WillisBack/dataset-financial-user-claim huggingface dataset:
I have faxed, mailed and called Equifax, XXXXXXXX XXXX, and XXXX off and on since XX/XX/XXXX with a Police report, Identity Theft Affidavit and written narratives until today XX/XX/XXXX when I was on the phone for 2 hours to get Equifax to delete, block or remove with my police report. Equifax urged me to contact you here as well as call the FTC at XXXX. Today they disputed again the three charge offs and the address that is on my credit report. I was the victim of Identity Theft make them delete those accounts now.
I was trying to help a friend bail out of jail. I was to talk with his mom and help take paperwork to bail bonds. He was frighten in jail and thought that he might get hurt. So I was trying to help when I got to XXXX 'XXXX XXXX   XXXX XXXX his mother did not show up to do paperwork I brought the money to bail him out but she was suppose to sign for him. I just met the guy when I was in court for a ticket. They told me he would not get out unless his mom was there. I said in well I did what I could. Then the guy told me if I gave him the money and my name he could get him out. I said are you sure he said yes. I said ok. The inmates name was XXXX XXXX date was XX/XX/2016. I would like for them to take this off my credit because never signed up to pay this myself. Please talk with them. Thank you XXXX XXXX. That's all the information that I have they wouldn't even talk with me. XXXX XXXX XXXX. XXXX XXXX XXXX {$4200.00}
Convergent outsourcing promised in writing to delete my deregetory item from my credit report upon settling a 50 % payment of what I owed XXXX. It 's been over 45 days and they just reported to XXXX bureau as paid for less than original amount owed. The other bureau still shows that I owe {$580.00}.
I did a bank wire transfer for {$2000.00} to XXXX XXXX on XXXX XXXX. My bank, XXXX XXXX has informed me the wire transfer has gone through, but now 5 business days later there is NO sign of the funds in my account. 
I have filed a formal submittal to XXXX XXXX ( case # XXXX ) on XXXX XXXX. 
I got an automated e mail back, but absolutely no action over the past 2 1/2 days. 
I 'm very concerned that my {$2000.00} is lost and I can not get any response from Coinbase ( called the XXXX number, held for about 30 minutes ). 

Please help, Thank you
This is not my account! Fraud is going on wth this account and I can clearly see that I never authorized to do business with XXXX XXXX. Account shows XXXX XXXX, 2012 Amount = XXXX
Bank of America placed my checking account in their account closure department and is holding my direct deposit from my employer. Each day that I call them there is a different timeline on when I will receive my funds. The risk department account team is rude, talk very fast and constantly change their responses depending on what questions may be asked. The responses and timelines are inconsistent depending on their mood and the day you call. They sound extremely stressed out. Yesterday, I was told to call back after my account and direct deposit were processed. Today I was told 2-3 business days I may be able to go into a branch and receive my funds. The key word is may. Bank of America will not set a definite date. Otherwise I can wait until after the account receives a closure date. and wait an additional 15 days to receive a cashiers check in the mail. On Friday - 4 business days ago I was told by customer service - good luck to you. Once the account is placed into the account closure department apparently it is up for review to receive an acutual account closure date. I would not recommend doing business with Bank of America. They are holding my direct deposit from my employers funds until further notice. When I asked if today, the day my request for my funds was made official on their end is 2-3 business days the representative quickly said, today does not count for a business day since the request was just made. She then Quickly threatened me and said do you want me to submit this request or would you prefer to wait and receive a cashiers check in 15 days after the account closure? I have never been treated so poorly by a company. I am hoping the CFPB can help me resolve this issue. Bank of Americas process of closing accounts is unfair and accounts that have large sums of money ( over XXXX ) should be handled differently.
In 2001 my school closed 3 months into a 9 month program. They failed to provide proper required info to the state of Oregon. The loan was through XXXX XXXX and paid full tuition to the school ( XXXX XXXX XXXX ) up front plus 9mos of a cost of living stipend. OR repaid XXXX XXXX {$6000.00} through their tuition protection program but XXXX XXXX ( now Navient ) still holds me responsible for the remaining money including the 6mos of stipend that I never received. OR has inaccurate dates of the school closing resulting in Navient insisting that I received the education that was paid for.
On XX/XX/XXXX, I send a request to XXXX and Experian to investigate errors on my credit report. By law, I should have gotten a response by XX/XX/XXXX. I did not. I have not yet received my investigation results. Last week, I even sent a follow-up letter to both. The follow-up letter has also gone unanswered.
I have filed lawsuits against XXXX and Equifax. A s a result, these credit bureaus will not supply the required annual report for unknown reasons.
XXXX XXXX XXXX XXXX Has a medical bill of mine from XXXX XXXX XXXX XXXX . I owe this debt and Im making payments. The problem I have is they have added my spouse XXXX XXXX  to this medical bill advising they are reserving their state rights to add spouses to medical bills. This is unfair as my husband has not had medical services with XXXX XXXX XXXX XXXX and is not legally responsible for this debt. I am the medical guarantor of this bill and its my personal medical insurance that has taken care of portions of this bill. Ive asked that he be removed and they advise they will not.
I was trying to get service from XXXX XXXX but when they ran my credit check ( I have a credit score & gt ; XXXX ), Equifax said that they could not verify my identity. When I went to all XXXX credit agencies to obtain my credit report, I was able to do so at XXXX and XXXX but not at Equifax. The Equifax website again said that they could not verify my identity (!!! ). Now I have to send in XXXX forms of identification by mail to get them to review and correct the problem. Meanwhile, the promotion for XXXX is going off and I will end up paying XXXX of $ $ $ more because of Equifax 's mistake. This is not fair and it should not be legal. Equifax should have to pay for their mistake, not me!
XXXX XXXX is sending/ selling a debt that I do not owe. This collection company did not contact me before placing this debt on my credit reports. I have proof that I do not owe this debt since XXXX XXXX sent me a refund check in the amount of {$93.00} to my current address. This collection company failed the process this attempt to retrieve this debt without notifying me and the collection agency can not say it did not have my current info if the company they purchased the assumed " debt '' had my current address and sent a refund check in the amount listed above.
On Thursday, XX/XX/2018, I spoke with Navient regarding my private student loans in an attempt to inquire about extending the military deferment due to inability to make payments as a bill of {$1200.00} is showing due on XX/XX/XXXX. I am currently serving on XXXX XXXX and have a total of XXXX years and XXXX  months of XXXX XXXX XXXX. I was informed by a representative that I was no longer eligible for the deferment and the terms of the military deferment have changed where being on XXXX XXXX was not enough to qualify for the deferment.

On Friday, XX/XX/2018, I called Navient again to follow-up regarding this issue and to discuss payment options. I spoke with the representative who informed me that the terms for the deferment were updated in XXXX based on guidance from the Department of Education. Per the representative, Navient updated their terms in XXXX as well. She informed me that all Service Members who had the military deferment applied to their account were not notified and the Service Member would only be informed if they called Navient to renew the deferment. The representative told me that it wasn't prudent for them to inform the borrower and their stance was to allow the Service Member stay in deferment until expiration. Upon expiration, the Service Member would contact Navient to renew and then Navient would inform the borrower of the change in eligibility for the military deferment.

The representative reviewed my account and the military deferment expired in late XXXX, which was less than three weeks away from the payment due date where I have to manage to pay {$1200.00} in less than 10 days in order to keep my account current. I asked about repayment plans and she sent me to the private collection department where it was discussed that I can extend the terms my loans to 30 years with a variable interest rate. Once I agreed to these terms, I would be locked into this for the life of the loans with no other repayment options.

Navient 's lack of notification to the borrower is egregious. Their poor mismanagement does a complete disservice to their customers especially to the military members who are unfortunately borrowers. If they were changing the terms and options for military members, that should have clearly been communicated so the borrower would have more than enough time to devise a financial strategy and plan in preparation for the repayment. We work hard and take great pride in serving in this great country and now we have more added stress to include the financial burden with no additional repayment options to make this easier.
It was not stated which states this was not allowed in and what states capped the finance rate. 700 % is outrageous.
I have tried multiple times to get my brother taken off as cosigner for my loan. I make XXXX a year and have not made late payments in awhile, and was basically berated when I told them I could n't afford payments in the past ( right after I left college ). I have submitted the forms multiple times to remove my brother as cosigner, including getting my official and unofficial transcripts, and very thoroughly filling out the forms. I 'm sick of being jerked around by Navient and been treated like a child by their customer service.
I applied for a loan with spring lead financial and borrowed XXXX they are including interest to the bureau that shows a balance of XXXX. No other credit company has even reported or included interest to a bureau. It 's not fair. It 's not accurate and it damages u when applying for a loan because the debt to loan income is not accurate which results n a denial from whom ur asking credit for. I have disputed this with bureaus and also they personal they reporting it 's correct well it 's not. I also have a loan with XXXX and few other XXXX they do n't include adding interest to a credit bureau .and the amt they said is correct on bureau do n't even match they automatic recording when u call. It 'd XXXX less than bureau reporting
I already issued a complaint. The case # was  XXXX . You did n't do anything to help resolve this as the lender 's response did not address the issues. I am issuing another complaint hoping this time you do something about it. All you did was forward my comp laint to Ditech. How inefficient is that. What did you do to understand the problem and identify the resolution? Absolutely nothing. Maybe this time you can get it right.
