WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I disputed a account with all three credit bureau, XXXX, XXXX and Transunion. All three credit bureau responded back saying the account was verified and accurate. The alleged account is XXXX # XXXX. Well I come to find out that the account was sold to a outside agency. well in XXXX I sent a certified letter to the new owner of the account which is XXXX XXXX. I have attached the copy of the letter that was sent to XXXX XXXX. they refused to respond to my letter dated XX/XX/2018, I also attached the certified mail receipt to show they received the letter on XX/XX/2018. But they failed to respond to me. I am a consumer and I have rights under the FCRA. and they have been violated, due to XXXX XXXX not responding to me in 30 days. I have all rights to see information and original signed contract from the original creditor. they have failed and refused to send me any documentation. This item needs to be removed asap,,,, or I will file suit,,, I also contacted the original creditor XXXX XXXX by certified mail and they failed to respond to me also,, I have attached a copy of the letter I wrote to XXXX XXXX and certified mail receipt showing I sent XXXX XXXX and they received the letter on XX/XX/2018.both the original creditor and the new owner of the account both failed and refused to respond to me the consumer within 30 days and all three Credit Reporting Agency are reporting unverifiable information this is against the law and the FCRA. This account need to be removed asap or I will file a suit with the federal court,, I did my part as a consumer by writing both the Original creditor and the new owner of the account and both partied failed and refused to respond to me within 30 days and I have the letters that was written to both of them and the proof they received the letter ... this is not a dispute of information on my report, THIS IS A DEMAND THAT THIS ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT BE REMOVED ASAP, ,AS FOR MY RIGHTS UNDER THE FCRA HAVE BEEN VIOLATED,, BOTH PARTIES FAILED AND REFUSED TO RESPOND TO ME WITHIN 30 DAYS I AM ENTITLED TO XXXX FOR VIOLATIONS. I HAVE ATTACHED COPIES OF THE LETTER THAT WAS SENT TO BOTH PARTIES THE ORIGINAL CREDITOR XXXX XXXX AND THE NEW OWNER WHICH IS XXXX XXXX
hello I had an account with paypal last year and purchased certain items from XXXX and never gotten my item so I filed a complaint and paypal shut down my account and refused to close it or let me close it but said go ahead and reopen a new account so I did with my same personal information. 
now with the new account I filed an item complaint in which I received my refund from the seller but paypal shutdown my account again and claim that I have too many complaints and I can no longer have a paypal account and refused to close my old account or new one what can the CFPB do for me. 
I want paypal to close both my accounts to be satisfied.
I brought a car from XXXX XXXX in XXXX, Texas in XXXX, 2011 I found out my company had lost the contract at XXXX and I was GOING TO OUT OF WORK. I contacted the dealership and told them that I could not afford to pay for the car, they told me to contact the dealership. call Regional Acceptance CO a week after I brought the car and tried to explain to them my dilemma. They tried to talk me into keeping the car, and finally decided to come to my home and pick it up. I will be a first time home buyer and thgis is stopping me from purchasing a home. CAN YOU PLEASE HELP ME?
I have a loan that held a title as collateral. The car stopped running shortly after and the loan company allowed me to drop insurance on the vehicle. The loan went into default and they refuse to repossess the   XXXX   off my ex husbands land or give me the title so I can dispose of the car. I have called them and left messages but no one will call me back. It 's  XXXX  in  XXXX  sc
Please note that all Assignments that were recorded for Property located at XXXX XXXX XXXX XXXX, XXXX XXXX notarized by XXXX XXXX need to be investigated for fraud and misuse of the Notary Certification for the Nationstar Mortgage LLC. personal gain. 

All persons who notarized the assignment has lack of capacity, authority and personal knowledge of the facts regarding the transferring of the note to the current Servicer, Nationstar Mortgage LLC/ The Assignments recorded also shows lack authenticity. Under the Consent Order with the CFPB, Nationstar Mortgage has the due diligence to make sure the consumer protection laws were adhered to. 

We requested a principal modification, principal reduction based on the assignments and Nationstar LLC has failed to honor such request and did not give us an explanation why we were denied A complaint will be filed against the Notary in the Executive Governors Office in XXXX for their errors and omission by not validating the reference document.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, which has reported negative information on my credit report regarding a Perkins Loan from XXXX college which was paid by the US Dept. of Education on XXXX of 2015. 

