WillisBack/dataset-financial-user-claim huggingface dataset:
I wanted to get a free copy of my credit report online via the XXXX site. I went online and chose TransUnion as the company from whom I wanted the report. During the identity verification process, one of the questions was structured as follows : Which of these people lives in or owns property in Texas? 
a ) Unfamiliar name ... 
b ) Unfamiliar name with surname same as mine ... 
c ) Unfamiliar name ... 
d ) Unfamiliar name ... 
e ) None of the above. 

Now, Texas is a big state. While I don't personally know that any of these people live in or reside in Texas, I'd be willing to bet that somebody with each of those names lives there and/or owns property there. So, I can't choose any of the names provided because I don't know for sure, and I also can't correctly or truthfully choose " none of the above, '' because it's likely that one or more people with those names DO live/own property in Texas. 

There was another similar question which I don't remember. After being denied my credit report, I called TransUnion and complained about the format of these questions, i.e. that they can not be accurately and truthfully answered as written. The TransUnion people were unhelpful, insisting that the questions are generated by " the system '' and that the correct answer would be " none of the above '' because " obviously none of the other choices apply to you. '' I don't think that's good enough. Because of the poor wording of the questions, I was denied an online copy of my own credit information, and now must wait for a copy in the mail, an inconvenience for me. I assume there are others in the same boat. 

Moreover, I feel strongly that for something as important as an identity verification for a credit report, sloppy wording of questions should not be allowed. A person should not have to " fudge '' their answer just to get a copy of their own information. What other sloppiness exists over at TransUnion? There have been many stories in the news about poor handling of consumer data. This type of question, and the HelpLine employees ' tone-deaf response, only reinforce the notion that the credit reporting companies don't really care about protecting the data of the consumers whose information they collect and mine for profit. Aren't there minimum standards for handling of consumer data? 

Thank you for your attention to my complaint.
XXXX XXXX XXXX This account : 1. Was opened XX/XX/2015 2. Was closed in XX/XX/2015 XXXX. Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance 4. Is missing its balance history for the duration of the time the account had been open 5. Is missing Payment Data for the duration of the time the account had been open 6. Has erroneous comments added - to this and almost all of my accounts.
My original loan servicer Aurora XXXX settle their wrongful behavior and the damage to families had been done. My current Mortgage servicer, NationStar has increased my interest rate to 4 %. My loan modification says my payment should be about {$2900.00}. It is more like {$3900.00}, which is back to why I needed the modification.
My credit card company failed to make a payment on my due balance, even when they had my auto-pay information. I changed bank accounts but the thwy used the wrong account, My credit score dropped 150 points and I'm trying buy a home. Capitol One refuses to anything about the mistake I attached the statement of the " missed payment ''. 

I never received a single call letting me know of this change in account status.
I tried to pay the loan off online on Monday, XX/XX/XXXX and the system would n't allow it as the total amount the system would allow me to pay online was {$1100.00}, but my loan balance was {$1200.00}. Called on XX/XX/XXXX at XXXX pm to pay off my balance to be told that they had already processed my 1st ACH payment on the loan ( which was n't due until XX/XX/XXXX ) for {$220.00} and they could n't give me a balance to pay due to the early ACH. I asked to speak to a supervisor, who told me the same thing. I will now be charged the {$220.00} on top of the nearly total balance as this payment goes almost totally to and fees. I was expressly told that I would be able to pay the loan off early, and in this case, I tried to pay the loan off before my 1st payment was supposed to be deducted. Completely unethical behavior.
I receive harassing phone calls from Nicholas Financials XXXX XXXX, NC branch. I have received today alone 10 calls from XXXX between the hours of XXXX and XXXX regarding my car note being 30 days past due. This is absolutely insane. The employee 's call but do not leave a voicemail.
Went to a local auto sales lot and picked out a car and applied for a auto loan through their website. Loan vendor is Lendmark Financial Service located in XXXX, MD. Asked for $ XXXX. Was approved for the full amount at an ridiculous rate of 21.99 APR. I have good credit, great work history and well above avg salary. Later that same day I applied at my local credit union and was approved for the same loan at 3.99 APR. I am complaining because I want this type of predatory practice stopped.
The XXXX mortgage on my house was bought by Nationstar Mortgage during my Chapter XXXX bankruptcy and the XXXX mortgage was legally discharged when I successfully completed the bankruptcy in XXXX 2014. I completed and filed the legal documentation in XXXX XXXX County, CA re : stipulation resolving the complaint. Instead of reconveying the mortgage within 30 days, I then began receiving bills from Nationstar, saying I owed them XXXX of dollars and the company reported the false info to the credit bureaus. After several calls and faxing proof, Nationstar kept insisting that I had to pay the XXXX mortgage. After I got my lawyer to send proof of the discharged loan, Nationstar finally noted that they would reconvey the mortgage, but it is still " in process ''. Nationstar should have stripped the lien last year. When I was in escrow to sell the house after having to move for a new job, I found out the lien was still there and I am now losing XXXX of dollars and will probably lose the house to foreclosure because of Nationstar 's delay in reconveyance of the mortgage. I 've called Nationstar weekly and it is still " in process '' although I was told it takes about 30 working days to reconvey it. Is there anything else I can do to get this resolved legally?
Several months ago I fell behind on my payments. I initially tried to send extra payments to mortgage company but the payments were sent back. I filed a loan modification application but was denied. An XXXX XXXX was sent to me so I used XXXX XXXX to assist me. We filed an appeal which was denied but of some in accuracies in the budget. XXXX XXXX ( XXXX XXXX XXXX ) has been trying to resolve this matter with franklin credit management but to no avail. We sent another timely appeal to franklin credit management but they still havent replied.
Numerous items such as bankruptcy and late payments more than seven years old are still appearing. All student loans are in a deferment status pending complete discharge, and I never lived at the  XXXX  address. Lastly, my identity has been stolen with reports filed with the local police department, the FTC,  Social Security Administration  and authorities in  XXXX , California. Please clear up these issues immediately and notify me upon its conclusion. A copy of this document is being forwarded to the FTC.
Since XX/XX/XXXX my auto loan with them was paid from my business account automatically every month. In XX/XX/XXXX, XXXX XXXX, somehow, could not withdraw the funds for two months form the account that they always withdrawn before. At the time I was traveling to XXXX XX/XX/XXXX through XX/XX/XXXX and I realize the problem after I looed at my mail and immediately I made payments and I re establish the bank account so they can get paid on time. I spoke to them about the problem and expressed the question to them why it happened all I get was that my payment was returned. At the time of the incident the business account had sufficient funds but they couldnt get it so I established anoether account with much less funds in it the it worked??? Because of their technical difficulty now they have reported me as I am late and I suffer from low credit score.
To whom this may concern, *PLEASE ESCALATE THIS ISSUE TO CFPB OFFICERS AND LAW ENFORCEMENT OFFICIALS WHO DEAL WITH AML/BSA/MONEY LAUNDERING ISSUES* The attached documents are a series of money transfer documents that shows Western Union is and has been : 1. ) Failing its duty to reject suspicious transfers. 
2. ) Structuring transactions for customers to avoid red flags. 
3. ) Allowing multiple senders to send a series of transaction ( on the same day and often within minutes of eachother ) to avoid red flags. 
4. ) Allowing transactions to be received via a fake identification document ( with clearly fake names ) or accepting kick-backs for falsely verifying a money pickup without actually seeing a true identification document. 
5. ) Etc.
On XX/XX/XXXX - I opened a XXXX XXXX Membership and the Customer Service promoted a XXXX XXXX - My XXXX XXXX Mastercard so that I could earn rewards. I agreed and the Customer Service clerk at XXXX XXXX  ran the credit application through and it was approved for {$6000.00} dollars at a 14 % interest rate. The XXXX XXXX XXXX XXXX XXXX Mastercard earned 3 % cash back at XXXX XXXX XXXX, {$.00} cents off each gallon of gas and 2 % cash back at non-XXXX XXXX XXXX XXXX. 

I shopped and purchased items for XXXX. I waited for thXXXX XXXX XXXX XXXX XXXX XXXX Mastercard to show up and instead on XXXX XX/XX/XXXX I received a letter stating they were closing my account. I didn't understand this because I have a XXXX credit score and I always make my payments on time. I called XXXX XXXX  and the agent at XXXX XXXX  said that they closed it because " I was a risk ''. 

