WillisBack/dataset-financial-user-claim huggingface dataset:
I previously submitted a complaint on  XXXX   XXXX ,   XXXX   ( ID #  XXXX  ) that went into detail about several items on my credit report that were  XXXX  years old, that appeared to hurting my  credit score t remendously (  XXXX  ) that I wanted to dispute and have removed from my credit report. As mention in that original complaint, I have never been through this process before and was told by SEVERAL people I trusted ( attorneys, friends who have been through this process, etc ) that I needed to contact the Consumer Financial Protection Bureau to help me with this process. It was my understanding that the Consumer Financial Protection Bureau ( CFPB ) was formed to represent US citizens, who wanted to dispute items on their credit report, when dealing with the  XXXX  Credit Report Companies (   XXXX  , Experian,  XXXX   ) , which I did. The end goal for me ( as mentioned in the original complaint ) was to dispute/remove numerous items from credit report, to increase it to a level where I can lease a new vehicle AS WELL AS help with other financial situations in the future.   To date, I have yet to receive a response from ANY of the creditors whose credit payment information I disputed such as  XXXX   XXXX  Bank,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX , etc. By law it appears that if these companies do n't respond to my complaint within 30 days, they have to remove their Credit Items from my Credit Report. Today marks the  XXXX  day since my dispute was filed with The CFPB. Today also marks the  XXXX  day after The CFPB responded saying that my complaints had been forwarded to all of the Creditors that listed Credit Items on my Credit Report.   Per my rights under the laws that set these required response timelines, I am filing this complaint and requesting that since NO RESPONSES have been sent to me, that the CFPB assist me with having ALL of these Credit Items removed from my Credit Report ASAP. It is my understanding that  sine  my complaint was properly documented and sent, based on the response I received from the CFPB on  XXXX   XXXX ,   XXXX  , there should be no reason this should n't happen ASAP. I am very happy I was made aware of The CFPB, so there is a " Fair and Legal '' middleman in place to help with this entire process ( starting with distributing the complaints and now helping me have all of these items removed from my Credit Report ). Thank you very much for all of your help!   In the event something is required of me to help speed up this removal process, my cell phone is on file ( I do n't want to list it herein per the instructions above telling me not to ). In the event nothing else is needed from me, I look forward to a response updating me on just how long this removal process will take. Due to the fact that I am running up against my lease maturity on my current vehicle and being forced to turn this car in and go lease a new  one  ASAP, I would greatly appreciate this removal process being expedited. Thank you again for everything you have and will do on my behalf!!!     JCT
Contract agreement was for {$180.00} per month for 45 months, however, Rise Credit began taking an unauthorized amount of {$360.00} per month. Upon contacting the company regarding this matter I was informed these details were not mentioned on the initial contract pages. I feel that I am a victim of predatorial lending practices. I want this company investigated and exposed for their fraudulent an unfair lending practices. I am a XXXX veteran and can not afford this type of ripoff.
When I pull my Equifax credit report from a credit monitoring site, I receive a report with XXXX trade lines. Contacted Equifax about this and they verified that I have XXXX files. Stated that they will merge the files. Dispute results state that they ca n't merge the files, and did not send me a copy of the other file. I have tried numerous times to pull my equifax report, even from myFico to check the score. The report with XXXX trade lines always comes up. I am unable to pull a report with my positive trade lines ( XXXX accounts ) and ca n't get a credit score for the report with the positive trade lines. I have no idea what is actually on the second report, which creates a problem with applying for credit. If I pull the report from the equifax dispute website, I alway 's get the report with only XXXX trade lines on it. As the consumer I do n't feel that I should have multiple reports. If there are multiple reports I should be able to access all reports, as I am paying a credit monitoring company to view these reports. As stated above although I know what should be on my credit reports. It is difficult to decide credit related decisions without actually seeing what is on the report, or what the credit score is. Thanks in advance for your assistance in this matter.
XXXX XXXX, 2017 Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected.
On XX/XX/18 Navient informed me and the CFPB that it received my annual renewal IBR application ( see exhibit smoking gun 1 ). Navient stated that it received my annual renewal IBR application and that the address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX THIS IS INCORRECT. Looking at my IBR application ( see exhibit smoking gun 2 ) it CLEARLY STATES MY CORRECT ADDRESS WHICH IS XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
My new IBR payments will begin next month in XXXX but I have not yet received information regarding my new payment amounts.
I was at the end of a chapter XXXX bankruptcy when my note was transferred from XXXX XXXX XXXX to BSI Financial Services on XXXX XXXX, XXXX. I was never informed of this transfer ( presumably due to the fact that the bankruptcy was not yet discharged on that date ) and continued to make payments to XXXX. In XXXX of XXXX I received my first piece of correspondence from BSI, a NOTICE OF DEFAULT AND INTENT TO ACCELERATE. BSI claims that when they took over the loan in XXXX, the account was already two months in arrears and they only have payment through XXXX XXXX, making it perfectly legal for them to claim default. Again, I never received any correspondence suggesting that I owed more than I was paying. Additionally, BSI claims that they sent all correspondence to me in a timely manner, only they sent it to the wrong address, so I never received anything from them, and they would have received the returned mail back at their offices. In fact, I still do n't have all of my statements from BSI, though I have requested them via numerous phone calls, letters, and emails. 
I contacted XXXX to get a payment history to prove to BSI that I had been making payments on time, every month, however, the XXXX representative that helped me stated that my account was closed and they could not access anything on my account except to tell me that BSI was my new servicer and I needed to deal with them. ( Meanwhile, the payment history that BSI was requesting that I acquire from XXXX as part of the proof they required was already in their possession, something they received from XXXX upon transfer of the note. ) I sent BSI all of the proof that I could get from my bank ( cancelled checks and transaction ID numbers for electronic transfers ), and they denied my proof as being valid and submitted a Notice of Trustee Sale to me in XXXX ( while I and my BSI loan officer and his supervisor were supposedly looking for a way to resolve this highly damaging clerical error ). 
BSI has added late fees, miscellaneous administrative fees, back payments ( which include payments for months that were already submitted to XXXX ) and attorney 's fees to the reinstatement amount, which is now in excess of {$13000.00}. In XXXX XXXX, exactly six months after BSI acquired the note, BSI returned my checks to me instead of accepting the payments toward my account - to date, they have only accepted funds for my account that were transferred over from XXXX, none from me directly. And if their payment history can be trusted as accurate, it also appears that BSI has misappropriated the funds that they did accept on behalf of my account. They were charging me for taxes and insurance through an escrow account, but they had never paid those bills - they just paid them last month, AFTER I brought it to their attention. 
I have a complete history ( with dates and outcomes ) of correspondence and phone calls to both XXXX and BSI that I would be happy to submit as well.
I 'm filing a complaint against my mortgage servicer Ocwen Loan Servicing ( OLS ), due to a multitude of violations to the U.S. bankruptcy code. This gross negligence is consistent with payment misapplication, post-petition payment disbursements received from the US Bankruptcy Trustee in case # XXXX.This neglect has resulted in my mortgage account being in sever delinquency and in danger of being foreclosed upon shortly. 
The problem began when my husband and i started falling behind on payments OLS, refused to modify the loan or offer any options in which to keep our home.. 
In order to avoid foreclosure in XX/XX/XXXX, my husband and I filed for chapter XXXX bankruptcy. This process was completed with and approved bankruptcy plan ( BK Plan ), which provided all of our creditors to be paid back as well as we could retain possession of our home. My husband paid bi-weekly payments in the amount of {$380.00} faithfully from XX/XX/XXXX through XX/XX/XXXX. The total amount paid into our BK Plan, was {$19000.00}. **SEE EXHIBIT A - XXXX BANKRUPTCY ( CLAIM REPORT ) DATED XX/XX/XXXX THRU XX/XX/XXXX Of this amount my BK claim report reflects that OLS was paid {$8300.00} in all. However OLS 's, accounting for our disbursements and payments applied during our active bankruptcy plan ; between the span of XX/XX/XXXX through XX/XX/XXXX total only {$5100.00} The OLS accounting only reflect 9 payments having been applied to my account as follows : {$830.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$260.00} -- XX/XX/XXXX {$850.00} -- XX/XX/XXXX {$570.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$420.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX Total {$5100.00} Furthermore, I feel there is money that is still unaccounted for and this needs to be fixed. This account should not be as far behind as it stands, which is currently 35 payments past due, with a substantially large outstanding balance of {$23.00}XXXX. 

