WillisBack/dataset-financial-user-claim huggingface dataset:
They had FROZEn my credit report since XXXX XXXX credit monitoring had I had been TURNED DOWN for everything have been sick with XXXX since XXXX my kids and I had been homeless careless poor hungry and in dangerous living situations and XXXX problems because of this inaccurate that they caused me
I requested a deed in lieu with Cornerstone mortgage in XXXX of 2015. I was instead sent paperwork for short sale however the house had been listed from XXXX 2015 until XXXX 2015 which is more than the required 90 days and provided documentation to that effect. I have sent the deed in lieu packages certified mail at least four times as recently as XXXX XXXX per the request of a Cornerstone representative only to be told by another representative on XXXX XXXX that full sets of documentations have never been received and as a result, the property is scheduled for foreclosure. She went on to acknowledge that although my latest package was signed for on XXXX XXXX, Cornerstone did not record receipt into the " mixed mail '' bin until XXXX XXXX and in the interim my file was closed. Further, she requested that I send yet ANOTHER package in order to have my file reopened for deed in lieu consideration. I have made numerous calls to Cornerstone 's loss mitigation department and each time I have been told that I am not allowed to directly speak with the underwriter and that my request will be changed from a short sale to a deed in lieu request. With each phone call and representative I speak with the story changes regarding which documents are required. 
I feel like I 'm in a situation similar to the movie the XXXX, where the insurance company continues to acknowledge/deny the request until the patient dies.
I have a federal debt that was taken out through XXXX at the time, which is now XXXX. The federal disbursement was through XXXX from what XXXX has told me. I was unable to keep up with this loan and it ended up in collections with GC Services, I was told by XXXX that I paid off my federal loan and it is no longer owed to them. However when I call GC Services they still say I owe {$13000.00} ( Estimated ), when on my XXXX account it says I have paid more than {$14000.00} ( estimated ). I just want my wage garnishment to stop and to know where the {$14000.00} has gone to.
I noticed a debt listed on my credit report. It shows {$300.00}. I disputed this once but was never given any info as to what it is for or any type of validation. Because I was not properly notified of this debt and given the 30 days allowed by law to dispute the debt or any potion thereof ... I am requesting this be deleted due to failure to provide me with notification and validation of what this is.
I just refinanced my private loans from Wells Fargo to XXXX XXXX saving me over {$1000.00} a year in student loan payments. My issue is with Wells Fargo Bank. Due to the length of time it took me to complete my new application the payment XXXX XXXX sent Wells Fargo was {$1700.00} higher than my current loan amount. Due to some ludicrous guideline that Wells Fargo has they must wait 21 days to clear those funds to send to the new institution. Meanwhile I 'm now starting to accrue interest on the higher loan amount. This is a ridiculous practice that needs to stop. If I was one day late on my Wells Fargo payment they start tacking on daily interest yet when I overpay my payoff amount they are allowed to hold onto my funds for 21 days while they " clear '' the payment. It is not right that big financial institutions get to make up their own rules on how to treat payments and paybacks because they always end up punishing the consumer who is just trying to be financially responsible. The 21 day waiting period needs to stop on getting refunds to student loan payments!
I received a {$300.00} loan from greentrustcash on approximately XXXX/XXXX/XXXX. Where it was set to pay back in increments of {$78.00} every two weeks on my pay day. 4 payments were taken out respectively on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX totaling {$310.00}, equaling an overpayment of {$12.00}. 

It is now to my understanding that Greentrust applies a 699.99 % annual percentage rate to the loan set out to 8 payments of {$78.00} which would total {$10000.00}.
I am receiving continuous harassing phone calls from XXXX XXXX from Advance Capital Solutions in regards to an alleged medical bill in XXXX XXXX. I requested an itemized summary of the bill and failed to prove the alleged debt is my debt. The company did not provide me with an itemized bill as requested and threatens to sue on behalf of his client if payment is not made quickly.
I have sent in numerous disputes to Equifax regarding the inaccurate reporting of a bankruptcy on my file. There was no bankruptcy filed on XX/XX/XXXX. I mailed my most recent dispute around XX/XX/XXXX, and received an email confirmation from Equifax on XX/XX/XXXX that the investigation was underway. Yesterday I received my Equifax report dated XX/XX/XXXX ( confirmation # XXXX ),  stating that the bankruptcy was verified, with a verification date of XX/XX/XXXX.

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. Obviously, if the verification date is XX/XX/XXXX, no re-investigation was done, which is a violation of the FCRA. 

