WillisBack/dataset-financial-user-claim huggingface dataset:
I was charged on my Chase VISA by an XXXX for a plane ticket I neither wanted nor ever used. I 've spoken to Chase representatives numerous times over the last 90 days. I 've also submitted numerous messages to their secure online messaging center, but never received more than an automated response. On my phone calls I 've been told repeatedly that a dispute would be processed. The initial charge was reversed but then keeps reappearing. I submitted documentation as evidence that I never purchased a plane ticket from the XXXX, but Chase 's Dispute Department said they have no way of receiving such documentation through their own secure messaging center. This {$670.00} charge remains on my credit card without any process for reversing it. I never permitted, requested or signed my authorization from this XXXX for a plane ticket or any other service.
In XX/XX/XXXX, I bought a new car from XXXX XXXX in XXXX. On XX/XX/XXXX, I found out the dealer falsified my interest rate, corruptly increasing my preapproved rate of 0.09 % on my XXXX, XXXX credit scores, without my consent, justification, or authorization to 6.65 % over what was approved to be by CapitalOne Auto Finance, at 0.9 %. That low rate was advertised on TV in the Washington, DC area. 

In further review and speaking with CapitalOne Bank 's local CSR and Mgr., it was confirmed that by XXXX XXXX increasing by fraud, my interest rate, their criminally inflated processing fee of {$700.00}, while also fraudulently including the {$800.00} GAP and {$4000.00} Warranty, exceeded my approval for a different car CapitalOne was ap approving at {$39000.00}, not {$45000.00} at payments of {$450.00} instead of {$760.00}. 

Since XX/XX/XXXX, CapitalOne Auto Finance has repeatedly made excuses why it will not correct by refinancing my discovered illegally made RISC ; And CapitalOne has also ignored XXXX XXXX 's TILA and FCRA, consumer fraud It, CapitalOne Auto Finance knew, was [ made ] aware of, and both XXXX XXXX and CapitalOne had, thereafter, engaged in a criminal scheme to perpetrate against a consumer, consumer fraud conspiracy under Federal and State 's criminal Statutes and Codes, Laws, making it a crime for a bank to know of TILA, FCRA, contract frauds as demonstrated and shown by the facts and documented evidence. ( See. FTC v. Auto Dealer 's FRAUDS, XX/XX/XXXX ). 

According tto CapitalOne Auto Finance, their attorneys ordered and directed XXXX XXXX to cancel the first contract and rewrite the new contract with the removed illegal charges, interest rate and with the correct total of the loan not to exceed {$39000.00}, their maximum new car loan amount being {$40000.00}. 

Can your firm help me to have TILA and dealer fraud and consumer fraud criminal charges instituted against XXXX XXXX, its business manager, and owners who repeatedly have ignored CapitalOne Auto Finance 's directives to cancel and rewrite and that has since cost me more than {$4000.00} in excessive car payments, interest charges, and other charges that was incurred to keep my XXXX, excellent credit score. 

Thank you. 