My family is prepared to file a civil lawsuit in U.S. Federal court regarding creditor abuse if this matter is not cured at once. I demand that all foreclosure activity remain halted until this matter has received acceptable attention.
This person claiming to represent pioneer credit called both my children and discussed a debt that i supposedly owe this company. This loan is not only XXXX years old ... it was paid off with my XXXX insurance i took out on the loan
I had XXXX phone service for approximately 3 years without ever late. I call XXXX to cancel my service with them on XX/XX/17. When I called I ask the rep how much I need to pay to cancel my service. The rep ask me why I wanted to cancel the service and I explain that I experience a lot of drop calls and that's the reason why am moving my services. he then put me on hold and came back and said I need to pay two separate payment to cancel the service. I proceed to ask why do I need to make two separate payments. he then say that I have to pay the last bill and that they also bill me in advance. I when ahead a make the first payment for {$400.00} and the another for {$180.00}. I was told that was my final bill and I didn't owe anything else. Since I never receive a bill from XXXX or a call from XXXX to say I owe anything else. Low and behold about 2 week ago a collection agencies my the name Diversified a pairs on my credit report. I never was notify by this collection agency prior to placing this item on my credit report. I believe the law states that I should be notify in writing and and allow 30days to respond to the collection agency/creditor to whether I am disputing the item in question. Again neither XXXX nor Diversified never attempt to follow the law. I am request that this Item be remove from my credit report immediately.
I have graduated in 2010 and have struggle finding a career in my field for XXXX XXXX. I owe alittle above $ 40K in loans and I struggled for 8 years trying to figure a better system. Defer and Forb doesn't work in my favor. I have a XXXX XXXX XXXX for nothing when graduating. 

