WillisBack/dataset-financial-user-claim huggingface dataset:
Today at XX/XX/18, my vehicle was stolen from address XXXX XXXX XXXX XXXX XXXX oh XXXX. Ive reported this to law inforcement in XXXX Ohio. And went to the dept of motor vehicles got my license plate XXXX. With a valid Id and social #. They verified my car was stolen. I called because I was trying to figured out who may took my car. My title and my registration They are both in my vehicle, I have my Id to pick up my vehicle. The neighbors said it was stolen by a white truck .and they couldnt see the license plate number Of the truck. So the company Exeter finance said they took my car and that was illegally done. XXXX XXXX XXXX from Exeter explanation was that I owed money. I asked him if he had seen me signed any legal paperwork or documents stating that I agreed. He said on recording that he didnt see me signed any documents, and then was explaining to me that he had took my car to and its at an unknown location. I explained the dealer said i needed an amount of XXXX or XXXX cash, he guaranteed I will be in a car that afternoon. So I said fine, Whatever the car dealer and Exeter agreement was I wasnt present. I payed the exact amount of cash including tax that was recommended to drive off the lot. So they need to speak with the car dealer company because now I see they all need retrain. So again XXXX XXXX XXXX He didnt see me signed any law binding contract or contracts so I dont know how hes saying I owe something that he clearly didnt see me signed at all. So with These predudice and false accusations against me are illegal. Now I expect my vehicle to be released from your unknown location where they hide my vichecle. I need my vehicle today asap. thk you very much. Ive reported this again to law inforcement and the department of motor vehicle of Ohio with valid government issued Id. How can you steel my car from public property and lied that i signed paperwork that you are me lien holder, you never seen me signed of your documents XXXX XXXX XXXX from Exeter. I need a response today
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2012 ,  XXXX   2012  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I submitted a document pertaining to a XXXX XXXX stating that XXXX XXXX would record a DEED that stated my name would be removed at the request of the loan company. XXXX XXXX stated that they could not locate that document. That document was presented to me in order to release my name from the Deed. The XXXX XXXX XXXX XXXX XXXX has instructed me to contact the escrow company that handled the sale of my property. I explained that I never sold my property or ever received a dime from the escrow company. This is what I was told, in XXXX of 2001 when I added XXXX XXXX as a Joint Tenant I was paid {$75000.00} and on the day that I removed my name from the DEED XX/XX/2001 I was paid {$170000.00}. I explained to the clerk that I only removed my name at the request of the loan company so my property could be refinanced. The amount of the loan was {$170000.00}. The clerk explained that XXXX XXXX would be able to explain the process. I took the DEED to XXXX XXXX and they assured me that the {$170000.00} was for a refinance, not a purchase. The refinance was used for the down payment of a property we were buying and XXXX XXXX released a check in the name of XXXX XXXX. XXXX XXXX has passed away with out a will. This information from the XXXX XXXX XXXX was unknown to me. What happened to the signed XXXX XXXX. What does XXXX XXXX know about the amount of money that the XXXX XXXX claims I was paid. I know I never sold my property or ever received any money from escrow.
I have this negative on my XXXX report from PHOENIX FINANCIAL SERVICES LLC for medical services. This is falsely reported.I never had any medical service in XXXX XXXX XXXX OF NY. This is making a big negative impact in my credit. I had Identity theft done to me and have made a police report # XXXX
On XX/XX/XXXX I sent in my 8th dispute to Transunion. In this dispute I informed them of my address and told them to make sure that it is updated correctly. I also outlined the fact that I have contacted them 7 previous times by certified mail to remove inaccurate information and they failed to do so. I also made aware the fact that i keep good records and that i could show a judge proof of contact and that Transunion violated the Fair Credit Reporting Act by ignoring my request to update my address and remove all others and Investigate, Remove and Delete these unauthorized inquiries. A total of 19 items! Lastly I told them that if a proper investigation was not conducted that I will file a civil suit in my county for damages As in XXXX XXXX XXXX XXXX XXXX ( XXXX ), at which TransUnion may be liable for willful non-compliance. And also that failure to respond to my request within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00}. per violation for a total of {$19000.00} for 1. Defamation 2. Negligent Enable of Identity Fraud 3. Violations of the Fair Credit Reporting Act. 
So on XXXX I went to my local post office to send this dispute to Transunion by NEXT DAY MAIL with RETURN RECEIPT. However by the time I received the return receipt it was XXXX and the date that the card has stamped says XXXX. So the next day I returned to the post office to see when the dispute accurately arrived. To my surprise when they pulled the tracking number it shows that the dispute was received by XXXX XXXX on XXXX at XXXX XXXX. Why is there a 4 day lapse between the day it actually arrived and the day that Transunion said it arrived??? In either case it has been over 30 days from the XXXX and the XXXX since I've sent my dispute and Transunion has not responded to my dispute.
On X/X/17 I received a voicemail from D & A services on my work phone number. They stated they were a debt collector on the voicemail. This number is assigned to me at work but recordings can be accessed by my employer. In my opinion this is a violation of the FDCPA.
I applied for a loan on XXXX/XXXX/XXXX. ( Navy FCU ) .I called to get my status and was told I was turned down. They suggested I apply for a credit card ( NFCU/XXXX ). I did so so. They did not tell me they would pull my credit again. Again I was turned down and was told by the person on the phone to apply for a loan consolidation. I did so and was not told they would pull my credit. Why should they? They had done it on XXXX/XXXX/XXXX. I ended up with XXXX hard pulls and no one had told me that I would get XXXX other pulls : XXXX XXXX, XXXX, and XXXX I called on XXXX XXXX. On XXXX XXXX, XXXX I spoke to XXXX about the XXXX hard pulls. He said the notes the notes confirmed that I had given my permission XXXX times. I said I did not recall ever confirming XXXX hard pulls. He said he would check the tapes and get back to me. On XXXX XXXX, I called and spoke to XXXX who said XXXX told him he had referred the matter to the inquiries Dept. I waited and then called again to get an update and spoke to XXXX. She said the tapes showed I had agreed to hard pull credit checking. I said I did not remember doing so and to send me hard copies of the tapes. She said I would need a subpoena. I believe she is lying. 
Why would I agree to XXXX hard pulls 3 days in a row?
American Express closed my entire relationship because the IRS did not send over my tax information in a  timely manner.     I have had personal card for many years and never was late once. I have perfect credit and have never missed a payment or had any issues whatsoever. I decided to expand my relationship and use  American Express  for my business as well. I order a new card after receiving an offer from  Amex  and added  XXXX  users as card holders.     The first day the card was received, there was a hold placed on the entire account including my personal cards and  American Express  requested some information from the IRS.     Again, the cards had never been used.. I filled out the forms  Amex s ent with no issue. The  American Express r ep told me herself that she knew the IRS was behind on processing the information. A hard close date was set and I called the IRS myself and tried to rush them. After the information was n't sent by the date that was given,  American Expre ssed closed all of my accounts with no reason given whatsoever.     I had already closed my previous relationship that i used for my business and now with   American Express doing this it has effected my business is a large way.
I want my American Express Cards   back. I would think i am the ideal client. I have perfect credit.
I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX Student Loans almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than 90 and 120 days past due with XXXX and more than 30 days past due with XXXX XXXX XXXX. The Credit Bureaus including XXXX, Experian, and XXXX are in violation of the FCRA.
I am getting frequent calls from multiple numbers on my cell phone from Portfolio Recovery Associates. I have NO unpaid debts, I have never received any mail or email from this company regarding any outstanding debt. I have blocked multiple numbers and they just call using a different number.
On XX/XX/XXXX we refinanced our home mortgage. The servicer on the previous loan has not returned our escrow refund. We have called several times and each time, they tell us a different amount that we are due, and they give us a different date as to when we can expect the refund check to arrive. We now believe that they may be lying to us because after several phone calls made to XXXX XXXX XXXX, finally on XX/XX/XXXX we were able to speak with a supervisor, XXXX XXXX. XXXX XXXX stated that a check was finally mailed to us on XX/XX/XXXX.  However, as XX/XX/XXXX, this check had not been received. On XX/XX/XXXX, I emailed XXXX XXXX and asked her to provide me with the check date, check number and a copy of the refund check that she claimed to have mailed, so that I could be reassured that the check was in fact mailed. I also attached an XXXX document with an analysis of the escrow history ( which matched the analysis shown on their website as of XX/XX/XXXX within 1 day per diem ) and asked her to confirm that this would be the amount of our refund since our analysis was several hundred dollars higher than what XXXX XXXX told my husband it would be when they talked on the phone on XX/XX/XXXX. I requested that XXXX XXXX respond to my email inquiry by XXXX XXXX on Monday 3XX/XX/XXXX. I did receive an email response late on 3XX/XX/XXXX. However, XXXX XXXX did not include the check information that I requested and stated in the email that our refund had been cancelled and that a new one would be issued. Quite frankly, I do not believe that XXXX XXXX is telling the truth and highly doubt there was ever a check issued at all. She said that we would receive an analysis of the escrow before disbursement but never bothered to say when this would happen. Our closing was on XX/XX/XXXX and Home Point Financial received their funds on XX/XX/XXXX. That is well over 5 weeks ago. What is most unsettling is that they are very hard to reach by phone, and when we do finally get to speak with an actual person, they give us false information.
