WillisBack/dataset-financial-user-claim huggingface dataset:
I had a credit card account with XXXX XXXX from XXXX to XXXX. I paid the credit card faithfully until I was laid off in XXXX. The credit card went into collections in XXXX. I paid the collection company from XXXXto XXXX.I stopped paying on it because I hit hard time again. So XXXX in XXXX the XXXX XXXX account went The Law offices of Hayt, Hayt, Landau, LLC. stating I owe {$2100.00} and {$13000.00} went to interest. When I sent my response letter to them, There response was a letter and XXXX XXXX statements from XXXX XXXX. Not anything I paid to the collection agencies.
Experian has failed on multiple occasions to properly address and investigate/re-investigate errors on my report over numerous attempts sent to them. Specifically failing to respond to certified letters, failure to verify accuracy of account information, failure to correct unverified information.

As of XX/XX/XXXX the following bellow unverified/re investigate requests have not been made by Experian despite my 3rd attempt per my certified letter dated XX/XX/XXXX received by them on XX/XX/XXXX. In fact they sent me a letter in the mail I received yesterday XX/XX/XXXX stating they would not re investigate my disputes. 

Tracking Number : XXXX Your item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX, TX XXXX. 
Status Delivered XX/XX/XXXX at XXXX XXXX Delivered XXXX, TX XXXX XXXX  XXXX XXXX status updated XX/XX/XXXX never investigated XXXX XXXX status updated XX/XX/XXXX refused to re investigate XXXX XXXX XXXX status updated XX/XX/XXXX refused to reinvestigate XXXX XXXX XXXX status updated XX/XX/XXXX never investigated Inquires XXXX  XXXX XX/XX/XXXX refused to investigate /re investigate Santander XX/XX/XXXX refused to investigate /re investigate I have attached documentation. Additional information can be provided if needed.
The current holder of the student loan provided a XXXX for XX/XX/2016 that showed XXXX interest paid. I calculated the interest from their website and paid {$1000.00} in interest, which their representative acknowledged. When I contacted the lender they advised that they had over-reported my previous tax years interest payments, so they were making an adjustment this year ; therefore, they will not report the XX/XX/2016 interest paid. If their records show I paid more in interest, that means I paid less in premiums so my loan is not being paid down as it should. Two problems : 1 ) I do not get credit for interest paid in XX/XX/2016, and 2 ) by the lender applying a larger percentage of my monthly payments to interest, I am not getting full credit for paying the premium,
This situation has to be a pretty interesting one. I haven't had an account with XXXX for well over a decade. This account is not mine. I requested to validate the debt and their first response was an offer to settle the debt. Offering to settle is not validation of a debt. They did not abide by federal law. 
After my second letter I received a very interesting print out with costs, and conflicting information. The second statement does NOT include any original paperwork/contracts with my. There is NOTHING with my signature. Just a weird, seemingly falsified, print out with two different company names on it. 
They identify as XXXX and XXXX XXXX College? Anyway this company did not properly validate this account. There is no original contract, there is no paperwork with my physical signature. Come to think of it I've been with XXXX since about XX/XX/2009. This needs to be removed from my credit report. I also need their Washington State 's representative 's physical address, and contact info, so I can move forward with court if needed. Thank you!
I am writing to express my extreme distress regarding the recent revelation of a data breach at Equifax. It appears that my information was contained in the breach when I reviewed their website. Here are several of my concerns. 

The breach was from XXXX to XXXX of XXXX. Nearly 3 months the problem existed. 
They discovered the breach in XXXX. 
They did not disclose the breach until XXXX XXXX, XXXX. 
They did not contact me directly about my information being compromised. 
When I checked the database as a " potential victim '' I was informed that I was indeed included in the data breach. 
When I tried to enroll in the credit monitoring service ( provided by none other than Equifax - conflict of interest in every way ) I was instructed to return to the website 4 days later to sign up. Additionally, I was also informed that I would n't be reminded to return to sign up. This is an undue burden on a consumer that has been victimized by this company. 
Credit monitoring should be provided free of charge by a monitoring service of our choice instead of prolonging " victim-hood '' with Equifax. 

Information discovered after this initial debacle was even more troubling. 

Contained in the terms and conditions for checking to see if I had been a victim I discovered that I was bared from joining a class action lawsuit against Equifax. 
Days after the breach was discovered there were Equifax employees that sold their Equifax stock. 

In my opinion this is egregious dereliction of even simple security of personal financial information. I do n't have a choice to exclude creditors from sending my information to Equifax and therefore I was an unwilling victim of this crime. This requirement has been in effect since Gramm Leach-Bliley 1999 - XXXX. I believe that Equifax is significantly engaged in providing a financial service as a credit bureau. And as GLB is a 17 year old statute they have had plenty of time to ensure proper security practices were in place. Furthermore, the FFIEC 's Cyber Assessment Tool that was released in XXXX has provide ample guidance on securing personal financial information on the internet. 

