WillisBack/dataset-financial-user-claim huggingface dataset:
We had a lot of debt with credit cards etc and were sold a plan with Global Solutions and XXXX Law firm to consolidate our bills. Up until that time we were never, ever late on a payment. Due to illness we thought by consolidating we could pay less monthly and pay off the debt. What we did n't realize was that they would take all their fees up front before ever negotiating with the creditors causing our credit rating to slump and even getting a judgement. On top of that after only a few payments they raised the monthly payment to over {$1000.00} for a year. Then XXXX of the creditors forgave a large amount which resulted in receiving. A XXXX tax form so we had to pay {$4200.00} to the IRS.
I am a XXXX XXXX XXXX XXXX in Arizona. I began doing business with TitleMax Title Loans as they opened and maintained their own auto auction. Throughout the course of their operation, I have come across numerous instances of deceptive business practices and flagrant titling violations. I have proof of the numerous vehicles I purchased through Titlemax Wholesale that were deemed restored/salvage and " Not Actual Miles '' ; those discrepancies were not properly disclosed. I have one instance in particular where I purchased a XXXX XXXX XXXX from TitleMax XXXX of XXXX, AZ. The vehicle was listed for sale on their auction website and it was listed as a good, running vehicle. With the limited information I had from Titlemax, I submitted a commercially-reasonable offer of {$1800.00}. On the evening of XX/XX/XXXX, I received the notification that I had won the bid on the vehicle. That Tuesday, XX/XX/XXXX, I attempted to redeem the vehicle after having paid for it that same morning. As I attempted to start the vehicle, it would n't turn on. The reason being is that the motor vehicle had dirt in the engine and therefore, the engine seized entirely. This is just one of many instanced I can recall from the faulty Titlemax Wholesale operation. I have other dealers in my network that can also attest to such major discrepancies and deceptive practices.
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX reference CFPB case # XXXX. The bank stated there was insufficient funds in my checking account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay my car loan. My XXXX XXXX XXXX  auto loan is routinely paid by monthly automatic debit from my XXXX checking account on the XXXX XXXX XXXX XXXX   XXXX. In this complaint, I provide a copy of my bank statement which shows that my checking account balance on the XXXX of XX/XX/XXXX was more than {$1000.00}. My direct deposit of {$3400.00} was deposited on XX/XX/XXXX and dwindled to {$1000.00} by the morning of XX/XX/XXXX. By the end of the day on XX/XX/XXXX, My checking account balance stood at {$630.00}. The bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. The balance in my checking exceeded {$500.00}. 

On the morning of XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited into my XXXX checking account bringing the total amount of funds available to {$2400.00}. From XX/XX/XXXX until XX/XX/XXXX, my XXXX checking account balance remained between {$730.00} to {$2400.00}. The bank again had ample time to deduct {$500.00} to pay the auto loan since my account balance exceeded {$500.00}. 

On the morning of XX/XX/XXXX, my bank statement shows a balance of {$2100.00}. The bank again failed to withdraw {$500.00} to pay my XXXX car loan. On XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited to my XXXX   checking bringing the total balance to {$1800.00}. From XX/XX/XXXX until XX/XX/XXXX, My XXXX checking balance remained between {$560.00} and {$2100.00}. Between XX/XX/XXXX and XXXX, the bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. Upon realizing the banks error, I immediately made two payments of {$500.00} on my XXXX Auto loan. 

