WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 purchased a used car from XXXX XXXX XXXX sales ; XXXX XXXX XXXX XXXX  XXXX ; XXXX NY XXXX ; XXXX. This purchase was due to the vehicle we had failed. I was given a subprime loan through Credit Acceptance Corp ; XXXX XXXX XXXX XXXX XXXX ; XXXX MI XXXX. Telephone XXXX. Loan XXXX for XXXX. The paperwork i signed stated New York Credit Acceptance Corp. I was charged 22.99 % interest on a 48 month loan. 
New York State has a limit of 16 % as well as The Federal Government. The total finance charge is XXXX. the payment is XXXX a month. I was told by the salesman i must purchase an Extended warranty to obtain the loan. the cost is XXXX the warranty, which I found out was optional.XXXX XXXX plus Contract CAP XXXX. I cancelled the warranty with XXXX XXXX they charged me {$50.00} cancellation fee, they will not explained the amount of payment anf interest per month for the warranty. The reimbursed me XXXX. I was told my payment stayed the same. But they deducted the reimbursement amount. There is over XXXX unexplained. 
It should be noted I needed 4 repairs to the vehicle, the warranty told me all were not covered.
NOTE : This is my third complaint to CFPB about the same issue. And my 6th dispute with TransUnion, TransUnion have yet to provide me with ANY copies of original documents ( a Original Signed Contract With My Signature ) that is my Right by FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that THIS IS NOT MY ITEM!!!!! TransUnion are required to PROMPTLY DELETE  this Negative XXXX XXXX account # XXXX. Note : XXXX have Deleted this ITEM because IT'S NOT MINES I have filed a Complaint with the Attorney General also. Please send me a Contact with my signature on it are Delete it ...
A company by the name of Financial Asset Management System keeps calling me to " collect a debt '' for an XXXX ( completely different last name ) ). My first name is XXXX but the last name is completely different than my current name or my maiden name. I do not have any outstanding consumer debt. I have told them on multiple occasions that I am not that person and to take me off their list. They still call me and a similar number is also calling my minor son 's cell phone. I have checked my credit reports to see if there are any identity fraud issues and there are no red flags for that possibility.
onXX/XX/XXXX I noticed my balance in my account was off by XXXX upon calling XXXX number to my bank they informed me that on the XX/XX/XXXX a debit transaction of XXXX from XXXX XXXX  went through and put my account in the negative wich my account was not in the negative from this transaction and the two print outs i have attached should show this.
I have concerns that Whitney Hancock Bank is conducting promotions that they are not intending to comply with - they are forcing the customer to " fight '' to obtain what was promised. 

Company promised in advertising that if you met deposit requirements you would receive {$100.00} prepaid debit card. 
XXXX @ XXXX am - Called and spoke to XXXX in Louisiana call center - he stated I met all the requirements. Card would be mailed after XXXX XXXX. 
XXXX - No card received. 
XXXX @ XXXX pm - Called and spoke with XXXX ( sp ) and she said card would not be mailed now - I asked for a manager. XXXX had another person come on the phone who said it would be mailed in XXXX. I asked for a copy of the promo advertisement because the advertisement I have said XXXX XXXX. He said he would obtain it and also asked for my cell phone to call me back. I provided my cell phone. No one has called me back.
Sallie Mae did not send my XXXX statement. They sent a letter stating that i paid {$3900.00} and {$11000.00} in eligible interest but the letter was to my co-signer and it says that the borrower has to obtain a copy of the XXXX but I the borrower was not able to log in to the website to print it because i am no longer a customer and she stated that i did not pay any interest off and that the loan was simply paid off.
I had a late charge in which I disputed with Barclays. I had made a call to not be late and provided my checking account number and was told by agent it went through. Later i find out it did not and i was charged fees for them in accurately entering my account info. 

My dispute was rejected and received a letter dated XXXX XXXX. I called to ask how if could escalate and ask for another review and Barclays agent refused to provide additional info. Hence, I cancelled the card. I still want to appeal but after XXXX conversation with XXXX refusing to provide info on an appeal process I am filling this complaint.
I am a victim of identity theft yet your company XXXX has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account XXXX XXXX in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.
Myself and one of my family remembers has received calls from DCI. I called in for a cease & desist, the representative I spoke to decided to threaten me and state the following " We will continue to look for her and find her. '' That was said to me even after I said to stop all calls from being made to that account.
On X/X/2017, I received a text message from Chase bank stating that there may be fraudulent charges on my account. I replied by stating that I did not make the charge. The charge was still pending at this time. I called Chase shortly after I replied to the text message. They informed me that the claims department would refund my money and they did a few days later. On XX/XX/2017, they took the money back out of my account. The amount was for {$74.00} to XXXX XXXX, who I had never purchased anything from in my life. I contacted Chase to get my money back. They informed me that I needed to contact XXXX XXXX to get my money back. I contacted XXXX XXXX and they informed me that they do not reimburse fraudulent purchases and that my bank should refund me. XXXX XXXX also informed me that my transaction should have been pending on the account ( which it was ) and the bank should not have authorized the purchase and the item would not be shipped. I contacted Chase Bank and they provided me with an address as to where the product was shipped to but basically made it my responsibility to do the research on something they should have never released my funds on. The item was shipped to another state. I filed a police report with my local police department and Chase told me that I have to send them the copy of the report, instead of them obtaining it. I had to take half of the day off work in order to work on this situation, when this should have never been a situation.
Please see comments from my previous complaint which was closed. Case # XXXX Upon reviewing flagships documents that they attached with their response to this complaint, I found multiple errors. They made it look as if they corrected the issues ( not posting payments properly, holding payments making them late, applying my payment to another account, repossessing my car when I had made the payments every month leading up to the repossession but due to their terrible business practices they were not applying my payments which led to the repossession ) There are so many errors in everything that they have done it is hard to keep track. I am going to attach all of the documentation once again including their documents that they responded with. They have in fact failed to correct my account ( they made it appear as if they did however if you look into the documents they provided there are multiple mistakes ), after multiple failed attempts at contacting them I am now seeking further action against this company. I am hoping you will help me. I am going to attach comments from others about this company, as it is not just me that has this problem. This company is fraudulent, has no integrity, and should not be allowed to continue to do this. 

They have robbed me of my money, inflicted emotional distress, lost time and wages, and countless hours researching and digging into what they claim they fixed. I am asking you CFPB to protect not only myself, but many many others who are victims of fraud. I feel as though I have been robbed, mistreated, and so much more. Also, the company continues to drown my credit report with derogatory statements. I want the repossession and every single " missed '' " Late '' payment that the company stole from me to be corrected on my credit report. 

For the company : I am giving you one more chance to CORRECT this, and I mean fine tune every single line of my payment history as well as your horrible accounting practices before I seek an attorney. I will not continue to allow you to do this to me. 


