WillisBack/dataset-financial-user-claim huggingface dataset:
I have leased XXXX XXXX XXXX with Toyota financial services I bought gap insurance with them as well In XXXX I got in accident and my insurance company paid off the balance and a small balance left which gap insurance was supposed to pay ( it is a Toyota company paying another Toyota company situation and I have talked to both of them 20 times maybe ) Gap insurance company wrote a check in XXXX but in XXXX Toyota financial hit my perfect credit history with charge off It says paid now but now I am trying to buy a house and my credit score is lower than what it should be I just want them to remove charge off which is the mistake of their own company Called them many times called credit report companies and nothing happened
XXXX XXXX XXXX in XXXX Florida fined me excessively for late payments. Members who are late on paying can not use the gym. The gym fines iare well in excess to the amount of services I agreed to pay for, but also never used. Its absurd to expect someone to pay for services that were never rendered, it is even more crazy to fine people to purposely inflate the cost and use their credit school to hold them hostage. The gym sought to excessively profit off my misfortune through a predatory contract scheme that allows them to not only charge me for services that werent rendered but to charge me excessively. I reached out to MG Credit Corp to settle the account for a reasonable sum, they declined. On X/XX/16 They XXXX offered me a chance to pay off the membership balace {$190.00} ( I did n't have a job so I could n't ) On XX/XX/2016 that had grown to XXXX Now it 's over {$500.00}. This is absurd.
On XXXX XXXX, 2015, Nationstar Mortgage executed and recorded a fraudulent instrument ( ASSIGNMENT OF DEED OF TRUST '' ) in XXXX County Texas Recorder 's office declaring they were assigning a deed of trust on behalf of Assignor-Countrywide Home Loans, defunct entity, as attorneyin-fact to XXXX Assignee. 

On XXXX XXXX, 2015, Nationstar responded to a QWR via a CFPB complaint declaring they were servicing the note on behalf of XXXX the assignee of the Assignment. The recorded instrument contradicts this reply and is fraudulent and false.
In a chat conversation with  XXXX  who requested to do  a credit-check  ... I said yes to a soft-inquiry, and very clearly stated NO to a hard-inquiry.  XXXX  performed a hard-inquiry without my permission. Attached is the online chat session with specific instructions to  XXXX  NOT to perform a hard-inquiry. I want this hard-inquiry removed from all credit-bureau 's.
Back in XXXX of XXXX, when the XXXX breach hit the nation, Equifax offered a year of free monitoring. I signed up for this offer. On Saturday, XXXX XXXX, XXXX I purchased a new vehicle. Later that evening, I was informed by the dealership that they could not process my loan due to a freeze that Equifax has on my credit. I logged into the TurstedID/Equifax website, and found step-by-step instructions to lift a freeze. Upon submitting my request, I received a notification that it would take 24-48 hours to lift. Monday, XXXX XXXX, the dealership contacted me again and said the freeze was still in place.I logged into their site, and there was a notice that said the request failed, and to contact Customer support XXXX. I called the number and they informed me that they could not lift the freeze and gave me a number to XXXX ID, who could. I called TrustedID, and they said they could n't lift it, and sent me back to Equifax. Between Monday XXXX and Tuesday XXXX, I spoke to 6 different representatives between TrustedID and Equifax. No one knowing why this freeze was unable to lift. Finally, late Tuesday XXXX XXXX, I spoke to an XXXX ( XXXX # XXXX ) at TrustedID XXXX he said he got all the way to the end of deactivating my freeze, and said it would n't go through. Told me to contact the XXXX Department of Equifax. I called them XXXX XXXX XXXX and they informed me they could not do anything to fix it, and submitted a ticket to escalate my issue. They informed me the process will take 7-10 business days. As of today, XXXX XXXX, my credit is still locked with no updates and the dealership still can not process my loan with this lock in place.
There is an account listed on my credit report from Experian, XXXX XXXX XXXX XXXX XXXX. that is listed as being discharged through a bankruptcy that Experian swears I have and refuses to investigate the validity of it. The XXXX account was never discharged through a bankruptcy and Experian refuses to change the status of this account. They are completely disregarding my rights under the FCRA and the CFPB will not assist me in these matters. I recently filed a complaint again about Experian refusing to provide me the proof they have of a bankruptcy in my name and the CFPB marked it as a duplicate and closed it. The XXXX account was never included in any bankruptcy and there should not be a bankruptcy listed on my credit report!!!!!!!!!!!!!!!!!!!!
Hello, I purchased a XXXX Prepaid Visa debit card at XXXX on XXXX XXXX, 2016. Then I paid for a value of {$500.00} to be entered into this same card - payment was not w/ another credit card or a cheque but w/ cash. The XXXX clerk who sold me the card, said my card was activated as she handed me my receipt & the receipt also states that the card was activated. 

However, I think less than an hour after buying this card, I tried to use it - but the card did n't work. Seeing that my card did n't work, I went to XXXX to get my money refunded, only to learn that they would instruct me to call a toll free # XXXX. When I called to get a refund, I was told ( I think this was less than 2 hours after I bought the card ) I would have to scan & then send a copy of : the purchase receipt for the card, a copy of a utility bill w/ my name on it, my passport, a letter stating I want a refund, as well as front & back pictures of said card to I believe their Fraud Department, which I would eventually do, exclusive to the copy of the utility bill. Further, I was informed it would take at least 1 month for my refund cheque to be sent to me ... that 's it would take 1 month to get my money back from a simple cash transaction & I would still be getting a cheque at that. 

I 've sent this company all the required scanned copies of what they 've requested, except a copy of a utility bill w/ my name on it because I do n't have XXXX. I 've been in contact w/ this business via their toll free number & XXXXXXXXXXXX but The last email I received from them was XXXX XXXX, 2016. 

My case number for this matter that the firm assigned to me is XXXX & an earlier number they gave me is XXXX. 

I 've been directed to these websites : XXXX XXXX : XXXX? XXXX The reason I 'm contacting your office is twofold : I would like a complete refund for this card which I 've never used to make a purchase - which has never worked - that still has {$500.00} credited to it. Furthermore, I 'd like to file a consumer complaint against this company as well as XXXX, as they provided me no warning for the possible pitfalls in purchasing this debit card. 

I 've now waited more than 4 months trying to get a refund, spending hours writing emails, paid money making phone calls contacting them, etc. Given that this is a matter of an ordinary cash transaction, this has become quite simply - the most disgusting experience I 've ever had w/ a company as a consumer in my entire life, anywhere in the world. 

Could you assist me? 

Regards, XXXX XXXX
On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the Emergency Room, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX  with a Spend-Down of {$970.00}, since they were the ones who provided me with a copy of my XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my Spend-Down and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX Spend-Down means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX Step-Down of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX Step Down of {$970.00} on it with the balance to be paid by XXXX. 

What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.
I had a loan that was charged off over5 years ago due a medical issue that forced me to retire very young. The company who held the loan is XXXX XXXX XXXX XXXX in California. 
On my creditreport it still shows a balance and late statusevery montheven though the account was closed and charged off over 5 years ago I believe thisis impactingmy being able to get a new home equity loan
I 've recently began the process of purchasing my first home for my family. Upon retrieving and reviewing my credit reports, I 've noticed 2 collection accounts listed from Portfolio Recovery Associates. After researching this company on the Georgia Secretary of State website, I 've discovered that Portfolio Recovery Associates is not licensed in my state. Also, I 've never had any contractual agreements with this company. The unlawful collection practices and negative reporting of Portfolio Recovery Associates is extremely detrimental to my home buying process, which is causing major delays. This reporting is preventing me from purchasing a home for my family. We are on the verge of being HOMELESS. I 'm truly disgusted!
Navient is reporting that i made payments to them when i did n't. They are also saying that i was late on a payment that was recently made. Which i never made a payment. They restarted the clock on my account, so now the SOL has restarted. I am also in school and all of my school loans are in deferment. This loan should still be in deferment until XXXX 2017. They keep raising the interest on the loan which is making it 10 times harder to pay it off. They did not notify me that they were putting that i made any payments and they are harassing me every day calling me about loans that i owe, that should be in deferment. If you were to look at my other school loans, they are on deferment. i want them off my credit report because they are reporting false information and i am trying to rebuild my credit and this is not right to report that I 've made any payments just so they can restart the clock on my account and i now have to wait another 7 years. i never made a payment because my loans are supposed to be in deferment just like my other school loans. The loan is three times the amount of the loan that it as originally.
I have been paying my Car payments on-time and within the agreed terms before XXXX of every month ( XXXX XXXX allows 10 days gace period ) as agreedtowards my Car payment to the XXXX XXXX XXXX. 
All the XXXX credit Bureaus ( XXXX, Equifax & XXXX ) have been reporting between 10-14 late payments ; although I have PAID -IN TIME. 
Kindly take necessary action againist all the XXXX bureas
It all started sometime back in XX/XX/2013 when I was a loyal and good customer of 3 banks  : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , & XXXX XXXX. I had my bank accounts at the three banks including my 3 checking accounts that this complaint is in reference to. On the same week in XX/XX/2013, a very small mistake was made at the 3 banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. The same happened at XXXX XXXX XXXX. Before I was able to return back to XXXX XXXX to resolve the issue, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Early Warning Services. I have resolved the issues with all 3 banks and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Early Warning Services to remove the negative reporting. I also sent these letters to Early Warning Services as proof. Early Warning Services has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Early Warning Services has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Early Warning Services database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My XXXX XXXX has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Early Warning Services. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.
Dear Sirs, I received a letter from a debt collector stating that I owed {$1200.00} for an emergency room visit. I sent a letter requesting further information which included all the elements in the template provided by the CFPB. The response that I received did not provide me with all the answers that I requested and further was ambiguous regarding whether I owed any money and why. My only recollection of this potential debt is that it may be for an XXXX visit at XXXX XXXX medical Center however I was fully insured at the time and further paid the {$250.00} copay that was required of me at the time. I do not understand why more than 2 years later, I am requested to pay a debt that if valid was supposed to be paid by the medical insurance plan.
This is re : Wells Fargo & their fraudulent business practices!! A short sale & reverse mortgage on a house in NY has been in full contract since XXXX XXXX ; The Broker has had it on the market for sale since XXXX XXXX ; after the owner passed away ; Finally getting highest & best offer. The Executor has accepted the offer & given the Broker authority to take care of everything. The lawyer for the seller & Broker have sent all docs ; executed contract, HUD, proof of funds, letter of intent to Wells approx. ( 17 ) SEVENTEEN times since XX/XX/XXXX!!! -to which Wells has not EVER responded in a timely manner to the Broker ; '' claiming '' they have not received a doc. to a doc has expired & needs to be updated. XX/XX/XXXX- they told the Broker " any day now '' a " letter to close '' should be faxed & mailed to her-to NO avail-to date!!! This is a disgraceful, unjust debacle on their part against a very patient " consumer '' who has already spent well over {$1000.00} to lock in a decent rate from his bank! To boot- they have sent a " notice to foreclose '', which the Executor is not interested in doing- This is a short sale since XX/XX/XXXX!!! As well, Wells Fargo has changed Rep 's on this file ( 7 ) seven times w/ each not knowing what is going on. The inability for this bank to get this done is absurd!! This is a short sale w/ a ready, willing & able family man who has made the highest offer ; waiting since initial offer was put in XXXX XXXX & contract completed XXXX XXXX. To say that the buyer- ( consumer ), lawyers & I, the Broker are furious and irate at the conduct of Wells Fargo 's bad business practices, fraud and lies is an understatement!!! PLEASE get us a " Letter to Close '' on this house which is deteriorating by the month. This is all the buyer has been waiting for ... PLEASE..PLEASE
My mother called lending club because they needed to verify some info before finalizing the loan. When a representative answered I asked her if there was someone who spoke  Spanish for mother. The representative said no and then I explained that my mother does n't speak English and if I could translate for her. The agent went on to explain that she only needed to ask some questions in English. I then proceeded to tell her how could a company have no one that speaks Spanish for non English speaking people. And that no where online or in the loan process says that English must be spoken for the loan. I went on to explain to her that the company was being Biased to my mother for not speaking English.
I had something showing up on my credit report from Central Financial Control but never received any notice from them. I sent a dispute through the credit report and it said to contact them, they wanted my Social Security Information, my address, etc. I asked them who the debt was with and they said XXXX Hospital. I told them that I was only seen there once in XX/XX/2014 and gave my HSA card. The girl said the debt is from XX/XX/2014. I asked them to send me verification/validation of the debt and she said no to fax a request in. I explained I never received any debt validation notification, I then said I disputed the validity of the debt. I have written them with no response. I asked when they originally sent me the notice of right to dispute this debt, she said she could not tell me that. yet this is on my credit report and I feel they are affecting me and causing me harm. This is an old debt. When I call XXXX they referred me to syndicated office systems, who referred me to Consumer financial. I have had the same address and phone number for 13 yrs. I asked them to mark my account as disputed and will be faxing a demand to remove from my credit report.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it while doing other things online.
Please see attached documents I have never authorized OneMain to conduct a credit inquiry on my credit report. I have sent letters to OneMain demanding validity of their conduct per FCRA regulation but they have refused to act in accordance with the law. 

OneMain continues to send the same response ( changing just the date of receipt ) and blatantly ignoring the requested information per FCRA XXXX ( a ) ( XXXX ) ( A ) and FCRA XXXX ( c ).
Wells Farg o Car dealer services is very annoying with the frequent phone calls throughout the day. I am only 13 days late and they are frequently calling my phone 4-6 times a day like I am 3 months past due. I have a another vehicle in my name and that company do not even call me when I almost 30 days late. They would send a friendly reminder txt or email. Wells Fargo Car dea ler services is out of control with telemarketing/debt collector calling. Today  XXXX  they call me four times and my loan not even 30 days late. Then they do n't leave a message when they call. I 'm working throughout the day to be accepting their phone calls. It 's very annoying!
I submitted disputes on my credit report with XXXX, Equifax and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.
XXXX in XXXX, MD. XXXX sometimes use CareCredit to finance their procedures. CareCredit is owned by Synchrony bank. Over a year ago, XXXX. Last month, this XXXX filed a fraud claim ( worth {$8100.00} ). I was asked by CareCredit/Synchrony bank to provide documentation proving that the XXXX. The following week, I received a fax from Synchrony bank stating that I did not provide enough information and that I would lose the {$8100.00}. XXXX I tried to call CareCredit and Synchrony bank multiple times to see what I could do in order to resolve the problem so that I would not lose the money. Unfortunately, we were placed on hold, hung up on, and transferred everytime we called. I spoke to XXXX in the CareCredit fraud department and she could not help me. I asked to speak with the manager. XXXX told me his name is XXXX and that she would give him a message to call me, but I never heard from him. Finally, I did reach a manager, XXXX, who basically stated that the decision has been made and there is nothing I can do about it. This is very disheartening since XXXX, I XXXX and I will end up losing a lot of money. I feel like the faud victim now. Please help me find a solution to this problem. Thank you
I have a late payment noted by XXXX on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.