WillisBack/dataset-financial-user-claim huggingface dataset:
Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Experian via certified mail. Experian refuses to honor my claim & the evidence submitted. Experian continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXX is not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXX is not my account please remove this from my credit report. 
3 ) The Department of XXXX XXXX XXXX XXXX XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times. 
4 ) Navient # XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times. 
5 ) XXXX XXXX # XXXX is not my account please remove this from my credit report. 
4 ) Diversified Consultants XXXX Is not my account ( s ), please delete them from my credit file I would also like for Experian to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
XXXX XXXX XXXX, XXXX representing Citibank, N.A is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.
My lien was released in XXXX ; however, the item is still being reported on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX XXXX that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on my account.
My wife and I bought our home XX/XX/XXXX at which time we paid {$170000.00} and it was appraised at {$220000.00}. With the equity in the home we knew we should be very close if not past the point to be able to have our PMI removed from the mortgage once we made our XXXX payment this past XXXX XXXX. I contacted the bank to get the process started and they denied me by stating that I would have to provide proof of substantial improvements in order to be considered before having made 2 years of payments. I submitted to them work orders and receipts of installing a brand new heat pump system into our home. The house previously only had base board electric heaters and central air. This new system comprised of removing the old A/C system and placing a new air handler and duct work that ran through the basement in order to maximize efficiency and has since decreased our annual electric usage by about XXXX % and saved us almost $ XXXX/year in electric. We spent near {$19000.00} for this system and I understand all that would n't equate into new value for the home but it would have to add some value and make it more attractive if we were to ever sell. We have also added a new door to the basement which was n't there, we have replaced 27 year old wooden windows with upgraded XXXX triple pane windows as well as many other various small improvements. The bank denied me submission stating there was no sufficient work done. I immediately appealed and told them I would take my business elsewhere and they quickly accepted my appeal for a re appraisal. I sent them a check for {$450.00} as requested to pay for an appraisal. The gentleman who came to our home was rude and made a joke of our home whenever I talked about things we had done. He acted like our brand new heat pump was junk and made fun of us for it. His appraisal came back at {$190000.00}. I immediately appealed the appraisal and stated to them since we bought our home the local property values have gone up and our county 's XXXX has changed from 1.26 to 1.29. Plus the major improvement of installing the heat pump it is n't logical for the value to go down, especially not by {$31000.00}!! I attached my original appraisal which has the sale comparisons and they returned my appeal and said it was n't valid because I did n't specify what updates have been done to be considered, which I have said 5 times through this process with them. Somebody has committed fraud against us, either the original appraiser in order to help the bank close on the property or the XXXX appraiser in order to make sure I ca n't get the PMI removed.
I am required to have {$100.00} in my TD checking account in order to avoid being charged a {$14.00} maintenance fee. 

On XX/XX/XXXX my account went down to {$38.00} due to a transfer of funds. On XX/XX/XXXX, I transferred {$70.00} to the checking account to put the balance over the {$100.00} threshold. After this transfer, TD Bank charged me a {$14.00} maintenance fee for the previous month which, again, brought my balance below {$100.00}. I subsequently added {$1600.00} the account on XX/XX/XXXX. 

On XX/XX/XXXX I transferred funds from this checking account to another bank, leaving a balance of {$100.00}. On XX/XX/XXXX I was charged another {$14.00} maintenance fee which brought my account balance to {$86.00}. 

I spoke with a representative at TD Bank on XX/XX/XXXX and explained that the reason my account dropped below {$100.00} in XXXX is because they took the fee out after I made a deposit and never notified me that they were charging me a fee or when it would be charged. 

I simply wanted the {$14.00} maintenance fee from XX/XX/XXXX refunded, since the bank is the one that took money out of the account to bring it below the {$100.00} threshold. I was told the maintenance fee can't be refunded and they can only refund over draft fees. In addition, I was told that I would be charged another {$14.00} fee in XX/XX/XXXX because the {$14.00} fee that was taken out on XX/XX/XXXX brought my account balance below the {$100.00} threshold again. 

I feel this is unfair and deceptive. If TD Bank would have notified me that a few was coming, I would have simply left an additional {$14.00} in the account back in XXXX in order to stay over the {$100.00} threshold. Instead, they chose to keep me in the dark about the fee. This resulted in them causing my account to go below {$100.00} on 3 separate occasions instead of just once. 

