WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I signed a three year lease agreement on a XXXX XXXX from XXXX XXXX. At the time the car was not on the lot but expected to arrive within the week. They had told me it is showing on their database as in transit to arrive soon. I left expecting my XXXX within a week at the latest. Two weeks went by and I left for a family vacation without my new car, which I  expected to have for the trip. During my trip they called me to come in for a courtesy vehicle. On XX/XX/2018 I received the courtesy vehicle and again they told me my car should be in this week. They stated the computer showed my car in transit. On XX/XX/XXXX, I made a phone call to XXXX railyard. The manager said that vin number was not showing in her system which means it was not on its way. After that, I went to dealership to complain and ask if they could give me one of the four XXXX 's that were sitting on their lot. They stated it was out of their hands and they could not because I had signed a lease to a particular Vin Number. They continued to tell me my car was showing in transit. I have also been in contact with cooperate headquarters. They could not give me any answers nor were they willing to help me. I wanted out of my lease and after three weeks, I never received an answer. On XX/XX/XXXX, after a phone call to XXXX, I learned my car was finally showing " in transit ''. It's arrival date was XX/XX/XXXX On XX/XX/XXXX, I went to XXXX to pick up the vehicle. They were not willing to make this situation right in anyway. They put the blame on cooperate and cooperate put the blame on XXXX. I was inconvenienced and lied to for almost two months and all XXXX offered was to pay my two lease payments ( which I never actually had the car ). I am very disappointed and completely unsatisfied with XXXX XXXX of XXXX, Ohio.
Since XX/XX/XXXX XXXX  XXXX has been reporting false information to my credit le held by their organization. I aware that Public Records type information is public. I am also aware that main provider of this information is XXXX. Therefore, XXXX  XXXX is in violation of the Fair Credit Reporting Act for false reporting. 

My rst attempt to resolve the false reporting of information was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. In the letter I challenged the accuracy, compliance and report-ability of the listing. XXXX XXXX  responded with a letter claiming to have veried the public record. I sent a letter to the UNTIED STATES BANKRUPTCY COURT - XXXX XXXX of Alabama formally requesting their procedure for verifying records with the credit reporting agencies. The Bankruptcy Clerks Ofce stated, Credit reporting agencies regular collect information from the petitions led and report the information on their credit reporting services. How did XXXX XXXX verify the public record if creditor, in this case, UNITED STATES BANKRUPTCY COURT does not provide information to credit reporting agencies? 

My second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. I again requested validation, accuracy, compliance and report-ability of the listing. I also attached the letter from the UNITED STATES BANKRUPTCY COURT, and requested their method of validation, and declare an opt-out of e-oscar verication. Once again XXXX XXXX response deemed the information veried. 

Laws I can potential le for : 1 ) FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals of the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ) 2 ) US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX FCRA rules allow for up to {$1000.00} per violation. First Communities will also be liable for any court fees.
My loan was sold. The new mortgage servicing company has not contacted me in over 30 days. I have no information other than a letter from my previous servicing company stating the new company PHH Mortage is required by law to contact me within XXXX. I have received nothing from PHH Mortage in over 30 days. 

I would like to know the penalties and legalities of this issue, and get on record that I have received no communication or information as required by law. 

I would like to also know my recourse if possible.
I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since XXXX XXXX, 2016. I have received my title for the vehicle which further indicates that the loan is paid in full.
I applied for a CitiGold bank account with Citibank in XXXX XXXX under a promotion for XXXX XXXX XXXX miles. The miles were to be credited to my account as long as I met the requirements of the promotion. The requirements were {$1000.00} in debit transactions within 60 days as well as bill pay for consecutive months. I met the requirements at the beginning of XXXX, and received confirmation that I met the requirements on XXXX/XXXX/XXXX via Citi 's secure message system from XXXX XXXX. 

At this point, they explained that I needed to wait 90 days for the miles to be credited to my account. I waited the 90 days and secure messaged them again and received a response on XXXX/XXXX/XXXX from XXXX XXXX. She explained that they needed to open another research case to determine whether or not I was actually eligible for the promotion. Keep in mind, at this point, they have collected {$90.00} in monthly fees as the account needs to be open and in good standing prior to receiving the miles. 

On XXXX/XXXX/XXXX I received a message saying that I had met the promotion but they needed my XXXX XXXX account number in order to credit the account. I provided the account number several days later, and waited to see if the miles would be credited. After waiting two weeks, the miles were still not in my account. At this point, I called Citibank to see what the hold was. The customer service representative informed me that the miles usually credit and post to XXXX XXXX after my Citibank statement date closes. I took their word for it and waited until the beginning of XXXX to see if the miles would post. Still no miles. And I was charged another $ 30 monthly fee, making my total monthly fees paid to Citibank to be {$120.00}. 

I secure messaged Citibank again to see why the miles still had not credited to my account. On XXXX/XXXX/XXXX I received a response from XXXX XXXX stating that I was not actually targeted for the promotion so I am in violation of the terms of the agreement. This is in direct contrast to all of the previous emails and messages I have received, and Citibank has collected {$120.00} in fees from me. 

Fortunately, on XXXX/XXXX/XXXX I received a message from XXXX XXXX via secure message that said they would be honoring the terms of the original promotion and I would be receiving the XXXX XXXX miles within 60 days. They said they could not waive the 60 day waiting period. 

This is in direct contrast to the terms of the original promotion which stated that the miles would be credited to my account no greater than 90 days from when the promotion was met. By including this additional 60 day window, Citibank is collecting even more account fees from me. I am incredibly frustrated and insulted by the lack of customer service at Citibank.
Costco transitioned from an XXXX to a Citi Visa card. I made arrangements with XXXX to keep my card and called Citi Visa on XXXX/XXXX/2016 and spoke to a XXXX who told me that they could not cancel an account until after the transition took place. XXXX would not give me an employee number or call reference number. I called back when I received XXXX new Citi Visa cards on XXXX/XXXX/2016 and told the operator I did not want this account, that they did not have my permission to open a credit line in my name and to cancel the account. The operator told me that all I had to do was not activate the cards, cut them up, and the account would never open. They told me they could not open an account without my activating my card. I received my first statement today ( XXXX/XXXX/2016, for {$0.00} ), called the general line and learned that I had an open account with a credit limit of {$14000.00} ( and a large cash advance option ) with Citi Visa. I finally spoke to XXXX who told me I did have an active account, that it automatically rolled over from Costco. I told him this was a fraudulently opened account and to cancel it immediately. He started the regular " well we can offer you ... '' then I mentioned I was contacting the CFPB and he promptly canceled the account and apologized, so thank you, your name alone is doing XXXX work. XXXX also flatly refused to give me any internal call tracking number that I could reference in case they " lost '' record of my cancellation. I also noticed Citi Visa reserves the right to share my personal information with their advertising partners, I assume the damage was done the moment they fraudulently opened the account in my name without my permission. I also assume Citi Visa is going to report to XXXX, XXXX and XXXX an account for XXXX that was open for one month then closed, negatively affecting my credit report. I 'm glad they 're still serving the taxpayer after that $ XXXX ( and priceless government backstop ) that we gifted them.
Mariner Fiance Has Called Multiple Times A Day Demandinf Debt Collection Threating A Lawsuit And Threatened Seizing My Property. CALLING EX WIFE, FIANCE AND EVEN CALLING FROM THEIR PERSONAL PHONES, they refused to provide correct interest rate and the original paperwork doesn't match and they refuse to provide proper paperwork
I have a VA home mortgage with XXXX XXXX that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and XXXX XXXX   was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that XXXX XXXX   would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, XXXX XXXX  reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with experian and they came back removing the loan from my report altogether. I disputed through experian again and heard nothing, so I called. That is when it was explained that XXXX XXXX  told them to remove the entire loan from my credit report altogether. I contacted XXXX XXXX, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on my credit report.
I'm on XXXX my check go to XXXX they have my money and I can't get it. Called them and they said it was happening to a lot of people and they were trying to fix it 3 daysstill not fix and can't pay my rent or bills try calling again and there not taking call please hehp soon
My wife and I are joint holders of a Citi Credit Card, which is predominantly used by her. The card has been charged from the inception of its account for " Payment SafeGuard '' for a service we did not select. We were not aware about this charge until I saw the credit card statement in detail today. When we spoke to the representative he mentioned that it is our job to call and tell Citi that we do not need this service. 