I have also obtained a copy of my XXXX report from XX/XX/XXXX and there are no public records listed on the report ( see page 9 of  XXXX report attached ). So, how could XXXX verify a bankruptcy, and yet not be reporting it on the Public Record Disclosure file I received from them? 

Based on the above information, I am hereby demanding deletion of the above accounts from my Equifax file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ).
Ive sent equifax several documents to update my address for months and sent all the proof I needed and they still wont update my address to the correct address also I have not been able to access my online account in months they have failed to give me access when I told them I believe that my online account is being compromised by my ex boyfriend my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX My ssi # XXXX
I took out XXXX sets of Stafford loans XX/XX/XXXX and XX/XX/XXXX to attend graduate school. The original lender was XXXX XXXX. Currently Navient holds the loans. 
The loans are as follows : XX/XX/XXXX {$8500.00} 2.65 % subsidized XX/XX/XXXX {$10000.00} 6.8 % unsubsidized XX/XX/XXXX {$8500.00} 2.65 % subsidized XX/XX/XXXX {$10000.00} 6.8 % unsubsidized Over the years, I requested that the oldest loan with highest interest rate be paid off first. This never happened. I requested over and over on phone and enclosed with check. Again, it never happened. Now, the XXXX newest loans are paid in full and I still owe thousands of dollars. This is interest which they created by manipulating the allocation of my payments in a manner in which I directly asked not to happen. 

I graduated the actual week the market crashed in XX/XX/XXXX and I rarely make the same income I did since XX/XX/XXXX when the loans were issued. This was not my plan. So I definitely do not want to pay any additional interest on these loans. 
Please help!
I have a checking account with Chase in XXXX XXXX located at XXXX XXXX XXXX. In the past week I was alarmed this morning that I had insufficient charges on my account from two days ago. I called Chase immediately and was told that the XXXX charges of insufficient charges totally {$170.00} were charged via debit card transactions. I set up my account to not go through when there are no available funds, however Chase allowed multiple charges to go through instead of declining the debit transactions. I verified that these charges made were strictly debit point of sale in person charges and not reoccurring or check charges which are exempt. I asked for a reversal due to this glitch and my request was denied to have all XXXX charges reversed. The XXXX representative did reverse XXXX which were her capacity and limit and she referred me on to a manager to assist with the other XXXX charges, but the XXXX supervisors I spoke to were unable to do so. In the process of making the request the first supervisor was rather rude. However, I feel this is an excessive amount of charges to charge a customer. It appears as if they are trying to deliberately make money with the insufficient charges, but why on earth are they charging me for money not in my account - this is highway robbery!
Hey CFPB, Today I'm sending a message to you guys in regards in removing an inaccurate/Duplicate inquiry from Wells Fargo. I received a copy of my credit report and found that my credit report was pulled twice on the same day ( XX/XX/2017 ), which is an error. It was pulled Twice from my XXXX   credit bureau. From my understanding of CFPB, you guys will recheck the items with the creditor who has posted them. 



Also, on XX/XX/2018, my credit report was also pulled as well. Please have the Wells Fargo ( the creditor ) recheck the item. 

If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX -XXXX
I have contacted Equifax o ver 20 times con cerning the vast amount of Fraudulent Accounts on my credit Report. I have submitted FTC Identity Theft Affidavits, Police Reports, etc. and I have received the run around about having the fraudulent accounts removed. The following accounts are fraudulent and have been reported to the police and the FTC : Accoun ts : 1  )  XXXX  Acct #  XXXX  {$1200.00} 2 )   XXXX   XXXX   Acct   # :  XXXX  {$0.00}  3 )    XXXX   XXXX  Acct  # :  XXXX  {$0.0 0} 4 )   XXXX   XXXX    XXXX   Acct # :  XXXX  {$1200.0 0} 5 )   XXXX   XXXX   XXXX  Acct # :  XXXX  {$2900. 00} 6  )   XXXX   XXXX  t Acct # :  XXXX  {$990.00}  7 )    XXXX   XXXX   XXXX   Acct #  XXXX  {$92.00 } 8 )    XXXX   Acct # :  XXXX  {$840.00} Unauthorized Inquiries  : 1 )    XXXX   -  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX  )   XXXX     XXXX  & CO  XXXX / XXXX / XXXX   3 )   XXXX    XXXX    XXXX / XXXX / XXXX   4  )  XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  Police Report is attached
We have a mortgage with Dovenmuehle Mortgage Inc. We had a escrow/impound account set up which taxes and insurance were to be paid out of. 
On both issues they dropped the ball never did they pay both taxes andinsurance on time. We became delinquent and had to pay for these out of pocketand now wait to be reimbursed. They sat on our $ and drew interest. Wrong! 
Whats the point of setting up a impound account?? This firm is shady andnever does what they tell you via email or phone that they will do. I incurredlate fees and spent countless hours on the phone to try and remedy everything.
From XX/XX/XXXX, I took out student loans. In XX/XX/XXXX I consolidated my loans for a balance of around {$47000.00}. I 've claimed forbearance once in this time period. As of today, I still owe over {$34000.00}. According to AES, I 've paid {$75000.00} in principal and {$34000.00} in interest for a total of {$110000.00}. I 've attached screen shots and downloaded loan details as part of this complaint. How can I have paid over {$75000.00} in principal for a loan that was originally around {$47000.00}?
I originally had my purse stolen in XX/XX/XXXX ( I have the police report - Please advise if I need to provide a copy of ). My ATM as well as my Credit Card with US Bank was stolen. I called and asked to have my secured card cancelled. I paid the account in full shortly after this and did not use the card again. I asked them not to send me a new card. There was no balance and they were not sending me another card. I did not think about the account again In XX/XX/XXXX, I discovered that I'd been reported as past due for the secured card as well as there were late fees that had been added to a XXXX balance account. When I called to speak with the Collections Department, they waived all of the late fees and informed me that there was a small balance that was left on the account from XX/XX/XXXX that I had not paid. Being that I had not been notified of this additional balance, nor was I being notified that there were late fees accruing on the account, US Bank agreed to waive all of the fees and allowed me to pay the remaining balance in full. 

