WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016 I contact Trans Union through the cfpb.gov online gateway stating that XXXX of my personal emails hosted by XXXX was hacked, contained account and sensitive information and since XXXX of 2016 I had been receiving account threats of bills and accounts opened in my name using my social security number address name. and the I have subsequent hard inquires as well on my Trans Union consumer credit report and that I would like all inquires made after XXXX removed as I also initiated a Fraud Alert across all XXXX credit bureaus. However I was informed by Trans Union that since the email that was hacked was not the same as the one I used to communicate with the cfpb they were not under under obligation to do anything at all. I find that both untrue and evasive if the material issue was that if my email was hacked then " I '' was compromised and need remediation as a consumer starting with the retainer and furnisher of credit inquiries and records, not misdirection and dismissal of the damages suffered.
I was behind XXXX mortgage payments with Wells Fargo. We successfully completed a loan modification and rolled the XXXX payments into the new agreement. In the mean time Wells Fargo took the amount of the XXXX payments from my credit union account without my without my knowledge nor permission. Simply put, they are taking these payments twice. This action has led to numerous overdrafts and fees as well as leaving me with no money. Wells Fargo has promised to rectify this situation daily since last week. As of XXXX EDT today ( XX/XX/2016 ) no resolution. Please Help! 
Respectfully submitted,
I have communicated with  XXXX  from bayview loan servicing on  XXXX / XXXX /   2017  and told her that bayview loan servicing is doing fraud by charging me for insurance and not paying  XXXX  insurance.     In  XXXX   2017  I got a call from my insurance agents office stating that they havent received a payment for the insurance in the sum amount of  XXXX   XXXX .     Consequently I made a payment of  XXXX  and this is reflected on my credit card statement.     I have asked bayview loan servicing to please pay my money back plus the interest that they have charged me.     But the attitude of bayview loan servicing is like of a  XXXX . They are stubborn and they dont want to resolve their mistakes
2-3 times weekly calls from XXXX and XXXX re : debt collection that was not correct. Company calls with robocalls and live body calls. Not specific with messages left.
I am a military personnel on active duty and I have requested the SCRA with a credit card company but was told that the request was submitted back in 2010 but I do not see where it is reflected on my account. I have contacted the company several times and got nowhere.
On XX/XX/XXXX2017, I borrowed the amount of XXXX USD. My purpose for the loan was that I was going through a divorce process. Since I have lost one of two jobs that I was holding, now I am unable to pay the amount of XXXX per month. My income can not cover this amount. I tried on many occasions to get this payment amount lowered. Integrity Funding XXXX will not work with me on a lower payment options. But instead XXXX ( Loan Rep ) yells and threatens to sue me and even threaten to call my boss to let him know about this debt, in which it puts me at risk to lose my job. Also they threaten to even repo my vehicle. I want to pay this loan, but at an amount that I can afford. I ca n't take the threats or harassment anymore. I am stressed, also XXXX from the loan company ( integrity funding ) did not even provide an mini-Miranda? Or even verify my DOB or Social? That is an FDCPA violation.
I was unaware that I am being Charged an inactive fee from BB & T bank in the amount of $ XXXX/month.I have it just as a little savings and my safety deposit box is also with them.These " fees '' should be deemed criminal, just because I do n't use the account once a month I am punished.
In XX/XX/XXXX a fraudulent charge appeared on my Discover card from a company called XXXX XXXX WA for {$390.00}. I have not done business with this company before or since. Discover reversed the charge, originally from XX/XX/XXXX, but on XX/XX/XXXX, with no explanation, restored the charge. 

I called their main number at XXXX and spoke with a XXXX who claimed to be a supervisor. XXXX refused to correct the issue.
Cain and Weiner are reporting inaccurate information on my credit report. I cancelled my policy with XXXX XXXX on XX/XX/2017. I received my final bill notice on XX/XX/2017 that I had a final balance of {$100.00}. I paid XXXX directly on XX/XX/2017 and have a receipt. I never had a debt with Caine and Weiner therefore I am asking for the immediate removal of this reporting.
XXXX initially signed me up before they opened, it was around XXXX. They were supposed to open in XXXX, THEY NEVER DID. I was told they needed my credit card information for their records, just in case I broke equipment or things of that nature. They advised I would have a fee of {$10.00} and an initial fee, which I could come in and pay. I attended for about a month, they NEVER CHARGED ME, I inquired why not, they advised they would charge me in XXXX that my credit card would n't be charged I could come in and pay it. Low in behold I moved, I never received notice of when they would charge my charge, something was wrong with their email, it was really new and they were still building the facility, in the meantime we could use a smaller facility. I ended up moving. I received a call in XXXX from a collection agency that stated that I owed money to the establishment. I advised they were to cancel the service that I did n't know they were billing me for and remove the balance. I am sure they are supposed to notify you of any late fees, and billing me. I got nothing but a phone call that stated I owed XXXX dollars. I contacted XXXX XXXX, who acted like I was lying and decided that even though I did n't know it was a recurring charge billed to a card I reported lost, that I was still obligated to pay. I advised I emailed mailed them to cancel the contract. He advised that they do n't accept emails. According to the contract, any written notice is sufficient. IT DOES NOT SPECIFY A LETTER. I refuse to pay for services that I never received. The balance last that I heard I allegedly owed {$220.00}. XXXX offered to refund {$45.00} dollars for late fees. I declined because had I known they were charging me, IF NEVER WOULD HAVE BEEN LATE. I ADVISED YOUR REPRESENTATIVE FROM THE BEGINNING I DID NOT WANT ME CARD CHARGED THAT I WOULD COME IN AND PAY, IT IS NOT MY FAULT YOU CA N'T ESTABLISH WHEN EXACTLY YOU WOULD BE PREPARED TO CHARGE ME. The monies paid to your company were taken under false pretenses. False pretense is legal defined as follows : Under common law, a defendant commits the crime of false pretenses when by making an intentional statement with intent to defraud the victim he obtains title to the personal property and or monies of the victim. Under common law, collusion is an agreement between XXXX or more parties, sometimes illegal and therefore secretive, to limit open competition by deceiving, misleading, or defrauding others of their legal rights, or to obtain an objective forbidden by law typically by defrauding or gaining an unfair market advantage. Collusion and fraud of every kind, impair all acts which are a part of them, and render them void! Consider our contract voided. This has got to be illegal, please investigate XXXX XXXX XXXX XXXX, XXXX XXXX Florida. This has got to be some unethical business practice. I demand a full refund, you representative gave me misleading information, had I known the truth I never would have agree to sign up.
Allied Collection services was representing for XXXX XXXX and made an agreement with me for a pay to delete. The account was paid in full and still remains to show as a PAID closed account in collections on my XXXX credit report.
I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX
I opened several personal 7 month personal CD accounts for my minor relatives at Chase NA on XX/XX/XXXX in the amount of XXXX each. The accounts were moved to the XXXX Comptrollers abandonded Funds Account. On XX/XX/XXXX I went through he process of locating my funds for the XXXX accounts. XXXX of the accounts were delivered in full when the grown up minors processed the request. In one of the accounts the amount returned from the abandoned funds account ( XX/XX/XXXX ) was XXXX instead of the full amount of XXXX. We have not been able to get an answer as to what happened to the balance of our money. I never took any withdrawals so I do not understand how my money was reduced and returned to me as a XXXX check from the NYSComptroller Abandoned Funds Account. I put XXXX into the CD on XX/XX/XXXX with standing instructions to " credit to CD and at Maturity, add it to the Principal and renew XXXX. I never took any withdrawals so I do not understand how my money was reduced and returned to me 0n XX/XX/XXXX as a XXXX check from the NYSComptroller Abandoned Funds Account.I need to get the balance of my money.
