WillisBack/dataset-financial-user-claim huggingface dataset:
everything I bought was credited to the account I also made a payment they charge me {$4.00} interests on the purchase that was returned {$27.00} late fee when I made my payment the phone Automative geve me the balance as {$46.00} us bank trying to make extra money by charging this fees I called on Monday XX/XX/2017 at XXXX the represenatinve was very rude and XXXX and when I told her I will file a complaint with CFPB she said go right head
I mailed a letter to Transunion explaining that upon reviewing my credit report, there was a bankruptcy reporting to my credit report. I had not filed bankruptcy and this was reporting negatively on my credit report and causing me to get turned down for a car loan. I received a response from TransUnion informing me that they verified this information when in fact they had not.
XX/XX/2018 received a letter from XXXX XXXX stating I had a debt. I spoke with a agency before saying i have no knowledge of this debt nor is this my legal name. 6 months or so I received another letter from Convergent.I then responded with an affidavit of denial stating this was not my debt nor have i ever had a contractual agreement with them nor XXXX XXXX. Amount XXXX
keeps reporting information on a account that has been paid in full. Account needs to be closed paid in full removed from all credit bureaus and should not be reporting information without permission.
In correspondence dated XXXX XXXX, XXXX, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
XXXX   XXXX    XXXX   claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
I never been wit this company XXXX on XX/XX/XXXX or never heard of this place before .. U got the wrong person please take off my credit .. Ive never had anything to do wit this ... Ur charging me for something i never aplied for or gave u no permission to charge me never heard of this company
I have made numerous complaints to Navient about how they handle my payments. I have overpaid every time that I make a payment and request that the remainder of my payment be applied to the principal, but a representative from Navient has told me that they would not do that, and it would instead be put toward my next payment. I want to pay my loan off early and not pay all of the interest that it seems the company is trying to force me to pay by not applying the remainder to my principal like I have requested. This is an extremely unethical practice, and I believe that if it is not illegal, it should be.
I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete XXXX FRCA and XXXX. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
My identify was stolen XXXX XXXX/XXXX/15 and a person emptied my bank account as well as opened a charge card backed by XXXX XXXX/XXXX XXXX XXXX. I would like the hard pull/credit inquiry removed please.
Daughter was placed as POA for my Father from XXXX. During this time, debt was accrued in my Father 's name by use of his SSN. He was hospitalized during times that funds were misappropriated. Father and I ( son, his current POA ) have already had to go to court with this law office over another debt committed by the Daughter in question. Collection law office employs attorneys who have been disbarred multiple times as well as those who send letters claiming that my father has made requests to obtain balance. All false, concerned, I called in to verify that this was fraud similar to what took place last year. Debt collector was rude, misinformed and disclosed vital information about my father without my or his permission only to let me know we are not being sued. When told we were not being sued, then 'why the harassment ', I asked. To which they responded, unless i have an attorney they recommend we end the call as we have reached an endpass.
I am a XXXX and will be XXXX years old this year. I borrowed {$42000.00} for combined XXXX and XXXX school. I have been repaying my loans on time since XXXX. I have never been charged a late fee and purchased my house in Connecticut in XXXX with a 2.7 % interest rate because of my good credit rating. I contacted Navient to ask why I still owe {$41000.00} after paying {$340.00} a month for 16 years. I was informed that there were fees such as " administrative forbearance '' that accounted for my present principle balance. I requested my payment records and each month that I make a payment, the fees cancel out that payment. I have done everything possible to pay this debt. I consolidated my loans and applied for loan forgiveness while I was working as a XXXX at XXXX XXXX XXXX and was then informed that I was not qualified because XXXX XXXX XXXX was not a participating facility in the loan forgiveness program despite the fact that we XXXX. XXXX XXXX XXXX outsourced our jobs in XXXX, four months before I would have been able to retire with health benefits. I am now working at XXXX, who just laid off XXXX of my co-workers. I have repaid Navient and XXXX XXXX {$65000.00} to date and still owe {$41000.00}. I can not pay this off. I contacted the Ombudsman at the Department of Education who said that it was normal for Navient to charge administrative forebearance fees. I later learned that the Ombudsman works for Navient. My Social Security wages will be garnished. I understand that the people who invest in the XXXX XXXX XXXX are guaranteed income and that the Student Loan Servicers, XXXX XXXX in particular, have had their stocks increase by 65 % since XXXX was elected. But I am not going to survive.
7 years ago, someone hacked my credit and stole my identity posing as me but without my full legal name..I have written to Experian credit union and repeatedly they have shown negligence in removing fraudulent items from my report. I have spoken with supervisors for hours on end and gotten no assistance. My initial letters, police report listing fraudulent items and FTC affidavit were mailed to them XX/XX/XXXX. It has been over 45 days, the legal amount of time they have to investigate the items. The following items are still fraudulent being listed on my credit report under Experian. No legally required notorized verification was provided to me showing that these items are mine nor proof from the lenders, which is required by law.I have spoken with numerous supervisors at Experian and XXXX and they have not done thier job to investigate. When I have provided the uploaded prove these were not mine, they still did not remove. This has NOT been done so therefore these items must be removed. XXXX XXXX XXXX # XXXX XX/XX/XXXX, {$380.00} ALSO INQUIRIES NOT MINE : XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Card, XXXX, XXXX, XXXX, XXXX XXXX XXXX
I have called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via XXXX XXXX
The vehicle that was purchased has an extended warranty with XXXX XXXX as well as a factory warranty with XXXX dealership. There has been problems since my purchase of the vehicle. The transmission has problems along with the engine. The vehicle slips into neutral often. Ive gone to multiple mechanics to get the problems fixed. The codes that were found from the diagnostic with XXXX XXXX says there is a electrical wiring problem along with a transmission problem. As well as the same model, make, and year there was a re call for the same exact problems. The extended warranty company ( XXXX ) along with drive time and XXXX are all pointing fingers at each other. Ive lost lots of money from missing work as well as out the pocket fees for this vehicle. Something has to happen.
Person calls repeatedly from a restricted nbr claims to call from a government office threatened to send a summons to my job and contacting family saying they are going to get me fired
in XX/XX/XXXX I attempted to purchase a car from XXXX Ford In XXXX Colorado. I had a Hyundai that I had paid off and owned entirely. 

