WillisBack/dataset-financial-user-claim huggingface dataset:
I am a senior citizen and I was taken advantage of buying a vehicle at XXXX XXXX. I returned the car, because it was over priced and the XXXX told them to delete it, it was overpriced and I could not afford it. I have the case in the XXXX Court and the credit report under Chase says, " I made a payment and I never made a payment. '' They made it it a charge off. I 've been disputing with all the credit bureaus and they refused to take this car off my credit report. I deleted the car, cancelled the contracts and the loan I had my money on was XXXX. After XXXX seen the situation they deleted the loan and told me XXXX XXXX tried to get them to hono do the second loan. They told them no, because it was not legal. I received letters from the lawyer at XXXX XXXX threating me to do arbitration and said, " I would be the only XXXX receiving this court order. '' I cancelled the car at motor vehicle, cancelled the XXXX contracts and went the XXXX. 
They lied to the XXXX and said, " They knew the car was overpriced and they negotiated with me, which was a lie. This happened at XXXX XXXX at night and they rushed me to sign the contracts and told me they were going to make the the changes on Tuesday. This has been a nightmare how can you lie and say I put a payment on a car and turn it into a charge off. I took the situation to XXXX XXXX lawyers and they told me it was illegal. How can a past due XXXX be on my credit report if I do n't have the car and I never paid XXXX cent and I cancelled the contracts like the lawyers told me too. The credit bureau 's will not delete this car and I do not have it or want it. It is a 2015 for XXXX. I went to other XXXX dealers and I have proof the car is way over price even it writing. Chase Auto Finance # XXXX on my XXXX report and all other reports charge off is a lie. XXXX is where I had my initial loan which was XXXX percent and my money down. 
When they found out they took advantage of me and made the high price you can look at my credit report and see they deleted the loan. Chase wanted to be greedy and raised the interest rate and finance charge and took the chance to say " I I made a XXXX payment received which is a lie. I never gave Chase XXXX cent please help me it 's been a year and I feel like your my only help. XXXX you and me and I work for the government and this is on my credit report and I have a XXXX at work. Please help me I need your assistance. 
You can contact the XXXX if you do n't believe me. 
Ask Chase to give you proof of my payment, because its not true. I only had XXXX contract when I signed my house loan and XXXX offered to help me after this fraud is deleted. Please help XXXX XXXX XXXX XXXX or work at XXXX. I am only a XXXX and I can not afford the car the XXXX told Chase. XXXX XXXX. Senior citizen.
Following the closing of my new home with a Conventional Renovation Loan on XXXX, construction on the interior, in accordance with the work write up, began. Several line items have been complete and some are partially complete. When the appointed General Contractor contacted Loan Simple on XXXX in order to schedule the inspection in order for her to access her first draw, Loan Simple told my GC on XXXX she was unable to do so, as they had not yet completed the purchase of the loan from the originating lender ( see attachment 1 ). 

On XXXX, I was contacted by XXXX XXXX at Loan Simple and she explained to me that the loan amount I closed with was less that what I should have been approved for. I was told that as a result, I did not bring enough cash to the closing table ( see attachment 2 ). The difference I am being told I have to now still pay is {$1800.00}. I am also told that if I can provide evidence that I also paid for the Consultant Fee and the Appraisal Fee ( which I already paid ), they will be generous enough to not double charge me and demand only {$510.00} ( see attachment 3-4 ). 

Now that I am XXXX to the XXXX XXXX for the forseeable future, and demolition having already begun in my home back in the United States, this situation is that much more aggrevating. This situation is the result of gross negligence on the side of the lender, as any of these issues could have been addressed prior to coming to an agreement at the closing table for whats required as far as my minimum contribution, and prior to me deploying.
Wells Fargo & Company is violating the Federal Fair Debt Collection Practices Act by aggressively threatening to sue myself and my mother ( co-signer ) of a student loan when Wells Fargo & Company is well aware that I have served Wells Fargo & Company with a cease and desist letter AND according to the consumer contract ( which Wells Fargo & Company refused to provide to me ) the contract forbids court cases and requires all cases be brought via Arbitration. 

