WillisBack/dataset-financial-user-claim huggingface dataset:
I was offerd a remodified loan. Due to the high equity in my Home, I was approved. My loan became unachievable after taxes and Hazard Ins. were added without my knowing, making my account several months past due, very shady. I agreed to the Modified trial period and made my payments on time. I recieved the Modified Loan papers in the mail with a two week deadline to sign. I noticed they added Hazardous Insurance and Taxes to my payment. After calling, I was told I did have to pay the Taxes but not the Insurance as long as I had my own policy, which I do. I tried calling and spoke with a represetative named XXXX ID # XXXX who was very rude and gave no explanation why I would have to pay them for an Insurance policy I already had. I called back and managed to be transferred to the Ins. Dept., who explained to me that not only did I not have to pay escrow for insurance but figurewd out they owed me a refund. Now, I do n't have much time to reply before this offer goes away and no where to turn.
Equifax : ref XXXX letter of violation FCRA623 and FDCPA806 { b } which states that the creditor must enter a notice of dispute .if this is not entered the account can not report on the credit report, : you have been reporting with out listing dispute for last 6 months sense i started disputing this account { 1 } no dispute information { 2 } no last payment { 3 } showing a balance { 4 } No information on who claims they own account but reporting XXXX XXXX Who do not own account You equifax could not of investigated this account when asked because the information was wrong you are required to remove this at once NO 60 Investigation on your self for violation REMOVE AT ONCE FROM MY REPORT
Dear CFPB, I would like to cancel my American Express Platinum card. American Express Platinum will not allow me to cancel without taking my {$550.00} annual fee. I was charged this less than 45 days ago, they won't even give me a XXXX XXXX partial credit for it. I wasn't able to call in earlier as I just saw the statement that I am paying for tomorrow. I would like the CFPB to help so I can get my {$550.00} back or at least prorate it. They already did this to me in 2017 to keep my on board one year, they are trying to do this again and I am not happy.
Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called XXXX XXXX XXXX XXXX XXXX XXXX, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!
My banking records were subpoenaed from XXXX XXXX XXXX, by Bleier & Cox APC. The attorney illegally pulled records, in an effort to track down XXXX XXXX 's personal information, as we share an investment together. According to XXXX court records there is no judgement against XXXX. In fact the writ of execution has been rejected several times, with the latest being as recent as XXXX XXXX, XXXX. So how were Bleier & Cox able to subpoena bank records? The original judgement was answered by XXXX in XX/XX/XXXX in XXXX court. Since then the interest amount has allegedly grown from {$380.00} to, now, {$650.00}. The account has been sold or transferred XXXX times to different attorneys - all affiliated with each other. All attorneys are associates of XXXX XXXX who falsely claimed to be working for XXXX XXXX ( XXXX ). Court documents show that each attorney has moved the process to XXXX different courts, over 7 years, in an attempt to illegally carry out their collection process with incomplete court papers. XXXX XXXX XXXX do not represent XXXX, do not have proper documentation to subpoena bank records and do not have a judgement pending against XXXX. 
What 's worse, XXXX XXXX XXXX mailed the subpoena to XXXX on XXXX/XXXX/XXXX, according to metered stamp. It was received on XX/XX/XXXX ( Sat ) and the records were released to Bleier & Cox on XXXX/XXXX/XXXX, according to bank representative who spoke with the bank 's legal team member. I had only two working days to refute when I am allowed at least 5 business days.
A new collection item appeared on my credit file. I was able to successfully dispute the item with XXXX and XXXX. XXXX has since removed this collection item from my credit profile ; and it 's currently under investigation with XXXX. The only issue I 'm having is with TransUnion - I 've attempted several times on different days, with differents web browsers to initiate a dispute via their online website with no success.
On XXXX/XXXX/2015 I visited the XXXX XXXX store in XXXX XXXX Ohio at XXXX to purchase a no contact phone ( prepaid ) for my teenage daughter forget birthday that day. I found the product that I wanted and upon check out and activation the sales person asked for my drivers license. He said it was protocol - I found it odd, he was in the " post sale '' screen, the rep had to ask for help over six times in the transaction - my checkout took over 50 minutes to check out. The rep then told me that in order to complete the " sale '' I needed to input my social security number - he told me that XXXX XXXX XXXX required it. I input the requested info and then I discovered he ran my credit ; I never gave them permission to do so and furthermore to purchase a prepaid / no contact phone a credit check is not warranted. When I complained to a manager and asked if my credit was run he said no it was n't - he said the rep did n't get that far ; he lied. Later that evening I received an alert that XXXX XXXX had in fact ran my credit ( without my consent ) I contacted XXXX XXXX the next day spoke to a manager who apologized for the mishap but nothing was done about it. I have been trying to raise my score so that we qualify for a home. I was told that it was illegal for XXXX XXXX to take advantage of me ; through out the " check out '' the rep kept trying to push me into a contract phone - I continued to explain I did n't want a contract - I believe he attempted to tak advantage of the transaction - if I would have gotten a " contract '' phone then he would have gotten commission. My credit score dropped as a result of their negligence and I believe they should pay for what they did to me
1. I have XXXX inquires from capital one on my credit report and I only applied once. I have disputed the inquires with the reporting agencies and they say they are legit. They are not. I had a freeze on my account until last year I removed it and started cleaning my credit and did n't apply for anything until XXXX 2016. So to rebuild my credit I applied for a capital one card and was denied but the reasons in the denial letter are incorrect. 1. it says based on your credit report from XXXX, there are too many delinquent past or present credit obligations. ( the only thing on XXXX is my car never missed a payment a collection from comcast that has been disputed and removed from all the other agencies but XXXX. and XXXX paid tax liens from years ago that I have asked many times to be removed they are paid and released. 2. Based on your credit report from XXXX, number of delinquent past or present credit obligations. Again all that is on transunion is my car never missed a payment and the XXXX paid released tax liens Nothing else. 
3. based on your credit report XXXX, number of collection accounts. there is XXXX that is in dispute and was found not mine by the other XXXX reporting agencies but XXXX refuses to remove. 
4.based on your credit report from XXXX, your credit bureau report has missing information about an account or accounts. ( I do n't understand this at all I check it every day and everything is there. 
If your going to deny the credit at least get the information correct. and stop auto inquiring my account. because the inquires are killing my score. 
XXXX XXXX, XXXX XXXX and XXXX XXXX
When I first applied for this credit they offered a promise to charge no interest for the first year. As soon as I received my first months billing statement they denied me their promise of XXXX interest for the first year, and so on in every months statement from then on. 
In XXXX I made a full payment on the balance of about {$10000.00}, and after I finished paying the full balance i was sent on the following months bill a balance of {$100.00}, without me having made any purchases. I ended up paying that, and continued to use the card. 
On or anoutXX/XX/XXXX, i made a payment for the full balance of about {$5000.00}. The next months statement I was sent a balance of about {$500.00} in my statement without me having made any purchases. So, I closed the card, and so far refuse to pay this interest on a XXXX  balance. Capital One went on to try to access an old bank account i used to use and has been closed and attempted to collect that balance themselves. The charge did not go through, and now they are trying to tag on an extra charge based on that failed attempt to collect that I had no involvement in.
My husband and I had a lease with an end date of XX/XX/XXXX We were notified form the leasing office we needed a a 60 day notice letter regardless to move and, that was sent via email XX/XX/XXXX and was mandatory from the Building that we give them 60 day vacate notice regardless of lease end date which seems ridiculous as I would be able to leave on the date my obligation is up on the contract/lease. So our new move out date was XX/XX/XXXX. Upon moving out we were contacted later that we still owed rent for the months the apt was not rented. Pease also note they dramatically increased the rent during this time. they finally rented the apt after 5 weeks and are trying to hold us responsible for the rent in that interim. 

We are not rent responsible for anything beyond XX/XX/XXXX. We submitted a dispute and it was deleted XX/XX/XXXX. 
They replaced it on my credit report as of XX/XX/XXXX In the total charges there are rent charges and cleaning charges for move out charges we dispute as well, the cleaning fee of {$150.00} for the refrigerator which is highlighted at only $ XXXX- {$50.00} in our lease. Lastly we are disputing the {$400.00} parts fee for stovetop replacement as the stove was in that condition upon move in and its normal wear and tear it was in working condition and we were told that was normal for an electric stovetop. This company continues to harass us even though all paperwork was uploaded
Upon reviewing my credit report from XXXX  on XX/XX/2019 I found gross discrepancies that I have attempted to resolve in the past. I am left with no choice but to file formal complaint against three companies and inform all notified of my intent to litigate if not resolved. Both LVNV Funding and XXXX XXXX XXXX are attempting to collect on a Tradeline from XXXX XXXX XXXX with the partial account number beginning with XXXX. First, there IS NOT a XXXX XXXX Tradeline reporting on my credit file. Second, how are TWO ( 2 ) collection companies attempting to collect on the same account? Lastly, in addition to the above gross violations of the FCRA, these companies are attempting to collect two different amounts, for the same bank, with the same account number. As all involved parties should know, credit trade-lines must be reported with 100 % accuracies or be REMOVED from the consumers credit file.
Equifax has been non-compliant with removing the unverified account BANKRUPTCY : DISMISSED CH-XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that BANKRUPTCY : DISMISSED CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I became aware of a tax lien filed against me, Instrument Number XXXX, through a routine check of my credit report. After researching the issue, I determined that the State of Alabama erroneously believed that I was a citizen of the state during the XX/XX/XXXX tax year and therefore owed state taxes. I provided information to the Alabama Department of Revenue Office of Taxpayer Advocacy that resulted in Taxpayer Assistance Order # XXXX, which concluded that I did not live nor earn income in the state of Alabama during the XX/XX/XXXX tax year. Therefore, the final assessment on XX/XX/XXXX has been rescinded. Additionally, the State Department of Revenue recorded Instrument Number XXXX Release of Lien for Taxes. 

My credit was significantly degraded due to the erroneous tax lien, and I submitted the Taxpayer Assistance Order and Instrument Number XXXX, referenced above, to the various credit agencies to dispute the derogatory public record on my credit. Much to my chagrin, the credit agencies ignored the plain language in the Taxpayer Assistance Order I submitted and cited the existence of the original erroneous lien recorded in Instrument Number XXXX to find that a derogatory public record continued to exist on my credit. 

I again contacted the Alabama Department of Revenue and they sent a letter to the credit agencies requesting that reference to any tax lien be removed from my credit report. That was partially successful ; however, the credit reporting agency, Equifax, seems to be transfixed on the erroneous lien, and as long as a search turns up the instrument, no matter what logical argument is presented as to the validity of that instrument, my credit continues to be effected. 

I have filed three disputes with Equifax asking them to acknowledge that the State of Alabama explicitly directed them to no longer publish derogatory information pertaining to the erroneous lien. Equifax, however, continues to cite to the public record despite the obvious fact that it was a complete error on the State 's part. I am at a loss as of what to do.
Complaint Number  XXXX , was closed  XXXX   XXXX ,  2017 without contacting me. It needs to be re-opened fo r further research by  XXXX   XXXX   XXXX , there was a death in my family, & I did not have the time to respond. I 'd like the CFPB &  XXXX   XXXX     XXXX   XXXX   to investigate unlawful business practices at WFDS.  XXXX   XXXX  needs to be provided with correct information to conclude his research, which in part is provided belo w. Today   XXXX   XXXX  is the first time I am reading the agreement, that was forged with my signiture electronically.. The information  XXXX   XXXX  provided me with in his letter is false e. WFDS ha d my addres & the ability to contact me. They state they were unable to contact me, yet they were illegally able to track me down, and take my car  XXXX   XXXX ,  2017  on a Friday purposely because they are closed for the weekend. I 'd also like for the  FBI, SEC  and other agencys in   XXXX  Florida/NY  to investigate the mass ive cyber  breaches that have accurred at every singl le Wells Fargo Branch from NY to FL, that caused  me signifigant harm.. Please see attached documents.
I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that XXXX is reporting to these bureaus. 

They main problem is every other month, XXXX says, " we are reporting your information accurately '', then I check with the bureaus ; Equifax as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan. 

I have no payment history showing for any years previous to XXXX and XX/XX/2018. 
I have a problem with that because XXXX has collected my mortgage payment for years and they onlly show two months mortgage payment of XX/XX/2018. 

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices. 

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month. 

Who does that? I make a payment and they close my account when they try to report it????? "? 

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''. 

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information. 

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXXXXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXXXXXXXXXX Inquiry from XXXX XXXX, XXXX + Complete Dept. Stores XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Services, Not Elsewhere XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cr Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cr Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX Route XXXX XXXX, NJ XXXX
Hi, I noticed a hard credit inquiry on my Equifax credit report from XXXX XXXX, XXXX for XX/XX/XXXX. As I had not applied for any credit products from XXXX or otherwise consented for them to pull my credit, I called the company today, XX/XX/XXXX to  try to understand why. 

After spending 20 minutes on the phone with customer service, who was very nice and helpful, they found out that it was policy to pull credit on all new accounts at the firm. 

Now, that said, I 'm a XXXX XXXX, and I 've been a client of XXXX for about 8 years or so. I recently opened some brokerage accounts via their XXXX XXXX  platform, which XXXX acknowledges is the reason for pulling my credit. However, I did not apply for a credit product of any kind. Moreover, the MOST important series of facts is that there is no where, to my knowledge, in the account opening documents where I provided my consent. Additionally, if it was included in the docs and I somehow missed it, which would surprise me, it is certainly buried and in no way evident or obvious to a XXXX XXXX, and similarly is likely unknown to other consumers. Prima facie, this is a violation of the Fair Credit Reporting Act ( FCRA ) and I expect it to be addressed appropriately. If not, I will consider remedies under FCRA. 

Thanks, XXXX