WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint against the Fraud Department and Special Needs of Equifax in XXXX and English, I am a victim of identity theft for more than two of us, and they have many reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, made fraudulent reports the XXXX  fraud department. They are affirmed that this report is false. The accounts I am disputing are seven ( 7 ) and one of them Equifax is reporting double is XXXX/XXXX # XXXX for an amount of {$16000.00}, and the other is from another account # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX. And the following inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These accounts do not belong they were not opened by me and this is why I go to the Consumer Finance bure so that you are witnesses that the department of fraud of Equifax in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to XXXX. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police  department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who is right. I feel humiliated by the Department of Special Needs that manage my credit becauseI have sent via upload through the email which they send to me after I have talked to them. I comply with everything asked of me and even then they dont remove the accounts even with a police report and according to law which they are supposed to remove within 5 days.
Hi, I have noticed on my credit score report that I have a debt under collections from a COMMONWealth Financial Systems. I have tried to contact the organization in regards to my bill that was first charged for {$170.00}. However, after seeing my credit score report it says I own {$510.00} and I have not received any letter saying why am I being charge for, who is the provider, and why I have not received any letter notification. After speaking with several representatives at Commonweath Financial System, I have been treated very rudely, unprofessional, discriminatory ( due to my english being 2nd language/the debt collector was correcting my grammar in offensive way etc. ). I have tried to understand why am I being charge the amount, and why the amount has changed. The reply from the debt collector named Mr. XXXX said : " it is a XXXX bill, you can pay me {$350.00} and we will settle with that ''. Constantly, ignoring my questions and ignoring to further explain what is going on. I asked Mr. XXXX : " This means you are requesting my credit card number right now, with all my personal information without giving me any explanation or written form? ", Mr. XXXX, replied " Yes ''. I am afraid and confused on what is going on, yet I can not get any explanation. 
If this bill proves to be mine and accurate, I will do the best of my ability to take care of it. Please, provide me with an advice, suggestion, anything that can help remove this confusion. 
Thank you very much!
I have disputed Student loan late payments with Equifax MULTIPLE times over the last few months. Each time they come back with the same generic, 'verified ' response and change around different payment amounts and dates. However, XXXX XXXX, XXXX, they successfully removed all late payments on all four XXXX accounts. I was pleased as I thought they had finally gotten it right for once. Unfortunately, I was wrong, as they added all previously deleted late payments back on only ONE of the accounts.Which as you know is impossible for only one of the accounts to have late payments as they are all connected. I am well aware of the FCRA law ( section 611 a,5, ii ) that states that anytime a consumer reporting agency reinserts a previously deleted item from a consumers report, they must notify that consumer within 5 days of reinsertion. I patiently waited the five days for them to provide me the information they were legally obligated to, which never came. I then mailed them a letter stating all the information regarding the reinsertion, and stated the law supporting my claims and that I requested immediate removal of this account information. To date ( XXXX XXXX ) I have not been contacted by anyone or been able to get this matter resolved. I then awoke this morning to see that they have yet again added all previously deleted late payments back to the remaining three accounts. This is a clear violation of FCRA law forbiding the bureaus to reinsert this information without proper written notification to me. Not only have they reinserted the information, but the info they added back does not even match the other accounts. EVERYTHING should be the exact same on these accounts. That in itself is a violation because it proves that they are reporting unvalidated incorrect information.
Lending Club approved my {$15000.00} loan. On XXXX/XXXX/16, only {$14000.00} was deposited to my bank account. When I inquired on XXXX/XXXX/16, Lending Club noted that there is a {$900.00} origination fee and I only had 72 hours to cancel the transaction from XXXX/XXXX/16. I was advised that the only option was to pay the full {$15000.00} plus interest. I ended the call. 

Today, XXXX/XXXX/16, I spoke with XXXX, a supervisor from the payment department, requesting an early payment ( I never used the {$14000.00} and needed time to come up with the additional {$900.00} to close the account ). I explained that only {$14000.00} was deposited, and now I owe {$15000.00} ( {$900.00} origination + {$320.00} interest ). I wanted some relief, however, she could not reverse the fees or offer some help. 

From a consumer standpoint, I strongly believe this is unfair and abusing lending practice, especially since I wanted to return the money after discovering this sham. The website makes it easy to take a loan, but puts the details in " fine print '' making it a financial hardship for consumers to repay once we hit " accept ''. I still have the {$14000.00} in the bank and not have to cought up $ XXXX for a transaction that I wanted cancelled.
my account is showing that it was several months late, but I was unable to fix the problem because they were sending the paperwork to the wrong address. I have since XXXX given them my address and have bought the the account current. I believe the mixup came from me getting a divorce and them sending the paperwork to my ex-wifes address.
On  XXXX   XXXX  I applied via phone for the Merrill Lynch Visa signature Card from Bank of America. I was told that I would receive a decision wi thin 7-10 days  by the phone representative and that I could check the status online.     Withi n two da ys the status online changed from pending to the following : " Congratulations, your credit card application has been approved! You will receive your credit card  within 7-10 days and the Welcome Package within 10 to 14  days at the address you provided. '' I also received a later within 5 days stating the same thing including a comment about having a {$5000.00} credit limit.     On  XXXX   XXXX  I received a letter stating the following : " We initially communicated to you that we approved your application ... After further review ... we 've determined that we 're unable to approve your request because you have a sufficient number of accounts with us '' I checked the website - which still indicates that I 've been approved. I called in to review the situation. I voiced my displeasure of being misled by Bank of America. I have had a checking account with the bank for over a year used appropriately. I have  XXXX  credit card accounts open with a total credit limit of {$13000.00}. I offered to move credit limit from my existing accounts or close an account period. The bank seems unwilling to do anything even though my resolution would address the specific denial reason/risk they identified.
I started XXXX College of XXXX in XX/XX/XXXX and XXXX   XX/XX/XXXX For an XXXX XXXX I'm repaying over {$50000.00}. I believe I was charged way to much for this type of degree. I can't afford the IBR, they are asking for and i have been locked in under XXXX XXXX for 25 plus years
I have reached out to Equifax about my credit report and the inaccurate information. There were a decrease in one of my accounts and the score went down instead of up. I 've opened a new account a loan to help build my credit and no score increase. This breach have really affected me and my ability to purchase a home. They are not reporting accuracies.
JPM Chase dispute process is overly cumbersome. I filed a dispute on a double billing from a merchant. Chase received incorrect information from the merchant and closed the dispute. Chase would not take verbal information over the phone to reopen the dispute. They required that I submit the request in writing and provide to a Chase branch. After doing this, two weeks later was told that the request to reopen the dispute is sent to a " senior dispute team '' and I am unable to call them directly. I have no way of speaking with this special dispute team until they decide it is appropriate to contact me. Meanwhile, the disputed charge was put back on my account and is being billed. Chase makes this process so cumbersome and difficult and provides no way to communicate with the special senior dispute team. The Chase associate that I dealt with was XXXX XXXX. ARN number XXXX.
On XXXX XXXX, XXXX I submitted a repeal letter for the denial of my loan modification. I was denied again because I was unable to submit the documents due to slow respond from my medical provider. I was told to reapply. I have not received loan modification form for the requested loan modification as I was told I needed to submit new forms. 

I was also that by XXXX my representative that the foreclosure date had been extended until XXXX XXXX. I asked for a letter confirming this and have not received one yet. This is very upsetting and disturbing for me.
This bank is not allowing me to pay my car payment. There are many issues please see below:1 XXXX Made my first payment with a check and sent in the stub to set up automatic payment. they never set up automatic payment. And are refusing to set it up now. 

2 XXXX They never contacted me to tell me my payment was late, I have to reach out to them. 
The first time I was on hold, I waited for at least XXXX minutes for an associate to answer. When he answered he refused to take a payment or assist in anyway. His name was XXXX. When I asked to speak to a manger he kept me on hold for an additional XXXX mins. Then said he could not waive the {$15.00} dollar pay by phone fee, when I told him I did n't want to make a payment through the automated system he said there was nothing he could do. I eventually decided he was going to do nothing for me and attempted to make a payment online3 ) when I attempted to make a payment online they would not let me make a payment without verifying my pay from account. I tried and the verification did not work. I think it is a bit ridiculous to make a person jump through this many hoops just to make a payment. 

