WillisBack/dataset-financial-user-claim huggingface dataset:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LEXIS NEXIS. My information used to obtain medical, housing, and surprisingly a TAX LIEN. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
My corp chain # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Pa XXXX Business Name : XXXX I was charged {$75.00} to remove a feature offered by XXXX XXXX when using their " quick shopping cart '' product. 

The feature is on the " Set Up '' tab, " Operations '', " Payment Options '' tab on the XXXX XXXX Website. As a merchant, you must select this " credit card ( Recommended ) '' option, in order to get customers who would like to pay with credit cards. This is a {$10.00} a month charge from XXXX XXXX which is managed by First Data ( known as " XXXX '' ). 

I switch products with XXXX XXXX by removing the " quick shopping cart '' product and added the " online shopping store ''. With the online shopping store you no longer need the feature " credit card managed by first data '' because now it 's all included for free in the " Online shopping '' product that XXXX offers. 

When I enrolled with the " Quick Shopping Cart '' I never received information on a fee would be charged if I cancelled. I was also not aware that I would be put on a contract for 3 years until XXXX 2018. I clicked the green check marked within the XXXX site and then received a call from First Data on how to put a code into the website in order to start receiving customer credit card statements. 

I am disputing this because I never received paperwork that a cancellation fee of {$75.00} would be charged, therefore I should receive my {$75.00} back.
On XX/XX/XXXX my daughter started an Application online to borrow money from XXXX XXXX. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.XXXX ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that XXXX sent money, refund to XXXX was requested. Due to bureaucracy, it did not happened immediately. XXXX started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to XXXX false report.
" " '' I have disputed this collection on thisXXXX XXXX XXXX XXXX XXXX  for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I have been a full time XXXX XXXX XXXX XXXX since XXXX. I completed a XXXX in XXXX in XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an XXXX.
On XX/XX/XXXX I closed my capital one secured credit card account and paid the remaining balance. When I opened the credit card account, I put a {$300.00} deposit which I am supposed to get back. I have called and talked to thier customer service three separate times and they claim the check was sent out on the XX/XX/XXXX but they would send an email to the department to cancel it and have another check sent out. I still have not received the check and I don't believe that I will receive it unless someone forces them to give me my money that they owe me.
I am trying to pay off my car loan about 6 months early. Bank of America seems to purposely make paying off a loan difficult possibly in the hope that customers will make a mistake in paying it off and either continue to be charged interest or get nailed with an extra fee or fees. 

Every payment I 've made has been online. However, to make the final payment they require you to send them a physical check to a specific address and alter the check with your account number etc ... They do not offer you the option to pay online, it is not one of the options listed over the phone nor do they have any reasonable explanation for why any other financial transaction on the loan is able to be done online but they make the payoff difficult. 

Sending a check through the mail could have a delay, and if it takes a few days the customer is beyond the payoff quote date. This would mean that they have another few cents in interest. That in turn would turn into a large fee if the customer thinks they 've paid off the loan and does n't realize they 've added a XXXX cent charge. After 30 days you have a fee, after 60 it 's compounded until a customer could end up with hundreds of dollars in fees. Additionally, paying online would guarantee that everything is clear. Asking a customer to write their account number on a check is one more situation where the Bank can claim there was difficulty in reading the number and cause more delays. There is no other explanation but wanting to give a customer the possibility of racking up more fees, and to also discourage the customer from paying off a loan early for why B of A does not allow the same form of payment for the payoff it does for all other payments.
I see that I have a dept collection of {$340.00} from stellar Rec that was opened in  XXXX / XXXX / 17 . I DID NOT OPEN ANY ACCOUNT, THEREFORE I DO NOT OWE ANYTHING TO THIS COMPANY!!! PLEASE HELP!!!
My payment has been at XXXX due to my salary range. This year my wife and I filed jointly and I submitted for my re-approval of the current plan it was on. I was denied and my payments were reconfigured ; however, when reconsidering my plan they do not take into account that my wife also has student loans. My wife and I both have federal and private student loans that cost us over {$1600.00} a month. I was told that if I was to file separately nothing would have changed. This does not seem to make sense to be punished by loan payments because I was open and honest about our current situation. The federal loan servicing should take into account my wife 's loans if they are going to count her salary. 

Additionally, I was also told that my loan payments would be back dated because I was approved for the loan forgiveness by someone in XX/XX/XXXX. I was just notified that it was incorrect. I was told that my payments should be back dated to the start of my date of employment.
XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Hello, On XX/XX/XXXX I enrolled into a repayment program with the company XXXX. Beginning on XXXX, and continuing on XXXX, and XXXX, monthly credit card payments were deducted from MY bank account towards my balance with XXXX. 

I was told that after my last payment on XXXX that my account would be made " current '' on their end internally, and that I would receive a new statement, and updated balance to be paid in XX/XX/XXXX. I was also told that my account wouldn't be considered late, or reported to any CREDIT REPORTING AGENICES, as I was making the agreed upon payments. 

In XXXX I began receiving " account past due '' phone calls, letters and emails ; despite having made 2 payments at that point. I contacted XXXX, and was told that this was an error on their end, and that it would be corrected, and my account was not being reported as being delinquent, on either their end or with the credit agencies. 

Two days ago, on Saturday XX/XX/XXXX, I received notice in the mail stating that my account was more than 60 days past due, and after checking my CREDIT REPORT, I noticed that XXXX had reported me for nonpayment. I spoke with XXXX again, today, XX/XX/XXXX, and was told that my account will be update by mid-month, but that the customer service representative I spoke to couldn't correct the INCORRECT issue report to the 'Big 3 ' Credit Bureaus. This is what they told me last month, and their incorrect, and deceptive practices are effecting, i.e., lowering my credit score.
Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!
I recently submitted a complaint about my Macy 's account, regarding the Service Member Civil Relief Act being applied to my account. Some ajustments were made, however that is not the full amount that was owed to me. I joined the XXXX in XXXX of XXXX XXXX, went to the XXXX until XXXX XXXX. From XXXX XXXX to present, I 've been on XXXX. It 's XXXX years and a XXXX. I only received {$2000.00}. In XXXX, my fees were {$95.00} and interest {$410.00}. This year so far, my interest is {$180.00}. So its no way possible that the refunded amount that I received, covered fees, and interest for a XXXX year period. I do pay my account on time and just need Macy 's to fix this problem. It 's been six months, and I 'm still getting the run around ; why is this minor problem being such a hard fix for a mega store. My previous complaint number : XXXX. 

Thanks. 
XXXX XXXX, XXXX
I took out a personal loan on XX/X/15 for the amount of XXXX paid over 3 years. To my surprise what I thought was a 24 % interest loan turned out to be will over 46 %. I have paid into it currently {$7400.00}, and I am told I have another {$3800.00} in interest alone, another year to finish, which brings my total to {>= $1,000,000}, {$5300.00} in interest alone, I find that disheartning. I have never missed or been late and find the amount owe egregious and overbearing, especially when considering the amount of interest owed.
While checking my Equifax credit report, I noticed unauthorized and fraudulent credit inquires made by the following Creditor 's : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I did not authorize any of this companies to make any inquire and view my credit report. 
I have called Equifax several times, and I spoke to different representatives, no one is willing to help me. I sent a letter asking for verification, and proof of my signature, and I did not receive an answer. 
I asked Equifax to send me written confirmation that they have complied with my request within 5 business days or, it will be my evidence used in Federal Court of their willful noncompliance ( XXXX U.S.C. & XXXX ).
Have received numerous calls from. XXXX XXXX XXXX but no voicemail as to what they were calling for ... I called the number back and the representative i spoke with was one of the most rudest people I have ever spoke with ... .when he answered I could n't understand bis name..I stated I 'm sorry what was your name..he stated to me very loudly and rudely MY NAME IS XXXX!! WHAT IS YOUR NAME AND WHAT DO YOU WANT!!! I stated that i have received numerous calls from this number and was inquiring as to why they were calling..he repeated my number back and stated that owed cash net XXXX..i told him i needed some verification of this debt..be said that they have sent me out numerous letters..told him I 've never gotten anything..he said..yeah sure..that 's what they all say..he said listen up miss..we have had it with deadbeats like you..my company is going to have you arrested for cashing a bad check with Cash Net ... I told him I do n't intend on paying anything without some validation..he said we have sent you out eveything you need to know..next step is the local authorities will be notified of this. ..and arrest you..I told him..well I 'll be sitting here waiting..thank you. Have a nice day..and i hung up..he immediately called back and gave me a case # and said good luck deadbeat ...
1. All XXXX agencies, XXXX, TransUnion & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.
After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference. 

Equifax : XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from  XXXX XXXX, XXXX
Transunion denied me my free annual credit report, claiming I had already received it. I used the XXXX  site to request my three reports. While on the Transunion site I encountered an error which cause the site to fail to proceed. After reattempting to request my report I was told I had already received it. I had not. Of course, they then attempted to sell me a report.
My loan documentation states that private mortgage insurance is to be automatically terminated on XXXX XXXX, 2015. My loan is current and all of my payments have been made on time, yet Ocwen ( who purchased my mortgage ) refuses to terminate the PMI. I have provided them with the document that I signed at loan closing indicating that the PMI is to be automatically terminated on XXXX XXXX, 2015. However, they keep on sending me " Borrower Requested PMI Cancellation '' forms that require me to pay for a current appraisal. The termination document states that the PMI should terminate automatically by the lender, and that this is based on the original home value and the date when the loan is scheduled to reach 78 % according to the original amortization schedule. I have contacted Ocwen several times and each time they have indicated that they will send the issue to their PMI department who has done nothing but send me " Borrower Requested Cancellation '' forms and insist on me paying for an appraisal.
Toyota Financial Services does not allow a person to pay additional money towards the principal and applies the money to future payments. A representative stated that a person has to send a separate check to a different address to pay off the principal. This procedure is not mentioned in loan documents or the monthly statement. I find this business practice to be deceiving, unreasonable, and a disservice to the customer.
Responding back to EQUIFAX PER THE FCRA SECTION 609 THE LAW STATES THE REPORTING AGENCY HAS TO HAVE THE CONSUMER ORIGINAL SIGN DOCUMENTS ON FILE WHEN REPORTING ADVERSE ACCOUNT INFO THAT IS WHAT I 'M ASKING FROM YOU READ THE FCRA 609 IF YOU DO N'T CLEARLY UNDER I HAVE ALSO CONTACT MY ATTORNEY GENERAL XXXX XXXX TO GET INVOLVE IN THIS MATTER AND WILL FILE LAWSUIT AGAINST EQUIFAX AS OF FRIDAY I HAVE ATTACHED CERTIFIED MAIL RECEIPT OF WHEN I ASKED EQUIFAX TO SEND ME THE INFO THAT I 'M REQUESTING. THEY ARE IN VIOLATIONS OF THE OF THE 609 AND 611 FCRA SEE DATES OF CERTIFIED MAIL IN FILE
Several months ago I received a debit card from TD Bank which I did not request or apply for. I promptly cut it up and threw it away. 
Two days ago I received a bill for {$33.00} from TD Bank for Sustained OD Fee, Maintencance Fee, Paper Statement Fee. 
I have called TD Bank twice and after lengthy telephone hold periods I was asked for the last XXXX digits of my social security number ( how did they get that ) and told to go to a branch office to cancel this fraudulent account. It is not convenient for me to go to a TD Branch office. Please see the attachment. Thank you very much for your help.
USAA XXXX intentionally orders transactions in order to collect more fees. USAA FSB has stolen {$58.00} from me.
XXXX XXXX took out XXXX XXXX loans in access of {$40000.00} around XX/XX/2010, Interest as high as XXXX percent on one loan. XXXX wont work with me to offer lower payment options. I have used their forbearance period for all 3 loans.I pay over {$800.00} per month.
XXXX County Ford Dealership faked my signature on a credit application for a {$3500.00} cash advance from Ford Credit Services. I discovered this issue once I received the payment booklet for the XXXX/Ford Credit Services in the mail. I am XXXX years old and was taken advantage of by Ford Credit Services in this transaction. 
I did dispute this loan with Ford Credit Services and was told by them that they did not have RESEARCH whether fraud was committed against me that they instead dismissed my Consumer Credit Loan Dispute without any investigation, since they received a letter from the Ford Dealership that I did agree to the loan with them even though their was no evidence presented by the dealership to Ford Motor Credit that I did apply for this loan. 
I believe Ford Motor Credit Services should be fined by the XXXX Government for not upholding my legal rights under Regulation Z of the fair credit act, since they directly told me they did n't investigate any fraud activity and simply agreed with the Ford Dealership. 

I want Ford Credit Services to investigate my fraud claim and if found that fraud was discovered have my Ford Motor Credit Services / XXXX loan closed.
I had signed up for a small loan with the comapny Money Lion early XX/XX/2018. The loan was for {$600.00} to be paid in weekly installments of approximately {$24.00} at 5.99 % interest. It wasn't clearly explained that I would also be signing up for their membership with a fee of approximately $ XXXX/week as well. 

I paid the loan off and the weekly membership fees late XX/XX/2018. I request that my account be closed since the loan was paid off and I could not afford weekly fees. I was not sure what use the fees were, but I was desperate and needed the {$600.00} for rent. On XX/XX/2018 I called to close the account. The rep on the phone said she would try to run an ACH payment but it wouldn't clear and I could not close the account with pending transactions The company takes 3-5 business for ach payments and I would have to call in exactly after the transaction cleared from the prior week but before the following payment went into queue. I asked if I could pay with a debit card the next morning if that would be faster. She said if I called first thing ( XXXX pacific ) then I could pay and close the account. 

I called at XXXX on XX/XX/2018 and was told I couldn't process my debit payment because the ACH payment was already charged. She also explained that there were two more payments on my account that would have to be paid before it could be closed. I called back at XXXX to explain that I got a notification that my payment had cleared from the prior week and to see if I could process the payment and close the account. The representative said they had to escalate the issue up and said they would try to cancel the payment. No word back on the status while the payment is still pending. 

Because I was unsure of all the payments being processed I called my bank to put a stop payment earl this morning ( XX/XX/2018 ) on all fees being charge from this company. I am in process of sending a letter to the office address to state in writing that I want my automatic payments to stop and to cancel my account. 

I am a survivor of a XXXX XXXX and suffer from XXXX. I can not handle the stress of this company their lending practices. I feel victimized by their methods to never get out of paying almost {$130.00} a month for a service that offers no benefit, after then loan has been paid off.
I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX  has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXX XXXX  ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX  is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.