WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 I request my credit report from XXXX, XXXX, and XXXX. I noticed that there was an impermissible credit inquiry made by Diversified Consultants , Inc . Furthermore they even furnished a debt collection item to my XXXX and XXXX Credit report. On Tuesday XXXX XXXX 2016 I sent notice of intent to sue, informing the company of their violations and requested that within five days they send me documentation of an application I 've completed for services, employment or credit from their company. It is Monday XXXX XXXX, 2016 and I receive a call from a representative at Diversified Consultants , Inc. who was requesting my information before they verified who they were. I received multiple calls from this number since XX/XX/2016 and when I would answer the phone it was always dead air. I never heard representative speak except for the call they made to me today. My main concern is that I never executed any services with this company and do not know who gave them my private information. This company has captured my identity and damaged my credit standing by invasion of my protected interest and by inserting negative items on my credit reports. I intend to follow through with private right of action.
On XX/XX/2017 I refinanced my mortgage and paid off Ditech Financial. I have still not received the refund of my escrow account. I have called several times and I have been told that the check was sent. Every time I call I get told the check was sent on a different date. So far I 've been told the XX/XX/XXXX the XX/XX/XXXX and the XX/XX/XXXX. Every time I call they get nastier and nastier and change their story.
I am filing this complaint because the unlawful terms of this car loan with Santander consumer usa. I requested that this account be re-age and all fees and charges that were added to the account and the demand that I pay the amount of {$2400.00} be removed. Any fees and adjustments were never added to the principal balance and should have been due at the end of the loan. Secondly the interest rate that I was given did not place me in a position to pay off the loan sooner. I requested a reduced payment and interest rate but was denied. This car is upside down. It is only worth {$7000.00} for this vehicle, but I still owe approximately {$24000.00}. Please investigate this company.
XXXX18 XXXX XXXX  Received a call from XXXX XXXX at IQ Data. He said I owed a debt. I asked him to send me the information. He said he would only send the information if a was going to pay the debt immediately. I was not going to pay anything without looking at the information. 

XXXX18 XXXX XXXX The same number called me back. I did not answer. 

XXXX18 XXXX XXXX  XXXX XXXX at IQ Data called my place of business and left a message on a public email about the debt. 

XXXX18 XXXX XXXX I called him back and he again said he would not email the information about the debt unless I told him I would pay him by credit card immediately.
LexisNexis has yet to provide any proof of any claims valid or accurate as claim by LexisNexis. My next issue is they claim there a reporting agency in which factor. I have yet to see any proof of gather information as stated by LexisNexis. Its all words with no documents to back up as there claims. CFPB # XXXX I did not agree or sign or give LexisNexis permission to run or check my credit for nothing or any other claim by them. I need proof of my signature as stated by XX/XX/2018 claim not some XXXX reply that has no documents to prove as stated. I don't want to hear a bunch of lies and XXXX  by LexisNexis or some run on line show proof or I'm in the process of filing a law suit on LexisNexis.
Received a response from Wells Fargo and they simply tried to brush off a complaint with a standard response. CLEARLY in my email it mentioned that I was eligible for the {$250.00} bonus and I have met the 10x transactions requirement. This so called private invitation had a public url " XXXX XXXX XXXX ''. If there was some error along the way, should n't Wells Fargo be held accountable for their mistake and own up to it? I am filing another complaint as I feel I am being unfairly treated by Wells Fargo.
This is a follow-up to your recent email to me on my complaint # XXXX, stating that J P Morgan Chase is working on the complaint and will provide feedback to me within 60 days. Oh, they are working on it, all right ; just " running out the clock. '' This matter could easily be researched and resolved in just one day 's time, but they clearly do not intend to do so, now or ever. They have just notified me of their intent to escalate my mortgage to the stage of foreclosure, which could likely be achieved in less than 60 days, thus confirming the fear I have had all along that they intentionally put me in an illegal, unaffordable loan situation to drive me into foreclosure so they could destroy me and be done with the mortgage forever. Unless you demand from them an equitable resolution as soon as possible, I shall be irretrievably ruined financially, with no home and no hope.whatever. Thank you for your attention to my case, and, please come to my rescue. I am fighting for my home, my life, and I am confronted by an adversary with nearly unlimited resources, and who is as unscrupulous and corrupt as they are bureaucratic and inefficient.
The issue is with Transunion. They claim to have an online dispute process but the website actually does not provide a way to open a new investigation. I called Transunion 4 times this week, spoke to 4 different people and a supervisor and I still not able to open a dispute for an item I see on my report.
My dispute is with GM Financial I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month. 

