WillisBack/dataset-financial-user-claim huggingface dataset:
My vehicle, a XX/XX/XXXX XXXX XXXX, was repossessed inXX/XX/XXXX. It was picked up by XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX Ga XXXX ( XXXX XXXX ). I was told I had a week to get the vehicle before it was sent to auction. I was unable to and the vehicle was no longer there when I came to get my belongings. I never received communication from Santander about owing them any additional money. According to Georgia Code - 10-1-36, they are required to notify me what the vehicle was sold for and that they are pursuing me for a debt. About two months ago, a company purchased this debt and claims I owe {$10000.00}. On my credit report, it shows three different amounts : XXXX XXXX  and XXXX  ( attached ). I do not understand how I could owe anything on a vehicle that went to auction and how I could owe three different amounts. I also was not told where the auction was held, so I was not even given the opportunity to get the vehicle.
I am filing this complaint as my other complaints against the credit bureaus and XXXX XXXX  continue to be ignored. I was just again refused credit because of a low credit score XXXX though every credit website including the credit bureaus themselves and XXXX XXXX report my score 100 points lower an sahow graphs of my score falling steeply when the only changes were the removal of three negative  items. I continue to read about other consumers who have had this happen to them all over the internet. Then they are offered ridiculously high payments on everything and people cant get out of this trap. It is sick. Making over 50000 I can barely afford a place to live because my car payment and insurance is so high and because my score is so low despite paying high interest loans and credit cards on time having no glaring negative remarks and having others removed as inaccurate. I tried using this complaint form to complain against the credit bureaus and XXXX XXXX and only TransUnion said anything offering some ridiculous gibberish explanation about various scoring models. Tell in what model are negative items removed and replaced with a lower score by 100 points. Why can I not get any answers. What does this company do when companies ignore complaints? Is there any way to mitigate this or is it a waste of time for me to try and work to support myself and my kids because arbitrariy decisions will be made that prevent me from even being able to afford a place for us all to live. I would be better off not working at all and being reliant on government assistance. Is there absolutely anyone who reads this and helps? 
Also now Im paying money to XXXX XXXX every month in true hopes that we could move somewhere better but that also seems seriously impossible at this point and they have done nothing but take more money from me. Credit scores are a racket. My cousin who went bankrupt has no issues versus me who has never just abondoned my bills.
I HAVE NOT RECEIVED MY MOST RECENT BANK STATEMENT IN THE XXXX MAIL. COVERING DATES UP TO MID XXXX 2016.
On XX/XX/XXXX I was issued a summons from XXXX XXXX. I had made a good faith payment of XXXX in XX/XX/XXXX. I had tried to keep communication with them and hoped they would work with me. I live with mom and dad and they have severe health issues and I had another mailing address for them to mail and get in touch but they did not honor it.
To Whom I t May C oncern : MRS BPO , LLC of  XXXX   XXXX , NJ has been harassing me over unpaid credit card debt for years. Initially, I began to receive a collection letter or phone call once every few weeks ( the calls were always received on my mobile phone, which was and remains on the do not call list ). I notified them with the use of form language found through the CFPB that they were not to contact me going forward. However, the calls started arriving half a dozen times a day from different numbers and area codes. A representative of MRS BPO , LLC called my workplace and repetitively asserted to the receptionist that he had to speak to me because of outstanding debt and legal problems. He told her that if I was not pulled out of the meeting to answer his questions, the police would arrive to arrest me. This was, needless, to say, humiliating.     Then my father  XXXX   XXXX   XXXX   XXXX   XXXX , an   XXXX   in  XXXX   XXXX , Florida who is more th an thirty yea rs older than I am received a call from MRS BPO , LLC, but before they could reach him ( he was seeing a patient ), the representative made a point of characterizing my father ( who I 'm assuming he thought was me ) as a criminal, etc. to his office staff. My father had no idea what any of this was all about, and after panicking, he assumed it was some sort of strange extortion attempt. He told me about it later that day, and I asked him for the incoming number. Sure enough it was MRS BPO , LLC.     Several weeks later, my mother receives a call on her cell phone alerting her that her son had done something very, very bad, but that they were not at liberty to discuss it or identify themselves. I 've never seen her so rattled in my entire life. She thought I had committed a heinous crime or was involved with organized crime or something of the like.     Now for the straw that brok e the camel 's  back : I examine my credit card statement, and without my knowledge or consent, MRS BPO , LLC has begun charging my new   XXXX   XXXX    credit card, for what I can only assume is money they assume to be theirs, though I have disputed that assertio n in various venues for years. ( see attached screenshots  ).   These disputes have not led to any determination of responsibility. In short, MRS BPO , LLC violated basic debt collection regulations, humiliated me at work and with my family, and then stole from me.
I have filed a dispute with Citi Bank. I have filed a dispute for the amount of XXXX XXXX for XXXX. I have so much docs it is sad citi has not taken me seriously. I have emailed them everything they require along with phone calls, saying they would call me back, emails all kinds of emails. They emails provide proof of why XXXX XXXX ripped me off. Citi reversed all charges when I got to XXXX two months ago. Sense then I can never get a hold of anyone in the dispute team. They have also closed this dispute. I provided them everything they asked of via email. I have proof. I resend this proof three other times. I am now asking for you help. They inquire me, unless they want money. I am very shocked how they are like this to a client like myself.
i purchased a vehicle from XXXX 10 % interest rate 2 nd loan with wells fargo payment was XXXX $ monthly i was upside down XXXX $ my loan was, my amount financed was is XXXX XXXX payments i got about 2 years of payments asked for a pay off quote had saved some money was going to attempt to pay the car, from the XXXX XXXX ask what the pay off was they said it was XXXX $ still i asked for my records of my payments i received about week and half look at my payments XXXX $ they fluxiate a little about XXXX $ interst a month was never notified this ever shown this in it says 10.9 percent i researched called wells fargo since the dealersshio ask for the loan i my behalf was never notified 40 % interest have called wells fargo numerous times ask them if they could consolidate they said its not the procedure i am in a loan shark loan this why i am still making payments on time want to get out this loan
Bank of America reduced my HELOC from {$50000.00} to {$20000.00} saying in the letter only that it was " based on the decreased equity available in my home '' - no further explanation. When I called them they suggested that I could get money on a credit card cash advance. 
When pressed, they said that they had established a value of {$480000.00} for my house which has a market value of at least {$650000.00}. Houses have been increasing in value in the last few years and typically sell on the first day they are on the market. I believe they are using arbitrarily and fraudulently low " estimates '' of value to freeze HELOCs and force customers onto high interest rate credit cards.
When I opened a new checking account with Citibank, they were unable to verify my external checking out through login. I was advised I would have to do trial deposits and that the initial funding would not go through. Later, after confirming the trial deposits and seeing no pending transfers, I initiated the initial funding through the external account in the amount of {$15000.00}. Later, Citi then initiated XXXX withdrawals of {$15000.00}. The second led to an NSF fee and I received an e-mail that they planned on re-initiating it. I called in and they promised they had canceled that attempt. The attempt did not appear on Citi 's website for me to cancel. However, Citi then initiated this transfer again, leading to another NSF fee from my external account. 

Additionally, due to issues in product integration, Citi conducts verification and sends out account information piecemeal. Citi refused to accept a signed affidavit as proof of identity/residence, insisting on utility bills that are n't in my name ( since I 'm a full-time student ). Then, Citi blamed me when the provider ( XXXX XXXX XXXX ) would not talk to them about the account. Moreover, Citi 's refusal to provide appropriate information and integrate verification meant that once I activated the debit card I was mailed, I was instantly blocked from online access since I had n't been provided a PIN and I had n't been provided my full bank account number yet ( I needed both to login ). Citi customer service could not provider or create either. This failure of integration meant that I did not have access to Citi online, including my unrelated and existing Credit Card ( Citi Double Cash ). I believe this denial of access to current balance, transactions, and previous statements based on a checking account is a violation of the Electronic Statements agreement between me and Citi and the XXXX XXXX. Even in the most liberal reading, the Electronic Statements agreement requires notice of termination of online access. 

I had upwards of 10 phone calls related to this issue and met with a Branch Manager. Finally, I was able to get a " Level II '' Supervisor from Citi who instructed me to call her direct line while in branch with a branch manager. I finally have access to view my online accounts while I wait for the New Accounts Team to process their request to unblock my account. I have not been able to get any resolution on receiving compensation for the overdrafts.
We were told onXX/XX/XXXX we were approved for a VA Loan by Home Town Lenders. The agent is XXXX XXXX who told us when asked three times if we were approved for the VA Loan. OnXX/XX/XXXX we were called at XXXX XXXX   to tell us that we were denied the VA Loan AFTER XXXX XXXX. Here we are with one day BEFORE the house appraisal to try to stop the bank from sending out the inspector. The inspector DID NOT check his E Mails and started the inspection we were told. So now XXXX XXXX says he sent XXXX mails to the bank but we were too late he had already started the inspection. So I asked what about my XXXX they debited from my account and his response was Well, since I had a short sale in XXXX and this is why we were denied the loan. Implying Had I told him I had a default this wouldn't of happen. A short sale is NOT a default. No telling him that. He then stated that we would be getting only back XXXX due to the inspector having started the inspection. He was keeping XXXX for his time. We were told that back on XX/XX/XXXX the bank sent out the check register mail. When We contact Home Town Lenders for our money all they say is check is in the mail. Here it is XX/XX/XXXX and still no check. I am on XXXX and can not afford a attorney.
I AM A XXXX VETERAN. I AM WRITEING THIS LETTER BECAUSE BANK OF AMERICA HAS ILLEGALLY MERGED XXXX DIFFENT EQUITY LINES OF CREDIT ON A HOUSE UP FOR SHORT SALE AND XXXX THE EQUITY LINES OF CREDIT BELONGS ENTIRELY ON A DIIFRENT HOUSE ONLY RELATION IS THEY BOTH HAVE IS THEY BOTH ARE OWNED BY BOA. THE LESSER AMOUNT IS ON XXXX XXXX XXXX XXXX, MICHIGAN XXXX. THE HOUSE GOING TO SHORT SALE BECAUSE ITS EQUITY LINE IS IN DEFAULT BECAUSE IT IS XXXX NOW {$65000.00} UPSIDE DOWN IS IS XXXX XXXX XXXX MICHIGAN XXXX. 
BANKS HAVE THAT MUCH POWER NOW. WOW. 
PLEASE HAVE THEM CORRECT THE PROBLEM.. THEY HAVE IT IN THEIR RECORDS THAT THE LESSER LOAN THAT IS NOT IN DEFALUT BELONGS TO A TOTALLY DIFFERENT ADDRESS WHICH IS XXXX XXXX XXXX, XXXX, MICHIGAN I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN. THEN THEY FORCED ME TO CHOSE BETWEEN SHORT SALE OR FORECLOSURE. I CHOSE SHORT SALE BECAUSE I DON.T WANT TO FILE BANKRUPTCY. I PAY MY BILLS. I HAD TO FIND THE REALTOR AND THE BUYER. THE BUYER IS ABLE TO BUY IT ON PENNIES ON THE DOLLAR AND I GOING TO RECIEVE A XXXX I HAVE TO CLAIM IT AS EARNED INCOME. AS MUCH AS IT HURTS.AND AS EMOTIOAL DRAINING AS IT HAS BEEN, I DID IT. NOW I FEEL I HAVE BEEN WRONGED AGAIN. I HAVE A FAMILY HOME THAT WE JUST LET FAMILY LIVE IN FOR FREE XXXX XXXX, XXXX, MI XXXX IT HAS A SMALL LINE OF CREDIT OF {$7000.00} I ESTABLISHED WITH XXXX WHEN I WAS AROUND XXXX OR XXXX YEARS OF AGE. I AM NOW XXXX. THE ACCT NUMBER ON XXXX XXXX HAS CHANGE SEVERAL TIMES THROUGH BANKS. 1 ST WAS WHEN XXXX PURCHASED IT FROM XXXX, 2ND WAS THEN BANK OF AMERICA PURCHASED IT FROM XXXX BANK. 3RD TIME WAS WHEN BOA WAS CHANGING ALL THERE ACCOUNTS IN 2007 THE ACCOUNT CHANGED AGAIN. XXXX XXXX ACCOUNT HAD XXXX ACCT NUMBERS THIS ACCOUNT IS SO OLD IT IS GRANDFATHER IN TO BEING A FOREVER REVOLVING LINE OF CREDIT. NOW BANK OF AMERICA IS TRYING TO TAKE XXXX OF MY HOUSES FOR THE PRICE OF XXXX. PREVENTING THE SHORT I AM UNABLE TO SHOW PROOF OF THE PAPER WORK BECAUSE MY HOUSE HAD A HOUSE FIRE AND I STORING A LOT OF MY PAPERWORK IN THE BASEMENT. SO I AM UNABLE TO PROVIDE THE INFORMATION FROM NEARLY 25 YEARS AGO. BUT IT IS HARD FOR ME TO BELIEVE THE HOUSE WHICH IS TO BE SHORT SALE ; XXXX XXXX XXXX MICHIGAN HAS MYSTERIOUSLY GOT A XXXX MORTAGE OF AN ENTIRE OTHER HOUSE XXXX XXXX XXXX MICHIGAN IS UBELIEVABLE. THIS IS WHY I GOT A LAWYER. IT WAS JUST THE WRONG ONE AND I CA N'T AFFORD ANOTHER ONE. THIS IS WHAT THE BANKS ARE DOING TO XXXX PEOPLE. THE BUYER WHO IS READY TO FLEA, I AM STILL RESPONSIBLE FOR THE WATER BILL AND TAXES. IT 'S JUST TOO MUCH. I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN.
I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX  hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.
Wells Fargo Bank ( WFB ). I scheduled my mortgage payment like I do every month. I find today that two mortgage payments have been debited to my checking account and an additional one ( for 3 total ) is pending. I only authorized one payment from online bill pay at WFB from my checking account. I keep my balance at checking balance at WFB at XXXX dollar over my mortgage amount of {$1100.00}. When I talked to the banking side of WFB they said one came from bill pay and one from an auto-pay on the mortgage side. WFB bank side transfers me to WFB mortgage side. WFB mortgage claims one payment was from their bill pay service ( which is the one I authorized ), one was entered online on their mortgage site ( I did not do thsi and am unaware that this could/can be done ). WFB mortgage also claims there is no auto=pay which the WFB baking side said was there and show no pending payment ( see atatched screen shot image ). The problem is that the second payment caused an overdraft transfer from my credit card with WFB. If the third pending also hits it will generate another overdraft. This seems to be more of the shady business practices of WFB. Although I have not seen any fees associated with these over draft transfer yet I suspect I will. At any rate it seems WFB has no idea what one hand or the other is doing and just pulls explanations out of thin air. They should at least consult on what lie there going to tell a customer. I never, NEVER use auto-pay on anything. WFB can see that I have been making my mortgage payment using their bill pay service and that I keep {$100.00} in the checking account. Can you rattle their cage please?
2 Citibank Credit cards were stolen and used without permission from my Dad who was XXXX and XXXX from XXXX. My father was in the hospital during the time of these uses, and had no access or mobility to use the cards. There was no authorized users listed on the credit card accounts. I have proof that my Dad had no way to utilize these cards during this time period. A fraud alert was initiated on all 2 credit bureaus, and the problem was called into the credit card company. A fraud investigation was initiated. Dad XXXX   several days later. The credit card company instead of investigating the fraud put this account into collections. The collection department stated the estate MUST pay the outstanding balance, ignoring the fraud alert/investigation. The investigation stopped and the collection department is demanding full payment.
I applied for a relinance with Quicken loans .This bank said I could refiance with a loan for $ XXXX.They would pay off my old loan XXXX and pay credit cards debts for about XXXX.I would get a pay off amount for XXXX..I then gave them XXXX.for an appraisal fee.my house was valued a XXXX I then gave them XXXX/Copy of my sisters mortgage I am a cosigner .A payment agree for the IRS.They asked me how much I owed Irs which is about XXXX.They said as long as my house does not have a lien I could have the loan .This has been since XX/XX/XXXX.They keep asking for cancelled checks for/XXXX/XXXX/XXXX.I gave them 3months of checks front/back.And I have a payment agreement for XXXX-monthly.I do n't have check history because I pay on line .Please help me get my XXXX back. Quicken loans clearly does not want to do business with a XXXX women that owes the IRS/but makes installments to IRS that was agreed upon.
I received a notice from Ballato Law Firm advising me that my debt was in collections and will be prosecuted if not paid. I immediately called and made payment arrangements. I spoke with XXXX who advised me that because I made arrangements I would not have anything to worry about and would not need to go to court. Te arrangement was for $XXXX a month however I was making $XXXX payments a month. I advised XXXX that I was making a month payment in advance and she said she would document that. I had made payments without lapse since the arrangement was made. The end of XX/XX/XXXX I received a notice advising me they had filed a judgement against me for non payment and that I should make payment for the remainder immediately. I have been calling them incessantly to have them remedy this to no avail. They have been very dismissive and make excuses for why they ruined my credit. They refuse to discuss the matter although arrangements were already made. They had no reason to file judgement against me.
I received a letter in the mail stating that my checking account, my savings account and all my credit cards have been closed. I have no idea why. all my accounts are in good standing, ive never missed a payment, and i havent done any illegal activity whatsoever. I was stunned for this to happen to me. This is just a case of pure bullying by someone who has more power than me. now, i am without a bank account of any kind, and i am missing all the lines of credit that were available to me. How am i going to keep up with my daily expenses? I have no idea ...
DCI Credit Services , Inc. has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have banked with Citibank for over fifteen years. I have two accounts, one on which I am the only signer, and is over fifteen years old. The second is a newly opened joint account on which I am the co-signer. 
OnXX/XX/XXXX, I made a cash deposit of {$7400.00} ( XXXX XXXX XXXX XXXX  XXXX dollars ) to the account on which I am the only signer. 
Thereafter, Citibank placed a block on my account onXX/XX/XXXX, and cited the deposit of multiple checks on the evening oXX/XX/XXXXas a reason for the block. I have ATM receipts which prove that the deposits made were in fact cash, and no checks were involved. My account has been blocked for over a week with no explanation other than the deposit of multiple checks on XX/XX/XXXX, which in fact never occurred. 
And onXX/XX/XXXX, they informed me that they had closed my account, and would be keeping XXXX dollars of my money. The newly opened joint account was also blocked with no explanation as to why.
On XXXX XXXX, 2017 I sent a validation letter to Resident collect inc. to validate an alleged debt which they saw I owe, I do n't agree, so I need validation. 5 days later I received a computer generated bill with what looks like a someone forged my signature. I sent a follow up validation letter and received the same computer generated paperwork. I never did business with Resident collect, I never agreed to pay this company a dime! I want to know why I owe this company {$4200.00}. please have them provide proof of any agreement that grants them authority to say I owe a debt, Resident collection authority to collect on any alleged debt any any judge name that signed off on this alleged debt.
The Law Office of Rory W. Clark is attempting to collect on a debt which has been deemed a matter of ID Theft by both XXXX XXXX XXXX ( ID # : XXXX ; XXXX : XXXX ) and the XXXX XXXX Police Department ( I.D. # XXXX ). Furthermore, upon my own discovery, the said law firm has demonstrated to be the subject of several lawsuits against them which casts doubt on the legitimacy of its claims : XXXX ; XXXX
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
On   XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   in   XXXX   GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.