WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX website ( XXXX ) is non-responsive, and that is where I make my student loan payments. For several months I have attempted to make student loans and have been assessed late fees because the loan payments have been made after a deadline. This is not fair, because I have attempted several times to make my payments online but their website is not responsive.
someone in Kentucky used my master card to buy from XXXX on XXXX/XXXX/15 for {$67.00} twas not I, my card has been hacked
For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -XXXX account ending XXXX ( they are saying late on XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-XXXX ( balance {$62000.00} ) late XX/XX/XXXX : I was not receiving a statement at that time and never late
In XXXX XXXX, I discovered a {$750.00} deduction in my Citibank Checking account. When I looked it up online, it was a payment to someone 's Citibank credit card using my checking account number. The person 's name was clearly listed on the transaction. I first spoke to a Citibank rep on the phone who had this fraud issue credited to my account. A much smaller deduction occurred by the same user ( less than {$75.00} ) the next month. I went to a Citibank branch and spoke to a rep. They had me close my account and reopen another account. The rep told me that they could clearly see that someone had accidentally used my acct number to pay their Citibank credit card because their acct number was very close to mine. They credited me the second transaction and everything was fine. A month or two later, Citibank deducted {$750.00} from my acct again with no notification. When I went to the branch to ask what happened, they claimed I did not submit a notarized affadavit that i was no complicit in this fraud. I worked with the Citibank rep in the branch who called their anti fraud unit and said that I needed to mail an affadavit to them. I mailed the affadavit and received an email confirmation online from Citibank that they had received it but i should wait 90 days for an answer. After 90 days, I asked Citibank what had happened with my investigation and they then claimed that they never received it even though i have email confirmation that they did. I went to the Citibank branch again on 2 occasions in XXXX and sat with their reps who called their anti fraud unit again. They said they had closed the old investigation and had to reopen a new one. The Citibank rep kept saying during my 2 visits that they would call me back the next day about how the investigation went but they never called. I sent XXXX emails, one in XXXX XXXX and one in XXXX XXXX, to the XXXX Citibank reps asking for a status of the investigation and they have ignored my email response. It is clear that Citibank either has no intention of refunding me money that was accidentally taken out of my acct simply because someone online had paid their credit card bill with the wrong acct number, which was my number, or they have terrible inefficiencies between their branch units and anti fraud units. This seemed evident as I sat in the Citibank branch on 3 different occasions listening them talk to their fraud unit on the phone and plead my case but they always insisted that I had to send an affadavit form in the mail, even though i was physically in their office with all forms of identification to confirm who I was and that I did not commit any fraud. The branch reps even admit that it should be an easy case to solve as they could clearly see someone entered the wrong acct number. I even spoke to their anti fraud rep on the phone and did a verbal affadavit that was recorded on the phone and that seems to not be enough either. I would appreciate CFPB 's help to stop Citibank from ignoring my issue and credit me the money that they had first refunded me and then took back.
Paypal gave me a line of credit, as a person under the age of XXXX, without a cosigner or proof of income when I am aware that there is a credit act that protects people such as myself. I did not intend to apply for credit, and have never used paypal before so I used the payments as instructed. Not only was I deceivingly signed up for credit, I was not protected as a minor by paypal in those terms. Since I did not know it was credit, there is now unpaid interest and late fees on my account.
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I do not have an account with any of these companies. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
To whom it may concern. 
We just learned that Equifax was hacked and over XXXX XXXX consumers personal information was breached. After reading up on the issue and deciding to put a credit freeze on our SS XXXX we went to the company 's website to realize that they wont allow people to put a freeze up online. Instead you have to write a letter and request a freeze by mail which can take up to XXXX days. That is outrageous and almost unbelievable how our government allows this company 's to garner all our information in the first place and allow lobbying to get away without punishment. This company should be prohibited to do any business in our country and be shut down. Furthermore, Equifax should be held responsible and pay for all damages incurred.I hope that someone in our government has the guts to address this problem and do what is right by the XXXX XXXX. 

Regards XXXX XXXX
This is a dispute with Stenger & Stenger XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. They purchased a XXXX XXXX  credit card debt from XXXX XXXX XXXX XXXX XXXX. They were awarded a Default Judgement in XXXX County MN, on or around XX/XX/XXXX, in the amount of {$10.00}, After years of requests to provide me some validation of debt, and/or account history, Continuously was told they didn't need to provide me that -- the debt was to old and they had earned a default judgement and they couldn't/did n't need to. During the month of XX/XX/XXXX ( without warning and unknown to me until XX/XX/XXXX ) I received fifteen ( 15 ) months of alleged statements. The charges accrued according to those statements was pathetic. There were 7_8 separate ACH checks in the amounts from {$100.00} to {$1400.00}. Each/most incurred a fee of {$14.00}, a {$39.00} over limit, and a $ XXXX- {$39.00} return fee, Interest charge of 29.99 %, in addition to the $ XXXX0- {$35.00} return fee at my bank. Inever authorized any of those ACH attempts ( had I authorized them I would have had the money to clear ). Since the futile attempts to resolve after default judgement in XXXX  County Court ( XXXX ) after being unable to resolve, Stenger & Stenger garnished my wages at which time I set up a {$75.00} biweekly/semi-monthly deduction out of my bank account. On or about XX/XX/XXXX the {$10000.00} was paid in full, and Stenger & Stenger acknowledged by filing a satisfaction of judgement in XXXX  County. On or aboutXX/XX/XXXXI spoke at length with XXXX at Stenger & Stenger about these issues. I have contacted Stenger & Stenger three ( 3 ) times since and all I'm told is they are closing the account. I expected ( from conversation with XXXX  ) that they were at least going to provide me information I need to validate account, which hasn't/is n't happening
Hello, Several months ago I needed a payday loan.. I understood the terms were not favorable due to the nature of the loan and the risks involved for the company.. However, this is getting ridiculous. I took a {$1500.00} installment loan over 4 months ago and they have been taking out {$370.00} per check since XX/XX/XXXX. Every 2 weeks. That is over {$4500.00} paid for a {$1500.00} loan? On their website, I can not see the history anywhere and they are not responding to my requests to stop withdraws. I can not afford this any longer, it is putting my life and finances in serious jeopardy. I 'd like to stop all the collecting, I 've paid off my loan in full plus so much interest and fees. Their website gives me no information? PLEASE HELP.
On XX/XX/2018, a company by the name of Premier Student Loan Center promising to enroll me in a forgiveness loan program. They are trying to scam me and they have changed my FSA password. They have all of my personal information including my name, card information, address, social security number, and financial aid information. I spoke with them and they gave me false information. I did more research after realizing what had taken place and wanted to report the issue.
BMO Harris Bank refused to disclosure of 1st position balance to a XXXX XXXX, subordinate lien holder for the property at XXXX XXXX XXXX XXXX XXXX XXXX for the borrower XXXX XXXX.
I recently discovered multiple hard inquiries on my Equifax 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 Equifax that was delivered on XX/XX/XXXX ( with a receipt confirmation ) and faxed a copy to Equifax 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 Equifax refused to remove inquires, however she claimed that she marked them " unauthorized ''? - However, no confirmation of her statement/claim that she actually did was provided to me. 

After 30 days from Equifax receiving my initial certified letter, I sent a second certified letter 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 Equifax 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 Equifax ( 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 Equifax report as of XX/XX/XXXX- showing that Equifax 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. Equifax continues to just ignore my legal rights as a consumer & continues to report inaccuracies on my credit report hindering my credit worthiness.
I disputed a debt placed on my credit report by XXXX XXXX XXXX. Experian allowed XXXX to keep this on my record though XXXX XXXX XXXX can supply no documentation from its company or the original company, XXXX XXXX XXXX, of the debt owed or the billing practices of XXXX XXXX XXXX and its billing management corporation XXXX. 

Also, XXXX reports the original date for the account as XX/XX/XXXX, when it is actually XX/XX/XXXX. 

I was told by XXXX that this debt would remain on my credit report forever because they were going to keep it in a collection state.
On XX/XX/2018 funds were transferred from my checking account by XXXX Transfer ( Conf # XXXX ) for 'XXXX  , XXXX . ' I called Bank of America & was told that I would not be responsible for this theft. Later I was told by BOA 's Fraud/Claims that an investigation would be done & claim # XXXX was assigned. OnXX/XX/XXXX I was told that my claim was denied as this transaction was consistent with previous transactions. A XXXX XXXX Sheriff 's report was filed ( # XXXX ). A claim " denial letter '' was received on XX/XX/XXXX stating that this transaction " was authorized by you '' ( me ). In another phone conversation I was told I had no other recourse. On XX/XX/XXXX I wrote to XXXX XXXX XXXX, BOA 's CEO. 
OnXX/XX/XXXX I received a call from XXXX XXXX ( Executive Fraud? ) who was to look into my claim, On XX/XX/XXXXI received a BOA fraud statement that I had requested several weeks earlier, completed it & sent it to BOA. On XX/XX/XXXX, XXXX XXXX told me that my claim was again denied. He said that reconsideration would only be given if my computer was found to have malware or a virus. A scan was done & no such virus or malware was found.
CITI 's Retirement Plan Services in XXXX XXXX, Texas is holding my father 's IRA hostage in what appears to be an overt act of theft. He XXXX  about 5 months ago. In speaking with agents of the Texas state banking division I have been told that you have oversight over IRA accounts for huge corporations like CITI. 
It is not a large account - a few thousand dollars - and they refuse to divulge exact details about it even to my sister as estate Administrator. 
When he set up the IRA, he stated that the beneficiary of his account would be a trust established in his name. Unfortunately, as sometimes happens in these cases, he never got around to establishing such a trust. 
The front desk employees who I am allowed to talk to tell me that a more authoritative person will call me but they nobody does so. I have been sent a request for verification that I am a trustee of his ( imaginary ) trust. The front desk employees tell me that if I do n't have the papers they need, they ca n't talk to me. 
The cost of getting a lawyer involved for such a small account is obviously prohibitive, and I 'm sure they realize that.
RE : Experian RE : XXXX XXXX I come to you again regarding Experian claiming to investigate debt under FCRA, and not providing proof of how they conducted reinvestigation of debt, nor furnished proof and validity of debt that is not mine.
Continued annoyance phone calls twice a day from XXXX, XXXX XXXX from Midland Credit Management. I am not the person they are looking for, I have a different address, different birth date, different SS and they still call everyday, early morning and late afternoon.
On XX/XX/XXXX at XXXX XXXX a man named XXXX from Prince Parker and Associates left a message for my office manager claiming to call on behalf of XXXX XXXX XXXX for a past due balance. The voicemail was forwarded to me as I am the XXXX XXXX and handle all of our accounts. I called the gentleman back and he demanded that I give him my phone number. I said he should already have my phone number, he's the one that called our office. He began to get hostile, saying that he talks to a lot of people and I was wasting his time. I told him we have no outstanding balances and would not give personal information, and then he hung up on me. He called back 5 minutes later and once again demanded my phone number. I said I would contact XXXX XXXX XXXX   directly as I do not feel comfortable providing any information to him, and if he was truly hired by XXXX XXXX XXXX to collect a bill he should already have the appropriate information. He yelled " You know what? Have a nice life '' and hung up. I immediately called XXXX XXXX XXXX and was told that our account is in good standing and they have never sent our account to collections. This company seems like a scam and they are extremely aggressive in their tactics.
Calls several times. Called in XX/XX/XXXX but have a voicemail saved from XX/XX/XXXX at XXXX. Uses the name Investigator XXXX XXXX and states he is an investigator and If a debt is not paid he will issue an order to have me arrested at my place of business unless I pay immediately over the phone. He has called and stated he was an officer and gave a false badge number. I called the police and asked if they do that and they stated no, they would not arrest someone for debt at work but, also, would not give badge number and threaten over the phone. I different number is used each time. The last time it was XXXX but stated to call back XXXX. I have spoken to this person and they scare you to pay immediately or they will have officers come to your place of business and arrest you onsite.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

YOU ARE placing a fraud ALTER ON MY CREDIT REPORT I DID NOT REQUEST IT!!! 

THIS IS A SCAM NOT TO DO YOUR JOB, WHEN YOU PLACE AN ALERT TO DO N'T HAVE TO INVESTIGATE!!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!!
US Bank suggested that I do a loan modification because I was always a few days late on my mortgage but never more than 30 days late. They said that my mortgage would be lowered as a result of the modification. The modification did not lower my mortgage as US bank stated it would. They told me I needed to make payments through XXXX XXXX which I did. As a result of me making my payments through XXXX XXXX and them not applying them immediately they reported several late payments to the credit bureaus. I do n't think this is fair because I would not have been interested in the modification if they had n't made a false promise that it would lower my mortgage when all it did was hurt my credit.
I left because their was rodents and other insects in both places, that I made numerous complaints about. I do not owe any debts to any of these companies.
This company is attempting to collect funds from me over a debt that is not mine. I have never signed a contract with this company and have never heard of them. They are reporting to the credit bureaus a collection in the amount of {$3600.00} that was opened XX/XX/2017. This is NOT my debt and this collection is causing a huge impact on my credit score/file.
I am a XXXX XXXX Banking XXXX, with XXXX active credit cards from them. I have never been late with any of my cards ( chase or non-chase ), and have paid all of my cards in full every month. Also, the amount of money I have in my Chase bank account is a lot more than the credit limit they have extended to me so far. On XXXX XXXX, XXXX, after looking into my online banking account, I noticed that all my credit cards have XXXX available credit limit and are noted as closed. While really panicking, I called chase card services and all they are telling me is that the cards were closed due to bank 's policy with no further explanations or notes on the account. They are not telling me any details, other than that a letter will be sent out to me within XXXX to XXXX business days. The action they have taken is going to destroy my credit history since my XXXX cards are the oldest credit cards I have ever had, and most of the credit cards I have are with XXXX, and I put almost all my spends on them.
My issue is with Green Tree when I was having problems paying my mortgage. I have had issues with them repeatedly threatening me regarding my mortgage payments. Call me at all hours of the day, every hour. They took money from my bank account, when not authorized to do so ( I filed fraud charges with the bank and it was corrected ). They have forced me to pay the XXXX processing fee-in order to keep my house, many times over. They have refused to listen to me, or work with me in any way, called me a liar and threatened to evict me. 
I filed bankruptcy when my loan was still with XXXX XXXX XXXX, and I reaffirmed my mortgage at that time, they refuse to believe that, and have told threatened to evict me if I am 30 days late. They tell me I have to go back to my lawyer or the courts and get new paperwork for them ( it has been 4 yrs since filing ). They refuse to report my payments to the credit bureau, so my credit report shows this account is closed under chapter XXXX-when I am and have been making payments all along.
XXXX XXXX XXXX has been paid in full with settlement offer they are still reporting that I owe {$590.00} when my balance is now {$0.00} they also said that they will remove it from my report. I have proof that it was paid off on XX/XX/2018.
On XXXX XXXX, 2015, I deposited a cashiers check ( {$33000.00} ) with Green Tree 's bank ( XXXX ) to pay off my Green Tree mortgage. As instructed by Green Tree, the cashiers check had my name and mortgage account number in the memo section so they would know which mortgage account to credit. I confirmed that the check was deposited to the Green tree bank account ( # XXXX ) I checked a few weeks later since I had n't gotten any loan pay off papers. Green Tree said they had gotten nothing. I obtained a copy ( front and back ) of the cashed Cashiers check and sent it to them. They looked at this and admit it looks like they got the money, however they ca n't find where it went. They are now " researching ''.. It has been more than a week of researching and almost three weeks that they have had my money and they do n't know where it is nor will they credit my account.. 
Meanwhile, they show a payment is due for XXXX XXXX. I asked that they change this since in fact, I owed them nothing. Of course they could n't do that. Instead they said " Oh we wo n't report this as late for 30 days ''. Like they can be trusted. 
At this point, I have no faith they will " find '' my money and I will likely have to hire an attorney to get my $ {$.00}
Credit Collection Service had placed this negative items on my credit reports without notifying me. Credit Collection Serivce violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.