WillisBack/dataset-financial-user-claim huggingface dataset:
I had a cae accident which vehicle was demeed total loss XX/XX/2016. The auto finance company has it as a charge off as sin e insurance company paid .off vehicle and doesnt want to removed from credit i been disputing the false information and they stated They will removed since They found all check yo be paid from insurance Company.
My complaint is about Capital One charging me 3 late fees. The problem I am having is that I use an app called XXXX to automatically pay my bills. I have had this app for a few years and never had any issues. What happened was Capital One was booted off of my XXXX account so I had to re-link it. I was never notified by Capital One that my payments were not made. I checked my phone records, voicemails, emails, and spam. There were no notifications to make me aware of this situation. I found out when I was with my mortgage rep to get pre-approved for a mortgage. The problem that I am having is that my credit score has dropped to under XXXX and I always had a score of about XXXX. I then called Capital One. I expressed my concerns and all they did for me was waive one {$38.00} fee out of three {$38.00} fees. I have been a loyal customer with them for 8 years. I have NEVER been late on a payment. This was an innocent mistake, but they NEVER notified me about the late payments.
This is a complaint from XXXX XXXX ( consumer ) against Maximum Title Loans , LLC ( lender ) for Maximum Title Loans unfair, unethical, and illegal collection practices. As detailed below, Maximum has used threats and intimidation as part of its debt collection efforts against XXXX XXXX sending an agent to his home at night to intimidate his family. 
In XX/XX/XXXX, XXXX XXXX entered into what was purported to be a two year title loan agreement with Maximum Title Loans , LLC. As collateral for this loan, XXXX XXXX used two vehicles ( Vehicle 1, XX/XX/XXXX XXXX XXXX and Vehicle 2, XX/XX/XXXX XXXX XXXX ). Over the course of the next two years, XXXX XXXX paid back {$27000.00} on the {$13000.00} loan. 
Dispute arose regarding whether there was still an outstanding balance at the end of the two year repayment period. This eventually resulted in a lawsuit from Maximum Title against XXXX XXXX ( XXXX ). During a hearing, when the judge was not in the courtroom, the representative from Maximum Title, XXXX XXXX, made threatening remarks to XXXX XXXX. When the judge returned to the courtroom, XXXX XXXX told the judge that he was being threatened, and the judge revealed that the courtroom was being recorded and played back the audio recording. This revealed the recorded threats, leading to an argument between the judge and XXXX in which he accused the judge of being biased. As a response, the judge transferred the case to be heard by a different judge. 
Sometime after the initial filing, Maximum repossessed Vehicle 1.  On XX/XX/XXXX, Vehicle 2 was shockingly repossessed out of the court parking lot while the parties met for mediation. Vehicle 2 contained clients XXXX medication, wallet, and work keys. 
That same day, XXXX XXXX obtained an emergency order from the court, ordering the return of both vehicles. Maximum Title stated that it would return the wallet, keys, and medication by having it delivered to XXXX XXXX, but would not return the vehicles. 
That night at XXXX, Maximum Title sent the angry, yelling, menacing tow truck drive to XXXX XXXX home address. The driver, in an interaction with XXXX XXXX wife, made accusations and refused to return the vehicles or XXXX XXXX possessions. The clients were so intimidated and frightened by this interaction that they filed for and were granted an injunction against harassment against Maximum Title representative XXXX XXXX the next day ( XXXX ). 
On XX/XX/XXXX, armed with an order from the court and police escort, XXXX XXXX was able to locate and recover Vehicle 2 from the tow truck drivers impound lot. Despite the XX/XX/XXXX court order, Maximum Title has not returned Vehicle 1.
Chase credit card with account number XXXX was deleted from my XXXX credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?
I was told that my monthly payment would be XXXX a month. It quickly escalated to XXXX a month then XXXX a month by switching it from bank to bank which was several, I was contacted by Bank of America and told not to pay my mortgage for several months then apply for a home modification loan that caused me to fight in court for over 1 year and was told based on there guidance that I was losing my loan as a first time buyer. 

In the meantime the three credit reporting agencys continue to deny my rights under the FCRA regarding reporting fraudulent mortgages that are disputed.
On XX/XX/XXXX2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX because they agreed to remove these transactions they are now along with XXXX XXXX and XXXX in violation of the Fair Credit Reporting Act.
I disputed a tradeline on my account back in XXXX for supposed medical services. I 've never been a patient at this hospital. I never received any debt verification from either Equifax or the third party collector. I disputed it again with Equifax and again, I never received verification back. I sent the company a letter asking for the debt to be verified according to Texas State Law and that letter went unanswered. I filed another dispute with Equifax for the same tradeline with the same results, no verification. I called Equifax on XX/XX/XXXX and spoke with a young lady and I explained that the debt has never been verified and according to the FCRA, the debt must be removed until it can be verified according to my state laws and she refused to remove it from my report, even after I told her that the other XXXX reporters have removed the debt from my report and they were the only hold outs. If I call the company, that can start the statute of limitations over even though my state SOL expired last year and they ca n't legally sue me. Equifax is in willful non-compliance of the FCRA and according to the law, they are required to remove the tradeline from my report until the debt is fully verified according to Texas State Law of which, I sent clear instructions to the collector indicating what is required to validate the debt. I also filed a CFPB complaint against the collection agency and as of XX/XX/XXXX, they 've not responded or acknowledged the complaint.
XXXX XXXX is reporting that my current account status on ( XXXX ) old accounts is 120+ days past due. This is incorrect. This account was closed and tranferred in XXXX XXXX. I have disputed this info several times to ( both the XXXX and XXXX XXXX ) failed to fix this. This is severely impacting my credit.On my Experian report, they are stating that I am 120 days past due in XXXX XXXX. Again, incorrect.
received notification from credit agencies that the collection account has been placed. I, then have tried contacting the collection agency on several occasions and requested a verification of debt in writing 4 times 3 months ago. To date I have not received a response. Asking for the collection agency to remove the entries from all XXXX credit reporting agencies.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Asked for a credit line increased and was declined. always make all payments on time and always more than minimum do this is a 0 % apr first year. I meet all requirements not sure why I was not approved
In XX/XX/XXXX I was under XXXX XXXX when the truck I purchased through Santander was totaled. The person ran into me on XX/XX/XXXX on my way to church. The police report number is XXXX. The XXXX XXXX case number is XXXX. I did a substition of collateral with XX/XX/XXXX/under written by XXXX XXXX XXXX. Insurance number was XXXX XXXX. I purchased a new car with the insurance funds. Yet payments was still being payroll deducted from XXXX XXXX XXXX XXXX. Their EIN # is XXXX, payments was payroll deducted. I was laid off XX/XX/XXXX, I was no longer employed with the company to stop payments. My severance packet was continuing to go to the courts and the bank. XXXX XXXX XXXX XXXX XXXX posed as a paralegal with the XXXX XXXX XXXX. I used the money from the insurance to purchase a XXXX XXXX XXXX with XXXX. The vin number on that vichle was XXXX. The policy number on the XXXX XXXX for the insurance was XXXX XXXX. My drivers license number is XXXX, social security number is XXXX. My new insurance policy number was XXXX XXXX XXXX. I was discharge in XX/XX/XXXX from XXXX XXXX.
I opened a Citigold Checking Account with a promotion for XXXX AAdvantage Miles after spending {$1000.00} on the debit card and completing 2 bill pays in 2 consecutive months. The promotion code was XXXX. 
I called Citigold Customer Support and confirmed that I was eligible for the promotion before opening the account, and then after opening the account I confirmed that my account was eligible for the promotion. After completing the requirements, I contacted Citigold through a secure chat and confirmed that I had completed the requirements and that the miles would be posting to my account. After approximately a month, I contact Citi again to ask when the miles would post. They placed an inquiry request on my account to look into it, and I was then notified that my account was not targeted and I would not be receiving the promised miles. Because I confirmed multiple times, and have a transcript of the secure chat in which I was told I was eligible and did complete the requirements, I believe Citi should honor the promotion they promised.
Consumer Financial Protection Agency Dear Sirs, Madam Re : Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ever since I received a copy of my mortgage statement in XXXX I noticed that they had paid for XXXX house insurance policies for 2015. I had changed my insurance company from XXXX XXXX to XXXX before the XXXX policy expired in the month of XXXX. I had told XXXX to cancel at that time. The policy amount paid by the mortgage company, XXXX Mortgage, was over {$4800.00} where the policies with XXXX and XXXX were about {$2300.00} and {$2600.00}, respectively. I called the mortgage company and they had no answer for the double payment. The only information I got from them was that the XXXX payment was returned to them in XXXX 2015. To this day I have had no communication returned to me at all except for XXXX XXXX XXXX with Freedom, telling me she does not handle these complaints. Please help me with this problem as I do n't know how to make them listen to me. 
Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXXXXXX Account Number XXXX
On XX/XX/XXXX, I received a voicemail from a restricted number stating intent to serve me legal papers between XXXX and XXXX the next day. I called the phone number and referenced the case number provided on the voicemail. A gentlemen advised me that the company he represents, XXXX XXXX XXXX, was retained by Wells Fargo to make a recommendation on how to proceed. He said they were looking to file a civil judgement and pursue me for a charged off checking account. The amount owing was {$1900.00} and they were seeking up to three times that amount. I remembered having such a checking account when I lived in MN and I was much younger. I do believe this account was past the statute of limitations to collect on. I also advised the representative that I had filed a chapter XXXX no asset bankruptcy in XX/XX/XXXX and it was XXXX. He placed me on hold to speak with a supervisor. When he came back he did say that indeed my bankruptcy did cover this debt. I was relieved but definitely in a state of panic. This company should not have contacted me at all! They should have done more research on the age of the debt and the fact that it was XXXX through bankruptcy.
I sent Certified letters to  XXXX  and Equifax on   XXXX   XXXX   XXXX   ( I have the receipts ) requesting that they correct  XXXX   XXXX  Loans that were included in my Chapter  XXXX  BK  discharged  on  XX/XX/XXXX . I also sent a fax to Equifax on  XX/XX/XXXX  requesting the correction. They are showing these  XXXX  accounts as delinquent and my credit score has dropped over  XXXX  points. These were private loans ( not student loans ) and co-signer is now responsible. I also sent the bureaus the letters from  XXXX  dated  XX/XX/XXXX  confirming that I am no longer responsible for these  XXXX  accounts.
I have sent multiple letters advising the bureau that the information listed on my report in regards to the bureau is incorrect as I am not the owner of the bankruptcy. It is to my understanding they use the last four digits and other identifying elements which could easily be someone else's/ The y sent me information stating they verified with XXXX XXXX in which I am not familiar with @ all. I have sent several disputes and this is my final dispte
On XX/XX/XXXX I provided business coaching services to XXXX XXXX in which this customer paid me via PayPal {$140.00} for 2 1 hour sessions of coaching. The first hour was completed. The second had a scheduling conflict due to a death in the family in which I asked my client to rescheduled sent him my calendar to do so. He never responded. On XX/XX/XXXX we had an email conversation about getting him help with a merchant account but not once did he mention rescheduling his session nor a refund. On XX/XX/XXXX he disputed the entire {$140.00} with PayPal claiming that he never received my services and I never responded to any of his messages. PayPal gave me 10 days to respond in which I responded on XX/XX/XXXX both to PayPal and to the customer. The transcript which is also in the notes of the PAypal transaction as recorded by PayPal are attached. On XX/XX/XXXX, PayPal sent me an email claiming that I never responded ( even though they show the notes where I did ) to the claim and that they would rule in the customers favor, deducting {$140.00} from my PayPal account. I later found out that this company XXXX XXXX is a fraudulent company posing as a Credit Repair business and is known for scamming people out of their money. I am distraught that PayPal would stand behind them vs me a loyal merchant who brings in thousands of dollars in customer transactions per month.
On  XXXX   XXXX ,    2017  I received an alert via email of a negative collection account reporting to my   XXXX    report. I immediately checked my reports to see t hat Convergent Outsourcing had lis ted an account to my report in the amount of {$130.00}. I have had no previous dealings with this company. No calls, no letters, NOTHING and they just decided to report a negative account. I sent  Convergent Outsourcing  a letter on  XXXX / XXXX / 2017 , via certified mail #  XXXX   XXXX   XXXX   XXXX  in which they received on  XXXX / XXXX / 2017  to validate this alleged debt. I also sent this letter via fax and also to the companie s executive team  via email for prompt response. I educated Convergent that they had 30 days to respond to my letter or that they should delete it. Pe r the FDCA, a debt collector is to notify the credit reporting agencies that this alleged debt is being disputed and can not continue to collect or report this alleged debt until they have provided verification. Convergent failed to abide by these rules. They continued to report, and update this alleged debt to   XXXX   ( la st update on  XXXX / XXXX /  XXXX   ) before even responding to my letter. I did not hear anything from this company for over 40 days from the date they received my correspondence. On  XXXX / XXXX / 17 , I sent  XXXX  a request to have this negative account information deleted immediately due to no response from Convergent Outsourcing, and their above violation. Today  XXXX / XXXX / 17 , I received in the mail a copy of some sort of bill which listed inaccurate information. It did not verify debt, nor did it show proof that this is my debt, as it is not, or any legal binding agreement to convergent outsourcing. I am extremely disappointed that Texas allows deceitful scamming c ompanies like Convergent Outsourcing to target its residents.
