WillisBack/dataset-financial-user-claim huggingface dataset:
Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and XXXX, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT! Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!
TO THE # CONSUMERFINANCIALPROTECTIONBUREAU : # StateFarmXXXX has NOT been processing my automated monthly payments timely and has caused my bank account with the # XXXX to go overdrawn 3 months in a row. 
State Farm has tried to blame my bank, who knows my banking behavior and knows me, since I have had this account with the XXXX over 20 years. 
Throughout this time with the XXXX, I have done business with many other companies, which I permitted automatic monthly deductions from my bank account, to pay for a service or product. 
But I have NEVER experienced this before with any other company, where they were so slow in taking out or pushing the necessary buttons to take outfrom my account topay my insurance. 
Not only has State Farm caused me to go overdrawn on my Bank Account, but this slackness on their part incurred fees to my account, fees which I can not afford. 
Instead of pulling out from my account the set date or the next day, or even when I called to make the payment early, State Farm would wait to pull from my bank account, 4-10days after the set day, on the exact samedays that other transaction/s happened to be pending. 
Right? I thought since # XXXX & StateFarm ARE RIVALS, and since # President # Obama and his 'brothers ' have had access to all sorts of # Securities and # Banks, that maybe they are trying to drive State Farm out of business, because I have NEVER had any problems with State Farm before. 
However, it has been since XXXX, that I just most recently resumed business with State Farm, in the XX/XX/XXXX. 
This practice of waiting to deduct from my account days after the set date, or NOT even deducting when I callin early to make a payment, and then deducting one too many days after when I happen to have another transaction/s pending on those days, IS of GREATconcern to me. 
Like many Americans, I live paycheck to paycheck. I am poor. I do NOT own a personal computer because I have been displaced, moving place to place trying to obtain work, where I can afford housing. 
When 'Big # Banks ' or Big Companies begin to find ways to exploit their clients based on the data of their banking behavior and/or purchases and those locations of those purchases, I personally become more 'affected'by this. 
I have tried to resolve this issue for several months, back and forth, back and forth, back and forth. 
But, I am not pleased with how this is being handled. 
I am in need of assistance. 
Sincerely Yours, XXXX
For the last few months I have been battling the Fedloan Servicing about a student loan that 's decades old. I feel as though I am due a refund because no college degree was earned and, since the loans are more than  XXXX  years old and  XXXX   XXXX  has decided that those earned credits are old and invalid and therefore cant be used towards a degree anymore making the credits earned worthless. That 's why I feel a refund is in order. Even so, in an effort to be as diplomatic as possible, I offered to negotiate a settlement to which I 've been told no. I am certain that there are thousands more in the same situation and that they would be more than willing to join in a law suit.
I canceld my card ending XXXX back in XX/XX/XXXX because I lost it I knew I would be recieving another direct deposit shortly and would need a new card as soon as possible. So i paid the {$25.00} to have my new card expidited. I received new card X/XX/2017. I have been receiving my normal deposit up until XX/XX/XXXX when I was not able to take XXXX dollars out of my account. I found out the next morning when I was able to get a rep on the line that my old card was charged {$1000.00} My account went negative {$720.00} I was told to file a dispute and this would all be taken care of within a day or so because it was clearly a XXXX up on their end. However I 'm still waiting on my money they have taking 2 checks from me my phone just got cut off today I 'm a single mom of XXXX kids who father passed away 2 years ago. We have been struggling for a week as a result of this and the only thing netspend has done was make broken promises and tell me that they understand
XXXX I had sent a direct ACH from another account that had bounced back without my knowledge being that I was out of town. A fee was triggered due to a gas post. Afterwards I had transferred {$300.00} into this business account and in the midst of my transfer being credited and another debit I was assessed another fee of {$35.00}. Then on XXXX, I was assessed an account maintenance fee. {$100.00} in fees within three business days, two of which were caused by bank glitches. 

On XXXX I checked my account balances and noticed an overdraft of {$65.00}. Upon checking my account balance, I had an account maintenance fee of {$29.00} which is supposed to be waived and a {$35.00} overdraft fee for a XXXX overdraft on a mistaken charge by XXXX. 

I have a Bank of America Business Advantage account which allows for a free account when you have Merchant Services with that account. It is expressly stated in the disclosures. I actively pay for it monthly. 

