WillisBack/dataset-financial-user-claim huggingface dataset:
I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and Toyota. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with XXXX police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And Toyota was paid in full and apparently that payment went to a different payment address and it took Toyota three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
This agency took actions without presenting accurate documentation to consumer. Additionally, they did not inform consumer of the charges despite the correct information provided to creditors. Additionally, the agency refused to provide consumer with CFPB when compliant was issued. They only provided the information after consumer paid the debt.
Health Care Debt, but the collection agency can not give details of the money owed. Transworld System Inc.TSI send me a notice of collection for XXXX XXXX XXXX but can only tell me an amount owed ( {$50.00} ). I do not fee I should just blindly pay a bill for unknown services
i was pulled my credit report and came across this hard inquiry that you applied to my credit report XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXX/XX/XXXX.

See an error?

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.

this is a copy from my credit report i have contacted you about this and you told me you have no information on me because i dont have an account with you and i would like this removed off my credit report because i did not give you my permission to run my credit and it was not suppose to be run/checked without my authorization
this collection company sent me a letter saying that I owe this company money. which I do not. the name is XXXX series a.
Account was paid and full company agree to delete negative account off my report over 6 years ago. the company lied and am still dealing with issues on my credit due to account after i paid my money to pay off the debt.
I attempted to acquired XXXX as my TV and internet service provided for my apartment at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. My apartment complex is an XXXX XXXX XXXX connected community and thus can not have XXXX XXXX. I was sent the equipment and then was told that I could not receive service. I returned the equipment via XXXX as requested. The account was closed with a zero balance two-three days later, because it was within the 30 day money back guarantee. XXXX decided to sent a debt collection agency, AFNI, INC. to collect {$41.00}. This is wrong because I can not be charge for a service I have never had. The service was never even activated, because the address was not serviceable. I have attempted to contact AFNI, Inc. but no one will answer the phone.
XXXX. This complaint represents a new complaint against US Bank. This focuses on the XXXX XXXX District Manager of US Bank, XXXX XXXX, for actions that seek to discriminate against me as a XXXX person. 

A prior complaint was filed XXXX XXXX XXXX against the XXXX Branch of US bank for refusal to accommodate my XXXX when XXXX tellers refused to help me complete a deposit slip despite my pleading with them for help and their mocking, shaming, belittling and embarrassing me ( teller even mocked me saying " oh I have pain toooooo '' ) in front of bank staff and patrons. After a phone conversation the next day with the branch manager, the situation was turned over to XXXX XXXX to handle. 

2. This complaint arises from a separate incident on or around XXXX XXXX XXXX in which XXXX XXXX states he has no plan to take any disciplinary action against either teller or the branch manager for their refusal to accommodate my XXXX, rather his plan is to " move forward '' to which he explains that he wants me to return to patronizing the bank by asking for either the same teller name XXXX or for the branch manager to wait on me. He also verbally refused to take any of my solutions into consideration including a simple apology from the tellers. When I told him that it is traumatic, inconvenient and discriminating for me to have to deal with the same people and to have only them wait on me, he said that I need to move forward and try to work with the situation. When I asked him if he did any XXXX training with any of the staff or if he planned to, he said it was not necessary. He refused to listen to me further and said he needed to go. I told him I was not happy with this as a solution - however in the prior complaint he falsely claimed that I was ok with what he proposed. I am NOT ok with him continuing a new discrimination against me and having me being treated differently than other customers going into the bank.
I leased my vehicle through Ally Bank. I setup my account on auto pay XX/XX/XXXX. Prior toXX/XX/XXXX my credit card had been compromised so I cancelled it and obtained a new card. I called Ally bank on the XX/XX/XXXX date to make sure they had the new card information so there would be no interruption of my auto pay account. I was told by Ally not to worry as the Auto pay was connected to my checking account. On or about XX/XX/XXXX I was sent an e-mail by XXXX XXXX stating that my credit score had dropped as a result of a 30 day late issued by Ally Bank. I called Ally bank and after two hours on the phone and 6 representatives was told I cancelled my auto pay on the XX/XX/XXXX date. Upon investigation it was determined Ally bank made the mistake of cancelling the auto pay. Further they never notified me of the cancellation of the auto pay or that it was delinquent. I am purchasing a home and am in effect homeless as I have sold my home in Arizona. I can not purchase a home until I resolve the Ally bank problem and have my credit score put back to where it was prior to Ally banks mistake. I have informed them of this with no result or action by them. it is my hope that you can help me resolve this issue. Thank you very much.
I have communicated with the company. They called me on cell phone with intent to harass and annoy. Please audit the company and have them list all calls to my phone
I used to have a past due debt with US bank which I settled in full with US bank directly and who deleted this account from my report and resent the collection notice to the collector. Now several years later XXXX XXXX is despirately, agressively and insultingly trying to collect on the debt that has been paid off and cancelled by the original creditor. Is n't this illegal?
I got a phone call from some lady showing on caller ID as XXXX XXXX XXXX They had some basic info from Im assuming my credit report .. the lady went on to say I wouldnt be sued if I agreed to make a payment today of {$1000.00} The supposed debit never never occurred and I told the lady that .. she just kept threatening me. 