Errors found in the documents they provided in the last complaint : XXXX/XXXX/XXXX payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Repossession fees and lump sum payment not applied correctly look at how many times they applied and reversed, it does n't add up. 
XXXX/XXXX/XXXX {$200.00} payment made, after this is when they " fixed '' everything and responded to the complaint ( and lied ) if I made a {$200.00} payment, and they supposedly applied a {$500.00} payment where is the extra money? Technically they only applied {$300.00} out of what they claimed to have fixed. On the website as of now, it is n't correct and still shows a payment due. The problem is, the " late '' payment was from XXXX when I have a statement from the company showing I had a zero balance and next payment due was XXXX XXXX, XXXX. Go through the dates nothing adds up.
I had an installment loan with Tower loans the original term was 15 months I paid the account in full on or around the XXXX XXXX XXXX 2017 and was told the account was paid in full and closed. On reviewing my credit reports through XXXX the XX/XX/XXXX the account was still reporting as open. I filed a dispute with XXXX and XXXX XXXX through XXXX XXXX who said that they investigated it and there was no change. I submitted a second time and on XX/XX/XXXX Tower Loans updated and said I have a balance of {$1400.00}. I called a local branch of Tower Loans spoke to the manager who told me that their corporate office submits the credit information and it may take them 90 days to do it. I asked for the number for the corporate office and he hung up on me.
I applied for a new Care Credit/Synchrony Bank credit card on XX/XX/2016. I applied on the phone, in the XXXX and was approved for {$11000.00} ( exact amount of XXXX work ). I was told I would be receiving the paperwork and bill in the mail. I received the paperwork and 1st bill in late XXXX which showed I was charged an interest charge of {$81.00}. I called their XXXX # and asked why I was charge interest on a bill I had not yet received. I had just opened the account and before I received any paperwork, they charge me interest. Plus, I looked at my credit score information and it showed this account to be over it 's limit - before I ever received a bill. I was told by the XXXX # that, 'it 's unfortunate that the {$81.00} was n't paid by the due date. ' And, 'Just because it 's on a credit site, we did n't indicate it as a negative comment on your account '.
Withing the last five days, my EQUIFAX credit scores dropped by over XXXX points in one fell swoop. I monitor all XXXX credit reporting bureaus via XXXX and other services. Neither XXXX or XXXX registered such a radical downgrading. I called EQUIFAX and spoke to an overseas representative who simply read old negative data entries without being willing to specifically share with this consumer what specific new item actually correlated to the double digit drop. In the past, I had to struggle with EQUIFAX over similar behavior. In every instance, they refused to go over the cause of any adverse action. This is unfair, arbitrary, and counter to consumer protection rules. I want the score restored.
I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with XXXX XXXX XXXX ( XXXX ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from Ace Cash Express for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. 
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. 

This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. 

I have the voicemail messages left by " XXXX XXXX ''.
In XXXX of 2015 I refinanced my current Chase Mortgage loan with what I thought was a HARP loan through Chase to lower my interest rate. I asked several times and was informed there would be no fees attached to this loan. My balance at the time was $ XXXX it is now at $ XXXX. I did not anticipate $ XXXX plus in fees. At closing there was also a {$1000.00} amount that said " if the borrower agrees '' however if I did n't agree they said the loan would not fund. I this really a HARP loan or just a regular refi?
Month after month I loose connection between XXXX and my Checking account. Past 3 months I have to call in 3-4 times make complaints about it not working and a week later its suddenly working. Its horrible to not be able to use the function. I have made several calls during XX/XX/XXXX when it was not working then it was working. It failed in XX/XX/XXXX I called then TD fixed it after several calls. In XX/XX/XXXX it failed I called several times then TD fixed it. And here we are in XX/XX/2018 several calls and its still not working, ,.. This is ashamed the tech support department runs me around like crazy talking to people who have no idea. No personal attention or real technical knowledge is ever involved..
Upon review of my credit report I noticed XXXX XXXX XXXX XXXX reporting an alleged debt. I searched the Texas Secretary of State 's website to verify they are bonded and legally able to collect a debt in Texas, for which they are not. I conducted my search by name and address ; the address search yielded the registered and bonded company name of XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX was not listed as a registered dba as required by the secretary of state.  I sent a letter to XXXX  requesting they remove their reporting and cease their attempts of collecting this alleged debt, for they are operating against the Texas Finance Code for not meeting the bond requirements, and for misrepresenting their company and trying to collect monies under another name other then the true business name. XXXX did not honor my request, yet responded by sending a statement.
XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
XX/XX/2018 the amount {$1400.00} I sent a dispute through XXXX XXXX
On XX/XX/XXXX I went into the car dealership ( Larry H Miller Group of Companies specifically XXXX XXXX XXXX XXXX of XXXX, Arizona ) to inquire about purchasing a vehicle. I worked with XXXX XXXX and was denied due to not having any established credit history but was told that XXXX would " look around '' to see if anyone would loan me the money to purchase a vehicle ( XXXX XXXX XXXX ) On Sunday XX/XX/XXXX, XXXX called me back and informed me that he found a bank that would accept me as a borrower and I needed to go to the dealership to sign paperwork. Me and XXXX discussed how much I would be able to afford per month and I informed XXXX that I would like to spend around {$300.00} per month and XXXX indicated the only way I'd be able to get the car would be to pay {$450.00} a month which I informed XXXX that I couldn't really afford that cost but I needed a car so I agreed. At the time I was unaware the borrow was through the dealership itself. I feel like I was a victim to predatory lending as I felt pressured to come to the dealership because I was informed that I would not have been able to get a loan from anywhere else because of my lack of credit history. I was given a loan with a 20 % interest rate with a 72 month term from XXXX XXXX through the dealership ( XXXX XXXX XXXX XXXX XXXX ). I borrowed the amount of {$18000.00}. During this purchasing agreement, I was also sold a Total Care Auto warranty ( Guarantee Auto Protection ) for {$790.00}, which I feel like I was taken advantage of based on my race, age, lack of experience purchasing a vehicle and was sold on a product when they knew I was being charged at such a high-interest rate that they could take advantage of me.
In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership anything with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until XX/XX/XXXX and even then, only put it on 2 bureaus XXXX had no dispute marks on it. resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has also filed a suit against me, without providing any validation or verification that has been requested for over 5 months prior. XXXX XXXX actions have caused adverse actions on my life, I was passed up for 2 separate positions due to the status on my report and not having the dispute marked on the credit bureau. 

