WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained an auto loan for a XXXX XXXX XXXX from Wells Fargo Dealer Services. I put {$5000.00} down. It was a five year loan, so originated in XX/XX/XXXX or so. In XX/XX/XXXX,  vehicle was towed, and I could not locate it. The towing company insisted on the title, which remained with Wells Fargo. They were unhelpful. I later learned that dishonest tow companies do this sort of thing, and apply for a salvage title. I continued to pay Wells Fargo through most of XX/XX/XXXX, but finally, defaulted, because a ) they would not assist me in proving title, and b ) there was only {$5000.00} or so left on the loan, and I thought they could retrieve their collateral. I occasionally question Items on all three credit reports. In the past, Wells Fargo sends in a proof of claim, and it stays as is. I did it again in XX/XX/XXXX.  WellsFargo Dealer Services reacted with XXXX, XXXX, and XXXX by moving the default date up to XX/XX/XXXX, changed the amount due to {$7000.00}, and do not mention my original amount due and paid. So, it looks as if I just defaulted on an entire loan. This violates the Fair Credit Reporting Act, and immediately reduced my FICO score by 40 points. I have complained to them, but do not expect any follow up action. Given their fraudulent credit cards exposed recently, I think that the culture there is rotten throughout. There is no way I can really be made whole. I am going to buy a share or two and attempt a shareholder 's derivative suit, as wells as sue in Federal Court for these violations, but know that I can not stand against this " too big to fail '' behemoth. Please assist. I am not alone here, just feel like it. I do not want money, but rather someone to stop Wells Fargo from consumer lending, and the Board of Directors answer for this rotten culture. The should be removed for fiduciary violations and corrupt practices.
I bought a television and some equipment at Best Buy. They offer 24 month, no interest financing on a Citibank sponsored credit card. 

No where on the statement does it show the minimum payment needed to avoid finance charges. However, the statement shows a payment of {$2.00} less per month than the minimum payment avoid finance charges. 

If I were to pay {$2.00} less than the minimum for 24 months, it would trigger {$1600.00} of interest. In other words, an extra {$2.00} paid per month over 24 months, which is {$48.00}, saves {$1600.00} of charges. 

I don't know if this is a Best Buy practice, a Citi Group practice, or both, but it prays on the financially unsophisticated. I spent about 30 minutes on the phone with them to clarify what was a very deceptive statement. 

It should be mandatory to disclose the minimum payment necessary to fulfill the terms that were offered.
This is a complaint against the department prevensin fraud credit card Costco, the reason for this is the lack of respect towards me and discrimination, for no reason have blocked my credit card and to check if I am the owner of the card. I have been asked a number of papers that have no problem in supply and in fact send by fax, and have called multiple times to see if it was reviewed your request, and just tell me represent we have not received anything yet. that brazenly tell me in my face liar. In view only tease me saying that you have not RECEIVED nothing and that in such case they how many days it takes not to receive and review them, reason that makes me go to this department to provide a complain to expedite this as pc they are a serious department. I feel cheated with this situation as it is the second time that make me, a representative of the department fradude was very rude and inconsiderate when I explained that I am traveling and as he had no such contact me I had to block the account I told her to call me a mobile phone and could receive text however did not want to do the review and that because my phone XXXX not registered when that phone has always been in my accounts citi Bank and the house and I said I had my house extension and received calls and either and for this reason XXXX XXXX put my card into research and I find travel and caused me a very unpleasant extres.
I was enrolled in the Nationwide Biweekly mortgage plan from XXXX to XXXX. Because of the disruption in payments due to their closure, it has left me paying enormous fees to my lender, XXXX Bank. I also had to pay a set up fee and other fees to Nationwide on a regular basis. I wish to be compensated for the fees leveed by this company and the so-called promises of paying off my mortgage early.
My current subprime mortgage provider is OCWEN. I have a 15 days grace period to pay without late fees. However, it is only available before and up to 10 days after your due date. Between the XXXX15 days in order to pay online, we are charged a {$10.00} fee. I have tried mailing my payment to avoid the {$10.00} fee but always they claim they did n't receive it which makes it worst because then it is a 5 % late fee. If I have a 15 days grace period then it should be free to pay online.
On  XXXX   XXXX ,  2017  I sent Executive Credit Management , Inc a certified letter regarding an account reporting negative to my credit report. The company stated that I owed them {$1200.00}. I do not know this company nor have I ever did business with this company so I sent a validation letter requesting what I owe, how the amounts were calculated, copies of papers that show that I agreed to pay what they claim I owe, and I also requested their license to prove that they can collect in my state. On  XXXX   XXXX ,  2017 ,  XXXX   XXXX  from Executive Credit Management , Inc replied to my letter with confirmation that she received a notice from   XXXX   credit bureau regarding my dispute and attached a statement balance  and two papers  from a lease from another company which indeed stated nothing about Executive Credit Management , Inc. Which in no way was validation to the debt I allegedly owe. On  XXXX   XXXX ,    2017  I requested for t he SECOND ti me debt validation with proof of a full lease and legal documents with my signature in contract with Executive Credit Management , inc company or remove the alleged debt from my credit report immediately. On  XXXX   XXXX ,  2017  I then receive another letter from  XXXX   XXXX   ( Manager )   at Executive C redit Management dated  XXXX   XXXX ,    2017  that she received my request for documentation validating a listing on my credit profile for a collection. She is now claiming that the account number is missing the last  XXXX  numbers and she needs more information to find my file, the date they reported this account to my credit report, and the amount of the collection they say I owe.  XXXX   XXXX  mailed me a letter on  XXXX   XXXX ,  2017  with the valid account number from my credit report and when I asked for validation again on  XXXX   XXXX ,  2017  now she is unable to locate my account and now she needs more information from me. I have requested validation twice from this company and I am dealing with the same person,  XXXX   XXXX   ( manager ).
Again, as per complaints # XXXX, # XXXX and # XXXX Trans Union is not reporting proper scores even after 2 weeks : my score has increased only by XXXX points to XXXX as of XXXX/XXXX/2016 ( as opposed to the XXXX they sent to me 2 weeks ago ) even though nothing has changed with my credit accounts or credit utilization. Supporting documents attached.
Hi there, I disputed inaccurate information on my Equifax credit report twice in  XX/XX/XXXX  ( confirmation #  XXXX   ) a nd  XX/XX/XXXX  ( confirmation #  XXXX   ). It  was about unauthorized hard inquiries. I asked Equifax to provide a verifiable proof I consented to these inquiries via FCRA se ction 609 and 605 as well as the accuracy of them via FCRA section 623. I asked them if they have no proof of any or one, I would like these inquiries to be removed immediately. I received the results from Eq uifax and they didnt provide me with such proof and kept reporting those hard inquiries as inaccurate information. According to FCRA the following hard inquiries should be removed immediately : Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :   XXXX   XXXX   XXXX    Date :  XX/XX/XXXX  Thank you
My mother passed away in her sleep, in her apartment in XXXX, IL, XXXX XXXX on XXXX XXXX, 2016. Her soon to be ex husband, who is on XXXX in Florida, is on XXXX filed for legal and financial separation after she left him about a year earlier. The decree was to be finalized towards the XX/XX/XXXX. He has no money and could not have done anything concerning the arrangements. She has a sister there ( XXXX XXXX ) who was trying to deal with everything although she has no money either. There remains only my sister and I. I being the eldest I stepped in for my Aunt 's sake. I paid for everything, the cremation, memorial, etc. I paid for my flight there and my stay there to try to take care of things. I also had to pick up the car, pay it off and drive it back to XXXX from Illinois. What remains to be resolved is the small checking account at PNC bank. In there is {$2700.00}. Social Security removed about {$XXXX} which they had just sent her so now there is the {$2700.00} left. Social Security removed this after I let them know that she passed away. I informed everyone, having the death certificates and providing them, that my mother passed away. I was originally told by PNC while I was there that I could hand write and notarize a document declaring that I will be handling her affairs as she left nothing, no instructions, will, POA ( except for what to do with her remains ). Someone else was supposed to have taken care of her remains ( POA ) but they did not, so it was left to me. My sister does not want to be involved although I have included her anyway. So PNC has told me that they need documents stating that they can send me a check for the balance of her account. They also told me the death certificate and the hand written notarize letter which they told me to produce would not resolve this. I spoke with many people at PNC to try to resolve this. So after several phone calls to the State of Illinois and OCC, I have been referred to you folks. I am hoping that you can help. They ( PNC ) told me they will hold on to the money for 4 or 5 years before releasing it to the state. It is not their money and it is easy to prove that I and my sister are her remaining, living children. Obtaining a lawyer would take much of the money so it would only add to the frustration. Filing a Small Estate Claim requires that I be responsible for her outstanding Credit Card debt. Not an attractive idea. I have not contacted any of the CC companies. There are no PNC branches out here in XXXX.
Experian credit report prepared for XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2017 Credit Reporting Bureau Dear Sir or Madam ; I disputed the referenced accounts above on ( date you sent them original dispute letter ).  The credit report of ( date you received notification it was removed ) the letter sent to me by you shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

The item Debt Collector Original Creditor Balance Owed Credit Items XXXX/XXXX  Account Number : XXXX .... 
Outcome : Deleted - This item was removed from your credit report. Please review your report for the details. 
Per previous dispute Furthermore this account is a fraudulent account and need to be removed immediately *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX DOB XX/XX/XXXX
Pentagon Federal Credit Union has been trying to collect on an debt that I do not owe for the past two years. I have been a victim of Identity Theft and have tried contacting the credit bureaus and Credit Union via mail and phone to inform them of that. Pentagon has hired 3 companies to collect on this debt and I do not believe that is legal, because I have never given either of these companies to input any information to my personal credit profile.
Wells Fargo is constantly trying to add additional products and features to my account. I have a checking and credit card with WF ; they asked if I wanted to link the XXXX in the event of an overdraft the credit card would serve as my overdraft protection. They sold it as, do n't ever get denied at POS and do n't worry about paying returned check fees. Money transferred to the checking account to cover a transaction is done as a cash advance and paid at a higher interest rate. The credit card allows for a cash advance feature, which is just borrowing funds at the higher rate, but no charge. When money is advanced from the credit card with the overdraft protection feature, it is done so with a considerable fee. I think the fee is a way of WF layering fees and costs because they can. Obviously this is n't requiring anything more than electronically transferring of funds, which is a option without fees. Again, I can transfer money or take a cash advance at no charge, but due to an overdraft ( where I am obviously short funds ) I am being taxed by the fee and the additional higher interest rate. I think that if WF offers the " Protection '' they should be limited to collecting the higher interest on a cash advance and not be able to charge a fee.
Date XX/XX/XXXX. Amount XXXX. This debt is a collection company Steven A Booska Attorney at law, the debt is for a federal student loan, which is in for bearance with a server XXXX, the 2nd account is a personal loan with XXXX XXXX XXXX, that has been discharge under bankruptcy in XX/XX/XXXX I have sent all documentation to this collection, company, they have refused to except any of the documents, they keep sending, letters that are not appropriate and harass and using threating tactics, please help.
I have requested my free annual credit card thru Annual Credit Report ( XXXX ) two time in XX/XX/2018 and still have not received the report from Equifax. I requested on XX/XX/2018 and again on XX/XX/2018.
I understand that I do owe for the credit card, I 'm not denying that. However, when I called a spoke with a representative from the law office and explained that i am the only one with income. I told her I was willing to pay XXXX to XXXX dollars a month. She told me that was unacceptable. Next thing I knew they went into my bank account and took all my money. I have absolutely no money, no food,, light bill is due, car insurance, and other bills that I automatically have taken out of my account. I could understand if they took some, but, they left my account with a zero balance. I guess my question is can they do that?
My name is  XXXX   XXXX .  Nelson, Cruz & Associates  debt they claim I owe, but I have been unsuccessful trying toget a proof of their claim.     Please find below a copy of the letter I 've sent them :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX  XXXX  XXXX   XXXX   XXXX ,   XXXX    Nelson, Cruz & Associates  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Filed Dispute to  XXXX   XXXX   XXXX   Nelson, Cruz and  Associates In regards to my previous conversation with your company regarding : File No :  XXXX  Debtor Id :  XXXX  Client :  XXXX   XXXX   XXXX  Creditor :  XXXX  Current Balance : {$7000.00} Client Claim :  XXXX  Reference to your pdf email  XXXX ,  XXXX    XXXX  .     I did not agree to any such paymentnor authorize you or any company you represent for a payment of {$2000.00}. Your request seemfurnished anddeceptive. And I do perceive your business practices as unfair.   Your business practices is aggressive andviolated federal law.   Im hereby asking you again for PROOF of your claim.   Additionally, I have found grounds to conclude that your company is misrepresenting itself and making up threatening actions that are illegal. None of these practices are lawful.   Validation of debts and Fair Debt Collection Practices Act You did mentioned the validations of your claim by anexecutive order and that  XXXX  was under auditboth documents asreasons you claim validates your claim.   I asked you for both documents which you have refused to address.   None of these intentional frequency and persistence of noncompliance practices by companycomplies  XXXX   XXXX   XXXX  Practices  XXXX  by federal trade commission in reference to you letter dated  XXXX ,  XXXX    XXXX  .   In this regards I am hereby asking your company or the company you claim you represent to once againadresse myprevious request.   Please send me a documented PROOF of your claim.   Acquisition of location information Your Company Email letter heading is confusing and in regards to this I also want to know if your company i s Nelson, Cruz and Associatesor  XXXX    XXXX     XXXX or both?     Thank you,  XXXX   XXXX .
Got a loan at Advance XXXX in XXXX, TN. was under the impression like every place you go you get a one time fee not a fee everytime you make a payment, been paying on this loan since XX/XX/2016 and has not got down not even a couple hundred have been paying {$200.00} e/o week and statements show i pay a customary fee of {$170.00} each time this is ridiculous how can they do business this way I 've paid more of customary fees than interest at this point, I also asked them about the installment loan which i thought that is what i got into looks like they did n't even do what I requested because they are just out to get people that dont know any better, I 've never had this happen to me before its really ridiculous that I owe more than what I actually borrowed 4 months later
50 States business permits scams and IDs scams frauding my documents Frauding scams using XXXX XXXX XXXX of XXXX XXXX Indiana of my documents of birth of XX/XX/XXXX Frauding scams using my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams frauding my brother documents of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of XXXX XXXX of XX/XX/XXXX Indiana XXXX XXXX Indiana of XX/XX/XXXX
I just received another equifax credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my express account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe XXXX.
The account I 'm discussing was in my XXXX husband 's name with my card as an additional member for a Citibank XXXX membership. In XXXX I did not receive a statement, and knowing I had a balance I called Citibank to obtain the amount of the balance. I advised Citibank that my husband was XXXX. 

The XXXX membership was to be renewed in XXXX so I had continued to use my card, knowing that at renewal, I would have to change to my name. 

The person I spoke to at Citibank on XX/XX/XXXXXXXX XXXX XXXX told me that he would immediately close the account and gave me the information to mail the balance which was not due untilXX/XX/XXXX 

On XXXX XXXX at XXXX XXXX I received a call on my house phone from a company called XXXX XXXX. I did not respond. On XXXX XXXX I received a call on my cell phone from the same company. I XXXX the company and read of many complaints of harassment, especially by XXXX and with connections to Citibank. 

I received a letter from XXXX XXXX dated XXXX XXXX requesting confirmation of the person responsible for my XXXX husband 's estate. 

XXXX XXXX, I called a number which had been given me by the representative at Citibank for " XXXX  Recovery unit ''. One of the prompts at that number ( XXXX ) offers XXXX XXXX. 

I contacted Citibank customer service XXXX to ask if my husband 's account had been turned over to a collection agency and to say that I suspected fraud, the representative transferred me to XXXX XXXX. I spoke to XXXX and offered the reference # on the XXXX XXXX letter. I was advised the call was being recorded. I was asked for dates of birth and XXXX of my husband. I asked the reason I was being contacted and she advised she could not tell me! She did finally confirm the account was Citibank. I explained it seemed like a scam and I would be reporting the contacts to government agencies. She said she would remove my phone numbers and ended the call. 

The balance has been paid on the Citibank account, but the harassment should be acknowledged.
I have a credit card with AMEX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with American Express. I tried contacting both XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
We had a home that was foreclosed on back in XX/XX/2012, and we are no longer in possession of the home. To this day, BMO Harris is still calling our son, XXXX XXXX, and leaving messages on his voice mail about collecting monies owed on this debt. Our son was not involved in the financing of this home in any way, and has nothing to do with this mortgage. It is illegal for them to be contacting him about this debt. We never gave BMO Harris his name or phone number as a contact. It is completely illegal what they are doing.
The bank that holds my mortgage is showing my account as 30 days late from XXXX 2017. I explained to them that it was an error on their part but they did n't reflect my account in good standing. I take pride in making timely payments and wou me appreciate your help with this matter.
Lexus financial is taking 2 payments per month out without my authorization because of an accounting error on their end. additionally they have cost me overdraft fees and they refuse to reimburse me.
I have made 3 phone calls to the credit collection agency, CREDIT MANAGEMENT, L, advising them that my debt with XXXX was discharged as part of my chapter XXXX filing MY case number with the collection company is XXXX and I spoke with XXXX XXXX - Supervisor in XXXX MN, who promised to address the incorrect reporting but to date no attempt has been made by CREDIT MANAGEMENT, L, to remove the erroneous reporting on my credit report. The debt has been discharged and XXXX XXXX should not be trying to collect on a discharged amount.