WillisBack/dataset-financial-user-claim huggingface dataset:
I received my XXXX in XXXX, XXXX in XXXX and injured at work in XXXX. I am unable to pay the XXXX of student loans since I have n't been working. Please email the process, links and information to file for the lawsuit against XXXX. 

Thank you for your prompt attention to my request. 

XXXX XXXX XXXXXXXXXXXX XXXX
I was at the casino. I left my purse on the table and turned around and when I returned, my card was gone. I believe someone is pretending to be me and I am a victim of Identity Theft. Please investigate this matter.
I requested validation from this company that includes my signature. The company sent a bill statement from XXXX XXXX in which I never had an account with.

Ive also sent a certified letter on XX/XX/18 request that this company cease with the telephone calls and hey have violated my request by calling two times a day after the letter was delivered.
A XXXX XXXX acc. closed in 1997 is still on my report. Untill I closed it due to divorce it was always paid on time.
My personal information was compromised from the XXXX XXXX XXXX XXXX XXXX XXXX data breach that occurred on XX/XX/2018. I reviewed my Experian credit report and there are fraudulent and unauthorized credit inquiries listed on my Experian credit report that are fraudulent, unauthorized, not mine, and from the XXXX XXXX XXXX XXXX XXXX XXXX  data breach. The Following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, XX/XX/2018, and XXXX XXXX XXXX, XX/XX/2018.
This debt was already paid actually it was paid twice. They took off XXXX credit company, but not this one ... not sure about the XXXX. The debt was paid directly to the company I owed it to, it was for about {$71.00}. I get many calls, many times a day. I did ask them to check into it and they were rather rude. They also told me they would send it to a lawyer and I was threatened with a lawsuit ... ..
My mother 's name appears on my credit report and I 'm not sure if any of the accounts that appear are hers.
i am going for the mortage process, and i requested the credit report, once i receieved it, it doesnt show my credit score and i also see my brother name, social security number and address shown it on my credit report. also some addition address shown in my credit report as well.
i am seeking assistance from CFPB regarding my CrediXXXX that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} Discover - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
re ; complaint # XXXX ... ypu have recieved..i forgot to give you their phone # XXXX and address no physical e-mail Discover.com/XXXX invitation code : XXXX ( really )
On XX/XX/2017 from CBNA repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report And this inquiry address shows on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX
Hello, There was a unauthorized bank withdrawal transaction to my account and after the fact my direct despoit check ; from my XXXX Job is gone because the bank says I owe them money. Please help me get my XXXX plus dollars back.
My cash back XXXX card did not credit me with the correct reward dollars I accumulated in XXXX. This card is issued through First Citizens Bank. I have been told that it is being " researched ''.
once again citizens bank has charged my account an an overdraft fee that should not apply. I find my experience with Citizens bank exhausting. Upon looking at my account this morning I discovered I had been charge 2 over draft fees equaling XXXX dollars on 2 transactions one dated XX/XX/18 a transaction went thru for XXXX wich left my account with XXXX cents my second transaction which posted latter that night from XXXX for XXXX. XXXX left me negative XXXX cents but citizens charge me for 2 over draft fees Maybe some one should start looking into this bank. Something seem very shady about all of this. It has been becoming a job to make sure my own bank is not over charging me for fees someone please help
Hi. My loan recently was bought and transferred XX/XX/XXXX. Before the loan was transferred to the new servicer, the previous servicer approved us for a loan modification. ( HAMP I believe ). I received a letter that we had been approved, dated XX/XX/XXXX, and our loan was transferred on XX/XX/XXXX. The new servicer/investor is refusing to honor the modification. What can I do. We really need this modification or we might lose our home
credit card from fl. XXXX XXXX had an agrement to take {$150.00}. out of my checking acct. very month, on XXXX/XXXX/XXXX they took it out but also on the XXXX, they took unarthorize amount of {$750.00}. have called over a week said no money then said would credit wish they have not done. it made my checking acct. to be overdrawal {$750.00}, can u help me
XX/XX/XXXX, my payment was lost. When I called customer service I was greeted by a nasty customer service respresentative who refused to help me. I then called the office XXXX, XXXX New Jersey, as Hesaa is a state agency. They told me that there was no one who oversaw the agency and no one to file a formal complaint with. They then transferred me to someone within the agency. I spoke XXXX and also emailed with them. Neither of them was responsive. At that point I made requests to have the notes on my account released to me. I have in writing that they would do this. This began XX/XX/XXXX. I did not receive the notes until I reached out to the Office XXXX XX/XX/XXXX. I was told XXXX, that I was not ignored, but I should be happy I received the information. I sent monthly emails XXXX with no response or limited response. He only responded to me once XXXX office told him that I had reached out to complain during her lunch break. I received an email from him a half hour after his lunch break. I also requested my records XX/XX/XXXX, which was documented in the notes provided to me by the XXXX of the Ombudsman. When I spoke with him on the phone he denied that I requested the information XX/XX/XXXX. The notes state that the information was sent to me, which is a lie. I never received any correspondence from Hesaa at that time. I also inquired why phone calls were missing from the notes. He stated that was all they had. The phone calls that were missing were when Hesaa made errors on my account. Hesaa has refused to provide in writing that they made any errors, even when they misapplied funds. They are also refusing to admit that my requests were ignored. They are unresponsive, unprofessional, disrespectful and lack common courtesy when dealing with the public. There is also an environment of cronyism. The Office XXXX is more in the business of covering up mistakes of its employees than investigating their wrong doing. In searching XXXX background he worked for a mortgage company, I do n't know that this qualifies him to be the Chief Compliance Officer for a State Agency for student loans. Also, the director of the agency is appointed XXXX. Is it a coincidence that the director went to the same XXXX school as the Chief Compliance Officer? Also how is there no one to file a complaint with against the agency in the state? Also, should n't the office XXXX be separate from the other staff? How is someone from the office XXXX XXXX XXXX mentioning my case to another staff member XXXX XXXX XXXX XXXX during lunch? Is this appropriate?
My credit report has a fraud alert place on it and credit bureaus keep letting creditors check my credit with out my approval as in the last 3 month I have not apply for anything and XXXX XXXX XXXX  XXXX XXXX I called them to let them know that its not me and I was a victim of identity theft in XXXX only thing I apply for was XXXX  and XX/XX/XXXX all other inquiries not me so please help me with the credit report agency theyre reporting the wrong things on my credit report that unfair to me that why I placed the fraud alert XXXX XXXX
I am a XXXX year old veteran who served the United States XXXX during the XXXX XXXX. I am also a XXXX XXXX XXXX XXXX  XXXX. I have served my Country and Community my entire life. I am currently a XXXX   XXXX. I have been unable to get my Mortgage company to send my statements to my correct Residence in XXXX XXXX XXXX instead of another address where I do not live XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The correct address is the Property Address. I very rarely see my mortgage statements because I do not know how to use a computer correctly. My son has set up an automatic payment so we can prevent further issues but in the mean time since I was not receiving my statements this caused me to miss 2 payments this year XX/XX/2018 and XX/XX/2018. I was sending my payments through mail when I would remember to do so because I was not getting my statements so I didn't know when to send. I am now in need of major medical XXXX and I need to be able to get some cash out of my one of my houses and cant now because of this issue. If it is not resolved in a timely manner I may die. Please help
On XX/XX/2018 I submitted a request for equifax to correct information on my report. Such as XXXX XXXX XXXX. It came back as verified. I need to know how they verified this information? They sent me back a form letter today XX/XX/2018. 
The dispute process requires the CRA to refer a copy of the dispute to the furnisher of the disputed information, and to receive a copy of the furnisher 's investigation. 
I am then entitled, under FCRA 611 ( a ) ( 7 ) to request a description of the procedure used by the CRA, which must include the name, address, and phone number, if available, of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I didnt get that. I got a generic letter. What they did do was add a fraud alert on my file that I didnt authorize. I am trying to understand how it is my file, but they can add a fraud alert without me knowing. And they sentbthis information to other credit reporting agencies. Which is causing a big mess in my home buying process. I want the fraud alert removed immediately. I want XXXX XXXX removed. This account has not been verified in over 30 days. The other credit bureaus have removed this account because of lack of being able to verify it. Why is it still here. Why am I being penalized for their errors at equifax. My files were split. They keep telling me that I had no collections. Then in XX/XX/2018, I suddenly received notifications that I now have collections. They have brought me to the point of wanting to proceed with legal action for ruining my reputation.
Opened both Savings and Checking accounts with Sun Trust in XXXX XXXX, XXXX. Requested regular XXXX credit card. Was given DEBIT card which looks exactly like credit card. Agreed to Overdraft Protection. BUT SunTrust " protects '' my account before I make a purchase, then charges me {XXXX} per deposit PLUS {XXXX} for " Overdraft item fee. '' I AM ATTEMPTING TO USE THE XXXX, NOT THE DEBIT! I am XXXX, living on Social Security, unable to pay these fees ( e.g. current statement : {$XXXX} in fees for accounts with less than {$XXXX} in each. I am a XXXX XXXX and hold a XXXX XXXX XXXX from XXXX XXXX, so am angry at this " bait 'n switch '' tactic. Have written yet again to the office in XXXX
I am extremely concerned about XXXX's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a $XXXX fee to freeze and unfreeze each one of my credit reports. What's more, these credit bureaus don't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99% of the identity theft. Currently, it doesn't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay $XXXX to attempt to access a credit report, it would cut down that activity significantly.
This is in reference to previous case XXXX. Company deleted erroneous negative debt and then added a dollar to amount an reposted it to XXXX.
Equifax reportedly compromised my SSN, name, birthdate, address, drivers license numbers and credit card information. This occurred due to the Equifax inadequately secured this information in there database allowing this vulnerability to be accessed and made publicly available. Information about the breach was announced on Friday XXXX XXXX, 2017 and currently the company has only allowed me to view the information that my information is compromised.
Vehicle was surrendered XX/XX/XXXX this loan was discharged in chapter XXXX bankruptcy XX/XX/XXXX.
Yes, on XX/XX/XXXX, I sent a Goodwill letter to the CEO, XXXX XXXX XXXX, I explain to him that I was in a consolidation program back on XX/XX/XXXX, and my payments were being made on time, from the time that I started the program I received notices from the XXXX XXXX that my balance was XXXX, I was told during the program that for 1 year I would not own any money for my student loan, I never heard anything from the company that I did the consolidation with so that I could renew the program after that year. I received another statement from the XXXX XXXX XXXX, and it showed that I owed around {$750.00} for a monthly payment, well I was in shock, I tried reaching out to the consolidation company, but with no luck, they had went out of business, I reach out to another company, but in the mean time I was going into default with my Student loans. I sent the CEO a good will letter, because me and my husband want to purchase our first home in XX/XX/XXXX, I poured my heart out to him regarding the situation at hand, now I know that plenty of people have sent goodwill letters regarding their student loans reporting late on their credit reports, and the late payments were removed from their reports. I really need this because, we may not have a chance of purchasing a home with this showing on my credit reports. I received a letter back from supposedly the CEO, XXXX XXXX XXXX, and they refuse to remove it, now if your going to do it for other people, why could n't I have mines remove as well, I 'm not trying to get out of paying, I have joined another consolidation company, and my loans are being paid as suppose to as of this date, I was just asking for a little help to get my credit looking better, I do have the letter that was sent to be regarding their decision to not honor my request, I guess what I 'm saying is show favoritism for others and if you wo n't help someone who took the time to send a Goodwill letter to you regarding needing help so my family and I can become home owners.
I co ntacted Caine and Weiner o  n   XXXX   XXXX  2017  re garding a collection account debt on my credit report which is not mine. I sent a letter certified/read receipt which they accepted and signed for. For    XXXX  2017 ,   the collection account debt was removed from my credit report.. However, it reappeared on my  XXXX  credit report.
I purchased my vehicle from Credit Acceptance Corporation in XXXX 2013. I recently fell behind on my payments by 45 days. On XXXX XXXX around XXXX XXXX XXXX. they repossessed my vehicle. I was supposed to be notified by letter 24 hours prior to this according to NY State law. The person who picked up my vehicle said to give him a call when I paid and I could pick it up after the loan company sent a release. I called Credit Acceptance immediately and was told I owed {$670.00} ( XXXX payments plus late fees ) I made and arrangement to pay on XXXX XXXX, which I did ( less than 48 hours later ). I was told by the loan company that I could pick up my vehicle and to call the towing company to make arrangements. When I called I was told that my vehicle had been picked up by the auction company that morning. I made 5 more calls to Credit Acceptance on Friday trying to locate my vehicle. I was first told it was n't at the auction house yet. I requested an address, which they said they could not give me. I was then told they could not contact them and Someone would call me back, which they never did.. Finally I was told that they were closed for the day and to call back Monday. I called 3 times Monday XXXX, XXXX, and XXXX XXXX finally getting my vehicle released. I was told it was now in XXXX, NY ( XXXX miles away ). I made arrangements to pick it up Wednesday XXXX. I was told that the plates had been removed and to contact the towing company in XXXX, NY. My issue is that I had to make a total of 13 phone calls, I was charged {$40.00} to get my plates and personal effects back from the towing company. I now have to take an afternoon off work to travel to XXXX, incur fuel and toll charges AND I was charged an additions {$85.00} by my loan company for transportation.
This company has completely ignored my dispute to delete addresses that are not mine. I have disputed this for the past 9 months with no results.
I researched credit cards which offer no-fee balance transfers, with an introductory no-interest period of time. I found several choices, and I have the credit and income to be selective. I decided on American Express and applied for and received the Amex Everyday Card, with a credit limit of {$25000.00}. After I received the card and set up my online account, I attempted to transfer a balance from another credit card, but I was prevented from doing so. I was told that there is a " balance transfer limit '' of {$7500.00}, in spite of the fact that my credit limit is {$25000.00}. I was aware of this, so I called and spoke to a representative. I was told this can not be changed. I asked where this information appears in the application process, and I was told it is in the " terms and conditions '' somewhere. I explained that I would not have opened the account had I known this. It is absolutely not clear in the application process. It may be there somewhere in some way, I assume it is now that this problem has arisen, but the application process is clearly designed to effectively hide the separate " balance transfer limit '' from the consumer, which is less than 1/3rd of the " credit limit '' and which can not be changed under any circumstances whatsoever.
First paperwork i did was 33 pages i filled out that XXXX XXXX sent me do and copied digitally to my email at library, XXXX printed them and sent them to Wells Fargo. 

Later on i went to XXXX XXXXk and hot current statement which was 8 pages sent to them. 
I sent copy of my income tax, I sent them the social security award letter {$1500.00} which is my only income. 
I sent copies of electric bill and my medicine etc. 
I would have been in a better situation if they had let me start paying something, My amount owed just grew and grew. 
Back in XX/XX/2017 they would not let me unless i paid them all owed. My only money i got every month was social security which does not leave money for mortgage payments, That is not there fault but if they lowered my payment to {$900.00} a month i would have paid them every month. I still want to pay them but i can not back pay. I could start paying them {$800.00} every month now and try to send more if i can spare. 
Thanks for your time. I have sent messages for a while on their site to let me start paying but no response, if i get moved out on street XX/XX/17 XXXX i don't what to do!
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report
The balance on my Sears card XXXX issued by Citibank keeps increasing, even though I never use it anymore. This month the minimum due is {$520.00} on a balance is {$9300.00}. I pay {$300.00} each month, but the balance does n't seem to change. I contacted the credit card company asking for a lower interest and lower minimum payment, but they responded that since I was no longer charging anything from Sears, the rate would remain the same.
I originally applied for loan modification, but was denied, then I agreed to a repayment plan and the rep ( XXXX XXXX ) who is RM on file and he said he would get the repayment plan approved by his manager and get back to me. 20 days later still have not heard from him, I called several times left message and other reps in the department said he would have to help me, then took his manager number who is XXXX XXXX, left her message and still havent heard back. They are very unprofessional, my loan is in foreclosure accruing more fees everyday but yet no one cares to return my call and help me get out of deafult.
The problem is I consolidated all my loans due to interests accumulating just got higher and higher in the amount of XXXX. My loans from the schools I attended XXXX loans were higher.. I work for a non profit and I fall under all the criteria for public service and Navient formerly Sallie Mae and the Department of Education didn't help or any of there programs my payments are still out of my reach and I have a low paying job because non profits don't pay much and this situation is very stressful XX/XX/2018
I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX XXXX, XXXX XXXX XXXX, 01 XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, 01 XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX   XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX/XXXX   XXXX, XXXX XXXX   XXXX, XXXX XXXX   XXXX,
My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting Agencies ( CRA ) XXXX, XXXX, and Equifax. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been sending request that the ( CRA ) provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The ( CRA ) always state that they never received my supportive police reports or complaints.
Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section