I was assured that an update would be submitted for the incorrect negative reporting of my account, the balance would be updated to zero. They confirmed for me that the account was now closed and could not be reopened. I was also advised that I would receive my security deposit back within XXXX weeks. 

Now I reached out them in XX/XX/XXXX. The original representative advised that my Security Deposit had been transferred over to another account that I have with them. Then after further review the came back to advise that he did not see another account for me. After being placed on hold for over XXXX minutes, I was transferred over to a XXXX XXXX who advises that my account is not closed that it is permanently restricted. She is not advising me that I now need to write in to ask them to refund my funds and to wait XXXX weeks for my money back. 

I feel as though US Bank has lied to me regarding my funds. I have done what has been asked of me. They closed my account in error, reported me as past due in error and they are refusing to refund my security deposit.
Equifax,   XXXX   and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry s top going into my credit report.
My car was totaled XX/XX/XXXX. The insurance completed the payoff of their part of the loan the end of XX/XX/XXXX and there is a small amount of the loan left over. We have GAP insurance and I gathered the information that I had. I was missing the Statement of Payments and the original loan documents from Huntington Bank. I contacted the bank and the agreed to fax the documents to the GAP insurance company and send me a copy in the mail. This was around XX/XX/XXXX. I waited two weeks and contacted the GAP insurance and they had received the Statement of Payments, but not the original loan agreement. I then called the bank again and requested the original loan agreement be faxed to the GAP insurance and the 2 documents sent in the mail to me. 
The interest rate on the original document was different than the rest of the documents, so the GAP insurance requested a APR Rate Difference letter from Huntington Bank. I called Huntington Bank on XX/XX/XXXX and was told that the document would be processed that day. I talked to the GAP insurance on XX/XX/XXXX and was told that they had not received the APR Difference Letter yet. I called Huntington Bank again and was told that this letter takes 4 days to process! I then called Huntington Bank again on XX/XX/XXXX and was told that it would take 5 days! In this process, my account has been reported to the Credit Bureaus as delinquent.