With the revelation of this horrific occurrence the CFPB should consider the dismantling of this business. They should be subject to the most punitive of all sanctions that are within the CFPB 's authority. This has struck an irreparable rift of distrust in the financial services industry. If we can not trust the companies that are in charge of our data ( without our control ) then we have wider distrust of the entire system.
I keep asking the credit bureaus to remove my the years of XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.
I got a letter in the mail from Discover student loan, saying they sent me a check that was never cashed. It mentioned I must cash byXX/XX/XXXX or call to get it reissued. However I did not get this letter until after XX/XX/XXXX. I called their toll free number that was stated in the letter but they said they had no information regarding this check, when it was sent, the amount, etc and I must contact the XXXX to get this resolved.
American Express XXXX XXXX Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Calling for an extended family member asking me to pass along a message. I have nothing to do with their finances. Contacting family members is a breach of privacy. They have also been calling my husband, mother-in-law and father-in-law asking them to pass along messages. The extended family member is working with XXXX XXXX XXXX. American Express should not be calling us just because we have the same last name.
I have been doing business with this particular credit card for the last 10 years under our company name.
We have made excellent payments to this company- from full payments to the credit card to consistent payments for the last 10 years - our interest rate was 12.9 % Since 2016 we have struggled with our business and we have seen our credit suffer - although we have maintained making payments to the credit - The credit card company started raising interest rates without noticed - from 12.9 % to 15.99 % interest and finally to 21.9 interest - practically double the amount of interest - I did not catch the interest hikes.
Their explanation was since our credit has deteriorated thus the interest - hikes causing us to pay that much more in interest payments.
I have previously disputed this account with Trans-Union. I have documents to porvce that information reported by XXXX should be removed immediately. 
I have enclosed a letter from XXXX stating this should be removed
Hyundai without warning is now charging {$3.00} to make a one time payment online, something that was advertised as a free feature when I took out the loan. 

This is a push for autopay so we cant pay ahead. 

Loan taken out XX/XX/XXXX, received notice on XX/XX/XXXX statement to be effective XX/XX/XXXX.
The bankruptcy on my credit report is listed as a Chapter XXXX when a Chapter XXXX was filed on that date. I have asked for them to correct it through the investigation process and Experian either reports back to me that the information is " verified '' and/or refuses to investigate it. 

I have attached one of my Chapter XXXX documents that were filed on the date listed on my report as evidence of the type of filing. I have also attached a brief summary of the situation to confirm the resolution I am seeking.
i went to get an auto loan they ran my information and my social came back as deceased. i have called all XXXX credit agencies and cant get an answer from anyone.
My bank does n't send transactions to the app, so they app does n't allow me to cash out money for over a day sometimes.
I filed a dispute with my credit card at XXXX and they " lost '' it saying i " lost '' my rights. Then I got a phone call saying since they found it, they would be re-asserting the dispute process. I got my money back and confirmation in writing that the final dispute had been decided in my favor back in XXXX. Then, in XXXX they are saying they are going back on their initial decision, but I was already told since they lost the initial dispute and we were still in the time frame and the merchant did not respond that the money was mine permanently. At this late date saying they went back on their final decision seems suspect -- -the letter dated XXXX XXXX, is more than two months after the final chargeback was made. It is an illegal abuse of th dispute process. The doctor lied about me and said my dispute was illegal, which is n't true. He made up something in his head that should not affect your decision. To go back on your initial decision and then hold me responsible over XXXX months later. XXXX has repeatedly lost my disputes and they admittedly lost this one as well. However, the final chargeback was issued already. This is an illegal use of the dispute process. I do not owe the {$1000.00}.
I do NOT owe this company or its affiliate a single penny. This company continues to report a negative account on my credit report, an account I do not own. Company stated that they have placed my account on an administrative hold in a cease and desist status. I am not interested in a cease and desist status ; I am interested in having this company delete its erroneous account from my credit file - a request that is proving rather difficult for them to do. 