I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.
A couple of days after I noticed XXXX separate fraudulent charges on my business debit card I immediately called and cancelled my card and sent an email to the Assistant Vice President and Sr. Branch Manager who manages my account. He sent over an affidavit for me to fill out and he submitted. The bank put credits on my account for charges. Several weeks later they received notices from the vendors that they were 'valid ' charges and they revoked the previous credits. I sent a certified letter to my branch fraud department disputing the decision asking them to reconsider and the information they sent me from the vendors had false information about my identity, even the delivery address where the items purchased online were delivered. Then I did n't hear back after about 4-5 weeks I called and they said they no longer handle the cases and I needed to work directly with my branch. I 've been going back and forth with my bank, they say they 've done everything they can and I would need to work directly with the merchants to get my money back. One merchant I ca n't get through too, one said I should have a credit coming, that my bank will not confirm, one I spent an hour on the phone to be told I need to work with my bank to get my money back. My bank does n't answer me back for days or even weeks at a time and feel I 'm getting the total run around. I 've been diligent about going through the proper steps and keeping in contact with my bank. So as of now I am at a loss. I work too hard to lose over {$600.00} and need help!
In XXXX 2016 I received a bill from Toyota Financial Services ( TFS ) for the amount of {$450.00} for excessive miles and dispositions fee ; I called TFS and explains to them i m entered in to a new contract with them on XX/XX/2016 with a new XXXX XXXX XXXX, Also a call the dealer and they give me two  confirmations numbers for the payment that they made to TFS confirmations # XXXX Costumer last name XXXX, costumer vin ( last seven digit ) XXXX. Also another confirmation number # XXXX Costumer last name XXXX Vin # ( last seven digit ) XXXX I call several times to TFS i got call records date and name with the person i spoke to but they never do nothing now the send me to the collection agency and affecting my credit a lot of inconvenience to me receiving call and letter like i was delinquency. i got my proof of payment i made the calls that a have to do and now i m affected.
XXXX XXXX, XXXX, is the Trustee for XXXX XXXX XXXX XXXX XXXX  Pass-Through Certificates Series XXXX and is in the process of evicting us from our home. This eviction is based upon an illegal foreclosure and sale that was carried out by Wells Fargo Home Mortgage ( ASC ). The fraud centers around Wells Fargo Home Mortgage leading us into default without our knowledge in order to qualify for a loan modification in XX/XX/XXXX. They told us to stop making payments in order to qualify for a loan modification. They had no intention of making a loan modification. Wells Fargo Home Mortgage was the agent for XXXX XXXX, XXXX, and it is not known whether they were simply following the instructions of XXXX XXXX, XXXX The complaint against XXXX XXXX, XXXX, is that they have been informed some time ago about the illegal foreclosure and sale of our home and they continue their efforts to evict us. The are aware of many acts by their agent, Wells Fargo Home Mortgage, of fraud and tactics they used in servicing our mortgage and countless others. What isn't known at this time is the involvement of XXXX XXXX, XXXX, in the acts that Wells Fargo Home Mortgage inflicted upon us and other homeowners. This includes the placement of our mortgage ( predatory loan? ) into a government guaranteed trust. It also isn't known if XXXX XXXX, XXXX was giving instructions to Wells Fargo Home Mortgage as their agent in the fraudulent acts that they committed. 

I am a XXXX year old XXXX veteran with an XXXX XXXX and the acts of Wells Fargo Home Mortgage and possibly XXXX XXXX, XXXX, caused me to lose my company, income, my company stock, my company retirement, and I was forced to file bankruptcy in XX/XX/XXXXto protect my home from foreclosure. I am simply looking for fairness in my losses and get my house back.
In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal paypal account 2. buying and then paying with Paypal Credit , which I do not have. 

I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " paypal credit '' you are basically applying for a paypal line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item. 

On my paypal account, it immediately showed that I now had a line of credit of {$7500.00} with paypal. I emailed paypal and told them I did not initiate this account and would they please close it. 

