WillisBack/dataset-financial-user-claim huggingface dataset:
I was victim of ID fraud from XXXX. XXXX has confirmed via phone and also sent me correspondence agreeing the account opened with my information was not authorized by me. I initiated a dispute with Equifax and received the final disposition that the information was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX '' I have contacted XXXX again to have this inquiry removed. Additionally I can find no way to dispute with Equifax via writing, email or via phone. The only selection is to file a new complaint or get status. This is an abysmal process. It is obvious from the recent activity my personal information has been part of a compromise and therefore is now being used to attempt fraud but the bureau has done a cursory review and did not even validate with XXXX.
XXXX merged my account with a woman who has almost the same name as me and she opened a auto loan that is showing up on my credit report.
For the past 3 years, XXXX XXXX has been sending paper checks to BB & T for my auto loan. This past XXXX, XXXX XXXX sent them a check for {$470.00} on XXXX/XXXX/XXXX with an XXXX of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I receive a notice that I 'm overdue on my XXXX payment and I also owe a late fee of {$16.00}. So, I pay the amount for XXXX XXXX and XXXX XXXX for a total of {$820.00}. However, I find out with the help of XXXX XXXX that BB & T had contacted them yesterday to let them know that they had received the check for {$470.00} from XXXX. The XXXX XXXX rep even verified that it was the correct check number. So in essence, the money had gotten to XXXX & XXXX When the XXXX XXXX rep asked if I would be getting a refund for the late fee of {$16.00}, since the lateness was not really caused on mine or XXXX XXXX 's part, the BB & T representative said no. Based on the information that I was given, the fault was clearly with BB & T, who refuse to give me my refund. The .same refund that have the shoe had been on the other foot, they would 've charged me interest for years to come had I not paid that off. Their claim is that the address the check was sent to was an invalid address. I find it hard to believe that after sending payments to that address since XXXX/XXXX/XXXX, that suddenly it becomes an invalid address without anyone informing of that fact until now. The BB & T service rep even told the XXXX XXXX rep and myself that the checks that come in through the branch are forwarded to whatever loan finance department they have, which I 've learned only a week ago is located in XXXX, NC.
I secured an installment loan from XXXX over a year ago. My payment due on XX/XX/2018 became delinquent and the company has called my house ( XXXX ) five ( 5 ) times and my cell phone number ( XXXX ) seven ( 7 ) times from two different numbers. These calls took place today XX/XX/2018.
I received this loan from Nelnet for {$5000.00} while at XXXX  XXXX University. 
I have started to make payments and I was told that I can not pay with my debit card online, I have to make a phone call and speak with a live person. 
And so I did, I paid {$250.00} with my XXXX debit card and I was told it would pay my {$170.00} pmt and the rest was going to principal. 

The month after I tried to pay the same way and they told me I could pay with my checking account but I could n't pay with my debit card because my bill was not due yet. 

So I waited till the following month and I wanted to pay {$250.00} like I did before and I was told I could only pay {$170.00} with the debit card but not {$250.00}, to pay the rest I had to give out my bank account information. 

I need to know how I can make a payment with my debit card to nelnet for {$250.00} per month. 

