WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted my dispute to Equifax and they stated they would not investigate it. I then get a letter requesting information I had provided previously. They still have yet to initiate the dispute which was submitted on XXXX XXXX. It has now been XXXX days they have only XXXX left to complete the dispute.
I have an account with XXXX XXXX XXXX. I could not remember my password and was locked out. I reset password a couple weeks back. Upon going to website today, my password and username did not work, and the system stated I was locked out. In order to unlock, the system needed to verify that I was the account holder. I believe it asked for the account number and/or name. It also required my birth date and my entire social security number. I became suspicious as most times I am only asked for last 4 digits. I can even go with last 5 digits. When I contacted Saks, they stated that's how the site verifies. However, when speaking to someone in their technical support department, they only needed my last 4 digits and she asked some public record questions to unlock the account. I stated I was not comfortable giving anyone my entire SS #. I asked that she have them look into changing how they verify an account online using only the last 4 digits. I explained why the way they are currently verifying can be cause for caution. I would appreciate someone contacting XXXX regarding the way they are verifying information because, for example, if I am aware XXXX verifies by asking for entire SS # and a scammer have hi-jacked their website leading me to believe I am on their website, putting in my birthdate and entire SS # could set up for identity theft. I feel they are not protecting the consumer to the fullest degree. 

Thank you,
I received a letter or garnishment served on my employer for an old account. They have been garnishing my check ever since. XX/XX/XXXX the last payment was taken from my check showing the garnishment was paid in full. Monday XX/XX/XXXX the same company emptied my checking & savings account of {$720.00}. I called and couldn't get anyone to talk to me. So I went thru the provider line and got someone that way. I explained what happened she said that her records indicate I still owe them {$200.00}. She said she would have an attorney look at it and let me know. But they are not responsible because they haven't received the last payment yet.
I had a citi Master card ending in XXXX. 
There were some automated payments from XXXX being deducted which I was not aware. I had asked them to change it Looks like it took affect after XX/XX/XXXX. 
Till XX/XX/XXXX Total XXXX charges were around {$75.00} Now Citi is asking me to pay {$220.00} because I am late on my payment for 3 months. 
This is roughly 3 times the amount I owe. Which is very unfair. 
Also Citi never bothered to inform me Other than sending emails which went into spam. 
The only time they contacted me via mail was the final collection notice.
I originated a Mortgage Loan with XXXX XXXX XXXX in XXXX XXXX, filed for Bankruptcy in XXXX XXXX, and the loan was discharged. The lien survived and was attached to the property. XXXX XXXX XXXX has been reporting inaccurately on my credit report, they are reporting Date Reported XXXX XXXX, this has to change to reflect the Bankruptcy Discharge of XXXX XXXX. I have attempted to resolve this issue for over a year and nothing has been changed. The inaccuracy has been effecting my credit and have not been able to obtain better credit offers.
this account with XXXX XXXX XXXXE account number XXXX Date Opened XXXX/XXXX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue
The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.
I have received notice from XXXX XXXX that experience has gotten thes collection notices but I have never received them.
When we opened an LL Bean Visa Card 15+ years ago. We did it in my wife 's name. I was an authorized user. The income to pay the bills came from my salary and I wrote the monthly checks to pay in full our monthly Visa charges. My wife died on XX/XX/XXXX. On XX/XX/XXXX I notified Barclaycard of her death and asked to have her name removed and mine listed on the account. They said that they could not do that and that I would have to open a new account, which they did. However when they did because the credit history was in my wife 's name, and I had no credit history they would have to lower my credit line from {$9000.00} to {$2500.00}. We had a private loan for our fully paid mortgage and the only other credit card we had was XXXX and that was for only a short time. Our excellent credit history was no longer credited to me. Recently I shared this situation with a friend who was a retired bank auditor and he said that is illegal. " Designation of Accounts-12CFR 1002.10 ( a ) A creditor that furnishes credit information to a consumer reporting agency must designate : *any new account to reflect the participation of both spouses if the applicant 's spouse is permitted to use or is contractually liable on the account. Recently Barclaycard has increased my credit limit. ( I pay my bills on time ) However I still have no credit history. That is not fair! and it is illegal.
I have tried to apply a mortgage loan and discover a fraudulent account in my credit report that I have never applied. I am a victim of identity theft and someone opened a fraudulent account ( XXXX XXXX XXXX XXXX and account no : XXXX ) without my permission or knowledge. I've filed an identity theft report and submitted this document to the credit reporting agencies : Experian, XXXX, and XXXX, and also XXXX XXXX XXXX asking to block and remove fraudulent account from my credit report. The credit reporting agencies removed XXXX XXXX XXXX XXXX account ( partial account no : XXXX ) from my credit report, but recently I have checked my credit history and I discovered that Experian reinserted the fraudulent account back to my credit. I have contacted with Experian but they refuse to help me to delete reinserted fraudulent account from my Experian credit report.
transunion and XXXX have three issues each.XXXX, XXXX, and XXXX XXXX ... report should read removed.
Select Portfolio Servicing keeps delaying the processing of my modification. I sent all requested paperwork to them. They call twice weekly saying the underwriters do not have it. I tell them I know you have it because I sent myself a copy. Then they find it and say it was mislabeled or it was n't sent to underwriters. Every time it sets processing the modification back another 5-7 business days. I spoke to a manager today who said that she was escalating the processing to UW. But I have been told this 3 weeks in a row. I was told I have until XX/XX/2016 before being referred for foreclosure.
I was fraudulently charged XXXX by a cosmetic internet dealer. Instead oftelling
telling me to return the merchandise BofA employees gave me "bounce"
protectection which added XXXX ISF charges. A week later the
same thing occurred again and when I noticed the XXXX overdraft and
went to the bank. No help was forthcoming. I returned four more times.
Same result. On the 6th visit I was given a busy phone line which no one ever
answered. On the 7th visit I was given another "executive" complaint line
which no one answered. On the 8th visit I encountered a new face who
said "return the merchandise and we will try to fix things". Another intern
-net transaction occurred raising the total to around $900. Finally today I
was told nothing could be done and to pay XXXX and cancel the card.
I told the bank 'executive' I would rather go to court and tomorrow morn-
ing I will be talking to a lawyer about it.  What advise do you have?
XXXX 

