WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a dispute with Experian regarding information on my personal credit report on XXXX XXXX, 2015 and shortly afterwards, they sent me a letter stating that they received a suspicious request. I called Experian and was informed that they would not re-open the investigation and that I needed to submit another dispute. As I am aware of the stipulations of submitting a XXXX dispute within 30 days, I waited until XXXX XXXX, 2015 and then submitted a new dispute regarding the same information. They did not respond at all to my dispute letter and I even provided them with the identification documents that they requested.
I have repeatedly advised this company that this was a debt I did not incur, sign for and had no knowledge of until I pulled my credit bureau report and saw that there was a lease broken in my name. I have filed a police report, as I was asked to do and this has been XXXX. I have lived in XXXX texas since I moved to Texas XX/XX/2005. XXXX XXXX along with National Credit Audit Corporation have given me XXXX and they will not provide me with any info even though they advised me they have a copy of my driver 's license, social security card and " my signature. '' I have not ever lived in XXXX and have never signed for anyone. I had live at XXXX formerly XXXX XXXX for over 7 years. This process has been tedious and a nighmare.
I contacted the  XXXX  credit bureau to make updates on my credit report. However I have been getting the run around sending letter after letter to get updates with inquiry and address change. I have  one address as well as one comp any. I am employed with too.     My Home Address  XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I have been employed with the same company for  XXXX  years. I have been in contact with the  XXXX  credit bureau to make updates and correct everything from address updates to inquiry , Negligent, Defamation,  Please advise me on this matter..      Sincerely   XXXX   XXXX
On my letter dated XXXX XXXX, 2017, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy CHXXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XX/XX/XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.
For the past several months we have receive notices from XXXX XXXX, regarding the collection & enforcement of our Home Line of Credit. The line of credit was executed between me and XXXX onXX/XX/XXXX. 

XXXX XXXX is trying to collect the debt and claims that the account is fully enforceable by its terms. XXXX XXXX is trying to establish enforcement on a Heloc or line of credit, however in the state of Florida the Heloc by its term is a non-negotiable instrument. 

Under Florida Law, the heloc is not a self-authenticating negotiable instrument. By its own terms, the note established a " credit limit '' of up to XXXX from which I could requested in advanced ..at any time. Further the note provided that all advances and other obligations ... will reduce your available credit ''. The heloc note was not unconditional promise to pay a fixed amount of money. Rather, it establishes the maximum amount of borrower power extended to a borrower by a given lender, to be drawn upon by the borrower as needed. See line of credit XXXX XXXX XXXX, XXXX ( XXXX XXXX. XX/XX/XXXX ). 

The distinction is not esoteric legalese. Florida law is clear that a " negotiable instrument '' is " an unconditional promise or order to pay a fixed amount of money, with or without interest pr other charges described in the promise or order. '' 673.1041 ( 1 ), Fla. Stat. ( XX/XX/XXXX ). The Heloc note reflects no such undertaking. it only obligates me to repay whatever borrow, up to XXXX. Therefore the HELOC failed to require the payment of a fixed amount of money, making it nonnegotiable instrument. XXXX XXXX can not continue to enforce this debt as it is deemed nonnegotiable by its own terms.
Dear CFPB : Please be advised that I represent XXXX XXXX in a modification. She was issued a trial plan which she paid through XX/XX/XXXX when the lender SPS stop taking her payments. At the conclusion of the trial payment in XX/XX/XXXX, my office proceeded to call weekly from XX/XX/XXXX to XX/XX/XXXX2017 being told on 8 different phone calls that the final modification was being generated and would be mailed to XXXX XXXX. In XX/XX/XXXX we were told that there was a problem issuing final modification because someone had registered a contract on the property. XXXX XXXX had no idea who the person was. Upon further investigation, it was discovered that a investor who had previously tried to purchase the property, illegally registered a contract and failed to remove the contract of sale when the short sale was not approve by SPS. SPS was aware of the homeowners attempt to previously short sale the property. My office contacted SPS and informed them we were going to get the contract removed from the title and they informed us final modification would be issued once contract was removed. We have forwarded SPS the documentation showing contract was cancelled and now instead of issuing a final modification, they are attempting to have our client start the entire modification process again.
cra violation inaccurate information sent to ftc XXXX  breach po report sent to all bureaus
My PenFed Member Number is XXXX. After speaking with the membership services department at Penfed, and as per the advise received, on XX/XX/2019 I requested Penfed to add me as a joint borrower to three different PENFED accounts. My email request dated XX/XX/2019 and its attachments ( three pages ) are again attached herewith. But these accounts are not yet being reported to all Credit Reporting Agencies ( CRAs ).
