WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I received XXXX separate phone calls from a XXXX XXXX with Consumer Portfolio Services. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST which I answered. XXXX XXXX indicated that I owed a balance on my loan of around {$9700.00} and wanted to know how I would like to pay the remaining balance. I informed XXXX XXXX that I make monthly payments on the account. She seemed very confused and confirmed that I was making monthly payments and then said that my account had just been placed in her department and she was calling to introduce herself. She said if I had any questions to contact her at XXXX ext XXXX. The conversation ended with that. 
On XXXX XXXX I again received XXXX separate phone calls from XXXX XXXX. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST with another voicemail being left. I returned the phone call and spoke with XXXX XXXX which I informed her that this was the fourth call she has made to me in less than a week. She said that she needed to know when I make my payments. I told her that CPS services my loan and should know when I make my payments. I asked her if the account was past due and she said no at which time I told her that she really has no need to be calling me unless my account is past due. She said that my payments are inconsistent at which I responded that they are usually made within XXXX days of the due date. I told her I work XXXX hours a week and I 'm attending school for my XXXX degree so, yes, sometimes making the payment on the exact due date does not happen. I told her that I have had this account for almost a year and that no one from CPS has ever called me to indicate that there was any issue with how I make my payments. I informed her to not call me again unless my account falls past due.
I am an XXXX XXXX servicemember. On XX/XX/2018, I applied for membership and a Power Cash Rewards credit card with Pentagon Federal Credit Union. On the date I applied, I had recently moved from my prior XXXX XXXX in XXXX to XXXX, XXXX. 

On XX/XX/XXXX, PenFed member services instructed me to provide copies of a drivers license, utility bill, and social security card. 

On XX/XX/XXXX, I complied, providing a copy of my license, a utility bill, and my social security card. The drivers license I provided listed my address from my first military duty station ( XXXX XXXX, XXXX  ). 

On XX/XX/XXXX, I was told I needed to provide a notarized id, utility bill and social security card. I called PenFed and asked why. The agent I spoke with told me my old XXXX  drivers license was insufficient due to reflecting my old address. He told me that due to the PATRIOT ACT I would need to get a XXXX drivers license reflecting my current address. 

I then obtained a XXXX drivers license. 

On XX/XX/2018, I sent notarized copies of my utility bill, XXXX   drivers license, and social security card. I can provide these upon request ( not attaching now due to PII ). 