I initiated my fraud claim regarding account XXXX since 2011 with complete criminal fraud police report and supporting documents, those proofs that the affidavit took place supporting my position. However, Chase was never to respond in writing, was damaged my financial reputation. I had to requested re-initiated my fraud claim and requested Chase response with writing about the investigation status. Again, Chase did n't provide any written notice when they received my re-initiated claim requests in written over 30 days. I tried to contact with the investigator and cardmember service, they info me that their system did n't show updating status over phone. I have to spend over a hour to repeat my claim with different representative, however they did n't provide any status update. The investigator did n't reply my call since she received my additional supporting documents those proofs that I were identity victim.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear in your credit file. The credit bureau has not updated this information and per the new law the debts listed do not include this information and should be deleted from my credit report.
A lawsuit was filed against  XXXX   XXXX   XXXX   XXXX  now known as  XXXX   Bank File  number  XXXX  for deceptive and discriminatory credit card practices and now Midland Funding LLC is using deceptive tactics to collect debts. This is not a debt that I owe. Why is this still showing on my credit bureaus?     Collection Agenc y MIDLAND FUND Original Creditor   XXXX   XXXX   XXXX   XXXX   XXXX  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed Date --  Responsibility Individual Balance {$990.00} High Balance {$990.00} Last R eported  XXXX   XXXX ,  XXXX  Remarks Account information disputed by consumer, meets FCRA requirements Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it 's going to stay on your credit report, but info has been updated to reflect recent activity.     Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data.   The terms are incorrect.
This account does not belong to me. I reside in XXXX and it stating this account was for gas services in XXXX XXXX XXXX. I disputed this with XXXX and Equifax and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.
My wife and I were separated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX. The original mortgage holder, ( interest only mortgage ) until XX/XX/XXXX, had modified my mortgage by allowing a lower interest rate ( from 6 % to 4 % ) resulting in lowering the monthly payments by {$1000.00} per month. 
XX/XX/XXXX, Capital One took over the mortgage and defaulted the interest rate back to the original high rate ( 6 % ) which increased the payments by $ XXXX/mo. Since my financial conditions had not changed, I asked for reconsideration. On XX/XX/XXXX, after six months of providing various documents and being in constant communication with the Capital One account manager, I was offered a loan modification that was supposed to help me. However, after going through the trial period ( which I paid on time ), I was offered a plan that was approximately $ XXXX/mo more than the ING amount. Naturally, the higher payment could not be met since it was even higher than the defaulted rate I was requesting a reprieve from. I had no choice but to reject the offer. I also continued making the full payments for XX/XX/XXXX and XX/XX/XXXX. However, in XX/XX/XXXX Capital one sent me a notice for foreclosure.
I am applying for a cash back business credit card with XXXX. I had a block on my credit & XXXX could not execute issuing a card to me. When I contacted TransUnion to lift the block, they sent a report to me. The only Adverse Account on the report was XXXX reported a balance of {$78.00} In Collection, updated XXXX/XXXX/XXXX. I called XXXX. The Billing Dept had no record of this. How do I get this removed from my report? I have not ever received notification from XXXX of this issue.
In XXXX 2015 I began disputing an inquiry from a company called XXXX XXXX on my experian credit report. I sent 2 letters to XXXX advising them that there was no need to pull my credit as such this inquiry they report to Experian was unauthorized. I also sent 2 letters to Experian regarding this and they have done absolutely nothing about this. I demand they remove this unauthorized inquiry off my credit report immediately. I am enclosing copies of letters I sent to both experian and XXXX with certified receipts as proof they received me correspondence.
they deleted it now it back on this was never my account identity theft, fraud ExperianXXXX XXXX XXXX XXXX, TX XXXX XXXXAccount numberXXXXRecent balance {$720.00} as of XXXX/XXXX/2015
I never applied for credit with Pay Pal. I saw that Pay Pal pulled my credit without my authorization. I asked for the credit application and they said I did apply and they decided not to approve my application and they could not tell me why. I have over $ 60k available credit and a XXXX credit score so if I did apply for the credit from Pay Pal why did they not approve me unless the application didnt have my correct information. Please expunge from the credit reports as I did not authorize Pay Pal to pull my credit
My newly former manager has been contacting customers for loans XXXX and XXXX without a license and has been doing so since as early as XXXX/XXXX/2016 when he took over as branch manager. There are XXXX mortgage originators licensed XXXX in that office and XXXX in PA but not the branch manager. He has violated XXXX rules since he arrived 7 months ago.
I spoke to XXXX in the re-entry team on XXXX XXXX and he advised Wells Fargo will not open a modification review because it is 3 years past due with a previous modification review decision. The home owner has had a change in circumstances. The previous review was denied with a monthly gross income of {$2600.00}. The income has increased to a gross amount of {$3300.00}. This makes the homeowners debt to income ratio 34 % and a monthly surplus of {$350.00}. This homeowner has never been modified and can now afford her monthly payment. There is a foreclosure sale date of XXXX/XXXX/16 and needs a proper modification review.
Hello, My student loans were purchased by the loaner servicer called ACS Education Services, then soon after they changed their name to Conduent. I have been trying repeatedly to make my loan payment but their website says it it temporarily unavailable and has been like this for a week and their phone number is out of service. I have never missed a payment or been late in almost 17 years. Now I can not make my payment because I can not get in touch with the ACS/Conduent company that is supposed to be my loan servicer. Online there are thousands of people with this same problem. Please help resolve this situation before my and many other peoples credit scores are damaged through the incompetence of this company. Thank you, XXXX XXXX
An account from XXXX from 2006 that was included in a bankruptcy filing is still showing as a delinquent/late paying account in my Equifax file. 
I have submitted the dispute to all XXXX credit reporting agencies. XXXX and XXXX have deleted the account from their records. Equifax has yet to do so. I need your help in getting this resolved.
I have contacted all three credit bureaus multiple times XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX regarding XXXX hard Inquiries and XXXX car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, Equifax, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.
A few months ago I signed up with Transunion for what was represented as service for credit monitoring and credit score tracking. It was promoted as costing {$1.00}. Subsequently I learned that there was a monthly charge of {$17.00}. I became aware of the charge in the last two months but it has been billed to my card for the last 5 months, according to TransUnion. On XXXX XXXX, 2015, I called and cancelled the service. When I was waiting to speak with a supervisor about getting a refund on charges billed, Transunion ended the call. 
I believe TransUnion is engaging in an unfair, deceptive, and possibly abusive practice. I do not recall seeing any disclosures about the monthly charge. I would not have signed up if I understood there were any charges besides the {$1.00} fee - even after a trial period. I am asking for the CFPB to help get my money back and to get Transunion to stop this practice.
Approximately, at the beginning of XX/XX/XXXX I attempted to obtain an annual credit report from Equifax. Equifax did not have suitable information to provide my report and this information was conveyed to me via letter. Said letter is dated XX/XX/XXXX This same letter is addressed with an apt XXXX number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents. This letter is addressed with a unit number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX XX/XX/XXXX. Equifax demands I provide documents proving I reside within a Unit rather than an Apt XXXX Equifax has sent me a letter at the same address with both Unit and Apt XXXX designation for my apartment number. Evidently, Equifax knows more about my abode than I do, yet will still not provide me with access to my credit report as required by law. XXXX, XXXX and XXXX have all provided me with my credit report to an address with an Apt XXXX designation. This complaint is the second complaint I have filed with the CFPB about the same subject matter. Please see attached documents from Equifax, XXXX, XXXX and XXXX mailing correspondence to an Apt XXXX designation. Yet again Equifax has skirted compliance with federal law.
For my new XXXX the Payment date XXXX fell on weekend and they will not let you make a payment on that date it defaults to the next business day. I paid on the XXXX before my due date and still today on the XXXX my account is showing past due. Its not even reflecting online. My payment only shows scheduled for today when I made it on the XXXX. Then it says allow 2-3 business days for it to show up.
I was told by a Kay Jewelers employee that they have an account that I can order that is " not a credit card and will not affect anything having to do with credit rating agencies. '' I was told that " the credit check is independent of the agencies and will not be shown as an attempt to obtain a line of credit or a credit card. '' I was also told that I will receive XXXX % off my purchase. I did n't receive XXXX % off, was left waiting for 30 min as they approved the card, and was then promptly charged interest on the card. Furthermore, I found out that this card was issued by obtaining a credit report, which I did NOT authorize. When I closed the account, I received a letter stating that the credit agencies will be notified of the closing of the account. This is completely unacceptable as I was misled on several levels.