WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 i applied for a credit card with Wellsfargo on line and was told after completing application that i would have to wait until the next business day to find out if i was approved or not. Long story short they declined me until I demanded a manual review of the application with very great income and low DTI. After a review and several complaints about why i was turned down with a XXXX credit score my application was approved. I then asked about the initial application and the information that was in there was not accurate. The rep told me not to worry that it would not be processed and i wouldn't have to worry about it hitting my account. On XX/XX/2018 I notice charge on my account for {$6500.00} that was sent to XXXX Visa which is closed now. Wellsfargo said there was nothing they could do and I would have to see if XXXX Visa would return the funds due them not being able to reverse it. I explained that I did not Authorize this and that it must be a mistake due to the initial issues with the account opening. I tried contacting XXXX Visa to resolve issue and was told that they didn't receive or have any the of transfer to them. I returned to call Wellsfargo to relay the information 2 times after and nothing was done and my account now showed a balance of {$9900.00}. I only wrote a check to transfer a balance of {$3200.00} They have done nothing to correct the fraud but give me a new card number and transferred the unauthorized transaction my new card number and then reported the balance and usage to XXXX Credit Bureau that my utilization is at 100 % and the card balance is at {$9900.00}. I have called back again XX/XX/18 to talk to someone about it and now they are saying they will assign a case to it but will not correct information at the time for incorrect info on my credit report. Every time i call in I get told something different and they are not willing to help I have offered to pay the difference so that this would not affect my credit score or utilization and the representative told me not to worry that they would have this taken care of in a few days and if a balance did report it would only be for the amount I used which was {$3200.00} I also made a payment on the account of {$96.00} on XX/XX/18. I spoke with the customer service manager on XX/XX/18 that said that payment would be reversed back to me to not have the 1st payment being so much. I have gotten no where from calling for over 2 weeks now and as a result my credit score has been affected by this and I feel as if i have been discriminated against with this matter based off the history of the account and having issues with getting the application approved in the beginning. I would like to see that Wells fargo change their practices with customer service and doing things to customers accounts with out their approval and not wanting to correct it when recognized.
I filed bankruptcy in   XXXX   Chapter  XXXX . It has since been discharged.  General Motors c alled my lawyer and we arranged a day to pick up the  XXXX  as I surrendered it in the bankruptcy. They picked it up  XXXX . My husband filed chapter  XXXX  who was also on the loan with me. 2 months later they called and demanded he pick up the vehicle at the towing lot that day. We called and asked why they said it was ours pick it up or it will be surrendered to the towing agency. Now on  XXXX  they send a towing company to my old address asking for me and demanding the vehicle. Then they come to our present address and speak to my husband and demand to only speak with me. He was talking to him through the screen door the repo man attempted to open my door to yell in the house for me. He would not speak to my husband who is the only responsible party for the vehicle as my chapter  XXXX  had been discharged. He told him that I would be responsible for the visit fees the repo fee and towing fees and that he needed to explain this to me before he would leave.he also stated that this would not go away it would be added to the total I owed GM after they found the vehicle and took that I was just racking up fees to pay. I know that after chapter  XXXX  I am not legally in no way responsible for this vehicle, I can not be billed for it and I ca n't be threatened with legal action and fees because I filed Chapter  XXXX  and it was discharged. This company harassed people at my old house harassed my husband and threatened me.  XXXX  broke the law. The repo man works for them and it is their responsibility to ensure they are doing the right thing.
The borrower XXXX XXXX, was approved by the first mortgagee, XXXX ( ie. the loan servicer ) for a short sale on his primary residence and under the short sale approval letter, the first mortgagee had agreed to waive a deficiency in excess of {>= $1,000,000}. To close the transaction, an application was made to the second mortgagee, Chase, to obtain a release of lien in order to deliver clear title. The First Mortgagee, XXXX, provided for a payoff of {$8500.00} to Chase on the second mortgage. The short sale approval letter on the first mortgage expires on XXXX XXXX, 2016. An immediate application for approval was submitted to Chase on the second mortgage on XXXX XXXX, 2016. Folks in the Chase collections department are handling the matter. They are seizing the opportunity to delay the transaction, to forbear from rendering a decision, solely for the purpose of holding up the borrower, hoping they can extract more funds from the transaction. It appears that Chase through its senior vice president, XXXX XXXX, Chase has refused to address the application on its merits. As a result, XXXX XXXX will be losing his ability to close under the terms of his approval letter on the first mortgage.
Equifax continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 
I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well.

Equifax has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated.

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax is refusing to delete this information from my credit report.
Transuni on had a computer breach that violated the rights of their consumers. Under section 6.11, I have been affected gravely and my credit score is suffering as a result. The glitch cased all of my inquiries to be deleted and my credit score increased. The very next week, all of the inquiries were reinstated, in direct violation of 611 of the Fair    Reporting Credit Act. I have spoken to se veral representatives at Transunion and each has acknowledged the breach occurs several times  in  XX/XX/XXXX  and  XX/XX/XXXX . However, they refuse to fix the errors on my credit report. I am requesting the the   reinsertions be permanently deleted from my credit report. I demand that the following inquiries be deleted immediately :   XXXX   XXXX   on  XX/XX/XXXX , XX/XX/XXXX ,  XXXX    XXXX   XXXX   on   XX/XX/XXXX ,    XX/XX/XXXX ,    XX/XX/XXXX    XXXX   XXXX   XXXX   on  XX/XX/XXXX    XXXX   XXXX     on   XXXX  ,  XX/XX/XXXX ,   XXXX     XXXX   XXXX   on  XX/XX/XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX     XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX  on  XX/XX/XXXX ,   XXXX  ,   XXXX    XXXX  on  XX/XX/XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   on   XXXX    XXXX  on   XXXX  ,   XXXX     XXXX     XXXX   on  XX/XX/XXXX   XXXX  on   XXXX    XXXX  on  XX/XX/XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX    XXXX   XXXX   XXXX   on  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX    on   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX
Ally Bank uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of Ally Bank, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. 
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of Ally Bank, XXXX XXXX XXXX of XXXX XXXX, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! 
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " XXXX Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's XXXX XXXX. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, XXXX where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? 
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with Ally is XXXX.
In XXXX we received a letter for Chase stating that we had applied for an Amazon.com Visa Signature card. We had not. We called Chase and they blamed us by stating that we 'clicked a button ' at Amazon that initiated the request. They told us that they would close the request.
Last week we received another letter from Chase that has exactly the same information. Today I pulled my credit report and am shocked to see that Chase has continually been running credit inquiries. These inquiries have brought my credit score down. The inquiries from Chase, which I did not initiate, were on these dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with Amazon and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a Chase Credit Card from Amazon. Thus this is a repeated fraudulent request. Can you assist with resolving this so that my Credit History is fixed and does n't continue to drop?
Thank you.
I previously had an auto loan through  Summit  financial opened in  XXXX . In  XX/XX/XXXX of  XXXX  I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was  XXXX   XXXX  Signature of  XXXX , GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since  XXXX . The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.
Portfolio Recovery has been calling my home number literally for years. They never leave a message. I see their name and number on the caller ID and then block the number, but they continue to call using other numbers. I 've lost track of how many numbers I 've blocked. We have never received written notice of any debt, and owe no collectible debts, as we have superb credit. They call often, from any time in the morning to late in the evening. I 've emailed their complaints department several times to no avail. I will not answer their harassing phone calls, and am hoping that the CFPB can intervene and help stop these unwanted calls.
Santanders auto loan division has placed my husband and me in a more financially crippling situation than we were in before contacting them for assistance. In early XXXX, I contacted Santander to set up a payment arrangement for the payments that were missed due to loss of income. The first representative I spoke with informed me that I was able to defer the missed payments altogether, and they would be added to the end of the loan. She then stated that the next payment would not be due until XX/XX/XXXX. This would give my husband and me time to catch up on our monthly auto payments and bring our account to a positive standing. 

Since the account with Santander is under my husbands name, I had to call back with him on the line to accept the payment plan. Consequently, I called back a few days later with my husband on the phone so that he could approve this arrangement. Upon calling Santander again, we spoke with different representative, however, she outlined the SAME terms that the previous representative explained to me. For this arrangement to take effect, we needed to make an initial payment of {$850.00}, which was processed via debit card on XX/XX/2018. 

Today, our vehicle loan with Santander is in the same negative status as it was when I placed the initial phone call due to the negligence of not one, but TWO representatives who failed to provide accurate information when setting up this  payment plan. Unbeknownst to me, our next payment should have been in XXXX and not XXXX according to an account representative I recently spoke with who informed us of our delinquent account status. 

Santander has repeatedly apologized and admitted that the representatives of their company provided inaccurate information, yet they refuse to remedy the issue. We are unable to make an additional payment on this account, especially since we were under the impression that regular payments would resume in XXXX. Santander has a fiduciary responsibility to their customers that includes providing them the most accurate information regarding their account ( s ). Their mistake have cost us yet another negative credit mark, and an additional balance that we are unable to resolve at this time. We are requesting Santander to delete the negative credit reporting associated with this payment arrangement, as well as defer XXXX payment to the end of the loan as originally discussed. Furthermore, when I access our account online, it shows a past due amount of {$4200.00}. Santander needs to adjust this information to provide the most accurate information about our account.
This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX  CASE # XXXX XXXX XXXX  WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX   FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX  AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX   ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX  RECEIVES XXXX A MONTH SSI XXXX XXXX   HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR XXXX YEARS PAYING XXXX   A MONTH RENT, XXXX HAS RUINED XXXX  REPUTABLE CREDIT. WE ARE ASKING XXXX  TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST XXXX YEARS. WE CAN PROVIDE DOCUMENTS. XXXX   FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX   SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX   THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX  FUNDING WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX   PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX  YOU CAN SPEAK WITH XXXX   AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX  TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.
{$4000.00} Cashiers check was deposited at the branch in person. Teller placed a Reg CC hold on check improperly. Per Reg CC and the banks own deposit agreement, the first {$5000.00} of a cashiers check is to be made available the next day.
On XX/XX/2018 I wrote to XXXX XXXX XXXX in regards to them saying I owe them {$400.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So onXX/XX/2018 I  wrote XXXX, XXXX. Experian informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I also wrote XXXX XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$260.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them.And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on 08/08/2018 I wrote XXXX, XXXX. Experian informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX on XXXX XXXX in regards to them saying I owe them {$40.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018I wrote XXXX, XXXX. Experian informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$980.00}. I requested " validation '' that is  competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And I haven't received any information. I recently checked my credit report and I see they our reporting this debt from XXXX in the amount of {$450.00}. These accounts are not mine and I would like it removed.So on XX/XX/2018 I wrote XXXX, XXXX. Experian informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I ALSO WROTE THEM ABOUT XXXX XXXX AND XXXX XXXX IN WHICH I HAVENT RECEIVED NO UDPDATE! I WROTE TO XXXX, XXXX, AND EXPERIAN ABOUT THESE UNAUTHORIZED INQUIRIES REPORTING ON MY CREDIT REPORT. I WOULD LIKE ALL THIS INACCUARATE INFORMATION DELETED OFF MY CREDIT REPORT IMMEDIATELY!
XXXX Services Inc. is reporting a non paid red light ticket on XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 

I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.
I XXXX XXXX believe that I have a legitimate case of identity theft that needs the immediate attention of the Consumer Financial Protection Bureau. My case can be described in a chronological order so that it can be clear that my personal information such as my social security number, date of birth and additional personal information are being held by a collection agency that has no legal recourse against me personally. On XXXX XXXX, XXXX my debts from any XXXX student loans were legally discharged in a United States XXXX court. All of my debts were legally discharged and there is no legal position to collect. Any student loans procured after XXXX XXXX would fall under a different legal guideline, but any or all student loan debts procured before that timeline are dischargeable from a bankruptcy petition. The use of any of my personal information to abuse my credit reports is without question an identity theft. This company is using an abusive collection process in violation of my rights under the Fair Debt Collection Practices Act. I demand my file to be purged permanently and immediately.