WillisBack/dataset-financial-user-claim huggingface dataset:
miss lead by sells rep during time of purchased vehicle in which ; car was never inspected/ warranty as stated claim by sell rep ; car will not past state inspection for past XXXX, inoperable/ unsafe to drive, excessive cost of repairs $ XXXX, predatory lending with excessive interest rate XXXX
I am about to pay off a loan with Wells Fargo Dealer Services. I am down to the final payment. Wells Fargo has twice increased the amount of the monthly payments for insurance that I not only did not need but did not ask for. They repossessed the car three times and every time I was able to find the towing company that took the car and pay the fines to get the car back. I have also not missed a payment in over 2 years, even while paying additional insurance. They double dipped on the insurance and I am not sure it was even legal to begin with. I just want this company to remove the late payments from my credit history. This never would have happened if they just left payment amount alone.
Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX/ XXXX XXXX/XXXX XXXX XXXX XXXX Virtuoso Sourcing Group Tribute Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX , XXXX  MN XXXX XXXX XXXX , XXXX  MN XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX , XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX , GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( maiden ) 2011 So would like to file a Dispute Please!!!
I have sent several letters to the credit bureau about the bankruptcy information reporting on my credit report file. I have been sending letters since XX/XX/2017 in regards to this matter. The credit bureau still is reporting the information as verified when I have asked them several times to provide me documation on how the information has been verified and they have yet to obliged. 

The United States Bankruptcy Court stated to me in a letter from the clerk of court that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm any public records. The reason why they do NOT validate public records information is because it goes against the privacy laws.

