WillisBack/dataset-financial-user-claim huggingface dataset:
Received a letter in the mail. Told me my effective credit card debt and effective interest rate ( relatively accurate ). I went to their website, put in the

Eligibility ID #, and filled out my info. The next date, one of their " agents '' called from an " Unknown Caller '' number to my cell phone. He asked me more questions, some of which were unusual -- how much did I owe on my mortgage ; what was the estimated value of my home ; who was my employer -- things I am not usually asked for a personal, unsecured loan. He said he needed " 30 minutes to speak with his underwriter '' and then get back to me. I told him I would be in meetings until noon or later.

We spoke that afternoon. He said because my " credit utilization ratio was 85 %, they could not approve my loan '' ( the mailer offered me $ XXXX at 5.49 %, with no disclaimer about being for highest credit ratings, etc ). I laughed because I knew this guy was lying ; I had just looked at my credit report ( my bank, XXXX, provides it for me ) and my utilization ratio is right at 50 %. I asked him how he was calculating it, he listed off ALL my debts ( minus the mortgage ), not just revolving debt. When I said, " that's not how you calculate credit utilizaiton ratio, '' he snarked back " well, we can argue all day about the definition of this but you don't qualify. '' He then said his company usually would want to help me instead and " restructure my debt. '' When I asked what that meant, he said that usually they would offer to get me out of debt but " first you have to stop paying all your bills. '' I told him no thanks.

Also, He said I would need to have ALL debt utilization under 35 % to qualify for that loan ... .. but question, WHY would I need a personal loan to restructure {$45000.00} of credit card debt ( which is what their initial offer was ) if my total debt utilization is under 35 %??? Literally their own " requirements '' make zero sense, especially since they ( at least claim to ) define credit utilization as [ current mortgage debt ] / [ maximum non-mortgage account values ]. That to me smells like a company funneling you into a different product, aka, " stop paying your bills. '' I am reporting this company to the CFPB due to the concern that this was actually just predatory lending and/or a false front to actually attempt to " restructure debt, '' aka con people into letting them present them in debt settlement ( and I don't even know if they are licensed to do so ). At the absolute, it was a heinous use of the " bait & switch. '' Offering someone an unsecured loan and then telling them then need to stop paying their bills is just reprehensible, in my opinion. People need to be protected from companies like this. 

I'm guessing when he heard I was XXXX XXXX, he backed off since he knew he would be in big XXXX trouble had he gone through with predatory lending with someone in the armed forces. 

I attached the actual letter I received from the company
XXXX put a collection on for a 10 year old XXXX bill that I do NOT owe. I challenged the collection through Experian which is the only reporting agency showing the collection. XXXX sent me a letter asking for more information so they can help me with the dispute, which clearly shows they do NOT have the information needed to verify the debt to the reporting agencies. XXXX never responded to Experian, however Experian left the account on without updating, showing that the account is in dispute, it has no payment history or correct information as required by the FCRA to report on my credit. Experian is obviously allowing the miss-reporting and XXXX is blatantly using my credit report as a collection tool for a debt that is not owed. This is causing my credit score to be XXXX points lower than the others and keeping me from getting the approval for a home loan. I implore your help with getting this matter resolved in a quick manner. I am having the same issue with Enhanced Recovery as well regarding a XXXX XXXX collection for equipment that was returned long ago. Once again I disputed the account through Experian and they did not update or were they able to meet the FCRA requirements to be on my report and they are violating my rights as a consumer. Once again I ask that you help me with this matter. I have complete faith that you will get this resolved for me. I have attached the dispute results from Experian. Lastly XXXX, again is only being allowed to continue its erroneous reporting on Experian. They have not responded nor updated since XX/XX/XXXX and I have disputed the paid in full account 3 times in writing by certified mail with Experian and still they have not updated or removed the account. I have asked them to validate their verification of the debt and they have ignored my request and only send the same response that ignores my legal request as a consumer. They are obviously disregarding the law and your authority by doing this, as well as my credit reporting rights. Thank you in advance for your time in handling this matter.
I have requested my XXXX savings be distributed for deposit into IRA Traditional and IRA Roth accounts but the distributing bank, Wells Fargo, refuses to execute the distribution even after multiple calls, notarized proofs of identification and documents of instruction submitted.
I am disputing an account that is being reported on my credit report as wrong information. I contacted XXXX and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can XXXX verified if the address is wrong?