Heartland misrepresented themselves as being the Dept. of Education on the credit report, which is fraud. 

I informed XXXX XXXX that this was a fraudulent debt, however, the agency still continues to collection activity.
My identity was stolen and is been really hard for me to correct all the errors in my credit report I have been writing letters and filling out complaints about this problem and I 'm still having problems due to inaccurate information on my report on XXXX of the credit bureaus Equifax and experian I also have a big issue with XXXX. because they check my credit very often for no reason and this affect my credit greatly. I 'm retiree receiving ssi and all my bills are pay by XXXX XXXX and the federal government, and I need all this information corrected and fixed so I can have some tipe of credit again, please I 'm asking for a full investigation on my on my credit file so all the issues can be solve appropriatly. Thanks for your time and have a great day.
on XX/XX/2018 i purchased one XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. complete run and broken in delivered plus shipping cost for {$3300.00}. Part of the payment was a check for {$1600.00} charger to my credit card from Chase made to XXXX XXXX XXXX. The merchant failed to delivere my product that i paid for. on XX/XX/XXXXi called my credit card company and asked for a dispute form so that Chase could dispute my claim with XXXX XXXX XXXX for the purchase i had made with them on XX/XX/2018. i got a dispute form and send send the form i got a response from chase saying that the sale was legal. after writing to the corperate chase excevites told me that they could not dispute my claim on my chase credit card purchased.
XXXX XXXX, I sold my home and paid Astoria Bank ( see attached documents ) 100 % of the amount requested to be " Pay Loan in Full. '' To this date, I am still asking that Astoria Bank properly report that the credit report to reflect " Pain in Full. '' With the help of CFPB I 've made progress by correcting the late payment errors and asking Astoria to update they wording, however now they have chosen to state a reporting of " Pain in Settlement '' which is still false. They recently changed the wording from " Paid for Less than Full Balance '' which proves that they have ability and control over the wording ... I ask that they please just change the wording to " PAID IN FULL. '' I 'm not sure why they are playing these games and being so aggressive to me personally, but I ask the CFPB request that they once and for all end this game playing. It 's two years already, the account has been closed and paid in full ... please stop wasting everyone 's time and valuable energy already. The documents I have attached show the closing documents from my attorney XXXX XXXX and Astoria with the amounts requested along with the corresponding IRS Tax form that was provided my Astoria. In addition, I have attached the XXXX Credit Report from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX showing the two different statements. Please note that they have properly reported no late payments, which was corrected with the help of CFPB, now I request that the " Paid in Full '' Status be updated as well. Please feel free to reach out to me or my attorney directly for any additional questions. Thank you!
I went online to check my credit with XXXX XXXX, and i found out my number. and for the last 10 years someone has had my social security mumber and it caused my credit to go down the drain. then after i was done with the site for XXXX XXXX, there was this application for a credit card, so i automatically figured it was associated with XXXX XXXX, and just for the XXXX  of it filled it out and just see if i would be accepted. this took place first thing yesterday in the morning on XX/XX/XXXX, later the very next day, not even 24 hrs later, there was {$10000.00} dollars into my checking account!! i phoned this company and told them i did not agree to this loan, and they told me yes i did and i told them again, no i did not and i do not want this money how do i send it back, also, it was still in the pending process.which meant it didnt go through yet and my bank couldnt get involved because it, s a civil maters, then once again " AVENT Credit : '' told me, '' yes you did sign this agreement, and i explained to them, i do not want this money dont let it go thru, all i wanted was to just see out of curiosity if i applied if i was now eligible!! because after struggling to repair my credit the last 10 years!! they told me no i can not, i could but it would cost me {$480.00} something dollars for having to reprocesses the transaction. i told them i was calling the federal trade commission on them cause their a scam company, they put money into people 's accounts and then charge {$480.00} to each person when they dont want it and report me to a debt collection company, iam XXXX years old and do not have any extra money or even close to that amount and it will make my credit so bad again and i do not want their money!! i just want to give it back and because it was still in the process department what was the big problem! the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they seem to be sonmehow connected to XXXX XXXX!
Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/2018 accountnumber : XXXX Creditor 's Name : XXXX XXXX/XXXX  XXXX XXXX Type of Industry : Women 's Apparel Address : XXXX XXXX XXXX, XXXX , OH XXXX Amount Delinquent : XXXX Payment Status : Late 30 Days Creditor 's Preferred Contact Method : Other I was affected by Hurricane Florence and out of work from XX/XX/2018-XX/XX/2018.  I contacted XXXX  XXXX XXXX  and notified them and was told that I would be placed on the financial hardship program and that my account would not be reported as delinquent. This company has threatened me and advised that there wasn't anything that they could do to resolve this matter and this is not something I am happy with seeing that I have been a customer who always paid the account off.
I received a letter from Central Financial Control stating that I owed {$99.00} to XXXX XXXX XXXX from XXXX/XXXX/XXXX. I have already once disputed debt with Central Financial Control which was removed now 3 years later I am receiving correspondence for the first time about another debt owed. This debt is not owed.
Navient/XXXX missallocated my payments in a way that I would have to pay them more, they refused to move the money around and told me they could essentially put my money where ever they wanted. I then protested paying them building up interest over time. Also, every time I tried doing income based payments they said they only offered forbearances.
I have a checking account at USAA. They have returned payments when my statement balance has been over the amount requested. They keep two ledgers, one with an " available balance '' and one with a " statement balance '' and play games with the timing of the deposits and payments each day in order to hold funds XXXX deposits XXXX and maximize fees ( take payments out at the end of the day, not when presented but after all other debit card transactions have gone through ). 

