WillisBack/dataset-financial-user-claim huggingface dataset:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 

Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account that I need to be removed by this company : 1. XXXX   XXXX  ACC # XXXX, Date Opened XX/XX/XXXX, I am attaching the dispute letter/documents I sent to this company
I received a 1 year anniversary of my CarMax jeep and was told I could apply for the skip a payment deferment after the 1 year. We had a medical issue and I needed to get the deferment for that car payment within the month. they told me I could and I talked to the corporate office and she said she received approval. I began getting calls from CarMax so I asked the Financial side if they showed the deferment they said no, it was not processed and the corporate advocacy person had made a mistake. She took it to get approval on it and it was finally put through. My credit was dinked as a result and I need it removed as I have perfect credit in buying cars with paying within the 30 days allowed. XXXX XXXX
This is regards to my current mortgage. My account was transferred from one company to current company in XX/XX/XXXX. I made my on-time payments to both the companies in XXXX. I also made on-time payments to my current company for XXXX too. Original company did not made my school tax payment in XXXX and new company made the payment and late fees for XXXX school taxes and asking to make that payment again whereas, I have already made my payments on my account. Current company keep taking from my account automatically without my approval and not willing to help to resolve the issue. My current company is also asking to increase my monthly payment as they have made the payment covering XXXX taxes. I am not in a position to make any extra payments which I am not suppose to but they continue to do so. I would appreciate if your department can help me resolve this issue.
I am the owner of a home and have been in a Lease / Purchase agreement with the renters for two years. By the end of the two year contract, they were to obtain financing and purchase the home or move out if they could n't. They found an online mortgage company, Nations Lending Corporation XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, that they obtained financing with. Nations Lending requested that I give the renters an extension to our contract so that they would have time to complete all the necessary requirments for a VA loan. I agreed to this and had an addemdum drawn up and gave them a 3 month extension. At the end of the 3 months, the mortgage company still not have everything completed and asked for another 2 days. The Title Company, XXXX XXXX XXXX XXXX, XXXX, XXXX, sent a " Closer '' to the Buyer 's house to notarize the closing documents. She showed up 3 hours later than the agreed time of closing ... which was after the bank and courthouse had already closed. During closing, I find out that the Buyers have a loan for {$16000.00} over the sales price. I am asked to sign a XXXX showing that I am to receive proceeds from the sale. I was asked by Nations Lending to not mention to the Closing Agent that I was n't really getting the proceeds from this sale and once the documents were signed, to write a check back to the Buyers for the amount I was receiving. It was wrong of them to ask this of me and a very underhanded thing to do. ( I will have to pay taxes on these proceeds that I knew nothing about!! ) It was our agreement that I sale them the house for the payoff amount. I made nothing off of this sale. It has been four days since we closed and my mortgage still has not been paid off and the deed still has not been recorded. It is the law in the state of XXXX to record on the day of closing for a sale of property. Nothing this bank has done has been legal.
I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. Owner has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing distress as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.
I sent a certified letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said request. In turn, they responded by accusing me of disputing the debt in question and said they would be updating my credit report to reflect my dispute. I made it very clear in my letter that my request did not mean that I was disputing the debt only that I wanted validation of the debt.They have not provided me with any documentation proving that I am obligated to pay them anything and yet they have reported negative information to the credit bureaus that I am asking to be deleted.
XXXX COMPLAINT, I WANT REIMBURSEMENT FOR THE FUNDS I 'VE SPENT ON A ILLEGAL CONTRACT WITH ALLY BANK, ALLY FINACIAL, I 'M OUT OVER {$15000.00} IN SIX MONTHS FIGHTINGTHESE PEOPLE, I WANT XXXX. 
XXXX NEW JERSEY TOO REIMBURSE XXXX XXXX CREDIT CARD FOR THE $ XXXXIT COST TOO CORRECT THE DEALER FRAUD ON MY CREDIT CARD FROM XXXX XXXX XXXX? 
HE USED THE MONEY ON HIS SELF, NOT THE {$6000.00} USED INFINITY THE DEPOSIT WAS GIVEN FOR. 
HE ALSO RECEIVED {$14000.00} FROM ALLY FINANCIAL INSTITUTIONS, THEY WERE TOLD PRIOR TOO GETTING THE VEHICLE TITLE FROM XXXX. 
THE XXXX XXXX WAS A BAIT & SWITCH TACTED, THE FINANCE COMPANY STILL SAIDS THEY HAVE NO CONNECTION WITH DEALER, THAT 'S WAS FOUND BY THE STATE, GOVERMENT, NJ XXXX XXXX XXXX, ALL COMPLAINTS WERE FILED. 
THE DEALER STOLE THE MONEY, GOT THE CAR BACK TOO RESELL AGAIN THROUGH ALLY FINANCIAL RESELLING CAR BACK TOO THE NEW JERSEY AUCTION IN XXXX XXXX. 
XXXX COULD NOT FIX A XXXX XXXX NEEDED A MINIMUM OF {$7000.00} IN REPAIRS TOO MAKE CAR LEGAL IN NEW JERSEY. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER TOO ME OR ALLY FINANCIAL! 
I KNOW ALLY NEW BECAUSE I NEVER HAD A APPLICATIONS FOR CREDIT, THEY SENT ME A TURN DOWN LETTER AS WELL AS XXXX OTHER FINANCIAL INSTITUTIONS. 
I WAS DECLINED FINANCING EVEN WITH A FICO OF XXXX IN XXXX DUE TOO MY NEW XXXX LEASE IN XX/XX/XXXXTHE CREDT BUREAU REPORTS KEEP LYING ON THE REPORTS, THERE WAS A ACTIVE FRAUD ALERT ON ALL THREE CREDIT BUREAUS REPORTS IN XX/XX/XXXXWE HAVE PROOF, XXXX HAS DELETED ALLY FINANCIAL FROM THE CREDT REPORTS AFTER THRE INVESTIGATIONS. 
I 'M TIRED, BROKE, AN CAN NOT STRAIGHTING OUT MY CREDIT CARDS, OR PROBLEMS I NEVER LEGALLY BOUGHT. 
I WANT ALLY TOO REIMBURSE MY COSTS, DEALER THE CREDIT CARDS, WE HAD TOO FILE CRIMINAL CHARGES AGAINST XXXX. 
THEY ARE ALL APART OF THE DISCRIMINATION CASE YOU PROCESSED VIA DEPARTMENT OF JUSTICE, CONSUMER PROTECTION AGENCY IN XXXX XXXX XXXX , ON XXXX, SOCIAL SECURITY ONLYWAS ABLE TOO STARVE MYSELF, NO TRAVEL, NOW CAN NOT PAY ELECTRIC, SOME ONE HELP ME GET SOME ONE TOO GET ALLY TOO REIMBURSE THE CAR, MY COSTS, REPAIRS, ATTORNEYS FEES. 
SIX MONTHS NOW, XXXX XXXX XXXX
I opened a account with XXXX on XXXX XXXX paid all bills until XXXX XXXX when I had to leave my home due to forclosure. I requested to have my services cut off in XXXX of XXXX I was on a payment plan.they sent a final bill for XXXX in XXXX. In XXXX it was sent to a collection agency XXXX services I paid the bill on XXXX XXXX XXXX. Then I received another bill from a different collection company saying I owe XXXX. I paid my last bill and closed the account. Now XXXX have reported XXXX accounts on my report XXXX opened in XXXX XXXX and XXXX in XXXX XXXX. I have disputed this several times with experian but as of now the account opened on XXXX XXXX was removed, but where did the other account come from opened in XXXX XXXX. This account should be removed I do n't owe dte anything. How can I have XXXX accounts for the same address.
I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called security credit services. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and security credit services there contact number is XXXX
This complaint is being filed against XXXX XXXX & XXXX debt who represent the creditor XXXX XXXX XXXX XXXX XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX & XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX & XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX XXXX XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX XXXX XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.
In connection with a Citibank credit card, we submitted CFPB complaint number XXXX, to which Citibank responded more than XXXX months ago, as follows : " [ Citi ] sent a letter to the customer and advised that because we value his business, we applied credits totaling {$1000.00} for the difference. '' Citibank 's statement was false ; no credit was ever applied or otherwise given. 

Our original complaint stated the following : " Prior to XXXX turning over its XXXX credit business to Citibank, XXXX resolved an account dispute with us, confirming in a recorded telephone call that we were entitled to a {$1000.00} credit and that such credit would be credited to our account forthwith. Before the credit was received, the transfer of the credit card business by XXXX to Citibank was competed. Citibank thereafter repeatedly promised ( in recorded telephone conversations ) to make good on the obligation it inherited from XXXX and complete the {$1000.00} credit forthwith. Citibank inexplicably has repeatedly failed, and now refuses, to complete the promised credit in violation of both its agreement to do so and in default of XXXX ' similar promise to which Citibank succeeded to. Citibank has even had some phony dispute resolution expert named XXXX XXXX pretend to be seeking a resolution of the matter. His promised response was never forthcoming, and his failure and refusal to return telephone calls confirms Citibank 's continuing bad faith in this matter. The dispute is unresolved after more than XXXX months and countless hours of effort by us and unfulfilled promises from XXXX and Citibank. ''
my money went to an account at the navy federal credit union on XXXX XXXX 2015 without my knowledge from a tax service called XXXX XXXX XXXX my refund was supposed to come by mail but XXXX XXXX XXXX stole the money i contacted their bank to let them know about the fraud on XXXX XXXX they assured me my money was in that account and was awared of the fraudrulant that XXXX service put my check into that account i was corresponding with the bank up until XXXX XXXX 2015 and i went to the brach in XXXX mississippi and sat there and they pull up the account and seen again tht my check was in the account and they told me the aacount was frozen and that they would send the check back to the I.R.S because they could not issue the check to me they also said that XXXX XXXX XXXX could not touch the money the bank had me to go back to the I.R.S to get a form XXXX for the I.R.S to sign i did that and the navy federal fax the letter to their sercurity department i also have a copy of the letter so on XXXX XXXX the IRS sent me and the navy federal bank a letter of trace for the funds the navy federal bank has in that account i called the bank and ask have they recieved the letter they said yes and i ask the bank when will they send the check to the IRS. the bank told me their is no money in the account to send to the IRS i told the bank that is impossible because the money was in the account XXXX XXXX 2015 when i went to the branch in mississippi and when i was told the account was frozen because they was investigating that account they also told me that the IRS took to long to send them what they needed this bank has been rude to me about my money and also its a back and fourth situation with that bank and their security department i talk to my bank about my rights and the precedure of how navy federal credit union should have follow the precedures in handling this probelm they should have sent the check back 7 days prior to me calling on XXXX XXXX 2015 when i made brought it to their attention and they gave me a call today XXXX XXXX 2015 to dicuss the probelm i told the young lady everything that happen and she got back with me and told me she can not dicuss the matter with me anymore she gave me a number to get in touch with the IRS advocate so i ask her for what their bank has my money they wont give it back and i want some anwers because i have documents that they ask me for in the beginning and they had a nerve to say its a civil matter and thats not true because like i said this probelm was going on for almost 3months the IRS said the bank supposed to send them the check back it should not have went this far and also they said that XXXX XXXX XXXX on XXXX XXXX 2015 could not touch my money so where is the XXXX that they promised me i would get bank i need help with this probelm i even talk to the bank manager and he was rude also i want to go all the way to the head command they wont answermy questions anymore
XXXX 2015 received loan modification with a new payment of {$440.00}. 4 months later we were informed escrow was negative XXXX. I paid XXXX to pay back escrow. The following year escrow stated I was to pay XXXX for escrow was now negative XXXX. 8 months later I discovered 4 house payments mailed back for flagstar stated it was XXXX dollars short. I mailed money orders to avoid XXXX dollar call in fee. In default again after I was struggling to pay extra every month. Hired a lawyer for possible chapter XXXX but ca n't afford the process.currently loosing my home. I am part of class action law suit. I 've received two reimbursement checks. Flagstar strung us along for so long trying to get a modification only to deny us so we got a lawyer. In the end they refused my money causing me to default.
On XXXX XXXX, 2016, I received a demand letter from CMRE Financial Services , INC asking me to pay a debt of {$370.00}. 

This medical bill does not belong to me. I am disputing this bill and do n't intend to pay a bill that does not belong to me.
About two months ago, I made 3 purchases with my XXXX debit card. My XXXX debit card is linked to my pnc debit card and the way it works is that when you purchase something with it, XXXX will collect it as a check on your personal debit card. For some reason my account had non sufficient funds and for each of those 3 transactions charged a {$36.00} overdraft fee, then they had the transactions returned resulting in 3 additional {$36.00} return fee for each transaction. Not only did they not pay target but they charged me {$210.00} in fees. As a result of that I also ended up owing target return fees as well. PNC also kept a daily overdraft fee being charged to my account. I tried to dispute these charges and they just told me that that was policy and nothing could be done. I ended up with a negative balance of {$470.00} and they threatened with collection if amount wasnt paid. I ended up paying to avoid collection but that is a steal. They didnt pay for anything so I still owe target this money. I still have to pay target fees. They ran of with all this money from me. I have closed my accounts but I wanted to see what i could receive in help from you guys as I read I could look for help here. Thank you so much.
Loan depot is consistently reporting 120 days late each month to XXXX XXXX and XXXX. I have not stopped paying them. The comapany has taken upon itself to stop with drawing the monthly payment from my account. I initially contacted them in XX/XX/XXXX and again on XX/XX/XXXX. I was told by their representive that they had changed over to a new electronic system and are having problems identifying my account. I am requesting that they amend all reports of late payments since XX/XX/XXXX. Not only is loan depot reporting fradulent information it has caused me from getting a home loan. 

I am requesting that CFPB help with this matter. As a home loan contingent upon resolving this problem. 

Thank you,
Bull City Financial Solutions has reported three collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. Bull City Financially is acting as an illegal collection agency, defying federal  collection law.
Instrument Rental : KINUM XXXX Kinum was the Instrument rental company that my Son 's school ( XXXX XXXX XXXX in XXXX Texas ) used. 
XXXX of 2013 the Instrument was returned to Kinum. My Son passed away XXXX XXXX 2013. These villains are still showing this as a collection account on my credit report. I am not in possession of the receipt or the musical instrument. Kinum took the instrument as well as the receipt when I brought the instrument back to XXXX XXXX XXXX in person. They told me they needed the receipt to conduct inventory and that they would mail the original receipt to me. Something they obviously never did as promised.
CRS contacted my elderly parents home in Illinois threatening them that they are going to sue thier son if he does not handle the debt. The person we spoke with was XXXX at XXXX. This company continues to harass my parents and threaten them rather than me which I would prefer. However this company is know for these tactics and has been brought to suit by the FTC for the same behaviors. I can not upset my elderly parents with this ridiculous behavior and threats. They do no need to worry about me. This tactic is scaring them and causing XXXX for them and it is despicable. I myself suffered my XXXX on XXXX XXXX, 2016 due to XXXX and I dont need this happening to my parents. They also discussed my debt with my parents. Telling them if I dont call they will sue me? Unacceptable
I ran my credit report in XXXX and saw that XXXX was reporting that I had XXXX late payments even though I had settled the account and was paying XXXX a monthly payment and was never late. I contacted XXXX and they said they had made an error and would correct it. My bank told me to wait XXXX months knowing I had XXXX until I had to move, so that the credit report would update. When he re ran it today the late payments were still on there. When I contacted XXXX, after being shifted to XXXX different departments and back to the Debit collector I was basically told that even though I was paying the people that bought my account on time XXXX continues to report it as late payments. I explained that I would be homeless and was told tough luck
I received a letter from XXXX XXXX, XXXX sent to my parents home stating I have been served in regards to a lawsuit from Wells Fargo Bank, NA. I was never served! XXXX XXXX, XXXX. XXXX XXXX # XXXX XXXX stated in my letter that I was served. I have only received the letter she sent to the court. The lawsuit is against me and other people who are supposed to be heirs to a XXXX XXXX XXXX who is deceased. It is regarding a foreclosure on her property in XXXX, Florida. I am being sued to pay for her debt. I am not an heir to this person, I have no idea who this person is and I did not sign a promissory note. I live in California and this is in Florida. I do not know how my name is involved in this. The case number is XXXX in the Circuit Court of the Fourth Judicial Circuit in XXXX XXXX Florida. XXXX was fraudulent when stating I was served. I can not believe an Attorney would lie in a court document. I do not know how I am involved in this case as all I have is the copy of the letter she filed with the court and through my conversation with XXXX XXXX XXXX XXXX # XXXX ), who also works for XXXX XXXX, XXXX. I contacted Wells Fargo Foreclosure Department to find out why they are suing me when I've never been a customer of WFB. They then transferred me to XXXX XXXX at XXXX XXXX, XXXX.
equifax shows a car repo from 2008 on my report twice all other agencies do not show it at all after i filed bankruptcy which this was covered in the bankruptcy even if it should be there it should not be there twice this is greatly affecting my credit score