WillisBack/dataset-financial-user-claim huggingface dataset:
Since the year XXXX I have disputed with the XXXX major credit bureaus after discovering several credit cards and other accounts opened without my consent. After 4 years of failed efforts on my behalf I obtained the assistance of XXXX XXXX, As of XXXX XXXX XXXX identity theft victims complaint and affidavit was filed with additional documents was submitted to Transunion XXXX XXXX and after a new investigation and verification of the claim made my whole credit profile was erased. The gross negligence of the XXXX credit bureaus since the identity theft occurred to present day has me disfranchised I unable to obtain financing for a new home, vehicle and even gainful employment. Currently they are reporting inaccurate incorrect & negative information on my credit reports I have several credit inquiries I did not make a account with XXXX which is open and current being reported as closed, the length of my credit history is incorrect several versions of my name as aliases and several versions of my address. I am domicile to XXXX, PA XXXX & a private mailbox mailing address as XXXX, Pa XXXX for security reasons to protect and prevent further identity theft.
Dear CFPB, I reside in a area that was directly affected by Hurricane Harvey and was declared to be in a Presidentially Declared Disater Area. It is my understanding that during the Moratorium initiated by an Executive Order from the President from on/or about XX/XX/XXXX to XX/XX/XXXX ; loan servicers ( CMS ) were not supposed to be reporting mortgagors as being late on their loans during that time period ... see below : XXXX " The servicer must suspend the reporting of loan delinquencies to the credit bureaus ... ... ..for borrowers that are impacted by the disaster '' XXXX As of XX/XX/XXXX I checked my credit report with both XXXX  and XXXX  and Carrington has submitted/reported deliquincies to them every month since XX/XX/XXXX until present. As I understand it, this should HAVE NOT occurred. 

I would PLEASE like this corrected as it is very damaging to my credit and causes derogatory information ON my report that is very harmful and possibly causing undue financial hardship as well. 

At the very least, if CMS was going to report derogatory information incorrectly, in spite of legal mandate, it should have been reported/coded it with a notation indicating I was in a FEMA Declared Disaster Area, which was not done. 

All I am asking is that CMS does what was supposed to be done under the law and FCRA be done and I will be satisfied. 

Very truly yours, XXXX XXXX
my names XXXX XXXX XXXX am the daughter of XXXX XXXX and well I do n't understand much bc she dosnt understand and what lil she know she tells me and she had not been aware of the fact that this company caliber home loans is another company from wich is not the original company she has the loan with that they were infact someone ealse whos helping her pay it off she thought that the orginal comapy has sold to them she was confused until I read THESE PAPERS TO HER CORECTLY. she has fell way behind due to her getting ill and being hospitalized I wich she lost her job as well as her vehicle shes trying her best now to do payments but she is now cofused and dosnt know whats going on at all except that shes behind and their telling her pressuring her to send more douments in to them of she WILL LOSE HER HOME ... .my mother has and dose suffer from XXXX XXXX we just now maybe 4 months ago have her doing well and coping with this but thes phone call she gets and letters in the mail are slowly takeing her backwards on what weve worked hard on we need help in as to whats going on and what they can do to help us get back on proper payments bc she canot afford XXXX and up payments every2 weeks. also in another letter she recived its stating that the company put insurance on the home and that she liable to pay it and those payments are more that XXXX a month. she cant afford this at all. 