It seems and little unfair and abusive of them to do this to customers who just want to pay and set up an automatic payment. It seemed to me like they want customers to pay late and not set up automatic payments. I always pay my bills and put them on auto pay and have not had problems with other financial institutions. I was forced by the car company to use this bank and am very dissatisfied with the service. 

On XXXX XXXX, 2015 I called and spoke with associate XXXX in their bill pay department. He was unable to fix the " Bill Pay '' because it had locked. So he got me in contact with XXXX who works for Bank of America auto loan department. She gladly took my payment with no problem or fee, she also opened a payment dispute and request to get my automatic payments set up. However, I have no confirmation this was actually done. She said it will be investigated which could take up to 10 business days and then I will receive a letter. This would make my payment late again. 

I do not think it is fair I am being penalized, when the original error occurred at BOA not setting up my automatic payments. I did my due diligence in trying to make payments. Additionally, this hurts my loan amount. With the way amortization works on car loans it was taken out at varying cycles which causes interest to be paid out differently and essentially not lower my principal as much. They are costing me money in interest for the ineptitude at taking a payment from a customer wanting to make payments on time each month. 

Please stop these unfair and abusive practices and require them to set up automatic payments when it is an option on their billing statements. I think this is a violation of UDAAP, FCBA, and possible TILA. Since it is not disclose how difficult they make it to make a payment. Thank you for your time.
I had originally filed a complaint in XXXX of last year, complaint number XXXX. I did not know that I would not be able to challenge all of the information I received back and when I spoke to a CFPB rep they informed me that I could fax in my new information, which I did on XXXX however, I have not seen anything on this yet so I decided to open a new XXXX. The response from my original complaint brought up additional questions and that is why I am opening this one. Fenton & McGarvey state that my pre-judgement interest was in the amount of {$17000.00} however, in XXXX 2007 my pre-judgement interest was only {$900.00}. I have asked for an explanation of this discrepancy and have yet to receive a response. I would like a breakdown of these charges and not just a lump sum. This is what I have been asking for all along.
My home I have owned for 13 years is set to be auctioned by Select Portfolio Servicing on XX/XX/XXXX. I live in the home with my adult daughter and we can afford a fair mortgage payment so this situation is avoidable. We actually were offered a modification by Select Portfolio Servicing and made our payments for six months. We then received paperwork that we were approved for a permanent modification, however, the loan balance increased significantly and the payment was also much higher than the original modification. We could not figure out how they came up with these numbers based on our income. We were not able to afford that payment and had to decline the offer. We asked why we had not been considered for any of the new GSE programs available to homeowners with conventional loans backed by XXXX XXXX and XXXX XXXX but could not get any answers. We then hired a law firm to help us and once again, we eventually received an offer, but this new payment was close to 80 % of our monthly income and not affordable. We tried to get answers as to how this was calculated and what programs we had been reviewed for but could make no progress. 

This loan was originated by XXXX back in XX/XX/XXXX. I wanted to lower my rate and payment and had to trust XXXX because I spoke little English at that time ( was primarily XXXX speaker ). There were many things that seemed odd and rushed about the loan process ( I have a lot of questions about the appraisal and value ) and based on what XXXX did to inflate values and peddle predatory loans this all made sense. 

I paid as agreed on this loan for nearly 10 years. I work as a XXXX XXXX to XXXX XXXX and my adult daughter also lives with me and contributes 100 % of her income toward the household expenses. Due to some health and employment gap issues we fell behind in XX/XX/XXXX. Around that same time our loan was transferred from XXXX XXXX XXXX to Select Portfolio Servicing. We got all of our financial information together and submitted it to them and were given a fair and reasonable trial modification. I made 6 payments on the trial modification as agreed but when I received the final permanent modification documents the balance of the loan had been significantly increased as well as the monthly payment which was close to half of our monthly income. We were not able to afford this payment and had to engage a law firm to assist us. They sent in another application and we were once again approved but this time the payment was even higher than before. 

