WillisBack/dataset-financial-user-claim huggingface dataset:
Nissan Motor Acceptance Corporation rewrote my loan in XXXX XXXX. I had to send my signed contract and payment to them by XXXX XXXX, XXXX. I did as directed. XXXX XXXX I was getting calls from collections saying I owe a past due of XXXX and I was told my loan was not rewritten. After speaking to XXXX different people it was determined that my contract was thrown out cause I sent it with the money order. But the contract told me to do so. I was then sent a new contract and had to return it by XXXX XXXX, XXXX with my XXXX payment. I did so even though they started the contract from XXXX instead of XXXX. Now I 'm being told that I have late charges and balance due since XXXX XXXX. XXXX has also reported me late since XXXX when I 've been on time based on the contract. I called the company 4 times in the last XXXX weeks. XXXX mamager said she will call me in XXXX hours after research is done, I was a week and was another XXXX kept me on hold for XXXX + min and no one called me back yet.
I have written  Portfolio Recovery Associates  several letters asking them to verify and to remove a debt that is not mine. In addition, I asked them to provide me with the original contract between myself and the original creditor. In return, PRA asked me to send them additional information to help them verify the debt. It is not my responsibility to help them verify a debt that is n't mines. PRA does n't have any of the necessary paper work to prove this is my debt, yet they will not remove it from my credit reports and they are still trying to collect this debt. In fact, they have even threatened to sue me. The debt is less than a {$1000.00} and the PRA is located in different state than me. Thus, the cost to hire an out of state lawyer would be much more than the {$800.00} that they claim I owe. This is clearly a scare tactic and this company is violating the FDCPA in several ways.
Midland Finance is suing me for a debt I do not owe. They are out of compliance with the Dodd Frank CONSENT ORDER & FDCPA. Midland called excessively and harassed my family and myself repeatedly. They refuse to validate the debt in question, they have no account level documentation showing any use of the alleged credit card, and they used robo signed affidavits in the lawsuit without the appropriate documentation attached. Midland and its attorneys failed to investigate disputes, they sent letters containing the verbiage forbidden in the Dispute Affidavit Lawsuit, attached an unsigned credit card agreement that does not relate to the account, and are relying on a sellers file but no account level documentation to back it up. They have filled out interrogatory questions stating that the original owner of the debt XXXX is not a party to the lawsuit ; they do n't know the documents they reviewed, but use the affidavit as proof of the debt. The bill of sale from the original owner of the alleged debt clearly states they make no guarantee of accuracy it is up to Midland to research and verify. The scant copies of alleged statements do not contain any purchases just a balance with alleged payments and the data in the statements is unreliable the math does not add up. I have brought to the courts attention that they are out of compliance with the consent order and FDCPA but it does n't seem to matter. I have asked numerous times in numerous court documents for an accounting of this debt and they refuse to provide this information. They do not know what comprises this debt yet they insist it is valid. The affidavits they have submitted are misleading and signed from a template with no attached account level documentation. The bill of sale does n't even reference the account in question. Midland has misrepresented that I have the burden of proof in litigation. Possible identity theft has been brought up in this case and they have refused to investigate. They have recourse through their bill of sale to have the credit company buy back the debt. My Credit Report shows I had a XXXX account but it was paid off and closed. Through discovery we asked for their processes and procedures and none of them would reflect the fact that they have changed their practices to better align with the CONSENT ORDER and honor the FDCPA. I am being sued unfairly by Midland / XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX in the state of Washington . Midland and its attorneys are clearly in violation of the Consent Order and FDCPA. This looks to be an intentional mocking of the consent order they signed. It does not look like they have changed their practices and continue to violate the FDCPA.
due to XXXX incompetence and continued corruption im forced to contact this other idotic shopping plaza office having derelict company. it makes no sense that a company is going to wait 4 years to sell a debt or a debt collector like your self to wait 4 XXXX years to start collecting it. no amount of XXXX dollars EVER!!!!! appeared on any of my credit reports UNTIL AND AFTER!!! my information was hacked at XXXX   in XX/XX/2017 I want this fraudulent debt removed from my report and I find it equally repugnant that XXXX so called investigation is just sending your XXXX of a company an email everytime I file a complaint report and everytime you sacks of XXXX say YES ITS A DEBT. well if it is it sure as XXXX isn't mine. im tired of arguing for a XXXX year with incompetent outsourced XXXX at XXXX so time to argue with what im sure is another outsourced XXXX in XXXX about this debt which is impeding me from getting housing. and the funniest thing of all is that even this so called FEDERAL CFPB company is ALSO OUTSOURCED TO XXXX so in total I bet all 3 XXXX  who could handle this matter are in fact just one sack of XXXX in XXXX at some XXXX run down stinky XXXX call center. RESPECT IS EARNED NOT GIVEN and none of you deserve any and demanding it only verifies your narcissism and sociopathic tendencies.
Dear CFPB, this complaint is in response to Experian 's investigation and verification of an public record that appears only on XXXX XXXX Experian credit file that is being erroneously reported as verified by the furnisher, when the original creditor have removed their tradeline and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond. 
Debt collector : XXXX XXXXoriginal creditor : XXXX XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX ext XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.
I was in need of money to make my rent payment and was referred to the attached web address : XXXX As you note. Apr was advertised as 11.36 % Apr on web page attached and used to solicit my borrowing at zero percent interest for 7 days. 

