WillisBack/dataset-financial-user-claim huggingface dataset:
Husband w ent  to a Honda dealer ship on Saturday ,  XX/XX/XXXX  and wa s quoted an amount for the vehicle and monthly payments. The dealership allowed him to take the vehicle home, even though he had not signed all the paperwork with the  finance  department. When he went back to the dealership on Sunday,   XX/XX/XXXX , the was told th at there was some confusion with the offer he was given and that the agency was not quite sure how they had come up with the number. My husband was told to call back on Monday morning to have everything straightened out. Monday morning, the dealership is now quoting my husband payments that are {$140.00} more than what he was quoted  two days  prior.   My husband left the dealership on Saturday, after signing paperwork stating that he was committed to the deal and the rate ( among additional paperwork that he does not recall ) he was never provided with copies of what he signed. Nor was he provided any disclosures related to cost of the vehicle, charges e  tc.
On Monday,   XXXX   XXXX  , 2017 the dealership   called my husband to inform him of the new payment rate. At this time I asked what interest rate they used to calculate monthly payments and as told it was not really a rate but a formula and that the sales person did not know how it was calculated. The MSRP of the car was significantly different from what had initially been told to my husband. I feel that the dealership is practicing unfair, deceptive and abusive practices in efforts to entice consumers to purchase vehicles.
I went on a cruise with a friends family, we applied for credit cards onboard the ship. The whole cabins charges were billed to my credit card. When I received the bill I contacted carnival and they sent me a document that I have attached, which clearly states I am not responsible for any of these charges. At the bottom it says there is an asterisk mark placed beside the responsible party, which you will notice is not me. There is only one charge on my folio card that was automatically put on there for {$48.00} for service gratuity.. every card was charged this. They put the charges on the wrong mastercard. I am not responsible for any of these charges.
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$540.00} XXXX  XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}
I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX / 2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION
Due to the XXXX of XX/XX/XXXX and a severe loss of income, I could not pay my credit cards. No one would work with me and I ended up being summoned to court. I could not afford an attorney. The cards were all bundled together and the attorney representing the credit card company offered me a re-payment agreement that would span 3 years. He told me to sign it and make the monthly payments, determined by him, for 3 years and said that would be the end of it. I signed it and the judge approved it. There was no discussion about forgiving anything. They said - pay what you owe and I did. I worked very hard to make the payments from the XX/XX/XXXX-XX/XX/XXXX time frame until XX/XX/XXXX-XX/XX/XXXX. During this time, my husband had to file bankruptcy and we had to short-sale the house because again, no one would work with us. Not the homeowners relief program, NO ONE. I never received any further communication from ANYONE. Now we fast-forward to XX/XX/XXXX and Bank of America sent me a XXXX form stating that they are " forgiving '' {$12000.00} of debt! There is no possible way this could be my debt. What I am saying happened, is that since I was under the impression that this matter was resolved and I made 3 years worth of payments, I thought it was over. No one has contacted me since that day in court almost 9 years ago. So what was Bank of America doing to me behind my back? Adding on late charges and penalties and fees every month, while making absolutely no effort to contact me so that perhaps this could have been resolved and now, almost 9 years later they are " forgiving '' {$12000.00} of debt? How can this even be legal? How am I going to pay taxes on this now? I am XXXX years old and I am not made of money. Please make them rescind this form. I do n't have the income to justify a credit limit of {>= $1,000,000} on XXXX card. In my opinion, this is fraud. Is Bank of America trying to manufacture write-offs? I do not know HOW I will pay this tax bill either. What is next - debtor 's prison??????
i am writing because i have sent regions bank on XX/XX/2018, 2 different letters asking them to verify the accounts that i am responding to concerning these accounts.By law, they have 30 days to respond before they violate the law.these negative items are damaging my credit and causing me great grief.
ExperianDate XX/XX/XXXX, 2017Report # XXXXRight Address on report: XXXX XXXX XXXX XXXX XXXX XXXX XXXX                                        XXXX PA XXXXWrong: XXXX XXXX XXXX XXXX             XXXX PA XXXXThis is not the right address and needs to be removed I have provided the one I live at and is right. There should not be this many address showing wrong or not right.
I went up there to look at a XXXX with my nephew. He is in the XXXX XXXX and I did n't want him XXXX over by dealerships around his XXXX. Without any credit yet they said he needed a co-signer in order to get it. I repeatedly asked the salesperson, XXXX, if I co-signed would it show up on my credit due to me planning on buying a car this week. She repeatedly said it would n't unless I took over the loan. I agreed to co-sign. I asked the finance person repeatedly the same thing. She also said it would n't show on my credit report. Went to buy my car today and was turned down due to already having a car loan. Went back to dealership and the finance person denied that I even asked even though I have XXXX witnesses that were in there. These people will lie to anyone in order to make a deal.
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX TransUnion LLC, Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX : XXXX XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for XXXX  & TransUnion to correct this ASAP. 
XXXX  XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX has already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
XXXX  refuses to remove a foreclosure from my credit report even though it is well past t he 7.5 years beyond the FCRA Date of Compliance. Under FCRA 609 ( a ) ( 1 )  I did request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance as   XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX    XXXX   XXXX  and at th at time re --  aged the terms of the loan which is illegal and is being reported to the CA State Attorney General, BBB, and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.
XXXX # XXXX : Amazon is intentionally & knowingly holding orders over a week after charging customer credit cards before presenting items to shippers, to force customers to purchase their PRIME service for {$99.00} per year. According to XXXX regulations charging of credit cards prior to shipment is a violation of all merchant account contracts. 

Amazon states that the 7+ day holding time is for processing after they have charged credit cards, YET they are intentionally misrepresenting 7 day shipping times and using the said shipping times to hold orders XXXX so people spend the {$99.00} fee for faster shipping. Shippers like XXXX XXXX AND USPS take an additional 7 days to ship said products making total time since order origination over 14 days, THIS is false, misleading and fraudulent for Amazon to try to force customers into a contract for their PRIME service by holding orders & delaying service.
XXXX XXXX does payday and installment loans under " XXXX XXXX XXXX ''. Every time you borrow money from them they go into your credit report even if you pay on time or have never had any problems with them they will put a new inquiry on your credit report. For example I just recently borrowed money from them and my loan will become due in three weeks they put an inquiry on my credit report the same day. In fact they will not let you get a loan or refinance a small loan without going into your credit report. They do it every single time you get any money with them big or small. 

They are unethical and ruthless with their practices. Do not use they 're services you will regret it when you see how many times they will put an inquiry on your credit report.
Security Credit Services continues to report to credit bureaus ( recently XX/XX/XXXX ) without validating this debt. I have no knowledge of what this debt is and have continually called this company, left numerous voicemails and have not been sent any validation information or return calls. This company is not licensed as a collection agency in the state of MI, their license lapsed on XX/XX/XXXX.
I have been with Chase since XX/XX/XXXX and they can see it in my credit report as an authorized user and was advised that it will help me get a credit card in the future. I applied and was denied. do to the faq of my average age of account ... so XX/XX/XXXX to XX/XX/XXXX did n't count for anything ... a called several times to verify and every chase customer told me that adding a person to my account will help them in the long run to get a credit card ... so why are you lying?
On XX/XX/2019, American Express set me with a pre-set limit on my card of XXXX without advanced notice. They did this to me while fully aware my balance at the time was XXXX. Now it shows I am over my limit. I have never had difficulty making my payments on time, but a leak in my home caused me to fall behind. I am XXXX  past due and as of today XX/XX/2019, I am 13 days past due. I called American Express on XX/XX/XXXX to get an understanding as to why my limit was preset without any advance notice and why they set the limit less than what my balance was. I expressed to them that this isn't consumer friendly and it was an unfair practice. I spoke to about 3 different people who were of no help. I finally called again and spoke to someone else and that person was very rude. She was aggressive and spoke over me the whole time. I decided to do a cease and desist and for my card to be closed out of frustration. Prior to her reading the required disclosures, I told her to hold off on closing my card until I spoke with a manager. She told me a manager would call me back. About an hour later, I got a notification that my card had been closed. The rep who closed my card did not have consent to do so. She didn't follow compliance and she violated federal regulations. She didn't read the required disclosures. I called back and asked to speak to a manager again. Still no manager to speak to. I was promised a call back the next day, XX/XX/XXXX, and I got no call back. I called American Express back to reopen my card and there was no resolution. My card is still closed. This morning, XX/XX/XXXX, I woke up to a threatening letter from them
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
I received a call from my credit card Fraud Department ( Citi ) in XX/XX/XXXX that my credit card had been compromised and they closed the account and issued me a new card. There were a total of {$2300.00} of fraudulent charges on my account that I did not make and did not authorize. <P/>Citi investigated this matter and on XX/XX/XXXX I received a letter from them stating that they are reversing all the fraud charge claims I had previously submitted and that I am now responsible for the full amount of these charges and that their investigation is closed. Also their bill has no address to send certified mail only a XXXX  would be given where it is not possible to confirm any receipt. <P/>Also their bill does not include address to send billing disputes. <P/>I am requesting your help to resolve this matter with Citi bank
I closed a credit card account I had with XXXX ( XXXX ) in XXXX XXXX. The amount due was paid in full on XXXX/XXXX/XXXX. More than XXXX days after the account was paid off I received a postcard from XXXX indicating that a balance of {$5.00} was more than XXXX days past due on the account. While I did not agree with this, I went to XXXX to see about just paying the amount since it was so small. The employees at XXXX indicated that the account had a XXXX balance and even if I gave them the money they did not know how or where to apply it. I was told " not to worry '' and that there was nothing due. 

XX/XX/XXXX I obtained a copy of my TransUnion credit report and was shocked to see that the account had been reported as an adverse account with the {$5.00} reported as more than XXXX days past due. I again went to XXXX and showed them the item on my credit report. I was again told that it would be taken care and the past due status would be removed. 

Several months went by and the past due status remained on my credit report. I then filed a complaint with Consumer Financial Protection Bureau ( CFPB ) in the XX/XX/XXXX as I was led to believe that it was TransUnion that was not cooperating with XXXX in removing the adverse account status item. The complaint I filed with CFPB resulted in the adverse account status item being removed from my TransUnion report. At this time I thought the matter was closed. However, it is not! 

XX/XX/XXXX I obtained another copy of my TransUnion report. The report shows that someone from XXXX requested a copy of my credit report on XXXX XXXX, XXXX ( without my consent and for no legal reason as I owe them no debt ) AND the closed account is again being reported as an adverse account. Additionally, XXXX changed the alleged late payment date from XXXX XXXX to a new date of XXXX XXXX. 

I have attached copies of my XXXX XXXX and XXXX XXXX credit card statements as they may also be helpful in the matter. 

I am once again seeking to have the adverse account item removed again, from all XXXX of my credit reports. I have never had a late payment with XXXX in all the years I banked with them and am finding it hard to believe that they are doing this to me, which is starting to look like harassment. The adverse item status they are reporting has also caused my car insurance rate to go up ( along with my XXXX XXXX! ).
ARS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, FL XXXX Phone XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
I am writing this complaint on behalf of my old Mortgage Foreclosure loan # XXXX with PNC Bank. I was scheduled for a foreclosure back in XXXX. However now I am being penalize for a new purchase with FHA. THere is a XXXX alert still on my account until XXXX XXXX. I understand the 3 year waiting period however, I foreclosed on my Property in XXXX however, there was a Security Deed error. The Security Deed was never signed by the Notary so I was Summons to have the Deed Reformed in XXXX. Due to error of title company it took another year to have the Superior Court of XXXX XXXX GA reform the document. The notary has died and was unable to reform the document. Now I am unable to close on my new property and in the process of losing my earnest money, contract and other monies. I am requesting a urgent request to have FHA remove my XXXX alert. My XXXX case # is XXXX. I will add the summons that was filed against me and other documentation for the release of this negligence of the mortgage company. I had a attorney involved where we requested a removed of the deliquency but no results. ThanksXXXX XXXXXXXXXXXX
Not given feasiable options and icrease loan amount without assistance to consolidate or adjust crippling payments
experian and XXXX XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}
There is an account on my credit file with XXXX and reporting negatively by First Source Adv with a account number # XXXX. I have not had a loan in connection with this school. In XXXX I contacted the school ; the FTC # XXXX ; Credit bureaus to dispute this account who refuse to supply me with the information I require for validation of this account such as promissory notes ; contracts and agreements and all other documents pertaining to the opening of this loan
I opened a student loan in XXXX 2011 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$4900.00}????
XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on XXXX, XXXX AND EQUIFAX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
XXXX-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
XXXX-says account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XXXX XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
EQUIFAX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XXXX XXXX.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.