WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/ 2019, I received a tax document mailed to my home, addressed to my mothers name at my home address. My mother and I have a joint checking account together, but she has never lived at my address and she always gets statements mailed to her own address. I logged into my Chase.com account to see if Chase had somehow mixed up our addresses. I went to the joint account that she and I share, and I clicked Statements. When the PDF statement opened, it contained my mothers name, her home address, and full details on ALL SIX of her Chase accounts NOT just the one that she and I share. 
I called Chase and reported both of these problems : ( 1 ) the mail sent to the wrong address ; and ( 2 ) the privacy violation on the website. The customer service agents did not seem to think either of these issues was concerning. They told us we could fix the data disclosure issue ourselves by having my mom de-link her accounts so that they did not all appear on the combined statement. So essentially Chase is telling us that they will disclose financial data ( via a combined PDF statement ) to someone who is NOT an account holder ( me ), unless we specifically take steps to opt out. They told me there is a disclosure given to someone who chooses a combined statement. The wording of the disclosure does not make it clear that data for ALL accounts will be shared with an individual who is a joint account holder on only ONE account. I filed a complaint, and called back several times to check the status, for a total of 3 hours and 19 minutes of my time, with no resolution from Chase, so I am now turning to the CFPB.

This is careless disregard for personal financial data. I am extremely disappointed in Chase for failing to protect my mother 's private financial information and for failing to treat this matter with any urgency.
In XXXX I disputed an XXXX XXXX XXXX on my credit report. The credit item was then deleted from my report after communication with the creditor and with Experian. Several months later the account was re-inserted on my credit report without notification. It is my understanding that the bureaus have a responsibility to notify consumer if deleted information is re-inserted on my report. I never received such notification. 

In addition to Experian 's negligence, I the creditor never reported the item as disputed even I had previously disputed the account with them. I have an idea what happened that may have caused the mixup. XXXX XXXX XXXX was no longer reporting on my credit until my husband began to dispute the item on his report. This is when XXXX XXXX and Experian decided the account should be added back to my report. And they added it illegally. 

The partial account number associated with this account is XXXX.
Filing this complaint towards BSI Financial Services, for double billing of late fee. The borrower, been making monthly payments dating back to XX/XX/XXXX. All monthly payments are been payment by bank cashier 's check. Payments have the standard monthly amount and monthly late fee amount, all included in the payment. For Example : Regular monthly amount of {$2100.00} and monthly late fee amount of {$66.00} for a total payment of {$2200.00}. The payee ( Borrower ), been making payments of {$2200.00} each monthly. The payment covers the regular monthly and late fee. The problem with BSI Financial Services, not crediting the late fees to the Borrower 's account. For the past XXXX seven months. BSI Financial Services Customer/Collection Representative been calling the borrower, and asking when will the payment be made. The Borrower, has questioned the representative from BSI Financial Services, why do XXXX XXXX being billed for {$370.00} in late fees, when the late fees are payment each with the regular monthly payment. The BSI Financial Services Representative " Told '', the borrower 's, the late fees " Will Not '' be credited to the account until the is current, which is the company policy. The Borrower, informed and requested, per telephone conversations with the BSI Financial Services Representatives each month for the past 6 or 7 months ; ( 1 ). BSI Financial Services need to credit the late fees to the account. ( 2 ). The borrower, requested a copy of the BSI FInancial Services Policy, which states, why the late fee are not the credited. ( 3 ). The borrower, informed BSI FInancial Services Representatives, that there action is wrong and if this continues and the late fee are not credited to account, a formal/official complaint with be filed. ( 4 ). As of this date XX/XX/XXXX, the borrower did not received a copy of late fee policy as requested for the past few months. On XX/XX/XXXX, The borrower got Reminder Payment Notice, which shows a new late fee amount of {$440.00}. This action shows that BSI FInancial Services continue to charge the borrower monthly late fees, and still failed to give credit for late fees, which have been already paid.
XX/XX/XXXX I received a confirmation of address change on an account opened by my wife and myself for our minor grandson. We did not request on authorize any changes for this account. We went to the local branch and was told that it was done at another branch but the bank would not give us any information concerning who requested the account information change or who approved it. On XX/XX/XXXX I filed a complaint with Suntrust bank and to date have not received any information on this matter. We have been with Suntrust bank since XX/XX/XXXX.
I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other XXXX would not do anything. Also when I dispute with Transunion it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, XXXX balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.
XXXX XXXX/XXXX/XXXX I contacted Weinburg & Reid Co. LPA in an attempt to set up payment arrangements. The representative said she was unable to work a paymnt plan out with me that I could afford.said if they garnished my wages they would get more. I ask to speak to a supervisor. I told them several times i could only commit to {$25.00} a month without losing my house. The supervisor was extremely rude and kept over talking me. I actually had to tell her she did n't have to be so rude. At that point I agreed to {$75.00} a month that i am going to struggle to pay starting XXXX/XXXX/XXXX. She stated she would have the paperwork sent to me and I needed to fill it out and send it back so they could file it with the courts. As of XXXX I had not received the paperwork. I call them back and the representative apologized stated she sees where I spoke to the supervisor, but the notes are very viege. Stated no paperwork was ever mailed out and the agreement was not noted. This representative was very polite and said she would get that out to me and I should have it by next week. If I would not have called my wages would have been garnished due to the supervisor not submitting the payment arrangement she agreed to with me.
I have put in a dispute with XXXX, but nothing became of it. I am looking for some one to help us with American Servicing Company XXXX mortgage. Our payments were close to {$2300.00} a month, my husband lost is job with XXXX. Went through a Lawyer firm we paid {$2900.00} and after a month and a half said they could not do any thing for us, We lost that money. We are dealing with XXXX XXXX who is doing their best getting our interest rate down and lowing our payments to what we can afford. We have not paid a mortgage payment since XX/XX/XXXX. Husband is XXXX XXXX with our son, giving him XXXX % of the pay checks. He dose not work he dose not get paid, just like this XXXX Holiday. I 'm working making XXXX biweekly working for XXXX My credit went from over XXXX + to XXXX, even with Preferred Law working to help us paying them {$650.00} a month for 6 months. Please look into this for us we really need someone to get down to the bottom off this and find someone who is willing to work with us until we can get back on our feet and be able to pay a mortgage payment. We are really struggling.
My loan was transferred from XXXX to Cooper in XX/XX/2017. I have always been paying XXXX  well in advance. So when I made a payment on XX/XX/XXXXto XXXX, they applied my payment for XX/XX/XXXX month. I was away in XXXX during that time, and my payment was going directly from my Bank to XXXX. When XXXX transferred the loan to Cooper in XX/XX/XXXX. My XX/XX/XXXX and XX/XX/XXXX payments were sent to XXXX and, XXXX in turn transferred it to Cooper. XXXX  has confirmed it and has sent the evidence which I have forwarded to Cooper. But Cooper says they received only one payment from XXXX, and Cooper has been charging me with fees and also took additional payment from me. I have been in contact with a bunch of Cooper representatives and it supervisors, since XX/XX/XXXXon both phone and email exchanges, but of no use. I literally spend more thnn an hour talking to these guys, and they keep asking telling me it is being researched. Iam very frustrated and fed up and Iam finding it difficult to sleep because of this nagging issue going on for the last three months. I would highly appreciate if you could help me and resolve this issue quickly. I have all the documents and proof needed from XXXX regarding the payments.