Please Help me..
I have a loan  with DITECH.  I applied for a loan modification  XXXX   XXXX . I was approved for a trial modification in  XXXX   XXXX . I had to comple te four ( 4 ) t rial payments by  XXXX   XXXX . I completed my trial payments in  XXXX   XXXX  bu t DITECH has not sent me anything in writing regarding the approval of my loan modification. I was advised by my account rep to continue to make the trial payments because the modification docs are not " ready '' ; however, I have not received any documents or anything in writing from DITECH assuring me that my modification has been approved. Even though the trial period is over DITECH continues to report negatively to the credit bureau they also continue to do collection calls and I have to keep reminding the DITECH representative that I 'M IN A MODIFICATION PROCESS. But it always seems like no one knows the status of my loan modification, and they refuse to put anything in writing! ... its like they are waiting to send me to foreclosure. Why is it that they do n't have to put anything in writing during this process? I 'm just trying to keep my home but it seems like my lender has no interest in helping me do that. Please let me know what I can do to get something in writing from DITECH regarding my modification status
I am writing today in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark retracted. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
This may not fit under your " Credit Card '' category, but several months ago I purchased tennis shoes from XXXX XXXX and paid by credit card. During the process of check out I was asked if I wanted to sign up for the XXXX royalty card, and I said that I would. The cashier than began to tap through several menu options that appeared on the credit card machine that I was unable to read. A week or two later I began to receive charges on my credit card statement for a XXXX XXXX subscription, that at NO TIME during the checkout procedures was I asked about, let along agreed to. I believe the cashier must have clicked accept on my behalf without my knowledge during the checkout. I have searched online and have seen this happen at other stores as well. I believe XXXX XXXX may have a passive policy in place encouraging this type of behavior, perhaps other retailers as well. I think the CFPB should advocate for legislation, or develop a regulation, that would equate this type of behavior, signing customers up for unwanted products at checkout without their knowledge, to identity theft.
I purchased a mobile home in 2000 from XXXX XXXX XXXX in XXXX al.i was told by the salesman that I was approved for a use office trailer for XXXX I had several option 15, 20, 30 years and so I took the higher payment so I can pay off in 20yrs and now ditech say I have 13 more years to pay ... .and my balance is still XXXX..I just need some advice on do I need to contact a lawyer, and they call everyday every hour if the day ... I don't know what to do ... .the house need repairs but can't make repairs..
I am a customer of Wells Fargo 's. Several fraudulent charges were made on my checking account at locations across the country. They erased the charges ' existence, only gave me a fraction of my money back and will not even explain what is going on.
I have informed Trans Union of my case of Identity Fraud. It is your companies responsible to publish accurate information. I understand that i have to contract each company I have done so. Now I am Demanding Trans Union to follow the FCRA and publish accurate information.If I am informing your company of the issue of Identity Fraud it is your responsible to investigate the Furnished information. Inquires remain on your credit if I authorize the company or employer to view my credit with my consent in this case I DID NOT AUTHORIZE THE COMPANIES LISTED.I will be seeking advise from my ATTORNEY GENERAL. On this matter if its not resolved XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016