WillisBack/dataset-financial-user-claim huggingface dataset:
I have only XXXX active bank account and have had only XXXX credit card ( XXXX store credit cards ) my entire life, yet my credit report from Equifax shows all these other accounts. It does not show my employment information. 
I have lived in the same address since I was XXXX XXXX XXXX yet it shows XXXX other addresses besides my own. 

I believe they have merged my account/information with another person because this happened with another credit reporting company but they were able to fix it when I contacted them. 

During the past couple of years I have tried to get my credit report ( online ) from Equifax but could not because I could not answer the pre-screening questions correctly since obviously the information was not mines. 

I tried to contact Equifax multiple times. During the phone I spoke to someone who sounded like he clearly was not from this country. He had a great deal of trouble understanding what I was explaining. I then tried to get my credit report through mail by sending the required information including a copy of my state ID and social security card. They said the information was not enough. 

I was finally able to obtain my report from them by signing up to the TrustedID premium service they recently offered as a result of their security breach.
In XXXX, my parents purchased a savings certificate for ~ {$1300.00} from XXXX XXXX, which has since been purchased by Wells Fargo. I went to the Wells Fargo branch in XXXXXXXX XXXX XXXXXXXX, PA but they were unable to help me and it was nearing closing time. I contacted customer service who assured me a branch could help and I went to the Wells Fargo branch in XXXX, PA. When I showed the Personal Banker the Savings Certificate, she stated there was nothing that she could do but she would " go through the paces '' anyway. After roughly 30 minutes of being on the phone I was told it was either cashed or there is nothing that can be done. There was no supporting documentation to show it was cashed and the bond states it " Must be surrendered '' upon cashing it in. I then sent an email to to the board on XX/XX/XXXX. I spoke with " XXXX '' several times who asked me to fax a copy of the certificate to him on XX/XX/XXXX. I sent a copy to fax number XXXX referencing the case number he assigned which was XXXX. He finally indicated on XX/XX/XXXX that they could not do anything to help me. I asked for a letter stating they can not help me and indicated that the funds do not just disappear.
I never received a bill from XXXX XXXX XXXX in XXXX. It was a {$200.00} bill from XX/XX/2016, for my son when he was born. I had two insurances at the time. ( XXXX XXXX XXXX XXXX XXXX XXXX ) The bill was sent out to XXXX XXXX but never got billed to my secondary insurance, which would have taken care of the rest. I have made calls to both the hospital and the collections agency XXXX and have been told the bill is so old the only option is to pay it. XXXX offered me 20 % off the bill if I paid them right now, and said the only way it can come off my credit is to pay it. I cant understand how I never received a bill or any document notifying me I was going to be turned into collections. If I had, this would have been cleared up through insurance. I want this removed off of my credit.
XXXX XXXX, 2017 received notice from Chase **WARNING** Chase is UNFAIR to long term customers!!?! ** I 've been a Chase Ink Business Credit Card holder for nearly 20 years and have never missed a payment. Though I have been late never more than a day. During a recent hospital stay a relative made my payment late ( a day ) and to my disappointment Chase raised my interest rate to a draconian 27+ %. I called and an account manager named XXXX ( nice woman ) who told me that unfortunately there was nothing to be done. Over the years I have had a mortgage, line of credit and several credit cards, personal and business with Chase. Paid them all in good faith and this is how they reward loyalty. <P/>STAY AWAY FROM CHASE.
To cut down my loan faster, i wanted to do XXXX things 1 ) make bi-weekly payments and 2 ) put additional money each month into my loan. They said they could n't do the first, and then to do the second, i 'd have to MAIL a LETTER with a check and an explicit request to put the extra money into the PRINCIPAL. I complied, but when the money showed up, it went into my interest, not PRINCIPAL. There needs to be more regulation in this field to stop banks for figuring out how to maximize their profit. I got an education, not a Corvette.
I closed on my mortgage with Carrington Mortgage on XXXX/XXXX/XXXX @ 6 % first time buyers and in XXXX XXXX we were contacted by Carrington for a Refi@4.5 % which of course we was glad to do be cause it was a lower rate. We closed on that in XXXX XXXX, in XXXX XXXX we received a tax bill in the amount {$3000.00} for XX/XX/XXXX which I forwarded to Carrington to be paid because it was my understanding that since they paid all my closing cost on both loans they had the sellers tax escrow from XXXX XXXX XXXX XXXX of {$2000.00} according to paperwork from title company ( XXXX XXXX XXXX XXXX, Ok ). According to Carrington tax dept. when the tax bill was paid it put my escrow in the negative {$4000.00} based off an escrow analysis dated XXXX/XXXX/XXXX. On my original loan my payment was XXXX approximately {$440.00} was escrow that was for XX/XX/XXXX -XX/XX/XXXX. Then after the Refi on XXXX XXXX, the payment was {$1400.00}, {$190.00} for escrow. The escrow did n't include taxes because I am a XXXX Vet and in Oklahoma I pay no property tax which took effect on XXXX XXXX XXXX. On XXXX XXXX my adjusted payment was XXXX ( + {$630.00} ). With all this going on I did a refi with another institution and when they sent over the payoff with an Escrow impound shortage of {$2400.00}. I feel there is some unexplained issues of $ XXXX-XXXX that I could never get straight answers to.
I received a letter from American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX on a debt they claim there client XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I owe. indicating I owed a debit to XXXX XXXX XXXX XXXX XXXX for the sum amount of {$210.00}. I sent XXXX letters to the collection agency and also to the vendor. The XXXX letter was dated XXXX and certified receipt. I advised this debit was not due or owed, and we did not order the services. The vendor actually did n't sign for the certified letter but the collection agency did. I asked in the letter to correct the account as we did n't owe the balance, and requested they respond within 10 days of which I received another letter today. Today 's letter simply states per my request they are enclosing supporting documents for the debit owed, it is simply the vendors invoices. 
This is becoming a paper chase and my fear is they will report this in my credit. Need your help as I advised in writing the debit was not owed XXXX and certified mail.
In XXXX we sold our home in XXXX Ca. The mortgage company said they would give us a no interest loan for the difference in the selling price of our home. We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time. Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency. The money amount on the Promissory notice is different from the written amount. The payment for the note was {$1200.00}. I paid {$50000.00} on this note for my mortgage at XXXX XXXX XXXX. Then I lost my job after 34 years. XXXX went out of business in the real estate scandals that went on in XXXX. They sold the note to Dyck-O'neal, I contacted them in XXXX and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer. I went to an attorney  and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with Dyck O'neal in XXXX they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations. My husband was employed throughout this fiasco, I ask Dyck-O'neal on several occasions to take this to court so we could deal with it legally, they choose not to do it. I believe it's because they knew this was an unenforceable agreement. I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XXXX XXXX credit it is stopping us from purchasing it. I have written to the Credit Bureaus disputing this account and they will not remove it because Dyck-O'neal keeps saying its a debt owed to them. Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.
I applied for XXXX about a month ago after hearing alot of positive feedback. I was looking for a flexible summerjob and it seemed to be XXXX. I filled out the information on the website that was required. I did not do a backgroundcheck for that required extra money. About XXXX days later, I received an email from someone who claimed to be XXXX and needed a babysitter for his son XXXX for the summer months as they move to XXXX for vacation. I was excited andagreed to the offer. I was also told that I would receive a week for the job for XXXX times a week. I was told I wouldreceive a check in the mail to run errands before they arrive. The check came and it would not process through the bank. 
The bank told me it was because I am not used to depositing such a large amount ( {$1900.00} ) at once for I usually depositbetweeen $ XXXX {$400.00}. 

