WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a new Nissan Juke on XX/XX/XXXX from XXXX XXXX in XXXX XXXX, MD. I traded-in my XXXX Nissan Versa for {$7000.00} and arranged for financing through the dealer. My credit score was XXXX. I owed final payment of {$180.00} to Nissan Financing, the Versa lean holder, that I paid directly to XXXX XXXX in my contract. 

The loan officer neglected to process the purchase and financing contract for my new Juke unbeknownst to me. I received a phone call from the financing manager of XXXX XXXX in XX/XX/XXXX. He told me that I needed to provide financing for for the car I purchased six weeks before on XX/XX/XXXX. Additionally, they said that we needed to sign a new purchase contract and that I must come to the dealer immediately. I told that since it was their error they must meet me at my convenience and they agreed. 

They told me that the finance representative, who had been fired, did not process my purchase contract and loan. Expeditiously, I arranged for financing through XXXX XXXX at a rate of 3.47 % and provided payment for my Juke to XXXX. The loan arranged with XXXX on XX/XX/XXXX through dealer financing was 2.24 %. Their negligence cost me money. 

The finance manager came to my home in XXXX, MD from XXXX XXXX, MD on Friday night at XXXX to complete the purchase paperwork, which also had to be redone for no clear reason. The paperwork was profiled and backdated to show a date of XX/XX/XXXX. It was already XX/XX/XXXX. I was told that " it had to be this way and to sign. '' The finance manager and other members of the department were also subsequently fired. There may have been grave departmental issues in the finance department at this dealer. 

XXXX XXXX did not process my Versa pay off with Nissan Motor Acceptance Corp financing until XX/XX/XXXX. As a result of the delayed processing, I am showing 60 days late on my credit report from Nissan for non-payment. I discovered this when I applied for a mortgage to purchase a new home. My credit score is now XXXX. My home loan officer told me that there is preferred financing rates had my credit been higher, in fact XXXX or above! I have not had any derogatory items since the XXXX issue. I do not keep a balance on any revolving debts. 

I wrote an email to the finance manager via XXXX 's webpage Contact Us section on XX/XX/XXXX. My email went unanswered. I went to the dealer in XX/XX/XXXX to resolve this issue with them directly. They have dragged their feet and disregarded my concerns so I am contacting the CFPB. I can provide additional details for this complaint including copies of the original and duplicated purchase contracts, both financing contracts, and the Versa pay off notice. Please contact as soon as possible. 

My spouse helped me write this email. I am XXXX and my English is not strong enough for communicating a complex issue like this one, however I am quite capable in everyday English conversations. I now understand that one of forms I signed said that I would continue to make payments on my Versa loan. I did not understand that at the time since complex contracts and fast talking sales people are problematic for non native speakers.
This is a vehicle that was purchased under the company credit not my personal credit it should be moved to XXXX XXXX XXXX XXXX XXXX
Approximately XX/XX/XXXX an American Express account was fraudulently opened in my name. Approximately XX/XX/XXXX I filed FTC Identity Theft Report and XXXX XXXX Sheriff Identity Theft Report. Both reports were sent to American Express and all 3 credit bureaus ( XXXX, XXXX, XXXX ). The  fraudulent account was investigated and removed from all 3 credit bureaus. However American Express has refused to recognize the fraudulent account in my name as identity theft. I have been receiving multiple debt collection phone calls & corresspondence for the fraudulent Amex account.
through my own investigation I found the Original Debt is from XXXX claiming I had a balance due of {$1300.00} not covered by my medical insurance from my child 's hospitalization on XX/XX/XXXX. I am Still disputing billing practices by the hospital and medical coverage. 

The debt collector RMB INC not only has failed to respond to certified DEBT VERIFICATION requests. They have changed the activity date to " re-age '' the account. The latest date list the account active as of XX/XX/XXXX. I have only communicated with RMB INC once when I sent a debt verification request. I have not had any other communication with the original creditor or debt collector since XXXX. 

in reference to the debt verification RMB INC has not provided me with a response for the following requested information : 1. What the money they say I owe is for ; 2. Explain and show me how they calculated what they say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Prove that they are in the same State and County where this allege debt was incurred ; 8. Show me that they are licensed to collect in my state ; 9. Provide me their license numbers and Registered Agent. 
These questions should be answered also : 10. Who is the current owner of this alleged debt? 
11. Who is the original creditor for this alleged debt? 
12. If RMB INC is the current owner : a. When was it purchased? 
b. Who was it purchased from? 
13. Have you assigned the alleged debt to another entity for collection? If so, who? 
14. If B INC has sold or otherwise transferred this alleged debt, to whom was it sold and when? 
15. Proof of last day of activity
When my lease was up with American Honda I received the bill which I tried to resolve since some discrepancies came up. I got the run around then I finally set up payment that they should pull out the amount out of my bank account they failed to do that. I kept calling to get this resolved I kept getting the run around until they finally completed the withdrawal months later. This has been detrimental to me since it postponed the payment by almost a year.
Dear XXXX, i received a copy of my credit report which showed Inquiries & inquiries i didnt not authorize. You have been reporting inaccurate information on my credit for sometime now. I have contacted FTC and filed a complaint, contacted the state attorneys office and filed legal documents in defense of my credit being used without my consent. You are liable for all the damage thats has been caused with the inaccuracies I have found on my credit report and will pay the consequences once the investigators are done investigating this situation on credit fraud. I have been advised by my lawyer not to contact you or any contact what so ever. This is was my final warning and goodwill letter of dispute and affidavit to remove the inaccurate information you place on my credit file. I understand and I am aware that you should not put an inquiry on my file unless i have approved it, gave you any consent which I didnt. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. This has been my 10th time contacting your department, Ive sent in the certified letters and information but the creditor and credit bureaus continue to ignore my request. Youve violated me and my rights. 

List fraudulent inquiries & accounts : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX 15.  XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX
1. In XXXX I scheduled an online bill payment on my Homebridge Mtg loan through XXXX. 
2. On the same day in XXXX I also scheduled automatic payments to be sent each month from XXXX to Homebridge. 
3. Because of scheduling two payments in one day XXXX cancelled the first payment to avoid a duplicate payment. This should not have happened because I had the payment dates correct to avoid a duplicate payment. 
4. Homebridge did not get a XXXX payment as a result. My XXXX pmt was applied to XXXX, XXXX was applied to XXXX, making both of those months 30+ days late. 
5. Homebridge did not properly notify me of the error therefore I was not able to resolve. 
6. XXXX notified me that the loan was past due and I called in immediately and made the extra payment. 
7. I log into my Homebridge account every month to check on my payments and my account shows a SMILEY FACE and says YOUR LOAN IS CURRENT. 
8. This deceptive online account status prevented me from being aware there was any problem. As a result my credit score has dropped over XXXX pts.
CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

Thank you
Fair Collections & Outsourcing is reporting an expired debt on my credit files. Also, the original creditor, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, no longer owns the property or the debt. 
Moreover, the original lease agreement is not signed by an authorized agent for the LLC. 
The Ledger shows that the Date of First Delinquency commenced XX/XX/2011 and continued each month until eviction was filed and writ was executed. Also, the ledger shows that a Late Fee of {$45.00} was charged the same months. 
According to the credit bureaus, the XXXX XXXX XXXX XXXX, XXXX, the original creditor, gave Fair Collections and Outsourcing the authority to handle this matter and the date of first delinquency. However, since, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, and does not own the property or the debt. I am stuck with no option but to seek recourse through the XXXX XXXX XXXX. 