CFPB, PLEASE BE ADVISED THAT THIS SHOULD NOT BE CONSTRUED AS A DUPLICATED REPORT. The company is engaging in unscrupulous activities. How can a company at will just report negative items on ones credit without first being absolutely certain that the account belongs to the alleged debtor. I have or had no contractual relationship whatsoever with XXXX and/or Southwest Credit Systems, LP.
I have enrolled in Auto Pay and have been making extra payments in addition to the automatic payments. I made an additional payment of {$800.00} on XX/XX/2018 over the phone. I instructed I did not want it applied to future payments and I only want to be applied to loan # 2. They misapplied the payment and since then my auto payments have been incorrect despite calling numerous times to fix the problem. I made another additional payment of XXXX on XX/XX/18. I once again called Navient and requested my overpayment be applied to loan # 2 and for it not to be applied to future loans. This payment was processed incorrectly. My auto payments have been incorrect since XX/XX/2018. I have multiple debits and credits on my account due to Navient trying to correct their error to the point where I an unsure of what my balance actually should be. I call at least twice a month for them to correct their mistakes.
I recently filed a complaint with this bureau in reference to a XXXX personal check XXXX check # XXXX {$1200.00} XXXX that was cashed by Wells Fargo bank on XXXX/XXXX/XXXX. It was not cashed by the payee ( rent management office ) or myself. Apparently, the endorsement on the back of the check did not match my signature on the front of the check. My name was printed on the back of the check. I reached out to this bureau to obtain a response from Wells Fargo bank in an effort to receive an explanation and to be reassured that funds would be returned to my account soon. Wells Fargo 's response as of XXXX/XXXX/XXXX was that they could not respond within this portal because they are not authorized to use personally identifiable information. I am interested in finding out specifically what happened on XXXX/XXXX/XXXX and when Wells Fargo will reach out to XXXX. This investigation has already taken 3 months. Wells Fargo was contacted more than two months ago.
This collection agency out of no where added a collection to my report in which they failed to validate debt or furnish any proof of correct identity. It was reported on  XXXX  2017. I am not aware of this collection and it is messing up my credit score.
A person took out a student loan in my name. This is fraudulent activity. Below is the letter I am sending today : XXXX XXXX, 2016 Navient Attn : Fraud Department XXXX. XXXX XXXX XXXXXXXX XXXX RE : XXXX XXXX Fraudulent Activity Against Me by Navient Dear Fraud Department : Today I was contacted by a Navient representative regarding Account # XXXX with an address as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never lived at this address nor do I know anyone who lives at this address. Remove me immediately from this fraudulent loan. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX
My student loan is being serviced by FedLoan Servicing. I have timely ensured that all deferment requests were submitted on time, however FedLoan servicing has indicated that I have XXXX accounts late by more than 180 days. I have taken out only XXXX student loans Subsidized and Un-Subsidized, they have taken the account and assigned XXXX account number but listing them on my credit report as XXXX separate accounts as if I have had separate loans. This is not accurate and is impacting my consumer credit report negatively. I have made several attempts in having them correct the inaccurate reporting.
XX/XX/2016 I applied for a loan with Paramount Residential Mortgage Group based out of XXXX, Ga. I was mislead in thinking that my loan would be approved by the local loan officer. He kept informing me that we will close your loan. With his confidence, I put money down on a home, paid for an inspection and an appraisal. To my dismay about six days before the projected close date on the contract, he pulls the plug and gives a denial. I feel that an act of detrimental reliance has occurred. I lost money based on his advice.
I have filed a claim for a fraudulent transaction to US Bank in the amount of {$520.00}, which occurred on XX/XX/2018. US Bank has denied my claim stating that they have sent a text message to my cell phone to confirm the transaction from XXXX XXXX XXXX on XX/XX/2018. 
1. The transaction did not occur on XX/XX/2018 so it was not possible for the bank to text me in regards to this transaction as the transaction occurred on XX/XX/2018 2. I have contacted my mobile phone provider with all incoming text messages on these dates and their documentation shows that no text messages have been received on XX/XX/2018 from XXXX XXXX XXXX XXXX 3. US Bank has denied me to provide this proof from the mobile company and to review the case
I paid off a credit card on XXXX/XXXX/2015. I received my next statement on XXXX/XXXX/2015. The statement shows my XXXX cash payments ( due to transaction limitation of online bill pay service ) The statement shows a previous balance of {$13000.00} It shows a payment/credit of {$13000.00} There were {$44.00} in purchases and an interest charge of $ XXXXXXXXIn the " interest charge '' portion of the statement, it shows a " Balance Subject To Interest Rate '' of {$4900.00} for an interest charge of $ XXXXXXXXWith a previous balance of {$13000.00} I did not understand the " Balance Subject to Interest Rate '' or how it was calculated. I called the bank and was told this was " Residual Interest '' or trailing interest. The bank further explained that the balance was a calculation of the average daily balance from when the account first started to carry a balance SEVERAL YEARS ago to the point when the account was paid off ( XXXX/XXXX/2015 ) My understanding of the recent credit card law changes was that this was illegal, in that, credit card companies were not allowed to calculate " trailing interest '' further back than the current billing cycle. In other words, it is illegal to calculate an average daily balance over the life of the card ( life of a balance carrying card )
