WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, 2016 I received an email from Citizens Bank, XXXX, CT instructing me to activate my credit card. I immediately called the bank and wrote them to complain about the email since I was not a customer of the bank. I spoke with XXXX XXXX 
XXXX at Citizens Bank, XXXX XXXX XXXX XXXX, XXXX XXXX. I wrote her on XXXX XXXX asking who my socalled card was mailed to. 

I got no response to my letter. On XXXX XXXX, 2016 I received another email Instructing me to activate my credit card. 
I request that your agency investigate this bank to insure that this in not another scam similar to XXXX XXXX and to have this bank remove me from its marketing list. 
XXXX XXXX XXXX
On XX/XX/2017 I checked my credit on XXXX and had a total of XXXX collections removed from my report. I checked my account again on XX/XX/2017 and all collections were placed back onto my account without sending me a reinsertion letter as required by FCRA section 611. I have called TransUnion at least once a week since then to try to get this issue resolved and have recieved no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been beligerent, some have even told me they know what happened but it 's basically too bad and that I should file a complaint because they will not fix the issue.
I recently received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XX/XX/XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX  as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX did not notify the courts either. I pulled all of my court records from the courts in XX/XX/XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX   and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX XXXX XXXX Federal Identification number to report a XXXX to IRS in XX/XX/XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home XXXX years, until you -XXXX XXXX XXXX  XXXX XXXX XXXX it from me. 

May XXXX have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.
This complaint is about fraudulent charges to my XXXX card, which I believe were placed in a scheme involving Citi personnel. OnXX/XX/XXXX as I paid my card online, an ad for " oil capsules for hair '' for {$9.00} popped up. On impulse, I ordered them. They arrived but I did n't like them. However, the XXXX statement had an UNAUTHORIZED {$89.00} charge. I called Citi to report the fraud. The Citi agent '' XXXX '' stated it was for " XXXX 's XXXX XXXX '' ( in AZ ; I am in CT! ). She insisted that my order for oil capsules CONSTITUTED AN AGREEMENT to all charges made by " XXXX 's '' or " CaringWorks '' the capsule supplier. I objected and " XXXX '' agreed to reverse the charge ( she did XXXX, and replace the card. However when I used card # 2 the {$89.00} charge reappeared. I called " XXXX '' again and told her this was fraud. THERE WAS NO CONTRACT to allow these charges. After 3hours of my protesting " XXXX '' said she must consult " security '' ; after I waited, " XXXX '' came on but said I had agreed to the charges. OnXX/XX/XXXX I paid {$410.00} on the card, for American flightsXX/XX/XXXX, which were not listed, ( only {$600.00} non-itemized fraud ( Documents attached ) I need to have this scam cancelled.
I have contacted Chase to validate a debt that is being reported on my Credit Trade Line. XXXX XXXX XXXXXX/XX/XXXX # XXXX. This debt is over 7 years old, since XX/XX/XXXX, but continues to be reported and collections continue. In accordance with the provisions of the Federal and State Fair Debt Collection Practices Acts and the Federal Fair Credit Reporting Act, please consider this letter a formal dispute as to the inaccuracy of the item posted. 

