WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX keeps calling me repeatedly and also from unknown numbers to try to contact a person who does not live here. It is my sister-in-law who lives in another state. I have asked repeatedly to stop calling me and they will not. They call multiple times a day. It started the week of XX/XX/2018 and they have called today, XX/XX/2018, 5 times and 3 of the times were within 1 hour of each other. I have called and spoke to XXXX directly and 1 live person who actually called asking for my number to be removed as I am not that person and that person does not live here, never has, never will. They said okay and after called yet again, XX/XX/2018 at XXXX XXXX
On XX/XX/17 I went to XXXX of XXXX for a new XXXX. During the signing of the contract I agreed to pay {$550.00} a month for the car and trade in I had. After I had signed the contract it stated {$550.00} a month. Then I get a call from the finance Co. XXXXXXXX XXXX XXXX the guy stated during the call, " he was calling to confirm the payments for {$670.00} a month. I then was frustrated because when I signed the papers it said {$550.00} with a a guy named XXXX who works at XXXX of XXXX. So I go back to XXXX of XXXX and confront XXXX during our conversation he pulls the contract out and shows it to me. I have my cousin in the room with me. So while looking at the contract my signature was change and the monthly payment also along with my trade in value and they added a {$10000.00} buy out i never agreed to. I snacted the paper off the desk and told XXXX this was not what i agreed to. He turns red aggressively asking me to return the paper. I said why did you change the information after I signed the paperwork. So then XXXX agreed to change it to {$550.00} after all the commotion. So I figured everything would be fix after this but, it wasn't XXXX done the paperwork and the next call I got from XXXX XXXX XXXX the guy says your payments or {$640.00}. So this is the 2nd XXXX change the information on the contract. I called for months up to XXXX of XXXX to speak to whoever owns the company they gave me the run around he never returned my calls at all. So I brung this issue up to XXXX XXXX XXXX. Mind you I was never late on any payments trying to figure out how to handle this issue. No lawyers in Delaware handle this kind of case which I find very strange. I tried everything. I keep reading over the contracts for months seeing how this guy XXXX XXXX me around to cheat me out of the money. I really work hard for every day. Then after months of searching I found you guys to try to help me with this issue. So XXXX of XXXX came got there car and sold it with out me knowing about this. Then they send me a bill for {$12000.00} which I do not owe them any money. I had the car 10 months payed on time everytime. I put {$4000.00} down and a trade in. They have reported false information to all 3 credit bureau, that I will liked removed. They stated to the credit bureau that this dept is in collection which is a lie and that they wrote it off as a bad dept. I haven't seen a judge for this matter at all. I had my legal office contact them on many occasions no response. The people at GM Financial left rude messages and responses when the attorneys tried to contact them and played many phone games. I would appreciate if they removed the false information from the 3 credit bureaus and quit harassing me for money I don't owe the this matter is closed with with Gm Financial and no negative remarks should be on my credit report at all. It's been on going harassment. My attorneys XXXX XXXX has been very respectful but Gm Financial hasn't cooperated at all!
I have been disputing a collection with the FTC an transunion I followed all procedures explaining that the debt is not mine and was opened by someone else with my social security number transunion has failed to remove this from my credit report XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX balance showing owed {$3700.00} this debt was never mine and is not mine the following collections agency has failed to provide documentation or proof of ownership as per FDCPA guidelines I have requested all collection attempts stop and I have requested that transunion remove this from my report and they have failed
I contacted trans union in XXXX to complain that the my payment percentages were incorrect. I have missed 1 student loan payment ( XX/XX/2017 ), and yet my ontime payments are showing 95 %. I also explained that my scores with both XXXX and XXXX are both approximately 100 points higher that trans union is reporting. They temporarily increased my score by XXXX points after their investigation, and I thought all was resolved. I checked my score today only to find that they have once again lowered my ontime payment percentages when I havent missed any payments and my score has once again dropped drastically!! How is this legal??
I am filing this complaint because XXXX | Trans Union | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.
XXXX XXXX XXXX- Synchrony bank- 1- This problem has been ongoing and never resolved even after multiple calls and CFPB complaints- read them and weep! Your agency does nothing! Complaint again! I never received a written reply from the company as to why they misinformed me and would not allow me to make payments., although, finally able to resolve making payments that letter and to date never came! 2- Their so called automated payment automatic answering still does NOT WORK even though they claim to be working on it. IN my opinion a scheme to make money off of late charges and charge higher interest for failure to make that payment on time. XXXX XXXX XXXX purchase Credit Plan 5  years no interest. I now owe late charges and fees again and the payment which was once resolved is NOW higher then they themselves provided! So, once again, when is your agency going to be who you claim to be a PROTECTION agency and assist?
There is a credit account showing up on my credit reports that don't belong to me. The account is CBNA with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.
My complaint is regarding my SunTrust credit card. They will not refund me the money from transactions with XXXX ( since XXXX issued a partial refund, SunTrust has washed their hands of the " investigation '' ). I have tried to resolve my dispute with XXXX, but XXXX is not responding to my complaint that I made with the Better Business Bureau. XXXX issued a partial refund. My credit card company, SunTrust, " investigated '' my disputed amount and will not remove the charges. 

I have XXXX recorded stating the price. Please listen to the call with XXXX which is recorded below ( Sorry that I had to send a link to a video of the conversation, I did not  have conversation recording software on my phone at that time ) : XXXX XXXX XXXX XXXX My SunTrust credit card should protect me from these dishonest practices, but they will not. SunTrust 's " investigator '' did not even contact me regarding this. I spoke to a supervisor at SunTrust who indicated that, SunTrust will not help me any further. That is one of the main reasons to use a credit card, protection during purchases.
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX  for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX Email : XXXX XXXX
I have never had XXXX. Not sure why this is on my credit report or where it came from.
I am joint on a credit card with my sister. My sister has charged it to the limit XXXX twice. She and her husband paid it off in XXXX 2015. At that time I was to be removed from the account after 30 day to ensure it would be reported correctly on my credit report. However, when I called to make sure I was removed, they said the account had been closed, but they would have to reopen it to ensure proper in reporting, so I said in thirty days I would be removed. So they never removed my name because they say my sister does not qualify on her own and just opened it with me still on it. Now she has run it up again, and has not made a payment in 4 months. This is negatively affecting my credit because the balance of {$10000.00} is a XXXX of my income she makes almost {$XXXX} a year. I have been on the phone with the credit card company 2 hours at a time on two different occasions and they refuse to remove my name from this credit card I do not recall authorizing I did not authorize them from the beginning. I do n't know this. I do n't want this burden of this that reflected on my credit report and negatively being reflected on my credit report.
We were charged for 2 different bogus amounts from something called " XXXX XXXX '' first onXX/XX/17 for {$280.00} and for {$240.00} by CitiCards. They were informed that these were bogus charges, credited us and then claimed that there was " proof '' that they were legitimate charges and then recharged us. 

" XXXX '' is apparantly a XXXX website that is all in XXXX letters -- neither read nor spoken by us! 

I've called and written them but I don't know what else to do.
Upon pulling a credit report I discovered this account and have written XXXX separate disputes between XX/XX/XXXX- XX/XX/XXXX. I have received two letters back showing original creditor and amount owed without proof of account such as identification or signature that belongs to me. Upon calling today XX/XX/XXXX I spoke with XXXX different representatives and still no resolve. I refused to verify any information due to the account not belonging to me. I also repeatedly asked for the procedure that I need to follow to get his taken care of. I was told that I could not be helped unless I was willing to verify my identity. I was also hung up on after trying to get the proper information for 14 minutes. This account is fraudulent and I have repeatedly expressed this to the company. At this point they have not helped me and this is something that is not only damaging my credit but also preventing me from purchasing a home for my family.
XXXX XXXX XXXX has XXXX checks with the dates being XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I want to find out who cashed these checks. I know this information is over 7 years old but I want an official inquiry into where this information still exists. I want to maintain this complaint until this whole matter is resolved completely. This is an old federal student loan and I never cashed these checks and XXXX @ XXXX XXXX claims I did. They say I signed the checks and cashed them within a few days.
I have had a Sears Mastercard since XX/XX/XXXX. Back in XX/XX/XXXX or XX/XX/XXXX of this year, I added my boyfriend on my account as an authorized user. Prior to doing so, I called customer service to verify how the process works because I did not want to tie my boyfriend to my address because he does not live there. I was advised the card would be in his name but would be sent with my name on the envelope and because they don't take any other personal information besides the name, it wouldn't affect his credit reports or attach him to my address. Yesterday, I received a pre-approval letter in the mail from XXXX XXXX with my boyfriend 's name on it. I immediately contacted Sears customer service about their privacy policy as it states they do not sell your information and spoke with an account manager.  She told me to prove it was then and hung up on me. I DID NOT AUTHORIZE for Sears to sell my information used to conduct business with Citibank to another credit card company they're not affiliated with. This is a strict violation of their privacy policy. Sears is the ONLY company ever to associate my boyfriend 's name with my address. He has not been added to any other credit card, all the utilities are in my name at my house so there is no other way to tie him to me besides adding him as an authorized user on my card.
I was inquiring this debt and XXXX tricked me into paying for it once I found out It was under the bankruptcy he acted like he did n't know and said that we owe them money that is why he charged us
the company is a debt buyer.XXXX XXXX in 2015 they purchased an account from XXXX XXXX. the account XXXX XXXX was fraudulently obtained by identity theft and the XXXX account has subsequently been removes from my credit report However XXXX XXXX Remains. I explained to XXXX XXXX i reported this to the ftc, multiple disputes with XXXX and XXXX only one dispute with XXXX  and it was removed with XXXX it still remains with XXXX and XXXX who agree the dispute is valid yet it still remains. If the originating account has been proved fraud and removed how is not the debt buyer of the fraudulent account. This is affecting every aspect of my life in a very bad way. It is unfair i feel as though they are strong-arming me. Again when the originating debt is proved fraudulent how is not this fraudulent as well.
I opted into a new account feature called Categories whereby the bank was going to group my spending and savings history. However, they did not deliver on this promise. Instead, they caused unavailability to my account history information, including access to transactions over 30 days and all check images. When I called to get support, I was told that they were unaware that this " feature '' had been rolled out to consumers/customers and they had limited knowledge of the technology. Someone should be safeguarding the consumer so that financial institutions can not treat us as hamsters/guinea pigs to test out software or feature sets that have not had internal validation testing. I rely on this information for multiple reasons. Today, I was attempted to file my federal income taxes, and some of the payments I have made throughout the year help me validate my own records. Not having availability has significantly thwarted my efforts to file my federal income tax return timely.
I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central FInancial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX . XXXX XXXX, IL. XXXX ( XXXX ) XXXX Account # : 1. XXXX - opened XX/XX/XXXX-closed XX/XX/XXXX JPMorgan Chase & Co XXXX XXXX. XXXX XXXX XXXX, IL. XXXX Dear Sir or Madam : I am writing to dispute in regards to my checking account, which was closed without anyone telling me why? I opened acct. with Chase on the day mentioned above with the upmost of good intentions. My SSI check and my child support check is deposited monthly. I was wondering since XX/XX/XXXX why, would your bank chose to just close my account? I tried to pay a bill and my card was denied! So I called the bank and was told that my account was closed and, I will be notified by mail! But what happens to my direct deposit checks? How am I to get my money? I am a single mother with XXXX sons, I have bills to pay! Im a very honest person. I feel that someone in the bank should have set down with me and told me why my account was closed. 
If you are wondering what took me so long to contact you on this matter, the reason is I didnt know what to do. 
I would appreciate a response from you in writing or email. Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX CC : Consumer Financial Protection Bureau Federal Trade Commission Office of the Comptroller of the Currency Federal Reserve Consumer Help Center FDIC Consumer Response Center National Credit Union Administration
Back when I was younger, I missed a payment or went over my available credit once or twice on my Bank of America credit card. They hiked my interest rate up to XXXXXXXX. I have been paying in full, never going over limit, and keeping my credit card in good standing for the last 3 and a half years and the company refuses to drop my interest rate or increase my limit.
XXXX/ Navient. We paid off the final balance of our bill on XXXX XXXX, 2017 ( almost {$10000.00} ). Almost a month later ( on XXXX XXXX ), they " pulled '' another monthly payment for {$220.00} from my bank account. I called and asked for a refund, they said they 'd send it within " 30 days of the last payment '' ( which THEY created and pulled ). There is no option on their website to STOP their pull payments. The representative on the phone lied and said it was a push payment from our bank -- which is completely and veritably false. I suspect they are doing this to all of their clients and making money off the interest.
On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. My credit score was wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   XXXX   XXXX  .
Property taxes were removed from our escrow account twice, XXXX XXXX and XXXX XXXX, but Ditech is refusing to apply the refund back to our escrow account. They have completed XXXX internal audits and still can not explain where {$690.00} is. We have made several calls as well as sent several emails but never get a response. They refuse to allow us to speak with a supervisor. Our escrow account was short to pay homeowners and flood insurance in XXXX because they refuse to credit our account.
State of Alabama reporting a erronous amount of money due from a $ XXXX/mo child support payment from XX/XX/XXXX where in XX/XX/XXXX I paid a {$7000.00} lump sum payment to avoid jail time. This debt amount is incorrect, it is over 10 years old, it was removed from my credit report before. Under the Fair Credit Reporting Act this is in violation on my equal rights. I did not borrow any month from the The State of Alabama for payments to my ex-wife and my daughter is XXXX years old. As stated I have contacted Equifax in which The State of Alabama verified before the debt should not be on my credit report.
I originally was offered a DOJ principal reduction modification via XXXX XXXX XXXX. Once it transferred to Nationstar, the modification process took over 2 years, and thankfully I was granted a modification. I accepted the trial payments, however when I was advised that I was going to have payments increase over time and also a balloon payment of o $ XXXX, I was not sure what to do. I waited for the actual approval, which I turned in so as not to lose the home to foreclosure. I revisited and modification, and I realize it is just going to be too much for us and I wanted to proceed with a HAFA short sale. I was denied the HAFA because apparently there was a foreclosure sale date posted within 30 days and there would not be enough time to review. This does not make sense as I have been trying to do a workout between XXXX XXXX XXXX and Nationstar for over 5 years! My family and I feel worn out, stressed, scared now because I keep getting notices and people coming to our home saying that we have foreclosure sale dates. I thought that with the Homeowners Bill of RIghts this was no longer going to happen and foreclosure sale dates would be placed on hold. I appreciate that the sale dates have been postponed, however, the fact that the sale date is seen by the real estate voltures is very stressful both mentally and physically. For over 5 years I have been submitting documents in the hopes that I would be granted the DOJ Modification principal reduction. I do n't want to lose our home in foreclosure and I am being proactive in trying to sell the home under the HAFA program. I have paid the trial payments thus far as I was hoping to keep our home but again with the way things have recently changed in my company, they may cut my hours again. The issue with Nationstar is that they have not removed the foreclosure sale dates even though the Nationstar representative assured us that there was no longer a sale date. Apparently in their system, if they see a foreclosure sale date within 30 days they ca n't allow us to review for a XXXX short sale. Why are they just postponing for 30 days rather than postpone until the matter has been resolved? Why would they do this if we are in a workout and also trying to prevent a foreclosure, seems to go against the government regulations. It seems they do this to then say they have granted us so many postponements that we are denied a review? Thank you in advance for your assistance in this matter.
On XX/XX/2018, a payment to my phone bill that I did not authorize came out of my Huntington account. The money was not in this account so my account was overdrafts. The payment was attempted two other times, which I also did not authorize, and three overdraft fees have been assessed, one of which I got returned. The total amount I am out so far is {$75.00}.
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX  pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to Equifax, XXXX and XXXX  are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX  and Equifax reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
XX/XX/XXXX    CFPB : RESPA  Section 6 -  Please have JPMChase refund to me its erroneou s  XX/XX/XXXX   {$5.00} Late Charge on my ARM Loan and notify Credit Bureaus of Error.     Truly,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , IL  XXXX