WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX IS VIOLATING THE STATE USURY CAP OF 12 PERCENT AND SECOND XXXX XXXX HAS NO VIRGINIA LICENSES TO DO INTERNET PAYDAY LOAN HERE IN VIRGINIA. THERE IS A LAWSUIT OUT AGAINST THEM FROM THE STATE OF VIRGINIA FROM THE ATTORNEY GENERAL FROM VIRGINIA. I CALLED XXXX XXXX ON THE PHONE ON MONDAY AND I TALKED TO THEM REGARDING MY DISPUTE AND I ASK WHY IS THIS ACCOUNT STILL ON MY CREDIT REPORT SINCE THIS ACCOUNT WAS ILLEGAL PAYDAY LOAN AND THEY WERE NOT AUTHORIZE TO DO OR LEND MONEY HERE IN VIRGINIA AND I WAS TOLD FROM ONE OF THE REPRESENTIVE ON THE PHONE YES THERE WAS A LAWSUIT FILE AND YES THEY ARE NOT AUTHORIZE TO LEND MONEY IN THE STATE OF VIRGINIA AND THAT I WOULD NEED TO CONTACT THE CREDIT BUREAU ON ANY ISSUE I HAVE WIWTH MY CREDIT REPORT. ONCE AGAIN I CONTACT THE ATTORNEY GENERAL OFFICE HERE IN VIRGINIA AND I WAS TOLD THAT XXXX XXXX IS BEING SUE BY THE STATE IN A LAWSUIT AND I CONTACT EXPERIAN REGARDING MY CREDIT REPORT AND STATE THAT THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT SINCE THIS ACCOUNT IS A ILLEGAL INTERNET PAYDAY LOAN SINCE AT THE TIMW WHEN I TOOK OUT THE LOAN IN XX/XX/XXXX THEY DIDNT HAVE A LICENCE TO DO BUSSINESS IN THE STATE. YES THIS LOAN IS DISCHARGE ON MY CREDIT REPORT AND THIS ACCOUNT IS DUE TO COME OFF MY CREDIT REPORT ON XX/XX/XXXX BUT THIS LOAN SHOULD NOT NE ON THE REPORT AT ALL
On XXXX XXXX 2017 I called Equifax and spoke to a rep regarding my dispute # XXXX of all unauthorized inquires that was reported as " verified '' and I asked how were they verified. The Rep told me that they really can not investigate inquiries and that even though they give you the option it seems to do so and use " unauthorized access '' and that if I feel that it was not me to call the companies and have them modify it. I asked for a supervisor. I was told the same thing and that I could go to fraud department and put an alert on my account. I proceeded to state that why even offer the option to dispute inquiries if there is nothing that this department which is the Dispute Department can do about it. Plus to tell me to contact companies I already contacted before I disputed with you and that you clearly stated you investigated in your report but you just now told that you do n't do which I believe to be true because if you had it would n't have been " verified '' as was reported back to me. That seem to be misleading plus to tell me to prove that I am a victim of fraud when not only 6mths to a year ago I had a case of identity theft with someone opening a XXXX XXXX Credit Card and putting a freeze and fraud alert on my accounts and that Their own company notified ME that my info was a part of the breach Is utterly ridiculous to me. Plus I was told to get a police report which the police had already advised me that it was a non tangent offense since no offer was extended thus no crime was actually committed.
How do I get Bayview to leave me alone? 
With XXXX, I heard from them once a year with an escrow statement. Then they sold my mortgage & I 'm inundated with mailings & phone calls. 
From all the stress, I got confused & missed a payment. Efforts to make it up resulted in even more confusion & contradictions so I sought help from XXXX. 

Through the intercession of their housing counselor, arrangements were made & scheduled with my credit union. There 's XXXX left & then the XXXX payment will reportedly be about {$750.00}. 

The calls continue as well as constant mailings. They include registered letters to apply for help for which I know I do n't qualify. Without a car, it means needless trips to the post office. 

