WillisBack/dataset-financial-user-claim huggingface dataset:
I sent in a complaint to Transunion and XXXX credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XX/XX/XXXX and it is XX/XX/XXXX and just got a letter from transunion XX/XX/XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as Transunion and XXXX was directed and FCRA 605 B states within 4 days ....
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
repeated calls to my XXXX year old mother, asking who was in charge of the financial and funeral arrangements of my deceased sisters affairs. My sister died 3 years ago and had no funeral, no insurance, and no money.. These people called at XXXX and have called XXXX times. I myself talked to a very rude man who after I told him my sister had nothing and we are n't responsible for her debts he became very rude and I proceeded to hang up on him. My sister died a very slow painful death and to call and harass my XXXX year old mother is disturbing.
American Express bank owner of Bluebird prepaid card has been withholding my direct deposit that was sent on XX/XX/2018 for {$1300.00} stating that they are having technical issues but can not provide an eta as to when it will be resolved. I have not had access to my paycheck which has made bills and rent late and they are still not assisting customers with a resolution. I have been lied to and hung up on when requesting a supervisor as well.
Loan Number # : XXXX Select Portfolio Servicing Account # XXXXOur current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back  to XXXX ) on our Non-Agency Securitized Mortgage since originated in XXXX with XXXX XXXX XXXX XXXX. Since XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers indicating " the loan investor/ Loan owner ( XXXX XXXXXXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XXXX/XXXX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX XXXX last filed documents with the SEC in XXXX ). SPS indicated in XXXX of XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 54 dating back to XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX for assistance as they are referred to as the Trustee of our mortgage by all 6 servicers. They have indicated that they do not have contact information on the actual investors/loan owner, yet they continue to deny indicating that the denials are coming from the investors at the direction of the XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests
I received an unsolicited offer of credit with a pre-made credit card with my personal name and company name on it, requiring only a phone call to activate. My concern is that this card offer could be intercepted and activated by anyone, who could fraudulently and easily obtain {$150000.00} credit in my name. I assume this same offer has probably made to many others. Issuing company : IMCA Capital
MY NAME IS XXXX XXXX THE REF NUMBER IS XXXX BANKRUPTCY WAS XXXX DATE FILED XXXX XXXX 2007 WOULD LIKE REMOVED MY SS XXXX PHONE NUMBER XXXX
XXXX University, XXXX FL, is owned by XXXX Colleges. I took out a private loan through XXXX University called a XXXX Loan for approximately {$4600.00} on or about XX/XX/XXXX to cover the part of tuition not covered through the Federal Student Loan program. XXXX switched the loan servicer from XXXX to Campus Student Funding and XXXX, XXXX ( XXXX XXXX XXXX ), PH # XXXX XXXX on or about XX/XX/XXXX. 
The following is an excerpt of what has happened to XXXX Colleges : " XXXX and XXXX borrowers : On XX/XX/XXXX, the Department announced new information about this relief. The Department has found that between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX University ( " XXXX '' ), as well as XXXX misrepresented job placement rates for many of their programs of study. The Department stated that these findings qualify students enrolled in the covered programs and time periods to apply for a discharge of their federal Direct Loans through an expedited process using a simple attestation form. This includes parents of XXXX and XXXX students with parent PLUS loans. '' The Federal Court ruled that ALL student debt for students attending XXXX Colleges/ XXXX University is to be fully discharged for those attending between XX/XX/XXXX - XX/XX/XXXX.
After suffering the loss of my XXXX year old brother and diagnosis of my father with untreatable XXXX, I returned to Florida to help my family and was burdened with hurricane Irma 's wrath right upon my arrival. I struggled to make payments but set up a Target facilitated payment plan in XXXX, however they continue to charge late fees ( I understood interest to be charged, but thought the plan terminated these fees ). I even called and their representative said a payment plan would stop the fees, and when I questioned why I was then charged fees from XXXX through XXXX, despite making the agreed upon payments. She refused to offer any explanation or help with the {$100.00} in erroneous, unfair, and unexplainable late fees.
