WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I applied for a secured credit card. My credit report was pulled. I never applied at XXXX XXXX for any other loans or credit cards. But my credit was pulled without my consent two more times! Once on XX/XX/XXXX AND once on XX/XX/XXXX! My credit was pulled three times in a 17 day period. AT LEAST two of the were without my consent.
I was scammed into sending money for a XXXX bonus winnings randomly selected and the number they use is XXXX XXXX XXXX XXXX XXXX, New York XXXX and the phone number is ( XXXX ) XXXX
The information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. Wells Fargo was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

Sincerely XXXX XXXX
CERTIFIED RECOVERY REPORTED A COLLECTION THAT WAS WITH ANOTHER AGENCY AND TAKEN OFF MY CREDT. I NEVER RECEIVED A NOTICE FROM CERTIFIED RECOVERY OR ANYTHING. THEY JUST PUT THIS ON MY CREDIT. I SENT FOR VALIDATION OF THIS DEBT AND THEY JUST IGNORED ME. IT HAS BEEN 97 DAYS SINCE MY FIRST REQUEST FROM THIS AGENCY
My mother was financially XXXX by her grandson. She was threatened by XXXX XXXX if she did not go to the bank and withdraw her CD of {$170000.00}. The banking officer was made aware that my mother was scared of her grandson and did nothing about it. This was taking place at Prosperity Bank in XXXX Texas on XXXX XXXX. When I found out about the transaction I immediately went to the banking officer XXXX and reported this as elderly abuse of my mother. I sought assistance from an attorney who placed a temporary restraining order and a temporary guardianship and was to freeze the bank account from any transfers of the funds. Prosperity Bank allowed the funds to be transferred to the grandson 's father who is an ex-husband and has not seen my mother in over 20 years. The bank refused to freeze the assets and allowed the transfer to take place of {$150000.00}. The bank will not release the records to where the money was transferred to and will not guarantee to replace the money due to their era in not using the suspected XXXX XXXX   form that the government requires when alerted of XXXX XXXX. The local law enforcement agencies have not helped. The local XXXX Texas Adult Protective Services were contacted and have not helped. My mother has now lost {$170000.00} her life savings to someone she doesn't even know. The bank will not help us the local officials will not help us.
I wrote a letter about a Frudlent account that says I 'm a Authorized User, I never gave permission to anyone to add me to any account. I have asked Equifax to remove and they have not. I have written XXXX letters The XXXX companies that have me as Authorized Users Are 1.XXXX XXXX ( Authorized User ) Fraud 2.XXXX ( Authorized User ) Fraud 3. XXXX XXXX ( Authorized User ) Fraud I NEVER GAVE PERMISSION TO BE ADDED TO ANYONE ACCOUNT I ALSO WAS LIVING OUT OF THE COUNTRY FOR OVER # YRS WHEN THIS HAPPEN.
Dear Consumer Financial Protection Bureau My property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is mortgaged by Ocwen Financial Corporation XXXX ( headquarter office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ). 
I have been with Ocwen for around 7 years or so and I have had insurance via XXXX XXXX for the entire time I have owned the property. 

For the past 2 years, they have been doing the following things : 1. Calling me at least 2 x per day 2. Sending me letters saying, 'You have received this letter because you have not paid your bill. If you have paid your bill by the time you receive this letter, then disregard this letter ' 3. Sending me packets of XXXX page booklets saying, 'You are going to go into foreclosure. For help, fill out these forms and call us at Ocwen to assist ' They have charged me for insurance without even telling me about it, messing with my Escrow. When I realized this, I fought with them and had to get XXXX XXXX on a conference call with Ocwen again. 

In the meantime, when I call them back ( it takes 45 minutes + of wait time ) to get on the phone with them, then they tell me different stories : Story 1 : you need to pay insurance Story 2 : you owe us {$400.00} ( but they wo n't say for what ) Story 3 : your payment went up XXXX dollars per month since XX/XX/XXXX ( but they wo n't say for what- I think it is for insurance by piecing the phone call responses together ) All I want is this : 1. To STOP HARASSING ME! Do I need to sue for HARASSMENT? 
2. To stop being ignored 3. Reimbursement for insurance 4. No charging for fees that are snuck in without even telling me about it 5. Stop sending me letters ( see above ) 6. Stop sending me XXXX page packets ( see above ) 7. Tell me what they actually want WRITTEN in a clear EMAIL WITH STATEMENTS FOR PROOF 8. Stop calling me I have escalated my concerns to the entire Board of Directors and CEO and VP : XXXX XXXX and XXXX XXXX at Ocwen with Zero response, except for more paper and convoluted phone calls. 

The latest is that an Ocwen employee called me and told me 'all I can do is listen to your complaint but can not help you ', then she was so rude, and played a game with me by saying 'you wo n't let me read you my disclosure so I ca n't help you and because you called me, I do n't know who you are ' Why even call me? I told her if she was going to play that game, then she can just call me back. Then she said she was not going to call me back. I told her that this was ridiculous we were even having this conversation because I asked simply for the company to respond via email to my email requests. She was so sarcastic and rude, telling me that she could only just listen but do nothing to help. What a waste of time, like this is some sort of a joke? I was so angry and upset XXXX, as this has been happening for months now that I let her have it. She kept talking over me so I hung up. This is abuse. I just want them to tell me what they want via email with statements so they can communicate like a NORMAL company would! 

Thank you. XXXX XXXX XXXX, XXXX
Equifax has been ignoring the rules set forth in the FCRA. Back in XXXX XXXX I sent a dispute in for acct US Dept of ED. Equifax claimed they verified the account on XXXX XXXX, XXXX & I needed to contact the data furnisher for further verification. On XXXX XXXX, XXXX I sent the data furnisher a letter requesting all proper documentation verifying this account belong to me & I was liable for the account. I also wanted to know the methods used to investigate the account. I was n't convinced they account belong to me or was properly verified using the proper methods required in the FCRA. On XXXX XXXX, XXXX, US Dept of ED received my letter. As of today 's date I have never received any correspondence from US Dept of ED. On XXXX XXXX, XXXX I sent a complaint back to Equifax explaining that US Dept of ED has ignored my request for further information & they needed to remove the account from my report. It has been over 2 months now since my XXXX XXXX, XXXX letter was mailed. Equifax still shows the account on my report & has not sent me any correspondence as to why it has n't been removed. I would like this account removed at once ... it does n't belong to me ; there is no signed agreement between me & the data furnisher which I 'm aware of & Equifax has failed in doing their due diligence in protecting my credit. I would like this account removed immediately.
I went to XXXX Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was according to XXXX Waited until XXXX XXXX 2017 to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XXXX XXXX  2017 called to ask about confirmation email was hung up  on Twice before I got the third Rep who did n't know anything. I think XXXX XXXX is just giving me and other consumers the run around with the Monitoring Service it  is supposed to be offering!!!!! In the mean time my Credit is  suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX
I contacted  Prestige Financial  and  XXXX   XXXX   XXXX   XXXX  about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information.  Prestige Financial  sent a letter back dated  XX/XX/17    stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX , Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract Prestige to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my  credit score t o decrease and I want these inquires removed from all there reporting agencies immediately.
I had a Perkins Loan at the University of XXXX XXXX in XXXX, Texas. I am enrolling in college at another university in the fall, 2018 and my admission into the university is on hold due to the University of XXXX XXXX putting a hold on my transcripts. 

I have spoken with the XXXX contact at this university for several months now who has been rude, condescending, and unprofessional to me in how he has spoken to me, however, he suggested that I do a loan consolidation to pay off the Perkins loan. 

I did do this loan consolidation and the loan was paid ( approximately {$2800.00} ) except now the XXXX contact says there is still over {$1000.00} that needs to be paid before my transcripts will be released. 

The XXXX contact says that a Williams & Fudge agency has been contacting me about my loan. I have never received any letters, phone calls or e-mails as far as I can recall about any correspondence with any Williams & Fudge agency and in fact when I did speak to XXXX ( my loan provider ), I was told that my Perkins loan had not defaulted. 

I have been unemployed and XXXX  XXXX and unable to work and that is why the payments were late, but now even after the loan has been paid, University of XXXX XXXX is still unwilling to release my transcripts until I probably have to pay this extra {$1000.00} + I'm guessing as collection fees. 

Again, I do not recall getting any information from any type of Williams & Fudge agency correspondence and I most certainly do not agree with any additional fees which are 1/3 the cost of the overall balance of my Perkins loan. 

Best regards, XXXX XXXX XXXX
I have disputed a tax lien with equifax credit company and XXXX. XXXX removed a tax lien to equifax that do not belong to me and I received a letter from XXXX stated that they have removed the tax lien from their Accurint Database, but equifax is still reporting the tax lien. I have contact the courts and they advised that the do not report to the credit bureaus and do not have a tax lien in their system with my name, ss #, or d.o.b., I ask equifax to validate the information and they will not provide validation neither will they remove the tax lien. Every time I call in they start a new dispute and a few days later they say the court reported back saying that the tax lien belong to me.
I have sent validation letters so they can verified account. I have not received any information on this account.
I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated from XX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.
Midland Credit Management is claiming a debt belongs to me that I believe was falsely opened in my name or they are collecting from the wrong person. I have sent multiple letters and now I am sending via certified mail requesting proof that it is my signature on the original contract, and they have yet to provide it and still report it on my credit. I have even offered a settlement simply to remove it from my credit in an effort to just put it behind me even though I do not believe the debt is actually mine, and they will not respond to any attempts. They keep threatening lawsuits but I continue to stand my ground and request, over and over, proof that there even was an original contract for the debt that they bought. They give me no information other than n alleged billing statement from an original creditor, sill without my signature.
Back in XXXX or XX/XX/2012 I moved out of my house where the cable was being provided by XXXX. When I moved out I took all the equipment to the XXXX office and  returned what was needing to be returned and paid whatever I was billed. I thought everything was fine, never got any bill, documentation, ect. Until I received a very nasty phone call about a year later that I owed them because I didn't turn in my equipment. I told them that they were incorrect, they wanted a receipt showing otherwise. We were a year removed from me turning in the stuff, I didn't have the receipt. So, I went round and round and told them that I wasn't paying them the money. Its the principle of the matter, they have messed up my credit score and there's nothing I can do about it. The will not take a payment and delete the collection trade line from my credit, only will accept the payment. I need the collection removed. I did nothing wrong here, and feel like a victim of there improper record keeping. I'm trying to get a house right now and this is keeping my score lower than it should be. its gon na end up costing me big time over the life of the mortgage I'm trying to get because I'm having to take a higher interest rate. I know a lot of other people that XXXX has done the same thing to and it isn't right at all. Please do something about this, not only for me but for all those affected by this terribly managed company. 

Thanks
I pai d off my Bank Of American cr edit card in full on  XXXX  for amount of {$790.00} and there was not outstanding balance and i did n't make any other purchase since then. But on  XXXX  they took {$790.00} from my savings account. When i called customer service about the issue, they said I was charged multiple times. I requested them to refund the amount to my bank account and currently i 'm waiting for the refund.   My issue here is that why would they charge me multiple times? I 've never seen this happen with any other credit card provider. Now i have to wait 5 days for them to refund me.What if I needed the cash urgently? what if my account was overdraft?
I previously filed a complaint stating that the collection debts on my credit report were incorrect and they were removed by  XXXX  and  XXXX . However, Experian still maintains these collection debts on it credit report.
Bank Fraud, Wire Fraud and Elder Fraud to start. This is a amendment to complaint XXXX. This is not a duplicate. I am part of the the trust which co-trustees are my Mother XXXX XXXX and XXXX now chase bank. It is on page XXXX of the Agreement of Trust. It states that I am 10 %. This was all previously submitted.
In XXXX 2016 XXXX XXXX sent an email to renew my subscription. I replied to say NO. They charged the money to my US Bank credit card anyway. I called US Bank for more than an hour and a half, no one answered the phone. I called XXXX XXXX, they agreed to pay back the money, but refused to pay back immediately.
On XX/XX/2018, I mailed a letter to Great Lakes loan. In the letter I asked to make extra payments in exchange for the letter of indebtedness. The letter of indebtedness is the Mastery Promissory Note. I have doubts about this loan and whether or not it belongs to me. Great Lakes responded to my letter dated XX/XX/2018, informing me of the numerous options for paying the loan. Then Great Lakes loan suggested that I logon to student loans.gov to obtain the Mastery Promissory Note.

I did what Great Lakes loan suggested and I logged on to  studentloans.gov. I clicked on Mastery Promissory Note which read No Record Found. I mailed a second letter on XX/XX/2018, asking again for the letter of indebtedness ( Mastery Promissory Note ). Also I attached my results found on student loans.gov. Great Lakes response dated XX/XX/2018, saying they need clarification of what Im asking for. I believe that Great Lakes loan is giving me the runaround about the Mastery Promissory Note. I cant seem to get a straight answer with them. I want proof that I owe this loan. I want to see the alleged signature that I signed.
I had {$20.00} debited from my account for a " non-conforming image '' apparently because the camera in Citizen 's mobile app captured a " bad image '' of what I believe was a computer generated check. I deposited the check on XX/XX/XXXX, and got a generic letter dated XX/XX/XXXX ( on XX/XX/XXXX well after I'd destroyed the check ). 

I was also assessed {$310.00} in overdraft fees ( $ XXXX/each ) -- {$70.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$70.00} on XX/XX/XXXX -- because 1 ) automated debits into my children 's college savings account, ( XX/XX/XXXX ) and 2 ) a student loan payment ( XX/XX/XXXX ) -- processed as 5 separate ACH 's even though it all goes to the same place -- overdrew my checking account. 

I acknowledge that I bear some personal responsibility for this ( most especially the autodebits for college savings ; my bad! ), but I feel that 1 ) notifying customers by form letter over 2 weeks after they used your mobile deposit " service '' is terrible customer " service, '' ( I spent 40 minutes on the phone and had to speak with a supervisor to straighten it out ) and 2 ) because assessing 7 overdraft fees for a student loan payment seems well over the line. I almost can't wait to end my 13 year customer relationship!
In the month of XXXX I had some checks printed out from my bank at Navy Federal Credit Union at the XXXX XXXX XXXX, XXXX, CA XXXX location. Since the checks were given out I issued out approximately XXXX of the sheet of checks given to me. Upon writing out my fourth one I noticed that the check had my full social printed on it. I contacted them through XXXX message and had a representative tell me someone would contact me regarding the issue. I spoke to a gentleman by the name of XXXX ( incident:XXXX ) and he apologized for what happened and kind of suggested what I should do. He then offered to send me a box of complimentary checks. I also went to the branch personally and spoke to the person in charge at the time because XXXX had gone home for the day on XX/XX/2017. Once again they offered their apologies and suggested I should do all these things and pay for all this monitoring. ( The lady I did speak to did offer to reimburse me for any credit monitoring I elected to do ) My concern is with the fact that my social was printed out. When speaking to them I felt that I was blamed for the situation because the checks were in " my possession '' when those checks were written out but admitted guilt that it was a teller error. This is a mistake that should have never happened. I was explained as to why it happened, and in my opinion it should be 100 % preventable. There should n't even be an option for full socials to be printed out on a check. Even if it is an " old system ''. We live in a time where full social are not even really required anywhere just the last XXXX. For the reason alone that it is sensitive information. However, I was made to feel that it was n't really a big deal and that all I had to do was notify the credit bureaus of the situation and get credit monitoring. They assured me that it 's nothing to worry about that no one would really see those checks besides the person I gave them too. However, I find it hard to believe. One of the checks I wrote ended up being an NSF. He got a mail in the letter with a picture of the check and my full social appeared on it. So everyone who saw that letter had the opportunity to have seen my social. I would like for this to not happen again. And I would like a real resolution for this incident. I have a voided check still in my possession as proof as well of a copy of that letter that the person I gave the NSF check provided me with.
This company keeps calling my job & I dont know them & I owe no one. They are also sending robo calls I have proof if needed
I was directed by my employer to use my XXXX XXXX card for business and the company went chapter XXXX and did not reimburse me. ( that is what I was told ) Then I was forced to sign a judgement under duress, while my husband was XXXX from XXXX XXXX. This is only a partial explanation of what exactly happened.
I have XXXX collection accounts by XXXX, XXXX and XXXX. The Account History on both shows debt included in Bankruptcy on XXXX XXXX XXXX. My bankruptcy was filed on XXXX XXXX, XXXX, the Chapter XXXX was converted to a Chapter XXXX and discharged on XXXX XXXX, XXXX. The Bankruptcy ID number is XXXX. 
My attachment will reflect this. I have disputed this information but they refuse to update the correct date. I did n't file bankruptcy in XXXX, it was back in XXXX. 
On XXXX it lists Account History shows debt included in Bankruptcy on XXXX XXXX XXXX, which is the discharged date, not the date the bankruptcy was filed on XXXX XXXX, XXXX.
This is a follow-up to my original complaint filed through CFPB, which was answered by the Bank. I have included detailed descriptions in this submission. This complaint refers to Wells Fargo and their BSA in-compliance, resulting in a loss to myself, and my business. See the attached submission