WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for the credit card while making a purchase in order to get into the rewards program. I earned my first reward for {$10.00} off my next order. I attempted to use the reward and it came up as an invalid number. I spoke to numerous people and no one could get it to come up as valid. I had to cancel my order and cancel the account. I earned a {$10.00} reward that I was NEVER able to use. I believe the rewards program is a scam to get people to apply for the credit card.
Given that Equifax is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Equifax clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX
2.5 years ago I went to XXXX and leased a van after them telling each month it gets report to the credit bureaus! Well now that my van is almost paid off i went to try to get a newer car and found out they never put one payment on my credit! If they can repo my car if i dont pay and put it on my credit why are they not showing me paying every month on time?
American Express attempted to call me on XX/XX/2018 and again on XX/XX/2018. The first call was missed. The second call on XXXX I answered. The reason for the call was because a payment was past due by 6 days. If this happens again, this account will be turned over to a debt consolidation company where no immediate contact with the cardholder will be permitted. I would advise that people listen to the telephone conversation which was illegally recorded. American Express claims that I'm not willing to work with them. What American Express doesn't understand is that I'm more than willing to work with them, but when certain representatives don't act in a professional manner, I'm not willing to work with those individuals. American Express should not assume that anyone is going to work with people who aren't fit to be in customer service. If American Express isn't willing to resolve this issue by getting respectful people who are respectful to people on the phone, then American Express is the reason why people make it difficult to be contacted.
XXXX XXXX XXXX XXXXXXXX is reporting to all 3 agencies that in XX/XX/XXXX & in XX/XX/XXXX there is " no data available '' although I paid both months on-time and in full.
To Whom it May Concern : I have recently been informed that there is negative information reported for bankruptcy the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing is invalid. 
I am unaware of the bankruptcy or " having a charge off '' ) with this company. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Wrong name. XXXX incorrect. Not my name, please remove. Also length of credit history wrong. History is over 30 yrs
I went through an eviction with an apartment complex in 2014 and was told in court that the amount owed was {$2700.00} plus 5 % interest. But a few weeks after I vacated the premises I received a letter stating that I owe {$8200.00}. When questioned where did the additional {$5000.00} come from, I was told that it was for the eviction process. I asked for proof stating that I owed the additional amount and I was never given it until a full year later when I contacted the collection agency handling this case. I informed both the collection agency and the apartment complex that this amount was incorrect and being reported on my credit report. I was given a ledger which lists the debt but it was very confusing to me and the collections agency advised that they would send a dispute letter but never did.
I am running into filing a dispute with Wells Fargo Credit Card Services. I filed a dispute with them XX/XX/XXXX via the only method they allowed, fax machine. I called their primary phone number in XX/XX/XXXX to follow up and was told that I must wait 60 days to follow up. I called in today they have no record of my claim. I asked to speak with someone in the credit dispute department and was informed that is n't allowed, they only allow internal communication. It is unreasonable that the credit reporting department for such a large company does n't allow any access for consumers to contact them directly. My only alternative now is to submit my claim via fax again and start the two month wait all over in hopes that someone responds this time. This is completely unreasonable for such a large company when the credit reporting they control has such a substantial impact on their customers life.
Santander Consumer USA Inc. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code XXXX. On XX/XX/XXXX Santander Consumer received a certified letter given 30 days to respond with a list of questions requesting validation of a alleged debt ( loan ) that was suppose to been provided by the company, Santander ignored the validation letter. 
On XX/XX/XXXX A letter headed second opportunity to XXXX was sent out after not receiving a response from Santander Consumer USA Inc within the given time applicable by law. Then a 3rd letter headed Notice of Discharge of obligation to pay instrument was sent to them on XX/XX/XXXX after they defaulted by not responding nor showing proof of claim. 

Santander Consumer USA Inc, unlawfully without a court order or proof of claim arbitrarily deprived me of my property without due process of law. The seizure of my property without a warrant and without a court order is a violation of FRCP rule 41 and 18 U.S. Code 983. 

