WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to establish my identity with Equifax. My identity have been stolen and is being abused. Also I filed bankruptcy in XX/XX/XXXX. XXXX District of Tennessee. XXXX XXXX XXXX XXXXe was included in the bankruptcy. The case number is XXXX. XXXX XXXX XXXX loan number is XXXX. Equifax sent me a copy of my credit report. Yet XXXX XXXX XXXX is no longer listed on my credit report. The property at XXXX XXXX XXXX XXXX TN XXXX, was foreclosed on in XX/XX/XXXX, you states a bankruptcy remain on your report for 10 years. All of my history is being deleted by someone. The property was sold to Tennessee Housing Development Agency in Tennessee. XXXX XXXX XXXX XXXX have been working with me and sending me all transactions. XXXX XXXX XXXX XXXX confirmed they began servicing my loan in XXXX. XXXX XXXX /loan number XXXX was established on XX/XX/XXXX. XXXX XXXX is no longer on my credit report. Yet XXXX-mortgage interest statements have been reported to IRS using my personal information. My social security number and I was told to notify Equifax. You may want to confirm this information with the Trustee XXXX XXXX with the bankruptcy court. Honorable XXXX XXXX is the Judge over the case. I have mailed you a copy of my drivers license, voters registration card and social security card with my name change. And the identity theft affidavit sent to XXXX XXXX XXXX XXXX for investigation.
I owed a debt of {$520.00} for a Capital One credit card. When I was unable to pay, a debt collection agency, XXXX XXXX, began calling to collect. 

In XX/XX/2018, I spoke with them about paying off the debt. I had about {$300.00} dollars to pay. I asked them if they would accept his as payment in full, and remove the amount owed from the credit reporting agencies. They agreed to this amount. 

In checking my credit report today, I saw that {$200.00} is still listed as a balance. I called them to ask them about this account. They indicated I had " settled '' the debt, not paid it off. I informed them their agent had agreed that I would not owe any further amount if I made the {$300.00} payment, and they would report it as paid in full, and this is why I agreed to pay at that time. 

When I called, I informed them I felt that had lied to collect the debt, and they apologized, but indicated they would do nothing to rectify the situation. They indicated they could not contact the reporting agencies to fix this error. I informed them I would be making a report about this lie.
Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed XXXX XXXX of our finicial hardship. We ask XXXX XXXX to work with us and informed XXXX XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX to work out new repayment terms. We were unable to to Pay the excessive interest % rate on our loan and we were unable to Pay {$160.00} twice a month, which were deducted out of my bank account every pay day. 



I also e-mailed XXXX XXXX know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate. 
XXXX XXXX has also threatened to sue me and refused to work with me. 
I have not recieved a default letter by mail nor e-mail XXXX XXXX responded by, '' stating my account would be refered to an attorney if I did not pay according to current loan terms '' and I would be sued for the remaining amount I owed on my loan ''. 
XXXX XXXX is refusing to work with us in regards to our documented finacial hardship. 
XXXX XXXX is refusing to work out an affordable repayment plan, so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by XXXX XXXX I feel XXXX XXXX took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive % rate on my loan and with excessive payments {$160.00} twice monthy equals XXXX monthly. 


