WillisBack/dataset-financial-user-claim huggingface dataset:
This is actually Part 2 to the feedback I submitted earlier this morning after the company finally decided to respond to my original complaint on XX/XX/XXXX. 

MoneyLion takes days to respond to any email. I find it interesting they called ( XXXX ) and left a vm Friday XX/XX/XXXX in the am. I tried to call back later that afternoon and was on hold for several minutes. The menu never offered a " complaint '' department. I sent an email explaining I called back and didnt get to speak to anyone and advised them to email me. 

Yesterday I get 3 back to back calls from MoneyLion or as it says when you call back " XXXX XXXX '' and a vm from XXXX. I could not return her call yesterday. Then I wake up to this response conveniently after I have missed their calls. A whole 2 days and yet they took well over a month to respond to my complaint. 

I stand by what I said. I was told BOTH the membership and the loan would no longer come out of my account. I was NOT able to access my loan via the app after a certain time period. If I clicked on loan, it showed me a pie chart with the loan amount, due date and what was paid-that is all. 

Money Lion claims I use their services. What services? Please do explain how I benefited from this besides the loan? I can see the payment history, loan amount and balance remaining but what else? You say I'm still using your services for which the membership covers ... how? 
I havent logged onto this app in weeks-in fact it's no longer on my phone and hasnt been for awhile. 

I plan to repay this loan off as I did take it out but I will NOT tolerate half truths or MoneyLion trying to conveniently do things to point things in their favor such as finally calling me just days under the 30 days of the complaint and then jumping on here to respond just one day shy of the 30 days from the original complaint to make it seem like I am the one not cooperating. 

I called back XXXX this XXXX. She left the vm with an extension which once again there is NO option for. Spoke with XXXX and told her to have XXXX call me back or preferably email so I can document ALL communication.
Due to the Equifax data breach, which according to their website both my husband and I appear to have been affected by, I have had to spend money and many hours of my limited personal time to pull credit reports, place credit freezes, set up credit monitoring, as well as other tasks to try and get ahead of the potential issues this could cause to my husband and I 's credit. We have worked very hard over the last decade to improve our credit and the continuous data breaches are disheartening ( the Equifax one being seemingly the worst yet ). There is also not a lot of confidence that Equifax truly knows how much data was actually taken, so now there are worries about my parents ' and my children 's credit. I also worry that even though we have frozen our credit, the same stolen data can still be used to unfreeze it. Cyber security needs to be taken much more seriously by the corporations of the world and I want to know how Equifax and the FTC are going to make this right and work to prevent future occurrences. Thank you for your time.
Refusal of credit to firearm related businesses. 

As a Bank of Amrica credit card holder for more than 20 years, I find it deeply troubling that Bank of America is choosing to discriminate against businesses that are legally and lawfully operating a firearm related business. I also find it deeply troubling that this company, which is part of the same industry that nearly wrecked our country 's economy in 2008 due to their greed induced mortgage practices- that required the nations largest bail out in history, are now refusing to extend credit to those businesses that meet the company 's financing underwriting but do not agree with their political views. 

I am a firearm owner, and regularly use my Bank of America credit card to complete firearm related transactions. Although, I have not yet had my card declined due to the classification of the item I am purchasing, if Bank of America can discriminate extending credit to a firearm related industry company, what would stop them from extending credit to a me, as a consumer, for a making a legal and lawful firearm related purchase?
Approximately two ( 2 ) years ago I opened a Wells Fargo credit card. 

This card was primarily for the purpose of a balance transfer. 

After I paid off the entire balance, I requested that the account be closed. 

The account was always paid in a timely fashion, and my credit in general is excellent. 

I received a letter from Wells Fargo indicating that " ... we have closed your credit card account for the reasons listed below .... 

-- Total monthly payment ( s ) due for bankcard or line of credit account ( s ) on credit report is high -- -No wells fargo checking or savings account -- -Over six months Account inactivity From reading this letter any one would assume that wells fargo initiated the closing of the account due to the above reasons, some of which are negative. 

I do not want any negative statements regarding this closure, which I requested, to be listed on my credit card. 

The appearance is that Wells Fargo is " punishing '' me for closing my account. 

Conditions 1 and 2 existed when the account was approved and opened, and the account was inactive after it was initially opened for a period of approximately 18 months I guess that up until relatively recently # 2 would not have been true since they probably would have opened an account in my name without my permission I should have received a letter from them confirming that my request to close my account was approved, not a letter indicating that as some sort of review of my account it was being closed. 

