WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has been difficult to work with from the beginning. My girlfriend was the primary person on the application and she tried returning the product less than 5 days of having it. She called the salesmen and the company in XXXX and they told her too bad she had to keep the product even though the loan was " secured ''. My girl friend left her job because they were calling multiple times per day and her manager was mad that she was receiving personal calls at work. They threatened to garnish her wages and told her that they would make her pay either way. They have not updated any information on my XXXX report since XX/XX/XXXX. I pulled a report from XXXX on XX/XX/XXXX it showed a balance of XXXX in XX/XX/XXXX. However, on the XXXX report pulled XX/XX/XXXX they show a balance of XXXX. XX/XX/XXXX I had a XXXX  report pulled and it shows the reporting XXXX dollars from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX had court case was finalized against my girl friend for this account in the amount of XXXX but on my report XXXX dollars. We have received no more letters or correspondence since then. My XXXX XXXX report is showing this account currently listed as Castle credit and has not been unpdated since XX/XX/XXXX. My XXXX XXXX  report is listed as XXXX XXXX. I have disputed this information because this account because no similar accounts even show up on my XXXX account. My girl friend is showing the Castle Credit on her XXXX and XXXX XXXX on XXXX but not on XXXX.. Per my bank it is illegal for both accounts to 1. choose which report they are going to report to and 2 have 2 companies reporting for the same account with different amounts.
I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my XXXX report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need XXXX to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.
We were sending money through  Western Union and mixed up the maternal and paternal surname on the form fields. When our daughter tried to pick up the money, she was denied because the names were reverse. Fine. We contacted WU to h ave them change the names. They could not do that so we had to cancel the transaction. Then they would not cancel the transaction. We went online ( the same way we placed the order ). We were verified and the chat person said they wanted to call us on the phone. We have no reason to give them a phone number, and we were verified online. They refused to cancel the order. We had to call our credit card company and report fraud because of their actions.
A few months ago ( for the first time ) a tax lien appeared on my credit report from 2012. I immediately disputed it - only to have Transunion update it as " paid. '' I do not dispute that there is a case and docket showing where a lien was filed and then paid. I dispute that the filing ever should have happened. The tax assessors office admittedly did not mail the notice to the correct address - prior to filing the lien. It is my position that because this was the tax assessor 's office error and not mine - it should not be on my credit report. Moreover, Transunion has an obligation to ensure that the information they are reporting is valid. I have requested the investigation notes, persons interviewed and have not received that information yet.I only get general language about how investigations are conducted in general. Transunion has failed to verify this information and are only reviewing that it was filed. I have also reported this to the XXXX ( Case XXXX ) and with CFPB ( XXXX )
Netspend charged me too many fees .they refused to dispute a transaction fraudulently made in another state. Then they closed out my account and told me they sent a check that I never received after almost 2 yrs. They also informed me that they sent a check to an address that doesnt belong to me and told me theres nothing else they can do. These reps are rude, they hang up on u and when I ask to speak to a manager they say they are the manager or no speaking to a manager wont make a difference. This prepaid card Netspend and bank is a disgrace. Even their advertisement is wrong. They over charge fees and they dont secure your money as they should and are not willing to give back when they XXXX up. I just want people to have a heads up about this company because they are a legit scam
We have a mortgage with Ocwen that matured XX/XX/XXXX. Ocwen notified us that we still had {$29000.00} of unpaid principal. We disagreed with that amount. Ocwen would not budge. We hired a firm called XXXXto handle an arbitration to either reduced that amount or the 10 % interest rate.This was XX/XX/XXXX. We paid {$2700.00} although we were told ito retain them was {$1700.00}. They assured us that they could take care of it before the maturity date. They didnt. And we were billed an additional {$500.00} twice. Now I cant get them on the phone. I have email, text, fax with no response. Can you help us. I dont know whether to file bankruptcy or go back to Ocwen. My husband is on XXXX, I have XXXX  and XXXX and this need to be taken care of. I dont know what to do.
Hello, I requested a re-investigation from Equifax for XXXX accounts that were supposed to be deleted from my record. I have attached the letter from the original creditor stating they are closing the accounts. Equifax has done their re-investigation and sent a return letter stating they have verified these accounts and item belongs to me. I am unable to get Equifax to remove accounts from my credit file. Attached is letter from Equifax & letter from XXXX XXXX ststing they contacted Equifax to remove from my file.
I had an auto loan with XXXX XXXX XXXX. The vehicle ( XXXX XXXX  / XXXX / XXXX-4 CYL ) needed repairs in which I took it to a repair shop. The owner XXXX ( ( XXXX ) XXXX ) gave the cost of repairs. I then decided to a voluntary repo in which the vehicle was supposed to be picked up. I should only be being billed for the difference of what it was sold for. I should not be being billed for the full amount of the vehicle. I've tried numerous times to negotiate this cost with them to no avail.
I am responding to your contact about collecting a debt. I would like for your company to provide me with competent evidence that I have a legal obligation to pay you. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested. this is not a request for verification, or proof of a mailing address, but a request for validation in pursuant to the above named title and section.
XXXX XXXX XXXX # XXXX -each bureau reports a different date of last activity Date XXXX  ShowsXX/XX/XXXX Experian Shows XX/XX/XXXX XXXX  Shows XX/XX/XXXX Experian, XXXX, XXXX is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.
Transunion is Seriously dismissive when you talk to them on the phone. 
Obviously, they do not teach Customer Service Skills. 

My credit score was recently bumped up to over 700 for the first time in my life and after working on my credit for the past 5 years.

I was awarded a {$5000.00} credit limit with a retailer in order to obtain a gift for my wife. I used {$660.00} of that credit which works out to just over 10 %. 
Although my credit report shows I have 100 % payment record and only 14 % of my entire credit limit ( I have 4 credit cards ) none of which are delinquent. TransUnion DROPPED my score by 136 points in a 24 hour period. Nothing had changed on my report except the retailer had reported my {$5000.00} limit.

TransUnion had been the only credit agency that allowed this to happen. It had no effect on my score with any other agency.

I called them ( Transunion ) several times with no result and a very dismissive attitude in which they offered no guidance, no offer to assist in anyway. No explanation as to way this happened, no offer to investigate, ZERO assistance. I am now taking Legal steps against TransUnion and reporting them to every Federal Agency concerned with consumer credit.
mailed letter to Equifax on  XXXX   XXXX ,   XXXX   asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  and  XXXX   XXXX  still confirms that Chapter  7 is   verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy Court stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time. Chapte r 13 w as deleted.
I have a mortgage with Ditech Financial. My Escrow account for 2017 is incorrect. I am being charged four times a year for taxes instead of two. My account is showing XXXX amounts of XXXX when there should only be two per year. Ditech is also incorrectly charging me for Earthquake insurance which I do not need and have never needed. I have insurance both through my condo association and XXXX. Ditech has copies of both insurance policies and they are in my record. Both are paid by me and not by Escrow. This is incorrect. I had contacted Ditech and had my escrow analyzed by Ditech at least 4 times in the past month and each time the amount is still incorrect.
I am filing a compliant against Credit Corp Solutions Inc with the CFPB, I am compelled to demand that you provide communication exclusively through printed letter on the status of ownership and how was the account assigned to your office. However, in my records I am STILL unable to locate documentation that Credit Corp Solutions Inc ARE IN COMPLIANCE WITH XXXX LAW 1319.12 Taking assignment of debts. I still do not have any records of OWNERSHIP from the unknown Third Party collections agency ( Credit Corp Solutions Inc ) Please contact me about this debt in writing, to me at home. If this reasonable request can not be met, this may indicate Credit Corp Solutions Inc. disregard for consumer protection statutes. The correspondence has no reference to the transfer of title of ownership ( Bill of receipt, lien, UCC-1, UCC-3 ) I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to close on my home purchase.In addition, court case opinion XXXX. XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. I have attached a CREDITOR DISCLOSURE STATEMENT if you could file this out and return it
Bank of America issued me a new credit card because my account number was compromised in a data breach. I received the new card and began using it around XX/XX/XXXX, authorizing payments from my checking account on time through the online bill pay feature on Bank of America 's website. In XX/XX/XXXX ( several months after I received the new card ) I went to the Bank of America website and authorized automatic payments from the same checking account for the full amount of each credit card bill since I was going to be traveling and did not want to miss a payment. For some reason Bank of America did not withdraw the funds to pay the bill in XX/XX/XXXX and XX/XX/XXXX as it should have with the automatic payment setup. Instead, Bank of American reported to the credit bureaus that I was overdue on on my payment, reduced the line of credit on the card significantly, and closed a separate credit card account. Upon later speaking to a Bank of America representative, it became clear that the bank had not updated its online bill pay system with the new card number that it had issued to me several months earlier. Apparently, because Bank of America associated the account with the inactive card number, it withdrew {$0.00} each month even though I had used the card. As of XX/XX/XXXX, the Bank of America bill pay system still reflected the old card number ( a screenshot of the bill pay website showing the old card number associated with the account is attached to this complaint ) even though it was inactive and the new card was active and being used. As a result of Bank of America 's error in not updating its online bill pay system to associate my account with the new card that it had issued to me because of a data breach, it reported that my card was not paid on time to the credit bureaus. Upon learning that the card was not paid via the automatic payment, I immediately made payment over the phone from my checking account. In acknowledging the error on its part, Bank of America refunded the interest charge it had put on the account. Unfortunately, Bank of America refuses to remove the derogatory credit marks on my credit report.
See below : I would like to register a formal compliant with your organization for allowing my personal and financial information to be used by an unauthorized person. While you all approved an application in the amount of {$750.00} in XXXX XXXX, 2015, as told to me by XXXX of your associates in the fraud department, out of sheer luck the account was never funded. Having already disputed the original inquiry on my credit bureau file, only to have XXXX tell me you all have to remove the inquiry because you all claim it is legitimate. Now I find out that you want me to fill out an FTC form, file a police report and then possibly you might correct this huge mistake. So not only was I a victim of fraud, you all victimize me again, because you provide more protection to the criminal then you did to me ... your response to me for not releasing the information on the application that was submitted was for the privacy of the individual who submitted the application ( the criminal using my personal information ) on XXXX XXXX. Which again you approved then did n't fund because you found some irregularities ... even with all of that you did n't feel the need to notify me of this fraud. I find it unbelievable that as a victim of fraud with your organization that you would continue to perpetuate this fraud by not bringing this to my attention and then not bringing in Law enforcement after you all recognized the fraud and yet you continue to protect this criminal even after I brought this information up again when you already knew it existed. I wonder if your goal here is to allow this type of behavior to continue as long as no one says anything. 

XXXX XXXX
I have sent in documents as I qualify for disqualifying status to have debt discharged, and they just keep calling and calling. They have called my neighbors, they have called my boyfriend and disclosed the amount of the debt, who was the references on the original loan, and any details that they have.
Capio Partners alleges that I have an outstanding debt with them from a hospital visit from over three years ago. According to NJ fee law ( XXXX ), " No health care provider may demand or request any payment from any person in excess of those permitted by the medical fee schedules and this subchapter, nor shall any person be liable to any health care provider for any amount of money that results from the charging of fees in excess of those permitted by the medical fee schedules and this subchapter. '' My car insurance company paid according to the NJ fee law, and I have the bill, receipt, and fee schedule sheets to prove that. I have faxed these records to Capio and they have refused to acknowledge receipt of them : putting me on hold, hanging up on me, etc. It is not my fault that the hospital was unaware of the law, which clearly states that the insurance pays according to the NJ fee law and the remainder of the money owed must be wiped and can not be the insurance or the patient 's responsibility. My credit score includes this debt to Capio Partners -- it is of course in the amount that is leftover after the NJ fee law funds -- even though I have legal proof that I do not owe this group any money.
Credit report continues to show duplicate accounts that will not be removed. After running the Experian score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.
Since 2009, I have received student loans and have them serviced by Navient. Since them I have struggled to pay the payments on time. Calling Navient and requesting help is a waste of time. I have requested forbearance, IBR plans, etc and have only run into one person who actually allowed me to do it with one loan. Otherwise, apparently I am not eligible for no specific reason.
After reading about the recent CFPB complaints, they sound very similar to my experience with Navient.
I called customer service at XXXX at the number of XXXX on the phone with the Rep asking for the number of a cell benefits insurance. On the phone for XXXX mins XXXX sec The rep did n't know of the benefit and transferred me to another rep. The other Rep did n't know anything I ended the call and Tried The phone number of XXXX. The Rep XXXX tried to verify my account Verify about my name, my address, a car loan, how much I was paying for this. Then asking me for my password on the account. The Rep before was able to verify that password the first time I called. XXXX said my password did n't match and could not help. He transfer me to XXXX who was a SUP. Asked all the Same questions then told me she could n't verify the account as well. Then Then transferred me to a manager XXXX XXXX also told me she could n't help. XXXX started fighting with me that she could not help. She kept pulling me on hold for long times of XXXX mins. Then hung up on me. I was on the phone for XXXX and XXXX XXXX. I then called back at XXXX I talked to XXXX in FL she told me she was able to verify my account and change the password. I told her I wanted to be compensate for the bad customer service after being on the phone with her and her talking to her manager after verifying my account and changing the password on it. The manager XXXX told me she was not able to verify and would not help me. after being on the phone again for XXXX mins. 
Desired OutcomeI would like to be compensated for the XXXX mins of wasted time. How customer service tried me.
I have disputed bankruptcies on my credit report multiple times, after submitting a federal judges court order redacting my information. An representative of Experian by the name of XXXX XXXX personally closed out disputes making it difficult for me to reinvestigate. He has placed an alert on my file for no one else to assist me and when I am transferred to him he has not returned my phone call or answers the phone when you reach out to a different department the consumer assistance division told the switch board not to allow me t speak to any higher ups higher than his department.
I have been doing my due diligence to pay off my student loan debt. I have been in constant contact with the department of education and debt management and collections. I was notified how much I owe and who owned my debt. I have been paying for nearly 9 months now and yet I have three different collection agencies ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX ) contacting me telling me I owe money. Each claims to be collecting a debt from Navient ( which is what I am currently paying ). The amounts are extremely high ( nearly {$100000.00} ) in comparison to what I have been told I owe ( a lot less than that ). 

The department of education has told me these are fraudulent and that the money is not owed and told me to contact Ombudsman who opened three cases ( today  XXXX/XXXX/2017 ) and told me to turn it into the Consumer Financial Protection Bureau. These collection agencies have not only called and called and called me but have started harassing my family.
Received free credit report from Transunion XXXX. Paid {$1.00} by credit card to get XXXX score. They took credit card and began billing me for credit monitoring which I had not requested. Very difficult to cancel program with no refund.
This person called my father on several occasions ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) and left him messages about me. I did not give his number to this person. I have not received any phone calls to my phone at all.
My student loans were previously held by  XXXX   XXXX , which were eventually sold to  Navient.  I 've always paid online and up until recently I was able to make an extra payment on my loans that was applied THAT MONTH to the outstanding loan principle of my choosing. This was a valuable tool that allowed me to pay off my student loans quicker.  <P/>  Navient  has now suddenly, and without notice,  disabled  this feature from their website. After making repeated calls to find out how to continue with this repayment strategy I was informed this is no longer an option and that a borrower can only make an advance payment on the following month that is due.  <P/> This is a debt trap that ensures borrowers will be paying loans longer they need or want to. There is no listed consumer affairs contact information to register a complaint with, so I am doing it here.  <P/> This debt repayment strategy is key to getting out of debt quicker and to save money over the life of the loan. This deliberate attempt to thwart borrowers from quickly paying of their loans is a shady business practice designed to line the pockets of this company.  <P/> It is my hope that enough complaints will be filed here to force the company to reinstate this option on their website.