WillisBack/dataset-financial-user-claim huggingface dataset:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I submitted a HAFA short sale to PennyMac for XXXX, loan number XXXX, XXXX XXXX, I worked with the Seller in submitting a proper application and worked with PennyMac in getting a market value as they were way over valuing the property. I followed HAFA guidelines in listing and advertising the short sale with a 6 % commission. PennyMac is now not following the HAFA guidelines in trying to reduce the commission to 5 % and now saying it is not a HAFA short sale, when it clearly is.
I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did equifax allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.
I withdrew money from my EUR XXXX on coinbase.com on XXXX XXXX. 
It was only XXXX XXXX XXXX after their fees and banking fees ) but there is hundreds people with same problem, also a lot of them withdrew much more money. 

The website told me that transfer is completed and I will have money on my XXXX bank account by XXXX/XXXX/XXXX. I did not get this money. 

First I thought there is a small delay. 
On XXXX/XXXX/XXXX I decided to contact them. I 've created case on their support page. 
My question was without response for a few days so I decided to reach them on twitter. 
After next few days they replay on twitter, they wanted me to give them case number from their support so they can take a look. 

They answered me on their support site that they confirmed it as a problem and they are working XXXX to fix the issue and my " case has been recorded for review by an expert. '' I can not give you specific date because their answers has wrong dates (! ). 

After a next days ( XXXX XXXX ) of silence from them I lost patience and I wrote to them again. I get a very fast answere : " Hi there, Just checking in to let you know that this issue is still unresolved. Rest assured your funds are secure, and we are working hard to rectify this situation as soon as possible. 


Thank you for your continued patience, and sorry for any inconvenience caused. '' So I was waiting. I did n't hear from them until then. I was writing on their support site and on twitter.
Four days ago ( XXXX/XXXX/XXXX ) they answered to my tweet again : " We apologize for the continued delay. We are working to resolve the issue as soon as possible. Thank you for your patience. '' So I am still waiting and I hope that you will help me.
Sorry for my bad English and thank you in advance.
correction of typo-error in prior CPFB complaint ; but underlying complaint was 100 % correct, so I am repeating it here : I paid {$5.00} to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went to T-U website via XXXX for my FREE report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE report. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentionally SCHEMED by T-U. I demand my FREE report accessible on-line -- - ASAP.
I am putting in this complaint on behalf of my nephew, XXXX XXXX. The complaint is against First Bank. He was XXXX years old and a XXXX when he opened the account in 2014. I went with him to the bank and made sure that he had opted out of the Bank paying for anything if he had no funds in his account. He had borrowed some money from another financial institution and they were withdrawing monthly payments out of his account. He lost his job and his account dwindled to XXXX. It was our understanding that he was ok as far as the bank was concerned since we had told them not to pay for anything if there was no money in the account. However, the bank has built up an amount of almost {$250.00} that they say were charges for refusing transactions to the financial institution that XXXX owed some money to. This is fraud of the highest order. We were never informed that the bank would charge for refusing transactions also. We went in to the bank a couple of times and were told that we needed to come back with {$250.00} in hand. We were also given illogical explanations for why it was alright for the bank to charge XXXX for refused transactions. This was very disrespectful. 
We request that all charges be dropped immediately and the bank apologize for making this entire situation so stressful and disrespectful.
i had a loan at western finance in XXXX texas. they closed and sold my loan to sun loan without notifying me XXXX. i had no idea until i went and the building was empty. do i still owe this loan to the new creditor since i didnt sign papers with them or know they were taking over my loan?
I have  XXXX  collection company  XXXX   XXXX   XXXX   XXXX   XXXX ,  and/or  Equifax reporting incorrect information for a single account. The account continues to reflect the status of  "   Open Collection '' while it was included in Bankruptcy in 2016 a nd subsequently  discharged  in  XXXX  o f 2016. I h ave called the collection agency multiple times and they have denied any incorrect reporting and point me to the reporting agency. I have opened up multiple disputes with the reporting agency and their determination has repeatedly been " we 've verified this account belongs to you ''. The incorrect information, is not whether this account belongs to me, but why it is still being reported as "  Open Co llections ''. Neither company plans to take any action to correct the discrepancy, or remove the entry.
TransUnion failed to give me the method of verification on accounts XXXX XXXX XXXX and XXXX XXXX
XXXX XXXX, XXXX CFPB : XXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need JPMChase to supply me plats of my Homesteads. 

XXXX XXXX XXXX, XXXXXXXXXXXX
XXXX has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the Synchrony Bank account showing on my report. Synchrony Bank has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to XXXX. Also, XXXX ( an organization that mirrors XXXX in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. XXXX & Synchrony have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.
Contacted Transunion attempting to obtain free credit report. Never received free credit report, XXXX was charged 3 consecutive months. Never credited for one month of billing. Requested to unsubscribe. I was harassed with constant emails despite numerous request to unsubscribe.
There is a XXXX XXXX XXXX credit card on my report that is mine. This account was paid and closed in 2013. There is a balance of {$18.00} showing on my report with a past due amount of {$17.00}. I have contacted XXXX XXXX XXXX and they have said that the account is closed and there is not an outstanding balance even thou I have showed them the report. I would like to resolve this balance but have no idea how I can when XXXX XXXX XXXX insists on the phone that there is n't a balance owed. The info reported by XXXX XXXX XXXX is showing me as past due and this is having a negative effect on my credit.
I received an email from our current mortgage provider on XX/XX/XXXX with some small detail of what savings I could obtain with a possible refinance. I asked questions via email and asked to see an application for more detail on how the process works. I viewed an electronic application with only my husband 's name XXXX on it and I did not like the information so I rejected the application. I was asked to reconsider and have my husband call the finance company. I did not respond. On XX/XX/XXXX we received a letter from the mortgage company dated XXXX XXXX XXXX stating an application was submitted and denied. The letter has my husbands credit score from all three credit bureas dated XX/XX/XXXX. I called the mortgage company to speak with XXXX the name on the notice. He is telling me that we submitted an application or inquiry and that the letter is simply an update to how it concluded. I asked why we were getting this now, and he said we get it 90 days after the inquiry. This letter is dated nearly 10 months later. I believe XXXX has and still is submitting credit inquiries on my husbands behalf without his permission and then sending information to us in hopes that we refinance are mortgage with them,
Last Year I was XXXX shopping for my family on XXXX, I used XXXX different credit cards. I belive I started XX/XX/2015, I purchased a lot of products, I used my XXXX card, capital One and my XXXX XXXX card. When I got my first bill it said the date then XXXX *my product and amount of the charge.I assumed this was ebays billing method. I did n't think anything of it, I 've never shopped on line before. I had a dispute with a man named XXXX XXXX, so I contacted XXXX over it, and all of a sudden I began getting threats on my XXXX. From this man Very Nasty ... .I did n't know XXXX XXXX being sent my credit card charges from XXXX. So when I desupted, the charge against this man, XXXX locked down all my charges.And I did n't know until my tee shirt man called me and asked me to release his {$180.00} I owed him ... Than I continued to get threats from this man. Thats how I found out who paypal was. I did not have an account with them. So it became a big mess. XXXX then gave this man my real name, address, phone #, business address, and phone # there as well. He threatened to come to my home and it got really bad. I saved his emails, and emailed XXXX as well and saved them in my arcives.Need less to say my computer was hacked and they disappered. I do n't beilive this is legal, and I ca n't imagine them, giving my charges to another company, yet release my personal information..Thank you for your time
I received a letter from Navient dated XX/XX/XXXX, stating that my deferment begins on XX/XX/XXXX. Mr credit report reflects that I was 90 days late in XX/XX/XXXX. There is no way I could be 90 days late in XX/XX/XXXX if my deferment started in XX/XX/XXXX. I have tried to rectify this with Navient but was denied. This is an outstanding issue on all 3 credit bureau 's and i am requesting this be corrected. My letter reflects all of my student loan accounts had a deferment as of XX/XX/XXXX. The letter clearly states in the body that the deferment began in XX/XX/XXXX, but Navient responded to me stating it began in XX/XX/XXXX. This is clearly an error on the loan servicer 's end.
Ocwen mortgage service is a dishonest business. On there website they have an area where you put you account number and routing number in to make your payment there was n't a save information area to store you account number. So on three different occasions they said I did n't type my account number in right. I took a picture of the account number on the last two times I typed my account number and sent them the picture that it was typed in right. They refused to admit they did something shady on there end to change the number. Each time my payment was n't submitted they charge me a total of {$75.00} in late fees and now I can no longer use there service. I was told i have to use XXXX XXXX to pay them. My loan was assumed by them when XXXX XXXX sold my loan to them. I 've had my loan for 11 years and I do n't owe that much more on the loan. Each time my payment was rejected I was sent an email saying I qualify for a harp refinance loan. There company is completely unethical and I want to tell everybody I know and every realtor my husband works for, to not use there business. Please investigate and shut these corrupt people down.
I have an American Express Business credit card. On XXXX XXXX, 2016, I called American Express and inquired if I used the card for a transaction and would it qualify for Pay over time option. I was told yes. On XXXX XXXX, 2016 I received an email saying my account may be suspended. I called American Express and after being transferred several times I was told that until I pay the balance down some my account will be suspended. I was also told that the charge I made on XXXX/XXXX/16 will be on the Pay over Time on my Billing Statement. On XXXX XXXX, 2016 I received my Electronic Billing Statement which stated I need to pay the total amount of the charge from XXXX/XXXX/16 ( {$15000.00} ). I called Customer Service once again I was transferred several times until the last person was suspose to be in the credit department. She suggested that I pay the total amount by the due date. I advised her that I do not have the money to pay that balance, that 's why I called before I used the called for the tranaction for approval. She told me that American Express can revoke the Pay Over Time Privilege anytime they wanted to even after you were told it qualified. Again explaining I do not have that total amount what other options do I have because I do not want a negative credit rating on credit report. She told me the best they could do is for me to pay {$1300.00} that day XXXX/XXXX/16 and pay {$450.00} with a XXXX interest rate for 36 months. I explained I did not have {$1300.00} that day. She told me if you do n't except these terms today it would change. American Express should tell some XXXX they are approved to make a transaction and be allowed to Pay Over Time if two weeks later they change their mind and say " No WE want You to Pay the Total Amount Now ''.
Shopped on XXXX ; was offered {$20.00} credit if I applied for card ( XXXX me, I did it ). After that, XXXX ( or Synchrony? ) apparently gave me {$20.00} but then took - WITHOUT PERMISSION, WITHOUT MY KNOWLEDGE, AND WITHOUT ANY TYPE OF AUTHORIZATION WHATSOEVER - charged that card over {$100.00} for a " XXXX '' membership ( which I SPECIFICALLY DECLINED ). After that, I cancelled my order, but I have still received the Synchrony card in the mail. It was ALREADY ACTIVATED ( apparently they have to do that to THIEVE MONEY ILLEGALLY ). 

I tried to call Synchrony to establish the balance ( for XXXX I did not want ). 

Automated phone system says if I am calling about XXXX call another number. I did. ALL IT WAS WAS ADD AFTER ADD congratulating me for this and for that ; trying to get me to spend more money ( on a free cruise, etc. - that type thing ). 

I CAN NOT REACH THEM BY PHONE. I DO NOT KNOW THE STATUS NOW OF THE CARD I DO NOT WANT / WAS THIEVED INTO GETTING.
American Express is reporting accounts on my credit report. Accounts I never opened with them and never gave them any permission. I have never had or opened ANY AmericanExpress cards in my entire life. These accounts should have never been added to my credit report in any shape or form.
On top of this they are showing many accounts as a duplicate. For example, they are showing one of the cards 4 times in a duplicate fashion.
This is preventing me from getting loans that are very sensitive to number of opened accounts in the last 10 months, and AmericanExpress is showing more than 7!
On XX/XX/XXXX I submitted an initial dispute to Experian requesting an investigation be done on the following accounts : XXXX/XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX {$16000.00} On XX/XX/XXXX they sent a response that they would not reinvestigate the account unless relevant information. I submitted another dispute letter on XX/XX/XXXX requesting their method of verification and on XX/XX/XXXX they submitted the same response refusing to reinvestigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these account. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law.
I filed ChapXXXX XXXX 16- it was discharged XXXX-16.XXXX & XXXX   reported correctly-discharged XXXX-16. I phoned Equifax & a Supervisor said " we will not report your discharge- we'll show you are still in ChapXXXX for the next 10 years "! I'm buying a car from a Dealer & received a letter saying " your Application is denied due to a negative Equifax report showing you're still in ChapXXXX. " I need them to report my status correctly as are XXXX & XXXX. U.S. Bankruptcy Court, XXXX, NC Case XXXX
i 'm working with a debt settlement company XXXX, inc. but Discover calls XXXX my work phone XXXX XXXX -XXXX times a day everyday.i have told them i 'm working to settle my debts with them. but they keep calling.
In XX/XX/XXXX, i disputed this debt with XXXX XXXX through XXXX asking for the debt to be validated. I was supplied no information to validate this debt. XXXX  just claims the debt was " verified as accurate '' having had no sufficient validation provided to me. I attempted to contact original debtor, XXXX XXXX in XX/XX/XXXX and they could not locate nor give me any information to validate this debt. Also this collection agency, XXXX XXXX is not authorized to collect in Georgia, the state in which I reside.
during 2014 I purchased some window treatments from XXXX XXXX company and returned the entire purchase. the store employee was new to XXXX XXXX and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later Portfolio Recovery contacted me by phone ask me to pay the XXXX bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from XXXX XXXX or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that Portofolio Recovery is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that Portfolio Recovery is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from XXXX XXXX that shows I owe any money to them.
Frauding scams using XXXX XXXX  Hospital of  XXXX XXXX Indiana of XXXX county Indiana frauding scams frauding my documents of serial numbered documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX all from XXXX county Indiana Then others frauded my documents of my brother documents of XXXX Hospital of XXXX  XXXX Indiana of XXXX county Indiana of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Others frauded my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX Hospital Others frauded my documents using my immazation record XXXX  XXXX XXXX XXXX county Indiana Others frauded my FBI registrations of my XXXX XXXX  career and also frauded scams using XXXX elementary School of XXXX XXXX Indiana of my documents as XXXX XXXX and business Others frauded my documents of XXXX high school as XXXX XXXX in my states Fraud scams using business permits and products and retailers store 's and semi trucks companies and CDLs and resterants franchises using Cole slaw and auto stores frauding scams using XXXX  and then frauding scams using My grandma documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams using using XXXX XXXX XXXX married to XXXX XXXX all decest  closed out social security files Others frauded XXXX XXXX married to XXXX XXXX XXXX of XXXX county Indiana and XXXX XXXX of North Carolina
Ref : CFPB Case XXXX I have alleged fraud in Wells Fargo 's treatment of my mortgage problems in the above captioned case. Wells Fargo appears to be trying to extend their reply to after the sale date of my home. This would result in a sheriff 's sale of my home and the rendering of my appeal alleging fraud moot.
This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything.
Ongoing issues with Bluebird American Express where everytime you have a refund come back from a retailor the transaction is held for several days under merchant credit review. I had a refund from a merchant who physically swipped my card to issue refund around XXXX. On XXXX it was placed on merchant credit review. Today on XXXX i call for an explanation and i get told its for security reasons they hold the refund and that they review the transaction. Magically it will be released tomorrow XXXX. XXXX business days later.
I received a settlement letter from Citi Bank, N.A. Home Depot Company stating that I'm eligible to settle the debt in full for {$4.00}, XXXX by the due date of XX/XX/2018. I called to clarify the content of the settlement letter, and The Home depot agent certified me that once the payment is received the debt will be written off ; in other words, I will be debt free, that was on XX/XX/2018. I agreed to pay the settlement offer which is {$4400.00} on XX/XX/2018. The agent took all of my bank information in order to withdraw the sum as of XX/XX/2018. I did NOT have that money in my account, but I anticipate to borrow it and pay it as the letter stated " it is a great opportunity. '' Now I just receive a bill statement from Citi bank-Home Depot stating that i have a balance due of {$6700.00}. 
Prior to the settlement I paid over {$2500.00} out of that {$10000.00} credit card debt from Home depot. Citi Bank, N.A. wiped out that {$2500.00} and stated that I owed over {$10000.00}, which is now {$11000.00}. When I called to find out what happened to my {$2500.00} that I already paid. Citi bank/home depot said it went to interest. citi bank/ Home depot is deceiving the Public ; Citi bank does NOT follow what is written on the contract. Citi bank/home depot is practicing balloons loans in a differnt way. what is written on the contract is NOT respected.