Spot Loan is saying that i applied for a loan back in 2014 and money was deposited in my XXXX account. I have n't not had a XXXX account nor did I apply for a loan. They have called several times but will not give out any information. A XXXX got real upset with me and told me " good luck. '' XXXX
I have several times been unable to verify my identity by phone ( e.g. when traveling ) after answering several " identity verification '' questions. This has happened with XXXX different credit card companies. I have checked my credit reports and scores and while there are minor errors, my scores are good and there is no evidence of identity theft. I was unable to verify my identity to get the credit reports, however, and had to go through a friend who made a business inquiry to get the report. I am at a loss as to what to do : I suspect this is inaccurate information on one of the credit bureau 's identity verification products but I have no idea - the credit card companies ( XXXX, Bank of America ) wo n't tell me even which product they use to verify my identity. What do I do?
Citibank incorrectly coded my credit card account as having been included in a bankruptcy filing that was not mine and then erroneously reported this information to XXXX in XXXX of 2017. As a result, my Citibank account was frozen and my credit report for XXXX  showed that my account was included in a bankruptcy, which is incorrect. After several weeks of phone calls with Citibank, and explaining to various representatives that I had not filed a bankruptcy, I was able to get the name of the lawyer listed on the bankruptcy filing they were attributing to me. The lawyer, who is located in Wisconsin ( I live in Virginia ) confirmed that the bankruptcy filing was not mine, but was for an individual with a similar name and social security number to mine. I was able to get the lawyer to submit a letter to Citibank indicating that the information they were using/reporting about me was erroneous. Eventually, after many weeks, Citibank finally accepted responsibility for the incorrect coding of my account. At that time, I was told by Citibank that my only choice of action was to pay off my balance, because my account was now closed and could not be reopened. I paid off my account balance immediately and my balance is now XXXX and the account is listed as closed. However, the erroneous information from Citibank remains on my credit report for XXXX and has resulted in a significant decrease in my credit score. I filed a dispute with XXXX, but the only resulting action was to add a note that I disputed the information. It is important to note that at no time have any public bankruptcy records been added to my report, because I never filed for bankruptcy, now or in the past.
Hello Dear CFPB I want to share my experience and complaint regarding very unfair and bias way i was treated by US BANK and there employees a specially XXXX XXXX in Fraud Department. On XXXX XXXX XX/XX/2015 I received offer from US bank to apply Cash plus Visa Signature card. After a lit bit thoughts i decided to apply as i did not have any relationship with US BANK and wanted to start because the card had a lot of reward and other perks. After applying my application went directly to FRAUD department which was really very weird and i surprised for me. making long story short i contacted Us bank and was Welcomed by VERY RUDE Disrespectful person name XXXX XXXX who was from beginning start accusing me that i will take this card spend and never pay them back even though i have VERY exceptional credit and I 'm very responsible borrower having just used 2 percent of my total available credit NEVER been Late and doing all my best to Never have any delinquent or negative mark in my credit. XXXX XXXX start making assumptions that im high risk that i have available credit and and because i do n't have balance XXXX day i might take all credit available to me spend and never pay back. I have great job great credit and i was treated very very biased and i do n't afraid use word maybe even discriminated. I ask him politely to speak to supervisor and he did n't wanted to transfer by saying on behalf of supervisor that supposedly he would tell me same thing but after me pressing him he finally transfered me where i left message and never got all back. Couple days later i received this letter the reasons of my application denial which is completely false all reasons. i attached to see all of them and also im happy to send my updated credit bureau with XXXX XXXX which shos i have VERY EXCEPTIONAL CREDIT the same credit which they rated XXXX score XXXX they denied me credit based on all false injustice reasons. Im giving my consent to please investigate and know the TRUE on my behalf dear Consumer Financial Protection Bureau. All this process was VERY UNFAIR BIASED AND IM SURE I WILL CLEAR MY NAME BECAUSE MY CREDIT CARD APPLICATION WAS NOT SUPPOSE TO BE IN FRAUD DEPARTMENT IN FIRST PLACE. Please assist me to find justice and to credit equal access to credit based not on any type of XXXX religion or national origination but based on facts and the facts are i have as i stated very exceptional credit great job and income and still my application goes to fraud department for no resaon. thank you very much
I contacted Southwest Credit Systems to try to get information as to the validation that never occurred. I paid the final bill that XXXX presented. We went into the XXXX office and paid the balance that they requested at their office. There was no communication that there was any other balance. My wife changed her number to a different account and I changed my phone number to my work phone. I have never received any bill from XXXX or Southwest Credit Service yet they have reported a collection account. Southwest Credit Systems claims to have sent validation notices to a P.O. Box but I have never received it. I requested it again. They said they would send it to a new address but they refuse to remove the account while the validation process is completed. They reported it to credit before any validation. 

I asked for their Agent For Service contact information and they have refused to give it to me. They claim that the only mailing address is their XXXX XXXX XXXX XXXX Texas. They claim that their agent for service does not have an email or a fax number. I spoke to XXXX. I also spoke to XXXX 's supervisor. Their refusal to provide me information to serve legal notices is appalling and a direct attempt to avoid obeying the law.
On   XXXX   XXXX   2016 i was  XXXX  and sent to   XXXX   for   XXXX   XXXX   got out of  XXXX  on   XXXX   XXXX   2016 on the   XXXX   XXXX   XXXX   i went to my bank to get money and to find out i had   XXXX    to m y name i tell the bank i want to make a complaint that my money was gone that i should have  XXXX  in there not  XXXX  i filed a fraud on account and made a police report in two towns in  XXXX  and in  XXXX  colorado on the   XXXX   XXXX   2016 by the middle of  XXXX  to the   XXXX   XXXX   XXXX   tcf said i have lost my money and they will not pay me back my  XXXX  that was stolden from my account im going to keep fighting because im not in the wrong and this bank is please help me get my money back
I applied for a card. I was " approved. '' I was connected bia XXXX XXXX. Then they send me a vague email asking me to call them. I make three attempts to call them back. Each time they claim they need to make an outbound call to me. They don't call once. I have not one attempted inbound phone call in my call log. Supervisor XXXX fake apologizes for me " feeling this way '' and also promises to call me and doesn't. I believe this company has scammed my personal information and is a fake/fraudulent company. Please investigate.
Back in XXXX XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring Blitt and Gains, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXXXXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It was n't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by Blitt and Gaines on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since XXXX. They have taken over $ XXXX from me unlawfully. Also, Blitt and Gaines has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact Blitt and Gains several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.
Fraudulent Loan. Consumer signed a Negotiable Instrument ( Promissory Note ) which is Legal Tender and for the total payment for the Vehicle in FULL. Credit Acceptance Corporation had Consumer signed a Promissory Note on XX/XX/XXXX and asked Consumer to signed another agreement in XXXX / XXXX of XXXX for the same vehicle with an additional Promissory Note, in which was tendered electronically so that consumer could not properly endorse the NOTE " Pay to the Order of the United States of America without Recourse '', making consumer the " Holder in Due Course '', " The maker of the Note '', and a " Real Party in the Interest '' to said property. Company refused to settle this FRAUD and tried to repossess ( STEAL ) the vehicle after consumer refused to continue making FRAUDULENT PAYMENTS in FIAT DOLLARS ( Federal Reserve Notes ). Company sent a UniLateral Contract signed only by consumer which does not constitute a Legal Contract under Uniform Commercial Code.
II had talked to a representative about changing due date on my mortgage payment in XX/XX/2018 to the XX/XX/XXXX of the month because i get my XXXX check on the XX/XX/XXXX. HE said that it would not be a problem that he would change it.XXXX XXXX sent paper work for me to fill out. I marked due date because their representative said that he changed it to the XX/XX/XXXX of the month. He said nothing to me about any paper work! I filled out paper work, faxed it back. I got my monthly bill, still set up to take payment out on the XX/XX/XXXX! I called them and they said that i filled out the wrong date that i would have to send in an other copy to change the date so i did even though i did what their rep. told me to do! They still took out payment on the XX/XX/XXXX, causing an overdraft of XXXX dollars! Icalled them again and was told that i was supposed to write delete first set of paper work! No 0ne said anything about doing that! on XXXX XX/XX/XXXX they took out another payment, leaving me NO MONEY in my account! I called again and they said that I WOULD have to get copy of bank statement, fax to them before they could return my money! I had to borrow the money to fax them! now they keep giving me all kinds of excuses about putting the money back! They also increased my mortgage payment from XXXX to XXXX saying that my house insurance was to high! I followed the guide lines that they set! i truly think that this company is taking more of my money then is necessary! total overdrafts comes out to XXXX plus the mortgage payment of XXXX! I know that this does'nt seem like a lot but i only have my XXXX money and i have other bills to pay and i need money for gas to go to doctor appointments i can, t do anything until selene finance puts my money back! I hope that something can be done with them, because i know that i can't be the only one having problems with them!
I sent Equifax 2 dispute letters by now and all i know is that the accounts are listed as : Consumer Disputes information, I 've yet to receive letters regarding the outcomes of the disputes. More than anything I Want Equifax to provide me their verification process as IT IS MY LEGAL RIGHT UNDER FCRA 611 ( a ) ( 6 ) and ( 7 ) ... ... .... HOW DID YOU EVEN TALK TO THE COMPANIES!? THEY DO N'T EVEN LIST A PHONE NUMBER!!! SO I AM ASKING THAT EQUIFAX PROVIDE ME THE ''MAIL CORRESPONDANCE '' USED TO VERIFY THE ACCOUNTS WITHIN 15DAYS OF THIS COMPLAINT. ACCOUNTS IN QUESTION : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX/XXXX XXXX, 3 ) XXXX XXXX/XXXX XXXX, 4 ) XXXX XXXX  XXXX. I DEMAND TO SEE YOUR VERIFICATION PROCESS EXECUTED IN 15DAYS AS STATED IN FCRA 611 ( a ) ( 6 ) and ( 7 )
Good day! 
I was trying to get a approval to buy a house and I received this report on my Equifax credit bureaus that I was late on XXXX XXXX for 60 days in XX/XX/XXXXand XX/XX/XXXXmonth XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/XXXX andXX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Equifax bureaus.
XXXX IS REPORTING INCORRECT ACCOUNT INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT WAS REMOVED A YEAR AGO DUE TO ACCOUNT NOT BEING MINE.
I have disputed XXXX XXXX is reporting late incorrectly several times also attached a signed letter from XXXX XXXX on their company letterhead stating that the account was NEVER late and they still have not corrected their error.
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy.
Dispute was mailed certified on XX/XX/2019. This dispute was sent over to Transunion again because the account should not be in collections. I was able to send the dispute with a copy of the bill from the XXXX XXXX. The bill from the original creditor shows that the bill was not due until XX/XX/2019. XXXX XXXX  ( collector ) has been reporting this account as a collection BEFORE the bill was due. Transunion verified the account as accurate while other reporting agencies such as XXXX and XXXX were able to successfully DELETE the incorrect account within 30days attached is PROOF that the information on the account was not verified properly. Disputes as well as bill from original company.
XXXX refused to ad another person to my credit line with them because of negative information from Experian. Experian had placed a " Fraud Alert '' on my credit file. Experian has never notified myself of this fraud alert. When I called Experian they made me verify all kinds of information such as my bank account and drivers license information. Experian refused to explain to me how they obtained this information. I have not given anyone permission to obtain and keep my bank information or driver license information. I would like more information concerning my credit file with Experian. I would like a complete report with all this secret information that they do not share with consumers.
froze my account costing me money i cant pay my bills b/c i put a dispute that i've been hacked now i'm late on all my bill cra and ftc violations
I went to Wells Fargo here in XXXX, Idaho and discovered that {$300.00} was missing. I did n't get a good reason.
I have several loan types ( DLSTFD, STFFRD, UNSTFD ... ) and have applied for loan forgiveness through Fed Loan Servicing/US Dept of Education. I went through the very long and arduous process. Two months later I received a letter from FedGov stating my loans were " Paid in Full ''. The letter also showed the amount of my original loans and that my balance was XXXX on all XXXX loans. I called and spoke to someone who said this was correct, and that I had XXXX balance and would have no more payments. 
Two weeks later I get a call from XXXX XXXX ( who carried my loan ) saying my loans are now consolidated and will have a new amount to pay. I said " but I was told I had XXXX balance now '' and they had no idea what I was talking about and told me to call Fed Loan Servicing back. 
When I called Fed Loan Servicing back, they had no clue what letter I was talking about and said " we dont send out letters like that, we have no record of that letter ''. 
Every time I call them ( XXXX ) I get a different answer and can not get help. Please help me! I am a XXXX with my XXXX Degree and can not navigatge through this very confusing loan process!