I request and expect a written response from Wells Fargo explaining their actions in this matter and an explanation as to how they will rectify any negative entries on my credit card.
I received a copy of my credit reports and noticed some erroneous items on my credit reports. After reviewing my records I could not find any documentation of any contractual relationship between me and Midland Credit Management Agency who reports and represents a Credit Card Company. 
This is not a request for verification or validation. This is a request for strict proof of a copy bearing my signature. I have sent certified letters dated XXXX/XXXX/XXXX and another on XXXX/XXXX/XXXX to provide me with a copy of an original application with my signature but to no avail. MCM Inc insists that I have a charged off amount totaling {$810.00}. To show how irresponsible and negligent they are, in their most recent response I received an invoice belonging to another consumer, which is presently in my possession. They have violated the FCRA and at this point and time they must delete all negative items from their report. I will not upload this consumer 's personal information until I get a response.
I attempted many times to contact Sequium Asset Souloution located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX via phone, mail and email but I can not get in contact with a single employee. I have 2 accounts that are fraudulent on my credit that are due to my identity being stolen. The first account was opened on XX/XX/2018 for the amount of {$710.00}. The second account was open on XX/XX/2018 for {$1200.00} which both are in collections. I have obtained a police report and forward it to the XXXX credit reporting agency but they can not remove the charge from my file stating that I have to deal directly with the creditor, I had other fraud charges on my credit report that were cleared up with the police report but Sequium Asset solution is the only company left and After many many attempts I can not get a hold of a single employee. The company never even contacted me to let me know that I have a past due account not one phne call letter in mail or email. Also there are 2 address on my report that are associated with the the 2 accounts that are fraud, I would like the removed also.
Late XX/XX/XXXX I was checking my credit often and my score would slowly be going up although I really do n't have much good or bad. I went to XXXX in XX/XX/XXXX and when I got out I had multiple more hard checks and credit karma would n't even tell me my score. Also I have a delinquent account on there that say it was closed in XX/XX/XXXX. They do n't even have info right. XXXX I signed up for a pre paid card and they never sent it. I asked again once I did n't receive it then they hard checked my account again! Annual credit report would n't give my score online they wanted to mail it. I think I 'm being done wrong if they do n't even trust online. I 'm not sure something 's up and its hurting my life.
We had requested a home mortgage modification a few times previously, each time we were told that our documents had been lost in the mail, or we needed more documentation that did n't exist. We applied ( again ) for a Home Affordable Modification Program mortgage modification. We were having difficulty maintaining our home payments. Not only was our mortgage extended out another 30 years, but we were charged a XXXX fee of {$11000.00}! We felt as if we had no other option, so we agreed. After reading the article in XXXX XXXX, we are hoping that you can help us.
Paid {$20000.00} to bring a house out of foreclosure. Nine months later they said to pay another {$8000.00} or they will put the loan in default. The XXXX XXXX is due to escrow. How can the account be made current then I 'm told I owe six years worth of escrow? I also found out that I was sending payments but they were n't cashing them.
I am a victim of identity fraud since 2011. 
First National Collections Bureau Inc. is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
In XXXX XXXX I have contacted XXXX and Transunion requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate information.
I was trying to refinance and i had submitted all the information and paid the appraisal and he said was aapproved and three months later he wanted a letter from the employer saying the reason why she was on medical I sent him the doctors form and also the form from the state but he wanted the employer to send that but the employer said that it was confidencial information. And he said I did not qualified because of that letter from the employer and because of the foreclosure which I had told him at application. Three months he said i did not qualified because of that .hI told him that I needed a letter of explanation he said he was going to send me one he never did said
The only negative in my report is in Capital One XXXX Opened XXXX the History there is late IN XXXX. **It is not late. The card charged me for Cell Phone Insurance payment that I never ordered. **I called XXXX XXXX. They acknowledged their mistake. They cancelled the Insurance payment request. **At that time I closed my account with XXXX Balance. **I am asking to remove this XXXX negative incident from my Credit Report
I have been a victim of Identity theft as a result several accounts were opened in my name .  I have sent a letter to the collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and claim I did not provide sufficient information to investigate.  I do not understand this I have sent them a letter letting them know I am unaware and have no knowledge of this account and it is fraud, in addition I sent the account information that is reporting on my credit report from MCM.
I disputed XXXX items with XXXX, they did great and took care of me. They were adequate and thorough. Although, XXXX and Equifax will not remove what XXXX removed. I will attach all documents involving my cases in XXXX. I attempted to call Equifax and XXXX but I need to buy I credit report first. I used my annual free credit report and called. They said it has already been disputed and those were the final results. I am asking you for help to remove my negative accounts when I am paid as agreed and to completely remove XXXX because of my separation agreement and final divorce decree naming XXXX ( ex husband ) the car, also stating he is solely responsible and has been since XXXX of 2013.
In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission XXXX XXXX XXXX XXXX by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX  for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of XXXX XXXX XXXX XXXX   aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX  without my consent. The XXXX XXXX XXXX XXXX   did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted XXXX XXXX XXXX XXXX  and asked them why they would place my name on a new loan without my consent or signature. The XXXX XXXX XXXX XXXX representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. XXXX XXXX XXXX XXXX  stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the XXXX XXXX XXXX XXXX  aloud XXXX XXXX XXXX  to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified XXXX XXXX XXXX XXXX and closed out all my accounts dealing with them. For the last year, XXXX XXXX XXXX XXXX has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX   was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX  that was turned in due to XXXX XXXX XXXX   's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX  that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX  was wrecked. Could someone look into this and find out is this legal because I feel like I am being held XXXX by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to be liable for these loans. I do believe XXXX XXXX XXXX XXXX owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.
I have disputed this loan and I am still currently A student. I attend college and can not pay off my student loans
I received a correspondence from XXXX XXXX XXXX XXXX, XXXX dated XXXX XXXX, XXXX about an alleged debt. On XXXX XXXX, XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XXXX XXXX, XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XXXX XXXX, XXXX, I received an alert from the credit reporting agencies stating that First Federal Credit Control added a collection account to my credit report, which bluntly ignored the FCRA laws. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any legal documents to properly validate the debt per FCRA. On XXXX/XXXX/XXXX, I sent another complaint through CFBP, and they completely ignored it
I have a XXXX XXXX with a name that is similar to mines and XXXX XXXX XXXX that is XXXX number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " XXXX. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in law enforcement requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, XXXX XXXX
sent payments for account with the collection agency and demanded written proof of the account being cleared and paid along with written proof being reported to all 3 credit bureaus. conversed by phone and written letters and was promised documentation via phone XXXX/XXXX/15. since then 2 additional letters were sent and the last certified mail and demanded written confirmation within 7 business day after receipt. i have received nothing to date. copies of cancelled check available.
Ocwen Loan Servicing, LLC, has assessed our account the amount of {$8700.00} unlawfully. We contacted the servicing company regarding the matter, in response Ocwen Loan Servicing, LLC, indicated that the fees were not past dues even though it reflected in that fashion according to the mortgage statement, but assessed due to the XX/XX/XXXX foreclosure action. I have attached a notice of voluntary dismissal from the foreclosure action. What does this mean? In Florida in order for servicer 's to collect for legal fees they must either win summary judgment or acquire a final judgment at trial. We never went to trial because both me and Ocwen entered into an agreement and therefore trial was cancelled. In XX/XX/XXXX, the Florida Supreme Court adopted Fla. R CIV . P. 1.525, which states- " Any moving party seeking a judgment taxing cost, attorney 's fees, or both shall serve a motion within 30 days after filling of the judgment. See case no. XXXX, In the XXXX Circuit court of the XXXX Judicial Circuit. You will find that NO JUDGMENT WAS ENTERED, case was voluntarily dismissed and therefore as per Florida Civil Rules, Ocwen is not entitled to have assessed the {$8700.00}. This is Illegal on its face and we ask action immediately by the Consumer Protection Bureau.
Loan was paid off last year. Received letter, check confirming overpayment. Bank of America refuses to removed loan from title report and release UCC. Second loan dates back XX/XX/2005, loan is closed. Loan was with XXXX XXXX and the loan was replaced by Bank of America after merger with XXXX XXXX. Title report reflects XXXX dollars on loans paid off. Bank of America refuses to remove loans and UCC FILINGS OFF THE TITLE REPORT.
The Equifax Security Breach worries me. You mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim your website, and would like a resolution. 

