WillisBack/dataset-financial-user-claim huggingface dataset:
I do believe that my credit reports are unjust. I have 5 active creditors. And as upset as they are. I have every intention to pay them back. I have been going through a financial hardship. As we all do sometimes. However I am working with a legal team to resolve this debt. XXXX  XXXX XXXX. I do have an active account with them to resolve the situation. I have been working with them since XX/XX/2018. And I have enough funds to pay off four of the debts. It may take me another two more years to pay off the larger one. I have been asking them to work with me at this time. And I just want people to be aware of the fact that I am working hard to resolve this debt. Thank you for your time. I do appreciate it. Sincerely, XXXX XXXX
The balance on my XXXX XXXX XXXX account was settled and should now be at a XXXX balance.
I contacted Clarity Services to dispute information on my credit reports. I have over XXXX inquiries on my credit reports, many of them from companies inquiring about my credit. Clarity Services has sold my information to loan companies and banks that I never inquired about. I recently went into the bank to pay my daughters tuition and was rejected for a savings account. This stems from illegal, false, and bad reporting from Clarity Services, just to name a few. I would like Clarity Services, Inc to remove all of the negative reports sold to loan companies, banks, etc. I want no relationship with this agency. They were already sued for this same issue and now I see why. This company has to sell lies to companies to make profits and mess up peoples lives. I have a great job and I own my home. I have no reason to have XXXX inquiries on my credit profile and negative reports from a company that is in violation of my rights. I would like you to investigate this company and have them provide verification of all the false reporting and accusations held against me. I have already hired a lawyer. Please help me and possibly others. I 'm sure I wo n't be the last to report this illegal behavior.
I lost my daugher and my son. I am now losing everything, I am trying to short sell the home to start over and DiTech is saying they ran my credit report and that XXXX advised them their is no FICO score, nor do I have sufficient credit? I spoke with XXXX and they advised DiTech has requested nothing!!! This is holding up me going on with my sad life.
Hi, I was XXXX enough to fall for a scam. I was selling a table on an app called " offer up. '' A girl messaged me that her dad was interested in the table so she asked me to e-mail him XXXX. I emailed XXXX and he said he really wanted the table and he would give me an extra {$50.00} if I took it off the site and I held it until his movers could come get it. He was apparently moving into a new apartment and was away on business so his movers would be taking care of everything. He said he would be mailing a cashiers check to me so once that cleared they would come pick the table up. A few days pass and he emails me that his assistant made a mistake and instead of writing XXXX checks, she put everything in my name. So for my {$150.00} cut he sent a check overnight for {$2600.00} through USPS. I was skeptical when the check came but it was a XXXX check from a constructiion company in XXXX. I googled the company and it is listed as a licensed company so I thought I would help this guy out. I really cant believe I deposited the check ... ..I cant stop re-living that stupidity. Anyway, the check was deposited on a sunday and by tuesday it cleared. " XXXX '' asked that I send the {$2500.00} to the movers Bank of America account. I did this and 15 mins later my account was frozen and negative. This guy is a real piece of works. Once I found out what happened and filed a police report, I decided to mess with him. I emailed him that I never heard from the movers and did he know when they could pick the table up. He just told me this am that there was a problem so I could keep another {$50.00} and to deposit the rest to XXXX in Indiana. Now Im just messing wity this piece if XXXX. How can bank of America not flag this account? I doubt its the first time this happened yet it seems the scammer is protected by bank which only enables them to kerp doing it.
I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX datedXX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.
I spoke with XXXX XXXX at Harvard Collection Services XXXX HSC ). She was very rude with me while I was trying to get information about the accounts that I have. She would huff and puff and acted like she had an attitude because I was asking for information on my account. She was very disrespectful when I asked about the account information. I missed XXXX payments with them because I am a XXXX in Advanced Indivual Training at XXXX XXXX, SC and was not able to contact HCS during business hours. I informed her that I was gathering informatiion and would call back. However, she began to get loud and yell and informed me that I was XXXX behind in payments and that I needed to take care of the issue. I again told her that I would call back and she got extrememly rude and informed me that my entire balance would be due in full the next time I called. 