I opened a vechicle loan with Wells Fargo Auto XX/XX/XXXX. On my XXXX credit reports, Wells Fargo is reporting XXXX entries for auto loan, XXXX date with the correct date XX/XX/XXXX and the other with the incorrect date XX/XX/XXXX I never had or opened a auto loan with Wells Fargo Auto XX/XX/XXXX.
I overdrew off my checking account at a bank about 4 years ago, and they went through the proper channels and had me garnished from my work, approximately one year after. The full amount that was due was taken.Courts sent me notice that the garnishment was finished and the amount was paid in full, yet it does not show on my credit report. Ive been trying to rebuild my credit but I unable to in certain areas dues to this misinformation. I would like it rectified, and closed please.
Seterus Inc, reported a late payment for XX/XX/2015 to my mortgage account and has refused to correct it on the XXXX credit reporting agencies. Although my monthly payment was {$810.00}, I paid the exact amount as stated due, according to their mortgage statement for XX/XX/2015. Being a fairly new client, seeing there was an adjusted stated amount of {$610.00} for that month, was n't unusual, so I paid that amount, which Seterus recorded as paid on XX/XX/2015. I was appalled when I saw that they reported a thirty date late. I 've requested that they take the procedures to update my credit reporting files, to no avail.
on XX/XX/XXXX I contacted Equifax Credit bureau after having being notified through XXXX XXXX credit monitoring app I use, that information was sold on the back market, so Immediately I reviewed my credit report & saw inquiries from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did n't authorize. I was told to contact the creditors and I was informed by them to contact The credit bureau since it was a fraud matter & have them investigate it, so I contacted Equifax again and was told they would need a police report to investigate it, so on Friday XX/XX/XXXX I filed the report and faxed it into Equifax in hopes that this would get this matter finally resolved, I then called them on Tuesday XX/XX/XXXX to insure they received it and I was told they receive the report and would be investigating the inquiries, so I did n't feel the need to mail it in, given all the back and forth, I was feeling a little leery, so I called back Thursday XX/XX/XXXX  and was told they did n't receive the report.
Sallie Mae is making it extremely difficult to enter a repayment plan for my student loans causing undue stress and financial hardship. I began repaying my student loans, in full, 6 months after I graduated. I was an entry level employee with the federal government and lived at home with my parents. Even then, my total student loan payments were causing financial burdens. I inquired about repayment plans and was told I should try to lower my interest rates by activating automatic payments. So I did. I didnt see much of a change to make them more affordable. That was 3 years ago. I have now farther advanced in my career, in the field of which I studied in school, and my job became more demanding so I had to make geographical relocations and take on more financial responsibilities. Even though this was even more of a financial adjustment than previously, I continued to try to pay my student loans and was able to enter an income-driven repayment plan with my XXXX student loans. I inquired about income -driven, or any, repayment plans/options Sallie Mae offered and I was told my only choices were to now defer my loans, ask a co-signer, or consider filing bankruptcy. I was forced into deferring my loans. Sallie Mae explained they would only allow me to put my student loans into forbearance for 12 months, for the lifetime of the loan. I would accrue interest during that time. After watching my principal balance increase drastically in just a few months, I decided to inquire about repayment options again and cancel my forbearance period. They told me the only way I could even be considered for a repayment plan would be to allow my loans to become delinquent. I called multiple times to speak to someone about this and they all advised me to do the same thing. So, ultimately this company wants you to allow your financial situation to get worse, have your credit score take a hit, on top of cause undue stress, just to enter a repayment program. Making someone pay {$1400.00} a month for private student loans when they make less than {$2500.00} a month is robbery. Their representatives are very unhelpful and it seems as if that is this companies motive. I know they allow them to say certain things and tell them not to offer/say certain things. This is an extremely unethical way of conducting business and as a large stake holder in student loan debt in America, the federal government should hold companies such as these to higher standards. Especially for the greater good of the American people that simply wanted to afford a better life by going to college.
