WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX I was offered a job position, and they had to do a credit check that i had to pay XXXX for. I was denied the job because during my check it came back that my social security number belonged to someone else. After finally getting in touch wit someone from experian they explained that possibly one of the credit agencies entered my social security numberin wrong. I recieved my free reports from each agency, and there was an incorrect address on my XXXX report for someone in Ohio. After sending in identification to prove that i am me, XXXX told me the error is corrected. So i disputed this with the company that was checking my credit background for the job and once again i was denied the job because it said my social security number belongs to someone else
Since XX/XX/2018, the collection agency ( REMEX, XXXX ) did not tried to call doctor 's office to find out the right amount for the sevice date even though the doctor 's office gave the agency a wrong information and I called for 1 month. There is only 1 service for the same day. I faxed a copy of explanation of benefit to the collection agency. However, they asked a copy of explanation benefit about XXXX  dollar which is not existing and they sent me as a bill. During the call, they gave me a lot of stress by asking me of not - existing document repeatedly. I would like to report the agency vioates the consumer right law ( verbal abuse ).
XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX NC XXXX. Worked a deal and signed the paperwork for a used car loan. 
Credit Acceptance financed XXXX $ The down payment was unable to be met because of circumstances out of my control. 
I contacted XXXX after canceling the check for XXXX $ saying I need to bring the vehicle In and that there was a hang up with the money wire me and my co-signer were expecting to arrive that day from a staffing company based on the west-coast. 
XXXX continued to string me along and push the days out more and more to give me time to bring, XXXX $ to keep the vehicle in my possession. 
On XX/XX/XXXX I successfully was able to get to the dealership in the hours that the owner was still present and he lied multiple times about the financing and my only option moving forward. I Willing gave the dealership all keys and property to the XXXX XXXX XXXX. My personal belongings and tools were in the back replacing the third-row seating. the owners father agreed that i am not to get any of my tools back until the third row seating was brought back. I agreed and assured them i would be back momentarily after calling an XXXX to get to my bosses truck to retrieve the third row. the owners son was swearing and acting foolish, wile I held professionalism. When returning the third row seating the owner take them out the truck and locks them away, and tells me Im XXXX  and that Im not getting my belongings until he receives XXXX $ from me He threatens a Lawsuit. I proceed to step outside call my legal representation and am instructed to not leave. XXXX   XXXX XXXX badge # XXXX responds at XXXX on XX/XX/XXXX after being dispatched for a call received from XXXX the owner of XXXX.I awarded all my property and turn over all of XXXX 's. 
Currently Credit acceptance has not been able to get in-touch with XXXX, XXXX has relinquished the title and Credit Acceptance has a  lien on it. I am being held responsible for a car loan and Payment for a Vehicle that XXXX Illegally Has for sale on there website showing inaccurate Mileage. Credit Acceptance is holding me responsible for the payment. XXXX XXXX XXXX is conducting illegal business in many ways, not holding up to do-diligence, and the Active car loan on my Report has cost me thousands and dropped mine and my co-signers Credit score. 
They are in the process of actively attempting to commit fraud by keeping the Financed XXXX $ and resell the vehicle with out proper 10 day notification of sale of the vehicle i currently am responsible for and have legal ownership of, all at my expense. 
As of XX/XX/XXXX I still do not have possession of the vehicle and have lost almost 30 days of work and income because of not having a means of transportation.
I have noticed that Experian Credit Bureau continues to incorrectly report on my credit report that over or within the past year ( 12 months ) that Experian continues to list on my report 1 missed payment of which is inaccurate and untrue. I have yet to know the name of the company that Experian is referring to and thereby am having difficulty understanding why they are still listing an account that they are claiming that I have been late or missed a payment with.
They are calling the above number about XXXX4 times a day. When I finally answered and requested the name of the creditor they would not let me know. They asked me to verify my address which I would n't due to issues regarding previous issues with my identity. The number they are call is not a number that I would use regarding any credit card or loan that I would take out it is a second line in my house that I use for my business. Also I have never received any notices in the mail regarding the debt they are trying to collect. If they have mailed notices they obviously went to the address that is using my name and therefore this is not my debt.
I have been unemployed since XXXX. Navient called me everyday and sometimes three times a day to collect. They kept giving me forbearance and reporting my loan delinquent. This occured between aprox. XXXX thru XXXX. I now have income driven repayment. I did not even know about this nor did they ever offer it as an option till XXXX. 
My credit is now ruined because of this.
Upon looking at my credit report ( XXXX ) i noticed that transfinancial co. added a debt to my report that was in fact already reporting. Therefore they duplicated the same debt. Causing my credit score to drop significantly. I have also sent them a certified letter stating that i would like debt validation from them not verification and have yet to receive a response.
I am writing to let you know that Equifax is violating the Fair Credit Reporting Act because they have failed to remove an item on my credit report that is in dispute. I previously disputed a collection with XXXX, account number XXXX because I was n't sure what the account was for. Equifax was the only credit bureau to verify it, as XXXX and XXXX deleted it. But I did n't have time to file another dispute because I am in the process of getting a mortgage and the statement of this item being in dispute needed to be removed. I am not sure why Equifax removed the statement of being in dispute on XXXX other accounts, but not this XXXX. I even called in and they gave me confirmation number XXXX and to call XXXX XXXX XXXX XXXX to check on status. Now when I checked my credit report, the statement of dispute is still on there.
I opened a checking and a savigns account with Chase on XXXX. I deposited a check of {$15000.00} ( from XXXX XXXX XXXX with owner 's name XXXX XXXX ) to the checking account ( account no XXXX ) on XXXX XXXX and another check of {$15000.00} ( from XXXX XXXX XXXX XXXX with owner 's name XXXX XXXX XXXX to the savings account ( account no XXXX ) on XXXX XXXX. The funds were made into both accounts. However, I received a letter from chase that they closed both of my accounts and a check of {$330.00} was sent to me on XXXX XXXX. I was told they could n't verify the senders ' information and will withhold the two checks of {$15000.00}. 