I was never sent a default letter my email nor by mail, XXXX XXXX is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.
On XX/XX/XXXX at XXXX I contacted J & L Teamworks regarding my credit report. I spoke with XXXX. I told her I had XXXX accounts on my credit report from them with a XXXX balance appearing on XXXX but balances owed on XXXX and XXXX. She said she would give it to her supervisor for resolution yet here we are XX/XX/XXXX with no resolution. On this call she also said I had an open balance with them for {$130.00} from our local hospital XXXX XXXX. I immediately looked at my bank account and I had paid XXXX and possessed the cancelled check. In addition, I phoned XXXX 's accounts receivable department and they confirmed there was not outstanding balance. Again, she said she would tell the supervisor and get back to me. I have now received another collection letter from J & L Teamworks for the same {$130.00}. I just phone dJ & L and spoke with a XXXX. He said the {$130.00} is still due. I explained the above information and said he would look into it, that no one by the name of XXXX has ever worked there, then he proceeded to advise me there was over {$3000.00} of additional invoices due dating back to XX/XX/XXXX all under my wife 's name. I told him that was incorrect also. I asked him to email me the invoices and he refused. 
I have dealt with J & L Teamworks over the years as our local hospital XXXX sends all of their collections to them right at the 30 days due mark. J & L Teamworks using harassing tactics and bullies their debtors as well as never following through on what they say they will do, as exemplified above. They are very fast to report inaccurate information on a debtors credit bureau as a leverage tactic, but never seem to get around to fixing the incorrect reporting. This company needs to be fined and put out of business. 
Finally, they broke the HIPA laws by reviewing these " so called '' outstanding bills with me, when the account is under my wife, XXXX XXXX 's name. 
I respectfully request that the CFPB contact them, get these items removed from my credit bureau as I was promised and provide a full and detailed list of these supposed past due bills amounting to {$3000.00} from XXXX. 
Thank you
I am unable to add information to my original complaint XXXX. Continued to have many issues with TD Bank Credit Card Services. Attached is my final letter I sent my certified mail to the corporate office with my final resolution of my original case.
I 'm going through a difficult divorce and called in to secure the card information and place everything in my name and remove my soon to be ex from the account. The company sent an email to his address after I removed it advising him I was making changes to my account. I know this because he forwarded me the email.     He was also able to gain online access to view what the card was being used for and print statements which he presented me with copies of yesterday.     This is clearly a violation of my privacy and a failure on the part of the company to secure my information.
Midland Funding , LLC and their subsidiary, XXXX, XXXX, XXXX had a judgment against me in XX/XX/XXXX and garnished my wages for four months in XX/XX/XXXX collecting {$3100.00}. The debt I owed was {$2500.00}. The debt was paid and they have recently started garnishing my wages again in XX/XX/XXXX taking {$830.00}. I called the legal department of my company and she stated that they collected the funds in XX/XX/XXXX and she does n't understand why they are garnishing my wages again. I 'm filing a complaint because I believe they are unlawfully taking funds from my check now.
As of XX/XX/XXXX Experian reporting agency reduce my score XXXX points and the only thing that has change on my credit history recently is that I paid off a credit card. When I asked them my why reduced my score they told me they can not give credit advise. They were also still reporting a collection from my past that should had been removed. I have sent them a copy from the circuit court in XXXX XXXX County, IL stating that the collection has been dismissed as of XX/XX/XXXX but XXXX is the only reporting agency that refuses to remove it from my account.
XXXX has been non-compliant with removing the unverified account SYNCB/WALMART which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/WALMART was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I signed up for an american express everyday credit card under the pretense that my balance transfer would be 0 % interest for 18 months. When I received my first bill in XXXX, I had been charged {$32.00} interest. I immediately called the company and was told it would be taken care of in 3 to 5 business days. I have since gotten my second bill from them for XXXX and have been charged an additional {$59.00} in interest. I called them again on XXXX/XXXX/XXXX And was told they would file a dispute. It is now XXXX/XXXX/XXXX, and my account still has not been fixed. This has also caused my minimum payment to go up. I have been wrongfully charged a total of {$91.00}.
I am an elderly, XXXX woman. 
I went alone to purchase a used car in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone ( XXXX ) XXXX XXXX works with following company to get loans financed : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX phone ( XXXX ) XXXX XXXX asked ME for {$11000.00} for a XXXX XXXX XXXX, 4-door sedan with odometer reading of 90,818. THIS PRICE WAS NOT ON THE CAR FOR ALL TO SEE. I thought this was high. 
I asked for the XXXX Report and the salesperson indicated their fax machine was not working. Instead he provided a report titled " Vehicle Compliant with Credit Acceptance Policy '' which indicated there was no damage to the car. 
I agreed to purchase the car and asked for gap insurance. The salesperson indicated that gap insurance could not be obtained that day if I wanted to drive off in the car. I had financed one other used car which was totalled and the car insurance did not pay off the entire loan so I definitely wanted gap insurance. 
The salesperson indicated I could obtain gap insurance the next day. I had taken public transportation to the end of the line then gotten in a taxi to get to XXXX XXXX so I signed a document, under duress, indicating I did not want gap insurance. When I called to obtain gap insurance the next day, I was told I should have gotten it the day I purchased the car and could not obtain it.
The terms of the loan : Amount financed : {$12000.00}, APR : 23.99 %, No. of payments : 54, Amount of payments : {$380.00} beginning XX/XX/XXXX ; Finance charge : {$8100.00} ; Total of payments : {$20000.00}. 

The amount financed of {$12000.00} was reached as follows : asking price of car : {$11000.00} + {$760.00} in sales tax - {$1600.00} downpayment = XXXX plus following costs/fees : XXXX extended warranty contract ; {$20.00} fee to release security interest ; {$170.00} fees for certificate of title, license and registration ; {$390.00} seller 's processing fee. 

