WillisBack/dataset-financial-user-claim huggingface dataset:
I was at a place of business requesting parts for my car to be ordered. At that place of business the local police had towed my car and kept my car at a tow service lot. I will leave out the reasons for this moment. If any pending legal matters. I did not find out that my car was towed and brought to a tow service yard until 27 days after it had been towed. I had called the tow service and the man had refused to speak to me on the phone. He had stated that I had to go there with a photo ID. I tried explaining to him that I had lost my wallet and had no photo ID. I then call the financing bank that I had the car loan with. They tell me that they had repossessed my car after 20 days of being at the tow service lot. What boggles my mind is how did someone find out the financing bank. Also what boggles my mind even more is that I had this car loan on Automatic Payment drafted from my checking account one per month. I was not struggling with any payments. The monthly payment was only {$270.00} a month. So I do not understand why my car was repossessed at all. My automatic payment was always sent on the same day for the same amount. I also keep full covered auto insurance. They never gave me an answer
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX. I requested a validation on XX/XX/2018 as this medical account has been added to my credit report despite being covered under medicaid and no response was received. A 2nd validation request was sent out on XX/XX/2018 to which I also have not received a response nor has my credit report been updated to reflect that I am disputing this account. Based on their failure to validate this account adequately I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
I am receiving numerous robocalls daily asking for a person who is not known to me. I have received 31 calls in the last 20 days ranging between XXXX and XXXX. It is very annoying. The caller ID shows Navient at XXXX which I believe is a debt collector. The calls are recorded messages. 

I wish this to stop.
I reported to  XXXX  an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get   XXXX   to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since   XXXX   has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.
XXXX XXXX is charging on an account I do n't have, I 've never had XXXX XXXX before. Apparently this service is in XXXX, Texas, I 'm already in collections for something I do n't have and never had. I called XXXX XXXX and they do n't have my last four numbers of my Social Security.
I called Equifax to get my credit score, and they transfered me to three different people to sell me credit score products. They want to sell me multiple credit scores from different models that may or may not be the score used by my potential lenders, and are purposefully vague to force me to buy as many of their products as possible. I hope my conversations were taped, because anyone listening would clearly see how Equifax is unfair to consumers who are trying to help themselves through difficult times, and are more interested in taking our money than helping. A potential lending told me my ability to get a loan is based on my credit score ( NOT MY CREDIT REPORT ), which I understand comes from the detail in my credit report. However, even though I have a copy of my credit report, I have zero understanding and ability to convert the report detail into a credit score ( s ) that can help me see the score ( s ) that potential lenders see. I am left unable to make good financial decisions. I am absolutely being held hostage. I am being forced to apply for a loan which negatively impacts my credit score, to then have the right to see my credit score that was used for my loan decision. THIS IS UNFAIR!!!!!
On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my XXXX  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

US Bankruptcy Court XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.
Account Resolution Services is claiming that i owe money to their collection agency. I have asked them dozens of times to verify that i owe this invoice but they can not produce an actual invoice or any form of proof that there is any invoices from the company that allegedly hired ARS to collect this money. I have also contacted that company as well and they claim that they do not have any record of my name in their system or any invoices ever due in my name. I have notified ARS of this several dozen times and also sent them a certified letter in regards to this matter, but ARS still refuses to provide any evidence of an invoice. Furhtermore, ARS also failed to comply with SEC.809 ( A ) that states that ARS has to mail me notice of debt within 5 days of initial contact. ARS is refusing to provide evidence or remove this from my credit report.
I was checking my credit report on XX/XX/XXXX there is a collection agency asking for payment of {$1600.00} for XXXX XXXX, I dont have a XXXX XXXX account never had one and this account is apparently opened in XXXX Tx I live in XXXX XXXX TX dont know anyone in XXXX. I contacted XXXX XXXX and filed a identity theft affidavit I also sent they a copy of my drivers license and bank statements for the months of XX/XX/XXXX thru XX/XX/XXXX I also filled a Federal Trade Commission identity Theft Report. I also put alerts on all the credit bureaus XXXX, XXXX, XXXX. I have very good credit and because this collection agency appeared on my credit report my score dropped 38 points i pay everything on time dont owe anything i want this off my credit Report ASAP.
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015
Navient has harassed me with 3 or more calls per day for months on end. I spoke with them and they did not have a repayment plan that I could afford. The minimum payment each month would not cover the interest that accrues each month. 

