WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX inquiries on my credit report, and several of those reports I did not authorize. Equifax has given me a false response stating that these inquiries were factual. There is no record of a signed application from me, nor a copy of my drivers license or State ID, Also I would like these items removed from my credit report. But Equifax is requesting more information or documentation. Please assist me. it states also -- *** Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX KS XXXX this does not tell me that the company validated the inquiry on my account. Now I have to take extra steps to have Equifax remove the items from my account, by going to the company directly,. this is not factual not legal..
I have a credit card with capitol one bank with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX is the only one that has removed this account from my credit report, XXXX  and XXXX  have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the XXXX XXXX XXXX because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.
Strong arm Lender Placed Flood Insurance, suspicion of wrongful conduct by by Bank of America Home Loans XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. Bank of America has forced Flood Insurance premiums for insurance on a residence that according to revised FEMA flood mapping is well above the 100 year mean high water flood stage and additionally, the residence is well above the 500 year flood level indicated on the FEMA mapping. We are consistently having trouble communicating with Bank of America Insurance Department. We have sent documents from a local Professional Licensed Surveyor and have sent FEMA mapping indicating the same. Curiously, B of A reports never having receive the paper work after sending the same many times. Our attempts to follow up on these issues typically result in B of A requesting that we re-send the documents or forms in question or passing us from one B of A employee to another that lack any common sense or authority for several hours at a time. Bank of America has decided to charge our family excessive ( XXXX XXXX XXXX ) insurance fees to my line of credit and upset our monthly home payments. We have had nothing but trouble with Bank of America since Countrywide was purchased by Bank of America. Bank of America truly should not be able to wear the moniker " AMERICA ''. 
Our desired resolution would be that, Bank of America accept our professional licensed land surveyors professional judgement that our residence remains higher than the 100 year flood mark and well above the 500 year flood mark as it has for the last 25 years. Funny, thing is our county will not let a person build in the 100 year flood plain and it has had these county rules for at least the last 25 years.
XXXX XXXX XXXX XXXX ( 3rd party ) Original debt was with Santander for {$14.00}, XXXX and we don't agree with that amt. XXXX XXXX XXXX called on XXXX ( first time hearing from them ) and threatened to send Summons if we did not arrange a settlement, but I do not have a contract with them.
I had a family emergency last week and I had the ability get an emergency pin number on one of my AMEX credit cards. I have XXXX. The card for my business had a credit line of {$500.00} because I transferred that credit line successfully to another business card last year. My Amex Open Blue is a personal credit card and I was trying to transfer the credit of {$2000.00} to my AMEX business card in which Amex was willing to help with my pin number for a cash advance. I do n't remember why the AMEX blue could not be advanced, even though I just paid it off in full -- $ XXXX. I think it was because that particular card did not allow for cash advance Amex attempted to pull the credit over to the business card, but could not. The way it was explained was that there was an internal issue. Unbeknownst to me Amex had improperly and without disclosure ran my credit report and received a score of XXXX. Mind you, I just paid off a series of credit cards so this credit hit came at the worst time possible. I just got the denial letter.
CFBP please view the comments from Experian dated XX/XX/2018. The attached documents confirm that this company is comfortable parroting and reporting inaccurate unverified information. Experian is comfortable with Law suits confirming their willingness to violate the LAW and guidelines within the FCRA in fair reporting. The attached documents are a mirror image of the complaint that I have with XXXX   XXXX and Experian.
I have disputed the information with Equifax XXXX times. The confirmation numbers of the dispute are XXXX, XXXX and XXXX. Each dispute flows from these XXXX numbers. I am on my XXXX attempt to correct the inaccurate information and information that does not belong to me or information that is beyond the reporting toll ( years to be reflected on the report ). The ironic thing is both XXXX XXXX and XXXX acknowledge the inaccuracies and have removed them from my credit report but Equifax refuses which tells me they have not done their due diligence in accordance with 15 U.S.C. Section 1681 ( e ), Section 1681 ( i ) ( a ) ( 1 ) ( A ) and 1681s-2
NATIONSTAR HAS BEEN FOUND GUILTY OF COUNTLESS CRIMINAL ACTS AND THEY HAVE ADMITTED THESE CRIMES WERE COMMITTED ON PAPER AND IN THE CFPB REPLIES. THIS CONFRIMATION OF MULTIPLE ILLEGAL ACTS IS UNDENIABLE AND IRREFUTABLE. 

