WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a car i n 2015. A fter purchasing my vehicle through  XXXX   XXXX , I see that over  XXXX  inquiries were processed on my credit report without my authorization. I contacted Transunion directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.
I fell behind on Payment in   XX/XX/XXXX   do to an injury to my shoulder. I called ocwen weekly. They said there 's nothing they can do to assist me.   I applied for  3 l oan modifications every time I was denied. I make {$30.00} an hour and able to make the payment with one paycheck. So it all started  with litton loan in    XX/XX/XXXX   at some point ocwen took over all the bad loans. Please help me save my house.  XXXX   XXXX
On XXXX XXXX, XXXX, my wife and I paid off our car loan with Ford Motor Credit. In XXXX XXXX, we had a 30 day late payment that was documented on our credit reports. Given that the original delinquency date is the date when an account first becomes past due, this account should be scheduled to be deleted in XXXX XXXX. However, we have checked all three credit reporting agencies and there is no date reported on our credit reports as to when this collection account will be remove. We have requested action to be executed by Ford Motor Credit numerous times to correct the report and place a removal date on file but their response has always been to deny the request and not follow the rule. As recently as XXXX XXXX, XXXX, another request was turned away. At this juncture, we are seeking your intervention to assist our efforts to require Ford Motor Credit to abide by the rule of process.
I have disputed the bankruptcy on my credit, the federal Bankruptcy court wrote me a letter that I have already submitted that they do not report bankruptcy to the credit bureau I gave them the letter they came back telling me that their source implied that they had a third party obtain this information from the internet but refuse to give me the source of who they are getting this information from because the information they have is incorrect I have personally verified this with the courts as well as the attorney that XXXX  supplied as the filing attorney, this attorney wrote me a letter that he did not file the bankruptcy which I have shown to the bankruptcy court and would like to show whoever is giving them false information about public records that do not belong to me. My attorney wrote them a letter that they supply me with the source to contact directly but they keep referring to the bankruptcy court on my credit report but the court has already verified what is on my report was not mine and I have never filed bankruptcy my exhusband has but I have not and I spoke with him as well but the dates on his credit dont match mine this fraudulent information on my credit report which says the reporting agency is the us bankruptcy court did not report this to them and they keep telling me the same thing that they did not report this information and even though I didnt have to I also contacted the attorney XXXX gave me the name for and he said he did not file a bankruptcy for me and gave me a letter as well as an email from his assistant. I feel like Im going in circles do I need to take legal action? I know this is a violation of the fair credit reporting act but these agencies refuse to actually look into it and just keep telling me that it was verified, but by who? I am making one last plea for them to correct this incorrect reporting the United States bankruptcy court doesnt have any agency report to them on their behalf nor do they report to they report to the credit bureaus. I just feel like I have no other choice but to seek damages at this point I have all documentation proving I have never filed bankruptcy and this is the only negative information on my report I have never had any debt so why would I need to file in the first place. This unverified information on my report is costing me thousands and preventing me from getting credit for anything how are they getting away with this, XXXX   suggested I purchase their credit repair to fix this so I believe this is a scam to get consumers to pay them to take care of the inaccurate reporting they clearly have a part of ... I feel scammed. Give me your source of verification!!! Where is their proof show me what and how this information was verified I had to go through a screening process with the courts to get any information about myself how can they get accurate information if it wasnt easy for me to get information on this myself its not mine please remove it promptly or I will have no choice but to seek legal action against all involved this needs to be resolved this is the crazy I have to go in circles over and over again what a nightmare.
I have like more than XXXX dollars currently invested in my coin base account. 
They have suspended my account without any prior intimation or reason, it has been more than 2 weeks. 
I am not able to check what and where my money is. They dont have any customer support. They do n't pick up the customer support number. Their customer support email is in active. 
The transactions are n't reverting back to my linked checkin account too.
I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was  around 750 ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.
XXXX XXXX General Counsels office Center for Card Member and Merchant Litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX- Mail Code XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Dear Sirs, I have a bank issue with a USAA Federal Savings Bank Issued XXXX XXXX . 

Two years ago, a XXXX XXXX me. In XX/XX/XXXX, I consulted with XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. We made an XXXX plan and he did not do any of the XXXX we agreed upon. This XXXX took place on XX/XX/XXXX. 

I turned in this information to USAA Federal Savings Bank and they credited me back for the XXXX. In agreement that the XXXX  committed fraud and did not provide the services rendered. 

Then, months after the dispute was closed they put XXXX back on my card saying that they were charging for the XXXX room, even though the XXXX never took place. 

Not only USAA ( XXXX as XXXX XXXX ) illegally put this charge back in XX/XX/XXXX to accrue interest, but they refused to look at any of the doctors letters I sent and refused to re-assert under the law. 

I was asked to send a few doctors letters proving the XXXX didnt take place, which I did. Then, USAA told me they had to be on letterhead. 

But, when I called XXXX XXXX, they told me they do not require this to be on letterhead, which shows bad faith of USAA dba as XXXX XXXX. 

Under your credit card agreement, it states, a billing dispute for services not rendered carries with it only proof asked for. The XXXX did not take place. The XXXX has a fraud on his record in our courts. He is lying to his patients and not able to perform the XXXX. I reported this as a billing error and as services not rendered in the appropriate time frame. 

XXXX -- -phone ID at XXXX XXXX -- XXXX told me that in disputes you do not require letters on Letterhead. Therefore USAA is acting in bad faith using the name of XXXX XXXX. 

Can you please intervene to USAA who is using your name In bad faith? 

And please refund my XXXX for a XXXX that did not take place. 

Each time I contact USAA Federal Savings Bank and their attorney XXXX XXXX, they ignore me. I have kept a paper trail and asked for Re-assert repeatedly in Certified Letters. 

I contacted XXXX XXXX at XXXXXXXXXXXX. She ignored me under USAA XXXX XXXX and Under the bank.
Chase sent me a letter stating that if I didn't use my card they would close it. Because of the letter, I went ahead and used the card ... And 2 months later the account was closed. Because of the account closure, my credit score dropped and will impact my ability to get a competitive rate. 

There is a clear disconnect between the claim that Chase made on the letter and the action that they took.
Credit collections service is trying to collect a debt they bought and they are not licensed to operate in my state.
The collection Company Resident Collect Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, Phone XXXX has falsely reported a back rent debt in the amount of {$6700.00} on behalf of my old residential management company XXXX XXXX. I had been a resident for 4 years at XXXX XXXX XXXX without any problems. Due to a job loss, I spoke with my property manager XXXX XXXX about about not being able to afford the cost of continued residency. He assisted me in ending the lease by setting up an intent to vacate agreement. with the agreement my manager stated that, " As long as you vacate the residence by XXXX/XXXX/XXXX, I will have plenty of time to re-rent the apartment. In the event that I do not rent it, you will only be responsible for the amount of time that the apartment was vacant until re-rented. '' I did vacate the premises in accordance with the agreement. On or about XXXX XXXX, I returned to my former residence to pay off the final balance of my water usage fee and check with the Property Manager about the status of re-renting my former apartment unit. To my astonishment, My Manager no longer worked there, and the property was taken over by a new management company named " XXXX XXXX XXXX '' as of XXXX XXXX, XXXX. I asked the new management team about the status of my former apartment. As far as they were concerned, I was told that the apartment was in good condition, and I owe them nothing. I fairness to myself and the former XXXX XXXX management company, I feel that my balance should amount to the number of days that I left the premise, combined with the amount of days up until they owned the property, which was XXXX XXXX, XXXX. My rent was paid for the entire month of XXXX even though I vacated the premise on the XXXX.
Received 3 phone calls in less than an hour from them regarding my bill repeatedly trying to obtain card and payment information over the phone. Just patiently waiting the next call. They used several different phone numbers. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They use two number which are deceptive as they are not clearly from the company unless you look the numbers up on XXXX. 

The agents on the phone are extremely pushy trying to collect on you even though you are not late.
Took out this loan with Argon Credit back in XXXX 2015 to cover medical expenses for my husband. The application stated the interest rate would be no more than 5 % when consumer applied ; however, the interest rate was not revealed until the final signing of the loan. Consumer discovered the interest rate was 89 % on a {$2000.00} loan. This is in violation of the Usury law of the state of Alabama. Consumer has made a previous complaint with CFPB about Argon Credit, and the interest rate was decreased to 79 %. Consumer has made XXXX payments of {$190.00}, totaling {$1500.00}, but the balance is showing {$1600.00} with the majority of the payment going toward interest. Consumer disagree with this balance. Under Alabama usury law, the balance should be {$470.00} because the interest rate charged by Argon Credit is in violation -- balance due {$2000.00}, only. The balance increases enormously every month instead of decreasing. Argon Credit is using Private Payment Services to debit my account, and when consumer calls, XXXX XXXX XXXX refuses to give a payoff balance. The phone reps go into great lengths to avoid giving consumers this information. I have contacted Argon Credit several times about this interest rate violation, but just sends out a generic response.
On XX/XX/XXXX I made a payment online to ONE of my consolidated loans to bring that LOAN to XXXX. On Navient 's page it indicates that I was paying to Loan XXXX Consolidation. 

