WillisBack/dataset-financial-user-claim huggingface dataset:
I am having issues with inaccurate information showing on my credit report my name show be listed as XXXX XXXX XXXX please delete all other variations. There are several numbers on file that are not mine please delete the following numbers : 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 current and only address is XXXX XXXX XXXX XXXX OH XXXX I have never lived at the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Amsher called many times. I told them my insurance company was resubmitting the claim, because the insurance company had made a mistake. They didn't care. XXXX and XXXX were rude and belligerent to the point of bullying. I am a XXXX veteran and it took me a long time to get over the phone call. I then called my insurance company and found out the bill had been paid to the provider. Something has to be done to stop these people. They are out of control.
In XX/XX/XXXX of this year I submitted a dispute with all three credit reporting agencies regarding a questionable tradeline on my credit report. The account was XXXX XXXX and it showed as a charge off with different amounts reporting for each agency. I submitted requests for validation from each reporting agency as well as directly with XXXX XXXX. That request letter is attached to this complaint. Shortly thereafter, the tradeline was removed by XXXX as it could n't be validated. TransUnion however closed the dispute as " verified ''. On XX/XX/XXXX, I recieved the attached response from XXXX XXXX stating that the account had been sold and providing no validation. I sent a second request ( also attached ) on XX/XX/17, again demanding validation. XXXX XXXX responded on XX/XX/17 with the attached letter refusing to provide validation and stating that they already responded to the previous request would not be responding to any further requests. As is evidenced by the attachments, they did not provide any validation in either request. I am submitting this complaint against TRANSUNION because they clearly did not investigate this dispute per FCRA statutes as they claim. I have disputed this item and requested validation no less than 5 times in the past year and each time TRANSUNION simply closes the dispute as verified without providing any evidence of said verification. As shown by the letters from the information furnisher XXXX XXXX, no validation has been provided. Failure to perform thorough investigations into disputed information and continuning to report unvalidated accounts are willful violations of the FCRA. FCRA statute 623 clearly states that if an item of information disputed by a consumer can not be validated, that item must be deleted and permanently blocked from reporting. TransUnion remains the only CRA who has not complied with this law in regards to this account.I am asking the CFPBs assistance in enforcing the law and removing this account from my TransUnion credit report.
Over 30 years ago I opened an IRA with XXXX XXXX. XXXX XXXX was bought by XXXX who we eventually bought by Wells Fargo. 

Currently, I find my IRA is in a CD account earning 0.05 % interest. I have been attempting to transfer this to an IRA account at a different institution. 

I have made two attempts to transfer that money through that other institution. I wanted to do it directly to avoid any tax withholding. The first attempt was made through and account transfer form signed via DocuSign. When this attempt was made, Wells Fargo said they only take wet signed documents. So, we repeated the process with a wet signed account transfer form. Well Fargo then indicated that the money was tied up until XX/XX/XXXX. I'm guessing that's when the CD expires. 

I looked online and it appears the going rate for CD IRAs is around 3.0 % ( vs. 0.05 % ). And, not surprisingly, Well Fargo is making it difficult for me to get my money. It feels like a ploy to make me give up and just leave my money there. 

Wells Fargo has had the use of my money for the past 30+ years and clearly have no interest even in letting me have my deflated dollars back. 