WE WILL KEEP THIS COMPLAINT SIMPLE. ****FEDERAL LAW REQUIRES A CORRECTED LOAN PACKET ON THE NATIONSTAR / MR COOPER LOAN FOR XXXX XXXX XXXX XXXX FLORIDA ... BECAUSE LOAN FRAUD WAS FOUND IN INITIAL LOAN DISCLOSURE ... WIND INSURANCE WAS LEFT OFF ALL ESCROW AND LOAN PAPERWORK ... TO MAKE IT APPEAR THE MISLED CONSUMER WAS SAVING MONEY WHEN IN FACT THEY WERE PAYING MORE**** ***THE ATTITUDE, INTENTION OR PERSONAL GOALS OF INDIVIDUAL PERSON COMMITTING THE ACT ARE IRRELEVANT ... INTENTIONAL OR INADVERTANT ... THE LAW IS THE SAME. 30 DAYS TO CORRECT ERROR OR LOAN IS INVALID*** WE ARE REQUESTING THAT THEY PROVIDE THE CORRECTED LOAN PACKET, SIGNED BY ALL PARTIES, OR THEY IMMEDIATELY RESCIND THE LOAN AND CEASE ALL COLLECTION ATTEMPTS PLEASE NOTE THAT NATIONSTAR , XXXX XXXX, XXXX XXXX AND MR COOPER HAVE ALL BEEN AWARE OF THE FEDERAL LAW THEY ARE NOT FOLLOWING AND THEY ARE REFUSING TO COMPLY ***NEW EVIDENCE FOR NATIONSTAR*** YOU REQUESTED NEW EVIDENCE ... HERE IT IS, XXXX XXXX IS GUILTY OF RUNNING A CRIMINAL SCAM XXXX XXXX KNOWS HE HAS SOLD HOMES HE NEVER LEGALLY OWN XXXX XXXX HAS ORCHESTARTED ILLEGAL SALES USING A SCAM KNOWN AS " PORTFOLIO TRANSFER '' NATIONSTAR EMPLOYEES LIE TO CONSUMERS ON THE PHONE AND STEAL MONEY FROM THEM ON A DAILY BASIS THE LAST 2 PAYMENTS I HAVE MADE WERE STOLEN AFTER THE FREP LIED TO ME ON THE PHONE ***YOU HAVE NO CORRECTED LOAN PACKET ... YOU KNOW THIS ... GIVE UP ALREADY AND FOLLOW THE LAW!!! *** A SIDE NOTE FOR NATIONSTAR ... WE CAN EASILY PAY THIS MORTGAGE IF YOU PROVE YOU HAVE A LEGAL LOAN. SINCE YOU CAN NOT ... THE LEGAL OBLIGATION TO PROVE ABILITY TO COLLECT FALLS ON YOU. 

COMPLY ... NOW!!!
Hello, In XXXX I was approved for 3 separate products, One a Home Equity, A personal loan in which I paid off and a business line of credit. The business line of credit is the product I have an issue with. The manager of the bank that processed the loan stated that the business loan did not have to be paid but that the interest of the loan would have to be paid on a monthly basis. I was paying the interest with no problem. If TD Bank needed payment for the loan why did n't anyone contact me with that request? 
I was taken to court back in XXXX and again in XXXX by the banks Law counsel. We sat down with their lawyer and a Judicial administrator to come to a mutual agreement. 
I brought all my documents as proof to me paying the interest and in the document it states the amount in which I owed. The administrator wanted to see her /counsels documents. for the amount she was demanding for the bank. according to my records the balance was XXXX. TD Bank charged off on my loan back in XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX The TD bank recovery team went into my business account and withdrew XXXX I was n't notified on this. I was doing business at DMV and my bank card declined 2 times. So I called the bank and they could n't give me any information. 
Since then, I had numerous return check fees, I was in the negative. The first representative in the recovery dept I owed {$2900.00} on the account I spoke with Mr XXXX of the recovery team and he demanded I pay well over XXXX dollars per month. I explained that I had been a good customer of TD bank and that i could n't afford to pay that. I also mentioned the XXXX amount he said I owed a lot more than that. I was willing to pay {$170.00} He told me NO. 
I 'm curious to know why they need more money when in fact my balance was XXXX and they took XXXX which leaves XXXX, On XXXX XXXX XXXX XXXX XXXX from the recovery dept took another XXXX from my account. That total is now an additional {$1800.00}. 

To my knowledge a charge off is insurance paid to cover the loan. 
Now the bank is double dipping sending the loan to their in house recovery team. 
They have received their money twice and are trying to get more, in which as a tax paying citizen is unlawful and quite fraudulent on their part. 
I have documents attached for your review.
This is a much older debt caused by my ex-wife using my son 's phone and me being unaware. It is being passed around to all the collectors who then add on new charges. It will never be paid by me as I did n't make the debt. It is being misrepresented by being renewed by each new collector so as to keep my credit history in jeopardy illegally. These debts can not be collected after 3 years according to Federal Statutes. I want it taken from my files at once. Passing it along from agency to agency is not morally right or civilly correct. Had I the resources I would pursue legal action against these companies. As I ca n't prove fraud, I ca n't pursue legal action against the party that caused the debt problem either.
This   XXXX   account was sold to   XXXX   XXXX   and I disputed the account in  XXXX . It was removed off my credit reports then readded without any proper notice. I submitted a complaint CFPB and received a letter from diversified stating  XXXX  would recall my account. It was removed from credit reports. On XX/XX/XXXX  another collection agency tried to collect from the same  XXXX  account that was previously taken off my credit reports and falsified dates. The start date said  XX/XX/XXXX , in which I do not have any accounts with the  XXXX  company.
The summer of this year our heating and cooling system broke down beyond repair. We got a quote from a company named XXXX XXXX XXXX XXXX XXXX located in XXXX, Idaho. The quote they gave us was for 2 kinds of systems and they said they would apply for a loan for us to pay. We were going to make a payment of the difference but never heard from anyone about that and once the work was completed many week later I saw that the cheaper system was installed. The first quote was for a system that rated XXXX XXXX in the amount of {$9900.00}. The second was for a better rated system rated XXXX XXXX that would be {$1300.00} more. We asked for the better system and the person we spoke with said they could wait for a payment of the difference. The work took much longer than we thought it would, weeks longer. When it was completed I saw that they had installed the cheaper system but we had been billed for the higher priced one. I contacted the loan company as soon as I knew what company we had the loan with. Greensky, they billed us for interest right away. I made a payment for the interest amount before the work was even completed and contacted them to let them know the amount was incorrect. I had to contact XXXX XXXX XXXX XXXX XXXX several times to let them know we had been billed incorrectly and finally was told they would correct the error. Still after all these months the error has not been corrected. We have been overcharged interest and the original loan amount was incorrect. It took over a month for them to install the unit but the loan was taken out and interest started before work was completed. I keep getting a run around with the loan company. I was told things would be corrected months ago but nothing has changed and we keep getting charged more plus interest and fees. 
The loan company is XXXX XXXX XXXX. The first statement I have was in XXXX 2017. 

XXXX XXXX
On XXXX XXXX, 2015, I went outside to check my mailbox and I noticed a manila envelop hanging on my door with a note to call BOA XXXX Bank of America XXXX immediately. I had been home all day and no one knocked on my door or rung my doorbell. So, I called. I did not get the name of young lady I was speaking with but she was very condescending. 
BOA was contacting me regarding my XXXX payment .... My payments are due on the first, I have until the XXXX, so my payment ( at that time ) was only 3 days late. I tried to explain to her that I was waiting on my next paycheck to be able to make a full payment. She wanted me to obligate myself to a specific date and I told her I would not do that. She preceded to let me know that BOA could move forward with foreclosure on my house if I did n't make some sort of payment arrangement. I told her that I was not even a full month late but she firmly stated that if I did n't make some type of arrangement with them, foreclosure was the next step. I did n't understand how that could be possible due to the fact that I was not ( am not XXXX an entire month late with my mortgage and it is paid up until XXXX. 
I did not make a payment arrangement but I did agree to let her send me out some type of package with information to complete to see what can be done to keep my house from going into foreclosure. 
Once again, I am not even a full month late and BOA is threaten me with foreclosure. How is this possible. It is my understanding that a mortgage company can go forward with a foreclosure unless a person is 120 days late on their mortgage. How can BOA do this???
The private student loan provid er AES Education will not lower my payment. I have informed them previously that I can not afford the payment amount. They only replied, " Your lender does not offer any other lower repayment schedules. You will remain responsible for repayment of the loan '' They are not willing to work with me. I have other student loans I currently pay on also.
I have a Kohl 's department store credit card. Heretofore, I received printed statements by mail. I received a " friendly reminder '' email from Kohl 's stating that my account was overdue. Upon calling Kohl 's customer service I was told that my account was designated as " paper free, '' that I had been sent XXXX electronic statements and my account was 40+ days overdue -- I had not received any Kohl 's statements by any means, printed via U.S. mail NOR electronic resulting in Kohl 's charging a {$25.00} late fee plus {$5.00} interest. I performed an email search and found no Kohl 's email re. an electronic statement. -- My first phone call to Kohl 's customer service was less than helpful where the rep. insinuated that I was lying on all counts. My 2nd phone call to Kohl 's customer service resulted in a reversal / removal / credit back of the {$25.00} late fee. Negligence by Kohl 's to issue electronic statements to consumers result in consumers ' failing to make timely payments, resulting in a company 's realizing unjust interest and late fees.
Experian is reporting an account with XXXX XXXX / XXXX which was owned by XXXX XXXX then sold to XXXX as late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account was never late. XXXX is apparently reporting this information but they did not own the card at that time. I contacted XXXX XXXX and they stated the account is being reported to XXXX as on time and never late. XXXX XXXX said that since the account was sold they can not report the account to the credit agency 's. I am getting a run around in circles.
XXXX ( XXXX ) has been attempting to collect XXXX USD on behalf of PayPal Inc. since I received a notice on XX/XX/2017. The notice I received from XXXX was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from XXXX stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to XXXX, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor PayPal ( emails attached showing PayPal notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they XXXX cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that XXXX only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to XXXX at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by XXXX. According to XXXX, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX. from XXXX +XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX. from XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has XXXX continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.
The lender or merchant, Rapid Cash or Speedy Cash, obtained and fraudulently charged my debit card without my authorization on an outstanding balance from 2007 in the amount of {$800.00}. This transaction was not authorized by me and the statute of limitations of six ( 6 ) years has been exceeded in the state of oregon. I have contacted the merchant XXXX, and XXXX times they have been uncooperative and refusing to return my monies back to me. I have disputed the transaction with my bank and have filed a police report as I feel that the merchant has commited a crime. I 've also reported the merchant to Oregon District Attorney, Consumer Protection Agency and the Attorney General of their fraudulent activity and in attempts to get my monies returned to me. This unauthorized transaction took all of my paycheck that was also direct deposited on XXXX/XXXX/15, leaving me with literally no monies at all for the next two weeks, most importantly basics like living expenses ( i.e. food, transportation expenses, necessities, needed medication refills such as XXXX, etc ) and for bills that are now going to be past due ( i.e. rent, utilities, car repair, etc ).
I decided to open a new checking account after receiving a promotional mailer from Capital One 360 Bank offering a free {$400.00} ( promo code = XXXX ) for customers that open a new checking account before XX/XX/XXXX and receive XXXX direct deposits of {$250.00} or more within the first 60 days. I called Capital One and spoke with a representative the same day because I pon completion, there was no direct mention of the promotion. The customer service rep told me the promotional mailer would be honored after I filled the requirements and instructed me to call them back. I went ahead and setup my salary payments for deposit into my new Capital One checking but when I called them back I was told that I only qualify for a free {$100.00}. I told them that I did n't want to open a new account and go through the hassle of changing my direct deposit information unless I was going to receive the free {$400.00} and I feel like I was intentionally deceived with only the bank 's best interest in mind. I think Capital One 360 Bank should honor the free {$400.00} promotion that was sent to me.
False Employer listed - XXXX. 

I do not, nor have I ever, worked for this employer
I 've had my mortgage since XX/XX/XXXX and I 've never been late. I have automatic debit on my bank account from Ditech. On XX/XX/XXXX the funds were n't available for some reason and I called them several times to charge my debit which they said they were going to do but apparently they never did. Since they do n't bank a physical bank in XXXX I could n't do much and sent the payment because they never charge my bank account and I was going to be late. Anyways they said I was n't going to have a 30 days late they even returned my late fees and everything but on my credit report appears to be 30 days late which is affecting my credit which i take care of. I just want my credit to be clean and is unfair what they did.
why should I have to write a letter to get my information, what is the problem it is telling me I need to write a letter to get it. this is time consuming not realistic today, people use the computer for everything and phones and email. now I have wasted time and more time because I need my credit information now! there should not be any issue with getting it online, and it does not tell me the reason. no security issue should not be handled that way because I still do n't know the issue. I do n't have time for this. this needs to be fixed and better convenient for people. we have to be systemized to do anything! is unfair!
On XX/XX/XXXX I reviewed my credit report which had an enormous amounts of errors these errors as noted are in need of validation under FCRA 611 ( a ).

Accounts Validation Request XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$5700.00}XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} DISPUTE SHOULD BE XXXX  BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} DISPUTE SHOULD BE XXXX  BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} DISPUTE SHOULD BE XX/XX/XXXX BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} DISPUTE SHOULD BE XX/XX/XXXXBALANCEXX/XX/XXXXXXXX XXXX XXXX XXXX   {$1900.00} DISPUTE SHOULD BE XXXX BALANCEXX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} DISPUTE SHOULD BE XXXX BALANCE XX/XX/XXXX XXXX XXXX XXXX {$1400.00} DISPUTE SHOULD BE XXXX BALANCE XXXX XXXX {$810.00} Validation XX/XX/XXXX
I have a collection on my XXXX report from the company AAS DEBT RECOVERY INC XXXX They claim is is from a bank, I have called this company and they have no debt validation and they still will not remove the collection.