WillisBack/dataset-financial-user-claim huggingface dataset:
I have not had any success removing this incorrect entry on my Experian credit file. It returns as verified, but It is too old to be on my credit file. The last payment was made on XXXX XXXX. Thank you. 

XXXX XXXX XXXX Account Number XXXX Auto Installment Loan {$3600.00} Past Due Date Opened XXXX/XXXX/XXXX Account Status Closed
Mercedes Benz Financial allows their dealership to at their discretion mark up the interest rates. I was offered 7.8 % for a car with the same LTV and trade in terms as my new car I purchased. However when I went to XXXX, I as able to get the same loan@1.9 % and {$1000.00} down. I am a woman XXXX I feel like I have been discriminated against.
I obtained loans through XXXX XXXX ( Navient ) for a total of XXXX. To date I have paid back XXXX. I currently owe {$40000.00} over XXXX more than I originally borrowed. I accrue interest at a {$210.00} a month. Even at the suggested payment of XXXX I 'm only paying {$200.00} to principle and it will take me 17 years to pay off and I will have paid nearly {$110000.00} on a {$32000.00} loan. I find this disturbing. I have paid nearly $ XXXX and nearly $ XXXX of that has been interest only. There should be limits on the amount of money that a lender can charge. Being unable to afford {$410.00} per month only means that I 'm going to end up paying even more.
My XXXX Aunt went into your Capital One bank in XXXX, NY in XX/XX/XXXX. She had an IRA Annuity from XXXX that was issued in XX/XX/XXXX. She indicated that she wanted a fixed income for life. Instead of annuitizing her existing contract which was paying a higher annuitization rate due to the fact that it was an older contract issued when interest rates were relatively high, the Capital One agent, although the objective was current income, put on the financial profile that liquidity needs were low and she had a 9+ years time horizon. I do n't know of any XXXX with that kind of investment time horizon. Liquidity was paramount. On the Regulation 60 the reason for transfer was " need for Lifetime income ''. And they said " the reason the current contract could not meet the client objective : " it is a fixed annuity ''. In fact, the existing annuity could have provided a higher annuitized amount as it was an older contract, issued when interest rates were higher. A fixed annuity that was 11 years old could ( and should ) have been annuitized as it would have paid a higher rate of return. To make matters worse, as an IRA from which Required Minimum Distributions had to be taken, by using an immediate annuity, she is being forced to take much more than the required amount, therefore pushing her into a higher tax bracket and causing her Social Security to become taxable as a result. Nothing was done for the benefit of this woman. Because of their greed they put her in a very bad position financially. The only reason for exchanging the annuity was to put a commission in the pocket of the agent. This is taking advantage of Seniors at the least. At worst, it is FRAUD. The contract never should have been approved for sale under these circumstances.
I was sent into collections for i guess a XXXX account opened in XXXX i do not live their and havent lived their in 6 years i live in XXXX i know who i think did this and i have reported to police and federal trade comission. also i have froze all my credit reports. i am having no success in having this removed from my credit.
XXXX lowed my credit score on XX/XX/2018 by 69 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

Equifax lowed my credit score on XX/XX/2018 by 59 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