I took out a cash advance to help a financial hardship for XXXX. The interest was 500 % so I opted to go through a payday loan consolidation company after I made the first payment. I called the cash store a few days before my due date and let them know that they payment would not go through XX/XX/XXXX and the consolidation company would be handling their payment within the next few weeks. I explained they would be paid but I had to open a new account for the consolidation company to draft from. They have still called my every day multiple times @ home, my cell and work after I have already been told they see the notes on my account regarding the consolidation. At this point they should be only contact me through the mail. I also emailed their corporate office under contact us prior to the debt going into default but no response was received.
We represent a XXXX of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor received this letter requesting no further communication ( as evidenced by the creditor now sending communications to our client at our address ), the creditor continues to send our client monthly statements. By continuing to communicate with our client after receiving his request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.
I received a bill in the mail for a medical debt. this debit was paid. I sent a letter to the collection agency to send me a itemized bill with all the breakdowns of this debt. I sent a letter back within 5 days of receiving the bill asking for all the medical proceeders that were done. I never heard from the collection agency. it has been 90 days from receiving. now on my credit account it shows up as a open collection. just on XXXX and not on XXXX. what I would like is to have your complaint department to look in to this and if you can have it removed from my credit account. thank you.
I deposited {$2000.00} dollars with XXXX on XXXX/XXXX/2015 My account manager never had me fill out a Form DCF ( Document Confirmation Form ) which is part of XXXX Complaince Departments Protocol. My money was never used for trading and on XXXX XXXX was sent to XXXX XXXX 's address in XXXX.. I received a phone call from XXXX a few weeks later from a XXXX XXXX, Senior Supervisor for XXXX. His phone number is XXXX XXXX XXXX XXXX. He told me my money was embezzled by XXXX XXXX and I should Contact my Bank Concerning this issue. My deposit was never used for trading and XXXX never told the Compliance Department about my Deposit. He concealed my money and the money of many of his other Clients taking over {$100000.00} and more. XXXX could not tell me how to get my money back, but did tell me I could dispute this transaction with my Bank. He could not give me more information because a Crime had been committed and this was reported to the XXXX XXXX Police Department. He refused to give me a case number for the Police Report Taken. Since my Money was never used for trading this was a breach in the XXXX contract I signed.. The DCF form was never filled out to show proof of my Deposit and XXXX concealed all of this from XXXX. I am sending you many documents and I hope someone at Bank of America reads them that has a Brain. I received conflicting comments from several customer Care agents in The Bank of America Dispute Department. The last woman I spoke to either did n't know how to read or did n't understand what a Contract was. The woman was XXXX or XXXX from her accent and was unable to answer any of my questions when she had the paperwork right in front of her. It was obvious she had not read the contract written by XXXX XXXX and only focused on the XXXX Contract for risks of losing money. My money was never used for trading and was embezzled by XXXX XXXX. There was a Crime committed and a breach in all of XXXX Contacts.
So I recently find out that all XXXX credit bureaus mixed my credit history with my XXXX brother 's credit history into XXXX single report. I already contacted all XXXX bureaus with this dispute. Unfortunately, XXXX is the only credit bureau that handle this dispute as a professional company. XXXX is able to fix this dispute within XXXX hours and I received the corrected report already. However, XXXX and TransUnion are the worst agencies I have never encounter. When I contacted their representatives, they all refuse to apology for the error. XXXX admitted their error on their end ( because all my information was reported under my SSN they simply just put all my info under my brother 's name. I saw a report with XXXX name and XXXX SSN which is pretty funny but XXXX was able to separate and fix the mixing error ). Those XXXX companies keep claiming that it is my creditor 's fault for not reporting the information with all detail ( as they claim they never receive my SSN so all my information were filed under my brother 's name and SSN which means I do n't exist in this country ). This get me very frustrated, as XXXX actually receive all my information under my SSN how does the other XXXX agencies not received the same information from my creditors? Clearly, those XXXX agencies ' employees were sleeping when collecting my information from my creditor and failed to notice my SSN number on the reported credit info. Second, the representatives ask me to mail in a copy of my SSN to prove my identity so they can handle the dispute " properly ''. I comply to the request yet its been freaking XXXX weeks and I have n't ' heard back from them regarding the status of the dispute. I try to pull my credit report from TransUnion and it is still stating no information under my SSN is available. ( As they still have n't separated my credit history under my brother 's SSN ) I demand an immediate response from both XXXX and TransUnion response. Especially TransUnion, the phone representative made a verbal agreement that the supervisor will contacted me within XXXX hours after my phone call but I never received any phone call from the so called " supervisor ''