WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX my truck was stolen from the XXXX area at a friends house. I notified my insurance company XXXX which referred me to my gap insurance since I only had liability on the XXXX truck. I was notified by XXXX XXXX XXXX XXXX that they had my vehicle and acquired it on XXXX XXXX, XXXX. I immediately notified the Gap Insurance company who said they would send adjusters out to assess damages and next steps and that I could check the website for updates. the lot would only hold my truck until XXXX XXXX, XXXX according to the notice, I informed the insurance company of this as well. Around XXXX XXXX I contacted the lot where my vehicle was being held to inquire of the adjuster had been out since there were not any updates in the system and time was running out. I was informed that the lien holder came to pick up the vehicle on XXXX/XXXX/XXXX. I received no information for the lien holder as to the status, I forgot to mention during this same time frame, end of XXXX I received an email for the gap insurance company that they would not be paying a benefit because they got a report that the vehicle was repairable. 
On XXXX XXXX, XXXX I got an alert from XXXX that my credit report has changed, that 's when I learned that Santander had listed my vehicle as a repossession. I had the loan for approx. 2 years and I have never missed a payment even through vehicle being stolen. When I contacted the company I learned that the truck was going to auction on XXXX XXXX and if I wanted to get it I needed to pay {$1500.00} at this conversation it was around XXXX XXXX they claimed they sent out a notice which at this point I had not received regarding their intent to sale the vehicle. I did get a notice of a certified letter on XXXX/XXXX/XXXX. My issue is I am being penalized for my vehicle being stolen, and to call it a repossession after never missing a payment on the vehicle is absurd their explanation is because they picked up the vehicle form the lot it was a repossession, I could have very well picked up the vehicle if it was n't for the fact that I was told by the gap company to wait for an adjuster to go out, they can call it anything else but a repossession does not represent me or what happen in my circumstance, not to mention the damage it will do to my credit I have been working on for an entire year! 
I do n't know where else to turn and Santander is not even considering changing it from a repossession, Please advise on what I can do -- Thank you so much.
Merchant Credit Guide XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I 've received calls from this company as early as XXXX AM. I can provide phone records from XXXX.
I have accounts that i disputed and transunion refuses to remove, even tho XXXX  and XXXX  already removed the items, i provided them with a dispute by mail and i have the confirmation of postage, here is list of items i want deleted from credit report, XXXX XXXX XXXX {$3000.00} BALANCE XXXX  XXXX {$1500.00}
XXXX XXXX calls from phone # XXXX every day, 4-5x per day at my place of business. I have tried numerous times to answer the call so I could speak to someone, but once I answer, the call hangs up. I have contacted them 4 times now to request them to stop calling. Just today, when I recognized the phone number, I answered it on speaker phone. There was an automated message with a name on it. I then called them back to give them the name. They notified me that they cant stop our calls based on the name. We have to provide the specific telephone #, which is impossible for me since we have a phone system that rolls over if unanswered in another state. we also have individual direct telephone numbers that will also roll over if unanswered. I advised them to have their IT dept figure out how that name provided was entered, so they would be able to trace the phone number. So far, nothing has been done. This has gone on for 2 months now.
Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXX COMPANY 1933.
My name is XXXX XXXX I have been in arrears with my mortgage for 22 months. I have also been applying for a modification for 2 years. Nationstar Mortgage gave me such a run around after one year and a half they finally approved it. I was sent paperwork to sign and return. Problem is they added an additional {$76000.00} to my loan this they refer to as " New Money '' according to them this is charges, taxes, interest and fees problem is that I have been calling them for approximately 2 weeks requesting a complete break down of this " new money '' and I have not received it. Can someone please help me, please. I have to sign soon or I will loose modification and loose my home.
On XXXX XXXX, XXXX I made ACH money transfer from XXXX to my checking bank account, and payout was estimated to take place on XXXX XXXX, XXXX. Although Transfer status in XXXX showing ( Complete ), I have not received anything yet!. I tired to contacted customer support multiple times through ticket opening but have not received any response!
I am having  XXXX  credit cards from  Citi : 1 )  Double cash back  XXXX  for many years  2  )  Citi Visa Card  which  XXXX  changed it from  XXXX  to  Citi Visa  last year.   I was using the login id and password for few years and it has got  XXXX  factor authentication also.     For last  XXXX  days - my login id is not working and even password reset feature not working. Just now called Citi and I was told that there were attempts to hack my account and they had blocked my login id, what??? Without even informing me? they have all the contact information about me, why in the world they should do something like this???   And why in the world citi or visa or mastercard is self praising themselves for their fraud detection.     I need to re-register my cards and create a new login id. - that 's total waste of efforts and time especially when i am having at least  XXXX  grands of transaction every month with them.
Midland Credit Management has given my information to different debt collectors in the area and my harassment has increased. I have gotten about XXXX letters from different agents pointing that they got the information from Midland and that i 'm about to be sued or should declare bankruptcy. This is an over reach and harassment started by Midland Credit. They acquired a debt that I had worked out with the creditor before hand and have been harassing every since. Before this, I was receiving up to XXXX calls a day.
A few accounts were removed from my Transunion report on  XXXX   XXXX     2017 and  reinserted.
Never received any notice of debt to pay just appeared on my credit report. The amount is XXXX but I never received treatment at this facility.
Opened new credit card for my son, XXXX/XXXX/XXXX, XXXX credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the XXXX account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the XXXX Checking account, therefore zero reason not to pay other than XXXX illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. XXXX did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.
I started getting denial letters from creditors and I pulled my credit report and I notice some inquires on my credit report that do n't belong to me.
Merchants and Professionals has been unable to provide proper documentation validating this account. I am seeking immediate action and to remove this negative information permanently from my credit reports. Merchants and Professionals is in violation of the HIPPA laws. I have sent multiple letters on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$140.00}. This is the letter sent for validation of the account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this amount? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of the request for validation to the XXXX Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
At approximately XXXXXXXX XXXX on XX/XX/2018, I received an email from Amex Serve indicating that my card was " in a negative balance. '' I immediately checked online, and discovered that my card had been charged {$790.00} by " American Express Stores. '' Upon calling the customer service number, I was informed that " the system '' had experienced a 'glitch, '' that my account was " fine, '' and they were " working on the problem. '' It is now Wednesday, and despite numerous calls to customer service ( and being placed on hold for an average of 1 1/2 hours each time ), my account is still in a negative balance. I spoke with someone named XXXX from the Fraud Department at approximately XXXXXXXX XXXX EDT on XX/XX/XXXX. " XXXX '' admitted that the problem was at their end, that I had done nothing wrong, and the problem " should be fixed by lunchtime. '' Well, here I am, still with a cleaned out account, and when I call AMEX I get a recording advising that they " are experiencing unusually high call volume, please call again later. '' I just called again, and after giving the representative my identifying information, she claimed she couldn't hear me, and disconnected the call. Now I am on hold again, after the previous hour 's wait. This is inexcusable on several levels ; first, that the " glitch '' happened in the first place, second, that there appears to be no remedy, and third, the inept customer service.
I tried to order my XXXX credit reports through XXXX on XXXX XXXX, XXXX. I was able to get my XXXX report right away. I could not get my Equifax report because I may have answered a loan/credit card question wrong that had occurred in XXXX ; this cut me off from getting both my Equifax and XXXX reports. 
That evening I called XXXX to see if I could get my reports through their automated system. The system said that my order was complete for my XXXX free credit reports and that it may take up to 2-3 weeks to receive. 
In the middle of the third week I tried to call them to see what the delay was and to see if they were EVEN on the way. I 've been over their site, over the XXXX credit reporting agencies and there is no way to talk to someone about this without sending something in the mail to them and waiting even longer for communication. 
I finally talked to someone here at the CFPB to see if she could find any contact info so that I could talk to a live human. The only thing she finally found after 10-15 minutes was a number for Equifax. I finally talked to a human and she would not allow me to get my reports and told me to write a letter ; what good is that going to do when I have tried on-line and by phone. 
Here it is now, 4 weeks since ordering my reports by phone and they are still not here and there is no human for me to discuss this with. I even tried an old phone book of mine that had the XXXX credit reporting agency 's numbers. Equifax rang and then went dead and XXXX number tells you to go online ; still ... .no human contact to solve this matter. 
I have a letter of Full Faith and Credit from the Secretary of State- XXXX XXXX , but ca n't even get my own credit report!
Opened an account with JC Penney while making a purchase in the store in order to receive a discount. Total amount came to {$150.00}. This total amount was paid via electronic issuance from my bank XXXX XXXX XXXX XXXX/XXXX/XXXX. No other purchases were made on this account. Received a statement from JCPenney showing a balance the next month. My thought was that the payment had not been received at the time of the statement generation. Received another statement the next month that included a late fee on the statement. I contacted JCPenny and indicated that they made a mistake and that payment had been made to them. They requested proof of payment which I provided. There was an issue with the account number however, they assured me that they would be able to locate the payment by name/ dollar/ amount and trace information provided by the bank. They indicated that was probably the issue with the delay of application to my account. They removed the fees and a few months later it happened again ... I repeated the same thing and then they removed the fees and made a notation and submitted the account for research. I provided information again and also hosted a 3-way call with my bank. The bank confirmed the payment. I also provided a copy of my statement showing the money being taken out of my account. About 6 more months went by and I started getting collection calls. To each one I told the representative the same thing and provided the same information. Finally I wrote a letter to the CEO complaining and received a call back from customer service. They took the issue under advisement and promised they would resolve it. The collection calls continued and I tried desperately to get it resolved. By this time it had been over a year and JCPenney/ Synchrony bank was negatively impacting my credit as well another account that I had with Synchrony Bank for my XXXX 's account was directly negatively impacted. I received letters from Synchrony Bank informing me that they were lowering my credit limit from the current {$1200.00} to {$800.00} then it went to {$600.00} and now to {$300.00}. This happened each time I paid down my balance. I went back and forth between my bank and JCPenney/Synchrony bank both holding their positions. XXXX maintaining that the payment was made and accepted by JCPenney/Synchrony and JCP/Sync maintaining that they never received my payment and it was still owed. In XX/XX/XXXX/ XX/XX/XXXX I started received collection calls from XXXX XXXX XXXX indicating that they had ownership of this account and I had a balance of {$430.00}. I explained everything to them and provided the same documentation. They said they would note the account and open an investigation. At the end of XX/XX/XXXX I received a letter from XXXX stating they received a debt validation request for the account with copies of the XXXX statements and indication that the debt is still owed. At this point I am not sure who is at fault, Synchrony or XXXX however, what I am sure of is this money came out of my account and was sent and this has been paid and is not owed.
I have made many attempts to contact Transunion to remove the XXXX account from my credit file. This account does not belong to me. I have been a victim of identity theft and Transunion is reporting several addresses that do not belong to me as well. These address includes XXXX XXXX, XXXX XXXX, NY XXXX and XXXX XXXX, XXXX, ID XXXX
I am filing this complaint because Experian has ignored my request to provide me with documents their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. Thank you
This was previously corrected inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.
I opened a Performance Select Checking account online on XX/XX/28 with PNC Bank. 

My opening deposit was {$2000.00}. 

Since opening the account, I have been unable to set up an online account or obtain a Debit Card. I am completely restricted from my funds.

I have called twice to either obtain online access or have them mail me a Debit card. Both times they say that I have to visit a branch, even though they have searched and found no branches within 150 miles.

I can't even get them to mail me a signature card, which they say is also needed for the account.
Over a period of a year the following occurred: 
Dishonestly told me they could not establish a payment plan unless I made a down payment and committed to a monthly payment I couldn't afford. Threatened that if I didn't begin. Along these payments they would garnish my wages. 
Omitted multiple requests to change my address, leading to never receiving ability to dispute an administrative wage garnishment. 
Placed administrative wage garnishment while not allowing my fair right to dispute. 
Despite their unlawful methods of implementing my garnishment, I attempted to  set up loan rehab and on XXXX) occasions of providing the requested info, I was told they never received it. And after (6) months of compliance, I was told these payments were not considered adequate since they "never" received my documentation. They would consider restarting the program after I finally requested I would no longer comply unless all contact was in writing and requested verification of what my balance was based on, since it doesn't match my loan info. They claimed this was a cease and desist, and would no longer deal with me or provide me with any additional information. 
Despite $XXXX in the funds they've recovered my balance has not gone down. To date they still reflect me owing the,  a balance of $XXXX. 
They have yet to provide adequate information breaking down the costs my debt they claim I owe. The info that was provided to me, only accounts for approx 30% ($XXXX) of the balance they claim I owe them ($XXXX). 
Finally after months of attempting to dispute the garnishment they finally rescinded it after I filed a complaint the myeddebt website. I provided hardship paperwork, however FAMS, nor their "special accounts" will discuss my account. I was directed to contact my Ed debt, Whom directed me back to FAMS, despite explaining their refusal.
On XX/XX/XXXX, I received a letter from this company, indicating that my account had been closed. THEY closed it, based on an internal review, which included my credit score to determine my credit worthiness. Based on this review, they decided to close my account. This account has been inactive, but had a XXXX balance. This seems punitive, given that the account was paid, and when active, paid on time with no delinquencies. This does have an impact on my credit score/utilization. Contacted the creditor to resolve the issue, and they were unhelpful.
Ability Recovery Services has violated FDCPA by reporting a debt they could not validate to credit bureau 's. Ability Recovery Services is using a false instrument to collect a debt that does not contain my signature. I would also like to point out that the instrument they use is also a contract of an agreed XXXX months which I have already have submitted proof of payments. They have also reported to XXXX " Status as of XX/XX/XXXX - Unpaid : Date of 1st Delinquency XX/XX/XXXX ''. I have enclosed 'FACT ' information to their 'Delinquency claim of XX/XX/XXXX ' that it was paid the month prior and after XX/XX/XXXX. 

Since I 've contacted Ability Recovery Services of their shady practice of submitting a false instrument to collect a debt they have ceased contact with me but the information still remains on my credit report. 

I 'm submitting FACTS:1. A contract that does not contain my hand writing signature2. Proof that I paid for services of the two months in the contract they submitted. 
3. XXXX Report containing delinquency they reported as of XX/XX/XXXX, along with my proof of on time payments of XX/XX/XXXX
I disputed XXXX tradelines in my credit file & report that does not belong ( XXXX XXXX XXXX, XXXX ). The company reporting the tradelines had no right to be reporting any information on me to any CRA. As a XXXX issue, the information is also inaccurate and incomplete. I disputed this information with Equifax, XXXX and XXXX. XXXX has recently deleted the XXXX tradelines. Only Equifax & XXXX are still reporting. To date, I disputed the tradelines XXXX separate times directly with each CRA. I also disputed the alleged accounts with the furnisher directly on at least XXXX separate occasions. At no time did the CRAs forward to me any documentation supporting how they veirifed the information & tradelines. I want the items deleted asap because at no time was the company a creditor of mine nor were they working on behalf of a creditor of mine and Equifax & XXXX did not & could not conduct a reasonable investigation under the statute without the proper authenticated documents. Also, how could this information be deleted in my XXXX credit file but be verified in my Equifax & XXXX credit files & reports.