The bank negligently failed to initiated the approved automatic debit to pay my auto loan, although funds were clearly available, and then made a false late payment report to the three credit bureaus. I want XXXX  XXXX XXXX to immediately remove the false late payment from my Auto loan payment history and to restore my excellent payment history to the three credit bureaus. My attached bank statement is evidence above and beyond a reasonable doubt.
I have been working diligently to improve my credit scores and to my surprise today XX/XX/2017 Navient updated interest to student loan appearing on my credit report which caused a XXXX point decrease. They have remarked that my account is in a deferment status so how and why is interest being updated on my credit report. Further more no one at Navient has explained to me what a forebarence means vs deferment. No one has truly helped me to understand my options and what to do about student loans. This incident truly devistated me and I am in a very depressed state because of this. I have no clue as to what to do for this student debt to help my credit and not hurt it. Because of that kind of decrease it could cause other lenders to decrease my credit limits or deny me credit. This whole time I was not made aware of what a forbarence is.. or how it can affect me. At this point Navient needs to recalculate all interest on the student loan debt and be more detailed in ttheir explanation of what I should do. I am also seeking consolidation as 10 separate payment transactions will cause suspicious activity alerts to the institutions I would have to use to even make payments. I do n't agree with the infest that keeps getting updated that is affecting my debt to income ratio I thought evrything was on deferment and I surely did not know that my scores would fall because of interest reporting to the credit bureau
There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. I have disputed to Experian and XXXX. 
But they do n't give me result of the investigation.
I received a credit alert that a collection was placed in my credit report that I have no knowledge about. The collection agency or the medical provider never notified me about the medical bill of {$24.00}. 

I never received any notice regarding the medical bill. The collection agency said they got the collection in XX/XX/XXXX, but this is XX/XX/XXXX and they failed to notify me, allowing me the opportunity to dispute. I am asking that this collection agency remove the derogatory information from my credit report and follow the appropriate laws regarding consumer rights pertaining to medical debts. 

I have asked the physician office to send me the bill, because I never received any medical bills for {$24.00}, I surely would have satisfied this bill.
In reply to Greensky letter of XX/XX/2018 CFPB Complant XXXX 1. The attached Completion Certificate is a forgery, my wife nor I did not sign it. They did not complete and still have not completed the repair of the ceiling in our home that one of their workers fell thought! It seems that Greensky forged our names for XXXX XXXX paid me back all the money that I sent them before the job was completed and the job is still not completed according to the contract with power Home remolding! It been OVER two ( 2 ) years!!!! 
2. The attach email is from the city of XXXX, stating that the roof has not been inspected in accordance with the city codes. SO the job is not completed according to the laws in XXXX! 
3. Greensky or XXXX XXXX remolding needs to be charged with forgery, for XXXX XXXX dose not have a copy of that Forged document that Green sky summated to you!!!!!! 
4. Also the CITY of XXXX NEEDED TO INSPECT THE JOB AND SIGH OFF ON IT,,, I am surprised that Greensky has not forged their names to a document yet! 
5. I do notknow abot the state of XXXX but XXXX state law and local laws state that a roofing job is not ccomplet UNTIL the city inspectors sign off on it!!!! So that forged document is not valeted!!!!
EQUIFAX fails to remove the XXXX Mortgage Serv account information. EQUIFAX reports incorrectly the account is 120+ DAYS PAST DUE. EQUIFAX reports incorrectly the AMOUNT PAST DUE is {$18000.00}. EQUIFAX reports incorrectly the BALANCE IS XXXX.EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I was modified in 2014 under the MAKING HOMES AFFORDABLE plan with XXXX XXXX XXXX. I also have a 2nd mortgage with PNC. This is a toxic mortgage that is interest only that I Have paid for 13 years already, never any principal going down. Since I was modified under the government program, MAKING HOMES AFFORDABLE in 2014,  PNC was to offer me a XXXX loan modification. They never offered this to me. I am stuck with this toxic loan. They make excuses that about match lists. I am enclosing a copy of my HAMP modification and I want PNC to offer me a XXXX with the 1 percent interest rate for 5 years and the XXXX bonus for 5 years of good payments. Please help me. I am XXXX and living on a fixed income. XXXX XXXX helped me very much and this lender is not working with clients the way the rules state. Thank you
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX/XXXX   Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
On Saturday, XX/XX/2018, at about XXXX ET, I put a call through to Paypal customer care about a pending {$500.00} transfer to my Paypal account from my XXXX XXXX XXXX of Account which is taking forever to clear into my Paypal account. 

Given the fact that I needed the money as a matter of urgency, as I want to use it to buy valentine 's gift for my wife. First, I asked the representative if the clearing can be expedited which he said it can't, then I asked if the transaction can be cancelled and reverted back to my bank account, he replied no as well as it's not in their power to do so but my bank which we both agreed might not be possible as it has cleared my bank already. 

