WillisBack/dataset-financial-user-claim huggingface dataset:
I found this company  E Loan   XXXX  online very easily. They said they could get me a loan with a very low interest rate, long payoff time for {$1000.00} to {$3000.00}. They wanted me to go to  XXXX  to purchase   XXXX   cards - which I did  ( { $100.00} worth taking out {$100.00} from  XXXX  to do this ). After that they did deposit checks ( fraudulent ) into my account from which I purchased more  XXXX  cards. All told {$700.00} of  XXXX  cards were purchased.
Equifax has released my SSN and other vital private information to the public without any recourse for me to be protected. While they are offering " protection '' ( quotes are important ) it removes any ability for me to be properly reimbursed for my time and expense to clean up any issues created by Equifax. It is important that the CFPB work with Equifax and other reporting agencies to determine everyone affected and to for no cost to those affected place an immediate credit lock on their reports for at least a period of 5 years. In addition the only way to remove this lock should be to contact, in writing, at the address on file from before the breech was committed, the person having their credit being queried, modified, or otherwise interacted with to prevent future fraud for those affected.
XXXX XXXX XXXX XXXX XXXX - First, you get a recording from phone number XXXX telling you to call the number above about a debt. I have called the number and they ask for a lady named XXXX. My name is XXXX and this is obviously the wrong number. I have called them times to ask them to stop but the calls keep on coming. 

PLEASE HELP AND MAKE IT STOP! 

Thank you, XXXX
Key bank took over my home equity line of credit from XXXX XXXX. We sold our home so this loan needed to be closed. The paperwork was submitted at the time of settlement on the home. However, the line of credit was never closed or the lien removed. I also found out that there had been an overpayment of what we owed on the line of credit. this was over a month after the date of settlement. The bank never made any attempt to contact me to let me know of the overpayment or to refund my money. To this date they still have not returned the overpayment to me. They are holding my money and refuse to return it to me. I have done everything they have asked me to do to resolve this and they keep telling me it will be another 10 to 15 days. This is unacceptable. They are withholding my money against my will.
I have repeatedly tried to contact XXXX XXXX XXXX to no avail. They have placed unknown negative accounts on my XXXX, XXXX and XXXX  credit reports. This negative account is hurting my ability to apply for new credit.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX XXXX XXXX from my credit report!!!!! 
XXXX card balance is not correct!!!! 
second XXXX card balance is not correct!!! 
XXXX NO MOUNTHY PAYMENT MUST BE DELETED XXXX NO HIGH BALANCE MUST BE DELETED XXXX NO EARNER PLAN MUST BE DELETED XXXX BALANCE IS INCORRECT!!!! 

MY ADDRESS NOT CORRECT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. XXXX You must update my credit score!!!!
Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Fl. XXXX. 
Employment should be : Student.

Status divorced should be removed.

Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file.

Problem with fraud alert or security freezes placed without my authorization should be removed.

Showing a delinquent account when it's not.

Account balances being reported incorrectly.

Lenders management of accounts reporting incorrect information causing negative impact to credit files.

Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment.

Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
CFPB, This issues is not adequately resolved even though the case has been closed by your agency. The reference number is  XXXX .     Experian has stated that they ca n't find a credit file under my name. This is incorrect they have sent me a letter indicating that my credit file has been impacted by a negative item.     They ca n't have it both ways. I do have a credit report, they ca n't find it in the computer system during a cursory search. Look deeper in the computer system.     This is common given that my full legal name is  XXXX   XXXX   XXXX . A name that is this length commonly causes issues with computer systems. Happens all of the time. It is not unusual to have people with hyphenated last names.     Experian has now provided deceptive information during a credit inquiry. Experian please correct the information as soon as possible. If the issue is not corrected I will need to seek immediate legal advice from an attorney.
This debt was disputed and found to violate fair credit act and then removed on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, Smith Rouchon and Associates blatantly disregarded the investigation and underhandedly reported the same false information from XXXX/XXXX/XXXX thinking I would not notice. This is unscrupulous, unfounded and has adversely caused suffering and damaged my credit again.
XXXX we submitted a loan application- they messed up on the application. we re submitted another application, after waiting 3 weeks we were notified they lost our application. we refiled another application another 40 days we have now been notified they are not putting the loan through. the advised us not to pay things have have finacially put us in a bind.This was through XXXX XXXX at Churchill mortgage in XXXX michiga
Midland Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.
This debt is originally for a XXXX bill. It appears that in 2014 the was a lawsuit filed against XXXX for " cramming '' charges. This is where customers were charged for premium services without their knowledge. I was also a victim of this and this has also been validated ( see attached documents ). I have also requested my refund for this services as I did not authorize them. 