Previous landlord at a apartment complex trying to charge cleaning fees for an apartment that I vacated in XX/XX/XXXX. Landlord sent bill to a collection agency which is trying to contact me to collect charges. I am currently XXXX via military services at XXXX XXXX, XXXX and I have not received any proof of charges for my review in my present location as requested to collection agency 3 weeks ago.
I charged around {$54.00} on a Home Depot card. I paid {$35.00} on the card prior to receiveing the bill. They charged me a {$36.00} fee because I did not pay after I received the bill. I paid the finance charge and balance off because I was really mad. It was paid by electronic transfer by the due date. They charged be another {$36.00} fee saying it was a day late, but that 's not what the EFT from my bank says. Home Depot is trying to charge me {$75.00} fee on a {$54.00} purchase even though I paid in advance and on time.
I sent a letter to XXXX XXXX requesting that they validate, NOT verify a debt that they are attempting to collect from me. I asked for a signed agreement or other supporting document with my signature. They provided a billing statement which does not prove that I am obligated to pay them. A billing statement is not a validation. They have reported delinquent information to the credit bureaus that I am asking to be deleted. 
I have never done business with the company XXXX XXXX and have no contract.
Due to XXXX 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with XXXX which I have tried ( XXXX XXXX, 2017 ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically XXXX, but rather a call center company, and can not answer any real questions about their services and what signing up for XXXX XXXX does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news XXXX might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because XXXX has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact Experian but their lines are also shut down.
This attorney is sharing my information and posing as an attorney and debt collector, I want his oath of office before the court date, I was issue a warrant.
My husband and I filed for bankruptcy in XX/XX/XXXX. A credit card account we had with Wells Fargo is showing a balance of over {$14000.00} with all three credit reporting agencies. These reports imply the account is still open and that we are still responsible for it, when in reality it was discharged in the bankruptcy. I spoke with four different individuals at Wells Fargo on XX/XX/XXXX concerning this matter, and one of them finally admitted the account was indeed closed, but that it had to remain as open on my credit report for 7-10 years. I am also disputing the actual amount they are saying we owed on this account.
I called wells fargo about a transaction on XX/XX/2016 or XX/XX/2016 XXXX transaction stated from XXXX money was put back in my account of XXXX in which wells fargo claims they never did and now XXXX says they did also but the bank says no also have an id number for the XXXX XXXX they have all the info want my XXXX back now fighting this for 2 months or almost on my bank statement
I have been having trouble coming up with the weekly payments on the loan, which are {$270.00} bi-weekly, but managed to have the money in the account ready for the withdrawal date. I originally applied for this loan at Big Picture Loans because I kept getting bombarded with mail about their low fees and the convenience. I found myself strapped on cash for rent and decided to apply for the loan. They sent me an e-mail congratulating me for being approved for {$1500.00}. After making a total of 5 payments on time, a total amount of {$1300.00}, I called the company to let them know my financial situation is not getting better and that my job is actually cutting hours, to which I have payroll statements for proof. They let me know that out of the {$1500.00} that I had originally borrowed that I owed {$1500.00} and that the {$1300.00} that I had paid so far was all in interest. Therefore that for {$1500.00} loan I was going to end up paying over {$4000.00}! The company was very deceiving when continuously to bombard me with mail and making it it seen that it was a viable option for a low income family like mine. Those kind of loans should never be offered, neither approved, to someone who is making {$300.00} checks minus deductions. I want to pay the balance due on the original money borrowed and shouldnt be charge those high interest fees when Big Picture Loans was constantly pursuing a client that clearly did not qualify to get that kind of loan. I am a single mother with XXXX children ages XXXX, XXXX, and XXXX and that loan would only bring my family to be even lower on the poverty level. Please help.