WillisBack/dataset-financial-user-claim huggingface dataset:
Received  XXXX  letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with  XXXX  credit Bureaus Transunion,  XXXX  and   XXXX   since the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my Transunion report which made it seem like I had  XXXX  past due accounts instead of just  XXXX . Transunion reports originally showed as follows :   XXXX   acct ending in  XXXX  balance {$3600.00} opened  XX/X/XX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened  XX/X/XX    XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XX    XXXX   XXXX   XXXX    acct ending in  XXXX  balance {$3100.00}  XXXX  shows both  XXXX  accts the same as Transuion but no   XXXX   XXXX   XXXX   accts.  XXXX  shows no   XXXX   accounts but the   XXXX   XXXX   XXXX   shows as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XX/X/XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XXXX  None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from   XXXX   XXXX   XXXX  . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed  X/XX/XX  so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against Transunion and in doing so Transunion deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened   XXXX   {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XX/X/XX  {$3500.00} which is still incorrect. Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.
The client 's identity was stolen and as a result a credit card was opened with Citi. The client did not sign an application for credit nor did he ever produce any identification for said credit card. Citi was notified of the fraud by the client who is a XXXX and does not speak english. Citi is attempting to make the client obligated for a credit card which was obtained fraudulently. The borrower did not understand the process nor understand Citi 's attempts at making the client liable for the fraudulent account. The client has hired an attorney to assist him with the fraudulent account. Citi has been notified to contact his attorney for all necessary dispute process. Citi mortgage must investigate the true identity of the person who applied for this account as the client did not apply for said card. Credit card amount issued was approximately {$8000.00} only and the client is receiving collection notices with an amount of {$21000.00}. Citi is continuing to hold the client liable for a fraudulent account.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX SSN : XXXX D.O.B. : XX/XX/XXXX Credit bureau XXXX, XXXX, Equifax According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Thank you for your prompt assistance in this matter. 

XXXX XXXX
The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.
My GAP credit card from Synchrony Bank, was closed by the bank because of non activity. When called to find out why they have done without prior notice the response was it was there in the fine prints in the card agreement. My card is valid till XX/XX/2015. My concern is if some is not using the card this is not a reason to close it. Secondly at least I should have got XXXX prior notice that also not happened. So the bank should have give the card for 24 months if that is the validity. By providing more validity time period they are misguiding the customer. And the customer like me are getting impacted in the credit history. Unlike other card this has this unique feature. So I want people to be aware of this bank card.
On EBAY, I had to take down all my items. I 'm locked out of Paypal for the forseeable future. 
It 's all got to do with the XXXX. I sent it as they requested, choosing to do it by mail, certified, instead of over the internet. The tracking shows they got it on XXXX, last Monday, and it was signed by someone named " XXXX XXXX. '' I verified this by talking to a postal employee of the station - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, which delivers to the Paypal address I mailed to. I verified the address - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, over the phone with a Paypal customer rep, and online as well. I tried talking to a couple of so-called " supervisors, '' which was a joke. They claim they have n't got it, despite the signer 's name, on record. They are claiming that if I do the XXXX the way I was trying to avoid, then all will be fine. I do n't trust the internet or the phone with personal info. I know that you guys ca n't necessarily help with getting me back on Paypal, but I would think that it would be important to know, if they ca n't hang on to a simple piece of certified mail, and lose someone 's personal info. At this point, I have heard verbally by XXXX different people via phone, that they do n't have my XXXX, and I have XXXX emails stating they do n't have it as well. These XXXX emails could easily be generic emails, because it 's really obvious they have no real interest in communicating with anyone, just getting rid of them. So this is my complaint - they appear to have mishandled my personal info, and I want to know just where it is.
I went to the Well Fargo banks web site to get information on refinancing my current auto load ( Well Fargo web page attached 3.83 % if a banking customer ). When I went to the bank I told them specifically I wanted to # 1 lower my interest rate on my other car loan ( 4.99 % Note : not with WF ) and # 2 also wanted to put more money down to take out a smaller loan amount ( XXXX more down ). I told them my XXXX score was in the low XXXX 's ( Note : I was within XXXX points of what I told when they checked my score online ), I provided the last 2 years of XXXX 's to prove income of over XXXX. I have no debt other than the car loan and own XXXX houses outright. I stayed there at the Well Fargo bank for 3 hours and at the end of the process they came back with a 6.6 % APR on a loan of XXXX. They told me I needed a XXXX score in the XXXX 's to get the web 's lowest advertised rate. One would think that before they financially damaged me by lowering my credit score ( credit check ) to do the application they would have said I needed an XXXX+ XXXX score to get the false advertised rate that XXXX could n't meet the criteria for. I believe that the ad saying " must have excellent credit '' is totally misleading and should state the XXXX score they are looking for. I feel that it was like a bate and switch scheme to get you to come in so that they can sell you a product that does fit your needs or goals, even when you tell them upfront what you are looking for. Plus they did financial damage by lowering my XXXX score for this waste of time! They could have given me an answer within 30 minutes that my XXXX did n't meet their criteria for a lower rate than what I had. Well Fargo seems to have reboots that just punch numbers into the computer without knowing the product they are selling nor what the underwriting department is looking for in terms of a simple XXXX score. They should have a simply computer worksheet to plug in the numbers to get an estimated quote without checking you credit first or going thru the complete application process. People that come in to refinance are not there to get hidden higher rates as WF tried with myself ; a smaller loan with a high 6.6 % rate I do n't win there yes lower monthly payment due to me taking out a smaller loan but higher interest ; I end up paying more in the long run ( very deceptive practice ) if you are not savvy to catch it.
Equifax has allowed an unauthorized inquiry to be placed on my credit report and I 've disputed it twice, with no assistance. On XX/XX/XXXX and XX/XX/XXXX, I disputed an unauthorized inquiry from a company called XXXX XXXX XXXX. It 's a company I have no knowledge of. My disputes were received in letter form.
I have been applying to receive a lower monthly payment from Navient since late XX/XX/2016. I am on an income-based repayment plan, and the amount increased from {$180.00} to over {$400.00}, which I can not afford. I have submitted every document asked of me, and every letter asked of me, and done so quickly and responsibly. Every time I call to check in on my income-based repayment recalculation, I have to start the entire process over again as the employees are not taking notes and no one is updating anything in the system. Also ( and I hate to complain about this, but it is true ), every time I call there is a language barrier that makes things more difficult and slow-going. I get put on hold several times and not a single phone call has been shorter than 45 minutes. Finally, when I have submitted the documentation requested, they have taken several weeks to review what I have sent, and then denied the recalculation because the documents " expired '' in the meantime between submission and review. It is now almost XX/XX/XXXX, and no recalculation has been made, however, they just keep putting off my bill 's due date for the " inconvenience '' while my account continues to accrue interest. I am starting to believe that this is all a tactic to get me to give up and pay them the large monthly amount, which I can not do. This has been the most frustrating experience I have EVER had with a financial institution. This is a crooked company that does not care about it 's account holders ( most of which were assigned to them and never wanted to be their customers in the first place ). Navient clearly has horrible management skills and I feel incredibly sorry for the employees they 've hired overseas who have to deal with the brunt of all our frustration with this crooked establishment.
Roboalls are from ERC. When I have answered the phone in the past all I got was instructions to call another number. CFPB has contacted the company before, and the company said that they have no information about me. But they still keep calling.
I called Armor Systems Corp., a debt collector, to inquire about the contact information for XXXX XXXX. XXXX ( the debt holder ) so I may proceed with verifying the actual debt. I spoke with a manager, XXXX XXXX. She refused to give me the contact information for XXXX XXXX, belittled me, used a condescending tone, was nasty, mean spirited, and down right verbally abusive. Her level of unprofessionalism was shocking. Her abusive words brought me to tears. XXXX told me that she " would not give any information until I pay them some money ''. Thousands of people do not have health insurance/coverage in this country. Having medical debt should be handled with care and empathy, not ridicule/judgement or threats.
Huntington Bank bought out XXXX. I had a checking account with XXXX XXXX. I attempted to access my account through Huntington, but could n't. When I called Huntington they said the account was closed, because I owed {$70.00} something to my XXXX XXXX account, which had been sent to collections. My very last communication with XXXX XXXX was an email saying my account was low, but not overdrafted. Huntington told me to contact XXXX XXXX ... which, of course, does n't exist any more. I have received no communication with either Huntington nor with any collections agents. Huntington 's staff was incredibly rude and unhelpful. I was hung up on twice, and they kept rerouting me to different departments. No one would give me an employee ID number, even when I asked. The names of the employees I did talk to was " XXXX '' XXXX she would not give me her last name ), and XXXX XXXX.
i got a letter from PayPal inc charging me {$99.00} from nowhere? 
i dont know why they are cahraging me that amount? 
First, i dont have credit with paypal inc second, i buy on XXXX, XXXX but my debit card is charged every time i use it. 
please help me avoid this scam
I would like to file a complaint regarding the repayment of my students loans. 
1. The total amount due is incorrect 2. There are no deferment, forbearance, unemployment, or hardship options available for me.

3. Being harassed EVERYDAY with calls and emails about loans.

I am not attempting to avoid making payments however, I was not out of school 30 days before Navient began calling me! They have called every single day and emailed every single day and Ive communicated that I am looking for employment, living with a friend, and not able to make payments at this time. I have asked for deferments or forebears but to no avail!
I do not owe this debt I continue to contact the company and credit bureaus in letters to dispute and it still remains open. I wish to have it removed seeing as it is not mine, I have no knowledge of the account and have never done business with this company or the original creditor.
On XX/XX/XXXX I read online about an increased offer of XXXX miles after spending {$5000.00} within the first 3 months of opening on the capital one venture card. I clicked on the link advertising the offer and confirmed the terms on the application page. 
I applied and was approved for the card. After spending the {$5000.00} I logged into my account and saw that they deposited XXXX miles. I opened the online chat to ask them when I would receive the additional XXXX miles. The agent stated that my account showed I had an offer for XXXX miles after {$3000.00} spend. I told him that was not the offer on the application I filled out and I wouldn't have wasted the hard inquiry on my credit for that offer. I only applied for the increased offer. He transferred me to a supervisor who held firm. I asked what date the promotional offer ended and he said he didn't have that information. He gave me a phone number to call. I called the number and basically had the same conversation with this rep. They said they would open a case and someone would call me back on XX/XX/XXXX. I never received a call. My complaint is that capital one didn't fulfill the terms offered on the application which I filled out and was approved for. I did a XXXX search and found that the increased offer ended on or around XX/XX/XXXX 15 days after I applied.
Student loans being reported by XXXX XXXX, XXXX, XXXX XXXX XXXX and Department of Education. XXXX XXXX, XXXX, XXXX XXXX, and Department of Education. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 
Although I am attaching only my XXXX Credit report this affects all credit bureaus. 
I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
I went to a atm in XXXX and the machine didn't give me the money I request. It stated that the machine was out of money. I called Child support XXXX card XXXX. I advised them of the problem. The customer service rep stated that they were going to mail me out a fraud investigating form which I had to sign and send back ... Calling every day since XXXX no resolution was ever offered to me.. Finally XX/XX/XXXX comes around and I received a emailed stated that a credit was applied to my account of XXXX which was the amount of the atm miss dispend. XX/XX/XXXX I received a letter from XXXX card stated that the investigation was completed and the credit would be permanent. XX/XX/XXXX comes around they took the credit back for no reason. I have call the company on several occasions however it is XXXX now and my issue is still not resolved. All the company keep saying is we are investigation and fill out a ticket for this to be reviewed. I just want my money back. Its been 3 months.
[ XXXX ] RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : XXXX- This revocation applies to any and all future debits. 



Sincerely, XXXX XXXX XXXX
O n XX/XX/XXXX  , I mailed Transunion a verification request to verify inaccurate information on my credit report. The two inaccuracies was  State Tax lie n and Bankruptcy. I asked Transunion to give me the furnisher of information on these  two  derogatory item. I asked specifically to give me the name and phone number of person that they verified with. According to FCRA laws, I am entitled to this information. Transunion completely ignored this request as they have with previous request and sent me a generic letter back stating the item are accurate. They also stated that the furnisher of information is  US Bankruptcy Court Northern   District of  XXXX . This is completely false information from Transunion. The US Bankruptcy c ourt stated that they do not give any information whatever to the Credit Bureaus and that the credit bureaus use 3rd party database  collectors  to get information. I feel that Transunion has violated the FCRA act by giving incorrect information about how they verified my request. They should remove my derogatory information completely because they did not provide accurate data for my legal request and a penalty should be imposed on them.
When applying for the loan, borrower costs provided to us over the phone was different from final borrower costs on the disclosures. Approximately XXXX $ had been used to buy down the interest rate and financed into the loan, thereby increasing the loan balance significantly. This appeared to have been done with the sole aim of appearing to be competitive. When asked to pick a different rate, several additional fees were added, again bringing up the final borrower costs for the loan.
I previously submitted a Consumer Finance Protection Board dispute ( XXXX ) in which I disputed a XXXX day late mark reporting erroneously for XXXX Account # XXXX. Equifax replied that the account was reporting paid as agreed. As of XXXX/XXXX/15, the account is reporting a XXXX day late mark again via Equifax. I need an explanation as to why this was reinserted to my account and why I was not notified in advance. Credit Report # XXXX supplied by Equifax on XXXX XXXX, 2015 will show the account reporting paid as agreed, no lates.
XXXX Bank froze my accounts due to fraud concerns - they highlighted multiple names associated with my SSN based off a Lexis-Nexis Accurint report. I called Lexis-Nexis, which indicated that XXXX XXXX and XXXX XXXX have my SSN. I have recent versions of my XXXX CRA reports but none indicate these names. Lexis-Nexis is pointing fingers at the CRAs, but the CRAs do n't seem to have any idea what Lexis-Nexis is talking about.
My name is XXXX I 'm with XXXX out of XXXX, TX. We are a franchise XXXX and XXXX motorcycle dealership. I had a customer ( member number XXXX ) bring me drafting instructions from USAA for a motorcycle that we sold him. I titled the motorcycle and faxed all necessary paperwork to USAA expecting them to honor the draft the customer brought to us. 2 weeks after I had already given the motorcycle to the customer, and titled and registered it. I find out ( from the customer, not USAA ) that they will not honor the draft. The customer was unaware but he filled out paperwork for an auto loan and not a motorcycle loan. He was unaware of this at the time or he would have corrected it, it was not his fault. The fault lies with USAA 's loan officer, they had the VIN number and should have been aware of what they were buying before producing the loan document. USAA is unwilling to take any responsibility for the flaws in the way they conduct business. So, now here I am as the dealer with a sale that fell through that we worked so hard to earn and a motorcycle that is not in the same condition as when we sold it, and instead of making a profit I 'm at a {$650.00} loss on the deal because I 've already paid taxes on it. Also, my poor salesman that worked so hard on this deal will have a negative sales commission on his next payroll. 
Needless to say, I will not do business with any customers that come in my dealership with a draft from USAA. I will make them find financing elsewhere if they want to purchase anything from us.