WillisBack/dataset-financial-user-claim huggingface dataset:
Synchrony Bank mails customers statements of certificates of deposits ( CD ) balances and interest credited once a month. Bank credits interest monthly by individual CD date, but provides only a single statement for all CD 's in the customer 's name once a month. For CD 's with interest credit dates after the current month statement date, customers have to wait for the next month 's statement to verify the interest earned in the prior month. 

This reporting method results in a disconnected process and burdens the customer with extra work to reconcile accounts. The current system is new. The prior system handled the different CD interest credit dates so that the monthly statement showed interest credited through the statement date for all CD 's. 

This problem has been confirmed with the bank. Their answer is that this is the way the system works. The purpose of submitting this complaint is to raise awareness for the bank to take corrective action.
There 's a XXXX XXXX account on my Transition file that does n't belong to me. I 've been trying to get rid of for years. Additionally, I got an alert some recent credit inquiries were made without my permission. When I tried to submit my dispute on an account and inquiries and got this message : Request Failed Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. The dispute request you sent us via the TransUnion online dispute feature will require manual processing. 
Dispute Resolution Steps REPORT DATE XXXX/2017 NAME XXXX XXXX XXXX ADDRESS XXXX XXXX, XXXX XXXX What will happen next? 
If you have any documentation to support your dispute claim, you may provide the information to us via mail at XXXX XXXX XXXX XXXX XXXX XXXX. Please remember to include your File Identification Number on all correspondence to TransUnion. 
We will investigate your dispute and return our response via U.S. postal mail. Internet delivery of the dispute resolution is not available for this request. 
If you have any additional questions or concerns, please contact TransUnion at the address shown below to check the status of your dispute. 
TransUnion Consumer Relations XXXXXXXX XXXX When contacting our office, please provide your current file number XXXX.
american express keeps calling from like XXXX and claiming to send police to my house to take me to jail was very vulgar language to address i owe this company more money than i even could pay for. or even could get credit for.
Please delete Accounts information with missed payments on XX/XX/2014.  Data in the system are not valid, then I had Tax id number only, now I have SS number My social seciurity number XXXX. 

old information destroys my credit score, please delete this information
There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Dear CFPB, I am a Veteran and I have filed a complaint that requires me to send documents explaining the case to the veteran 's military division of the CFPB, but I ca n't find the address for military complaints, I have 140 pages of evidence and statements, and I am worried that my complaint did not go to the military division. Please provide me a paper mail address at XXXX///the Complaint number is XXXX. Currently Carrington Collection Agency who is impersonating mortgage servicers is using the 60 day continuation they asked for to commit additional debt collector harassment. I will attemp to attach some documents.
I dialed XXXX by accident instead of XXXX. I thought I was calling Experian. I gave them my name and phone number before I realized something was fishy. They were trying to sell a credit protection plan across the XXXX credit reporting agencies. The man said he was XXXX XXXX and his direct number is XXXX XXXX. I do n't think I provided any other information, but now I am nervous.
I've requested a mortgage modification and submitted financials several times because of being laid off from several employers. My mortgage company Freedom mortgage has been unwilling to work with me and process my modification request. I recently secured full time employment.and I want to keep my home. The state of Tennessee requires the homeowner receive a 30 day notice prior to the property foreclosure sale per the Tennessee law. The letter from the attorney is dated XX/XX/2018 and I received the correspondence XXXX XXXX.
The company ( Ally XXXX ) contacted me in regards to an auto loan I had with them. I explained to the representative that I had made payment arrangements, and I had sent {$1000.00} to them via XXXX XXXX, and I would get the rest to them no later than XXXX because of a family emergency. The representative ( XXXX XXXX ) then used abusive language towards me and threatened my credit rating. As a veteran who has put his life on the line for his country, I feel that I should not have to put up with such dispicable behavior.
MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED
1. I  have had this problem several times in the past. Today,  XXXX / XXXX / 17  I received an email I had a message fro m Fedloan. I logged into my Fedloan account to see what the message is and see that my accounts are now in Administrative Forbearance. I did not ask for any Forbearance and I am furious I am in a Forbearance. Fedloan did this to me 60 days ago and it took 8 calls to get the forbearance removed. I am on an  IBR and do not need a Forbearance or a Deferment at any time.      2. Fedloan removed my employment history applied towards the FSLP to add a Forbearance in   XXXX   2017 . This was wrong! I NEVER asked for the Forbearance that was added and removed back in  XXXX , aft er 8 phone c alls. When this Forbearance was removed, they never added back my months towards the FSLP. I resent in the proof of employment forms hoping the months would be added back, but instead got another forbearance!!     Please audi t Fedloan. T hey are making big mistakes on accounts and not fixing it.
I wrote a validation and verification letter to XXXX XXXX as well as to XXXX, Equifax, and XXXX   about the account. The account was charged off and XXXX XXXX sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX  has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve
On XX/XX/XXXX I have three charges on my credit card which at the time ended in XXXX, for {$130.00} each. I did not notice that this charge fraudulently appeared 3 times. I ordered a product in a presale from XXXX XXXX, which ending up stealing the funds from thousands of people. In XX/XX/XXXX they notified everyone that they were not going to be able to ship their product. ( This was the second fraud, after charging my card 3 times instead of 1 time. 