I have made numerous calls both to customer support and to their IRA department.
I contact GLA collection company about a medical bill that was on my credit report. The bill and amount stated {$38.00} and I was prepared to pay this amount, as I was in the process of getting a mortgage. When I was about to pay, the representative insisted that my amount was {$61.00} with the interest. I informed them that I did not owe that amount and that I would pay the {$38.00} but that it MUST be removed from my credit reports due to the mortgage review. I told them I did not count that in my budget and I could n't pay it yet but could pay the {$38.00}. They said if I only paid the {$38.00} that it would remain on my credit report ( alternatively ruining my chances of getting a mortgage ) but if I paid the full amount of {$61.00}, they would remove it. They would n't even allow me to pay {$38.00} and call back to pay the rest if I could. I had to pay non or all. I paid the {$61.00} to get it removed in order to buy a house. There was no agreement to pay interest or even that I owed more than {$38.00}, except when they knew I was planning on paying. They even sent me an immediate receipt but it only stated that I paid {$38.00}, even though my account shows they removed the full {$61.00}. I could n't even get a correct receipt from them.
check my credit and saw where i had 3XXXX XXXX XXXX cards on my credit report the cards were open XXXX XXXX 2007 XXXX another open same day for XXXX and the XXXX open the XXXX open same day for XXXX i had the XXXX card for XXXX nothing done by me did not know about the other XXXX these were wellsfargo cash on demand cards one card had a XXXX XXXX XXXX one had a address i had not been at for 10 years the 3rd one was mine at my home address
I noticed the money owed to my Discover card was not going down, plus I had not used this card in several years. I called them and they told me I was being charged the highest interest rate because all I owed them was from cash advances. I told them less than half what I owed was cash advances but they told me I was wrong. I asked them to check my records and see. They told me they could only go back 18 months and since I had not used the card in the last 18 months they could n't check back. They told me they could suspend the card for one year and charge the lower rate for that period of time. That year is about up.
Experian Credit Reporting Company allowed : 1. Allowed XXXX XXXX XXXX to grant credit against my SSN. ( " hard '' inquiry, made to my credit history using my SSN, with " Fraud Alert '' in effect since XX/XX/2010 ) 2. XXXX XXXX, allowed an individual, to open an cell account of {$1800.00}. This person ( XXXX XXXX, of XXXX, Illinois ) has not paid this bill and XXXX sent this bill for collection. ( XXXX XXXX, XXXX, Illinois ) Under my SSN, this account was never opened by me. 3. Experian Credit Reporting Company kept XXXX ( XXXX ) credit histories, for me under XXXX SSN 's whiched caused my credit ratings to fall XXXX ; XXXX-XXXX points.
On XX/XX/XXXX, I pulled my credit report and saw that Experian is inaccurately reporting information on my credit report. More specifically, reporting 30 days late on my XXXX XXXX/XXXX account for the month of XX/XX/XXXX.

On XX/XX/XXXX, I contacted XXXX XXXX/XXXX  regarding the Experian reporting 30 days late on my credit report. XXXX XXXX/XXXX provided me with correspondence indicating that XX/XX/XXXX should be reporting as current and that they would notify the credit bureau of said status.

On XX/XX/XXXX, I again pulled my credit report and Experian did not update the 30 days late to current. Therefore, I filed a complaint with the CFPD ( Complaint Number XXXX ) against Experian.

On XX/XX/XXXX, I received a notice from CFPB that Experian had responded to the complaint. Experian states that they contacted XXXX XXXX/XXXX and They responded and verified that the disputed information was accurate as reported. It said information was accurate as reported, then please explain why XXXX XXXX/XXXX  would provide me with a letter indicating that the XX/XX/XXXX 30 days late should be reported as current?

On XX/XX/XXXX, I received an email from Experian indicating that it could take up to 45 days for me to receive results.

On XX/XX/XXXX, Vague correspondence from Experian indicating reinvestigation is submitted and complete.

On XX/XX/XXXX, Correspondence from Experian indicating the XXXX XXXX/XXXX   account was updated but it is still reporting as 30 days late for the month of XX/XX/XXXX.

On XX/XX/XXXX, Correspondence from Experian indicates Experian is currently investigating the disputed account information.

On XX/XX/XXXX, Correspondence from Experian indicating the reinvestigation is submitted and complete and was updated but is still reporting as 30 days late for the month of XX/XX/XXXX.

On XX/XX/XXXX, Correspondence from Commentiy XXXX/XXXX  indicating that the account should be reporting as " current '' NOT " 30-days late ''.

On XX/XX/XXXX, Pulled my credit report once again and Experian is still reporting this as late.
After submitting my complained finally the BBVA compass agent have left me messages on my voicemail. I found a job finally and my work is from XXXX to XXXX and my work is very detailed oriented and I can not receive calls on my job area. 

After filing my complain someone finally tried to call. I tried to call back after XXXX EST but was not possible. 

I want to continue my complain becuase they only refunded me {$220.00} on XX/XX/2018. And the total amount was {$500.00}. I am still waiting for {$270.00} more. Plus, the account is impossible for me to make a deposit becuase they took out all the features fron the online banking and also when I tried to print the direct deposit form, was not there either. I want the rest of my money back and I want my account restored. This bank has given me problems since the first time I opened the account and I want all my features back. I complained to them and they deactivated everything. All I received was appologizing emails for late response and emails to call the bank, when I am trying to contact the bank they always transfer the calls until the call drops ans they keep emailing to call the bank.
I am probating the estate of my deceased sister and the house will eventually be in my name. During the process, I attempted to modify my sister 's mortgage because I will obtain ownership and did not want the house to enter into foreclosure. The loan was being serviced by XXXX and I submitted all the requested documentation to XXXX and it approved my assumption agreement on XX/XX/XXXX. I made some payments to XXXX and I signed a final assumption agreement with XXXX and returned the signed assumption to XXXX. Then, XXXX transferred the loan to Selene Finance. On, XX/XX/XXXX, Selene sent me a letter stating that my assumption is denied. I have paid a total of {$9200.00} from the period of XX/XX/XXXX to XX/XX/XXXX to XXXX/Selene. 

Every time I have called Selene it recorded all of conversations with me and my attorney and constantly assured my attorney and I that if I continued to make payments they will continue to explore whether any other plan was better for me other than the one I was approved for but to continue making the payments. However, the company lied and now denied my assumption agreement that was already approved by the prior services, took my money and made no accounting for the money, and is trying to take the house away from me. 

I faxed a letter to Selene Finance on XX/XX/XXXX requesting a written response regarding my approved assumption agreement. My attorney faxed a similar letter to Selene on XX/XX/XXXX. On XX/XX/XXXX, my attorney received a letter from Selene Finance dated, XX/XX/XXXX, which indicated that Selene is in receipt of correspondence requesting information regarding Estate of XXXX loan. The letter also indicates that Federal law requires Selene Finance LP to respond to correspondence within 30 business days of receipt. More than XXXXhirty days has passed and Selene has yet to respond in writing to my and my attorney 's letter. Again on XX/XX/XXXX my attorney sent another fax to Selene. To date, there has been no written response generated by Selene.
I am filing this claim because I recently learned that my college loans do not qualify for loan forgiveness. I have been paying down two federal loans to help me with my college debt since the XX/XX/XXXXs, both of which began being serviced by XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX. Currently, I still owe over {$65000.00}. In all the time I have been making monthly loan payments to XXXX, and now through them to Navient, I was always led to believe, that is, told, that both loans, for which I continue to make one monthly payment, qualified for loan forgiveness in XX/XX/XXXX, as long as I held up my end of the agreement by making 120 payments over ten years, as required for loan forgiveness, beginning in XX/XX/XXXX. Representatives from neither XXXX nor Navient ever stated to me anything but that I was on the right path for loan forgiveness. Yet when I applied for loan forgiveness, having met all the other criteria, I was informed by XXXX XXXX of the Department of Education in XX/XX/XXXX, that my loans did NOT qualify, as they were not the right kind of federal loans ( XXXX XXXX XXXX Federal Direct Loan Program ). And that, after twelve years of payments to XXXX as well as the previous number of years to the other lenders I would now need to begin again with yet another 120 payments qualifying for loan forgiveness in XX/XX/XXXX, some thirty years after taking out these loans, and paying faithfully over the course of time. By now, I am familiar with a number of other loan recipients who are arguing much the same case. It was remarkable to read such testimony, in the way their travails mirror my own case. It was like reading my own words, time and again, describing my situation. Some alluded to a pattern of behavior on the part of Navient. Although that determination has not been, to my knowledge, adjudicated, as I state above, I was never informed by XXXX or Navient that my Federal Consolidation loans would not qualify for loan forgiveness and that I would need to reconsolidate my loans.
I have a hard credit inquiry from Bank of the West on my XXXX and XXXX  credit reports and I never signed anything authorizing them to run my credit. 

I am seeking the removal of the inquiries from both credit bureaus.
My name is  XXXX   XXXX , I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of  XXXX  with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed w ork ( lost wages ) since I  have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan  (   XXXX  College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an   XXXX   XXXX   at a   XXXX   XXXX   making {$ XXXX } an hour in the  XXXX   XXXX  area I get paid bi-weekly, I have  XXXX  little boys ages  XXXX  and  XXXX   years old an d I am the sole provider. Do the math Im going to be homeless because of this issue. I understand  XXXX  College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with  XXXX  children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.
8 Years i cant get a NEW Credit Card becuse of my Credit Burrow File -- -- -- - I live in XXXX XXXX and Cant Contact the Credit Burrow from Forign Country Can the Credit Burrow Please Remove the Consumer Allert Telephone Number in my Credit File so i can Get a New Credit Card -- -- -- -- -- Appying Fore a Credit Card company wants two CALL my Phone number in the Consumer Allert File in The Credit Burrow -- -- -- -- The 3 Credit Burrow Experian XXXX XXXX and XXXX   could not Verify me so 50 Times I mailed 3 Forms of ID two Experian XXXX XXXX and XXXX never Help me and respond send ID agin -- -- -- -- - 5 Years i live in Forign Countries and Cant Call a BANK XXXX number Requires International long Disatance cost XXXX dollers a year two Call a Bank -- -- -- -- Im a Refugee and there is no Good way two Contact the Credit Burrow from a Forign Country mail may take months -- -- -- -- -- - I should Not Send coppy of my ID from a Forign Country -- -- -- -- -- -- -- -- - 50 Times I contact the Credit burrow that no bank can Verify me two Open a New Bank Acount
To whom it may concern, My complaint is that Chase is doing everything possible from preventing me from accessing my Home Equity Line of Credit that I paid for and instead is trying me to sell new products with new fees and close to double the interest rates. 

I have a property in XXXX, XXXX XXXX XXXX and in XXXX I took a Home Equity Line of Credit with Chase. In XXXX my credit line was frozen during the big recession because Chase feared that my property value had gone down. It may have been true back then, but XXXX property prices have rebounded and Chase still has my HELOC locked. They told me they have no data to prove that my property has the same value that it has in XXXX, which is untrue as prices in all XXXX are way above XXXX. They told me that I needed to pay for an appraisal. Which I think currently is an excuse from having me accessing my equity and for forcing me to buy new more expensive financial products. As a XXXX bank, Chase is well aware that property values in XXXX have gone up from XXXX. I was also told that I will not be able to take money out from this account after XXXX XXXX because that is when I need to start paying it back, in this I agree. 

Fearing the uncertainty of our country faces at this moments. I want to take out the XXXX dollars that are frozen. I caved and paid for the appraiser which prove that my property value has gone up 40 % since XXXX, from XXXX in XXXX to {$910000.00} in XXXX. I called Chase again, and now they are telling me that my credit line will freeze next week ( not in XXXX ), and that I need to send the papers via fax, that they may take over 2 week to review, and then send me their response via snail mail. All to go over the appraisal that states the obvious, that my property value is equal or greater from what it was in XXXX XXXX. 

In my conversation with Chase I stated the time problem and they recommended refinancing, which entails me paying more fees and changing my current 2.75 % variable interest rate for a 4.5 % variable interest rate. That I could start doing immediately, via the phone not via fax. 

Thank you for the understanding, XXXX XXXX XXXXXXXXXXXX Chase-HELOC Phone : XXXX Chase-HELOC-Fax : XXXX My Chase HELOC Account Number : XXXX
I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge. EMPLOYER REPORTED - XXXX XXXX XXXX - I HAVE NEVER WORKED HERE. THIS IS NOT MY CURRENT EMPLOYER. THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS A RESULT OF SOMEONE TRYING TO GET CREDIT IN MY NAME. REMOVE THIS EMPLOYER IMMEDIATELY. AS YOU KNOW ACCORDING TO THE FCRA, ALL INFORMATION ON MY CREDIT REPORT SHOULD BE 100 % ACCURATE. AS THIS INFORMATION IS NOT CORRECT, REMOVE IT FROM MY REPORT IMMEDIATELY. I WANT A FRAUD ALERT PLACED ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.
Account not in collection since 2013, information is wrong and should be deleted. Account paid off. I have already submitted proof ( a receipt ) that the account was paid off however, it still shows in collection ststus.
Received a credit card with a statement of possible fraud from XXXX XXXX visa card from Synchrony Bank in XXXX florida. Spoke with fraud department on XXXX/XXXX/XXXX. The card was cancelled and an investigation was opened by the bank. I never opened this credit card and have concern that my private identity was used to open it.
Hello, As you 've of course heard, the latest EquiFax data breach has compromised the financial security of over ONE HUNDRED MILLION PEOPLE.
Now, to protect ourselves, we have to put a freeze on our credit. This would n't be so bad if we did n't have to pay out of pocket. The fact that we have to pay {$30.00} to freeze our credit, to protect our most important information, because of this huge leak, which is 100 % EquiFax 's fault, is ridiculous. 

Freezing our credit should n't cost a single penny. This should be a free service. It 's like being assaulted, then paying the police on the side for protection. This is n't fair, it is n't right. 

Please, help us! We need you now more than ever. So many of us feel vulnerable, and like we have no control over what happens about this. We need your help, please!