WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX XXXX and I notice that someone open or use this names on and are in my Experian credit report. also a XXXX XXXX XXXX for bill for collections that I did not authorized. Therefore my e-mail is XXXX and my contacts are cell # XXXX and home # XXXX. Sincerely yours truly, XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 {$590.00} {$590.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX A XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX
Good afternoon, I would like to let you know about my experiences with Navient. They have coerced me into using forbearance instead of paying the {$5.00} per month as I had attempted to do for the last few years. It was never offered as an option to me. Please contact me if I can help you in the lawsuit you filed. I also am considering a lawyer of my own. If you can kindly recommend one for the city of XXXX, please contact me immediately. 

Best, XXXX
I am steady receiving harassing, threatening, abusive telephone calls, and death threats from Wells Fargo Bank debt collectors for a debt and checking account that do not belong to me. I have never applied or opened a checking account with Wells Fargo Bank. The checking account was opened in my name illegally and fraudulently, because someone stole my identity and personal information. I am a victim of identity theft.
The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  XXXX  to report the same account for {$1.00} more than what was reported before.
Chex Systems has reported inaccurate information on my consumer report id number XXXX. Chex Systems also has Americans information at call centers out of America which is a violation of the Patriotic Act. Chex Systems has violated the Federal Fair Credit Reporting Act by committing Financial Deformation and providing adverse, inaccurate information.
On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my financial/banking information for additional payment ( s ). It is unclear to me whether or not this information of mine can be assimilated to other accounts/websites for access to my checking account. I have made multiple inquires to XXXX XXXX to have this information removed. They stated the payment was done by a third party service, XXXX, offered by Western Union. They also stated they are unable to remove my information from their website and that only XXXX/Western Union can do so. I have made many many requests to XXXX/Western Union to remove my information, and it has yet to be done. I have been told my case was escalated and to expect a call from their office in either New York or Colorado. After over 45 days of my calling back perhaps 3 times weekly on this matter, I have yet to hear from anyone. My information was posted immediately. I can not see why the removal of my sensitive banking information should take this long. The representatives have been rude, refusing to let me speak to a supervisor. I do not want my banking information held hostage on a website with public access. I do not think this is an unreasonable expectation. The account number it was posted to is : XXXX. Account holder is XXXX XXXX XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/Western Union is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as Checking XXXX XXXX.  There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.
I was charged a late fee on an account by Citibank because their homepage made it seem as though a pending charge was included in the current billing period charges. This was extremely misleading and I was unaware that I had not paid the bill in full when I was notified a month later that there was a late payment on my account. I was understandably upset at this. When trying to resolve this, I kept getting the " our policy '' and we can not reverse a legitimate fee. After asking for a one time customer courtesy to reverse the late fee, they declined. So I have since cancelled the card. Similarly, their homepage does not reflect pending payments and pending payments do not show up in their transactions page. Nor is it apparent anywhere except through clicking payments, view scheduled payments and history. When logging into their homepage, I could be deceived into making an additional payment since the one I made is not clearly nor readily identifiable. Now this was an electronic payment through my bank that is still not being posted? It feels like they are holding payment until end of day to possibly extract additional fees, charges, etc. I thought they had to post payment when the received to prevent these types of shennigans. I thought this type of behavior was forbidden?
XX/XX/XXXX I was given 3 credits for an Overdraft line of credit that had equal XXXX. The amount of XXXX credit was given and then XXXX was debited leaving XXXX credited for an line of credit on my checking account. I repeatedly had gotten collection letters from Citizens Bank. I was so fed up I decided to pay them on this closed account XX/XX/XXXX thru the XX/XX/XXXX. The company even accepted responsibility and found their mistake. I just keep getting transferred over and over again explaing over and over again with no resolution. I have paid XXXX on an already credited account. They meaning Citizen Bank, have reported on my credit reports that I had not paid them at all on a credited account. The mistake was admitted by a XXXX at Citizens bank. I have yet to have this resolved and they just keep brushing this off on different Depts. Explaining over and over again with no resolution. They are trying to charge me a 3rd time something already paid for. Credited in the amount of XXXX paid in the amount of XXXX and now wanting me to pay again for it
I had a total loss of my XXXX GMC Terrain on XXXX XXXX, XXXX. I contacted Santander, my lien holder and advised. I was told that I will have to get payoff from bankruptcy court and I was told to have the insurance contact them. I was also told by XXXX with Santander bankruptcy department that any interest accrued after the loss would be taken care of. The insurance company contacted Santander and they gave a payoff of around XXXX. Once they received the XXXX from XXXX insurance they continued to add interest to the account. So when Gap insurance paid XXXX a balance of XXXX was on the account. The money paid on the account was based on the payoff amount provided by Santander. I received a call from Santander requesting payment XX/XX/XXXX. I questioned why was I not contacted before now. Also why would a totaled vehicle continue to accrue interest when company gives a payoff amount. Clearly with a balance over XXXX means the true payoff was not over XXXX as stated by Santander Representative.
This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account.

I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items removed.
on or  XXXX   XXXX   XXXX   XXXX , transunion and  XXXX  took information from a  XXXX   2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of   XXXX   of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.
I have attached a copy of the status page from Transunion. By law, they have exceeded the the 30 days allowed for the verification of this item. Transunion must now remove this item immediately.
I have been dealing with this matter for the past couple years. This outstanding student loan balance was originally satisfied and closed. It reappeared on my credit and equifax deleted it but now its another account through same lender. This information being reported is incorrect and this account is still reporting on my credit even though the status says closed. I have supporting documents to show when it was deleted before on my credit monitoring site.
Hello, This is regarding an incorrect late mark on my credit report by Macy 's. Macy 's removed my auto pay set up with out my consent. I received a call from them a month later stating that I had a late payment for XXXX 2014. I talked with the rep and we did digging to find out why the auto pay got cancelled and she confirmed that Macy 's canceled it on their end. She mentioned that the auto pay got cancelled because my minimum for prior months was XXXX ( of course because I did not use it those prior months ). The minimum payment should have been documented as XXXX ; not the cancellation of my auto-pay. The rep agreed and removed the late fee that resulted from this error ( see the XX/XX/2014 attachment ) and took the payment from me. I reviewed my credit this XXXX and found the late mark from Macy 's still on there despite the fact that this should have been resolved last year. I have contacted Macy 's several times regarding this and they have been very rude and. I then proceeded to dispute this information. The first time I only had a description of the issue on the dispute and they responded " current and 30 day late payment ''. This was not my fault and was an error on their end. I then disputed once again and called the credit bureau to see if there was any way to send attachments as proof. They let me do that. Macy 's did not look at this information and responded to the dispute with a " " blank space. No comment, no explanation, no nothing. I have attached these documents and decided to file a complaint on them. Their approach is completely inappropriate and their negligence to review all supporting documentation that came with the dispute is unacceptable and leads me to believe that they are not willing to take responsibility of their mistakes.
The CBE Group , Inc. has continued to call me in an attempt to collect a {$27.00} debt that is not mine. I have instructed them by mail, email and by phone that the debt is not mine, that they are not to try to contact me further and that I have verified with XXXX that the account and debt in question is not in my name or related to me in ay way. I instructed CBE Group to follow up with XXXX and I also copied XXXX on the letter. The last call today came from XXXX ( XXXX GA ). The person from the collection agency refused to give me their name and continued to try to make a collection attempt even after I had told them that I had request in writing that they were not to contact me further to try to collect on a debt that was not mine. I have blocked numerous numbers associated with CBE Group but they then call at least once a day from a similar but different number.
In XX/XX/XXXX, I asked Southern Management Systems to validate a debt I supposedly owe them, but they did not properly validate the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As part of validating this debt, I asked for an agreement with your client that grants you the authority to collect on this alleged debt, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor, any insurance claims been made by any creditor regarding this account, any Judgments obtained by any creditor regarding this account, name and address of alleged creditor, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date this alleged debt became payable, date of original charge off or delinquency, verification that this debt was assigned or sold to collector, complete accounting of alleged debt, commission for debt collector if collection efforts are successful. Southern Management Systems failed to provide me with these documents along with an agreement with my signature stating that I agree to pay them any money. Also, the letter I was sent has two different names and an unknown address on it making this debt invalidated and unverifiable.
I have a Discover credit card account, and on my statement I noticed a purchase on XX/XX/2017 from a clothing company in Arkansas. I did not recognize the charge. I immediately notified Discover and they began an investigation. On XX/XX/2017, I received communication from Discover stating that " The dispute was previously resolved in your favor, but after reviewing this new documentation ( from the merchant ) we 've determined that the transaction is valid ''. I have also reviewed this " new " information provided to discover from the merchant. On one page the merchant says it was a telephone/mail order. Then a hand written note states the order was made by e-mail. The merchant complains the charge back was invalid and now Discover has reversed its decision. A matter of note, much of the documentation from the merchant is unreadable due to small type and poor copy quality. Also, on one page the merchant is named as " XXXX XXXX '' and on another page as " XXXX XXXX XXXX ''. The purchase in question is listed as clothing. I absolutely did not order clothing from this company. I do n't see anything new here, just contradictory information and/or statements. Discover also states, '' We are required to report your account to the Consumer Reporting Agencies as a disputed account ... '' This appears to me as a muted attempt to intimidate the customer into removing the complaint.
I recently applied for a car loan but was denied because of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that still appear on my credit report as paid late. The accounts were disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the accounts are being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
XXXX  XXXX XXXX, XX/XX/2018, XXXX card account application. 

Contacted the phone on the letter. Asked for SSN, but do not want to sure. No resolution. 

Examined credit card reporting history. Identify the hard inquiry from XXXX. Identity likely was stolen. 

report identity theft fraud. Credit card application without my knowledge.
In XX/XX/XXXX SunTrust Bank received a wire transfer payment of {$160000.00} to the attention of our company. SunTrust never forwarded the funds to us but credited the funds to another partys bank account. SunTrust never contacted us, the sending bank or the payer about possible inconsistent wiring instructions. After multiple outreach by us, the payer and the payer 's bank, SunTrust confirmed on XX/XX/XXXX with us and the payer that it had the funds and SunTrust requested the payer to complete one additional form to return funds to it, which the payer did. On XX/XX/XXXX, SunTrust informed us the funds were not forthcoming and payer needed to ask its bank to contact SunTrust 's Fraud Divisions for the two banks to resolve. Since SunTrust staff and executives ( we sent letters to senior executives by XXXX with receipt required when lower staff did not respond ) have been aware of this complaint for months, it is ridiculous that SunTrust is now requiring payer bank to contact yet another SunTrust unit to investigate claim.
I purchased a XXXX gift card from XXXX for {$500.00} - I was unable to use it and I called the number on the back of the card and they said that it was not activated. The gift card representative told me to fax information on the front and back of the card, as well as any receipts. I faxed this information to the gift card company on XXXX. This morning, on XXXX, I logged onto the gift card management website at XXXX and found that all of the funds from the gift card have been used with the following retailer : PURCHASE XXXX XXXX # XXXX XXXX CA XXXX ''. I did not make this purchase - I would like to obtain some kind of refund of the {$500.00}.