I received the statement for my purchases and I earned {$5.00} cash back which was never given to me. 

I feel the whole process is a giant scam to promise people earned rewards and then close the account within a month. 

1. XXXX XXXX  was quick to close the My XXXX XXXX XXXX account at a 14 % interest rate- but they have since allowed me to open 2 accounts at 30 % interest rates. 

2. XXXX XXXX absorbed the money I earned in cash back ( {$5.00} ). The CFPB should examine all of XXXX 's credit line accounts for any that go through a credit check to get pre-approval to be opened, and then subsequently are closed within the next 30 days. This is fraud. If I was a credit risk, they should have denied the credit card immediately BEFORE I was allowed to make any purchases.
To Whom It XXXX Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX NORTH, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
I applied for assistance in saving my home with my servicer SPS. I hired an attorney to assist me with the process. On XXXX XXXX, 2015 I was denied for a loan modification. However, the lender missed part of my income in the review. My denial letter offered me 30 days to appeal the decision. My attorney submitted an appeal in writing to SPS on XXXX XXXX, 2015. I have attached the email confirmation showing my attorney sent the appeal and all corresponding documentation on XXXX XXXX, 2015 at XXXX. I have also attached my attorney 's internal notes where they called and confirmed my appeal was received and under review on XXXX XXXX, 2015 at XXXX. SPS issued me a letter on XXXX XXXX, 2015 ( See Attached ) - letter dated XXXX XXXX, 2015 - stating that my appeal was denied due to the appeal was not received within the 30 days after the denial. My attorney contacted SPS and SPS states that they are refusing to review the appeal because they did not receive the appeal in the 30 day period after the denial. My attorney advised them we have confirmation the appeal was in fact received by them on XXXX XXXX, 2015 at XXXX. SPS states their computer system takes up to three days for it to show up on their side so that was after the 30 days was up and therefore they are not willing to review the appeal. My attorney advised them that simply because their IT department decides to hold up all electronic correspondence for three days does n't mean they can use that as an excuse to evade review of a validly submitted appeal. SPS is unwilling to consider my appeal. My attorney states they are in violation of Respa Reg X ( 1024.41 ) and are in fact evading review. Please enforce any penalties against SPS for violating this Respa law. This is not only unethical they would hold my application for appeal past the appeal date, but it appears to also be illegal.
This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. 
I am also not able to receive credit score because the monthly payments are not being reported.
On XXXX XXXX I called XXXX to pay {$200.00} for my credit card that was declined and I was very late. The payment went through from my Bank Of America checking account. 
I called again XXXX XXXX XXXX they said I am OK. I used the card normally. 
Almost one week, Thursday XXXX XXXX, I checked my Bank Of America account I found it overdrawn and they applied a {$35.00} fine against me. I called BOA costumer service, The lady said the payment was not proceeded from XXXX. Then she said we can not cancel the fine after a long argue. 
This is not the first time they do n't reflect transactions in my online banking. The hold them until they could apply any fine they want. They did it before with me and with many of my friends. and every time I call the merchant or any other third party they say we proceeded your payment, but when I call bank of America they say it 's not from us! 
First, the question is why should I pay from my kids budget if these banks are not doing their job? How can I get my right if I am the weakest party of the deal? 
Second, Why they hide peoples data to use them at the moment they want? 
Third, why every time I should pay for a wrong computer system that I do n't have any control on it and it gives me a wrong data. I used to pay according to what I see on my smart 's phone online banking. 
Forth, they never hide goods and food or gas transactions, all what they hides are checks, and scheduled payments to snatch the unfair and illegal {$35.00} fine. 
Please help me i getting back this amount as a sign of our government financial institutions rigor. As sign of fairness and legality. 
If they do the same thing with XXXX account holder this means a lot of easy tricky money they are collecting. 
Please help in this please.
XXXX XXXX is advertising rates on their website they can not give to me. I am purchasing a home for {$650000.00}, putting down {$200000.00}, mortgaging {$450000.00}. I have a XXXX fico core. Their website says they can give me a rate of 3.75 %, XXXX points. When I called, the LO said he could not offer that to me because I was located in a High balance area but that he could offer me a rate of 4.25 %, XXXX points and they would offer to lower this rate by an .125 % if I would open up a checking account at a Citizens Branch and sign up for auto pay. 

