WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE XXXXCHASE CREDIT CARD AND ON XXXX/XXXX/XXXX I NOTICED AN UNAUTHORIZED CHARGE ON MY ACCOUNT FOR XXXX AT THAT TIME I CONTACTED CHASE TO HAVE THE CHARGE REMOVED WHICH THEY DID .THEN I RECEIVE MY STATEMENT FOR XXXX/XXXX/XXXX AND I NOTICE A CREDIT FOR XXXX SO I CONTACT CHASE CUSTOMER SERVICE ON XXXX/XXXX/XXXX AT XXXX AM AND I EXPLAIN THAT I HAVE A CREDIT THAT DOES NOT BELONG TO ME AND I WOULD LIKE IT REMOVED. THE CUSTOMER SERVICE REP TOLD ME THERE WAS NOTHING HE COULD DO AND THAT IT WAS AN ERROR BY XXXX AND THAT I WAS ENTITLED TO KEEP IT SO I SAID TO HIM THAT DOES NOT SOUND RIGHT HE SAID TO ME TO CONSIDER IT AN EARLY XXXX PRESENT FROM XXXX. I SAID TO HIM I AM NOT GOING TO ORDER ANYTHING MORE FROM XXXX SO HE TOLD ME THAT HE WOULD SEND ME A CHECK FOR XXXX ON MY XXXX/XXXX/XXXX STATEMENT I SEE THAT THE CREDIT IS REMOVED. NOW ON MY XXXX/XXXX/XXXX STATEMENT THERE IS A REBILL FOR XXXX SO I CALLED CUSTOMER SERVICE ON XXXX/XXXX/XXXX AND THEY SAID THERE IS NOTHING THEY COULD DO TO HELP ME .I ASKED THEM TO LISTEN TO THE RECORDING OF THE CALL ON XXXX/XXXX/XXXX THEY SAID THEY WOULD GET BACK TO ME AT A LATER DATE THE CHECK HAS ALREADY BEEN SPENT I DO NOT THINK IT IS RIGHT FOR CHASE TO TRY TO COLLECT ON THIS PAYMENT BECAUSE XXXX OF ITS EMPLOYEES TOLD ME I COULD KEEP IT.
I need to know that what I am being shown by my paid account with Equifax is what my score is becuase under CFPB Case # XXXX XXXX states that Equifax has different scores they present to lenders? 
To quote XXXX in CFPB Case XXXX the following : " XXXX said : Explanation of closure Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. 
Each credit score model has a slightly different formula that takes into account over XXXX different factors of your credit report ; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. 
On your XXXX account, you will see the XXXX XXXX scoring model, provided individually by XXXX and Equifax. 
XXXX XXXX incorporates a broader set of credit-related data and can score up to XXXX XXXX more people than other models. With so many different scoring models out there, you never know which score a bank will use, but XXXX XXXX is a strong predictor for what the banks may see. 
Hope this helps! If you have more questions, please feel free to let me know. 
XXXX, XXXX XXXX. 
XXXX Is Equifax committing fraud by using different scores and telling me my score XXXX as shown by attached or is XXXX disclosing false information and Equifax disclosing different score? 

Someone in this matter is CLEARLY being dishonest and corruption should be illegal. When does federal government uphold justice and stop the twisting of information as shown here.
Today, XX/XX/2018 I was sent an email from the " director '' of Ross Financial Recovery Group. His email stated that I owe XXXX XXXX XXXXXXXX {$590.00}. I actually owe XXXX XXXX XXXX {$560.00}. The reason I know this is fake is because my address is wrong and so is my employer.
My son attended XXXX XXXX 10 years ago, my parent student loan was for approximately {$18000.00}. At that time, ( obtaining the loan ) I just filed bankruptcy and was skeptical about proceeding but was assured there would always be additional options in the future to assist me with if I was to struggle with the payment. I was struggling and I phoned XXXX XXXX and Navient to see if about the additional assistance to help me with repayment of this loan was, they said my only option was forbearance or interest only, each time I called. needless to say 10 years later my loan principle is now {$23.00}, XXXX. I used forbearance a couple of times but when the forbearance was over the payment was too much and I was only able to do interest payments. I feel as though I was taken advantage of and was misinformed of my options. When I first obtained this loan I just filed bankruptcy and was unsure if I would be able to handle the additional burden but I was assured XXXX XXXX would always have my best interest in mind and will work with me if needed.
I obtained a cash to pay day loan and fell on financial hardship. Recently, I 've been receiving what I would consider harassment from their debt collector, PRG. According to the CFPB law, the debt collector can not contact my personal references more than once. They called two of my family members and I with the message This is a final legal notification for a XXXX XXXX. My name is XXXX XXXX contacting you regarding your case. The case number is XXXX cases pending to be filed against you with the XXXX XXXX County court. If you want to take care of it outside of court you need to contact me immediately at XXXX. She also left a messages with them stating that I'vd written bad checks that bounced. Although it is not true ... this is extremely embarrassing. It has caused conflict with my family and my character is being smeared. I contacted the CFPB and they stated they should only use the references to find my location, not to threaten. I also contacted the company to get their business information. When I asked for the address, she placed me on hold for a few minutes and provided XXXX XXXX XXXX. XXXX, NY XXXX and then when I asked for their professional business license ... she transferred me to XXXX XXXX who did n't want to provide any information and stated I would have to contact the state in order to obtain the number. 
In addition, she said she has surveillance of me walking into the loan place, using my XXXX XXXX  card the funds bounced and they will be filing with the city tomorrow if I do not satisfy my debt.
Credit Bureau reporting incorrect information on my credit bureau. I requested the information to be removed. The XXXX collection accounts are XXXX and XXXX.
I have contacted Equifax numerous times to dispute an account that is not mine and may be a possible case of identity theft. I have no memory of this account.I have asked that this account be removed after exercising my right under Section 609 ( a ) ( 1 ) ( A ), the requirement of creditors and credit reporting agencies to verify accounts through physical documentation, verification of the original signed consumer contract. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I have requested such documentation from the original creditor and have not been provided anything. I also requested physical verification from XXXX XXXX, who in turn, removed this account from my XXXX XXXX  Credit file. Somehow, Equifax is verifying data without furnishing any proof of a proper investigation or obtaining the physical proof required by section ( a ) ( 1 ) ( A ) of the FCRA.

When asked about this, Equifax personnel replied that they use the XXXX XXXX  system to verify debts. This is not acceptable. Equifax keeps verifying information that is incorrect by basically matching numbers already in their data base, thus making it next to impossible to remove an account that isn't mine to begin with. This is not a reasonable investigation and their willful noncompliance is a violation of my rights as a consumer.

This is my last step in trying to resolve this issue before seeking relief and monetary damages for violations under FCRA sections 616 & 617
Recently I was notified that Barclays Bank DE had placed an inquiry on my credit report with XXXX. I want this inquiry removed because I have never applied for a Barclays credit card and it was not authorized by me.
Green Tree Servicing , LLC. XX/XX/XXXX-Present Green Tree Servicing deceptive business practices against us in connection with our loan related to but not limited to deceptive servicing practices, deceptive and harassing collecting practices, deceptive and unfair credit reporting. deceptive acts and practices regarding and related to our short sale including an XXXX hour demand upon us and forcing us to pay an additional large sum of money in the approx. amount of ( {$9700.00} ) before Green Tree would release their lien, jeopardizing one short sale and in violation of negations with us and our lawyer for the short sale of our home ; delay of the short sale ; Green Tree referral of our account to loss mitigation in direct violation of our agreement and false and misleading negotiations with consumer ; failure to report our payments since XX/XX/XXXX to any credit agency ; intentional and malicious interference with our correcting inaccurate credit reporting with XXXX, failure and refusal to provide any us with any statements, payment history after numerous requests ; failure to abide by written short sale agreement and reported as loss mitigation ; false and misleading debt collection practices at our employment and home ; refusal and failure to recognize our joint written agreement related to short sale ; early morning and late evening harassing phone calls. The following documents are key documents regarding the actions described above but are not limited to the following and incorporated herein by reference. Affected consumers attempted to upload such documents and did experience problems with same:1. XX/XX/XXXX Payoff Agreement between Green Tree and affected consumers. 
2. XX/XX/XXXX letter from XXXX XXXX, XXXX. to XXXX XXXX, Green Tree. 
3. XX/XX/XXXX HUD-1 Settlement Statement - {$9700.00}. 
4. XX/XX/XXXX letter from Green Tree to affected consumers - affected consumers account turned over to Recovery Department - Loss Mitigation. 
5. XX/XX/XXXX recorded Partial Satisfaction of Deed of Trust. 
6. XX/XX/XXXX letter from XXXX XXXX, XXXX. to Green Tree. 
7. XX/XX/XXXX letter from XXXX XXXX, XXXX. for Credit Reporting agency dispute of reporting by Green Tree. 
8. XX/XX/XXXX letter from XXXX XXXX XXXX to XXXX dispute of reporting by Green Tree. 
9. XX/XX/XXXX letter from XXXX to XXXX XXXX deleting Green Tree reporting to agency. 
10. XX/XX/XXXX letter from Green Tree regarding affected consumers attempts to resolve inaccurate reporting.
I can not afford to make payments due to a series of health issues, they posttponed payments however the interest charged is beyond belief. I have been paying off A {$6000.00} loan since 2009 my school really rooked me into signing.
Bonneville collections is reporting that I owe money for a debt that has been eliminated by their client. I am in receipt of a XXXX Balance invoice from their client, showing I owe nothing as of XX/XX/2016.
As of this date XXXX/XXXX/XXXX, Sears credit card has not sent me a bill in the mail and I am concerned that they are with holding so they can charge a late fee. This is a reoccurring issues with this company. They processed and cashed my check last month on XXXX/XXXX/XXXX but sent that bill out in a timely fashion only because of my filing with your organization. Again, they have yet to send out a XXXX XXXX bill. In my observation over the years, this company is quite deceptive seeks to collect late fees when in fact the consumer is not mailed a monthly bill in a timely fashion.
I sent Experian a request to investigate errors on my report back in late XXXX. Nearly three months have gone by, and they have not responded yet. I have even sent follow-up letter, to no avail.
LoanCare sends me letters stating that my insurance has expired, and that I am not covered for windstorm damage. I live in a condominium apartment, and the insurance policy of the condominium association has never lapsed. I have mailed LoanCare and faxed LoanCare copies of the insurance policy. They continue to threaten me that they will bill me for coverage. 
They also tell me that my escrow account is depleted because of increased taxes. XXXX apartments are taxed at a lower rate than free-standing homes.
I was shocked when I reviewed my credit report and found late payments on the dates below : NAVY FEDERAL CR UNION XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX and alsoXX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Hello, My Bankruptcy included my home in XXXX WI that is now serviced by Ditech. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on Ditech 's part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with Ditech over two hours and they did not take my call.
So I make additional payments to my student loan, to additional my automatic payments. I called customer service to have them reapply the my extra payments to principal only. I was informed there is not much a thing. I spoke to a manager, and inquired in why I ca n't apply my extra payments to principal only. He started you ca n't do that for any loans. I asked him if this in my contract ( which it 's not ), and his response was your monthly payment will be applied interest then principal. I informed him this is not my monthly payment, and asked him to provide me with a copy of my contract. 2 months later still no contract, and I called and was informed it was sent out.
I have spoken to this company several times and in XXXX 2009 XXXX I also find this odd that a complaint of 2009 which was 7 years ago would just now hit my credit. I explained to them that I could not have been in to places at the same time.
Before, I got my car loan with XXXX XXXX XXXX XXXX, I went to XXXX Dealership, XXXX check to see if they could give me a loan and all these other companies was on my credit report, I want them off!!! Thank you
When I signed up for the Capital One secured card 2 years ago, I was promised a returned deposit as well as being upgraded to an unsecured card after the first year. After the first year I contacted the company to ask about both and was told that I could not be upgraded and was given no reason why only that they do monthly reviews. I was also declined my deposit, now that this is my second year with the company and my credit score is very good, I am being told now that the no loner offer the promotion and that they are trying to fix some issue with it and I have still not received my deposit back.
My family members keep getting harassing phone calls from a XXXX XXXX, stating he has filled a lawsuit against me and I need to contact him, before he submits my court order and all this is stated on a third party voice mail .. I call XXXX a get nothing but voice mails
In XXXX, there were instances where XXXX 's erroneously charged me $ XXXX {$2.00} as an interest charge when my account was paid in full and had a {$0.00} balance. This has resulted in a negative result in XX/XX/XXXX of a 30-day late payment remark on my credit report. 

- XX/XX/XXXX Statement ( Account flagged 1 month late ) New Balance = {$210.00} due XX/XX/XXXX [ No New Purchases ] XXXX Statement ( Account in good standing ) New Balance = {$2.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$110.00} ( before XX/XX/XXXX due date ) Payment # 2 on XX/XX/XXXX = {$100.00} ( before XX/XX/XXXX due date ) {$210.00} [ New Balance ] - {$110.00} [ Payment # 1 ] - {$100.00} [ Payment # 2 ] = {$0.00} Balance as of XX/XX/XXXX Interest Charge on Purchases on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 1 month late ) New Balance = {$47.00} due XX/XX/XXXX Purchase # 1 =  {$39.00} Late Fee on XX/XX/XXXX = {$2.00} Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 2 months late ) New Balance = {$79.00} due XX/XX/XXXX [ No New Purchases ] Late Fee on XX/XX/XXXX = {$29.00} Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account in good standing ) New Balance = {$2.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$79.00} ( on XX/XX/XXXX due date ) Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 1 month late ) New Balance = {$2.00} due XX/XX/XXXX [ No New Purchases ] XXXX Statement ( Account in good standing ) New Balance = {$0.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$2.00} ( before XX/XX/XXXX due date ) In accordance with XXXX 's " How to Avoid Paying Interest on Purchases '' clause available in every statement, it states " We will not charge you ANY interest on purchases if you pay your new Balance by the payment due date each month. '' I don't understand why this keeps happening and from my research, it is not an isolated issue with myself. This is a map of my XXXX data. I will be placing a similar complaint for my XXXX data which I had to request from XXXX 's because it was no longer available via their online platform. 