Unfortunately, I will now be held responsible for paying TD Bank {$42.00} worth of fees ( {$14.00} XX/XX/XXXX, {$14.00} XX/XX/XXXX and {$14.00} XX/XX/XXXX ) instead of them just notifying me of a pending {$14.00} fee. 

I feel these maintenance fees are designed to prey on customers and create a snowball effect bank charges. Why did the original maintenance fee of {$14.00} on XX/XX/XXXX get processed after I made a deposit instead of before I made the deposit? Why would TD Bank wait until the end of the day to process {$14.00} maintenance fee? Additionally, Why didn't anyone notify me that I was being charged a fee or that my account balance was under {$100.00} After 12+ years of doing business with TD Bank , it's a shame to realize that they are still predatory in some areas of their operations.
HSBC ( formally Household Finance ) has been a thorn since I purchased my home. It was predatory XXXX loan that eventually had an interest rate that exceeded 13 %. I eventually got a modification and have been paying my note on time since XXXX that included a 36 month payoff of taxes and insurance they said I owed. I paid the extra from XXXX through XXXX ( XXXX XXXX payment to the ancillary was for {$590.00} and even higher amounts as noted on XXXX page of the " house note log '' included ) even after I received a letter XXXX XXXX stating it would be placed on the back of the loan per government regulation. I wanted to be done with it so I paid it off. In XXXX I received my new mortgage amount based on my lower escrow cost and by XXXX I received another letter stating that I would pay {$100.00} for lender advanced taxes that I had already paid off during the XXXX 36 months of the modification. I have kept all my payments and letters from them but it will take time to put the years together. When I called to inquire about this they told me that I still owed over {$3000.00} and had only paid ~ {$300.00} which is not true. This company appears to be attempting to swindle me out of funds I really do not have. I have sent them a letter requesting my loan activity since XXXX which will of course not be sent to me before my house note is due on XXXX XXXX, XXXX. This is causing me a hardship since I live on a fixed income. They have also added several fees to my loan over the years. They show all sorts of late fees and other fees I know nothing about that appears to be padding the loan and they do not show my statement on line. Any assistance you can give me will be appreciated. Thank you * I did send a request to HSBC but the date ways XXXX rather than XXXX as the start of the modification payments.
XX/XX/2018 XXXX XXXX XXXX reported unrecognized hard inquiry on my XXXX  credit report
I was sent a check by a company who was hiring on XXXX. I went to cash the check assuming its real on XX/XX/2019. I didnt take out any of the money from the check as there was a chance it could have bounced which would have caused me to go into debt. A few days after, my account was frozen and closed. I had called the CHASE security team at XXXX XXXX XXXX XXXX XXXX and they had explained to me that my account was frozen because of the check being fake and it was automatically closed due to being frozen for 10 days. They had said that they will send a check for the account balance and I can just reopen another checking account. When I went to open another account, the teller had called to make sure that I was still in good standing and their department said yes. I was able to make another account on XX/XX/2019. 2 days later, my account was closed yet again by CHASE and I called yet again and they had said that CHASE has terminated the relationship.
I filed a complaint with this company previously. They responded by stating that they sent me information verifying my debt.To the contrary I received a bill that did not have an accurate physical address. This would have not given me the opportunity to reprocess my bill through insurance or dispute this bill before it was placed on my credit. In addition I sent debt validation letters via certified mail and I have not received a bill with the accurate address nor has this company provided a copy of my signature with the provider of service to release my medical information to you. Another account was also placed into collections by this company. I sent a validation to this company as well and have yet to received a response. It has been past 45 days for both certified letters.
I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score. the companies are XXXX XXXX XXXX, XXXX XXXX XXXX and Harvest Associates INC. they all say I owe XXXX XXXX Hospital
On XX/XX/2017 Discover had to have some mix up with their billing dept because they reported a late payment on my account of {$5.00} ... I informed them that statements were n't coming in the mail nor was a courtesy call placed that the {$5.00} would be reported late if payment was n't made.
Hello, I was attending XXXX XXXX I enrolled XX/XX/2016 with an expected graduation date of XX/XX/2016, the school closed on XX/XX/2016 and was bought by XXXX University, Neither school is accredited like they previously stated, the credits are not transferable, they had students take out loans under false pretenses, I stopped attending and logging in when the school closed, they sent me an e-mail stating that i was terminated from the program for non participating then a few weeks later they sent an e-mail asking me to name their school on my student aide paperwork so they can continue receiving money. I have attached the e-mails they sent. I feel i should not be held liable for the total loan balance i took out seeing how the school lied about being accredited, the credits are not transferable and the school closed before program completion. XXXX has also been reporting false information to the department of education such as student status and attendance
I signed up for XXXX XXXX services XX/XX/XXXX through a bundle service offering through XXXX. I move during the month of XXXX and had the XXXX services transferred to my new place of residence. When I received my XX/XX/XXXX bill from XXXX I had been overcharged by XXXX {$200.00} transfer fee for services. This error in billing, which XXXX XXXX admitted to, cause an undue burden on my finances which in turn made me unable to pay my XXXX bill which collected payment on behalf of XXXX and themselves. The billing became so skewed from being over charger and XXXX putting the XXXX charges on hold to get the corrected information from XXXX, that throughout this process I got further behind because at XXXX point I was presented with a monthly bill for approximately {$400.00} when I typically paid {$120.00} for XXXX services. From XX/XX/XXXX through XX/XX/XXXX I attempted to get my billing corrected. Meanwhile I was paying late because there where wrong charges on mybil and I was unable to pay them. Finally, XX/XX/XXXX I asked XXXX to unbundle my services as I had never been more than a week late paying my paying my XX/XX/XXXX bill prior to them bundling the services with XX/XX/XXXX. Once XX/XX/XXXX unbundled my services I asked XX/XX/XXXX to cancel my services and XXXX swayed me to keep the services which I thought would be at the same rate I was paying through XX/XX/XXXX. However, they neglected to explain that I would actually being signing up for a new service contract and the rate would be nearly $ XXXX versus $ XXXX I had paid with XXXX. I found this out in XX/XX/XXXX When I objected, I was told that my service contract with XXXX had been discontinued due to excessively late payments. I explained it was their billing error that made me late and put me behind. The agent check and came back and said, " Yes, I do see where we overcharged you and then the payments started being late. However, I can not do anything about that and the billing will continue to be at the new rate plan '' XXXX said this is fraud your company 's accounting error cause me to get behind in the XXXX place and then you cancel my the rate plan I got with XXXX and say the only way for me to continue is on an increase rate plan or pay a cancellation fee of {$300.00}. The rep said, " Sorry Ma'am, there is nothing I can do ''. This past week ( started XX/XX/XXXX ) I started receiving call from a debt collector saying I now owe {$340.00}.
XXXX has called me to sue me over a debt from XX/XX/2008. Here in Texas the SOL is 4 years. However, they have failed to give me their location and have refuse to send me anything through mail. They want to collect money from me throughthe phone only. The phone they are calling me from is XXXX. I have recorded every call from them. Person I spoke too supposedly is called XXXX.
My FICO score has been dropping ever since the Federal Reserve began debating raising the bank interest rate a few months ago. Because there is no logical explanation for the drop, I believe the XXXX major credit reporting agencies are manipulating ( i.e., artificially lowering ) consumers ' scores to prepare for the rate hike. I am asking that the CFPB investigate this matter as soon as possible. 