Wells Fargo & Company is violating the Fair Debt Collection Practices by making false threats that the allege debt will go to court even though Wells Fargo & Company is well aware that bypassing the Arbitration agreement would be illegal and unlawful.
In XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through century link I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to century link and was told to check my credit for other items. After viewing my credit in credit karma i have over XXXX credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XXXX XXXX at XXXX at the box and ship located in XXXX XXXX Kansas XXXX At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX and XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the XXXX bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.
I have a Credit card with Capital One CC. I charged something for some one else, and sent in his check to pay the bill. Capital One has now frozen my credit card, and kept over {$2200.00} in cash rewards. They called the issuer of the check, who confirmed that he gave me the check, but they still wont unfreeze my card or give me back my rewards cash
I do not believe this company has standing. I have sent the following request to them : XXXX XXXX. XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX " Qualified Written Request ''. No answer XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Request for original lender. Response received says who current lender is. Not what I asked. 

XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified # XXXX XXXX XXXX XXXX XXXX I called Selene and verbally asked the questions that are on the letter. I was told to fax my questions to them. I did. I followed up with certified mail to no avail.
XX/XX/XXXX i received an email stating that I was late on my payment. THe email stated " This reminder is to let you know your payment in the amount of {$330.00} was due on XX/XX/2018. '' So i called on XX/XX/XXXX to figure out why I was behind. I knew i made a payment on XX/XX/XXXX for {$160.00} and a 2nd payment on XX/XX/XXXX for {$160.00} to make my full payment by the due date. But when i checked online it said that i owed {$150.00} plus my XXXX payment of {$330.00}. I explained the above about how i paid and the rep said that because i alloted my second payment to certain loans that interest accrued and I owed it. I told him that i made the monthly payment amount though. He said he create a re-allocation request that would take 7 days. I then thinking about realized how could i owe {$150.00} extra when i made a payment to each loan and targeted {$150.00} to the loan with the highest interest rate. So I called back on XX/XX/XXXX and spoke with a different rep. She stated she didnt know why it showed I still owed money when i clearly made the full payemnt with my two payments and i allocated a dollar to each loan. She said that she would request that my account be adjusted as she sees the payment. she stated that would take 3 business days. So i waited until XX/XX/XXXX evening to check on the account. Neither of the requests occurred but I made my payment of {$160.00} again on XX/XX/XXXX. Yet on XX/XX/XXXX it showed i still owed {$320.00} rather than only owin {$160.00}. So i called again to follow up. The new rep stated that when i allocated i didnt satisfy what i owed for each loan. By alloting a {$1.00} on each loan except for 1 with {$150.00} that the others still had to be paid their stated payment amount for each one. I asked her then why is there an option to allocate funds to certain loans within my payment amount. she said that only if you paid more than you agreed payment amount could you allot more funds to go to a certain loan. This is a deceptive practice which essentially forces payers to not allot funds and payoff loans with higher interest rates without paying an amount much higher than their agreed payment. Essentially, I'm on an income based payment plan that they decide the payment but a student can't allocate funds even though on the payment screen has a section to do so. This gives student repayers no options except to pay more than they can afford and not target loans with high interest rates based upon the payment the income based rate or repaye rate assigns to them. XXXX tried to make me pay {$150.00} extra dollars than the agreed {$330.00} amount that they set as my affordability range for XXXX.
I do not know the source of information due to this but the contract for the collection that was place from NATIONAL CREDIT SYSTEMS, INC ( XXXX XXXX XXXX ) Acct # XXXX. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.
I submitted a complaint with CFPB on XXXX/XXXX/XXXX against Equifax the case number is XXXX. On XXXX/XXXX/XXXX the XXXX 's XXXX to the complaint via CFPB was the following : Equifax has reviewed your complaint and its records regarding your dispute. The disputed Bankruptcies case numbers XXXX, XXXX and XXXX are currently not reporting on the Equifax credit file. 

