WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2017, Bank of America closed our account after we had been a customer with them for 30+ years. They advised us that they were no longer interested in having us as a customer. 

Today, in our mail, I received a solicitation telling me that my credit is great and that I have been " preselected '' for a credit card. 

This is very confusing and upsetting. Last summer caused my husband and I financial and emotional hardship having to deal with switching banking institutions and now they are reaching out to me asking me to be a customer? This should not be allowed.
THE CREDIT REPORTING CONFIRMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. I SPOKE WITH XXXX FROM EQUIFAX ON XXXX/XXXX/2015 AND XXXX AND SHE VERIFIED THAT THE ACCOUNT # XXXX WITH XXXX XXXX XXXX XXXX HAS BEEN DELETED FROM MY CREDIT REPORT, BUT SHE DID NOT SHOW A SPECIFIC DATE OF DELETION. SHE STATED THAT SHE DOES NOT HAVE A SPECIFIC DATE FOR DELETION, BECAUSE IT HAS ALREADY BEEN DELETED. WHEN I VIEWED MY CREDIT REPORT, I NOTICE THAT THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT AND I NEED FOR EQUIFAX TO SEND ME A NEW CREDIT REPORT WITH THE ACCOUNT # XXXX SHOWING DELETED FROM MY CREDIT REPORT. IT IS NOT RIGHT THAT THIS COMPANY CONTINUES TO REPORT INCORRECT INFORMATION TO MY CREDIT REPORT WITH CONTINUES TO DRIVED DOWN MY SCORE AND DAFAME MY CHARACTER HAS A RESPONSIBLE INDIVIDUAL. IT IS THEIR DUTY TO PROTECT CONSUMERS, AND I DO N'T FEEL AS THOUGH I AM RECEIVING THAT PROTECTION.
I am continuing to have problems in getting a public record removed from my experian file with XXXX XXXX Clerk XXXX. XXXX continues to claim that they are verifying the Judgement through Lexis Nexis even after I received confirmation fro Lexis Nexis on XXXX XXXX that the Judgement was removed.Please find letter attached. I need lexis nexis to contact XXXX and send them an update of the judgement being removed from my lexis nexis risk file.
I purchased a new vehicle XXXX XXXX, 2017. I advised the salesperson that I wanted to finance my vehicle with XXXX XXXX. The dealership ran my credit through several different financial institutions without my permission.
I am appealing to cfpb for assistance in addressing my experience with PHH. I received a letter from PHH about the decision reached on my loan application denying approval because they could not obtain an acceptable appraisal of the subject property. PHH hired the appraising company and is accountable for the professional work product of their contractor. I am requesting that ALL documentation related to my application and the decisions that PHH made on this matter be provided to me with representation that no omission of documents have taken place. This document request is for both PHH created materials in addition to all external documents that PHH used in reaching its decision. I am extremely disappointment with PHH 's performance and the lack of being willing to engage me with a more expansive explanation than what I received when I called XXXX and then reiterated by XXXX 's supervisor XXXX XXXX upon notification that PHH was not approving my mortgage. Clearly the words on the bottom of their correspondence " If at any time you do not feel that I am providing exceptional service, please call or e-mail my supervisor, XXXX XXXX at XXXX XXXX or XXXXXXXXXXXX for assistance '' are simply a corporate feel good slogan and not something that is practiced and certainly not in my case. 
I first engaged PHH through my relationship with XXXX and XXXX remains an exceptional service provider to me. Even though I have been an outstanding customer of PHH since 2003 and financed XXXX homes and refinanced one a second time with PHH through my XXXX relationship, PHH has destroyed a meaningful customer/client engagement because of your handling of this matter. 
In that I immediately engaged another mortgage company for a loan on the same property the day after PHH 's rejection, that company hired an appraisal company, completed a comprehensive review of my application with them and still managed to clear underwriting and go to closing on XXXX XXXX. Same property, same market and economic conditions, same borrower! With this in clear focus I am requesting a FULL refund of all expenses that I paid to PHH because of lack of value in exchange for my money. I did not even receive a copy of the appraisal as stated as an entitlement in your " Additional Information About This Loan '' document. 
I believe that PHH has failed to act within appropriate legal requirements in my case. I am looking forward to CFPB assistance in receiving an expeditious response.
I was served with a Summons in Civil court by Gurstel Chargo P.A XXXX AZ in regards to a debt with XXXX. While I did have a credit card with them, it was paid on time each month & then paid off. I have not received a bill or phone call regarding any remaining debt in over a year. The first notification was this Summons. It threatens to garnish wages or seize property if not responded to.