I recently submitted a complaint to CFPB on XX/XX/XXXX since I was given a loan modification by Ocwen Loan Servicing Company ( Complaint No. XXXX ). Therefore, since I was granted a loan modification and accepted the Streamline Trial Period Modification I was reassured once again by the Relationship Manager XXXX XXXX XXXX that the foreclosure case would not proceed. Please keep in mind that this foreclosure action was dismissed in XX/XX/XXXX and signed by the XXXX Supreme Court Judge XXXX XXXX on XX/XX/XXXX ( Index No. XXXX ). However, on XX/XX/XXXX the attorneys for XXXX XXXX XXXX and XXXX did not remove their motion to restore this foreclosure case even though a Consumer Financial Protection Bureau XXXX HOLD '' applies to this action. The attorneys for Ocwen wrote a letter to The Honorable XXXX XXXX of XXXX Supreme Court on XX/XX/2018 informing him of the CFPB " HOLD '' applies on this case, and it was XXXX -filed on XX/XX/2018. I Quote the letter by Attorney XXXX XXXX " We have been advised by Plaintiff, through its servicer, that an active Consumer Financial Protection Bureau ( hereinafter " CFPB " ) hold applies to the Action based on loss mitigation activity. The subject hold takes into consideration any appeals, as stated in 12 CFR Section 1024, which may be taken by the borrower. '' " In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time it prepares to foreclose on the subject property. See 12 CFR Section 1024. '' " Accordingly, Plaintiff respectfully requests that the pending motion practice is held in abeyance while the matter remains on a CFPB hold. We thank the Court for its time and understanding '' ( END QUOTE ).

When I spoke to Miss XXXX my relationship manager at Ocwen today XX/XX/XXXX she told me that their was a foreclose hold on this case, but when she emailed me today she stated that there was a foreclosure sale hold on my case. Please keep in mind that this action was dismissed and not restored, and there is currently a motion pending to restore this case. However, since I accepted a Streamline Trial Period Modification their motion to restore must be removed, immediately. Ocwen is violating RESPA Regulation X. Sincerely, XXXX XXXX
I have 2 private installment loans through Navient that have defaulted due to Navient 's refusal to work with me on an affordable payment plan. My loan became due shortly after graduation in XX/XX/XXXX,  and after exhausting all deferment and forbearance options, they offered me a very unreasonable Income Based Repayment plan of over {$500.00} a month. I begged and pleaded with them to see if we can look up any other options and they flat out told me NO. They simply said that if I can't make the suggested payment, then my loan will go into default status, and ruin my credit. 9 years later I have two charged-off accounts that Navient sold to a debt collector about 2 years ago, when instead it should have fallen off of my account after 7 years in the Charged-off status. Once defaulted, and over the period of 9 years, I have gotten harassing phone calls multiple times a day beginning around XXXX and not stopping until well after XXXX every single day. Once Navient sold the loan to a debt collector about 2 years ago, the debt collector scared me into making interest payments of about {$120.00} a month. That continued on for about 6 months before I simply could not make the payments any longer. The debt collector used scare tactics such as taking me to court, suing me, as well as garnishing my wages and taking my tax return. If Navient initially offered me a reasonable payment plan, I wouldn't be in this mess to begin with. Instead, they insisted that they couldn't help me and basically forced me into a default status ruining my credit. Because of these 2 private loans, and only these 2 private loans, I am unable to purchase a home of my own, and have been paying double in rent than I would be paying on a mortgage. One private loan had an initial balance of {$16000.00} and has since skyrocketed to {$35000.00}, while the other private loan had an initial balance of {$12000.00} and has since skyrocketed to {$25000.00}. These new balances include late fees as well as interest. I also have federal loans through Navient, and because they are Federal, I had been given way more options to relieve high payments. While since the beginning of XX/XX/XXXX or earlier, I have been given the option of an income based repayment paying {$0.00} every year. My Federal Student loans, however, are on hold with Navient due to government investigation of the loans as well as the school that I had attended. This school has since been shut down, making my credits towards classes as well as degree null and void. Since attending this school, they have sold it to a different company which has shut down all classes pertaining to my degree, and will be shutting their doors in the very near future, if it hasn't happened already. This school was also never honest about these private loans and never disclosed what a payment would be upon graduation, nor did they inform me of how few options I had to pay these loans back. They certainly never explained that they were different from Federal Loans.