I understand how credit scores work and my score should have increased instead of decreasing.
In XXXX I brought a vehicle from XXXX XXXX in XXXX XXXX, North Carolina. The financing was through Chrysler Financial. Monthly payments were {$570.00}. I had been current on the payments until on or about XXXX XXXX, XXXX. Around this time, I received a phone call from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Collections Department. He described a payment of {$340.00} the car would be paid in full, and I would receive my title from Chrysler. I promptly paid {$100.00} on XXXX XXXX, XXXX and {$240.00} on XXXX XXXX, XXXX. These payments were made over the phone with my debit card. I received receipts from XXXX XXXX for both payments. After these payments, I received nothing from Chrysler or XXXX. I did not get any late payment notices, nor any title. Chrysler called me on XXXX XXXX, XXXX at XXXX XXXX and XXXX XXXX, XXXX at XXXX XXXX. In the second call, Chrysler told me they would cure the debt by repossessing the vehicle. As this was the first time hearing about the car in over a year, I was confused. XXXX and XXXX XXXX had told me that the car would have been paid in full. I have spoken to XXXX and have been told that XXXX XXXX is no longer employed there. They also told me that the debt I paid off was for some other consumer debt with XXXX XXXX XXXX. I am not aware of any debt owed to XXXX XXXX XXXX. I have spoken to Chrysler, who told me they did not know anything about XXXX XXXX, XXXX, or XXXX XXXX XXXX. Chrysler has agreed to pay the car off and take title for {$8200.00}. I am not sure if the vehicle is worth that much, and I am concerned that I had previously been told that the vehicle was paid off. I believe that I am a victim of some scam with XXXX or XXXX XXXX XXXX. Further, Chrysler Financial has a debt collection agency hounding me with threatening phone calls throughout the day. They have called me at XXXX, and have told me they have come to my house on several occasions. However, Chrysler has told me they have not sent the repossession notice yet. I am concerned about my previous payments with XXXX, and what Chrysler is doing with repossession.
XX/XX/XXXX I received from the human resource office of XXXX XXXX XXXX a copy to Writ of Garnishment of something sent from the Circuit Court XXXX District of XXXX County against me for the amount of {$3100.00} which occurred on XX/XX/XXXX. 
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX ( Couch, Conville, & Blitt, LLC ) to the XXXX XXXX, LA address that was provided on the document. It was supposed to arrived on XX/XX/XXXX but did not due to the wrong address on the document. When I called to get a corrected address and told them what had happened, the clerk didn't want to talk to me until she got the last four digits of my social and she can find out who I was so she could start the recording. She said her line that this was attempt to collect a debt and I was being recorded. She looked up the account and said that the debt was back in XX/XX/XXXX and could I make a payment in full. I hung up since I did not want to be recorded or her alter her statement to be my statement. I resent the letter on XX/XX/XXXX via certified mail as of XX/XX/XXXX it should be there. The new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
XXXX XXXX Account reporting with a a balance of {$500.00}, a past due of {$330.00}. That information is incorrect, my balance is {$460.00} with a minimum balance of {$0.00} and monthly minimum payment of {$35.00}. I have attached a screenshot of my account as of XXXX/XXXX/2016. Both Transunion and XXXX have updated it however equifax claims that they have verified this false information. I have also attached the letter straight from XXXX XXXX. 

I would like the remarks " Dispute resolved ; customer disagrees '' for XXXX and XXXX because i no longer dispute or disagree also would like the " Dispute resolved ; reported by grantor '' by XXXX XXXX
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

Also I have been in contact with the office of XXXX XXXX Attorney General of the state of California under the advise of the FBI Internet crime division - XXXX XXXX.

XXXX XXXX has very quickly resolved the XXXX XXXX, XXXX XXXX, Walmart accounts and found them to be fraudulent, the XXXX XXXX XXXX XXXX Card on the other hand I have not heard from, it has been over 6 weeks now since the original dispute, over the time frame given in the FCRA 2009 Section605B ( a ) requires CRAs / Data furnisher to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days.

I have supplied Synchrony Bank / Synchrony Financial with all the proper information under the FCRA & the FDCPA to fully investigate and delete this account, it is absolutely upsetting how the other accounts which presumably have the SAME info as the XXXX XXXX XXXX XXXX account were all finished and processed quickly and this is going over 6 weeks!!!

I will be opening a inquiry with the AG office of XXXX XXXX in regards to Creditor Negligence, I have supplied all the federally mandated paperwork to the creditor at hand.

AND to top it off the creditor is reporting this account as still being paid as I will show in the file attachment.

I truly just want this resolved as fast as possible as Synchrony has been outstanding in the previous 3 accounts. I will once more state that this account can not be transferred, sold, or be collected on under the FDCPA 2009 as the proper authorities have been notified.

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
on XXXX XXXX XXXX furniture store in the XXXX had as big sale online, they promoted ACIMACREDIT, they stated you can get up to 2000 approved. so i apply and received XXXX   approved. XXXX furniture store told acima we received our merchandise and i have not received anything yet and today is XX/XX/XXXX. i called acima they were very unprofessional and didnt give 2 XXXX about them taking money out my checking account knowing XXXX is right around the corner. this is completely fraud! i need help with removing this off my credit and for them to stop charging me for things i dont have
I am filing a complaint about Experian, because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Experian responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.
Im not sure of the exact dates. But within the last 7 months ive submitted letters to to Equifax, XXXX and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.
On XXXX XXXX, 2016 I attempted to get my XXXX Free Credit Reports on XXXX. However, only XXXX opened and I was able to print. I received an error message for Trans Union and XXXX. I requested TransUnion & XXXX by email directly from XXXX, on their website, on the " Contact Us '' page. 
I explained on XXXX XXXX, 2016, I requested my free XXXX major credit reports through XXXX. Only the XXXX Credit Report was received and printed on XXXX XXXX, 2016. When I attempted to open and print Trans Union I received an error message, which was exactly the same result when attempting to open and print XXXX 
They replied by mail and stated I had already received my XXXX report, however I could purchase another copy for XXXX. I have n't heard from Trans Union. 
I also called the customer contact number, left a message stating the same problem. Never received an email in response as requested. I did state how ridiculous a XXXX copy request would be, if I already had my annual credit report. This is a lot of inconvenience and time consuming tasks, especially if XXXX grants another copy. 
My problem is paying for the reports. I have to borrow XXXX, due to my total disposable income is XXXX per month. 
It has taken weeks to get a reply, therefore stalling everything unnecessarily.
several accts were previously mentioned : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.
There is an old outdated item listed which I feel is past the statute I disputed and requested validation and nothing has been received. Please help me
In a previous dispute by mail with Experian submited in XX/XX/XXXX, their reply was they will not re-investigate any request until i provide information to conduct future investigation which I did again in XX/XX/XXXX notarized letter and certified mail. I sent proof of innacurate information from the same source compared with the other 2 bureaus After completed the inevstigation their results are updating accounts with same innacurate information causing damage to my credit report for posting false information in a clear violation to the FCRA providing innacurate and false information. 
Also asking to Experian to open their files to compare with my records and they never sent me anything or even a contract betwen me and the creditor accounts under investigation or dispute.
I recently applied for an urgent loan with my credit union. When they tried to pull my credit report from Transunion, they were told that no information was available. My credit union called Transunion and were told that I needed to contact them. When I contacted them they told me that for some reason their system/company has XXXX different files for me and they need to combine the files before they could release my credit report. When I asked how this happened as I have never had a problem before they said it was just a system problem and that all I needed to do was send in a copy of my social security card and they could resolve my issue within XXXX business days. I immediately sent in my card copy as requested and after almost XXXX weeks they still had n't been able to get the issue resolved. I called them everyday, and everyday they told me it should be working now, but when my bank went back to pull the report they were still not able to obtain it. I call them, they tell me it 's okay, the bank calls and they say they are n't done working on it yet. I have asked several times to speak to a supervisor and have not been allowed to do so. Now today, my bank has reported that because of their lack of ability to obtain my credit report from Transunion they will not be able to grant my loan request and are closing out my application. The issues with my report are solely those of Transunion 's system and to no fault of my own. The other reporting agencies are n't having a problem, but my bank only uses Transunion who refused to correct THEIR error. I read online that this has become a normal practice for them and many people have complaints. In the meantime, my credit report is still unavailable and because of this I am unable to obtain an urgent loan that I need.
today is XXXX/XXXX/16 Dear cfpb, I have a cash only prepaid debit card with bluebird, handled by American express. I can only add funds to it by going to XXXX, with cash. An electronic transfer was made into this account by an online credit union on XXXX/XXXX/16 for XXXX cents. On XXXX/XXXX/16 another online transfer by the same credit union in the amount of {$2500.00} was made and then withdrawn 5 hours later. Later the credit union realized their mistake and asked bluebird to return the funds which were already withdrawn from my account. Bluebird refunded what funds were left in my account to the credit union, {$190.00}. All these transactions were done without my knowledge and I was not aware of this until I went to use my bluebird card and found out it was frozen. 
I 've called both the credit union and bluebird countless times with an unbelievable assortment of stories. I just want my {$190.00} back. Its a cash only prepaid debit card, this is a pretty much an open and shut case, but American express refuses to help. I gave the credit union the transaction numbers that were given me thru emails but they said those numbers do n't match ones they typically use and could not talk to me further about the matter.
I tried canceling my membership and have been running around in circles for almost a month now because I have been forced to be the middle man between them and their horrible billing company, ABC Financial. I did EVERYTHING the club asked of me to cancel, yet ABC has a completely different set of rules, which keep changing. The club says I am cancelled but ABC says I am not. They then make up new rules and claims and are trying to collect even more money and not closing my account. Customer service and management have not helped or followed up in a timely matter. As a consumer I have never been put in such a terrible position and I know many, many others have also had this problem. I would pay the extra money they now say I owe and therefore are refusing to close my account but I 'm afraid to give them credit card information or that I will pay them but continue to be charged, just like last time. Both I have requested a letter from both ABC Financial and XXXX stating my account is paid and closed and that has been ignored.
I was the victim of identity theft and was contacted by XXXX XXXX regarding a loan that was past due. I advised them I am disputing this as I never opened any lines of credit with XXXX XXXX. This was in XX/XX/2017 and it is still showing on my credit report.
I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained. 

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically. 

I have also filed a complaint/report with XXXX XXXX County Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc report.
I find that the Bank of America online banking website for my   XXXX   XXXX   XXXX   card lacks enough basic information in obvious locations to educate consumers on their processes. This practice seems predatory. The statement balance amount and due date are n't automatically populated when you go from Account Overview to the Bill Pay Center tab of the site, which creates an extra step prone to human error while transferring the information from one place to another. The Bill Pay Center tab also does n't provide sufficient information, anywhere, that explains the different between  e-Bill  and  Recurring  Payments. When you try to establish an automatic payment, the website warns you that it takes a complete billing cycle to go into effect. My  XXXX  balance was paid twice (  XXXX / XXXX /  XXXX   &  XXXX / XXXX /  XXXX   ) and the latter was my e-bill initiated payment, which I was led to believe would NOT go into effect until it was time to pay my  XXXX    XXXX   statement. The website should provide a warning that my e-bill initiation would cover a specific statement. Consider elderly people, people living paycheck to paycheck, or young credit card holders that can not afford the mistakes that the BOA website seems designed to lead people to make. The mobile application is not much better! Until recently, your monthly statement balance was not easily located and also required poking around on lots of screens until you discovered useful information like statement balance.
We took 15 yr. home equity loan from Chase Bank back in XX/XX/XXXX in amount of {$20000.00}.
I have completed 15 year loan terms in XX/XX/XXXX by paying on monthly basis {$130.00}.
So, I paid back to Chase total of {$23000.00} but they processed only {$5100.00} toward principal and collected {$18000.00} as interest Now Chase is requesting additional {$14000.00} or they are going to collection. This is an outrage bank practice collecting in interest almost as much money as loan amount was. Is there any consumers protection available in case like this?
Hi there my name is XXXX I have a loan with Westlake Financial Services, they have been contacting my father to get information and payment from him for my vehicle loan which I am on alone, no one else is or ever has been on there with me. They called me 45 days past due saying my car was up for repo unless I payed the XXXX in full. Just needing clarification of this is right? It does n't seem secure that they are talking to someone who is not on my loan who I do n't feel should be involved in anyway. Please give me advice here. Thank you.
I have recently had a flood in my house and received a disbursement from my insurance company for around {$41000.00}. XXXX forced me to turn these funds over to them ( presumably so they can collect the interest while they hold on to my money ). Since then, I have been dealing with their internal documentation process which has caused delay after delay after delay. They are denying paperwork that is completed properly to cause delays. Every time I call to get a disbursement, I am told it's 4 to 6 days out. My leak was on XX/XX/XXXX. I sent the check to them on XX/XX/XXXX. It is XX/XX/XXXX and they have still not mailed a check to me to pay for my repair work. I have already had to pay {$5000.00} out of my own pocket to pay for the work to get started and I don't appreciate them holding my money and refusing to mail me any amount to pay for the repairs I need to have done in my home. Please get them to escalate a check to me immediately for at least {$10000.00} to cover my initial payment of {$5000.00} and give my contractor another {$5000.00} so he doesn't walk off the job!