WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a chapter XXXX in 2006, Equifax reported this as XXXX separate bankruptcies and it is still on record. XXXX failure was reporting it XXXX, reducing my score substantially. Second failure, this is outdated and should be removed. It is not a chapter XXXX which stays on for XXXX years, it is a chapter XXXX which should be removed after XXXX and has been by the other agencies. I have disputed this several times however it is not getting resolved, most recenetly this month. In addition, the information I recieved says that a bankruptcy was added to my report. I have to pull my report but that means that either they changed the date or now I have XXXX? This is getting rediculous.
Hello CFPB My name is XXXX XXXX i applied Chase XXXX XXXX Card and my application was declined with phony reason that supposedly i had unsatisfactory relationship with Chase Bank. I called spoke With XXXX department that created this baseless reason that i have unsatisfactory relationship. I was told i had XXXX XXXX XXXX and they closed it thats why its they can not approve my Chase XXXX Personal Card. It's true i had Chase XXXX XXXX  Card and had balance but since they closed my card i already paid off my balance and did not violated credit card agreement. I want please investigate this biased situation and approve my Chase XXXX Credit Card Application. I have great Credit And i'm very responsible borrower. Chase Makes up baseless reasons and closes credit card and then did not approve application.
I received a letter from New Century Financial Services a debt collecting agency saying I owed a bill for XXXX in the original amount of XXXX. Then I was sent court papers sayin I owe {$1600.00}. I went to court to rectify the situation it was clarified that the debt was not mines it was settled on XXXX/XXXX/XXXX the motion was withdrawn by the plaintiff. It was a case of identity theft. On XXXX XXXX, XXXX I received a letter from a marshal that my wages would be garnished in the amount of {$1800.00} for that debt. I contacted the New Century Financial services and faxed over the judgement papers and they have not to stop the garnish.
I am no longer able to access my Wal Mart online credit card online account. I tried calling the XXXX to get me back into my account. The online message is telling me I am entering incorrect personal information and I know it is correct. When I call the XXXX number it sends me to the collections department. I explain to them I want to go online and pay my bill and see what all the charges are. They tell me they can not access that information and I have to speak to customer service. I ask to be transferred to customer service and was sent back to collections. I explained to the rep that I would like to see my XXXX & XXXX statements but they wont let me because they 've locked me out. The collections rep tried again to reach the customer service dept and then they hung up on me. After XXXX calls I was told to by XXXX in customer service to contact another number XXXX. This was also to a collection agency called XXXX XXXX XXXX XXXX could not help me so she transferred me to her supervisor XXXX and he could not help me. They said they are only responsible for collections. All I want is access to my statements. Why cant they give me access to my statements? I do n't recall ever reading that they could lock me out of my online account. Can you please help me get access to my online account.
XXXX/XXXX/16 my wife called me and told me to meet her at world finance.I met her there and she had worked out a loan with Mgr. XXXX XXXX. I had to sign and put my XXXX up for collateral. In about a month my wife had moved out, when I was at work. She left a note saying that she would pay for 1/2 the WFI loan. Since being gone she has not paid anything. I have tried to keep up but it has been really hard, she left with me with every bill. Last month I received a bill from WFI saying I owed {$50.00}, I paid XXXX on XX/XX/2016. This week I get notice now that I owe {$260.00}, the next day I get a letter stating the loan is in default and I have until XXXX/XXXX/16 to pay the {$260.00}. You know I dont think WFI trys to contact my wife about her side of the payment. To my understanding I was not the primary lender on this. I feel like I being discriminated against because I have the collateral. I am about ready to give them the XXXX, but the more I thought about that they can sell the XXXX for wharever price they want and still leave me holding the bag for the balance. WHO WOULD TRUST THEM. By the way I found out my wife used the money to pay off her other payday loans she had, and did nothing for her kids. My sister says I need to tell you I am XXXX yrs old and my wife was XXXX yrs old, for whatever reason. Thank You
I was in an accident that resulted in my vehicle being a total loss on XX/XX/18. I informed prestige financial I could not afford payments because of pending medical claims I had due to injuries from the accident. I informed them once a settlement was received I would take care of remaining balance. On XX/XX/18 a representative from prestige financial called another branch in XXXX XXXX va from XXXX to verify employment and the address. my correct employment information and phone number was listed in their website and has never changed and they were aware of why I have not been able to make payments.
I need some help, I mistakenly billed pay my mortgage payment to XXXX/Wells Fargo a closed credit card which was back in XX/XX/XXXX which was {$2200.00} and not my mortgage company. There was nothing my bank could do because it was a bill pay, I have been trying to get my funds and it has been so hard. It has been three months, I'm behind on my mortgage now also. Not only do I still do not have my money now I have negative remarks on my credit file due to this. I'm not rich and that is a lot of money which I could not replace. I really feel that XXXX/Wells Fargo doesn't care it's there there life this is affecting. I have been told many different things, check was mailed, didn't get in the mail, called again today and spoke with XXXX at the executive offices XXXX ext XXXX and he put in another complaint as the first person would not return my calls XXXX XXXX # XXXX. Now I'm with a XXXX XXXX new # XXXX. I have stressed the important of this as I need to give this money to my mortgage company I was told another check was mailed on XX/XX/13 and still waiting. Please help me
I received a court document that I was being sued by Slovin and Associates on behalf of XXXX XXXX XXXX XXXX, for the amount of {$4700.00}. There are 2 issues here in regards to them attempting to collect the incorrect amount. 

