WillisBack/dataset-financial-user-claim huggingface dataset:
During the past three months, XXXX has been reporting to the credit bureau 's that I have been 30 days late. This information is incorrect and false as XXXX raised my monthly payment of my loan without my knowledge and without informing me. I continued to make the monthly payment that I was making since day one. Prior to this, I never had a late payment that was posted on my credit report from the XXXX. I have contacted the XXXX where I get nothing but disrespect and people that are unwilling to clear up this problem. I challenged my credit report as which time Experian did n't delete the late payments.
I have double charges by merchants, and very large unacceptable fees by bank. 

I have had double charges by merchants for many many years, this has caused my banking to become a full time job.
Experian Credit Report shows a hard inquiry from XXXX XXXX in XX/XX/XXXX. I know for a fact that I have n't authorized anyone to pull my credit since XX/XX/XXXX. Contacted Experian and they said I have to contact the company directly. Called the number listed on the Experian report and the number is disconnected. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXXMultiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names
I believe I am the victim of predatory lending practices and was taken advantage of during a difficult time in my life. 

While I only needed a lesser amount than the loan I got, I was convinced to take a much larger loan, which I am struggling to afford now. 

I only needed about {$3000.00} but was convinced by the agent on the phone that the {$10000.00} loan was a better deal and I should take it ( I only received about {$8000.00} in funds ) I did and am being charged over 75 %. 

I took out the loan in XXXX of 2017 and have made all of the payments so far ( about {$670.00} per month ). The company has already made it's money back on me and I feel they took advantage of me last year in a time of need. 

I had gone into debt by being out of work from XXXX through XXXX of 2017, going through a second divorce, and was about to have XXXX XX/XX/2017 in which I would have to take unpaid time off of work from a job I had just started. 

I would not have taken out such a large loan amount if not talked into it by the loan agent and am complaining to get my principal reduced to the original amount I wanted ( {$3000.00} ). 

Can you please help? 
Thanks, XXXX
Notified Capitol One that I was charged {$30.00} for an order placed with XXXX XXXX. 

I indicated that I did not receive the merchandise ordered and requested a credit to my account in the amount of {$30.00}. 

I was issued a temporary credit. 

However, several days later I received a letter from Capitol One with two ( 2 ) pages of questions, including The reason for my dispute -- -I had already done this A detailed description of what merchandise I ordered -- -what difference does this make, I did not receive it Why was the merchant unable to provide the merchandise -- -How am I supposed to know this Describe the merchants return policy -- -not applicable, I did not receive anything to return In addition, there were several other questions. 

Capitol One 's practices are far different than any of the other credit cards I deal with. 

With any other credit card once I dispute the charge and give a reason, the credit card company then submits this information to the credit card company, and they have a certain amount of time to respond or the temporary credit is made permanent. 

Why should I be incovenienced to provide all of this addiitonal information when it is most likely had my original dispute been forwarded to the merchant, they would not have disputed it and I would have been issued a permanent credit. 

The reason is clear, it is to put the burden of proof on me rather than the merchant. 

I am requesting a response from Capitol One
XXXX XXXX has been constantly calling me even after i told them last year to stop calling me. I have also disputed the alleged debts via certified mail and with the credit bureaus. The company did not provide any account information. All they provided was a computer printout stating that The account has been Sold to XXXX XXXX XXXX They did not provide any contract or any account statements as they are Ordered and Required to do Pursuant to the CFPB Consent Order from XX/XX/2015. Midland continues to collect on debts that they can not provide proof of and harass consumers when told i was busy at work and not to call. This is my final attempt to resolve this issue before getting a consumer protection attorney involved.
XXXX has referred a bogus debt of XXXX to a third collection agency. This has a been the subject of a prior claim with you~and supposedly resolved, only to arise again. See claim #XXXX and #XXXX.Also XXXX and .....XXXX. The XX/XX/XXXX response indicates that the matter has been resolved. This third inquiry and demand for XXXX is harassment and is intentional on behalf of XXXX. Please stop this.
Almost 1 week back, I withdraw XXXX from my WellsFargo account to deposit the money in my XXXX account. The reason I wanted to move money was to avoid penalty charge on the " XXXX '' account for not having minimum balance. 

I could have chose to deposit the check but as I was nearby the bank and did not have check book with me, I chose to withdraw actual cash using my debit card and deposit it into " XXXX '' bank XXXX ft. away. I was given with XXXX bills of {$100.00} each in an envelope. I walked to the nearby " XXXX '' bank and tried to deposit the money via ATM machine in the lobby with the help of bank representative. Only XXXX bills got accepted and XXXX got rejected. The rejected money was then taken away by the representative and deposited manually. I returned to home and got a call from the " XXXX '' bank that the bill that was rejected was counterfeit bill. After I explained that the money was withdrawn from Wellsfargo bank the teller suggested me to go back to wellsfargo and ask for an exchange. He also gave me his business card in case wellsfargo bank representative wants to talk to him. 

On returning to WellsFargo, they refused to accept the money. They say as the money was out of door they can not guarantee it. How could anyone check so many bills before they leave the bank. And where would I get XXXX counterfeit bill. I simply trusted the bank I bank with. I trusted their teller and I trusted their counting machine. 

I suspect, one of the employee mixed it after accidently accepting it from someone. Or there could be another organized group within the bank similar to the wellsfargo fraud that got publicized today. I do n't know. All I know is, I lost {$100.00} for nothing. 

I had been member with WellsFargo for 10 years and they could not trust me on {$100.00} bill. There is no way I can trust this bank any further.
These derogatory reports were medical bill that my lawyer was supposed to pay. When these reports showed up on my credit report I paid them right away to preserve my good credit. As my credit report shows I pay my bills on time 100 % of the time. These reports need to be eliminated because I was not aware my lawyer had nor paid these bills ( the total medical bills to be paid are {$10000.00} ). I want these derogatory reports removed as they are not due to any negligence on my part.
On several occasions now, Regions Bank, XXXX XXXX, XXXX Ga. where I opened the account, has taken money from me in the process of my using their services. This has become habitual. Currently, the bank on both XX/XX/2018 and again on XX/XX/XXXX of 2018, the bank withdrew fees, ( 3 ) in total in the amounts of {$36.00} dollars and then {$72.00}. The fees are for NSF charges and the account was NOT over drawn on any of the days and dates they did this. It is as if they are using my account like a cookie jar for their own use. I called and argued the fact back in XXXX and proved the account was not over drawn using the banks own statement for the day and days surrounding the debit, and they STILL refused to return the money. Getting away with this, they apparently feel free to do it again. The money missing this time prior to my realizing what they had done did cause my account to over draw a week later, by their construction, and a snowball affect of their taking more fees! THEY HAVE BLATANTLY STOLEN MONEY FROM ME, practice methods to then force and cause an infraction ; AND THEN TAKE THE POSITION THAT I CAN'T DO ANYTHING ABOUT IT! Can you please file a formal complaint and help me. I'm fed up with their many practices.They have at one time back in XXXX solicited me to use their bank to bank transfer funds process which, when I followed through in the amount of more than {$600.00} dollars, ( two separate transfers, and I paid a monetary fees for the service ) .... the money never showed up into the other bank. I waited days. When I attempted to located the transaction online within my statement, Regions took away my ability to access my account online. The tech department couldn't even get me a new pass word or fix the issue. After a week and in visiting the bank in person because the money just " disappeared '' and the bank refusing to return my money, I went to a lawyer and within several days I was back online and the money was returned. However, they are apparently now at it again. If they are bullying me and stealing from me, I'm sure I'm not the only one. I have photo copies of my bank statements and will attempt to forward them here if possible. 
Thank you, Ms. XXXX XXXX The Artists XXXX XXXX  XXXX ( XXXX ) XXXX Cell ( XXXX ) XXXX Business
Capital One 360 twice on XXXX XXXX, 2016. His sole purpose in making these calls was to insure that a deposit made on XXXX XXXX, 2016 had cleared, and therefore that it was safe for him to rely on those funds. The deposit was an advance from a new job, and XXXX XXXX wanted to be absolutely certain to withdraw the funds. 

For this reason, he called not once, but twice. During each of these calls, representatives from Capital One 360 assured XXXX XXXX that the funds were completely safe and that there was no way that the deposit could be reversed. Based on both of these representations, XXXX XXXX withdrew this money from his account. In fact, the deposit was later reversed, causing XXXX XXXX 's to lose the money that had previously been in his account, and resulting in the closure of his account and a negative balance. 
had a balance of {$1700.00} in his checking account and {$1100.00} in his savings account. On XXXX XXXX he deposited the check for {$3800.00} into his checking account. Then after the assurances from Capital One 360 's agents, withdrew {$3500.00} from the checking account. This left a balance of {$2600.00} in his checking and {$1100.00} in his savings account. On XXXX XXXX, 2016, the deposit was reversed and the balance of {$2600.00} in his checking was seized by Capital One 360. Capital One 360 has frozen XXXX XXXX 's savings account and is attempting to collect an additional {$1100.00}. This amount to a loss of {$3800.00}.
XXXX XXXX XXXX XXXX LAKESIDE PL XXXX CA XXXX SSN : XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor 1 XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX  XXXX XXXX, SC XXXX
We are victims of dual tracking while in-review. 
Submitted a completed package, in letter dated XXXX XXXX from BB & T and received XX/XX/XXXX by mail, BB & T asked for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package to be submitted in XXXX days. On XX/XX/XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date.
I received a letter from Citibank on XXXX XXXX, 2016 informing me that they had closed my Citi XXXX credit card. The letter stated no reason as to why the account was closed other than " we have a right to close the account '' nor was there any number to call. The only way I can contact them regarding the letter was to send a letter to their XXXX XXXX in XXXX XXXX, SD. I then received XXXX more letters within a week of the first stating that XXXX other credit cards issued by Citibank had been closed also. Again, no reason was given. I have never had a single late payment on any of the XXXX credit cards in the entire time I have had them nor has any payment been returned ever. In addition, I had accrued {$1700.00} rewards on my Citi XXXX XXXX credit card and now I am told I am not able to redeem those rewards since my account had been closed. As far as I know, I had not violated any terms of the agreement so I am entitled to those rewards. Those rewards were earned while my account was open and in good standing. I sent a certified letter to the Executive office dated XXXX XXXX, 2016 asking for a reason as to why my account was closed and as to how I can redeem my rewards. That letter was received by their office on XXXX XXXX, 2016 and signed by XXXX XXXX. As of the date of this complaint, I still have not received a response from Citibank.
For the past few months I've been getting calls many times throughout the day. They never leave a voicemail.I have a busy schedule and its hard for me to answer calls. They have reached out to every single family member, my in laws and even people that I don't associate trying to reach out to me. My family members and myself feel harrassed for all these ongoing calls. At first I waited for at least something to come in my mail regarding this debt but never received one. I do not feel comfortable giving my information over the phone to someone that can not provide any proof, especially if I can not find a website of them.
I was directed to take a forbearance and also went into default instead of working out a better payment plan. Once this happened my loan almost quadrupled in amount. I have n't received any help getting the interest rate lowered or offered any better repayment plans even though my credit is much better now and my payments are all on time. 

The only debts I have are student loans and a house payment ( no credit cards ) and even though I work many hard long hours and have a well paying job I still struggle and live paycheck to paycheck. I graduated college in 2005 with a XXXX only and I am still currently paying XXXX dollars a month in student loans alone.
I was eligible for forgiveness but there a very few non for profit XXXX left which makes it impossible to take advantage of thos. I've been paying for over 20 yrs now. As a XXXXXXXX XXXX I fall under the provision. My loans were sold without my knowledge and that is hampering getting help as.well. Any help would be appreciated. Thank you
I submitted a qualified written request for review for a Deed in Lieu on  XX/XX/XXXX . Today, I was told that I would not receive a qualified written response to my inquiry as required by RESPA. In speaking with HUD with regards to the liquidation of my property, I was informed that a standard Deed in Lieu of Foreclosure ( DIL ) was at the discretion of Lender. The Lender has out right refused my request for review, citing that there are credit requirements, however, when directed to HUD 's guidelines, the call center agents state that it is not for them to review. Each time I call in, I get a variation of knowledge and experience. Those who are in the know understand that a streamline DIL has a minimum FICO requirement, however, a standard DIL does not. I understand that my FICO is too high to qualify for a streamline, but would qualify for a DIL if the lender would be willing to move forward. As stated above HUD confirmed the information contained in 4000.1 Section III.A.2.l.iii. ( B ) ( 2 ) ( a ) - ( c ). I stated several times on my call that it was a RESPA violation to not respond to a written request in writing and was told " I 'm not in the legal department ''.
I have been receiving numerous calls from Oracle Group in XXXX New York telling me that if I did n't pa them by the XXXX warrants were going to be issued for fraud and several other charges. I thought his was odd and stopped all contact because I have n't received any letter indicating this debt, ever. Then they proceeded to call my workplace and told them the same thing about the warrants for fraud. I do n't believe this is an actual debt that i even owe and they are extremely aggressive on the phone. Threatening me with jail and lawsuits and telling me I need to keep my dogs put up for their own safety. Their names are XXXX XXXX and XXXX XXXX XXXX
Portfolio Recovery associates, junk debt collector trying to collect on a debt that was discharged in bankruptcy in 2005.

Calls repeatedly numerous times of the day. Have explained the debt was discharged in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.
I asked BMW Financial services for an extension on my lease pmt back in due to a medical emergency in XXXX to which they replied that could not be granted in a lease but the offered if i made a pmt then, they could change the date to give me time to catch up. I agreed and made the pmt and the change of date but instead of benefiting me they added another pmt. they violated the agreement and multiple managers agreed, but as of today after keeping my original agreement I do remain in a constant almost 30 day past due incurring fees.
XX/XX/XXXX- Called the XXXX Doctors office in XXXX to request information of debt and they could not locate the amount owe. Promised to call back with information but never did. 
XX/XX/XXXX - Called XXXX again and this time the operator asked me to leave a voicemail to the financial department since she could not locate the amount I owe. I attempted to make the payment online too from the bill I had received in XX/XX/XXXX but could not process the payment. 

XX/XX/XXXX - Again called XXXX and was informed that charge must have been resolved with the insurance company XX/XX/XXXX - Charge of {$75.00} dollars delinquency appears in Credit Report ( Score was XXXX and now its XXXX )
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX and financed by Credit Acceptance.  XXXX is contact and owner of XXXX. In reviewing the Bill of Sale fees not discuss pre-delivery fee of {$190.00} and GAP {$630.00} include in sale totaling {$6600.00}. The vehicle was already on the lot AND I feel I was overcharged for the vehicle. I was under distress when I purchase this vehicle. After the down payment I owed {$5600.00}. Time of purchase the vehicle had over XXXX miles. I lost my job in XXXX and begin to struggle with payments. The vehicle was repossessed by Credit Acceptance on XX/XX/XXXXXXXX. I tried calling on a few occasions to make payment arrangements. My son just started a job and was getting first pay check on XXXX XXXX. I would have been two months down after XXXX. I asked Credit Acceptance to give me till XXXX XXXX. I was told by customer service they would call me back instead they pick up vehicle and repossessed. I had over {$2000.00} of nice stuff in vehicle because I was in the process of relocating and Credit Acceptance took my stuff. They did not send a letter or any information on repossessing vehicle or letter stating they were repossessing the vehicle. Now, Credit Acceptance has placed me in the Credit bureau claiming I owe on the vehicle that is no longer in my possession.
Equifax Complaint : They show 2 credit inquiries from XXXX that were not mine. First on XX/XX/2018 and second on XX/XX/2018. I've disputed it with both Equifax online and the results were and they said a credit inquiry can not be manually removed. I've called equifax several times and they have not removed and done anything. 
On XX/XX/XXXX I have set up a fraud alert with all credit agencies, nothing show all the other agencies only at equifax. 

Fast forward I received a notification my credit was pull again by XXXX XX/XX/XXXX. Again, i have not authorized or applied for anything. I called XXXX fraud department at XXXX and was told the same information. No account was created with my info. 

XXXX Complaint I've contacted XXXX fraud department several times at XXXX. They say no accounts have been created on my name and perhaps this is just a reporting error. They keep on telling all I can do is go to their website and file an inciddent. 

Neither XXXX or Equifax seems to be wanting to resolve the reporting issue and update my records.
Through several rounds of correspondence ( beginning XX/XX/XXXX and ending XX/XX/XXXX ) with Portfolio Recovery Associates , LLC ( a debt collector ), I have insisted on the verification of a debt they are trying to collect. Despite the Fair Debt Collection Practices Act ( specifically 15 U.S.C. 1692g ) giving me the rights to 1 ) the names *and addresses* of original/current creditors and 2 ) *a copy of the verification or judgment against me by the original creditor*, Portfolio Recovery Associates , LLC has failed to properly validate this debt. As such, Portfolio Recovery Associates , LLC is breaking the law. 

In addition, Portfolio Recovery Associates , LLC lists the date they purchased this account as XX/XX/XXXX. In my last correspondence, on XX/XX/XXXX, I requested a full payment history since they have purchased the account ( which, on each of their identical form letters, they invite me to request - but did not provide in their last correspondence on XX/XX/XXXX in response to my request ). According to the statute of limitations on debt collection in Nevada ( where I live ), the maximum time a debt collector has to collect a debt is XXXX years, depending on the type of debt ( NRS 11.190 ). Even if the debt were mine ( which I am not admitting to, as it has not been properly validated ), Portfolio Recovery Associates , LLC is deliberately refusing to allow me to prove that the statute of limitation on debt collection has been passed on this account - and that by attempting to collect it, they are breaking the law.