Unfair and Abusive!!!
A XXXX XXXX XXXX charge was made and the items never arrived so I disputed the charge. While awaiting a resolution, my account in ending in XXXX was closed and transfered to XXXX. Citi resolved the dispute but they reversed the conditional credit on card ending in XXXX and XXXX. The merchant provided a credit on XXXX.17 and Citi placed the refund to account ending in XXXX but my balance on account XXXX still reflect the XXXX amount
I received a call, and my oldest daughter got a call on her work phone as well, stating that I owe a balance to this company and that they were going to report negatively on my credit report. I was told that if If I were to pay the amount in full, the Debt collector will remove the derogatory remark off my credit report. I asked what this debt was for and they said that they could n't give me any information on that. I asked if there was any way of contacting the original debtor and they said they could not help me. The only response i was getting is if I were to pay the amount in full I would ultimately get it removed from my credit and or I would set up payments to fulfill the amount. I am not sure who this debt is from, the collections agency sounds like it is a cellphone, they keep calling my cell and my daughters work phone number AND I do not know what this collection is for ...
On XX/XX/2018 I logged onto my capital one 360 money market and checking account and noticed that it said my funds were not available for me to withdraw. I called capital one this same.day and was told to submit a driver 's license photo, verify my identity through a list of questions ( which I did ) and after all that I was told that my account was being investigated because of two XXXX payments that failed to process on my account. I was told that because of this I would no longer be able to have a relationship with capital one bank, but they were still not giving me access to the over {$5700.00} I have in my money market and checking accounts. If capital one is going to close my accounts, why is there an investigation going On? It makes no sense. And then when I asked when my funds would be available for me to transfer the said they had no idea and it could take weeks sometimes months. Banks have guidelines and know exactly how long they are able to withhold money from people. They are being very shady and I need access to my money. Every time I call they give me an attitude and treat me like a an idiot. They are taking advantage of me and still have no answers for me. They put my account under investigation for an outside XXXX payment that didn't go through and are now keeping MY money from me indefinitely even though I was told my account would be closed. THIS MAKES NO SENSE
This company nam ed National Services c alled my husband on  XXXX   XXXX   XXXX  at  XXXX    XXXX   CST from phone number  XXXX . They called saying we owed for a medical bill of {$250.00}. They did not say who the doctor was, and they attempted to pressure us into giving them contact information. We told them we did n't know what they were talking about, since we have no outstanding medical bills and that they needed to send it in writing. They said they did, but we have never received it.  <P/> It is possible that a  XXXX  we did business with is fraudulently trying to collect on money they refunded to us in  XXXX   XXXX  over a dispute. They fraudulently attempted to charge our insurance company (  XXXX  ) for the amount they refunded but were denied payment. They never sent us a bill. I will not contact that  XXXX  about this because we do n't trust them, that was the dispute we had with them, and they refunded the money, thus admitting they were in the wrong. Their contact information is :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , UT  XXXX  Phone : (  XXXX  )  XXXX
Discover Bank Credit Card Account was removed from my XXXX  report. However, it 's still showing up on XXXX and XXXX. This is not my account, and it seems like XXXX has proven this.
I called Navient to let them know that i would pay off loan # XXXX in the amount of {$500.00}. They agreed. Then my credit score went down XXXX points for XXXX and XXXX points for XXXX. 
Turns out that Navient took it upon themselves to spread the money out across all loans tgen raised tge amounts for each one with derogatory remarks on every one. 
After arguing until I XXXX coat hangers, i got them to fix it. Today ( almost 4 weeks later ) i see that they increased a loan from roughly {$1400.00} to over {$5000.00}. That screwed things up again now I've got to deal with these people again to try and fix this AGAIN! If this is what they do when you try to pay off your loans, how the XXXX do they expect to ever get paid.
I have a collection account on my credit report from Portfolio Recovery Associates, LLC. Please be advised that Im disputing this collection due to the facts That Portfolio Recovery does not currently have a valid license to collect debt in the state of Louisiana according to Louisiana office of financial regulations. I am requesting that you delete this account from my credit or provide me physical proof that they are licensed debt in Louisiana.
Chase Bank has reluctantly kept an identity theft account with outstanding balance still in my name from 2013. Despite working with their fraud department a year ago and providing the police reports to several departments that requested it. They failed to honor the police report and letter affidavit disputing the alleged debt as fraud and identity theft sent to them a year ago obviously Chase is still reporting the alleged debt as outstanding owed as I tried to open a bank account with one of their promotions yesterday. It popped up this information.
XXXX was listed as a creditor on my credit report as a debt collector for XXXX XXXX in the amount of {$1000.00}. This account was challenged and deleted from my credit report. In less than 30 days this account was picked up by Ability Recovery Services , LLC. I DO NOT believe that XXXX XXXX had adequate time to resell/retain this account to Ability Recovery Services , LLC who claim that they retained this account from XXXX XXXX. <P/>I am requesting that the new creditor : 1. Submit to me validation to prove that XXXX XXXX has retained them to recover the amount they have listed now as {$1100.00}. Including an itemized bill detailing line by line fees and interest. 2. I am also requesting that Ability Recovery Services , LLC provide proof they have not received this account through XXXX XXXX or XXXX. 3. I request names and address of all to whom they contacted as well as date and time. I will be following up on this correspondence directly. 4. I request that Ability Recovery Services , LLC provide to me their legal licensee number as a registered collection agency for the State of Maryland to be checked through the Maryland department of Labor, Licensing, and Regulations system.
XXXX : It is an account that has never been mine and do not recognize at all, I have already disputed such account so the error could be fixed but no respond. Please remove account error from my report.