WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for an online loan through tower loan on XX/XX/2018. I was told I was not approved for the amount requested ( XXXX ) but I did qualify for XXXX and could go into the loan office if I still wanted the loan. I signed my paperwork, received my loan funds and left on XX/XX/XXXX. 

Now, I show 2 credit inquiries for tower loan on the same date, XX/XX/2018. I have requested they remove 1 of the inquires as it was for the same loan, on the same day, with the same company. I did not apply for 2 loans. I did not authorize anyone to run my credit twice.The manager of the XXXX, AL branch called me this morning to let me know Towers home office and her supervisor XXXX are not going to remove either of the inquiries. Any finance company should not be allowed to run 2 hard inquiries on the same day for the same loan. I only have 1 loan and have only ever had 1 loan with Tower.  There should NOT be 2 Hard inquiries and I want 1 of them removed. It is on my XXXX XXXX. I have tried to handle through Tower to no avail. Please help.
In addition to repeated calls while I was at work, CPS contacted several friends and colleagues. They identified themselves as a debt collector and identified the specific debt they were trying to collect, asked for my address and who my employer was ( information they already have ).
TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.
After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These companies are reporting fraudulent information that is not mine. 

11 XXXX XXXX account number XXXX, 11 XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, Below are a list of companies who have made inquires on my account that I have had no knowledge of or have I authorized these charges. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX Below are addresses I have never lived or associated myself with ever. Please remove these inaccurate addresses. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Car dealer in XXXX created predatory loan, accepted the bad credit of the purchaser to cosign and co-buy the car, while original purchaser was denied loan due to poor credit, that same person was then allowed to cosign for the vehicle. I was under the impression that I was cosigning for the vehicle because I had more stability and better credit. The dealer allowed a XXXX old XXXX  XXXX with only partime employment to cosign. That person was told that credit would build based off of the purchase and car could be refinanced in original purchaser name after 6 months refinance later denied. That person gave trade vehicle not sure if value was added or deducted from the loan. I recently received statement saying payoff roughly $ XXXX less after first attempt calling out the loan terms. The original purchsaser took full responsibility for the car as would primary buyer, car was totaled X/2016. XXXX XXXX allowed only liability on the vehicle did n't require full coverage on financed vehicle of a risk loan. XXXX XXXX threatened to reposses the vehicle, if payments were n't made, no assistance only demand of payment. Car dealer finance mgr admitted to using the bad credit of original car shopper to determine finance charges it is 14.99 %. 
My credit has been severly adversely effected. I was charged a higher interest rate when processing to buy a home as a result. I had good credit and already had new financed vehicle that I am paying for. I did n't intend to purchase a 2nd vehicle the dealership was misleading when speaking to the original shopper about the vehicle she was only XXXX old at the time. 

I am now receieving notices of a payoff amt and it does n't include any info about the co-buyer. Therefore I assume this as I am being totally held responsible for the remaining balance This was predatory loan taking advantage of young shoppers. We were vulnerable and unaware of deceptive practices until I had a older family member thoroughly review the contract. 