Interest occurs when trying to pay as much as I can. I get garnishment and it sucks not able to achieve living a life being poor.
My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, Freedom Mortgage is not reporting they have my Mortgage. It still reports as XXXX XXXX XXXX XXXX and Paid. 

My Credit score has dropped 100 points ( No outstanding Credit. ) I even have a letter from Freedom Mortgage stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with XXXX XXXX XXXX. 

I have contacted Freedom Mortgage over 11 times  since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE XXXX  even had my residence as one I had not lived at for 4 years.
Trying to collect a debt that they could not verify the debt. They sent me a credit card bill no signature on the verification letter. The dates are wrong on the debt the original creditor doesn't exist anymore. The debt is over 7 years old it shouldn't be in my credit reports. 
I sent all the documents to a attorney he told me it shouldn't be on my credit reports but it is. I contacted them numerous times and getting the run-around. 
Portfolio recovery services XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Debt Collector : Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Incident : XX/XX/XXXX I contacted Conserve on XX/XX/XXXX, upon receipt of a letter dated XX/XX/XXXX in reference to a student loan debt. I spoke with " XXXX '' and then later asked to speak with her supervisor and was transferred to " XXXX XXXX ''. I told her that I was calling to make payment arrangements to resolve the debt and to prevent further damage from my credit I told her that I am XXXX years old, a XXXX XXXX XXXX XXXX working a part time job earning just over minimum wage. I do not have any savings and as such, proposed a payment plan of {$25.00} per month. XXXX XXXX told me none of the details of my circumstance matter in that the minimum payment they will accept is {$50.00} per month. 

