WillisBack/dataset-financial-user-claim huggingface dataset:
I received an email from XXXX XXXX regarding an application for vehicle financing which I never applied. I sent a request of specific reasons for denial. They sent a letter dated XX/XX/2018 to send a letter to their Finance Director with  address on letter which I complied. The letter was returned as not unable to deliver. I am concerned as how they obtained my social security number or address. 
I only tried a lender in Texas and then eventually returned to dealership for their assistance to purchase my car at end of lease. I would like to know how this company obtained financial information without permission. Also, is the company fraudulently requesting information? Their inquiry wreck my credit worthiness and cost me a higher loan rate.
In XXXX of this year I made an bank '' payment to American Express for the amount of XXXX, ( XXXX ). On XXXX/XXXX/2017 AE made a demand for payment to my bank, ( XXXX ) for XXXX, ( XXXX ). The amount on deposit would not cover the demand and payment was rejected by my bank. On XXXX/XXXX/2017 my XXXX bank account received a debt Reversal of ( XXXX ). On XXXX/XXXX/2017 I was charged XXXX dollars, ( XXXX ) for Returned Item. On XXXX/XXXX/2017 American Express retried to withdraw ( XXXX ) from my account. On XXXX I initiated a Stop and Hold on American Express, ( cost {$35.00} ). On XXXX/XXXX/2017 AE again retried to obtain payment of ( XXXX ). I have made numerous calls to the AE Customer Service Center in effort to straighten the problem out, after admitting an error on thier part AE sent me a check for, ( XXXX ) in payment for funds that were never withdrawn from my account due to lack of funds and a Stop and Hold order. I called thier Customer service Center and explained to them that since no payment was made by me they do not owe me any money ; I then asked them how they wanted the check handled, they advised me to return or destroy it, I shredded the check and advised them that it had been destroyed, I thought that was the end of the matter. No I am still receiving demands for payment for XXXX, ( {$10000.00} ). They just do n't seem to get it and as a result are damaging my excellent credit rating
I went to purchase an auto with XXXX XXXX XXXX NY XXXX XXXX on XXXX On XXXX on my credit file there were another 4 inquiries from different creditors that I did not give authorization to run credit reports on me. Inquiries are held for 2 years and they affect you credit score. I did not give all this institutions any signatures for them to do this.
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX
JP MORGAN ATTN : XXXX, ARE YOU TELLING ME THAT YOU WERE TRUSTEE TO MY MORTGAGE? XXXX? I DEMAND ANSWERS AND IN WRITING
In XXXX 2013, in signed over my property to Lender Nationstar Mortgage. I was told that I must vacate property which I did. I continued to get utility bills and contacted lender. They had no response to my concerns of these bills. after a year they informed me that the DIL was still in process. I asked about the bills but they had no answer for a. After I contacted consumer affairs, the lender sent me a letter informing me to destroy the bills coming in. Another year past and they informed me they needed verification that federal liens were lifted. I sent several copies showing liens were lifted. My case went through several agents and each time I felt like I was starting over. XX/XX/XXXX I rceived documents that the property was being foreclosed but all along I was being told the DIL was still being processed. In addition, the utility bills were still coming and now I have a XXXX within the County were house is located.
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask NMAC ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that these 2 unauthorized inquiries that are associated with NMAC ( Nissan Motor Acceptance Corporation ) are still currently reporting on my XXXX credit file. Moreover, on XX/XX/XXXX, NMAC has sent me a written letter in which they responded to my CFPB complaint. This NMAC letter, which is also uploaded into this CFPB complaint file, has shown that NMAC is unwilling to take the appropriate actions that are necessary to promptly resolve my recent CFPB complaint. This letter has also shown that NMAC has ultimately decided to NOT take any responsibility for their improper actions and has therefore chosen to dishonestly place the blame on an " unknown '' or " phantom '' Nissan dealership yet my credit report clearly shows that this NMAC organization is the " only '' agency that is fraudulently reporting 2 inquiries on my credit file which are on the 2 dates of  XX/XX/XXXX and XX/XX/XXXX. Ultimately, an uploaded copy of my XXXX credit report will corroborate this fact and it will also show that NMAC is " complicit '' in their corrupt and unlawful tampering of my credit report.
On X/X/17, Transworld collection agency called a random contact from my cell phone. This contact was a friend who is in bed with XXXX. This debt was not valid and was waived supposedly by the original company. Should not have even reported in the first place. However, Transworld called multiple times a day on my phone and my husband 's phone. They used many different phone numbers, that were untraceable, and could not be called back. When I ask them about the friend that they use to track down, they said they used skip tracing, and will not transfer me to a supervisor or manager. This is illegal, and we were harassed for three months by Transworld.
I took out a loan with Rise credit for XXXX when and submitting the paperwork - it stated the estimated payment would be XXXX every two weeks. I have now been told that the payments are fluctuating because that first payment was only one day of fees. That was not disclosed and is completely unfair. I cant possibly afford fluctuating payments like this! 

I attempted to talk to there customer service department and there collection department, they only explained the payments fluctuate. What I want is to pay the XXXX every two weeks without compounding interest. 
From what rise is charging on a XXXX loan I would pay back close to XXXX - I need help and if I pay the XXXX every two weeks I will never get out of the hole the are putting me in. 
This company is robbing people!
I have banked with US Bank for over 20 years. This is not my primary account so I do not monitor it regularly. I keep it open only for longevity and have prided myself on perfect credit until now. I set up a premier line attached to the account in the case of an oversight in the beginning and I have a U.S. Bank XXXX which I have used and never had a problem. On XXXX XXXX the bank must have done an electronic purge for idle accounts that has no human intervention. My previously free account had now been charged a return check fee even though I have n't written a check in over 5 years. This activated the premier line that advanced {$15.00}. When I received the notification I went to the bank that very day and signed a form showing that I needed the account deactivated and giving the bank permission to correct the error. I deposited more funds to the account just to be safe and they said I had nothing to worry about. No sooner had I left the bank they called me asking me to come back because they needed a copy of my drivers license and I obliged, signed yet another form and I left the bank relieved. A month later I received another statement that showed I still owed {$15.00}. I hurried back to the bank, told them what had happened and this time directly paid the {$15.00} myself. I then called the credit card company who was of NO help at all. They said I would have to dispute the matter with XXXX, which I did. During the dispute process I discovered not only had they refused to recognize this was an error, they hit my account with a {$50.00} maintenance fee and late fee on top of that. I did not receive a credit card statement to let me know. To add insult to injury the credit report I got back noted I had " poor performance '' and they lowered the credit line on the account. This is a very, very old account that has had literally no activity on it to constitute " poor performance. '' I am so disheartened to see that my bank has no power to fix this terrible problem by reaching out and just saying, " hey, our system goofed and we do not want to lose this good customer who has loved us until now, please fix this for her with our apologies. '' It 's not about the money for me at all it is about integrity and principle and being fair. I 've paid everything they have asked for and it scares me that this could easily happen again. I would close all my accounts but I 'm just not that type of person. I diligently try to work things out with the best of intentions.
My current lender, Great Lakes, told me that the loans I 've had for almost 20 years ca n't be considered for REPAYE status. I kept getting bounced back and forth between Great Lakes and StudentLoan.gov without getting anything resolved. Great Lakes says I can sign up for REPAYE but the clock will be XXXX and only by XX/XX/XXXX will I qualify for REPAYE! Really?? I 've been paying on these loans since XX/XX/XXXX!
On XXXX XXXX, XXXX, I applied for home refinancing online with Americash. The loan officer said that if my loan is approved, it would take no longer than 45 days to close the escrow. I submitted all the paperwork they requested and I paid {$39.00} to send the documents by XXXX overnight on XXXX/XXXX/XXXX. The loan was approved a week later and more documents were requested which I promptly provided. I was approved for {$510000.00} to pay off my XXXX mortgage, my second mortgage, and my student loan payable in 30 years at 4.25 % interest. On XXXX XXXX, XXXX, the loan officer said that my debt to income ratio was too high and that I would need to have a co-signer for the loan. My daughter agreed to be a co-signer. The loan officer also modified my loan to pay off {$6000.00} that I owe on my credit card from the previous month. The new loan came up to {$520000.00} payable in 30 years at 4.375 % interest. More documents were requested and were provided promptly on the following business days. On XXXX XXXX, XXXX, the loan officer called me up and said that my loan refinancing is being put on the back burner because there were many loans that have priorities that need to close before the end of the year. Finally, on XXXX XXXX, XXXX, I got the final approval from the loan processor and she said that the earliest we could close the escrow was XXXX XXXX, XXXX I made an appointment with the notary public to come to my house after work on XXXX XXXX. The papers were signed, sealed, and delivered. The loan was scheduled to be funded on XXXX/XXXX/XXXX. The loan processor requested my latest XXXX pages bank statements and I sent the statements to both the loan officer and the loan processor. I even provided a copy of a canceled check and deposit that they requested. That was ten days ago but the loan has not been funded yet.
XXXX XXXX filed a Tax Lien, which was originally sent to old address. Recently it was forwarded to my new addressed via USPS. I immediately called XXXX XXXX Tax collector and paid the tax lien the day I was notified and requested they update address as I was not receiving tax bill. The representative I spoke with confirmed they had old addressed and would be sending out new docs with correct address, which I completed. He also confirmed that they did not report this to my credit, as account is now paid in full ( Removed tax lien ). However, this is showing up as public record/tax lien on my credit reports. Tax collector advise to dispute with credit reporting as they are not reporting it. I am disputing this as account is paid, and tax lien should be removed as it in not accurate information reporting.
I send Aargon a letter asking them to validate some debts that are on my credit from them the end of XX/XX/XXXX I never rd recieved validation and they deleted these debts but added them back in XX/XX/XXXX without 5 days notification of reinstatement. Some debts came back on certain credit reports. The dates that were reporting on are now XX/XX/XXXX.
EXPERIAN RE : XXXX XXXX XXXX XXXX Dear EXPERIAN : The Department of Education no longer permits the use of social security numbers listed as account numbers on credit reports because of privacy concerns and other reasons to avoid confusion of what loan or loans are private or federal loans or those who have multiple student loans. XXXX and Experian continue to report loans on my credit file beginning with social security numbers, this causes confusion of which accounts are federal or private student loans, and also promote security and credit issues with approvals. Experian continous to report credit reporting inaccuracies and false account numbers on my credit file without authentication. I am concerned that XXXX and Experian are also not compliant with the Federal and State laws concerning verifications of accounts and current regulation that restricts the use of use of using social security numbers as account numbers on credit reports or other compliance and rules set forth by the Dept of Ed and the Office of Comptroller. I am asking the CFPB to investigate the use of social security number reporting as account numbers on credit files, because the federal government limits the use of social security numbers and has strict privacy laws e.g. ( privacy act 1974 ) It is not permissible to use social security numbers as account numbers on credit files because it can lead to potential misuse by creditors and banks to pool or commingle accounts, and data furnishers and credit reporting agencies are unaware of this.
First Data ( FDR ) Potential Fraud Our Company XXXX, ran a Company Visa Card from our customer XXXX XXXX for training and consulting services which have already began. The XXXX XXXX Visa Card was run on XXXX XXXX XXXX XXXX at XXXX, and was successfully batched for {$9900.00} and sent the Credit Card Processor First Data- ( FDR ) the proper information to fund the XXXX XXXX Account XXXX 
I have been in contact with XXXX since I need the funds to make pay roll. 
I have called FDR Risk Management over 15 times and sent emails with the information they required. I have only received 1 call back after I tried to contact the First Data CEO ( XXXX XXXX ) from an XXXX in Risk Management ( XXXX ) and she wanted me to send numerous documents and even XXXX Bank Statements. I complied with her request have left 5 messages and still have no response and no resolution. 

XXXX said the First Data " holds funds '' in case there maybe a charge back from the customer. I said you hit my customers Visa Card on XX/XX/XXXX so where are the funds? I asked her how many others are they " holding '' processed funds, I said it could be millions of dollars and she did not respond. 
The XXXX Merchant Account is XXXX.
I have a payment arrangement wit h Portfolio Recovery Associates.  I make all of my arranged payments on time, through my checking account. I have receipts showing that the payments were sent to  Portfolio Recovery Associates at th e correct account number, but every month I receive a letter stating that my payment was sent to my original creditor, who " forwarded the payment '' to PRA. My check receipts clearly state that the check was sent to the PRA, but both the rep and the  manager  that I spoke to claim that it must be my bank that is sending the payment to my original cred itor ( how wo uld they even know who that is? and why would they care? ) and the only way to resolve the issue is to set up automatic debits through my checking account, which I refuse to do for obvious reasons. They are forwarding my payments to my original creditor and my original creditor is then forwarding the payments back  to PRA, so that t hey can charge me late fees, and bully me into giving them permission to help themselves to my checking account. I just want to correct the issue with the mailing, and have my payments post on time, but they refuse to correct the issue that is obviously on their end.
had requested Transunion to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
On Thursday   XXXX   XXXX   XXXX     I contacted Bank of America ( " the bank '' ) to find out why my principal balance differed from what I was told it was going to be when I signed the documents at the dealership because all the guy could see was what was entered into the system. I was told to contact the dealer to find out. I called the dealer, but was unable to reach anyone. Then, I called the bank back to see if I could get a better response.  Low  and behold I was able to reach a nice lady who took time out of her busy day to help me get to the bottom of things. She was able to locate my loan documents and agreed that the loan document indicated that my balance should have been lower than what they had in the system. She told me she was going to submit a research request to get it all straightened out. She gave me a confirmation number and told me that someone may reach out to me if they had any questions or needed further information. After I got off the phone with the bank, the dealership called me back. Since the lady at the bank told me that she was working on a resolution, I told the dealership that and they went ahead and considered the issue being handled. The following day ( Friday   XXXX   XXXX   XXXX     ), I received a phone call from a rep at the bank, but we ended up playing phone tag and never had a chance to connect. On Monday    XXXX   XXXX   XXXX   XXXX   I received a letter from the bank informing me that they had been trying to reach me, but they were unsuccessful and I needed to contact them to get the issue resolved. I called them back on Tuesday   XXXX   XXXX   XXXX       at which time I was told that I needed to contact the dealership to get the issue resolved. I contacted the dealership again to no avail. The issue is a lack of assistance in getting a disclosure discrepancy resolved. I signed a security agreement agreeing to pay the stated principal balance and that is what I want to pay. No additional fees, no less than the agreed upon amount. I believe that this discrepancy is a Regulation Z violation and should be handled as such.
Collection company listed on my Lexis-Nexis Report ... ( Not Me ) Listed incorrect should be removed ..

XXXX XXXX XXXX Nor a XXXX ...

XXXX XXXX XXXX?

Amount XXXX?

Also ...

Address Listing Eviction Notice XXXX County. ( Not me ) Listed incorrect Should be removed ..

XXXX XXXX XXXX XXXX, NJ XXXX And other addresses listed below ....

Some one else, Relative?

All Above Wrong information allready removed from my XXXX, XXXX and XXXX Credit Reports
I have a cash advance balance on my credit card with an extremely high interest rate. I pay more then the minimum every month and per my statement anything over the minimum is to be applied to the highest APR. Last month I paid the minimum and then made a lump sum payment equal to the amount of the cash advance to get rid of it. Bank of America applied only {$500.00} to the cash advance and the remainder to the lowest APR balance. I went back over the last years statements and they have done this every single month causing my cash advance balance to skyrocket with interest while never allocating any of my payments to that higher APR.
I am a veteran XXXX service man ; service number XXXX. I already have a CFPB complaint account number XXXX against Wells Fargo Mortgage. I was not aware until recently that there was leverage on a complaint for service men. I am also XXXX in that I lost my XXXX. Type or written communications is best for me as my XXXX is severely affected. 

Past dealings with Wells Fargo MortgageXXXX persons has been very very difficult because of my XXXX and because of their illegal/immoral practices. These practices in the past have already been reported. Wells Fargo Home XXXX continues to be the servicer of my mortgage in spite of a legal request that they or their assigns not be the servicer on my mortgage because of illegal/immoral practices. 
Wells Fargo Home Mortgage initiated participation in the sub-prime mortgage lending condition which caused the financial crises from XXXX forward to the present and which diminished and eliminated the qualifications my wife and I had in place to secure the mortgage and to amortize it " better than agreed '' as contracted. They participated in the reduction and/or removal of the methods we employed in making a living. Our employment was based upon retail market earnings and largely from spending of the majority of others who were also affected by the financial trauma of the failed mortgage backed sub-prime lending scheme. As others failed so did we outside of our cause of it. Having our income fail and having Wells Fargo Home XXXX and Banking force other expenditures upon us insured a future foreclosure. That foreclosure has not happened even while Wells Fargo Bank and Home XXXX was assuring ourselves and thousands of other we would at their benefit. 
Wells Fargo Bank has attempted to illegally abscond with my money since XXXX and that was the reasons I change banks. My notice to escrow that Wells Fargo Bank/Home Mortgage and my attempt to refinance was to remove ourselves of any influence of them. 
Current legal problems under the subject title of credit card scamming with the U.S. Government adds evidence that Many others and myself are innocent victims. Included is the most recent information that the state of Illinois is moving toward blocking Wells Fargo from doing business there. I do n't foresee that Illinois will be alone in this endeavor. Other banks are also creating real distance from them. Wells Fargo has been sued and has paid fines in the billions of dollars and yet I know of no consumer who has had their Wells Fargo indebtedness released and/or reduced to zero without legal assistance ; another expense.