WillisBack/dataset-financial-user-claim huggingface dataset:
I leased a vehicle from a XXXX car dealer on XXXX/XXXX/XXXX. As part of the transaction I returned a XXXX XXXX leased vehicle early. Original lease maturity was XXXX/XXXX/XXXX. As part of the transaction I paid {$2000.00} down and approximately {$2500.00} upon delivery of the new vehicle. Never once did the dealer inform me of any additional charges connected with the transaction. On XXXX/XXXX/XXXX I receive a letter ( see attached ) from Kia Finance demanding {$660.00} additional to satisfy the lease. I called the car dealer and they informed me that they submitted approximately {$1100.00} to Kia Finance. I called Kia Finance to no avail. This appears to be a violation of the Dodd Frank XXXX provision.
On XXXX XXXX, 2015 I should have received my direct deposit from my employer to my Rushcard account and I did not receive it. I tried to access my account through my mobile app and I got locked out. I called the customer service and every call I got two different types of responses. One response is that I have an available balance but it was from XXXX XXXX, 2015 not the previous pay period on XXXX XXXX, 2015. The second response is that they 're sorry but they ca n't access my account and I 'll be directed to an customer service representative and the phone would hang up on me. I also noticed it is XXXX different female voice operators. Numerous times the phone hung up on me and I only spoke to XXXX representative XXXX separate times and when they told me the issue and said they were going to resolve my account issue they had me on hold for over and hour and when I would call back the phone hangs up before it can even ring or the holding music plays. I called again on XXXX XXXX, 2015 and spoke with a representative on how can I have them send the deposit back to my employer and I got put on hold for almost over XXXX minutes. I see I 'm still apart of the ones whose account issues did not get resolved and it 's holding me up from paying rent, bills, food, gas and other necessities. Mind you it has been over two weeks now and I still have n't got an email, text or anything in the mail about the issue or contacted about how they apologize for the action and how they were going to resolve the issue. Very unprofessional and I feel like I 'm being scammed and I want everything owed back to me and I want to close my account with Rushcard and I do not want them to have any of my information no longer nor conduct any business with them because this is ridiculous.
My student loans were consolidated by XXXX in XX/XX/1997. I have been paying on my student loans for XXXX yrs, yet the principal I owe has almost doubled. I started out on their graduated payment plan. Because the amount of my payment did n't cover any interest, any interest that accrued, they kept applying to the principal. I am now on an income based repayment plan. It 's the same thing. I 'm making the payments, but because they do n't cover the interest, they apply the accrued interest to the principal balance. How is this ok?? Now I 'm paying interest on the interest on the interest, etc ... This is such a scam. It needs to stop! They make paying off your student loan impossible.
Please see the attachment. It is as clear as day how Equifax is not verifying any information when checking on disputes. The quick story is that I am a victim of ID theft. I had XXXX items blocked on my credit report in XX/XX/XXXX and XX/XX/XXXX. Last month Equifax added these items back on. I immediately sent them the police report and ID theft report and even updated it. They ignored it and said they will NOT block them even with all the proper paperwork. This is just part XXXX. They then said they investigated each XXXX and verified they belonged to me. They then put Collection Account and Skip on each XXXX of them. So, instead of blocking them at my request and pursuant to the FCRA consumer rights which is MY right as a victim of ID theft, they did not, they claimed to follow up, then put them in notes as collection and skip ( which means I ran from these accounts and they cant find me ). This is as untrue as can be, they all know where I live including Equifax. BUT to really prove how the violated my rights, they also put collection and skip on a VALID account that is mine, that I used daily, that is in good standing. PLEASE see attached. They lied, they added Collection and Skip on all my accounts I asked to Block then EVEN DID ON VALID ACCOUNTS. Not only that, they show all of the collection and skip accounts as being paid on time. HOW? Just look at the attached. I can file a major lawsuit against them. They have accounts on time in collection and skip. They have a valid account listed as collection and skip. ALL of these accounts are showing as being paid on time. Every consumer right I have under FCRA is being violated. I simply had a total of XXXX items that I blocked and now it is XXXX items due to them adding stuff, lying and making up items on my report. Just look at the attachment it explains it all. It is as easy as pie to see how they are purposely trying to destroy me because I keep mailing them letters DAILY. They are upset at this and trying to hurt me and my credit. My credit is a XXXX but Equifax is trying to destroy it. They are evil people. They need to be held accountable, my attachment will show this all to you. I tried to put this all in XXXX document for you. I have amble proof, a police report, an id theft report but I do n't even need those, this shows clearly how every account is wrong.
I am on the list of potential identity theft victims in the latest Equifax hack. I became aware of this through social media, and was not contacted by Equifax directly. They became aware of the incident on XXXX XXXX, and I just became aware on XXXX XXXX. There is absolutely no reason we should not have been made aware of this considerably sooner, as now I ( and many others ) have to go back and make sure that my account information has not been compromised and no illegitimate accounts have been opened in my name.
Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, date XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Wells Fargo Bank checking acct XXXX & XXXX. These accounts are reported to be open on XXXX/XXXX/2013 and closed on XXXX/XXXX/2013. closed for Caused-Purged which is showing negative on my XXXX account. These accounts where never funded by me I never recived any checks are bank cards these accounts was opened and at one time I was on XXXX so they closed the accounts. But this bank should not be reporting anything negative regarding these two accounts because I never used these accounts. These need to be removed off my file
I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXXXXXXlimit card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX
Due to your insisting that a verification was made, I further researched this matter with my attorney. It comes to be that you lied on the last response. All you did was turn to a data furnishing company such as  XXXX   XXXX  or  XXXX , reading information off of a website and held that information to be verified and true. Since you said that you have verified the information, it should be easy to produce a few facts so I can personally go down to the courthouse and verify YOUR process wit h the county clerk. Please provide me with the following information : 1. The date and time you made the call 2. The name of the person you    spoke to 3. Verifi cation documentation referencing the call and the outcome.   Should you not provide me with this information within 15 days, my attorney and I are ready, willing and able to file a lawsuit against your company. I am going to publish the response you gave, that you have verified the information, to a public website whereby anyone reading it will file a suit against your company as well. I am also filing a complaint with the attorney general to prove my case.   What interests me the most is the fact that on the attached credit report, in the space where it says " court '' you left it blank. Which means you are providing false information. Remove this bankruptcy immediately to avoid embarrassment and monetary loss.
I had XXXX credit cards with Capital One at an introductory rate of 12.99 %. I have had them for several years but I recently paid them off and kept receiving bills for interest charges at a rate of 25.93 %. They would not reduce my rate below 20 % and said they could not lower it below the introductory rate. When they checked the introductory rate they told me it was 22 % which can not be true as I do n't use credit cards that often and certainly am not going to pay that kind of interest. I believe Capital One is being unfair in their interest rate practices. I paid these cards in a timely manner and always paid more than the minimum due? Changing interest rates at random should not be allowed. They do n't put a note on your bill telling you your interest rate has changed. They just change it. With the prime rate being low these credit card companies should not be allowed to charge this kind of interest. I have paid and cancelled these cards. They will no longer be able to rake me over the coals with their high interest rates.
On XX/XX/2018 I noticed a garnishment on my paycheck in the amount of {$500.00}. My employers payroll department said that a collection agency had placed a garnishment on me for a total amount of {$2900.00}. After work that same day I went to the agency to find out what this was about. After looking my name up they could not find any garnishments so they looked up my social security number and it turns out they had placed my SSN. After determining that I was being wrongfully garnished they gave me a release of garnish paper and said that they would refund the money they took from me and that they would contact my employer to stop the garnishment immediately. On XX/XX/2018 I checked my next paycheck and noticed that the garnishment was not removed and they had taken another {$370.00} from my paycheck. This makes a total amount wrongfully taken from of {$880.00} so I called my payroll department and they informed that they had not received anything at all from Professional Finance Company stating to release the garnishment. At that moment I asked if I could email them release of garnish letter that I received two weeks ago. After work I went to talk to PFC to see why they had not notified my employer to stop the garnish. The so called agent behind the counter named XXXX said that they had talked to my employer earlier today. I asked for an explanation why they had not notified my employer to stop the garnish and all that person said was he did not know. When I asked if there is someone who could actually answer my questions he said " no there's no one. '' Then I asked to talked to someone above him, he brought out a lady that was also no help at all. She tried telling they had sent the notice by mail. I asked for when it had been sent and she could not or would not give me an answer. At this point that lady noticed I was recording them and had that XXXX guy tell me I could not record them. Then I mentioned that it is my constitutional right to record anywhere in public. After I said that lady walked way and the guy kept saying they don't consent to being recorded then refused to talk to me and walked way as well. This XXXX guy is in my opinion useless and incompetent and should be fired.
