WillisBack/dataset-financial-user-claim huggingface dataset:
Shame on cfpb you did n't do anything monster SLS will Auctiin my home they never tryed to work out anything without attempts to help they sent my account to collection and they gave us 30 days to either pay {$XXXX} XXXX or they will Auction our home this is a shame embarrassment my husband was laid off ghen government shut down his school the stress put his health in great danger and myself i was diagnost with XXXX XXXX what 's going to happen to my XXXX with everything keeps happening all I need is to become home less we are waiting for his social security to come through government casss takes time XXXX SLS did n't do anything so many program they Justi want to take our home.
So when some one put in a difficult times or put on financial difficulty which caused by employer fact is there is no help government do n't care and all of these bank regulation and programs for mortgage assistance are just a joke I need help now Monster SLS is selling my home i need help
I am a victim of Equifax 's security breach. I now have to spend money to protect myself and my credit because of Equifax 's negligence - specifically to freeze my credit until I can determine the extent to which Equifax has allowed my information to be disseminated.
I sent letters to equifax to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.
I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances
After reviewing my credit reports I notices several medical accounts and an auto account that did not belong to me and was a result of identity theft. In XX/XX/2018 I sent the 3 credit bureaus a letter, a copy of my identity theft affidavit and supporting documentation. However, they continue to violate FCRA section 605 and did not remove the items. The following accounts are still be reported on my account by Transunion and XXXX and are a result of identity theft. 

the fraudulent accounts being reported on Transunion are : XXXX XXXX XXXX Acct. # XXXX, XXXX XXXX Acct. # XXXX, The fraudulent accounts being reported on XXXX are : 5 XXXX XXXX XXXX account # XXXX with a balance of {$26.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$56.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$40.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX Acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$150.00}, XXXX XXXX Acct. # XXXX.
In XX/XX/XXXX I overdrew and account and all monies were paid back when I reopened the account in XX/XX/XXXX otherwise I would not have been able to reopen any checking or savings accounts. In XX/XX/XXXX they went into my account again adjusted it again for XXXX which was paid in XX/XX/XXXX. I disputed it and it was returned. My account was again offset in XXXX for XXXX. I filed a complaint with the federal reserve and all monies was returned again, As of XX/XX/XXXX the loss department headed by XXXX XXXX withdrew it again without notice. I explained that there are no monies owed or I could n't reopen the account he was crass and careless saying the money was owed without any evidence.
XXXX XXXX XXXX XXXX Charges a $ 95 yearly fee in exchange for XXXX free checked bag on XXXX XXXX when a reservation is made using the card. 

I made XXXX XXXX airline reservations online and discovered the card had expired. I had not been sent a new one. I had to use a different credit card so I will have to pay the XXXX baggage fees. I called the company and was told it was up to me to keep up with when the card expired.
Hi, 2 weeks ago I linked an account in order to make deposit on Coinbase. So I just sent XXXX euros and the day after my account was linked and the XXXX euros were on the account. 

The XX/XX/XXXX I did a XXXX euros deposit through the internet site of my bank ( who has coinfirmed that the money went through ) to coinbase account, but instead of doing it from the linked account I did a mistake and sent it from another one ( Which is also at my name ). I used the same code as the linked account to put as an information for the deposit. 

On their internet site they say that in such case the money would be refunded under 10 days. So far it has not been refunded. And since the XX/XX/XXXX, I am sending requests through their website, and I have got no answer. 

I thought I could try to link the account afterward but as the BIC ( Bank identifier Code ) number is identitical from the other one ( of course it is the same bank ), it won't let me do it, there is an error message. 

AS I thought I just had to wait for a refund and I'd get soon a reply to my request, I then sent again XXXX euros from the linked account the XX/XX/XXXX. Coinbase say on their internet site that for SEPA transfer from XXXX it takes 2 to 3 business days. But so far nothing. The worst is, as already said, you have absolutely no one from their customer service to reassure you and answer your requests in an normal delay, which should be the mnimum with this kind of money service. I am let totally in the dark. 

I am a XXXX  citizen but as the customer service is only based in the US I have no other way than making a request through CFPB. 

Could you help me? 

Thanks
The lender Household finance is saying that my maturuty date has expired - so I need to pay the balance or do another loan to last 10 years. I need them to provide all the documents to prove what they are saying such as evidence of the maturuty date. and all documents.
I recently discovered multiple hard inquiries on my Transunion credit report that I do not recognize & did not give authorization for the hard inquires to be pulled from my credit. I sent a letter via certified mail to Transunion that was delivered on XX/XX/XXXX (  with a receipt confirmation ) and faxed a copy to Transunion with a confirmation the fax went through, stating that I did not authorize anyone employed by the listed companies to make any inquiry and view my credit report. In addition to informing them that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I asked that they please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. Furthermore, in the absence of any such documentation bearing my signature, I formally requested that these fraudulent inquiries be immediately deleted from my credit file that they maintain under my Social Security number. 

I also made a note that they had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. I then followed up with a phone call to dispute and the customer service representative for Transunion refused to remove inquires with no further explanation and was extremely rude. 

After 30 days from Transunion receiving my initial certified letter, I sent a second certified letter that was delivered XX/XX/XXXX request removal of inquiries & stating that according to section 604 of the Fair Credit Reporting Act, a credit report may only be acquired for a permissible purpose & it states those permissible purposes as : a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The credit inquiries that I listed out in my letter are related to none of the aforementioned permissible purposes & were not authorized or given permission to access/pull my credit.

I, once again, requested that Transunion remove these inquiries from my credit report immediately or provide written signed authorization by me ( within 30 days ), granting these companies/creditors authorization to pull my credit report or permissible purpose for which the credit inquires occurred without my knowledge, in addition I enclosed a copy of my passport as proof of identity.

I have attached both certified letters that I sent to Transunion ( the first one was faxed as well ), along with the certified confirmation receipt of each delivery. I also included the hard inquires that are still listed on my Transunion report as of XX/XX/XXXX- showing that Transunion as yet to remove the inquires despite my multiple  requests to remove from my report, hours spent disputing over the phone, & time and money used for certified mail & fax to ensure delivery. The requested validation of each inquiry was never provided for me to include in my complaint. 

Transunion continues to just ignore my legal rights as a consumer & continues to report inaccuracies on my credit report hindering my credit worthiness.
When Bank of America transferred servicing of my loan to XXXX they had added {$16000.00} of interest to the principal without providing me with a Form XXXX for that interest. They called the interest deferred interest without sending me a Form XXXX or reporting it to the IRS. Bank of America ( BANA ) was involved in a class action suit ( XXXX v BANA ) in 2014 over deferred interest. In that case the bank admitted they had changed their system to not report deferred interest as required by law. After the case was settled they sent corrected Form XXXX to the mortgagees of loans that they were still servicing but not to mortgagees of loans that servicing of the loan had been transferred. They did add the deferred interest to the principal before the transfer and when asked about it after the court case continued to call it principal that did not have to be reported. In the first complaint I sent to the CFPB they answered it with the usual it is deferred intereast and is principal and is not reported. They CFPB Bulletin of 2014 stated " A transfer does not relieve transferor servicers from their obligations under 12 CFR 1024.35 and  .36. Transferor servicers are obligated to respond to notices of error and information requests from the borrower ''. I requested the corrected Form XXXX within one year of the time BANA admitted in court to intentionally not reporting deferred interest. I have attached copies of my records and the Banks activity history printouts that match my figures and states what they have done. That is, add deferred interest to principal do not report it to IRS as income and do not report it to mortgagee as interest on Form XXXX and they transfer it to another finacial institution for full payment.
XXXX - CFPB allows the Safe Harbor act to be violated and are totally useless to protect citizens from banks. You are a complete waste of our tax dollars!!!!
I have done several online and written disputes with XXXX and XXXX credit bureaus to remove portfolio recovery who are not authorized to collect in the state of TX and with whom I have no contact. I also sent a cease and desist letter to PR but they have refused to comply. I only received an itemized bill when I asked for validation with my signed signature agreeing to a contract with them.
I took out credit card through Wells Fargo to pay for engagement rings at XXXX XXXX. I never received paper statements, so I would just call and make payments by phone. when I called and made payments representatives of Wells Fargo would tell me my next payment was due in two months. At the time I found this a little odd, but had miss placed my contract so I continued to pay that way. Not receiving any paper statements or late payment notices this went on for about a year. Recently XX/XX/XXXX I called to inquire about my remaining balance, to my surprise it was very close to my original balance when I first bought the rings. I spoke with a supervisor at wells fargo and she said my balance was high because of my late fees and because I had missed their promotional one year no interest so XXXX % had been added on. I explained to her what I had been told on several occasions about paying every other month. Wells Fargo said that is not their policy and they were sorry if someone misinformed me. I requested that she look back through recorded conversations, ( which they warn about every time you call ). It took a week to get back a hold of this supervisor in which she said non of my transactions had been recorded. I took it upon myself to record our conversation as well as another Representative in which the XXXX have contradicting information regarding how my payments work. I thought about contacting cfpb, but then I decided I will just pay my remaining balance but then it jump up once again and I can no longer stomach them doing this to me or anyone else. I just want to pay what I originally owed.
I have been flagged as impacted by the Equifax security breach. This constitutes incorrect use of my credit information because my personal information was divulged without my consent, due to the company 's inadequate website security.
I am filing this complaint because I feel li ke wells Fargo has cost me lots of money with my overdraft fees telling me I needed multiple accounts to manage my banking and now I am broke and owe credit card money visa I want help and an Audit on all the accounts that wells Fargo opened up under my  name I can give you all accounts that I have known about about that they opened up their might be more I really do n't know but my credit is  XXXX .
Equifax Public Records has not provided me proof of my : Name, Address, Social Security Number, Date of Birth attach to the Liens filed under Public Record Information on my credit file from the source that they gather the information as well as the correct of information as well as proof to show my Name, Social Security Number, Date of Birth, Address that has to show it belongs to me an is correct. 

Equifax has yet to provide any Documented proof of these liens from the source documented proof. I have also spoken to an attorney and my next action is to file suit on Equifax for incorrect information wrong amounts and other various information gather or reported wrong. Equifax no they can't give me the information I have requested by law because as my attorney told me that's not on Public information in the state of California by privacy laws of public records. 

I'm tired of Equifax responding to things with no documented proof and every one no Equifax is not a reputable company for actions of breach consumers information being exposed as well as to unfair credit practice on consumers as well as created information in various forms on consumers credit report.
I never applied for  an amazon.com visa signature credit card from Chase bank USA, N.A but was sent a denial for credit letter which damaged my credit report and credit score. I attempted to contact the company but there was not a single contact phone number or email address to contact them and I can not have my credit further damaged for months while they attempt to sort this out through regular mail. I also attempted to contact them through their website which gave no phone number to call unless you where already a card holder. I feel this is a blatant attempt at fraud for which I am paying the price through my credit score.
On XXXX of 2016, I received an alert from credit reporting agency that a negative account where put on my credit report, I contacted the debt collator requested information regarding the dispute, also disputed the inaccurate information with the credit bureau, waited for 30 days nothing, but I did heard from XXXX saying that they updated the info, when I check my credit report the false account still there, please help
Transunion is removed XXXX inquires and a collection account from my credit report however the information has now been reinserted. If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they ca n't put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item- I was never notified!
Dear CFPB, I 'm submitting this second complaint which is a continuation of the previous complaint Case number : XXXX which is now in progress. I need to tell you that Equifax is not being correct in their procedures under the FCRA. I sent official color copies of my passport and personal identification along with the issue regarding the incorrect XXXX XXXX account showing in my Equifax file. 

As you are well aware, federal law requires them to respond within 30 days. It has now been over that period ( 45 days ) since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies is a serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. They are essentially now taking 75 days which is not acceptable. I have proof from XXXX and XXXX who did diligent investigations and corrected the information with 30 days as I sent the same letter to all XXXX agencies at the same time! 

The other issue is that I was a victim of ID theft and 7 months ago sent them the police report and FTC affidavit. After spending 7 months of clearing this up I also sent letters to all XXXX agencies to remove the credit freeze and fraud statement so my files are clean. Again Equifax has not followed through on this either! I 'm going to go to federal court if they do n't get their act together.
Once again I am putting a dispute in with CitiMortgage. I was assigned a specialist who I worked with to get a modification on house. I sent all documents that were asked for by specialist. I was told that account was under review with under writer but they still were trying to foreclose. I emailed specialist a few times over the next few weeks and did not get a response from specialist with any updates. Next I received a letter a few days before foreclosure sale date ( XXXX XXXX, 2015 ) with a new specialist assigned. The letter stated due to recent internal business change. Tried emailing new Specialist and did not get a response. Called into CitiMortgage and rep advised no one was working on my account due to last rep closing ticket. I advised them that I could not get in contact with Rep over past few weeks and now they claim I need all docs but I was under the impression that everything was in and I was waiting on outcome. They advised even though I did n't know anything about missing docs. It was nothing they could do. So I asked if they were going to foreclose on my house while knowing that I did n't know anything due to no contact from specialist with updates. They advised yes. I asked if I could record conversation and response was no. Please look into their practices. Thanks
Care Credit company continues to have deceptive practices regarding interest rates on cards even after they were orderer to discontinue their unfair and deceiptive practices. I was in need of XXXX and I did not have XXXX insurance at the time to cover the cost. I was offered the card by my XXXX office. They did not explain in detail about " promotional periods '' or " deferred interest ''. The more I pay on my balance, the larger it grows. I am recently divorced and can not afford the growing balance on my account. It has also impacted my credit score as well. I would like a resolution to CareCredit 's unfair and deceptive practices. 


" According to the CFPB order, since XXXX 2009, consumers who signed up for the credit card frequently received an inadequate explanation of the terms. Many consumers, most of whom were enrolled while waiting for health-care treatment, incurred substantial debt because they did not understand how they could have avoided deferred interest, penalties, and fees. The CFPB began investigating CareCredit after receiving XXXX complaints from consumers. During the course of its investigation, the Bureau found evidence of : Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredit 's limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 
Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a 26.99 percent interest rate. 
Poorly trained staff : Many staff members in the health-care offices, who were responsible for explaining the CareCredit agreement to borrowers, had received little or no training by CareCredit, and relied only on pamphlets. In interviews with CFPB investigators, some providers admitted that they were themselves confused by the deferred-interest card. ''
I set up for on-line to pay bills, XXXX of payees were sent to incorrectly. Called to let them know, had tooken place on XX/XX/2016. Took my info, and stated they would start an investigation for payments. Informed me it would take 10 days. As of today it has been 12 days with no response from Wells Fargo. Because the institution sent the payments, I would get funds returned immediate. Called today and was on phone with XXXX different representatives, with no avail. 
XXXX XXXX
I opened a line of credit with PayPal Credit for {$2600.00}. I successfully purchased a laptop using this PayPal Credit line on XX/XX/2018. I have the email confirmation from the merchant to prove it was approved. I had to cancel the transaction because of delivery issues. I have since tried to use the PayPal Credit line multiple times and have been denied every time even though my entire credit limit is available. I called PayPal and the supervisor I spoke to ( XXXX ) on XX/XX/2018 advised me that I was being denied use of my PayPal Credit line because I was a new customer and I needed to establish history ( this was a theoretical reason as the supervisor could not confirm that precise reason ). I have since tried to use the PayPal Credit line to purchase items under {$20.00} in total to attempt to begin this purchase history. They have all been denied. I am in no uncertain terms furious that PayPal has opened a line of credit for me but has effectively made it impossible for me to use. This is the very height of deceptive and unethical business practices. I have never had such a negative experience with a credit provider in my 25 years of using lenders and credit providers. Further, because of this interminable delay I have lost days of freelance work wages and there is no way to be advised if or even when this credit line will be made available for actual use. This entire experience has been incredibly frustrating and infuriating.