WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : Discover Card XXXX account # XXXX, XXXX XXXX # XXXX and XXXX # XXXX. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter. 

He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX   report in the mail yesterday. 

I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some  point. I have never applied for a Discover Card, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with XXXX. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.
Creditor has stated that I owe XXXX then XXXX then XXXX. They change the amount each month. They constantly report it differently on my credit report. This debt was paid by the insurance company back in 2012. XXXX XXXX keeps reporting different creditors under my name with the amount of XXXX then they will decrease it to XXXX. Then re report it with a different date. Then they change it again to XXXX. This goes on constantly.
Last year, I applied for a credit card from XXXX XXXX and paid the processing fee. However, after several weeks and no card I called the company to tell them I was cancelling and would no longer need the card. At that time I was informed that the card had been used and charges totaling {$270.00} were on the card. I immediately informed the representative that I had never received the card and therefore the charges were n't mine. The representative also informed me that someone had called and reported the card lost from a different number than I was calling from now. I informed her this was my only number. We went through a list of the charges where I again confirmed they did n't belong to me. The representative stated I would receive some paperwork to fill out and return. I never received any such paperwork. I did begin to get collection notices from collection agency regarding this issue. I filed a dispute that came back verified and was horrified because I know I 'm not responsible for these charges. This collection now sits on my credit report showing 120 past due.
i purchase a vehicle from ally financial the total of the car {$9300.00} without taxes and interest added so after everything was added i finance {$10000.00} for the car it self and then it was {$2500.00} added for finance charges for the 48 month loan which brought my debt to {$13000.00}. paying {$280.00} a month for 24 months which totals the {$13000.00} ... now my issue is that my car got totals 19 months in have the loan.. so the insurance only paid off {$6600.00} the blue book value.. and after what i paid i got a bill in XXXX XXXX saying i owe them XXXX balance and at that time i was told my next payment was n't due until XXXX XXXX because they calculated the payments as advance payments.. but they did issue another bill in XXXX fixing the error saying my next bill was due in XXXX XXXX for {$280.00} prior before that on XXXX XXXX XXXX i start paying them {$15.00} a week just to be paying towards the bill so now i have paid about {$200.00} towards that bill, so i call in so they could subtracts what i had paid so far but they act like they had n't got any payment from me, so i kept paying up until XX/XX/XXXX because they would never acknowledge my payment so i stop paying them after reading my contract say my payments could be cheaper if my car got paid off early, so i inquire about that, but they would n't give me no information on that ... my contract charge me {$2500.00} for 48 months so if i paid it off in less then 24 month i should n't have to paid the full interest, they should 've have gave me a paid balance subtracting some of the interest, how can they still charge me for the 48 months interest when the car is almost paid off plus they where charging me a daily interest as well they said, i have all my receipt could you please inform me if they can continued to charge me for the full interest if i paid them off early, plus they have not subtract what i been paying weekly, i sent then a copy of my bank statement showing what they where taking out my account.. please help they are robbing customer taking extra interest from customer ...
I 'm into 23 cycle of my 30 yrs loan. Loan any XXXX at 4.499 %. Recently when I checked my principal+interest composition, it appears that my interest is double than principal. Is that sound right, granted that in the coming years it will come down but banks collecting interest more than the principal sounds morally unethical. We all work hard to pay mortgage/bills and to meet our ends. But when you learn that banks safe guard their interest and profits, and keep their interest at higher priority than you as a customer it sounds wrong. Just to put into perspective, off the total money i.e. towards principal and interest I pay, more than {$1000.00} goes towards interest and less than {$500.00} towards principal. Is this ethical? Not until 15 yrs into loan, my principal n interest would be equally. That means I 'm XXXX if I want to buy another house n sell my current house. Banks has collected more interest in 2 yrs than paid towards principal. Is n't this incorrect? I mean how will low to medium income family survive. My contact XXXXXXXXXXXX.
My Credit Report issued by any and all credit agencies included a list of all businesses who have check my credit and ordered a copy of my Credit Report. There were a total of XXXX businesses in the list during the year 2014 alone. None of the businesses had my permission to obtain my Credit Report. They acted illegally in obtaining my Credit Report. 
During said time, I was shopping for better insurance on my home and car on the internet. 
I was also shopping for a refinancing of my home mortgage with a small amount of " cash out '' of my equity to pay enormous medical bills not covered by my health Insurance. 
Neither of these reasons should affect my Credit Rating, but they do, for reasons I am not aware of. 
All of the companies in the list should and must be eliminated from my Credit Report. Their need for information on my Credit Report is purely speculative in nature, and prejudicial as any negative statement on my Credit Report. They have usurped their need to my demand for privacy.
I have been disputing a Chapter XXXX Bankruptcy with Experian since XX/XX/18 and have sent multiple letters asking for verification and they have changed their sources several times. They in turn have noted on my credit report an address and phone number of a Bankruptcy Court to which I called and was told they never spoke to any representative from Experian and never would. Experian 's last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XX/XX/XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Experian 's claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.
I am a parent borrower ( my daughter was a student ) and I borrowed {$41000.00} in total paid {$18000.00} so that left {$23000.00} unpaid. I am willing to pay base on my income I tried to apply for lower monthly payment with XXXX XXXX XXXX. They told me to consolidate the loan that in order I am able to lower payment. I thought that was I had been seeking and I applied for that option. Then they received email from XXXX ( XXXX XXXX XXXX ) for consolidation and I replied back right after regarding withdrawing the application due to missunstood because of the principal balance go higher that I did not know. The XXXX rejected my request of withdraw the application. I do not think it is right because borrower has right to cancel the application. 
I keep paying what I owe XXXX as much as I can but I never agree with the term of loan I have addressed this to XXXX but they ignore. I am seeking for help to solve this issue I hope CFPB may help. 

