WillisBack/dataset-financial-user-claim huggingface dataset:
I leased a new vehicle on XX/XX/18 and the dealer I leased the new vehicle from bought out and paid off the old leased vehicle. XXXX XXXX received the total funds including an excess payment of over {$170.00} on XX/XX/18. XXXX XXXX   applied the payment on XX/XX/18. I have a security deposit in the amount of {$620.00} on file with XXXX XXXX and am being told that they are not going to return my security deposit for one reason or another. One reason I was given by XXXX XXXX for not receiving my security deposit is that I would have only gotten it back if I was to finance or lease through them again. However, that is not what my contract says and that is incorrect. Another reason a rep at XXXX XXXX  gave me that I wouldn't get my security deposit back is because they have to wait to get the car back and assess any damages and fees that they can charge me. However, the dealer that I turned the car into has purchased the vehicle and this concept does not apply. So therefore, XXXX XXXX will not be getting the car back, they have been paid in full for it and so this is also not correct. It's like I'm being given the run-around and being told one lie after another so that they can just keep my money. In addition to this, XXXX XXXX has taken the excess amount that they were overpaid and applied it to another month 's car not, and claiming I owe the balance so even at this current time, my account is stating past due. The account is NOT past due. XXXX XXXX has been paid in full for the car plus excess. And if they don't get this straightened out immediately, the next problem is going to be that they report to the credit bureau on my file that the account is past due when it is not, causing me further problems and a bigger headache, which is harder to correct after my score has taken a hit it should NOT take than if they just correct this mess now, before it gets to that point. The attached documents show the full payment amount of {$15000.00} of which {$170.00} was applied towards a next months payment ( after I don't have the car anymore, go figure ) and the balance of {$15000.00} that the dealer paid to XXXX XXXX  was the actual payoff amount of the vehicle. The bottom line is XXXX XXXX owes me the {$620.00} security deposit, the excess payment of over {$170.00} and to correct the account showing past due to current and PAID IN FULL.
I purchased a home two ( 2 ) years ago and there was an known existing land use agreement with a public utility that limit my use/building on XXXX of my land but my realtor, mortgage company or title search company concealed this information to avoid me not purchasing my home.
Highest Balance {$4100.00} Opened XX/XX/2017 ( 6 mos ) Account status Open Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX It has now been put to Phoenix Finacial Serv. 

I had went to the emergency room for a XXXX  on my XXXX, I had insurance, and had my card I put down my information thinking this was a urgent care, I had understood this was an urgent care after everything was said and done I was told my insurance would cover it and went on my way, now I'm looking at a XXXX $ bill I have no idea how I got no information was sent to me it just got out into collections.
Fay servicing held my mortgage for only 7 months then sold it another servicer and .still shows as an open acct on my credit report called them and they said they purged all info off their computers and have no info on me? 
XXXX is the exact representative assigned to my account her name is XXXX XXXX need thim to report account is transferred not with them anymore
I was dismayed once I looked at my XXXX, XXXX and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
I have a late payment XXXX and XX/XX/2017 .XXXX XXXX XXXX account # XXXX.The information is incorrect .Please delete the late payment information.
Step 1 : What is this complaint about? 
Tried to submit the payoff information from XXXX XXXX XXXX - Submitted information to the XXXX XXXX XXXX XXXX Step 2 : What type of problem are you having? 
Resolving the issue with all parties concerned. 

Step 3 : What happened? 
Unable to get resolution of how my information from XXXX got in the hands of XXXX XXXX XXXX. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquires are still there. The credit bureaus said invalid dispute or verified inquiry.
- called Ally Auto to have a deferred payment on XXXX XXXX. 
- called Ally Auto to pair the partial payment as requested for the deferred payment. Ally instructed me to make the payment over their internet application. Payment was made on XXXX XXXX online at approx XXXX per ally instructions. 
- ally informed me this would post in 2 business days and that the deferral would not effect any credit reporting agency. 
- ally reported me 30 days past due for the payment- I 've contacted Ally XXXX to request investigation and removal of 30 day late payment. However have been unable to resolve.
*** This is not a duplicate ***I have been a victim of Identity Theft and have provided a copy of the Federal Trade Commission Identity Theft report XXXX as well as a XXXX XXXX Police Report XXXX to Experian on XXXX XXXX, 2015. Experian did not remove the account from my credit report. 

On report XXXX, Experian did an allege investigation and responded with an automatic response that they verified that this account belongs to me. This is an identity theft case, what kind of verification could Experian have done? 
I 'm not asking Experian to do another allege investigation. I 'm asking them to remove this account XXXX XXXX XXXX from my credit file.
This company has very aggressive phones calls and after I submitted a letter to verify the debt they fail to do and this was clear on a previous complaints with the CFPB and now is a different company with the same tactics
about couple of months ago i received a call from about a credit card that i had i think was charge off and was sent to another company and it was reopened with balance of {$1900.00} the guy ask me did i have knowledge of it i said a little bit.the guy said they sent me letters pretaning to this but i do n't recall he said to keep a judgement from going against me or garnishing my wages he would take the balance down to {$1200.00} i was nervious so i agreed to make payment but what i quote him at first was to high for me i could n't afford it.so we agreed on {$50.00} bi - weekly .i Sign the document by computer and i also had to give them my account # to the back for debiting.I can send you a copy of the contract.when i look the company up by name i think just and address and phone # came up.please let me know if i did the right thing or if anything can be done at this point please help if you can
I have been looking at my report and I seen a few thing that are not right. 
First up my name is : XXXX XXXX XXXX. Please remove any other variation and spelling. 
My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, Oh XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am a victim of ID theft and I have not been it XXXX in over 6 years. I currently am a residence of XXXX Ohio
XX/XX/XXXX received a call from XXXX stating that I owed Capitol One {$1200.00} and change ;. This debt is past the statute of limitations. Person stated they would file a XXXX against me. I am XXXX so I file no taxes. Not certain how this would work. The company identified is XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX
All this happened today XX/XX/2018 : I replied to a XXXX  post to buy 2 tickets for this Sunday ( XX/XX/18 ) XXXX XXXX football game. 
I texted the phone number on the XXXX post ( XXXX ) and somebody " named '' XXXX XXXX agreed to received from me {$250.00} for 2 tickets. 

He provided me his name and email ( XXXX ) and using the app XXXX through my XXXX  XXXX XXXX account I transferred him the money to his account in XXXX XXXX. 

After I sent the money, the person never transferred me the tickets. Also he blocked my cell number since I tried to called him and text several times, without success. 
My wife using her cell phone, contacted the person ( XXXX ) randomly expressing her interest to buy some tickets. He intermediately replied trying to sell her also the tickets. He started asking for the money using the XXXX app ( same procedure he used with me ). 

I called my XXXX  XXXX and they told me that they can not cancel the transaction because was done using XXXX, but that they will open an investigation.
In XXXX XXXX 2016 my husband passed away on the XXXX of XXXX there was a bad storm and the home sustained damage to the roof. Chase took forever to get the roof repaired they lost the death certificate 3 times, they continued to ask for documents that I had already submitted causing delays to get the roof repaired and causing more damage to the home. Finally a check in the amount of {$7500.00} was sent to have the roof done. But the delays caused an additional {$35000.00} damage to the home. I did a forbearance to the loan per the advice of Chase Executive Office because the funeral and the damage from the natural disaster in our area. I have done everything Chase as asked they are causing the delays. The roof is finally done and now I finally have the contractor lined up to start work on XXXX XXXX, 2016 but I can not because Chase only sent {$5500.00} because they said the loan is in forbearance and they will only send 25 % of the money. Chase knows that my contractor needs {$14000.00} to start the job. I do n't even have 25 % of the money because the only way I was getting the roof was to have {$7500.00} sent to the roofing company and the difference I was told to have the roofing company send the difference of {$2600.00} but Chase wanted the difference sent to them and they will send it to me when they get it. I am doing everything possible to work with Chase but from the beginning they have only delayed and tried to prevent me from getting the funds to repair the home. They know my plan is to repair the home and get get caught up on the loan after my forbearance. The loan has never been late before and its not like I have n't already set up a payment arrangement to get it current after the forbearance. Chases executive office told me t the first installment of {$15000.00} then it changed at the last minute this has been the way things have been dealing with getting the repairs done. Because of the rain pouring into my home while Chase kept delaying losing the death certificates more damage was caused and the appliance were soaked and now not working. I am trying to repair my home I have been doing all I can since XXXX XXXX and now with the first installment for the repairs for the interior only being {$5500.00} I am not going to be able to hire a professional contractor and I do n't know how I am going to be able to repair the home. I have been emailing Chase for days now asking them what I need to do because I can not get it done with what they sent I am emailing the executive office. I am communicating with them telling them my dilemma with the installment only being {$5500.00} and I am getting no reply. Chase has all the paperwork signed by the contractor the intent to repair everything I just cant do it. None of this is fair to me I am doing everything possible and Chase is the cause of the additional damage they are the cause of the process having to start over they are the cause of the appliance not working and I am the XXXX suffering. I lost my husband I dont want to lose my home. Please any assistance would be appreciated
In middle of XXXX 2016 someone committed fraud on my account. XXXX says that my card was XXXX swiped in XXXX for {$330.00}. I went through thr dispute process and was granted the money back. When the fraud occured, my address was to my XXXX in california. I had just moved to XXXX, or. I was told that i can not update my address until 30 days after fraud. I tried to forward mail from my XXXX, but the replacement card that they were sending can not be forwarded. So i called over and over again to customer service to find out how to get my address updated and my card sent to new address. They gave me a fax number to fax paperwork to, I have had U S Bank branch managers send the info into the fax line amd received several confirmations that the fax was sent on multiple days, times and from different bank locations over the last 3 weeks. After 3 weeks of customer service telling me that they did not receive anything I demanded that they give me an alternate way of sending paperwork because their fax obviously does not work. They now gave me an email. I had the branch managers at the king city location send my paperwork multiple times and cardholder services still claims to have not gotten my paperwork. I have had different supervisors trying to find my information and nobody can. Supposedly the fax line is operational, and supposedly the email address is as well. If XXXX of these were operational, i should have receibed my new card by mail at least two weeks ago. Now i can not buy food for my pregnant wife, i can not buy prenatals for my XXXX wife, and i can not pay rent to keep a roof over the heads of my wife, XXXX month old son, and my new child on the way. I want my card, my money, and i want to be compensated for my losses and damages and pain and suffering.
AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/2016 XXXX, IL XXXX PHONE : XXXX FAX : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. 

I notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia.
I have had Equifax subscription for almost XXXX years. Earlier in XX/XX/2018 I made an attempt to log in and could not. I called the following morning and was informed to call to call back in two hours. I fell asleep and did not call back. During the week of XX/XX/2018 I made another call but could not be directed to a live person. On XX/XX/2018 I made another attempt and was told they were conducting maintenance and call back in two hours. It was that day that I subscribed to XXXX XXXX. On XX/XX/2018 in the afternoon I called once and was told maintenance was being done and to call back in two hours. On the morning ofXX/XX/XXXX I made another call was told they were conducting maintenance and to call back in 24 hours, In anger I hung up the phone. I called CFPB to file a complaint and was directed to file as I am in this message. This is peculiar activity, I am trying to cancel my subscription.
On four different occasions I have asked Employees of Tower Loans not to contact me at work. I am a XXXX XXXX so obviously I can't receive personal or business calls at my place of employment due to the nature of my business. However, they continue to call my workplace even after being asked not to. 

They have also continued to call and harass my friends, coworkers and associates after being asked not to.
I signed up for a Chase Student Credit Card when I was a College Student in XX/XX/XXXX. I used the card until it expired, then called Chase and told them that I did not want to keep the card anymore, and requested that they close my Account. Because this all occurred several years ago ( approx. XX/XX/XXXX ), I do n't have exact dates. 

A few weeks ago, Out of the blue, Chase sent me a new Chase Freedom Credit Card in the mail, using the details from the account I had asked to have closed several years prior. I called again and told them that I had not requested this card, and wished to have the account closed. I was assured that it would be closed. 

Since then, Chase has sent several emails to my personal email account with details about the account that I had requested to be closed and shut down. 

I highly prize my privacy and financial security. I am very concerned that Chase has disregarded my multiple requests to close this account. 

I am requesting that Chase close this account, and that they immediately stop contacting via email with details about this account.
Pnc bank switched the order of transactions on my checking acct on XX/XX/XXXX causing a pending charge of {$8.00} ( XXXX ) to pull from available funds before a charge of {$9.00} ( XXXX ) that was run a week prior and cleared the account. This deceptive and predatory practice resulted in me being charged an overdraft fee on the {$9.00}. Also I made a deposit on XX/XX/XXXX of {$120.00} to cover a further negative balance in the account. I was charge an additional overdraft fee after I made the deposit.
Step 1 : What is this complaint about? 

This complaint is in regards to the XXXX data breach, but specifically with the way that credit freezes are being handled. 

Step 2 : What type of problem are you having? 

Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is. 

Step 3 : What happened? 

All but XXXX are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation. 

Step 4 : What company is this complaint about? 

All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this data breach.
This has been going on far too long. XXXX XXXX has been harassing me and hiring different third parties to collect from me. A bill was deleted from my credit report of {$260.00} through a third party they hired XXXX due to it not being mine and i have spoken with over XXXX reps directly through XXXX XXXX and all sources of management. They will try to force an amount on you without hearing anything you have to say and make up illegal type threats and force this account on me. I have told them several times stop contacting me and they still find other parties to call me about this. It is frustrating i have to provide every single third party with the same exact information i gave to get this cleared up the first time.
Obtained loan from Prestige Finance Services Inc. When payment was coming due, they would begin calling me, texting me, and emailing me daily until payment was made. Had auto repossed. Daily calls, texts, and emails continued all throughout the day after I asked numerous times for them to STOP.
I bought a Truck in XXXX and my score was XXXX and had been that for about a year. On XXXX XXXX my score went down XXXX points and on XXXX XXXX it went down another XXXX points and no one can explain why or have a good reason for the XXXX point drop. The service reps keep trying to sell me the monitoring program and it would not have helped at all. Why did my score drop so drasticly.
Hi my name is XXXX XXXXI am a resident of Wa. For College I took out a loan from formerly known as XXXX XXXXnow currently named Navient. I have been dealing with the changes in the company and with my jobs and sense the beginning have had extensive problems with their methods. The Last straw has been terrorizing calls. They have not only called my Grandparents house, but they have somehow gotten and called the phone number to my neighbor! I do n't even have their number yet Navient ( XXXX ) has even called a work colleague of my father! That isnt right. They tried to force information and coercive both people who are not even on the contract or even associated into compiling with their shark attack. At this point they have gone into attack of my rights, and attack on my family and community. That is unbelievable and unacceptable and that is why I am here so that I can make sure this terrorizing of me and other Americans in debit can end.
I previously learned of this debt after obtaining my credit report. I have had medical assistance for the last 10 years or so. I also have never visited  XXXX   XXXX  which is listed as the orginal creditor regarding this debt. I sent this company a letter asking them to provide me with the documenation they have that makes them believe this debt belongs to me. Th e 1st letter was ignored so I was advised to sent a 2nd letter certified ( please see attachment ) that letter un fortunately was ignored as well.
On XXXX-18 my lease with XXXX XXXX was closed as a result of XXXX doing a buy back on my car because of mechanical issues. The account was paid off by XXXX when the car was returned. I have all documentation showing that the lease was paid off. I am still receiving statements from XXXX showing I have a {$0.00} payment and 0 payments left on my account. I called XXXX approximately 1 month ago and they confirmed the account should be closed and I do not owe anything. However, XXXX reported that I am delinquent by 3 months on payments for an account that no longer exist. I filled a dispute with XXXX and have not recieved a response. I also contacted Experian who would not reveres the delinquent payment status even though I had all documentation showing the account was paid off in XX/XX/XXXX. I have never missed a payment on any type of credit. I have all documentation if needed.