WillisBack/dataset-financial-user-claim huggingface dataset:
I called the court house and I got a verbal that they do n't report to the Credit bureau s I have XXXX chapter XXXX bankruptcy on my report two months apart. 
# XXXX # XXXX
I made a request for XXXX to remove the credit inquiry from my equifax credit report and XXXX agreed to send a request to equifax to suppress the inquiry so that it will not appear on my credit report or be used in the calculation of my credit score, however equifax has not removed the inquiry from my credit report.
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
USAA Banking Auto Loan Department keeps sending Collection and Late notices for XXXX XXXX XXXX which USAA totaled on XX/XX/XXXX. 

USAA sent Repro Agent by our Home on XX/XX/XXXX to collect the XXXX XXXX XXXX which was still at the Repair Shop XXXX XXXX XXXX XXXX. 

USAA totaled the XXXX XXXX XXXX on XX/XX/XXXX per their letter and has been sending Customer threatening letter regarding collection and repossession even after USAA totaled the Vehicle. 

Customer responded back to USAA on XX/XX/XXXX and informed them of the entire situation and the fact that XXXX XXXX totaled the Vehicle. The Customer notified the Bank first thing after the accident happened to ensure the USAA Bank was communicating with XXXX XXXX Adjuster to payoff loan as stated by XXXX XXXX ( Bank Officer ) and XXXX ( Adjuster ). 

USAA continued to let XXXX XXXX XXXX  XXXX complete repairs on a Vehicle they totaled. The total of repairs {$22000.00} on a Vehicle worth $ XXXX 95 % damaged and USAA wants the Customer to still pay the loan on a Vehicle which has lost over 90 % of it's value and now has a Totaled Title. 

The title and keys were sent back to USAA per their request so the responsibility of the Vehicle is with USAA since they took ownership and kept on paying the Shop even after the Customer told the Shop to stop all repairs on XX/XX/XXXX. 

Why does USAA Bank Auto Loan Department feel that the Customer is still responsible for the Loan payment on a declared Totaled Vehicle? Why did USAA not perform its obligation and responsibility to the Customer as stated in their Total Loss Letters?
Every year, PNC sends menacing letters to me ( and my co-mortgagee ) that we have n't provided proof of our condominium building 's master insurance policy. The letter ( s ) threaten that a master insurance policy will be opened in our name ( or already has been ). Often we have very little time to get the documents in. The process is cumbersome and time-consuming every year. This year, after resolving the situation in XX/XX/XXXX, we received an additional letter stating that a policy had been opened in our name anyway. After calling, submitting a SECOND copy of the document to PNC via its website, we were assured that the issue was now resolved and that a confirmation letter was on the way. Our statement for this month ( opened today ) shows that PNC in fact DID open a master insurance policy in our name in the amount of {$1200.00}. This was not necessary : the unit 's insurance is up-to-date, the building 's master policy is up-to-date, and we can show ( and HAVE shown ) proof that PNC has access to both policies. 

PNC takes no initiative to work with us, but sends us ex post facto threatening letters each year. This year they have taken a step too far by opening an unnecessary ( and perhaps illegal ) insurance policy. Customer service tells us they 've received documents, and then we are told that it does n't have them. 

Please help us. We have never been late for a mortgage payment, all policies are up-to-date, and yet we are treated as delinquents.
On my credit report with Transunion I had a total of  XXXX  inquires on my credit report, there was a glitch in there system summer of   XXXX   that caused inquires to be placed back on my credit report that was already removed, The glitch happened again early   XXXX   causing more inquires to be added to my credit report. I have tried filing a dispute online as well as over the phone and was told there is nothing they can do. I was not notified in writting that these items will be added back to my report withing 5days from after the glitch happened, my rights were violated and this adds a hardship to me
They took my name offXXXX XXXX XXXXThey issued the report to incorrect address placing My complete name SS # and Birthdate out into the open. I consider this a huge breech.
Back in XXXX / XXXX of 2017, my sibling downloaded a virus without my knowledge and the person who made the virus was stealing all of my information without my knowledge. They used {$3300.00} for XXXX which while I was doing my research since this isnt the only card that it has happened too they use it to get money off of either credit cards or any type of cards without any problems. They had / have all my pictures including me with my ID and other pictures relating to that since I did use it for a job with validation also had my social security number etc. by the time I noticed the charges on my account I disputed through XXXX / XXXX   since I was an authorized user on the card they just removed me off of their without asking my parent. They have still to refund the money that was fraudulently used. My mom has been a card member for almost 10 years and never had a problem and this is what we get in return. 

