WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter on behalf of TCF national bank from an attorneys office XXXX XXXX regarding Loan Number XXXX for property address XXXX XXXX XXXX XXXX IL. XXXX. They are stating that if I do not pay the alleged amount of XXXX. this includes their attorney fees that they will begin foreclosure proceedings on my home.I am disputing TCF Banks claim that I owe them XXXX for a credit line I never was aware of or used. I never authorized this credit line, I believe the representative at TCF bank fraudulently took this credit line out in my name. The first time I became aware of this fraud was when I went to do a reversal mortgage and the attorney I saw for the reverse mortgage brought it to my attention. In between my health issues, I have gone to TCF on countless occasions over the past couple of years asking them to provide me with an explanation of where this money came from as I never took this money out, I never spent this money. TCF can not provide me with any documentation of where this credit line was in fact used who used it or how it was spent. I have complained to TCF many times and reported this fraud to the branch managers at several locations and each time they could provide me with no proof. They have also sent me to other branch locations per their direction to try and find out a solution or documentation about this matter. I have followed TCFS instructions to go to each branch they asked me to and documented who I spoke to all they did was give me the run around. They can not provide me with a signature on the back of the check they say they gave to me which they did not. I am asking that you help me they committed fraud against me and took advantage of my health conditions at the time and now I may lose my home
In the past I have had hard inquiries on my cre dit from PayPal. I h ave never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all fro m syncb/ppextr. I looke d it up and it i s PayPal.   These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it  is PayPal again. I have not authorized anything for PayPal.
i have a list on 3 companies that are reporting the same debt on my credit report and its affecting my score. the companies are. Central Finance control, Syndicated office systems and XXXX. they all say I owe to XXXX
I have asked Central Financial Control to validate a collection they are reporting on my credit reports from XXXX/XXXX/15 to XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Synchrony Bank does financing for XXXX XXXX and other retailers. 
I applied for a 90 day XXXX XXXX  XXXX card for {$420.00} purchase XX/XX/XXXX. 

First Billing in XX/XX/XXXX showed a fee for {$7.00} I called the company on XX/XX/XXXX at XXXX XXXX to inquire. 

I was told the fee was for a credit card protection program I advised I did not enroll in any credit protection program I was told " You were approved at time of credit application and you had to opt out or physically decline the coverage in order to not be billed for it '' I believe that automatically enrolling consumers in any type of purchase program be it insurance or rewards or anything that incurs a fee is a violation of one or more types of consumer protection laws. 

E.G. Along the lines of XXXX XXXX issuing cards without consumer request I believe this company includes a fee based credit security program on all online credit applications and the onus is on the consumer to find it and deselect. The fees are small and the company hopes people are not paying attention and assume the fees are interest or other fees. 

The billing statement identifies the fees on page one as Credits, Fees, Adjustments ( net ) and this is not an obvious identifier to the average consumer. 

I am willing to bet that an inquiry into this companies most often complaints are the prepackaging of fee based products without explicit consumer approval. 


My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX The Bank is Synchrony Bank XXXX XXXX XXXX XXXX, Fl XXXX XXXX Note : My fees have been refunded but my inclination is to believe this company puts this product on every single credit application received in advance and hopes consumers wont notice. There is a clear pattern here from Consumer Finance companies in the XX/XX/XXXX and on. Please take a look.
STOLEN IDENTITY LEAD TO A BANK OF AMERICA ACCOUNT BEING OPENED AND USED UNDER MY NAME YET THEY DONT HAVE IT IN THE SYSTEM BUT ON ALL CREDIT REPORTS IT STILL SHOWS SOMEONES USING IT AND THE COMPANY REFUSES TO WORK WITH ME AT ALL.
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for supposed debt : Accounts Research , Inc. XXXX , TN XXXX RCVD call from XXXX XXXX , stated he was trying to conduct research and has returned mail for me. He wanted to confirm my address was the same as what was on the returned mail, I told him to just resend it to me as addressed. I asked him again who he was, since I have a large relation to XXXX 's, and he said he just had gotten some of my mail by mistake and wanted to make sure I got it since it was from my bank. No big deal. However, I felt weird after the call and did some research and found he is a collector for a company who changes it name often due to not following collection practices. They used to operate under XXXX XXXX XXXX. 

So, the big issue is that this account with XXXX XXXX had fraudulent activity and was closed. A lady from the fraud dept with XXXX XXXX called me, I believe in XX/XX/XXXX or XX/XX/XXXX,  and informed me the account had been locked due to activity. After reviewing the charges, they were determined fraudulent. The disputes were processed, and once processed, the account was to be closed with any remaining proceeds mailed to the addesss on file. I have not had any further correspondence from XXXX, so due to my own assumptions, I thought this matter was resolved. I have called and left a message for XXXX, in collections, with XXXX XXXX. I have since tried to communicate with the debt collector and that went nowhere. 

I will not resolve this debt with anyone other than the bank directly. XXXX XXXX lied, multiple times, when I asked who he was/with. Every time he represented himself as a provate citizen just trying to do the right thing.
XXXX XXXX XXXX XXXX reported negative items on my credit files and I don't recognize who's the client in wich they're reporting.
I am in XXXX XXXX for an account at Bank Of America. I closed that account with a XXXX balance. I am unable to open a bank account with other banking institutions because of this.
I received a letter from XXXX XXXX XXXX - in XXXX Texas stating I owed a debt for an apt complex. The account was in another name the year before and it was taken off all credit reports. Account seems to have been bought and back on my credit reports- when I sent a letter demanding the original debt proof etc the letter was returned to me unable to deliver- The address on my credit report and the letter it is the same but yet no contact since then but they have managed to have my credit score go down over 45 points for no good reason.
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report
Equifax mishandled my information, as well as the information of millions of others. I am listed as a potential victim according to XXXX.
This fake agency claiming to be a collection agency. Theyre telling me I owed money to XXXX XXXX XXXX and they keep reporting to credit bureau. There are many complaints against Credence Resource Management and XXXX   supposedly had nothing to do with them.
In receipt of the last reported correspondence from Wells Fargo Home Mortgage and my calling today and speaking directly with XXXX XXXX / XXXX XXXX. The goal today was to inform Wells Fargo Home Mortgage of a deposit of {$300.00} to be applied with unapplied funds that sat in my mortgage account since my last deposits of {$1100.00}, {$490.00}, {$820.00} on XX/XX/XXXX. It is said that unapplied funds of {$540.00} also sat in my account since XX/XX/XXXX and has not been applied to my mortgage account. When speaking to XXXX XXXX she made mention that she would forward my correspondence to my point of contact, whom I requested not contact me by phone and also to assign a new point of contact directly by email to CFPB and the President and CEO of Wells Fargo. All correspondence will now take place via email, due to the unprofessionalism, combative, passive aggressive and lack of knowledge displayed by XXXX XXXX. As of today, I have received correspondence stating that the requests I made in previous correspondence be answered by XX/XX/XXXX. As we embark into a new year, my goal is to resolve any and all confusion caused by the lack of concern by untrained representatives. I again request knowledgeable, professional representatives whom will respect my wishes and concerns.
Each year I apply for an Income Driven Repayment Plan my request does not go through and it shows that I will have to pay a significantly higher amount per month. I then have to call and reapply for the payment plan I want to take effect. I was also put into forebearance this past year when I should not have been.
XX/XX/XXXX, I made a credit card payment to BOA. Then, my bank kept calling saying I had a negative balance and it involved paying BOA. I asked if BOA was finally paid. They said yes. I called BOA and confirmed this. BOA said yes, they were paid. Then, I went into my bank around XX/XX/XXXX, when it was, again, confirmed that BOA was paid. Today, I tried to make my monthly payment, and BOA said I was overdue, and never made a payment. I told them I will not be paying them until this issue is resolved. Also, in the beginning of the month when this credit issue started, I called the police and told them something was wrong with my banking.
After requesting my credit report I notice that several inquiries were made by ex wife and I would like for these inquiries and accounts to be removed from my report.I did not authorize XXXX XXXX to do this.At that time she had full access to everything. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Collection agency dont listen to me talk right over me and insist debt is mine ask them send proof of signing papers or copy of contract to verify signature never did get response The company is CBE Group and XXXX XXXX
I was improperly directed borrowers into forbearance when these borrowers otherwise might have qualified for income-driven repayment plans, and did not adequately keep borrowers in income-driven plans informed of deadlines to maintain their eligibility under such plans. I stated .working onXX/XX/XXXX-XX/XX/XXXXfor XXXX XXXX XXXX XXXX XXXX in XXXX , XXXX in the XXXX XXXX Division as a XXXX XXXX, I moved back to XXXX and gain employment with XXXX XXXX XXXX XXXX as a XXXX XXXX XXXX on XX/XX/XXXX-XX/XX/XXXX.  I am currently employed as a XXXX XXXX XXXX at XXXX XXXX XXXX from XX/XX/XXXX to date. If I had been advise currently I would have had at least 90 payments credited toward my loans. I work as a XXXX XXXX XXXXXXXX serving XXXX XXXX XXXX and XXXX XXXX. My salary has never been more than 34,000 per year with a family size of XXXX or more.
I SENT A CREDIT DISPUTE LETTER OUT FOR ALL THREE ACCOUNTS ASKING THEM TO PROVIDE A TRUE AND CERTIFIED COPY OF THE COMPLETE ADUIT TRAIL WITHIN 30 DAYS OF XX/XX/2018 AND HAV N'T HEARD ANYTHING BACK FROM THEM YET.
I have a enhanced recovery collection company trying to collect a debt. I do n't not owe since XX/XX/2013 and it 's been on my credit report for 4 years I try to call and get things straighten out but they could n't find a account that belongs to me. I no longer know what to do.
This letter is regarding account #  XXXX , which you claim I owe {$280.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( o r ever had  )  some contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX    ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; the refore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et  seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/>  XXXX   XXXX
Hello, My name is XXXX XXXX, On XXXX/XXXX/XXXX I called Discover customer Service and was told that my Credit Card was canceled. I had just made a payment of XXXX. I struggled to make payments back in XXXX due to a job loss. I was able to eventually get caught and have been making payments on time for about 2 years, my card available balance was not made available to me for about 2 years and also my card was restricted from my personal use, I was told this would only be for a short time. I feel that I was lied to so that discover could continue to receive payments from me. when I called on XXXX/XXXX/XXXX I was told a letter was sent out to me verify that my card had been canceled. I have never received a notice in the mail nor an e-mail or anything about this. I have also have been paying extra on my payments in the last year. I do n't think this is fare because closing this account will affect my credit. Discover advertise false advisement on how much their customers are important. Please help!!!!
Rushcard took my whole direct deposit from my account because of a system glitz they are having..i was told since the XXXX of XXXX that they working on getting my money back ..it is now XXXX..customer service wo n't help ... keep telling me it up to corporate office..i been treated so unfair for something that not my fault.i ca n't pay my rent ..im upset and dissatisfied with how they act like they dont carr..the sytem was suppose to have deposit my account twice but it didnt..but they took XXXX deposit out if my account..so ehen i got pay on the XXXX of XXXX account was in the negative..so they took XXXX of my XXXX check..now yhey gettinge the run around about my money..please help me get my money thank you
I contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

TransUnion and XXXX were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help me?
XXXX XXXX XXXX, I have tried time and time again to have a " Consumer Dispute '' removed from my Experian credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the XXXX of 2009. All of my documents were sent via registered mail return receipt. The following is my current information : XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX.
NAVIENT STUDENT LOAN DEBT. AS A STUDENT AT XXXX XXXX IN  XXXX FLORIDA. I DID NOT KNOW THAT A PRIVATE LOAN SHOULD NEVER BE AN OPTION, IF YOU COULD QUALIFY FOR A SUBSIDIZED OR NON-SUBSIZEDI LOAN. THEY REALY WERE UNINFORMATIVE OF THE RAMIFICATIONS THIS TYPE OF LOAN COULD PRESENT TO ME. THAT FORBEARANCE WAS REALLY NOT A HUGE OPTION WITH THESE TYPE OF LOANS. 

EVEN AS RECENT AT FRIDAY XX/XX/2019 EVEN THOUGH I HAVE TOLD THEM I DO NOT HAVE THE FUNDS TO PAY THAT HAVE INSISTED IN AN UNAFFORDABLE PAYMENT TO COME FROM ME.
I have Inquires on my credit report that i did not authorize and XXXX and equifax refuse to respond or adhere to the laws mandated
Re the Wells Fargo bogus account issues : I found my name on the " unclaimed money '' list. I had closed accounts at Wells Fargo some time before, and so far as I knew, got all my money. The money I got back through this apparently was from Wells Fargo. They had made no effort to contact me about this money, which should have been easy, since I have not moved. I suspect this was money that had been put in XXXX of the bogus accounts and then declared unclaimed. I suggest that there should be some outreach related to this issue so others who have or have had money at Wells Fargo check these lists in case this was a widespread practice. I think this should be part of your investigation ( or whoever is investigating Wells Fargo ), as I have not seen it mentioned anywhere.
I have repeatedly requested documentation for this alleged debt from LVNV Funding, but they do not respond. I do not have any record of this debt, although LVNV shows it as being from a period where my ability to manage my finances was reduced due to illness. I have offered to pay the full {$430.00} just to have it removed from my credit report, but LVNV does not respond to my offer. I am attempting to purchase a home and this entry by LVNV significantly impacts my credit score and my mortgage search.
In XXXX 2016, I closed my personal checking account with Chase Bank. I was told that my remaining balance would be mailed to my address. 60+ days later, I called customer service to see if Chase could issue me a new check since I figured the old check must have gotten lost in the mail. The representative informed me that there was nothing that they could do to cancel the previous check and reissue another one since they did not keep track of the original check number. When I asked why they did not record the check number, he told me that sometimes they do and sometimes they do n't. Unfortunately for me, they decided not to be so diligent in my situation. 

I then went to a nearby branch to see if someone could help me in person. At the branch I spent 20 min trying to get the manager to understand that I was still owed my remaining balance since I never received a check from the bank. He finally had me update my address and contact information and then he had me sign a notarized form. He then told me that I should have a new check sent to me within 2 weeks. 

4 weeks later, I still had not received a check. I went back to the same branch where I signed the notary and informed them that the check had not come. The manager checked my account and realized that there was an error in getting the check issued. I was at no point notified of the delay, nor did the man seem aware of the mistake until I went back to the office. After correcting the mistake, I was told that I should expect to receive the check 14 days from its issue, which was 2 days from XXXX XXXX. 

It is now XXXX XXXX and I still have not received a check containing my remaining balance. Every time I try to get an answer from someone, I am sent to somebody else. This process has been obscenely long, deceptive, and discouraging. Though I still have a savings account and credit card with Chase, I have very little incentive to continue using their products given this horrible experience.
I have 2 credit cards issued by Citibank, a Sears card and a Universal XXXX card that was originally issued by XXXX XXXX XXXX. I contacted Citibank 3 times on each card, attempting to close these account, both of which have a XXXX balance. They have yet to close these accounts, in fact I just received a " new '' card on the Sears account in the mail. It has become very frustrating trying to deal with this company - they intentionally hide links to close accounts and send consumers on a wild goose chase telling them they have to call a different number. I just got off the phone and this time they told me that the " new '' card I received today ( XXXX XXXX ) was sent to me on XXXX XXXX - 2 months in transit - I just can not swallow that. Citibank needs to be held accountable and when a consumer wishes to close an account, it should be easy to do so and completed in one call.