I paid {$40000.00} to bring the loan balance to {$0.00} before this TERRIBLE company was going to raise my payment. The company applied my large payment to both Consoliditaion XXXX and XXXX. I paid the amount to Loan XXXX and expected that loan to be at a a zero balance. I fully expect this to be reolved correctly and that Navient gets their act together and do what the CUSTOMER wishes. 

From their website : XX/XX/XXXX Payment {$40000.00}
while I lived out of state, a niece, XXXX XXXX XXXX, cared for my now deceased mother, XXXX XXXX XXXX, who had XXXX. I now reside in XXXX, SC, since my mother 's death. 
My mother banked at the only Wells Fargo ( originally XXXX, then Wachovia ) Branch. XXXX XXXX removed my name off of the joint accounts ( checking and savings ) that I shared with my mother, and placed her name and the name of XXXX XXXX XXXX on the accounts. She then withdrew money from the account and gave it to XXXX XXXX XXXX, who opened an account at XXXX with himself and my mother as the account holders. 
When I relocated back to South Carolina upon my mother 's death, I was still using my bank accounts that I had established in California, so I did not immediately discover the fraud on the Wells Fargo accounts. When I subsequently went to Wells Fargo to access the accounts, I was told that I was n't on any accounts with my mother. 
At no time had I given Wells Fargo permission to remove my name from the joint accounts that I shared with my mother. Since Wells Fargo allowed an unauthorized individual to place her name on my and my mother 's accounts, we lost an estimated XXXX dollars ( {$25000.00} ) due to this negligence.
I have had a loan with ACS loan company which should now be Conduent? I have tried contacting them and their website service for logging in but it has been unavailable for a long time now. I have had an automatic payment with them for the last 5 years and have paid on time for every payment. This last payment did not go through and I can not get ahold of them. I gave them my SSN but their automated response is that I do n't have an account with them. I want to pay but I do not know what to do!
I was talking with my student loan provider, XXXX XXXX and they suggested that I call you to report XXXX XXXX due to the fact that they charged me {$1300.00} to consolidate the loan where it could have been accomplished free. 

They set me with XXXX XXXX for the loan consolidation fee of {$1300.00}. Additionally, I am charged 21 % interest. 

I was initially contacted by XXXX XXXX via phone to refinance and to consolidate my student loan. 

At no time, did they tell me that I could go directly to XXXX XXXX and re finance for free. 

XXXX XXXX was outraged this happened and suggested I report is to prevent this happening to future unsuspecting victims.
I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX/XXXX/2015, to a company called XXXX XXXX XXXX in the amount of {$6600.00}. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.
XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XX/XX/XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
received collection letter from Audit Systems Inc. on XXXX/XXXX/XXXX stating balance due of {$1100.00} from a check dated XXXX/XXXX/XXXX to XXXX XXXX XXXX. 
This check was processed and recorded by XXXX. 
Sent returned letter to Audit Systems demanding they cease collections efforts and that the account was paid on time. 
no response from Audit Systems
XXXX XXXX XXXX has been told both in writing and verbally every single time that they call from multiple phone numbers from countless area codes to CEASE AND DESIST from calling me about a fraudulent debt they purchased from XXXX XXXX who violated federal law relating to the time frame required by federal law in which payments made to the account are required to be accepted ( XXXX east coast time, XXXX pacific time ) by having so many people trying to do so and freezing up their website to force payments to be made late, thereby generating fee income through fraudulent activity. 

XXXX XXXX XXXX has been told this in writing YEARS AGO and every time they call YET THEY CONTINUE TO VIOLATE FEDERAL DEBT COLLECTION LAWS AND REFUSE TO STOP HARASSING ME FOR A FRAUDULENT DEBT THAT WILL NEVER BE PAID!!! 

ENFORCE THE LAWS AND THROW THESE XXXX XXXX IN JAIL!!!
Got a phone call on XX/XX/XXXX around XXXX from XXXX demanding my name address social number etc upfront without trying to tell me the reason for the call.finally got a name from them and reason and I did not refuse to pay said debt which is said to be lower than is whats on my credit which through a flag and then told me a different finance company than I signed with then proceed to threaten me me if I didnt set up a payment right then through bank draft that they were going to take legal action especially when I told them Ive never received anything in writing from them stating what I owed etc.funny that I just got a letter stating that said finance company just sold the loan to XXXX  in XXXX ha but getting a call from California the very next day being threatened
Our office represented the buyer of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX in a purchase that closed XX/XX/18. 

Mr. Cooper holds the seller 's mortgage secured by the collateral property. 

Mr. Cooper provided a payoff estoppel letter dated XX/XX/2018 that had a payoff figure of " Total Amount to Pay Loan in Full ( through XX/XX/18 ) '' of {$250000.00}. 

Our office remitted {$250000.00} by wire transfer XX/XX/2018 and received a wire confirmation from our escrow accountant at XXXX XXXX CST on XX/XX/18. 

Mr. Cooper then returned the wire to our office without explanation over 10 days later on XX/XX/2018. We contacted Mr. Cooper that day by phone but the representative was not able to provide an explanation. 

In a quick XXXX search, we found a notice of foreclosure and contacted the law firm referenced in the foreclosure notice. The law firm as similarly been unable to help in resolving this situation. 

Mr. Cooper is refusing to honor the payoff statement dated XX/XX/2018. Mr. Cooper has now provided an updated payoff statement good through XX/XX/2018. 

On Wednesday XX/XX/2018, a Mr. Cooper representative furnished the payoff statement good through XX/XX/2018 and verbally verified an additional {$700.00} was claimed owed. In an effort to resolve the dispute resulting from Mr. Cooper 's failure to honor its own payoff statement, our office remitted {$250000.00} by wire transfer and received confirmation of the transfer from our escrow accountant at XXXX XXXX on Wednesday, XX/XX/2018. 

Mr. Cooper acknowledged receipt of these funds in a phone discussion with the seller 's title company yet on XX/XX/2018, claimed yet another shortage was now owed in the amount of {$850.00}. The seller 's title company wired this shortage to Mr. Cooper on Wednesday, XX/XX/2018 and the confirmation references the transfer was completed XX/XX/18 at XXXX XXXX EST. 

Mr. Cooper has now called our office and requested by phone an additional {$1600.00}. 

Mr. Cooper has failed to honor two written payoff statements and three verbal payoff confirmations at this point.
For two years I checked my credit report and saw XXXX XXXX XXXX collections reported by Jefferson Capital Systems LLC on my report. XXXX for {$200.00} and the other XXXX for {$500.00}. I contacted Jefferson Capital on XXXX XXXX, 2016, and they referred me to XXXX XXXX XXXX to settle the debts. I paid {$100.00} using my debit card over the phone, and it was debited on XXXX XXXX, 2016. I requested to settle the {$500.00} account as well, the agent told me that there was no other accounts in collection. I contacted Jefferson Capital again, the agent I spoke to also told me that there was no other accounts in their system when she searched using my social security number. I went to the XXXX website and disputed the charge. Jefferson Cap. rejected my dispute and confirmed that my debt was legit. I called them again, and in some miraculous ways they found the account. On XXXX XXXX, 2016 I called and made a payment in the amount of {$170.00} that settled the account ( {$500.00} ) in full. Since I paid over the phone using my debit card again, the money was debited on XXXX XXXX, 2016. After that I requested for the debts to be deleted, and they were deleted by XXXX XXXX, 2016. On XXXX XXXX, 2016 I checked my credit report on XXXX and realized that XXXX XXXX. reported a new XXXX XXXX charge in the amount of {$330.00} to be collected. I called their phone number XXXX twice on XXXX XXXX and twice on XXXX XXXX, 2016. Their automated system says " no one is available to answer your call at this time '' on both occasions and the call just ended. I called XXXX to dispute the charge, although the agent assured me that it will be deleted within 24hrs, she also recommended that I file a complaint with CFPB.
ERC KEEPS CALLING MY FAMILY MEMBERS AND MY CELL NUMBER, I TOLD THEM TO STOP AND WON'T. CALLED FROM ( XXXX ) XXXX, SEE FCC COMPLIANT ATTACHED. AND INDIANA 'S ATTORNEY GENERALS DON'T CALL LIST.
I opened an Essential Checking account at Fifth Third bank in XXXX, NC on XX/XX/XXXX There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I made $XXXX initial deposit on XX/XX/XXXX, and then I transferred $XXXX from other account to this account onXX/XX/XXXXXX/XX/XXXX After that I moved $XXXX out of this account on XX/XX/XXXX. On XX/XX/XXXX, I received $XXXX direct deposit and I kept the account balance above $500 for more than 60 days. I have contacted the bank 3 times,XX/XX/XXXX andXX/XX/XXXX but the problem was not solved.