She wouldnt give me the name of the business she represented but provided me with a XXXX number Upon waiting on hold for 28 mins I got frustrated and hung up then called the XXXX XXXX XXXX it turns out it's a company called portfolio recovery associates Upon calling back and demanding they provide me with more information in the mail about this so called debt. I was placed on hold again .. this time to talk to the dispute department.. wel guess what another 20 mins on hold and I finally gave up
I have reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX BANK # XXXX XXXX XXXX  XXXX under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!
On XX/XX/XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XX/XX/XXXX - seven months later and according to CFPB Auto loan applications submitted within a 14 - 45 day time period should be treated as " One '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " One '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit score. 

Equifax lists XXXX inquires XXXX list XXXX inquires XXXX list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XX/XX/XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as XXXX inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as XXXX separate inquiries. 

And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).
On XX/XX/2018 I received a statement via mail stating that my account has been forwarded to our office for collections for {$790.00}, this notice came from XXXX XXXX XXXX. I Called XXXX right away and was told that amount owed on the statement is for property taxes, I asked XXXX XXXX for proof of this. Prior to this statement I was never notified of this bill there was no bill and no phone calls. On XX/XX/2018 I again called XXXX XXXX and was told that the bill was the license plate, I was given different information on XX/XX/XXXX and different information on XX/XX/XXXX. I  again asked for proof and an explanation for what this bill is for and why was I never informed the rep stated he will email me the information. To date I have not received any documentation. I no longer own this vehicle and have not owned this vehicle since XX/XX/2018. XXXX XXXX never contacted me thereafter, never sent me any communication until I received a collection notice on XX/XX/2018. I was unaware of this owing balance which XXXX claims I owe. I have a new vehicle and I think XXXX XXXX is trying to double bill me, this is why there is no proof and I have not been contacted prior to this notice.
Midland Credit has continued on several occasions to ignore repeated written requests for proof of documentation that were sent via mail and has violated federal laws by not responding to my written requests via mail. I have reported the creditor to the Georgia State Attorneys office for violating both state and federal laws.
I have notified the creditor several times that this debt is not valid and a error was made on the part of the original creditor. The original creditor removed this debt from my report due to their error and has sent me a letter in writing notifying me of the removal of the debt. Midland Credit has willingly reported a debt they know is not valid and has failed to contact the creditor regarding the debt. I do not owe XXXX XXXX XXXX and Midland refuses to remove this debt knowing it is not valid.Also, Midland does not have the consent of XXXX XXXX XXXX to report this debt.
My account is current and One Main Financial continues to call and harass me. The say that I am lying about my payment about how often they call. And today I went to the local office after yet another call from them. And they told me that I did not pay enough to get my account current and made me pay another {$12.00} after they had already taken {$150.00} out of my account on the XXXX.
Family account was established XX/XX/XXXX for those family members who were not able to pay full prices for all future family reunions. So XX/XX/XXXX after the markets fell, and we could not go on family reunion trips regularly, I ask the bank what amount was need to keep account open. Myself being the treasurer of the family club fund left {$290.00} the amount I was told in the MB Financial Bank in XXXX XXXX IL. In between that time my sister XXXX XXXX whom was the name on the account had moved, there was no mail forwarded to new address from old address so, long story short they deducted all funds over the course of the five years. Now present day we went to go close out the account was told we ca n't get any of our money back.
I have previously submitted a dispute due to XXXX not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through Credit Acceptance, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. Credit Acceptance sent me mail showing the account satisfied and closed. On XX/XX/2018 XXXX  reopened this paid closed account to unpaid with balance of {$160.00}. I called Credit Acceptance XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with XXXX because them had indeed sent XXXX my file for this account being paid and closed. XXXX had severally damages my credit because of their negligence and I am ready to sue them over this.
This message is in regards to the recent Equifax data breach. According their website, I am a victim in the data breach. It is unfortunate that I never had a choice in whether or not Equifax retained information on me. However, they held extremely sensitive data on me and are completely responsible for its safe-guarding. Equifax has completely failed in this respect on a massive scale. They should be held fully responsible for fixing the situation. The fact the they are offering 12 month free credit monitoring if you sign up with them and waive your right to a class action lawsuit is an absolute slap in the face. Credit monitoring should be free in perpetuity unless new social security numbers are provided. I urge you to please take this very seriously and make an example out of them. Millions of people 's financial security is now at risk. Thank you incredibly for your time. 

