WillisBack/dataset-financial-user-claim huggingface dataset:
I do not know what to do, I placed a fraud alert on all three of my credit files but someone is still accessing my credit through Experian. I want these remarks removed I DID NOT APPLY FOR ANYTHING. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
I am a 6 year, 2 car lease customer of XXXX.Despite logging in to pay my XX/XX/XXXX bill, the payment did not post ( 1st time in 6 years ) .Emailed President of XXXX . A " special IT investigation " was launched to see if there is any evidence of logging into pay XX/XX/XXXX payment as the VW Financial Agent " XXXX '' said that if they see I logged in on the day I said that would show intent and that would substantiate that I tried to pay my bill. They called me and said the report shows I did login like I said I did. However, the report coincidentally stopped short of providing what they deemed necessary to show " intent ''. They said the report shows I logged in on the same day I have for XXXX past 6 years. However, they didn't release anymore info and closed the case. I requested a copy of the " IT Investigation '' report. They then stopped returning my calls. I feel not only are they hiding information needed to clear report, but they are also retaliating for a prior lawsuit I had with them in which I prevailed. My credit has seriously suffered due to this incident. I want to subpoena the reports and clear this false late payment. 

Based on their logic they are saying the following : I did in fact login as I said I did on the same day I have for 6 years prior to pay my bill. However, this time I intentionally decided to not pay my bill after logging in, ruin my long standing perfect line of credit with them, and logout. 

This is ludicrous. I now can't purchase a home as I intended this year, a new car since my 2nd XXXX is up in a couple months, etc etc. This is not right and I want this false report removed from my account.
Over the last several months I have made numerous efforts to get information corrected on my credit reports. I have contacted both the creditor and the credit bureaus and they have refused to property investigate, update, and send a method of verification to specifically tell me how the information was verified per my right and request. XXXX XXXX responded to my complaint as being actual and correct with the actual contract. In that contract it shows that the total amount of my payments were {$21000.00} but yet are reporting my high credit as different and a lower number to the credit bureaus. Additionally XXXX XXXX stated that they have consistently reported the same information to all 3 credit bureaus. Not only has XXXX XXXX been inconsistent in reporting my payment history correctly they have changed some positive some negative history between all 3 credit bureaus multiple times. The last payment on the XXXX account is reporting 30 days late. I had bought a new vehicle and the new bank XXXX paid off the account. It was my understanding that XXXX would have had the payment in before it was 30 days late and was not a fault of mine if is was received late. My payments had been on time as reported and I asked XXXX XXXX as a good faith effort to either not report that month or show as paid on time and they refused. The errors, inconsistency, failure to properly investigate, send me a specific method of verification as requested is not only hurting my credit, score, it is a direct willingness to violate my rights under FCRA. I have attached proof of my complaints for your review. I demand this be corrected at all 3credit bureaus within 15 days for the date of this complaint. Updated credit reports sent to my mailing address will be expected.
Hello, On XX/XX/XXXX and XX/XX/XXXX I made 2 deposits into a Chase Atm machine. At the time of the deposits, the bank was not open and I needed to exchange small bills for larger bills. For one transaction, I deposited {$900.00} in small bills ( {$20.00} bills ) in exchange for 9 hundred dollar bills. For the other transaction, I deposited {$400.00} in small bills ( {$20.00} bills ) and did a XXXX  online transfer from an outside account into my checking account for {$100.00}. After the {$100.00} online transfer and the {$400.00} deposit, I withdrew the {$500.00} in 5 hundred dollar bills. After checking my statement, it showed that I withdrew the {$900.00} and the {$500.00} but my statement is missing a deposit of {$500.00}. I contacted Chase and they did an investigation and temporarily provided me the {$500.00} they lost. After their investigation, they removed their {$500.00} and closed my case saying they did not find that deposit. Someone from this company took my money and I would like to open an investigation. 

Thank You.
My mortgage was transferred from Ocwen to XXXX XXXX on XXXX XXXX, 2016. The escrow amount at that time should have been XXXX. The escrow amount at that time was XXXX, and that amount was transferred to XXXX. Numerous phone calls has not yielded a return of the funds. Your assistance is needed to remedy this situation.
I have a bank account with U.S. Bank. I have made payments to companies where I tell them it is a " one time payment only '' and not recurring, etc. I have called US Bank to tell them not to let the charges go through. They tell me that they are doing a stop payment or that they will not let this happen and they do it over and over. They are letting everything go through on my accounts causing a great amount of overdraft fees. I now have to miss a wedding due to a XXXX overdraft fee on a XXXX charge. I have been assured in the past that this would not happen and it does over and over. I feel like they are doing this to obtain fees out of me and thousands of over customers. I am tired of fighting things and the bank not listening to me. They love to overdraft my account or forst post items to overdraw me. I feel that there are banking violations taking place.
yes my dad open a military star card in my name with out my promission I try to tell them it was my dad who did it but they are still trying to make me pay it they say I 'm reliable cause my dad used my social security number but the paper they sent me of the account show none of my signature it show my dad and his ex wife my ex step mother the bill keep going up and I not reliable for it cause I 'm not the one who open it and I never knew it was open until I check my credit I try to dispruting but they would n't let me when none of the signature are my that was use when using the card and I was told that if I do n't pay it they will take my tax return and I wont see a penny back from it this need to stop I should have to pay something that I did n't do and this is a military a government program for a shop on XXXX XXXX and XXXX bases so why is the government try to take money from me that I do n't owe them I did nothing wrong and this is unfair plz help me
I consolidated my student loans thru Discover and they are charging me 9.950 % interest. I have asked them to refinance but they refuse I am at the point I am going to default on this loan
CREDIT REPORTS SHOWING A 30 DAY LATE XXXX 2015. WHEN I PURCHASED CAR, WE WERE GIVEN A 0 % INTEREST FOR 75 MONTHS AND FIRST PAYMENT DUE IN 90 DAYS. WE TALKED OF THIS VERBALLY. BECAUSE IT WAS NOT WRITTEN IN CONTRACT THEY DID NOT HONOR THE 90 DAY NO PAYMENT.
Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX, no phone number given. Letter sent to the company XX/XX/XXXX requesting why they obtained my credit report. No response has been given. I do not recognize this company.
I have owned my home for several years and fell behind on my mortgage due to a reduction in my monthly income. My home is underwater as many people 's homes are in this market, the only option I have to save my home is through the making home affordable program. I have applied for several modifications with my mortgage servicer and have received several denials. The denials are based off a negative NPV, which is a very vague decision. I make monthly income and could very much afford a payment for my home. The investor on my loan seems to fluctuate my value based off of the internet, they have never seen the inside of my home but value it at the top of the market, like a remodeled home instead of the true value. This fluctuation in my homes ' value is the major reason why the decision on my modification is always no. My loan was also recently acquired by an investor and was service released to Rushmore to foreclose. My only option left today to avoid foreclosure is to short sale. I was told by my servicer that if I would find them a good offer that they would work with me and not foreclose. I listed my home with a realtor and have received several offers for my home, an as-is offer at fair market value was accepted by me to submit for short sale approval. This offer was denied by my investor and the buyers increase was also later denied- we are within XXXX of the investors net today and they refuse to do an interior appraisal which would help close this gap in value. The buyers have decided to conduct an inspection of my home with their contractor and termite company, these reports will be submitted to Rushmore for consideration of a value dispute- the only problem is this investor does not entertain value disputes per my servicer. My home needs repair and this is why the offer is at this amount. This is not a low ball offer as it is within XXXX of the remodeled home that sold directly across the street. How can they not entertain pertinent information like this?! Given the situation that I find myself in I would be in a better place if I can have Rushmore work with me on a short sale, they promised they would and I have spent the last month preparing and helping with selling my home when Rushmore would rather foreclose. I fear that I will be kicked out on the street by my servicer, all of my attempts to work with them are futile and to make matters worse I often feel antagonized by the person assigned to my file. I am going through a rough patch in my life, I would appreciate being treated like a human being, I have held my end of the agreement to short sale, part of working with someone is to have the information I send in considered not hastily disregarded as insufficient-within 5 minutes of sending it. Sincerely
On XXXX/XXXX/2015 I applied for a mortgage loan and was informed by the creditor that I had an outstanding $ XXXX balance with XXXX XXXX. Upon some research, I looked at all three bureaus and noticed only Transunion was reporting the past due balance. The other XXXX bureaus, reported it correctly as " XXXX balance settled in full. '' On XXXX/XXXX/2015 I filed an initial dispute with Transunion using file # XXXX. I received notification in writing from Transunion on XXXX XXXX indicating they had updated my report. I reviewed their changes and noted that they did not resolve the issue, and continued to report a past due balance, but instead of it being $ XXXX, it was $ XXXX. I re-filed a dispute with transunion on XXXX XXXX, 2015 and received a response on XXXX/XXXX/2015 with an updated investigation that still showed the issue to be present. To summarize, the past due balance being reported on the XXXX account # XXXX is incorrect, I do not owe XXXX any money. The account was settled in full via a short-sale done on the collateral property. The continued reporting of a past due balance is incorrect. I have asked Transunion to conduct an adequate investigation and they have fallen short. I have contacted XXXX and have been unable to do so, I have documented and spent XXXX hours on hold, being shuffled around to different departments and being advised " the next department is the correct one '' based on the contact information being provided to XXXX by Transunion. I also wrote a letter to XXXX and have not received any response in over 60 days now. If I ca n't get a hold of XXXX to clear this up, how is Transunion verifying this alleged information?
I have tried communicating this to UAC, and XXXX  for years now and have had no success. This auto loan was not opened by me, and every time I reported it nothing ever happened. Now its been 7 years and yet it is still on my credit report and yet again I am getting no help from the company. I am hoping that this will finally resolve such an old damaging problem.
XXXX acct. # XXXX under title XXXX XXXX same as account this contracwas fixed count # 1 XXXX XXXX XXXX XXXX XXXX, count # 2 XXXX XXXX XXXX XXXX XXXX, count # 3XXXX of XXXX XXXX, count # 4 XXXX of XXXX XXXX XXXX t/a XXXX XXXX, count # 5XXXX of XXXX XXXX XXXX, count # 6 XXXX XXXX XXXX, # 7 XXXX XXXX XXXX, facts and evidence warranted
I had a XXXX XXXX that had multiple recalls on it that were never fixed. Not only did I have issues from the recalls but my life was placed in danger multiple times due to random issues with the car. I tried several times to get the dealer to fix or replace the damages but they only told me that the parts were on back order and refused to assist me in anyway. The vehicle was completely falling apart when I finally gave it up. It is being reported as a charge off and they are claiming that I owe the rest of the monies due for a car that literally fell apart.
Formatted phone couldn't access account Accidentally click locked thinking it was unlock by text " Account is disabled '' please contact support Submitted ticket XX/XX/18 and made calls almost throughout the months No resolution or care about issue No response to e-mails always get same response " specialist or escalated ticket '' They have my all money tied up so I'll taking losses as it goes since its cyptocurrency I am unable to close account, move funds, or transfer to new account I did nothing wrong, illegal, or unauthorized access to be investigated for this LONG Offer to provide ID, SSN, ALL transactions, and whatever info they need to PROVE
All four major credit bureaus XXXX, XXXX, XXXX and XXXX have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
On XXXX XXXX, XXXX, I send a letter to Experian in the request for verification of the debt shown as XXXX XXXX XXXX {$320.00}. This account remains on my credit report without validation of the debt pursuant to Section 609 ( a ) ( 1 ) ( A.
XXXX XXXX Now supposedly is a pay day loan company. However, payments have been made on time per the paper work that I signed, automatic debits have caused the loan balance to increase. IF you pay a loan, on time every time per the paperwork, your balance should go DOWN, not up. I 've paid for MONTHS. Approximately {$600.00} on a {$400.00} loan only to be told my balance is {$420.00}. How is that even possible when weekly payments are made??????
For months I been asking for Qualified Written Request from time back in XXXX. I still have not receive anything from Wells Fargo. I receive no letters from them to what I had ask for. Now they have been way pass the 60 days mark from providing me eveything I ask for in the QWR. I needed updated information on my account. Wells fargo is refusing to complay with my request and saying they send me the information on this awile back. Which was years ago. Which is not current information. Nevertheless, they did not provide everything back then on what I requested from in the letter. What was sent to me years ago and not current information.
I refinanced my mortgage with Nationstar XXXX 2015. At the time of refinancing I had {$1700.00} in my escrow account and they only gave me credit for {$870.00}. I asked the closing attorney ( which they supplied ) and he said they would probably send a check. I just received a bill from the for {$300.00} because of an escrow shortage. I called and spoke with XXXX and she says that that money was applied to something else however she could not tell me what. But that my escrow showed an overage and if they sent it to me i would just have to send it back to them. I asked her was it even legal to just disperse my escrow money as they saw fit. I have called several time and left voicemail messages for her ( XXXX XXXX XXXX ) but she will not return my call. So I have {$870.00} floating around somewhere. I was not told it would be used for closing cost as I was under the impression that I did n't have any.
Midland Funding XXXX XXXX has been put on notice not to communicate with me at my place of business number of times .. I have repeatedly requested all calls to stop, yet they continue to call.. I have put the request in writing as well as verbally requested this many many times..
I had this Capital one Credit Card since XX/XX/XXXX, I reported one of the transaction as fraudulent which happened way back in XX/XX/XXXX. I reported this on XX/XX/XXXX, the agent said it will take 30 days to investigate the matter, yesterday I received a Letter from Capital one which said " dispute has been resolved in my favor and the credit of {$450.00} will be applied in my Credit card Account '' ( See the copy of the letter attached ). 

See how deceiving Capital one bank is ... 

Instead of sending me a check they applied to my credit card Account which was closed way back in XX/XX/XXXX, I do n't owe any money to Capital one as I had a settlement with the Bank, I had to make three payments of {$350.00} and that was it ( see the settlement agreement I had with XXXX XXXX, XXXX XXXX XXXX XXXX, attorney of capital one - attached ) When I called the customer care, I was told that I had a balance of {$1100.00} on the credit card and this {$450.00} will be applied to it. Now, what the XXXX? 

why would I in first place, put a charge as fraudulent when I am not going to receive it? Why I had to fight for it when I got nothing out of it? why the customer service agent told me when I was disputing the charge that I am not going to get it. 

What is the meaning of having a settlement with the bank when you still owe to the Bank? 

I can not access my Capital account online, Capital one has blocked it, so how can I see what is applied and what not? 
From XX/XX/XXXX since I had settlement with the Capital One Credit card, I have n't got a single statement from them telling me I still owe to the Bank. 

I spoke with " XXXX '' ( Employee ID - XXXX ) in the fraud department of Capital one yesterday and she said from now on Capital one delinquency will not be visible on my credit ( XXXX, XXXX, etc ), Now Mam, it is not visible from XX/XX/XXXX, so what are you talking about, you are not saying something new. 

I had issue with capital one before too and reported it to this website, I got a call from " XXXX '' from Capital one executive office, now, whenever I call her back on " XXXX XXXX XXXX XXXX '' it goes on voicemail and she does n't responds, I would like the consumer finance to take a strict action against this company, recover my money and punish them to the fullest extent of the law.
Repeated calls to a number that is not mine, and I have asked them to remove the number from the file. I offered a different number that they could call daily if needed. This company rep stated on voice mails that " A file with your social security number attached is in our office. If you do not contact us you will no longer be allowed to use your bank. '' Also they threatened legal action. When I mentioned that I was going to file a complaint, they said they would no longer give me any written documentation and that they would see me in court. I offered to make a payment plan, but was told that would cost an additional {$5.00} in " processing fees '' per month.
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Customer Financial Protection Bureau Supervision , Enforcement & Fair Lending Associate Director XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX OnXX/XX/XXXX, I submitted a complaint to CFPB ( XXXX ) alerting the CFPB of American Education Services egregious lending business practices and services. In my original complaint, I explained how I have exceeded repaying my original loan amount. However, AES fraudulent business practices provide for the creation of fabricated documents that restate loan closing terms and reflect invented terms and condition. This has resulted in AES restating usurious loan repayment conditions. For example, to date I have repaid approximately {$73000.00} ( of which $ XXXX has been paid in interest alone ) on an original principal amount of {$60000.00}. Still, AES claims I owe them {$53000.00}. This is usurious and at this point AES is willfully stealing money from me. In its response, AES through XXXX XXXX Vice President of Loan Operations ; represents that my obligation is represented in a document titled a Note Disclosure Statement. It is my position that this Note Disclosure Statement is a fabricated document prepared by AES to illegitimately substantiate claim to collect and in doing so, also prepared fabricated loan terms to further fleece borrowers. This dubious paperwork has been brought to light in recent NXXXX XXXX XXXX article that was published on XX/XX/XXXX. The article points out : Judges have already dismissed dozens of lawsuits against former students, essentially wiping out their debt, because documents proving who owns the loans are missing. A review of court records by The XXXX XXXX XXXX shows that many other collection cases are deeply flawed, with incomplete ownership records and mass-produced documentation. At the center of the storm is one of the nations largest owners of private student loans, the National Collegiate Student Loan Trusts. It is struggling to prove in court that it has the legal paperwork showing ownership of its loans, which were originally made by banks and then sold to investors. I have included a copy of this article that goes into further detail. It has also been announced that the New York Attorney Genral, XXXX XXXX XXXX is now looking into AES & NCTs business practices ( article included ). I encourage the CFPB to open an examination into AES business practices. It is my belief that a proper examination of AES would lead to deficiencies and conduct worthy of an enforcement action or result in a referral to the proper [ state ] attorney general or other federal authorities. Cc : XXXX XXXX XXXX Vice President Loan Operations - American Education Services XXXX, PA XXXX XXXX XXXX Assistant Director Supervision Examinations Consumer Financial Protection Bureau XXXX XXXX Assistant Director Enforcement Consumer Financial Protection Bureau
They contact me on my home phone but phished for my cell phone number and have been calling home and cell. I specifically asked the first agent to no longer contact me on my cell phone but to call me on my home number. I want to know how I could send a cease and desist from contact letter. They also contacted numbers on my contact list for the creditor XXXX.
I have received numerous phone calls for a fraudulent payday loan and have called my employer, my home and in laws. I have told the company this is in error and they have threatened to take me to court etc. please address this situation. The phone number they call from is XXXX and they said they are from the XXXX
I am a victim of identity theft and I have an unauthorized and fraudulent inquiry listed on my Trans Union credit report. The following inquiry is unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/15
Equifax 's negligence in securing my personal information against external sources has cause my personal information to be released to the world without my consent.