We have since tried to engage with SPS to find out how and why they came up with these calculations and also find out what programs we were considered for. I don't believe that we were considered for any of the new GSE programs that were established to help homeowners. Instead of getting answers we are being denied information and denied access to a review of our current and correct financial circumstances. We are facing a sale date on XX/XX/XXXX.
While XXXX I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed
Company called myself and wife stating that they were coming with a sheriff if I did not rectify the issue. Misrepresenting themselves as from the County that I live in.
I'm the seller of the property during the closing procedures everything seemed to be ok and go to go for closing on XX/XX/2018. Later on the loan office XXXX XXXX from XXXX XXXX XXXX requested to have an extension until XX/XX/2018. XXXX XXXX said he was waiting for a paystub from the buyer. Later on I was told that the buyer needed to come up with an additional XXXX for closing since his debt to income ratio was at 58 %. It seems to me that XXXX XXXX delayed on the process of entering the loan into the system causing a bunch of issues, since I have already entered a contract to purchase other property with the proceeds of my primary property. XXXX XXXX till this day is still requesting documents from the buyer that should have been asked for during the start of the loan. This puts me at a hardship since XXXX XXXX made it seemed like the loan would close on the XX/XX/2018. XXXX XXXX also requested for me the seller to give the buyer XXXX in order to close. Something doesn't seem right with XXXX XXXX XXXX.
I was enrolled in paperless billing for my Citibank card. I regularly have to de-select paperless billing from the moment that I log in to my account. It seems like this happens every time I log into my account. I use my paper bills to help me track when things are due. I missed my XXXX payment inadvertently because I did not receive a paper statement. I never did enroll in paperless billing. This caused me to incur a {$35.00} late payment fee. I did not make the XXXX payment on time either because I did not receive a paper bill. This put me having a 30 day late payment on my credit report and incurring another {$35.00} late payment fee. I made a {$130.00} payment on XX/XX/XXXX. I could not find online where I was enrolled in paperless billing. I thought I must have accidentally thrown away the statements. I have now missed my XX/XX/XXXX payment. I made it today on XX/XX/XXXX and realized I had missed it because I received a phone call from a number that registered to Citibank. I now will incur another {$35.00} late fee. I did finally find on the website in my account where I was showed to be enrolled in paperless billing and I have now changed it back to paper by mail. I feel that I never made the selection to change to paperless and have now incurred three {$35.00} late payment fees and a hit to my credit report.
the account number from wells fargo does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from XXXX  and XXXX and XXXX thank you
On XX/XX/2018 I sent two transactions using an app payment method ( XXXX ), on for {$20.00} and the second for {$200.00}, I was buying tickets from someone for a total of {$430.00} and was told I can pay the rest of the money once I received the ticket. On XX/XX/2018 I further ask information about the tickets and the person selling the tickets blocks me. Then through the app I " request '' a total of {$220.00} back from the scammer, I request it on XX/XX/2018 and get declined twice. I also called my bank to dispute the transaction and they tell me they are unable to do so. This is someone I trusted and was acquaintances with, so I was given no reason not to trust them. I then looked them up on social media and was also blocked from all of their accounts, however I saw this happened to another woman by the same guy and i have been in contact with her as well.
N.E.S. is a collection agency that has been contracted by XXXX to service a debt. This company has accessed my credit report for private information recently, as demonstrated by the attached document reflecting my XXXX report. I have never been contacted by this agency, however, they recently made several attempts to contact my family from various local phone numbers. In addition to this deceptive and harassing behavior, they called asking specifically for my father XXXX XXXX to discuss private financial information related to my private XXXX student loan. My father is not a cosigner on any of the loans currently serviced by XXXX or its collection agents. NES disclosed the amount of the loan and demanded payment from my father. NES has accessed private information to harass and persuade a payment for loans that have been in default for more than 4 years and were previously serviced by an agency of XXXX that were issued a ( formal ) legal cease and desist by my family. NES and XXXX have blatantly violated the FDCPA by contacting and harassing family members discussing private financial information in attempt to collect a debt.
Bank of America Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with bank of america.

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but bank of america is not responding at all.