WillisBack/dataset-financial-user-claim huggingface dataset:
In lateXX/XX/XXXX I discovered numerous accounts and information existing on my personal credit reports that was not mine. I disputed the them with all three credit bureaus, and most of the erroneous information was corrected. However, one or two accounts remained. I then contacted the FTC on XX/XX/XXXX, and opened an identity theft case.

With their help, I was able to institute a recovery plan to correct the remaining fraudulent information and was successful at effectively working with XXXX, XXXX, as well as the creditors in question, all of whom have corrected these inaccuracies.

Having said that, Equifax, after receiving my identity theft report and corresponding documentation via Certified Mail on XX/XX/XXXX, have proven extremely difficult and unprofessional to work with, and apparently they have decided to thumb their noses at any Federal Laws pertaining to credit reporting or identity theft by refusing to remove the last remaining fraudulent account from my credit file, even after the original creditor conceded to it's illegitimacy, thus violating the removal within 4 business days, or the 30 day removal of inaccurate information known to be unverifiable and inaccurate, Federal Laws.

Additionally, it seems they have " updated '' this one remaining fraudulent account to now list XXXX XXXX as the original creditor, ( from the previous XXXX XXXX XXXX ), and also alter the reported original date of delinquency to XX/XX/XXXX, ( from the previous XX/XX/XXXX), presumably in an effort to further victimize me and my family by re-aging this account to stay on their reports longer.

Please ... any help the CFPB can be in these regards would be greatly appreciated.

Thank you
I recently received a letter regarding my mortgage loan, and have contacted XXXX regarding what I believe is erroneous information that had begun approximately XXXX XXXX. The loan itself was under XXXX XXXX XXXX at the time, and their servicing company XXXX XXXX XXXX up several loans escrow accounts, causing over payments, and then sometime during XXXX bought out by JG Wentworth. In the transition, my on line account was blocked, and I was told to make payment over the phone, and in the transition requested several times for a complete reconciliation and accounting so I could see/determine the correct payment. 

I made four large payments to bring the account back up to current, a result of the transition of XXXX XXXX XXXX servicing companies and XXXX along with a XXXX XXXX XXXX from JG Wentworth and a former employee of XXXX assured me not to worry and that he 'd take care of " all the stuff in the background '', and get my loan corrected and back on line. To date this has not been done, and I 've called several times requesting not only information, but an audit accounting of the loan for the past two plus years. 

Recently I contacted a XXXX XXXX XXXX from XXXX and requested the same information, and she indicated she would try to help. That was three weeks ago, and still no resolution. 

I am submitting this complaint regarding my issues with both XXXX XXXX and JG Wentworth, and ask you to have the loan investigated for possible mortgage fraud by the loan servicing companies, XXXX XXXX XXXX, as they have failed to provide me with a full accounting of the past three years from when the loan servicing company made errors to accounts ( including mine ), payment application, and resolution of the account. 

Please feel free to contact me regarding any information, or if you would have another way that I could submit a complaint through the Department of Veterans Affairs, I 'd be more than happy to do this too. 

XXXX XXXX XXXX
In XXXX, 2012 when I moved to my current apartment, I contracted with XXXX to provide me TV and internet service. When the tech came to my apartment to install the dish, he told me they could not provide service because they could not see their satellite. I understood and contracted with my local cable company to provide service. I received a bill from XXXX shortly after this and I called them to explain the situation and they said they would cancel the bill. I never received a bill XXXX ( the internet provider ) so I assumed that their service was also cancelled. About six months later I got a phone call from a collection agency telling me that I owed XXXX {$440.00} and they were attempting to collect it. I explained to them that I did not owe these charges and that I never received a bill XXXX. I have not to this day ever received a bill from XXXX and that if I had I would have dealt with the issue at the time and it never would have gotten to this stage. The collection agency has placed a collections item on my otherwise impeccable credit report and I would like to have it removed.
I am currently trying to resolve a matter with PHH mortgage company. We 've have a prior run-in with them before and the CFPB was very beneficial in helping us. PHH illegally went to sale on our home in XXXX. Once we called them out and filled a complaint, they vacated the sale. They 're now they 're refusing review our request for loan modification on our VA loan and to stop a sale date on our property. The filing of sale was posted on XXXX XXXX and set for XXXX XXXX. 
PHH is stating that they will only postpone a sale if it is XXXX days prior to the sale date - the difference between XXXX XXXX and XXXX XXXX is XXXX days. This XXXX day rule would make it impossible to stop the sale according to PHH. 
We need your help to stop this action - we are working tirelessly with them to try to resolve this matter and they are making that as difficult as possible.
I had earned a visa rewards card from a credit card I have. The rewards card was issued for {$50.00}. When I called to activate the card, they advised that the cards value was now {$47.00}. I tried to used the card at a restaurant and it was denied. I contacted the credit card who issued the visa rewards card and they had no clue as to why it was denied. I then was shopping and decided to try using the card again. The first time it was swiped, it came back declined. The salesperson tried swiping again and it indicated that I had {$42.00} on the card. We did go ahead and use the card. For a {$50.00} reward I was 'shorted ' {$7.00}. ( I was going contact visa regarding the first denial, however, when I called the number, I was advised there would be a fee for talking to them - needless to say, I immediately hung up rather than further decrease the card value. ''
Equifax continues to report this incorrect information from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The refuse to block the fraudulent information. I am again sending an updated police report and would like the information blocked from my credit report.
I sent {$1700.00} and it 's been under review since XXXX I 've been on hold since XXXX and it 's now XXXX
Someone called me and said that I had leftover scholarship money. They had all of my prominent information. They just needed my bank account information. I just moved from XXXX to XXXX and my old bank is not local here so my dad opened an account for me with USAA. I was going to switch my banking from XXXX to USAA. But they did deposit and now my account is negative around {$4800.00}. They closed my account out but I need help finding out who these people are and where this money came from.
My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!
XX/XX/2018 applied for mew construction loan. Spent months sending paperwork amd documents sometimes more than once. Got preapproval letter for $ XXXX. A couple months go by and approval was lowered to $ XXXX. That was XX/XX/2018. I told the rep to go ahead and submit to underwriting. XX/XX/XXXX recd email from rep asking if i want to cancel?? I said i thought it went to underwriting 2 months ago. She replied i should cancel and go elsewhere. I never recd a denial letter or a reason for the delay or cancellation
I '' m having a hard time getting these six late XXXX XXXX payments removed from EQUAFAX, and XXXX. I already resolved this issue with the XXXX XXXX XXXX and my account is in forbearance. There is also no owed payment on my account with them and every thing is up to date. I was able to get these items removed from XXXX under the fair credit act which means they sided with my claim that there information was incorrect. pleas help me get the fed loan payments off of EQUAFAX and  XXXX because they wont budge.
I transfer money using google wallet service to my boyfriend. I was giving the chance to the review the transaction before submitting it. The transaction said it would be completed within 24 hours. It has now been for days and the money has already been taking out of my account but my boyfriend has yet to receive it. I call the google wallet service everyday since the transaction and they tell me something different every time
On XX/XX/2014 I made a principal payment ( {$300.00} ) that Wells Fargo put in unapplied funds. On XX/XX/2014 a regular mortgage payment ( {$560.00} ) was made. Then on XX/XX/2014 they applied the extra payment to the balance ( {$94000.00} ) after the regular payment. It should have been applied to the balance ( {$94000.00} ) before the regular payment. Wells Fargo says they can't go back but 90 days. If I made a mistake Wells Fargo would go back 90 days! Where's the accountability?
I was contacted by US Dept of Education/  XXXX   about a student plus loan that I did not sign for. During initial contact  XXXX  2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from  XXXX . When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with  XXXX  I was told that I needed to file a police report, in which I did immediately. I provided the  XXXX  police report to  XXXX  ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the   XXXX   major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by   XXXX   to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/ XXXX ,   XXXX   XXXX  , Equifax and  XXXX  for reporting inaccurate data.
I received a letter from Associated Credit Services Inc about a bill that I have never received from XXXX XXXX XXXX XXXX. There is not date of when this had happened on the letter.
We have been working with a homeowner on a hafa short sale with PNC Mortgage. MONTHS AND MONTHS of them " losing '' paperwork - despite fax confirmations. Now they are telling this XXXX couple that they were declined for hafa due to " inconsistencies ''. They REFUSE to elaborate. I can not imagine any inconsistencies, however, per their hafa matrix, they are supposed to request documentation to explain. They refuse and are telling us that they will only give an explanation if the homeowner requests in writing - this is not acceptable. We have a good offer and these buyers will not continue much longer. They have offered them a short sale wherein they will not waive the deficiency without a huge contribution. This couple is on XXXX and has NO MONEY.
To whom this may concern, I have recently been doubling my efforts to pay back my student loans. I have not missed a payment in the 10 years that I have been attempting to work off my debt. I borrowed nearly {$65000.00} in private student loans for a XXXX degree in XXXX. I still owe {$60000.00} after 10 years of paying. 


Providing that much money for a XXXX in XXXX should be illegal. It boarders on a predatory loan. I have been lucky enough to find a job that allows me to afford to pay back my loans, but it took much personal sacrifice and deprivation. 


Here is a list of my loans and the percentages of interest that I am being charged : XXXX 5.5 % XXXX 4.5 % XXXX 7.5 % XXXX 6.5 % XXXX 10.5 % XXXX 6.5 % XXXX 10.5 % The loans numbers are respectively : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 


This is sickening that I am being charged interest rates at this level. I have already paid the money back that I borrowed and now I am being gouged for interest. How can I be charged interest rates at this level? My first car loan was less then 5 %. My credit is excellent and I have a stable job. It is awful that Navient is making money on the backs of people that are responsible enough to pay their loans, but do n't have enough money to have a life because of it. 


Thank You, XXXX XXXX XXXXXXXXXXXX
I have a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.
MY BUSINESS BANK XXXX XXXX.WE RECEIVED A LOAN FROM XXXX XXXX.WE PAID IT OFF ON TIME FOR 4 YEARS STRIAGHT ON TIME EVERY MONTH, THEN IN TURN WE HAD FRAUDULENT CHARGES OF ABOUT {$80000.00} IN FRAUDULENT CHARGES IN WHICH WE THINK OUR BUSINESS ACCOUNT WAS HACKED ONLINE IN HOW THE MONEY WAS STOLEN WE HAVE HAVE ALREADY RECIEVED ABOUT WE WANT THE THE MONEY OF {$24000.00} IN MONEY THAT WAS STOLEN BACK FROM CITIBANK! WE WANT THE MONEY OF ABOUT {$2500.00} PUT BACK INTO OUR BUSINESS ACCOUNT DUE TO THE FACT THAT THEY MEANING THE COMMERCIAL LOAN DEPT OF CITIBANK DID NOT DO THEIR JOB BY OBTAINING OUR UPDATED NEW BUSINESS ADDRESS AND PHONE NUMBER THAT WE HAD ALREADY PUT INTO OUR CITIBANK ONLINE BUSSINESS ACCOUNT UPDATEDING THAT WE HAD MOVED AND WE HAD ANEW PHONE NUMBER WOULD EXPLAIN WHY WE NEVER RECEIVED ANY NOTICES OR WARNINGS ABOUT THE LOAN BEING BEHIND IN PAYMENTS OR ANY ANY HELP THEY COULD GIVE US OR TIME BORROWED BECAUSE OF THE FRAUD TO OUR BUSINESS IN HELPING US TO HAVE MORE TIME TO MAKE PAYMENTS ON THIS LOAN AND BY THE WAY WE SUCCESSFULLY PAID OFF ANOTHER LOAN 2 YEARS EARLIER IN FULL TO THEM!!!!!!
I would like to dispute the case that Chase considered as " resolved. '' I have reported to Chase that there was a quickpay transaction on my checking account that I did not authorize and they refuse to help me get my money back. Chase has done nothing but make my life miserable regarding this and they keep blaming me for making the transaction. I dont know this this XXXX XXXX XXXX is and I made no such payment to her on Quickpay!
This is the second complaint I 've filed. the company is  Constar Financial . They continue to call on a student loan debt of my daughter 's. My daughter does not live at my home or telephone number, yet they continue to call. I 've told them to stop calling. The most recent call was  X/XX/2017   . The caller said her name was  XXXX   XXXX . When I told her to take my number off the call list she became agitated and said " You do n't have to be nasty! '' I told her I 'm not being nasty but I want my number off their call list and said I would file a complaint with the CFBP.
I am very devastated of the way Wells Fargo keeps prolonging my case so my sale date for XX/XX/2017 will not get cancel on time, I have provided all the required documents and Wells Fargo agent just keeps telling me that my packet is with the re-entry team and they are going to finish the review soon. However I have done this process for almost XXXX years and I know it does not take long to have an agent assign to my case, my file has been under review by the re-entry team for over XXXX weeks basically almost a month. I am sure that Wells Fargo intentions are to foreclose my home. I have explain to them my source of income and have provided enough proof. Please question Wells Fargo intentions I do not want to end up homeless. It has being a very stressful year due to my divorce and losing my job shortly after. My intentions are to keep my house and become current once again.
I placed {$1000.00}. on my wife 's prepaid card a month or two ago. Almost immediately the money was stolen by fraudulent charges made in XXXX. Amex refunded a couple XXXX dollars after a month or so but refuses to refund the remaining fraudulent charges. The customer service reps in XXXX are poorly trained and completely useless and nobody at the amex company in XXXX will talk to us, call us back, take us seriously etc. Please help.
The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law   office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.
XX/XX/XXXX, I had emergency surgery, I was out of work for weeks. My mortgage is with HSBC. I applied for a loan mod and was denied. my interest rate is 9.8 %. I refinanced with HSBC in XX/XX/XXXX and they told me to make my payments on time for a year and then they would refinance me. One year later I called them to refinance and their response was, that in XX/XX/XXXX they closed all of their offices except the main office, and they were not doing any loans. They knew this, when I refinanced with them in XX/XX/XXXX, in other words they told me a bare faced lie! Now i 'm XXXX and am self-employed and I do n't want to lose my home, but am strapped tight. When I had my surgery, I lost a customer and have n't been able to replace them. My payment with HSBC is {$140000.00} a month. I need help and I could afford a lower payment and meet all my other bills and needs. I have called every finance company possible and they all tell me the same thing my debt ratio is too low. My credit score is fair. I feel that something needs to be done about HSBC. It seems like they would n't want me to foreclose and work with me and their other customers, instead of losing money. I checked on HSBC and their are a lot of scams that they have done to many of their customers. I just do n't understand how they can continue to get by with this. I cant apply for the HARP program because my loan is n't owned by XXXX or XXXX. The economy is going up all the time and I need help! Thanks, XXXX XXXX
I am in the middle of a foreclosure issue that should have nothing to do with me. My divorce was final in XXXX and my ex-husband received our home in the divorce. We refinanced during our separation in XXXX ( due to the courts delaying the divorce ) and I was forced to sign a Deed of Trust ( State of MD ) since we were not legally divorced. By the time our divorce was final, my ex-husband was not making payments and foreclosed on the home. I have been trying for many years to get my name off of the Deed of Trust and can not. I hired an attorney and while he was able to remove me from the Deed, he could do nothing about the Deed of Trust. Now after 10 years I am being named in the foreclosure documents. The bank will not speak to me even though my name is listed on the foreclosure. We tried to have a mediation with the foreclosure company and the attorneys and Seneca Mortgage said they would send us a letter explaining that I am not responsible but they did not. I am now told that Seneca sold the loan to Selene Finance. I am NOT responsible for this debt and now my credit maybe ruined. NO ONE can tell me if the bank could place a judgement against me regarding the remaining debt after the foreclosure is completed. I would like some help with this issue. The original loan was with XXXX. It was sold to XXXX XXXX XXXX who forwarded it to Seneca Mortgage and I am told it is now in the hands of Selene Finance. The letter was sent to Seneca before the loan was sold to Selene. The attached letter explains the situation in more detail.
This company calls me 5-10 times a day every single day with an automated recording that they are a personal currior survice that will be delivering legal documents to me if do n't pay my debts.
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
1 ) XXXX XXXX ( {$910.00} ) 2 ) Navy Federal Credit Union ( $ UNKNOWN ) 3 ) XXXX  XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
On XXXX/XXXX/17 I called Home Shopping Network ( HSN ) at XXXX to order an item for {$49.00}. XXXX, the representative, told me if I opened an HSN credit card I could take {$40.00} off my total. I agreed and she processed my order. I then asked her what the interest rate was on the credit card. She replied that after we were finished, I should not hang up ; I would be transferred to a recorded message and terms would be disclosed. We finished and I did hear a recorded message about the account, but there was NO MENTION of the APR, or any other financial information about the account. Only when I received the card with the agreement in the mail did I learn the interest rate is 27.74 %.
I have attempted to email HSN at least ten times through different " Email Us '' links on their website, and using two different browsers. No email will go through.
I had a balance of {$97.00} in my venmo account. They offered the option to transfer it to my bank account via my debit card #. I selected this option and initiated the transfer on XX/XX/XXXX. Today, XX/XX/XXXX, the funds are still not in my bank account and venmo is stating that it shows the deposit cleared on their end but is refusing to provide any documentation to prove this transfer occurred and was accepted.