WillisBack/dataset-financial-user-claim huggingface dataset:
In 2014, I went to the XXXX Dealership to shop for a car, and they sent my credit report to several bank 's, which created multiple hard inquiries on my account. I did eventually purchase a car from them this summer, and specifically requested they would not send my information to several banks, as it seriously has set my credit score back. After reading about hard inquiries, I found that it may take up to two years for them to come off my credit report. This is frustrating me still, and my credit score is not improving by much, since the inquiries will not come off till XX/XX/XXXX.
I ran a credit report on  X/XX/17  and saw I had a collection from Diversified Consultants for {$940.00}. I contacted that debt collector and was given information that there was an unpaid bill under my name for  XXXX . I was given an address that the account was under (  XXXX , Illinois ) I informed the Diversified Consultants that I have never lived in Illinois and they informed me to contact  XXXX . On the same day, I contacted  XXXX  and they were unable to verify how the account was opened. I spoke with a woman named  XXXX , who informed me to fill out a fraud report on their website and that would begin the investigation. Furthermore, I sent a certified letter to Diversified Consultants, asking for any written evidence that this account was opened in my name. On XX/XX/XXXX  I received a letter in the mail from Diversified Consultants stating that the name and address for the debt were verified and was sent a copy of an  XXXX  bill in the amount of {$1200.00}, addressed to my name, but an address in  XXXX , IL. On  XX/XX/XXXX , I filed a report with the FTC Identity Theft Center as well as an investigation to be completed through   XXXX   XXXX   and   XXXX   to remove this fraudulent activity from my credit report. On  X/X/17 , I will be filing a police report with my local police.
last week I checked my credit report and noticed that my TransUnion  FICO sco re was significantly lower than my other  XXXX  credit scores and as I scrolled through the accounts I saw no issues with any of my accounts but then I noticed the " Public Record '' section of my report was displaying a Bankruptcy and this is erroneous. I have never filed bankruptcy before and I also have never held any joint accounts with anyone before to have filed a joint bankruptcy. My concerns are that I am heavily reliant on my credit to get the best rates and such and this has surprised me and I had never realized until now that this was the reason why I was being denied certain credit cards and business loans. I do not know how or why this has shown up on my Transunion credit report but I demand it be removed immediately so that all  XXXX  of my credit reports match and say the same thing about my credibility. It is dissapointing that this can just appear on my report and even though I understand that errors may happen I am very frustrated that I have to take these steps to fight for something that should not be affecting me financially or legally.
After a Discharged Chapter XXXX Bankruptcy I sent a certified letter to Covington Credit, XXXX XXXX and received a call from XXXX XXXX XXXX with Southern Management Corp, XXXX XXXX a parent company of them. My letter was about fixing my XXXX credit line from Covington Credit after I discharged a Chapter XXXX Bankruptcy with that account. He informed me in XXXX 2014 it would be fixed. After XXXX XXXX credit disputes over 12 months the information was changed to a Charge Off, with month to month reporting, and Major Dispute entry after bankruptcy protection was established. This information is all incorrect or should not be reporting. I have dispute answers from them through XXXX, I recorded my conversation with XXXX XXXX in XXXX 2014, and have copies of letter sent with return signature receipt.
I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section  XXXX  ) and   XXXX   XXXX    XXXX  Administrative Code ( section  XXXX  ).   XXXX   XXXX    XXXX  regulations require all debt collectors to send specific written documentation verifying the debt. Under section  XXXX  of the Rules of the   XXXX   XXXX   XXXX   XXXX  , verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and I never received such service for which I 'm being charged in the first place.   Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act.   Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the  XXXX    XXXX   XXXX   XXXX   ( section  XXXX  ) require that you honor this request. Thank you.
I purchased my home on or about XX/XX/XXXX.I was forced to sign for 2 mortgages to be able to get the loan i was not aware of this until the day i showed up for closing. The house is underwater now. Iask Wells Fargo for forgiveness on the this loan. I feel that i was taken advantage of in this loan. I have paid this for 10 years, and feel as if this should be forgiven.
I was a victim of the 2012 Government shut down. This was known as Sequestration Furloughs. I wanted to make sure I made sure every creditor know I was trying to address my accounts. I was made aware that USAA a company that I had my vehicle loan with was offering members that were affected by the furloughs was giving 2 months relief on their loans. I spoke to a service member by calling the XXXX #. I was informed that I would not have to pay my vehicle loan for 2months. After the two month period I started making my payments again. I notice after reviewing my credit report that the two month relief period was not honored and I was behind on my loan. I contacted USAA again and was told that I was not set up on this option. I have contacted USAA on multiple accounts to try to resolve this issue. I do n't not think it is my fault and not be punish for a representative giving me the wrong information.
In XXXX of this year, Equifax experienced a data breach affecting almost all adults in the US. This data breach was due to criminally negligent data security architecture. In addition to the almost certain exposure of my name, ssn, address, phone, and other PII they did not announce the breach for almost 6 weeeks. Congress needs to do something to protect all US citizens from the inflated risk of identity theft  as there is now no way to be 100 % certain who a given creditor evaluating - you or an identity thief.
I would like to pay HSBC BANK OFF!! BUT I CAN NOT PAID THEM, THE CREDIT CARD DEBT. BECAUSE I AM IN FINANCIAL DISTRESSED AND UNABLE TO PAID THE FULL AMOUT DUE EACH MONTH, BUT I AM ABLE TO PAID SOMETHINGS. I REQUESTED A HARDSHIP PROGRAM, AND THEY DENIDED ME THE HARDSHIP PROGRAM, THREE TIMES.
After running my credit report in XXXX I found that I had a collection that was placed by Credit Control Service on behalf XXXX auto insurance. On XX/XX/XXXX I reached out to XXXX to verify. After I verified the amount I called Credit Control Service and verified their information that same day. The information that they had on file was not what was on my record. They were delivering information to the wrong address and never verified my account before assigning a debt to my credit reports. So, after negotiations I agreed to pay the bill if they removed it from my account. I gave the woman on the phone my XXXX Credit Card number to pay the bill and she processed the card. The payment was complete and I can provide a copy of my XXXX XXXX. 

The payment date was for XX/XX/2016
Regions bank applied un-warranted overdraft charges to my checking account. The balance never went below - {$2.00}. I reviewed my balance daily, balance never went below stated amounts. The bank states items caused {$72.00} in overdraft charges, but never di account from my view show the negative amount they are claiming. I suspect they are intentionally hiding transactions from customers in the name of higher bank profits, I believe it could be termed " Rob-N-the-Hood ''. When questioned why I was never priviledged to see said transactions, they stated in an email on their web site that it was complicated. Consumer rights should always be able to see all transactions presented to bank, not hidden. So since the bank sees this as an incredible profit opportunity, I elect to have refunded to me an amount for comparable amounts, my revenue vs their revenue would be fair. Say {$10000000.00}, no less. This should and most likely is disceptive, illegal, immoral practice on the part of the bank and they need to be punished as such.
I tried to get my free annual credit reports on XXXX XXXX, 2017,  which took over 6 hours. Transunion allowed me finally to get it online, however, the left hand side of the report is not legible, cutting off numbers and data. It is not a formatting problem with my computer. I print and save my reports every year and have never had this problem.
In XXXX 2015 I requested and signed with Banco Popular of Puerto Rico to enter the Loss Mitigation Program since I was having some difficulties to pay my monthly mortgage payment. I submitted the documents to the bank as they requested, including XXXX financial statements prepared by an Accountant. Surprisingly when I was in good faith negotiations with the bank, I received a letter from a XXXX attorney and his XXXX Firm that my file was sent to them in order to file a foreclosure lawsuit against me. My attorney called them and explained that there must be a mistake since we were negotiating with the bank under the Loss Mit Program and never received a communication from the bank denying my request. The file was sent back to the bank to continue the Loss Mit Process. I also tried to pay the due amount of the mortgage payments but the bank conditioned the payment that I also pay {$500.00} for the previous lawyer services. I have email evidence of this. The bank sent me an invoice of this legal fees from XXXX XXXX XXXX XXXX a company in the U.S. My attorney called the bank 's XXXX attorney that sent me the letter and he said that the Firm did n't sent an invoice to the bank for such legal services. I have evidence of this. I sent to the bank the due amount monthly payments without the {$500.00} for legal services and the check was returned via mail to me. To this day I 'm under the Loss Mit Program in good faith negotiations, sent already a THIRD financial statement three weeks ago since they wanted XXXX updated and by my surprise I was summoned today with a Foreclosure Lawsuit from Banco Popular of Puerto Rico even when the bank never sent me any type of communications denying my application under the program. I have evidence of the communications by email with the bank, the invoice from XXXX XXXX XXXX XXXX, the application I signed to enter the Loss Mit Program, among other documents. Today I called the bank and the employee that is working my case told me that being under the Loss Mit Program does n't protect me from being sue by the bank in foreclosure. I understand that the Federal Laws and Regulations require that I first need to be notified with a communication from the Loss Mitigation Program denying my case before being sue in foreclosure.
unable to get a credit score have all positive items on my credit report. my score should be high. there is no score
On XXXX XXXX, 2017, I went to XXXX to purchase items from the store. My card was declined. I went home and called Capital One at XXXX to inquire about my balance. I was also looking at my account online when the representative answered the call.The first representative hung up on me and so I had to call back around XXXX The representative 's name was XXXX and her ID # is XXXX. She preceded to tell me what happened to my account. I stated that Capital One had placed a {$50.00} over due payment on my account on the day that the account was due. I paid my bill on the exact same day. Capital one then stated that they did not have a {$50.00} over due fee on my account. On XXXX XXXX I saw where Capital one had credited {$25.00} to my account and changed the over due payment fee to {$25.00}. I had already paid Capital One in 3 days {$24.00} and XXXX payments of {$50.00}. By this time the representative told me that what I had in my account was {$9.00}. I asked to speak to a manager she chuckled and laughed and told me to hold on. I then spoke with the Manager XXXX his ID # XXXX. I told him that I had checked my account on XXXX XXXX and had {$80.00} in my account. I made XXXX purchases XXXX for {$15.00} and the other {$24.00}. He said that is correct. I told him that I made XXXX payments and all I have left on my account is {$9.00}. He laughed and said, " XXXX XXXX would you like for me to go over your account with you? '' I said, " no, I will be filing my complaint. '' I am not stupid I can read my card statements. The account representative was being condescending and in a situation such as this, I need for all representatives to be professional in which they were not!! Capital One has given me a card balance increase that I have not asked for. Capital One knows that if they increase the balance on the credit card then the interest and finance charges will be higher. My interest and finance charges are more than 50 % of my minimum monthly payment. With an interest rate of 29.9 % Capital One increased my card balance but did not decrease the interest rate knowing this would make paying off the card virtually impossible for consumers!!! I would like for CFPB to investigate Capital One and their banking practices because I am quite sure that I am not the only consumer with extremely high interest rates from this bank!!!!
I regularly deposit paychecks in XXXX XXXX ( XXXX ) into my Citibank bank account. Citibank first deposits the checks as if they had been made out in USD. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive XXXX weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on two occasions. Citibank has first refused, then relented, on two occasions, to waive the overdraft fee.
My wife and I have completed successfully XXXX trial loan modifications with Wells Fargo/ASC on loan number XXXX an Investment property. 
We also completed XXXX trial payments on another Separate Wells Fargo loan number XXXX. Wells Fargo said they would not modify these loans if the liens were not addressed. 
These liens which the Wells Fargo Home Preservation specialists provided us with were cleared. 
In XXXX 2015 Wells Fargo modified loan number XXXX, but they have refused to modify this loan number XXXX. They want us to pay off the second lienholder or have them subordinate the lien. 
The second lienholder has modified their loan twice but Wells Fargo said they will not modify the loan. Our even speak to the Second lienholder who agreed to work with me if Wells Fargo contacts them. I have no single point of contact at Wells Fargo, I keep getting letters but when I call in to Wells Fargo I am transferred from person to persons who keeps telling me to send in documents or call back when I get my second lienholder to subordinate the loan.
XXXX XXXX XXXX. XX/XX/XXXX amount {$1800.00}. This account dont not belong to me nor have not consent for this to get my information at all XXXX XXXX XXXX. XX/XX/XXXX amount {$150.00} and XXXX. This account is old should have not be on my report I was told from the rep they will remove it from all 3 credit bureaus
TRANSUNION has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number 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. 
I also sent out a letter to the clerk of XXXX XXXX requesting the method of verification of the validity of the bankruptcy. They responded that they do not report to any Credit Bureau. Credit reporting agencies verify records through a third party database such as XXXX and some even verify through other creditors. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the XXXX office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA XXXX. False or misleading representations [ XXXX XXXX XXXX ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
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.
In XX/XX/2018, I make an online purchase and changed my mind after realizing I didn't need the things I selected. The next day called store 's customer service to cancel the order and was advised order was being processed therefore to cancel the order don't pick up the order at the store when notified. A few months on XX/XX/2018, I received a bill with a new balance for the canceled purchase for {$70.00} plus unknown fees of {$1.00}, totaling a new balance of {$71.00} for XX/XX/2018. Upon viewing the bill I called customer billing service, after much back and forward discussion it was agreed the charges stemmed from the canceled order and would be corrected. I now see after viewing online bills starting with XX/XX/2018, the order price of {$70.00} was removed from my bill leaving the remaining balance of {$1.00} to incur interest for each following month. Accumulating in a new balance for this account of {$100.00}, including an expired refund check for {$1.00} on XX/XX/2018, a late fee of {$32.00} on XX/XX/2018, an interest charge of {$2.00} on XX/XX/2018 and an Account Assure fee of {$2.00} on XX/XX/2018 for insurance that offers no benefits to me considering I'm unemployed due to retirement. Creating a total new balance of {$100.00} for the month of XX/XX/2018 with a warning : Late payment warning : If we do not receive your minimum payment by XX/XX/2018 you may have to pay up to a {$38.00} late fee. All of this for a canceled order that I never taken possession of - there was no fair trade or agreement in this entire process.
I am concerned about the validity and accuracy of the recent investigation done by Equifax .I requested for an investigation because the account XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX Case number : XXXX Related Case Number : XXXX xx XXXX xx XXXX Original Creditor xx XXXX XXXX Original Creditor XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX xx XXXX Original Creditor equifax Case number : XXXX Related Case Number : XXXX Case number : XXXX Related Case Number : XXXX XXXX Original Creditor XXXX