( I understand that my complaint does not actually belong on this form. When I tried to explain that no form fits my complaint to a CFPB person, staffing the hotline, she directed me back to this form. )
Good Evening, and please help me with this. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX XXXX XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, PRA will have all the major credit bureaus removed those negative items or accounts or tradelines from my credit report. Please see the confirmation under PlanID # XXXX for the payment that was made. Please remove this account from my credit report.
hi Experian you reported to myself and the CFPB that the incorrect names were removed I see in checking with XXXX XXXX XXXX that you did not remove those names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX you stated in caseXXXX-XXXX that they were removed. My Id # XXXX is correct, please remove these listed above.CFPB please refer to XXXX-XXXX in this matter thank you
On XXXX XXXX, XXXX visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.
After me repeatedly telling them please do not contact me at my place of employment they continue to do so causing me to get written up for receiving personal call while at work.
Today XX/XX/18 customers of the student loan refinancing service, Earnest,  received an email from the company outlining a new change to their dashboard. However in the smaller print of the email they revealed that they will no longer allow customers to pay their loans bi-monthly. It has been proven that paying loans bimonthly reduces the overall interest paid and can significantly reduce the life of the loan. Not allowing customers to make payments in this way is 1 ) not beneficial to the consumer and instead benefits the companys profits 2 ) limits the options customers have to make reasonable on-time payments. Paying bi-monthly or more often is a right consumers should have with their debt as it is more financially responsible and reduces the likelihood of loan default.
I went on line filled out all the correct information to receive my free credit report. XXXX gave me my report the other XXXX bureaus would not. Without all XXXX reports I can not use this information to take to my bank. I answered all the questions correctly. It seems to be a scam that if I can identify myself correctly with XXXX the others should comply. There should be XXXX portal. Now that I have used up my 'once a year ' with XXXX and I do n't have the other XXXX reports I am stuck to wait XXXX year. They offered to give me a report in 30 days ... what good does that do? This is just a complicated way of not providing consumers what they legally have the right to.
I tried to update my current address with Experian and asked them to remove all others but was denie. 

Current and only valid Address XXXX XXXX XXXX XXXX XXXX KY XXXX
hello three weeks ago i put money in pay pal they said if I put money in I can use it to pay out with no fees I have called 6 times Ive been on the phone 8 hours Ive had 2 representitives tell me a supervisor would call me back every rep says they see my XXXX bucks BUT when they try to get it release even they cant get it out of pay pal I want my money back they continue to tell me its there, and they are sorry they cant get it to me pay pal email is XXXX repsectfully XXXX XXXX XXXX XXXX XXXX XXXX
Ameriloan XXXX made me pay XXXX on a XXXX loan an overpayment
Good day. My mortgage was transferred over to Seterus. I began making my first payment XXXX XXXX. Since that time it has been one problem after another with the financials on my loan. Attached is the complaint letter I sent to XXXX. Since that time nothing has been resolved,. My on line statement tells me one amount due but the statements I receive in the mail give another amount due. I have been speaking with several reps from Sterus and also XXXX from XXXX and nothing seems to change. In the midst of all of these problems I find out that my mortgage payment has went back down to the original amount quoted due to a miscalculation /oversight on Seterus end. I feel as though in the midst of the complaint letter and ALL of the calls, someone from Seterus should have reached out to me by now to assist with this problem to be sure that I am receiving the correct information on my payments. It 's very concerning and frightening to deal with a company who is having difficulty in maintaining my financials on my mortgage payments. XXXX rep tells me they are satisfied with all that has been done but nothing has been done to correct the problems with my account. I have already been through a bad experience once before with XXXX and a loan modification which caused me more problems than good. I just want this resolved and I want to be sure that Seterus is handling my loan the way it should be. At this point if i could switch over loan companies I would because I have NO faith in how they are handling things.
I sent multiple letter to the creditor asking for verification that this debt belongs to me and they never responded.
I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XXXX of this year. At time of application/approval, terms such as high interest rate of 35.94 % were not disclosed. Rate was learned about after reviewing terms on company web-site recently, it did not show previously. Had I known about such a high rate, I would not have applied. I borrowed XXXX and will be paying more than double that at end of 60 month term, this is ridiculously high. 

After doing some research, it appears Avant charges everyone the same flat rate, regardless of credit score/worthiness. My score at time of application was in the mid to high XXXX range and my rate should not be so high, there seems to be something shady going on here. A number of XXXX reviews show a large number of negative reviews about Avant, most about high interest rate. I spoke with a XXXX XXXX at Avant and was not able to resolve matter, he defended the rate and claimed to have screen shots showing terms, rate, etc. There is no way he can show/prove what was shown to me on my end/my computer screen, at time of application. 

This is XXXX of several complaints filed, previous complaints were referred to FDIC, Avant stated they received a similar complaint from them as well and replied. I have received no reply from FDIC in regard to this matter. If AvantXXXX thinks I will pay over XXXX in interest, more than the loan principle, they are sadly mistaken. 

In closing, please advise Avant/XXXX that they will not see anymore payments until rate is lowered. XXXX XXXX as well as another Avant rep have also been advised the same. Their address is XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, UT XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX
I am submitting this complaint about transunion as I have been disputing incorrect information that is reporting on my transunion credit report. XXXX is reporting XXXX loans that have been charged off to a bad debt. This information is incorrect as there way only XXXX loan taken not XXXX. I contacted the XXXX in regards to this and received a response from them today that they have attempted twice to contact XXXX on my behalf and they have not received a response and must close the case. I am submitting this complaint to the fcra because to my understanding if a company does not respond within the allowed time frame it must be deleted. I am requesting that this XXXX loan that is reporting incorrectly be removed.