To Whom It May Concern : I had a collection debt put on me by XXXX XXXX XXXX in XXXX, this account ( {$870.00} ) was paid in full in XXXX XXXX. When checking my credit report this account still shows up on my credit report as a correct account. How long does an account stay on your credit report before it is removed. I thank you for looking into this matter.
In XX/XX/XXXX, I contacted Navient to discuss my options of repayment on my student loans. I was told by the provider that I was not eligible for Income-based repayment, and instead would qualify for interest-only graduated repayment. At this time my loans had become overwhelming after a forbearance I was forced into due to my unemployment during the devastating XXXX layoffs. As I attempted to receive any relief from my provider, none was offered. In fact, it was difficult to hold a conversation with my provider whom did not seem to have the knowledge or desire to apply the best repayment program for my situation. It is only now in XX/XX/XXXX, that I called again to discuss repayment possibilities because I became aware of programs that apply to me that were never offered by Navient. And it is only now, Navient was more than helpful. As a XXXX I am eligible for Loan Forgiveness. I am also, miraculously, eligible for Income-Driven Repayment, which was denied to me before and will not do anything for me now that  Navient has collected all of their interest from my loans. It will actually only lengthen my payments to provide Navient with additional interest. I am very displeased with the prior service of my Navient provider. I missed out on very helpful programs that I was eligible for at the time they were denied or not offered. I made very large payments that were interest-only, only benefiting Navient and putting my family in turmoil. Navient has received a monstrosity of interest payments from my family due to their willful negligence of providing myself with the best suited repayment options and programs.
There are actually a FEW problems with the debt collectors XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 1 ) They are misrepresenting themselves. XXXX has been reporting to the 3 major credit bureaus, but all of a sudden, around XX/XX/2018, I get a letter from a XXXX XXXX XXXX XXXX , XXXX ( XXXX ) The letter is misleading and appears as though XXXX  are the NEW holders of the debt ; however, XXXX continues to report on my reports months later! 2 ) Alongside the previous, they are essentially trying to collect the debt from two companies ( and I have proof of this ). They are two separate companies with two separate addresses, yet one is reporting to the bureaus ( with their own address, mind you ) and the other decides to randomly pop up with a letter and I'm sitting there like 'who is this? '. In fact, I never signed a contractual agreement with EITHER company. 3 ) I did not receive ANY verification of the debt 's validity after I disputed thru the bureaus and directly with them both. Lastly, 4 ) after disputing with both companies directly, I NEVER HEARD FROM EITHER COMPANY. They didn't respond to me and they did not provide verifiable proof of the account 's validity ; this is/was to be an original consumer contract bearing my signature. They violated the FCRA and FDCPA by dismissing my debt validation letters, as well as the disputes from the credit bureaus -- the bureaus also being complicit in this -- and CONTINUE to do so by still reporting this unverified, invalidated account. I wrote directly to both XXXX and XXXX and I clearly state in my letters, " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX   } request shall be sent to me immediately. '' The letter was dated XX/XX/2018 ; it is now XX/XX/2018. Under the FCRA, they are required to delete the false account. I have attached copies of the letters to them, as well as a screenshot of their account on XXXX ( just in particular ) and a copy of the third letter to XXXX ( redacted ), showing what I sent them and the other bureaus -- and essentially how despite this, they continued to allow this unverified account to remain on my credit report. ( All the bureaus did, and I am outraged at this. )
On my report is XXXXXXXX XXXX ... which is not my account. Never solicited them.
I was approved for Synchrony Bank Credit Card through XXXX, and i purchased some furniture items from XXXX on XX/XX/XXXX, to be delivered in XX/XX/XXXX, and called them on XX/XX/XXXX to cancel items worth {$480.00} way before delivery. Fast forward to XX/XX/XXXX, I made two payments in the amount of {$65.00} and {$160.00} and am trying to payoff my final bill and had to call Synchrony Bank. They told me I am responsible for {$1000.00}. They told me I had to go into XXXX store to settle this, so I went to the store and spoke to the Supervisor. After numerous attempts she and I made to Synchrony, we both got nowhere. XXXX has the information of me calling, but Synchrony is refusing to credit back {$480.00} back to my account evendors though I never took possession of those items. I spent 3 hours at XXXX with the Supervisor as she called and I called, getting transferred 8 times to different people, even the Dispute Dept did n't assist either one of us. XXXX went far and beyond to try to get this resolved with Synchrony Bank to no avail. I am so disgusted and disappointed with Synchrony Bank and I can only imagine how many people they 've done this to, it 's the principient of the fact and Synchrony Bank is taking advantage of us consumers, and this is totally WRONG!
I have a title loan on my car. I fell behind in payments and the car was repossessed. I got the money to come current on my loan and get the car back. Trading Financial called a week later XXXX XXXX XXXX ) asking for the " next payment ''. I told the collector I just got the car back and I would n't be able to pay anything until the XXXX of XXXX. The collector agreed to the arrangement. 7 days later XXXX XXXX XXXX ) I got a call from a different collector who said she saw the notes on the account but the XXXX was too far in the future. I told her it was impossible for me to alter the arrangement because I would literally have no money until then. She said " ok, but collection activity would continue ''. I asked her to elaborate but she just repeated the statement and we ended the call. 6 days later ( Thursday the XXXX ) I got a call from a gentlemen repeating the demand for payment and I told him there was no way I could give anything until the XXXX as I spent everything to get the car back. After several questions by the collector I stated there was nothing I could do beyond what I had already agreed to. The next day ( Friday the XXXX ) I got a call from the same gentleman asking the same questions and asking if I could pay something. I repeated my arrangement and asked if they were going to call every day. He said " the collection activity will continue '' and " I 'll follow up with you Monday ''.
In XX/XX/XXXX of this year I went into a dealership with a prior approval for a vehicle with my financial institution, XXXX. I had advised the finance and sales rep that this was the case, but I come to find that my credit was pulled by JPMorgan Chase without my authorization. Attached you will find a letter I sent to XXXX and them advising me to dispute with the creditor.
On XX/XX/2019 I applied for a XXXX Business Store Card for my company XXXX XXXX XXXX XXXX. The application came back as a decline. On XX/XX/2019 I called into XXXX Underwriting and spoke with a representative about my application. I requested a reconsideration of that application. The representative from the credit department said they could not rereview the application until I received the decline letter in the mail explaining the reasons for the decline of the application. I waited patiently until XX/XX/2019 to receive the letter in the mail. On XX/XX/2019 I called into the business credit department to ask for a reconsideration of the my application as the letter only stated the decline reasons were " credit history of personal guarantor ''. I spoke with XXXX and he put me on hold. XXXX came back after a couple of minutes and said he tried really really hard because I have a good credit score and credit history to approve my application but unfortunately he was not able to. When I asked why, he said for the reasons listed on the decline letter, which is confusing as it does not provide detail. Being that he could not explain the decline reason and told me my credit score was good and my credit history was good, I asked to speak to a supervisor. The supervisor XXXX XXXX indicated that nothing could be done because I had to call in within 24 hours of applying for the business card for them to manually review. I explained to XXXX that I called in within 1 hour of applying for the business card and one of her employee 's instructed me that I had to wait until I got the letter to request a reconsideration. XXXX then said " even if you called in within 24 hours it doesn't mean you would get approved ''. I asked her what my options were at this point. She said I could dispute the decline or apply again. I asked her how I would dispute the decline. She said I would have to get an attorney to dispute the decline. When I asked her who the attorney would contact to do the dispute, she indicated that the attorney would know all of that. Essentially indicating that I would have to get an attorney to sue Synchrony to dispute the application, which does not seem right. She just kept telling me to get an attorney.
My personal information was leaked or stolen in late XXXX and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
CFPB : your pre-defined checkboxes do not have the options needed so I will explain the problem here. 