How can a company misrepresent rates on their website?
I signed docs with Wells Fargo that stated my XXXX payment was XXXX XXXX XX/XX/2015 our Note with XXXX also shows XXXX payment XXXX XXXX. We closed our loan on XXXX XXXX, XX/XX/2015. We received a bill stating our XXXX payment was due on XXXX XXXX. I called Wells XXXX XXXX and they apologized and said they would fix the issue but it would take XXXX weeks and would be done by XXXX XXXX. I have called today and it is still not fixed. They are going to charge me a late fee and ding my credit for their mistake! Please help CFPB.
If I am right PayPal place limitation on my account at XXXX Avg. after that I provided all documents they ask me, next day then take from me {$1800.00} USD. I got mail : We regret to inform you that we're initiating the closure of your PayPal account. This measure is necessary to protect us from potential financial losses. 

And they said maybe will give me my money back before 180 days, they are very rude at the phone, not wanting to find a fair solution for me. Horrible! 

I got big financial lose because company of millions of dollars cares about their selfs.
I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all  XXXX  of the bureaus (  XXXX ,  XXXX , and experian ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX REF : XXXX Date:XX/XX/2016 To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following HARD credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 
Sincerely, XXXX XXXX XXXX
I have been sending {$100.00} to Capital One Bank for several years into my High Yield Money Market account. For some reason, Capital One stopped crediting my Money Market account as of XXXX/XXXX/15 although my Credit Union has continued to send the money to them.
I was given a credit card in my XXXX year of XXXX school when I was just XXXX  years old through bank of america. I was briefly told about the benefits of the card then given a card with a {$700.00} credit line. Over time I was not able to pay the bill on time because, of my not many work hours and being so focused on school. By the time I knew it a collection agency was calling me during class, at home asking for me to pay {$900.00} for my bank of america credit card & I was young I didn't know who they were or how they got my number. I called bank of america to figure out the situation but, I found out my checking & savings account was closed along with having a red flag through XXXX XXXX  because, of fraud. Which was another shock I couldn't / didn't know how to handle properly. They told me after countless days of asking what happened that someone tried to cash a check in my name through the mobile bank of america app. That I had no idea about & explained to them various times, they told me that it would be taken care of but never was. I called but was told I would have to call XXXX XXXX and talk to them which I tried but had no response. Ever since those actions were taken place my credit has been bad. I haven't been able to open a new credit card to fix it or even a new bank account within a national branch. I am now XXXX years old I am married and have a XXXX months old XXXX. I own a business and work along in multiple other business as well in the advertisement and music. I have grown and now I'm trying to go back to correct all the wrong doing that has been done in my name on my credit still affecting me till this day in my decisions moving forward in life. 

XXXX XXXX XXXX
I had XXXX hard inquiries from imortgage company ( XXXX ) on my credit report on XX/XX/2017 and XX/XX/2017 making it XXXX times in 8 days. 
I called both XXXX and XXXX who reported this inquiry and I was advised to ask for a letter of deletion from the loan company to take it off my credit report. 
My loan officer denied making the inquiry on the XX/XX/2017 and has refused to give me a letter of deletion for the hard inquiry on my report.
Bank of America will not stop harassing me with phone calls, even though I have told them to stop and they can see we 've made the payment on our travel trailer. These are robocalls. You say hello and no one is be replies for a few seconds. We scheduled our payment ON THEIR WEBSITE for a future date. They STILL call. This month, they called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Several of these days, they called 4 and 5 times a day. If I answer, and I 've grown weary and tired of explaining the same thing over and over, they still can not get it through their heads that we scheduled the payment. There was one female who was very nice and even offered to credit a late fee they had charged this month, which tells me the calls should have stopped then, but they did not. They restarted the next day! I suspect this is a hired outside company, because they say they have no access to BOA systems? This makes it all the more egregious. It is upsetting and stressful. They need to STOP.
Called  XXXX / XXXX / XXXX  for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX