WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a auto loan with Westlake financial. The loan was paid in full XX/XX/18. Over 90 days later, the loan still shows that I owe over 4,400 on the loan. I have contacted Westlake numberous times without any success. Westlake has send me the pink slip showing the auto is paid in full, but will not remove it from my credit report.
They have continued to call my cell and house numbers sometime multiple times a day. They do not give a option to be removed from their list. This is a form of harassment and I do not want them call me ever again.
My interest rate is ridiculous. I only owed a little over XXXX but now I owe XXXX. I do n't understand how.
I noticed multiple hard inquiries on my credit report from XXXX XXXX XXXX although I had never applied for credit with them. When I contacted them, I was told that they had received credit requests but my personal information was unverifiable so the accounts were not approved. They indicated to me that his was identity theft, as a result of online purchases with XXXX. I sent a letter to XXXX XXXX, XXXX requesting that the unauthorized inquiries be removed from my credit report but they were not removed. The dates these unauthorized inquiries appear are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has had a negative effect on my credit score with XXXX  for nearly two years!
In XXXX of 2015, I received an alert from my credit monitoring service that Enhanced Recovery LLC had placed a collection account on my credit report. I did NOT receive any communication from this company. I immediately sent a request for debt validation by certified mail according to the FDCPA. I did not receive a response. I sent a XXXX request in XXXX 2015 by certified mail. I still have n't received a response although they are continuing to report the debt on my credit report.
I get multiple calls from XXXX on my new 2 month old cell phone. It is a pre-recorded message telling me to call XXXX about a JCPenney account that is overdue. I do n't have any JC Penney accounts. This is also a new cell phone and number. I call and they say the ca n't find me in their accounts by phone number. I tell them to stop calling me and using my minutes when I do n't even have a JC Penney account. I ask for a supervisor and they put me on hold and then hang up on me after a few minutes on hold. They have called multiple times now. How do I get them to stop calling me? I am a XXXX XXXX person on a fixed income and ca n't afford the minutes on my cell phone.
Convergent has put a collection on my credit report which is not mine. Also they never sent me a 30 day right to dispute, I just saw it on my report. The debt they put on my credit is for  XXXX , which is my ex husbands, who also passed away. We have been divorced f or 6+  years and the information they have on file is MY EX HUSBANDS BUT THEY HAVE MY SOCIAL. They wont speak to me or help me and THIS IS NOT MINE!!! They say it is his, but because my social is on there then I owe it.??
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX XXXX  XXXX, XXXX, 2. XXXX XXXX XXXX, XXXX, I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
I recently applied to refinance my student loans with XXXX. I was denied because of what I was told were delinquent accounts.I asked the XXXX rep what accounts are they talking about and they gave me a list of 4. 3 of the 4 are not even companies I've had accounts with and the other was an account that was closed 2 years ago that I was a co-signer on, not the primary borrower. 

I was given the following information to get my credit reporting information. 
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX 1 ) The phone number doesn't work. Regardless of the information one enters or the options one chooses, the answer is " we can not process your request over the phone, submit a written request for information ... '' 2 ) This is the 2nd time I've had something completely false on a credit report from Experian in the past 6 months. ( I filled a different complaint with the CFPB involved a falsely reported accident on my vehicle that resulted in my not being able to trade in my car - the result of the complaint was Experian removing the False information from my report. 

The information from whatever source is false and inaccurate and has caused me financial loss.
XXXX Wages were garnished and paid. However there is a {$9.00} balance on my Credit Report
The subject of this complaint is PNC Bank. During the second week of XX/XX/2018, I transferred {$300.00} or so from " XXXX XXXX '' to " PNC Bank '' and received an email about four days later saying that the money had been received in my PNC account and would show up within three business days. To date, I have contacted PNC via online chat a week after I didn't receive the funds, then called four times, reached out by email and phone to an executive client relations person at PNC two weeks ago. I still see no funds in my PNC account. It's been almost a month now, with no sign of the funds showing up in my PNC account -- even though PNC confirmed that they've been received, and they were taken out of my XXXX  account just fine! 

I am contacting you so that PNC checks its own records and properly reflects this {$300.00} received transaction in my account. Right now it is essentially stolen by PNC or XXXX -- I don't know. The documents I have attached clearly tell the whole story.
I went to closing for the selling of my house to   XXXX   XXXX   and his wife,  XXXX , on  XX/XX/XXXX , at Security National Title & Escrow, LLC.
They owed me {$4100.00} from their rental time of this house. I refused to close unless I received this sum first. He was not present.  XXXX  represented him by POA. She vehemently agreed that they owed this sum.
She received a text showing that the wire had been sent to the title com company. The closer,   XXXX   XXXX  , verified everything and guaranteed to to me that her company would send this sum to me as soon as it was received.
Closing continued with signing of all papers, which included a statement : "   XXXX   property tax reimbursement from buyer to seller will be handled outside of transaction. '' This is the sum of {$4100.00}. I called   XXXX   XXXX  , Title company employee, the next day, and she told me that this money would be transferred to me as soon as it was received. Two days later,   XXXX   XXXX  , another title company employee, told me that they had returned the money to the buyer, and stuttered. Later he said that they could not send money that was not on the Closing Disclosure. He himself had already added this sum to the second Closing Disclosure the Friday before closing. At closing, I was told that RP funding had requested this sum not be on the CD and that it would be paid directly to me. Ok, now no one is paying this sum nor answering my calls. This seems like an act of collusion and fraud. Also, Like magic, I am told that the actual closer no longer works at SN Title as of the day after the money apparently was sent back to the buyer. The whole deal smells very badly as before closing, both RP funding, and A rep of the SN Title said that the buyer should not owe that to me. I told them that normal does not matter. The  XXXX  and I agreed to their paying me that sum as part of their renting my house.
Please help honesty prevail.
Capital One decided to restrict my account requesting additional information. This information has been sent to their office numerous times. To date, I have receive no reply despite them taking {$1300.00} from my account on XXXX XXXX with no response as to why when I sent them a dispute letter to the address on my statement. In addition I have XXXX points on the account worth {$700.00} that they will not allow me to redeem. Finally, despite all of the above they are assessing me a {$59.00} membership fee applied to my account on XXXX XXXX. I would like my {$1300.00} refunded in addition to the {$700.00} worth of points refunded. I would also like either my account to be unrestricted or the {$59.00} membership fee to be removed as I should not have to pay a membership fee for a product I can not use nor receive any replies from the inquiries sent to the company.
I have been cleaning up my credit report. XXXX and XXXX both investigated and removed everything I sent. Equifax on the other hand is a diff story I have disputed several things one was a judgement that was basically illegally filed because they knowingly sent it to an old address and we did n't know anything about it until I pulled the credit report. I sent in letters to all agencies with documentation showing they filed without us knowing. It was investigated by all agencies XXXX and XXXX deleted it equifax marked it as satisified ( which is incorrect ). 2nd I sent a letter to a collection agency requesting proof that a debt was ours for comcast because we believe it is for the equipment that we turned in. Its been 45 days they have n't responded to the letter, I disputed it with all agencies it was removed from XXXX and XXXX. Equifax has n't removed it. 3rd sent out another letter to a collection agency for harris and harris requesting they validate the debt show proof it was ours. They never responded its been 3 months nothing. Field a dispute with XXXX and XXXX it was investigated and removed. Equifax did n't remove it. XXXX. XXXX paid tax leins we did n't know we had until I pulled the report they were paid in 2014 XXXX removed them. XXXX and equifax have not I filed for an expungment from the state and that has n't gone through yet but I did send letters and proof it was filed to both agencies. I 'm trying to get this cleared up to purchase a home and its becoming incredibly difficult. I do n't understand how one agency can verify something as incorrect or not ours and removes it and another agency finds something totally different.
A debt collector from XXXX XXXX at phone number ( XXXX ) XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for Capital One Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from Capital One. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of XXXX XXXX simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.
I was affected by Transunion inquiry issue. They reported inquiries on my credit report which should not be there. I have spoke to the customer rep and they were not able to help. I would like these inquiries removed from my credit report.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX
On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XX/XX/XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail
I purchased a phone from XXXX. Since getting the phone, I got my first bill where I was being charged twice for the same phone. I tried contacting both XXXX directly and the credit service they are doing their 2 year financing through, TD Retail Card Services. After almost an entire month they finally took the second charge off. Now they have charged me 2 months in a row a {$27.00} late fee, when I am paying the amount that it says is due {$37.00} on the due date online. It says the amount is processed on that day, and yet they charge me the late fee. They took the first one off but I have n't heard back on the second yet. I think after doing the math, they put the wrong payment due and it should actually be XXXX per month for a 24 month finance plan. But them messing up should not result in me getting charge late fees. I should not have to make up for their mistakes, which is obvious on their end from the amount of trouble I am having. And when I try calling I get put on hold and get the run around as nobody seems able to just give me what I feel should be easy answers. All of these issues should be very straight forward.
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and Experian is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX  XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX  XXXX XXXX XXXX XXXX-XX/XX/XXXX
I took out a car loan, through Bank of America in the amount of nearly {$30000.00} around XXXX XXXX. The car was repossesed by Bank of America in XX/XX/XXXX, with a balance of about {$18000.00} remaining on the loan. Bank of America auctioned off the vehicle for about {$20000.00}. Now, XX/XX/XXXX, their so called collections department claims that I owe them {$10000.00}. Go figure that. To add insult to injury, XXXX of the crooked collectors, went into my account on XXXX XXXX, XXXX, with no authorization on my part and took ( stole ), my entire pay of about {$2000.00}, for a car loan that should have off set to XXXX balance, when the vehicle was auctioned off in XX/XX/XXXX. This is an unscrupulous collection practice to say the least. When I tried to dispute the action, I get reminded of some disclosure, that most people with XXXX vision probably need a magnifying glass to read. In the meantime, I am out of {$2000.00} for the month that a conniving, thieving agent of Bank of America stole from my account on XXXX XXXX, XXXX without any authorization, nor consent on my part. Unbelievable!