Respectfully yours XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I have an student loan through wells fargo. Last XXXX/XXXX ( XXXX ), I began the process to consolidate my students loans into one loan. During this time, Wells Fargo frequently sent the wrong forms, or the forms were incomplete ( missing pages ). This resulted in the process taking much longer than needed. I spoke with multiple representatives from the company during this time to get he process completed. In XX/XX/2018, I spoke with a representative about missing paperwork. In early XXXX, I spoke with yet another representative that stated if I had everything in by XX/XX/XXXX, then my account would be fine, and everything would be listed at current and up to date. They completed the consolidation on XX/XX/XXXX. I recevied a notice that 4 of my accounts were being listed as 60 days past due. This had a massive negative impact on my credit score, as well as my husband, as he is a cosigner. It showed that 4 accounts were seriously delinquent. I was assured by more than one agent, during this process, that this would not be the case, due to their issues with their paper work. I called in late XX/XX/2018 and spoke with a representative about this issue showing on my credit as delinquent by 30 and 60 days. The representative once again assured me that these would be fixed and reported to the credit agencies. I then received a letter in XX/XX/2018 stating that they would not be fixing this issue. I then spent months trying to figure out why this was an issue, and why it was still on my account. I spoke with someone from their dispute dept in XX/XX/2018, and requested and investigation be opened, as this information was not correct, and their company reassured me, repeatedly, that this would be removed from both mine and my husbands credit reports. I received another letter 2 weeks later stating that the investigation was complete and no changes were being made. I then called to request the recordings of my phone calls in XXXX and XX/XX/2018. I was never given those, and the company has been less than forthcoming with their information regarding this matter. I have sought legal action at this time, and contact an attorney last week, XX/XX/2018. I have also filed complaints and disputes with all 3 agencies at this time. I have read through a number of similar issues regarding Wells Fargo, and I am more than convinced that they reported this inaccurately, and on purpose, to increase my interest rates. I feel that they do this so that you can't go to another company, since they know they ruined your credit score.
I checked my credit and XX/XX/2018 and show was a collections under Transworld System INC XXXX, I never get any notification from this debt ever, I called and they claim account was for XXXX XXXX   a bill I never know I owe, a contract claim an expense, I immediately paid explain since I never get any notification they offer remove from my credit, but still show. I mailed a letter requesting a remove but never answered
I disputed an account listed on my credit reports by XXXX XXXX, XXXX hat did not belong to me and it was removed because they could not verify it. Apparently XXXX XXXX, XXXX then sold it to Transworld Systems Inc. and it was added to all three of my credit reports. I did not receive a dunning notice nor a notice of my right to dispute before that added this account to my credit reports. I wold like the erroneous debt removed from my credit reports immediately
I discovered a collection account reporting on my XXXX credit report. I disputed said account with the credit bureau. a few days later, I received a letter in the mail from U.S. Collections West.along with a few documents alleging that I owe over {$5000.00} said documents have been altered .the matter grossly misrepresented. the creditor actually owes me a refund of my security deposit. I have evidence the creditor breached the lease. .I called the agency and explained in detail that the debt is invalid.I have sent certified letters to both the original creditor and the collection agency explaining my position. the agency has since verified said account on my credit report.I may have to pursue legal action to resolve this matter as the agency refuses to investigate further or remove the illegal account.
A website company XXXX with no phone number charged my account {$25.00} for merchandise I did not receive and another {$5.00} to ship it. XXXX XXXX XXXX denied the refill and said I had XXXX to see my XXXX. Great, I'm fine with that but XXXX XXXX isn't accepting my explanation. THey haven't even reached out to merchant. All they do is send it to XXXX or XXXX who do not understand XXXX as primary language. Sanctions and interest should be paid for withholding this dispute unfairly and illegally, not put me through a paper chase.
XXXX XXXX has furnished Experian, XXXX, and XXXX, with inaccurate information to be reported on my credit file. I was never notified of such accused debt and only came to realize this information was on my file through my own investigation. This debt is unsubstantiated, and could not be validated by the alleged 'original creditor ', who stated that it could n't provide copies of original signed contract, and was unable to review original account level documents. 
Upon these finding I contacted XXXX XXXX in a certified letter via United States Postal Service. Under Massachusetts General Laws M.G.L. c. 93, s. 58 the reporting agency ( XXXX XXXX XXXX ) had 30 days to respond in writing to my inquiry and dispute. They have been negligent in regards to responding. It seems they have no intention of proving the debt when in fact they have the burden to prove the debt is in fact owed and accurate. To date, XXXX has a poor track record in regards to it collections and business practices, which had resulted in numerous fines from the U.S. Government and individual states as well, including Massachusetts. The illegal actions of XXXX XXXX XXXX have cause XXXX consumer 's credit files to be tainted with negative information, including myself.
Equifax does not deliver credit reports via XXXX. The request always crashes and the consumer gets a message that the report can not be delivered online and must be delivered by mail. This is designed by Equifax to make the consumer endure the hassle and time delay of requesting the report by mail or forcing the consumer to BUY the report online. This is by design. Yes, it is.
I graduated XXXX in XXXX XXXX and could n't find a job until XXXX XXXX. But my private loans would n't put me in a deferment status saying I used it all up when I graduated XXXX. Now my loans are close to default and I 've tried to make payments once I got my job but then was let go and they do n't care and are about to default my loans.
This complaint is about fraud student forgiveness programs and not doing as they promised. I refuse to payback Equitable Acceptance for their fraud and I will not have my credit ruined because of it. 
Equitable Acceptance promised to get rid of my loans after paying consistently {$49.00} for 3 years until my changed balance of my loans, {$1300.00} was all paid off. 