The next day I received an automated email response from paypal, which did not address my concern. So I call paypal. They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit ( note : this happened after paypal 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit. 

The companies involved are : XXXX XXXX  Bank/PayPal Credit.
I am the prospective buyer of a property located at XXXX XXXX XXXX, XXXX, NJ. I submitted an offer and entered into a contract with the Seller at the end of XXXX 2015. Following a request for financial documents by the bank, which I provided, the property was then listed on XXXX for auction ( this is an OCWEN short sale ). The property was listed 3 times, we were told for market validation, without success in that there were no bidders. We are now told that the property has been returned to OCWEN 's short sale department but that a new representative was assigned due to a change in staffing. That new representative is again requesting financial documents and we are told that this process may take another 30 days. I understand in reading up on OCWEN 's short sale process that the property had to be listed through XXXX. The fact that it had to be listed 3 times without success is questionable, but now in the past. The fact that OCWEN wants to potentially see the same documents all over again, is frustrating, but something we expected. The length of time that this is taking when we are the only offer out there is what is troubling, in addition to the fact that CFPB regulations which were recently amended in XXXX 2015 expressly state that we should have had an answer to our contract within XXXX ( 60 XXXX days, which OCWEN has unquestionably run afoul of. I know that OCWEN has been investigated recently regarding their business practices as well as their relationship with XXXX and I want them to be held accountable under their new corporate structure for what I perceive to be a continuation of those practices. I am asking that my contract be considered and a decision rendered immediately and that, in further compliance, with the regulations, that we be kept in contact regarding the progress of our contract.
This was the only online way I could find to register these general comments. 

Seems to me like the credit monitoring services come out ahead whatever the consumer elects to do. 

After the hack headlines, those $ XXXX- {$10.00} charges to freeze credit reports will amount to a lot of new revenue for them. 
Why should the consumer pay for this when we did not hire them and are not their clients -- businesses are. 

Plus, in the freeze process, the services want your SS # and confirmation of other info before letting you know if your info has been compromised. Given what has happened, they have lost my trust. No dice. 

I hope the cfpb can do something about this.
I am trying to get the old inquiries off my credit so that I can see an improvement in my score. Can you please remove them for me, thank you.
I purchased a computer bundle and a XXXX inch TV back in 2014. The salesman sold me insurance in case if the items I purchased broke. My TV 's screen broke. I called Conn 's, they sent someone to check the TV. It could not be fixed. Through XXXX, I was able to work things through. I was told to go the store here in XXXX to get my TV. When I went to the store, I was told the TV was discontinued and could not get it anywhere else. They told me I had a little over XXXX to get a TV. As I looked for something that would be acceptable, the salesmen where trying to convince me to buy something bigger. I picked a TV that was less than was given. The difference in price which I expected to be applied back to the account, the manager denied. 

I waited to get the TV, The TV they brought was not in a box and rapped in plastic paper. " for protection '' I asked him what was that, he said it was the TV I picked. I was informed that TV was also discontinued and that was the TV on the floor. I told him I was not going to take that TV home and left. 

Through many calls to XXXX, I decided to get the replacement TV. A different salesman helped me. I picked one and went to get the paperwork done. I was informed by the salesman that in order for the TV to work I needed a special cable which cost quite of bit but they had this package which included the cable and the mounting kit to put the TV on the wall. I said ok. 

AS THE SALESMAN WAS DOING THE PAPERWORK, I TRIED TO PAY IN CASH FOR THE MOUNTING KIT AND HE SAID HE COULD NOT TAKE THE MONEY. NOT ONCE HE SAID IT WAS A NEW ACCOUNT. AT THAT TIME HE INFORMED ME EXTRA CHARGES AS ADDED TO THE ACCOUNT WHICH INCLUDED INSURANCE FOR THE DURATION OF THE LIFE OF THE ACCOUNT IN CASE THE ITEMS WERE STOLEN AND OTHER CHARGES. HE SAID IF I HAD HOME OWNER 'S INSURANCE, I WOULD BRING IT TO THE STORE AND THE EXTRA CHARGES WOULD BE TAKEN OUT. I TOLD HIM WAS NOT AWARE THEY DID THAT. HE INFORMED ME IT IS ALWAYS DONE. 

I HAVE HAD MANY ACCOUNTS IN THE PAST 12 YEARS AND NOT ONCE I WAS INFORMED OF THESE CHARGES. I HAVE HAD HOME OWNER 'S INSURANCE FOR 15 YEARS. 