Is there any recourse or will this harassment be part of my future?
From XXXX XXXX, XXXX until XXXX XXXX I was not employed and was not able to meet my mortgage payment obligation. I went to the agency that helped me obtain the mortgage, XXXX, and started a modification process with their help. Once I became employed again, I attempted to resume paying my mortgage and was informed by CitiMortgage that they could not accept payments and that I would have to continue the modification process. I have informed them several times that my intentions are to keep my house. 
I have had to start this process over twice now because CitiMortgage keeps closing the file insisting that I have not submitted necessary documents that I most certainly have submitted numerous times through XXXX and directly to Citi. There has not been one time that a requested document was not submitted right away. 
Also, since starting this modification process over yet once again, they have sent me letters stating that my file is under review and while in " Review '' status that all foreclosure activity would cease. They are not keeping their word as am I steadily receiving notices from the XXXX County Court involving the foreclosure proceedings against me. I feel that I am being treated very unfairly at this point. These fees are steadily rising and payments increasing and it will soon be to the point that I will not be able to afford to keep my house. All I want is fair treatment and the opportunity to resume my payments. 

Thank you!
After sending information to verify myself with my disputes, Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS FST PREMIE XXXX paid in full XXXX  XXXX never late INQUIRIES XXXX  XXXX XXXX  XX/XX/2017 unauthorized XXXX   XXXX  XX/XX/2017 unauthorized COLLECTIONS XXXX XXXX XXXX {$1200.00} not mine XXXX {$4600.00} not mine XXXX {$4000.00} not mine XXXX  XXXX XXXX XXXX XXXX  XXXX {$830.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} not mine
On XX/XX/2017 around XXXX my business partner and I went into your Chase Bank location at XXXX TX XXXX. Upon speaking to a teller named XXXX we were informed that a {$3500.00} check from our client could not be cashed because " it was over a {$2500.00} limit the customer had placed on a non-Chase account holder cashing. '' We then spoke to the Branch Manager, XXXX. She told us that even if we had the customer write XXXX separate checks she would not allow them to both be cashed. She also refused to cash a check for us if our client wrote XXXX checks in XXXX different names. As we left the bank, she told us she would inform all her tellers to refuse us service. 
I personally hold a Chase Bank account and am extremely offended by the treatment we received. I routinely cash checks at other Chase locations and have never have issues. We whole heartily feel this branch racially profiled us for being XXXX male consumers in a predominantly XXXX run bank. We also noticed a XXXX women 's check was also refused while we were there. This is unacceptable, especially from a company such as Chase.
loan originator   XXXX   XXXX   XXXX   no longer in business. there was two closings and the second closing i was not there. the 1-4 rider documents were forged of my name and initials. also the loan was usury over legal limit..It was approx 9.99 %. they went to fed window took my treasury account ssi number All CAP NAME and routing and loaned me back my money and charged unlawful interest unbeknown they went out of Business the following year.   XXXX   is back on Title and are not in Business since 2007. I have a claim in, I am the title holder real owner and no contract with anyone it is all VOID from the Start, and I am the beneficiary. I have warrants into President Trump,   XXXX   XXXX   (  XXXX  ) accountability office,   XXXX   XXXX  , and U.S. Supreme court Defaulted bill for damages, crimes for CEO 's etc. and money 's used of my Private Trust Account. Next they will go to the FDIC etc.. I have notified   XXXX   for payoff that I do not owe today.
Fortiva issued a credit card in my name to someone else and the account is delinquent. I contacted Furtive and to date they have taken no action, indicating over a week ago that they would send me an affidavit by mail to complete. My reports to XXXX show no activity to resolve false addresses and phone numbers used in addition to the false credit.
I called Equifax on XXXX/XXXX/15 to report that I had been a victim of identity theft and to ask them to place a fraud alert on my credit information. I also asked for a copy of my credit report so that I could check the information. I was never told that I was entitled to a free copy and I was charged {$29.00} for the report. Yesterday, I received a letter from Equifax telling me that as a victim of identity theft, I was entitled to a free credit report. I called Equifax and they refused to refund my money. I think this is a scam -- they should have informed me of my rights up front.
I finished my services with # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX when I turned in my equipment and was told that my balance was paid in full at that time. I later learned on XX/XX/XXXX a collection was placed on my credit for {$760.00} by XXXX XXXX XXXX. I tried to figure out why I was put in collections and was not able to figure that out. Later on XX/XX/XXXX I went to the service provider # XXXX XXXX XXXX XXXX XXXX where the service was provided by them previously and they were equally as confused and showed my balance was still XXXX and printed out an invoice of the latest transactions for my account. This is the invoice attached. I have still not been invoiced for the charges that were put into collections and both the person in charge of the companies charges before sent to collections and the collection agency will not give me answers as to why the debt is owed. I feel like they are taking advantage of people because in most causes the services they provide are required to maintain driving privileges.
My credit was perfect! I'm in the process of buying a house in discovered that XXXX is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.
I filed a dispute with Equifax regarding 2 accounts with XXXX XXXX XXXX in the amount of {$970.00} and {$59.00}. On XX/XX/XXXX Equifax advised me that their dispute was complete and the account was verified. On XX/XX/XXXX I contacted the creditor in an attempt to find out additional information about this account. We attempted to located the account using my ss #, dl, address ( old and current ), phone number, account number listed on Equifax report, and name. After searching for the account well over 30 minutes without finding any accounts, I disconnected the call and called back to speak with another representative who was also unable to locate an account using the information provided. I then requested to speak with a supervisor because again Equifax claimed the account was verified and I just wanted to get it resolved. After speaking with a supervisor, who was also unable to locate an account, she requested that I fax over the documentation provided from Equifax. I immediately faxed over the documentation and followed up on XX/XX/XXXX. I was then notified that no account was able to be found. I then asked to fax some letter over to equifax advising that the account does not belong to me and of course they were unable to do that. 