Then I asked to confirm that Conserve would agree to refrain from reporting any further delinquent notices to the credit agencies as long as I made each monthly payment on time as agreed until paid in full - she refused to agree.and told me " the only way '' she can tell me they will refrain from reporting me to the credit bureaus is IF I paid the total amount in full by XX/XX/XXXX. 

It is unfair and unethical business practice for Conserve to not attempt to work with me regarding the monthly payment amount, to threaten to report me to the credit bureaus if I do not pay the full amount by XX/XX/XXXX,  and to refuse to refrain from reporting me to the credit bureaus while I am in a repayment plan and in good standing. 

The original debt amount shows {$220.00}. 

Conserve is attempting to collect an additional " CREDITOR ASSESSED COLL COSTS '' in the amount of {$67.00} for a total of {$290.00}. 

Conserve is not licensed to collect said debt in the state of Florida.
Today, XX/XX/2018, I have been on this phone for 2 hours with Equifax. I have verified myself over and over and over. Equifax has placed a number of freezes that I did not request. This happened within the past 30 days because I was approved for a car loan with no problems. Now XXXX XXXX can not get into my account because of all of these different freezes that I did not authorize. Just three weeks ago, I got a car loan and no problems via Equifax report. Something happened and Equifax has tampered with my file without my permission.
Called before XXXX on XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). In addition, they are calling my cell phone using an auto dialer. In total, they have made XXXX auto dial calls.
On Tuesday, XXXX XXXX around XXXX I visited Suntrust Bank , XXXX XXXX XXXX XXXX, XXXX , GA XXXX. The purpose for this visit was to cash a check written to me personally. The check was drawn on the business account of my employer which is a Suntrust account. I do not have a personal account with this bank. Suntrust refused to honor the check unless I paid a fee. I believe this to be a violation of the intent of Section 6000, Subpart 229 ( Availability of Funds ) of the Federal Deposit Insurance Corporation guidelines as well as the guidelines of the Office of the Comptroller of the Currency of the U.S. Treasury Department, as the holder of the account ( issuer of the check ) is a customer of the bank.
Coinbase transfer XXXX/XXXX/XXXX for {$200.00} twice {$1.00} {$1.00} Total : {$410.00} XXXX/XXXX/XXXX I was trying to reach XXXX technical support by telephone about a XXXX charge of {$130.00}. The person on the phone took " virtual '' control of my computer. It was my fault for providing my bank information and debit card number. I realized shortly after that I had been scammed. Immediately I went in person to XXXX XXXX XXXX to dispute the charges. XXXX XXXX contacted me by email about these charges and initially provided me with " provisional credit. '' The XXXX XXXX XXXX Debit Dispute Department was unprofessional in the follow up contact with me. Initially I had contact with XXXX XXXX, a representative of the Debit Dispute Department via email. I was assured that most matters where  resolved within 90 days. XXXX/XXXX/XXXX I discovered that my ( new - changing debit cards after the scam ) debit card was declined at a local vendor Friday night, XXXX/XXXX/XXXX. I went to my nearest ATM to discover my account balance was negative {$380.00}. 

XXXX/XXXX/XXXX I received an unknown call on my XXXX from in XXXX, Texas at XXXX XXXX. I did not answer the call. The caller tried again at XXXX XXXX. and when I answered all I could hear was my voice echoing back. I hung up the phone. I found out Saturday, XXXX/XXXX/XXXX that XXXX XXXX XXXX had tried to reach me regarding the reversal of the " provisional credit. '' I received a written document that Saturday from XXXX XXXX from XXXX XXXX that is documented XXXX/XXXX/XXXX that the XXXX, Oklahoma XXXX XXXX XXXX  Monday, XXXX/XXXX/XXXX I took this issue and documents to the bank where my account was established in XXXX, Oklahoma. I was told in a meeting that Monday by the bank president, XXXX XXXX pointed that I " agreed to these charges. '' XXXX XXXX was demeaning and referred to my situation as a " little whoopsie. '' His only solution was that the bank meet me halfway and provide me with a refund of {$200.00} and that I was still be responsible for {$200.00}. When I requested 24 hours to think about this offer, I was told it would be taken off the table immediately. 

Since this episode with XXXX XXXX, I have moved my bank account to the XXXX XXXX XXXX in XXXX, Oklahoma. I have banked with this institution for over 20 years. I had no indication that I would be treated in such an unprofessional manner. I did not receive any mailed correspondence from the bank. The last email that I had received from the bank debit dispute department had been emailed XXXX/XXXX/XXXX from XXXX XXXX. 

It would cause great difficulty to move to another banking institution with my electronic pay from the XXXX of Oklahoma and with my electronic bills. I am still unsatisfied with the outcome of this situation. {$130.00} XXXX dispute with XXXX ( that was resolved and was refunded XXXX/XXXX/XXXX ) cost me over {$410.00}. 

I would appreciate if the scammer ( who is unknown to me ), XXXX, Coinbase and XXXX XXXX XXXX be made accountable.
I have disputed this problem several times with XXXX XXXX XXXX and the three credit bureaus over the past year with no results. I had two credit cards with XXXX  XXXX that I let get behind, but when my finances got better a few months later I called XXXX XXXX and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with XXXX XXXX that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off from my credit report.
I recently noticed a credit inquiry made to my report by Credco on XX/XX/2016 that I did not authorize. I contacted XXXX XXXX XXXX to inquire on why there was an inquirie to my report a year and months after I had, had any dealings with this company without my consent. I was advised that they did not pull my credit however my report states otherwise. This is a tote the note car lot and as many know when you have not so good credit or no valid drivers license these are the types of car lots to go to but unfortunately these types of car lots don't have the most reputable history. I have not gotten anywhere with the removal of this inquirie and it has cost me points to my credit score that has been damaging. This company had refused me my rights and it is disheartening to say the least.
My husband and I do all our banking with Wells Fargo Bank ( usually at store # XXXX ). We opened up XXXX different savings accounts, XXXX checking account, and a Platinum Debit Card attached only to our checking account. However, XX/XX/2015 a Wells Fargo employee opened up an unauthorized ATM card in my name ( XXXX XXXX ), and later in XX/XX/2015 another unauthorized ATM card was opened up in my husbands name ( XXXX XXXX XXXX ). Both ATM card accounts were linked to all of our savings and checking accounts without our knowledge or consent. These unauthorized ATM cards were never mailed to us, no notification was ever given, and until just recently we had no knowledge that they existed. We only found out because last month Wells Fargo mailed us renewal ATM cards and we were surprised to receive renewal cards for original cards we never knew existed. We contacted the bank and expressed our concern and complaints, and they did their best to answer our questions, but they could not explain why these accounts were opened. They only suggested the possibility that an employee opened them perhaps to meet some quota, considering at that time in 2015 Wells Fargo had a known issue with fake accounts opened in customer names. After inquiring with the bank and researching we noted the names of the employees who we met and spoke with regularly regarding our savings, checking, and debit card accounts : XXXX XXXX ( officer # XXXX ) and XXXX XXXX ( officer # XXXX ). When we went to discuss these matters with the bank we spoke with XXXX XXXX XXXX, and later on the phone with the manager XXXX XXXX. They could not answer our questions and referred us to a special branch of the bank which deals with matters such as ours ( Resolution Team ). The Resolution Team had a representative named XXXX contact us ( reference # XXXX ), and he has been trying to resolve the matter but as of yet there is no explanation as to how or why these ATM card accounts ( linked to all of our savings and checking accounts ) were opened in our name without our knowledge or consent. They mentioned the possibility of small monetary compensation for our troubles, but this is not sufficient for us. We are very concerned about our finances. This is our life savings and we need to know that our money is safe and that bank employees are not opening up accounts without our knowledge. We find this matter to be a grave injustice concerning customers at Wells Fargo, and we worry that this might happen again.