WillisBack/dataset-financial-user-claim huggingface dataset:
Purchased a vechile in  2012 , I voluntarily returned the vechile related to financial hardship. I never heard back from the auto dealer, I was provided with no information regarding the car for possible repossession of the vechile, nor when it was sold. However I did hear from a collection agency asking for {$8000.00} + approximately!   When I request validation of the information according to the law, I received no information but transferred to the collection agency. I began the disputing process with all   XXXX   credit bureaus but was unsuccessful, the item continued to be verified with no prof how. I never received what information was provided or how the conclusion came about.   So I decided to contac t Kia Motors  myself and spoke with the Kia financial office whom then sent me a copy of the contract which was tampered with showing misrepresentation of a legal document in which my husband and I never signed. My address was completely hand written over. According to the law the company must provide me with proper notification for redemption as well as deficiency. As well as being compliant with the 1. Uniform commerci al act 2. Retail installment sales act 3. Truth in lending act 4. Consumer fraud act Upon further investigation, I then spoke wit h the manager from the auto lot where the car was brought, whom then emailed me an unsigned contract with a different  address ( the ad dress which was hand written over the contract after it was signed ) illegally.     Enclosed is the contract in which I received from kia finance department, as well as the contract from the  manager  of  Kia Motors  unsigned with a different address which was not provided via drivers licenses from myself and husband in which the company altered without my consent, nor was it signed when changed, or initialed by me when performed nor was this misrepresentation on the contract upon signing.   Furthermore, What I did not understand is that, if I was present at this time when the address was changed ; why was the contract fully reprinted for me and my husband to sign a clean accurate contact, if this happen while we were present at the dealership, as well as what other information was altered?   According to the  law if one pie ce of the contract was inaccurate and misrepresented then this item would be dismissed for non valid information, contract fraud as well as a criminal act breakage of :  The Fair credit Act 807  using any false, deceptive, or misleading representation or means in connection with the collection of any debt.   Not to mention this item was sold a  two  debt collector whom I have no contract with whom continues to report negatively on my report while the item is closed and listed as a charge off, as well as providing false information to all  XXXX  credit bureaus.
I seen this company on my credit report XXXX XXXX  and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Received a letter from Sunrise Credit Services Inc. stating that I owe {$290.00} for an account I hat in XXXX XXXX XXXX. I have talked to XXXX already and there is no record of me having an account with them, they looked me up with my SS # as well as with my full name and no record was found. I have never used XXXX for anything.
Data Central Collection Agency has refused to properly notate a debt which has been discharged in bankruptcy, even after being provided with proof of the bankruptcy discharge more than a year ago by XXXX. I 'm not sure where to report this, but they held several different medical debts in my name, and XXXX continues to haunt me. It should n't be like pulling teeth to get ALL of these accounts properly notated, and removed.
On or around about XX/XX/XXXX I mailed out a certified dispute validation letter to XXXX XXXX XXXX XXXX XX/XX/XXXX I received a letter from Portfolio Recovery Associates stating that on XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) has concluded its investigation of your dispute and is closing your account. With XXXX balance. But have not removed the negative item from my credit report. I have made every attempt to resolve this matter as the damaging inquiry on my report continues to hunt my credit score. I can not get them to contact me or respond in any form of communication.
Dear Sir or Madam, While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed on  XXXX / XXXX / XXXX .
I have a Dillard 's American Express card. I want to import the transactions into my XXXX software, but I can not. I can not get through to the customer service to get them to establish the online code/link to be able to get the ledger of the transactions.
The reason for my writing is that Honda financial services are being unreasonable. I had XXXX on XXXX XX/XX/2018. This XXXX incapacitated me for a whole month while recovering back to my normal state. As a result, I fell behind on that month, monthly payment. I took the liberty to write to Honda on XXXX XXXX explaining to them what had happened, in regards to this medical condition. They requested that I send them proof of my Hospitalization which I did attach the medical certificate as proof of the sickness and my bank statements which showed I had enough money on my accounts to make the payment were it not for the medical condition. But to my surprise, Honda financial services refused to delete the late payment history of the time I was down due to the medical condition which was 100 % not my intention to be late. I have always had a good reputation with this company. I have Attached the letter I sent to Honda financial services.
Received a credit card bill from XXXX  - XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with balance of XXXX due by XX/XX/XXXX. I paid the balance in full by the establish due date. In XX/XX/XXXX, I received another bill for {$32.00} for Interest charge on purchases. I contacted the company through their customer service department and was told it was just a mistake and would be corrected within 5-days. In XX/XX/XXXX, I received another bill indicating a previous balance of {$32.00} with additional fee charges of {$34.00} for a total of {$67.00}. Once again, I contacted the company through their customer service department and asked to speak with a supervisor. After being placed on hold for what seemed like 15 to 20 minutes, I was told the issued had been identified and would be corrected within 5-days.  XX/XX/XXXX, I received another bill with debits and credits totaling {$74.00}. once again, I contacted the company through their customer service department. I was informed the issued will continue to occur until someone on their end can get in front of it. ( whatever that means ). In the meantime, the company continues to report harmful negative and incorrect information to credit bureaus regarding my personal credit worthiness.
My roof and siding were damaged in a hail storm in XX/XX/2016. We selected a contractor, recommended by the insurance company. We paid the contractor {$10000.00} from our own account to pay for materials to begin. We received an initial check from XXXX, then an additional check after estimates by the contractor, and a final check after the work had neared completion. The total of the checks was about {$28000.00}. All checks were made out to us and our mortgage company. We have endorsed all checks a sent them to the mortgage company, Ditech, along with copies of all insurance estimates, and contractor prices for roof, siding, and painting. Ditech sent an initial reimbursement back to me of {$10000.00}. Ditech hired a 3rd party inspector to confirm that work was completed, and we assumed that the remaining funds would be released. However, they have continued to hold all remaining funds stating that the IRS has rejected the contractor 's tax ID. They state that remaining checks must be made out to the homeowner and the contractor, and will not issue remaining funds until this matter is cleared. Our contractor has made numerous calls and faxes to send them the correct information. They are a long-time, reputable company, actually recommended by XXXX. We are extremely happy with the work. Our insurance agent says he has never heard of a mortgage company insisting that both the homeowner and contractor be named on the reimbursement check. We have paid the contractor a total of {$18000.00} out of about {$30000.00}, but do not have the remaining amount until it is released by our mortgage company.
TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM XXXX AND XXXX. I HAVE DISPUTED THIS ISSUE NUMEROUS TIMES WITH COMPANY AND STILL HAVING NO LUCK. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THIS COMPANY. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.
My friend sent me some money two days ago via Chase XXXX. But they have n't shown up in my account after two days. So I called chase with number XXXX. One of Chase CS told me money was returned to the sender. So I informed sender, he called Chase then, and the answer he got from Chase is money has not been returned to his account. So I called Chase with same number again, Chase CS put me on the line for more half an hour while checking with other team behind, but end up telling me to call another team tomorrow morning XXXX Eastern time with number XXXX to resolve the issue. They do think there is some problem with the money but still have no idea what is going on. OK, I understand investigation takes time. But I just can not believe money would disappear in the first place.
I would like to introduce myself as a citizen of Louisiana and contribute to the economy for many years. My Name is XXXX XXXX XXXX XXXX. I 've XXXX sons that resides in the state of Lousisiana, which are XXXX XXXX XXXX and XXXX XXXX. <P/>I was employed with XXXX XXXX XXXX for 29 1/2 years and a Federal Agency for 2 years. <P/>Both of my sons were employed as XXXX for the State of  Louisiana. <P/>However, after I resigned from a federal agency our credit was destroyed due to discrimination and harassment. <P/>Also, my family experienced several hate crimes in the State of  Louisiana. <P/>In addition, my bank accounts were seized and garnished. The banks are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX. <P/>Today, I am contacting your office to assist with predatory loans with Chase Mortgage Company. <P/>Also, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX for damages to credit and property. <P/>In addition, overpayment for insurance premiums to XXXX/XXXX of Louisiana. <P/>I was assigned to the XXXX XXXX XXXX XXXX as a XXXX XXXX for 2 years. After reporting XXXX  harassment and malfeasance by co-workers the following issues occurred in calendar years XXXX, XXXX, XXXX, and XXXX. 1. Delayed and Loss of Medical Benefits and Annunity payments. 2. Damages to Real Estate and Rental Property : XXXX XXXX XXXX, XXXX XXXX, Louisiana and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX 3. Foreclosure of Property due to predatory loans. ( XXXX XXXX, XXXX represented Chase Mortgage Company ) 4. Loss of Wages 5. Life Threaten 6. Attacked by XXXX XXXX Police Department Please be advised I contat XXXX XXXX, XXXX XXXX for assistance via mail and XXXX XXXX never respond to my inquiry. <P/>Verification of theft and harassment were reported to the XXXX XXXX Sheriff Office and the XXXX XXXX Police Department. <P/>Files ( ROI reference file # XXXX ) and OPM CSA XXXX ) to investigate this matter. <P/>I reported identity theft during XXXX XXXX. For several months I attempted to work with the credit bureau to resolve this issue. <P/>Would your office assist XXXX XXXX to investigate these issues? Also, is there a form I need to complete for assistance with these issues? <P/>My mailing address is XXXX XXXX XXXX, XXXX, Louisiana and XXXX. Please reply with a answer. Thanks for your assistance in advance.
Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major XXXX to remove XXXX  related XXXX in his XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX XXXX. There are multiple e-mails attesting to this fact. XXXX XXXX opted on XX/XX/XXXX, XXXX XXXX   requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX   bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
XXXX and Transunion are continuing to report duplicate account that have been paid in full and should not show on my credit report.
XXXX XXXX XXXX ( a collection agency ) continues to report erroneous information on my credit report. I have made several attempts with the collection agency and the credit reporting bureaus to have this debt validated ( which they did n't ) and removed from my reports but it somehow keep reappearing on XXXX.
I used ebay to sell some old electronics. Without notice Paypal placed a hold on the funds in my account sent by the buyers. Paypal agreement states " Paypal may place a Reserve on funds held in your Business Account when PayPal believes there may be a high level of risk associated with your Account. '' My account has been open since 2000, I have a 100 % positive feedback. I emailed PayPal to explain the hold or why they believe my account is " high risk '' - I received NO response. Paypal agreement states " PayPal will provide you with notice specifying the terms of the Reserve '', I received no notice - I emailed Paypal asking for the terms and if future payments are held NO response. I am a long time customer, I am not high risk, Paypal just wants to collect interest on funds that do not belong t them.
Paypal advertises a 0.5 % transaction fee through bank accounts or using a paypal balance, or a 3.0 % fee using a debit card clearly within their international friends and family transfer page. However, on my account the lesser fees are disabled. I called PayPal customer service, and while they admit it is a problem, they have yet to fix the issue. Since this is false advertising on their part, they should refund the difference. 

This transaction occurred XX/XX/2018, and I was charged US {$11.00} instead of US {$1.00}.
Note : This is my 4th Complaint with the CFPB about the same issue with Experian and I have Disputed this Negative XXXX XXXX account # XXXX Eight times. In my last dispute with the CFPB XX/XX/18 Experian emitted they Did Not do a proper investigation on the item I disputed. Experian have use they XXXX XXXX which is unacceptable according to the FCRA. I Am Demanding a Copy of the Original Signed Contract and a Proper and Internal Investigation get done. If Experian would have did a Proper Investigation this would Not be on my Credit Report. I Have submitted a complaint with the attorney general also! Please remove this Negative account thanks
Experian 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Experian & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Levy & Assoc. have been harassing me for over a year. They claim that I owe Ohio Sales Taxes. They claim they found my name listed with a business that I have NO knowledge of. I tried to explain to them that they have the wrong person and the e response was why are you so upset then? They call me all day everyday from several different phone numbers. Today I opened my mailbox to find XXXX different letters for XXXX different accounts. I feel they chose me because of my past credit issues which I have never disputed. This however is totally different because it 's an absolute lie! It 's a travesty that they would be allowed to virtually terrorize someone on a daily basis just because he has had financial issues in the past. They have told me that the State Of Ohio is after me, this after I just moved out of the State. I have never been in sales and I ca n't possibly owe Ohio any Tax. Instead of finding real culprits, they have settled for a XXXX and if I did have the money they are accusing me of I would hire a lawyer and sue them to no ends for the pain and embarrassment they have caused me!
I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, American Express had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. 

I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as XXXX XXXX XXXX,  but a different suite number. 

When I told XXXX at XXXX XXXX XXXX that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. 

- XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
About 3 months ago I applied for a payday loan of {$600.00}. I received the loan. Since I received this loan I have discovered and been told that in Texas the maximum amount for a payday loan is {$500.00} and can only be for 31 days. Each month for the last 3 months I have been pay {$160.00} a month but they keep refinancing my loan which does not seem to be going down but going up.
XXXX   XXXX   XXXX   XXXX   fr  om  a company called  CDR called my  cell number and my work number to inform me of a debt. Calls were made to my extension at work and several other classroom extensions and the office. He informed all these people that he was a collection company, gave everyone my file number, and told them this was attached to my social security number. I contacted  XXXX   XXXX  and told him to NOT contact my work or work colleagues. I also made payment arrangements for 3 payments.   End of  XXXX  to beginning of  XXXX   XXXX   XXXX   XXXX   from CDR called m y cell number, my work number, and several work extensions leaving messages that referred my file number, and again that my file was attached to my social security number.   He even called the personal cell number of my principal. He has never disclosed how he got this cell number, nor would he say that he would stop contacting my work or colleagues until I agreed to set up further payment arrangements.
XXXX Consumer Financial Protection BureauDear Sir/MadamSubject : formal letter of complaintI am submitting this complaint because I was the victim of a scam, facilitated by the lack of proper process at the bank. My prospective employer sent me XXXX checks to procure supplies, needed to start a new job. I deposited the checks and used the money to purchase equipment ( which never came ), and the checks bounced. 

Since XXXX XXXX 2015 I have been having the following problems : On XXXX XXXX, I deposited a check into my account for the amount of {$1900.00} as indicated on attachment XXXX. On XXXX XXXX all of the funds were available for me to use. I withdrew the money in order to conduct my business. Then on XXXX XXXX I deposited another check for the amount of {$4100.00}, which again all funds were available that same day as evidenced by attachment XXXX. The next day on XXXX XXXX, I withdrew the money needed to complete the business of that day. 6 days later on XXXX XXXX, I reviewed my account and it showed that I was now in a negative balance for total the amounts of the first check and on XXXX XXXX shows the negative balance for the second check. Bank of America made the funds available to me the day after I was victim of a scam and if Bank of America had properly verified the funds, I would not be in this difficult situation. Now that Bank of America was not able to process the check properly and no fault of mine I am being made responsible for the funds. This is unacceptable. Bank of America processed the checks and made the funds available and then determined that they could not get the funds from the institutions that the checks were from they have decided to make me responsible. The funds should have never been made available ir the checks had not cleared. The total amount of the checks has been levied against my accounts for me to pay. I request that Bank of America has a responsibility to have a proper process, and investigate the problem. Bank of America cover the amount of the checks and credit my account accordingly. I at no time during these transactions pushed to have the funds any earlier than what Bank of America made available. I informed to Bank of America by phone and at a local branch, and tried to request and investigation after I reported the problem to the police. ( Case numberXXXX, XXXX, FL Sheriff Office ) With every attempt that I made to pass this information to Bank of America, no one wanted to listen or open a report, and I was transferred to the collections department so that arrangements could be made to pay the money ) The checks were a scam on the prospect of my being able to start a new job. It was an elaborate setup and I carefully researched and the opportunity looked real. It was not. I have all of the paperwork and information on what was done and how they were able to make it look like a valid job offer. Please address this immediately. I anticipate your response. You can reach me at ( XXXX ) XXXX or XXXXXXXXXXXX XXXX. XXXX