Thanks, XXXX
There is a new employment added to my credit report that I have never worked for and I had like XXXX cards open in my name sent to me that I did not apply for using that new employment. I have paid off most of those credit cards. But I want new employment taking off my credit and all the inquires from this year. Someone has used my information before that 's why when I file for taxes I have input a code. But all of these new inquires and credit cards have really lowered my credit score. I 'm currently unemployed.
I called XXXX XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, they would n't help me.
From the month of XXXX I have been paying XXXX XXXX dollars every two weeks and expecting to end last payment XX/XX/XXXX talking interest on XXXX loan said 13 weeks loan payback with interest. Is this legal a tribal place runs it
I was contacted in writing by QUALITY ASSET RECOVERY in XX/XX/XXXX that a {$710.00} ambulance from XX/XX/XXXX bill was sent to them for collection. I contacted the Quality Asset Recovery promptly and stated this had to of been an oversight and to let me resubmit to insurance for payment. About 30 days passed and I was contacted on XX/XX/XXXX. I was told that the insurance company paid all but {$140.00} and could I make payment which I arranged to have paid on a credit card on XX/XX/XXXX. On XX/XX/XXXX I was checking my credit report and saw that QAR reported he {$710.00} as uncollected debt with a status of " in collection '' on XX/XX/XXXX. 

This is ridiculous I followed the ruled paid the debt and they didn't even give me and opportunity to make good on it. Totally unfair. I did contact Quality and they stated it will be removed from my credit report in 45 days. I am skeptical. Not only id this lower my credit score but I am was in the process of shopping for a mortgage and this has hurt
I 've had an account open with Conns Credit Co since XX/XX/XXXX that is showing as delinquent since XX/XX/XXXX as delinquent. However, there has never been a missed payment on the account. 

The company acknowledges an accounting error, and after months and months of contacting them to rectify it, nothing has occurred. They have exhaustive notes in my file of the situation and repeated calls as well. 

I am still paying on the account and are not reflecting those payments. 

The account is inaccurately reporting to show a balance of {$2800.00} and are offering a settlement offer of {$1200.00} as if the account is charged off.
This has been a solid 3 to 4 years advance america is committing fraud agenst my good name and time after time they beat around the bush saying its factual. they are commiting slander and more Insurance fraud. they clamed that i took out a loan witch i did not and i want to see the paper that bares my sigature of this. it was calmed to be taken out at the XXXX XXXX florida store on XXXX next to the XXXX. they are known to forge and report false accounts to the state government and XXXX people up. they don't call me they do nothing just beat around the bush 3 to 4 years i have been dealing with this and no help. they lie their teeth off and will sue them for defamation.
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. DISCOVER FIN SVCS LLC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1500.00} REV {$2300.00} - {$2300.00} XXXX XXXX XXXX XXXX CHARGE OFF XP/TU/EF Late Dates : XX/XX/XXXX-150+, XX/XX/XXXX-150+, XX/XX/XXXX-120, XX/XX/XXXX-90, XX/XX/XXXX-60, XX/XX/XXXX-30 ACCOUNT INFORMATION DISPUTED BY CONSUMER The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
On XX/XX/2016 I received the results of my investigation. XXXX is updating invofation that does not belong to me consistently on my credit report. I notified them that I wam the victim of ID theft, and they have not provided me the results of how they verified my information. The other bureaus, XXXX and XXXX are reporting my information correctly and XXXX is choosing not to.
My issue is about the XXXX point reduction in my credit score in less than 60 days with no logical or tangible explanation about how my score can drop by XXXX points when there have been no significant changes to my record. There is no suitable option in the CFPB drop down listing of options for making this type of complaint and the matter of credit score which is so central to the access to jobs, insurance, housing, etc. by a consumer 's is not very transparent. On XXXX XXXX, 2015, my credit score with Equifax was XXXX and as of today, it is XXXX and XXXX points lower. There have been no new accounts added to my portfolio of accounts and in fact, I have paid off a couple of accounts ; XXXX delinquencies have dropped off and any other delinquency ( except for a new one with XXXX XXXX which is being disputed ) was only account in XXXX. Equifax needs to explain specifically what has changed in 60 days to result in a XXXX point drop and I have had no additional inquiries. What I have observed over the years, is that during the period when I am paying {$19.00} to any of the credit reporting agencies, my score goes up and soon after I discontinue the monitoring service, there is a reduction in my score. This almost gives the perception that consumers are somewhat arbitrarily being penalized when they discontinue the service especially since I have never been able to get an explanation about the reduction in my score. The credit scoring process is like a blackhole and the high level explanation about the percentage composition of deriving the score is simply not good enough. In my case, given the very short duration, Equifax should be able to provide me with the specific changes that amounted to a XXXX point reduction in my score since XXXX XXXX.
I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Pentagon F C U
I took out student loans with XXXX. I paid and consolidated the rest of my loans. I contacted XXXX and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.
The specific nature of the problem refers to the terrible customer service of XXXX XXXX XXXX XXXX. Over two months ago I 've sent a payment via postal mail and I still have n't received a payment receipt. Every time I try to call I 'm transferred to someone that never answers the phone and whenever I do leave voice messages no one ever returns my call. This is a horrible way to treat customers who are trying to rectify their accounts. Unfortunately this has happened before ever since they 've had my account over the past two years. I need a payment receipt for payment made in XX/XX/XXXX and every payment I 've made since XX/XX/XXXX.
This debt collector attempted to collect on a debt that was paid and insisted that their system was up to date and the I still owed on it.. I have a letter from the company stating it has been paid. They refuse to verify with the original owner of the debt and want me to pay the remain balances.
I owe a debt to XXXX XXXX, which I do not dispute. The amount I owe is {$980.00}. XXXX XXXX, XXXX is attempting to collect {$1000.00}. I have asked for proof that I signed something with XXXX that allows them to collect a collection fee and XXXX tell me that the fee must be being charged by Convergent and tell me to contact Convergent. I asked for proof from Convergent that I owe more than {$980.00}, or something that shows that they are allowed to collect a fee, and they have told me that they don't collect a collection fee, the fee is being charged by XXXX. They sent 'verification ' and they include a copy of the bill by XXXX XXXX which clearly shows an amount due of {$980.00}.
I had a good credit standing with XXXX for over 2 years and paid in full.. XXXX is only able to report my good standing paid in full with XXXX, as XXXX and Transunion are no willing to report closed accounts that had Ch XXXX prior to getting the loan. XXXX XXXX issued a letter and an apology fearing if they report it to TransUnion and XXXX, the XXXX agencies will report me as open account which will cause me more harm. I contacted Transunion and spoke to a supervisor name XXXX and I wrote to XXXX & both agencies are not willing to help me.
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

Ally Financial - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with Ally Financial is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX-XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
XXXX/XXXX/15 I wanted to check my credit reports with all XXXX agencies. Trans Union was contacted regarding the differences in the number reported by them that varied as much as XXXX points from XXXX sources. 
I contacted them. They said they do not get or give numbers to other companies but rather send the Credit Report & that company does its own analysis. This is NOT what they say in their advertising or even on their reports. If they are not supplying the number that they - in this case Trans Union arrived at, then their advertising and representation is misleading and fraudulent. I not only asked that the XXXX fee be refunded ( only 15 days in ) but that they cancel any further services. They cancelled but would not refund. I should not pay for misrepresentation. There should be a disclaimer stating there is a different website for the required yearly credit report and that they do not provide numbers from other agencies, only data read by them. As the CFPB please look into this for me