This problem is with Experian. They are reporting several accounts negative and balances incorrect. I do not believe they are verifying the information at all because if they were these negative accounts would have been cleared up. My XXXX  account has me negative 4 times the remark is i had a late payment. if they actually verified the information they would know i did not have a late payment i had a partial payment and have never been late. My XXXX  credit card account is being reported with the wrong balance and not saying closed and paid in full. My XXXX XXXX account is still saying I had two missed payments after the representatives told me otherwise. Yet and still Experian is not doing their job. Then their updating it which is causing it to remain on my credit even longer.
I went to the bank XXXX/XXXX/2016 and asked why my debit card is blocked. Representative took my debit card information and said that I took XXXX dolars from ATM and my account is overdraft. I said that I did n't do it and XXXX XXXX helped me file a claim about fradulent activity on my checking account by phone I was talking with person from Card Claims Team ( XXXX, MA ) who said that the fraud was exactly from my card in the Santander ATM in the XXXX, New York on XXXX/XXXX/2016. I did n't leave my room XXXX/XXXX/2016 because I had a flu, so I was in the XXXX XXXX, XXXX. Santander Bank refunded XXXX dollars to my account plus they refunded overdraft fees which they charged me. I thought that everything is okay now, so I did n't go to the police with it in the XXXX. In the end of the XXXX I got the letter that bank denied my claim and want me to paid XXXX dollars plus fees. I called them in emotions and explained that I did n't took the money. I believed that they will take care of it. XXXX/XXXX/2016 Santander Bank, XXXX MA charged me XXXX dollars and I got the letter that my account is charged. By the phone bank worker from Card Claims Team said that I had the card which was a crime and suggest that I gave my card or PIN number to somebody. I went to the bank and XXXX XXXX said that he ca n't help me, because decision against me was made in the XXXX, MA and the only way is the case in the court. He also said that it will cost me a lot of money for attorney. I felt bad after it because I am not rich as a Santander Bank, but I just wan na justice as a customer. I also heard from XXXX XXXX that I am not the only person who has money missing from the account in the Santander Bank, New York. I went to the police and they said that at the moment I should have a case against the bank in the court, because they ca n't make it report after bank investigestion. Every few days bank charged me extra XXXX dollars fee. My account is overdraft. I got the information that I have 35 days to pay everything or they will close my account and I will have bad credit score. From the beginning of this situation I felt discriminated because of my immigration status by the bank workers. They have a lot of my informations and they asked me about my passport information by the phone. I am a victim of XXXX so I will regulate my XXXX in a diffrent way. I felt totally bad because of my hard life situation and Santander bank make it even worse. I swear on the Holy Bible that I did n't took XXXX dollars from the Santander ATM and I did n't give my PIN number or credit card to anybody. Please help me.
I keep receiving phone calls and notices that I owe a debt from Phoenix Financial Services for the date of XX/XX/XXXX and XX/XX/XXXX for the amount of $ 900.00+.from a doctor at XXXX XXXX XXXX XXXX TX . I called the hospital who had no info, but said it would have come from XXXX XXXX, they gave me the number to call XXXX. I called and that number and spoke to someone there that said my balance was XXXX. That my insurance had paid and that I did not owe any money. My balance was XXXX. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX DOB XX/XX/XXXX.
The account is current with the payments However The account is being reported as past due. 
Also the account is incorrectly managed Is the vehicle owned by capital one or another financial institution? 
Am I the only owner or account holder in the vehicle account contract? 
My car was vandalised, may I return the vehicle back to dealership due to improper security lock the door lock? 
I did reported to my insurance company good to go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ... policy number XXXX
I opened a credit card account that's been unused by me with a particular company and it has continuously reported a maxed out balance to the 3 credit bureaus who i've also contacted over phone and mail explaining the inaccuracy of my report. I notified the bureaus that the balanced amount being reported is not correct and way past inexcusable to accept and needs to be fixed down to 0 or removed because I owe nothing. The bureaus apparently contacted XXXX and they reported a total different number then what they first reported. The bureaus caught this and quite fairly removed XXXX account from my report, but only to reinsert it just a couple days after and this time with a new different balance, credit card still being maxed out.

So in fairness to myself and millions of others who rely on these credit bureaus to report only accurate verifiable information, by fcra law, they were suppose to notify me within 5 days for reinsertion of a previously deleted account. In which I never received any such notification, [ this account needs to be deleted once and for all, immediately ]. I will upload documents showing different balance amounts being reported and also the account being deleted then reinserted ... Unfair illegal practices, done by both the credit bureaus and creditors, hindering the consumer from obtaining further credit.
I HAVE BEEN A CITI CARD HOLDER SINCE XXXX. I PURCHASED THE CREDIT PROTECTOR FOR THIS ACCOUNT ALSO IN XXXX. I FILED A XXXX CLAIM XX/XX/XXXX. WHEN I FILED THE CLAIM MY STATEMENT BALANCE WAS {$9400.00}. ACCORDING TO CITI & CITI PAYMENT SAFEGUARD PROGRAM PAYMENTS WERE MADE TOTALING {$5100.00} FOR 24 MONTHS. AT THE END OF THE 24 MONTHS THE PROGRAM IS SUPPOSE TO CREDIT THE ENTIRE BALANCE IN FULL WHICH ACCORDING TO THEM IT WAS {$4300.00}. IF YOU ADD THOSE TWO TOGETHER, THEY DO EQUAL WHAT MY STATEMENT BALANCE WAS {$9400.00}. I RECEIVED A STATEMENT FROM CITI XX/XX/XXXX STATING I STILL OWED A BALANCE OF {$2400.00}. ACCORDING TO CITI PAYMENT SAFEGUARD PROGRAM MY STATEMENT BALANCE DATED XX/XX/XXXX WAS {$4300.00} AND THAT'S WHAT THEY PAID. THIS WAS NOT TRUE. A REPRESENTATIVE TOLD ME MY BALANCE ON XX/XX/XXXX WAS {$6900.00}. I'VE REACHED OUT TO BOTH COMPANIES AND THEY CAN'T GIVE ME AN ANSWER AS TO WHERE THIS EXTRA {$2400.00} CAME FROM OR WHY IT WASN'T PAID IN FULL. BOTH COMPANIES BLAME THE OTHER. MY HUSBAND AND I AFTER YEARS HAVE JUST FINALLY GOTTEN OUR CREDIT IN GOOD STANDINGS BECAUSE OF HIS ILLNESS IN XX/XX/XXXX AND NOW IT'S GOING TO BE RUIN AGAIN. I DON'T FEEL I SHOULD HAVE TO PAY THEM BECAUSE I PAID DEARLY FOR ALL THOSE YEARS FOR THIS PROGRAM.
XXXX XXXX has a huge problem that needs to be corrected. I've contacted them at least three times and it continues. They have refunded this small amount each time but it's abuse that needs to fixed. I have many credit cards and they in my opinion are predatory in nature hoping a {$2.00} charge will possibly turn into a {$35.00} late fee etc.

An example is they send a bill for lets say {$130.00}. I pay the {$130.00} well before the due date and they cash the check. They post the payment, show it as " on time '' and then send another bill for {$2.00}. This is not only insane but illegal. If you pay the balance in full before it's due that's it! They send these bills hoping you'll either pay it or they can get additional fee income with late fees. Can you say XXXX XXXX? I have already contacted an attorney and have documents stating they've done this on multiple occasions. No other card sends a bill after payment in full before due date. I've spent way too much time and this is on principle as XXXX XXXX  is taking advantage of people.
My home was dual-tracked and sold at a foreclosure sale in Georgia on XXXX XXXX 2015 even though a modification application was in review. 
My previous CFPB Case # XXXX detailed overview of events just prior to and immediately following the foreclosure sale will be attached for reference.
I had requested that all dispute remarks be removed from all accounts listed on my credit report within 15 days. The dispute remarks are keeping me from closing on my home loan. I was told by a mortgage company to dispute all accounts that were in collects and now I am being told to have all the remarks removed.
I am writing to submit a complaint about unfair credit practices by Toyota Financial Services ( TFS ). I have tried XXXX times, unsuccessfully, to resolve the matter with TFS and am submitting this complaint. 

TFS has filed derogatory and incorrect information on my credit report XXXX. TFS claims that my payment history is " XXXX, XXXX and XXXX, '' whatever that means. I *think* they are saying I had late payments, but even asking for clarification on what that means was met with resistance from TFS. In fact, when I questioned the meaning of that phrase, they took it to mean that I was acknowledging it was correct ( see the XXXX set of correspondence to understand what I mean ). 

The payment history TFS placed on my credit file is incorrect. TFS never XXXX sent me a letter stating my account was late. TFS made absolutely no attempt to cure any debt with me, until XX/XX/XXXX 2014 when I finally received notice from a collection agency that there was a due amount. When I contacted TFS, they removed the collection and accepted payment. They never, EVER, contacted me to inform me there was any late payment. ALL payment to this account was made under the terms of agreement with TFS and with XXXX persons on the loan. 

To summarize : TFS made XXXX attempt to notify me of any payment XXXX XXXX ) due. To claim now that there were late payments is simply incorrect and now they are damaging me credit. I have maintained a perfect credit rating my entire adult life ( almost XXXX years ) and am baffled as to why TFS is trying to XXXX over. 

I am attaching all correspondence between myself and TFS. 

I request that TFS remove all derogatory information on my credit report/profile. I was never late with payments and am being treated with disrespect. 

Best, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am also extremely disappointed with how Equifax handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory and free for every account.. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it XXXX including me XXXX following this data breach. Requiring a police report is absurd when they clearly know you were affected. 

Secondly, free " temporary unfreezing '' or a reimbursement program should be set up, seeing as this will now be a burden on me and everyone affected for the rest of my life. 

Third, something should be done to " incentivize '' companies like these to to act appropriately in situations like this.
In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. XXXX simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. XXXX XXXX is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. Experian also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since XXXX 's breach started this in the first place. There are still issues with XXXX not removing inquiries even when I received letters from XXXX and the disputed companies that the inquiries would be removed.
We had mortgage XXXX with Mr Cooper ( formerly NationStar ) and we closed it two months back. Now we are trying to get a home but our credit reports still show that loan as open and it is preventing us from getting a new loan. 
We called them to address the problem but instead of fixing right there, they offered us to send an e-mail to one of their departments. We also sent a message to their support team, but we are still to hear from them. 

We appreciate any help you can bring about this issue. 

Thanks, XXXX XXXX
Filed a dispute with TransUnion on XX/XX/2018. As of XX/XX/2018, dispute still under investigation. Contacted TransUnion on XX/XX/2018 regarding matter at phone XXXX. The rep. ( name unknown ) indicated that he would initiate a new dispute. No activity on the TransUnion website to indicate a dispute was initiated. Address for TransUnion is XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

I monitor my credit scores through XXXX XXXX & XXXX XXXX. The collection was paid in full to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX on XX/XX/2018. XXXX  has acknowledged the acct. paid in full per XXXX XXXX. 

XXXX XXXX messaged indicating acct. paid in full on XX/XX/2018.  XXXX XXXX XXXX has since reported account delinquent to TransUnion on XX/XX/2018.
I have been disputing inaccurate information on my credit report for over 1 YEAR and yet to have my report corrected. XXXX XXXX XXXX listed is incorrect. The balance is {$0.00} because it was transferred to U S DEPT OF ED/XXXX which I AM CURRENTLY PAYING EVERY MONTH. Yet it is NOT reported that I am in good standing and PAYING currently. 

AGAIN EXPERIAN CORRECT THIS IMMEDIATELY : XXXX ( XXXX DIFFERENT ACCOUNTS ) NEEDS TO SHOW A {$0.00} BALANCE. THE ONLY ACCOUNT WITH A BALANCE DUE IS U S DEPT OF ED/XXXX.
I applied for a XXXXXXXX XXXX XXXXXXXX MasterCard credit card on XX/XX/2018. Card is issued by XXXX XXXX. I was promised a {$45.00} sign up bonus which I never received. Contacted Bank numerous times including XX/XX/2018. They said they will NOT give me the bonus. I believe this is fradulent behavior.