WillisBack/dataset-financial-user-claim huggingface dataset:
Spotloan is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.
Equifax is reporting that I have an outstanding debt of over {$2000.00} on an XXXX XXXX XXXX account, which has now been turned over to a collection agency. I have never opened an XXXX account, however due to ID Theft, I have disputed this with Equifax in the past and the account was removed. Now they are reporting this debt in my name again.
I 'm writing to complaint about my capital One Essential checking account ending # XXXX. Capital One offered me this promotion " open an Essential checking account and after XXXX mobile deposits, your account will receive a bonus credit of {$200.00} '' XX/XX/XXXX, I walked in Capital One branch located at XXXX XXXX and XXXX XXXX in XXXX on XXXX/XXXX/16 and Capital One reps confirmed this offer and opened the Essential checking account for me right on spot, I immediately deposited XXXX checks via Capital smartphone app, and Capital One reps confirmed I 'm already qualified for this bonus offer of {$200.00} - they told me there was nothing else I needed to do, I just need to wait for this credit to show up on my statement. 

I waited until XXXX/XXXX/16, no credit, I emailed capital One, no response. I waited until today XXXX/XXXX/16, still this bonus deposit was nowhere to be seen, thus I have to file this complain, as I feel Capital One stated the credit is automatic within 6 weeks, and 6 weeks had already passed. They only cared for customers when new customer walked in branch to open account, once we becomes customer, they no longer answers email requests, and totally ignores existing customers ' concern.
I was shocked when I reviewed my credit report and found two late payments for the following dates : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
XXXX XXXX have been calling and emailing me threatening to contact my employer if I don't pay the loan. I received an email from XXXX XXXX stating and I quote " This is the final notice about your loan we have tried in many different ways contact you to talk about your past due balance, we demand the payment of the past due balance as soon as possible. 


At this time we must make a decision on whether we need to increase collection efforts by attempting to contact you at your place of employment that you gave us when loan was originated. You can avoid this disturbance by reaching out to us Please contact me at XXXX If you decide ignore this notification your account will be forwarding externally. 

