WillisBack/dataset-financial-user-claim huggingface dataset:
I tried pulling my credit report to refinance the balance of my vehicle loan with XXXX XXXX XXXX. I come to find out that XXXX reported me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.
On XXXX XXXX, 2017 I provided check # XXXX for {$850.00} To Wells Fargo Home Mortgage at their XXXX XXXX Location in XXXX Oregon to pay down account XXXX for my home at XXXX XXXX XXXX XXXX, XXXX Or XXXX. I received a statement dated XXXX/XXXX/17 from WFHM acknowledging receipt of my payment and showing my balance go from {$98000.00} down to {$98000.00}. I later received a letter from WFHM dated XXXX/XXXX/17 stating that : " This statement contains a transaction which is the result of a payment that was not honored by your financial institution, '' and stating that my mortgage balance has gone back up {$98000.00}. In fact my XXXX XXXX XXXX check # XXXX most certainly was cashed by XXXX and I supplied XXXX XXXX WF manager with a XXXX XXXX XXXX statement showing my checking balance lower from {$1000.00} to {$210.00} as XXXX cashed my check and Wells Fargo received my payment. WFHM has steadfastly refused to provide me credit for my payment. My mother XXXX XXXX provided an {$840.00} XXXX XXXX payment to the account which WFHM has applied to the account. I will fax and or mail copies of the check I wrote, my bank statement proving the check was cashed and WFHM 's statement showing they deposited my payment and then lied about not being able to cash the payment. WFHM has stolen my May mortgage payment in the amount of {$850.00}. WFHM has inappropriately applied late fees for my ontime payment. WFHM staff have refused to correct their theft despite my providing thorough financial statements proving that WFHM has cashed my check # XXXX. Collectively, the actions of WFHM employees amounts to collusion in order to hide a financial crime.
I kept getting call from XXXX XXXX. I have NO debt of any kind whatsoever and a credit rating of XXXX. I have blocked their number but they continue to call and leave the same canned voicemail message. This is harassment and must stop. I received the latest call at XXXX today, X/XX/2018 from XXXX.
This is my second complaint and I 'm looking for monetary relief. This has caused me to be denied for credit, employment, and damage to my character. For the past 2 years, I have been disputing account # XXXX, XXXX, XXXX as an authorized user with creditor XXXX XXXX XXXX XXXX, account # XXXX with creditor XXXX XXXX XXXX, and account # XXXX with XXXX and the credit reporting agency Equifax Information Services , LLC, and Equifax has refused to delete these accounts. I 've submitted adequate documentations and still no resolution. I am not liable nor responsible for someone else 's debt per FCRA. Also, I 've been a victim of Identity Theft and have also provided police report to ALL CRAs including Equifax who have confirmed that they have received such document. But again, Equifax has continuously violated my rights and the law. I 'm attaching all documents including letters from XXXX who has stated that Equifax and all other credit reporting agencies has been notified to delete accounts but it still remains in my Equifax credit profile which they maintain under my social security number.
TransUnion : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX It has been an on going issue this year alone with TransUnion & XXXX. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.
Haveing serval inquiries that are not mine .possible due to data breach Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Short and simple. My sister used my social security number to pay for her first month 's rent with out my knowledge.
This is the XXXX time I am filing a complaint against Wells Fargo Home Mortgage in regards of the XXXX late status on my credit report from XXXX/XXXX 2012. I have submitted countless documentation verifying the payment was made on time and they refuse to acknowledge it and continue to report that the payments was late.
In early XX/XX/XXXX, I mailed investigation requests to the credit bureaus, asking them to look into three accounts reporting incorrect information on my credit report. XXXX  responded two weeks ago, but I have yet to hear back from XXXX  or Trans Union.
I HAVE A XXXX XXXX CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE.

XXXX XXXX REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
On XX/XX/XXXX, Simple closed my account with them without giving a reason. Since then I have had many many contacts with them in an attempt to get them to refund the almost {$300.00} remaining. They first stonewalled, then " sent a check '', which was undelivered ( and refuse to tell me the address they sent it to ) and returned to them, then they again went silent for 12 days before telling me that they are stopping payment on the check ( which THEY HAVE ) and reissuing a new one. Again, this has been ongoing for 90 days now. I previously filed a complaint, and they responded that I may have been the victim of fraud. When I contacted them about this, they did n't know anything, and again refused to talk to me.
Freedom Mortgage is reporting me late XX/XX/2018 and they are in violation. They recently took over servicing of my loan from XXXX XXXX XXXX in XX/XX/2018. 
For one- there is a protection period once a loan is transferred for servicing : ( 1 ) Payments not considered late. During the 60-day period of the servicing of any mortgage loan,. a payment may not be treated as late for any purpose. 

For 2 : I had set up auto draft with Freedom already in XX/XX/XXXX and the XX/XX/XXXX payment was to be drafted. This was their error not mine. I am NEVER late on anything and have always had auto draft for my mortgage payments with XXXX XXXX and when you guys took it over it was a big mess.
I opened an TCF fee free checking account over the phone on XX/XX/XXXX. I gave the representative the promo code XXXX and was told it would be deposited to my account after I met the necessary requirements. According to the terms and conditions it stated we will deposit {$250.00} into your account next business day following criteria verification. I still have not received the bonus after meeting the criteria of using my debit card for a {$250.00} purchase.
We ordered an edger for my birthday ( XXXX XXXX, 2015. That day we called them and their person in that area said it 's XXXX junk and that the carborator was bad. So, we called to return it. They told us that their home delivery would come and pick it up. Then no one showed. We kept calling and kept getting different answers. Then we were told XXXX had a call tag. This was charged to my charge ( its the only thing on there ). Mind you it never worked from day one. I still do not have it picked up after buying a box for it because XXXX first said empty gas and oil. We did that, then they said the box was not firm enough. We bought a box, then he said not good enough because the box we purchased only one in our area had to be cut down and taped to fit the thing. Then, we had it sitting on our porch for almost two months. l then called and they told me its off your charge throw it away ( dispose of it ) you can listen to their recordings it 's there and i can give the guys name. I repeated him twice. Then he did remove it from my charge. I called to check on it and told the girl I was leary of throwing it out until I was sure it was off. Then she put it back on my charge. Now they are sending me another XXXX tag for the edger and want to get it back. They put it BACK ON MY CHARGE and are ruining my credit. They are now sending me another call tag U
I monitor my credit regularly and this time I pulled my credit report and saw that First credit Services reporting that I owe a debt in the amount of $ XXXX.I disputed this with the credit bureau and it came back as 'Account Information disputed by consumer ; meets FCRA'.This is not my debt and I want it removed. I have never signed up nor have I ever stepped foot in a fitness center! This is not a debt of mine and I am demanding that it be removed immediately!
I have tried to open an on-line dispute on several accounts with both XXXX  and TransUnion. Although I can get a credit report, it will not let me use the on-line dispute center and without it nothing gets done. Finally, I gave up and filed blind dispute over the phone an email. 

The confirmation number is XXXX for XXXX, I do not have the conformation number for Transunion. 

Today I was finally able to get through to the Transunion Dispute Center, lo and behold they show no disputes! Even though I have a record and dates that filed them, even the chat log, while discussing.

This is a deliberate attempt to block people from correcting the record ; they are working with the criminal and harassing " Collection Agencies ''. I had a dispute on over 12 items ( Medical ) ; disputing the same accounts in the other credit agency!

I demand an updated Credit Report from all three agencies immediately, along with a list of all disputed accounts or records with their statuses and tie to completion.
On XX/XX/XXXX Wells Fargo contacted me regarding suspicious activity on a secondary account, while I was out of the country. I advised WFB that the card was not in my possession, and instructed WFB to cancel the card, deny the charges and I would investigate once I returned to the USA.

Upon my return it was determined the card was stolen ( possibly by the babysitter or her boyfriend ) and had been used multiple times while I was out of the country.

Upon examination of the charges and the time periods and history involved, and having reviewed this information with my branch and the police department I could identity 27 transactions with 100 % positive accuracy and 17 other transactions with 30 % accuracy. a result I am willing to accept the financial loss for the 17 transactions I am not 100 % positive about, however I have been victimized by criminal fraud and theft in the amount of {$2200.00} I filed a police report and identified the 27 unauthorized charges. WFB refused to refund {$2200.00} despite the photos of the suspect, because I failed to identify all charges, despite the photos of the suspect clearly not being me.

next time WFB stated the reason for the denial was due to no pin attempts. And the next time, due to no attempted usage after fraud reported.

I have provided evidence filed the correct police reports, and responded to all reasons for denial. WFB has denied my claim based on reasons to deny the claim, and not the merits of the case. As a result I have suffered a financial loss of {$2200.00} WFB implied recent action taken by this office ( CFPB ) has required the bank to deny my claim because they been fined XXXX XXXX dollars.

I have appealed the claim denial to the Board of Directors. I have retained counsel and intent to sue if the complaint is not resolved by crediting my account for the amount of the theft {$2200.00} on or before Friday XX/XX/XXXX, and intend to hold a press conference to seek Class Action participants with a XXXX XXXX on Friday XX/XX/XXXX.
I was called by a processor ( showed " private number '' on caller i.d . ), XXXX XXXX on XXXX occasions on cell phone and home phone that I wpould be served at my office or home for not paying a 2010 closed checking account if I did not contact what I know to be Niagara Capital Recovery. I was scared and called the number. A XXXX XXXX put me on hold XXXX while he supposedly contacted the original creditor. In the end, I gave him my debit card info. After the call, I realized I didn'nt even know the name of the company, I was so intimidated. I called the collections dept of the original creditor who said they 'd not had any contact whatsoever with XXXX XXXX, that the phone number I had for him was not who they 'd sold the account to and that the amount he was trying to collect was almost {$250.00} above the charged off amount. I cancelled my card and have since received more calls from them and a purported process server. Where do I go from here and are these people legitimate?
Where do I start? Equifax has destroyed my credit file. I received an updated report and I am furious. They removed several student loan accounts that are in good standing, then they reinserted deleted collection accounts without giving me 5 day notice required by federal FCRA laws, and added personal information to my account that is not mine. They have broken and violated several of my consumer rights and federal laws that protect those rights. They have purposely damaged my credit reputation with potential creditors and lenders. What they have done is illegal. I AM NOT ASKING BUT DEMANDING that they fix my credit file. I am so livid right now, I am ready to sue them for defamation, violation of my consumer rights and undue stress with dealing with their incompetency. I have contacted my consumer rights attorney. Did Equifax not learn from the 18.5 million settlement they had to payout because of their incompetency to insure that a consumer 's credit file is reporting accurately and complete or the joint 45million dollar settle they had part in paying out for negligent noncompliance with FCRA laws? Do I have to sue for punitive damages for them to get their act together? At some point this becomes ridiculous and unnecessary for me to keep going through this XXXX with them. They refused to respond to my other complaints and now I am demanding that they respond and do so appropriately. I am tired of playing nice with Equifax while they destroy my name and credit file. It has to stop and it stops today.
The last several months Ive had to constantly update my address every time I have my credit ran with Equifax I would submit the documents and then try to go in there and check the confirmation of my dispute and I will be locked out from submitting other documents that they want to resolve my issue they keep my old addresses on file there should know longer be on there they screwed up my date of birth one of their workers change my date of birth I had to update my date of birth which should have never been changed and I believe that this company is somehow doing fraudulent things to steal peoples information.
I had a car through   XXXX   XXXX   and Paid it off completely. But when I look at my credit report it is showing a balance of  XXXX  with Transunion and  XXXX . Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a   XXXX   balance as well.
I opened a new Bank of America account in XXXX 2016. There was an unauthorized activity on my account which caused the insufficient funds and the bank wanted to close my account based on risk assessment. But when I went to the financial center and explained them the situation, they said that the insufficient funds charge had fallen off and that I would not need to file a claim. The bank also returned the NSF fees. But now after a month, my debit card was blocked and I realized from the bank that my account is being closed all of a sudden. They also are reporting me to the chexsystems, which means that I would not be able to open a new account for next 5 years in the USA. I do n't want to get penalized by not having an account for not making a mistake. I wish to get a response as soon as possible because it would create a lot of problems for me since I am just starting with my career here.
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I contacted ally financial about the late payments on my account, each credit bureau is showing different months late the information they are reporting is not accurate and I asked for them to remove it, I have attached the letter I got back from them. 

my credit report XXXX XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX late 1 XXXX  ( husband ) report XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as you can so nothing is consistent on how ally reported to the credit agency 's. 

I just want them removed.
I went online in XXXX 2017 noticed a fraudulent charge of {$35.00} on my Macy 's Amex credit card, a card which I have n't used in a very long time. I contacted Macy 's customer service and told them of the fraudulent charge and they told me they would investigate. Three weeks later, they sent me a form to fill out which asked me to detail the specifics of the charge, including date, transaction name and amount. I was not able to do this as Macy 's has refused me access to my account online and had not sent me a statement showing the fraudulent transaction. I have the legal right to receive my account statements and have them sent to me. They deliberately ask for information and then disallow the card holder from being able to gain access to their own account. In addition, this fraudulent charge occurred probably because Macy 's does not require the use of the XXXX-digit security code on a card when making an online purchase. I rarely, if ever, used this card but obviously someone in the Macy 's organization is leaking account numbers. If Macy 's enforced the use of the XXXX-digit security code which verifies the person charging a transaction has the card in hand, I would n't be in this position I am now, trying to defend myself from a fraudulent claim. Lastly, I did n't charge anything on this card and want them to remove the charge from my account permanently.
I was enrolled at the XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX. I 've filed for loan forgiveness with the U.S. Department of Education. Not only did I have federal Loans but I also had private loans with Genesis Lending which I have since paid off. I was doing additional research on your website and located the page the discussed CFPB is seeking redress for all the private student loans made since XXXX XXXX, XXXX, including those that have been paid off. I am reaching out to see if I am eligible for reimbursement.
Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX
Equifax failed to keep secure my personal information, exposing me to a significant risk of identity theft. They took over a month to notify the public of this breach, further exposing myself and millions of others who did not know of the risk, and during which time the executives sold off shares of Equifax in a clear case of insider trading. 

This is a massive breach of public trust. Further, the terms they 've created for their offer of compensation -- free credit monitoring for a year -- is riddled with unacceptable language granting Equifax amnesty and removing the right to sue of any injured party who accepts this service -- which they should be by law required to provide without reservations or waivers of any sort.
I have received mail through the post office from CapitalOne offering me a credit card. First, I stamped the envelope " RETURN TO SENDER '' in red ink and put it back in the mail but, I do not remember the date. Second, I stamped it again and then wrote " Please remove me from your mailing list. This is my second request. If this request is not honored I will be contacting the Post Master General and the Attorney General of Arizona. Thank you for your help. '' At the time I did not know to contact the Federal Trade Commission. Third, I received another envelope. In response to the envelope, on XXXX XXXX, 2016 I sent a letter which will be uploaded in the appropriate location on your website. In the letter I enclosed copies of the envelope and explained that I first sent an envelope requesting to be removed from the mailing list. I was wrong telling them I would contact the Attorney General and Post Master General. However, I did formally request to be removed from their mailing, calling, text and any other means of communication the company utilizes. They did not try to contact me and around XXXX, XXXX I received another envelope.
I have been sending extra money to Ocwen to be applied to my principal balance, yet they continuously fail to do so. Ocwen sent a letter to my attorney alleging the issue had been resolved ( see letter ). 
Yet, money is in suspense, as opposed to being applied to my my principal balance. They claim my next payment is due in XXXX XXXX, however, it all of my extra money has been applied to my account-then my payment is due for XXXX XXXX!
Stallings Financial Group first called my mother about my debt before me. I called them back and the woman, XXXX XXXX, was very rude to me. She would not send me a hard copy of my debt, then she put me down as a refusal to pay and hung up on me. I called back to speak with a manager, XXXX, and she was very rude to me. I asked them not to call me and was very rude about legal terms. Her tone of voice was not what it should have been. I am very upset with debt collectors and how they have handled me. 
My parents are divorced, my father is the primary holder of my insurance by divorce decree. I have in writing that he has agreed, if sent to him, to pay. No collector will listen to me explain this and send me hard copies from the time I had XXXX.