WillisBack/dataset-financial-user-claim huggingface dataset:
Puchased vehicle from Car-Rite, Britefinancial XXXX sold a warranty that they will not honor as conveniently the item to repair isn't listed in the contract. Car-Rite is legally responsible to repair the vehicle. XXXX XXXX report they showed me and the actual XXXX XXXX report totally different when I signed lease for vehicle. The repair on the vehicle is a know problem with XXXX. XXXX XXXX basically got rid of cars they couldn't sell through this subprime dealership and sold warranties. In addition to not paying for repairs the vehicle has stalled more than once on the expressway. When call to cancel the warranty will only refund 40 % of the price paid due to miles on the vehicle. Because the dealership has been closed since XXXX of 2017, only 4 months after signing the lease on the vehicle it has been difficult to even get a different dealership to diagnose the problem, {$130.00}. I have had to pay out of pocket to diagnose my vehicle and will have to find other means of getting to work as the car isn't reliable. The cost estimate for repairs is {$600.00}. It is an outrage that companies can get away with sabotaging someone and their credit when they are paying for safeguards so extra expenses don't happen.
Unfortunately I do not have any dates, I do know they have called me more than the allotted 3 times per day. The last time I called the company to make a payment they refused the payment and threatened that my file was now being sent to an attorneys office if I did not pay the amount in full that day. I was on a payment installment plan with them when I fell ill and had to stop payments for a couple months. The refused to work with me after I was back at work, called more than the allotted times and now are placing attorney fees on me as well.
I HAVE REQUESTED AND APPEALED TO MY MORTGAGE LENDER ( BANK OF AMERICA ) TO PLEASE CORRECT THEIR MISTAKE ABOUT EVALUATING MY LOAN MODIFICATION APPLICATION BUT THEY HAVE FAILED TO ADDRESS THIS ISSUE REPEATEDLY!! 
The lender approved my trial loan modification but then they refused to turn this offer into a permanent plan!!!! They claim that they can not verify my tax returns from 6 years ago!!!!!, i.e. XXXX and XXXX. This is an absolute false claim from B of A because I have presented all the tax returns for every single year that they requested, including XXXX & XXXX. 
I even gave them official transcripts DIRECTLY from IRS, confirming that I DID file taxes for all the years disputed by B of A. 

So I have all kinds of proofs that my tax filing history is correct and accurate. But the lender keeps repeating a false claim and a baseless assumption with no proofs whatsoever!!!! 
They keep repeating their wrong information regarding events of 6 years ago!!!! 
This behavior is both unreasonable and very unfair. I have solid proofs of my tax filings which I have repeatedly presented to them. Yet they keep repeating the same false assumptions!!!
my loan modification was declined because there is a discrepancy on my documents but they are not giving me an exact reason i have called wells fargo many time and they are not giving me an answer please help
This will be the 2nd time I am submitting a complaint about the same account. The company requested that I send them a copy of my identity theft report. I did just that and they are still trying to collect the amount due of {$130.00}. I told them in order to validate this debt, send me PROOF it is mine. Instead, they send me a statement of the charges. The statement of charges, just like the amount of {$130.00} they claim I owe, does not prove it is mine. 

I told them repeatedly, this is result of identity theft and someone is pretending to be me to open this account. I have no contract agreement signed with my signature therefore I did not authorize.
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. On XXXX XXXX, XXXX creditor 's attorney responded claiming they had sent verification, and consumer responded on XXXX XXXX, XXXX stating that they had not received verifying documentation. It has now been over two months, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,
Commonwealth financial has changed a collection account number so they can reinsert this to the credit bureaus. XXXX account number was XXXX now it is XXXX, this to me is in violation of the law. They can not prove I owe this debt, please look at complaint case number XXXX, there is no debt validation, and they know this that is why they changed the account number. I will be filing a complaint with the Illinois attorney generals office and seeking legal help to file a class action law suit. I will start a social media page to see if any other cousumers are being treated in this matter. To this day I have not received debt validation.
Macy 's never sent me my bill for a new account, and is trying to charge me months of late fees now and will not cooperate, claiming that I must have received the bills which I did not. 

I would like to have the account, but I am not paying {$100.00} in late fees because they chose to wait 3 months to send me the first statement.
Ordered items from XXXX XXXX never received the items XXXX XXXX agreed to remove from credit reports was removed from XXXX  and XXXX XXXX but XXXX never removed it from credit report
There is an account for XXXX XXXX XXXX on my account. On XX/XX/XXXX I contacted them at XXXX to request they send me all documentation in regards to the loan so I could take them to court to try and get this item removed from my credit report. They told me unless I had a police report number they were under no obligation to send me the documents and they would need a list a specific documents to send ... that m, e requesting the entire file without an attorney was to general and they were under no obligation to do so. I asked was the line being recorded and the gentleman and he them accused me of recording the conversation and I said NO you record this conversation. EVERY CONVERSATION IVE EVER HAD WITH THEM HAS BEEN RECORDED, and time and time again I have told them I was NOT the individual who took out the loan. because THEY insisted I get a police report in order to obtain the original loan agreement ... I did. It is XXXX and was filed in XXXX XXXX, MI XXXX  County. I then called XXXX and they informed me they are already removing it from my report and I am praying that the other 3 agencies follow suit. 

XXXX XXXX XXXX : You have been out of communication for an extended period. We have tried to call you on numerous occasions. Please contact XXXX XXXX XXXX today before XXXX XXXX Central Time. Assistance may be available to remedy you situation. Contact me directly at XXXX XXXX ext XXXX Thank You , XXXX XXXX | Deficiency Representative | XXXX XXXX XXXX XXXX ( Phone : XXXX XXXX ext XXXX| XXXX Fax : XXXX *Email : XXXX cid : XXXX The information in this email is confidential and may be legally privileged. It is intended solely for the addressee. Access to this email by anyone else is unauthorized. If you are not the intended recipient, any disclosure, copying, distribution or any action taken or omitted to be taken in reliance on it, is prohibited and may be unlawful. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. 

XXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX to XXXX I've told you and your representatives several times I am not the individual who purchased this car. My information was stolen by XXXX XXXX XXXX XXXX XXXX with the help of his friend XXXX who has worked at several dealerships in XXXX XXXX, MI. Never once did I step into that dealership amd pirchase a vehicle from them. The photos of my license are clearly that and not copies and the signature and the contract is not mine either. When the car was recovered it was in his possession as it had always been. I will not agree to pay anything due on this vehicle because I am not the individual who signed the purchase agreement on the car. 

Sincerely, XXXX XXXX This was my last communication with them in XX/XX/XXXX. I was told on that same recorded line they were going to take me to court and I asked them to so we could resolve the matter back when it began.
There is a motion on XXXX/XXXX/XX/XX/XXXX @ XXXX XXXX county courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. XXXX XXXX XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans in XX/XX/XXXX. 
1. Got out of non-jury trial XXXX XXXX, XX/XX/XXXX which I knew before walking into Judge chambers I was going to lose. To get an idea of what typically occurs @ these non-jury trials just imagine a handcuffed monkey trying to beat a Lion in a caged fight. 
2. Five Year Statute of Limitations ( SOL ) Expired XXXX XX/XX/XXXX 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Forged and Notarized Original Mortgage signatures, Plaintiff lacks legal standing ( mortgage sold off originally by XXXX XXXX Bank to a trust ), robo signing. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX I have ever witnessed, it is sad and unacceptable how all their lies, fabrication were allowed into evidence while our strongest evidence by defendants Forensic Expert/Witness testifying original note is 100 % forgery denied her testifying at trial, XXXX due process. 
XXXX law firm does all plaintiffs dirty work. 
4. Force placed homeowner insurance obtained at illegal price gouging rates XXXX, XXXX times normal amount.
THIS COMPANY LVNV FUNDING # XXXX IS TRYING TO COLLECT A DEBT FOR XXXX THEY DOUBLED THE DEBT. I HAD CREDIT CARD PROTECTION WITH XXXX. 
I ASKED THEM FOR THE PROOF I OWE THE DEBT THEY REFUSE TO PROVIDE PROOF AND STATED THE CASE WAS CLOSED. I DISPUTED WITH XXXX AND XXXX. UNFORTUNATELY XXXX WAS THE ONLY XXXX THAT DID A THOROUGH INVESTIGATION AND REMOVED LVNV FUNDING FROM MY REPORT. A FRAUDULENT SC. BUSINESS WITH MANY XXXX BARRED FROM DOING BUSINESS IN THE STATE OF MD.
I've just reached out to Great Lakes, the loan provider, so maybe i'm jumping the gun. 

In 2018 I made every payment on time and in the same amount and the balance dropped incrementally from about {$81000.00} to {$72000.00} at end of year. My interest rate is 6.8 % on every loan that is bundled together in this payment. 

Meanwhile, my XXXX from Great Lakes shows {$8500.00} in interest paid in 2018. I'm not great at math, but this would imply an actual interest rate between 11 % and 12 % for the balance I carried. 

Is there any world in which this would make sense? My concern is that I was overcharged in 2018 and likely in past years as well.
Comenity Bank holds back payments for as much as 9 days before processing them. I had XXXX cards with them and the payments were always scheduled to go through on a specific date but they payment does not process until a week later. They claim its with my bank XXXX, but I also have XXXX XXXX cards and have never bounced a single payment with them. Comenity Bank has resulted in multiple bounce fees for the last year now.
I have a Capital One Credit Card with a limit of {$300.00}. After I lost my job in 2009 it became seriously delinquent. I continued to pay when I could and on a couple of occasions, they made an offer that if I paid the over-limit, they would consider the card current. At some point in time, and continuing after the balance was under the credit limit, they restricted the account. I called and was told that even when the account was paid off, they would not lift the restriction. I made the final payment on XXXX and on XXXX they charged a {$3.00} monthly fee with a XXXX minimum interest. I called and was again told that they would not lift the restriction and that I could keep paying the fee, or close the card. I told them that I felt like I was being blackmailed ( extorted would have been a better word ) because if I close the card it will have a negative impact on my credit rating but I am not willing to pay a " membership '' fee, and interest on said fee, if there was no value in it for me, such as a {$300.00} credit limit. Further, I was recently approved for a secured card with Capital One so I made the suggestion that they secure this one and keep it open. They " looked into it '' while I remained on hold and came back and told me there was nothing they could do about it. It sounds like it would have to be illegal for them to charge a fee and not provide a service, i.e. a credit line. They said they would not close the account but I was not allowed to use it. I find this absurd. My XXXX choices, after a long period of trying to recover my credit score, are a ) close the account myself and jeopardize my credit, or b ) pay {$3.00} per month for NOTHING!!!!! Please help. Also, under the " Have you lost money '' section below, I will either lose the ridiculous non-membership ( extortion ) fee each month, or lose A LOT of money by paying higher interest on the car I will be buying in about 6 months.
TransUnion denied me a free credit report because I received on in the past 12. This is not accurate. The last report I got was XXXX XXXX 2016. I got my credit report no problem from the other 2 agencies.
I had fraudulent charges made against a XXXX credit card I had years ago. The debt first showed up in XX/XX/XXXX or XX/XX/XXXX. I signed an affidavit with citicard disputing the charges in XX/XX/XXXX-XX/XX/XXXX. The debt was gone. Two years ago it shows back up and this Midland Funding LLC out of XXXX XXXX California starts trying to collect. I have disputed this several times with the various credit bureaus and they even acknowledge on XXXX that it was wrong on their part. Now they are threatening to sue me and sending me papers from alleged law offices here in Michigan. Today I got a letter from a bankruptcy attorney saying he wanted to help me because he sees i 've had papers sent against me in the local district court. This debt is not mine and Midland is not the original debt collector, which went away after I signed the affidavit stating the charges were fraudulent. Midland Funding LLC fraudulently bought this fake debt from some other abusive debt collector. This is all wrong and I am the victim of abusive and immoral debt collection agencies seeking no more than to profit off of innocent people.
I have several accounts listed on my credit report that were disputed. The credit reporting agency in return stated the accounts were verified. I know for a fact none of these accounts belong to me. I have spoken to each of the companies and they can not find anything with my personal information. When I talk to the credit reporting agency they refer me back to the company. No one is taking accountability to have these inaccuracies removed from my report. 

XXXX XXXX {$180.00} XXXX XXXX $ XXXX XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$540.00} XXXX XXXX {$420.00}
My credit score dropped XXXX points ... AGAIN due to an inaccurate reporting on this agency 's behalf. I have also, yet again, not experienced the same issue with either of the XXXX other reporting agencies ( my account balance is correct on each on, reflected a closed account with a {$0.00} balance. ) I recently refinanced my auto loan with XXXX, and they added the new account to my report which is fine. What was not okay, is that TransUnion reported the new information, but is still reporting that I owe the total of my previous loan payment with XXXX XXXX XXXX XXXX. This error, again, has drastically dropped my score due to the agency not reporting my balance as closed with {$0.00} balance as opposed to closed with a XXXX balance.
XXXX XXXX sent me a letter on XXXX XXXX, XXXX indicating that the XXXX reporting agencies would correct the delinquency errors on credit reports. An automatic stay had been issued on XXXX/XXXX/XXXX and XXXX mistakenly placed a delinquency on my report on XXXX. XXXX and XXXX corrected the error, but Transunion continues to list the loan as an adverse account. I disputed the account and uploaded a copy of XXXX letter ( attached ), Transunion removed the delinquency date of XXXX, updated my report to indicate I disputed the delinquency, listed the loan under adverse accounts, and will not remove the account until XXXX. Transunion has flagrantly ignored the directive from XXXX XXXX for almost 2 years.
I called Santander consumer USA about my account to ask about assistance due to the California Wildfires specifically the XXXX fire which was declared a Federal emergency. I advised them that fire caused a hardship because of loss of income. It states on their website to call them and ask for help. I advise them that I had been out of work for a few months and and had started working a about a month before the fire hit and caused my work to. I then advised them that I would make a double payment on XX/XX/XXXXto help bring my account current. I spoke with XXXX who submitted the request and advised it would have to be approved by upper management and would take about 24-48 hrs. This was onXX/XX/2018and I was told that a payment extension request would take care of 2 months of XX/XX/XXXXand XX/XX/XXXXor XX/XX/XXXX and XX/XX/XXXX. In about and hour the request was sent to my email stating that it was denied due to payment history. I gave them the reason why the account fell further behind due to a natural disaster. I would have been able to make the payment if I didn't miss two weeks of pay. I would have been able to make at least the XXXX.Either way I would have to make two payments of XXXX  each by XX/XX/XXXX. I also called in on Tuesday XX/XX/XXXXand was told my husband has to speak with them because he is the borrower on the account even though I am authorized to speak on the account and I have made decisions before. I was never told that the account was up for repossession in all of the times I have called no rep ever told me that. I also assured them that I would be able to make future payments on the account because I now have stable income coming in on a consistent basis. I am really trying to get some help the fires set me back about 2 weeks of pay and other expenses. I would really appreciate if someone could help set up some arrangement or help. Thank you.
I received a letter from a company called XXXX XXXX , XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by XXXX XXXX XXXX XXXX saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX, XXXX. I was told there was no record. I have since learned from XXXX XXXX that XXXX XXXX XXXX XXXX   called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from XXXX XXXX XXXX XXXX and confirmed this account had been settled. Now I receive additional mail from XXXX XXXX XXXX XXXX   informing that I still owe {$240.00}. That most recent correspondence from XXXX XXXX was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX, XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a XXXX  amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact XXXX XXXX XXXX XXXX as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.
Hi, On  X/XX/27 , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  X/XX/27 , I sent letters to each credit burea u (   XXXX ,   XXXX   and Equifax ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's Cardmember agreement-  XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  X/XX/17 , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.
USAA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
In XXXX, 2015 I entered a written dispute with FIRST FEDERAL CREDIT & COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, FIRST FEDERAL CREDIT & COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

FIRST FEDERAL CREDIT & COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with FIRST FEDERAL CREDIT & COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. FIRST FEDERAL CREDIT & COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that FIRST FEDERAL CREDIT & COLLECTION is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to FIRST FEDERAL CREDIT & COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.