So I have begged them to give me some guidance on what to do. They have not helped me understand how my loans work and have refused to look up my past forbearance 's in order to give me a breakdown of how interest accrues on my account. I have gone on forbearance multiple times since graduating college. When I first went on forbearance I was told I was going on deferment, but they put me on forbearance. 

Every time they put me on forbearance it happens over the phone in a quick conversation without explaining how any of it works. 

The second or third time I went on forbearance I received a letter saying {$1700.00} had been added to the principle in interest - In one day, just because I agreed to forbearance. 

I have requested an explanation of how my interest has accrued over the past few years, because it is not easy to understand and is not transparent. I paid about {$8000.00} off my first two years out of college, but I think they applied all those payments to the interest free loans that I had so they could keep charging interest on the other ones. 

Last time I spoke with a Navient Representative he refused to look up any information regarding my past payments and interest accruements on my loans. He told me he would mail me a " Huge Document that explains everything '' but they never did. 

They harass their borrowers with 3-6 calls per day, every day, until they convince you to go on forbearance with no explanation of what that means.
in the last 60 days i have requested from EQuifax credit reporting agency a physical verification of consumer documents in their in their files of a CH XXXX Dismissed Bankruptcy that has been placed on my credit report i have ask them for a physical verification of how the this information was obtain well it be from third party source, i have not receive this information as of yet, this dispute falls under the fair credit reporting act section ( 609 ) i have a right to this information since it is on my credit report
1. Company name : XXXX on XX/XX/XXXX. I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from Transunion about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.
I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report b  y the   XXXX   XXXX   XXXX   on  XX/XX/XXXX . They (   XXXX   XXXX   XXXX   ) NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with   XXXX   XXXX   XXXX   management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.
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Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!
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  XXXX   XXXX   has now damaged my credit score and now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.
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This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on  XX/XX/XXXX , XX/XX/XXXX  ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my 47 years ever hit my credit with a HARD inquiry for a simple, few hundred dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at   XXXX   XXXX   XXXX   repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report month ( if not years ) down the road.
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So, as in my case, TWO hard inquiries were done on my card by   XXXX   XXXX   XXXX   within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.
firstly, I never remember taking out a non-federal loan with anyone while in XXXX schoolbut they said it is private so I guess I have to believe them. I have refinanced all of myfederal loans into one payment that I can afford. They started calling me about these and Ihad no idea what I would do. They worked with me at first and gave me low payment that I could afford then the servicer changed from XXXX to AES. The amount doubled and when I asked why they said something about interest and said next month would be lower it wasn't. The next month they called and said it was a temporary plan and this was my new amount. No one in customer service seems to know what they are talking about. I asked if I could refinance this in my federal loan since AES services federal loans and they said " no '' then I explained that I am paying my other loans and have a child and have had to take money from savings to pay the last 2 months. I can not continue to do this- I simply do not have the money and I work 2 jobs. If they can not do something to help me I will have no choice but default. Last year when I did not know I owed them they had a 3rd party  collection agency call me multiple times a day wanting to know when I would be making a payment. They really do not understand the concept you can't get blood out of a stone.
For several months, I can not transfer my Membership Rewards point to airline partner. I've called customer service but still no resolution to this problem.
XX/XX/XXXX Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of XXXX XXXX check XX/XX/XXXX. I was told by Transworld systems Inc and XXXX XXXX XXXX XXXX XXXX XXXX said they will offer a buy out in XX/XX/XXXX. I 've heard from them.
I called Transunion at XXXX on XX/XX/XXXX and Spoke with US Representative named XXXX. I phoned Transunion because between XX/XX/XXXX and XX/XX/XXXX and again between XX/XX/XXXX and XX/XX/XXXX TransUnion experienced a database computer glitch. When the glitch occurred it caused my inquires to be deleted from my report. The glitch was TransUnion 's problem, not mine. Later when checking my credit I noticed TransUnion illegally reinserted all of the inquires back onto my credit report without giving me the legally required written notice within five days prior to them reinserting the inquires. I contacted TransUnion in good faith and requested they delete the inquiries that had illegally been reinserted without proper written notification and in violation of FCRA. Not only did XXXX refuse to delete or even investigate, he instructed me to contact the creditors directly and have them write me an inquiry removal letter and then send it the TransUnion. The inquiries that have been illegally readded has caused a hardship and is making it difficult for me to get a pre approval for a home loan. My rights have been violated byTransUnion. Im filing this claim to beg for your help, please make TransUnion stop victimizing me and others.
The credit reporting agencies, have XXXX XXXX an Navient listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On XXXX, my Navient accounts are closed and wit no late payments. However, on XXXX, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.
MY EX HUSBAND AND I PURCHASED A HOME IN XXXX IN XXXX MAINE, FROM THE LENDER, BANK OF AMERICA. WE WERE BOTH XXXX AT THE TIME, XXXX  WITH OUR XXXX  CHILD AND HE HAD BEEN AT HIS JOB FOR JUST A FEW MONTHS. bANK OF AMERICA GAVE A MORTGAGE VERY QUICKLY, AND WE WERE PLEASED- ALTHOUGH WE WERE QUITE IGNORANT AT THE TIME ABOUT MORTGAGE RATES AND DEBT IN GENERAL. 