For instance, on XXXX/XXXX/XXXX I transferred {$1600.00} from an account at XXXX to my USAA checking account. The bank increased my statement balance by the full {$1600.00} on XXXX/XXXX/XXXX but increased my " available balance '' by only {$500.00} and " held '' {$1100.00}. This technique caused me to have multiple payments returned and fees charged. I checked my XXXX account and XXXX released the funds from my account and withdrew them on XXXX/XXXX/XXXX. As of today my money has still not cleared as of this day. i was told the {$1100.00} would be released on the XXXX ( 8 days later! ) and when I saw a notification of such I assumed that was the last day ... not the actual day as other banks usually give a timeframe. 

When I called the bank, they told me that the " account history '' determines whose funds get held and whose do not and they are released in " waves. '' I believe that USAA is discriminating between account members on the amount of time it takes to receive their money. I also believe this discrimination is directed at lower socioeconomic individuals who will have a harder time making payments with longer " hold times '' and lower balances. I believe this is an unscrupulous banking practice affecting our nations hero 's and targeting veterans and service members who may not have financial acumen as USAA is branded as a " military '' bank. 

I further suspect these " held '' funds are most likely held in an interest bearing account, where USAA makes a profit on the additional days ( short term and overnight interest ) it holds the funds and also gets to charge more overdraft and NSF fees because the account holder 's " available '' balance is now lowered for a longer period of time. The fact that I was told that the hold times are longer for " certain account holders '' shows that this is a discriminatory practice and targets those with lower balances and who have harder times making payments. By doing this, USAA is discriminating against some of its customers and also making money off of veterans and service members in an unscrupulous and predatory manner.
I have tried for at least 6 months to get items that are incorrect and or not mine removed and XXXXEquifax seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.
Around XXXX of 2015, Citi Bank advertised a signing bonus of XXXX Thank You points. To receive such signing bonus, according to the linking page which I took a photo, no spending is required. I applied during the promotional period using the application link provided by Citi website and was approved. However, despite repeated inquiries, Citi has yet to post the signing bonus to my account.
I have mostly federal loans but I have a private loan as well. After graduation, my loan was assigned to XXXX XXXX. That was a great agency. The representatives were always helpful and explained things in detail. My account was then switched to ACS Education Services. I have experienced numerous communication issues with ACS. There is always a lag time between when I submit documents, the acknowledgment of receipt, and processing those documents. On XXXX XXXX, 2015, I resubmitted my Income Based Repayment application because of an error that I made. My payment date XXXX XXXX XXXX ) was approaching and I called on XXXX XXXX for the status of my application after checking the website. I was told the application had not been processed and was offered a temporary forbearance for my XXXX payment. I accepted that. I waited a couple of weeks and called XXXX. I was told my application was processed and approved XXXX XXXX. I did not receive notice of the application approval and was told the application was no longer useful because of the forbearance. I asked the agent, XXXX, if I needed to resubmit the application. She told me no and that she would resubmit it on my behalf. I waited and did not receive any correspondence from XXXX nor was anything updated on the website. On XXXX XXXX around XXXX p.m., XXXX called me ( I found this unusual ) to tell me that I needed to resubmit the IBR application that she originally told me I did not have to submit. I asked her why there was not clear instruction when I specifically asked and what I should do about