You did not notify anyone quickly enough and admit that you will not notify everyone.
XXXX XXXX COMPANY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
XXXX, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************XXXX-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX - XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX and XXXX  seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************EXPERIAN CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY XXXX AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX, AND XXXX XXXX XXXXXXXX THAT EXPERIAN IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

XXXX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my XXXX   credit file. If XXXX  can not or chooses not to conduct an investigation of the same ( 3 ) accounts that are being reported by Experian and XXXX, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.
My mortgage company, Ocwen ( insurance dept XXXX ) is requiring a new coverage - condominium unit owner- for my townhome. This coverage, based on Ocwen 's rep is for interior walls of my townhome. I had faxed and uploaded the policy document since last year which included " interior walls-excluding improvements '' coverage. However, now I am being told I need to have " interior walls- with improvements ''. When I inquire where the " with improvements '' requirement is based on, I am told it 's based on Ocwen policy. My current mortgage has been in place for about 10 years and Ocwen is about XXXX company the account has been sold/transfer to. I never signed anything directly with Ocwen nor chose this company. For months I had been stressing, calling Ocwen multiple times, faxing and uploading documents without resolution. Everytime I call I get different response from Ocwen reps varying from the coverage expired, it was never included on the policy. And when I confirmed with the insurance company the interior walls are included on the policy, Ocwen changed their position that it needs to include walls with improvements. I have never done improvements nor plan to do any on my home. Ocwen is threatening to purchase a very costly policy of {$1700.00} for the technicality of adding " interior walls with improvements '' vs. " interior walls excluding improvements ''.