I contacted CHASE Bank and they told me that there was nothing I could do since I could only dispute transactions for the last 3 statements. There was a XXXX page started for all purchasers of XXXX who had their funds stolen to give people information on how to get their funds back due to fraud. EVERY few days since XXXX there are people posting on the site about how their credit card company ( INCLUDING CHASE ) refunded the amounts since they accepted the charges of this fraud. The charges appear on my Card as " XXXX ''. All the posters say that the 3 statement limits did not apply since the delivery date was in the future and the company never delivered or returned anyones funds. THE TIME PERIOD SHOULD RUN FROM THE DATE OF NOTIFICATION WHICH WAS XX/XX/XXXX. I have tried 3 times over the last few months to dispute these charges to no avail, yet I see today, that there is another Chase Cardholder whom successfully disputed their charge along with testimonials from many people receiving their funds from many credit card companies due to the fraud. I feel i should be entitled to a credit of the {$400.00} fraudulently charged to my card. ( 3 charges of {$130.00} )
I was a victim of fraud and received over XXXX hard inquiries on my TransUnion Report. I called to dispute and nothing has been done about it. I cant even get a card because of all these inquiries that were not made by me. And also there are accounts in my name that are not mine.
fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX XXXXXXXX XXXX on XXXX
My credit monitoring service reported that Allied Collection Services of XXXX XXXX reported an account to the credit bureaus. Allied Collection is in clear violation of the FCRA and the FDCPA. No prior notice of this alleged debt was ever provided. When I contacted them by phone for an explanation, they refused to provide any assistance and disconnected the call without explanation. I dispute any purported debt in its entirety. 

XXXX XXXX
I applied for deferment on XXXX/XXXX/XXXX due to financial troubles. It was approved on the XXXX - My deferment is good for XXXX - XXXX. They attempted payment and caused my account to become overdrawn. The payment kicked back along with an extra {$36.00} NSF fee. Today XXXX/XXXX/XXXX they attempted payment again. This has caused a XXXX dollar charge to turn into an {$120.00} debt that I was unable to pay in the place - hence the deferment.Tried to contact Navient and all numbers are busy with no response. 
I feel cheated because I filed the proper paperwork to defer and there is literally no number to call and correct the situation.
I am co-buyer on a vehicle for my niece which does n't communicate with me anymore. I feel threaten by Ford Credit to jeopardized my credit due to my niece not paying. I have spoken to several different service reps at ford credit. I asked if they could contact my niece to find out if shes going to pay. I also asked if they could locate vehicle because I believe she has no intentions of paying.If I have to pay than I need vehicle in my possession. How do I handle this situation?
I am being overcharged by my bank for overdraft fees. Key Bank is the culprit. Unfortunately over the past year I've had several occurances of overdraft fees some where my fault while others where not. This month on XX/XX/XXXX I had XXXX paid for my phone bill which caused an overdraft fee of XXXX XXXX Then today XX/XX/XXXX I had another bill come out for XXXX and was charged not only another overdraft fee if XXXX $ plus a fee of XXXX $ for a recurring overdraft. That's XXXX $ in fees on bills totalling XXXX $!! These fees are not only predatory and excessive but should be illegal. If these fees are allowed by current banking regulations this has to stop! Seven months ago in XXXX I was charged XXXX $ for an XXXX cents overdraft! My bank has the discretion to either pay these bills or not. When they know my direct deposit history they know they'll get their money.
On XX/XX/XXXX and after I have been unable to get my credit report and score from EQUIFAX. XXXX XXXX, XXXX and XXXX XXXX were all unable to pull my EQUIFAX report and score. I found this odd as it was working on the XXXX and before. I was pulling the report to see if an account had been update when I noticed the issue with my EQUIAX report. 

When I called EQUIFAX directly I was originally told there was an issue with their computer system over the weekend and to call back or try the next day. The agent also tried to pull my report on his end and was unable. The next day I called again and was told after reaching a US rep that it may be because I had a fraud alert on my file. The alert was 10 years old and I had never had an issue getting my report or score with it on there. The agent reached out to the backend people and had the alert removed after verifying my info. She told me that was more than likely the issue and to try in 15 minutes or the next day. The next day I tried again and still there were errors with pulling the report. I tried again through XXXX, XXXX XXXX and Equifax directly. I was getting multiple error codes ( Eval Code : - Status Code : FL, Reason Code : TF ) but was being told there was still nothing in my file that would prevent anyone from pulling my report. The agent said he could see my report and could mail me a copy. The call ended with him telling me there was nothing wrong with my file even though I was getting errors from EQUIFAX directly since that is who I was working with. 

We are roughly 3 months from finishing a home build and really needed to be able to access my credit report to see where my report was so there would be no surprises. The lack of care or effort for a company like EQUIFAX to fix this when its such an important part of someones life is completely unacceptable for a company to do and is borderline criminal in the neglect they have for such information. I need EQUIFAX to actually fix and acknowledge the issue instead of passing me off to a different department and claiming there is not an issue. This as of now will prevent me from obtaining the home loan we need until the issue is fixed.
This person, XXXX XXXX XXXX, is using my address to apply for XXXX XXXX Credit Card and Costco Anywhere Visa Card by City. It 's the fourth time that is happening.
I was frauded against and when I filed a claim at the CHASE bank after telling them to lock my account while it was happening was denied claims and they left me with {$2500.00} debt and interest your claims against them : XXXX regarding this in anyway? can you help me recover from hardships of error injury and health concern as well?
Due to my divorce agreement, my ex-wife was court ordered to pay the mortgage and all carrying charges ( I have documents ) until the children were emancipated and the house was sold. She stopped paying the mortgage and I was never informed. They have been reporting this to the credit agencies and it 's affecting my credit rating.
I have notified Equifax numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated Equifax on this account. It needs to be removed from my credit profile. 

XXXX Account Number : XXXX
I disputed with Experian about an account with XXXX # XXXX and they claimed they verified it, This acccount does not belong to me!!
I have XXXX private student loans with XXXX, now known as Navient. I defaulted on the loans, and they were charged-off. However, I went into an agreed upon repayment plan of {$100.00} per month. Nonetheless, XXXX/Navient reporting that I was not making payments and continuously made debt collections calls. Last year, on XX/XX/2015, I accepted Navient 's settlement offer of {$10000.00}. My private loan balance at the time was {$25000.00}. I paid {$5000.00} on XX/XX/2015, and the remaining {$5000.00} was to be in monthly payments of {$410.00} to automatically debited from my checking account. I have completed all payments, and now they are saying I did n't have a settlement offer in their records, and the loans are defaulted and charged-off. The balance is now over {$16000.00}. 
Resolution : To mark XXXX private loans as settled in full ; clear their online account summary as settled in full with XXXX balance.
FORECLOSURE FRAUD against our HOME!!! PLEASE HELP!!! 
... .QUALITY Loan Service Corp XXXX the subject of CFPB Case File # XXXX - complaint against FORGED Foreclosure Instruments that led to the recordation of Notice of Default on XX/XX/2015 ... with a DEFAULTED Debt Validation Request dated XX/XX/2015 respecting the alleged debt on the Notice of DEFAULT.. 
NOW RECORDS a TRUSTEE SALE on XX/XX/2015.. -- -FORGED INSTRUMENTS, and ALLEGED DEBT that they FAILED to Validate pursuant to Federal and State Statutes. 
Snapshot of unlawfully recorded Notice of Trustee Sale, that is hinged upon a Notice of Default without legal or factual foundation : Document # XXXX XXXX/XXXX/2015 XXXX NOTICE TRUSTEE SALE XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2015 XXXX NOTICE OF DEFAULT XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX )
I was told by at least three XXXX XXXX representives that XXXX XXXX would be deleted from my credit reprts. I never applied for a XXXX XXXX credit card or received in items nor ordered any items from XXXX XXXX. Three XXXX XXXX representive told me it would be deleted from my credit reports. I disputed with the three credit Bureaus and the only one who deleted XXXX XXXX I need Equifax and XXXX to delete from my credit reports
On XXXX XXXX XXXX, I took out a online payday loan with XXXX XXXX, XXXX for {$1000.00}. I began repayment on XXXX XXXX, XXXX. Over the course of XXXX months, I made payments to XXXX, XXXX in the amount of {$2700.00} - all from my bank account in XXXX, which I retained despite moving to XXXX. As of XXXX XXXX, XXXX, XXXX, XXXX is reporting this account as " Charged off as bad debt|Purchased by another lender '' and it is listed and " Derogatory '' and a " Collection / Charge-Off '' on my Transunion report . XXXX XXXX, XXXX is not legally permitted to conduct business in XXXX or XXXX, because they do not follow the state lending laws for payday loans.
On XXXX XXXX, 2017, I received notice from a credit monitoring service that a collection had been added to my credit reports. I was completely unaware of the alleged debt that they claim was originally owed to XXXX XXXX XXXX XXXX. The amounts they claim I owe are {$59.00}, {$61.00} and {$1400.00} respectively. 

I never received ANY communication from them Commonwealth Financial Systems by phone or in writing stating that I owed this debt. They just " parked '' this debt on my credit reports probably hoping I would respond I thought I had to be given the opportunity to respond BEFORE they report it to the credit bureaus. I have never had ANY CONTACT WHATSOEVER with this company. 

Parking an old debt on my credit reports while being less than truthful regarding how they acquired the debt and not giving me the opportunity to research and respond BEFORE they report it to credit bureaus is at best a bad business practice and at worst a violation of my rights under the FCRA and/or the FDCPA. 

I did send a dispute letter to the credit bureaus ( attached ) disputing that I owe this debt.
I purchased a perfume using my XXXX credit card online which is offered through XXXX XXXX. I returned the item prior to the company making purchases final sale. I called XXXX to inquire on the status of the credit, they said they had no information to call XXXX that all credits had been issued. XXXX kept harassing me to make a minimum payment even though I didnt have the item and the status showed it had been received by the XXXX returns department. I paid them {$40.00} to stop the calls which I shouldnt have even done because Im paying for an item I dont have. XXXX  has yet to resolve the issue and emailed me yet another statement saying I owe {$130.00} which includes late fees because I wasnt aware I had a balance. At this point the account has been closed because XXXX is going out of business and XXXX  continues to charge me when they should be sending me a {$40.00} refund and stop collection on the account because theyre ruining my credit.
On Friday, XXXX XXXX, I recieved a phone call from a company called XXXX XXXX, XXXX XXXX from XXXX XXXX proceeded to tell me that my husband and I owed over {$5000.00} on a payday loan account from Castle Payday that was originally {$600.00}. 
I asked him to send us a letter for verification and the right to dispute and he told me that his client does not work that way, that I would need to call or go online to verify the information with Castle Payday. In the same conversation, I told him 2 times, my husband is not allowed to receive personal business phone calls at his office and cell phone that is issued by his employer. 
This morning, XXXX XXXX, 2015, he called both work numbers for XXXX, my husband. My husband proceeded to tell him he is not to call either of those numbers again. 
When XXXX asked for the same information in writing, XXXX XXXX told XXXX he sent it 45 days ago?? He told me when I spoke to him on Friday that I would have to do the verification by calling the creditor because they dont send out the letters in writing. Which is statement is true?? 
This company has violated our rights in multiple ways and conitnues to call but we have no notice of our right to dispute in writing. I have given XXXX XXXX the appropriate phone number and mailing address to use in order to contact us.
They show that I paid late but it was actually as a result of their late fee which I was never informed. They never attempted to contact me either. I have tried through all three credit reporting agencies and also directly though Synchrony Bank who refuses to rectify the problem.
HARD INQUIRY __________________________________________________________________ XX/XX/2017 - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM EQUIFAX AND XXXX   XXXX XX/XX/2017 - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM EQUIFAX
On XX/XX/2016 I opened an account with Wells Fargo. In XXXX I received a statement reflecting a " past due '' amount which was double the monthly payment. I contacted Wells Fargo and advised them that I never received the first statement and that was the reason why I did not make the payment. Wells Fargo removed the late fee and I made the payment ( two months ). Approximately two years later I received a copy of my credit report and noticed that Wells Fargo reported a " Late Payment '' for the XX/XX/2016 payment. I filed a complaint through XXXX  and requested that Wells Fargo remove the " derogatory '' entry made with the credit bureau, they declined. I filed a complaint directly with Wells Fargo, they declined as well. In XXXX of this year, I applied for a mortgage loan and my credit score was significantly affected. I contacted Wells Fargo once again and filed a complaint with their " investigative unit '' and they also declined my request. Wells Fargo has negatively affected my credit and has reported a false " late payment '' which has caused me to face a higher interest rate in a home purchase which will close in 45 days. Wells Fargo has no proof that I received the statement, nor can they prove that I refused to make that payment. 

XXXX XXXX. 
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