XXXX XXXX of XXXX XXXX XXXX Capital 1
I had accrued medical bills from a trip to the emergency room which ended up being transferred to the collection agency listed here : BCA FINANCIAL SERVICES,XXXX. Contact Information : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX, ( XXXX ) XXXX. When i contacted this company to pay my debts they assured me that paying them in full would result in them fully absolving the debt along with removing the delinquencies from my credit report and marking them as paid on time. The derogatory marks remain on my credit report and continue to hurt my credit. I would very much appreciate any action that can be taken to get the company to honor their agreement.
Years ago, I think XXXX, I saw on a credit report that and old credit card debt from XXXX was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX that there was a Judgment Lien on my credit report. NCO Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to NCO who then tried to collect on an expired debt. I looked up NCO on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by NCO. Now I found out NCO sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year.
Goldman Sachs failed to respond to CFPB complaintXXXX which Goldman Sachs raised additional questions in previous responses. NOTE : the below questions are the same questions we have already requested earlier this year which were not answered by Goldman Sachs. If Goldman Sachs answers these remaining questions honestly, we will cease and desist all complaints against Goldman Sachs. If Goldman Sachs fails to answer these questions, we will continue to file additional complaints until these questions are answered! Furthermore ; complaints against Goldman Sachs will be posted on the internet for all consumers to view which will not look good for Goldman Sachs!
NOTE, failure to address complaints may be a violation of federal and state laws! First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XXXX XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in GSR Mortgage Loan trusXXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! Please respond to our questions accurately and provide documentation so we can resolve this matter. NOTE : forwarding this complaint to the servicer, XXXX XXXX XXXX will cause additional complaints to be filed against Goldman Sachs! These complaints do in fact pertain to our note and deed of trust which reflects how the servicer has failed to act in good faith which has violated our laws. With this being said, these questions are warranted due to the fraud and bad business practices that has occurred. Thank you for your time
I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. EXPERIAN refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request the PUBLIC RECORD account - XXXX XXXX XXXX - XXXX be deleted immediately and no further action taken in regards to this account. This item was already previously deleted from my credit profile due to identity theft and the company is attemopting to reinsert this account in any way possible. This account should be removed immediately and it is still reporting.
I obtained a personal installment loan from One Main in the amount of {$5000.00} about a year ago. On the evening of XX/XX/XXXX, I  was contacted by a loan representative located in the XXXX XXXX   Branch office. The loan representative failed to identify herself. 

I was contacted by a representative who was calling to collect my XX/XX/XXXX loan payment. I explained to the loan representative I would be making my payment on XX/XX/XXXX, because I was at work and in a meeting. 

The loan representative insisted I pay immediately the month of XX/XX/XXXX and for the month of XX/XX/XXXX which was not due yet. The month of XX/XX/XXXX, was not due yet and has a 15 day grace period to pay. 

I explained to the representative I was not going to pay for XX/XX/XXXX because it was not due yet. Further, I again explained I would be making my XX/XX/XXXX payment on XX/XX/XXXX. 

The loan representative then handed the phone to Branch Manager XXXX XXXX XXXX. XXXX XXXX demanded I explain to her why I was late making my loan payment. 
I responded I would be making my loan payment on XX/XX/XXXX, and I did not have to explain why I was making my payment on that day. 

XXXX XXXX then proceeded to threaten, intimidate, and scare me with legal action. 
XXXX XXXX insisted I pay for my loan payment of XX/XX/XXXX which was not due yet. 

XXXX XXXX threats in attempting to collect a debt are illegal, unethical, abusive harassment and prohibited by the Fair Debt Collection Practices Act as stated by the Federal Trade Commission. 

Branch Manager XXXX XXXX XXXX and her associates intentionally practice unethical business practices, by threatening and intimidating loan customers when collecting late loan payments. These illegal collection practice using threats and intimidation to place loan customers in fear to pay is illegal and must be stopped.
XXXX XXXX XXXX  was a company that provided sub-prime auto loans in Illinois and several other States. During the years of XX/XX/XXXX to and through XX/XX/XXXX they engaged in deceptive, fraudulent and illegal debt collection practices as they preyed upon unwitting previous customers. XXXX XXXX XXXX through the use of XXXX XXXX XXXX XXXX and XXXX XXXX ( Honor Finances General Counsel ) engaged in the practice of debt collection, on XXXX XXXX XXXX behalf, without being licensed to do so. The actions of XXXX XXXX XXXX  ( XXXX XXXX & XXXX XXXX  ), Honor Finance, XXXX XXXX XXXX XXXX   and XXXX XXXX  can best be described as THEFT by DECEPTION.

I have submitted a complaint through your department regarding XXXX XXXX, CPA and it has been confirmed by your office that he is not nor has never been licensed to engage in the practice of collections in Illinois or any other State. Honor Finance facilitated the fraudulent & illegal collections activity and under the supervision of XXXX XXXX and XXXX XXXX at Honor Finance, XXXX XXXX  would collect payments by check & credit cards and submit the funds back to the offices of Honor Finance. In many cases these payments would come in as a result of wage garnishments that were initiated by XXXX XXXX, CPA and processed by XXXX XXXX, General Counsel for Honor Finance.

XXXX XXXX XXXX  states that they have no relationship with XXXX XXXX  and that these old accounts were purchased by himalthough hes not a licensed debt collector. Given the fact that XXXX XXXX had a personal username and login to Honor Finances proprietary computer system in addition to a personal login to Honor Finances XXXX account to access customer credit reports ( PRIVATE/CONFIDENTIAL/PERSONAL INFORMATION ) and also personal logins to Honor Finances skip tracing programs, its hard to believe that he had no relationship with their companyhe spent more of his work day on Honor Finances customers than he did on his own.

All accounts, by virtue of XXXX XXXX lack of having a debt collection license, were being fraudulently and illegally collected upon. The most egregious act that these individuals perpetrated against these unwitting consumers was collecting payments and not applying them to any believed debt that they thought they owedthe funds were collected and pocketed by these individualsTHEFT! There are customer scenarios where customers cars were repossessed and sold and the sale proceeds were never applied to their accountsTHEFT!

My allegations & accusations are from first-hand accounts and Im more than willing to meet, discuss and provide any supporting information that I have. In meeting with your representative in your XXXX XXXX  office, he urged me to follow up with your office after he had a chance to review the documents I had regarding XXXX XXXX XXXX XXXX.
Got a loan through turbo tittle loan and six months later got divorced she got the car and debt now she has trade car in and they are calling me and harrassing me talk to guy on phone told him not to call me again and his answer was he will all day long and he has now called XXXX times in and hour
I am having a serious problem with American Express every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent  Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. Amex is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with Amex debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by American Express to purposefully assassinate character through negative reporting to the credit bureaus.
I applied for a XXXX XXXX Credit Card with Wells Fargo Bank. Rather than receiving the card I applied for, I received a different one with far less advantages and that I had not applied for. When I called to inquire as to the reason I was told that my XXXX credit was in the XXXX and thus insufficient for the card I requested. 
Today I have checked all my XXXX reports and none of them is below the XXXX. 
This same credit card switching practice happened to my husband about 2 months ago
FCI lender services is accessing my loan with continued illegal attorney fees and breaking California collections practices and foreclosure laws. I have attempted to resolved this matter when {$600.00} worth of illegal attorney fees were accessed on my mortgage and I was told it was because I was 60 days late. This was proven to be untrue and the fees had to be removed, only after I threaten legal action. But recently the lender has placed {$1500.00} in attorney fees and placed my loan in pre-foreclosure on XXXX XXXX, XXXX, I was only due for the month of XXXX 's payment. I received the attorney letter dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX, my loan was due for XX/XX/XXXX payment, this lender hired this attorney to produce a letter for my loan which was not even 30 days late at this time. On my previous complaint case # XXXX, the representative for the lender ( XXXX XXXX XXXX, XXXX stated fees should not be access unless the loan is 60 days late and the investor was advised of the inadvertent error and the XXXX fees were removed, but they have chosen to continue doing it and have now accessed {$1500.00}. FCI lender services is still practicing in a unlawful manner for this private lender.
The proper option was not available. 
A previous complaint was filed with CFPB, however it was closed. The previous response from XXXX XXXX  contained my private health information. My PHI was viewed by employees of XXXX XXXX. My PHI was shared on this website. 
XXXX XXXX was not authorized to receive my PHI ( as documented by the document they uploaded to this site. ) The medical bill shared initially shared by health care provider is a violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPPA ). This law prohibits the disclosing of personal health information. 

This account is being illegally reported on my credit report. 
As a result, I will be filing a formal complaint with the Attorney General ( OAG ), and Office for Civil Rights ( OCR ).
They use terrible practices when trying to collect pass due payments. You advise them about paying the past due amount and they tell you " no you owe me double the amount '' but my next payment will not be due at that present time. They leave unprofessional voice messages and threatening messages, they sent emails to my job after I told them not to contact me at my job. I choose not to speak them because they are not willing to help. They have employees trying to hit there monthly numbers regardless what it takes. I will seek an attorney for these unprofessional practices.
Years ago I was having trouble making payments, and was advised by Navient to do forebearance. They told me that the interest would be tagged on to my loan. After the forebearance ended, they said 6 months of missed payments were due. My loans are still past due with over {$17000.00} due right now and in default. Not only was it impossible to pay, but the fees just keep piling up and they refused to do anything about it when I called. Get calls about 8-10 times a day, collection letters from them and another collection agency, and can't even start to get out from being underwater. To be honest, the only thing keeping me from having XXXX XXXX is that they would go after my mom if I did. They also call and harrass my sister, and she isn't even on the loans.
On XXXX a fraudulent transaction occurred for the amount of {$880.00} on my credit card at XXXX # XXXX, XXXX, FL. I was notified by XXXX XXXX Statement ( XXXX ) in my XXXX XXXX, XXXX statement advised them. On XXXX I was advised by XXXX the charge had been denied and had spoken with a XXXX. On XXXX. XXXX my XXXX statement arrived with the aforementioned charge still on the account plus fees and interest charges, totaling {$930.00}. XXXX XXXX, XXXX XXXX email advised a minimum payment of {$56.00} was due on card XXXX. XXXX XXXX. XXXX I contacted XXXX XXXX, XXXX, and she advised Case # XXXX was assigned by the Fraud Dept. 
My XXXX XXXX, statement arrived with a balance of XXXX, credit of {$890.00}, a fee charge of {$2.00} and {$40.00} balance remaining. Called XXXX and the advised not to pay. XXXX XXXX, XXXX statement is {$40.00} balance, fees charged {$29.00}, balance {$69.00}. XXXX XXXX, statement same data. XXXX XXXX statement balance {$69.00}, {$29.00} credit, Fees charged {$54.00}, balance {$94.00}. Called XXXX XXXX XXXX, XXXX, to XXXX, concerning balance now at {$13.00} and would be removed by Monday. Other contacts XXXX XXXX, XXXX, XXXX ( phonetic ), ID, XXXX, and advised account would be cleared as well as the XXXX credit bureau. XXXX XXXX, XXXX sponke to XXXX, ID XXXX and she advised account would be cleared and the credit bureaus. Apr XXXX, XXXX XXXX ID # XXXX, XXXX balance will be indicated on account. XXXX XXXX, XXXX statement recieved balance of {$94.00} and on thier web site. XXXX XXXX, FICO score of XXXX, XXXX, XXXX reduced to XXXX in XXXX XXXX. So far XXXX has not corrected this problem and I have detailed documents of all statement. XXXX has charged meet {$15.00} to XXXX replacements card that I did not order express shipping which adds insult to injury with company.
Commerce bank says I have an available balance of XXXX, but they say I 'm overdrawn too. My account never went below zero. They have collected a bunch of tiny transactions for stuff that I purchase everyday. Like eight four dollar lunches. This way they can charge me a fee for each one. Remember my account never went below zero. I have {$200.00} in my wallet. This wo n't help. I could deposit a million bucks at this point in and it would n't help, because for a moment in time by their crazy accounting, I was " overdrawn ''. It is n't even the one transaction for {$300.00} that triggered this that i have to pay for -- it is a bunch of tiny transactions. This way they get to charge me for each one, turning a {$20.00} overdraft fee into a {$200.00} overdraft fee.
I cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. 
XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX  XXXX THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY.
The debt sent to the collector was originally from a medical facility. I looked it up, Since I recently got XXXX, I wanted to make sure that it would be paid under SS, I called the original biller. Originally, I had tried several different angles to get the collector to work with me. When I finally called the Doctor/hospital, I found the bill didn't even exist. The debt collector refused to remove it. Spoke to XXXX.