WillisBack/dataset-financial-user-claim huggingface dataset:
We attempted to pay the loan on Thursday, XX/XX/XXXX. The Check and Go ( the company that gave the loan ) 's branch had closed. We were referred to a manager. The manager did not know how to pay a loan. 
On Friday, XX/XX/XXXX, we went to the local branch, in XXXX, XXXX, only to be informed that they would not take payment on the loan because the original Check and Go branch where the loan was started was in XXXX. 
By the time we had managed to find the original branch, six days had passed to Tuesday, XX/XX/XXXX. However, Check and Go continued to assess fees and interest on the loan since Thursday, XX/XX/XXXX, even though we were able to and wanted to pay off the loan. They refused to consider letting us pay the loan using interest current as of Thursday, XX/XX/XXXX.
On my statement from Synchrony, they only list a seven year payoff amount at minimum payments. They do not reflect a payment for three year payoff, as required by the credit act report. When I called, they did not have an answer to my inquiry. I would like to know what my payments would be for a three year payoff so I can budget accordingly.
Experian refuses to re-investigate the XXXX negative accounts and refuses to remove them even though they are past the statute of limitations. Also how is it they are still in business and not being sued by federal government for violating the fair trade act? They are currently being sued by the state of Mississippi for violating it. They are harming peoples lives by not doing what they are supposed to. Disputing an item once and not doing it again even XXXX years later goes against the fair trade act. When you call they try to pitch things for you to buy.
My name is XXXX XXXX and I am currently serving the United States XXXX XXXX XXXX. I have been serving for 7 years and 9 months now and been a member of Navy Federal Credit Union for about the same time. Last month, I filed a dispute with Navy Federal Credit Union about a 30 late day payment. The customer service rep said she could not help me. I was in transition from XXXX from XXXX in the month of XXXX XXXX when this delinquency was filed. My credit card account number is XXXX. I am currently XXXX in XXXX XXXX and want to a house through Navy Federal credit union. 80 percent of my accounts, installment loans, and auto loans and financed through Navy Federal and I love the relationship with this company. I want them to consider removing the 30 late payment in XXXX XXXX. I am trying to finance a house through Navy Federal in XXXX and was confused when they said they could n't help me remove this 30 late payment made in XXXX XXXX. Please help me solve this issue. 90 % of my accounts with XXXX XXXX are automatic payment because this issue I am having today.
I applied for a home refinance through Connecticut Home mortgage. Connecticut Home mortgage merged under the Home Services Lending on XX/XX/XXXX. All my paper work and appraisals were done on time. The lender, XXXX, delayed the underwriting for over 3 weeks and now will not honor the rate lock. I need someone to resolve this. The mortgage company one month later wo n't issue a commitment letter or denial but I received a call that the will not honor the rate. I received a call from the Branch manager today, XXXX at Home services lending who recommended that I file a complaint with the CFPB to get the Bank to honor the rate lock.
I sent notice by certified mail to XXXX XXXX XXXX TO CEASE CALLING ME AT WORK BECAUSE MY EMPLOYER DOES NOT ALLOW THESE CALLS. AND YET I AM STILL HARASSED BY PHONE NUMBER XXXX EXT.XXXX. I HAVE ALSO CALLED AND INFORMED THEM THAT I AM SETTLING MY DEBTS THRU XXXX XXXX XXXX, XXXX. AND THEY STILL CALL MY EMPLOYERS NUMBER.
XXXX XXXX and Experian refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both XXXX and Experian. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the XXXX and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to XXXX They said they would send me a letter and that I should hear from XXXX in 30 to 60 days. XXXX refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.
I have contested a XXXX dollar bill with the company Swiss Colony in XX/XX/XXXX. On XX/XX/XXXX 2017 They  responded with two letters stating that the account does not belong to me and that they have contacted the credit reporting agencies to have this account removed. In the process of getting a mortgage the collection account is still showing in XXXX, I have submitted letters two XXXX and call them and was told that when they call Swiss Colony there computer still showing the account as belonging to me Help.
The collector called my XXXXyr old mother up to several times in one day over more than a week, leaving a message, asking for me. Not leaving a personal name, but a phone number and account number. 