This is unacceptable. I am a Soldier trying to get my finances on track and I am being treated like this over a medical bill. She was unprofessional and should be fired!
Subsequent to an Eye care visit covered by Insurance ( XXXX Veteran ) XXXX alleged a debt of {$270.00}. They reported to Credit reporting agency in XXXX. In XXXX PlusFour Inc. is attempting to re-age debt and refiled with Credit reporting agency.
I ha d two   Discover cre dit cards  XXXX  and  XXXX . About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the  one c ard ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.   Next the started transferring money fro m one card t o the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.   In additi on Discove  r rep orted late payments, over drafts and others to the credit reporting agencies racking my credit causing me to have to pay more  in Insura  nces.
In regarding the fraudulent accounts that USA Funds have tried to collect. The company refuses to provide validation. The company refuse to take in consideration that this debt is not mines and was open fraudulently. They have no original contract, they have no original documents, no documents that states they own the debt or can collect on the debt. I 've found out that the original creditor they claim they 're collecting for, has never heard of me. This company is practicing fraudulent agendas and have no regards for the law.
on my couple of cards, there were transactions which were not approved by me. i tried to dispute with a credit card companies but they were not listing to me
I owe capital one a little over XXXX dollars. I gave notice over the phone that I would not be able to make payment for next three months. then a week later I started getting XXXX six calls a day and when i answer no one is there. i call back the number XXXX XXXX and it is capital one but there is no way to talk to any XXXX. very frustrating.
This was my mother 's XXXX XXXX XXXX account where I'm listed as the beneficiary. She passed away inXX/XX/XXXX. I  contacted UBS many times ( three times just in the last two weeks ) and every time they told me that they received the paperwork and someone in charge of the account will contact me later that day or the next day. 
The failed to call me every single time. The last contact was on XX/XX/XXXX when a representative called XXXX said they'll call me the same day but they never did. 

I submitted my mother 's death certificate weeks ago and also a UBS statement showing that I'm the beneficiary but they keep passing me around reps and making me hold on the phone for long periods each time. I'm attaching these documents to the complaint. 

Prior to my mother 's passing I submitted a power of attorney and letters from her doctors explaining she was incapacitated ( she was XXXX years old suffering from XXXX XXXX XXXX and unable to XXXX XXXX XXXX ) and I needed to access her account to pay for her assisted living expenses but UBS played the same game and never gave me access. As you can imagine this caused a lot of problems for me, I have spent hours dealing with this corrupt institution. 

There are similar complaints for UBS with CFPB, some exactly the same as mine such as # XXXX. I believe this is standard practice for UBS and they should be held accountable for deceiving their clients and try to keep our money as long as possible regardless of the hardship this may cause us.
Had lease with XXXX XXXX and was one payment behind. Car repossessed with substantial amout of personal belongings left in vehicle. XXXX advised me numerous times, the repo company had not reported it repossessed. I tracked vehicle via XXXX  being driven around XXXX XXXX area. After almost one year, XXXX has not sent one notice regarding repossession, intent to resale, balance owed or inventory of personal belongings. When I call the repossession number I am always asked for contact info for supervisor to return my call however, I have heard from no one.
I asked XXXX in XXXX XXXX KS. for a payday loan of {$100.00} they sent me {$400.00} then took out {$300.00} and charged me {$10.00} for taking it out. Then my bank got overcharges i had not the money to pay so i said i would take the other {$300.00} and they put in {$400.00}, and then {$530.00} and now i am told i owe {$900.00}. I sent an email stating i can not pay that. And now they want to offer me another loan to get out of this loan. I am so confused and i do not know what to do. It is to my savings account which i want to close but can not because i am being overdraft {$26.00} that i do n't even have because they keep sending it through. What are my options please help me?
Equifax is still showing account balances for two accounts that I have paid in full, and are now closed. One with the XXXX and the other with XXXX.
I have a direct express card which my SSI money goes on every month. I was a victim of identity theft today and Direct express mastercard is giving me nothing but the runaround. I had XXXX left on my card and now it is a XXXX balance. There were XXXX charges on my account for a total of XXXX which left me with a XXXX balance. I now have nothing to live on and am without any means of income. Direct express is telling me I have to wait 5 days to see if the charges went through and than file a dispute. This is ridiculous. I can not wait all this time to get my money I need to live on. Direct Express reps just give me the runaround telling me I have to wait. I have mental illness and I do n't want to endu p in the psych ward over this. Nobody is willing to help me. I filed a police report and Direct Express is giving me nothing but the runaround.
On XX/XX/2018 and XX/XX/2018, I sent Midwest Recovery Systems a cease and desist letter via certified mail. they were signed on XX/XX/2018 and XX/XX/2018. 

On XX/XX/2018, I sent Midwest Recovery Systems another letter via certified mail that was signed on XX/XX/2018 To date, Midwest Recovery Systems, is still reporting collection activity to all three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see evidence
I pulled my credit on XXXX XXXX and saw a hard inquiry from Citi Bank on XX/XX/XXXX who I have nor do I use and have never authorized a request for credit. There is no number to contact anyone and really would like to find out how to have this removed. 
Also on XX/XX/XXXX XXXX XXXX also pulled a hard inquiry, again do not know who they are nor have I requested credit through them. Please help me to remove these from my credit report. Thank you.
I am a victim of identity theft and there is currently a charged off XXXX XXXX account ( XXXX ) being reported to my Equifax that I did not create. In my most recent dispute, I requested Equifax block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX XXXX XXXX XXXX office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. In my most recent dispute, Equifax even refused to move forward because they are claiming that I have not sent them proper identification. I am using the same information Equifax is reporting on my credit so this is clearly bogus and just a delay tactic to make me have to wait even longer. XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am attaching a section of a recent credit report which shows how this account is only being reported to my credit by Equifax. XXXX and XXXX do not have this on my report. They deleted all records of this account because it was opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?
On XX/XX/2017 I got a call from Recovery Management from a masked number which was XXXX informing me or legal counsel to call XXXX with a case number of XXXX. Persons name was XXXX XXXX and when the Manager came on he demanded XXXX dollars on my debit card to hold my settlement amount of {$700.00} from a old XXXX debt. He threatened me with court action without letting me talk and hung up. 

I told them I settle for the {$700.00} but did n't have any money. I even said I 'll pay the {$50.00} to hold my settlement but as a one time payment not as a recurring payment. The manager said NO and said " we 'll see you in court '' and promptly hung up without letting me talk. 

On XX/XX/2017 they called several of my family members who have no connection to my financial situation. They called my brother and cousin and leaving them a voicemail with my name.
My chase card account was used fraudulently and it was deleted of my credit report and now its showing charged off witch still affects me. My chase card balance Should not have been sent to collections and charged off when there was fraudulent transactions and activity done with out my permission or my knowledge and I want the chase card bank to clear me from the debt. I should not be held responsible to pay off a account that I did not use. Most transactions were canceled but I never received the return payment after cancellation was processed.
I sent in a complaint about Bank of America, ( XXXX ) concerning my loan modification. Recently my income had dropped, and I sent a letter to Bank of America, explaining my problem and asking for a reduction of my monthly mortgage payment of {$830.00}. They sent me their response with a loan modification that costs more than what I was paying per month of {$840.00}. Obviously they are not interested in working with me to keep my home, which I have owned for 27 years. Also, they only call me when I am not home. How do they know when I am NOT home? They leave a message, and I call the numbers they give me and no one ever answers. Tricky. Tricky.
Payments mishandled Got bad info Reducing payments Flexible repayments Fees charged Customer service Can't delay payments Need balance/term info Keep getting calls Wrong info on report Getting a loan Credit reporting Credit/identity protection Improper use of report
My husband and I purchased our first home back in XX/XX/2018. We have made all of our payments on time every month ( the XXXX ). We made a payment for {$1500.00} at the end of XXXX ( which is showing received on XX/XX/XXXX ) but posted on XXXX from our checking account. XXXX Mortgage then took an unauthorized payment for {$150000.00} on XXXX that posted around XXXX. This caused our personal account to go overdrawn. We called and made them aware of the unauthorized payment and they requested bank statements more than once and we havent heard from them in days, so we called them. They needed MORE of the same documents. We also sent documentation showing proof of overdraft fees caused due to their unauthorized charge. Again days went by so we called again on XX/XX/XXXX ( first time being around XXXX when the unauthorized payment came out, then around XX/XX/XXXX ). They said on XX/XX/XXXX that the payment will be reversed for XXXX on XX/XX/XXXX and the overdraft fees on XX/XX/XXXX. We then called our bank to file a dispute because this was taking way too long and was causing more overdraft fees. They gave us the funds back with in 2 days. We then called Freedom mortgage because our account was showing NO PAYMENTS have been made for XXXX ( when two came out instead of one ) and they refunded the {$1500.00} as well when we only requested the XXXX. Due to their mistake AGAIN of refunding the wrong payment we received late charges. I spoke with a guy on XX/XX/XXXX that stated he will submit a request to have the late fees refunded due to their issue as well as the funds for XXXX were on hold with them so he would request to have them applied to our XXXX payment like they were supposed to be, but this was never done and we had to call again on XXXX due to XXXX payment being due. Once again we were told the request would be submitted. Then yesterday XX/XX/XXXX we received a notification that we were reported to the credit bureaus. We also went and made a payment for XXXX and XXXX plus the late fees just to avoid anymore fees or reporting. 

Our payments are due on the first of each month for {$1500.00}. We always make payments on time This place never had any idea what is going on and has us on hold forever to look through notes and they are so u professional. I will never use them again and may be looking to refinance with someone else already and it has only been 6 months.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Dob XXXX SS # XXXX Read the LETTER I SENT 10 TIMES I understand that some people can not read so I wrote it so very simple people could read remove ALL ALERTS FROM M CREDIT PROFILE!!!!!!! 

YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached Yes - YOUR STATEMENT - XXXX-EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. 
VERIFY ALL IDENTIFYING IN FORMATION
im having an issue with Barclays Bank reporting an old stale incorrect debt on my credit report and everytime I call and ask to speak to them about it they keep referring me to XXXX XXXX to whom they sold the account to but XXXX XXXX is no longer reporting and ceased collection activities furthermore there was only one XXXX account with Barclays bank but they are reporting 2 accounts XXXX and XXXX XXXX XXXX & XXXX XXXX so I am confused as to what is what and the account was defaulted a long time ago as the statue of limitations has passed and this is having a negative impact on my credit.
On XX/XX/2018 I requested that a bankruptcy ( GA Fed bk ct-XXXX ) be removed from my credit file. Within five days this item was removed from my credit file and updated on my XXXX XXXX & XXXX accounts. On each report it showed that the information had been removed from Equifax ; as it had already been removed from XXXX  and XXXX  because the information was due to expire from my credit reports reports. Equifax in the past has removed a similar account voluntarily before the 10 year mark that they claim is the minimum. The other credit reporting agencies remove bankruptcy info after 7 years, therefore Equifax should be no different.
To whom it may concern : I would like to file a complaint against Webster Bank and more specifically, the fees that the bank imposes for insufficient funds. Currently Webster Bank charges {$37.00} for insufficient funds per bank transaction. The bank fails to indicate the time when each transaction occurs. The bank only tells the customer the date of the transaction. In my case, I was charged four {$37.00} fees for transactions that the bank claimed, I did not have funds to cover. See attached bank statement from XX/XX/XXXX until XX/XX/XXXX. I was charged {$37.00} for four bank transactions that occurred on XX/XX/XXXX ( one ), and XX/XX/XXXX ( three ). I note that my balance never went to {$0.00}, and I deposited close to {$3000.00} ( {$380.00} plus {$2600.00} ) on or aboutXX/XX/XXXXI called the bank and asked the bank to refund at least 3 of the {$37.00} insufficient fee charges. The bank refused to refund any of the {$37.00} insufficient fee charges. I was told that I already had {$37.00} insufficient funds refunded to me in the past and it is the bank policy not to refund more {$37.00} insufficient find charges per year. I escalated my call to a supervisor, and I was told that someone will call me back within 24 hours, but no one called me back. I believe that Webster Bank insufficient fund police provides a revenue for the bank from " legally stealing their customers money. '' I also note that I have overdraft protection on my checking account. I believe that the bank should have use the funs available to cover some of the charges that were withdrawn from my checking account.
Equifax says that my personal information may have been exposed in a recent cyberattack. This has put me through undue stress in a rush to retrieve credit reports and place fraud alerts. Additionally, the Equifax website where one can check whether their information has been exposed is highly faulty. Many media outlets have reported how the site says that the information for made-up people with made-up social security numbers may have been exposed. This unreliability only worsens the problem of detecting if you 're at risk, as now everyone is in a frenzy and fraud alert and credit report websites are often unavailable because of the extremely heavy load.
Navient became my lender after XXXX XXXX they refused to help me and hit my credit - I made a huge payment this month because it was going on my credit report as late payment and it caused my bank to be overdrawn and charged 3 fees for each loan payment
PayPal is randomly sending PayPal account holders debit cards without permission ( unless permission is buried in fine print ). Recipients of the card do n't know what it is, why we are receiving it, if it was fraudulently requested, etc. -- then we have to spend 20 minutes holding for PayPal customer service only to find out that PayPal randomly sends the cards to account holders whether or not they request it. It is absolutely ridiculous and PayPal should know better.