I was never personally given any loan from Santander Consumer USA , Inc and was never given any accounting or receipt disclosing the transaction which took place between Santander Consumer USA , Inc and the seller. It is more then clear that Santander has committed fraud being that Santander is a Corporation/Bank and corporations or banks can not lend credit. Due to the fraud committed by Santander Consumer USA Inc, my identity was stolen due to the company using my identity to receive money from the Federal Reserve or FDIC, my rights were violated under color of law and my property was stolen from me unlawfully. 

" A bank is not the holder in due course upon merely crediting the depositors account. '' XXXX, 229 NYS 2d 142, 143. 
" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. '' XXXX. 92 F 26 817. 
" The contract is void if it is only in part connected with the illegal transaction and the promise single or entire. '' XXXX, XXXX, XXXX. 
" It is not necessary for recession of a contract that the party making the misrepresentation should have known that it was false, but recovery is allowed even though misrepresentation is innocently made, because it would be unjust to allow one who made false representations, even innocently, to retain the fruits of a bargain induced by such representations. '' XXXX, XXXX. 
" It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are XXXX '' XXXX, XXXX, XXXX ( 1926 ).
Experian has refused to freeze my or my husband 's credit report because we can not answer ridiculous security questions - for example, with what bank did we take out ( for two months ) a car loan 12 years ago. Another - who held a mortgage on our house, also for 2 months, over nine years ago. Another - to whom did we sell our last house, over nine years ago. 
I am XXXX, my husband XXXX. Experian has compromised our accounts, according to them. We can not possibly answer such, or other similar, questions. 
All transactions were by phone, so I have no written record.
I paid off an outstanding account in full with XXXX credit card. I have asked the company to update my credit report and that they provide me with a letter stating that all the accounts I had with XXXX were closed and paid in full. I have made XXXX phone calls so far and have been unable to get a letter or any results. I had XXXX accounts with XXXX. They keep sending me the same letter for XXXX account but not for both of the accounts especially the XXXX account I paid off that is still showing on my credit report. I called today to report that they only sent me XXXX copies for the same exact account and that I would need a letter for the other account. The XXXX person said I needed to be transferred and disconnect the call. The XXXX person would not give me his name was XXXX with reference number XXXX. After taking all of my personal account information he stated that he was able to review my account letters and saw that XXXX were mailed out. I informed him that they keep sending me the same letter for XXXX account number and needed XXXX different letters XXXX for each separate account I had. He then stated he could not hear me and disconnected the call. This has been going on for over a month at this point and I still do not have the letter I need to get this removed from my credit report, since XXXX keeps stating I need proof it was paid. Please help to get this resolved.
Suntrust Mortgage continues to charge me $ 20/month for a property inspection when the account is less than 45 days late. It has been disputed to no avail. This is on top of the late fees. I am also receiving mail from XXXX XXXX XXXX XXXX ( XXXX ) claiming that they have been hired by Suntrust to " Advise '' me of this debt. I have contacted Suntrust, by phone, and Suntrust claims that they have not hired XXXX. I have sent a drop-dead letter by certified mail to XXXX. They have continued to send me mail and XXXX actually showed up at my house on Saturday, XXXX/XXXX/15 requesting my driver 's license to verify information.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's response to following SPS compliant responses : Based on the generic quality of the SPS responses I assume the following : Attached is my most recent SPS mortgage statement. 

Please note that the escrow exceeds P & I, which is an uneconomic position that I have carried for 11 years. 

Please not that I did not get a principal reduction from XXXX at the point of my XX/XX/XXXX modification. This would have brought be great relief. 

XXXX substituted the principal reduction with a {$140000.00} Deferral. A reduction would have opened refinance options and reverse mortgage My monthly payment after the XXXX modification is higher that my payment prior to modification. 

Today I am seeking a short sale or a long-term principal reduction because I can no longer afford the payments since I am a XXXX XXXX. 

SPS is not interested or willing to investigate and negotiate with me. 
All of my savings are in this home. 

Another interest point in the amortization and home payment history. 
My principal balance remains equivalent to the origination principal after 11 years and paying off XXXX mortgages. 