I further asked if I can get an overdraft since I have a pending transaction that will definitely clear into my account, he thereafter said he will get back to me and put me on a brief hold, when returned, he said I should type in www.paypal.com/credit and follow the procedure, I quickly asked him if its credit card as what I want is kind of an overdraft and not credit card, he replied no. I followed the procedure and was thereafter denied whatever credit it is. 

To my surprise, I received an email from XXXX XXXX that someone ran my credit and it affected my score and it turned out to be Paypal despite my repeated warnings to the agent and his assurance that I don't want credit card, Paypal went ahead to run my credit and it brought it down from XXXX to XXXX. 

I need a redress and necessary compensation. 

Thank you.
When my new car was totaled, the dealership refused to acknowledge my repeated requests to cancel my Maintenance Program Upgrade Agreement for a full refund, in accordance with the terms of that contract, despite XXXX letters and XXXX emails requesting the same. The lienholder never received the refund and has sent the account to collections.
I have been contacted nearly every day for the past 2 months by a debt collection agency called TransWorld System. The calls are coming from a XXXX area code in XXXX XXXX XXXX but it is a different number each time so I can not block their calls. I have several copies of the recorded messages left. Each time I am asked to call XXXX to speak with " XXXX XXXX XXXX '' and when I call I get a collector. I was informed that they show this number belongs to XXXX XXXX and I do not know anyone by that name. 

I am promised everytime that my number is added to their do not call, but it never happens and the calls continue. I have been as polite as possible but now my frustration level is very high as I can not make it stop. 

Please do something about this lack of concern for my privacy which is now bordering on harrassment for a debt that is not mine. It appears someone made a keystroke error and my number was listed as the contact. I attached a transcript of the last call I did not answer on XXXX. I was contacted last at XXXX on XXXX.
Noticed there was inquiries on my report that arent mine and Werent authorized by me at all. I sent over an FTC identity theft report to Experian also Ive called in to dispute the inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX
Trans Union is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.
As ofXX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXXregarding the issue but the item is still showing on my credit report.
I received a voicemail from someone sayin thier name was XXXX on XXXX XXXX at XXXX. He said he was a privately contracted courier and is being dispatched to get my signature on a notice. That i need to provide 2 forms of identification and that at least 1 of them need to be a government issued picture id such as a driver 's license or passport that is required by state law. His call went straight to voicemail because I have blocked them from calling me and have officially told them to cease contacting me. however blocked callers can still get through when they start their call with XXXX or call while I 'm on a call they get through via call waiting. He then went on to tell me that they were going to try to schedule the delivery to be delivered at my place of employment and or my place of residence. He stated that if I have any questions prior to delivery to call XXXX id XXXX unless he hears otherwise he will give me a call the morning of delivery. I called the number he provided and the person who answered the call was the same voice on my voice mail he answered saying he was with the legal department of the XXXX I gave him the id number left on my voicemail he asked if i were XXXX I replied my name is XXXX he then went into saying he was collecting a debt for ACE cash express I stopped him and told him that he nor anyone hired by him or his company are allowed to show up at my place of employment or my residence and reminded him that I have given them instruction to cease contacting me that I do not owe anything to him or anyone he represents
I never received the loan and the customer service agent was could not find the loan information in the computer database, but then another customer service agent was able to find the loan in the computer but said that I had to fill out another application, but the loan information showed up on my XXXX report. When I tried to retrieve the loan the customer service agent said the loan information was not in the computer. He did not have any information on the loan and said that I just have to start the process over, but when I called back at another time, another agent saw the loan in the computer.
XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for a credit card with TD Bank/XXXX. While the application was declined the fraudulent related inquiry was left on her XXXX credit report XX/XX/XXXX. TD Bank/XXXX  did send a letter confirming the denial of the fraudulent application however the fraudulent inquiry remains on the credit report. A formal dispute of this information was mailed XX/XX/XXXX and received by TD Bank/XXXX however as of this date Nordstrom has failed to reply to and confirm the removal of the fraudulent related data which is a violation of the FCRA.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Equifax was compromised and I have been implicated as impacted. Equifax reported the issue took effect in XXXX, but announced in XXXX to consumers.
I have an auto loan through XXXX XXXX ( Bank XXXX ) which was recently bought out. The " new '' bank, XXXX XXXX XXXX ( Bank XXXX ) who I was referred to by " Bank XXXX '' is advising they have no records of my account and do not own it. I was current on my loan prior to this debacle and have withheld making future payments in fear of being scammed. I was current on my loan up to XX/XX/2018. 