I was a student at XXXX  College for XXXX XXXX and the program was {$17000.00}. I applied for financial aide and they were able to give me four loans. The first two loans was given to me on XX/XX/XXXX. The Direct Stafford Loan which is {$3500.00} and a Direct Unsub Stafford Loan for {$6000.00}. The next loans I received was on XX/XX/XXXX. Direct Stafford Loan of {$1500.00} and Direct Unsub Stafford for {$660.00}. I paid this through XXXX. It was a student program that combined all my loans into one and each of my monthly payment of {$120.00} would be split into four for each of the loans. The monthly payment got too high for me so I decided to stop on XX/XX/XXXX and sign up for an income driven repayment plan, which was XXXX. I joined on XX/XX/XXXX. All my remaining loans transferred to XXXX and they consolidated my loans into {$11000.00} as my new balance and marked it as pain in full on XXXX. Seeing the amount of my monthly payments in advance made me realize it wasn't the help I needed. I started looking into student loan forgiveness programs. I found out about Equitable Acceptable. Their plan was to have me pay monthly {$49.00} for years until my new current balance for {$1300.00} is paid off and it will have all my loans removed. They promised me that I will have nothing to worry about as they will reduce it until I have no more student loans. I received a call from XXXX on XX/XX/XXXX informing me that I was late on my loans and now I owe {$11000.00}. None of the money I was paying Equitable Acceptance was going into my loans. I have paid Equitable Acceptance about {$360.00} that never went into my loans at all. I called Equitable Acceptance to ask about the situation. They refused to tell me where any of my payments were going and also wouldn't send me any receipts showing my payments. He told me to contact Simple Repayment as for they handle all the money? I've never heard of them and I had no idea they were part of this program that was handling my money. I'm furious. I told the person on the phone how my loans got higher because none of the payments I made was going into it and the man got dismissive. So I asked to be removed from the program and he wouldn't give me that option until I pay off my balance. I will not be continuing my services with Equitable Acceptance or Simple Repayment for they are putting me more in debt instead of helping out. I am not dealing with this program anymore and I will not let them ruin my credit because of this. I will take further actions and will get a lawyer involved if this isn't straightened out. I will not let this scam ruin my credit.
I checked my credit report yesterday ( XX/XX/XXXX ) and noticed I had an account in collections from a Cable company from back in XX/XX/XXXX. I was not aware of the balance so I called the Enhanced recovery company to see what was going on. They advised me that they were sent the bill back in XX/XX/XXXX. This company has not made any attempt at contacting me to let me know I had a bill in collections but they proceeded to place this delinquent bill on my credit report without my knowledge. When I spoke to the agent at ERC she told me they had a phone number on file that I have not had for 6 years and they have not made any attempt on mailing out any type of correspondence. I asked if this could be removed from my credit report and I will pay the balance but the agent told me no. I am extremely frustrated by the fact that Ive been working so hard the past last year to improve my credit report and this company can just ruin the progress that I have made without even letting me know I had a balance due in collections! I would have paid this if I would have known. The manager I spoke to was very condescending and patronizing, she told me to file a dispute and when I asked will they call me back with an update she said, Were not going to call you back but you can feel free to call us if you want. This is totally unacceptable. I need this balance removed as soon as possible.
I have requested to opt-out, fraud alert and a freeze place on at an account that was created in my name at LexisNexis, 3rd parting data furnisher. This was done to stop them from reporting things to the credit bureau that has caused me to suffer because my credit score wo n't allow me to function as a normal human being.
I contacted this company because after I did what was required per LexisNexis, they refused to stop reporting and so-call verifying information that they placed on my report. I was told by the CRS that they can report whatever they want to thru public recording reporting. This is contradictory as to what they require you to do as a consumer per their company to stop what they are doing.
This is so frustrating with this act of trickery to gain more information on you to report to credit bureaus who take their word as law.
My bank account was levied for an amount of money that I do not believe I owe, and I can not obtain a copy of the lawsuit or any proof as to why my account was levied.
Originally consolidated student loans in XXXX timeframe of 2016. All loans were transferred to fedloan servicing as requested. Received documentation that all was fine and all $ XXXX balance was consolidated and placed on an income driven repayment per request. In XXXX for some reason a portion of the loans were returned and sent to collections ; the total is roughly XXXX. We contacted fedloans and due to the original application being over 6 months old we had to resubmit a consolidation app for the loans to be reprocessed out of default. A few concerns : 1. Loans were originally consolidated and should n't have been reversed 2. Should n't be in default as the original consolidation rectified that 3. XXXX is n't reflecting currently in default but am receiving collections attempts from XXXX Ultimately want to have the original consolidation back in place to include all the federal loans. There was no reason for the loans to be removed an placed in default after the original consolidation. There seems to be a breakdown in communication between debt management solutions, XXXX and fedloans servicing. We have attempted to resolve this matter to no avail. They are now stating/attempting to garnish wages and there should n't be due to the original consolidation.
I was called by a collection agency about a debt that I had no knowledge of.  So this prompted me to pull my credit report.  I don't know if my identity was stolen because I don't know who could have done it however I have so many accounts on my report that don't belong to me!  I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway!  This treatment is illegal and I am currently looking for legal counsel.  This is a final attempt to get these items removed please help!  The accounts that are reporting that are not mine and that I have no knowledge of are listed below, 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 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 have no knowledge of these accounts!  I have tried desperately to correct this problem.  Please help!  No one should be treated this way!
One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, XXXX & Experian to date XXXX and Experian. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end.
During a mortgage re-fi, I was notified that there was two judgments against me that i did not know about, and was never notified of. " Asset Acceptance '' filed a judgment for {$8000.00} and then when I finally got a hold of the seventh person they sold the debt to, they said it 's really {$10000.00}
convergent outsourcing has illegally re aged alleged debt. A collection account is reporting as open on my credit report. Which is illegal and false information. I did n't enter into a contract with a debt collection agency. This false and deceptive practice had hurt my ability to obtain credit. They are reporting XXXX accounts from comenity bank and XXXX account from XXXX as opened by me. They also re aged the debt as if I recently opened these accounts once they were sent for collection. They claimed to have sent me verification of these accounts which is false. A collection account can not report as open that violates the FCRA and the dates and amounts are incorrect. I 've stated this for months and there was no proper investigation ever done. Also no resolve to my complaints. The only thing left for me to do is to seek punitive damages for what this has cost me. Since you wo n't investigate I have to make this a legal matter.
Illegal collection practicesharrassmentthreatsThe mortgage company contacted me demanding that I bring the account current. In XXXX of this year I missed a payment but I 'm doing the best I can to pay once a month since then. 

XXXX, from Greentree started to read me the disclosure about collecting from me when I informed her she had no legal right to collect from me as I a not on the Note. I am only on title. This should all be in the notes in the file as I 've been having issues with Greentree and illegal collection tactics since XXXX 2015. 

The loan was in my exhusband 's name only. I was deeded title to the property in the divorce. He filed bankruptcy after the divorce and discharged the debt. I reaffirmed with Greentree and have been making the payments since. 

When I got one payment behind in XXXX, I started receiving up to 8 calls a day from Greentree trying to collect. Even after I told them repeatedly that they have no legal right to collect from me because I '' M NOT ON THE NOTE. 

Today I got a call from XXXX from Greentree demanding that I bring the account current or they would start foreclosure proceedings. 

I explained for the millionth time the situation. 

She continued to harrass me after I told her she did not have my permission to contact me at this number. She placed me on hold and put XXXX on the line. 

Then he proceeded to harrass and threaten me as well telling me that if I didi n't make a payment and bring the account current it would go into default. 


The account is only 27 days past due as of today XXXX told XXXX I would make another payment in about a month and that the house is under contract and I 'm just waiting for it to close. He demanded I tell him when it would close. How XXXX do I know? So I told him I would get my crystal ball out and see if that would tell me. 

Then XXXX said that I was living in 'Greentree 's property ' that it did n't belong to me and that I needed to bring the account current. It 's only 27 days past due. 

I am sick and tired XXXX. I am doing the best I can to keep the payments up. 

They have tried numerous times to collect from me after I have told them not to. 

I 'm tired of being harrassed when I 've done everything I can to keep sending in monthly payments. 

Hopefully my house will close quickly so I do n't have to deal with these jerks anymore.
Transunion has failed to provide me with requested documentation verifying the accounts i disputed does indeed belong to me. It's gone way past the 30 day mark and still no changes to my account. They first recieved my letter on XX/XX/2018 and and respnded on XX/XX/2018. My second letter was received on XX/XX/2018. Both sent via certified mail. I just checked my report again on XX/XX/2018 and there's been no updates. I am aware of my rights under the FCRA stating for prompt deletion if and whenever information can not be PROPERLY verified and I now need assistance in resolving this manner sooner than later. Thank you.
USAA has repeatedly sent correspondence and called my estranged husband regarding my credit card account. They 've informed him that the account is delinquent, that they are going to charge it off, the amount of the debt, etc. my husband has never been listed on my account with USAA. He 's n ot even listed as a reference. I have never received any correspondence at his personal   XXXX   XXXX     where  they continue to send mail to. They have stopped sending it to me and send it to his   XXXX   XXXX   addressed to me. I fell behind in payments and have tried to work with them to defer payments and work on a payment plan and they have denied me. So I stopped paying them so they would be more willing to work with me.   I have never given them permission to speak to my husband and he has never made a payment on the account.