I contacted Equifax again on XX/XX/XXXX and XX/XX/XXXX and requested proof or any documentation provided to confirm that this account in fact did belong to me. I explained to them that after multiple phone calls with the creditor I was unable to verify or locate an account. After speaking with the representative and supervisor I was told that they were unable to provide any documentation that states they are required to validate debt. How am i to resolve an account that does n't exist with the creditor? How is it that Equifax allegedly verified account but the creditor is unable to locate the account?
I asked  XXXX  to verify the account and they still have not even after 4 certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX ,  XXXX  and Experian for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
On XX/XX/2018, I attempted to check the status of my security freeze at Experian via their website ( where I created the freeze a while back ). There is no account login option on their site unless you are a paid member. To check the status of my freeze ( i.e., remove the freeze ), I input all my correct information and the PIN I created. I then received an error that said, " We were unable to honor your request to permanently remove your security freeze based on the information you entered. '' It then instructed me to mail several pieces of highly sensitive information and documents to complete the unfreeze. This appears to be in violation of the FTC rule that states, " If the request is made online or by phone, a credit bureau must lift a freeze within one hour. '' XXXX and XXXX, in contrast, both offer free accounts that easily provided me access to my credit freeze information.
XXXX. Received a letter in the mail from Citibank on XX/XX/2018 indicating that we had to update our account information or our account would be blocked until they received documents requested. 
XXXX. On XX/XX/2018, I went to the online form, completed the requested forms, received a reference ID of # XXXX and uploaded the forms. ( Attached 1 ) 3. On XX/XX/18 I received a notice from Capital One Credit Card that our payment was returned from Citibank due to a Payment Account issue. ( Attached 2 ) 4. I called Citibank on Monday, XX/XX/2018, after returning from a business trip. I was told my account was blocked because we did not complete an Addendum E Form. We completed the Addendum E form and emailed to Citibank. ( Attached 3 ) 5. XX/XX/2018 - Another block was placed on our account as I found out via a phone call from concerned vendors. I called Citibank and was told that we needed to complete another form before they could unblock the account. I asked them to have a check issued to close the account as we will not be doing business with them going forward. 
They stated that they will issue a check and I can pick up the funds at my local branch tomorrow. 

Is it legal to block payments from this account without any notice?
I contacted XXXX to dispute credit inquiries on my credit report due to their inquiry issues and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
I made a hotel reservation with XXXX on XXXX XXXX, 2016 for a travel date in XXXX 2016. A few days before my trip I called the hotel to confirm my reservation. I was informed by the hotel that the reservation made by XXXX had been cancelled and there was no current reservation on file. When I went to the XXXX website, I discovered that the homepage was now a blank screen with a notice that stated XXXX has filed for bankruptcy and is no longer in service and that " in most cases, accommodation reservations have not been paid and the booking is not secure. '' I checked my Barclay statement and noticed that the amount of {$410.00} was charged on XXXX/XXXX/2016 by XXXX. I quickly filed a dispute with Barclay ( Case No. XXXX ) in XXXX 2016 and received a response on XXXX XXXX, 2016. The notice stated that I would receive a provisional credit for the disputed amount, the merchant would be contacted, and if the amount will be rebilled, that I would receive another notice. I did receive a provisional credit from Barclay in XXXX 2016, but I never received the additional notice Barclay promised when my account was rebilled for the {$410.00} a few weeks later. I did n't understand why I was being charged the disputed amount when I provided all the required evidence Barclay requested to prove my service was never received from the merchant that issued the charge. I sent an additional statement to Barclay regarding my dispute with the XXXX charges ( dated XXXX XXXX, 2016 ) and asked Barclay to reopen the case, but received no response. I contacted the dispute center on XXXX XXXX, 2016 to follow-up and found that no progress has been made in settling this dispute. 

It has been over 5 months since my initial dispute was opened and I have received NO communication from Barclay regarding its progress to resolve this matter. XXXX charged me for a service that was not received and has since filed bankruptcy. In fact, if the merchant 's website is visited, it clearly states that any reservations made with them are not secured or paid for. I do n't understand what other evidence Barclay needs to close this case. As a customer of Barclay, I would expect them to fight on my behalf against this type of fraud and financial abuse from merchants. Instead, they have neglected and ignored my claims.
I went to school at XXXX XXXX and graduated with a XXXX degree in 2008. No one in town would give me a job based on this degree and I was laughed out of most job interviews. I landed a low level XXXX  job paying less than XXXX a year and was expected to pay Sallie Mae {$600.00} a month. Needless to say I defaulted on my loans. Fast forward to today, I am getting harassed by debt collectors who have my accounts that have grown from $ XXXX ( for an XXXX XXXX ) to nearly $ XXXX. 
The course material taught at XXXX was years behind and to this day has not helped me in my professional career. I do not work in that field of study and feel that the school lead me into an unpayable debt.
the home depot card company stated that the payment was sent to the wrong address. I sent it to the address on the statement which is : Home Depot Credit Services XXXX XXXX XXXX XXXX, AZ XXXX Customer service said they would have a manager get back to me in two days. 

XXXX
Nationstar Mortgage took over my loan in XXXX and they have been misrepresenting the accounting on this mortgage since they took over. They have been unable or unwilling to provide me with a detailed accounting of the escrow account and they have continued to add fees and charges to the account. Their records now show a past due amount of {$5700.00} on the loan despite all payments have been current since XXXX when they took over. 