The dealer then set up the paperwork for a ford van, trading my car in as collateral. 

After driving the van we discovered that it was previously damaged from an accident. 

This is where things get weird. 

Before we returned the van [ about 3 days ] they sold my car. I was then forced to buy a more expensive car, a Ford Taurus. 

Shortly after taking possession of the vehicle, Ford Motor Credit began not posting our payments, then became threatening. 

As I am a XXXX veteran and a negotiable person, I agreed to return the car back to the dealership completely undamaged [ which we did ] and left the keys inside the dealership. 

XX/XX/XXXX we left XXXX for 24 months. 

Ford Motor Credit wrote off the contract as I returned the vehicle undamaged. 

Then- out of nowhere comes a case filed in court against us for the entire cost of the vehicle by some party not affiliated with XXXX Ford . 
We responded to the subpoena in writing mailed certified return receipt to the XXXX County District Court. 

The certified mailed return receipt response was properly addressed and mailed within the required time to respond. 

Several weeks later, we received the same mailed certified returned receipt response [ unopened ] and refused by the judge- A judge XXXX . 

That same judge then issued a summary judgement that did n't exist against me for some XXXX k. 

The total price of the car, a car we did not have as we returned it to the dealership as agreed with Ford Motor Credit. 

In other words, a debt not real, or valid. 

The debt was sold to a collections firm in XXXX Colorado XXXX XXXX XXXX XXXX XXXX that is not affiliated with BBB, and suspect for illegal collection practices. 

They have upped the amount to nearly XXXX for debt I simply do not owe due to the judge refusing to open my mailed certified return receipt response and to review the fact that I had returned the car to the dealership undamaged as agreed with XXXX XXXX XXXX 

Someone has repeatedly vandalized our only vehicle-a XXXX XXXX XXXX XXXX, rendering it inoperable. We believe that this XXXX be the work of the collection firm. So I am out of any vehicle now. Its XXXX. 

That XXXX collection firm that bought the debt is still trying to collect on a debt that never existed. 

I am tired of this constant illegality which began with a bait and switch by the XXXX dealer by the sale of the only car we owned [ the XXXX XXXX, forcing me to purchase a much more expensive vehicle than I had intended-along with the harassment by Ford motor Credit which resulted I our returning the vehicle to the dealer undamaged- then the selling of the debt to a collection firm that is questionable in its business practices, Recently, I have noticed that a XXXX XXXX XXXX out of Ohio has been querying my credit record. 