This collector is from a landlord dispute that we have from a former apartment.
On XXXX/XXXX/2016 a dispute was initiated through the CFPB porthole with respect to erroneous accounts being inaccurately reporting on my Consumer Report and for Equifax failing to provide me with accurate information as to who furnished the alleged accounts per Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). ( See : CFPB ref # XXXX ) A search of the Equifax site revels that the company has not initiated a formal investigation as stated in their response through the CFPB porthole on XXXX/XXXX/2016. ( See : CFPB ref # XXXX ) Equifax continues to violate my rights as a Consumer. ( See : Attachments ) I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Equifax also failed to initiate an investigation after receipt of notice of dispute. Additionally the company has received additional communications from me " the consumer '' during the review of the complaint. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-Greenbelt # XXXX 2 ) US BK Court-Greenbelt # XXXX 3 ) US BK Court-XXXX # XXXX This is my final attempt to communicate with the company to correct their records ; and any information obtained shall be used for that purpose. This is not a statement, election, or a waiver of my rights.
I disputed inquiries that were not made by me, however I have not heard back from them. Each item marked in red is in fact an inquiry I allow. All others are not.
On XX/XX/XXXX I came home from a long day of work and found the attached letter in my mail box. In this attached letter from XXXX XXXX it is advising that on XX/XX/XXXX a payment that was legitimately authorized to them from Bank of America on XX/XX/XXXX was advised unauthorized per a dispute given by the " now '' Bank of America account holder. I was an authorized party on the account until XX/XX/XXXX. The amount that was disputed was for XXXX. 
This was indeed an authorized payment due to I was a joint owner of the Bank of America account when the payment was submitted to XXXX XXXX. The reason that this payment was advised unauthorized by the current account hold is because my ex is being spiteful and he knows that Bank of America is not going to put in the extra legwork to ensure if this was indeed true or false. 

This is the XXXX time I am having to deal with this matter in a 1 month time frame and it is becoming ridiculous. If Bank of America did a better job in ensuring the following before the dispute was done we would n't have this issue : - Who 's name is on the bank account at the time that the payment was made? 
- Who 's name was on the account that the payment was made to? 
- Does the address match what was on file to Bank of America when the payments were made? 

I can answer this with ease - IT WAS MINE!!! Bank of America should not allow authorized payments to be disputed when they were made legitimately while it was a joint account. My ex is being spiteful due to I broke the XXXX because he became abusive. Bank of America this has to stop! I am tired of being a victim because someone is not doing their job correctly and continuing to breach their fiduciary duty.
Re : XXXX XXXX XXXX, Account number XXXX To Whom It May Concern : I would like to dispute the validity of XXXX XXXX XXXX XXXX Account number XXXX. I continue to dispute the validity of this account. This is my Third dispute for this account located in this correspondence are Copies of the certified letters and the proof of delivery of the Dispute. I request that Equifax please delete this account from my credit report. <P/>Thank you Sincerely,
Incorrect information on my file that may be leading to fraudulent accounts being opened in my name. Please see attached document
I received the following email from Paypal today : Hello XXXX XXXX, We wanted to remind you that you currently have a PayPal Credit account that is not linked to a PayPal account. 

How PayPal Credit Works PayPal Credit is a digital, reusable credit line. When it is linked to a PayPal account, it can be used anytime by checking out with PayPal at an online store and selecting PayPal Credit. 
Special Financing Basics PayPal Credit offers No Interest if paid in full in 6 months on purchases of {$99.00} or more. 

If you do not pay the promotional purchase in full in 6 months, interest will be imposed from the purchase date at the variable Annual Percentage Rate ( APR ) that applies to new purchases made on your account when the promotional purchase is made, which as of XX/XX/2019 is 25.99 %. This APR will vary with the market based on the prime rate. Minimum monthly payments are required with this promotional offer. See terms. 