1. Not only is the documentation that they filed with XXXX XXXX XXXX almost entirely redacted/obfuscated, there are four pages that appear to be identical. In Exhibit A of the attached file, on pages 12 through 15, they are all identical ; same " Current Account Balance, '' and " Amount 's, '' all totaling {$100.00}. This is an attempt to collect money from me that is not due and the documents they sent to me are false. 

2. I have had health insurance for quite some time, and there is no way that the amount due was not covered by my insurance company. I have a low deductible on my insurance that would have covered that amount. But since all of the dates have been obfuscated, there is no way of confirming this with my insurance company, and there is no way I can protect myself against these charges.
To whom it may concern, I recently received a copy of my XXXX credit report. The credit report showed a double hard credit inquiry by your company on the same day that I do not recall authorizing. I actually asked the person in charge at the office if it would affect my credit since I didnt need that credit card with your bank or the increase of limit, which I was told that it wouldnt. I understand that they should n't be allowed to put a hard inquiry on my file unless I have authorized it. Thanking you in advance,
XX/XX/18 XXXX XXXX placed a Hard Credit Inquiry for a  XXXX. This inquiry was not made by me. XXXX could not say how the inquiry was made online, in person or by mail. They did tell me they closed the account, which didnt make sense because according to the letter they sent me an account was not granted. They agreed to remove the inquiry but it remains on my credit report.
I had originally been lent my private student loans by citi bank back in XX/XX/XXXXto XXXX, later sold to XXXX. It was not made clear to me what the length of the term would be or the double digit interest rate until after graduation.
XXXX XXXX tried to collect a debit in the amount of {$420.00} for a credit card and have reported the collection account to XXXX, XXXX, and XXXX. XXXX XXXX volutary surrendered its license in 2015 in the state of tennesse. I attempted to disputed this company on several occasions and they continue to attempt to collect this debt and I want them off of all of my credit reports asap as they are hurting my credit profile immensely
I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something I would like to know what the tracking number is so that I can track where this was send because this is a clear violation of my rights and I demand that this account is removed immediately and not continued to be sold that this stops here and right now!
I have completed numerous disputes with XXXX in regards to my XXXX XXXX XXXX and pay XXXX accounts. I sent all information that they requested because it was fraud. XXXX and Experian both removed items. XXXX removed the items then placed it back. Not to mention they are repeatedly showing XXXX as a open delinquent account.
On XX/XX/2015 XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
On XX/XX/XXXX, I sent an investigation request to XXXX, XXXX, and Trans Union. XXXX responded with my results in a timely manner, but XXXX and Trans Union has not. THey are supposed to respond inside of 30 days, but XXXX and trans union has not met this requirement.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX, all non-account holding inquires such as XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX XXXX # : XXXX
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site 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 further exacerbated this risk by waiting over 1 month after discovering the breach before notifying the public. 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. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
XXXX 's closed the account in XXXX, without notifying me. I had requested a new card, but they never sent it and subsequently closed the account for inactivity. I called for over an hour trying to get them to fix the issue, but the adamantly refused to reopen the account, insisting that I would have to reapply. This gives me a credit ding for the closing, and one more for reapplying. Plus, I lose 7 years of credit history. This is a despicable business practice.
I applied for a Bank of America XXXX card while purchasing airfare with XXXX. I was told that if my credit score was high enough I would be approved immediately and the benefits would apply immediately. The fact that there was a high annual fee was not noted unless you clicked on another link that I was told was there but I did not see. My credit score is around XXXX but I was not approved for the card so I did not receive the benefits. Then weeks later I was approved and given the {$75.00} fee. I complained but they refused to subtract the fee and cancel the card.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
First, my loan was consolidated and Navient remained my lender. I paid my bill, but Navient did not make it clear they had changed the mailing address. It took them at least a month, if not more, to locate where my payment was sent. 
While waiting for this to be reaplved, I was being called multiple times daily for not making my payments despite the fact Navient said they would stop calling. I was charged late fees while Navient " searched '' for my payment. 
Then, when a payment was " late '' because they could not find it, I was continually pushed to go into forebearance. Once, I requested on a XXXX that I make my payment that XXXX which was my payday. The operator continually suggested I go into forebearance instead of saying ok or offering another alternative or even suggesting it would be in my best interest to pay that day.
My Formerly VA backed home loan was apparently sold several times and most recently it is being serviced ( Very Poorly ) by XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX18 I received a demand that XXXX demanded a certain amount of money to be paid directly to them at an address in XXXX? i called over 45 times and was given the run around, after filing a complaint they finally  contacted me giving me so many lying stories I could not keep up with the changing stories. 

As i learned XXXX has massive complaints, suit, and pending litigation for the same reasons i have complained they have changed the loan to ask for more fund and they demanded I use there insurance company, in short they are trying to defraud me and the US Banks and Government. 

I pay all my own homeowners Insurance as well as my property taxes all a year in advance and i have NO escrow account and they are trying to force one I have never agreed nor would i, I have demanded several times a full and complete AUIDT and LPO. I have never ever received my audit requested results, until i got a full audit I can NOT and Will not be threatened or forced to pay something i do not OWE.
I had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked Transunion, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX account proving the dates of payments. I received a letter back from Transunion that they would not change the lates on my report from both XXXX  XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or XXXX XXXX loans since 2012.
Hello Consumer Finance Team! 

Thank you for taking a moment to review my grievance. I wanted to submit a complaint about a Property Management ( PM ) organization in Kentucky called the XXXX owned by XXXX XXXX. They are presently attempting to collect a debt I do not owe through a company called " RentDebt Automated Collections , LLC ''. 

I left my apartment ~5 months ago due to frequent domestic disputes at a neighbor 's residence ( including firearms ). My family left our unit with ~2 months left on our lease because the cops had visited the tenants below us on XXXX occasions. ( I have video footage, but have not yet went after the police report numbers ). At first the PM company tried to relocate us to another unit in the same complex. We did not find that acceptable nor did we feel safe. They were frequently intoxicated with music blaring as well as constant screaming before things escalated to physical fights. 

In any event they are saying we owe them money for moving out of an unsafe living environment. This HAS to be illegal, right? We completed our checkout with an employee named XXXX ( the General Manager ) who said all we owed for was new oven/stovetop drip pans ( which they accepted a check for ). Now, out of nowhere 5 months later we receive a " debt collection '' notice that has no merit. 

Thank you again for your time. Please let me know if you have any questions.
I submitted a dispute in reference to Claim number #  XXXX , which is a tax lien from  XXXX   XXXX   XXXX   XXXX , in  XXXX    XXXX   with TransUnion  credit agency.  In  XXXX  of   XXXX   they completed there investigation and now they are showing that the lien has been paid ; however, they are claiming that the lien is still being reported by  XXXX   XXXX   XXXX   XXXX . I received a letter from the Georgia Departm ent of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency.   I have requested of Transunion to Please validate this information with  XXXX   XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.
On XXXX, 2016 I received notification from XXXX that XXXX accounts were being deleted from my credit report : XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX These XXXX were deleted from XXXX but they have yet to be deleted from my Transunion and XXXX credit reports. They need to be deleted from those XXXX Credit Reporting Agencies. I have contacted both of them and they both, very rudely have told me that they do n't have notification to delete and if/when they do it can take up to 90 days.
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
DENIED CREDIT DUE TO XXXX XXXX, EQUIFAX, AND XXXX CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN
I opened a Wells Fargo consumer checking account inXX/XX/XXXX( my first one ) to receive the bonus offer of " $ XXXX of direct deposits for three consecutive months will qualify for a {$300.00} bonus within 45 days of meeting the qualifications. I met the qualifications in the beginning of XX/XX/XXXX( direct deposits were in XXXX,XX/XX/XXXX and XX/XX/XXXX ) and 45 days later had still not received my bonus. I have tried to resolve this for 3 months since meeting my bonus and there is no resolution. They are not honoring their advertised promotion.