It seems no one has done anything to look into these illegal business practices
I was traveling overseas in XXXX at the beginning of XXXX. I went to purchase a table at a nightclub called XXXX and was shown and agreed on a table for XXXX . I provided my credit card. When my time of the reservation came ( XXXX ) I went to the front desk to meet the host and was told that because I was only 1 person they did not want to give me the space that was originally agreed because they had other larger groups that needed the space. They told me I would be sitting in the bank corner of the club. I told them the new location was not acceptable to me, and if they didn't want to sit me where we agreed, to give me my card back and I would go buy a table at a different club. They said that they already had my card and I did not have a choice, that I was going to pay them either way. When I said I did not want that table and would not sign the receipt, I was surrounded by at least 5 bouncers, and was told that it would not end well for me if I did not sign the receipt. Since I was forced to sign, I signed the receipt as " FRAUD '' as I knew I would be calling the credit card company right after. I NEVER drank one sip of the alcohol, or sat at the table for 1 second. I called Chase right as I left the club to let them know what happened, and was told I had to wait 3 business days to file the dispute, which I did on XX/XX/XXXX. This was a classic bait and switch by the merchant, was 100 % fraud, and people need to be warned that Chase does not honor their fraud protection promise and everyone should look to get a card from a different issuer, like XXXX XXXX XXXX. Especially if you spend a lot of money. Other Banks will stand behind their guarantees for good customers.
Equifax is reporting a medical debt on my name under collection account in the name of " XXXX '' in the amount of {$440.00}. It was deleted off my credit file in XX/XX/XXXX because the collection agency failed verify the debt in 30 days. But Equifax reinserted the file in XX/XX/XXXX and since then refusing to investigate the account even though this account is closed and ca n't be verified.
About 2-3 years ago I attempted to trade in my car at a dealer. The financial manager told me my social security number was invalid. He entered it multiple times. I have since tried applying for other credit related loans and they all result in an invalid entry. When contacting Equifax , they send a report using my SSN, but my name was not even associated with my number. It also said invalid. I have contacted an attorney, who is clueless. I have contacted the social security administration which have checked all of my paperwork since birth that is normal. So, I 'm needing to know why this has happened. I need to be able to build and use my credit.
On XXXX XXXX 2015, I mailed Transunion and the XXXX other bureaus my request for an investigation into several erroneous accounts being reported by creditors and collection companies alike ( see attached dispute letter sent to Transunion ). The majority of these accounts were called upon by me and the creditors were not able to verify the ssn and my date of birth. Almost all accounts were subsequently removed by XXXX and XXXX. However, I received a bewildering response from Transunion dated XXXX that all accounts had been verified ( see attached dispute results ). When I called Transunion, I was told that all items were legitimately verified, however when I asked for the contact information of the individuals they contacted, Transunion was unable to give me any such information. Transunion it seems has not conducted any comprehensive information.
XXXX XXXX has called my phone with an Unkown caller-id mask dozens of times in the past 5 days. Their " Unkown '' number status is ranked with the likes of IRS scams, retail scams, and worse in apps such as XXXX and XXXX XXXX and they have absolutely no ground to hold any client responsible for missing or outright ignoring them. 

In order to determine who was calling me dozens of times, I had to purchase a subscription to XXXX ( a mobile app that allows unmasking of Unkown caller ids ). 

They called about a bounced payment which did not reflect on my consumer web app, nor my bank account, which lead even more into the belief that this series of unrelenting calls was a scam.
This company allows loans to be modified without all borrowers knowledge. The deed was swindled out of one owner and the company changed the terms per the deed but wont release the other party who had no knowledge of changes from financial responsibility.
On XXXX XXXX, I contacted Check-N-Go ; to inform them that I could n't pay the remaining of my Loan ( {$400.00} ) that is scheduled for TODAY ( XXXX XXXX ) ; due to the fact my Checking Account that is linked to my Debit Account was hacked. I was told by XXXX ( Customer Service Representative ) to contact on Monday, XXXX XXXX to speak with a representative to schedule the payment for a different Date. When I spoke to a Representative Today ( XXXX ), I was told the funds were already taken out ; after I had stated that when I was to schedule the payment, I was to contact Check-N-Go on Monday, XXXX XXXX personally to schedule the final payment. I did NOT authorize Check-N-Go to automatically take the funds out of my Debit Card. Therefore, I am filing this complaint as Check-N-Go showed complete disregard for my request.
I have tried to contact you and this merchant to remove this account from my report which they could not verify that it belongs to me. I sent this request for verification via certified mail without a response. Please remove this account immediately from my report. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$720.00} XXXX/XXXX/XXXX {$720.00} COLLECTION ACCOUNT attached is a copy of the attorney general complaint I have submitted. Remove the account immediately.
I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Experian is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents
Every time I make payments I can afford, the debt collector agency is changed. The current owner has made no attempts in contacting via mail in attempts to make a payment plan but continues to report unpaid interest to the credit bureaus at a rate that im not aware of. Company make objective is to get the balance high enough via unfair interest charges to make a profit. The original balance continues to show up as charge off and now the reporting balance is thousands of dollars above that.
I am making a complaint about this medical bill that should have been satisfied back XX/XX/XXXX,  I have reach out to the hospital to discuss this matter a number times over the pass couple years and most recently in XX/XX/XXXX and they are no longer able to provide me with any information.    I was informed that I will need to contact  Receivable Solutions Inc,  I have reach out this Receivable Solutions with no resolution due to they are not he original creditor for this account.
My husband bought XXXX XXXX from XXXX XXXX and he applied to pay in 12 with no interest with XXXX thru XXXX XXXX. We have made 3 payments and have been charged 2 late fees. I pay my bills thru my bill pay system thru my bank. I put the date that the payment is due and it tells me when I need to send in order to get to the place by due date. On the first payment I made they said they received one day past due date, then on this last statement I sent the bill on the XX/XX/XXXX and the due date is the XX/XX/XXXX which was on a Sunday, so I put date in the system so they would receive by the XX/XX/XXXX. Well they said they did not get until the XX/XX/XXXX because the XX/XX/XXXX was a holiday. I think this is just a way for them to charge extra fees to your account and then at the end of 12 months they can charge the interest. This is ridiculous and I called XXXX XXXX and they said they have had this complaint many times on this company. I feel that ya 'll need to investigate this company for these extra charges they are charging people.
False Advertising complaint against XXXX XXXX. They consistently advertise VA Mortgage Loans as {$0.00} Downpayment without providing details of who actually pays the lender closing costs and prepaid items ( insurance, tax escrows ). You must submit all of your information and then have the explanation provided by a Realtor that they refer the lead, who pays a portion of their commission to XXXX XXXX, which may be a separate issue regarding Lender Rebate programs. 
The VA Mortgage product is at best a 100 % financing option ( based on the Veterans Entitlement and loan amount chosen ) with Closing Costs typically paid by the Seller in negotiated concessions in the sales contract. Lenders may also build these costs into their rate but based on XXXX XXXX published terms that does not appear to be the case.
XXXX I have had the same account and card from XXXX for the passed 19 months I have not gotton a bill or and email bill from them in the mail. I report it to then 19 months ago my home was robbed and id stolen but they still have me with my name using this card the only way I know is the bill is getting paid through my checking account which I told my bank and had a police man came to the home to report it then! they have sent me pre approved increase amount and they have said no because my balance is to high they sent me filyers in the mail saying I have discounts and rewards to use. how can I when the amount on the card is maxed out and someone still using my old card and got adublicate card. an XXXX refused to listen or do anything about it. I paying someone to use my card and they stole it and my bank number. people should not have to pay a bill if they never get a bill on paper or a bill from email. the card says vaild through XXXX XXXX needs to repay me all the money back that I have paid and have a XXXX  balance on my account. then they have the gull to send pre approved letters every six months with a date to take it. like I said above. then when I do they say the limit is to much or I have not called
I have FTC Report # XXXX for identity theft for fraud. XXXX XXXX  account # XXXX has been compromised. Please review report and attached documentation. Block information immediately from my credit profile. FCRA guidelines states all fraudulent and identity theft activity must be blocked immediately.
I never resided at the address on on XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The address on XXXX XXXX is the address used by someone who stole my identity and the address on XXXX XXXX is a typo.
In XX/XX/2015 when contacted the first time by this company I did not know what they were trying to collect and to make all future contact in writing. Today they acknowledge the phone call taking place, claim the note is not on the account. Since that time in XX/XX/2015 they've made over 100 phone calls after being told to add me to their internal DNC list, sometimes 2 to 3 per day over the period of 3 years but have never sent information showing what the debt was they were trying to collect or proof of the debt at all. 

Most of these I simply hung up when I heard the automated dialer click on the phone numbers they were spoofing. 

Today they acknowledged the records of the prior phone calls but claim they never made note that I ever requested to be added to their DNC list even though I've never had a different conversation with their company ever and they are willfully violating the law.
Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect.