WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, ACE Cash Express and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about XXXX or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
XXXX-2017 To whom it May Concern : In XXXX of 2017 I realize in my credit report that appears some accounts that do not belong to me : Portfolio recovery # XXXX balance in collection of {$520.00} XXXX XXXX # XXXX balance in loss of {$520.00} I have never held accounts with these creditors and have never lived outside of Puerto Rico. The credit report reports an address in the United States that does not belong to me XXXX XXXX XXXX XXXX XXXX MA XXXX. I need not mix personal information of another person in my credit history.
It seems that I am going to need to speak with an attorney in regards to the fact that XXXX XXXX and Equifax will not remove this account that is fraudulently on my credit file. I 've already make 2 complaints with your organization and nothing is being done to assist me. Here is my 4th letter to Equifax and the office of the attorney general : This letter is being sent to both parties : the office of the Attorney General as well as Equifax Information Services. This is now my 4th letter in regards to accounts resulting from identity theft reporting on my credit file and although XXXX of the accounts has been removed, this XXXX XXXX XXXX account # XXXX remains. I still have not heard back from the AG 's office and I continue to receive letters from Equifax stating that this information has been verified. 
I will make this very clear : # 1 I did NOT apply for, open, obtain, maintain, make payments on an account with XXXX XXXX XXXX # 2 I am a victim of ID theft # 3 I do not have a vehicle with this company # 4 My name is NOT XXXX XXXX. My name is : XXXX XXXX XXXX XXXX and that is how all of my debit and credit cards state # 5 XXXX XXXX states that the person making payments has the name of XXXX XXXX listed on the payment card and there are XXXX people with the same name - it was NOT ME # 6 I already stated that I do n't care if this vehicle, that I do n't have, is repossessed, if an APB is placed on this vehicle : I do n't have it, I never had it, I did n't apply for it, I have n't been making payments on it and the person who obtained this loan had my identification and other documents. 
# 7 I requested the documentation verifying this account as mine and I received nothing - in XXXX V XXXX, 1997, it states that if XXXX had acquired the actual documentation for the account and had done a handwriting analysis that they would have known that the consumer did not open the account. Congress also rejected what TransUnion stated when they said that the burden lies on the consumer to deal with the issue. 

This is not my job - this is YOUR job and you 're doing nothing to assist me! This is why the FCRA was enacted in the first place - because of the ABUSE by the CRA 's! 

Please block these within 4 business days under FCRA 605B and provide a full investigation : XXXX XXXX XXXX XXXX - I did not open this account ; block this pursuant to section 605B within 4 business days - I already told you that my car was broken into and that someone opened this using my information
For the past XXXX months, XXXX XXXX XXXX XXXX has been actively sending me promotional materials about their credit card and its associated benefits. The benefit that was appealing was that after spending {$3000.00} in the first XXXX months, XXXX would credit my XXXX XXXX rewards program with XXXX miles. After spending more than {$3000.00} during the first XXXX months, I called XXXX to inquire when my mileage credit would occur. I was advised that since I was a credit card holder XXXX years ago, these " reward '' miles would not be credited. I was totally surprised and due to their inability to address their own promotional information, I have closed my account with them and will probably never do business with this organization that undertakes consistent false advertising.
On XX/XX/2019 I was charged two {$35.00} fees for debit card transactions. XXXX XXXX charged {$12.00} and XXXX charged {$9.00} for my monthly subscription. I was told when opening my checking account at the XXXX, MN location that I had the option to " Opt-In '' to Overdraft Protection for my debit card. I was told that if I Opt Out and use my debit card, they can decline the transaction, which is fine with me. I opted-out because I feel its senseless to pay a {$35.00} fee for a small pos transaction. 
Well, Wells Fargo failed to let me know that they still have a secret way they can charge me fees for debit card transactions, by constantly using the word " Recurring ''. This is a massive issue and of course its Wells Fargo creating this situation. 

I contacted Wells Fargo customer service regarding my account and told them I am not paying those two fees as I opted out of that service and they stated its different and its recurring. All they could continue to say was the word " recurring '' and that its legal for them to do this. I did not agree to this, I was not informed of this, and I would NEVER in any world authorize this. 

Wells Fargo told me they would credit back {$17.00} of the {$70.00} in fees. That is unacceptable, I will not pay a dime for any of these fees I did not agree to. 
It is kind of funny how even after hundreds of millions of dollars in fines for behaviors similar to this, they have concocted a way to continue to bilk consumers out of likely millions of dollars in overdraft fees using this magical word called " recurring. '' No where in any of my checking account paperwork did I agree to this. 
I feel this is a form of fraud and I urge the CFPB to look into this matter.
On XXXX/XXXX/XXXX I had a fraudulent charge of XXXX in my credit card, I discovered it when I looked my transactions online on XXXX/XXXX/XXXX, I contacted their fraud department the same day, the charge was credited. 
On XXXX/XXXX/XXXX XXXX am I contacted a supervisor named XXXX, in order to complain, because I was never contacted by the CC company to alert me about this transaction, that 's completely out of my normal transaction during the 15 years that I 've this CC, the answer was that they did n't have my authorization to contact me, how could a company state such an stupid excuse?
On XX/XX/XXXX I tried to retrieve my free credit report, but could not get it because the preselected security questions did not match any of my personal information tied to my name, date of birth, and social security number. In XX/XX/XXXX my mailbox was broken into and my my mail stolen, but the local police caught the suspect and I began the task of filing a report to pursue criminal charges for identity theft. That same year my family 's apartment I was watching was burglarized and my briefcase was stolen containing pertinent vital information on myself and my child. I have a Offense Report, but have never heard back fro the United States Postal Service or the local investigator handling my case. I was shocked to learn that my data is now linked to credit cards, home loans, car loans, and bank accounts through the questions asking specific details showing my personal data linked to these charges. When I was unable to make a correct match I could not receive my report from Experian or XXXX because the automated questions think I am the thief and I must now prove who I say I am to both these agencies.
My home is scheduled for sherrifs sale XXXX XXXX, XXXX. I have been asking every since I got the " according to our records '' letter from Caliber home loans for some sort of proof that they own the loan. I have most recently asked for a copy of the note and have not, as of yet, received it. When I have asked ( and I have asked multiple times ) why it is not yet registered with land records that Caliber now owns the loan, I was told it was submitted on XXXX XXXX, XXXX and is pending. Not only until I questioned this and contacted land records myself, so I get the response from them, oops, sorry, that was wrong. I have downloaded, from the sherrifs sale site that XXXX owns the the loan. It was submitted XXXX XXXX, XXXX and filed XXXX XXXX, XXXX. How can Caliber sell my home if they are NOT the owner of the loan?
On XXXX XXXX, a QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT, VALIDATION OF DEBT LETTER, & TILA REQUEST was sent to Nationstar Mortgage on behalf of our client. Per RESPA law, we are required to receive written acknowledgment within a few days. On XXXX XXXX, nearly 17 days had passed with no acknowledgement. I called Nationstar and spoke with an agent who faxed me an acknowledgment letter dated for XXXX XXXX, advising their goal was that a full response to our request would be provided no later than XXXX XXXX, 2015. As we have crossed that deadline, today i called Nationstar to find out where our legally required response would be. I was advised by an agent named XXXX, that although they acknowledged receipt of the QWR verbally and in writing, and even established a time frame for this response - that Nationstar has seemingly ignored the complete request and we would have to send another to POSSIBLY get a response. As this violates RESPA and TILA protocols, we have escalated to complain through your regulatory agency, who has jurisdiction over RESPA matters.
There is XXXX State of Ohio tax lien still showing on my report that were withdrawn XX/XX/2017. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Ohio State release forms ( which I will also attach here for you ). I have also verified and sent this to the other credit bureaus XXXX and XXXX and they have removed the lien from my credit report immediately. Equifax continues to improperly report the lien and refuses to recognize the withdrawal and removed it from my credit report.
Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : Equifax and XXXX  Report Date : XX/XX/2018 Collector : XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
XXXX XXXX XXXX XXXX Creditor : XXXX XXXX, XXXX. XXXX  XXXX Account XXXX. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, XXXX Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations XXXX is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the XXXX XXXX XXXX XXXX, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this XXXX XXXX continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with XXXX their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as XXXX as XXXX with no negative comments. The XXXX XXXX account numbers are Identical to the XXXX Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as XXXX is reporting. I have done a bit of research on XXXX XXXX and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/2018 reports from Equifax and XXXX  and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the XXXX XXXX XXXXXXXX receipt of the application including the date submitted.
Barclays inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. I am losing thousands of dollars because of their inconsistent and therefore inaccurate reporting. 

My report dated XX/XX/XXXX showed 7 90 day lates. Also the history shows that in XXXX it was 4 times late but then in the report dated XX/XX/XXXX shows it 5 times late. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. Then on my report dated XX/XX/XXXX the information changed to 33 90 day lates. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a XXXX point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screen of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be XXXX by XXXX points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Barclays is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit score.
To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX and I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are wrong, since the only names I have ever used are XXXX XXXX, at birth and XXXX XXXX. I have also never lived at : XXXX XXXX XXXX XXXX XXXX XXXX. This address belongs to my sister, XXXX XXXX. I presently live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and before that I live at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXX, XXXX, some of those addresses belong to my sister, not me. 

I am contacting you so that you may correct these errors and to make you aware of the fact that you are linking my financial records with my sister 's, XXXX XXXX, and my mother 's, XXXX XXXX. When we look at each others financial records we can see that we all share addresses and accounts that belong to one another. I have never had a XXXX XXXX credit card, but my sister, XXXX XXXX has. I need my financial account separated from that of my family, because of these errors, when I request a change of address, my families mail is also redirected, as it seems we are all the same person. I have provided documentation to prove my name and addresses, along with my mother and sisters information so that we may be separated from one another. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX
I received repeated calls from a company claiming to be collecting a debt from a XXXX year old XXXX acct in the amt of {$42.00}. I asked repeatedly to send me a proof of debt or anything showing a bill where I owed. I never received anything from them but, an email with a letter attached with their company letter head and a line saying I owed them. Then during this process I moved to XXXX and started the finance process of buying a home. Due to the amount of time it takes up here to close my credit with the lender expired causing them to run it again. When they ran my credit again my score dropped XXXX points thus raising my rates because Enhanced Recovery Co. ( ERC ) reported the {$42.00} debt to the credit bureaus. I immediately called ERC and disputed the claim. They advised me that the only form of communication sent to me regarding the debt was mailed to an address I no longer live at in XXXX. I asked why they never contacted me in other ways ( phone call or email ) and they gave no explanation. They emailed me a letter ( illegal in the XXXX ) that went to the credit bureaus ( attached ) at that point requesting it be deleted from my record. At this point my mortgage has risen from {$1800.00} to {$2000.00}, up {$160.00} a month over a {$42.00} debt that no one has provided me any proof of owing. How is this legal? I close on my house in a week and XXXX XXXX has asked for a " rapid re-score '' but the timing of the credit bureaus removing is not immediate and the company that re-scores takes 3-5 days and is currently waiting on an additional verification from ERC that it was submitted for deletion? How do they get the right to verify the deletion when they received a letter from ERC but I am not provided with any verification when I request it. All of this over {$42.00}.
#  XXXX   )   ARS  {$890.00} i  XXXX   XXXX  have contacted  ARS  about this debt. However, they referred me to send a signed    XXXX    statement, and this debt is still on my credit report.
After losing my job in early 2010 to the downturn in the XXXX  industry. It took me years to find good work and I did all I could do to take care of my family. Today we have fixed are problems my wife get her SSI and contribute that to the household and the only way I could get a good income was to start my own company. After a few years of startup expenses. I now have stable income to pay for my family Home and bills. We are asking for a modification payment with tax and ins we can afford that will let us keep are family home I know Rushmore did offer to put us in a repayment plan that we can not afford XXXX down and {$2300.00} a month for 12 months just to catch up and still not have a modification they say will deal with that then.
Upon my divorce back in XX/XX/XXXX, my ex-husband relinquished all rights to the home/mortage we acquired together in XX/XX/XXXX. Since then I am the sole owner and responsible party for payments and related financial obligations. I have kept my mortgage current and have requested my lender to remove my ex-husband 's name from the loan on several occasions. The last time I was asked to submit the request in writing which I did in XXXX XXXX. The lender send me an acknowledgment on XXXX XXXX but will not take action. I have kept calling to inquire on the status of my request and no one can give me any guidance. Please help.
I made a purchase at a XXXX XXXX store for a new sofa, chair and ottoman. I was told the sofa was in stock on the date of my purchase ( XX/XX/2018 ) and that I would be charged for the sofa as it was not considered a special order. I proceeded with the purchase and scheduled the delivery of the merchandise for XX/XX/2018. I received a call on XX/XX/2018 letting me know they had made an error and the merchandise was not actually available or in stock and there would be a 60 day delay. I asked for a refund as I had already been charged and paid off my account balance and was told that this would be processed. On XX/XX/2018 XXXX XXXX refunded the amount of {$2700.00} and again on XX/XX/2018 XXXX XXXX refunded the same amount in error. On XX/XX/2018 they caught their error and reversed the charge and it showed on my account as an Ecommercecallcenter charge as I had called to ask about the refund that I had not received. On XX/XX/2018 XXXX XXXX charged me for the remaining items in the order ( chair and ottoman ) in the amount of {$1900.00} and proceeded to charge me again for the sofa onXX/XX/2018 in the amount of {$2700.00} and also charged my account for a provisional credit reversal of {$2700.00} which made my outstanding balance as of XX/XX/2018 {$7500.00}. I immediately called them again and was told that they would correct this to reflect the credits for all of this and was only provided an adjustment for {$1900.00} on XX/XX/2018 and {$2700.00} on XX/XX/2018. I again called concerning the {$2700.00} that I had been charged for and had paid in full and was told that they would start a dispute resolution to rectify the situation on XX/XX/2018. I received an email on XX/XX/XXXX indicating that they were still researching the overcharge and I again requested the refund of the amount I had of {$2700.00} for merchandise that I never received. I requested and received another message on XX/XX/XXXX indicating the account was still in dispute and to expect a message within 30 days. On XX/XX/2018 I received an email from XXXX XXXX ( the credit company for XXXX XXXX ) indicating that XXXX XXXX determined that I had no funds due back to me. I again sent in the supporting account summary, XXXX spreadsheet of the charges and credits on my account and was told that they would research it further. I have filed for status on XX/XX/2018 and supplied the same supporting information and documentation on XX/XX/2018 and received the generic response back on XX/XX/2018 that they would research this and respond within 30 days. I have spent hours of my time on the phone and emailing with XXXX and XXXX XXXX and have even reached out to the parent company XXXX XXXX trying to resolve this matter with no luck or progress made. I do not know what to do next as their company has had my money since the beginning of XXXX when I paid the account in full for something I never received but was charged for. Please let me know what steps and rights that I have to proceed.