The checks are written by XXXX XXXX ( my daughter in law ) and my son ( XXXX XXXX ) who live with me in the same address in US.  Chase was telling us that they could not reach them to verify the information and chase does not reject the checks or return the balance to me. The only option I have is to go to a branch with them together to verify the information and get the funds released. However, I am living abroad right now and not planning to visit US in a short term. I would need the funds either sent to me or sent back to the senders. However, chase does not give us the option.
Hi, I am filing an erroneous credit card payment delay to Macy 's. 
I signed up for Macy 's credit card in the store and made purchases ; however, I never received either the bill or my original card, until Macy 's called. I immediately made payments over the phone. 
Today, I found out that my credit dropped by XXXX points because of a late payment. There is no way I could have avoided the delayed payment because I never received the bill. I called and spoke with Macy 's customer services, and they agreed with the situation. However, I have a problem connecting Macy 's with the Credit Beauer. I want to be a happy Macy 's customer again, and please assist. 

My information ( no credit card info because I never received the card ) : Name : XXXX XXXX Last XXXX Digit of Social : XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX . XXXX XXXX, IL XXXX
IN REGARDS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I HAVE EXPLAINED COUNTLESS TIMES TO EQUIFAX THAT I HAVE NEVER DONE BUSINESS NOR HAVE I HAD A CARD WITH THEM THAT IVE I APPLIED FOR AND I AM A VICTIM OF IDENTITY THEFT AND FORGERY HAS BEEN COMMITTED. THEY CONTINUE TO KEEP REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT WITH OUT INVESTIGATIONING THE PROPER VALIDATION OR VERIFICATION OF THE ACCOUNT IN QUESTION. IF THIS KIND OF UNLAW BUSINESS PRATICESS THAT BREAKS THAT BREAKS THE FTC LAWS CONTINUES I WILL BE FORCED TO FILE SUIT FOR EACH INFRACTION BROKEN IF THE ACCOUNTS ARENT REMOVED AND THEY DO NOT CEASE AND DESIST AND REMOVE THE NEGATIVE ACCOUNT FROM REPORT. I WILL BE CONSULTING WITH A CONSUMER LAW ATTORNERY ON THIS MATTER.
I have a My Best Buy credit card issued by Citi Bank, N.A. Last week, I noticed a {$13.00} charge for " XXXX XXXX Insurance Fee. '' I never signed up for XXXX XXXX Insurance and I 've been charged for it every month since XXXX XXXX, 2014. I called the My Best Buy Customer Service and told them that I never signed up for this service. I told them I wanted to cancel it and that I wanted a refund. Best Buy Customer Service cancelled the service, but refused to issue a refund. I never agreed to pay for this service, so I should n't have to pay for it. These unauthorized charges add up to {$140.00}.
On XX/XX/17 I received an email from the collections department of Acima stating that my payment was in default, this email illegally disclosed my debt to multiple third parties as this was a chain email sent to multiple customers and I'm turn disclosed these customers debt to myself, without their permission or knowledge.
My vacation club account went into collection as I have had financial difficulty and have not been able to pay. I contacted my original creditor XXXX and they said they transferred/sold the account to Monterey Financial. 

Monterey Financial told me that I need to pay the full balance, OR that I would be sued, and lawyers will file claim for more legal action and my credit will be severely tarnished. 

I explained I do not have the ability to pay, and XXXX said I was stalling and lying. He stated several times that I am in breech of contract and that I need to pay the full balance, and there were no other options. I asked XXXX if he had the contract, and he said he did not. How can you collect on something stating I am in breech of contract when he does not even have the contract? 

He said he will mark my file as " Refused to Pay '' and continue with the legal process unless I have payment to him by end of this month XXXX/XXXX/16. This is the first time I spoke to him on XXXX/XXXX/16! 
I do not have the full balance, can not even get credit and I said I could n't afford that. XXXX said the only option is to pay the full balance. How is this not predatory? I am getting charged fees, high interest and more fees and then I have to pay the FULL balance? I have not received any letter from the collection agency, detailing any information either. 

What is not even clear to me is if I pay the full balance, do I even get my vacation club status active? It seems they are closing my account fraudulently, as I owe a significant amount less than what the value is on my vacation property.
I rented a car from XXXX in XXXX on XXXX XXXX, XXXX. A few days later the car completely stopped running and I had to call a tow truck to have it towed. I paid US {$380.00} for this car that died. I then had to rent another car, which was supposed to be a 4 wheel drive, and when I picked it up at the airport the car was not a 4 wheel drive. I had to wait an additional day to get a 4 wheel drive car, using up 2 days of my vacation. I paid an additional XXXX {$600.00} for the second car. I paid for both cars on a XXXX credit card. 

XXXX told me the car died because I drove through a puddle. This was not at all possible, as the car was FACING the puddle when it died, and I had not even gotten to the beginning of the puddle at all. In addition, when I picked up the second car the XXXX merchant told me I would not be charged anything additional for the car that died. 

On XX/XX/XXXXXXXX charged my credit card an additional US {$3300.00} for the car that died. I disputed this charge with my credit card company on XX/XX/XXXX. Attached is letter I sent in dispute of this amount to XXXX credit card. The credit card company resolved the dispute on XX/XX/XXXX in my favor and I did not pay the disputed amount. 


On XX/XX/XXXXI received a letter in the mail from XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX / XXXX claim No. XXXX The letter claimed I owe US {$3300.00} the letter is attached and states : " recently you requested information to support the creditor 's request for payment of this account. Enclosed is the necessary information for you to identify the account. '' I NEVER requested any information from them or anyone else. 

I called the tel. number on the letter on XX/XX/XXXX The person who answered would only give his first name ( XXXX ), would not give his last name or physical street address of his office. He said he was located in the XXXX, said there was no professional license, then hung up on me.
XXXX XXXX Bank is reporting a 30-day delinquency on my credit report that is not correct. I have always paid account as agreed. The account is currently in debt management which has been paid as agreed. Although the account is closed and in thier approved debt management program, they continue to charge late fees and monthly annual fees. This is wrong!
I have a checking account with Santander Bank, and I received a text message on XX/XX/XXXX alerting me to possible unauthorized transactions on my debit card. I was n't sure if the text was legitimate, but I immediately checked my account and there were XXXX unauthorized transactions. I then called the customer service number in the text message and was connected to the Santander fraud department, who immediately declined XXXX of the XXXX unauthorized transactions. They let me know that the fourth transaction, in the amount of {$50.00}, was already processing and would post to my account on XX/XX/XXXX. Their instructions were to call regular customer service on XX/XX/XXXX when the transaction posted. They also told me on the phone that the security breach affecting my card had happened XXXX days earlier and they were already in the process of issuing a new card, although they had not notified me of this and had left the old card open in the meantime. 

The XXXX unauthorized transaction of {$50.00} did post to my account on XX/XX/XXXX, and I immediately called customer service. They told me they would open an investigation, which would include sending me an affidavit in the mail, and after that it would take a minimum of XXXX business days until they could restore the {$50.00} to my account. I find it extremely disappointing that the bank will not credit back the money when it was the bank themselves who notified me of the unauthorized transaction. 

I asked for the money to be credited back immediately and was denied. I also asked what the bank is doing to protect me from fraud, and what benefit there is to me being a customer with their bank, and was given no good answer. I am filing this complaint because I am still without the {$50.00} in my account, and because I want to warn other consumers about how frustrating it is to do business with Santander Bank.
In recasting my mortgage with Chase, they sent me instructions, which I followed to the " T ''. this was supposed to make the adjustment to our mortgage by the XXXX XXXX, 2016 payment. I provided them with a check for XXXX the minimum amount and 7 days before their deadline. Chase then misplaced my request and did not send the paperwork required by them. BY the time I called this to their attention, they sent the paperwork about a month late, and therefore, the recast did not take place until the XXXX, 2016 payment date. I am requesting a refund of the extra {$730.00} in interest their negligence cost me. They have continued to deny my dispute and dismissed it without notifying me.
I was contacted by XXXX XXXX XXXX license # XXXX he said he was a lawyer representing XXXX XXXX in XXXX, XXXX XXXX and stated that my cel # was chosen as a XXXX place winner for a promo for the new dealership. I did not provide personal info, except for what he already had which was my full name and cel #, I did give them my address because he said they would deliver my prize personally. He then said that in order to complete the process they needed XXXX for license, insurance, etc via money gram. He said when I receive the car I was to give him the Money Gram receipt that contained the reference # so the money could be claimed ; when I filled out the Money Gram it was sent to a woman named XXXX XXXX in XXXX, RI whom he said was the promoter for the dealership. According to Money Gram 's website when a person picks up money sent to them, they are to provide a valid ID and the reference #. I never provided anyone with a reference #. So, an hour after realizing this was all a sham I went back to the Money Gram store where I made the transaction to request a refund, but the money was already claimed. The woman at the counter told me that not all Money Gram stores are alike, some do n't need the reference # in order to pick up money, they only need the name, tel # and $ $ to claim it. So, I contacted Money Gram I made a complaint and the only info they could provide me was with the city and state where it was claimed and that I had to file a claim at my local police station and that they will provide the police with all the information requested. I need help in stopping this sort of thing happening to someone else and have all Money Gram stores change their policies to have everyone picking up money to provide a reference # in addition to a valid ID like a license or passport. Thanks in advance for info or help provided.
Hello, Usbank is n't going to refund this  XXXX  charge. I did not make the charge, my balance SHOULD be  XXXX , instead it is {$69.00}. I 've called and they said it should be fixed and of course nothing has been done to fix it.     Thank you.    XXXX   XXXX   XXXX , GA
I 've been trying to get a XXXX for about 2 years now and Nelnet continues to say they 've never received my doctor 's paperwork I 've send a few times and keeps delaying it. Today they gave me the phone number for XXXX and stated " XXXX does XXXX discharges rather than loan forgiveness so you should call them '' and when I did XXXX stated they handled XXXX discharges for the government and " oversee Nelnet so we can get it expedited ... just sign this agreement that I emailed you for a {$590.00} processing fee ''. I paid the fee and signed the paperwork but my husband overheard and got on the phone and we XXXX asked XXXX several times, with XXXX different representatives, if he fee was a consolidation fee and not a " XXXX discharge fee '' as they had also previously stated several times and when asked specifically if they were consolidating the loan from Nelnet, several times, they said emphatically each time, " No, we are not consolidating the loan ''. When my husband read the contract it mentioned nothing but consolidation so I called them to cancel and they said no problem. I also called the credit card company to cancel the charge, just in case. So, my complaint is that XXXX and Nelnet both were lying to me. Nelnet to get paid the {$25000.00} owed to them rather than process my 2 year running attempt to do so by referring me to XXXX for consolidation so they 'd get paid rather than forgiving the debt and XXXX for lying several times that they were not consolidating my loan and were merely processing a " XXXX discharge which is better than loan forgiveness because you do n't have to pay taxes on a discharge like you would with forgiveness. '' Thank you in advance for your help in this matter.
I have contacted XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX , XXXX and TransUnion immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.
I sent a dispute to XXXX XXXX in regards to account number XXXX and XXXX , Transunion , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX   send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XXXX of XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XXXX of XXXX they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA.
I was told to call and make my payment or schedule payments on the amount owed. Specifically told creditors not to save my bank info and they withdrew amount without my authorization.
I have been trying to have this bloomingdales credit card that DOES NOT belong to me removed from my credit report. I NEVER OPENED UP A CREDIT CARD WITH BLOOMINGDALES. this is fraudulent and I have been trying and fighting with them and the credit burea for over a year and they will not get rid of this account and take it off my credit report. I do not know what to do. this is making me have a low credit score. I recently graduated from college and I can not get any credit due to this being on my account. 

PLEASE HELP ME!
XXXX XXXX filed a {$410.00} debt on my report that is not mine. It has been years since I 've had XXXX and when i left they took the full amount out of my account for my remaining balance. this is a mistake and should n't be on my report.