Thank you for your help in advance. 

XXXX XXXX my last SS # XXXX resident of XXXX XXXX XXXX, XXXX, Ma XXXX email XXXX XXXX
In my two previous complaints I requested Cooling & Winter for some specific items and I was never provided with them nor was my request in those request were not responded to. 

I asked for contract with my signature on it and I was only provided with statements and a Bill of sale. That is not a complete validation of the alleged debt which is in violation of the FDPA. 

I also requested for all debt collection attempts cease and the lawsuit be dismissed against me and you guys failed to respond to that request. I am only being offered to discuss a payment plan. 

I am a recent XXXX XXXX and I am currently unemployed with no income coming in at this time which will not meet any requirements for a payment plan.
On the night of XX/XX/2018 my husband 's wallet was stolen ( pickpocketed ) while on a visit to XXXX. When we realized this happened the next morning, we immediately called Chase ( along with the other CC companies ) and logged into our account to see {$1000.00} had been withdrawn at an ATM, and XXXX XXXX purchases totaling over {$2600.00} had been made between the hours of XXXX and XXXX on XX/XX/18. We then went to the police station and filed a police report ( XXXX PD case number XXXX ). 

Initially, Chase gave us a temporary credit to cover the costs but last week determined that they would not cover the claim and reversed the credits back out of our account. Even worse, they froze our savings account so we couldn't transfer money out to cover the overdrafts until we called and BEGGED them to unfreeze it for a few minutes. 

Their reason for the claim denial was that a PIN was used to make the purchases. We believe ( as did the sergeant who filed our police report ) that my husband was followed and targeted - watching him enter his PIN at a XXXX OR this was an inside job. 

Chase was negligent on several security measures : 1 - ATM Daily Limits. The thief was able to take out over {$1000.00} in ATM withdrawals, exceeding the daily limits on the account. 
2 - Access to linked accounts. The thief was able to re-point my husband 's Visa debit card to my checking account ( where there was more money ) and spend against it. 
3 - 11 unusual transactions were made in the middle of the night ( XXXX ) in a town we have never visited and at every one of them they took {$100.00} in cash back. Their fraud detection systems never caught them. And the cashier at XXXX was likely in on it - 9 of those transactions were at the same store in XXXX, IL. 

Last week, we received a tattered envelope with his water-soaked wallet with his license and insurance cards. The note said the wallet had been found on a street corner in downtown XXXX. Credit cards and cash were missing, of course. They took what they wanted and dumped the rest. 

Having been a customer with Chase for many years ( close to 20 ), we are so frustrated with this situation. Chase has refused to research the ATM or XXXX purchases and claims no responsibility in protecting us.
I have asked midland funding to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report
A EFT was taken out of my M and T bank account in the amount of XXXX on XXXX XXXX, 2015 by XXXX XXXX XXXX. I called the bank on XXXX/XXXX/15 to have the payment deauthorized. I was refused and told M and T that I could ONLY file a dispute. I filed a dispute. I was denied. I called XXXX XXXX XXXX and they spoke to the bank after speaking to XXXX supervisors I was turned away again. I was advised that I had up to XXXX days to deauthorize any payment.
XXXX XXXX states that I broke terms of my contract by terminating my service before the contract timeline was over. I was never in a contract with XXXX XXXX. I was on my mothers phone plan and took my phone number over to my own account. In the process of doing so I was told when this happened that there was no contract nor did I sign any physical documents. I never signed any contract for the phone service that they are trying to collect debt for. I paid all of my appropriately owed bills in full. The amount they are requesting that I pay was described as an early termination fee of XXXX. I denied to pay this fee as I nor they could provide me any records or evidence that I had signed a contract with them. I contacted XXXX several times as well as the local XXXX store I was established with and received no help nor formal documents of my contract. They eventually sent my account to collections. I was contacted by North Shore Agency - a collections agency - to collect the debt I supposedly owed. I contacted north shore agency via mail and told them my story that this debt was not valid and I was never under contract. They looked into the issue and were also unable to obtain any information/proof from XXXX that I indeed owed this debt. They sent me an apology letter and told me unless I was contacted by them It would be dropped. I have never heard any information from either XXXX nor the collection agency regarding my debt for a little over a year now. I have records of the communication between North Shore Agency and I about this issue. However, this is still on my credit report and is effecting my score. I am complaining to have this mark removed.
XXXX OF XXXX XXXX XXXX date of servicedid not bill insurance company evertried to collect from XXXX XXXX XX/XX/XXXX after sold to XXXX XXXX systems. XXXX was insurer of record and verified coverage and that XXXX has no obligation to pay. Now " debt '' sold to another entity XXXX XXXX XXXX XXXXand Dynamic Recovery Solutions is now billing XXXX XXXX for same {$630.00} which he is not obligated to pay.
XXXX is a tribal lender that is not a legal lender to date they have been paid XXXX on a XXXX dollar loan. And are demanding another XXXX which I do n't have. I am in chapter XXXX bankruptcy and this loan should be paid in full with the money I have paid.
The car financing company XXXX is currently reporting as a closed account on with all XXXX credit bureaus. They are also reporting as a judgement on equifax. I have contacted all three credit bureaus because XXXX is currently garnishing my wages receiving roughly about XXXX per month since XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I do not have the financial ability to be represented by an attorney. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me why is they are choosing to not accept my letter and my humble request for an investigation of my accounts?
I checked in the XXXX XXXX XXXX XXXX on XX/XX/XXXX, the room was previously reserved for 3 people utilizing a different debit card. However, the hotel was contacted prior to my arrival and told only I would be arriving, would that be a problem, the representative state no and asked if I would like a smaller room for 1 person, she was told yes and the room was changed. Upon check in the represented double charged my debit card {$530.00}, she stated it was a mistake and the money would be released, however I requested to speak with a manager because I did not want any problems. I was told not to worry I would only be charged {$530.00} for my room and resort fees would be waived due to the mistake, not to worry my bill had to be paid in full upon check in because I was utilizing a debit card. I requested a receipt and was provided a paper that stated I owed XXXX  balance. After I checked out of the hotel on XX/XX/XXXX the XXXX XXXX, changed the {$530.00} charge to {$670.00}, without notifying me at all. Then on approximately XX/XX/XXXX XXXX XXXX changed the charge to {$1200.00}, without authorization from me. However, Bank of America paid the charge without notifying me, therefore placing my account at a - {$520.00}. I immediately contacted XXXX and spoke with an extremely rude supervisor, then I contacted Bank of America and filed a disputed, then I contacted the XXXX XXXX XXXX ( XXXX ), because what XXXX did was simply theft, the original room was never reserved on my debit card, and the room was changed to a smaller room ; I never authorized {$1200.00} on my debit card. I provided documentation of the XXXX  balance receipt, the complaint to the XXXX, and emails between myself and manager 's at XXXX concerning this matter, with no success. Despite all the documentation I had to pay to have faxed to Bank of America, they allowed the charge to stand. On XX/XX/XXXX @ XXXX, I spoke with XXXX in Georgia and was transferred to Mr. XXXX a manager at Bank of America, who requested I submit the documents again, which I did. On XX/XX/XXXX, I contacted Mr. XXXX, in South Carolina with Bank of America and informed him that I want the claim to continue being disputing because XXXX was stealing, and as a college student I could not afford to pay the additional {$530.00} or have my credit negatively affected. Months went by with no response until, I received a letter from Bank of America on XX/XX/XXXX, stating my account had been closed, and consumer reporting agency notified. This is wrong, Bank of America claims they protect customers, so why are they allowing XXXX to steal from me. I was not notified of a suspicious transaction or anything. XXXX double charged me upon check in, then increased the charge as late as 3 days after I checked out without my consent, yet Bank of America closed my account rather than file a complaint against XXXX XXXX. This is an example of large corporations taking advantage of consumers.
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Loan was sold to another company that is reporting negatively on my report been trying to find out if my loan is part of the class action settlement I only get a recording
Asset Acceptance has been pursing me since XX/XX/XXXX. I was summons to court and the judge threw the case out in XX/XX/XXXX. Now they have re opened the case and are trying to garnish my wages. I have contacted The Attorney General, I was informed AA has been under investigation for years, per email I was told to contact CFPB and file a complaint. AA has not contacted me or sent me paperwork, I only found out through the XXXX County Clerk of Courts doing a random search of records for my name. I am not sure what to do at this point.