FCRA 605 ( C ) running of reporting period states : ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ) charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the day of commencement of the delinquency which immediately proceeded the collection activity, charged to profit and loss or similar action. This debt originated XX/XX/XXXX, but continued collections XX/XX/XXXX and beyond. ACCORDING TO THE CONSENT ORDERFILE NO. XXXX Chase JP Morgan ; Chase BankCard Services continues to collect on this debt in violations of Sections 1036 ( a ) ( 1 ) and ( a ) ( 3 ) of the Consumer Financial Protection Act
I had opened up an installment loan with a company for a microwave and some furniture however i returned the furniture and was told that i was issued a credit to my account so my balance was lowered to about 1,000.  But now i not only have the original account on my credit report but also another one from the same company when i only had 1 account. I was never issued a credit and now my debt is twice as much even. No one that i talk to you can or will help me with the company and i have tried disputing it with the credit bureaus.
I started with will XXXX " XXXX '' XXXX on XXXX/XXXX/2016 originally of XXXX XXXX XXXX on or about XXXX XXXX transferred to Waterstone Mortgage. During that time XXXX pulled my credit twice once while with XXXX and again when she went to Waterstone. During this process I asked them why did n't they do my rescore before and I was told because if they would have done that, they would have had to leave me with XXXX as their client and they did n't want to do me like that. So I continued to march forward with searching for a home and on XXXX XXXX I found my dream home for my son and I. Being a XXXX veteran and a single XXXX mother I was finally able to realize the XXXX dream so I thought. On XXXX XXXX I submitted my earnest money check, along with my option fee and my inspection fee. Per XXXX, we could close on XXXX the XXXX. On XXXX XXXX XXXX runs my credit again then on XXXX XXXX I receive an email from XXXX XXXX. I was a bit confused I reached out to XXXX but she was unavailable as usual and XXXX advise because my score dropped they had to send me to XXXX. I was furious to say the least. Yes it dropped you 've only pulled my report 3 times. So I still marched forward because XXXX reassured me there would be no problems and I could get financed with XXXX. Well they pull my report on XXXX XXXX for a fourth time. During this time XXXX has advised myself, my Agent and the Sellers Agent we are still good to go and we will close on XX/XX/XXXX. The time comes and goes and no XXXX. She 's avoiding phone calls and barely returning emails. So we push the date back to the XXXX. XXXX tell the seller Agent on XXXX XXXX we have a clear to close and her clients can go ahead and sign their documents Wednesday XX/XX/XXXX and I can complete mine on Thursday XX/XX/XXXX with a mobile notary. I was advised I could go ahead and do a final walk through on the XXXX. Upon my return from doing my final walk through I receive an email from XXXX advising I do not have the clear to close and we need to push it back another week. At this point we are 41 days into this process and I need answers so on XX/XX/XXXX I started making phone calls only to find out that XXXX has been untruthful through this entire process. On XX/XX/XXXX after speaking with XXXX XXXX of Waterstone Mortgage who told my Agent that we would not be able to close this week on XX/XX/XXXX or XX/XX/XXXX, but we could close the week of XXXX XXXX, 2016. I received a phone call from XXXX XXXX advising that XXXX chosen to deny me and she was unable to disclose why and they would send me a letter in the mail I 've yet to receive. After all the deceit, gross negligence, incompetence and failure to perform in a timely manner I 'm out of thousands of dollars. The seller 's kept my earnest monies due to a clause in the contract. I 'm confused as to why I 'm losing out on so much and this was out of my control. Had I and my agent known the truth, we would have cancelled this process within the 24 day time period allotted. But because XXXX continued to reassure all parties involved everything was going smoothly and I had a clear to close on 2 different occasions we kept marching forward.
For the last XXXX yrs. XXXX mortgage company has been servicing my loan collecting payments and has always provided a monthly periodic statement. In XXXX I received a notice from XXXX dated XXXX stating the servicing of your mortgage loan will transfer from XXXX XXXX Bank, XXXX. ( XXXX ) to Carrington Mortgage Services, LLC effective XXXX. Your new servicer will:1 collect and process your payments 2 : Send account statements and Annual tax forms 3 : Notify you of account-related issues and updates. This transfer does n't affect any of the terms of your loan, other than the terms directly related to the servicing of your loan. So on XXXX Carrington started collecting my payments which I send through my banks bill pay processing center. Since then XXXX - XXXX XXXX payments later I have not received a monthly periodic statement of any kind showing Carrington received my payment or how my payment was applied balance Etc. According to ( XX/XX/XXXX TILA servicing Final Rule ). Creditors, assignees, and servicers must provide a periodic statement for each billing cycle containing, among other things, information on payments currently due and previously made, fees imposed, transaction activity, application of past payments, contact information for the servicer and housing counselors, and, where applicable, information regarding delinquencies. These statements must meet the timing, form, and content requirements required provided in the rule. When I called contacted Carrington about my monthly periodic statement inin XXXX they told me since my loan was recently transferred over I should start receiving them shortly. So on XXXX XXXX still have not received monthly periodic statement I called Carrington and spoke with XXXX REP-Supervisor XXXX and asked about my monthly periodic statements. She told me I need to send a request in writing to there research dept. for my back statements and a request in writing to another department to receive monthly periodic statements. I know under The TILA servicing Rules they are required to supply me with this information. But will not.
