WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , XXXX . 
XXXX XXXX XXXX, XXXX XXXX Account Number Num : XXXX Re : CFPB Case Num : XXXX Dear XXXX : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB XXXX XXXX : XXXX Attachment of the credit Report
I have XXXX hard inquiries for XX/XX/XXXXon my Equifax credit report. Only XXXX of them belong to me : 1. XXXX 's XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ). 

For the other XXXX inquiries I did NOT sign a credit application or otherwise complete any authorization to review my credit. The Equifax rep in XXXX (??? ) said I must contact each company and resolve this on my own. My lawyer said the Equifax fraud department, who I asked to speak with, should handle this since they are responsible for confirming everything they put on my credit report. 

Can you please help me get this straightened out? 

Thank you.
I have been with XXXX at various addresses since XX/XX/XXXX. Due to their horrible service I cancelled. From XXXX XXXX XXXX I spent 15 + hours on the phone with them. After cancellation I got a notice that I had a XXXX credit. All was squared away. Then dated XXXX I got a notice from Afni Collections saying I owed $ XXXX. I called XXXX. They admitted the never told me about the balance and admitted no bill was ever generated. My only notice of this was that I got a collection notice. I confirmed it was a valid collections company then paid it at once. I 'm XXXX XXXX XXXX today. I have never, ever had a collection notice in my life. I 'm fiscally responsible. XXXX failed to follow protocol by first issuing a bill to me letting me know I had an account in collections. I leave XXXX for three weeks tomorrow. Had I not happened to get my mail ( it just arrived today ) it would have hit my credit.
I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries on my credit report : XXXX XXXX XXXX, XXXX/XXXX/16, XXXX XXXX XXXX, XXXX. The unauthorized inquiries do not belong to me.
Last XX/XX/XXXX, I called ACS two months prior to my forebearance ending to see about putting my loan in forebearance another year. I have not worked since XX/XX/XXXX and I had to file for XXXX. My hearing for XXXX is in or around XX/XX/XXXX. By then, I will know if I have an income or not and begin making payments. I fully intend on paying my loan back. I had been paying on it on a regular basis for years without missing a payment. However, after my XXXX in XX/XX/XXXX, I have not been able to go back to work and filed for XXXX. 
Last XX/XX/XXXX, when I called ACS to find out my options for another forbearance, they emailed me the form same day. It was confusing so I called them for answers, telling them no change from last year and I was advised on how to fill it out. I sent it back regular mail in XX/XX/XXXX. I did not hear anything back either by regular mail or email. I called yesterday afternoon and I was told it was denied. I asked when. She said XX/XX/XXXX! She also said they put you on another program. I said wait a minute. I 've done everything they have asked me to do and they ca n't even notify me correctly of their decision and they want me to pay when I do n't have a job? She said to fill out the form again. She was n't knowledgeable in helping me fill out the form right. I lost confidence in ACS. They never used to be this bad. I am requesting another year of forbearance. I have yet to receive the response they said they sent me denying the forebearance so I have nothing to attach.
About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, XXXX, and experien ) refuse to remove bankruptcy on all my closed fedloan accounts. They claim the loan provider fedloan verified it was XXXX in bankruptcy. This is not true. My loans where XXXX through TPD from fedloan for being a XXXX veteran. I called fedloan numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
There was no Late Payment made for XX/XX/2018. Creditor XXXX XXXX reversed late payment charge and credited my account. However still reported as late payment for the month XX/XX/2018.
I made some transfer through Transfast from USA to XXXX. The transfer was supposed to be completed in XXXX business days which did not happen. 
At this point, I called transfast to enquire about the transfer. My call landed in XXXX, XXXX. The customer service rep ( named - XXXX XXXX ) started asking my Engine Password - which I declined providing as it has my XXXX XXXX XXXX account added and verified. She kept on emphasizing about the password to login to system. 
I was certain to not provide the password and she started asking me to send a copy of my SSN. At this point I asked to transferred. I spoke with her team leader who then transferred me to New York office where I spoke with XXXX. 
XXXX asked me to send a physical copy of my SSN document and said that it is required to process the transfer. He also stated that he will take only and only SSN to process my transfer else will cancel the transfer. 
No where on the " Transfast '' website it states that SSN is required as a document and it also does not show if this information is going to be secured when I send it over. 
I then asked XXXX to send me in an email that a physical copy of my SSN is " mandatory '' to make the transfer and he then gathered my information and said that he will send the email. 
I have a copy of Transfast - User Agreement, the security page and the How it works and on NONE of the pages its mentioned that I need to share my SSN or any government ID. 