Citi bank charged me late fee and interest for the payment not paid on time due to technical issues at my bank. 

As soon as I learned the issue, I arranged payment from a different bank one day after the deadline and I alerted Citi bank right away. It charged me a fee anyway.
All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. XXXX, for example, shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.
This complaint is in regards to the XXXX XXXX prepaid card offered by NetSpend. I've earned XXXX XXXX miles for each of last 4 months, and they are suppose to post the reward to my XXXX account each month. However, this has not happened. NetSpend charges {$85.00} annual fee for this. It's a complete switch and bait. I've contacted them multiple times since XXXX, nobody ever follows up with me.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX
I went to a XXXX university and like many other students, I took out private loans. After graduating in XXXX XXXX, I could n't find a job. I took the first job I could get paying only $ XXXX/hour at a XXXX. XXXX of my student loan payments was over {$400.00}. It would 've taken XXXX paychecks to pay it. I called to see if there was something they could do but because it was a private loan, there was hardly any flexibility. I did the best I could to pay it but I found myself scraping for pennies. I worked XXXX jobs, seven days a week in order to send in checks. I switched to the graduate repayment plan but overtime, I would pay more interest. Little did I know how my money was being applied. I apparently accumulated {$620.00} worth of late fees in XXXX and part of XXXX. I called to see if I could get these waived and the representative said they could n't do it unless it was an error on their part. I put in a request to speak to a manager but all they could do is say they 'll put in the request and have them call me back within XXXX hours. After a week of not hearing from them, I decided to call them back and they were finally able to transfer me. I told the manager my whole story and how I was going through financial hardship at the time and if there was any way I could get these late fees waived. I also added that it is SO frustrating knowing I worked too XXXX hard just so my money can go into late fees instead of paying off the high balance on my student loans. To no avail, the manager just said, " I wish there was something I could do but I know the request would get denied. '' I just feel like these student loans are the death of me. And there are no programs out there that could help. I 'm in the right track with these loans as of XXXX. I like to tell myself that I 'm doing the right thing by paying these loans instead of taking the easy way out and placing it through bankruptcy. But I feel like these lenders are n't willing to help in any way. They have the abilities to waive late fees and yet, they make it so hard on people who are trying their hardest to do the right thing and pay back these high interest loans.
I AM A VICTIM OF IDENTITY THEFT AND POLICE REPORT FILED. I NOTIFIED THE CREDIT BUREAUS NUMEROUS TIMES SUBMITTED ALL NECCESSARY PAPERWORK TO THE BUREAUS AS THEY ASKED AND THEY HAVE NOT REMOVED THE FRAUDULENT ITEMS THAT THEY WERE DIRECTED TOO. I SPELLED OUT EVERYTHING FOR THEM CIRCLED THE ITEMS ON MY CREDIT REPORT BUT THEY DISOBEYED THE LAW AND FAILED TO REMOVE SAID ITEMS DETAILED IN CREDT REPORT.
I was called by a debt collector yesterday and said if I did not call him he will serve me with a letter of intent .And also he did not say what the name of the company was.So I called back and I say what the debt was for he said XXXX XXXX XXXX and he said I had broke a 2 year contract and the XXXX XXXX been bankrupted and out of business for 4 years.So the phone number he called from was XXXX and so I had told the representative that I can not afford and I am on social security XXXX but, I did had a 1 year contract not 2 and he had the last XXXX digits of my social security number.I had told the representative to set up a payment plan and he wants the money immediately so I had gave him a debit card number I do n't use so he can get off my back.
Wells Fargo stole {$1200.00} from my checking account and then they intentionally DELETED  the transaction from my bank statement and online banking.    Wells Fargo com mitted bank fraud by deleting the stolen {$1200.00} transactions on my account.   I have the bank statements showing the transaction was DELETED.   They tried to cover their tracks of stealing the {$1200.00} by DELETING the transaction all together.   They never refunded the stolen  money. Wells Fargo has a l ong history of STEALING from clients. They are probably stealing money from millions of clients.
I have been working with Bank of New York for mortgage assistance and have been getting the run around. I have been supplying all the documents they request and once I supply those documents they keep asking for more and more and more. My single point of contact XXXX XXXX has been on vacation since the XXXX of XXXX and not returning until the XXXX of XXXX and when I leave messages for her manager I never get any returned calls. No one is properly reviewing my file nor concerned about my upcoming foreclosure in 2 days. I feel I have no one to talk to regarding my case and am being transferred around the loop and not being review properly nor fairly.