 
the bank to inquire as to what had happened. I was not helped at all and
returned 5 more times.
XXXX visits
I sent a Goodwill letter to Capital One explaining the severe financial hardship that I experienced which resulted in late and missed payments.  At the time of the late payments, I was going through very serious financial issues.  I have a young child, a full-time job, was in school, and my husband and I were going through difficulties.  To be honest, we still are.  A lot of the difficulties stem from financial hardships.  I say that not to justify why the payments were late because honestly, I was wrong and I know that I was wrong.  However, I would like to show that the late payments are not a good indicator of my actual credit worthiness.  Capital One refused to remove the late payments despite my exceptional credit prior to the hardship.
I had an auto loan through Fifth Third bank and was sent payment booklets. The final payment from the booklets was paid, thinking that my car was paid off and I could obtain my title. When doing so, the bank teller then informed me that there was an additional $ 500+ owed before it was completely paid off ; she could not indicate what exactly the extra money was owed for. I called the customer service center and they could n't provide any information as to why I was being billed more than what the payment booklets indicated. I have an issue because there was never any letterletter, notice anything that indicated that the payment booklets would not complete the payments for the car. There were no late payments, missed payments or anything of that nature ; I actually paid ahead at a point in time and was ahead of schedule. This is a major issue because had I known this I could have sought refinancing through other lenders
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with his information that resulted in an inquiry XX/XX/2018 that he did not authorize with TD Bank/Nordstrom. He contacted TD Bank/Nordstrom of this issue when it occurred and was told the inquiry would not be reported however upon review of the credit report the inquiry was found. An official dispute of this item was mailed to TD Bank/Nordstrom XX/XX/2018 ; as of this date TD Bank/Norstrom has failed to reply as in their obligation under FCRA. This is a violation of my client 's consumer rights.
XXXX  XXXX XXXX XXXX has sent an inaccurate debt to be collected by GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX Creditor opened collection XX/XX/XXXX As of today XX/XX/XXXX amount showing owed on credit report varies between {$840.00} and {$1200.00}.

I had paid my insurance co-pay of {$250.00} at the time of service for a procedure and was told no other amounts would be billed.

I have no income and have been diagnosed with XXXX  due to several sudden hardships that have occurred since XX/XX/XXXX.
My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. 
Ally financial will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.
I sent a complaint to your agency over 3 years ago about the wrongful foreclosure of my father 's property in  XXXX    XXXX   by Ocwen mortgage, failed to hear anything from your agency. This was our family home for over 50 years. My father was in my care as he had developed an illness that prevented him from caring for himself. He lost this home in a foreclosure that was unjust. Payments that were not credited, no information when the loan was sold to Ocwen. Please let me hear something in this matter. We provided you loan numbers and lenders, dates etc. in the original complaint. His name is  XXXX   XXXX   XXXX , the property location was  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . This was traumatic for my Dad and then not to hear anything on the complaint for over 3 years is very troubling.
The interest rate is 769.31 % so pennies are going to my loan of {$750.00} whereas they are charging over {$220.00} every two weeks in finance charges. I'm drowning. The total amount to be repaid on a {$750.00} loan will be over {$5000.00} please help. Their website says they allow credit card payments but when you call they say they can not accept them. I'm not even sure if they can legally charge such a high interest rate to a resident of the state of Oregon. Are you able to check if they are a valid tribal company or if the interest amount is legal?
Chase Auto Loan reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought Chase was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from May-to no avail. Now I have a late paymentmark ( the only one I have on my all my reports ) due to Chase being unethical and allowing their  representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.
On or around XX/XX/XXXX timeframe I received through the mail a promotion from XXXXXXXX XXXX  XXXX XXXX were I could choose some magazine subscriptions in exchange for unused miles about to expire from air travel companies, which I mailed back with some choices. 