I signed up for a program with Synchrony Bank. Phone number XXXX. 
The program gave me six months with zero interest. The amount I borrowed was {$990.00}. 
I went to pay my bill today, and the bill I was presented with was {$1000.00}. 
Today is XXXX. The loan was taken on XXXX. This means their salesmen are sorely untrained and not properly educated as to their sales practices, or it is highway robbery committed against my person. This can not stand. They can not steal from their customers like this. Refund my unjust interest!
On XXXX XXXX began emailing person about her moving in with me XXXX and originally gave me a SD address. We emailed daily and I trusted this person due to the emails we exchanged. She told me she was a yoga instructor and had been accepted to go to a yoga seminar in XXXX XXXX, XXXX. I looked this up online and there was a XXXX XXXX XXXX there until XXXX XXXX. We emailed daily while she was in XXXX and said she did not get international calling on her new phone. She was to send me a check to cover the 1st months rent and enough to pay movers since she was flying into XXXX when the seminar was over. I received the check and deposited it in my savings at BOA on the XXXX of XXXX.at the bank with a teller. I told her I wanted to make sure it was a good check. It showed pending until XXXX of XXXX.then turned to a credit. She emailed around XXXX and asked me to take {$600.00} rent out ad send her the rest XXXX to XXXX since she would have to get new movers and pay them herself. I transferred {$2300.00} from my savings to checking and went to XXXX to send the money to XXXX. My debit card accepted the transaction and the money was sent. Later that evening I was emailed by my bank I had a negative in my savings due to the check being fraudulant. BOA told me there was nothing they could do and it left my account in a negative as well as taking {$740.00} I already had in my savings.
XXXX says that I am on a income based repayment plan which in my case I have no income which makes my payments $ XXXX.The problem is that they are reporting to the XXXX credit bureaus that I am behind and also add XXXX of dollars in interest on my amount which lowers my credit score drastically.They told me that they report that my loans are on time and that It would help improve my credit but it 's XXXX the total opposite.
I have recently disputed the following account with the credit bureau ( XXXX ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.
I have been making student loan payments for months until I become unemployed. Even while I was employed, I asked to lower my payment of {$1000.00} a month and I was denied. 
I felt lied to because while I was applying for the student loan, they said there are income based payment options. No one worked with me about that. 
So I continued to make $ XXXX payments until become unemployed on XXXX/XXXX/XXXX. 
I initiated the call and explained them that I lost my job and asked for some time until I find a job and continue making my payments. 
Every time I told them I am unemployed and have no money to pay them, they kept calling weekly. Constantly harassing and threatening. Some weeks they called more than once the same week even I spoken to an agent 2 days prior. 
Called me non-stop, kept calling and bothering my mother which she got very frustrated because she could n't understand exactly what they were saying due to English being her second language. 
All I wanted from them is to stop harassing me and give me time until I find a job. 
Instead, they kept threatening me with default and possible legal action. 
I am on the verge of XXXX, and I need a way out and/or some one who can help me make arrangements with them. 
My credit score went from being very good to very bad in a matter of couple of months. 
Thank you
I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my Experian, XXXX and XXXX XXXX credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.
I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency ( Transworld Systems Inc. ) contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.