When the representative looked up my account they attempted to redefine terms regarding what an active Bank of America Merchant Account is ( A supervisor by the name of XXXX who refused to add any additional information besides her name and that she worked out of the XXXX Office ) She asked me to look at my account disclosure agreement which determines whether or not I am charged a fee and I did. XXXX said that I have to have an active Merchant Account with B of A Merchant Services, which I do, that I pay for. Which I said I do. 

She said, that it is only active if I batch within a 60 day period. None of the agreements state that, as well as I have batched several months this year and have been charged fees regardless. 

When I confronted her about this, and the abusive nature of trying to change terms that are not in writing nor agreed upon, not to mention being insulted and being told the only a first name XXXX, in XXXX with no other identifying information. I was extremely insulted. 

In the past 5 business days Bank of America has charged me {$160.00} in total bank charges based on bank glitches, maneuvering around agreed upon contracts and changing the terms with no proof or disclosure. 

I am concerned that I have been targeted by the bank for systematic fee abuse.
Received a letter from Afni Inc : based in  XXXX , IL, stated that they are collecting a debt for   XXXX   XXXX   XXXX   XXXX   for  XXXX  dollars. Called the   XXXX   XXXX   XXXX   to verify the debt, they said there is no collection or any balance owed for me. This letter is a scam. I also checked my credit report for this collection, it showed nothing negatively.
According to XXXX Management, I am in a collection status for a payday loan that was taken out on XXXX XXXX at a Cash Central Location. I have never been to a Cash Central location, nor have I ever received any payday loans. I have taken online installment loans. But all those accounts have been paid in full and I have verification of it. One of the references they stated I put down was an ex-significant other. I asked them to send a copy of the Notice of Collection, and received nothing. I have tried to ask them for as much information so that I can try to verify exactly where this debt might have come from. They continued to say that I was " refusing to pay '' but I just wanted verification of the debt. I refuse to pay for a debt that I did not create.
It's fraud the inaccurate 's on my credit report which are the soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my Experian, XXXX, XXXX   credit scores and credit reports my XXXX  XXXX adult son and the XXXX   XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own thats why I haven't pursued criminal charges or law enforcement presents in the fraud situation
I have a Capital One account XXXX that was opened in XX/XX/XXXX. My pay history shows late for XX/XX/XXXX - XX/XX/XXXX. I paid account full without any late payments.
TransUnion charges {$10.00} to initiate a freeze or lift a freeze online. This is exploitation at a time when a large number of Americans are affected by the XXXX data breach. Why should I pay for protecting my data when I never consented to its collection in the first place?
Lvnv Funding Llc is claiming that I owe {$430.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Lvnv is  what they say is the original creditor. They wouldn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill, how am I going to pay the balance.
I applied for a free credit report on Experian 's web site and was charged  XXXX  a month instead. This is what the page says : When you order today, you 'll get : Free Experian Credit Report Report Refreshed Every 30 Days on Sign In Toll-Free Support Available 7 Days a Week Experia n Credit Mo nitoring Alerts FREE Completely Free and Easy Experian agreed to refund my current month 's charges, but NOT the charges from the month prior, for which they sent NO email, invoice, or any record that I was being charged. I only discovered it on my credit card statement, which of course reflected the PAST month 's charge. This is a trick. My credit card refunded my money, but I do n't want others to be duped by this unethical practice.
I signed the loan agreement with disclosed rate. What I did not understand is the way fees were calculated the day after you make a payment the new finance charge is front loaded on to the balance. If I paid according the the schedule I would pay approximately {$5000.00} for a {$1000.00} loan
XX/XX/XXXX XXXX XXXX {$5300.00} I HAVE TRIED CONTACTING THE MERCHANT WHICH LED TO DEAD ENDS AND RED FLAGS. I ALSO CONTACTED ATT UNIVERSAL CITICARD TO FLAG THIS CHARGE AS FRAUD. I HAVE BEEN DEALING WITH THIS CLAIM FOR MONTHS AND FINALLY WAS TOLD ON XX/XX/XXXX BY A MAN NAMED XXXX, A SUPERVISOR IN THE FRAUD/SECURITY DEPT, THAT THE CREDIT WOULD BE THERE BY THE 2ND WEEK OF XX/XX/XXXX. IT IS NOW XX/XX/XXXX AND I HAVE BEEN TOLD THAT I HAVE TO START ALL OVER AGAIN. THEY WANT ME  TO RE-SUBMIT A CLAIM LIKE IT NEVER HAPPENED AFTER I HAVE BEEN CALLING AND WAITING FOR MONTHS AND THERE ARE PLENTY OF RECORDS AND NOTES ON THE ACCT FOR ALL THE TIMES I CALLED AND THAT I WAS TOLD I WAS GETTING MY CREDIT BACK AND THE INVESTIGATION WAS OVER. I HAVE DONE EVERYTHING THEY HAVE ASKED ME TO DO AND THEN SOME. I HAVE A BEEN A CUSTOMER FOR A VERY LONG TIME SO THIS IS VERY SAD THAT I HAVE TO GO TO THIS LENGTH AND I EXPECTED TO GET THIS TAKEN CARE OF WITH NO ISSUE BUT THIS IS GETTING TO A POINT WHERE I M CONSIDERING CANCELING MY ACCOUNT AFTER 27 YEARS.
Today I got a call from a debt collector TSI. The rep said it was on a recorded line despite me not giving consent and I asked what it is in regards to she told me and I asked to only correspond by mail with no more phone calls. She then asked me how I would like to take care of the matter and I said when I get the paperwork I will have a look at it. She said well the paperwork takes 7 to 10 days to get to you I need to know how youre going to take care of it before then and I said this is the 2nd time Im asking you to  only correspond by mail. This is total harassment! 

She laughed and said youve been in collections for almost a year Im asking how you plan on paying for it I said this is the 3rd time Im asking to correspond only by mail. 

She said I know you are aware of this bill and I want to know how much youre going to pay today. I said this is now the 4th time Ive asked to end this call and correspond by mail only. 


She said youre in collections you owe {$1000.00} and I need to set up the payment today and I said for the 5th time i am asking to only correspond by mail on this matter She laughed again and said well we arent going anywhere I will end this call now and will call you again
XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. I am losing thousands of dollars because of their inconsistent and therefore inaccurate reporting. 

My report dated XX/XX/XXXX showed 7 90 day lates. Also the history shows that in XXXX it was 4 times late but then in the report dated XX/XX/XXXX shows it 5 times late. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. Then on my report dated XX/XX/XXXX the information changed to 33 90 day lates. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screen of my XXXX and XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score.
This woman is Caller ID Spoofing my husband 's cell phone number so I think it is him calling. When I answer she wants me to pay a debt that does not belong to me. She says my husband 's company owes it. I do not know how she even got my number as I am not associated with his company. She has stalked my XXXX page, threatened to sue me, called relentlessly and I have asked her not to call. It 's not my debt. She says she is going to call me every single day until someone takes care of it. She even told me to go steal the checkbook and write them a check!!! I find this pushing collection a little too far!!!
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs at no cost to the victims. Credit fraud protection should be mandatory for every account. The public should not be forced to pay for Equifax 's mistakes nor should Equifax be allowed to profit off of the fall-out from these mistakes. 

I hope to freeze my credit however in researching this process I will be forced to pay for these services, effectively rewarding Equifax for their gross negligence.
Others in Ohio or IA state and in California state frauded using XXXX fraud scams frauding a XXXX truck or car XXXX frauding auto insurance policy and auto Manuels. 

I had worked for a XXXX auto store in XXXX in 1986 time frame.. 

Then all those banking locations in California and Ohio or IA used Autos for sports and sports players accounts and stadium building permits I was always turn down for loans and credit cards and Indiana State is largest steel manufacturer zone for the USA which also build stuff for USA automotive industry as states copied me and my documents and denied me stuff
I check my credit and found a collection from DEBT RECOVERY SOLUTION. They had never sent me a validation letter or anything and put it on my credit.
I hold a home loan from XXXX A/C No -- XXXX. My credit report shows non-payment in the month ofXX/XX/XXXX &XX/XX/XXXX. But my EMI of XXXX was debited in each of these month on the last working day of the month. This is hampering my credit sscore badly.
I borrowed {$10000.00} on XXXX XXXX, 2013 from Western Sky Financial. They then charged a {$75.00} doc fee out of the loan amount. Then I made payments of {$740.00} for 15 months and borrowed money from my mother to payoff the loan, the payoff was {$10000.00}. I made XXXX payments and the payoff was still more than the original loan. The interest was 89.68 % if the loan had been paid in full the total amount would have been {$62000.00}. I was just informed that Western Sky has been sued for this exact type of loan in multiple states claiming the interest rates far exceed many state and federal interest rates.
Experian : Many Cerified letters sent,XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX amounts spend {$6.00} {$3.00} {$3.00} {$330.00} {$3.00} {$3.00} {$3.00} {$330.00} {$330.00} Certified Receipts. Asked Experian to remove old address with no results! Address not deliverable to me by U.S. post office they are not reportable by FRCA. Inquiries ( hard ) did not provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry.Reports state Reason unspecified not acceptable. Auto inquires stated count has one in a 30 Day period Experian lists them separate. Mortgage inquiries in a 30 day period count as one inquiry listed has single accounts and Auto inquires. I have tried to do my best with Experian results are poor! I 'm a XXXX Vet and I should get help I need from Experian.
these are all, unathorozed inquires on, my credit report and are due to identy theft XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX
Hi, so I currently have an auto loan through Consumer Portfolio Services , Inc. And my concern and complaint it that they claim they are this ... " Consumer Portfolio Services , Inc. ( XXXX ) is a specialty finance company that provides indirect automobile financing to vehicle purchasers with past credit problems, low incomes or limited credit histories ''. But all of my billing statements they mail me, boldly state they are a debt collector and are collecting a debt. And also when calling me, me calling them, or them leaving messages ... they again, state they are a debt collector. My auto loan is not a collection, nor a debt that they are hired to collect on, so it really makes upset that I am being treated as such. I really do n't feel like this is legal and it does n't make for good practice of their company. Another thing, any time that I have ever been late on my payment ( which I 've never been more than a month behind ), they will call me over and over and over, and they will also call every single one of my 10 family members I listed as reference when I purchased my car, and was asked by the salesman for these names and numbers, and they are truly harassing me and my family by doing this. I 've asked them on several ocassions to STOP and they have continued to do it. And one last thing ... I 've made over {$7000.00} in payments to them since I got a loan through them in 2015 and only around {$320.00} has been made towards the principal of my auto loan. That is OUTRAGES!! My auto loan is the same amount due as what it was in 2015. I know this company has been sued in the past and they have a lot of complaints on them. I really wish I would 've known more about this company before buying my car.
The reason that I selected " didn't try to correct this with the company '' is because the company, EOS CCA " parked '' a collection account on my report with XXXX. They have not made any attempts to contact me and I have no idea what the collection account is in regard to. Today, I sent, by certified mail, a letter asking for validation of the debt. I am a XXXX XXXX and will be moving back to the USA within 2 months and now I have this on my credit report. It is against the FDCPA, section 809 ( a ) for them to do this. 

A quick search via XXXX shows that this company frequently does this. I would like the CFPB to investigate them for their practices. 

Again, I am not necessarily disputing the debt, as I don't know what it actually is for. I'm filing the complaint regarding their tactics of " parking '' on my credit report, which has been found by the FTC to be sufficient for " contact '', and their failure to validate upon initial contact.
I am being charged overdraft fees ( NSF ) when my checking account is still in the positive. 

On multi days in XXXX of XXXX. 

On XXXX XXXX, XXXX, XXXX. 

Each time my account goes less than {$38.00}, BBVA Compass applied a NSF Fee of {$38.00} making my account negative then they charge additional NSF fees for all other transaction
The complaint is with XXXX and XXXX XXXX XXXX I have the benefit of my mobile phone being insured as long as I paid my bill with my VISA card. This is what sent to XXXX and XXXX XXXX XXXX : In XX/XX/XXXXI dropped my XXXX and broke it. I ca n't see what 's on the screen and it has been acting up since I dropped it. I am desperate for a new phone. I meet all the requirements, have uploaded everything needed to be reimbursed for the cost or replacement of my XXXX XXXX. When I got no response to the claim that I filed by phone in XX/XX/XXXX, I filed an online claim. Every time I talk to XXXX XXXX XXXX I get the run-around. I paid my XXXX bill for years with my Wells Fargo Visa. I have a broken phone which is covered in my card benefits. Surely this is not the way XXXX treats its customers. Please take control of this and resolve this issue before I have to take further action. The claim number filed by phone is XXXX. The claim number filed online is XXXX. Thank you. XXXX XXXX XXXX XXXX XXXX needs AT LEAST some attention for not resolving this issue in a timely matter. I 'm still waiting for a resolution.
I paid in agreement with the settlement with Chase bank and XXXX XXXX on XX/XX/XXXX. The reps that I spoke to and paid agreed to update my account as paid in full. I need this done asap!
They tell me that I had owed a debt from  XXXX  credit card, and they can not sue for it due to the age of the debt. I tell them that I am on a fixed income and they still offer me a high amount to pay it off. When I asked to stop or cease contact they refuse