XXXX who sits in XXXX was very rude and did not understand my point that there was NO need to share my password. Also, he was adamant to get a physical copy of my SSN. I told him that it is not safe to share SSN in its physical form which will be store with you without encryption. 

This is a fraud and they are taking the SSN and copy of government ID without secure environments.
This loan was taken out in XXXX of 2015 from Rise Credit, in XXXX of 2015 I was given I/U ( individual unemployability ) from the VA. I called Rise Credit they said as long as I had some type of income this loan would continue. I have made XXXX payments on this loan and now I owe more than I originally took out. I have called XXXX times and given the same lie. That when the next payment came out my balance would be lower. That has n't happened yet. My payments are {$530.00} per month, my original loan was for {$2200.00}. I have paid back {$2600.00}. I believe that is enough of payments although per contract I still have XXXX payments left of {$530.00} which equals {$5300.00} and that is n't including what I have paid already. This loan is predatory and given my XXXX status should be dismissed. If the government can forgive my student loans for fighting for my country I should be able to get a loan where I am not being taken advantage of. Please help me with this.
Bank of America 's " Extended Overdraft '' fee of {$35.00} has ended up penalizing me {$70.00} for a {$9.00} overdraft. I 'm accept the original {$35.00} fee since the error was my fault, however, is n't Bank of America guilty of charging " excessive fees ''? I 've been with this bank for years and the bank can see when my payroll occurs ( bi-weekly ) and my deposit of my Social Security check on the XXXX of each month. The overdraft occurred on XX/XX/XXXX, since my XXXX check wo n't deposit until XX/XX/XXXX, there is no way for me to avoid the extended fee. My current balance is - {$79.00}.
Three weeks ago, I was turned down for credit at local XXXX XXXX XXXX XXXX. The bank that manages Lowes ' credit accounts is Synchrony Bank. I was told they would contact me within seven to ten days. But they have not told me why my application was rejected and it has now been almost four weeks.
I submitted a dispute with Experian on XXXX XXXX ; concerning XXXX XXXX XXXX Account # XXXX. Status : XXXX XXXX off. I sent Experian copies of the payments that were sent to XXXX. ( The car was totaled and my insurance covered the cost of the loan and Gap insurance made up the reminder of the amount. ) On XX/XX/2018 Experian sent me the dispute results which said that it has been verified. 

On XX/XX/2018 I sent a letter to Experian asking for how they conducted their investigation into my dispute. I specifically asked what was Experian 's methods and procedures for doing this investigation and was this investigation performed independently and not just parroting what the creditor said. 


On XX/XX/2018 Experian sent me an email alert that a dispute was opened up for XXXX XXXX XXXX and the results would be finished around XX/XX/2018. 


I called Experian on XX/XX/2018 at approximately XXXX and was transferred to a dispute specialist name " XXXX XXXX who informed that XXXX XXXX investigate this dispute and notify Experian within 30 days. I said that I was expecting the results in 15 days ; I attempted to explain to XXXX that I sent the letter to Experian and specifically asked for how Experian conducted a reasonable investigation. XXXX said that XXXX would look into my dispute. 


Experian has totally disregarded my request for the method of verification.
I have disputed the validity of a Synchrony Bank/Care Credit account on my credit Reports. I sent a dispute directly to Synchrony Bank/Care Credit in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.
I sold my house and while waiting for the closing date I was in contact with Ditech Financial LLC. They informed me that as long as the mortgage was paid in full by the end of the month that I would not be penalized. The closing occurred on the XXXX of XXXX. Payment was not wired to Ditech from the title company until the following day since the closing happened after XXXX EST on XX/XX/2018. 
Ditech was paid in full on XX/XX/2018 yet they reported me to the credit bureau as being 30 days late. This is preventing me from purchasing a house due to the drop in my credit score. 
I have never been late on my mortgage payment. I have contacted Ditech several times via fax and phone, yet they have claimed to not have complete records of such correspondence. I have hired a lawyer. 


Thank you, XXXX XXXX
Card issuer received confirmation of payment in full from credit collection agency. Card issuer representatives provided inaccurate/false information re update to provided to credit bureau. Account is paid. It is not " in collections '' as reported by card issuer. 

The card issuer appears to send updates ( " in collections ) to credit bureaus that have negatively impacted my credit file. The updates that reflect negative status are no longer accurate.
We live in XXXX TX and were one of many families whose house flooded due to Hurricane XXXX. We have flood insurance and met with our adjuster XX/XX/XXXX. During the time were were waiting to see our adjuster we ripped up our floors, drywall and cabinets and started the drying process at the request of the adjuster. We have located a contractor and submitted all documents necessary to the mortgage company Penny Mac. We were issued a XXXX immediate release of contents money and XXXX of Dwelling. It was an enormous struggle to get the " Immediate Release '' of funds returned to us. Our Adjuster wrote a letter to the Penny Mac Loss Drafts department ordering them to release the money so we could continue to move on plus reimburse ourselves for the expenses already incurred. On XX/XX/XXXX the XXXX dollar check finally arrived. We contacted the adjuster and explained how long Penny Mac held our check. and asked if she would release another XXXX so we could proceed. She agreed and XXXX cut another check. On XX/XX/XXXX we 2 day Priority Mailed the check to Penny Mac. They have been holding the check ever since. I have called so many times I have lost count. I am given a different excuse as to why I can not collect the funds every time I call. Please check the websites XXXX XXXX XXXX and XXXX XXXX. We are unable to live in our home and are currently using our auto insurance proceeds to help pay contractors.
A representative by the name of XXXX of Coastal Financial Solutions called my place of employment and voluntarily informed the person that answered they telephone that I was being contacted for a legal matter concerning a return check. She left a number to return they call and when I called back she yelled at me about paying back a loan that I know nothing about. I could barely understand what she was saying as XXXX was not her first language, so she hung up and stated she would see me in court. This is the XXXX organization at has called me about a similar situation and it is always the incorrect information. The reason for my compliant is this person failed to follow proper steps in attempting to contact someone about a debt. I have not received anything from this company via email or telephone validating this debt. For this individual to share information with my employees of this nature impacts my intergrity amd has now caused a issue at my job with Human Resources. When I called to ask for the President of the Company, I spoke with a male that stated his name was XXXX XXXX. I will be filing this same compliant with the Attorney General and Frderal Trade Commission as well. The actions mentioned above by XXXX is illegal and should be handled accordingly. I have the electronic copy of the communication from my employee concerning this message as she was also stunned by the persistence of this representative. I have never competed anything illegal in my life and refuse to allow something of the magnitude impact my position or credit files. I wanted to make sure that this story was posted for all to see as I continue to take the neccessary steps to ensure organizations like the XXXX mentioned above does not get away with this kind of misconduct. ( I would like to add that although I selected " Talked to a XXXX party about MY debt '' ... I am not admitting that this debt belongs to me. It was the closest category listed to describe my situation.
Trans Union is not responding to my requests to investigate, verify and remove an account from my credit report that does not belong to me.
The collection agency Source Receivables has been trying to collect a debt from me that was bought from XXXX as the original lender of the account. Prior to this, I was making payments on this account to another collection agency and without notifying me, the account was sold to Source Receivables. I have requested verification of the debt that would include an original contract with my signature stating that I am responsible for this account. I have not received this information from either the original lender or from either Collection Agency, yet this account is still listed on my credit report under a collection/charge off. I do not have a contract between myself and a third party with the agreement that I owe them money. The supposed original agreement is between myself and XXXX but no original paperwork has been sent to me with my signature for a valid debt validation.
On XX/XX/XXXX, I pulled a copy of my XXXX credit report. Accordingly, there are two Capital One Revolving credit accounts listed. However, under each tradeline, Capital One reported my accounts as " 30-day ( s ) late '' from XX/XX/XXXX until XX/XX/XXXX. However, I 've been in an active Chapter XXXX bankruptcy since XX/XX/XXXX. Accordingly, I can not have been late on the Capital One unsecured debt ( s ) since they were included in Chapter XXXX automatic stay from XX/XX/XXXX until XX/XX/XXXX. Also, Capital One is violating the FCRA Direct Dispute provisions and violating the Dodd-Frank Act.
Acknowledged as a victim of massive identity theft in 2015 by the Internal Revenue Service. My case warranted me involving the FBI and Internal Revenue Service. 
Despite me providing Transunion and Experian with documentation from the Federal government and additional XXXX pages of proof regarding fraudulent accounts they continue to allow the creditors to report fraudulent information. Specifically of concern XXXX XXXX XXXX. I have provided information that this is my mother 's account. Sending the Registration, and Insurance documents. XXXX providing information that this car is garaged at her home address " a senior housing complex '' XXXX continues to report that I am a cosigner on this account the most compelling evidence, which hyundai would be unaware of, is that I am a victim of identity theft which left me unable to obtain any type of loan. My credit score being XXXX left main financially and economically paralyzed. I am devastated by what XXXX XXXX XXXX has done after me being a victim of identity theft I have been revitalized by XXXX XXXX XXXX. This is my mother 's car. I did pay this account to help my mother which was my prerogative. I did not authorize XXXX XXXX XXXX to keep my information in their system. XXXX XXXX XXXX continues to list me as a co signer on this account which is mind boggling. More disturbing is transunion has the factual information that this is not my account. The reckless and destructive reporting by XXXX XXXX XXXX to the credit bureau is beyond comprehension. I did make payments on this account for my mother 's car. At no point in time did I allow XXXX XXXX XXXX to keep my information on file. I have found out XX/XX/XXXX they have used my banking information, which was not to be stored in their system, to take an unauthorized payment out of my account. XXXX XXXX XXXX can not substantiate a co signer on this account .There is no supporting documentation stating I am a cosigner XXXX deleted XXXX XXXX XXXX XXXX from my account however I have been disputing this with XXXX and TransUnion for a year. Being a victim of massive identity theft and fraud and dealing with the credit bureaus actions has affected me in a way that I can not even begin to express. Dealing with the credit reporting agencies is being subjected to continued abuse for me. It is unfathomable, beyond comprehension. This is XXXX account. Equifax removed XXXX accounts. Experian is still reporting a federal tax lien which the Internal Revenue Service found me not liable for. The credit bureaus have all of this information. The government does n't hold me responsible. I should not be subject to more abuse by the credit reporting agencies. These accounts need to be taken off my report as soon as possible. I have been left in financial ruins. A single mother of XXXX XXXX children. I 've been left economically and financially paralyzed. Thank you in advance for your time.
In late XX/XX/XXXX/early XX/XX/XXXX I was sent a solicitation from Citi /  AAdvantage Platinum Select World Elite XXXX inviting me to apply for a credit card in which I would receive XXXX bonus miles if a spent a certain amount of money on their card over a certain period of time. I completed the application, it was accepted and a new credit card was sent to me. 

I then spent the required amount using their credit card. However, I was not given my bonus miles. When I inquired about this with the company, I was told " Terms and conditions state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within the last 24 months. '' Apparently, I had previous had this card and closed the account in XX/XX/XXXX. 

While I agree this is a reasonable policy and I agree it is stated in the fine print in their offer, I also think it is entirely unreasonable and misleading when a company with as many resources as Citibank is allowed to solicit business from potential customers with offers that Citibank already knows they do not qualify for. I did not reach to them and ask for this credit card ; they sent me the offer and I accepted it. Further, I think if I did not qualify for the offer they offered to me, they should be required to reject my application and, if they so desire, send me another offer that I do qualify for.
This was an account that was opened in my name by my son without my knowledge. Please remove this item off of my credit report immediately before i pursue further action.
Three months ago I disputed bankruptcy and lien information that is listed on my credit report, XXXX  listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.