I had a dental practice which I terminated in XXXX 2014. XXXX Bank ( XXXX XXXX ) had set up a credit card swiper so patients could pay with their credit cards. When the practice was closed down, there was no need for their services any longer so I sent the swiper back to the leasing company, closed the account being used at the bank for automatic withdrawls, and thought that would be the end of it. Instead, the credit card processor used by the bank ( First Data Global Leasing of XXXX, Georgia ) has continued the harass me for the monthly payments even though they have been informed that there is no longer the business entity to make the payments. The lease was made out to the company name and was clearly a business lease and not used for personal use. My wife did not sign any of the documents but she is being effected by this constant harassment via telephone calls, mailings, etc.These people are loan sharks, plain and simple. I would hope that you can point out to them that their contract is now NULL and VOID.
On XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

Transunion responded XXXX/XXXX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XXXX/XXXX/XXXX on my credit report and Transunion told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XXXX. 

XXXX responded XXXX/XXXX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XXXX/XXXX/XXXX and XXXX has not responded. 

XXXX responded on XXXX/XXXX/XXXX and removed the accounts, and appeared on XXXX/XXXX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XXXX/XXXX/XXXX and was not showing any of the accounts due to fraud now as of XXXX/XXXX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.
After having XXXX XXXX leases in the past years and never being late on payments to them nor any other creditor either in my entire life, Lexus financial has reported me to the credit bureaus for 1 late payment over 30 days. 
They have stated that I did not pay the XXXX 2016 payment and that is totally untrue. 
After speaking with several of their representatives for hours in an effort to resolve the matter and explaining to them that the payment of {$290.00} was made thru their phone automated system ( as always ) on XXXX XXXX, they advised me that they WILL NOT remove the negative information from my credit reports and that they can not help me any further to please not call them anymore. 
They also advised me that they have been trying to contact me at a telephone number that does not exist and that is not a correct statement either, they have my phone number as well as my wife 's phone number in their file which I updated and verified with them back in XXXX 2016. 
Iam not late on my payments nor have I ever been late on my payment to Lexus nor any other creditor either.
On or about XX/XX/XXXX a purchase of XXXX dollars was made via the internet. not using the internet and only using the card at the store once and then paying it in full i switched to paperless billing. a family member used it for the XXXX dollar purchase and not knowing the paperless bill was going to the spam file. after some investigations on XX/XX/XXXX agreed after spending 3 hours on the phone to pay the XXXX bill they told me that they would debit my ATM card for the original XXXX plus interest and late fees. I agreed and told them to cancel my account and I was done with target. on XX/XX/XXXX i again received another bill stating that i owed XXXX sent out from target XX/XX/XXXX after calling them again and spending 2 hours on the phone they explained that i now owed them over XXXX. 
When i looked at the statement they did not as was explained that they would debit my card the original XXXX and after speaking with the dispute dept said that the target rep made a mistake. when asked if i could just pay as agreed due to their mistake the XXXX they refused and stated that i needed to pay XXXX
I continue to receive calls from the CBE Collection group to return their call to handle a debt situation. I currently have an excellent credit rating with no outstanding debt, I keep current with regular payments and the record indicates that with on time, never late, and never missed a payment. Calls originate in XXXX and CA with the following caller ID 's XXXX ; other numbers received include XXXX ; XXXX associated with " US Treasury '' I would appreciate these uninvited/unwanted calls to stop.
I 'm currently XXXX XXXX in XXXX XXXX and I have a VA home loan as of 2011. My original Home lender was XXXX XXXX. In the month of XX/XX/XXXX I noticed that my direct withdraw for my mortgage was not being done. I contacted XXXX and they informed me that my loan was transferred to LoanCare. I looked up LoanCare online and according to their website, they say it could take 60 to 90 days for the loan to complete. Around or about 90 days I contacted LoanCare regarding my loan and  asked if I could set up my online withdraw, I was told no not at this time and I could give my back account information or pay through XXXX. Paying mortgage through XXXX or giving away my bank account information without official notice of loan transfer is not the proper way of conducting business. I recently contacted LoanCare and was told that my Loan was in the process of foreclosure. As of todays date I have not received a loan transfer notification or notice of foreclosure.
I have a judgement on my Exsperia credit report that is not mine! 
Here is the Information, Reference Number XXXX XXXX XXXX County XXXX, I ca n't get the other numbers! 
Date XX/XX/2015 Thanks
On XX/XX/XXXX, I ordered a XXXX that was estimated to be $ XXXX. After using the XXXX the total nearly triple the cost at {$190.00}. This was flagged as fraud by Huntingtons Bank and when I called the bank they stated that it was fraud and would issued a new card. 

The amount was charged again for {$190.00} on XX/XX/XXXX that again was flagged as fraud by Huntington Bank. When I called this time they stated it should not have been fraud last time but instead a disburse. Huntington Bank issued paperwork that I did not receive until several weeks at which point the time window was too limited to respond to. I went to Huntington Bank and they reopened the dispute with XXXX in which I completed the necessary paperwork for them. Huntington stated that I was not able to show the estimated amount and that the charge would stay. 

I am being given an impossible task of showing an estimation that XXXX only provides when ordering the ride and not at the end. I offered Huntington Bank the receipt of a coworker that took a similar route and had the correct charge.
XXXX XXXX XXXX XXXX XXXX XXXX CONTINUE TO ADD THIS ACCOUNT THAT IS NOT MINE TO MY CREDIT FILE AND EVEN AFTER SUBMITTING MY FTC REPORT AND LETTER ( SEE ATTACHED DOCUMENTS ) THEY CONTINUE TO SWITCH UP DEBT COLLECTION COMPANIES TO PUT THESE ON MY CREDIT FILE. AN I HAVE REALLY HAD ENOUGH OF THE TRICKERY AND SCARE TACTICS THAT THEY ARE USING. XXXX HAS NOT REMOVED/BLOCKED/DELETED THE LISTED ACCOUNTS FROM MY CREDIT FILE XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX. TRANSUNION HAS NOT REMOVED/DELETED/BLOCKED- XXXX XXXX XXXX.
i transfer XXXX to XXXX and still my money its not here they have very bad costumer service!! my account was disable for trading so i can not see my money or do anything i have several weeks trying to communicate with them but i keep receiving generics answers from bots!!!
I am trying to rent some office space, and XXXX and Experian are unable to locate me, and not willing to accept my US Passport, or copies of correspondence received at the address of record. I want them to email the report because the potential landlord needs this today, and Experian and XXXX want to mail it. There is no question as to my mailing address, since I have supplied them copies of documents received at this address.
On XX/XX/2018 I logged into Navient to check my account and it said I would have an automatic payment of {$270.00} on XX/XX/2018. I made an extra payment of {$210.00} directed at 1 single student loan on XX/XX/2018. On XX/XX/2018 I logged on to Navient 's website and saw my auto pay had been changed to {$39.00} for all 6 of my loans, but I had not been notified as to why it had been changed. This had happened before on XX/XX/2018 and XX/XX/2018, but for different amounts ( from {$380.00} to {$270.00} ). I am unsure why my my monthly auto payment has dropped by 90 % in the past 3 months, but my loans have not dropped by 90 %. I still have over {$21000.00} in loans and I am not in an income based repayment plan, so I should owe more than {$39.00}. It seems that Navient may be recalculating my payments in order to keep me paying them longer. I do not want my loans to be messed up because I am a XXXX  and could be eligible for loan forgiveness. I am not eligible if I miss payments, even if it is the fault of the servicer.
Started receiving credit card statements from PayPal Credit. 
I NEVER signed up for a credit card with them. I have a Pay Pal account that automatically gets deducted from my checking account. Never once did I knowingly open a line of credit with them. I called them and they said my account has gone in to collections from a purchase I have no recollection of. I asked them to open a fraud investigation.
XXXX    XXXX , 2017  I wrote a letter to Equifax regarding an old credit report investigation. I recently realized that I had filed a dispute with Equifax back in  XXXX  and did not receive any information about the results of the investigation.
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I sent Equifax a letter outlining the things that I needed to be removed because they did not do their part and send me a copy of the investigation results at the time.
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While Equifax did send me an updated report -- they did not adhere to the guidelines of the FCRA which states if they do not respond within 30 days, they must remove the negative information.
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Equifax did not respond to me within the 30 days period back in  XXXX  2017.
Follow-up on XXXX Did receive, finally, a response from American Express that , I repeat, was NOT attached to their reply American Express indicated XXXX 

My reply is attached ... I think they owe me $ $ on XXXX cards ... XXXX of which should have been canceled by now ...
I have been refinanced my mortgage with AmeriSave Mortgage Corporation on XXXX 2016. Then I told XXXX XXXX XXXX and XXXX XXXX XXXX that I will pay a Property Tax and Home Insurance by myself. But XXXX XXXX and XXXX XXXX and their company did not agreed it. They forced me to gave money to them and they told me that they will pay Property Tax and Home Insurance for me. Then I sent my money to them and they collected my money but they did not pay Property Tax for my home. Today, I got a bill with interest, and late charge from XXXX XXXX XXXX as following : Base Tax : {$830.00} Late Charge : {$16.00} Interest : {$58.00} I am trying to contact them but they told me that they did not have collected a money for Property Tax and Home Insurance. I would like to know that are they a scam company or not?