WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a payday loan in XXXX which was paid in full. Now, 11 years later I have a company contacting me constantly stating that I never paid the debt and that they are going to sue me. They have even contacted my family members and my in laws ( whom I did n't meet until XXXX ) I have explained to the company that I do not owe anything for that loan and they become rude and start calling me a liar, etc. I honestly believe that they got a hold of my information somehow and are just trying to scam me out of money. The original creditor has never made any attempt to contact me in regards to any discrepancies on my account.
I've requested several times for Capital One Bank. N.A, to provide me with a copy of my complete payment history for loan number : XXXX pursant to RESPA : Request for Information - 12 CFR 1024.36 Capital One was the servicer for loan number XXXX. They are refusing to provide me with this information!
I have Never applied for an auto loan with XXXX XXXX, Valley National Bank, XXXX XXXX, XXXX XXXX However, there are two inquiries on my credit report dated for these  lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Sierra Credit Corporation, Agreed to remove and delete this account from all 3 credit Bureaus upon returning the vehicle. so far they have deleted from XXXX, but wont delete it from the other 2 they provide different inaccurate information. In XXXX  they claimed I opened account on XX/XX/XXXX, On XXXX they claim XX/XX/XXXX. In XX/XX/XXXX they reported to XXXX the account was refinanced, before they reported that the car was reposed, also payment information is in incorrect. They previously reported I was late XXXX now they report XX/XX/XXXX.
This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that XXXX XXXX has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that XXXX XXXX is showing for XX/XX/XXXX. I have never been late paying my car loan with XXXX and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to XXXX for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by XXXX the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX. I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX  payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by XXXX on XX/XX/XXXX. XXXX did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for XXXX. They stated that because of all the payments that have come in, they need to remove the payment I made onXX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with XXXX. I received an overage payment from XXXX on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with XXXX and the paperwork attached is here to prove my case. This is only reporting on my Equifax credit report and it has cause my credit score for Equifax to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX
I filed bankruptcy went to get a van in XXXX.2015. I had been paying on the vehicle for over a year and Avid Acceptance did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings
Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Transunion here are the detail of the hard pull inquiries which were not authorized : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX
1. this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars 2. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all XXXX credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. 

Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information.
In 2014, my business, as I am XXXX, had a downturn in gross income. The decline in income was temporary as my business is strong, but I lost personal income and fell behind in my mortgage for three months. I explained the circumstances, and asked my bank BB & T to help me with a deferment and modification as my interest rate is 5.75 %. As I am XXXX, my income was not high enough, to refinance, get a deferment, get a modification, and they suggested I sell my home. If I had not come up with the money that was owed, and the late payments that accrued, I would have lost my house. I am in the XXXX, and I can tell you, they were quick to turn on me, and begin foreclosure proceedings. BB & T fraudulently appraised my house {$200000.00} less than it is worth. I was surprised at the quickness that their resolution to me was to sell the house in a short sale. My house is worth, {$580000.00} they said it was worth {$380000.00}. As i look through title work daily, XXXX, I wonder how many people, who were unable to understand the process, and do not have the means to fight the banks, have lost their homes. I see foreclosures daily in my work, and hope that I may avoid this same scenario in the future by being proactive and speaking out about the banks unfair practices, especially toward the self employed. BB & T bank, if they would have just refinanced my rate, would have allowed me to save monthly. The bank, if they would have put the money I was late on, at the back end of my loan, modified the loan, I would have benefited. But they were not interested in helping me. BB & T would rather own my property like the many bank owned real estate inventories rising in America by pushing the little guy aside, throwing us all out on the street, and out of our homes.
This is an additional, and new complaint regarding Equifax 's records being incomplete, and then inaccurate tradeline. 

I attest that I am XXXX XXXX, and the owner of this account, and all verbiage communicated through this portal. 

The XXXX tradeline is incomplete, and innacurate. 

The following is true -1XXXX The Last Paid date is not XXXX. The Balance is not accurate5. Because this account, installment account, has not been updated in almost a year, it impacts my score negatively and in such a way that looks as if the balance is and has NOT decreased4. The Terms, Frequency and dates ( last updated by ) are all inaccurate5. Please validate this account, and as a result of EQ 's validation efforts please share you method used, along with all contact details for this XXXX XXXX XXXX at XXXX is my contact name - and number ) 6. Delete the account, if it can not be made whole and accurate
Hi, I believe I am covered under the CFPB settlement with JP Morgan/Chase regarding Credit Card debt sold and filed as a suit between XXXX and XXXX. My credit card debt was sold by Chase to XXXX XXXX XXXX who filed suit in XXXX Court of Calitornia - XXXX XXXX XXXX Case # XXXX ) against me in XXXX. At the time of the suit it was time barred by over 1 year. The suit was filed XXXX XXXX, XXXX and the last activity on the card was XXXX XXXX. The suit went on for 3 years and 1 week before this settlement a judgement was entered against me for over {$19000.00}. The Judge ruled that Chase could n't produce a cardholder agreement and therefore the time bar ( 3 years from last charge ) could n't apply. I have read the CFPB settlement and my case fits the settlement. However, I have n't been able to locate a way to be included in the group. 
I am prepared to appeal the Judge ruling but given the outcome of this settlement believe JP Morgan is responsible.
XXXX   transactions, each for {$75.00} on the same day (  XXXX  ), were posted to my account which I did not make. I called Elan Financial Service on   XXXX   to dispute the sales. I clearly said I did make the charges or know the merchant. Elan did not transfer the handling to their fraud group, but only attempted to get copies of sales.
They were then unable to obtain the sales copies, but deem the sales valid and reapplied to my account (  XXXX  ). I then called again (  XXXX  ), this time the representative said both sales would be handling as fraud, closed my account, and sent me new credit cards.
In watching my statement, it appeared that they only began handling one of the {$75.00}, as demonstrated by only a single temporary credit.
Again, I called to speak with the fraud group (  XXXX  ). This time I was told that the second charge would be handled as fraud and that the " investigator '' would return my call. No call was received.
Today (  XXXX  ), I had to call again, as the second {$75.00} is still on the account and I did not received a call as promised after 12-days. This time I was told that the investigator tried to call ( 07/05 ) but could not connect AND they only make one attempt. This is unfair as it requires the customer to ensure follow-up by the bank. I have been promised someone will call me.
I need your help, CFPB, in getting Elan Financial and Fidelity Credit Card to do their job and resolve me case.
I've been making payments to Navient on a private student loan for the last 5 years. The balance continues going up. 

My mom who is XXXX cosigned and they will not allow her off the loan. I've been given erroneous information about allowing her off the loan. 

They have destroyed her credit and mine and I've called for answers, resolution and they will not provide any info. 

They are now harassing my mother at home by calling 15-20 times a day. 

I've fallen behind on payments and have called for assistance and I've been told I need to pay {$1800.00} and there is nothing they can or are willing to do to assist me. 

I desperately need assistance and a resolution to this. Please help. As you know Navient has multiple lawsuits pending for shady and illegal practices. I'm one of the people.
I had a credit building loan account with Associated Bank that was closed in XX/XX/2018. Associated Bank and I are currently in dispute regarding the date of the last payment and how it is being reported on my credit reports. Associated Bank claims the account was paid over 30-days late. Regardless of if the account was past due at the time of last payment, Associated Bank refuses to list the account as current. My last payment to this account paid the balance owed in full and Associated Bank is reporting that the account is currently 30 days past due. The account can not be both paid in full and past due yet Associated Bank refuses to listen to me on this matter and they continue to issue blanket denial letters when I inquire about this. Even if the last payment was over 30 days late ( which is was not ) this account would no longer be in a derogatory status because, as I've said and I repeat, it has been paid in full and closed. Accurate data reporting is the cornerstone of the Fair Credit Reporting Act and Associated Bank shouldn't need disputes to know that.
when orignal noteare challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
XXXX XXXX XXXX, aka XXXX, XXXX in XXXX, TN has reported 10 new collection accounts on my credit report. The account ( s ) and amounts are as follows : Account number XXXX Amounts : {$270.00}, {$210.00}, {$210.00}, {$110.00}, {$120.00}, {$160.00}, {$240.00}, {$210.00}, {$110.00}, {$91.00} all to XXXX XXXX XXXX XXXX. 

I have not been to a XXXX XXXX XXXX XXXX facility in over 3 years. 
I became XXXX in XX/XX/XXXX and had XXXX XXXX since XX/XX/XXXX and got full Medicaid/Medicare 1 year later and what is suspicious is all of my accounts with XXXX, XXXX were scheduled to fall off my reports the end of this year, or the first part of XX/XX/XXXX. 

I believe : 1. They have reaged this accounts to keep them on my report longer, as they didn't show up on my credit reports until this month, but they ( XXXX, XXXX ) state they " opened '' the account back in XX/XX/XXXX. 
OR 2. These accounts DON'T belong to me. 
OR 3. I am a victim of fraud/identity theft. 

I want validation of these debts to prove they are mine, but I know they are not.
Equifax is incorrectly reporting a lien on my credit report. I have written them twice for evidence that such lien exists and they can not provide me with anything yet they still are reporting it on my credit report. I have also called and disputed this item, but they continue to say it is verified.
Now I think I have heard it all from Citi. They are refusing to work on a dispute with a fraudulent merchant that did not provide product or services because I paid off the balance owed on my credit card. You are XXXX if you do and punished if you do n't. This is totally unreal the type of bull that a bank can do and get away with it. I am screwed out of thousands of dollars and now this.
So, my complaint is that Equifax is not investigating any of my disputes of public record. I have challenged the accuracy, compliance and reportability of the listing in my credit report. Since XXXX, XXXX I have submitted disputes with Equifax 3 times referencing a public record of my credit report. Each time the results would say the public record was verified from information obtained from local, state and federal courts through a third-party vendor, XXXX. Well, I have had an active freeze with XXXX since XXXX, XXXX, and I have an active Suppression of public records in place. I have reached out to XXXX and they verified the freeze and the suppression. The federal court here has sent me a letter stating it does not report to any credit reporting agency due to privacy laws, and I provided a copy of this letter to Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The bankruptcy court has mailed me a letter which emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the third-party providers who collect information regarding public cases from public records without validating and then selling the information to credit reporting agencies. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Equifax Credit Bureau needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from my credit file. Equifax has not sent any validation documents. I 'm requesting assistance with this issue of them not properly investigating my dispute, per FCRA laws. I want the public record deleted from my credit report.
on XX/XX/2018 at XXXXXXXX XXXX, the debt collection office for XXXX XXXX XXXXXXXX XXXX XXXX called me threatening to take legal action against me, which on XX/XX/2018, i spoke to someone about setting up payments plans and someone from the debt collection office for them was supposed to return my phone call at XXXX on XX/XX/2018 and never did. the representative mentioned that the recommendation was put on hold which i am not made aware of any of this information and then she about my XXXX in a tone i did not appreciate " are you still XXXX  ''? the number they called from was XXXX.
XXXX XXXX took out a student loan without my knowledge or permission in XXXX. She was living in my house and had access to all of my personal information and email. I was n't even in the same state as her when the account was opened. I was living and working in CA and staying at the XXXX XXXX. I 'm still not sure why Navient did n't contact me asking if I approved this loan. They even had my contact number. Once I discovered the loan I contacted Navient have followed everything they asked for. I never received any communication between when the loan was opened. Once i received the first bill 2 years later I called to try and have it removed. I have since tried to contact them and cant reach anyone in the fraud department. I received a letter saying they were no longer investigating the claim but have n't told me why. When i originally called they told me the loan was in deferment until XXXX. I received a bill yesterday asking for payment in XXXX XXXX. I shouldnt have to pay anything and this loan should be removed as I was never notified of the loan or signed any documents. They have yet to even provide me with application or any correspondence sent.
Their are XXXX inquiries that I did n't authorize XXXX 's XXXX XXXX to put on my credit report.
XXXX fraudulent accounts opened at some point then abandoned XX/XX/XXXX/XX/XX/XXXX by person committing identity theft. Accounts were not discovered until 2016 when looking at credit report. No collection attempts were ever made to me through mail or by phone. When contacted company I was forwarded to various collection companies who all said they did not hold the debt anymore. Company representatives were extremely hostile and demanded I pay, while refusing to furnish any information regarding the accounts. Filed identity theft complaint with company to discharge the debt and was denied. Filed complaint with various credit reporting agencies. Some agencies deleted the debt but then it would reappear under another collection company.
On XXXX XXXX my wallet was lost/stolen while in XXXX ( I live in XXXX ). My credit and debit cards were fraudulently used in XXXX XXXX and XXXX. I asked my banks, Chase and XXXX XXXX XXXX, to make ALL my credit and debit card purchases require a PIN. They said they do chip and signature only. Cashiers do n't ever look at the signatures. At XXXX though thieves could n't use my XXXX because it requires a PIN for all transactions. But, then they used a different Visa card and got away with the purchase. 
If a PIN was required, no purchases in a store could have been made and any purchases online could have been stopped before shipping. 
I do n't understand why this is n't standard. I know I 'm not 'officially ' out any money but the banks and the merchants are and those costs are passed on to the consumer. 
I want to be protected against fraud and have no means to protect myself because the banks wo n't honor my request.
I purchased a {$200.00} " XXXX '' card ( XXXX XXXX XXXX XXXX intended to re-up a XXXX card at my local XXXX.

There was a computer error when I ( or anyone ) tries to create a safe and transfer the money to your desired card on the " XXXX  '' site.

Some internet research showed this was no error. This was a way to steal, or hold for the longest period of time possible.

Please help. I need my {$200.00}, not after waiting a month for a check.

Why is XXXX   allowed to sell these cards when they are all fraudulent?

Thank you in advance for any assistance.

/XXXX/