I have a loan that I cosigned for my younger brother. He was having payments taken out automatically on the XX/XX/XXXX of the month, and Navient stopped taking them out without warning in XX/XX/2018. When we were told he was behind on payments, my brother called in XX/XX/XXXX to have payments started again, which was supposed to occur on XX/XX/XXXX. Meanwhile, Navient reported ME to credit agencies, dropping my credit score from XXXX to XXXX when it was their mistake. It is the XX/XX/XXXX, and payment has not been processed for my brother 's loan at this time.
First Bank placed an insurance policy on my property, even though I already had another policy covering the same risks and limits. This same bank made payments on both policies and is refusing to cancel theirs.
I financed a car through XXXX XXXX in XX/XX/XXXX. After missing two payments, my car was illegally repossessed by the company. I never received a delinquency letter, or a right to cure prior to the repossession. After the car was taken, I contacted the company and was told that I had to make up the delinquency immediately to regain possession of the vehicle. I was not allowed t to retrieve my personal items from the vehicle, nor was I given anything in writing, detailing the amount I owed. I received a letter a few months later stating the car had been sold at auction. I was never informed of any remaining debt owed on the loan. There were never any attempts of collection. I contacted the company twice asking for validation of debt but no calls were ever returned. 
In XX/XX/XXXX, I received a XXXX from the company, demanding that I declare the uncollected debt from sale of repossession, on my tax return. I have never received any information stating that I owe this debt. XXXX XXXX has had 5 years, under South Carolina 's Statute of Limitations, to pursue this debt, either through the court systems, or by legal means of debt collections. I have never been given the opportunity to validate the original debt, nor have I been given the opportunity to settle the debt under FDCPA laws. It 's not fair that I should have to add " income '' that has never been validated, to my taxes.
Former XXXX XXXX Customer, Fired them in XXXX 2014. I returned all equipment in their provided box and paid all bills. I had no contract with them. About 9 months ago collections agencies started putting {$160.00} on my credit bureaus as unpaid. I have opened a complaint with my State Attorney Generals office as well. I owe XXXX Nothing all accounts are paid in full. They have now switched to the XXXX debt collector Allied to ding my credit with which I will fight but they just continue their fraudulent practices.
I checked my  XXXX  Credit report and I seen this company pop up as a open  account RMB INC with Huntsville Hospital it states that I owe money and it made my credit score drop it was reported not just once but 3 times on my credit report with only  XXXX  of them stat ed that it was included in Bankruptcy but the other  XXXX  was not reported in bankruptcy. I attempted to contact the company  two  times with no results I even left messages on Friday  XXXX  the  XXXX    XXXX   at  XXXX  in the morning they transferred me to the manager no answer and I left a message for him to contact me. I waited nothing I called back on Saturday  XXXX   XXXX  left a message no reply. I contacted my lawyer and legal charges will be filed if they do n't removed this off my credit report
XX/XX/17 ( {$860.00} ) Acct # XXXX, Acct # XXXX ( {$77.00} ), Acct # XXXX ( {$56.00} ) HIPPA Violation ; Medical Commercial Audit/ MCA did not provide me with the provider of services to release any of my medical information ( tests, diagnosis ext ) regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blantant JIPPA violation and a violation of my consumer rights according to the Fair Debt Collection Practices ACT ( FDCPA ). these entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX
InXX/XX/XXXX, 2 letters were delivered to XXXX XXXX and Equifax stating that an old inquiry still hasnt been removed from my Equifax Credit Report. XXXX XXXX completed a credit report inquiry in XX/XX/XXXX. Equifax should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.
XXXX XXXX XXXX  Account number XXXX- Is reporting an erroneous collection on my credit report .... I have resolved it with the original creditor XXXX a few months ago. I called XXXX XXXX to ask them to remove this collection since it is null and not accurate, the bureaus could not validate this account kept asking for my social and rude lady screamed at me threatening to send a cop and arrest me. Now they are calling my work, my parents house event my aunt 's house who has a heavy XXXX accept collector called her names and accused her of disspeacable things threatened to arrest me if she didn't give her my social number and a credit card to pay this balance.. isnt ' this illegal ... I sent them letters of dispute which came back undeliverable from the address that is on the credit report. please help and stop this horrible collection company from being in the business in first place
XXXX XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax, and XXXX. Please remove the 30 day late payments from my credit reports.