More on the Service : https : //www.cardbenefits.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB has already caught Citi for doing this before. I also believe that this matter is the same as : https : //www.consumerfinance.govXXXX We would like a full refund for this charge from the inception of the account.
After providing all the documents Nationstar Mortgage LLC asked for a few times over they told the company who helps to modify my loan that I am not qualified. They said if they were to qualify me my monthly payments would be over {$8000.00} a month! That means I have to make over {$24000.00} a month to be qualified. My payments before the hardship was less than {$4000.00} a month and I do n't know how do they calculate in order to come up with such a number. I called and they said the new loan is based on remaining years on the loan with fully amortized. I have heard that banks and servicers offer 40 years with low interest. 
The other problem is when I sent them my income and stuff they still think I do n't make enough money to qualify even for {$4000.00} I was paying before. I do n't think they have all the facts and are not applying correct numbers I sent to them. 
I still do n't have a final letter of denial in writing from them to me but just a note to the law firm who is representing me. I am wondering and scared they may go directly to foreclosure without giving me the chance to appeal and or send my income again because I am not sure their calculation of my monthly income and expenses are correct. 
This happened before when my loan was with XXXX XXXX XXXX and then went to XXXX and now at Nationstar. 
The other thing is all the assignments and transfer documents they presented to me were false and not signed by real people. I have sent them all the recorded documents but they still are trying to use the existing fraudulent and fabricated documents to foreclose on me. 
Nationstar filed a Notice of Default XX/XX/XXXX and Notice of Sale XX/XX/XXXX using fabricated documents. Someone by the name of XXXX XXXX as VP of their company and at the same day and time as VP of XXXX XXXX on same date and time!!! signed Substitution of Trustee and Assignment of Deed of Trust. My question is if you can be a Vice President for XXXX different company in XXXX different countries at the same time??? 
XXXX XXXX XXXX tried the same documents but failed and paid a penalty through Independent Foreclosure Review and now Nationstar wants to do the same thing again. 
I need your help to resolve this matter. Thanks
Dear Support Representative, I just discovered this and it has been effecting my credit since XX/XX/2017. 
My family been a customer of XXXX for 15 years and handling this account for almost 10 years paying all of my bills on time. 
I never opened the account that is in collections and marked with XXXX and pay my bills with XXXX on time every time for a decade now. 
I would appreciate if you can help me remove this derogatory mark as it affects my credit history. 

Sincerely, XXXX XXXX
This number constant calls me several times a day and when I pick up there is never anyone on the line and it disconnects.
RE : CFPB Case number : XXXX On XXXX/XXXX/XXXX, a representative from TSC A/R Solutions received an itemized statement to verify the balance due. ( see attached ). Identified as ( XXXX XXXX XXXX ), the itemized invoice and statement clearly and unequivocally states that the balance due from the patient is {$0.00}. 

The debt collection agency claims it is authorized to accept a settlement of 80 % of the balance due ( i.e. {$0.00} ) and if the consumer pays this amount ( i.e. {$0.00} ), TSC A/R Solutions will delete this account from their credit record. 

This is a deceptive and illegal attempt under the " pay for delete '' method, considering that 80 % of the balance due from patient ( i.e. {$0.00} ) is {$0.00}. This has possible grounds for legal action against the debt collection agency for which I may seek legal advice on the matter. 

