WillisBack/dataset-financial-user-claim huggingface dataset:
Experian is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.
My husband had his social security card stolen and we never knew about a PayPal account made in his name. We never got any letters or anything and we get numerous call everyday and night from different numbers about he owes XXXX to PayPal. Like I said we have never gotten one letter about this and me and my husband get calls and I don't know why they call me. I have told them over and over we have an investigation going on to see what it is they won't give me an account number or anything. I have asked them numerous times to stop calling every 5 minutes while we are at work and at night but they won't stop. The numbers show up as unknown and restricted. And never leave messages. Last night the lady got really mouthy with me And said further actions would result.
I lost access to an email I used to set up my first account on Coinbase. When I login using that email, I receive the SMS text message authorization, but the second step sends an email to the account I lost access to. So, I know the coinbase account is still active. They have guidelines for how to remedy this situation. I followed them by creating a new Coinbase account and uploading my driver 's license so they could verify I am the owner on both accounts. I have contacted them several times, but never get a response. 

Contacted them on the below dates : XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) I have included snapshots of the emails with the case numbers created at the bottom of each. I purchased XXXX bitcoin in XX/XX/XXXX for {$95.00} and is now worth over {$1500.00}.
Merchants and Medical continues to skirt the law by placing items on a persons credit report before validating the debt then when complaints are filed they provide false documentation that a validation letter was sent out. They also continue to verify the debt with the credit bureaus even though they have not followed the law regard debt collections.
XXXX XXXX XXXX alleged fraudulent activity on a checking account and closed it without cause. I called XXXX XXXX XXXX to address the situation and it seems they have not been willing to help. They reported the negative and inaccurate information to Early Warning Services, which has had a negative impact to me doing business with other banks. I even sent several emails to the CEO with no reply.
The car was used when I purchased it, on the same day I got the car I took it to my insurance agency to add insurance, the car wouldn't crank back up. Had to end up calling XXXX, explaining to them that I just purchased a car the same day and it want crank and the dealership said that they can't help me that they aren't going to get the car in and fix it, which they called a ( lemon car ), long story short when I got off the phone with XXXX XXXX of XXXX which said that they had to get that car within 24 hours, they came got the car and fixed it enough for me to get it back home and drive it for bout another month, which at the time I told them to come get it, they refused, eventually they came and pick the car up and put it on my credit two times, and they still calling after I keep telling them they sold me a lemon car, I register for do not call in XX/XX/XXXX, and their still calling all month long every month.
Hello I have requestion for validation of this debt through XXXX and capital one. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
I filed a complaint because U.S. Bank refused to return {$5500.00} that was stolen from my account in the form of a fraudulent check. They lied in their response to my complaint, stating that " you stated that you had checks stolen before XX/XX/XXXX. The loss of your checks not being reported was resulted in your claim being denied. '' That's not what happened. When I signed my affidavit I indicated that the checks had been stolen prior to XX/XX/XXXX, based on the address on the check. Prior toXX/XX/XXXX I had no idea a check had been stolen from me. I was trying to give U.S. Bank as much information as possible, and the address on the check was from a residence I moved out of in XX/XX/XXXX. Again, I had no idea the check had been stolen until XX/XX/XXXX when I saw the fraudulent check on my account. If you read their letter from XX/XX/XXXX they didn't even mention anything about the checks being stolen prior to XX/XX/XXXX, they said they refused to return my checks because I " failed to secure '' my checks. The reasons they're giving for refusing to return my money keep changing, but the bottom line is that the check was fraudulent, I had no idea the check had been stolen, and U.S. Bank is obligated to return my funds for the fraudulent check, even though they have continuously refused to do so.
XXXX XXXX Visa ( USbank ) sent me an offer in the mail ( attached ) and under the Dear XXXX XXXX paragraph, the last sentence states : " This is your official invitation to apply! '' so that was the paper I kept. I always apply online so I never keep the paper application they included. A week or two later I went online to apply and could not find the " confirmation code ''. I was told by their representative to apply for the card with the offer online and when I get my card to send them the copy of the offer that was mailed to me and they would honor it. The offer that they mailed me stated that I would get {$100.00} statement credit when I spent {$500.00} and that my initial purchase and balance transfers would be 0 % APR for 15 months. I sent them a copy of their offer and then received this letter back ( attached ) stating that I would get XXXX bonus points and only 12 months 0 % APR. The bonus points are only good for XXXX XXXX products, which I absolutely no interest what so ever. I am also including the same offer I just got in the mail yesterday with their " official invitation to apply '' letter with the application that came with it. First off, if that letter makes the statement that it is the official invitation to apply, then why isn't the code on it or, at least, have in parenthesis " see application ''? Second off, why was I told by their representative a totally false statement that they would honor the letter?
The wire transfer was made with my account to a person named XXXX XXXX. This was a scammer who had opened a false bank account with bank of America and impersonated a different person to collect money on an investment. 

The bank promised that its legal department would look into getting the money back and the scammer would be traced and that Bank of America would be able to track down the scammer and retrieve my money. 

Instead the bank only gave a courtesy call to the scammer and took no action to recover my money. 

The bank was given all the information that a police report had been filed and an FBI report had been filed to catch the criminal. The Bank chose to ignore that information even though the agent from the Claims department herself had stated we report this to FBI and the police as that would help to recover our money. The blank claimed they have cameras and will be able to track down who had opened that account. The FBI report attached below shows how the scammer changed the bank information by middle man hacking techniques on emails. 

I have the claim number on the Bank of America XXXX, the police report and the FBI report.
I have Federal Student loans that were serviced by Navient/Sallie Mae starting in roughly XX/XX/XXXX, but perhaps prior to that date. Of course, I had no choice in the matter as to whether I wanted Navient/Sallie Mae assigned to me. During Navient/Sallie Mae 's time as my servicer, I made payments that I was led to believe were Income Driven Repayments which were verbally certified to me as such by Navient/Sallie Mae 's customer service teams. The reason for me choosing IDR payments were twofold : 1. So that I could manage my personal budget better ( I am a XXXX XXXX XXXX and could not afford the monthly payment ) and ; 2. So that I could be eligible for the Federal Government 's PSLF Program ( Public Service Loan Forgiveness ) which was signed into law in XX/XX/XXXX.

When I recently was contacted by my new servicer regarding my PSLF status, I learned that Navient/Sallie Mae reported that I had made XXXX ( XXXX ) qualifying payments, which is completely contrary to what they were leading me to believe I was doing from the time period when they were my servicer. When I have contacted Navient, they deny any records and claim that I have to contact Sallie Mae, and vice versa. Furthermore, Navient/Sallie Mae reported to my current servicer that I was in forbearance during periods of time which I believe are inaccurate. I am acquiring bank statements to prove this fact. Navent/Sallie Mae should credit me with the proper qualifying payments, and if need be count my payments that were made during forbearances that I did not request.
XXXX XXXX is a car lender loan company. On their website it clearly states they report to the credit bureaus every month. It has been 12 months out of the five year loan agreement and no payments history has been recorded with any credit bureau. I contacted XXXX I contacted credit bureaus and nothing. No response. The bureaus tell me to contact the company and the lender tells me to dispute the information. On XXXX XXXX the account shows as closed and paid off yet I'm still receiving statements and have four more years. I do not know what is going on. My credit could be improved a long time ago.
I have numerous amount of account review inquries on my trans union report that have been used without my consent, these inquries are now affecting my credit score and i feel like i should have been notified that my credit will be a factor, i feel like all these should be removed from my file since i had no idea that these will appear on my credit report. 
THINGS LIKE XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX - DONT KNOW WHAT THAT EVEN IS, XXXX XXXX, ALL THESE SHOULD BE REMOVED. AS WELLL AS THE HARD INQURIES ON MY ACCOUNT THAT I HAVE NO IDEA ABOUT.
I received two phone calls from this company dynamic recovery solution once the week of XXXX XXXX and the second one from yesterday XXXX. The number they are calling to in a business number with random different people working volunteering. I personally have no issues paying my credit cards. I seen review form website that this company is a scam and they try to collect debt that does not exist. The man said his name is XXXX and he is from dynamic debt recovery solutions ( XXXX XXXX XXXX. Our work phone number he called is XXXX XXXX XXXX XXXX and our message is on our voice mail does not give out names it just stated the XXXX of the business and departments so how do I know he is real or a scam? I do n't want to call amd get harassed. Please advise. In the meantime I will ignore he calls which are random as well. 
XXXX XXXX
XXXX XXXX closed my XXXX XXXX account as soon as I paid it off in full. There reason was because of what the credit bureau reported to them. I had not once been late with a payment to this account and I had enrolled in automatic payments to assure that the account would be paid monthly and on time. I 'm very confused!
I subscribed to a trail product and cancelled it 2 days before and got a confirmation email and they still charged my card. I called my bank which informed me that I should contact them first so I did and held on the phone for over 2 hours. Still no answer. This unacceptable when they know they took money that they weren't authorized to get. Amount of XXXX  and XX/XX/18
My mortgage loan servicing company is not following the terms of my loan modification agreement. The result of this is me being forced to pay several hundred dollars more a month to maintain on-time payment history. I have contacted their loan servicing department several times in the course of the last month and a half to fix the issue but have gotten no resolution.
Bayview Loan Servicing , LLC took over my loan from XXXX XXXX XXXX, after the Federal Government found XXXX XXXX XXXX guilty of improper mortgage modification and I was awarded {$2000.00} dollars and they were to complete trial modification. They did n't, they sold it to Bayview. Bayview has delayed, denied, stalled the loan modification for years now and continues to say they either did n't get requested documents, when I have proof of delivery or they just deny it outright ; telling me they represent the investors not the mortgage holder. This is criminal. They improperly send notices through their attorney prior to even sending decisions trying to foreclose, even during my XXXX and especially on Holidays hoping I was not home. They need to be reprimanded and fined for not following federal guidelines just at XXXX XXXX XXXX was.
As one of the 143 million victims of the Equifax XXXX data breach, I was provided with a credit monitoring service through XXXX   XXXX. Today ( XX/XX/XXXX ), despite the ongoing threat to my & my family 's financial security, as a direct result of Equifax 's negligence, I received notice from Equifax that the XXXX   service has been cancelled, with no reason given. Equifax should be held responsible for the original data breach, including small gestures like providing free permanent credit monitoring services.
XX/XX/XXXX - Received email from XXXX XXXX telling me my XX/XX/XXXX savings statement is ready. XX/XX/XXXX at XXXX I tried to logon to web site for XXXX XXXX . I got into site, but could not view or access bank statement. I tried to contact bank via their savings contact number on web site, but just got put on hold ... no one ever answered. I waited on hold for 15 minutes then hung up. I called again at XXXX and once again heard " ALL OF CUSTOMER REPS ARE SERVICING OTHER CUSTOMERS ... '' this went on for 20 minutes. My wife and I have a large account balance at this bank. This was a very disappointing situation. I do not understand how a large bank can have such terrible information technology practices. Customers ca n't view their accounts or statements??? 
Please look into this matter for me. I would like to know what they are going so this does not happen in the future.
I received a letter in the mail from Pressler and Pressler, claiming I owe a balance of {$890.00}. I directly disputed this last year with the XXXX credit bureaus and it was removed. They are still harassing me claiming that I owe them this money and if it is not received they will attempt to garnish my income and any money in a bank I may have. This information had been removed from my credit reports as of last year, and I no longer was responsible for it. These people went so far as to send a suspicious person to my home last year to " serve '' me court documents. I have never received an official judgement or court appearance notice in the mail from the actual courthouse, and again this was removed from my credit report. I want these people to send me a written apology and I do not wish to receive any further communication from these bullies.
This past year I have noticed a unethical approach by Wells Fargo Bank - United States of America when posting transactions. It seems that once my account gets low in funds, all of my transactions take an average of 4-7 days to post, but when the account has plenty of money, the transaction posts same day/ next day. The manipulation and reordering of transactions done by Wells Fargo employees clearly exposes what they are doing. Their goal is to hold transactions as long as possible ( as they will disappear completely from the " pending transaction section '' ) and post them once they can ensure an overdraft fee has occurred. This has happened multiple times throughout the life cycle of my account with Wells Fargo, and I've even let the account go negative to test my theory of how they are XXXX over the American Public. An example of what I'm talking about - On Monday, my account read {$50.00}, I made 3 purchases all for {$10.00} ea. they go into " pending transaction '' - My account reads {$20.00}. On Thursday of the same week, i run into an emergency and have to commit {$25.00} to purchase something, understanding that a {$35.00} fee will be charged because of this transaction that put my account in negative. At this point, the 3 separate transactions for {$10.00} ea. disappear completely, Account reads positive, Wells Fargo posts the larger transaction ( for {$25.00} ) then the next week, tries posting the 3 transactions made earlier in the week to ensure more overdraft fees are charged to the account. Why is this company still allowed to XXXX over customers repeatedly? 
What is the point of the CFPB if it takes a citizen realizing what this shady company has been doing for probably 20 years now. Are you guys getting a kickback from Wells Fargo not to pursue them for unethical and illegal business practices? Why does my tax money go to programs like the CFPB, who don't protect American Citizens, but cost us more money??
In XX/XX/XXXX, I received from XXXX savings bank  a XXXX, cancellation of debt form, for {$3500.00}, which I filed with this year 's tax return and it was reported as income. XXXX savings bank   is still reporting to the credit bureaus that I have a balance of {$3500.00}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with Equifax, XXXX, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX savings bank credit card account as having a {$0.00} balance and as being paid. My problem is with Equifax, XXXX, and XXXX savings bank. Equifax and XXXX wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$3500.00} to the IRS as income, they are still reporting it as the balance I owe them.
Starting this past XXXX a company called XXXX started charging fraudulent purchases on my Bank of America Visa card. I called BofA, got credit for the fraudulent charges and a new credit card. 

With someone at BofA, I spoke with someone at XXXX  in the XXXX at least three times. They were useless, saying that I didn't have an account with them. Indeed, that's the point. They were singularly uncommunicative about where these repeated charges came from. 

In spite of the new credit card, the same company charged more fraudulent charges on my XXXX bill. How the company got the new credit card number remains a mystery, except for XXXX claiming they have a policy of informing recurrent charging merchants the new cc number. This is insane ; the whole point of a new card is to vitiate such fraudulent charges. 

BofA also claimed to have put a block on XXXX. They've claimed this each month that we've " dealt '' with this issue. To no avail. 

But to no avail. Please see the attached set of statements from XX/XX/XXXX to XX/XX/XXXX, showing recurrent frauds every month, in spite of 5 CCs in four months ( the most recent two CCs I didn't even activate.
This is a GAP VISA. I do n't owe them anything. I never opened it.
I have  XXXX  collection accounts on my Transunion reports that keep getting closed and deleted then either a week or month later reopened.  XXXX  of the collections is  XXXX   XXXX   XXXX   XXXX  and the other is   XXXX    XXXX . I have screenshot proof as to when these items closed and when they reported back as opened. According to  US code 1681i- FCRA 611 ( a ) ( 5 ) ( b ) ( ii ) Notice to consumer : If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later then 5 business days after the reinsertion or, if authorized by the  consumer for that purpose, by any other means available to the agency! Not once was I notified in writing that these account were going to be reinserted.
Dear CFPB, I have communicated with you before on another similar matter and had a very informative discussion with XXXX of your advisors. The complaint this time is specifically against Equifax which is something I do not enjoy doing. More than 45 days ago I sent original copies from my XXXX and XXXX credit reports to Equifax about a XXXX Bank account which does not belong on my credit report and was removed by the other credit agencies after a very detailed investigation. However, Equifax has not acted on this and also has not responded to my letters and information which specifically requested a timely response under the FCRA due to implications for my job applications requiring top secret clearance. My feeling is they are severly under staffed but in the end they must comply with FCRA investigation timelines and actually process the consumer complaint. They have not sent me a free complete copy of the Equifax file with updated information as I had also requested in my letter do to identity theft issues which they have already know about for 7 months. I have recently spent a fortune on signing up with XXXX different credit monitoring agencies in order to be able to pull full reports from all three bureaus at 7 day intervals due to the importance of this. This is driving me crazy since I have done everything legally required with no professional response from Equifax.
I have sent three certified letters to Equifax,  XXXX , and  XXXX  informing them that there are accounts reported on my credit file that belong to a person with a different name. Somehow my credit file got merged with someone with the last name  XXXX . My last name is and has always been  XXXX . I have called every week to all  XXXX  agencies and have removed  XXXX  addresses,  XXXX  phone numbers,  XXXX  social security variations and several employment references that were not mine. There were  XXXX  collection accounts reporting that belong to someone else and also a public record. There are student loans, accounts from  XXXX   XXXX   XXXX ,  XXXX   XXXX   ( w ho does not have a license to collect debts in N Y )  and  XXXX  which belong to another person. I have demanded that all these accounts be removed from my credit file immediately and the credit bureaus are not conducting independent investigations and are not removing these inquiries and accounts that are not mine.   How can a debt be verified as mine and it is not even my name nor referenced to my identifying info like my address? I have been diligently working on this sinc e  XX/XX/XXXX .      Equifax is refusing to remove the name  XXXX  from my credit files and has my real name listed as an alternative name. I have sent them a copy of my driver license, birth certificate and social security card proving that my last name is  XXXX  and I have asked them to remove  XXXX  and any references to that name and accounts under that name from my credit file and they have refused to do so. This has been ongoing fo r five mo nths and I am at a loss as to what to do. I have disputed these erroneous reports and information and they just do not care.
I recieved a letter from " Allied Internetional Credit Corp., ( US ) '' today ( XX/XX/2018 ) claiming they are trying to collect a debt of {$530.00} from XXXX. I have not used XXXX in approximately 6 years.