As of Friday XX/XX/2018 an unknown party, American Credit Acceptance ( Bank XXXX ), has started reaching out to me by phone and mail demanding payment for the loan and threatening repossession. In addition to demanding the money they have also sent a letter stating they have retained a collection agency for assistance in recovery of the vehicle on the basis I'm in violation of the loan terms because they do not have any of my auto insurance information ; which sounds like they are phishing for information they should already have if they were the account owner ( another fed flag ). This collection agency has began the a typical harassing behavior of debt collectors to myself and my referrals. I have asked for proof of debt/validation that they have the account and have not provided it, after advising I do not believe they are the account owners. I have requested proof of debt/validation and they have not supplied it which is a red flag. 

I reached out to " Bank XXXX '' Wednesday XX/XX/2018 being the originator of the loan, inquiring about " Bank XXXX '' and they have no knowledge of this company. In due diligence trying to dig into this, " Bank XXXX '' advised on a phone call Wednesday XX/XX/2018 they mailed an advisory letter sometime in XX/XX/2018 which I never received. I asked for a copy and they advised they could only provide a blank template of the letter sent to the customers ( which I requested and still have not received ). I contacted " Bank XXXX '' Thursday XX/XX/2018 when I was told they have no record of the debt. I contacted " Bank XXXX '' Friday XX/XX/2018 and Thursday XX/XX/2018 and requested proof be sent to me ( which I have still not received ). The lack of information being provided to me are red flags. 

My Credit report which I pulled on Thursday XX/XX/2018 shows " Bank XXXX '' as having the account but the debt is paid in full. Why has this not been updated to reflect the new account owner of my loan? ... which is another red flag.
Hello, On XX/XX/XXXX, at approximately XXXX XXXX Arizona time, I attempted to have a security freeze removed from my credit report. This freeze has been in place for a long time. We had been through a chapter XXXX bankruptcy in the mean time. The website could not verify my information. I called and was eventually transferred to a woman who spoke poorly, had a heavy accent and would not listen to any of my pleas for clarification. I was able to figure out ultimately online how to resolve this matter and she did provide enough sentence fragments to point me in a direction. Experian was dismissive and condescending. Could not wait to get me off the phone and would not answer my questions. When I asked to talk to someone else such a supervisor I was ignored and stonewalled. I do not understand how a company with so much control over my financial life can be so lazy when it comes to customer support. All I wanted was information on how to resolve this and what I got but a minimalist brushoff both insulting and vague. As a company, they have a responsibility to communicate how to resolve issues better. I fumbled around the website until I found the answer but I largely abandoned and dismissed by Experian.
I did not realize the Equifax had been compromise. I believe my ssn has been compromised. I checked on their website on XXXX XXXX and it said I may be at risk. I did not give them permission to release me private data.
My student loans were previously managed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( " Great Lakes '' ) before being transferred to XXXX XXXX in XX/XX/XXXX. I'm concerned that the information transferred was incomplete, most importantly regarding my past qualifying payments. I requested that all of my records be provided to me via email through their customer service webpage and received an email on XX/XX/XXXX, notifying me that they would be sent via email per my request. Nothing happened. 

I lost track of the request that they didn't fulfill and reached out again in XX/XX/XXXX, again with no response. I think as a borrower these documents should be well organized and stored by the loan servicers. All I want is proof that I have made more payments than are currently on record because I'm a public employee and hope to use the Public Student Loan Forgiveness program. It would be unfair if all qualifying payments weren't counted due to poor clerical management on a private company 's behalf.
XXXX and Transunion refuse to remove fraudulent inquiries on my Credit Report. On XXXX XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social Security card, and a recent copy of utility bill to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with XXXX and TransUnion. Thank you for your time.
Between XX/XX/XXXX and XX/XX/XXXX my identity was stolen and a fraudulent account was opened in my name by XXXX XXXX XXXX. The item is negatively effecting my Experian, XXXX, and XXXX  account. I need the item removed from my credit immediately.
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.