Thanks, XXXX XXXX
XXXX XXXX contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling XXXX XXXX that the debt was not my debt and please do not contact me anymore. XXXX XXXX than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to XXXX XXXX stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order COMMONWEALTH FINANCIAL SYSTEMS to make recompense and pay redress and compensation for their trespass against me. COMMONWEALTH FINANCIAL SYSTEMS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11.  Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Capital ones Fraud department closed my accounts due to fraudulent activity and never sent me a letter why the accounts were closed only that they were being closed and could not disclose why. The charges on these accounts were disputed and never fully investigated. Capital one has failed to provide documentation that these charges were made by me. Capital one is now trying to obtain judgements against me that I am disputing. Capital one removed  XXXX  of my accounts for this same reason but has failed to remove the other  XXXX . Now I want these judgements stopped and removed from my credit report since capital one is failing to respond to me with proof. They say no activity is found but yet there fraud department closed my accounts. Accounts were closed by credit grantor not by the consumer. I will be taking more legal action if these charges are not amended and the judgements are not stopped. Capital one is also still trying to pursue a judgment against me even though my wages are exempt from garnishment as well. I am considering filing a class action law suit because they will not provide me DETAILED DOCUMENTATION AS TO WHY MY ACCOUNTS WERE CLOSED.
Residential Credit Solutions placed my VA Home Loan account into bankruptcy status although I have not recently filed bankruptcy. I called and emailed them after receiving their letter notifying them that they made a mistake and I sent proof but they refuse to remove the active bankruptcy status from my account. Please, someone make them stop this. They stopped my automatic bank draft and refuse to accept a mortgage payment ; says I must submit payment to their Bankruptcy Department knowing that I am not in bankruptcy.
ECMC has attempted to contact me and collect on a debt that is not owned to them since XXXX XXXX. They have sent letters, called my cell phone, my family members and my place of business. I disputed the claims that ECMC has placed on all 3 of the credit bureaus under the Fair Credit Reporting Act. ECMC sent a letter to me on XXXX XXXX, XXXX that I owed XXXX in student loans and they would be contacting my employer to garnish my wages. 
I am currently under a payment plan to pay my student loan back and do not owe ECMC. I 've never taking out a loan with ECMC nor given them my information. 
I would like for Educational Credit Management Corporation to not contact me or my place of employment anymore.
I was charged without knowing an amount of {$69.00} by creditcard issuer, Spirit airlines. Their card is make based on Bank of America. 
Took me hours on the phone with the bank XXXX Spirit did not answer the phone ) to find out the charge is a fee to became a sort of {$9.00} XXXX member. I strongly refuse and requested to take of this unwanted fee.I was refused by the bank representative that is not working on my side as a customer. 
So the bank did not accept to open a dispute. 
I paid the bill except that fee of {$69.00}. 
In two days I received a new bill with {$69.00} plus a penalty charge.
greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.
I recieved a collection notice dated XX/XX/2018 from Finex Group LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX This is the address and phone # on the notice. Regarding a {$1200.00} debt owed to a towing company. XXXX XXXX XXXX, inc. 
I have had no dealings with said company and no vehicles towed. Tried to call the number given, it was invalid, recording said I need to " unblock my phone ''. I have no block so I XXXX searched. Says company permanently closed. Had a different # XXXX XXXX XXXX. Same recording. May be a scam
Our review process for Nationstar 's furnished documentation was delayed by its refusal to timely accept our authorization to speak to our attorney. Now that our attorney has found and relayed our complaints regarding Nationstar 's misapplication of payments during bankruptcy, unauthorized charges, and multiple servicing issues, as well as statutory authority issues with the upcoming trustee sale, Nationstar has not postponed the trustee scheduled for XXXX XXXX, 2015. There is no way that Nationstar will respond in time, and the delay was its fault.
Disclaimer : This did not result in an actual loan, but this company 's practices could harm many people looking for some financial relief. 
We received an offer in the mail from Fast Loans Funding, advertising a personal line of credit totaling {$30000.00}. that would reduce our monthly payments from {$620.00}. to {$150.00}, and there would be no interest and no payments for 12 months. " Simply call ... and receive your line of credit in just a few weeks that you can use to pay off your high interest credit cards. '' The communication included the XXXX  logo and touted that they had an A+ rating. The offer said that we qualified for a consolidation loan of {$20000.00} with an added {$10000.00}. Our average interest rate would be 3.99 %, and our minimum monthly payment would be {$150.00}. So we started the process giving them all the info required for a loan application. XXXX XXXX, a customer service rep. Called us several days later to say we were approved. Next, they wanted to walk us through the plan. They said a secured trust fund would be established for us and we should pay {$550.00}. per month into that account for 12 months, and that we did not need to pay our other bills. Where's my {$550.00} a month going? They were actually telling us that by not paying our bills, the collection agencies would be willing to offer a much lower pay-off. I could not believe they were advising people to do this, and I'm sure many people fell for it. I told the rep ( XXXX XXXX (@XXXX ) " No! Where are you going to be when they come to foreclose on my house. This is not only false advertising ; ( that could have devastating outcomes for anyone who accepted the deal ), but it was also the bait and switch game. My worry is for all the people who are struggling, desperate for a solution to their money problems. Where is truth in advertising. I also worry because they now have all our personal info ( SS #, DOB, Income, Loans and Credit Cards ). I hope this will be investigated. I have already gone to the XXXX, but the company response was more lies. I do have the mailer, if it would be helpful. Many thanks for looking into this.
Began receiving calls on or around XX/XX/XXXX. They left voice mail msgs w/ a case number ( XXXX ). When I called back, they said it was in reference to a delinquent XXXX XXXX credit balance {$230.00}. I explained I've never had an XXXX XXXX credit card. After more calls, on XX/XX/XXXX I contacted XXXX XXXX 's credit services dept, which is handled by Synchrony Bank and they informed me the account was opened more than 10 years ago. Once again, I told them I never opened an XXXX XXXX account. As a result, they started a fraud investigation. On XX/XX/XXXX I contacted the collection company and told my " case worker '' ( XXXX XXXX XXXX ) that Synchrony had opened an investigation. She became very agitated and said she didn't care and told me this was my last chance to take care of this before I was served with court papers at which time I would have to go to court to dispute it, and would then be on the hook for legal fees totaling 10 times the amount of the original debt. When I asked for the date of the debt, she told me it was charged off in XX/XX/XXXX. I reiterated that this debt was not mine and wanted to wait and see what Synchrony 's investigation revealed, but regardless, it was more than 4 years old, which is beyond the Statute Of Limitations for collections in California. She again became  angry and said she didn't know why I kept bringing up Synchrony Bank as she doesn't know or care what that is and that they were going to move forward with legal proceedings against me regardless of any investigation into the matter. I strongly considered just paying it since the amount was relatively low, and filing a reply in court to dispute it would cost about as much anyway. However, every time I asked for documentation to be sent or emailed to me before I made payment, she refused. Additionally, XXXX XXXX XXXX did give me her direct number and extension, which was a XXXX number in XXXX XXXX, CA., however, when I asked for her company 's name, she said it was " In House Processing '', which - when searched online while I was on the phone with her - doesn't seem to be a valid company name. When asked if she was with a law firm or if the company had a different name or, for example, the name of the company that appears on her paycheck, she began yelling that she would see me in court and hung up.
I have been disputing student loans on my credit for some time now. I've sent in disputes to Sallie Mae, Navient and now the Dept. of Education asking for detailed information on the loans. I have yet to receive any information and Navient has now added more accounts on my credit report - 4 to be exact. They closed the Navient accounts and are now reporting them from the Dept. of Education making it appear as if i have 8 accounts when indeed i do not. Navient/Dept. of Education has refused to send me an itemized statement and bill. I have requested this in writing and over the phone. They have refused to help help settle the debt and consolidate the four small loans. Everytime i made a payment in the past they would process the payments incorrectly making it look as if i made no payments at all. They have provided me inaccurate and incorrect information several times, leading me to believe the loans are not accurate and have been sold and or re-written. Navient is accused of unlawful acts and practices in connection with Defendants servicing and collection of student loans. Please add me to This CLASS ACTION suit, Navient is the Servicer of the loans listed below.The loans have been sold with fees added are as follows : XX/XX/XXXX XXXX - {$1900.00} ; XX/XX/XXXX XXXX - {$3500.00} ; XX/XX/XXXX XXXX - {$1700.00} ; XX/XX/XXXX XXXX - {$1500.00}. All reporting multiple times on my credit. My ask is that this be disputed with the Navient/Dept. of Education and asked to verify with detailed signed copies of the contracts. If they are unable to provide the information please have this inaccurate information removed from ALL credit reporting agencies.
HI, My name is XXXX XXXX I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX Balance {$560.00} Medical XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$760.00} please update and remove all items listed above
This complaint is regarding CITI Card. The reason for the complaint is that they have a ONE-SIDED merchant dispute for us, ongoing since XX/XX/XXXX and now it appears that they are going to continue to accept - forced and not legally obligated swipes of $ XXXX/ month again in XX/XX/XXXX to a Network that we are not receiving anything from, XXXX XXXX XXXX XXXX. ( A home based business- A one - man shop -- that is not properly registered with an EIN for Tax payments to the IRS ). 

Please let CITI Card know, that we have no problem paying for a service if we use the service, and if we are obligated by contract. 

We are very surprised and angry to learn today, XX/XX/XXXX that after reporting to our CITI CARD ( XXXX XXXX, RE : Purchases to " XXXX XXXX XXXX XXXX '' originally authorized as an optional service, monthly, as needed on a card that ends in - XXXX however the merchant has been forcing charges on us without me actually typing in a card number under the re-assigned card number for the same visa that ends in - XXXX. ( This is suspicious because the Merchant, XXXX XXXX XXXX   XXXX is force-billing us without us presenting or typing in our visa card number, to prove that we are making a purchase. The Company 's Terms of Use Terms of Service are attached!
I tried to do a Loan modification with shelllpont mortgage. My husband had XXXX. I am having trouble making payments. My interest is at 6 % They refused to help me after waiting over 3 months. Sending in the same paperwork over and over again. They said I had too much equity in my home. You would think this would be a good thing. I have been living in this house for 40 years. I do not wish to lose it. All I am asking for is a lower mortgage payment. Shellpint is obviously making a lot of money off of me.
Took out a payday loan and the loan has been paid back since XXXX 2015 plus interest, Payday lender still debiting account. I would like the payday lender to cease and desist from debiting my account, and return any and all funds back to my bank account paid after XXXX XXXX 2015. I 've paid this lender back XXXX so far. This lender also did not follow NJ laws for payday lending and interest rates.
I have a mortgage with WELLS FARGO MORTGAGE. I asked for a loan m modification and was given the run-around. They seem as if they were purposely trying to make me loose my home. They tell you that you have to to be late before they can process a modification. Then while I think they were processing the modification, they were behind my back trying to foreclose. My mortgage was sold several times. it is a XXXX account. They keep adding fees that I do n't owe them to my balance. 
I bought my home in 2006 at XXXX I made my payments every month. 
the balance never seem to go down. This bank is not right
I have contacted Equifax challenging the validity of dates for following accounts : XXXX acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX. 
The dates on the XXXX acct # XXXX are inaccurate. The date of last payment is inaccurate and the date of last activity is inaccurate. Missing date of closure and balance amount. 
The dates on XXXX XXXX XXXX XXXX acct # XXXX are inaccurate. The date of last activity is inaccurate, the date of last activity is inaccurate, the date of 30 days delinquency is inaccurate and date closed is inaccurate.