WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I sat through a XXXX timeshare presentation where I was informed I could utilize a Barclay credit card as a down payment towards a timeshare. I initially declined the offer because of possible high interest rates. The sale rep stated that the card would have a low interest rate due to the company working hand in hand with the credit card company, I later found out the companies are one in the same. The sales rep proceeded to run the credit of both my friend and I and returned stating " You both fall into our tier XXXX category '' which he explained was great credit tier and the interest rates would be low. A few minutes later, he returned and handed us our forms which stated otherwise, what we did n't know is that he had already charged the cards. When questioned about the interest rates being so high, 25.99 %, he stated, well you do n't have to utilize the card. The card had already been charged towards the down payment on the timeshare. I have since disputed the {$8500.00} paid to XXXX XXXX for a timeshare in which I have not been able to use due to lack of availability and they are refusing to refund me my money or handle the issue with the credit card. I would have never opted to purchase the timeshare nor credit card, if it were n't for the misleading and false advertisement, the deceptive information provided and the bait and switch tactics used by XXXX and it 's employees.
At the time if this debit I apply fir financial assistance due to the fact the I was working part time with XXXX kids and I was approve 100 % but i also was referred out for physical therapy which also part of the hospital company so the bill i got was not paid and was added to my credit I also applied for a dispute and it still have not been resolved as of today XX/XX/2018
My information was apparently compromised in the Equifax hack. Now, there is no way for me to freeze my credit to prevent identity theft because their phones and their website are down. I need my credit frozen immediately.
My credit score has always been maintained above XXXX and I have absolutely no delinquent obligations or credit. Over the last 3 months ( XX/XX/XXXX-XX/XX/XXXX ) my score has dropped substantially ( presently XXXX ) citing reasons of serious delinquency, level of delinquency, recent delinquency, too many accounts opened and too many recent inquiries. ALL OF THIS IS ABSOLUTELY FALSE. Whatever this is its either fraud, a mistake or false reporting!!
i had over three diffrent payday loans out at the same time. in the state of Florida thats illegal. i did n't expect for a XXXX $ to have to pay back over XXXX {$.00} im trying to recover, but now white pine states they are garnishing my wages without due process and no court order.
I received a letter from a collection agency in  XXXX     2017  about a debt I owed to  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   XXXX  ). I sent a letter disputing the debt to Transworld Systems In c ( the co llection agency ) disputing the debt because my insurance had n't been applied to the bill. I received a letter from Transworld the beginning of  XXXX   2017  with a breakdown of my medical charges ( $  XXXX  $  XXXX  = {$1400.00} )  and a link to  XXXX  to pay online. I then received a second letter in  XXXX  of    2017  stating that I owe {$1300.0 0} ( afte r insurance adju stments ) and  a link to transworldpayments.com. When I checked my credit the beginning of  XXXX   2017 , it stated that I had an outstanding balance of {$2800.00} broken down into  XXXX  charges all on  XXXX   XXXX ,  2017  ;  XXXX  for {$93.00} and  XXXX  for {$1300.00}. So, they had slightly more than double charged me.
I filed a dispute requesting verification of a debt that is being reported by XXXX XXXX XXXX ( XXXX ) for account XXXX XXXX. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from XXXX which was summarily ignored. 45 days after my initial request I, again, requested debt validation from XXXX. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could n't find the time to reply to my numerous requests they found the time to begin harassing me. In an attempt to mitigate any further harassment, and hopefully get them ( XXXX XXXX to validate the debt they are reporting to the CRA 's as required by law, I filed a dispute with XXXX on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates reported and amounts owed. I also took care to note XXXX 's failure to provide any proof that the debt is valid and being reported correctly. On XXXX/XXXX/2015 I received the results of the " investigation '' performed by XXXX with a determination that they were able to verify the debt. 

Under FCRA sec 623., I am requesting disclosure of the " original creditors documentation '', on file, that they must maintain to to validate all data being reported be made to me XXXX 30 days after receipt of this notice. If they are unable/refuse to provide documentation I am requesting that the the reported data be removed from all credit reports.
Re : Consumer Financial Protection Bureau Case No. XXXX In Case Of Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXThis message will confirm receipt of Consumer Financial Protection Bureau, and in response to Trans Union LLC sent to Consumer Financial Protection Bureau in reference to Case No. XXXX, and continued dispute with Trans Union LLC that the information in my credit report is not accurate ( the account is not mine ) that references " XXXX XXXX Formerly XXXX # XXXX '' and should not be in my credit file, please delete at once. 

Additionally, attached, please find photocopies of verifying documentation in support of Case No. XXXX, which I am providing the following information and accompanying evidence so that Trans Union LLC can correct my credit file : XXXX Statement dated XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX ; and XXXX XXXX and XXXX XXXX -- XXXX Pay dated XXXX XXXX, XXXX. 

I recently discovered the proper and correct address that governs the taxable that XXXX residence premises evidenced by official records maintained by XXXX XXXX revenue authority and the agency that issued and approved the final occupancy permit certificate number XXXX, and final approved building/zoning certificate number XXXX on XXXX XXXX, XXXX, in connection with tax map identification numbers beginning with XXXX and XXXX ; and " Parent '' parcel identification number beginning with XXXX. Accordingly, expunge at once any reference regarding all created variations of the situs address that does not exactly match the address ( that is the situs address ) identified on final occupancy permit certificate number XXXX and final approved building/zoning certificate number XXXX. 
This negative mark is damaging my credit and my reputation. Please delete the information referencing " XXXX XXXX Formerly XXXX # XXXX '' at once and issue me and anyone who has requested a copy of my credit report with the previous six months or within the previous two years if requested for employment purposes a new credit report. 

I certify the information provided is true and accurate to the best of my knowledge and belief, which is also germane to the following land parcel data : Sincerely, I am /sXXXX XXXX XXXX on behalf XXXX XXXX XXXX Without XXXX, United States XXXX XXXX XXXX. ) XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX
In XXXX and XXXX of 2014 we received a phone call from Ocwen Company stating that our house payment was due and we were late. Immediately, we explained to them that the payment was sent and received by them on XXXX XXXX, 2014. They said that their records did not show anything. Since we have proof from our XXXX bank account we immediately faxed the statement from the bank. The employees from Ocwen Company kept arguing with us that we had n't made the house payment. My husband and I kept sending information and proof for about 8 months to the Ocwen Company but they ALWAYS denied everything. My husband and I gave up and decided to pay them another payment of the full amount. We are 100 % disappointed of being part of the Ocwen Company.
On XX/XX/2018 wells fargo hit me with a hard inquiry for getting a XXXX XXXX   card. Before I got said card I had asked about any hard pulls as I did not want one. The sales man assured me there would be none. Later on when I noticed the hard pull after talking to a few customer sales reps who were on able to assist, I was able to talk to a supervisor who understood that I did not want any hard pull on my account otherwise I would have never got the card. The supervisor at wells fargo I believe her name was XXXX agreed to remove the hard pull from my file. She said it would take up to 15 days. For some reason this hard pull is still on my file.
Pinnacle Credit Services LLC has reaged the debt to XX/XX/XXXX. The original debt with XXXX XXXX became delinquent approximately XX/XX/XXXX. there has been no payments made or any effort to reaffirm the debt. It has been more than seven years since the first delinquency and should not appear on my credit report.
CFPB Case # XXXX regarding CareCredit ending XXXX did not see Care Credit Corporate response until after I submitted my dispute. I would like to add the following response to my file please. I have faxed CareCredit with the dispute today and also sent response to Corporate Consumer Relations XXXX XXXX XXXX. Again I am very disappointed as she did not return my calls after XXXX and I believe Care Credit has NOT been fair in their responses to me or verifying the XXXX claims for treatment that I did not authorize or receive. 
Thanks you Sincerely, XXXX XXXX XXXX
This objection is at Citibank not adequate notice, promises breach, not applicable concealment, nuances, fiduciary breach and not suitable reimburse regarding various amounts require to law to reimburse credits placed on accounts, debit refund credits, monthly fee balance, bonuses, direct deposit credits, interes balance, and various deposits.
Experian has received a letter from me on XX/XX/2018 regarding an account that has been investigated and deleted by another credit bureau, which is XXXX. This account is misreported/ unverifiable/ false/ and or else wise inadequately reported data and/or derogatory information that is questionably, if not deceptively, reported in my credit file unfairly and surely illegally. As you know, COMPLIANCE of reporting for any VALID CLAIM is MANDATORY, NOT OPTIONAL. Prove or remove, THAT IS THE LAW! The item here reported is DEFICIENT of reporting mandates as it is in the least questionable in its inconsistent reporting and deceptive even error-prone reporting. As detailed by the XXXX XXXX Five Points of Compliance per the link : XXXX : XXXX OBVIOUSLY, the five noted points above are each MINIMUM STANDARDS for being compliant in processing consumer complaints COMPLIANTLY and exactly as dictated by the XXXX as per listed at this link. This sequence of requisites to certified compliant reporting is commonly referred to as the XXXX aka XXXX XXXX Five Points of Compliance! It is FEDERALLY mandated and must demonstrate proof of such should a consumer call for a CHECK of VALIDITY and/or COMPLIANCE of reporting and/or DISPUTE the claims validity and or CHALLENGE the alleged compliance of reporting, even the mandatory perfect and complete XXXX XXXX Format Compliance standards of reporting as above mentioned at least! 
Follow suit and delete this account for accurate reporting : US BKPT CT IL XXXX Identification # XXXX Attached is the letter sent to Experian on XX/XX/2018, XXXX XXXX Five Points of Compliance explanation ( pay attention to highlighted area ), XXXX credit report with deleted account.
Equifax mishandled my information which has led to a breach that puts myself at potential risk of credit fraud and identity theft. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for one month after the breach was detected. I received no email, letter, or phone call and instead discovered the breach via social media.
XXXX XXXX XXXX is still reporting an old acct which they agreed to remove when we settled the account. I 've requested the acct be removed but Experian continually reports it as being verified. I 've asked both XXXX XXXX XXXX XXXX Experian to provide all the proper documentation they 've used to verify the account but they have not responded to me. I would like this account removed per my settlement agreement with XXXX XXXX XXXX ... this was an oral agreement which XXXX XXXX XXXX agreed to remove from my records back in 2009. It 's still being reported inaccurately. I 'd like it removed immediately per the settlement agreement.
XXXX XXXX 2017 Equifax got hacked and gave away social security numbers, drivers licenses and addresses. resulting in identity theft
I paid account number XXXX off and they are still reporting this account on my credit report. I was told when I pay it that they would update the credit reports and this was never done.
I do not know what this account is, no one from this company has ever tried to contact me about this debt. If I know about it I would have paid.
Navient has consistently misapplied payments and now for the second time has only credited me with a portion of a payment with the remainder missing in their system. I utilize online bill pay through XXXX XXXX  and I believe the payments are electronically sent to Navient. 
I make two separate payments to Navient. One for Federal loans and one for Private loans. This month, for my XXXX XXXX payment, Navient properly applied my {$150.00} payment for private loans. For federal loans I made a payment of {$1300.00}. They have applied {$1200.00} toward my federal loans, putting me in default. They have a ticket in to find the remaining money that I paid and I have provided a copy of my online statement showing the payment being made. A similar situation happened several months ago and was resolved but I do not have any paperwork for that instance. 