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On  XXXX   XXXX ,   XXXX   017 I  mailed dispute letters along with documents of proof to all  XXXX  credit bureaus,  XXXX ,  XXXX , and  XXXX  regarding  XXXX  collection accounts from Columbia Collections that did not belong to me. On  XXXX   XXXX     2017, I re ceived a letter from  XXXX  ( via mail ) and  XXXX  ( via email/online ) that they resulted in having  XXXX  of  XXXX  collection accounts removed from my credit report. Now mind you, these  XXXX  collection accounts belong to the same person  (    XXXX   ) and the actual person entitled to pay all  XXXX  debts is the same as well and only  XXXX  of the lesser debts were removed. I 've provided legal documents for my dispute, stating I am not entitled to any of these debts because the minor was not in my care at the time.     I 've contacted the collection agency , Columbia Collections , and they stated that I am entitled to pay by law ( If that 's the case why were  XXXX  of the  XXXX  accounts closed ), that they did n't know why the credit bureau is stating  XXXX  of the  XXXX  accounts are closed because it 's showing on their end that I still have all  XXXX  accounts still open and we would have to talk to a lawyer ( but I have a court order stating I am not entitled to pay those debts ). Therefore, the results is that they will not rid my information from any of the collection accounts.     So then I contacted   XXXX   regarding my conversation wit h Columbia collec tions and they stated that the collection company did indeed inform them they delete  XXXX  collection accounts and the  XXXX  one, they were claiming was " accurate ''. I even spoke with a   XXXX   supervisor and he said the same thing and they can not remove anything off of my credit file if the collection agency is claiming they have " accurate '' information and that I would have to deal with the collection agency and get a letter from them stating the  XXXX  collection account is deleted so they can remove it from my credit file or file a complaint with Consumer Financial Protection Bureau.     All in all, My social security was fraudulently and illegally used in the first place by someone who is not entitled to, and Now  XXXX   XXXX  will not remove my information from these debts or the  XXXX  debt and is illegally attaching my name to something I am not legally entitled to pay for.
I called US Bank, for my XXXX mastercard, to try and get a credit line increase on XX/XX/XXXX ( to raise my credit score - as im soon to be refinancing my house ). They stated there may be a hard inquiry on my credit score, to which I responded " I do not authorize that '', and which the customer service representative replied " ok ''. 3 days later ( on XX/XX/XXXX ), a hard inquiry showed up on my report. I called to ask them to remove it, as I did not authorize it, and they claimed I did the request online, and that I did authorize it, even though the conversation was recorded. I explicitly said that I did not authorize it. I would like this hard inquiry removed please.
I have a checking account with Bank of America and i realize a fraudulent activities has been going on at the hours i 'm at work which cost me a lot of problem, like missing my Creditcard payment, Auto Insurance payment and my rent. I called the bank and told them all that was going on and the provided me with a temporary credit. Bank promised of carrying out investigations over the transactions, only for them to say my claim is closed and investigation is completed, telling they see i was the XXXX authorizing the transactions.I ask how would i be so stupid to spend my money and still come back to the bank and claim something that i spent.I went in to the bank on XXXX/XXXX/2016. I had a word with the Relationship Manager in the name of XXXX. He put me on the phone with the claims department once again and they said they will reconsider the investigation. Letters from the bank came through the mail with the same line they used " We completed the investigation and we realize the transaction were authorized by you, So therefore, all the credits that was provided will be debited off my account. As at today XXXX/XXXX/2016 at XXXX I checked my account balance via mobile banking and i see a negative balance of ( $ XXXX ) and this is unacceptable. Imagine a bank representative asking me if i want them to prosecute the person using my card ... I replied with a yes and i should n't tell them to do that. I believe they should know better. So please i need my money bank and i need to clear off the negative balance in my account. Help me
I have tried to find the culprit who has made the phone account after I had attempted to call them about it. They said it was made in 2015 but I have not made an account for verizon. My phone at the time was a pay by use type of phone, no contract. The company was XXXX. So when I could not find who could have done this I tried to dispute it online but that did not work. I had received a bill yesterday asking me to pay half of the cost of the collection but I do not see a reason to pay something that I did not make in the first place. I am a service member and I would like to end this as soon as possible that way my home buying wo n't attempts wo n't be jeopardize because of this collection.
Its a dispute in the amount of XXXX. The company I purchased services from hasnt lived up to their end of the bargin. They provided outdated info and didnt provide a specific discount with XXXX that was promised. I contacted Capital One and opened a dispute. They issued 2 temporary credits. I sent in the requested documents Immediately then they said I failed to send in an expert opinion they requested so they closed the dispute. They never asked me for an expert opinion and are refusing to reopen the case even after I gave them info that XXXX XXXX  is deceptive .CAPITAL ONE HAD NO RIGHT TO STONEWALL ME .THEY PROVIDED NO ASSISTANCE.
This would be my response to Northern Trust based on further documentation provided by Northern Trust in response to Consumer Finance Protection Bureau case # XXXX filed by myself XXXX, which was closed, in relation to my ability to perform an accurate accounting of my father 's estate performed by Northern Trust XXXX XXXX XXXX with XXXX XXXX as the executor.
The homeowner has been trying to get a loan modification since XX/XX/XXXX. During this time Washington Mutual stated that the application was lost, re-apply. During the period of XX/XX/XXXX WaMu was acquired by XXXX XXXX XXXX XXXX XXXX. I have applied 4 times since with JP Morgan Chase only to be denied : without an explanation for the denial. 

On XX/XX/XXXX A notice of foreclosure was filed during a loan modification application, which began dual tracking against the homeowner. 

On XX/XX/XXXX a Lawsuit was filed against WAMU and JP Morgan Chase for Recession. A award was given for the amount of {$90000.00} and No loan amount further owed. 

On XX/XX/XXXX a decision was granted to homeowner for Rescission in favor of the homeowner. Case number : XXXX vrs JP Morgan Chase XXXX- XXXX. The Recission award was for {$90000.00} dollars. To this date I have not seen any account, nor was monies not received on behalf of homeowner. 

On XX/XX/XXXX the Court dismissed the above case without prejudice. I have not received any monies thus far. 

According to JP Morgan Chase the Principle Reduction was paid to MERS account # XXXX : the homeowner is not aware whos account this is? 

The 1st Statement of Foreclosure was sent to homeowner of XX/XX/XXXX. 
The second Statement of Foreclosure was sent XX/XX/XXXX. 
homeowners statement shows {$24000.00}. as of XX/XX/XXXX. 
Chase Bank has assigned a new processor : effective XX/XX/XXXX to XXXX " XXXX '' XXXX  XXXX. The XX/XX/XXXX will discriminate against the homeowner as will not begin ( this mannover is typical of shorting SMS client to advance foreclosue, and discriminates against the homeowner. The mortgage review and or new modification process : shorting the process by 2 weeks. 

The homeowner has a XXXX XXXX XXXX and show strong evidence that the following possible violations exist : 1. Broken chain of title.

2. No just standing 3. Gross fragmentation of the note to XXXX XXXX. 
The home owners XXXX audit produced in XX/XX/XXXX also show strong known robo signer participation in MERS documents and more. 
The Homeowner alleges the following investor, Master Trustee and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : : XXXX XXXX XXXX XXXX XXXX
I want to know how a deed was transferred from myself to XXXX XXXX XXXX XXXX XXXX, when wells fargo was the lender.
The account was cancelled due to past due on a few occasions .I was able to catch up paid it up to date including all past late fees. Seems that they waited to get the late fees before canceling the account.
I was trying to pay my XXXX XXXX Store Credit Card bill this morning and I noticed a {$220.00} fee I did not make onto my account. The purchase was made on XX/XX/2018. I have not used my Credit Card in months and I need to know how my credit card was used.
Wells Fargo is doing the same thing that XXXX did. They are charging overdraft fees without consent. I also believe that they try to make a person have an overdraft fee on purpose just so that they can charge the overdraft fee. I go by my available balance and sometimes my available balance is n't right which causes the issues.
I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
First contact was made on  X/XX/17    gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on  X/XX/17   ,  X/XX/17   , and  X/XX/17
This company is not following XXXX rules about how delinquent an account is before charging off a loan. They continue to misreporte a loan I have with them as not actually being a delinquent as it is to avoid taking the loan off their books and therefore running up the interest I owe them. I would like to work something out with them also but they refuse to put any correspondence in writing.
I purchased an item on XXXX XX/XX/2018 for {$200.00} The item description stated that the item worked even without a specific part. It did not work without the part. I showed that it did not work with out the part and the seller agreed that I was correct ; that it didn't work without the part.

I went to Paypal for a remedy because the seller would not agree to return the product for me. I showed PayPal the evidence : 1. Seller description stated that the product worked without the missing part.

2. It did not work without the missing part 3. That the seller agreed in writing that it did not work without the part.

PAYPAL is in VIOLATION of their USER AGREEMENT by then stating that they could not uphold due to the description being accurate.

Obviously they just ignored everything that was sent to them and hoped it would go away.
You have a link to TransUnion 's 'credit freeze ' page. They recently changed it to push people into their credit monitoring service and it 's now incredibily difficult to find the credit freeze link.
Equifax engaged in lax security practices and, as a result, my credit information was revealed to hackers. Now I need to take highly inconvenient protective steps to safeguard my security. This is an unnecessary distraction and highly troubling, particularly as I am seeking credit now for the purchase of a primary residence.