With receipt of funds I am now being told that my APR is in nearly 140 %, I bevel this predatory lending is illegal and believe that it is in violation of the Consumer protection laws recently passed. 

See attached Notice and settlement information I am now receiving from this lender. 

XXXX XXXX The web page in now way describes this loan and appears to be some sort of bate and switch plan to trap consumers in need. 
I believe this is very much exactly what the CFPB has done to protect consumers from such predatory activity. 

My phone number is XXXX XXXX XXXX I am a California Resident and I am unable to pay these usery amounts. 

In violation of the California Constitution Article 13 Usury.
Over and over again this company continuously fails to protect consumers. 

ALL OF THE FOLLOWING IS FRAUDULENT. 

I have contacted this company and patiently awaited replies only to receive nothing. They have on my credit report listed " XXXX '' inquiries. XXXX? That is more than XXXX a month on average. I work in the XXXX XXXX and i am not even off enough during the months to do such a thing. I am sick and tired of my husbands ex wife being able to run my credit without anything happening. I am going to paste a list of inquiries that are fraudulent and i would like them removed. I am in the process of seeking legal action against the person responsible but in the meantime i want equifax to realize these are fraudulent inquiries i mean i do n't have that many accounts on my credit report and the ones i do are shared with my husband. Please remove these fraudulent inquiries. 

Name of Company Date of Inquiry XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
We purchased a vehicle from Ally Finicial and we got behind on the payments, they repoed it once we paid all fees and went got it back and few months later the same thing happened but both times telling us they had rolled payment to the end of the term, XX/XX/2014 got behind again tried tried to work it out they would n't take anything less than XXXX XXXX We were told they took possession of the car back they would sale it at an auction deduct that amount from the balance and send us a letter letting us know how much vehicle sold for at auction and what our balance would be! They have never heard a word from them since its reporting on our credit I 've tried and tried for over year and half to get validity of the bill of sale at auction to verify outrageous amount they say we owe, they never respond, never have yet sent record or anything to my disputes on all XXXX credit reports they blow them off within a day credit reports say consumer disagrees account charged off! Is it not our right to know and have explanation of why a balance of over XXXX grand is on my credit report? Arent they suppose to oblige to my disputes and correspond with me once disputes the validity of my account standing and my dispute? Am I shunned and stripped of my rights because the repairs on the vehicle got to expensive even tho we purchased for extra XXXX $ power train warranty and with XXXX $ monthly payments? Please help me as a consumer to straighten out this huge issue that Ally nor credit companies not make them abide to the laws. Thank you very much
We have had a personal loan through XXXX for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XXXX XXXX, we received notification that the XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XXXX XXXX ) we requested a ONE time credit suppression from XXXX. We feel that our request is reasonable but XXXX is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
I had a judgement on me from XX/XX/XXXX via Chase Bank. Who is now XXXX XXXX. I did not know a bout this and had a closing scheduled on a piece of property in sc. Which was brought to my attention. I could not close due to they would not settle with me. I had contacted the attorney in sc who gave me a a pay off of XXXX Dated .. XX/XX/XXXX.. Then i get another attorney with the same judgement ( transferred to Tennessee ) and they would budge off their total. {$8600.00}. REFUSED to take lesser amount. 

1 XXXX XXXX is not the original debt.. it was chase. 
2 they held up 3 other loans from being paid due to their stance on this. 
3 2 different amount from 2 different attorney for the same debt. XXXX dollar difference in the SAME MONTH.. 
4 original debt was XXXX.
Syncb/Walmart  XX/XX/XXXX opened-XX/XX/XXXX closed XXXX $ I have called numerous times and reported that this is not my account and has been opened by someone else and nothing has happened.
Upon being denied from a lender for " too many inquires '' from Transunion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my   XXXX   credit report that I DID NOT authorize and had no knowledge of. I contacted  XXXX  immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.   1.   XXXX   XXXX    XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  2.   XXXX     XXXX / XXXX / XXXX  3.  XXXX   XXXX / XXXX / XXXX  4.  XXXX   XXXX   XXXX / XXXX / XXXX   5.   XXXX   XXXX / XXXX / XXXX   6.   XXXX   XXXX / XXXX / XXXX  /i am currently waiting for the other  XXXX  credit bureaus to respond to my request.
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ;.     XXXX   XXXX    XXXX  - Wrong balance, I have paid it down.
My husband took money out of his retirement account at Wells Fargo and they gave him a cashiers check. He walked to the teller to deposit into our checking account and apparently they have lost that cashiers check. This has been going on for a week. He calls the bank and they admit the error but will not deposit the money.
I have repeatedly asked for a bill which they send rarely. So a rep calls and tells me my payment is XXXX. I pay XXXX for 2 months but still get charged a XXXX late fee both months. I call and another rep says my bill was XXXX a moth so i was charged a late fee for the XXXX. I explained what he told me. She said sorry. Again, no bill for the 3rd month but a late fee. I asked if it was n't my fault and because their rep gave me the wrong info and they wo n't send me a bill, thats XXXX in 3 months. They have even locked my card over a XXXX payment having me go the bank to show my ID. My credit limit was XXXX and my bill was only like XXXX. But because I had n't used my card in a while. Its always some kind of fee. So how many people are they charging late fees to without sending you a bill!
I had inadvertently sent an overpayment to US Bank which I requested a check refund. Instead of honoring my request or inform me that they could n't, they sent the payment back to my XXXX which they ca n't find the refund. US bank has requested a trace number but it 's meaningless to the bill pay provider. Now I 'm out of {$680.00} due to US bank 's oversight and lack of due diligence.
this is an addition to a complaint I filed with you few days ago. Apathaker XXXX ( handling judgements against me ) has offered a written in stone proposal that I pay $ XXXX/mo for 24 months. I am a XXXXyo XXXX veteran on a fixed income and can not possibly meet this arrangement. I have an agreement to satisfy another judgement with the same attorney. I have been paying $ XXXX/mo. I recently learned that in spite of my arrangement this attorney plans to garnish my bank account. How can I honor the agreement if they plan to take my money????
On XXXX XXXX 2015 I sent disputes to Equifax regarding several unknown medical collections on my credit report including XXXX that appeared to be a duplicate. I contacted the collection agencies for validation, per Equifax 's instruction after receiving results that Equifax verified all collections. 

XXXX of the collection agencies that has XXXX unknown medical collections on my credit report are both unknown and unverifiable as the address listed on my Equifax credit report is not a valid address. 

The other collection agency that has XXXX unknown medical collections did not provide validation as requested either after receiving my disputes and request for validation. 

On XXXX XXXX 2015, I re-disputed the same collections with Equifax and sent proof that the XXXX collection agencies address was not a valid address, and that I sent the other collection agency a request for validation, Equifax once again verified all of the collections and refused to properly investigate which is violation of the FCRA and the XXXX. These entries are my credit report have affected my approval for a mortgage and are damaging to my credit report. 

I am requesting Equifax delete these collections as they have NOT properly investigated nor have the collection agencies provided validation. Attached is the proof from the XXXX collection agency who 's mail was returned. 

Thank you, XXXX XXXX
I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED AS EXTRA POINTS VISA. THE STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT GET MY LAST MONTH STATEMENT TILL TODAY. I REQUESTED THEM SEVERAL TIMES. BUT I HAVE NO RESULT. THE CUSTOMER SERVICE OF THIS BANK IS HORRIBLE.THEY HAVE NO RESPECT FOR CUSTOMER. THEIR CUSTOMER SERVICE IN XXXX IS VERY BAD. THEY TREATS AMERICAN CUSTOMER LIKE A DIRT.
I logged on to my bank checking account this morning and found a miscellaneous pending charge. When I called the bank to find out what this charge was, they claim it is a check that was submitted and since my account went negative that it was it was pending to see if would be paid or returned. Huntington has my account set up to pay any overdrafts and then I have the 24 hour grace to put funds into the account before I would be charged a fee. Huntington said they could not tell me who this charge was from and that this was a new policy that was implemented this week. I told them that I did not write a check for this amount and I needed to know who was trying to take the money out of my account and they refused to tell me.
To Whom it May Concern, I successfully opened a checking account with Wells Fargo Bank in  XX/XX/XXXX and was allowed to make an initial deposit of {$50.00} online. At the time, Wells Fargo was offering an account opening bonus of {$250.00} and there was a minimum balance of {$1500.00} in order to avoid a monthly service fee. I mailed a check for {$1500.00} that same week in order to bring my balance over that threshold.
A couple of weeks later, my check was returned to me in the mail with a note saying that I needed to go into a branch with a photo ID to verify my identity. The closest branch is 1 hour and 22 minutes from my home -- nearly a 3 hour round trip drive. I called to inquire as to why my check was returned. I was told over the phone in   XXXX   that I could re-send a check for my {$1500.00} deposit. On  XX/XX/XXXX , I wrote a second check and mailed it out the next day. I never received any further notice about this deposit.
Recently, I received a statement from Wells Fargo showing that my account balance is only {$30.00} as of  XX/XX/XXXX , when a second monthly maintenance fee of {$10.00} was charged to the account. It appears that they never deposited my second check for {$1500.00}.
I called today,  XX/XX/XXXX  and was told that the only thing I can do is appear in person at a branch. Despite my pleas for understanding that the drive to a branch is an undue burden, the bank refused to speak with my about the account and told me that they could not answer any further questions. They hung up the phone on me.
At this point, it appears to me that Wells Fargo did not open this account in good faith. My impression is that they never intended to allow me to deposit and rather were looking to steal my money in the form of monthly maintenance fees. I 've been told that I can not even close my account over the phone. Effectively, the bank has told me that they will continue to debit my account to {$0.00} unless I drive 3 hours round trip to prove that I am me. As a business owner with excellent credit who has lived at the same address for almost my entire life, I ca n't believe that Wells Fargo has had any difficulty in identifying me. They could easily   XXXX   my name and verify every piece of information I have provided as to my knowledge I am the only person in the entire United States with my name and I do own a sizable business in the hometown I have lived in since my birth in  XX/XX/XXXX . Furthermore, if they could not verify my identity, why would they have let me open an account and make a deposit? At this point, the only answer I can surmise is that they intended to take advantage of my distance from a branch all along. I wonder how many others ' accounts they have pilfered under the guise of " not being able to verify identity ''.
I was unfairly charged a fee on an account that I twice tried in good faith to deposit money into in order to avoid a fee. The bank has refused to speak with me over the phone. Please help me compel them to at least return my money -- including the {$20.00} in fees that they have attempted to steal -- and close my account.
XXXX Card debt currently in collection with Transworld Systems , Inc. Current Balance Due : {$6500.00} however ; Federal Tax garnishments ( paid ) were never applied to balance:XX/XX/XXXX= {$1400.00} ; XXXX {$1600.00} ; XXXX {$570.00} ; XXXX {$1000.00} ; XXXX {$680.00}. Total garnishment= {$5300.00} highest balance on card {$5200.00}. Transworld amount due is incorrect. Also transworld is adding Collection Charge and interest totaling {$2900.00}. XXXX XXXX # XXXX Debt collector may not collect any interest, fee charge or expense ...