WillisBack/dataset-financial-user-claim huggingface dataset:
Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX XXXX, and Equifax. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX
I went to Bank of America. XXXX XXXX XXXX. XXXX, PA XXXX around XXXX today XX/XX/2018 and had a check to cash from my insurance. I waited for the next teller and when I got to the counter I explained that I was not a customer but the check that I needed to cash was from an account holder with Bank of America. I was asked why I didnt take it to my bank and I replied that I have been out of work for over a month now due to XXXX XXXX and had XXXX. My bills got behind and I am trying to keep lights on and not have stress worrying about my car being reposessed and I can't wait 3-5 days for it to clear at my bank. I went on website and saw that they advertise that they will cash a non account persons check drawn from the Bank of America for no more than {$5000.00} for a fee of {$8.00}. So I figured it was within tights to cash it there and get bills taken care of and relieve some stress from myself. I was then told that they did not have {$5000.00} cash on hand to cash it and not for someone without an account with them. I said if I open an account how soon can I pay bills from it. I was told 3-5 days and that she new this to be right because she was the Bank Mamager. I was so upset and embarrassed at this point that I left the building and came home. When I got home all hysterical my Husband said to calm down and he had me call FTC at XXXX. I spoke with a lady named XXXX that gave me instructions to file on line. She offered to do it over phone as well. I hung up the phone and called XXXX to get the lady managers named on duty today and was told her name is XXXX XXXX. So now I have the name of the teller that I talked to since she addressed herself as the Manager. I tried to call over the weekend to verify the information was correct. XXXX and could not talk to a live person unless I had an account number. I do not feel I was treated fairly and they advertise that they will cash a check for Thats amount for a fee.
I 've tried to get this item remove, but this company keep giving me the go around. Since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
On Friday XX/XX/2018, I made contact with XXXX trying to find out why an old account with XXXX XXXX has not been deleted from my credit as of yet. My argument with XXXX was throughout the past year, I've sent advanced dispute, debt validation request to XXXX XXXX XXXX to validate a repo debt that was being reported incorrectly showing the wrong amount. The representative stated we will reopen investigation, but could not state what the company was reporting back to them. I contacted XXXX XXXX   myself by phone since they never responded back to my Debt validation letter and the representative I spoke with stated that my account was turned over to a in party 3rd collection group called XXXX XXXX XXXX and they don't have my account in their files which mean they was unable to validate the debt. I never received a call from XXXX XXXX nor or they reporting to my credit. The representative their couldn't locate my account but ask me to pay XXXX when it's reported to XXXX as XXXX. I XXXX the company information online and it's listed as a scam. I'm asking that XXXX XXXX is remove from my XXXX   credit report. And I also request hat XXXX XXXX do not contact me. The statue of limitation to collect a collection debt in the state of SC is listed as three years and it's been almost 7 years.
I am filing this complaint because I was mislead by XXXX XXXX at XXXX XXXX during my refinance process. 

Although I was going to get a slightly lower interest rate, I was hesitant to refinance because I was already 1 year into my PMI payments with the current loan at Wells Fargo. He insisted that the lower interest rate would out weigh the ONE year of extra PMI payments. 

-- My father is my witness as I placed ALL phone conversations on speaker phone so that he could listen and ask questions on my behalf ... 


XXXX told " us '' that I would not have ANY issues getting rid of the PMI after the 5 years. He said to make sure that I was never late with any of my payments. He explained that I would want to reach out to the bank at least 6 months prior to the 5 year contract term to " get the ball rolling ''. He said I would probably need to obtain and pay for another appraisal but in the end ..would n't it be better to pay {$500.00} dollars for that than to pay the PMI monthly. He said that as long as the appraisal showed there was 20 % equity in the home, the bank would have to cease the PMI payments. He went on and on about the current house market ( at that time ) and how the house was probably close to it already. He said there would be no issues. 

A month after my refinance went through, I received a letter from XXXX XXXX XXXX telling me that my mortgage was sold to Wells Fargo. 

So when the 4 1/2 years had gone by and I had paid all of my payments on time, I reached out to Wells Fargo to discuss removing the PMI at the 5 year mark. I was told then that it could not be taken off until their was 20 % equity of the " original '' purchase price. This would have me paying these PMI payments until XX/XX/2021. This was NEVER mentioned by XXXX. 

I feel I was completely mislead just so that he could possibly have met his " quota '' for refinances. And I am now paying the price.
I paid for my credit report at XXXX and found that on XXXX XXXX, 2015 XXXX hard inquiries were pulled with concern to : XXXX and XXXX, so I called them. The information I received was an incorrect social security number, date of birth, address and employer was given when applying for auto loans. I was referred back to Equifax whom is reporting the XXXX hard inquiries. I 'm being bounced back and forth between Equifax and XXXX XXXX and XXXX Loans. I did not apply for any auto financing and would like CFPB to investigate this matter. As per my credit report this matter is only on my Equifax report.
I applied for a Capital One credit card, I recieved a phone call a few days later to verify my identity. After passing the identity test or whatever I was told that I would be mailed out a card. 

Now I am being told that I need to verify my identity again before the card will be sent out. I tried using the website to upload the documents, but the website is not working. It keeps giving me an error message ( picture attached )
The exact same SYNCB/WALMART account on my XXXX Credit Report is reporting twice. As I explained to XXXX, these two accounts are the same exact account. The second account was created when my credit card was stolen and SYNCB/WALMART issued a new account number to prevent fraud. One of these accounts shows a payment status of 'unknown '. As such, the account should have been deleted on that basis alone since XXXX admits it cant verify it. Lastly, my account shows that I was 30-days late when in fact that is not true.
ENHANCED RECOVERY CO has placed a collection acct on my credit reports that is not mine and they will not validate this acct. 
It needs to be removed at once/
I used to sell my family 's older XXXX on eBay, and insist on using Paypal as a payment method. In XXXX of 2013, I sold XXXX such device to a user in XXXX. I 've successfully sold across the globe with no issues. After almost a month this particular user however, decided to initiate a damaged device claim against me via Paypal. In accordance with Paypal 's rules, I instructed the buyer to return the device, at which time I would refund his amount. The buyer, who turned out to be a scammer, sent a box to an address XXXX zip codes from mine with an incoherent recepient ( XXXX instead of XXXX ). The Post Office would not release the box to me as my neither name nor address was on the ship to address. I contacted Paypal, who explained that they had already released the funds to this scammer ( in violation of their own terms, ) and insisted that I pay the negative balance of {$370.00} in my account. I explained to them their mistake, as I had not received the unit and this was a clear violation of their terms. I spoke to XXXX representatives of the company over XXXX month, at which time they closed the dispute. I was then instructed that I needed to pay the amount ( {$370.00} + approx {$50.00} for shipping ) or I would be sent to collections. Seeing no choice as my credit rating was being held hostage. I complied. I did not know this Bureau existed or I would have immediately opened a claim/case then.
Since XX/XX/XXXX Credence Resource Management frequently harassed me in attempt to collect an alleged phone bill debt I owed. I asked them to verify the debt, they ignored the dispute letters I sent and reasserted their claim I owed {$690.00} on my XXXX credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XX/XX/XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report derogatory information on my XXXX credit report. Given that Credence Resource Management acted in bad faith, and have not complied with federal and state laws, I told them I will seek damages against Credence Resource Management seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
on XX/XX/XXXX I made a payment of XXXX my loan. This amount would pay off one of my loans with Navient. When I checked they only on XXXX that went on the balance.. what happened to the XXXX dollars. I will be calling on Monday to find out this problem This is the worst company. Now I am wondering how many times they have taken my money and didn't appy it correctly.Thank you
We opened a Barclays Master Card account to pay the maintenance fee for a time share with XXXX. We used the card 1 time to pay the fee off in 6 months with no interest charge. We paid the first payment after receiving the notice but we never got a notice of the next payment due and forgot. After several months, we received a call telling us the full payment was due with a late fee. We paid the full amount and the account was closed. This all transpired in XX/XX/XXXX and XX/XX/XXXX. Today I received a phone call from XXXX XXXX saying we owed {$380.00} on the credit card amount. The reason they gave was that when we made the last payment that there was a penalty and interest that were due not included in the amount given to us. So for a year they have been adding interest and charges on an account that had been closed for some time. In the meantime, we have been working with a representative of XXXX to give them back our XXXX properties. For this gift of a deed for a XXXX, AZ resort and XXXX XXXX, we have to pay {$750.00} in title fees. We were told by this representative to ignore the latest maintenance fee bills that we would not be charged for them. Today, the person calling from the credit card said we still owed the credit card fee. We feel that we in good faith had paid that account off based on the amount we were given by XXXX/Barclays MC. We disagree with the amount and feel that any law allowing them to do this is unfair and should be outlawed. The consumer should have some protection. We also would like those charges to be removed, the account closed and a letter sent to us and XXXX XXXX showing a XXXX balance on our account. Thank you for your help. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
I have contacted the collection company and both Credit companys Regarding the error on my credit report. I do not recognize this account or ever have an account and since they clearly do not display with the original creditor was on the file I have no idea on how to look into it further. This grossly inaccurate negative account destroyed my credit and neither credit company is following the law along with the collection company by just plain accurate information outlined by the FCRA.
I was paying a collections company Definite for a bill from XXXX XXXX XXXX phone company and only had a one payment of {$110.00} left when they sold my collection to SW Credit Systems LP and they put on my credit report on XX/XX/XXXX for {$560.00} that was before I was to make my last payment after XX/XX/XXXX with the other company. That is XXXX they didn't let me finish paying them so it was paid off so they could charge me more interest and put it on my credit report.
have disputed the late payments on XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX   XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
this company which has already received multiple harassment complaints XXXX XXXX has contacted my ex wife whom I have n't had communication with since 1990!!!!!!!!!!!! my ex brother in law frequently and daily whom I have n't seen in 9 years!!!!!!!!!!!!!!!!!! and leaving threatening messages regarding legal action!!!!!!!!!!!!!!!!!
I am a victim of identity theft. i submitted my identity theft report to Equifax to have the information blocked according to the ftc that i have the right to do. I was not given a reason why they refused to block the information. Instead they keep disputing the information with the consumer and it comes back verified. I have been trying for months to get this issue resolved but to no avail. the accounts are XXXX XXXX XXXX and a XXXX XXXX account.
I have tried to get this resolved on several occasions. Equifax does nothing with the dispute process. I have written letters and still have not gotten any resolution. I have been informed that XXXX is reporting the wrong information to Equifax. I have tried to do a dispute through XXXX and still have not gotten any resolution. This tax lien that appears on my Equifax credit report is an error. I have provided documentation to support that but they still refuse to remove it.
I have received almost daily calls from XXXX since XXXX/XXXX/15. Each time I answer, there is silence on the other end of the line. I received calls from this phone number on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XX/XX/XXXX, XX/XX/XXXX ( a federal holiday ) at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. 

I looked up the number online and it looks like it might be from Southwest Credit Systems ( a collections agency ) although I have no confirmation of this since no one speaks when I answer the phone. I have never communicated with this agency and just checked all of my accounts and credit reports and nothing is showing overdue or suspicious.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : INQUIRIES XXXX XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
This incident happened on the XXXX XXXX XXXX XXXX XXXX. cryptocurrency exchange. On XXXX XXXX 2017 at XXXX XXXX I Completed limit buy order for XXXX ETH @ {$440.00} for a total of {$330.00}. I then attempted to withdraw XXXX ETH from the exchange and then the website timed out. It then threw my funds back into an open order with no option to cancel. Now I can not access my ETH funds. Their support is giving automated responses and is not listening to my problems.
I am filing this complain because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed. please resolve this manner as soon as possible. thank you
I have a credit card XXXX XXXX XXXX XXXXI have a balance of about $ 3500I am a XXXX XXXX veteranliving in a retirement home -- XXXX years oldThey are bialling me at {$290.00} per month- I can pay about {$100.00} -Macy is crrentlyf ining me each month I want to pay and have been paying my account up to date for several yearsCan I get a mediation??
I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.
I drove my car to work and while I was at work a hail storm came thorough and destroyed my car, I tried to keep the car and my Insurance co said that Santander told them that we had to turn the car over to the insurance co and we could not keep it I would of got the car fixed and payed the car off but that  was still not a option. and so I had no choice but to buy another car and be stuck with two car payments that I could not afford. The finance co is Santander phone # XXXX out of XXXX XXXX Texas my Insurance co is XXXX XXXX in XXXX Ks I would appericate any Info please XXXX XXXX
please refer to # XXXX I had a acc with XXXX XXXX they closed my acc and are telling me I am stuck with the credit card processor till the end of the contract. I was told I would be let out of it by XXXX in security. XXXX XXXX vice president of consumer affairs was rude condescending. please help its been going on for 4 months.
I tried reaching Experian and the computer that answers the phone makes it impossible to dispute any item on my credit report. What comes up instead are two options. Option 1 is to purchase a credit report. Option 2 is to buy additional services from Experian. 
Experian 's Telephone answering system is defective and is set up to prevent consumers from filing a dispute by phone. I tried filing the dispute online and I am also blocked with a phone message stating that they are able to process my dispute online because there is no option and no way to reach anyone by phone.
There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the  date you receive this letter. 

Sincerely XXXX XXXX
Thursday XX/XX/2018 Atm deposit of XXXX dollars Atm took the money but never gave the credit.
I invested money in Cryptocurrencies via Coinbase. After a couple of months, I made a profit and started the process to withdraw funds, I made a SEPA payment to link my bank account to Counbase to withdraw, it has been a few weeks since the SEPA payment and the only response I get is, we will get back to you in 2-3 working days. I have around 600 in the account so its important j get it out.
I am receiving a bill from Bank of America for a student loan I do not believe I received. I have attempted to contact them many times including leaving voicemails, calling the BoA main number, and noone has been able to find this loan in their system yet I continue to receive a bill from them monthly.
When I bought a mattress at Sleepy 's XX/XX/XXXX they suggested I pay for it with a Sleepy 's credit card that was free APR for 18months - the purchase was roughly {$2200.00}. I agreed, though I 'd been planning to pay for it outright - I got the card and had roughly XXXX $ a month automatically debited from linked account. When I saw my balance jump from {$1100.00} to {$2000.00} XX/XX/XXXX, I called immediately ( XX/XX/XXXX ) and the man said I could pay the true {$1100.00} balance as a lump sum and close out the account - which I opted to do. I gave him the number for my XXXX checking account and he said it would n't go through - I had him try several times and it did n't work -which did n't make sense. He said to call my bank and see if there was some block on a certain amount and to call back to finish the transaction. I checked with my bank - there should n't have been an issue, they did n't even see that Synchrony had tried to debit my account. When I called back over the next week, I got hung up on twice. When I got through today XX/XX/XXXX, they said the option to pay the lump sum expired on XX/XX/XXXX - so now I 'm stuck with the {$2100.00} balance. This seems corrupt, unfair, and predatory - furthermore-I believe they actively did not accept my payment on XX/XX/XXXX to prevent me from being able to pay off the lump sum. Please help! I only want to be held responsible for the balance of the original sum.