Thanks, XXXX XXXX XXXX
I asked to have my XXXX account closed back in XXXX. I then paid off the card. An automatic renewal of a Fotor service for XXXX was processed through my XXXX account on XX/XX/XXXX. I called XXXX and they deny the account was ever closed, however even though I allegedly have {$4400.00} credit ... the charge was not made to the XXXX account but to a bank account associated with the XXXX account. Obviously the XXXX account IS CLOSED because the charge went to a bank account instead. This was an unauthorized use my closed XXXX account to satisfy the XXXX charge. When I tried to dispute the charge, I was told ( by an online message ) that the dispute could not be filed and I was locked out of my account. I could not get back into my account nor could I reset my password. I want the XXXX refunded to the bank account ( ending in XXXX ) from which it was removed without permission and proof that this XXXX account IS closed.
First and foremost, this company never provided me the written notice I requested after initially being contacted around XXXX 2014. Their agent stated all calls are recorded and monitored and at that time assured me HE WAS LOOKING AT THE TRACKING NUMBER but never provided said number. I did not recieve the notice he states he sent out in order to respond in writing as the validity of the debt. I only paid it bc I was closing on my house and was assured it would be removed from my report. Not because I thought I legally owed the debt, but rather it seemed easier than losing my dream home. After the debt was paid, the company agreed to remove ( both original creditor comcast and stellar recovery ). However, they refuse to provide tapes on either occurance to verify and stated they would never do so even if I requested them in writing. All of these conversations have been taped according to them.
On XXXX XXXX 2017, I received a letter from Chase bank that my business checking account will be closed at the end of XXXX. No reason was given, and I called the number and they were unable to give me any information. They recommended I go into the branch where I opened it, which I also did, and still there was no information on the reason or any way to appeal this decision. I use the account for my XXXX XXXX, and I have never overdrafted the account in the 9 years I 've had the account.
Small town in XXXX. Rented a house for XXXX year. Water bills paid on time. Moved out due to retiring from XXXX XXXX XXXX. Disconnected water account prior to moving from XXXX to XXXX. New tennant moved in to XXXX house and apparantly garnered free water services ( still in my name ). Landlord and city were contacted about the new tennant needing to pay this debt. The account was eventually changed in to the new tennant 's neme but the amount pending remained in my name and the tennant never paid it or owned up to it. It is a small amount of money, easlily paid. My issue is based on principal.
My car was wrongful repossessed by Westlake financial in XX/XX/2017. I was under the impression that I had paid off all my principal debt for my car. I was told a specific amount to pay by their collection agent and I paid that amount using my debt card in XX/XX/2017. The agent told me that I would only have the late charges remaining but I could pay the late charges a little bit at a time, but my car would not be repossessed. 
The day my car was repossessed, Westlake didnt have the information right away. Once they confirmed the repossession, I asked them why and told them they didnt have a right to repossess my car. Thats when they told me I had XXXX left in principle and late charges. I asked them to review the call from the agent but they refused. 
I then reached out to their leadership but they were very little help ; the complaint mangers response time to my emails was horrible. It took the manager days to response and when she did, she offer very little information or assistance. 
After I realized Westlake was not going to give back my car, I asked for a settlement to help with the charges. Westlake agreed to accept less but said it had to be approved by a manager. I waited over 5 days for a decision only to be told, they could not accept because my car was worth more than the settlement and they could get the full balance if they sold my car at auction. I was shocked and disgusted that this rep was telling me this. I feel this is unfair treatment, had I not had equity in my car Westlake would have been more than happy to accept less. And again I mention Westlake offered me the settlement. 
Now I have repossession on my CBR and I feel it is wrongful reported. I did not receive a letter of default or stating my car was in jeopardy of being repossessed. I want the repossession removed and I still have not received my title for my unit.
Please see attached again. My funds have still not been applied correctly and I went thru the fees. Also as their attorney said BSI apologizes for claiming a request was a QWR when it was an appeal does not make it ok. I want my fees applied correctly as requested and the statement does not even show the extra XXXX claimed to not be applied. I would never know what was not applied without constantly having to question everything. It should have been XXXX not XXXX extra. I am so tired of this run around. I want my funds applied as directed plain and simple. If BSI bought this loan it is their responsibility not mine to prove fees. In regards to XXXX maybe they should realize XXXX never responded to any QWR I sent them. Never mailed me statements or anything. I found out they bought from XXXX months later and I contacted them asking for info. They never sent me a statement or fees or anything. The only thing they ever said is that they are working on XXXX modification that was sent. Never a fee, Never a response to QWR NOTHIONG!!
I check my balance today at Discover it it displyed the following ( information also in the from as an attachment from the website ). 

Last Statement Balance : {$310.00} Recent Transactions : {$850.00} Recent Payment and Credits : - {$0.00} Current Balance : {$1400.00} I am not sure how you do that math. How can you add XXXX to XXXX and arrive at XXXX? That is just incorrect and Discover is trying to deceive customers. How are they off by {$300.00}? 

Now Discover might state that it is because of Pending Transactions. However, that is not true. Also included in the transaction is all of the current Pending Transactions. You will notice that this total is {$59.00}. So I will give Discover the benefit that my current balance may include pending transactions but that still means there is a difference of {$240.00}. Additionally, Discover gives the definition of Current Balance to say " Your Current Balance is the total of all transactions posted to your account as of the previous business day. '' Please note the key words of POSTED and that there is no mention of PENDING in that statement. This information can be found at Discover.com. I understand that there are some merchants that can impact the Available Credit ( i.e. Hotels, car rentals, etc. ) But as stated on their site, this will affect the Available Credit and NOT the current balance. Current Balance seems like a pretty easy calculation and they even lay out that calculation on the website as seen in the attachment. 

This needs to be corrected.
I had a fraudulent account opened not by me and now there is a company attempting to collect a debt that was never mine from the start.
There is an unknown medical charge on my credit report. It does not state the original creditor only that it is medical. I am a veteran. I have always had medical insurance. I'm not sure why this is on my credit. It is affecting my credit negatively. I do not owe this. I'm not sure what it even is. It could be from improper billing. It is the only medical collection on my report. It is very odd. For it to be sold to a credit bureau is also confusing. The date stated on my credit report is XX/XX/2016. The amount is for {$200.00}. I've never received any notice of owing this debt or being able to dispute it in any way.
Equifax is showing an installment loan that is closed as open. The account # is XXXX with XXXX in the amount of {$15000.00}. This account shows duplicate as a collection as well with equifax , but that has been handled appropriately. XXXX no longer show this installment loan as open. I disputed this directly with equifax and the account shows as closed in there database. I simply need equifax to report it as closed.
In 2008 I lived in a shelter for XXXX and had my identity stolen and a fraudulent credit card was used by someone using my personal information. I reported identity fraud years ago but this credit card is still being reported to the credit reporting agencies and a third debt buy agency has purchased this debt and trying to collect it from me. In the amount of $ XXXX.In addition the statue of limitations has run out on this debt and when these debt buying agencies report it as if it were a new debt. It is a capitol one Bank card. I never received this credit card and would like to have this removed from my credit reports. I do have records of a previous debt buying agency sending me mail and trying to collect this debt. I also have a copy of a credit report from years ago with this credit card on it back in 2008.
After sending repeated correspondences to a creditor called Trident Assets Management to have my account removed from their database, which is being reported to all 3 credit bureaus as a collection, which is no avail. I have repeated sent letter after letter to have them address this matter only to have the say that I owe them. I have asked for valid proof that I owe them, which I also asked for a valid signature with validating this alleged debt. I have exhausted all my options other than go to small claims court.It is my hope that CFPB could assist me in resolving this matter in quick and decisive response.
I need all XXXX I was able to get XXXX. 
XXXX and Equifax will not provide they have erroneous inform in my DOB. 
You can not call XXXX no customer service. 
I am extremely low income and am in process of procuring ligale help to file bankruptcy I NEED HELP URGENTLY TO GET CREDIT REPORTS NOW BEFORE MY TIME RUNS OUT FOR LEGAL ASSISTANCE. PLEASE ADVISE.
I filed a previous complaint with CFPB and I have just received a credit report from Equifax showing the amount still owed, CFPB Complaint number XXXX. 

This account must be marked closed as I see it listed as late with a full balance showing. 

See attached report and original documents.
I obtained a loan from Springleaf who are now OneMain. I have had trouble paying the loan and the company offered no resolution. They have called and harassed me and to only solutions that they had included paying money that I do n't have or running my credit again. I spoke to XXXX at the XXXX location and was told that the late pays would be removed if I brought the account back current and he did not keep his end of the promise. This account is reporting a higher balance than what is owed on the account and OneMain is a loan shark. I can not believe that I am going through these kinds of changes with this company. I have tried to resolve the issue and have not been able to. I had my account switched to an office closer to me and the manager at the XXXX XXXX he talked to me like I was an animal. He said that he knows what " kind of person I am and his office is not going to tolerate that '' this company has made me feel less than human and are ruining my credit. I have not paid them because they have been deceptive and practices predatory loan antics.
I was lied to by quicken loans about a credit inquiry. I asked for information regarding loan rates and general information before even applying for a loan or having my credit pulled. I was told that a hard credit pull would not happen but they needed to collect some general information to run scenarios. I was just simply trying to explore possible solutions to my wants. This company explicitly lied to me and when i contacted them they said that i consented to a credit pull so they did nothing wrong. I spent an hour yesterday with them and another hour on the phone with XXXX and quicken loans and both companies tell me they ca n't remove it. I did n't even get a rate or discuss anything that i was looking into doing with my mortgage.
Unauthorized hard inquiry to my credit report by EQUIFAX MORTGAGE SERVICE on XXXX XXXX 2017. 
I did not apply for any mortgage loans and was out of the country at that time.
I cosigned a private student loan for my sister. She used it for lawyers as she was getting divorced. She never used the funds for college. I went into bankruptcy and they refused to discharge this loan even though it was n't federally guaranteed and the monies were not used for educational expenses. I 'm out of bankruptcy now and all of my student loans are suddenly under Navient along with my sister 's loan. I 'd like to discharge them all.
Ive had a car loan with XXXX XXXX XXXX XXXX XXXX for almost 3yrs. The amount of my loan was only a few thousand more than it is now this time 3years ago. Theyve over charged me and hardly any of my payments are being applied to my account. I should be almost paid instead it looks like Ive hardly paid. Its effecting my credit by the total amount of loan not hardly changing and my life by this vehicle not getting paid down. Ive not even been working and making sure this vehicle is being paid to not effect my credit and was shocked when I saw its not almost paid off. Talking to them about it has got me absolutely no where.
First, I financed through XXXX XXXX XXXX at a XXXX doctor and signed documents which stated the monthly payment of {$150.00} with 12 months of no interest financing. The statements say 6 months no interest financing and a payment of $ XXXX   monthly. I attempted to resolve this, I was told while it was being investigated they would not collect payment or charge late fees, but they have both. I even emailed the original paperwork with no results yet. 
Next, XXXX XXXX begins harassing me requesting the full amount of the card balance be paid and would not accept a monthly payment. 
XXXX XXXX continues to call and harass me, my wife and now my father, who they have also given specific information regarding the debt to. They told my father the amount of months past due, the total amount due and that the debt was for a XXXX   procedure. This is not only a violation of the FDCPA, but also a HIPPA violation.
Selene Finance was paid on XX/XX/17 and this payment as of today has still not been applied to my account. 
I have sent them 2 months worth of bank statement ( XXXX and XXXX ) and a letter from my bank and yet they still have taken no action. They claim they didnt see me logged in online or spoke with a rep that day. That continues to be there reason, ignoring the verification I have sent to them. 
I have been disputing this for over a year now and my mortgage continues to show 1 month behind. 
They are the worst company I have ever dealt with!
I sent 2 letters to XXXX XXXX which is a debt collector for XXXX XXXX XXXX XXXX. In the 2 letters, I asked for verification of debt they say I owe to them. Anything signed to prove I owe them what they say I do. Any document supporting their claim. I received 2 letters back with the words we have verified the debt with no supporting documents at all. I have the right to dispute their claim since they put it on my credit report and is effecting my credit. Nothing was sent to me. That is not a verification of debt.
My name is XXXX XXXX. 

There is a person I am not AWARE of on my account, XXXX XXXX.
The account below is not mines. I have attached complaint sent to company and attorney general of Florida. 


XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00} Needs Attention
I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXXXXXX  Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX  XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
Unable to get LEIN off an account with XXXX XXXX XXXX XXXX. I was informed that I was XXXX XXXX XXXX XXXX had merge with XXXX XXXX XXXX which was purchased by PNC Bank, I am trying to sell my XXXX XXXX Boat, VIN # XXXX however, I unable to do to the fact the neither XXXX   XXXX  XXXX, XXXX XXXX, or PNC Bank has sent me a cleared title. On XX/XX/XXXX, I went into the PNC Bank branch in XXXX, Michigan and was assisted by a customer representative XXXX who told me to go home type out a letter to the bank requesting the VEHICLE LEIN RELEASE LETTER in which I went home to type out the letter. Appearently no forms at the bank. On XX/XX/XXXX, I returned to the bank in XXXX and XXXX faxed the letter to an unknown unit or entity of PNC Bank. She would not give me a direct number to the unit but said I it might take 5 days and then it would be mailed out. She suggested that I request that the cleared title be both mailed and faxed to the bank in which I did. No tracking number or anything. Today I called XXXX who gave me the number XXXX which I called and was informed that they had nothing to do with PNC Bank. Allegedly, the letter was faxed to XXXX.
I was contacted by letter from Contract Callers, a debt collection agency, regarding a balance I owed to XXXX gas. The balance due was {$400.00} The letter was a settlement offer. They offered me to pay {$200.00} and my debt would be considered settled in full. I spoke to XXXX XXXX and was assured if I paid the {$200.00}, I would owe nothing else on this bill. A month after paying I received a collection letter from another agency for the remaining {$200.00}. XXXX XXXX told me my account was still open for the {$200.00} balance. I called Contract Callers and was told that my debt was only settled with them, not with XXXX XXXX - that all that happened by me paying the {$200.00} was that I was no longer in collection. My account had not been settled with XXXX XXXX and I still owed that money. They would not send me a copy of the letter I received stating that my account would be settled in full so I could have proof of the exact wording that was used. And I was told that it should have been explained better to me and that the woman I spoke to when I paid should not have told me my I would owe nothing else on this bill.
i closed my checking account # XXXX in person at the branch in XXXX, MA. 2 weeks later, the account was " reopened '' due to a payment being debited to a XXXX XXXX credit card that was attached to the account. There is absolutely no way that an account should have been " reopened '' because of this. If anything, I would owe a late payment to XXXX XXXX. Santander Bank has no right to be paying my bills from an account that I closed. This is fraud. 

The representative on the phone told me that even though an account is closed, Santander Bank has an obligation to pay any bills attached to it. It 's not Santander 's obligation to pay my bills. If anything, i would have to deal with the issue with the debiting bank. It should be noted that the representative specifically stated that the account was " reopened. '' With all of the sales practice concerns and inappropriate account openings occurring at large financial institutions, i know this is a buzzword for the industry.