I called Equifax to get an updated report and the rep told me that all three bankruptcies are showing on my file. She also said that Equifax do not communicate with CFPB at all.
I am a victim of identity theft and noticed a collection from Credit Coll. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Collection in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
A tax lien was filed XXXX and released XXXX ( XXXX ). Equifax is still showing it and I have been denied loans twice this year because of it ( XXXX & XXXX/XXXX/XXXX ). On XXXX XXXX, XXXX I received a letter with the results of my dispute to them ( XXXX ) showing the release, but on XXXX XXXX I was denied because it was still showing on the credit report. They do not update information. I have also worked at another company since XXXX and the last work they show for me ended in XXXX.
I check my report often to make sure my information is reporting accurately. A few years ago, I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I received a notification from my credit monitoring service that an account has been listed on my credit reports. It is reporting under the company XXXX as a collection for {$270.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or dunning letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. This a violation of my rights and I want this account removed from my credit reports immediately!
I went to school back in XX/XX/2001, supposedly had taken out a loan for an amount that is unknown. Needless to say, now that loan amount is over {$150000.00}. I have tried since graduating to get setup on a feasible payment plan that I could afford and not once have been successful. I 've been summoned to court appearances on XXXX different occasions in regards to this obscene loan amount, which I had to hire a lawyer each time. The outcome all three occasions were in my favor, as to the judge not authorizing the " act of garnishment ''. I do n't remember all the technical terms but I know we were fighting for litigation laws, and the falsification of the loan amount and interest accrued. This has been haunting me for well over 15 years now, I never understood how/why they are still able to continuously report this on my credit and it 's been over-ruled by a judge. They constantly still harass me with phone calls and obscene requests of payment terms. Over the 15 years sometimes I 've been fortunate enough to catch a break from some nice employee that will place the loans in an outstanding forebearance term but once that 's over it goes right back to the ridiculous interest fees. I attended XXXX I used to ask them how much can I pay as far as payments and would also end up with this insane amount and then they would say, " that 's the lowest you can pay ''. So how am I supposed to live?! The amount they were asking for you 'd think I had a house note, car payment and my mothers monthly expenses all in XXXX. So basically unaffordable!! Please someone if you could take a look at my account and be a witness to this entirety that I 'm dealing with.
We have done exactly as our loan officer requested to ensure the loan on our first home purchase was processed as this was his area of expertise. From the begining there had been several inconsistencies- in the beginning he advised us to take out other lines of credit, thank goodness we followed our instincts and delayed this tasks because the next week we were being advised our debt income ratio is too high. Each time we completed XXXX task another issue arises. If we would have been advised each time that there was still other pending issues things such as getting married before our scheduled wedding date-adding extra expenses to our household we would have reconsidered utilizing their services. We later found out getting married was not mandatory just required less paperwork on his part. We have come to the point that his requests/bullying have costs people their jobs. He pushed that we produce a letter that explains my husbands employment during our transition. We both informed him he would continue to live in XXXX XXXX while I and our children relocated to our new home until a position with stable and suitable income was locked in. He advised us this would not be acceptable and for us to have 'someone ' in my husband 's HR department produce a letter that stated that he would continue to work at his current company remotely while he relocates to XXXX-knowing this was a not the case. He continually assured us it would not be confirmed or followed up on so we need n't worry and without this letter we would not get the loan approved so we begrudgingly did as he advised. Needless to say it was and now my husband and the HR rep were terminated. This type of behavior and advice to clients is unethical and will not be tolerated. He has single handedly put XXXX families in a situation where they have lost the means to support their family. We have lost our families income plus our savings we have used as the earnest deposit- which bieng a VA loan was to be returned to us after closing. Our family was placed in a dire situation.
I have been disputing accounts of my Trans Union credit file for over 6 months, and still get the same generic answer when the results are furnished. I want these accounts removed as they are not my accounts.
I traveled to XXXX, XXXX, XXXX, XXXX and XXXX in XXXX, XXXX, and XXXX and my XXXX Card, which advertises " no foreign transaction fees '' charged a few dollars higher for each transaction made during my travel. I called on XX/XX/XXXX and was told they charge a " interchange fee '' which is built into their exchange rate. They use an inflated currency exchange rate. The rates are found on this website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They don't use the real currency exchange rate, they use a higher one that will get more money for them on each transaction.
ATTN : XXXX Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ) XXXX ( XXXX ) ( XXXX ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database E-Oscar search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within XXXX business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$620.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
XXXX. ACCOUT NAME : FIRST PRMEMIER ( XXXX ) XXXX BAL : {$680.00} This account was charged off listed with wrong balance please delete error XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$460.00} no proof of contract collection trans error please delete. 
This account is duplicate listed multiple times.
XXXX XXXX XXXX XXXX misdiagnosed my condition, I was there on a Sunday afternoon about a XXXX, I was given an XXXX and sent home. Monday night I was admitted into XXXX Hospital and was operated on Wednesday morning. I almost lost XXXX because of them. Also I never received notice from Aargon Agency that they were collecting this debt. They have violated the FDCPA as well as the FCRA.
On XXXX XXXX, XXXX I pulled up a credit report to find that Wells Fargo had incorrectly reported a foreclosure to all the credit bureaus wreaking havoc on my credit which is still damaged due to this mistake made by Wells Fargo. I sent multiple letters and have received multiple notices from the company assuring me that it would be removed but to no avail. I sent and have copies of the mortgage paid in full and without a flaw on XXXX XXXX, XXXX. I wrote their CEO via email XXXX XXXX and have still not received a reply to permanently remove this mistake from my credit which has gone down since this simply unexplicable mistake was made by Wells Fargo. I 'm writing you so that we can begin the process of remedying this matter once and for all so I do n't have to hire an attorney to sue Wells Fargo. It is absolutely unacceptable that I have had to endure this lie all these months after multiple requests to remedy their mistake. My good name has been tarnished and I want to know how this can be resolved once and for all.
On XX/XX/XXXX I received a banking alert that my balance was XXXX cents. I found XXXX fraudulent transactions pending for {$410.00} and XXXX. I called the bank immediately since I had the card so it had been compromised. The bank told me that they could not do anything until the transactions posted, usually 24hrs. They told me they could see they were fraudulent. The transactions did not post on my account the next day as they said. I called again and told me they could not help me. I asked what was going to happen to the direct payments that were coming through and I was told to put money into the account but that I would not have a new ATM card for another 10days. The transactions posted on XX/XX/XXXX. When I called to have them investigate I was told TEN DAYS. I was told that until then I was not entitled to a refund or any other assistance. They would call me once the investigation was over IF they were able to determine the charges were fraudulent. I told them I was left with XXXX cents and I was told that they could see they were fraudulent and they said this is their process. This account is my main checking account where my pay goes every 2 weeks. They took ALL my money so the XXXX cents is all I have. The bank tells me to put money into the account as a solution to this problem. Where am I getting this money? Are n't banks insured for this kind of things?
The State of Alabama incorrectly filed a lien against me in 2013. They have since rescinded the lien back to its original date of XX/XX/2013. Transunion refuses to acknowledge the rescission and continues to erroneously report the lien as " Paid, Rescinded. '' It was never paid and they have no documentation to support their claim.
IN REGARDS TO : COMMON WEATLH FINANCIAL XXXX XXXX XXXX XXXX XXXX, PA XXXX. I HAVE NEVER RECEIVED A 30 DAY NOTICE VAILDATE OR VERIFY IF THE DEBT WAS MINES. I AM A VICTIM OF I IDENITITY THEFT AND THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND YOU ARE REPORTING IT TO ALL 3 CREDIT BUREAUS WHICH YOU MUST REMOVE IMMEDIATLEY. 
I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately.

Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB.

I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined?

ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE ON THE CFPB SO CAN BE SEEN THAT THIS IS FRAUD AND VERIFCATION CAN NOT BE PROVEN ON YOUR END.