This is not an introductory offer and is available on every purchase of {$99.00} or more when you checkout with PayPal and select PayPal Credit. 

You can begin using your credit line by linking it to a new or existing PayPal account.

I never signed up for this product. I believe that PayPal has had prior CFPB action taken against it for this exact behavior.
I have had a long history of issues with Navy Federal Credit Union. It started on the first month of the mortgage with them. All the closing documented had one start payment date, a short time later they told me the first payment had been changed and is now due less than weeks from this notification. 

Another highlight was when I took a XXXX cut in pay during financial crisis. I was having issues with making a payment so I called for help. They said I could spread one payment over the the following three months. I soon learn they turned off my credit-card and reported to credit bureaus I was 30+ days late for the following three months I was making up the payment. I complained to NFCU and they refused to make it right. 

During the last several years I was still struggling and NFCU would refuse to help/offer assistance. I filled out their relief packet with no help in return with the 1st mortgage, they did help with the 2nd. I called the VA more than once for assistance. On more than one occasion they stated NFCU was very difficult to work with and they had to call NFCU in order to force them to work with me. 

During the same time I needed help they would deny me access to my accounts if I was late paying. When I complained they said I needed to call in if I wanted help with accounts. 

On a couple of occasions my home was on the brink of foreclosure. On one specific instance they made me pay all of the extra fees to get it out of foreclosure even though it was never sent to the attorney for foreclosure. 

During the late pays they would call non-stop, almost hourly from early morning hours to late at night. 

I also had an insurance claim on my house for damage. I had deposited the money to my account so I can do repairs. I soon learned that NFCU forced XXXX to send the money to them to hold the money. When I called NFCU they stated they are going to hold the money to make sure I got the repairs taken care of. The amount of hoops I had to jump threw in order to get money for repairs to my house. I did n't know they can force another financial institution to withdraw money from a members account and hand over to them. 

There are many many more issues with NFCU, this is just the highlights over the last few years. I have filed complaints with XXXX, NCUA, etc. 

Recently NFCU refused to provide XXXX a copy of the 30 day payoffs because my signature did n't match what they had on file ( I guess from 20+ years ago ). I tried to fill the link out on line and ironically the link did n't work.
I have reached out to each bureau six times including my most recent letter XX/XX/18 and before that XX/XX/18. I am a victim of identity theft. I have reached out to each company in question and t hey are unable to validate me by any information I provide them. Not even my social. I have asked them to remove and block these accounts six times and they respond by asking me to verify my identity by sending in proof I am me. I have sent in proof four of six times with no response or them saying its valid with no investigation or proof its valid. When I reached out to companies they said they have no record, notes, etc. they were contacted by anyone to validate outside of myself.
I have disputed a negative trade-line with TransunionXXXX. I contacted XXXX, XXXX and requested this XXXX to validate this account on XXXX/XXXX/2015. The person that answered the call was very uncooperative and stated that this information would stay on my credit report until I paid in full the account. I requested XXXX, XXXX to validate the account and to submit documentation and was given the run around. To this date this XXXX has not validated the account.
When I applied online with Equifax , XXXX of the security questions was : Do you possess any of the following bank cards? ... and XXXX of the multiple choice options was a name that was XXXX. not a recognizable name of a bank card. None of the other options was a card in my possession, so I answered " none of the above. '' I suspect as a result, since I 'm sure I answered all the other questions correctly, Equifax rejected my online application and required a mail-in form. This is very inconvenient and time consuming. I think they should not use XXXX names, and they should give the reason why I failed the security test.
On XX/XX/XXXX we received notice from XXXX XXXX that a XXXX XXXX XXXX XXXX account was opened in my name. I called them immediately to let them know that I did not open up an account and that it needed closed. 

I wrote them a letter on the following dates asking them to send written confirmation that the account was closed. Each time I received a standard notice back that said they were looking into it and would get back with me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX We are just seeking for a written confirmation that the fraudulent account has been closed.
Th SYNCB/BELK account that is reporting on my credit profile is not my debit. The account was sold to XXXX XXXX. The XXXX XXXX, cased was dismissed in the County Court in XXXX County, Florida because the signature did n't match. <P/>The CASE NO : XXXX ; therefore this FRAUD debit should be removed from my credit profile.
I need the CFPB to do an investigation of what went on with my duplex that was foreclosed by XXXX XXXX. I believe this property was already paid and was not released. However not only did I lose the duplex and its value I have paid for it three times - once with the payments, once with escrow used to pay for it and once with money from the Indy Mac line of credit -that was not really extinguished - to pay back the escrow I had already paid. The escrow for the duplex foreclosed has been paid to date from the field adjustments in modification already paid to midland mortgage AND XXXX XXXX! 
I need someone to sift through this mess. 
In addition since the duplex was paid by Indy Mac where is the money I also paid to XXXX XXXX after they paid off their balance with the money from the foreclosure sale? Did they buy it back with my money I had paid and then sold it again? Or was it Indymac who actually foreclosed and added the interest I already paid to XXXX XXXX back into the loan modification on my house? 
I WANT THIS FIXED. 
I have paid for my duplex I no longer own did not receive the rent and/or proceeds I was entitled and have a balance on a mortgage on my house I DO NOT OWE. 
THERE ARE BLATANT SERVICING ERRORS and I am the one forced to PAY to prove it or XXXX pay for my house TWICE. 
WHAT is the CONSUMER financial protection bureau going to do?
I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of 9 business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them.
I was sent a letter from IC Systems stating I owed a credit {$170.00}. I have a copy of the debt demand. When I disputed the debt and asked that they furnish proof that I owe this debt I was told that if I did not pay the {$170.00} then they will report me for owing XXXX ( which I certainly do not owe ). I told the agent I am an attorney and that was blackmail. He hung up the phone. I was never sent the proof of debt ( I even faxed my dispute to them ) and instead they reported to the credit bureau that I owe {$980.00}.
OnXX/XX/XXXX. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : XXXX, XXXX, and Tran union. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again in XX/XX/XXXX presented pertinent evidence that non of the inquiries and/or XXXX fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX, they ( credit bureaus ) stated they will not remove any of the information as it is verified. I provided again in XX/XX/XXXX a police report stating the facts. The XXXX accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.
I have over XXXX dollars in loans to pay back!!!! Idid not borrowed all this. But this is the total after interest which is two and half time more than i borrowred. I was told year after year given the advice to go into forbearence until my financial hardsips are overcome, ,then defer,,, then the next year defer again. I asked if i should go and consolidate all my loans into one and maybe that will bring down my interest rate into a lower interest rate..They told e it would be a bad idea to leave navient with these loans.The sad thing is that I went to school for six years got a XXXX and am still unable to get the job in my field 6 years later. As my loans plus interest keeps adding up higher and higher I am told to go into forbearence ... .now I cant get a loan to buy a home, a car, a credit card nothing becasue I owe so much!!!! I totally feel that the people I talked to year after year did not give me good advice at all. Some Of them I could not even understand them. its like We are talking about my future and my lively hood and all my loans and they did not have my best interest ... most time they would put me on hold as they could not answer my qustions!!!
On XX/XX/XXXX18 I received a report from XXXX XXXX that fraud activity was showing up on my XXXX  credit report. Upon further investigation, Acima Credit was contacted my myself and they denied any info in my name or SS #. I printed a credit report from XXXX  and found that XXXX XXXX XXXX in XXXX FL made an UNAUTHORIZED inquiry of my credit report on behalf of ACIMA Credit. I called the police to make a identity theft fraud report to send to XXXX  to back up my claim. Acima was NO help at all!