TODAY, I CALLED CONN 'S BECAUSE I WANTED TO REDUCE THE MONTHLY PAYMENT. I WAS INFORMED I COULD NOT REFINANCE BECAUSE MY ACCOUNT IS NEW. IT WAS MY DECISION TO INCREASE THE PAYMENT TO {$200.00}. IT WAS NOT THE AGREED AMOUNT WHEN I WENT TO CONN 'S. I DID NOT AUTHORIZED THE SALESMAN FOR A NEW ACCOUNT. I WENT TO PICK MY REPLACEMENT TV. 

CONN 'S STORE IN XXXX XXXX STOLE FROM ME BY WITHHOLDING INFORMATION THAT WOULD DECREASED MY DEBT. I HAVE SPENT COUNTLESS HOURS TRYING TO GET ANYONE TO SOLVE ALL THE ISSUES WITHOUT SUCCESS.
i am dealing with identity theft. I called Capitol One XX/XX/2018 to close account that was fraudulently opened in XXXX. In order to get information about the person who commit the fraud like man/woman who talked to them seeing as how all lines are recorded for monitoring. They want me to send in a copy of my SS CARD, BC, AND Picture ID. When I asked why was someone able to open account without all this information XXXX ( capital one representative ) replied that you only need a SS # AND DOB. So, in order for me to retrieve information about when this account was opened, what the account number is, and what information was received they wouldn't allow it. I do not feel comfortable faxing over all this information seeing as how it was stolen in the first place. 

APPARENTLY MY ID # FOR THE FRAUD ACCOUNT IS XXXX
XXXX canceled her XXXX account with XXXX XX/XX/2016. XXXX continued to collect money from her using automatic bill pay ; even though she cancelled, returned the equipment, cancelled the contract, paid off the contract. 
XXXX billed for services not rendered. XX/XX/2016, XX/XX/2016, XX/XX/2016 
There was no XXXX equipment at her house, it had been returned in XX/XX/2016
I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, Sallie Mae and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.
Westlake financed a car for my now deceased mother. Westlake repossessed the car XX/XX/XXXX. No email, letter or phone car was given of repossession or knowledge of account so payment arrangements could be made. The car was repossessed by a company that rides around neighborhoods scanning tags. In trying to communicate with Westlake financial to receive a balance owed, persona items within the car and request a public auction The company received authorization from me, the death certificate. They 've denied our request multiple times. My items are being held. The company is not following e
I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. 
My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap. 

XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I did n't received my statement this month in the mail Notdstrom charged me late fee and refuse to take back the late fee After I explained to the representative that the mail man in my community make this mistake And sometimes put my mail in some body 's box and someone else 's in my box and k madd numerous complaint to the post office and to this day I have no way of fixing the issues So I do n't think it 's fair for me to be punished this way
I am submitting this complaint for an account on my credit reports that I have no knowledge of. I do not recognize this account what so ever, nor am I familiar with the original debtor. I believe that may information may have been obtain, compromised and used without my consent.
Submitted disputes XX/XX/XXXX and XX/XX/XXXX to XXXX and Equifax that information regarding a bankruptcy they were listing is inaccurate. Each time they responded they had verified the listing. I asked for their procedure they used to verify bankruptcy I never recieved it.
XX/XX/2018-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question Perfect Collection, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/2018-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/2018-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/2018 simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/2018-XX/XX/2018 and XX/XX/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX  claim that they have verified via certified mail. 

XX/XX/XXXX-I sent a letter to the collection agency Perfect Collection asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/2018 and XX/XX/2018. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/2017-XXXX  sent notice that the accounts in question had been removed due to unable to verify, however, XXXX  is refusing to comply.

I have been disputing the debt with XXXX since last year and XXXX is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
Citibank froze my account on XX/XX/18 with no probable cause. Upon calling them, they dont even give me any information and wont unfreeze my account after verifying all of my information. I went into a branch on XX/XX/18 and they informed me that they are closing my account. So, i said i want to withdraw all of my funds, the branch wouldnt let me, they made me call the customer service number in which i did while i was inside the branch, they told me they will mail me a check for my balance which us over {$3700.00}, they refuse to let me withdraw MY funds inside a branch.