Sincerely, XXXX XXXX
My wife made a deposit to my bank account in Puerto Rico from our joint XXXX account from XXXX. in the amount of {$700.00} on XX/XX/2016. That check was cleared and paid for by XXXX. I have the cancelled check and statement reflecting this. Yet, the bank in Puerto Rico claims the funds were not released from XXXX and they froze the deposit amount of {$700.00} from the acct. At this point we are out of {$700.00}. My wife filed a complaint through CFPB case # XXXX-XXXX first against XXXX. XXXX proved this check was paid so that case was closed. However, athough we have repeatedly shown all evidence to Banco Popular, they have denied receiving these funds and never credited my account with the {$700.00} I am attaching copy of bank statement reflected payment of check from XXXX and copy of paid check received by Banco Popular.
Chase reached out to my wife asking for information on XXXX wires we completed. Although the information was provided timely to Chase representatives, Chase froze my account without a warning. I called the bank and had the freeze lifted, but meanwhile XXXX credit card payments were declined and XXXX checks bounced. I experienced XXXX in return payment fees because of Chase error. When I called the bank and asked to reimbursed for the out-of-pocket expense because of Chase error, was told by members of their compliance department that Chase would not reimburse the costs, even though it was their error.
Since XXXX XXXX, XXXX, the NCC Business Services, a collection agency has been trying to collect money ( {$600.00} ) that I do not owe. They said I should have paid the early termination fee equal to two months ' rent to my previous apartment landlord, the XXXX XXXX XXXX, XXXX, GA. I paid the early termination fee equal to one month 's rent as stated on my lease term a month before my move-out date XXXX. I even verified the amount of the early termination fee with XXXX XXXX, Assistant Manager when the 60 day written notice was submitted on XXXX XXXX and when writing a check ( # XXXX ) in the amount of {$800.00} for that on XXXX XXXX with a separate check ( # XXXX ) for the last month 's rent and water bill in the amount of {$830.00}. On XXXX XXXX, I called the manager XXXX XXXX XXXX XXXX of the apartment right after receiving a call from the debt collector. The manager said I had a balance in the amount of {$570.00}. When I asked what the balance was for, she said I did not pay the early termination fee. As I asked her to check my payment history, now she changed that the balance was for the late charge fee because I returned the keys on XXXX XXXX, which is not true. At around XXXX, XXXX XXXX, I returned all the keys in person to XXXX XXXX, Leasing Consultant in the leasing office with a check ( # XXXX ) for a current water bill. The apartment unit had been thoroughly cleaned and there was nothing damaged. I asked for a move-out inspection, but they waved it. Right after that, my wife and I moved XXXX XXXX miles away XXXX and has never come back XXXX. I was expecting a final water bill if any, but since I moved out of the apartment, I have not received any kind of notice from the leasing office regarding the balance. I had XXXX more chance to talk with the manager over the phone on XXXX XXXX, and she refused taking and returning my calls after that. Another strange thing was that the manager was saying she had no idea about the collection agency. I have sent a debt validation letter twice to the collection agency on XXXX XXXX and XXXX XXXX, XXXX requesting a copy of documentation from the XXXX XXXX saying the early termination fee is equal to two months ' rent. I have not received any written response from the agency as of today. 
On XXXX XXXX, When I called the collection agency after talking with the apartment manager, I requested them to send me a letter regarding this debt. XXXX from the collection agency told me that they would report it to the credit bureaus right away if I would not pay the debt in 15 days. And he added that I would get a refund if it would turn out that the debt was not mine after I made a payment in full. So I paid with my credit card on the same day over the phone. After I did some research about debt collection, I found out that one would have 30 days to request validation of debt. Thus I called my credit card and put my payment on a dispute.
I was in the middle of trying to refinance my home when I saw a XXXX was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?
I 've sent letters to this agency to verify this remark on my credit report. They have not sent any verification and it remains on my report.
Accelerated Financial Solutions, has once again added themselves to my credit report and as a result my score has went down and now my credit accounts that were in good standards as decreased my credit limit and I am very upset. I tried to to resolve this a year ago, it was removed off my credit and now put back on yet again,
I have a Nordstrom Stores personal Visa card. I was late in XX/XX/2017 on two occasions due to the birth of a child. My interest rate was raised from the agreed 17 % to the deliquency rate of 31.15 %. I called and spoke to customer service. I was informed I had to make 6 payments on time in order to be considered for the 17 % rate again. I got a voice mail today informing me that I was approved ... .but at the same 31.15 % delinquent rate. I would now have to wait another 6 months before the next review period.

This is a deceptive trade practice. Nordstrom is advising clients to wait 6 months, while they continue to collect 31.15 % interest, even thought the account has not been delinquent for 6 months. 

I contend that there is no review period, or anything else occuring here. They are simply coercing people into believing they will have their rate lowered.