I previously called in to XXXX 's in XXXX to try to resolve this credit issue to no avail as they elevated my situation and somebody will be in contact with me in a few days. After a few days, I was contacted with information that did not make sense and clearly contrary to their disclosure clauses in their billing statements.
XXXX I ordered a credit report from XXXX XXXX for my review and to improve my score. 

XXXX Customer service representative from XXXX stated I need to call XXXX ( Experian ). They could not process my order because of a discrepancy only Experian could tell me. Basically I could not retrieve my credit report, and the pending fund withdrawal would not be token from my account. 

After calling Experian several times trying to resolve this issue I was only prompted to either purchase a report by credit card or check. They did not give me an option by phone or web to talk or chat with any regarding the retrieval of my credit report. 

I would like to resolve this issue, it is very important to me and anyone else who is going through this. 

XXXX XXXX XXXX XXXX # XXXX, XXXX : XXXX : XXXX
I have contacted Transunion on several different dates to have fraudulent inquires removed. I have mailed in all the required documents on two separate occasions, by certified mail. On two of the phone calls I spoke with someone who said they received the documentation and would remove them, but before I received the conformation number the phone was disconnected. I called back twice after that and they are now saying they do not have the documentation and they can not remove the inquiries. The last phone call I made was on XXXX XXXX, XXXX at XXXX am and I spoke with a supervisor name XXXX XXXX and he stated that they do have any documentation from me stating that these inquiries are fraudulent. He informed that they could not remove them.
I currently lease a XXXX XXXX XXXX XXXX through Ally. I am within 90 days of the end of this lease and as I have done many times before with leased vehicles, I considered trading in the vehicle early. I contacted Ally on XXXX/XXXX/XXXX to request a payoff amount and was given a figure of {$23000.00} good through XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I decided on a new car to purchase and arranged a trade-in deal with the dealer based on them taking my XXXX XXXX XXXX and paying off the lease through Ally. 

When the new car dealer went to verify payoff information through Ally, they were told that the payoff amount of {$23000.00} that I was quoted was only good if I purchased the car for myself. In order to take the Jeep on trade, the dealer would have to pay Ally over {$27000.00} in order to payoff the lease. I feel that having different payoff amounts is a deceptive practice by Ally. I understand that early payoff of the lease is a calculation based on the original lease contract terms including the vehicle 's agreed-upon residual value. That amount should not change whether I am buying the car for myself or trading it in to a dealer. There is no mention in the lease contract of the difference in payoff of the lease for me buying the car vs. trading it in.
I submitted a complaint on   XXXX   XXXX  , 2017 in regards to Leading Edge Solutions submitting inaccurate information on my credit report. CFPB received a response from the company advising them that the complaint does not belong to them. As you see, I 've attached a copy of my credit report which you can clearly shows Leading Edge Solutions is reporting on all  XXXX  credit reporting agencies. Being that Leading Edge Solutions has stated complaint does not belong to them, the company should comply with my request to delete the information from my credit files. I appreciate your prompt attention to this matter.
I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.   XXXX   XXXX   XXXX   and  XXXX  is listed  XXXX  separate times and none of the accounts are mine.   XXXX   XXXX   XXXX   is also listed. This is not my debt and I have no knowledge of it.   XXXX   XXXX   is listed, this is not my debt and I have no knowledge of it.   XXXX   XXXX   XXXX   is listed. I have no debt with this company and have no knowledge of it.   XXXX   XXXX   is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. Thank you.
I opened a XXXX America Express card on XX/XX/XXXXwith a bonus offer to receive XXXX  XXXX points after spending {$3000.00} in the first three months. I reached my required spend on XX/XX/XXXX.

As of XX/XX/XXXX I have not received my bonus points. I have called American Express 5 times, on XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ). Each person verified that I had met the required spend to earn the bonus and that it was being looked into, forwarded to marketing, escalated as a high priority ticket but have not been credited my points.

Complaint number : XXXX  Member # XXXX
I filed several times before complaints against " XXXX '', " XXXX '', " XXXX '', " ChexSystems '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " ChexSystems '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???