WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( XXXX and Experian have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.
ATTN : Legal Dep artment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsecti on ( 8 ) ( D ) . The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sect ion 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FC RA 623 ( 8 ) ( E ) ( iii ) establish es a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  Portfolio Recovery Associates   XXXX ,  XXXX
This company says that I owe them {$81.00}. I have never owed a company such amount ar have I had any contract with such company. In fact I do not know what this is and I request some detailed explaniation. 
Thanks in advance
This refers to Consumer Financial Protection Bureau complaint # XXXX. 
I have sent all required documentation to Shellpoint as of XXXX XXXX, XXXX. I have asked Shellpoint through a XXXX XXXX XXXX ( at XXXXXXXXXXXX ) if anything else is required for the Modification review. As of today 's date, XXXX XXXX, there has been no response from XXXX XXXX with Shellpoint. 
Today I filed the attached complaint with the XXXX related to their settlement with XXXX in XXXX XXXX. 
Please help me get an affordable Modification for my Mortgage
BBVA Compass is scamming customers. 
When a customer pays their credit card bill at the BBVA Compass website, here is what happens : The funds are IMMEDIATELY withdrawn from the customer 's checking account. 
However, it takes 5 days to post to the credit card. 

I often transfer {$5000.00} from my checking account to my credit card balance ( on the BBVA Compass website ), and this happens everytime. 

Bottom line : they TAKE my money out of checking immediately, but withhold the payment to my credit card for 5 days. This is unfair to the consumer who now can not access the money from the checking account, but still does not have their balance cleared on the credit card.
On XX/XX/XXXX, I mailed Experian, via certified USPS mail, a formal, written request for Method of Validation for the results of my investigation into the following accounts my rights per FCRA Section 611 : XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX- Acct # XXXX Experian received my request per USPS XXXX # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and Experian failed to comply with this request during the 15 day period. Experian demonstrates a failure to comply with investigation timelines. I fully intend to sue if necessary to rectify these errors which are very serious inaccuracies which are hurting my ability to obtain credit. I do not believe Experian has contacted these companies, but instead relies on their automation system that includes inaccurate information related to these accounts.
On my XXXX credit report a debt to XXXX XXXX for {$1000.00} for services on an address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX. This is not my debt I have never lived in XXXX XXXX SC or anywhere in South Carolina nor have I ever given anyone permission to open an account in my name. When I disputed this charge with XXXX they told me to contact the collection of Amisher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX for a resolution. I have written to Amisher Collection Services but they have not given me the courtesy of a reply. Also XXXX said they could not remove the address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

So I am asking that you have the XXXX XXXX debt and the address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX removed from my credit report as neither of these things belong to me and should not be on my credit report. 

Thank you for you assistance in this most depressing matter.
I was pressured by high stress sales tactics into taking an auto loan I could not afford by XXXX XXXX in XXXX XXXX, New York. They insisted on finding a bank to issue a loan after being refused by three or more other banks. They did not make it clear that the total amount of the car purchased was higher than the value. Now I am in the position of having to apply for a loan modification on my mortgage and guess which bank is giving me a three-year runaround? The same bank, Citizens One, that approved my auto loan. So, I guess my issue is with both XXXX XXXX and Citizens One Auto Finance. I already have a complaint filed on my mortgage loan modification with Citizens One.
On Saturday, XX/XX/XXXX I noticed a fraudulent debit pending in my checking account. I reported the transaction to Wells Fargo 's Fraud Department. It appeared that someone had paid a bill online using my checking account information. Wells Fargo advised me that it could have been the result of transposed numbers and that they would reverse the debit. On Tuesday,XX/XX/XXXX, additional fraudulent debits hit the account, similar to the first one. Wells Fargo closed the account and did what they called a " lost/stolen transfer ''. I was told that they would not allow any new fraudulent electronic debits to post and received an email with a list of previous electronic debits that were not fraudulent that they said they would allow to post. I began to use the new bank account, but on Friday, XX/XX/XXXX, received an email that my new account was overdrawn. I immediately called Wells Fargo and was told that they had allowed at least one more fraudulent debit to post. I was told by the Wells Fargo agent  that they should not have done a lost/stolen transfer, but closed out the account altogether. On Saturday, XXXX XXXX, Wells Fargo opened a third account for me. I was also advised that they had paid two more fraudulent debits. The second account remains in negative status, is assessing overdraft fees and only the first fraudulent debit was reversed. I was told on Monday, XX/XX/XXXXthat it would take 7-10 business days for Wells Fargo to process the fraud claim and refund the money to my account. However, the remaining fraudulent debits occurred as a  result of the fact that Wells Fargo allowed the transactions to post after they were notified about the fraud and had advised me verbally and in writing that they would be rejected. I 've spent over eight hours of billable time trying to resolve these issues and, as such, it has affected my business and my clients.
I applied for the total discharge due to XXXX. It got approved. But NAVIENT has marked my credit report 90 days late and on the XX/XX/XXXX it will be marked 120 days. My discharge was approved in XX/XX/XXXX. Thanks to NAVIENT. My credit report has DROPPED XXXX POINTS. Plus they are still charging me interest. RIGHT OWN THEY HAVE CHARGED OVER XXXX INTEREST. I have paperwork and emails where my loan was dismissed. This is affecting me buying a house with them continuing marking me late. Please do something. Thank you
As astra recovery is posting inaccurate information. Ive asked them to verify all documents 90 days and no response.
I filed a complaint with cfpb against Ocwen and was led to believe that cfpb would pursue that company and make them repay monies they illegal took from an Escrow account. I was told by cfpb that I would have a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and I have not heard from either. 
I guess you guys just accept complaints and do nothing about them. Just another new, but not novel bureaucracy to inspire hope but deliver exasperation. 
Thanks a lot people for putting my taxpayer dollars to good use, once again. 
Case # XXXX XXXX
I obtained a mortgage loan from XXXX XXXXWashington Mutual ( WaMu ) in XXXX which was securitized and placed in XXXX XXXX. 
In XX/XX/XXXX, WaMu was closed down and the FDIC became the receiver of its assets which, FDIC, in turn transferred or sold to JP Morgan Chase. 
I made payments to Chase from XXXX until the end of XXXX. 
Chase gave me a predatory loan modification in XXXX. 

In XX/XX/XXXX, Chase signed a {$13.00} XXXX settlement with the Department of Justice based on its fraudulent activities from securitizing mortgages from XXXX through XXXX. Chase is providing relief to homeowners through XX/XX/XXXX ( so time is of the essence ). 

I called to ask for relief since the trust into which my securitized mortgage was placed ( XXXX XXXX ) is listed on XXXX XXXX which lists the securitized mortgages that would be entitled to relief under the settlement. 
The customer service representative at Chase informed me that I was not entitled to relief since my loan had been transferred to XXXX XXXX XXXX. But they are merely SERVICING loan, Chase is securitizer, investor and owner!!!!
Experian never responded to my letter in regards to a medical debt that they claimed i owed. I do not owe any medical debt from XXXX XXXX. I sent a written letter asking them to validate on XX/XX/2017 and verify that the medical debt was mine and recieved no response.
I have been contacted by Berlin Wheeler regarding a debt for the XXXX Clinic. My current doctor is in that office. I have been contacted several times by phone. I have asked for validation of this debt. This has never been provided. I have an account with the Clinic and make monthly payments on the account to XXXX Clinic. I have told Berlin Wheeler that I will not pay them, also not to contact me by phone.
I have asked for verification several times, but have yet to receive it. The calls continue, nothing in writing has been provided. Also, if this is reported to my credit bureau, I will file suit against XXXX  Clinic and Berlin Wheeler for FCRA violations.
I file a complaint with the XXXX credit Bureaus Agencies regarding a Collection Debt from Resurgent Capital Services, they Wrote me a letter on XX/XX/XXXX with an Payment statement advising me that such account was mine, I wrote them back and told them that I found inconsistencies along with the information they sent. as Date Account was open, the Balance of the account is incorrect, Last payment there were No payments made since XX/XX/XXXX they altered the account open date, because how do you explain that if it was open on XX/XX/XXXX according to their outdate info why the account would be removed until XX/XX/XXXX is n't it true that will remain 7 years minimum if the account was open XX/XX/XXXX to XX/XX/XXXX is 4 years, there is many discrepancies that are not accurate at all.
The dispute stated unable to locate credit report. I received a credit report dispute letter stating the items I disputed was not on my file however, they are listed on the credit report I received on XX/XX/2016 : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
There are XXXX hard inquries from BB & T that are showing on my XXXX report. A authorized soft inquiry was done to open an account. On XX/XX/XXXX2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my XXXX report. This is damaging my credit when I have only applied/ authorized XXXX credit pull for one credit card. I currently have an account with BB & T and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XX/XX/XXXX 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.
I have sent a certified letter to the company in question to verify and gather other information per the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and they have stated to me that they are not required to provide any information that is required.
I am writing tin regards to the following account : Bank Name : BANK OF AMERICA MICHIGAN Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX  Phone : XXXX The account is closed-Purged on my XXXX XXXX report which i got after trying to open a new account with XXXX XXXX. However this account was close by the bank as they suspected fraudulent activity which I was the victim of a scam and not the perpetrator. 

On XX/XX/XXXX, I travel to the United State of America where I was XXXX  as I was seeking XXXX. I was XXXX  at the XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. During this time I had no access to any technology, my bank account, my bank of America debit card or the outside world. Also during this time frame a number of fraudulent activity activities were on my account which is the : Bank Name : BANK OF AMERICA MICHIGAN Bank Routing # : XXXX Account # : XXXX When I was release on XX/XX/XXXX, I discover this and reported it to the bank and file claim on the transaction, I was also told that I would need to go into the bank and close the account as my banking personal information was compromise and whosoever was doing it can do it again. I went to the Brach office in XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX. I was inform by the branch manger that she could not assist me as I didnt have an ID ( thats my passport ), although I had my ; 1. Bank Debit Card with my Photo ID on it, 2. A copy of my passport 3. My SSN Card 4.  XXXX  National ID As they need the physical ID thats on file which is my passport. Due to the fact that my Passport was held in U.S. Immigration and Customs Enforcement XXXX, until recently when I was granted XXXX  on XX/XX/XXXX, I could not president my passport to the bank. 

With that said, I could not close the account and fraudulent activity activities continues on my account which include : My online account password was change ; Numerous attempt on signing on my online account ; An a sign in on a device thats known for fraudulent activity as advise by the Bank when I call enquiring about my password being change, and ; Among other thing. 
I was then inform that as according to their bank policy they would close the account and none of the funds I had in the account was return. 
In concluding, Bank of America didnt do as much as to protect my account despite my many attempt to close my account to avoid those fraudulent activities that led to the bank to closing my account in the manner ( Closed-Purged ) they did that benefit them and leaving me a Victim Fraudulent Activities.
XXXX, Transunion and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.
I applied for the XXXX XXXX Credit Card two weeks ago. On the site it offered a {$200.00} STATEMENT CREDIT after spending {$500.00} in the first three months. I applied for this card and was approved. Upon approval the page loaded and now said that I would receive a {$200.00} XXXX GIFT CARD. Normally, this would not have been much of a big deal to me but because we are going to XXXX in less than a month, the gift card would arrive too late for us to use at the park. Since, the promotion being advertised was NOT what I was being given I decided to call the company and ask them to uphold the offer that I had been promised when applying. I worked with them ( was told I 'd need to meet all requirements BEFORE they could submit anything for me ) and after meeting ALL of the requirements I called back and submitted a request to receive the promised {$200.00} as a statement credit. They sent the issue to their Advertising Dept. where it was rejected. I called back and this time asked to speak with a supervisor. This supervisor was VERY HELPFUL, he went to the site that I had applied for the card from, saw that I had in fact been offered a different promotion and told me that he would push it through and make sure that they " did what they had promised. '' I felt assured that all would be resolved and waited. Then today I received another written notice that my request had been denied. I called and was informed by a supervisor that there was no other option for me to resolve this, that there was no one with more authority that I could speak with and no way for me to speak with someone in the department that rejected my claim. He told me there was nothing else that could be done regarding this situation and while I sat there in shock at being told that they would not continue to help me with this, he politely hung up on me. I can not believe that an established and trusted company such as CHASE bank would treat a customer this way. I did everything required and their promotion is falsely advertising something they are not willing to give. I also calmly tried to give them a chance to make this right and was treated very poorly AND they have done nothing to resolve the false advertising which can be easily viewed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This whole situation has left me feeling powerless and unheard so I am hoping that the CFPB will help me to hold CHASE accountable. The last supervisor I spoke with made it very clear that the company did not care what they had promised and that I could not do anything about it. I do not believe that this is appropriate or fair. 

Thank you so much for your time, XXXX XXXX
I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
For over a year, Bank of America has responded to our home loan modification request due to financial hardship with repeated requests for financial documentation that we have already sent them. This is a fraudulent tactic described in the Quarterly Report to Congress of XXXX XXXX, 2015 from the Office of the Inspector General for TARP, naming Bank of America specifically. We conclude that Bank of America has never intended to modify our 7.25 % interest rate to one closer to current market rates and has acted in bad faith.
We have FHA loan and our PMI payment is {$180.00} which is over 10 % of our mortgage payment per month. We have over 20 % equity in our house and M & T Bank is our servicer. We have requested to drop PMI but M & T doesn't agree and states states it is for lifetime of the loan. This is a lot of money per month for us and we thought it was for short term and will go away as soon as we have some equity build up.. Now we are questioning if we can sustain it for a long period.