On XX/XX/2018, I tried to cancel my Experian Credit Tracker account by following their instructions listed on their website : https : //experian.experiandirect.com/credit # /signin Here are the instructions : " How do I cancel my membership? 
If for any reason you are not satisfied, you can call us to discontinue your membership and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month 's paid membership fee. To cancel, please contact Customer Care at XXXX. '' After a call to that number I was instructed to enter the following information : Social Security Number, Zip Code, house # of my street address, birth-date ( mmddyyyy ) and followed the menu option to select membership and cancellation but was told by the system did not have a membership which I do have. I never spoke with a live person and there was no option available to do so. I repeated calling and repeating the process to be sure I followed their process correctly. 

After a number of XXXX searches I see that I am not alone : XXXX XXXX XXXX and XXXX XXXX XXXX I am outraged by Experian 's shady practices . 

I also recently received the following unsolicited email and forced upgrade from : XXXX Hi XXXX, Because we are constantly looking for ways to provide our loyal members like you with new and improved features, we will be upgrading you to our best-in-class premium Experian membership. We're doing this so you can have access to more robust tools that empower you to take control of your financial life. We hope you enjoy your new benefits. 

You'll soon receive a whole host of great new features we're sure you'll make the most of : Lock your Experian credit file on demand ; get daily access to additional industry-specific FICO Score versions that are commonly used for mortgages, auto loans and credit cards ; our enhanced FICO Score Simulator, which can help you plot a path to a better credit score ; personalized credit card offers based on your profile ; a new, easy-to-use interface ; revamped on-the-go mobile app access, and more - all on top of the many other benefits you're already enjoying. 

With this next upgrade, your membership price will change to {$19.00} plus applicable sales tax. You should see this reflected during your next billing period. 

You don't need to take any action right now. We'll let you know when you've been upgraded and show you how to make the most out of your new and improved membership when the time comes. 

Sincerely, Your Experian.com Team
I applied for loans online, a company named Cash Central sent me a message saying I was approved for $ XXXX {$5000.00} dollar loan. I agreed to a {$2000.00} loan in which I would pay {$100.00} dollars a month for a XXXX installment. They emailed me the contract in which I agreed to. They asked for my account number in which I agreed to because they needed to verify that I had a source of income. When they looked into my account they saw that I was over drafted ( that's why I need the loan ) to cover the over draft and try to clear out other debts. They said they had two options they could help me out before giving a loan. It's either I showed them a {$100.00} that would be part of the first month payment ( that I clearly didn't have ), or they would send {$500.00} dollars that would cover my over drafted amount and I was to send them back the rest of the amount as good faith. This all happened XX/XX/2018. They kept asking me why haven't I sent the rest back yet and that's when I told them I haven't received it. When I spoke to XXXX on the XXXX they said it takes about XXXX business days for them to clear. on the XXXX when I spoke to XXXX ( because I noticed the funds still weren't there ) they said it came back as fictitious. Cash Central had also deposit XXXX additional {$250.00} deposits. When I spoke to Cash Central about the {$500.00} deposit they said it appear that way because it was cancelled that the additional {$250.00} deposits should go through. When I spoke to XXXX again they said those funds should go through but they were going to hold it till the XXXX because the first check came from the same place and it was fictitious. By the XXXX I noticed that I was being charged return fee on those deposits ( I was also charged return fee on the {$500.00} deposit as well ; {$15.00} each ). When I spoke to XXXX they said those were fraud, so they transferred me to their fraud department. Fraud told me that I had to physically go into a bank to fill out some forms and also get a new account because this one has been compromised. XXXX was no help and basically said I would be accountable for the situation because I gave them my information, but to my knowledge I thought I was dealing with a legitimate company.