I have my student loan repayment through Nelnet. I logged on last month to complete my recertification for IBR and was shocked to find out I owe {$6000.00} more on my student loans now than I did one year ago. At no point in my discussion with Nelnet advisors was I informed that the interest on my unsubsidized loans would continue to accrue when I was paying less than the full amount of interest monthly. I had to figure out on my own that this is what must have happened by doing research after I discovered I now owe much more on my loans than a year ago. I would NEVER had agreed to the IBR plan had I known that my loans would INCREASE in amount instead of decrease! I feel that I have been scammed by Nelnet. I took the advice of the Nelnet advisors in picking the best plan for me and now I owe an extra {$6000.00} on my student loans. I feel that Nelnet is at a minimum guilty of negligence for not informing me the interest on the unsubsidized loans would accrue and add to my loan amount. I have never missed a single payment on my student loans. I was trying to make the most financially sound and responsible decisions regarding my student loan debt and I feel that I have been dealt a huge blow to my financial future. I emailed Nelnet XX/X/17 about this issue and never received a response.
I have been dealing with student loans for over 10 years and it has not been easy. I feel they are extremely hard to deal with and it seems everytime I put myself into a forbearance or a income driven payment plan, it does n't seem to last and when I think that I 'm done with the loans for a minute to get myself situated, then all of a sudden I 'm getting phone calls and emails saying I 'm due a payment or more or phone calls as them saying basically I have n't done anything with the loan. Its very frustrating. I call them, let them know my situation they give me my options, set me up on a plan or whatever I qualify for and I get off the phone thinking I accomplished something and I have n't. I am really wanting all my student loans to be validated basically, because really I honestly feel these loans are outrageous and I just think its a way to get individuals money. I do n't have money to pay off or to pay on student loans when I 'm barely making ends meet within my household. If I ca n't pay rent NO I 'm not making any type of payment to pay down these loans. I do n't understand how difficult this is to comprehend.
I would like to know how to go about sueing Sallie Mae or some kind of referal I have tried to contact several attorneys and just get run around. Sallie mae forced me into a bancrupcy because they would not work with my payment which instantly ruind my credit for 7 years. I got no relif from bancrupcy after bancrupcy payment was same I had to let loans get charged off to get any help with lower payment after charged off I came to an agreement of {$250.00} payment for rest of my life they said. But after 3 months in they renigged on the agreement with no answer as to how they can take back an agreement they agreed to do for me. Now my credit is not only ruined for 7 years it ruined rest my life till pd of because will report negative till pd off so my credit is XXXX for rest of my life which has impacted my XXXX XXXX. A {$60000.00} original loan has accrued to over {$160000.00} that apparently I didnt even qualify for they knew they were getting me into this position.
I have noticed a series of unauthorized inquires on my Equifax report that I want thoroughly investigated.
Platinum Credit Card wit h Capital One,  last  XXXX  numbers are  XXXX . Card was closed by me  XXXX   XXXX ,    2016  - one year to the date of opening the account. I have paid monthly since  XXXX   XXXX , as I did since the first payment due.     Credit Card credit line was for {$2500.00}. In paying on the accou nt for one year, the account shows a balance of {$2200.00} even though I have paid either the balance due of {$72.00} or $  XXXX  monthly. When I make the payment ( s )  on the  XXXX  or  XXXX  of the month, wit hin 2 w eeks I receive an email that the current balance is HIGHER than what I paid.     The interest rate is a variable ra te. Capital One refuses to lower the interest rate. Their Customer Service Representatives put it back on  me the Customer to pay more and/or before amount due OR .... no other alternative.      UNFAIR Business  Practices that are set up for failure for the Customer.
I attempted to dispute several old and inaccurate items on my report through Experian on line. They refused every attempt and required that I call them to dispute the items. When I called, she asked me to go through each item and she would review it then. There is no way this is possible and I am assuming they would categorically deny any dispute. Not only is this a waste of time but it is extremely cumbersome and inconvenient, I will now have to submit them all in writing at this point as I have no other fair option to remove these items.
When I opened my XXXX store card I was unaware I was signed up for Synchrony Bankcard security services, the fees were not disclosed to me every month they charged my credit card an Average of $ XXXX plus the interested from my credit card in a year this company charged me over {$160.00} without my consent I recently called to cancel their service on XXXX XXXX, 2017, and I notice even after I cancelled this company still charged me and making the interest on my credit card go up even though I pay more than the minimum on my credit card!
To whom it may concern : Hello, I signed up for 'Coinbase ', an online digital currency ( cryptocurrency ) wallet storage website on XXXX XXXX, XXXX. Coinbase was a great site as I was initially successful in making numerous successful transactions and deposits from my XXXXXXXX XXXX account which converted US dollars into 'Bitcoin ' and 'Ethereum '. 

Some transactions include : XXXX XXXX, XXXX - Purchase for XXXX Bitcoins ( {$2500.00} ) XXXX XXXX XXXX - Purchase for XXXX Ethereum ( {$2400.00} ) XXXX XXXX, XXXX - Purchase for XXXX Ethereum ( {$4900.00} ) It was until about XXXX XXXX, XXXX when I attempted to log-in to my account so I could buy some more coins since my birthday was coming up. I was not able to access my account because Coinbase had indicated that my " Account was disabled ''. A couple hours later, on XXXX XXXX, XXXX at XXXX local PST time, I receive what appears to be an automated email saying they 've received my request -- this made me a little more at ease. No response until about a week later on my actual birth date, XXXX XXXX, when a representative from Coinbase, by the name of " XXXX XXXX '' replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. Please let me know if the matter develops further as we investigate. Regards,  XXXX. 

I do not receive any updates or notices so I try again on XXXX XXXX, XXXX. Then again on XXXX XXXX, XXXX, as I am growing extremely worried at this point. I have been professional and polite in my email requests as well, but still, no answer. I email Coinbase again on XXXX XXXX, XXXX and again, nothing. 

This matter is extremely time sensitive since the cryptocurrency market is 24/7 in real-time and I am not able to make trades let alone pull my money out from this horrendous website that is now a scam in my opinion because I do not know what else to do. Please help with this matter. I would be extremely grateful at what ever it is the CFPB can help with. Thank you for taking the time to read my request.
I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX ,  XXXX  and Experian credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   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
A so called magazine debt collector called me telling me that I order magazines and that I have 30 months left to pay {$19.00} a month. After doing some research on this company they are a fraudulent company taking money from people. Which i have not subscribed to any sort of magazine. Now this company XXXX XXXX XXXX XXXX is withdrawing funds from my account. When I spoke with them they would not tell me what magazines a I order then they told me to answer a few questions and then they told me I had to pay it. I dont what to do. So far they a have withdrawn from my checking account.
I am a victom of identity theft. There have been numerous erroneous marks against my credit report for some time now. I sent formal dispute letters to Equifax on XX/XX/XXXX. I attached a police report, FTC affidavit and my ID 's. I disputed this item as NOT MINE. Legally they have 45 days to investigate with the lender and provide me notorized proof that the instrument is mine. It has been over 60 days and no proof has been provided. I have followed up making phone calls and each time being hung up on or asked a myriad of personal " security '' questions and told I am not answering them correctly when I know that I am.I called back again and they made me answer 9 security questions unbelievable, finally I got through to someone who said they filed my dispute on XX/XX/XXXX and that I should call back to a certain number XX/XX/XXXX and that it would not be on my credit report if they found no proof it was mine. I called back, the number didnt work! I found a different Equifax number. got a supervisor on the line. Told her all of this, she said it was still on there and under investigation, it would be 30 more days and to call back. That would put me at a 90 day dispute period ... I filed an online identity theft FTC report about this acct on XX/XX/XXXX, also an online dispute again on XX/XX/XXXX.
I took a loan with Capital One Auto Finance in XX/XX/2017. I have made every payment on time. Capital One 's agreement was to charge {$230.00} per month. I signed up for this. Now after 11 months, Capital One is charging {$230.00} per month while NOT applying my payments to the amount due per month while taking interest payment. The loan has been paid ahead. Capital One has told me that I can not make payments more than 30 days in advance which MAKES ZERO SENSE. Their goal is to bilk the interest while penalizing me for paying ahead. They SHOULD NOT by law be able to take interest on the loan IF NOT APPLYING IT TO THE MONTHLY LOAN PAYMENT. They SHOULD NOT RAISE the monthly rate, as this was not deemed an adjustable loan, but a fixed monthly payment! I have asked several times why Capital One is doing this, and I get convoluted answers.
I had an account with XXXX for internet service. After the end of my contract period, I contacted them by phone to cancel my service. I continued to receive bills and so I notified them by mail twice that I had canceled my service. Since I refused to pay bills generated after I canceled my service, after XXXX 4 months, they stopped billing me and canceled my account. They then sent a package to me so that I could return their equipment. I did so. 

Several months later they contacted me saying that I owed them for the XXXX 4 months of service after I canceled my service and that I owed for the equipment. I informed them then the information I related above. 

Now, they 've hired a collection agency - Access Receivables Management - who is attempting to collect the same invalid debt. I owe XXXX nothing since I always paid my bills in a timely fashion until I canceled my service, and I returned their equipment.
I have been trying to do a modification with Chase bank. 1. I was approved from Save Your Home California. Chase would not accept the dollars. 2. My housing ratio is more than XXXX %. I qualify for a modification. The property is in foreclosure. They keep making excuses. First they said the XXXX bill is old. I provide a current XXXX bill and now they say it does not have XXXX ( My name is XXXX XXXX XXXX ). 3. I have written several letters and the only response I get is that They received my letter and will get back with me. They keep playing games. Please HELP