WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit -- in any of my TD accounts. Therefore, I filed a dispute on XXXX. I still have never received the said {$30.00} deposit, nor any communication directly from TD. I believe that their actions, as described in my original XXXX XXXX complaint and XXXX XXXX dispute, constitute unfair and deceptive practices. Given the absolute black and white nature of whether or not they made the said compensatory deposit to my account, in addition to the many other issues regarding crediting my savings account with the wrong interest rate multiple times, I believe that it is appropriate for me to file this new complaint, as was suggested to me by a CFPB phone representative. As detailed in my original complaint and dispute, I fear that countless other TD customers are being paid far less interest than what they are entitled to, and that they are not aware of the situation and/or do not have the ability to deal with the problem. Also, I am amazed that TD stated to your Bureau that they made a deposit to my account which, now, weeks later, still has not been made. 

Please note that I just moved to XXXX FL from XXXX MA a few days ago. My original address was XXXX XXXX XXXX # XXXX, XXXX, MA XXXX ; my original phone was XXXX.
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX  deleted this account how did they delete it if you verified it with XXXX and XXXX
Received a call from an XXXX first an automated machine said to have my legal counsel contact them and I waited to get someone on the phone the lady answered and said that the companythey where calling from was Wexford refused to give address said they were sending the police to get me and that I was charged with theft of services tied to my social but would not tell me more other than I better send her money Woman refused to give details or an address I hung up they called repeatedly XXXX times after with in seconds of each call
Equifax mishandled my information and did not properly secure our information from malicious users which puts me and 143 million other people ( according to : XXXX XXXX XXXX ) at risk with our SSNs in jeopardy. 

These SSNs stick with us for our entire lives and they want to provide a measly 1-year credit monitoring ( which requires you to waive your rights ) as if malicious users ca n't wreck havoc on our credit after a year. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
On XXXX XXXX, 2017, I mailed a letter to Equifax, demanding proof of certification of permissible purpose for multiple inquiries on my credit file, pursuant to FCRA 609 ( 15 U.S.C. 1681b ). Equifax did not send me the information demanded, instead treating the matter as a standard dispute, complete with their standard response that inquiries are a matter of factual record. I have, in the past, sent Equifax documentation showing that several of these creditors in fact did not have permissible purpose, yet they refuse to remove the inquiries from my credit file. I have also filed previous complaints with the CFPB, but there has been no resolution, other than the CRAs involved responding with the same " cookie cutter '' response, and the CFPB considering the matter closed. This most recent incident is a clear case of willful non-compliance with the Fair Credit Reporting Act, and I would like to see some form of enforcement.
All the potentionally negative credit in my report from experian is from more than 7 yrs old. They keep updating the date fraudulently, when all of them were more than 10 yrs ago. I called experian and the gentleman that took my call told me many thing which would make me loose my rights under the law. I felt that the credit company was sponsoring to commit fraud to the consumers ( me ).
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, Experian and XXXX ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.
item is listed as " charged off '' on credit report and I would like this removed from my credit report please
I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXXand XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and  XX/XX/XXXX. I did not authorize my credit to be ran on either of these  days by any of the companies being shown.
I was left a voicemail stating they would pursue a check fraud case against me which is not true and/or possible.
I keep getting inquiries from Chase Bank about a credit card application. The dates are, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I called Chase in XX/XX/XXXX, after receiving the second notice that I had been denied credit that I had not applied for. They told me that I would have to wait 60 days to have this inquiry removed my credit report and that would notate a potential fraud alert in the future. When I called them a second time, someone from their fraud division spoke with me and said he would submit the information to the credit bureau again. The third time I called them, I was told that Chase could not control or stop the application inquiry because they had no way of identifying me when an application is submitted. It seems obvious to me that these applications are being done online through XXXX, which is the type of Visa card someone is trying to obtain. I am exasperated and don't know what else I can do to stop this. My credit was already below standard and I am trying to build my credit score up and these inquiries are bringing it down even more than it was before. The credit bureau has done nothing either ; after I called them and told them the problem.
I received a copy of my credit report and i find two hard inquiries that were not authorized by me. I contact XXXX XXXX and XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. I recently check my credit report and XXXX XXXX added another inquiry to XXXX  report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, XXXX XXXX and XXXX  won't help me fix it. Please remove XXXX/XXXX XX/XX/XXXX and XXXX/XXXX XX/XX/XXXX from my credit report.
I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.
On XX/XX/2018 my agent entered my local Citibank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit a promissory not with the value of {$10000.00}, to be divided as follows ; {$10000.00} to be credited to my account with that branch, as well as {$500.00} in cash or federal reserve notes. The person i spoke with accepted the promissory note, implied that he understood the conversation was being recorded, and expressed his understanding of the debt created by his acceptance of the promissory note as a representative of THE BANK. the MANAGER of the bank was standing there between us participating in the conversation. SHE ( XXXX ) admitted that she had made multiple mistakes during the conversation, including calling themselves representatives of the bank, instead of employees of THE BANK. 