XXXX XXXX XXXX XXXX XXXX XXXX both of these numbers have called myself and my family members asking about my whereabouts about money I owe, acting to be collection agencies but give a different name and call from different numbers then threaten to have me arrested if I do not pay.
I was left a voice message on my cell phone on XX/XX/XXXX from telephone number XXXX saying that I was going to be issued a summons, but it did not say for exactly what. They left a number to contact to get information about the summons. This telephone number is XXXX. When I called back a person answered calling themselves XXXX and identifing the company as XXXX. She asked me for my name I told them my first and last name and they verified my identity telling my last four numbers of my SS # and I confirmed it. She went on to tell me they were a collection agency that had obtained an old debt of mine. When I asked her what it was for she said it was an old delinquent bank account from XX/XX/XXXX and the collection balance was just over 900 $ and if this went to court it would reach over 3000 . I asked her the details of the account such as the bank name, the date the account was opened, and the state it was opened in. I knew I had never banked with that institution at that time and definitely not in that state, so I knew it was fraudulent and then I told her she was out of luck anyway because the statute of limitations had expired for collecting such an old debut. She said I would be served in a couple of days and to have a blessed day and then hung up.
I went to a Wells Fargo branch and added my fiance to my PMA checking account. Turns out bank employee added him to all my accounts and he received XXXX debit cards in the mail which we did not request. turns out the bank employee not only opened XXXX accounts in my fiance name, but she had XXXX debit card mailed to her at the branch and she even activated it and linked it to my savings account where i had over XXXX. I reported this discovery over the phone to wells fargo fraud dept and told them We never ordered the debit card and it was sent to an employee whom we do not know at the branch. I asked to file a fraud report on the employee and wanted a follow up call. The next day I went and spoke with VP of the XXXX branch and she said the debit card was reported lost, which is not the case. Employee fraud is happening and they are covering it up. I have no clue how many other cards are linked to my accounts and my fiance has no clue how many accounts are created in his name now and linked to other folks accounts. I asked them to transfer all my money to my credit union and she shewed me out of the branch saying " no, your money is safe, this was an accident. " .Employee was never fired and I got shewed out the door. Please help!
I filed a dispute on XXXX XXXX, 2016 and have not received documentation of resolution and the online dispute center is still showing pending.
To whom it may concern, I believe the company XXXX XXXX XXXX is a scam. Due to I purchased 2 samples online and I did not receive the samples till several later days after I ordered them only and I happened to check my bank account on XX/XX/XXXX and noticed that XXXX XXXX charged my account for {$100.00} dollars I immediately called my bank to gather XXXX XXXX information to contact them. I contacted XXXX XXXX XX/XX/XXXX I left a message XXXX XXXX never returned my call, I then called back XXXX and I spoke with a XXXX on XXXX she told me they do not give out full names just a first name and she offered to give me {$50.00} dollars of my money back she claimed I was supposed to cancel order for XXXX XXXX XXXX XXXX in 17 day which I was never informed of that. I never agreed to 17 days and never did I authorize XXXX XXXX to charge my account for {$100.00} dollars I repeatedly asked XXXX to speak with a Supervisor and she refused to allow me to speak to a supervisor she told me a supervisor XXXX would call me back on XX/XX/XXXX but a supervisor never returned my call. I never received any letter confirming they would charge my account for {$100.00}. I did receive a confirmation letter of the samples I purchased and a letter of them cancelling XXXX XXXX XXXX XXXX purchase order the purchase id XXXX. I never received a letter confirming a purchased order. I thought this was very deceiving and misleading business of XXXX XXXX.Thank you
On XXXX/XXXX/2016 I contacted Equifax because the verification information they provide to IRS was incorrect. I needed to request my IRS tax transcripts and it asks me to verify my telephone number. I learned through the phone call and pulling my credit report that Equifax has/had no phone contact information listed for me. They also had no employment history even though I have worked for the last 17 years. I was able to provide an update for my employment history, but not my phone contact. Please note upon pulling my report during the call using the Equifax website, XXXX and XXXX have all of my current information. I was informed by several representatives that in order for phone/contact information to be added I had to contact my creditors and they would have to correct the information. I asked which creditors could up date this because it appeared that of my XXXX or so creditors, none of them reported anything about me in the last 17 years.The rep stated that all of them could. I asked for equifax 's contact number so that the creditors who could do this I could provide them with contact information ; I was informed that they have the information needed to correct this information.Additionally I was told that I would have to place a fraud alert in order to put a phone number on my credit account and fraud alerts only lasts 30 days. I called XXXX XXXX, XXXX credit, and XXXX XXXX. All XXXX informed me that they report the same information across all credit bureaus every 30 days which includes my employment history and contact information. Each creditor stated that do n't call the credit bureaus directly, that everything is done through the system. They each verified that my phone number, address and employment was up to date and was submitted to Equifax as late as XXXX/XXXX/2016 in one instance. XXXX XXXX made an exception and resubmitted to Equifax XXXX/XXXX/16. I called Equifax back with XXXX XXXX on the phone and was informed informed that there are no alternatives. I asked if there was someone there with technical expertise because it seems impossible that no one submitted any information to the credit bureau. I asked if maybe there was something that is not getting loaded properly, and I also asked for a supervisor at that point the representative hung up the phone. I also attempted to dispute names that I never used and was n't able to do that as well.
Before I went to  XXXX  school,  Navient kept enc ouraging me to put my private student loans on forbearance. My monthly minimum payments has now increased to over {$400.00}  ( four hundred ) d ollars per month. I have tried to make {$100.00} to $ 150 monthly payments, but  Navient co ntinues to send my name to collections for late payments. I have had several conversations with customer service and they are not willing to accommodate my financial situation - my   XXXX   student loans are {$280.00} per month ; my federal student loans are about {$220.00} per month ; my rent is {$1900.00} per month ... I am a   XXXX   XXXX   in Massachusetts and only bring home about {$1300.00} every  two  weeks ( {$47000.00} yearly salary ). I have told  Navient  that I am already struggling to find more affordable housing in  XXXX  and keeping up with my other bills and living expenses. I would not want to end up homeless because  Navient do es not want to accommodate my current financial hardship. I have repeatedl y told Navient that  I can make $ 150 monthly payments towards my loans, b ut Navient cont inues to encourage me to make that payment on one account and place the other loans on forbearance.
Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 The above is the original compliant and request for assistance. I called the company regarding paying off my account before vacation in XX/XX/2018. I learned that there was an overpayment in the amount of {$700.00}. I was sent a check for that amount. During the next billing cycle, I notice that {$700.00} was posted to my account as a sale and included in my bill. I called to dispute this and to date there is no resolution with regards their clerical error. The amount is shown as + {$700.00} sale. I spoke with several supervisors at least twice monthly and asked that the amount disputed be removed. I have stopped using the card and paid all but the {$700.00} that was added to my account. XX/XX/2018 {$23.00} interest charged XX/XX/2018 {$19.00} interest charged XX/XX/2018 {$16.00} interest charged XX/XX/2018 {$27.00} late fee charged XX/XX/2018 {$17.00} interest charged I called again regarding the posted charges and a supervisor assured me that since there is an ongoing dispute the charges would be removed. However they are still posted on the account. Pleas help me with this dilemma. Thank you in advance.
I was contacted on Monday, XXXX XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XXXX XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from XXXX. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on the XXXX of this month. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.
Due to the recently announced Equifax breach, I have tried to request a Freeze on my credit report with all XXXX bureaus. I have tried contacting the freeze phone number for Equifax and XXXX that is published on XXXX 's website ... I receive an error message stating that the service is not currently available. I have made the phone call attempt multiple times. 
From there, I tried to submit the freeze request via online. This attempt was also unsuccessful as I get an error message that the server is not available. 
I was successful in requesting a freeze through XXXX, however both phone and online options have not been successful with Equifax or XXXX. I need to request a credit freeze due to the breach, but can not do so. The attempts made have been XXXX times, literally. In other words, I am not submitting this complaint after only trying the phone number or online XXXX or XXXX times. I have literally dialed the number and/or tried the online request XXXX times. 
My credit and identity is at request through no fault of my own and I would like to request a freeze for my protection, but the tools that Equifax and XXXX have provided are not in working order.