I am filing this complaint because Capio Partner LLC has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
I deposited {$26000.00} into USAA bank ( routing XXXX ) at the end of XXXX. A week later they sent a notification that my money was available. I wrote a {$400.00} check to my local utility company. When my debit arrived, I called to activate it, and was told by the CSR that USAA was declining to do business with me. I 've spoken with XXXX reps, who have rudely told me that my money would be returned to me when their investigation was done. What investigation? I have only been informed via marketing and advertising that my money is safe at USAA and to utilize their bill pay program. I 've been locked out of my account online, and they are n't sending me any XXXX mail informing me that they 've frozen my accounts and wo n't return my money until their investigation is done. 
This is all I have in the world. I live on this money. I have rent to pay, a child to feed, until I find work. Please, please help me. They 've been holding my money almost 30 days, they will not give me written verification that they are investigating me, and they have no reason to investigate me. They have basically stolen my money from me. FYI, they also informed me that I would be receiving a bill from them for overdraft fees or some such. How is that possible off a {$400.00} check written from an account with {$6000.00} in it?
XXXX  reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX  and they have no record of this inquiry. XXXX  reporting this falsely and providing written proof per my letters
On XXXX XXXX, 2013 Ocwen Loan Servicing , LLC took over managing my loan accounts on the property I own on XXXX Texas XXXX. 
Since that time they 've been claiming I either did n't make my mortgage payments or I 've been late paying them by one, two or even three months, this have been going on ever since they took over my loan accounts till now, so not only they 've been reporting to all credit reporting companies I 've been late in payment which has resulted in damaging my credit also I.ve been charged additional interest on my loans, because even they receive my payment checks they do n't apply them to my accounts and call the payments suspense payments, they 're still doing the same thing even I 've talk to over XXXX people there about this problem nothing has been done about it till now, that 's why I am complaining about this company and hoping you can help me resolve this problem. 
They even have raised my principal balance on XXXX of my loans by over {$3000.00} that means they 're collecting more interest on my loan. My original loan was {$25000.00} eight years ago now they say my principal balance is {$26000.00} as of today.
My Ocwen Loan Service Company is playing games with my home and wants me to pay for it after my husbands death ( XXXX 2015 ) and will not do a refinance, so I can keep my home and continue to make payments by remodifing the home loan. It has been in the works for since XXXX 2015 for the loan modification, which they keep staling to do so I could keep my home. please help me to get this cleared up.
On XXXX XXXX and XXXX XXXX, XXXX I was mailed letters from XXXX XXXX describing a balance due. Upon inspecting the letter it was discovered that rather than my name in the letter window, my entire social security number was listed on both letters received. Upon opening the letters it was discovered that my entire social security number was listed on the document. I reached out to XXXX XXXX when the letters were opened on XXXX XXXX and spoke to the customer care supervisor.
I am requesting Bank of America to review the decision on closing the account. I still have credit card with Bank of America and asking to allow me to have checking account. Previous checking account was closed on risk matter. 
I am having troubles with paying my bills with credit card from another account. Last time I entered incorrect account number and I thought that I paid the bill, but transaction did not go through. Bill due date passed and this resulted with credit score went down. 
I do want to keep Bank of America credit card. I am asking Bank of America to allow me to open new checking account. This would relieve all troubles I am facing with paying bills for credit card. 
Credit card : XXXX
Hi i am trying to get some help in reaching out to Midland Funding. I discover they had placed an account on my credit and i really do n't know what the account is for. I have tried to contact them for the past several months by mail, so i could have a record of the communication- its no use no one has got back to me.