The next job offer I received was to babysit a babygirl named XXXX a few times a week. The dates would n't confilct soI took the job. This time the check was for {$2700.00} to send to housing agents and someone to ship the toys for the kid. 
The story was the family got relocated for a job. I was supposed to meet them Monday XXXX XXXX for icecream to meet thefamily. 

The last job offer was from XXXX XXXX siply to run errands, not to babysit. The check was for {$1800.00}. 

Overall, the bank did not tell me these checks were fraudulent so I transferred the money and now the banks are asking for {$3500.00} to pay back.
This was for new service. The equipment was all returned within days of activation. The service is not supported in the area I live in - and that was not disclosed when I applied for service. I attempted to explain that to the debt collector but, they continued to call and explain I had to pay the debt.
I have outstanding student loan debt that has grown significantly that I can not afford to pay due to me being put into forbearance status time and again instead of putting me in an income based payment plan like I have asked for. This has been slowly killing my credit and is making it impossible for me to get out of debt. Most of the loans are Federal through Navient but a few are private through Navient. I have had some major life changes where I am now at home and unable to work due to other responsibilities to my infant, XXXX children, and XXXX mother. Please help me get them to enroll me in an income based payment plan so that these can stop damaging my credit.
I did a credit consolidation and completed the program, all debts " paid as Agreed ''. The creditor is reporting that there is a balance of {$2800.00} and that it was " charged off/bad credit ''. That is incorrect, it's XXXX balance, " paid for less owed/settled ''. Please report to credit bureaus correctly, as it affects my credit rating/profile.
I received a letter from Discover Student Loans stating " lat year we sent you a check as agreed under a Consent Order with the CFPB. Our Records indicate the check we mailed to you has not been cashed or deposited. '' After XXXX XXXX, 2017 they had to remit the funds to the CFPB and i would have to contact the CFPB in order to have a new check reissued. I contacted the CFPB on XX.XX.17 and they could not issues a new refund because Discovery Student Loans did not provide a 3rd party admin contact number to distribute the funds. 

As of right now I have no way of getting the check reissued until Discover provides the needed information.
I get a daily call from " XXXX '' letting me know that I am eligible for a zero % interest rate and I must accept the call in order to prevent my card from being cancelled. The number calling is XXXX
Robo calls asking for someone not me. As instructed I press XXXX to indicate I am not the person they want but the calls continue several times a week. They say to call XXXX XXXX at XXXX XXXX XXXX.
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX and Equifax Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX and Equifax Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX Equifax and XXXX still show it on my creditreport I want it off now.
On XX/XX/18 I was notified my credit score had changed and that a credit card was closed. Capital One closed my credit card due to inactivity but did not send me any notification that this was going to happen and is refusing to open the card again. I did not want this account to be closed as this was the first credit card I ever opened and established my credit history. With the closure of this card the length of my credit history was drastically reduced and lowered my credit score substantially. Capital One refused to let me speak to anyone other than a supervisor and refused to do anything to get the account open again. They told me they would never close an account without notifying the owner first however I was never notified. Their customer service was terrible and had no excuse for why they did not notify me of my account closure.
Agencies correectly report charge- off ( re disputed insurance claim ) XX/XX/XXXX Where they fail to comply with FCRA and other state and federal law is in showing activity on the account ( sometimes current or late payment, and or repetition of the charge- off info falsely showing as occuring in current month ) after the date of the charge- off NOTE : This is NOT a duplicate of previous CFPB complaints filed against the creditor, XXXX. This is also NOT an authorization for agencies to pursue this through their creditor dispute procedures. The agencies are specifically directed NOT to pursue this with the creditor. The dispute and complaint is NOT with the creditor, XXXX, but with the agencies- XXXX  , Equifax and XXXX XXXX .
I recently received a statement from Southwest Credit for an amount due of {$150.00}. The day after I received the letter, I sent them a letter stating that I dispute the validity of the debt in its entirety. I asked that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
On XXXX XXXX, 2016, I received an email from Google that my Wallet account had been suspended and ultimately closed for " suspicious activity ''. I tried on numerous on numerous occassions to find out what activity Google was referring to because I had no used the Wallet accont for a money transfer since XXXX XXXX, 2016. I hit brick wall after brick wall because I was constantly told referred to the Terms of Service which state that Google can close any account at anytime for any reason without notice. I find that to be awfully unfair since I have an Android phone, and I can no longer make any purchases through the Google Play store by billing it to my XXXX XXXX XXXX wireless account. This creates an unnecessary burden on me. It would seem that this violates the FCRA and Title! 2 of the UCC. Communication with the group that makes these decisions is nearly impossible because is only through email. This is hardly satisfying.
I am so displeased with this company care creditXXXX. Learned that care credit is not for everybody. Care credit has deceptive credit card marketing and sales. I have an active care credit account with this company. When signing up for the care credit, health care representative signing my mother and I up never explained about how care credit works nor told us about the reoccurring monthly interest that would be happening after promotional period had ended. My mother and I was not informed that care credit is in fact a credit card and never received our enrollment paperwork from this company when first signed up. The representatives told us this was the only option to pay for our expenses at the emergency XXXX hospital. Pressuring vulnerable, naive and helpless individuals at the time of need to sign up with care credit because it 's there only option is not right. The health care receptionist only relied on the pamphlets and did n't seem trained upon care credit procedures and policies. I have contacted Care credit on numerous occasions about this to only get no real help at all from customer service and management. 

Care credits late fee policy is flawed in many ways as well. Even when you send in a post dated payment with this company they will not go by post date, but whenever they choose to look at the mail will be the date posted to the account. This can be very misleading for clients when sending in payments because its not our fault that mail carrier methods can be delayed at times. I had to contact the company XXXX about this matter to only resolve the issue by the manager about the late fees occurred during those times that it was mailed before due date and was posted after due date to only receive a late fee without knowing. The managers waived those late fees that occurred and I have never been late since then. 

I have even did research on the credit card company Care CreditXXXX and I have found that my situation is happening all over and has happened to many in the past. Why do care credit keep doing this to there customers. I have also become a victim of care credit deceptive ways and poor trained staff upon enrollment process at the time. If I was to have known that this companies ethics was like this I would of avoided it at all cost. The way I have been bamboozled to borrow money from this company is not right. It 's a shame that I feel stuck with a company like this that has many deceptive ways. Why does most car loan companies only charge you a XXXX time interest fee upon your borrowed amount, but care credit choices to charge you over 25 % interest every reoccurring month ridiculous scheme.
I started working at a XXXX XX/XX/XXXX, and have been attempting to work toward Public Service Loan Forgiveness since then. After receiving incorrect advice for my first two years, I finally consolidated my loans through Federal Direct Loan Servicing, and started working toward making my 120 payments. In XX/XX/XXXX, I was trying to get ahead and actually make extra payments toward the principal. Users seem to be punished by trying to actually pay off debt through this program, as once I got ahead of my minimum monthly income-based repayment, they stopped counting my payments. The payments only register in their system if you pay the minimum and only the minimum. 

I have been submitting regular applications to PSLF each year to show that I am still working at a nonprofit. Even after doing this year after year, my statements only indicate that I have made 3 qualifying payments toward my largest loans. I have called numerous times asking them to correct this, and though they tell me they can, my statements still only reflect these XXXX payments. Most recently I called today, and was told that even though my most recent application was received XX/XX/XXXX, they still have n't gotten around to reviewing it and tracking my qualifying payments. 

Since the time I officially started with FedLoan Servicing, I have without fail made my monthly payments or more. By now I should have at least XXXX qualifying payments made toward my biggest consolidated loan. I 'm tired of calling and talking to various people ( who have different levels of knowledge ), and still not seeing any results. I have for a while felt like I have lost faith in this program, and wonder if I should be trying harder to simply pay back my loans. I fear getting to the end of a ten-year period and finding out that I will never qualify for loan forgiveness, and that in the end I will owe much more than if I were to have been paying it off little by little over that same period of time. 

I know CFPB is working very hard to try to make this system consistent and reliable, but I just do n't see the loan servicing industry coming through. Thank you for your hard work.
My mortgage loan is under Select Portfolio Services and has been under loan modification review with " complete package '' confirmation letter received by mail for a loan modification since XXXX XXXX, XXXX. In total, I 've received XXXX mailed letters confirming they 've received a " complete application '' for a loan modification evaluation back in XXXX XXXX, XXXX and XXXX XXXX, XXXX - but they ( SPS ) keep asking for clarification on subjects like " growth income '', " net income '' and payments dates that can be clearly seen by the earning income statements that have already been sent to XXXXXXXXXXXX. 
My mortgage is under foreclosure status since XXXX XXXX, XXXX and I may have a foreclosure day anytime. I believe Select Portfolio Services is stalling and purposely delaying the loan modification review to have a schedule foreclosure date on my mortgage, living little room for negotiation or further options if a loan modification full review is finally reached. 

On XXXX XXXX, XXXX I received another letter confirming they have received a " complete package '' for a loan modification evaluation and review - and, yet again, they keep asking for additional information. XXXX XXXX I clarified their questions verbally and sent an email XXXX XXXX to XXXXXXXXXXXX clarifying pay stubs growth income and net income which can easily be identified by any competent underwriter under loan modification review. 
In conclusion, I believe " unfair practices '' and " negligence '' is of presence in my mortgage account with SPS case. I can have a foreclosure schedule at anytime now and I am afraid Select Portfolio Services is using unfair practice tactics to foreclose on my account without a proper, complete HAMP evaluation which I qualify according to local bank underwriters'.I need assistance from federal authorities effective immediately due to this case malpractice and Select Portfolio Services history ( fines, lawsuits ) due to negligent practices with loan modifications.