SPS consistently avoids the Fraud Challenges of the original Mortgage and modification. I would encourage CFPB to instruct SPS to contact and work with the originator and modifiers Sincerely, XXXX XXXX, XXXX
I would like to pay back my principal amount of {$1000.00} but Castle PayDay will not allow me to repay.
I have an escrow account on my mortgage and requested my property tax to be paid before XX/XX/2017. Wellsfargo agreed and sent the payment late. I paid amount of {$5300.00} since the payment was not received in timely manner. XXXX XXXX County refunded Wellsfaro the amount of {$5300.00}. There have been 3 different people assigned to my case up to this date and I have not received the amount that I advanced myself.
Sunrise Credit Services keeps calling me on my cell about a XXXX XXXX XXXX XXXX account that I do not have. They are trying to get me to pay money on an account I do not have. I 'm not sure how they got my information.
I am concerned that medical bills are on my credit report. I was fully insured when these bills were sent to Transunion. I was informed by another credit agency that the hospital was n't suppose to submit these bills to a credit agency if I had insurance at rhea time of treatment. I submitted a dispute XXXX XXXX, 2015 stating that fact and was informed that the items would remain. 
There is a concerted effort among the XXXX CRAs to always have at least XXXX agency to keep the negative info on file. XXXX will delete info but always XXXX will retain the derogatory info. This to me is a form of collusion and should be investigated. The new mandate from the ruling of the Affordable Care Act has made it illegal to report medical bills to CRAs if the individual was fully insured when the hospital visit occurred. 
Please help to correct this matter.
In XX/XX/XXXX, I used College Ave to refinance a loan I had with XXXX ( now XXXX ). There was an overpayment by College Ave in the amount of {$630.00}. It is now XX/XX/XXXX and I have yet to be reimbursed despite many phone calls and promises of further action. In the most recent portion of the saga, XX/XX/XXXX I received a call from XXXX they issued the refund to College Ave ( after reaching supervisors and filing a complaint for XXXX  with CFBP ). I made a conference call XX/XX/XXXX to confirm what information each company needed, and was told by College Ave Rep/Supervisor it would take up to 2 weeks to process this check once received. Allowing for holiday time etc, I called XX/XX/XXXX and was transferred to same College Ave Supervisor XXXX. There was no receipt of the check. After arranging to speak again with XXXX on XX/XX/XXXX, I made more conference calls and received tracking information and address to where the check was sent with both parties on the line. I was assured by College Ave Supervisor this would take a couple days to track using this information, up to maybe the following Mon XX/XX/XXXX. 
I called the next Thurs XX/XX/XXXX directly spoke with College Ave Supervisor and she said her company was still researching my check, and she would call me back. No call back. I called Fri XX/XX/XXXX, and spoke to another woman answering the College Ave Supervisor line and requested her to provide me with whatever update information she could. I received no call back. It will be a complete 7 months of this back and forth. I thought it was XXXX mainly for delaying and sending the wrong check twice. Now from College Ave Im receiving faulty promises that this is being expedited and that they are understanding of this recent delay. Im being told they care but no action has taken place. It has been 7 weeks or so since the check left XXXX. I was told 2 weeks to process. It has been another 7 Business days ( 10 days ) that I was told this was getting looked into, they said it would be 2-3 days. I was told I would be called back. I was not. I feel disrespected and as if someone has stolen this {$630.00} from me- not to be so dramatic, but I dont know whom I can trust that Im ever going to get my money back. My loan is being charged with interest amount ( {$20000.00} ) with my already paid money. And even the interest Im supposedly promised to be returned to me once the check is in, does not make up for the HOURS and angst Ive spend calling and emailing tracking this money down. Ive only shared about the phone calls in the past two months, there were a dozen more between the two companies I have records for. I am writing in hopes College Ave reviews their practices and how they handle overpayments/refund checks in the future, and also in hope that I will actually receive my refund and interest. Im not sure how more to escalate this. Thank you for your time.
I received a credit alert ( XX/XX/XXXX ) that a late payment was posted to a credit bureau. When I contacted ( XX/XX/XXXX ) XXXX they sent an Email telling me there was no balance on my account. I then received another Email ( XX/XX/XXXX ) from XXXX to check my account. Because I didn't have the account number I could not access the account. 