my XXXX payment. My account was placed in forbearance again " as a courtesy ''. I resubmitted the XXXX application again on XXXX XXXX via fax. I have a fax confirmation. I checked the website XXXX XXXX and received a message that I should check XXXX XXXX. I checked the website on XXXX XXXX and called. I was informed by the representative that my paperwork was received but that it was still pending. I have not received any correspondence or communication from XXXX. I am beyond frustrated because I have had to spend a great deal of time trying to pay the money I owe at a rate that I can afford. ACS is difficult to deal with, has a poor website, and communication is lacking.
Equifax were negligent in their data security protocols and have subsequently opened myself and 143 million others up to identity fraud and theft, costing those affected as well as the American government untold millions possibly billions.
I have a several months problem with payments for XXXX credit card in view I have made payments on time or before but Regions reject payments for regions technical problems, the situation is that I have just XXXX checking XXXX Bank account and just to pay on line monthly pressing checking account bottom but regions bank set up this account as a savings and change automatically the payments issue collecting from a savings account instead checking account. I have visited 4 times Regions bank branches but they refuse to fix this problem and I dont have another checking account. Now This negligence affect to my credit report for late payments and Regions'customer service don want to fix the problem.
I have disputed this with XXXX, Equifax and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that one is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.
Chase seems to be systematically trying to save money at the expense of their cardholders ' credit scores. I  have a  ( 1 ) Chase Freedom card and an ( 2 ) Amazon Prime [ Chase ] card and my wife has a different ( 3 ) Chase Freedom card that I am an authorized user on. Three times in the last 6 months my wife and I have been  notified that we were delinquent on our credit card payments and the reason is that we never received statements. Why did we not receive statements? Because, as Chase said to me over the phone in  XXXX   2017   ( I think ), I must have signed up for Paperless Statements on my Amazon Prime [   Chase ] card. I explained to them that the way I do my monthly bill payments, I MUST have a paper statement sent to me and that I would have NEVER EVER agreed to or signed up for paperless statements. Next came my wife 's Chase Freedom card  which we were informed had a delinquent balance in  XXXX  or  XXXX  of  2017 . Same ca ll to Chase, same response from Chase. No w today,  XXXX   XXXX ,  2017 , I received a text from  Chase about MY Chase Freedom card being delinquent. Same call to Chase, response from Chase rep was that he did not understand how it could be possible that I was switched to paperless statements without my approval because that was the only way ( to his knowledge ) that one 's account could be switched from paper statements to paperless. Coincidence? ... ..three times? I do n't think so. Th is is fraudulent and I hope that CFPB can do something about this. CONSUMERS BEW ARE OF CHASE 'S FRAUDULENT BUSINESS PRACTICES. I 'M SURE THAT I AM NOT THE ONLY ONE THIS HAS HAPPENED TO AND THAT I AM NOT THE ONLY ONE WHO HAS MADE A COMPLAINT ABOUT THIS. CHASE DESERVES TO HAVE A CLASS ACTION SUIT FILED AGAINST IT ON BEHALF OF THE CONSUMERS WHO 'S CREDIT SCORES THEY ( CHASE ) HAVE ADVE RSELY AFFECTED.
Ive reached out to Experian several times to report inaccurate information on my report due to being and ID Theft victim. Not only have I reached out via phone I reached out via mail and got no response from them or any correction to my report. I have several accounts reporting on my report as a result of fraud. Ive also submitted police report to Experian. 1. XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX
Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX BANK. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX BANK and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )