WillisBack/dataset-financial-user-claim huggingface dataset:
We have been working with Presto Auto Loans of XXXX arizona. We had taken out a loan XX/XX/XXXX for {$5000.00} and now as of XX/XX/XXXX we have still not come to any conclusions or resolutions. Presto Auto Loans has since reported our vehicle as repossessed to the credit companies and we do not know where the vehicle is! They have not cooperated at all with our complaints and desire for an inquiry, we have made countless calls that have fallen on deaf ears. Countless emails have been written to the supposed " vice president '' XXXX XXXX but his replies are of a snarky rhetoric that demands we go to the police as it it now a " police matter '' we also have been told that the car has been reported " stolen ''. Nothing has been done on Presto 's part to help us with the investigation and have been extremely uncooperative.
I received a call from this Account Control Technology at XXXX  XXXX time from XXXX. I was n't able to answer the call, but called back at approximately XXXX. I followed the prompts and got " XXXX '' on the phone. XXXX took my cell number and attempted to contact the department that was handling the claim. XXXX came back and told me that that department was closed and that I 'd have to call back. I asked how that could be since they JUST called my house. She said that they were calling to " get my attention ''. I asked what would have happened had I answered the phone, and she started to repeat herself. When I tried to ask how they could possibly have closed in the 5 minutes it took for me to return their call, she got irate and screamed into the phone " have a nice day! '' and hung up. I called back, and got her on the phone again. I told her that I 'd be reporting the calls, and she hung up the phone on me. I have no idea what this company is calling about, and I want the calls to stop if they have nothing to do with me.
I contacted Citibank to file a dispute on charges debited from my account by XXXX XXXX in XXXX, Florida. I conducted business with this company over the telephone for credit repair services. The company did not do anything to repair my credit, more than 90 days passed from the time I paid the company and nothing was done on their behalf to assist me with the credit repair services they promised. I contacted Citibank on XX/XX/XXXX and filed a dispute for the charge of {$300.00} debited from my account on XX/XX/XXXX and for {$500.00} debited on XX/XX/XXXX. I reached out to XXXX XXXX and the individual I spoke to told me they were not going to refund my money even though they have not provided the services they promised for {$800.00}. I decided to contact my bank fro assistance. Citibank denied my claim on XX/XX/XXXX based on the fact that the information I provided was not enough to support my claim. I did business over the phone with this scammers that fraudulently stole my hard earn money. I did business over the phone with the company off course I do not have anything from them to show to Citibank, I never signed any documents with this company, I provided my information to them in good faith that they will deliver on their promise to assist me with credit repair in turn I get robed for my hard earned money and Citibank allows that to happen I am their client. They are not taking care of my claim as a consumer.
The below address is not mine. I have never lived at that address. 
XXXX GA XXXX
I was locked out of my checking and savings accounts with Navy Federal for failure to pay enough on my credit card bill. I was unable to access any of my money while XXXX and unable to work and fell behind without access to my accounts. I was told I could not access it until enough had been paid on my credit card and no access in two years.
I have been receiving calls on my work phone about an unpaid debt from someone named XXXX XXXX. This person does not and has not ever worked here and this number has been used by my company for many years. I receive a call about once a week and have been receiving them for a few months now. The call is automated and I am never connected with an actual person that I can talk with to correct this issue. There is a phone number listed at the end of the call.
on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XX/XX/XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.
Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. Equifax, XXXX, and XXXX   responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.
In XXXX XX/XX/2012, my mortgage was with XXXX XXXX XXXX and they sent a letter stating I neededto raise my flood insurance coverage. This caused a hardship and I found out from a mortgage company that because of the wording in my mortgage they could not raise this coverage. They would not listen to me when I spoke with them so in XXXX XX/XX/2012 I opened a claim with the CFPB - case # XXXX. With your help the issue was resolved and it was determined I did not need to raise my flood coverage. XXXX sold the servicing of my loan to Nationstar Mortgage. I have received another letter almost identical to the XXXX from my XXXX claim stating I need to raise my flood coverage. I have documentation to provide and am asking for you to once again review their request to determine its validity.
My credit information including personal information, was involuntarily divulged by this company to unauthorized users.
XXXX XXXX 's store credit card. I am having an issue with late fees. I called numerous times to try and get them to send me a bill. They assured me it would be coming in the mail. When it did eventually come they charged me a late fee. I call customer service and they said they would remove the charge from my account. They never removed the charge and assured me they would. At one point the late fee was the only outstanding charge in the account, I did n't pay it so they charged me another late fee on top of the first late fee. They have records of all the phone communication and wo n't reverse the second late fee despite it being due to the first late fee they said they would reverse. The long of the short of this situation is the company did n't send a bill and charged late fees when they should n't have. They also did n't honor their commitment to reverse the first late fee, which triggered the second late fee. Now they still want the late fee money.
Fraudulent charges of {$830.00} made at the XXXX XXXX in XXXX MD were put on my credit card by Capital One. The purchases were made with another credit card on XX/XX/XXXX. 
A Capital One representative called me about the suspicious charges on XX/XX/XXXX with a card that ended in the four digits XXXX. I told her I had no such credit card ending in those numbers. She called me back on XX/XX/XXXX and said it was a non-existent card. I was told by her the matter was over. On XX/XX/XXXX Capital One mixed the fraudulent charges with my actual purchases, confusing all the interest charges. The charges were in dispute at this time. 
Capital One threatened to leave the fraudulent charges on my card, if I did not send them a clear front and back copy of my Driver 's license. 
Capital One refuses to address the issue at the center of these fraudulent charges. That is ; How can charges be placed on my credit card when the XXXX XXXX supervisor in XXXX MD told me my card was not the card used to make the purchases? And how can a non-existent card clear?
I have a car loan through Fifth Third Bank and can honestly say I regret going with them for my loan. I have NEVER had this much trouble with a bank than what I have with them. I recently got married and had a last name change, therefore I also switched insurance companies. They sent me a letter stating they needed an updated insurance policy, my initial thought was no big deal I will fax them a copy. I called them to make sure I had the correct fax number and to let them know that it would reflect my new last name not the one they had in the system, but everything else was the same and my car was insured. They then looked up my policy number to try and link my insurance instead of me faxing it. Again, I thought that would be easier so I went with it. However, they then tell me my insurance policy is not active and that I have no insurance. ( Which I know is not true since I have everything in front of me proving that I do, and make the monthly payments. ) They said I should call my insurance company. I called and I do in fact have insurance. Then I call Fifth Third back and ask does it matter what my last name is as long as it shows that the VIN on my car and the VIN they have has insurance. I was told yes and that I need to come in with my ID, insurance card, and a letter from my insurance company. Keeping in mind they know I am not local and in fact live about an hour away. They would not fax or do anything over the phone with me. I also work at a job with set hours so I get off at the same time that they are closing. Making it a real inconvenience considering I already live far away from the nearest branch. Now I have to leave MY JOB early to give them information that could have easily been faxed in the first place, oh and not to mention this all has to be done by the XXXX of THIS MONTH. I will NEVER recommend this bank to anyone nor will I EVER open another account with them. Their lack of consideration and care for the customers really showed today and I have NEVER been so displeased with a bank before.
My SunTrust checking and savings accounts were closed a couple of months ago. I never received a check in the mail for the balance.
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I called SunTrust customer service and they told me that I MUST go into a branch in order to resolve the issue. I was told that a check would be reissued the same day at the branch.
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When I got to a SunTrust branch in  XXXX , NC ( I literally had to fly there, as I currently live outside of SunTrust 's coverage in California ), I was told that they would have to put a stop payment on the previous check and wait 24 hours before issuing a new one.
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24 hours later, the branch called and told me that in order for them to issue a new check, I would have to purchase a surety bond for 25 % of the sum of the check. This was contrary to the information the branch had received from the helpline and forwarded on to me the previous day.
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I asked the branch if there was a tracking number for the first check that had been sent to my house in   XXXX   XXXX  , FL. Maybe it was stuck at the post office the whole time? They called me back and said that they could not provide that - either there was no tracking number or they did not have access to it.
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I would like to note that the branch in  XXXX , NC was great. It 's a lovely town and the people who work there were very nice and helpful. They were just given incorrect and inconsistent information by SunTrust corporate.
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I have already been waiting months for my account balance. I have spent a significant amount of time and money trying to resolve this issue. I 'm not purchasing a surety bond unless the bank is paying for it.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Received phone call about debt collection. 
Had dispute with apartment complex I left in 2014. Received bill for carpet replacement after living there 4 years, and when carpet was already old when I moved in. I filed a written letter of dispute within 30 days. Heard nothing for years. 
After getting the debt collection call, contacted the landlord and reached a settlement for {$270.00}. Asked for a bill to be mailed to me so would have a paper trail. 
Got another call from debt collector a week ago, informed I had settled, and said do not call again. Just got another call today and said I would sue if they call me again. They demanded {$350.00} and said they will continue to call. It seems they have added some fees to the amount owed. I 'll have to send a note in writing telling them to stop calling to make my case stronger. 
They are apparently : Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, FL XXXX
My current mortgage company - Greentree Servicing LLC has been increasing the money needed for escrow every year, but it turns out they never used the money to pay my tax bill for the last few years. In addition, the did not pay my homeowners insurance last year. I discovered this when I went to refinance with another company. I now owe, back taxes, homeowners and GreenTree Financial took all of my escrow money. I even overpay each month, yet they are requesting more money for me to buy out my loan. What happened to the money that went to escrow each year? Why did they tell me I had to pay more money for my escrow account, but they never used the money for my taxes or my homeowners.
A " company '' referred as the XXXX group is constantly calling my phone and my parents phone from XXXX different numbers in XXXX different cities stating that I owe a debt from XX/XX/2010 that was paid off two weeks after taking it out. The gentleman on the phone told me he did not care if I had to pawn me and my children 's valuables try needed the money. No matter how much I told them I need this in writing and that the loan was paid they threatened to garnish my car wages and bank and I was being sued in civil court for fraud. I told them that there is proof and I needed an address for the company to get this all straightened out and was refused that also.
My problem is that I tried to get my Annual Credit Report just now on XXXX at XXXX XXXX  and I went to print it and it Disappeared, and now it says I can't have for 12 more months. 
Please HELP! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Cell XXXX XXXX XXXX
XXXX XXXX will not move inaccurate info that the other company have also ftc violation and police violations sent hpd and fair credit act XXXX had the never to say my police reports were fame whey dont they call me and we can go up there together and ask the police department if they were real!!! i'll pay for the trip to XXXX but if they are real i get all the pain suffering and lost income and i get to file XXXX insurance policy hippa violaiton XXXX XXXX are using unfairl pratices to ftc vilation and fair credit report act an hippa
After the Equifax breach, I requested a credit report freeze. In late XXXX I requested the temporary lift over the phone and was told it was completed. A few days later I confirmed the lift via your automated service. I also received a letter from Equifax confirming the lift was processed. 

After still being unable to subscribe to a new cell phone provided ( my original reason for the lift ) I called Equifax and was told to fax documents confirming my identity. 

XX/XX/XXXX Faxed Passport & Social Security Card to Equifax Security Freeze Department and I never received a response. 
XX/XX/XXXX - I spoke with XXXX XXXX I.D. # XXXX who told me to send these documents again to the Equifax Dispute Department XX/XX/XXXX - I faxed the documents again : Passport, Social Security Card, Bank Statement XX/XX/XXXX Spoke with XXXX XXXX I.D . # XXXX who told me to send these documents again to the Equifax Dispute Department XX/XX/XXXX - I mailed the same documents to the Equifax Dispute Department On XX/XX/XXXX I was naturalized and became a U.S. citizen. At that time I changed my name in the court. This change was  updated with all appropriate government agencies, banking business, etc. I thought maybe that was what Equifax was getting wrong so I also faxed and mailed a copy of the name change certification from the XXXX Court and my naturalization certificate. 

XX/XX/XXXX - Received a letter from Equifax saying my identity was confirm. However, the lift had not taken place XX/XX/XXXX - Received another a letter from Equifax saying my identity was confirmed. However, the lift had not taken place XX/XX/XXXX - Mailed documents again to Equifax Dispute Department All of this time I was constantly told on the phone they could not confirm whether or not they had received my documents because they don't have access to the Dispute Department and since it was a mail in service, and you simply are not allowed to speak with anyone in that department. 
Late XXXX - called Equifax, they said they had lifted the freeze ( although they still did not ) but the name they had on file was wrong - even though I had sent my documents 5 times. The Equifax employee told me he would make the update to my name and that I had to wait up to 30 days to receive an email confirming the change. 
XX/XX/XXXX - I received an email from Equifax confirming that my dispute had been successfully completed XX/XX/XXXX - After not being able to have a credit check again, I called Equifax. They said there was still the same problem and they would submit a dispute to update my name again, and that I had to wait up to 30 days, again, to receive a confirmation. 

I do not know what else to do. Won't I ever be able to get a new phone, a loan, buy a car, get a new job, in America again? I'm completely dependent on a private company that I can not even opt out of working with them. The government effectively forces us to be at the mercy of a private company.
In XXXX XXXX we established a repayment plan with Ocwen, which included adding an additional $ XXXX/mo to our regular monthly mortgage. We paid the repayment plan ON TIMXXXX each month and they are still showing us as being delinquent since XXXX XXXX. We paid the past due amount and our regular monthly pay of {$3100.00} on XXXX XXXX, XXXX to end the repayment plan and we were told that they would report to the credit bureau on XXXX XXXX, XXXX and still as of XXXX/XXXX/XXXX there has not been any credit reporting. We have called in twice and filed a complaint on their website and they keep telling us it will be the first week of XXXX and then the 2nd week of XXXX We just got another notice saying it will be an additional 7-10 business days again before they will report our mortgage in good standing. Since we paid on time since XXXX it should reflect on our credit report. The very least they need to report our most recent payment correctly as it is really hurting our credit score.
Back in XX/XX/2009, I became a victim of identity theft. My fathers ex girlfriend stole my wallet that contained my drivers license, social security card and credit cards. 

The case is still ongoing and open. Theres an active warrant out for her arrest. 

Ive reached out to the creditors who opened the fradulent accounts and most were removed. I work a full time job, and have a family to care for, so this has been a time consuming burden on me. 

I sent debt validation letters to synchrony about the fradulent Walmart account and was told it was sold to XXXX XXXX, I was informed by XXXX XXXX that the debt was paid.
This is a issue regarding multiple shortcomings in the credit reporting process. On XXXX XXXX, 2015 I ordered my XXXX credit reports and score from Experian. The Equifax score was over XXXX points lower than the other XXXX credit bureaus even when computed by the same scoring model. No one can tell me why the score is so much lower even when the information in all XXXX bureaus is nearly identical. The experian credit factors also states that negative factors include the fact that my oldest account is less than 6 months old and that I am behind on my mortgage ( There is no delinquent mortgage reported anywhere on my credit report and the oldest open account is over a year old ). The same XXXX inaccuracies are also present on the XXXX record. These credit reports also list several credit inquiries that I have disputed many times and each time the dispute comes back stating that " then entry is of factual record '' and the inquiries have not been removed. There are several inquiries that I have not authorized and are having a negative impact on my credit quality and there should be a way to get these inquiries removed if they were not authorized. These inquiries include XXXX XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX I. I have disputed these entries more than once and have even tried tracking down phone numbers for each the creditors of which is just a endless loop of phone calls and transfers to departments that have no way to look up any record of me applying for credit with each respective lender. There is also just a blatent disparity of data accuracy across the reports with for example XXXX bureau reporting a account open and another reporting the account closed on a loan which was paid off years ago. When a consumer disputes this information sometimes the info is fixed but more times than not the dispute is left unresolved and at times when disputing these entries there is a text box within the dispute that only gives me a few XXXX characters to describe dispute which is no where long enough do describe all of the information that needs to be corrected.
On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit burea us ( Equifax,  XX/XX/XXXX  and  XXXX  ) that showed that the amount of {$2400.00} had  been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified  letters to each bureau requesting that the information be deleted from my credit report. Only  XXXX  bureau- XXXX  has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.