WE STRUGGLED GREATLY ALMOST FROM DAY 1- AS  THE MORTGAGE CRISIS SET UPON US , AND OIL  PRICES SKYROCKETED. WE FOUND THAT, AFTER THE BIRTH OF OUR XXXX CHILD, THE COST OF OUR MORTGAGE PAYMENT, OIL TO KEEP THE OLD HOUSE HEATED, AND CHILDCARE WAS FAR MORE THAN WE COULD HANDLE. 

WE ASKED FOR MODIFICATION, AND BANK OF AMERICA KINDLY SENT US THE PAPERWORK ( MORE THAN A FEW TIMES WE HAD TO REQUEST IT ), BUT EVERY TIME WE CALLED TO CHECK THE STATUS OF OUR REQUEST WE WERE FACED WITH CUSTOMER SERVICE REPS WHO DIDNT HAVE A CLUE ABOUT OUR MODIFICATION. WE CONTINUOUSLY HAD TO RE-EXPLAIN OUR SITUATION AND RE-FILL OUT DOCUMENTS FOR WHAT WAS A FRUITLESS ENDEAVOR. WE NEVER RECIEVED A MODIFICATION OR ANY OTHER CONTACT WITH REGARD TO HELPING US. 

IN XX/XX/XXXX WE MOVED OUT OF THE HOME. WE CALLED BANK OF AMERICA TO LET THEM KNOW. THEY FAILED TO SECURE THE PROPERTY AND SEVERAL PIPES BURST- CAUSING QUITE A LOT OF DAMAGE. THEY DIDN'T CONTACT US FOR ANYTHING MORE THAN REQUESTING PAYMENT -- WHICH WE ADVISED CONSISTENTLY THAT WE WERE NOT GOING TO BE ABLE TO MAKE. WE BEGGED THEM TO FORECLOSE SO WE COULD MOVE ON. THEY DID NOT. 

IN XX/XX/XXXX MY HUSBAND AND I DIVORCED- I MOVED BACK INTO THE HOME WITH THE CHILDREN- HAVING NO WHERE ELSE TO GO AT THAT POINT IN MY LIFE. I WAS FORTUNATE TO HAVE A FRIEND WHO DID FREE WORK TO REPAIR THE BROKEN PIPES. MY CHILDREN AND BASICALLY SQUATTED IN THE HOME WITH NO RUNNING WATER OR HEAT ALL THROUGH THE SUMMER OF XX/XX/XXXX. THROUGHOUT THIS TIME FRAME I WAITED FOR THE BANK TO ASK ME TO LEAVE- BUT THEY NEVER DID. I WOULD CALL AND ASK THEM TO PLEASE JUST TAKE THE HOUSE, BUT NOONE WOULD HELP. 

AFTER STRUGGLING TO KEEP THE HEAT GOING THROUGH THE WINTER OF XX/XX/XXXX, I FINALLY MOVED OUT FOR GOOD. ONCE AGAIN I CALLED THE BANK EVERY FEW MONTHS TO TRY AND FIGURE OUT THEIR INTENTIONS. THEY BEGAN FORECLOSURE PROCEEDINGS A COUPLE OF TIMES, BUT NEVER FOLLOWED THROUGH, DESPITE MY CALLS AND PLEADINGS TO ESCALATE THE SITUATION, FORECLOSE!, ANYTHING! 

IT IS NOW XX/XX/XXXX- 8YEARS AFTER WE FIRST BEGAN ASKING BANK OF AMERICA FOR HELP- FOR EXPEDITION- FOR ANYTHING- AND THIS HOUSE STILL SITS ABANDONED WHERE WE LEFT IT. iT IS IMPROPERLY SECURED- AND ACCESSIBLE TO ANYONE WHO MIGHT WANT TO GO IN. THE MORTGAGE WAS TRANSFERRED TO THE SERVICER XXXX AT SOME POINT IN XX/XX/XXXX I BELIEVE. THEY HAVE BEEN JUST AS UNHELPFUL AS BOA WAS. 

MY COMPLAINT IS THAT THE BANK HAS NOT FORECLOSUED ON THIS PROPERTY IN A TIMELY FASHION. THIS SITUATION COULD HAVE BEEN RESOLVED, AND OFF OF MY CREDIT REPORT BY NOW- BUT STILL IT SITS, RUINING MY CHANCES OF RECOVERING FROM THIS TERRIBLE PART OF MY LIFE. 

XXXX XXXX STILL CALLS ME DAILY! THEY TELL ME I'M LATE ON MY PAYMENTS ...
I am an international student at XXXX XXXX University. XXXX, VA. I came in XXXX XXXX for the first time in USA. I and my other friends are also having same background as international students since Fall XXXX. We all are maintaining the salary account with Bank of America, XXXX XXXX XXXX, XXXX, VA-XXXX. My all friends are given credit card for {$1000.00} and I am given for only {$900.00}. 

To increase my credit limit from {$900.00} to {$1000.00} and for actual reason for such injustice, I wasted whole days over the pathetic service of credit card helpline number XXXX XXXX XXXX and XXXX XXXX XXXX & also approached to the XXXX XXXX relationship XXXX XXXX but no proper answer is given and my credit limit is not increased. 

I am issued a credit card with lesser amount but actually I should be issued with atleast {$1000.00} as I have never made any late payments or any other credit-score harming activity. 

Bank of America. asked me to contact to XXXX and deal with them but I do n't think I have to approach to XXXX, who is XXXX for me, it is nothing, I have nothing to do with their business partners. I am customer of Bank of America so I am suppose to approach to Bank of America only for such injustice and discrimination. Despite of my several calls I am not even given the email address for filing a proper complaint and branch representative said me that he has nothing to do with credit card and he escaped this way and sent me the credit card department phone number and then did not reply to my any further email. 

Then also I have the filed few complaints and their numbers are XXXX at XXXX pm and another XXXX at XXXX pm specific standard times dated XXXX/XXXX/XXXX. But their approach seem for discarding of these complaints as they want me to either decrease my credit score by re application or to approach to their business partner XXXX. 

Additionally. I was said that though it may be fault from the bank you need to re-request for credit-limit-hike from {$900.00} to {$1000.00}, and in such scenario your credit score will be again run and it will be decreased. So they want me to decrease my credit score on their fault.
I HAVE WAITED XXXX MONTHS TO RECEIVE MY REWARDS FROM XXXX BANK AND HAVE COMPLAINED TO THE CFPB AND BBB .I RECEIVED A LETTER FROM XXXX XXXX PRES. OF BANK THAT I WOULD RECEIVE MY REWARDS WHEN MY STATEMENT PERIOD CLOSED XXXX XXXX. I SPOKE TO A CLERK AT THE BANK, XXXX, WHO TOLD ME THE REWARDS WOULD BE POSTED TO MY ACCT.ON XXXX. I CALLED THE BANKTHIS MORNING AND THEY TOLD ME I HAVETO WAIT AN ADDITIONAL XXXX WEEKS.