Over a month later I've got a call from a person from this same company requesting to update credit card information from my husband 's credit card that somehow they had with them. They also made questions over and over trying to confuse me and make me agree to choices I didn't want to make about subscription length. Every time I answered no to a question they would restart all the questionnaire saying I couldn ' t make that choice and using questionable sales tactics and trying to force me to agree to their preferences. 

In XX/XX/XXXX they sent a letter confirming subscription to 5 magazines for 4 years, which I never intended to make with a charge of {$39.00} a month for 30 months for a total of {$1100.00}. 

They charged {$39.00} to my husband 's credit card in XXXX and XXXX but never sent any magazines and we didn't authorized any charges because it was supposed to be in exchange for unused miles. 

On XX/XX/XXXX we received a letter from this company requesting payment because that credit card they had on file was cancelled. 
I replied on XX/XX/XXXX that I wasn't interested in their magazine subscription since they never sent the magazines, and they had charged the credit card unduly and that I wanted all the subscriptions cancelled. 

On XX/XX/XXXX we started receiving and returning to sender the first and all subsequent magazines sent to my address by this company. Nevertheless, they continued sending magazines through XX/XX/XXXX, all of them returned to sender and then they stopped. 

In XXXX I started receiving phone calls from this company trying to collect a debt of {$1100.00}, which I refused to pay since I never agreed to it. 
Subsequently, collecting agencies have been calling for this same issue. 

On XX/XX/XXXX received a letter from Interstate Recovery service, dated XX/XX/XXXX stating the debt was assigned to them for collection, which I'm still disputing as invalid.
Dear CFPB, I am reporting an issue with Equifax that concerns fraudulent credit inquiries on my report. 

At some point in early XXXX 2016 or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Equifax in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : Equifax : ( i ) XXXX XXXX XXXX - XXXX XXXX, 2016 ( ii ) XXXX BANK XXXX C - XXXX XXXX, 2016 Equifax has sent me the " results '' of its investigation and stated I need to contact the creditors. Well I have contacted the creditors and they said they contacted Equifax! It seems they will send me in an endless loop! Please see attached document for details of the inquiries from my Equifax Credit Report.
Wells Fargo had opened and activated a credit card, attached it to XXXX checking account as overdraft protection, and issued XXXX cash advances along with transfer fees, overdraft fees, and of course interest. I had made XXXX transfer of funds from one account to another where I pay my bills. These XXXX different transfers were backed out and cash advances were then issued on a credit card that was attached to my account without my knowledge or permission. I still receive paper bills for any credit cards I have and when I received the Wells Fargo credit card bill, I thought I was a victim of ID fraud. I called the credit card group and they made me feel that I was breaking the law. Little did I know they were trying to steal my money! This occurred within the last 90 days.
Please see enclosed letter to Army/Air Force Exchange dated XXXX XXXX, XXXX. 

I have never been in the Army or Air Force.
I submitted online disputes and im supposed to recieve a corrected copy but when I request my report from all three credit monitoring services im told i already recieved my annual report and i have not recieved anything to date
After having a substantial relationship wit h PNC B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I  had one issue with  a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
XXXX XXXX OUR LOAN OFFICER MOVED FROM ONE TRUST HOME LOANS IN XXXX TN TO SUPREME LENDING IN XXXX TN AND TOOK OUR LOAN WITH HER BUT DID NOT LET US KNOW SHE WAS SWITCHING COMPANIES. SHE DID NOT HAVE OUR CONCENT TO TAKE OUR LOAN WITH HER. SHE HAS BEEN UNPROFESSIONAL AND UNETICAL WITH NUMEROUS THINGS. SHE HAS GIVEN PERSONAL INFORMATION TO THE PREVIOUS RENTER OF THE HOME THAT HE COULD ONLY KNOW HAD SHE TOLD HIM. SHE HAS LIED TO US TELLING US THE HOME WOULD CLOSE IN 2 WEEKS FROM XXXX XXXX BUT AS OF TODAY XXXX XXXX, 2015 IT HAS NOT CLOSED. THE REASON FOR THAT SHE HAD TO START OVER WITH OUR LOAN BUT SHE TOLD US IT WAS JUST TRANSFERING. WE HAVE HAD LIE AFTER LIE.
I 've filed multiple requests for incorrect data from XXXX XXXX on my Experian credit report to be corrected or DELETED. This data is for the XXXX XXXX XXXX Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing XXXX XXXX ( see attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months XXXX XXXX has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and  ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!