Furthermore, it is important to note that since XXXX credit reporting agencies ( i.e. XXXX ) have investigated this trade line and have deleted this inaccurate information from my credit report.
The following addresses does not belong to me and are showing in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Also all the following names are incorrect/innacurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am delinquent with my home mortgage and have a foreclosure sale date scheduled on XXXX/XXXX/15. My mortgage company is Ocwen and they are reviewing me for a loan modification. I need help getting the sale date postponed to give more time for the review. Any assistance you can provide is appreciated, thank you.
I opened a secured card with Capital One. When I downloaded their app and made a password and username, my ex girlfriends account was on the app as a payer, who was not authorized. A representative for them said it was a computer error, because we had joint accounts in the past. As of today, I 'm being charged interest and late fees, contrary to what I was told. My attorney advised me to try to work something out, to no avail. My credit report is getting worse because of them.
I 'm not sure how to file a dispute for a wrong address. There is an address on my report, that I have never seen or lived at before.
Background screening for lease on new house turned up someone else associated with my social scurity number on credit check.
All three XXXX bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.
My name is XXXX XXXX XXXX I called wellsfargo to speak to XXXX XXXX XXXX at XXXX ext XXXX .I left XXXX voice mail to return my call.he did not return my calls for a remodify my ex-wife made in XXXX on loan # XXXX client XXXX .it is a different amount from original amount from XXXX remodify in XXXX. I feel that there is foul play in this matter and I want answers.in the divorce decree in XXXX my ex-wife XXXX XXXX XXXX was to assume the loan and I signed over a quick claim deed where she XXXX XXXX XXXX ( ex-wife ) is responsible for the mortgage, taxes and insurance she also filed for XXXX XXXX in XXXX .why is the mortgage still showing up on my credit report.
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Portfolio Recovery Associates which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in  violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Exeter Finance repo this vehicle with my ex-wife. After being repo from her they stated that I will given a chances to keep the vehicle in 10 days. Exeter Finance violated the Fair Credit Reporting Act because they did not send a certified letter within 10 days of the vehicle being repo. I never received any documents on these vehicle sell date or auction date. I was never given a chances to buy back this vehicle or pay the past balance.
XXXX XXXX XXXX XXXX, Transunion credit report had negative collective items reporting due to a mistaken identity ( similiar name ). Transunion removed the negative items, but still reported them to existing lenders. I request that transunion send updated copies of my credit report to all existing lenders. This took place in XXXX of 2018. As attached below you can see a snap shot of XXXX XXXX 's transunion credit report. XXXX XXXX 's score dropped significantly in that month due to fraudulent information reporting.
XX/XX/XXXX I was a junior/senior at XXXX Univerisity. Mid semester I believe around XX/XX/XXXX or XX/XX/XXXX my school notified me that they were sorry but Sallie mae took back your loan because that specific loan and will not give it back. I ended up coming back home an facing and extreme debt .. I then worked retail jobs to pay for a XXXX school part time so that I could attempt to finish.. while delaying my loans.. i entered XXXX in XX/XX/XXXX and most of my credit or some didnt qualify because I went from private college to XXXX. I had to work my way to school hoping to get a career to one day pay this large debt. Since having this debt I have been XXXX   and currently was out of work for 2 months with a XXXX XXXX XXXX XXXX. I am now struggling once again with all my loan debt due and no options for anything else and I have 3 more classes left of school and due to my illness now have to hold off again.. if I had graduated in the summer of XX/XX/XXXX and my loan had not been taken away I would have never had to be in such a large debt. I am current looking for lawyers as it would be impossible for me to pay off the over XXXX debt with my retail job and because my loan was private Navient is now hitting my credit score. I need advice or secure and safe lawyers I can use as when previously seeking outside assistance I was scammed and the companies did not help with my debt. Navient only leaves me in the option to pay and although this has cause me extreme XXXX  I dont mind spending my life in court battling it out with them at this point.
Experian is reporting on report XXXX account is reporting wrong date of XXXX delinquency. XXXX account was sold/transferred XXXX times. Date of XXXX delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.
Greetings, I have initiated a multiple disputes with EQUIFAX over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the EQUIFAX to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '', " XXXX XXXX '' " XXXX XXXX   XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my EQUIFAX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know.

Reporting Accounts : 1 ) XXXX  XXXX XXXX - Account # : XXXX Opened : XX/XX/XXXX 2 ) XXXX XXXX - Account # : XXXX Opened : XX/XX/XXXX 3 ) XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Thank you for your assistance in resolving this matter. 

Regards,