I then received a call from an agency requesting payment. I asked them for the account number but they refused to give it over the phone. They said they would mail it to me.. I had made 3 payments of {$40.00}. On XX/XX/XXXX i received a bill in the mail showing I owed {$120.00} After over an hour on the phone I found that the {$120.00} interest free purchase I made their was a balance of {$9.00} and fees had accumulated to a new balance of {$120.00}. I talked to customer service and tried to explain that I had contacted XXXX and was told there was no balance but they explained they were XXXX XXXX and not XXXX XXXX.where I had made the purchase. 

As you can see from documents I submitted XXXX and XXXX XXXX appear to be the same.
On XXXX XXXX, XXXX I received a letter from Citi Bank that stated I was enrolled in Credit Protection Program. Since I have never had a banking account with Citi Bank I called the Citi Banks customer service on XXXX XXXX, XXXX. The Banks representative asked for my SSN and checked if there was any active bank account on my name. Luckily, there was none. However, the letter included the account ending number : XXXX and the Customer Reference number : XXXX. So obviously, there was some account opened in the past. 
I would like the CFPB to investigate this matter. I am very concerned of stolen identity and fraud. 
Thank you in advance
I co-signed a loan for a fellow student in XX/XX/XXXX.

He had several loans with co-signers before this loan.

By XX/XX/XXXX, I was notified I was responsible for his loan payment, after it was in default for several months. 
I have been paying this loan on and off, as instructed, but since XX/XX/XXXX I  have been paying it consistently through Navient. I have made requests to Navient to be released several times. They tell me only the borrower can release me. 
I located the original borrower, and went to his house this past year, he informed me he had applied for loan dismissal - since he claimed bankruptcy due to XXXX in XX/XX/XXXX. 
He also said, all the co-signers except me, were released from their obligation in that bankruptcy court decision. 
He reports he continued to fight for my release, but had no success. 
I am requesting a review of these events. 
The borrower has been helping me to exhaust all avenues to release me from this obligation. Can you please help me.?
I had three credit cards with XXXX XXXX going back to XXXX in various credit limits : {$300.00} business XXXX, {$1200.00} XXXX and {$2200.00} XXXX. In XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XXXX and XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from XXXX about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. XXXX XXXX employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XXXX to find the fake XXXX XXXX charge off back on my credit report. The statue of limitations in XXXX for collecting is three years. Equifax is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries, that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for Equfax puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off Eqifax was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX ; the XXXX XXXX alleged debt appears on XXXX  again along with a debt collector XXXX XXXX with fake address and phone number ). XXXX XXXX did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX XXXX account.
XXXX and Experian keep returning with the same old " that XXXX has certified I owe the debt and they have verified that it is mine '', etc ... 
Experian has removed one of the charges that are being treated as individual accounts. I'm still waiting on the other three. 
XXXX  just comes back right away with their generic responses. As of this date they will not re-investigate my complaints. I only just got their XX/XX/XXXX confirmation # XXXX. 
XXXX on the other hand, has three showing as closed.
In XX/XX/2018, I purchased a XXXX XXXX XXXX from van from XXXX XXXX XXXX in XXXX, Georgia. I could not get a state ID, having merely my military documents. 
They sat the payments back two months and charged me an awful interest rate for the first couple of payments. Then a month ago they started calling a friend 's cell phone without his permission or mine. This has taken a toll on the respect and concern from my friend who helps me get to doctor appointments and groceries and other things like that. They took away the one thing that I need. A helper! And I am legally XXXX and live in a remote area. He does not, nor I have to put up with this.. I need them to understand that the disrespect of privacy laws doesn't only hurt them legally, but it also hurts those who are victims of their failure to comply with federal mandates. I no longer need the van since I don't have a driver. they can not keep calling a third party without MY permission.