One of the problems is that they purchased an insurance policy in XXXX when the home already had a policy in force and they charged the escrow account. They have also incorrectly posted payments in the account to the wrong months. I have been trying to resolve this with Nationstar since XXXX through calls and emails and they will not provide me with any customer support. They continue to transfer my calls to a call center in XXXX and the representatives can not assist me with these issues and do not understand the escrow accounting. I am now under contract to sell this home and want to resolve this before the loan is paid off.
I HAVE BEEN SUBMITTING THE SAME HANDFUL OF CLAIMS TO MY BANK, Wells Fargo SINCE THE END OF XX/XX/XXXX, THERE ARE A FEW TRANSACTIONS BUT THE ONE THAT STICKS OUT THAT I ORIGINALLY CALLED FOR WAS FOR A BUNCH OF ATM WITHDRAWALS FROM MY SAVINGS ACCOUNT AT 3 GAS STATIONS OWNED BY THE SAME PEOPLE, THEY ARE ALL THE XXXX XXXX AND THEY WERE ALL ON XXXX XXXX XXXX. I DID N'T DO THIS, I DID N'T TELL ANYONE I KNOW TO DO IT, I DID N'T TELL ANYONE MY PIN. THERE WERE OTHER TRANSACTION IN MY CHECKING TOO. I WAS AT THE TIME IN PROTECTIVE CUSTODY BC I WAS IN AN UNSAFE POSITION AND I NEEDED TO BE PROTECTED. I HAVE XXXX, XXXX, XXXX AND XXXX. WHILE THIS WAS GOING ON I WAS LIKE I SAID GOING THROUGH SOME OF THE WORST TIMES IN MY LIFE. OVER THE NEXT FEW MONTHS IVE BEEN HUNG UP ON, THREATEN, BEEN LIED TO, BEEN GIVEN INCORRECT INFORMATION AS IT PERTAINS TO MY CLAIM, ON MULTIPLE ACCOUNTS, IVE BEEN TAUNTED, DISRESPECTED, TALKED DOWN TO, ACCUSED OF THINGS, ACCUSED OF LYING, YELLED AT, TALKED TO LIEK A CHILD, BEEN TRANSFER TO PEOPLE THAT WERE NOT WHO I WAS SUPPOSED OT BE OR EVEN NOT THE RIGHT DEPARTMENT, IVE HAD MORE ABUSE BY STRANGERS WHO ARE SUPPOSED TO HELP ME AT THIS BANK DEALING WITH THIS THAN I HAVE HAD IN MY WHOLE LIFE. IVE BEEN PROMISED SO MANY THINGS BY PEOPLE TRYING TO HELP AND NEVER ONCE HAS IT HAPPENED, I AM STILL OWED AT LEAST XXXX AND THEY KEEP DENING MY CLAIM BC I CAN NOT SAY FOR SURE THAT I DIDINT AUTHORIZE EVERY SINGLE TRANSACTIONS ROUND THAT ETIME BC ITS BEEN 4 MONTHS AND THEY WERE ALL DONE OVER THE WEEKEND.
I have been in contact with XXXX XXXX XXXX agency within the past couple of months. About an Account on my credit profile that was fraudulently open. And I've asked them to remove this from my credit profile and they have not. This is for a XXXX phone account in which I never open nor did I give any other person authorization to open.
I am currently paying for a vehicle under my father 's name. Since we are facing a little of financial hardship due to my wife not being working for medical reasons, we became delinquent on the debt but has been making payments now and then to keep the delinquency on XXXX months or less. Right now we are XXXX months behind and I am to make a payment next week when I get paid some commissions. The debt collector came on Monday and left his card. I have him on agenda to call him next week, but he came again yesterday and left a handwritten letter at my house stating that my father authorized for the vehicle to be taken away and I was to surrender the vehicle voluntarily. My wife was very upset and I suffered XXXX. I called my father and he said that he has not spoken to the debt collector since two months ago when he told him to deal with me directly. My father stated that he did not authorized for the seize of the vehicle and even offer to help me making the payment. I have been cooperative with the debt collector and maintain an open communication. I gave him my physical address and my personal phone and told him that I was to make the payments and to call me when needed that I have nothing to hide and was working hard to overcome my hardship. There is no need to use these illegal practices that violates the Fair Debt Collection Practices Act, specially when I have been very cooperative through the collection process.
XXXX/XXXX/XXXX, {$20.00} I believe I should be able to request a credit freeze without cost, as I never asked XXXX, transunion or any other company to collect and sell my financial data. I believe opting out of this service, reporting my financial data to creditors, a service I was enrolled in without consent, should not come at a cost. XXXX offers a free credit freeze so it is certainly possible. I have attempted to contact credit bureaus to express this belief without success Thank you
On XXXX XXXX, 2017 I contacted XXXX at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX ___________ {$1800.00} PAID X/XX/17 XXXX updated the accounts at Experian, XXXX, and XXXX by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and XXXX has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for Experian as samples.