The amount of debt that I reportedly owe to Midland/XXXX has been rendered invalid due to this FTC lawsuit against XXXX and the fact that I was a victim of these extra charges.
On XXXX/XXXX/2016 I disputed a collection account on my Equifax file on XXXX/XXXX/2016 I got a letter from Equifax dated XXXX/XXXX/2016 stating their investigation was finished and the results are that the account was verified and that additional information was provided. On XXXX/XXXX/2016 I received a letter from the collection agency stating they could not verify the account right now and that they need more time. Equifax has violated my rights and falsely verified a collection account.
My debit card was stolen from my car around 1 pm on XX/XX/2016. I reported to Chase fraudulent claims dept at around XXXX on the same day. There was a singular charge of {$2400.00} to an XXXX that was not mine. Chase immediately granted a temporary credit to my account. On XX/XX/XXXX I was notified that the temporary credit was being reversed and the claim denied. Detective XXXX of the XXXX Police Dept had notified me that they had caught 2 individuals charged with stealing my debit card ( and another individuals card at XXXX ). They identified through the surveillance videos at XXXX ( where my car had been parked ) and the XXXX ( where the card had been used ). Upon request she supplied me with the police report. I faxed the police report to Chase fraud dept and verified by phone that they had received my fax. Chase supplied me with a copy of the XXXX credit card transaction log confirming the purchase. I contacted Chase and told them that no pin had been used and only a signature which was an obvious forgery. Chase once again has denied the claim and has refused to reimburse this fraudulent transaction. Numerous contacts has been made with the local branch manager and fraud dept. ( nothing resolved ), then on XX/XX/XXXX they said that the claim was filed as an " account take over '' and not as a stolen or lost debit card. Last contact with fraud dept ( never the same person - this time with supervisor XXXX ) was on XX/XX/XXXX at XXXX ( she stated somethings wrong and she dosent understand and possibly the specialist was tried and put in the wrong info ) and branch manager on XX/XX/XXXX ( he cant help me but provided the CFPB website ). I believe Chase has made an error in handling this and is not properly reviewing the situation. They claim to offer protection against credit card theft, but is not doing so for me. Please feel free to contact me for more detail or further clarification. Thank you.
XXXX, Equifax, and XXXX  are reporting incorrect addresses on my credit report.
I have been fighting ID THEFT for awhile now and there are fraudulent accounts and info on my credit report that please needs to be removed and or blocked. All supporting documents have been sent in on several occasions now. The following info is fraud and needs to be removed thank you. 
1. XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Good morning. 
I contacted Wells Fargo to get my interest rate lowered on my credit card. I 'm in the process of buying a home and I want to pay the debt down on my Wells Fargo credit card to raise my FICO score and lower my debt to income. I spoke with two reps and both said they were unable to lower the interest rate. I asked why and neither rep offered an explanation. Is there anything the CFPB can do?
Over the last two weeks I have spent hours on hold and never gotten a live person to tell me the status of my credit application.
I graduate College in XXXX with approximately {$18000.00} in student debt with XXXX XXXX. It was an initial interest only payment for 7 years, then a structured payment for the remaining life of the loan. In XXXX my loan was transferred to AES and my auto debit payment continued every month. Due to an error on AES ' part it was applied to interest only for another 7 years. 14 years of paying {$110.00} per month for a total of approximately {$19000.00}. I have paid more than my original debt, but still carry the full amount on my account because of their mistake? or is it fraudulent behavior? After researching this it seems there are many others in the same situation as mine ; all starting around XXXX. This type of activity is criminal. I am a consumer who paid every month, in good faith, and amount that was requested to satisfy my loan in a timely manner. Individuals have gone to jail for less than this. I will not stop pursuing this until a fair, reasonable accommodation is made. I repeat myself, this is theft, someone needs to be held accountable.
Navient will not respond to my applications for income driven repayment. My federal student loans are only mine, yet they will not adjust my payment so I can afford them. I have applied for the last 3 years and they just wo n't help me at all! I have a family member paying my loans because I ca n't afford them and I need help!
The company calls at least four times a day from different numbers, which are listed below. Never leave a voicemail and have never mailed any amount due. 

XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX., XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXXXXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX, XX/XX/XXXX XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX., XX/XX/XXXX ; XXXX XXXX., XXXX XXXX. 
XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX
I was a former Well Fargo Bank ( WFB ) Credit Card customer since XX/XX/2013, this card was marketed by WFB as a way to improve an individual credit score and the capacity to earn cash rewards for its use. The rates associates to this card were higher than other usual account but the WFB representatives reason on the offering that the rate did not matter because the opportunity to earn rewards was extensive. So I signed up for this card. I was used to making purchases with this card and the earning started to accumulate and when they started to reach higher and higher credit for the use toward me - WFB without warning, or ability to cash the rewards decided to cancel my credit card effective immediately without the opportunity to cash my rewards and they keep over {$300.00} in cash rewards that I had earned. I do n't dispute the cancellation policy but the cancellation without notice amounts to change of terms for earnings received and a taken. Other credit cards issuers like XXXX even after cancellation allow consumers the opportunity to cash their rewards even after cancellation of the credit card. 
Wells does not. Wells takes consumers monies by the enacting of this policy. Their policy is deceitful and its based on unfair business dealings.
I recently disputed XXXX  XXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.
I contacted Ditech back in XXXX to request assistance as I had lost my job and was in the process of starting a new one as a XXXX XXXX XXXX which was XXXX. I had lost my job in XXXX and had been paying my mortgage out of savings but after paying XXXX I would not have the money to continue until I earned income as a XXXX. I informed Ditech that I would not likely receive any income until 6 months from my start date. I then proceeded to provide them financial information for myself, my husband ( who is not on the loan ), and my parents who live with me. Initially the information was submitted through their document upload system and the system showed that the documents were under reviewed. However a month later we receive a call from XXXX XXXX stating she was our loan counselor and that the documents ( although their system has provide proof of receipt - which we printed ) were not fully received and that we needed to resubmit. We proceeded to fax the documents. Once again approximately 2 weeks later XXXX XXXX called again stating they did not receive a complete package. We then requested an email address which we could submit the information to. We emailed all the information requested, including multiple copies of Form XXXX authorizing them to obtain 5 years of our taxes. Time elapsed and we received no answer from Ditech. Instead we found an note on our door saying they had been by to inspect the property and that we were to call them to address our delinquency. I sent XXXX XXXX an email requesting clarification on this and she never answered. We are now 45 days late.I sold my car and used part of the proceeds to pay XXXX and XXXX. Now that we are current on our loan we receive a call from XXXX XXXX requesting a non borrower credit check for my husband and copies of his SSA award letter. We are now XXXX and XXXX XXXX calls again and says if we want my parents income included in their decision we need to provide them with copies of their bank statement, a non-borrower credit check and their SSA award letter. I spoke with XXXX and said I did not want to have their information included and that I wanted an answer ( approval or denial ) from them. Close to 60 days have elapsed and we have received no information from Ditech. We are currently behind for XXXX and XXXX.
Trans Union is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me and correct XXXX account that is reporting incorrectly.
I have made Equifax aware of the same issue on several occasions. I have a letter that was sent to me from XXXX XXXX regarding my disputes regarding hard hit inquiries on my credit report. In the letter XXXX XXXX states that they will contact Equifax and order them to remove the inquiries in question. It is very concerning that when I dispute 1st with Equifax there response will always be a standard response that the dispute in question has been verified then I dispute directly with the Creditor and the have a different answer. According to the Fair Credit Reporting Act Equifax is required to conduct a reasonable investigation. It is obvious that Equifax did not complete a reasonable investigation and therefore is in violation of the Fair Credit Reporting Act. This is my formal notification and request that Equifax remove all XXXX XXXX hard hit Inquiries from my credit report. Furthermore, if Equifax does not permanently remove the hard hit inquiries I WILL file a lawsuit in Small Claims Court no later than XXXX XXXX, XXXX for violation of the FCRA, damaging my credit scare & credit worthiness. 

In closing, I have requested Equifax to send me a copy of my current and updated credit report because I can be a victim of identity fraud and as of the date of this complains ( XXXX/XXXX/XXXX ) Equifax refuses to grant my request ... ... NOTE : This will be part of my Small Claims Lawsuit.
My account was debited for a large amount by TD Bank with no explanation nor was I contacted. All that was said was " WITHDRAW endorsement XXXX TD Bank '' Why did TD Bank take my money?
Wrote letter to XXXX disputing info on my credit report. XXXX reporting I have a mortgage with them. No response after 4 months. Have sent a second letter seeking a remedy to incorrect info to Equifax. Sending XXXX second letter at the same time filing complaint with CFPB.
Between XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.
I do not drive. 
Own a car. 
I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.
Rather than respond to the complaint ( s ) Case number XXXX and XXXX submitted to CFPB, Wells Fargo Bank has sent me a Notice of Right to Cure Default for a total of {$2200.00}, which includes {$580.00} in " other charge/fee ''. 

Wells Fargo is allowed to make up any amount of charges and continue force homeowners to pay extortion payments or risk loosing their homes. 

Where is the help for consumers?
Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. I contacted the companies reporting the items as well. Equifax is the only credit bureau that was noncompliant to my request. Equifax has not responded and not demonstrated that they've thoroughly investigate per Federal Law. This is a serious error in reporting and I would like this matter to be resolved. I do not have knowledge or obligation to the account. Nothing has been given or shown to me that this account was investigated.
After I finished school Navient continously harassed my daily multiple times a day for payment. When discussing options with them they never once offered any kind of help lowering my payment. I fact the continued to say I had to pay the full amount acted found not foare my loan. At the time I was not financially well off and I figured there would have ointment in making smaller payment because it would still continue to hurt my credit actndnd actndnd up fees. My credit score went from really good to terrible quickly because of the negative credit reporting from them. Once I was able to get on my feet and afford to start paying on my loans I called them. Only then did they finally offer me lower payments based on my income. I now make theses payments to them and have for a couple years now but my balance never changes because of my interest rates. I have tried to get my loan too a new company but nowit 's not even possible. N loan company will except me because of my damaged credit.