WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XX/XX/XXXX i uploaded a new copy of a police report of fraud of someone using my identity to purchase cars and credit card loans, I also uploaded the public copy of the police report from the website wake county.gov and sent in my Driver license and SS Card and once a week i call in and talk to a fraud agent at Experian to make sure all the fraud address are still blocked and to make sure everything is in order on my credit file with Experian. Experian back in XX/XX/XXXX verified the police report and blocked several items on my credit file the was fraud, But in XX/XX/XXXX on my Experian Credit File the fraud address that were blocked are showing back up on my credit file with new car loans and credit card loan. Now of XX/XX/XXXX the police report that was update showing the fraud address on the actual report and which its the same police report i filed and Experian verified now says its a fake and it wasn't verified. I worked for XXXX  consumer Affairs for several years and have always heard that Experian Verif team is a joke! I honestly called the Police department up when i was one the phone with the lady From Experian and verified the police report. she stated it wasn't her problem and she agrees that the verifcultion team at Experian isn't good. I will attach all the police reports to this complaint and plus i got a email yesterday which was the XX/XX/XXXX and stated that the items i deputed were removed and blocked and all addresses were removed and blocked. Never happened. i want those accounts removed and blocked or ill go to the courts and civil action protect my rights, Credit bureaus must report good information not fraud information and the bank never needs to show any proof to have it unblocked, Thats against the fair reporting act. Remove now please
I have tried every year since for the last five years to get my loan forgiveness for teaching and they never follow through with what they say will happen. The interest is growing rapidly. I feel as though I spend countless hours preparing my paperwork every year in hopes this year is will happen and nothing happens.
i have tried multiple times to close XXXX out of XXXX WELLS FARGO checking accts, and they keep resisting/creating obstacles, refusing, saying there is a 'hold ' on my acct, forcing me to see the supervisor, etc. etc. 
i need help badly. 
wells fargo is doing this on purpose to get more bank fees from me. 
i have e-mailed them, called them, and visited them in person, to no avail.
I have a small XXXX business and use the XXXX gas cards to purchase gasoline. 
1 ) We receive monthly statements with 5 other monthly reports via email. 
2 ) The customer statement shows the total balance for the month, but it doesn't shows fees showing in a different report " the management report '', when we pay the bills normally within 48 hours our accounts payable don't look at the management report, ( we think that the public would like to see extras fees and charges in the main " customer statement '' 3 ) We send the payment right away and the credit card company receive the payments late in some cases, charging us around {$240.00} in fees for the last 2 month. ( but more in the course of the year ) 4 ) They give us 15 days to pay the bills, but they send statements on weekend, or the day after the closing statement ( seems like the are trying to cut days so the statements get in customers hands later, we are under the impression even if we send the payment right away it doesn't allow enough time for the mail to get the payment there on time ). They won't be able to change the term to 30 days. 
5 ) I called today and express my concern and the lady gave me her apologies because it was the system fault because the payment get there before the due date but because of XXXX it was posted on the XX/XX/XXXX, ( what if I wouldn't call, would they reimburse me the money. I doubt it ). 
6 ) We are really concern about to how many people is this happening, I asked the lady and she said that nobody call about the issue. I doubt it.
I have tried numerous time disputing inquiries with bureau stating that I did not apply for a job or was granted credit with these people and wanted them removed told them I tried sending letters to creditors with no response ....
In XX/XX/XXXX, I was a victim of identity theft. Someone was able to access my personal checking account at XXXX by making a phone call. They also were able to use my information to open a new checking account online at TD Bank. {$1000.00} was transferred from my account to the fraudulent account at TD Bank. I spoke with the fraud department at XXXX and they gave me thorough instructions and they investigated the incident. The {$1000.00} was returned to my XXXX account. The problem is that TD Bank persisted in maintaining a checking account in my name with {$1000.00} in it. Since I was reimbursed by XXXX and all activity with TD Bank was performed fraudulently by an identity theft, clearly the money in the TD Bank Account is not mine and the account itself, though in my name with my information, is also not mine. I have called TD Bank and spoken to their fraud department in XX/XX/XXXX. I wrote a letter in XX/XX/XXXX to TD Bank explaining the situation. They persist in sending me bank statements and they deduct fees, {$5.00} maintenance fee and {$1.00} paper statement fee. The {$1000.00} balance is now down to XXXX as of XX/XX/XXXX, due to these fees.
on XX/XX/2018 my XXXX ( XXXX XXXX ), card was decline on a transaction due to low funds on the account, when I arrived to my house I checked online and notice multiple transactions that I did not authorized and called Global Cash Card and explained to them, of the transactions that made on my account with out my authority. at the time of speaking with a Global Cash Card rep, the person who I was speaking with looked at the information in their system and agreed of the multiple transactions. further more they explain if I do not receive a letter I should get a credit back to my account or if I receive documents to fill out to do so and send back .... I received a dispute form on XX/XX/2018 and send back to Global Cash Card Dispute Dep. via email by XX/XX/2018. on XX/XX/2018 I received a letter from Global Cash Card dispute Dep. determining no error and because of that they will not credit my account back on the unauthorized transaction that I explain to them I did not make, soon after receiving the decline credit letter I called and then I was asked to get a police report to re open the case since they decided to close the case. got the police report and send via email and to this point I have try to contact Global Cash Card by phone and via email and still they're saying the investigation was finalized and determined there was no error and no credit will be issued. I have explain to them, that I did not gave anyone authority in any way shape or form to use my card and have not misplace my card..also I have received any information/documents they say they used to make there decision ... I mention to Global Cash Card, that I do not have none of the Disputed accounts. also attached are PDF and Note files and have proof of emails we send to them per their request
Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of XXXX XXXX, XXXX. XXXX CFR XXXX by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the XXXX day of delinquency pursuant to XXXX XXXX XXXX XXXX a ) and did not receive the written notice of available loss mitigation options required by XXXX CFR XXXX XXXX b ). 
Please postpone the foreclosure sale scheduled for the aforementioned date, to afford time necessary to comply with these loan servicing requirements.
RSI Enterprises has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Advised to consolidate my loans with my parent loans for better payment plan. 
They paid my XXXX XXXX even though it was specified to be excluded as it was free for1800.00 for XXXX. 
Called servicer when i was notified they paid XXXX and told too late too bad nothing I could do. 
After consolidation, turns out now I have unqualified loans and now I can not get better pay plans. 
Placed all in forbearance as could not affordXX/XX/XXXX sent IBR application, debt breakdown and taxes for self and spouse with taxes for payment plan After acknowledging receipt, XXXX advised too old and missing documents, but none were ever requested. 
XXXX Reapplied IBR Spouse and self and payments were now 40 % of our household income. 
CalledXX/XX/XXXXadvised by servicer that I needed to complete another IBR which was doneXX/XX/XXXX and told I need to fill out form to take out of deferment. They would mail form ( form came XX/XX/XXXX ) and told they see the mistake that my spouses loans were not considered when paymnet was calculated and she would send for evaluation. 
Called XX/XX/XXXXfollow up on evaluation and told that servicer no longer automatically calculates payments with spouse even when box is checked because too many people check in error. Advised that we would need to each fax in a letter requesting our accounts be reviewed together. Also this staffer was able to end deferment without a form. 
Bill Came XX/XX/XXXX again wanting 35.5 % of our household income for my spouse and I. 
his dropped from XXXX to XXXX mine is XXXX due in 14 days from notification giving us a total of XXXX due on our ICR plan. 
As of XXXX/XXXX/XXXX no word on if our faxed letters were ever received or being processed. 
Letter came XX/XX/XXXX explaining how they calculate ICR : XXXX or amount repaid annually over 12 years under standard plan multiplied by income % factor with XXXX divided by 12 or 20 % AGI - 100 % of poverty level which the calculate as XXXX however, we calculate jointly as XXXX total. 
We want to pay these loans, but need something we can afford. 
My husband and I work 2 jobs each and if we work a third job each next year the payment will just be higher so we are really stuck. 
We have consistently been provided with bad advice, wrong information, delays in processing which continues to grow interest debt, loans erroneously added to consolidation that was to be left out and inconsistent payment plans by XXXX XXXX.
I just pulled my XXXX  credit report found that XXXX XXXX had put a mysterious amount on credit. I have paid them everything I needed to pay all months and on time due me being on auto-pay. My free cancellation due to move outside of building radius of 40miles doesnt seem to be free after all. I moved to a whole different city with no XXXX In sight. I spoke with customer service over the phone in XX/XX/2017 and everyone seemed to be genuine. Im looking for a resolution to this as soon as possible.
I have a foreclosure from 8 years ago still on my credit report that should have been removed due to the amount of time that has passed. The mortgage loan was through XXXX XXXX. The account has been closed for some time now. I would like it off my credit report. I submitted a dispute through Transunion to have it removed but they did not remove it.
XXXX XXXX XXXX improperly represented themselves as working on behalf of apartment complexes who charged off the debt I owed. Two representatives stated that the apartment complexes would not accept less than 70 % of the debt. One manager stated that " the client '' not accept less than 80 % on a debt, and constantly referred to the client being the entity setting the terms on this charged off debt. When I spoke to a third manager today, XXXX, I told him that I contacted the apartment complexes who confirmed they charged off the debts and that none of the money I paid would be sent to them. XXXX stated " That is correct. The apartment complexes wo n't get the money, their management companies will. '' This is also inaccurate as I contacted the management companies for both of these complexes and they also confirmed that none of the money I would pay would go to them. I recorded our conversation where he states that money would go to the management companies of these apartment complexes, and have attached them. XXXX then replayed my conversation where I spoke with the previous day, which I also recorded but was not able to add as the file is too big. I can provide a copy upon request.
I recently purchased a home. Throughout the process I was aggressively steered towards unhealthy loans b y Quicken Lo ans and    XXXX   XXXX   XXXX  . Those two  companies pushed me towards  high APR FHA loans with the lowest down payments against my very strongly worded in terests in paying a higher down p ayment. The loan officer I spoke with at Quicken Loans seemed to make a specific effort to avoid discussing  the APR of the loan she wanted to push other than over the phone. My overall mortgage shopping experience greatly concerned me, especially when put in the context of the anti-steering disclosure I eventually received at closing of my conforming mortgage.
Transunion is continues to report a account that does not belong to me that I have disputed several times according to my rights under FCRA. I also have provided them with proof from XXXX that states they can not locate and account number under my name, social security, date of birth, etc ... I am hoping that the CFPB can help me get some results.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, TransUnion Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed onXX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
This is an update from my previous complaint from XX/XX/XXXX. Rushmore Loan Management Services did give me another Single Point of Contact person at the end of XX/XX/XXXX. His name is XXXX XXXX which I spoke with him on the phone XX/XX/XXXX. He was very demanding and had a sarcastic attitude and was asking for the full amount in past payments. Also he mentioned that my rental income wasn't included twice on one of the properties when I applied for a Loan Modification.  XXXX XXXX mentioned that I was done and the next time he would only be speaking with my housing counselor on the phone. Then on XX/XX/XXXX I received a XXXX XXXX  XXXX  envelope at my front door which included a letter dated XX/XX/XXXX from Rushmore Loan Services it was a special Loan Modification offer which I did apply for and I was rejected. I was rejected because Rushmore has a lock on my account and that I can not apply anymore for a Loan Modification which I was told that on the phone XX/XX/XXXX. This is unfair business practices by Rushmore Loan Management Services and the denial was inappropriate. Also my income was taken incorrectly by Rushmore Loan Management Services for the Loan Modification.
PNC charged XXXX-XXXX dollar late fees on a equity line of credit. 
PNC bought National City Bank. PNC accepted the terms and continued collecting payments for years on this acct The payment has always been due on the XXXX of the month as the online webpage states and shows that the payment is due on the XXXX and shows how much to pay also. {$40.00} was charged as a late fee XX/XX/XXXX, before the payment was due by PNC. See the copy of the webpage and my previous payments for payments made by me. PNC charged XXXX dollars again XX/XX/XXXX when the website show conflicting information ( due date on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I have been charged XXXX dollars for XX/XX/XXXX If PNC will allow you to login to my account. you will definitely see the conflicting website due dates and amounts. 
Should PNC have to honor my agreement with National City.
I would like to request a full accounting of my student loan ( s ) with ACA. I owe far over XXXX and I think the principle balance is below XXXX. 

How much of my balance is interest, fees, principal or any other charge?
On XX/XX/XXXX, Equifax the credit bureau, discovered a data breach that compromised my information which includes but is not limited to my name, social security number, credit score, etc. Despite this breach affecting not only me but 150 million other Americans, we only became aware of it in early XXXX 2017. 150 million americans experienced identity theft and for almost 2 months none of us knew. Add to that their CEO 's made sure to sell their stocks before hand.
the better business bureau referred me to CFPB because the problem goes back to  XXXX .   XXXX    refuse to correct my credit report and score, my  credit score  was  XXXX  in  XXXX  and it remains about the same to date. I paid off an SUV in  XXXX , paid as agreed never late,  XXXX  reported it for a while and then dropped the report but keep the score the same,  XXXX . It is my understanding that the report is to stay on your report for  ten  years, I contacted the credit grantor and they said they would report the credit file to  XXXX  but to date, my score has not changed.   I want  XXXX  to report the file for the SUV purchased in  XXXX  thereby extending my credit history to  XXXX  and not  XXXX .   I have contacted several times with the same result, no change in my  credit score,  I need help!
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXXXXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX:XXXX Transunion XXXX XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX Transunion : XXXX.
I received a letter from Navient dated XXXX/XXXX/XXXX that informed me that they were increasing my monthly payment even though I am enrolled in an IDR program. When I called to see what was going on they told me they had received new income information in XXXX from XXXX and that I should contact XXXX with any questions. However, I have not submitted a IDR request since XXXX/XXXX/XXXX, which was confirmed when I contacted XXXX. When I attempted to call Navient back, I was put on hold for 15 min. then hung up on by their customer service representative. I also went back through my payment history, and even though a payment of {$3000.00} was made on my account in XXXX XXXX through the XXXX loan forgiveness program, my account does n't seem to reflect a lower balance. In fact, according to the letter they just sent it I still owe over {$4000.00} even though my original loan amount was just over {$6000.00} and I 've been making regular monthly payments, as well as the payments made by XXXX on my behalf. Something is seriously wrong here. I feel like I am being charged more money than I actually owe and having my monthly payment increased without justification. Please help!
Multiple inquiries are on my credit report that have been attempted to be removed as unauthorized. XXXX inquiries occurred during an extended fraud alert being placed on my credit report with transunion. Which holds transunion responsible, I 've attempted to get these removed by the companies and the creditor with no success. Just to be told that they are valid, when in fact they are not. I 've asked XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX for proof of the inquiries. such as drivers license, passport photo id, and any pertaining information to validate these inquiries. No such evidence has been provided and transunion has failed to validate these inquiries and remove them on mulitple instances. Please assist. 

Inquiries in dispute are XXXX  XXXX XXXX, which occurred during a security freeze on my credit profile, was unauthorized on XXXX/XXXX/XXXX. 
XXXX XXXX - on XXXX/XXXX/XXXX which was unauthorized. 
XXXX XXXX XXXX XXXX, Which was unauthorized on XXXX/XXXX/XXXX