but they do not respond for days at a time. I'm not the only person having this issue.

I've attached two photos of the charges. One was for the XX/XX/XXXX and the newest as of today XX/XX/XXXX.
I am encountering difficulty with OneWest Bank, a division of CIT Bank, N.A. <P/>My mother XXXX XX/XX/XXXX of this year leaving the proceeds of an IRA to be divided amongst three beneficiaries. One of the three was already XXXX, the bank was given proof of this along with mother 's XXXX certificate. <P/>As my wife and I have been retired for some years now, my desire was to have OneWest Bank cut a check and mail it to me in Montana. OneWest Bank insists that in order for me to receive this inheritance I must open an IRA with them so that they might transfer the funds to that account in order to close that account ( a {$25.00} fee ) to send me a check. This being their policy. This strikes me as being both circuitous AND superfluous. <P/>What can be done to facilitate matters in this situation, getting them to simply send the specified amount?
Greetings, I have recently XXXX  from XXXX outside of the United States. Unfortunately, somebody has most likely used all my information and got into debt because during the dates which the debt has occurred, I was in XXXX  in XXXX and I can prove that I have been an active XXXX  in XXXX for the past 6 years and was not in the United States to get in debt. This may be a mistake or an identity theft.
Company has called XXXX family members. They have my first name correct, but not last name. I 've started receiving these scams since I recently received new credit cards. I 've told them it 's not my debt, and they still continue to ask how I 'm going to take care of this debt. If I do n't, legal action will be taken. They will not validate the debt, except a generic invoice through email. It 's also a debt from 2008, over 8 years ago. The 'representative ' claimed they have special permissions to bypass the statute of limitations.
Chase credit  card charged interest on full amount of credit card bill (  XXXX  ) payment was (  XXXX  ) with a shortage of (  XXXX  )  Interest  was  (   XXXX  ) ) Call to  Chase and was told  this is not double-dipping. Is this true? Sounds very underhanded to me.  XXXX   XXXX  credit card number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Bill date is due  XXXX / XXXX /17
Lender sold my account to another company called XXXX XXXX XXXX at XXXX ext. XXXX
I have been calling in to pay my XXXX Preferred Account bill which is with Paypal Credit, they would not let me pay online anymore. At first I had to call every month to make a payment, then in XX/XX/XXXX they told me they could set it up for automatic bank draft for 6 months and then I received a letter XXXX XXXX XXXX was being bought out by XXXX XXXX, and after XX/XX/XXXX, my payments would need to be changed. On XX/XX/XXXX, they did not take out my payment which I had scheduled in the amount of {$80.00}, even though my min payment was XXXX. They then sent me a bill for XX/XX/XXXX and charged me a late fee of {$27.00} and now want my payment for May which was due on the XX/XX/XXXX and for XX/XX/XXXX which is not due until XX/XX/XXXX. They refused to give me credit of the {$27.00} unless I pay them the total minimum due of {$130.00} as of today XX/XX/XXXX. I have  been faithful in making payments to the company, and I also had a Bill me Later account which was separate, the Bill Me Later Compnay closed my XXXX account for no reason except, that they said my bill came back to them, even though they received my monthly payment? What is going on? I also had a Bill Me Later Account, and Now PAYPAL is saying I have to go online to pay the bill. I also have the Bill Me Later which is now Paypal also and changing to the same Company. This is PAYPAL doing this to me and I have not received my billing for PAYPAL and I am very upset that I made advance payments and the company did not give me any notice as to the change except to be effective XXXX XXXX XXXX. This is not fair and I feel that I do not owe the {$27.00} late fee because the company did not do as we had verbally agreed to on the telephone. I am willing to pay the payment which was due in XXXX, but not to advance them the payment which is not due until XXXX XXXX XXXX, nor pay the late fee. This company has to be stopped and they are  probably ripping off many other customers My XXXX acct is now scheduled with a payment due on XX/XX/XXXX in the amount of {$130.00}, previous statement minimum payment was {$65.00}, which is the only amount that I owe. This company has fraudulently not processed my payment and has placed a fee on my account which I do not owe of {$27.00}. Please contact me with a follow up as to this situation. I do not know if my Paypal account is doing the same thing, I am going to call them this evening. According to my letter dated XX/XX/XXXX, I will no longer be able to make a payment through paypal or Customer Service and the only method to make a payment will be via Mail using my billing statement. No electronic or Internet payments will be allowed according to XXXX XXXX. This is not fair to any of us and this can be placed against my credit history and I feel that I may not be the only one who is being abused by PAYPAL.
I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult sonvthere in XX/XX/XXXX or XX/XX/XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from GLA Collections as well as from XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.
On XX/XX/2018 I received a letter from XXXX XXXX dated XX/XX/2018 that they were the new owner of my Mortgage loan as of XX/XX/2018. 

This was news to me considering the fact that I had no contact from Chase bank, so needless to say I thought it might be some type of scam. So I contacted customer service and told them my situation and they confirmed that my mortgage was sold to XXXX. The customer service representative advised that I shouldve received a goodbye letter. She checked the records and advised that I was correct that XXXXhase never sent that letter or any other communication regarding the sale or transfer of my mortgage. I then asked the customer service representative if I could have the documents related to the sale or transfer of my mortgage loan. She put me on hold for two minutes and then advised that I was not allowed to have that information. 

According to the letter XXXX sent to my residence it states that the transfer of ownership has been publicly recorded and that it will be located at the recorders office that maintains the public land records. 

Why would this information be held from me and why would I not be notified of this transfer from the financial institution that I have been with for the last ten years? 

I find it hard to believe that Chase, XXXX XXXX and the Recorders office all knew about the transfer, but the person that pays the loan had no idea until XXXX XXXX  sent them a letter. This maybe a minor problem to a huge financial institution, however my mortgage loan is the biggest part of my financial institution. I feel that this is in very poor taste and if I didnt catch it in time it couldve cost a lot of money in attorney fees. You know if I was late on a payment they wouldve used every means possible to contact me.
Two weeks after receiving the XXXX washer and the other half of the sofa ; XXXX of the cushions on the sofa 's seam popped and fluff is showing and the washer started to squeak. I made a video of the washer and took pictures of the sofa cushion. I took them to the store and they guy there said, " Oh, call the service desk and they 'll help you get a new XXXX, especially since you just got it and you have proof it 's messing up '' .Keep in mind ; we agreed to have the protection plan for the sofa, {$310.00} for 3 years and {$290.00} for the washer for 4 years. The guy comes out for the washer on a Wednesday, 2 days before the 30days of having it in my home. He confirmed that the tub/cylinder is not centered properly and that is causing it to rub against the drying pad causing the squeak. When the tech called XXXX, they said this is a known problem, to just put some grease on it and that 's it. Wait WHAT?!!? Are you serious? I said OH NO! I have not had this 30days and there is clearly something wrong, you do n't want to FIX it you want to put a BANDAID on it, so it will break again and be even more messed up the next time. WHY would I pay for something like that!? So my husband and I go to the XXXX store and say we want to exchange it, he said okay, that 's a 15 % restocking fee. Wait a minute, we pay you {$290.00} for an extended protection plan and your tech confirmed something is wrong ... .but now you want me to pay you more to exchange it? The store manager says to call Customer Service and have an escalated ticket completed to see if they 'll waive the restocking fee ... did that. Took my break time at work to sit on the phone with their customer service and that guy XXXX, said he completely understands, that is not right, but obviously the 'escalated ' people do n't feel the same way. They called me back to tell me, nope, unless the manufacture says the machine is " not repairable '' will they waive the restocking fee ... But that is the problem, YOUR TECH SAYS THERE IS A PROBLEM, BUT XXXX DOES NOT ... So now, I am stuck with XXXX hand merchandise that I have to pay full retail price for. NO, COME GET YOUR STUFF!!
XXXX XXXX had home loans for years 10.5 % interest sold loan to XXXX XXXX 10.5 % fixed rate. again loan sold to Rushmore loan services 10.5 % fixed made about 6months payment at this rate. Now raised my rate to11.00280 %. Called Rushmore 8/29/18 as soon as I got this rate and new bill increase. Women could not tell me why, asked for supervisor no!!! Got nothing but run around. I know this is not legal. Called XXXX on same date ask what rate they sold loan 10.5 % they are sending more documents ' to the fact they sold this loan to Rushmore at rate of 10,5 % and should not be raised as it is a fixed rate. The women at Rushmore just as much told me they can do what they want. My opinion this is a fraud.
I visited XXXX Hospital as a result of a XXXX accident on XXXX/XXXX/16. I indicated on my admission papers that my visit was a result of a XXXX accident. I received a bill dated XXXX/XXXX/16 from XXXX Hospital indicating that I owed {$40.00}. I spoke with a manger XXXX on XXXX who assured that the claim would be processed through no-fault. I also corrected my address which had also been done at the time of my hospital visit. He denied my request to memorizlie our conversation in writing. 

I then received a collection notice from Computer Credit , Inc. dated XXXX/XXXX/16. I called and spoke to XXXX on XXXX/XXXX/16. She advised that there was a note indicating my XXXX/XXXX/16 call but it did not indicate the nature of the call. She assured that this time the payment from my private insurance would be reversed and put through no-fault, but she too advised she could not put anything in writing. However, at my request she advised a manager would call me back within the week. I never received a call. 

I then got another collection notice from Computer Credit , Inc. dated XXXX/XXXX/16 claiming I still owe this debt. 

I sent a formal letter memorializing this entire process dated XXXX XXXX, 2016 with attachments, which was copied to this office.
We are in foreclosure now because our mortgage company did what you dual-tracking. While we were in the process of sending and faxing information to Carrington mortgage company for months. They were already signed over our note.
Fraud Inquiries on my credit report not Authorized by me from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX and on XX/XX/2018 from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
On XXXX XXXX, 2015 my debit was hacked from an offline vending machine. At various time after my original purchase at the vending machine charges authorized. Over {$500.00} in cash has been removed from my account. I was informed by my bank that an investigation after the charges post could take any where from 7-10 days and they are not sure why but that is their processes. I have been a customer with this bank for several years close to a decade and up until now my cash has not been put back into my account. I have called several times to see what someone can do but they say it is because they are scripted to advise me it could take 7-10 days but it may take longer. I feel as if I was robbed of my money my hard earned money and my checking account bank can not help.