WillisBack/dataset-financial-user-claim huggingface dataset:
Problem 1 : I have made several attempts to have Equifax # 1 remove incorrect information from my credit file, # 2 force Equifax to appropriately report on my file, and # 3 validate debts, and finally # 4 come into Metro 2  Compliance with ALL accounts on my credit file. Equifax always resolves any investigation that I request with " Debt Verified '' or " we verified this account belongs to you '' even if that is not what I am asking them for. I am seeking them to come into compliance. I am uploading one such account where they have given me that explanation AFTER I received a letter from the collection agency that the alleged account was closed in their ( XXXX XXXX ' ) office. How then, could Equifax have possibly verified the account and determined that it was reporting as it should, without removing it from my credit file since the company reporting it stated ( in writing that the account was closed in their office )? Impossible! This leads me to believe that this is the path Equifax has taken on every single dispute that I have submitted to them. I have attached the first 4 pages of the report Equifax sends back to me stating they have verified or validated the accounts. Obviously, this is not true Below is the list of accounts they are not properly reporting through and violating FCRA laws and compliance : XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX I have attempted to attach the copy of the letter the collection agency sent me ( XXXX XXXX XXXX stating the account is closed in their office ( Equifax sent it back as `` verified '' and refused to remove from my credit file ).
Even the account numbers listed are partial and incomplete account numbers.
Problem 2 : Trying to get these inaccuracies, incorrectly reporting, and only alleged accounts I have had to file  disputes with Equifax. On XX/XX/XXXX I called in to see why was it that my score dropped from XXXX ( dated XX/XX/XXXX ) to XXXX ( dated XX/XX/XXXX ) and was told by the following agents that it was because I had filed disputes : XXXX ( agent id # XXXX ), XXXX ( agent id # XXXX ), and supervisor XXXX ( agent id # XXXX ). To my knowledge filing a dispute does n't adversely affect your score. Why is Equifax punishing the consumer ( me ) for trying to make them come into compliance according to FCRA and Metro 2? There were not any new activity that would cause my credit score to drop 98 pts. I was told that once the investigation was complete my score MIGHT go back up. Since when has decreased scores been allowed to be used to deter consumers from filing disputes? Also, I have uploaded the latest letter that I have sent Equifax ( dated XX/XX/XXXX ) trying to get them to come into Metro 2 Compliance with my accounts. I am aware that an investigation takes 30 days however, this is not the first letter that I have sent about Metro 2 Compliance to the.
On XX/XX/ 2018, The Magistrate Court for XXXX County in the State of Georgia dismissed the lawsuit from Midland Funding in the amount of {$1600.00}. Midland Funding continues to report this account on my XXXX and XXXX credit report although the case was dismissed in court. I have contacted Midland Funding by writing and phone and there has been no resolution.
Good afternoon I have been through so many of your Employees trying to correct the problem with my account. Debit Card #   XXXX     XXXX   XXXX   XXXX . The transaction on  XXXX / XXXX /2017 was not authorized. I called the Claims Department after receiving a Claim #  XXXX . I explained to the Claim Personal that I wanted to stop payment on the transaction for the amount of {$34.00}. Your. Claim Department decide to do what they wanted. Any one may look at my account to see that I never had dealings with that company. According to what I was told when I ordered the Merchandise it was {$14.00} for shipping and Handling only and my card was going to be charged a one time fee of   XXXX  . When I checked my account I noticed I had been charged the amount of {$34.00} I telephoned the company regarding the transactions I was handled in Non Professional way. I requested the entire Transaction be CANCELLED, THE Customer Service person became angry and said she was not going to issues me my {$34.00} back. I did take the Liberty to record the Conversation regarding the Refund my money. The next day I noticed a Credit to my account for. {$19.00}. I called WELLS Fargo customer service representative to ask what was the {$19.00} about. She stated for the different of the {$34.00} .  XXXX    amount. I do n't asked for that. I asked for the entire amount of   XXXX    to be placed back into my account. Now I see today  XXXX  has Debit my account again for {$14.00} that I have not Authorized. Now I have paid these people a total of {$59.00} because your Employees wanted to be bill collectors. Today I asked   XXXX   in the Claims Department to put a Stop Payment on the {$14.00} and the  XXXX . She refused to do so. Now, I f this is impossible for you to get done then, I will contact the Consumer Financial Protection Bureau. I thought I would give you a chance first to resolve this issue. My Remedy,. for my money to be refunded my money and make sure the   XXXX   XXXX   do not debit my account again. I did the transaction in Good Faith, but it seems as though they are not TRUSTWORTHY,. I need not to have any more dealing with that company.
<P/><P/>   XXXX   XXXX     XXXX   XXXX   XXXX
I'm filing a complaint against Westlake Financial Services. Recently Westlake Financial had  a third party company come into a private apartment community and repossess my vehicle without my knowledge or consent. Upon contacting them I tried making arrangements and they told me I was lying even after I told them that I would be recording the conversation. They didn't try to offer me and kind of financial assistance or programs that could help me obtain my vehicle back. I have put so much money into the car and can't afford to lose it. I recently fell on a rough patch after losing my job, which is why I couldn't make payments. I have XXXX children that require various XXXX appointments for different things, but without my car I'm unable to get them back and forth. Myself , spouse, and children all have XXXX XXXX a week, which we haven't been able to get because of lack of transportation. I have been  working diligently to get the money I need to get my vehicle returned to me as it is very important. I feel that they should help me find financial assistance that will help me with my monthly payments so that they can get their payments. I'm currently seeking employment so that I can successfully make my payments and get the car payed off on my own, but it's really hard doing so without my car. Again Westlake Financial offered me no kind of help or referral services to obtain nor keep my vehicle, which as I stated is crucial to my everyday living.
XXXX was my direct service loan lender and I was told by several XXXX Representatives in XXXX to apply for the Public service loan forgiveness program. I was also told that I qualified for the Public service loan forgiveness program and once the program started forgiving loans ( XXXX XXXX ) That my loans would be forgiven. I left navient, and and all of my loans were transferred over to the public service Loan program. This has been an ongoing process sinceXX/XX/XXXX with no resolution in hand, I have been told that none of my loans qualify for Public service loan forgiveness.

I asked the Public service loan forgiveness program for audit of my loans and I have yet to receive any feedback. Please help this is been ongoing for over a year and it 's extended my payoff time from 3 years to 10 years.
Chase is marketing credit cards to those of us with good credit like it's going out of style. Be careful - the marketing is not clear. IF you already have a SWA Chase personal card, do not apply for the new one online. This has sent me through a XXXX triangle, wasting my time and therefore money. 

It appears in the middle of XX/XX/2018, Chase expanded their undisclosed 5/24 rule to include ALL co-branded cards, not just SWA, yet the marketing machine continues to ignore this policy and the Agents on the phone are not well trained. I am contacting the credit bureau b/c two of the cards opened are not mine - that is the silver lining here. 

However, the issue with incessant marketing of their branded cards to customers, plus this confusing 5/24 rule and lack of Agent phone training, is false advertising. The information is still relatively opaque, as Chase never comments on the 5/24 rule, but multiple reader and community data points suggest denials due to 5/24 for cards previously exempt. 

CFPB staff, please help educate consumers and hold the big banks accountable for deceptive trade practices. I do not believe this is intentional on Chase 's part, but the second to last Agent did encourage me to file a complaint here, so be it. 

Thank you! 

XXXX
My son stole checks from us ( Wells Fargo Checking Account ) and cashed them into his Wells Fargo Checking account. The checks were NOT SIGNED and the " To '' Field was NOT FILLED OUT. He deposited them at an Wells Fargo ATM. A total of XXXX checks for a total amount of {$4600.00} over a period of over a months were cashed. Wells Fargo did not flag or return any of these checks despite the obvious deficiencies ( see attached file for a copy of the checks ). When I talked to Wells Fargo about this, they said that the ATM is just a machine and can not verify checks, that there are too many checks cashed every day at ATM 's for Wells Fargo to verify them and that it is up to the account owner to catch any deficiencies. We also field a fraud claim with Wells Fargo, which was denied based on the fact that we are signers on both accounts ( our and as parents on the teen checking account ). 
I understand that my son 's action are my responsibility and I agree with the reasoning for denying the fraud claim - after all, if the bank tried to recover the money from him, it would have to come from us since he does n't have any ... However, I have a serious issue with a bank shrugging off the responsibility for reviewing checks. If they chose to delegate check acceptance to a machine ( ATM ), they need to put the same controls in place that they have at the counter. No teller would have accepted a check without a signature, a check without a " to '' field, a check without a date or a check where the number and word amount does not match - yet for an ATM to accept them and no-one reviewing them afterwards is supposed to be acceptable? Our son tried writing several small checks first and when they went through the system without raising any flags, he followed with more and bigger checks. If the bank had caught the clearly incomplete checks within 5-10 business days, we would have been alerted and could have stopped it right then. This would have limited our losses to {$750.00} and would have meant a misdemeanor charge for our son. Because the bank continued to honor these checks with no review whatsoever, he continued to write them and our losses went up to {$4600.00} before we caught it on our bank statement and our son now faces felony charges.
On Wednesday XXXX the XXXX I went on Loan Depot 's web site and inquired by inputting my Name and phone #, after I hit submit I get a call in XXXX seconds asking me, how they could be of help. I was very impressed by their quick response. I spoke to a gentleman briefly, and he transfereed me to a loan officer right away, saying he is the man I need to talk to. XXXX XXXX came on the phone and asked me, how he could be of help. I told him I 'm in the process of purchasing a XXXX in XXXX XXXX, Ca. My offer XXXX XXXX was just accepted and that I was shopping for the best interest rates. He said he would be happy to help, and told me what his Company could offer me. After twenty minutes of conversation I had made my mind to go with Loan Depot for my loan. He said he could do this entire process over the phone, I agreed and I provided all the information he requested. I had asked him if that 's the best pricing he could do. And he said everything I tell you is recorded, and if I get a better price, Loan Depot would match it and give me {$500.00} as credit on closing the loan. That evening I met with the sellers agent and provided a deposit of {$3000.00} and signed the sale agreement. And that night, I emailed XXXX XXXX all the requested document, since my interest rate was locked. On Thursday the XXXX of XXXX I informed XXXX that XXXX XXXX XXXX had given me a better interest rate of XXXX on the same product he was selling me, and he told me to email him the XXXX estimate, he called me back and said they will match it, I told he would also have honor the {$500.00} credit since I had received a better deal with XXXX he said that should not be a problem, he would talk to his supervisor. He called me XXXX minutes later and said it 's done, now my origination fee would be {$390.00} instead of {$890.00} I told him to move forward, and to send me a revised quote. Later that afternoon XXXX XXXX XXXX XXXX XXXX called me and said that they are not able to give me the {$500.00} credit. I told him XXXX had promised me the Credit, and the conversation was recorded, he said will should have not told you that, until he had received an approval. I was frustrated and told him how could Loan Depot change their minds, that 's not professional. I had emiled you all my personnel information XXXX credit repot, bank statement, pay stubs, and many other documents ) He started to apologize I told him it was false advertising, but he really did not seem to care. Now my Credit score has dropped from XXXX to XXXX due to excessive inquires and burrowing my coast me more money, with another Lender
Reliable Credit falsely submitted an application using my personal information without my permission on XX/XX/2016. I did not authorized anyone employed by their company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from Experian, XXXX, and XXXX.
Equifax mishandled my private information, and has put me at life long risk of identity theft, as well as over 100,000 other individuals. I was told that I was a potential victim of identity theft over a month after Equifax new that my information was potentially stolen. Additionally the only option to help correct this breach is n't available until mid XX/XX/XXXX, which is unacceptable if my information was stolen weeks ago. I want a resolution.
My mom got an apartment in her name and the company REQUIRED my sister and I to sign because we were XXXX. My sister and I went to college and when we came home my mom had moved out without finishing paying. Eviction was placed on our credit. My mom filed bankruptcy in 2012.  This is still on my credit and it does not belong to me. As of today, I have filed disputes without any success AND my mom had to end up making payments on this after she already filed bankruptcy. It has been 7 years and I have not been able to get my own place.
I had someone forge a check for {$2000.00} and my bank cashed it even though the signature was not a match and she used my bank card. A police report was filed and she was charged although my bank gave me back for the card transactions but will not for the check.
I applied for this loan with Wells Fargo. I asked for a fixed rate for 4 years. It was a {$35000.00} personal loan at 10 % fixed rate. My current balance as I am writing this is {$12000.00}. While viewing my account I noticed a payment on XX/XX/XXXX that I made ( my payment is {$640.00} monthly ). Principal payment was {$570.00} and interest was {$77.00} ( 647.98 ). The following month I made a payment on XX/XX/XXXX, {$640.00} : Principal payment {$420.00}, Interest payment {$210.00}! I called Wells Fargo and asked how could the interest payment go from {$77.00} to {$210.00} on fixed interest rate? First I was told my payment was a fixed amount but my interest was n't. I specifically ask for a fixed rate which I was told I had, but now you are telling it 's adjustable. Then Wells Fargo came back to say that the interest rate is fixed but the payment is due on the XX/XX/XXXX and if I make the payment after the XX/XX/XXXX, it affects the interest payment. I countered that the two payment I 'm referring to were made on XX/XX/XXXX and XX/XX/XXXX. When you amortize interest it goes down every month base on the principal balance. Will you please look into this.
On XXXX of XXXX I purchased a XXXX XXXX from XXXX in XXXX ca for {$39000.00}. The car was financed by chrysler capital account # XXXX my payments were $ XXXX for 76 months. In XXXX i was injured on the job and was off for several months. i was unable to make my payments for 3 to 4 months. i was given noticed that my car was up for reposession. I called chrysler capital and was told i needed to make a payment of {$2500.00} on XXXX/XXXX/XXXX for them to stop the repo which i did. They further ask me to continue to make my payments plus extra to cover the late fee 's which i did till i was caught up which I have. In XXXX of XXXX i applied for a consumer loan and was rejected because of the entry chrysler capital made on my credit report. Thinking it was the fact i missed payments with them I understood till i signed up with XXXX and it showed that as of XXXX of XXXX no payment were reflected on my report even till current date and that the account was charged off and that the amount they were charging off was {$34000.00}. Believing it was a mistake i disputed this with XXXX, XXXX, XXXX, and XXXX and got my payment history from chrysler capital showing my payments, but their reports never changed. I called chryrsler capitals credit dispute section last week XXXX/XXXX/XXXX and was told that they did receive all my payments, but its their policy that if a payment goes 120 day without a payment that charge it 's off and would normally repo the car, but I had made a arrangement with them so they allowed me to keep the car as long as i continue to make my payments. I kept repeating about the charge off and that normally if a car is charged off they take back the car which would be sold at auction and they would write off the difference for a tax loss. the person in the dispute section said in my case my account is actual still active, but its their policy to charge it off anyway which would reflect on my credit report. i ask so from the time of the arrangement till now all those payments except in your payment history will not show on my credit report her reply was " yes its not a law per se just chrysler capitals policy '' I told her that was not fair and the only thing she could say was " I 'm sorry ''. I also ask how long does this charge off stay on my report even as I 'm still paying she stated 7 to 10 years so no matter how many times i dispute it its still a valid claim which they report to the credit bureaus every month. I ask what if I pay the car off her reply was still it will remain. I 'm at a loss as to what to do my XXXX score is improving, but with that charge off on it without a explanation as to why it says charge off I 'm screwed.
Navient bought a former private student loan that I had with XXXX XXXX. Navient is trying to get me to pay way more than I actually own on this debt. My XXXX balance is now XXXX. How is that possible? Navient now wants me to enter into a 16 year contract to pay off this new balance. In addition, Navient used XXXX different collection companies to harass me by calling me at my job.
SIGNED A LEASE WITH AN APARTMENT COMPLEX BECAUSE THEY SAID THEY WERE PET FRIENDLY, TWO DAYS LATER I TOLD THEM I WAS BRINGING MY DAUGHTERS DOG IN AND THEY ASKED WHAT KIND. AFTER I TOLD THEM THEY SAID NO - I SAID THAT THEY SHOULD HAVE TOLD ME THAT UP FRONT AND TO JUST TEAR UP THE LEASE AND I WOULD GO ELSEWHERE. THEY SAID THEY NEVER DO THAT AND THEY WOULD SEE ME IN COURT. I LEFT AND THEY KEPT ALL MY DEPOSITS AND LEASE,,,, ALL I WANTED TO DO WAS LEAVE BECAUSE THEY LIED,, THEY KEPT MY MONEY AND TURNED IT IN FOR COLLECTION
I received a XXXX tax for from the school loan company ACS ( XXXX XXXX XXXX ) stating I was paid {$710.00} in other income. When I called to inquire about this, ACS told me they had made a mistake on my loan payment in 2011 and had to make an adjustment this year. I asked when this adjustment occurred, since I could not see it on my payment record. They told me the adjustment was applied 'behind the scenes ' and would not show on my payment records screen. This leads to my specific concerns : 1. I do not see how an adjustment for a mistake on their end becomes taxable income on my part ( I was in school at the time these funds should have been applied and would not have had to pay tax on them ). 

2. The corrections are too opaque. If there is no evidence of an adjustment, how to I know it occurred. 

3. This reported income has changed the amount of interest they are claiming I paid on my loans this year. According to my online payment records on the ACS website, I have paid {$1600.00} in total on my loans this year, with {$630.00} being applied to interest. Yet, my XXXX reports that I have only paid {$10.00} in interest this year. 

4. The XXXX form was sent to my house without any indication as to why and what it was. I had to investigate on my own only to discover the form was for payments issued by a company, which surprised me because I did not receive any funds from ACS.
I am being charged {$260.00} from College of XXXX Nevada. This is reported on my credit and I've tried to resolve this matter in every way possible. I enrolled for 1 class, lower division and I was being over-charged for the non-resident tuition. I do live in Nevada however, I didn't realize that I needed to apply for the resident tuition. With that being said, I'm still being over charged, I had to drop the class because the tuition that I need to pay way extremely high. Once I dropped the class received a 50 % refund on tuition. After I dropped the class and all balances were updated, it showed that I had balance to pay of {$360.00}, then minus a pell grant of {$100.00} made the remanding balance of {$260.00}. The issue that I am is that from the beginning I was being over charged. I have filed an appeal with the College twice and never received a response back, I faxed and emailed it. I have email back in forth with the appeals & registrar office and have not been successful in resolving the issue.
I submitted a dispute with Experian twice to request removal of a collection in the amount of XXXX involving a collection company ( XXXX XXXX XXXX ) whose client is an online payday loan company not licensed in the Commonwealth of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and XXXX XXXX never sent me a notice that would allow me the opportunity to dispute the collection.