On XX/XX/2018, after multiple phone calls over several weeks to PenFed, I was told PenFeds Financial Intelligence Department could not verify my documents. I asked for an explanation as to why they could not verify my documents, and I was told they could not tell me why. I asked if there was an appeals process, and was told there was no appeals process. I asked to speak to the individuals supervisor. The supervisor told me my XXXX  drivers license looked fake, and that was the reason for the denial. I made it clear I provided my XXXX driver 's license, and told the individual he essentially was accusing me of lying. I offered to re-send all of my documents, offered to provide a copy of my military orders, lease, and military ID, but was told there was no appeals process and no method of recourse.
I have been disputing the Public Record information with Equifax for about a month now. I received the disputed results back from Equifax on XXXX/XXXX/2015 stating that the disputed Public Record information was verified by the furnisher. I wrote directly to the US Bankruptcy court clerk personnel and the letters that I received back stated that the U.S. Bankruptcy court clerk never furnishes information to Credit Reporting Agencies. The letter also stated that those agencies go through XXXX party XXXX XXXX companies to gather information on the public. They do n't disclose this at all. Equifax refuses to tell me who thy verified this information with because they absolutely did not receive the information from the direct source which is the US Bankruptcy Court. By refusing to tell me where they received this information from and whom they verified it with and the contact information that I am suppose to receive in order to dispute that source is a direct violation of my rights as a consumer. Also, Equifax refuses to delete XXXX XXXX, XXXX XXXX XXXX as they both are apart of ID Theft and I have submitted to Equifax numerous of times and I have also sent an amended Police Report to them and apparently they continue to re-insert XXXX and XXXX XXXX XXXX back onto my credit report despite the proof to remove and block them so that the information can not be re-inserted. Again I have attaced all correspondence that I have received from Equifax , the police report, FTC Affidavit please remove all the information
This company which I hold NO CONTRACT with nor have received services from is reporting a collection account against my SSN in the amount of XXXX with XXXX, XXXX, XXXX XXXX reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Citi sent me at least XXXX mailing offers for an XXXX XXXX credit card with XXXX to XXXX bonus miles. I finally decided to sign up for one. During activation, the bonus miles were never mentioned so I called their customer service, who told me that I was not eligible for the promotion. I asked them why that was, given the fact that they sent me XXXX mailings about the offer to my home, which included a specific invitation number and my XXXX information. Customer service just replied " That is from marketing, not our issue. '' I was disgusted and canceled my card on the spot. Customer service was indignant and stated that " Citi is the largest bank in the world so we are always marketing ourselves. ''
I just received a call from a gentleman name, XXXX XXXX. He stated that he was a " Compliance Officer '' with the State of California. This gentleman also called my uncles business stating that i need to contact a different company in 24 hours or i will be sited and i will have to appear in court. At the end of this message he stated that i have been warned and have 24 hours to call back.
about the year 2003 we did a modification of our mortgage with XXXX..My husband is XXXX yrs old, we just recently applied to get a Reverse Mortgage only to find out that XXXX XXXX had tacked a balloon note to our existing mortgage which is collecting huge amounts of yearly interest which disqualifies our application making it almost imposible to ever repay..I want help getting this balloon note tacked on forgiven.He is a XXXX and we want to die in our home, not on the road.
On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. XXXX deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with JH Portfolio and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as JH Portfolio Debt Equities , LLC 's ( " JH '' ) response to same. As stated in our response for case # XXXX, JH deleted the tradelines for the account in question in XX/XX/XXXX. JH reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, XXXX, & XXXX. JH utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, JH will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to XXXX on XX/XX/XXXX.  On XX/XX/XXXX XXXX responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how XXXX has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.
I was selling my car on XXXX. A potential buyer contacted me via text, followed by a phone call where we closed the deal at XXXX. It was for a 1969 XXXX XXXX. Buyer sent me a check telling me to wait for funds to clear before shipping the car. A few days later all my accounts are closed and assets frozen. Since then this has been damning. I cant open a regular checking account anywhere. Im not a check expert or fraud expert. I was selling my pride and joy just to get taken for a ride myself. Luckily the check bounced before I shipped my car but nonetheless Im stuck holding the bag as if im the criminal. This is not fair, and is taking a huge toll on my life. Please help. Thank you
Bankruptcy was dismissed  XX/XX/XXXX and still has not been removed. ( Was originally filed  XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y XX/XX/XXXX  and still has not been removed.
In XX/XX/2018 a collections showed up on credit report saying I owed XXXX in the amount of {$140.00} at an address in XXXX, Michigan which I have never been or lived. I immediately filed a theft report with this company and also a police report. After about 3 weeks this was removed from my credit report. I thought all was fixed until XX/XX/XXXX a collections company called I C Systems ( XXXX ) XXXX showed on my credit report for the same account with XXXX XXXX XXXX ) XXXX fraud dept ) ( XXXX ) XXXX for the amount of {$140.00} with reference number XXXX. I have called all numbers that are possible and no one willing to help. So basically XXXX has swept this under the rug and decided a few months later to try and collect again very bad business.
XXXX  isnt doing nothing just collecting all my disputes trans union is not even letting me look at credit i need to monitor my credit b/c of hacking and ID theft victim
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account paid in full and was deleted and then reinserted.
I reached out to Equifax by phone and mail. I explained that these same inquires were deleted and now they have repaired. I need those items gone and never appear again.
This CFPB dispute should be considered in addition to CFPB reports XXXX and XXXX, which were issued to Chase Bank and XXXX  Respectively. 

Since those disputes were filed on XX/XX/2018, my dispute directly with XXXX  has already been closed. See XXXX Report # XXXX, which I '' ve attached to this CFPB dispute, in which I'm told that my report has been " updated ''. The only " Update '' from before/after this dispute was submitted yesterday was that this month posted to the Chase Account in question as " current '', but the late payment in question from the month of XXXX remains completed unchanged. There was positively no information backing up the late payment status, and thus the dispute did not offer me any information or proof regarding the original intention of the dispute : to clear the late payment. I searched the report for any proof of wrongdoing and/or proof of not paying the account as agreed, and this was not provided to me. I request that this proof of wrongdoing is provided tio me within 30 days of the original dispute date ( Yesterday, XX/XX/2018 ), or else the dispute shall be resolved in my favor persuant to the Fair Credit Reporting Act, such that the accout in question is updated in the month of XX/XX/2018 from " 30-60 days late '' to " current ''.
We found this house in 1996 for XXXX got switched to Nationstar and had to start paying our own insurance which they said they would do. We refinanced once because they told us it was in our best interest. Which we did but lost all the paper work in hurricane XXXX have tried many times to refi with the rates so low. Going thru bankrup got a bill for XXXX plus they are now saying we owe XXXX plus the XXXX on a XXXX year old loan for XXXX something somewhere is very wrong. Any advice or help would help us out the pressure and XXXX is horrible.
XXXX now been over a week that i bought some Relodit Packs ( https : //www.XXXX ) from BlackHawk Networks ( http : //XXXX ) and have not been able to load them to my XXXX prepaid XXXX Card. I called Relodit Packs customer support daily and still have not been able to access my funds i have stored on their cards.
Home damaged by hail storm XXXX/XXXX/XXXX. 
Check amounting to {$23000.00} received from XXXX XXXX on XXXX/XXXX/XXXX. Check forwarded to mortgage company RMS, XXXX XXXX XXXX, XXXX, TX XXXX, telephone # XXXX, Loan # XXXX, Date of funding XXXX/XXXX/XXXX. Property address XXXX XXXX XXXX, XXXX, TX, XXXX. Mortgage is a reverse mortgage. 
RMS acknowledges receipt of funds but will not release any funds to insured party. RMS also advises that only 50 % of funds will be released to insured party. No firm date is provided as to release of insurance funds. RMS also indicated payees on check will be Contractor authorized to perform repairs and insured parties indicated on insurance policy. 
Today is XXXX some 12 days after funds were forwarded to RMS.
Medical debt was paid in full in XXXX of 2015. XXXX seperate accounts for {$54.00}, {$20.00}, and {$7.00} were all paid off in XXXX lump sum payment. The debt collection agency reported the collection to the credit reporting bureaus XXXX months AFTER they were already paid in full, thereby negatively impacting my credit score due to collections accounts that no longer existed.
Dear Sir/Madam : When the XXXX data breach occurred I immediately tried to place a block on all companies that gather credit information including Experian. Normally that should have been a simple process, however when I attempted to place a block via their website the company directed me to set up an account and charged my credit card for nearly {$30.00}. When I realized what had happened I cancelled the unsought " membership '' and as a result I received the following message on XX/XX/2017 : " Unfortunately, your Experian credit file has been automatically unlocked. 
Our CreditLock feature is currently available to upgraded members only. Because you chose to cancel your upgraded membership, you are no longer eligible for this benefit. 

If youd like to take advantage of the CreditLock feature once again, you can simply upgrade to have all the benefits you had before. 
Upgrade now '' The message above seems to me like an attempt to extort a monthly fee for a service which I did not request. All I want to do is to lock our credit accounts, but I am not certain how to accomplish this without incurring additional charges. 

Is it possible to pass legislation/regulation to control this type of consumer abuse? 

Kind regards - XXXX XXXX
I am an American Express client since XXXX. I have the Gold XXXX card and the preferred credit cards. During XXXX XXXX, XXXX they sent me an extended payment option for my gold card ( Given the Gold XXXX card it is a charge card, the remaining balance has to be paid at month end with the statement ). The offer also included the XXXX code for my personal offer details. Considering that I am a frequent traveler, I decided to enroll in the promotion, but apparently I could n't do it online. A customer representative told me that I could do it later, so I took her advice and pay my travel spending 's with the Gold Card. 
Week After I kept trying to enroll to register the offer since I was not able to pay the full statement balance at month end. During XXXX XXXX, XXXX I receive an email that apparently the offer was sent by error and I could not benefit from the promotion. Also they were constantly insisting to pay the whole amount even though I tried explain the situation. 
During XXXX XXXX, I contacted XXXX XXXX XXXX ( supervisor ) in efforts to solve the situation. She apologizes for the situation and promised that she will get back to me in 48 hours max, with a solution to this unfortunate misunderstanding. 
At today 's date, ( 6 days later ) I still have n't answer from her or related peers or manager regard the situation. I called this morning and no one is able to locate her or willing to assist me. 
I am very disappointed with this situation and I do n't want to affect me emotional nor economical. 
Please help me remediate this before it keeps affecting me.
To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( XXXX, XXXX  and Experian ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and XXXX  did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.
In my Marital Settlement Agreement dated XXXX, Page 5 shows that the Bank of America Credit Card belongs to my ex wife XXXX. This was signed by the judge XXXX, in my Final Judgement for Dissolution of Marriage. I have been contacting Bank of America for the last month as this still appears on my credit, and my ex-wife has let it default. On the phone, I continue to get transferred to people who tell me they will look into it, and then nothing. I did receive attached letter dated XXXX, saying it could not be transferred to a 3rd party. She is NOT a third party and was on the initial qualification for this card. I have a court order that this is no longer my responsibility, and this needs to be removed from my credit.
A balance transfer of {$4000.00} was posted to my USAA credit card on XX/XX/XXXX. This is a bogus transfer to my USAA account. I contacted USAA on XX/XX/XXXX and informed them that his was a bogus transaction. I was told they would correct the transaction in 2 to 5 business days. I called again on Friday to make sure there were no problems with their protocol. Today, XX/XX/XXXX, I called to find out why the {$4000.00} amount was still showing up on my account. I got the run around again.
My credit was hurt significantly due to an error by Bank Of America which they are not recognizing after several attempts to contact them. My account was opened in XX/XX/XXXX, which i discontinued using in XX/XX/XXXX due to better rates and points with another credit card. I stopped all reoccurring charges from auto pay going into this card ; however XXXX account with XXXX XXXX membership was missed and a charge for {$100.00} annual membership was processed on XX/XX/XXXX. As i stopped monitoring this account i did not notice this charge. Account than was reported delinquent for 90 days and Bank of America did not contact me or try to get in touch with me. I hold saving account with Bank Of America for over 20+ years my average balance is well over $ 50K and yet for just merely {$100.00} my credit was hurt significantly that has effected my qualification for Mortgage rates. I could qualify for 2.75 % on my mortgage but the banker is saying due to my score i need to either purchase points or pay higher rate at 3.6 %. My complain is that Bank Of America should revisit their collection processes ; if i 'm an existing customer for two decades with significant balance why was my credit hurt for only {$100.00} delinquency or why was I not contacted? I have sent several complaints but have not heard any positive response to help me.
Synchrony Bank repeatedly calls multiple times a day, sometimes about every two hours between their allotted harassing time. They always use a masked telephone number, presumably so I ca n't block whatever number they are calling from. Since my cell phone is also my work phone, their repeated calling disrupts my everyday work.
Called family members claiming I used them as reference on credit application, asked them for my Social Security Number and address.
Equifax, XXXX, XXXX, XXXX, and XXXX XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX or XXXX XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX   XXXX veteran very difficult.
Navient is reporting my accounts as late when I was in forbearance and it damaged my credit score
In 2013, I requested a XXXX Discharge for both federal and private loans with XXXX ( Navient ). I was approved by XXXX, XXXX, XXXX and XXXX to discharge all federal loans. However, XXXX never sent any paper work of any loans that were discharged, reduced or any information regarding any of my private loans. XXXX continued with XXXX remaining loans, XXXX of which have my co-signer on them. I 've tried to request the discharged loan information with no response. I have had respondence to the XXXX via email and phone with no resolution. I have given them fininacial worksheets for both myself and cosigner and they refuse to reduce my payments or work with me because of my XXXX and XXXX income. Currently, XXXX loans are in default because I can not afford to pay for them due to my income amd XXXX status. XXXX loan is manageable and is being paid for currently.