also the person who has asked for this loan is still on this yet he does n't live their or anything at all nor dose he care we would like to know if theirs a way to remove him or what we can do about that as well ... because god forbid something happens to my mother and he try 's to come in and pay the rest off and try 's to take the property what then????
I obtained a {$35000.00} XXXX Loan with Bank of America in XXXX. This loan was solicited to me as a fixed rate, 60 month term loan. However, the loan was converted in XXXX or XXXX to a revolving account without my consent. I have tried unsuccessfully to resolve this issue with the bank to no avail. From documentation I 've received, the bank does n't know how much the loan was for or the APR nor the terms. I 've received letter stating the loan was for {$35000.00} then another XXXX saying it was for {$37000.00}. In addition, I had a Bank of America credit card during this same time and all the terms and conditions on this loan mirror my credit card. Based on my bank records, I have paid over {$70000.00} on this loan. It seems predatory lending at it 's best. I have researched online and I am not the only customers with this experience with this type of loan from Bank of America.
XXXX, XXXX, and Experian violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX  XXXX- {$670.00} XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to  consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.
I have XXXX deferred interest promotions on my account. 
1. {$720.00} which was taken on XXXX/XXXX/2016 and was for 12 months 2. XXXX which was taken on XXXX/XXXX/2016 and was for 6 months. 
During the cycle in which I made the XXXX promotional purchase, I also made a second payment to my account that cycle. I had already fully satisfied my {$25.00} minimum due for the cycle due XXXX/XXXX/2016 with a payment of {$29.00} on XXXX/XXXX/2016. Prior to my statement cycling, I made an additional promotional purchase ( # 2 ) on XXXX/XXXX/16. This was still within the same cycle ( my cycle closed XXXX/XXXX/16 ). On XXXX/XXXX/16, 1 day prior to cycle, I made another payment of {$50.00}. This payment was entirely " in excess '' of the minimum. Synchrony applied that full excess to the old promotion. I had to call to have it accurately applied, and was advised by the agent when I told her that this is a systemic gap, that they know it, but that she can fix it for me and I wo n't have the problem again. She indicated that this only happens when you make an excess payment in the same cycle that you took a promotion at a shorter timeframe than the existing promotion on the account. My issue is that not all consumers are Vice Presidents of credit card companies like I am, and do not understand that this is an Unfair and Deceptive Act/Practice. 
There are no disclosures in the issuer 's Payment Allocation statement that reference promotional purchases, and given that this specific product 's primary use is by customers who are making interest deferred promotions, this should be succinctly called out. The requirement deals with the interest rate in play, because the purpose is for customers making more than full payments to be able to repay the debt in a shorter timeframe with lesser interest charges. By not requiring the issuer who offers mainly 0 % deferred interest periods to not also disclose to the consumer how the allocation of excess amounts will apply when promotions of differing lengths apply, the consumer is unable to understand fully how to pay the account to accomplish the goal of " 0 '' interest if paid within the required timeframes. 
Please contact me directly with any questions XXXX XXXX XXXX Sr Product Manager, XXXX Vice President, XXXX XXXX XXXX XXXX
Date opened XX/XX/XXXX Original charge {$8400.00} Credit limit : {$11000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$11000.00} from XX/XX/XXXX to XX/XX/XXXX Loan type : credit card from US Bank XXXX, Ohio Message : I did not open any credit card from XXXX. It still reflect on my credit score. please help me to clear my name. 
Thank you.
I applied for a loan modification and have had documents pending since XX/XX/2016, They have never denied me, They keep asking for documents, and we submit them, over and over again, I went in front of the judge last month thinking the problem will be cleared up, but to no avail they are still saying they have not received documents. I am asking for your help in solving this matter. I just want to start making payments on the property.
I received a message of a charge to my debit card of {$550.00} to a hotel in a place Ive never been and called the hotel, then my financial institution to dispute this. I receive these messages for every purchase I make. Since I 've made several in 4 days, I was n't too concerned with opening the statements. However, as I reviewed my statement, there were several notable charges to my card that had enevitably wiped my entite account balance out out. I subsequently made a report with the hotel chain and called my local law enforcement filing yet another report. The following day, as I had to work all night, I provided law enforcement with copies of my account statement. I inquired to the financial institution on the status of this investigation and the following day several more times. I called every merchant yo inform them the transactions were not authorized. Some I received confirmation on, one attempted and others just reluctant to help at all. My financial instituion wo n't tell me when or if I will ever see my money back. I have called several times to the point they messaged me and said if I called anymore about that issyecIbwould be blocked from calling and only left to message. I 'm out money, plans, bills being paid, gas, food and no one seems to care. No one can provide any information and even when I ask if this account is Federally insured, I get the dispute team is working on it and when they have an answer they 'll send a message! No time line no nothing and then told to quit asking! I have read reviews on this finisvisk institution and have to say there seems to be some questionable dealings going on with what they do to their customers. This, in itself, should be investigated.
This number keeps calling me and saying they are  XXXX   XXXX   XXXX  trying to collect some kind of money from me. I told them I was paying the  XXXX  they said I owed so they said 'ok we can can split it in half for and ill take a credit card over the phone now for  XXXX  '' For one thing that is not half and they said I owe for some gym membership in South Carolina and I have n't lived there in over a year. He started getting real nasty with me on the phone and yelling at me. I do n't even know what this guy is talking about. I told him to leave me alone or to send me something by mail and I never got it. But he keeps calling me and now he is calling friends and my job telling people I am going to jail.
There are two accounts in dispute, both Capital One MasterCard accounts. On Sunday, XX/XX/XXXX @ approximately XXXX XXXX., I purchased merchandise/consumer good " Bitcoin '' in the amount of {$400.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One XXXX account " # 1 ''. Then, on Monday, XX/XX/XXXX @ approximately XXXX XXXX., I purchased merchandise/consumer good " Bitcoin '' in the amount of {$50.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account " # 1 ''. In addition, on Sunday, XX/XX/XXXX @ approximately XXXX XX/XX/XXXX., I also purchased merchandise/consumer good " Bitcoin '' in the amount of {$300.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account " # 2 ''. Bitcoin is a private, speculative non-cash " Cryptocurrency '' which I purchased for private investment purposes. It is no different than a purchase of any other merchandise item for investment purposes, i.e. : Classic Automobile, Antique Furniture, Famous Painting, etc., and it 's value is only based on variable individual human perception. Despite it 's description label of being a " currency '', it is NOT a traditional public currency as regulated, controlled, issued and recognized by established global Governments and their authorized, legal Banking institutions and Monetary Systems. ( Capital One itself does NOT even recognize or accept " Bitcoin '' as a legitimate legal currency! They will NOT accept " Bitcoin '' for payments, deposits, etc.! ) The dispute in question is not about the ( 3 ) above listed Capital One MasterCard charges - they are legitimate. It is regarding the fact that I have been charged " CASH ADVANCE '' fees for which I have received NO CASH! A CASH ADVANCE charge of {$12.00} on account " # 1 '', and a CASH ADVANCE charge of {$10.00} on account " # 2 ''. When I contacted Capital One directly by telephone on Tuesday, XX/XX/XXXX regarding these fees/charges, they stated that they would only " investigate '' the {$12.00} fee, but then adamantly refused to do anything about the {$10.00} fee. ( Interesting, is n't it?! ) They also refused to give any legal proof that " Bitcoin '' is in fact " cash '', neither could they tell me where I received this " cash ''. CASH, as defined by XXXX 's Law Dictionary, is : " Ready money ; whatever can be used as money without being converted into another form ; that which circulates as money, including bank-bills. XXXX v. XXXX, XXXX XXXX. XXXX ; XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX ; XXXX v. XXXX, XXXX XXXX. ( Va. ) XXXX ; XXXX v. XXXX, XXXX XXXX. ( N. Y. ) XXXX. '' As you can now CLEARLY see, " Bitcoin '' does NOT fit this legal definition whatsoever! These actions by Capital One obviously constitute both FRAUD and THEFT, and demand is hereby made that Capital One immediately withdraw these illegitimate " CASH ADVANCE '' charges without any further delay.
To whom it may concern, Over the past few months since the account was opened in XX/XX/XXXX. Regions has not only charged me over {$180.00} in overdraft fees caused by disputes they refuse to actually investigate. The bank also refuses to refund the fraud that occurred in XX/XX/XXXX and XX/XX/2018. I noticed these fraudulent charges on that were multiple duplicates for XXXX XXXX, A XXXX XXXX Bank ATM withdraw for {$400.00} and several other charges including one for XXXX. These charges all occurred after I lost my card, and then it was stolen. I locked it promptly. Called up their XXXX number, was told by the customer service agent, and the manager that they cant assist over the phone. Even though I explained in detail. After this I got online sent a secure message which took them two weeks to respond. I signed an affidavit. They never even investigated. Never placed temporary credits. Regions then proceeds to tell me that I authorized all of these. When I called to ask for proof because I know I did not, they said send them a police report or there is nothing they can do. This is crazy. XXXX XXXX would have gotten on top of the fraud and refunded me. Regions didnt even attempt to investigate and instead just assumes I should be liable. This is very upsetting and I have tried contacting them numerous times without resolution. 