I applied for a rental apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX, Tennessee XXXX ( XXXX ) XXXX on XX/XX/XXXX, 2017 and was immediately denied. When I contacted XXXX XXXX XXXX, they told me they had no control over the matter and directed me to CoreLogic and their number is XXXX. I contacted CoreLogic and they told me there was a criminal record and I would have to dispute it and they could not provide me with any more information. I immediately disputed the issue and I have also faxed a copy of the dispute to Core Logic. When I contact them now, they say no information can be provided. This needs to be cleared up immediately. I have never had any criminal record and I have recently been cleared under a TBI and FBI background check for the XXXX XXXX I have taken with the  XXXX XXXX XXXX. This is obviously incorrect and this CoreLogic company and XXXX XXXX XXXX are using information against me that is libel information and I intend to pursue this until it is cleared up. Kind Regards,
I would like to have my name removed from or OPT-OUT of all promotional ads for credit cards and insurance ads. My name is XXXX XXXX XXXX please remove any other variations. My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2009 XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX My information has been compromised I and the is a report on file with the XXXX Police Dept.
I opened a credit card account with a clothing company called XXXX it was issued through Comenity Bank approximate date opened was XXXX 2017 I bought one item then closed the account. I continued to make payments till the account was paid in full. After making the last payment I received a bill for XXXX plus a XXXX interest charge saying late fee this was XXXX. I contacted them and informed them this account was closed and paid off. I was told it would be taken care of. I have continued to receive bills every month for the past 3 monts with the most recent being XXXX for late fees!! Again this is a closed and paid off account!! Comenity bank is trying to wrongfully extort money from me and have reported this to the credit bureau this will affect my score. Please help me with this issue.
I have paid this loan off with another creditor. Unfortunately during the time I was paying the loan off another company picked it up. I fax ed them the information before and they keep saying it is incorrect. The loan was through XXXX 's XXXX and I have already paid it off.
I was online trying to pay my bill, a telephone number pops up on the page and blocked me from paying my bill. I waited, about a week or 2, then I received a letter stating it was an account collection. I have no delinquent accounts.
I repeatedly requested American Education Services ( AES ) to apply additional payment amounts to the principle and they refuse, always assigned the supplementary payment to " pay ahead '' status.
This compliant is regarding closure of my account without my information. SunTrust Bank prohibited me to access to my funds which I needed urgently ( $ XXXX ). XXXX : I opened the account after depositing {$150.00} in account. XXXX : I completed direct deposit of {$800.00} i account. XXXX Deposited multiple amounts in the bank account. XXXX : A XXXX  check of $ XXXX was deposited. XXXX : {$12000.00} cash was deposited in the account. I have been trying to access my account online as well as ATM but it was showing nothing, after calling customer support they told me my account was closed for " some reasons '' but they were not aware of the reasons. I asked SunTrust to give me my funds since I need to use my money. SunTrust declined and told me I will be getting my check in 5-7 working days with explanation why my account was closed. I have been told that SunTrust has right to close my account without informing me. I have written checks in good faith to use my banking account which is denied to me without any reason. I am also having SunTrust Mortgage Account that is in excellent standing.
I have a case with Messerli and Kramer. According to the online court record, they tried to send me letter/correspondence on XX/XX/XXXX. I did receive information that they wanted to communicate with me electronically. However, I could not access their request due to a name change. The letter specifically stated that if I did not accept the electronic request, they would continue to communicate with me via mail. I could not and did not accept the electronic request. I did not receive any further communication from this company. Last week I got notification from my employer that they were required to begin withholding my wages. I had to go on to the WI Court website to locate the response form, as my wages are exempt from garnishment. I was not notified by the creditor of the garnishment or given the proper time frame or documentation by them to file my response. WI state law requires that they notify both me AND the employer. They only notified the employer. They also updated my address on XX/XX/XXXX, per the WI court reporting website, to an address I have not lived at until XX/XX/XXXX, which is stopping me from getting proper mailed documents, if any were sent, which according to the court file, none were. I did call in XX/XX/XXXX and left them a message in reference to stopping communications with me at work. After that, it feels that their debt collection practices became almost retaliatory in nature.
I have disputed XXXX incorrect addresses reporting on my credit with Transunion over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX