WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I leased from XXXX in Indiana, paid the down payment, in additional the shipping fee, with an understanding of delivery for the specific purpose of the leased motorcycle. As of XX/XX/2017, I haven't seen or been delivered the motorcycle, in other words I haven't taken delivery of the product. On XX/XX/2017 at XXXX XXXX. XXXX related a threat of action against me for cancellation of shipment not received, and cancellation of contractual obligation having not be consummated by mutual consideration, by threatening repossession, in order to have repossession, you first have to have possession. XXXX stated in email that the threat was by motolease, a motorcycle leasing company, and that motolease would repossess the motorcycle from the shipper, and thereby require that I pay for it, even though I have never taken possession. That's a threat they can't offer, because again, you can't repossess what hasn't been in ones possession. Additionally within the contract, XXXX as required didn't collect South Carolina taxation , title, and registration fees, in such the bike isn't even registered in my name.
I called in, on XX/XX/XXXX to see if Im eligible for the pay over time feature. I was not but the representative I spoke with advised that if I upgrade my class American Express gold card to and premier American Express that Ill have it automatically. The premier gold cost more as well. I have tried for them to help me but they wont. They have the call recorded where she lies to me to have me upgrade.
I have a Kohl 's charge card where an unauthorized transaction occurred for XXXX on XXXX/XXXX/2018. The individual purchased a XXXX thermostat and had it delivered to their address in another state ( Texas ). I  received an email confirmation showing what the purchase was and that it was shipped for delivery. When I saw where it was going I immediately called Kohl 's customer service. They advised me that it would be put in dispute and that the card used would be closed and a new one would be issued. A few days later I received more emails from Kohl 's advising account changes had occurred. I called Kohl 's and asked what was going on. They advised me since I am not the primary I could n't open a fraud case it would need to be my spouse who is the primary card holder. So the transaction was never placed in dispute and the fraud analyst asked what I had done to have the individual charged. When I first called I alerted Kohl 's that I have the persons name and address and that I want them charged. They are trying to put it on me when it was their lack of security that caused my account to be compromised. I do n't think I should have to do anything and that the transaction should be canceled out.
My mortgage company Megastar Financial changed their billing address, and in the process they also changed my account number. I had been using an Automatic Draft Payment option, which somehow did not get transferred. I never received notice that I had an intermittent payment due, but I did get phone calls Megastar Agents on numerous occasions ( even after I had fixed the problem. ) Then, when I tried to adjust my account numbers, the steps were numerous and cumbersome, and resetting the Auto Draft program was delayed. This delay also happened without Megastar notifying me, until an agent called and threatened me with a Collection Agency. The worst part was that she could even see that I had Auto Draft set up, but that it was n't activated yet.
On XX/XX/XXXX and XX/XX/XXXX requested a loan modification package from Selene Finance, no correspondence from them until the last week of XXXX after several attempts. Submitted loan modification application and supporting documents immediately ( XX/XX/XXXX). Called and left message with ( XXXX XXXX - Point Of Contact - Assigned to my account ) to follow up days later to make sure that Selene Finance received the full/completed package. Did not hear back from XXXX XXXX/Selene, until ( on/or about ) the week of XX/XX/XXXX by mail, acknowledging receipt of my information ; however, Selene had deemed my package incomplete and was requesting more documentation sent to them by XX/XX/XXXX in order to proceed with their review and consideration for my request for loss mitigation. On XX/XX/XXXX called Selene/XXXX XXXX,, no answer, got her voicemail ( typical ), zeroed out to speak with member on her team. The reason for my call was to follow up and make sure that Selene had all of the requested documents in order to complete the package.so that they could proceed with the review. During the call ( XXXX XXXX EST ) I was told that a decision was made on that day to deny my loan modification. I asked the Rep for Selene ( XXXX? ), what was the reason for the denial, at the point she put me on hold for a few moments, when she returned she stated that it had do with my business income ( XXXX. ). During the exchange I had informed her that I've made and was making payments all year, and did not understand why I was not approved on a trial bases. She began to insult me to he point I felt DISCRIMINATED against at which time I ended the conversation. Hours later ( XX/XX/XXXX ), I then receive a call from XXXX XXXX, stating that her colleague forgot to offer me a one time, keys for cash option of XXXX, to move out of my house in 30 days. I TOLD HER THIS WAS NOT AN OPTION although my house is scheduled for an upcoming foreclose sale on Tuesday, XX/XX/XXXX. I proceeded to try an negotiate a trial base loan modification with XXXX and she said No, shortly after that the call ended. 

I am disputing the debt. the debt has not been validated. 

.
XXXX name is incorrect on my credit report. The name is XXXX XXXX. Also, XXXX account shows to be in collection and I do n't know what it is.
on XXXX XXXX XXXX i filed an application online for a loan with big picture loans. I was unaware that i would be paying {$4100.00} for a {$700.00} loan. Big Picture Loans called me and explained my payments would be XXXX every two weeks and to pay off loan it would be {$870.00}. It was implied that i could pay off the loan early and the total cost would be XXXX but was never made clear that the payments were interest only. i was never provided documents prior to accepting the loan to review, only the loan application. after accepting the loan, i became aware of the amount i would be paying in interest for the loan after i acepted it and the funds were dispursed. the rep on the phone was not clear on all details. He did not disclose any of the fees that i read about in the loan docs. I notices a XXXX dollar a week fee if i dont let them take the payment. If was made clearly aware of all these fees and stipulations and total final cost of the loan with details of the exact amount interest would be paid for loan if taken to term, i would not have accepted this offer. This is illegal. The rep was also pushy and speedy. he was rushing me through the process, i believe so i was n't completely aware of all the details. I have done research on the company and found out im not alone. This company has been doing this to many people. this company needs to be closed down it seems like they keep changing their name to avoid repercussion. not only am i asking for help in this matter, I want to know if its possible to bring charges against the company. How do i go about getting this loan dissolved without hurting my credit. they lied to me and illegally and intentionally did not disclose the whole details. in XXXX the ftc act passed a law so that these kind of companies can not use the tribal laws to take advantage of consumers. please help.
In response to CFPB complaint : XXXX In reference to the complaint request regarding a legitimate investigation provided by your company ; I am requesting, by law, to provide me with the investigation that your company did. I am requesting any contacts and ways that were in this investigation. After carefully reviewing your response, you have failed to prove that this fraudulent application is me. You or your company stated that, my signature doesnt match. If you investigated that my signature does not match your record you have no right to continue to collect on this collection. At this moment, I will be contacting the company with the response you have provided to me in your CFPB response. You have requested that I provide my drives license to your company, knowing that my identity was compromised. Yet you ask me to fax a copy of my drives license to your company. At this moment I am requesting any documents or any form of logs used to verify this application to be mailed to me or emailed to me. Thank you
In the credit report the balance on the XXXX XXXX XXXX mortgage account is incorrect it is stating {$0.00} paid as of XX/XX/XXXX. The payments on this account are current last payment in the amount of {$490.00} was made on XXXX/XXXX/XXXX the current balance on the account is {$35000.00}. The bankruptcy was discharge inXX/XX/XXXX the mortgage was not included in the bankruptcy. The statement on the account " delinquency due to extended unemployment '' was put the report prior to the year XX/XX/XXXX. It also states the information would remain until XX/XX/XXXX which is well over 10 years and should be deleted.
Hello, My issue is the following and concerns an international wire made to Coinbase XXXX - Sending XXXXeuros to CoinbaseXX/XX/XXXX - Wire is refused because account name and bank account name do not match, email stating fund are to be refund within 2 business days XXXX - No sign of any refund, company when rogue and do not answer Actions taken : - Mail to XXXXXXXXXXXX and XXXXXXXXXXXX - Submit a ticket with their official website support - XXXX thread - Private Message to all officials Coinbase employees on XXXX - International Phone Call mutliple time with no success
I have disputed a claim through XXXX through XXXX and claim number is XXXX and have not yet got flagship credit services off of my credit report I have spoke with flagship credit services and they said I have to file a claim through credit report. Anyways there was a XX/XX/XXXX XXXX XXXX I have let go back but it shows im 120 days last on a payment I have not had the car since XXXX and I am requesting that they remove it from my credit report because they ha e sold the car and have not contacted me since repossession I do n't know where yhe car is or how much it was sold for they have no right to report on my credit I am 120 days late so I request that flagship credit services be taken off of my credit.
XXXX HAS 28 LOANS LIST ON MY XXXX AND XXXX  AND ONLY ONE LIST ON MY EQUIFAX REPORT. REPORT THAT ARE DUPLICATE LOANS. THEY ARE LISTED WITH XXXX AND XXXX. THE ONE WITH XXXX XXXX ARE OK I HAVE DISPUTE THE LOANS WITH XXXX ON XX/XX/XXXX AND ON XX/XX/XXXX THEY CONCLUDE THAT THE ACCOUNT WERE VERIFIED AS ACCURATE AND HAVE BEEN UPDATED TO REFLECT RECENT ACTIVITY BUT HAVE NOT PROVIDED NO DOCUMENTATION OR EVIDENCE. I HAVE BEEN DISPUTING THIS ISSUE SINCE XX/XX/XXXX AND CONTINUE TO BE DENIED. MY NEXT STEP IS TO START LIGITATIONM AGAINST ALL THREE CREDIT BUREAU.
I was on a joint acct with my son in XXXX 2015 there was a fraud done on the acct he forward the police and the FBI report to the bank they refunded the money XXXX {$500.00} XXXX back to his acct. In XXXX they decided they were going to take the money back out of his acct. on XXXX XXXX so on XXXX XXXX I told my son to get me off the acct so they do n't go into either my business or my personal acct so we closed the acct on XXXX XXXX on XXXX XXXX the bank ( XXXX XXXX XXXX reopened the acct and took the money out of my Business acct in which my son is not on so they should not have touched my money they said my ss # was hooked to that acct but it was n't I opened my business acct with my TIN and my son is not on either of those accts. I went into the bank on Friday and the Banker talk to a guy named XXXX was taking care of it and he would get it back into my acct on Tuesday XXXX XXXX it was put back into my acct by XXXX I closed my personal acct that day XXXX XXXX and by the following morning my money was once again taken out of my acct the business banker XXXX showed me the email from XXXX stating he put the money back into my acct and to have my son make arrangements with their collections department but yet and still they took the money out of my acct and have not put it back so I feel the robbed me they stole {$500.00} from my business and I want my money back. I also checked my acct at the atm when I left the bank and the money was back in my acct so I did see for myself that it was put back into my acct.
My complaint ( s ) :1. ) ACS has refused to answer the questions below. The questions are in response to XXXX XXXX XXXX statement to CFPB complaint # XXXX. Her response contradicts how delinquent items are to be reported under the FCRA. 
My questions : -Reporting the date of last delinquency ; does it start from the date the account first went into non payment status ( i.e. payments were to begin XXXX but a forbearance is added on XXXX account is 2 months delinquent ; does the date of first delinquency begin on the month after the first payment was due PRIOR to forbearance or does it begin at the end of the forbearance ... no payment was ever made before or after )? Considering no payments were made ; does a forbearance negate the original date of delinquency and cause it to start after the forbearance? 

2. ) ACS did not address why it is reported differently on the XXXX credit agencies. ACS stated this account is not being reported on XXXX. It is ... see below. 
XXXX : ACS/XXXX / XXXX. 
XXXX : XXXX / C/O ACS. 
XXXX : ACS/XXXX. 

3. ) ACS is telling me that I need to contact XXXX XXXX to resolve this issue. XXXX XXXX is no longer in business. All the numbers for XXXX XXXX ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.
I sent a certified letter to Equifax dated XX/XX/18, that was received by them on XX/XX/18 challenging the accuracy, compliance and reportability of a entry listing a Bankruptcy on my credit report. I received a dispute investigation outcome dated XX/XX/218 from Equifax  stating that they confirmed the information provided to them by XXXX and will continue to report this information. I placed a security freeze on my XXXX consumer account which was effective on XX/XX/2018, in addition I contacted the Bankruptcy Court to confirm that they do not report any public records information to Credit Bureaus. XXXX is not allowed to release any information contained in my consumer report when placed under a freeze. Therefore, I request that the incorrect bankruptcy be deleted from my credit report because Equifax is not able to properly verify the information they are reporting as previously requested they do via the certified mailing. Thank you in advance for your assistance regarding this matter.
Equifax leaked personal and financial information on hundreds of millions of Americans. I am one of them - the Equifax website confirmed my info was leaked. 

As someone in the XXXX XXXX field, the only explanation for this is gross incompetence. It should not be possible for a leak of this magnitude to take place. 

There should be a full investigation with civil and criminal consequences.
On XX/XX/2018, I filed a complaint against LexisNexis with the CFPB, Case # XXXX, about an erroneous reported bankruptcy appearing on my credit report. I requested they provide me with the original creditors name and telephone number, and who they spoke to that physically verified this account was indeed mine. 
On XX/XX/2018, I received a letter from LexisNexis stating they had indeed verified this account as accurate. I am writing this complaint to the CFPB to notify them that LexisNexis has violated my FCRA rights and I intend to pursue litigation against LexisNexis for monetary relief for this violation. 
In the letter sent to me, LexisNexis states they received verification of this erroneous verified bankruptcy from LexisNexis XXXX XXXX XXXX XXXX XXXX, a company which they indicate sells public records to a variety of customers, including consumer reporting agencies such as XXXX , XXXX , and XXXX . LexisNexis XXXX XXXX has no role in determining what public records relate to which consumer.

This is a violation of FCRA 611 ( 6 ) ( iii ) which I have also included in my complaint. LexisNexis did NOT verify the accuracy of this erroneous account with the ORIGINAL CREDITOR, which would be the US BANKRUPTCY COURT, but instead received it from a third party wholesaler of public records, who by the way, retrieved it from the XXXX system, which is a public records reporting system which legally in court cases has been shown to be notorious for reporting wrong information. I demand this erroneous bankruptcy be removed from my LexisNexis credit report IMMEDIATELY or else litigation for violation of my FCRA rights will be swiftly forthcoming!
Inaccurate account information is reporting on my credit report. Account number XXXX from XXXX XXXX for {$580.00} continues to remain on my XXXX and Experian report after several attempts to dispute it with with both credit bureaus. This account was disputed and deleted from my XXXX  report on the dates of XX/XX/XXXX, XX/XX/XXXX. I have documentation to verify this. 

Which means that it was added back to my account twice illegally under a different amount, {$580.00} without any notification.
My husband and I separated in XXXX XXXX and settled support issues in XXXX County court in XX/XX/XXXX. Equitable distribution did not occur. We agreed in XX/XX/XXXX ( mediated by attorneys ) that he would occupy and assume all financial responsibility of the marital home as I moved to Florida with our daughter in XXXX and had rent and bills of my own. His agreement was to pay the mortgage, taxes, etc until divorce was final. The house was for sale but he passed on XXXX great offers and 3 years later unbeknown to me, he defaulted and filed bankruptcy 3 years after that. Since I did not live at the address and XXXX said ( after the fact ) that they could only mail to one address, I was unaware of what had occurred. I received no communication from my ex or XXXX! They continued to send correspondence to me via mail to an address that was years old. As my credit began to tumble ( credit cards, denial for car loan, etc. ), I ran a report and contacted XXXX to explain the situation and they treated me as if I was in bankruptcy and headed for foreclosure. My credit is outstanding ( minus my ex-husband 's default ) but since this default perpetrated by my ex husband was not removed from my report, I have been denied an SBA loan and HELOC to start my own XXXX. I am unemployed and need to have this removed from my report in order to regain my credit in good standing. I should negatively affected by this reporting on my credit. I am not protected under any bankruptcy and since finding out the gory details, I have moved to get this house sold to stop the foreclosure and expedite a short sale. I understand that XXXX XXXX does not recognize my legal separation or divorce decree, but a few lenders told me that laws have changed and if a letter from the " responsible party '' is presented, the credit bureau can clear this off. Please clarify. In addition, please help me to have this removed from my credit report while I am not proactively working as a mediator between my ex husband and the bank to recover the defaulted funds from a short sale- which I also DO NOT want or need on my credit report.
After checking my credit report in   XXXX   XXXX  , i found a credit card account from  Capital One which i never opened and didnt know about. I called Capital one immediately and informed them of fraud on that account. Capital one s ent me forms to sign which i did and returned to them. They told me they would close the account and remove it from my credit report history. I was assured that the case was closed and complete.     On Friday   XXXX   XXXX   XXXX  , i found a letter in my mail box demanding payment for a ca pital one cr edit card. I checked my credit report immediately and found out tha t Capital One h as been reporting this account as negative for the last two years.I called  Capital One  on   XXXX   XXXX   XXXX   to find out what is this account is all about. I was taken from department to department with no help. Finall  y, the Capital One representative told me they dont own this account because they sold it to a debt collector.
The question Capital One was evading from aswering are : 1. If the account was reported as fraud i  n  XXXX  and   Capital One said it was closed, why did they keep it open and sell it 4 yrs later and report it to the credit report of the person who reported the fraud?
2. Why does Capital One keep on demanding payment from the person who was defrauded and actually reported the fraud?
3. Why cant Capital One send   demand letters for payment to the address they sent the credit card to?
XX/XX/18 XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE XXXX $ ON AN ACCOUNT I DO NOT OWN AND HAVE NEVER HEARD OF. This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
I LIVE IN A BANK OWNED HOUSE. I WANT TO BUY IT. BANK HAS NOT acknowledge or help me. In Me buy it.THE HOUSE I LIVE IS SOON GON NA SELL.I WANT TO BUY IT