Second issue is I have noticed this month a couple of charges keep appearing twice. I have notified them of this as well to submit a dispute. They also refuse to investigate this.
I sent Transunion sworn statement of id theft for accounts on my report that is not mines. The accounts below are not mines. The XXXX account on my report that is mines XXXX ( XXXX ) is more than 10 years old and the refuse to remove. All other reporting companies have removed it. 
Accounts below are all ID fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX I also have have XXXX XXXX forms from XXXX but these accounts still show on report as Charge offs. They should have been removed.
I disputed a fraudulent account with Portifolio Recovery Associates in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Through inadequate data protections, Equifax, has allowed mine and millions of others very personal identity data to be leaked. ( Their own site acknowledges that my personal data was likely included in the breach. ) While the breach itself should be investigated and prosecuted. Equifax should bare extraordinary responsibility and fault in this breach, as I as a consumer have no choice in protecting my data from Equifax and other credit agencies themselves, should I wish to participate in the modern economy. 

To make matters more egregious, their recourse is to provide me with a credit monitoring service, which i myself must manually engage, and maintain. And yet still this will not protect my credit and identity. It will simply alert me once the a problem has happen. To do this would, i would need to at minimum freeze my credit, which I must purchase, at my own expense.
On XX/XX/2015 an account was open to cfraudulently. with a balance of {$1500.00} I have made attempts to contact them of this matter to only be referred to a collection agency XXXX XXXX in which they have sold the account to followed by ( writing off as a bad debt ) i notified XXXX XXXX  and XXXX XXXX XXXX XXXX that this is not my account. this collection harmfully effects my credit score. the account number where this debt can be found for XXXX XXXX  is XXXX account number with XXXX XXXX XXXX XXXX Unknown. a letter was sent to both companies followed by the police report attached for Deceptive practice
Greetings, today I received my statement from Barclsycard and noticed how high my interest rate is. I 've been paying on this credit card fir a white, without any other purchases. 
Yet the amount owning is not going down, so I spoke to a manager named XXXX who could n't answer my question as to why they could n't lower my interest rate. XXXX then transferred me to XXXX supervisor who basically gave he the same bull. They gave my interest rate at 22.4 %. Which I find outrageous. They make it impossible for consumers to pay off the debt by keeping the interest rate high. When asked why they could n't lower my interest rate? I was told they could explain why. I 'm requesting that Barclaycard lower my interest rate immediately. I have been a great customer to barclaycard, I have never been Late on my payment. I was told by the sales agent when I applied for the credit card that my interest rate would be 10 % because of my great credit score. I found out later that was a Lie. I 'm requesting that Barclaycard lower my interest rate, so I can get this credit card paid off. The account number ending in XXXX.
Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by Experian, XXXX, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly.
A. XXXX B. XXXX C. Experian : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX. 6. XXXX, fraud : Le
arn some manners and respect whomever you speak to when doing business. Remove all fraud and
error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is XXXX.
A copy of this letter was sent to IQ Data International requesting for the fifth time to remove the negative credit reporting to XXXX, XXXX, and XXXX  due to an improper serve disputed in court and the case was dismissed and granted in my favor. 

XX/XX/XXXX IQ Data International, Inc Attn : XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Re : Acct # XXXX XXXX XXXX : This is my fifth verbal or written request to IQ Data International requesting to remove collection debt {$4100.00} on my account connected to Case # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  vs.  XXXX XXXX. This case was dismissed on XX/XX/XXXX at the Plaintiff/Petitioner representing the Landing at XXXX XXXX connected to this case filed in XX/XX/XXXX 

After legal consultation on XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the Law firm representing the Plaintiff and Creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was contacted to immediate resolve the default and judgment debit. 

This negative credit reporting has hindered me from obtaining housing in all of California, without good cause, therefore, slandering my reputation as a good tenant because of an improper serve after seven and half years of tenancy at XXXX XXXX XXXX XXXX XXXX. 

This has been already disputed with Experian, Equifax, and Transunion to remove this collection in XX/XX/XXXX and prior numerous times. 

If this collection is not removed off my credit reports immediate, I will pursue with legal counsel representation to sue under the Federal Fair Credit Reporting Act and Fair Debt Collection Practices Act for Civil restitution allotted under the laws. The validity of the collection is connected to this case. 

Please find attached the Court Request For Dismissal from the Law Firm representing the Plaintiff and letter to the law firm. 

Is IQ Data International , Inc., above the federal laws ; that this agency does not have to abide by the federal laws? 

Respectfully, XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX or XXXX has reported on my credit report over 4 times. I have asked them to remove the credit line reporting and they refuse. This is damaging my credit as others see this and might try to subject me to high interest loans.