For payments made XXXX XXXX, XXXX XXXX, and XXXX XXXX, Navient improperly applied {$170.00} each month from my federal loan payment to my private loans ( instead of applying {$150.00} to my private loans each month they applied {$270.00} XXXX. Always the same amount, always putting me in default. Each time they rectified the situation but if I was n't constantly tracking I would have potentially remained in default and lost benefits for being in good standing.
XX/XX/XXXX, while on unemployment, I reached out to Keep Your Home California for assistance with making my house payments. At that time I was told that Wells Fargo was participating in the program and that I would need to get specific paperwork from them. When I called W/F requesting the paperwork, I was connected with a home preservation specialist. This person informed me that Wells Fargo had an assistance program under the federal government 's Home Affordable Unemployment Program that he could put me right into, no wait time or paperwork, I only needed to fax a copy of my unemployment insurance award letter and my monthly payment would be reduced for 12 months. As soon as the XXXX payment was made, I received a demand letter from Wells Fargo for nearly {$40000.00}. That is when they put my into their loan modification program of which I have never been able to qualify for. I either did n't make enough money, or I am making too much. The value of my house was n't high enough or it might be to high. Negative Net Present Value is usually the deciding reason they give for not giving me a modification. I even offered {$50000.00} to pay down the arrearages. I believe that this original home preservation specialist was in an incentive/bonus plan for steering me into the Wells Fargo unemployment program that left me owing them, and them denying all modifications, whereas the KYHC program was a helping hand through the federal bailout plan. When I directly requested the notes on my file during this period, I was denied in writing. They said I needed a subpoena or court order to obtain the information on my file. I was informed yesterday when I called Wells Fargo that I was in foreclosure, with a sale date of XX/XX/XXXX
Someone added my name to an account for a Authorized user? I do n't know the person and I do n't have a target card never have. Please remove. I am a victim of identity theft. I been living in a 3rd world country for years.
DATE : XX/XX/XXXXXXXX TO : FAY SERVICING , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX RE : Notice of Error Mortgage Loan Number : XXXX Please accept this letter under RESPA and/ or TILA. 

I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. 

My account was charged a total of {$610.00} on XX/XX/XXXX that were applied toXX/XX/XXXX for fees in relation to XXXX XXXX XXXX ( attorney fees {$300.00}, {$240.00} publication cost, and sales cost {$75.00} ), in connection with a wrongful foreclosure, upon investigation XXXX XXXX XXXX stated in written and verbal response that their firm did not publish anything related to my property after XX/XX/XXXX my file was closed on XX/XX/XXXX, and my home was never sold. XXXX waived these fees onXX/XX/XXXX along with ( 2 ) two property inspection fees of {$15.00} each ( see attachment ). Please waive these bogus fees, or produce itemized invoice documentation! Accounting irregularities have existed for quite sometime now, hopefully your company can investigate and fix these errors along with others. ***Note there a difference of {$1000.00} in XXXX XXXX XXXX XXXX totals! 

P.S. Fee was not included in/ on FDCPA Validation Notice dated XX/XX/XXXX 

Thank you for your cooperation as we dont want to lose our home and this information will help us to save our home. 

If you need to contact me, I can be reached at, XXXXXXXXXXXX, or XXXX XXXX XXXX. XXXX, AL XXXX. 



Sincerely, XXXX XXXX XXXX XXXX
There is a delinquency on my credit report and it does n't tell me where it has come from.
In XX/XX/ my vehicle was repossessed and I was verbally told I can redeem it as long as I paid a certain amount by the XX/XX/XXXX. I in fact paid it and was then told I needed a release to obtain my vehicle back. After several calls I finally received the release but when I called the auction where my vehicle was being stored for whatever reason they kept telling me they were closed, never received the release and I have to call several days later to make an appointment to retrieve my vehicle back. It now is days later and after several calls to the lien holder I still have no vehicle and since have lost my job since I have no way to work. Also I never received the statuory proper notices by mail per the NJ repo law stating they repossessed the vehicle.
I received harassing phone calls from a debt collector by the name of " Eastern Account Systems '' based out of Connecticut trying to collect on an overdue account for " XXXX XXXX ''. It appears that XXXX gave out my personal information to this collection agency in an attempt to " phish '' for someone else 's delinquent accounts because we have a similar last name ( similar in last name ONLY! ) I 'm FURIOUS about this because for one - I did not authorize " Charter '' to release my personal information to ANYONE, and for two - they did not have " Just Cause '' to release my information. I want to know why this happened, and make sure that both of these Companies behave in a more professional manner by using accurate information - Also that they are not pursuing the wrong individual!
On the morning of Friday, XXXX XXXX 2017 I cashed a small check at the US Bank branch inside of XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The teller took my ID and searched her computer for my account, spending what felt like far too long clicking around on her screen, then announced, How strange! You dont have overdraft protection on your account. Its a free service. Im not sure why you dont have it. I explained that I had just been bumped from Private Client services a few months back, perhaps basic checking features got lost in the shuffle when my account type changed. She proceeded to cash my check and ask me questions to verify my address and phone. Then a second gentleman who conducted himself more like a branch manager arrived with bundles of XXXX and XXXX for her drawer to fulfill my cash request and began to explain to me the features of my new line of credit. <P/>Wait, what?! Overdraft protection involves opening a line of credit? I was incredulous, You were about to open a line of credit in my name and mask it as helping me set up overdraft protection? The manager apologized and explained that he could see how this was confusing since most overdraft protection does not involve credit. He tried to further convince me by insisting that the credit inquiry would pay off with the added security I would enjoy. <P/>Now I was infuriated and feeling absolutely defrauded. The term overdraft protection is understood by consumers only as a courtesy feature of a checking account, not a mechanism to access borrowed funds. The feigned helpful tone and misleading language used to push a line of credit made me sick to my stomach ( and reminded me of XXXX XXXX ). <P/>A few hours later after logging in to the US Bank website I was assured, You Automatically Have Standard Overdraft Coverage. This also meant that the teller flat out lied to me this morning. <P/>I wrote and submitted this complaint to the Consumer Financial Protection Bureau in the hopes that others are not subjected to similar predatory marketing practices. <P/>Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
On XXXX Bank of America posted my daily transactions so that the largest one was processed first resulting in my incurring 4 overdraft fees instead of one and 4 CREDITORS NOT PAID INSTEAD OF ONE. Had they posted the smallest first I would have incurred one overdraft and one creditor not paid. 

If I recall they lost a huge class action over this practice yet they continue to do it. This is nothing but an OBSCENE.money grab ... it is disgusting and outrageous. 

This was also amid an incoming wire transfer that was sent by a XXXX party to me on XXXX, but for some reason they dont process until THE SECOND BUSINESS DAY AFTER A HOLIDAY???????
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX to the credit bureaus asking for further verification as some items were still not answered - no response. I then sent the attached letter in May directly to this creditor asking what this item is- I HAVE RECEIVED NOTHING. I have NO IDEA what this is based on the dollar amount. I have attempted to request this information THREE times now, and I have had enough. Within 30 days of reviewing my report I have spent the last almost SIX MONTHS attempting to get verification. Furthermore this SAME account number is on my credit report TWICE. This is a waste of my time, energy and money.
Equifax did not take the appropriate measures to ensure protection of my personal identification. Therefore, my personal information has been potentially breached requiring me to take initiative in at attempt to protect myself. This has cost me both financially, emotionally, and caused me to waste valuable time. I fully expect the situation to be rectified by ensuring protection of my personal information and financial compensation.