1. I filed to Opt-Out of credit card offers in XX/XX/XXXX ( 7 years ago ). I then mailed in the form to be PERMANENTLY Opted-Out in XX/XX/XXXX ( 7 years ago ). 

2. On XX/XX/XXXX ( 3 days ago ) I received a mailed offer for a credit card from XXXX XXXX. It had my specific name and address on it. It also included a Reservation number and an Access code so that if anyone had taken it out of my mailbox they could have gotten a credit card in my name ( Identity fraud ). 

3. I froze my credit years ago to protect my finances. 

Why are banks such as XXXX XXXX allowed to ignore the permanent Opt-Out, ignore credit freezes and risk the loss of my entire future for the sake of a quick buck?????
I have contacted my student loan servicer several times to get a break down of the XXXX a month. How much is going to interest? I have much is going for collection fee? How much is going towards the actual loan? At some point I want to pay my loan off. I do want to make over payments, How much will actually go to the loan. On XXXX occasion they keep sending me a printout of the payments I have made. I have copies of that already. I want the detailed info so that I can pay this account off. I keep getting the run around. But no one can give me the info. Frustrated.
I was put on an account with XXXX college. I was sent a collection letter from Ability Recovery Services. After multiple attempts to get this taken care of through both the college and collection agency. I have gotten nowhere. I have gotten cursed and hung up on by the collection agency. I have also been hung up on repeatedly by the the school itself. This is not my account. I finally spoke with XXXX person at the school that agreed to send me an email stating that my name would be removed from this account. Months later It is showing on my credit report. I disputed this with the collection agency and never heard anything back.
I have XXXX XXXX XXXX  on my credit report for {$390.00} of a debt that is not mine I sent them a validation letter in XXXX and never heard anything back however they are refusing to remove this from my report
On XXXX XXXX,2017, my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of {$3600.00} to credit bureaus.These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. Hunter Warfield inc, should ensure this information is correct prior to submitting it the credit bureaus as this is affecting my approval and credit score which costs me greatly in higher interest rates. Additionally, this collection agency may not have the authority to collect on said alleged debt.
I received notification on XX/XX/XXXX from XXXX Identity Monitoring services that an account had been opened w/ XXXX XXXX under my SSN and maiden name. I received notification from XXXX shortly after confirming the credit application had been processed. I promptly contacted XXXX XXXX and alerted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on XX/XX/XXXX. I also contacted the ( XXXX ) credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from XXXX during the period of XX/XX/XXXX-XX/XX/XXXX. I contacted XXXX 's compliance department multiple times and provided them with a second copy of the affidavit and police report on XX/XX/XXXX and requested again that they close the account and notify the credit bureaus. I received an email from XXXX on XX/XX/XXXX confirming receipt of all documents and stating they would contact XXXX. I responded on XX/XX/XXXX alerting them to the fact that the delinquent account was shown on my Equifax and XXXX reports as well and that I expected them to remedy the situation w/ all XXXX credit bureaus. I ran my Equifax credit report today ( XX/XX/XXXX ) and the account is still showing as open and delinquent so I contacted XXXX yet again to ask them to close the account on their end and notify Equifax as I requested on XX/XX/XXXX. Customer service representatives at XXXX continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. XXXX 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).
Ocwen Loan servicing applied a lender-place insurance on my account by mistake. I always had insurance. So, finally after almost five months of requests ; they addressed the issued and applied the amount of the error ( {$5900.00} ) towards the principle balance instead of the escrow leaving the escrow account negative for the above mentioned amount. The Loan was transferred to a new service company ( XXXX ) which has not been able to resolve the problem too ( 3 months so far ). I keep being bounced back and forth between them and nothing has been resolved. In total I have been dealing with this issued caused by Ocwen for over 9 months between both loan service companies ; amount of months I have been overpaying my mortgage by {$100.00} since my monthly payments increased due to the negative balance in my escrow.
This complaint specifically involves Equifax, but applies to all credit reporting agencies.
On XX/XX/XXXX, one of the largest data breaches occurred when Equifax was hacked and over 150 million people 's SSNs, DOBs, addresses, etc were stolen. Notification of this breach was not handled in a timely manner. The solution provided by the company involves free credit monitoring for a year based on the consensus that I waive my right to sue or participate in a class action lawsuit. This is theft, in addition to the hacking. This solution does not suffice. This company mishandled mine and millions of other 's information incorrectly and should not be allowed to be benefit from their carelessness under the guise of " saving money '' by cutting corners regarding proper security measures.
All credit reporting agencies should step up security measures by including at least a two-step verification process. Additionally, credit report monitoring should be a free, standard service since the public is subjected, as a standard, to being forced into having our information in the hands of these credit reporting agencies without permission, without a business relationship.
When i was able to work again i paid it off and was told they would take off my credit report and was not
Equifax failed to remove a Federal Tax Lien that should have been removed effective XX/XX/XXXX, in order to comply with new reporting regulations under the XXXX. Specifically - New requirements include : Require all public records obtained from the original source locations to contain minimum identifying information ( PII ), Name, address, SSN and/or date of birth The original source document does not comply with this new reporting regulation as it does not include Date of Birth, and it does not include full  social security number. 

Remedy is removal of this released Tax Lien from my Equifax report.