The teller ( XXXX ) accepted the promissory note, from my hand to his, and said the words " I'll accept this promissory '' and " the funds will be credited to your account tomorrow morning '', but the funds were never credited to my account, and no cash was supplied as had been ordered with the deposit slip. 

These underhanded business practices by THE BANK and " it's representatives '' has eroded my faith in the Federal Reserve Banking System in its entirety. Please see that the bank honors the promissory note that IT has already accepted as well as any future promissory notes I will be depositing.  thank you and have a blessed day, XXXX XXXX
In XXXX XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of {$1100.00} to the various credit reporting agencies on XXXX XXXX, XXXX. The original creditor 's name on the collection matter is CashNet USA. 

On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from XXXX XXXX about this debt, giving me the right to dispute or understand the claim. I was told by XXXX XXXX XXXX that they spoke with me in XXXX XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with XXXX XXXX about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I can not say the origin of these calls, but I have not spoken to XXXX about this debt. 

XXXX XXXX XXXX informed me that this matter is about a payday online loan obtained from CashNet USA around XXXX XXXX and became delinquent in XXXX XXXX. While I do recall using CashNet many years ago, I have not heard from CashNet or any other XXXX about a balance owed, and a request at this time is extremely strange. CashNet debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled. 

I asked XXXX XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that CashNet debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help. 

I was recently informed that such loans are not legal in Virginia and the loan is void. I believe CashNet and XXXX XXXX XXXX is fully aware of this situation. CashNet and or XXXX XXXX XXXX should provide proof that this loan is n't void, and until documentary proof of a debt and that the loan is n't void, I do n't think they should be putting this on anyone 's credit report.
I have a company my name of XXXX XXXX XXXX attempting to collect a debt I do not owe. I have attempted to resolve this issue with debt collector but company refuse to provide any type of evidence that this debt belongs to me. Only thing company has done is send statement in mail but has not provide me with any proof
I have disputed this several times with no validation and no way I owe this. I need some help.
Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and derogatory account removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Fraudulent Account : XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act sections 604 605 608 609 610 611 states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX XXXX
Navy Federal Credit Union denied a fraud claim on our account. The charge was absolutely fraudulent. My husband 's card number was stolen ( along with 2 of his other bank cards ) and was left without any cards to use during a business trip. My husband had more than enough money on his card to cover the said charge, but it was not ours, so we submitted a claim. The amount of the charge was for XXXX from " XXXX '' in XXXX. This occurred on XX/XX/2018, and the claim was denied on XX/XX/XXXX. Navy Federal is not being helpful in this matter at all, and is refusing to make things right.
I went to a dealership on XXXX/XXXX/15 and chose a car from the few that he was willing to work with me on. He told me i had to put some sort of deposit down in order to even HOLD the car so no one else would purchase the vehicle. He also stated that he would not cash the money order until i brought the other portion of the down payment as well as the dealer services of {$99.00}. 

Less than a week later on ( XXXX/XXXX/15 ). I have realized that i can not afford to get that car as it is a luxury vehicle and way out of my price range. I called the dealer and he told me that he had deposited the money order on XXXX/XXXX/15 and i would have to wait for this to clear the bank. 

I then called the bank and was informed that the money order had actually been cashed on XXXX/XXXX/15. He refuses to have a professional conversation with me over the phone and refuses to refund my money. 

I have not signed a finance agreement or contract or anything of that matter. I do not have a car. I have nothing to show for what is going on other than the receipts and the blank page that he sent me home with to get references for this deal.
My mortgage company is Nation Star Mortgage i tried to refinance my mortgage to find out when a credit check was performed Nation Star has on my credit report that i have a home equity loan on my first mortgage i do not i took out a home equity loan for XXXX dollars XXXX XXXX company it was paid off i explain the to Nation Star. XXXX transferred my loan to XXXX almost two years ago i do not know if they have me mixed up with someone else i told Nation star the problem and i have been getting the run around from these people. I can not get any kind of help with my mortgage until they straighten this mess out i have the documentation that my loan was paid off and i ask Nation Star to show me where i signed for an first mortgage they could not i need help with these people they are difficult to work with.
I was informed that Barclays closed my credit card. I have had this account since XX/XX/2011. I believe I was targeted and unfairly stigmatized by this institution. I currently have a balance of {$2100.00} with {$2400.00} credit line.
Glasser and Glasser PLC of XXXX, Virginia attempted to confiscate my Federal Student loans which were twice the amount that was owed originally. The account doubled in two to three months. This was in XX/XX/XXXX. They won a judgement against me in XX/XX/XXXX by misinforming me why my account originally went to collections. This led to them drawing from my checking account for roughly the amount I told them I would be receiving in financial aid and right when I told them I would begin to receive it. Glasser also set up a date for a settlement that I did not agree to, then sent me a letter saying I missed the payment followed by filling for a judgement. I have n't had any communication from them in three years.When I went to refinance my house in XX/XX/XXXX, they showed up and say that I owe them XXXX XXXX dollars in interest on a loan that was roughly 8900 dollars. Through garnishments, they have collected nearly 11 thousand dollars. The garnishments stopped in XXXX. The damage caused by this company has endured for close to a decade creating health issues and financial hardships. Not to mention physical damage to my house while they were garnishing my wages in the middle of winter and the heat went out. Glasser refuses to negotiate a reasonable settlement and keeps demanding paperwork that no longer exists for my home refinance that is no longer going to happen. It took 3 years for them to provide paperwork related to the account as to why it went to collections. Upon review of the details, it showed that I was charged for a month when I did not have a payment due because of a promotion through the creditor. I pointed this out to Glasser and Glasser and they refused to do anything about it with the exception of one representative that looked into the notes and acknowledged that I was under the promotion when I was charged a payment. They continue to do nothing about it. All I seem to get from them is " Shut up, pay us. ''
Contacted XXXX, equifax and XXXX on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.
I am submitting this complaint today to have my credit restored and to inform CFPB about this companies misconduct. I had a Wells Fargo Account ref # XXXX. The account has been closed and Wells Fargo is attempting to pursue collection activities by updating the balance every month on a debt that is past the statute of limitations. This misconduct had damaged my credit more than legally permissible which is a violation of FCRA. Attached to this complaint is a copy of small claims suit I filled up and readied to be filed if the issue will not be resolved with CFPB 's intervention.
I am aware of the lawsuit filed against OCWEN in federal court this year. I read a copy of the filed complaint and have experienced just about every issue in the complaint. I have had payment misapplied for years and then I have had to have them reversed while being reported late on payments even though it is OCWEN who applied to payment wrong. What is most concerning is when I request my loan history and those transactions do not appear as if someone has removed them to cover themselves. I have contacted OCWEN several times over the past 5 years to dispute my issues when I have been reported as late on a payment and all that happens is I am spun around in a circle with make believe math to explain how they have come to the conclusion that I owe funds. Some of the late reporting against me has also occurred while I was XXXX as an XXXX XXXX service member and OCWEN was well aware of that fact as I have been an XXXX XXXX service member for over 17 years. Even though I have pointed out that I was XXXX and offered to provide proof the negative reporting remains. This has destroyed my credit rating and as a service member with my particular job it has the potential to impact my lively hood. Last year I over paid into ESCROW by almost {$2000.00} due to changes in my property tax rate. OCWEN issued payment to the state and is now refusing to issue me my refund. I should have been issued my refund in XXXX or XXXX of this year but still have not been given MY MONEY. They are illegally with holding money that does not belong to them and insist they can hold those funds indefinitely. It seem counter intuitive that OCWEN thinks I am late on my mortgage but at the same time would not give me money that I could use to make myself current. When does common sense take effect. I have filed complaints before but I am hoping with current action being taken against OCWEN that something will finally get done.
Experian is providing false information. This is about business accounts not personal! Screenshot attachment At XXXX on XX/XX/18 I called Experian to report unauthorized accounts providing my business and personal info publicly and incorrectly. A very rude XXXX guy named XXXX in XXXX refused to give me his manager, lied stating he was the only one I could talk to, and racially discriminated against me because Im XXXX XXXX! Experian refuses to correct the false information it is reporting on my behalf. There are two incorrect business listings that are not even valid companies and need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are providing incorrect information, this is not the business name. It is not the business address, nor has it ever been. Please fully delete and close out both of these accounts listed above from your system that are linked to my company. The individual stony hung up the call on me for absolutely no reason after racially discrimination and refusing to help me.
I have repeatedly contacted company and have gotten 4 different excuses on why collections from Tulsa adjustment bureau and also faxed numerous paperwork proving bill was discharged in bankruptcy. ive disputed this bill with credit bureau numerous times yet Tulsa adjustment bureau has responded all info is correct. Tulsa adjustment bureau has reported this debt to XXXX as recently as XXXX XXXX 2017. clearly this was after all my previously efforts to resolve this issue.
Experian is reporting my private information without verifying the accounts being reported. This is is in violation of Section 609 of the Fair credit reporting Act.