Best Regards, XXXX XXXX I need them to stop all methods of contact immediately because I have contacted the Federal Trade Commission and will take other legal avenues if neccessary. DO not contact my employer at all.
I think it sucks that Capitol One Checking does not tell upfront about needing a savings account opened before you apply for their online fee free checking account. It really was a waste of my time after learning about this policy of theirs.
HOA trying to get me to pay back payments while in the hospital and   XXXX   XXXX  .
Lender Fees are Usury and its lending practices are predatory. Texas law allows only a 10 % annual interest rate on a secured loan I borrowed XXXX dollars against the Title of my XXXX XXXX XXXX. I was told it a was only a 30 day loan. I was told the interest would only cost me XXXX. dollars if paid within 30 days. 
.The contact terms the company set was a six month payment term with interest fees that the total would be. {$8600.00} for a 30 day loan of XXXX I bring home XXXX a month before expenses. I was not told I could have opted out of the contract in three days.
So I had this account and when i cancled they stilled charged me. so i ignored them which didnt work in my favor ; they reported to my credit. the company at the time was XXXX XXXX XXXX who contacted me and offered a settlement in XXXX which I Paid off. since then it has been sold to other agency 's that are still reporting unpaid. when I contact AWA they cant provide documentation of this account and are very rude on the phone. Now this account has been paid for XXXX years now and would appreciate if they would report as such and stop harassing me.
I noticed before XXXX, XX/XX/XXXX, that my ( approximate ) {$3000.00} Account Balance at WALMART was not decreasing, so began making larger-than-minimum payments of {$100.00}, so as to hopefully see a decrease of that debt.. Then, when I made my XX/XX/XXXX, payment of {$100.00}, I noted that the interest charged was {$47.00}, and that a " Card Security Fee '' of {$50.00} was being added - the two working together to wipe out my payment! I do not remember authorizing this latter debt, but had it cancelled immediately, on XX/XX/XXXX. Meanwhile, my new WALMART bill for XX/XX/XXXX, has come and is due. It shows my last payment of {$100.00} was charged a total of {$55.00} - well OVER HALF of my payment. THIS IS OUTRAGEOUS! My wife had a serious XXXX in XX/XX/XXXX. She will be XXXX next birthday, and I will be XXXX. We have struggled to pay all bills, and have had to dig deeply into our life savings to make ends meet. Let everyone know that this treatment is from an All-American company ( WALMART ), which made its great success based on being " Consumer Friendly ''. Fifty PLUS % interest is hardly " Consumer Friendly '' - and my new XX/XX/XXXX Account Balance still remains at {$3000.00}. ( On my XX/XX/XXXXbill, there was also a totally unexplained " Interest Charge '' of {$1.00} for " Quick Cash ''. )
Due to the fact that TransUnion failed to respond back to my Unverifiable Dispute letter, I have no dispute case number. I am going to provide the USPS Certified information that they received the letter in the mail. I was disputing the fact that the account on my credit report that says I owe XXXX XXXX XXXX and XXXX XXXX XXXX is Unverifiable. I presented the letter to TransUnion and I make sure a copy of the letter is in this report. But never got anything back concerning my dispute letter in XXXX XXXX, 2016. It is now 36 days pass due and no response from TransUnion. Accordingly, to the FCRA if the Credit Reporting Agency does n't reply back then the debt is automatically removed from the credit report. But in my case it has not happen. Also, I have recording from both XXXX XXXX XXXX and XXXX XXXX XXXX I am not in their files no where. I do n't understand why TransUnion is holding on to this debt. When it should be removed from my credit report because they fail to answer back to my dispute letter I sent them that I providing to you and the mail return receipt they sign for accepting my dispute. I
Transunion is back reporting an account that has been deleted, The company is XXXX XXXX. A few weeks back Transunion removed this account I have documents ; nowXX/XX/XXXX I get a email saying Transunion is back reporting it! This company doesnt do investigations throughly either how are you going to take a account off then allow this  company to put it back on!!! CFPB look into this!!
So Autovest agreed to payment arragements of {$250.00} a month. ( See Case number : XXXX ) I can not afford that. I called several times to see if we could come up with a better arrangement I could afford. No calls back at all. Now they are garnishing my paycheck again. Almost {$700.00} a month. 1 ) I no longer own this car 2 ) I am a single monther 3 ) Thinking that when they sued me ( again I was not aware ) the statute of limitations was up. Now I 'd love to take them to court but I ca n't afford a lawyer for this. I know what they are doing is illeagal and immoral. However since I ca n't counter sue them I need a payment arragement of {$150.00} a month. When they agreed to payment arrangements to start XX/XX/XXXX I was still being garnished and payed almost {$600.00} that month. I tried to get clairification which again I received no response. I need resolution ASAP.
Ask the caller for their name, company , street address, telephone number, and if their state licenses debt collector '' and their professional license number. Refuse to answer questions.I also refuse to discuss any debt until I received a written " validation notice. 

I then researched company to find out their license has been revoked/voided in the State of Florida. Attached you will find documentation.
I have written to the Bureau a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation for validation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by  not complying with what is being asked. 

They have also written that if I do n't have any more documentation that they will " no longer investigate. '' Im sorry but that is unacceptable. Not ONE account that was listed was verified, shown form of verification, not updated, or taken off my credit report. I have done everything the proper way. I have informed them if they continued to not comply I was going to use my rights and use litigation and get monetary damages under FCRA section 616 & section 617.
Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. They furthermore failed to notify anyone for three whole months. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
The following items were non receipt/unauthorized, though given sufficient evidence and back up, I am still being held for the following charges : Transaction Amount : {$4300.00} Dispute Amount : $ XXXXMerchant/Description : XXXX Dispute ID : XXXX Amount : {$2200.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX XXXX Dispute ID XXXXTransaction Amount : {$4900.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX Dispute ID : XXXX
The small bank has reported an " overdraft installment loan '' to my credit report late every month since 2014. I told CFPB and they said they sent to branch that over sees credit union 's but I never heard back. Additionally I told the big 3 credit bureaus that I never had an overdraft agreement with that bank, or an installment loan. I lived in another state ( Virginia ) and received no communication from XXXX   after we moved and the account was closed. Additionally I called them today, and they said the account was sold to a 3rd party and they had no control over the 3rd party and couldn't even speak to me about the balance or any loan documents. It is a real shame that no one can provide documents or help to fix this error. One last shot trying to contact everyone before attorneys get involved - I'm sure there are many consumer laws being broken. Please someone help.
On XX/XX/XXXX I wrote to Equifax and disputed multiple accounts that were not mine as a result of identify theft. I requested the information blocked. I included a copy of my identity theft police report made with the XXXX CO police department and a copy of my CO drivers license and XXXX XXXX statement proving my identity. 

On XX/XX/XXXX I received a responce denying my request On XX/XX/XXXX I wrote to equifax and disputed the same accounts that were not mine. I included the same documentation stated above and additionally provided a copy of my identity theft report with the FTC from identifytheft.gov On XX/XX/XXXX I received a responce denying my request. 


A family member opened multiple accounts under my name without my knowledge while living at the same address. XXXX and XXXX have both agreed to block this information. I provided all the documentation as required for idenity theft but Equifax failed to remove the fraudulent accounts.
Trying to use XXXX XXXX and they are taking too long to send information that 's been requested
This information is incorrect pleas remove it asap DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years 2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO ( R ) Credit Score. Your credit report shows recent missed and/or late payments with creditors.
Transunion reported my inquirys deleted on my credit report then all the sudden reinserted them back weeks later. I was never notified in writting about the change. I 've been doing research and found that this is against consumer credit laws. I 'm requesting for them to be removed as previoisly reported.
There are a few problems Late Fees - I attempted to get a waiver on a late fee via customer service back on XX/XX/2018. I missed my payment by a day and apologized. This was my first time ever being late and asked for the fee to be removed. I was told no. Generally with most cards they will waive a late fee. 

Charges - There was a recurring charge that I notified them on in XXXX that should not have been approved. This charge caused my account to go over the limit. I notified them in XXXX via email to not approve any charges while my account was over the limit they continued to do so
XX/XX/XXXX Credence Resources has reported on my credit a balance of {$470.00} without any notice. I am requred by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit. I deny any ownership of this supposed debt. This is the second company to report on my credit regarding the same amount in which on XX/XX/XXXX and XX/XX/XXXX was removed for lack of proof.
Please remove the following accounts, they don't belong to me..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..Please delete the accounts asap XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX
Someone tried multiple times to apply for a capital one credit card and it came to my email. So when I check my XXXX account my credit score ( XXXX ) disappeared. I called XXXX, they couldn't do a dispute because of no score was attached, they said I didn't have any history or anything. So I called capital one they send out an email confirming that I didn't apply for anything with them, they're nothing in my name in capital one. and also that is was a fraud alert. I just recieved my first credit card ( XXXX XXXX ) I knew of not to apply for another credit card because I knew that was going to drop my score but someone keep applying on my name. Messing with my credit and now I have nothing. Please help me get score XXXX back pleaseee..
Transunion XXXX added a debt from XXXX XXXX XXXX that was previously removed for being inaccurate/ fraudulent. This acct was from XXXX and a judgement was made in XXXX deeming it false. It was then re added between XXXX XXXX also of this year in an illegal attempt to collect/ re age this debt. I 'd like this removed asap. Being the only negative acct on my transunion profile it has dropped my score significantly.
I have requested that this creditor provide validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 77 days. The collection amount is listed on my credit monitoring site for {$270.00} and I was never made aware of such debt in writing
On XXXX XXXX, XXXX at XXXX am I was contacted by a person saying they were calling from Comenity bank from a blocked number. I believe she said her name was XXXX. I had to ask 3 times what company was calling. She just kept calling me by name. She never verified that I was who she thought I was. She then discussed my personal information about the debt not even bothering to identify me. She also did not disclose that the call was either monitored or recorded if it was. I ended the call. I was called 4+ times that day after I had made contact with her that morning. These people call me sometimes in excess of 16 times a day. I have also received messages that I felt threatened by. Since these people are saying that they are the original creditor is there anything I can do to stop this harrassment?
This was for a XXXX bill in Nevada, which I believe the Statue of Limitations has ran. I received a call at work from XXXX with Avante USA XXXX XXXX, 2016 at approximately XXXX about the XXXX bill. I immediately told XXXX not to call me at work, I 'm not allowed to take personal calls. I told her I would call her when I got out of work or on Monday. Monday XXXX XXXX from Avante USA called me at work again. I called her on my break and told her she violated FDCPA and that carries a fine. I then spoke to her supervisor and told him the same thing.
Equifax is not allowing me to see my credit file and my credit score because they put my credit file in the consumer affairs department.
On XX/XX/XXXX, I filed a complaint with the XXXX regarding XXXX student loan accounts on my credit report. They stated that there were included in Chapter XXXX bankruptcy on XX/XX/2012 which is clearly incorrect. I never filed Chapter XXXX bankruptcy and on XX/XX/XXXX, I received a response from the XXXX from their XXXX Associate, XXXX XXXX, that he reviewed my credit report and it does in fact show that I do not have a Chapter XXXX bankruptcy on my credit report but yet verified the status of all XXXX accounts stating that they were in fact included in Chapter XXXX bankruptcy. This is a huge red flag and a violation of the Fair Credit Reporting Act.
Purchased a new XXXX vehicle in late XX/XX/XXXX. Loan was provided by XXXX XXXX XXXX XXXX. 15 Years has elapsed since the loan was taken out, and the loan was paid in full. I am selling the vehicle, but unable to locate the title. DMV requuires Letter of Lien Release. Charter One is now defunct. It was apparently taken over by Citizens One / Citizens Bank per the FDIC website Tried using their " MyTitleSuppor : title service on XX/XX/XXXX,  which is unable to find the title. Tried calling Citizens Bank and they are unable to find the vehicle in their records.
I was charged {$130.00} from a merchant to repair my iPhone. The workmanship was poor and the phone screen came off a week later. I presented the proper evidence for a refund and they did not issue me a refund. They then promised to issue me a refund, they never issued me a refund, and when I called back, they said they would no longer honor the original amount of the refund offered.
I used a template found on the CFPB site to dispute this account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since they failed to properly validate and send me everything that the CFPB says I can request.
There are incorrect addresses and names on my credit report. 
There is a name of XXXX XXXX on my report - I do not know a XXXX XXXX. 
There are addresses on my credit report that I have never lived or resided. 