I have sent several copies to the credit bureau from the United States bankruptcy court, the XXXX XXXX, and XXXX XXXX to show proof this item does not belong on my credit file.
XXXX sent me a letter dated XX/XX/2018 Citi/XXXX stated that about how the 3 Credit Bureaus that Citi/XXXX noted on my credit file disputed by the consumer. That's not my complaint is that Citi/XXXX is to show on notes on the credit file that Citi/XXXX requested that the account be closed show it's suppose to state closed by the ( CREDITOR ) My next issue I have had the account over 9 years and that it was not clear when I called in I was told by there rep it did not matter and then Citi/XXXX had a nasty attitude when calling about the account. It's all about Fee 's and how to charge the consumer more money. Citi/XXXX as if the account/form they mailed out cant be retracted by error.
Caliber Mortgage took over  my mortgage from  XXXX  in  XX/XX/XXXX . In  XX/XX/XXXX , I received a   XXXX   XXXX   form for {$5000.00}. Note : from  XXXX . I had no association with  Caliber in   XXXX , nor did I ever work for them. Coincidentally, their form  XXXX  misrepresented my real estate taxes by {$5400.00} short. I am not worried about that as I have receipts from  my county tax co llector.  <P/> However, the  XXXX . I have had to pay a penalty and income tax on it ... ..for income I never received.  <P/> I have called them numerous times, and faxed over the form  three times ( as they " do not see it in their system '' ). I have received numerous responses when I call  ... .from ( I see it now ; someone will call you within a week ... .... someone will respond back in 30 days ... ..I do n't see it all ). Help.
I am a Victim of Identity Theft and on XX/XX/XXXX, I mailed out the first dispute letter via certified mail to Equifax with documents showing proof of Identity Theft. I attached a letter with the details of all the accounts that does not belong to me, that I did not authorized to be opened. I also attached my driver 's license, SSN, proof of address, Identity Theft Report, and the Fair Credit Reporting Act Section 605B letter. I have sent them all the required documents 3 times, and none of the Fraud Accounts has been removed! Now it is way over about 4 months they haven't resolved this matter, they clearly are not complying with the Fair Credit Reporting Act 605B. I need your help in contacting Equifax to respond to this matter immediately, as I have provided all required documents of proof to pursue this matter, or I will take action with the lawyer for monetary damages!
When I started school, all me and my cosignor knew was XXXX cumulative max could be borrowed. To us that meant that once that amount had been borrowed, approval would not occur anymore. That credit was checked by lenders and the website that monitors student financial aid would be checked by lenders and when shown that amount had been reached, that was it. However, between XXXX and Navient/XXXX XXXX, they never capped that max and now I am in debt over XXXX dollars. XXXX loan alone went from XXXX original to now XXXX owed. These are just private loans- not including my federal. I am paying OVER XXXX a month in student loans! My entire income is going to this debt. It is not affordble to me nor to my cosignor. They took advantage of nieve borrowers. It wasnt until grad school did I learn of my total amount owed and how these XXXX lenders XXXX us by not stopping the approval process at XXXX max. I have XXXX children and a husband in the military. We are rapidly going in debt and losing things because this is consuming us. They harrass us and our family daily. Sometimes calling 30 times a day, they hound my co signor at work to where he has been threatened to be fired. They refuse any payment options, they have talked to me in the most disrespectful of manners, They threaten us, and not only that its impacting my husband military career and the life we can provide for our children. Something needs to be done about this,, I can not afford this for the rest of my life, it is physically making me ill, mentally wearing on me, I work 5-7 days a week, XXXX jobs ata time, my husband works XXXX jobs and we are not making it.
I 've written to the Hawaii Federal Bankruptcy Court - XXXX. This is their reply : The United States Bankruptcy Court XXXX does not provide any information to any credit bureaus, all information they obtain is via third party. You are correct that pursuant both to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last XXXX digits of a Debtor 's social security number along with their full name and address can be released. In order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. I hope this letter is helpful in your matter. 
Sincerely, Clerk of Court. 
I have brought this up to Transunion 's attention along with a document that was filed in court that does not contain my name. The name that is on that document is different than my name. I have been complaining to them since XX/XX/2015 and they still have not remove it.
On XX/XX/XXXX I notified XXXX with XXXX XXXX XXXX over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from Jefferson Capital Systems , LLC who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.
XX/XX/XXXX I purchased my current home from the HOA for XXXX. I moved into the home XX/XX/XXXX. There were code violation that we manually fixed. In XX/XX/XXXX I attempted to put my home on the market and when doing the title search and trying to find what the payoff truly was it lead us to XXXX XXXX that has stated they do not have any info on this house. There were no letters being sent showing the current mortgage company attempting to collect. No foreclosure or default notices from XX/XX/XXXX all the way to XX/XX/XXXX and before I bought the house it was sitting vacant for a year. Somehow the realtor I was working with found that Nationstar Mortgage was servicing the loan since the original company XXXX XXXX  had shut down in XX/XX/XXXX. The last assignment shown was XXXX XXXX. After talking to Nationstar we found out there were not any payments made since the origination of the loan in XX/XX/XXXX. I decided not to sale seeing the profit was not gon na be what I had planned. After this nationstar tried to collect from the previous owner since the loan was still in his name though I had deed on the house. the bottom line is they trying to foreclose on my home without proper proof of validation of a real instrument of Debt. They are acting on behalf of XXXX XXXX that has nothing to do with my home. I sent a letter for proof of a real debt. They responded to me saying they received my correspondence and will respond by XX/XX/XXXX. The sale date for auction on my home is XX/XX/XXXX. This matter is not cleared up and still being investigated. I am confused how they can sale my home without proper proof and while it is still being investigated.
This is a problem with XXXX XXXX XXXX and Capital One. I have a XXXX XXXX with XXXX XXXX XXXX which is managed by Capital One. 

I believe Capital One had a system upgrade during the spring time, and there could have been some problem, because I have not received any statement from XXXX XXXX XXXX   from XX/XX/XXXX to XX/XX/XXXX, so automatically my balance became " unpaid '' without noticing at all. 

I have not received any statement or any notice from XXXX XXXX XXXX credit card in XXXX, XX/XX/XXXX, and XX/XX/XXXX until I received an email from XXXX XXXX XXXX on XX/XX/XXXX " We see you missed a payment on XX/XX/XXXX '', which was a big surprise to me, since I have not received any statement/bill from XXXX XXXX XXXX for a few months. I looked back my email account and really there was no statement emailed to be in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXXuntil I received such alert email. In a shock I immediately went to my account and I saw late fees and interest. XX/XX/XXXX was Saturday and the coming Monday was a holiday so I waited until Tuesday XX/XX/XXXX,  and contacted customer service of XXXX XXXX XXXX. I told the situation that I had never received any statement email or any alert email when I missed my payment due dates in XX/XX/XXXX or XX/XX/XXXX until I received one in a few days before. They waived the late fees but did not waive the interest, which was over {$80.00}. To manage, I immediately paid the balance. I can not understand why I have to be responsible and have to pay the interest, particularly with my 100 % on time payment history with full balance until then. 

Please investigate the issue with Capital One and XXXX XXXX XXXX. Not only the unfair interest was charged to me, but also this incident damaged my credit score. You can see my past very high credit score and payment history if you investigate. 

Thank you.
I had a Cash Rewards credit card from Bank of America since XX/XX/XXXX. They closed it without any reason in XX/XX/XXXX. I contacted them several time by phone and even went to their branch to know why they did that. 
They just sent me a letter stated that we are n't able to reopen your account. 
This credit card is my major and XXXX credit card. So, while they closed my account, the " age of credit history '' is very poor now. 
This will make problem for me in future to apply for any kind of loan. 
Please help me to reopen my credit account. 
Thanks,
I went to a car dealer to get a car and they got the financing through a bank. I made over 20+ payments on the car and the finance company said I still owe more than what the car cost, its as if no money was made towards the cost of the car. I ask for a copy of my contract and full a full disclosure and they did not respond to my request. They claim that I was late on my payments. About two weeks later my car was towed or should I say stolen by a debt collector and no one ask me or said anything to me. I went to the parking lot to use my car to pick up my son from school and it was not there. When I called Santander Consumer USA they told me a debt collector came and took my car. That 's how I found out what had happen to my car. I have a list of questions to be answered and documents to be sent to me. ( 1 ) Credit Application ( 2 ) All accounting for the transaction ( 3 ) Full Consummation ( 4 ) Was there a Credit Sale? ( 5 ) Was all disclosure given based on Truth in Lending? ( 6 ) Was there an advance given to the dealership? ( 7 ) What was it/how much was it? ( 8 ) Who is the Creditor? ( 9 ) Who is the Seller? ( 10 ) Who is the Purchaser? ( 11 ) Who extended credit for the transaction. Any document sent to me must be Loan Level documentation.
Credit card showed unauthorized charges as I RARELY use the card in the amount of {$14000.00}. Advise them I did not authorize. Agent confirmed I would not be responsible for transactions, but I am still receiving statements.
CAPITAL ONE  IS ALLOWING  XXXX  TO BLOCK OUR ACCOUNTS FROM REPORTING.      CAPITAL ONE  REPORTS TO ALL  XXXX  BUREAUS DICOUNT 25 % BALANCE OR BE SUED IN CLASS ACTION
During all of 2018, Ive happily used my PayPal account to purchase my important things through merchants. In early and mid months of 2018, the PayPal website would request from me my mobile to number to verify identity again, and it was always successful. On XX/XX/XXXX, I received my third incoming seller payment that I accomplished via XXXX. The amount on XX/XX/XXXX was {$150.00}. My funds were placed on hold until XX/XX/XXXX. The funds were released to me on my PayPal account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to purchase socks from XXXX for {$8.00}. My purchase could not be processed by PayPal because I was running into an error message. PayPal once again requested from me my mobile number to verify identity again, of which it was not successful, and is still not successful. PayPal has told me that their security flagging system is automatic, that nothing can be reconfigured, although I hardly believe they tell me the truth. There was not a problem with my identy verification before I processed a seller payment from XXXX into my PayPal account. All of a sudden I ran into error measures that they could not explain to me in any specific way. They clearly have a system larger in scope that simply identify checks. It is based on what theyve made the system which is a system that is built to do whatever it wants whenever it wants to peoples money and personal accounts. I hereby chose to end my relationship with PayPal and close my account. And once again, they have made up their own reality and took illegitimate control over my account. PayPal will not close my account because : A ) Their faulty security system continues to request my mobile identity verification ever after I removed my mobile number from their site, B ) On the telephone PayPal told me I could not close my account until I have withdrawn the funds even though they know I can not withdraw or debit due to their error message, and C ) in a new e-mail dated yesterday, they slammed me with more demands that I must have my withdrawal cheque processed and cleared by my bank before PayPal will choose to close my account. They know for a fact that they can submit unclaimed funds to any U.S. State. They are not legally bound to force me to take funds in order for me to close my account. Theyre creating their own deceptive abusive policy because they have chosen this. I will not do business with PayPal. I do not consent to any business with PayPal. They are not pals in any shape or form. They are XXXX. Greedy XXXX XXXXXXXX with a T.O.S. thats hundreds of pages long, and of how thousands of consumers have hatred for them all over the Internet. My PayPal balance as of this letter date is {$0.00}. PayPal will close my account NOW.
I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XX/XX/XXXX reported this to XXXX. I have XXXX XXXX, which totaled the car on XX/XX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XX/XX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the insurance department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XX/XX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.
I have attached a complete description of my problem with BB & T. Although this issue has finally been resolved ( after 3 months ), I am sending this to point out that we should not have been put through this strictly because of incompetence and lack of interest on the part of BB & T personnel. Why did I have to deal with the XXXX department and XXXX separate bank branches in order to finally find XXXX person who cared and was willing to help? It was a very poor customer experience. I wonder how many other fraud victims at BB & T go through similar experiences? Was our experience the norm, where the bank is trying to avoid fraud costs or was this situation an anomaly? I doubt that.
I have a had a negative posting on my credit report by a collection company named XXXX. I never received any letters from this company or other form of communication about having an unpaid debt.On XXXX XXXX XXXX I have disputed the information with all XXXX Credit Bureaus and all XXXX deleted this account from my credit file including Equifax. A few days ago I 've got a credit alert that I have a negative account on my XXXX credit file.I looked at my credit report and it was showing that I 'm 90 days late on a collection account with XXXX but I never had any letter from XXXX and I had no arrangement to pay an account I did n't know about.XXXX deleted the account promptly form my credit file, 2 days later I 've got an alert again that a negative posting was on my Equifax credit file.I looked on my credit report and the same collection agency using the name XXXX XXXX that does n't even exist has posted the same negative account this time without saying that I 'm late they just used a different name to have the same account placed on Equifax credit XXXX have disputed that account with Equifax and after 2 weeks they said the account previously deleted by Equifax was OK to be posted on my account.The original dispute case was XXXX and it is is where Equifax removed this account form my credit file, the new case XXXX is the dispute where they posted again in XXXX XXXX the account previously deleted and now being " accurate '' .I am trying to get a mortgage and worked hard to have my credit score up and I can not afford for a Credit Reporting Agency to play with my credit. Equifax did not verify this account correctly and had it posted under a name of a company that does not exist just to have a negative mark on my credit.I can not access the case # XXXX dispute file because it is visible for only 30 days but I will attach the recent case # XXXX dispute file that is recent. 
Sincerely XXXX XXXX
I settled this credit card for less than the full amount due 12 months before my bankruptcy. The card was through XXXX. I have only ever had XXXX card through XXXX. EquiFax reports it as included in bankruptcy, other agencies do not. I created a dispute and their response was that the creditor verified the information was correct. I then called EquiFax , created a phone dispute and faxed them the letter from the law firm stating the account was settled for less than the balance owed. That was XXXX XXXX. On XXXX XXXX, I got back the exact same response, that the creditor had verified that the information on file with EquiFax is correct. The last XXXX of the account on record with EquiFax and the last XXXX of the account settled do not match. I believe this is because at some point XXXX canceled the program my card was attached to ( XXXX XXXX card ) and reissued it under program. However, I have only ever had the XXXX account with XXXX. Attached is the latest ruling from EquiFax and the letter from the lawyer after I made the settlement payment.
Unable to obtain a copy of my free annual credit report from Equifax. Have requested two times in XX/XX/2018 ( XX/XX/XXXX and XXXX XXXX ) and still have not received a copy
I 'm a cosigner on a Wells Fargo Student Loan, paying {$500.00} every two weeks against a $ XXXX/mo payment since XXXX 2012. All was well until XX/XX/XXXX when - for no obvious reason - the payments have started to fall behind the date due. All communications with Wells Fargo directly through their preferred Message Center point of contact has been unsatisfactory ( to say the least ) and there is zero information available on the web page that tells me what loan is being paid on when. All I have from Wells Fargo ( aside from the obvious definitions of loan terms ) is " If you have more than one loan combined into a single account, payments will be distributed among the loans as described above whether there is a separate billing statement for each loan or if multiple loans appear on one billing statement. Unless you request otherwise, Wells Fargo will distribute your payment in a manner that seeks to reduce the amount paid over the life of the loan and help protect your credit history. '' I have no billing statement, and I 'm being stalked by WF daily - help?
Claims is for a total of {$420.00} from two different merchants. 

I stated to bank that I had people confirming the package was not received and they did not care and stated that it could not be used.