When I tried to trade the car in the next year, I was told by a XXXX XXXX dealership salesman that the XXXX XXXX value of the XXXX XXXX in XX/XX/XXXX was about {$4000.00}. The XXXX XXXX salesman provided me with a XXXX Report which indicated that the car had been damaged in an accident and there was a recall on the car. I feel that I was grossly over-charged for the car by XXXX XXXX, about THREE TIMES its value, and that Credit Acceptance added insult to injury by charging me 23.99 % which is practically illegal!!!!! I definitely believe the asking price was high because I am elderly and female.
Never received anything about alleged debt through mail. Repeated phone calls and threats to family members regarding alleged debt..
Navient received payment in full on XX/XX/XXXX. They did not apply until XX/XX/XXXX. They are now sending a generic letter about when check clears. Please it has been 10 days the checks have cleared and still they are refusing to release co-signer and admit the payments are in full. Still getting invoices even though with -0-. These loans should have been included in Chapter XXXX, they continued billing interests and false reporting, yet I paid them ( when probably I should not have per recent cases Bankruptcy and Private Student Loans ). They mishandled my Federal Loans and Private Student Loans. Modifying the interest to make it impossible for me to pay it  down continuously raising the interest at their whim.. So, I had to find a way to pay in full. Even then they are still refusing to admit these are paid in Full and send a Paid In Full pay off letter making up a story about check clearing. Please the loans are settled and should indicate as such. They should reflect on website, CRAs and stop invoicing me and co-signer.
This complaint is against Wells Fargo. 

My credit card with Wells Fargo was hacked and {$7000.00} of fraudulent charges were made on it starting in XXXX of 2018. The established pattern of banking consisted of 2-3 transactions per month, simply transferring funds from the credit card to my checking account in large dollar amounts ; typically {$2000.00} to {$3000.00} at a time ; as I managed cash flow. This pattern was in process for approximately 12 months. When the account was hacked, there were suddenly dozens of transactions per day in small dollar amounts made to XXXX and XXXX accounts. 

Wells Fargo failed to notice the unusual account activity and when I discovered the problem and brought it to the attention of their fraud department, they took no responsibility for the problem and refused to reimburse me for the stolen funds. They stated in a letter that since I had paid my bill, that I automatically accept all charges made on the account. This is unacceptable negligence and the poorest customer care I can imagine.

My complaints are the following : 1. Wells Fargo does not seem to have an effective system in place to detect unusual account activity or bank fraud.

2. Wells Fargo does not bear responsibility for failing to secure their customers bank accounts when they are compromised.
EDFINANCIAL is hurting my report in which was closed in XXXX of 2013
XX/XX/XXXX XXXX and NCB financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XX/XX/XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information.
They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
My wife and I submitted a mortgage application to Wells Fargo Bank for an Investment Loan in early XX/XX/XXXX. The mortgage was approved by Wells Fargo Bank per a commitment letter dated XX/XX/XXXX. The letter noted that as a Condition of Loan Approval Lender to receive a Satisfactory HOA Certification/Form 921. The condition was noted as SATISFIED. 

In XX/XX/XXXX I received notice from the HOA that my wife and I were in violation of the HOA CCNRs. At the time I reached out to Wells Fargo Bank for assistance and for a copy of the completed HOA Questionnaire Form 921. After several months and multiple follow up requests I received a copy of the Form in XX/XX/XXXX. The form indicated that Wells Fargo were informed that the property could not be sold and meet the conditions of my mortgage application. However, Wells Fargo Approved and Funded my Loan in violation of the HOA CCNRs. In the months I waited on the document from Wells Fargo I incurred significant Legal Fees ( {$37000.00} plus {$2300.00} in travel costs ) in working through discussions and arbitration with the HOA. 

On XX/XX/XXXX I submitted a complaint to XXXX XXXX XXXX, CEO Wells Fargo Bank. My complaint reflects that Wells Fargo did me wrong in approving the mortgage loan in light of the information that the Bank received from the HOA. However, the Bank approved and funded the loan and I since incurred significant legal fees as a result. My legal fees were also higher as a result of the time it took Wells Fargo ( over six months ) to provide me with the requested HOA documentation.

My complaint therefore asked Wells Fargo to compensate me for the legal costs I incurred as a result of their failure to perform their due diligence and fiduciary responsibilities entrusted to the bank. Since submitting my complaint to XXXX XXXX I have received similar updates as I did in XX/XX/XXXX with the bank continuing to push out the expected response date to my complaint : Summary of Correspondence : 1. My Complaint Letter to XXXX XXXX XXXX XX/XX/XXXX 2. Update from XXXX XXXX SVP WF Home Lending XX/XX/XXXX Response Due XX/XX/XXXX. 
3. Update from XXXX XXXX, Customer Care Recovery Group XX/XX/XXXX New Response Date pushed out to XX/XX/XXXX 4. Update from XXXX XXXX, Customer Care Recovery Group, XX/XX/XXXX New Response Date pushed out to XX/XX/XXXX XXXX. Update from XXXX XXXX, Customer Care Recovery Group, XX/XX/XXXX New Response Date pushed out to XX/XX/XXXX This is the same type of delay I experienced from Wells Fargo in XX/XX/XXXX when I was simply looking for a copy of the HOA Questionnaire/Form 921. Wells Fargo continued to delay, delay and ultimately the response cost me incremental legal fees, frustration, pain and suffering that I fear will continue again without the CFPBs help and support. 