I have formally requested my address and name be updated on my report and I received a copy of my Experian and XXXX  with the information unchanged. 

XXXX  has updated my information with my correct name, employer and address.
I AM ATTESTING THAT THE INFORMATION ON THIS COMPLAINT IS ACCURATE. 

PLEASE NOTE THAT I AM DEMONSTRATING THROUGH CLEAR EVIDENCE what TransUnion has done. More specifically, failing to re-investigating certain challenges " not disputes '' and for them having lied about it. 

I have attached the letter addressed to them, but fear that they will provide another " generic response. '' I am fully aware of the laws around the FCRA and from the looks of it, evidently, they are not only making it worse for me by leaving the injurious items on my report, but are also boldly ignoring CFPB 's Credit Reporting Settlement Act/Agreement 's requirements by lying. 

REVIEW AS NECESSARY AND IF NEED BE, YOU ARE FREE TO PRESS CHARGES AGAINST THEM FOR GROSS NEGLIGENCE AND WILLFUL NON-COMPLIANCE
My daughter - XXXX XXXX XXXX - took out XXXX {$30000.00} loans. I co-signed a XXXX for XXXX of those loans. The college is XXXX XXXX XXXX XXXX and XXXX. The loan servicer is Navient, the former XXXX XXXX. Navient calls at all hours, and on weekends, as phone logs would support. I have responded a number of times. My daughter has attempted payment arrangements, and on the first payment they raided her checking account the night before payday and said she defaulted because the money was not in the account. The money was not in the account because they tapped the account early. My daughter wants to make a payment arrangement that her income can support, and that will cease the abusive tactics from Navient. When she was on the phone with a Navient collection agent, he yelled at her, threatened litigation, and would not accept a date for a payment arrangement. This agency, which conducts abusive, harassing tactics as a business model, calls my daughter at her workplace when she has asked them not to do so. I am the co-signer for XXXX loan, but the terms, fees, rates were never discussed with me by anyone at XXXX XXXX XXXX XXXX and XXXX, nor were they explained to my daughter, who was XXXX years old when she enrolled in 2004. 

My email is XXXXXXXXXXXX and my phone is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Eagle recovery has continuously called me but not once sent me anything via mail to make payments on my medical bill that is in collections with them until they wanted the full amount. Now they want an outrageous monthly balance even though I try and work with them. Claiming it will be too long to pay off if I give them a smaller monthly balance. I thought that 's what we were talking about in the first place, and what I was giving them was reasonable for what I can afford on a single persons budget with everything else I have to pay. They are n't the only bill.
The collection agency mentioned herein has listed an unknown account on my credit report with the Credit Reporting Agencies ( CRAs ). It is to be noted that I have no knowledge of this debt whatsoever. It is totally and utterly unverified, not validated and is being reported fraudulently. In light of the foregoing, I hereby engage the CFPB and request that it used its administrative powers to force this seemingly unscrupulous company to comply with applicable provisions of the FDCPA.