I believe I should be compensated for the costs I incurred as a result of the Bank errors and I would very much appreciate your help to bring this matter to a resolution.
My original home loan was sold to XXXX XXXX and then sold again to Fay Servicing over the last ten years. I did experience a bankruptcy and paid back every cent of my owed amounts. Upon completion of my bankruptcy the next step on my financial journey was to repair the home loan -I applied for loan modification several times Between XX/XX/XXXX andXX/XX/XXXX. Each time I would Submit paperwork to my account manger -they would continually ask for additional Documents - which I worked hard to obtain - when my loan package was complete Or nearing completion i would suddenly be passed over to a different loan manager or mysteriously my paperwork would be missing- I worked with aN Account manager named XXXX - XXXX XXXX XXXX XXXX just to name a few. I applied for the loan modification not to ask for a reduction in payments just to work the arrears of th mortgage into the mortgage as I was able to pay each month and was denied unless I could Pay the entire arrearage. Even though I pay my own water trash and Insurance I have been continually charged by XXXX servicing for such services adding and compounding fee onto my arrearage- I as an consumer have tried to work with Fay serviceing in good will to repair my mortgage with no options from them and limited contact from them. I work hard and can pay my note and do not want to lose my home to foreclosure.
AFNI , INC is a debt collector that is attempting to collect a debt that is not mine. AFNI , INC has purchased the debt from another debt collector XXXX XXXX XXXX XXXX XXXX I have never given any information to or signed any contracts with AFNI, INC. AFNI , INC inquiries into my credit file has had a negative effect on all XXXX credit scores and has prevented my ability to apply for a line of credit.
i recieve letter dated XXXX XXXX I reply disputed the debt. Never recieved reply back but XXXX month later debt was listed on my credit report. This unfair practices. I disputes the charge only find out the debt was paid XXXX month before it went to collect but the XXXX say it still valid
I am having trouble with getting this account off of my credit. I believe there was a mistake with an account that I had previously with XXXX XXXX. I purchased a comforter for about XXXX. At the time I was going to buy a computer desk, and book case. I cancelled everything but the comforter. I paid off the comforter already. There is this balance for XXXX, which should not be on my credit. I have written XXXX XXXX several times to obtain any paperwork to validate and show the errors, however there has not been any forthcoming information. I want them to remove it right away, because it is interfering with my credit score and rating. 

Enclosed is the last letter that I sent to XXXX XXXX. 

Thank you
{$15.00} Date XX/XX/2018 XXXX XXXX transaction # XXXX XXXX AZ XX/XX/XXXX ( ... XXXX ) This company was one I used in the past. I have cancelled all services and was recently charged. I orginally established the account with an old phone number. They demand to send me a pin via text in order to discuss the account in length. I am unable to update my phone number myself through my account or with them on the phone. They demand that I fill out a document, which I filed, in order to bypass their requirements. I have filled out this form and nothing is moving forward. 

They charged me last year, I gave up on disputing it because they made it too difficult, never recieving the form. 

They want me to do the same process which I believe is going no where again. 

When I explained what happened the representative hung up on me.
Portfolio Recovery Associates has resumed trying to collect on a debt that was successfully disputed and found to not belong to me. Today, they have resumed calling me trying to collect on a debt that I do not owe.
Ocwen took my loan over when we filed Chapter XXXX in 2011. It has been a nightmare ever since. I do n't believe any of my loan information is correct. We are still in Chapter XXXX and Ocwen is calling me ( first call was on XXXX, yes, a Sunday XXXX to tell me I owe them over {$10000.00}. Absolutely incorrect and illegal since we are in Chapter XXXX. When Ocwen took our loan over, they gave us a modification which reduced our payment amount to {$1200.00}. They are now saying our payment amount is supposed to be {$1500.00}. I have documents showing the {$1200.00}, but I guess they ca n't find them. Most recently I received a bill for {$9700.00} and corrected tax document which will make me owe the IRS. I do n't think any of it is correct. I ca n't ever speak to anybody that speaks XXXX so I totally understand how nobody knows what is going on. Ocwen does have a consumer omsbudsman, who does speak XXXX, but they have n't done anything but lead me on as well. The omsbudsman said to give them 15 days to get it corrected and that was the day after XXXX XXXX XXXX XXXX ). I have received documents stating they will charge me for insurance on my home because I do n't have any, again, absolutely incorrect. I have requested a complete audit of my account from an outside source, but have not received any response. I am unable to scan all the documents in today, my scanner is not working. I did take photos and attached a couple of documents I 've received showing the amount I owe, it too changes all the time.