WillisBack/dataset-financial-user-claim huggingface dataset:
As of XXXX XXXX, 2016, I went to XXXX of XXXX XXXX, NJ to purchase as used vehicle. I was introduced to the XXXX XXXX vehicle that I am currently driving now by XXXX ( the dealer ), he introduced the vehicle as one with no problems, and WITHOUT AN " AS IS STICKER " on the vehicle, implying that the vehicle would be under a form of warranty. 
As of XXXX XXXX, 2016, I went to the dealership to fill out the forms to purchase the vehicle with the manager, and I was swarmed with documents that I had to sign, but later I realized that there was no CAR FAX document to give a history of the condition of the vehicle. Since then I have been calling them to get a copy of the CAR FAX, and I have been getting the run around because since I purchased this vehicle, which has only been one year and three months, I have had to pay over XXXX in repair fees, for parts on the vehicle that should n't be in need of repairs in such a short time. Also there was no AS IS sticker on the vehicle, so I was under the impression that I was under a form of warranty. I then had a professional mechanic inspect the chassy of this vehicle and discover that this vehicle has suffer major water damage, AS IF IT WAS IN A FLOOD. So in summation, I paid XXXX, as a down payment, on a vehicle that was listed at XXXX, but with all of the newly discovered damages, like THE DIFFERENTIAL TRANSFER CASING, MUFFLER PIPE, AND THE FOUR WHEEL DRIVE AXIL, note : items that a newly purchased vehicle should be in need of repair, Is only worth less than my down payment amount. And yet I still have not got a CAR FAX statement on the history of this vehicle, and with the documentation I was given with this vehicle there is no AS IS sticker, nor was there one posted on the vehicle when I first looked at the vehicle. Yet I was told that the vehicle was a purchase AS IS, and there is no warranty, after i discovered damage to the vehicle. All together I spent XXXX out of pocket for a used vehicle in which throughout the nature of the loan I still owe XXXX. THIS IS NOT FAIR ... ...
I filed complaints for First Federal Credit Control on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX in regards to an account of {$800.00}. Although the information that has been presented by the collection agency was inaccurate and incorrect and a violation of HIPAA instead of removing or deleting the debt for its inaccuracies and for violating my rights as a patient " changes '' were made in their records to make the documentation more creditable. The reporting of this debt was made prior to allowing me to validate it which may be a violation of the Fair Credit Bureaus Act, to which can allow me to seek damages from a collection agent. The collection agency REFUSES to provide what I am asking for. I have requested NUMEROUS times for a contract or an instrument bearing my signature as LEGAL proof of the alleged debt. I did not request a " itemization of charges '' to which the collection agency has sent to my home address. Once again, I am STILL NOT requesting a bill or a " itemization of charges '' of this account because that is not sufficient documentation. I demand for First Federal Credit Control to provide a contract bearing my signature as evidence of the validity of this alleged debt. I demand that the collection agency to be compliant with my request of providing the following documentation that I am requesting, a contract bearing my signature, as that is the only documentation that I will accept as a form of validation. Until I receive the documentation that I am requesting I will continue to file complaints.
I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
On XX/XX/XXXX, I was contacted by XXXX XXXX an account manager at Midland Credit Management. According to XXXX XXXX, the Account XXXX at Midland Credit Management, this account was opened on XX/XX/XXXX. XXXX XXXX stated that {$920.00} was outstanding on this XXXX account. I spoke with XXXX 's Fraud Department and they have no record of this account or of selling this account to Midland Credit Management. XXXX XXXX XXXX an account manager at Midland Credit Management would not provide me with additional information on this account and informed me that I would need to file a police report in order to resolve this matter. I then went to my local police department and filed an identity theft report. I called Midland Credit on XX/XX/XXXX and spoke with XXXX XXXX again and he insisted that I owed {$920.00} to his company. I informed him that XXXX has no record of an account being set up in my name. I asked him who his company bought this debt from and he stated, " I can not provide you with that information. '' I asked him if his company was trying to defraud me and he said, " Would you ask a thief if he was trying to steal from you. '' XXXX XXXX then quickly hung up on me.
I enrolled both of my XXXX XXXX accounts with XXXX XXXX XXXX XXXX to begin getting myself out of debt in XXXX XXXX. Both accounts were current and I was advised by my counselor to stop making payments, as they would be made on my behalf through XXXX. {$150.00} and {$66.00} respectively were paid to the accounts in both XXXX, XXXX and XXXX ( proof attached ). The amount paid to XXXX did not cover the full XXXX XXXX payment, and this resulted in a late status being posted to my credit reports for XXXX, XXXX and XXXX. I was informed by XXXX XXXX and by XXXX that the accounts would " re-age '' in XXXX and that the late status for those three months would be removed from my report. This has not occurred. I would like for the late payment status to be removed for the months of XXXX, XXXX and XXXX for both accounts.
On XX/XX/18 at XXXX XXXX, I called One Main Financial. I believe I spoke with Someone named XXXX. I told her I no longer authorized Aut draft payments from my checking account. We had to go over this several times. I told her I had some medical issues, and had missed some work and I needed to change to manual payments. She talked to her manager, then came back and told me they would remove my Aut draft from my checking account, but my payment was still due by theXX/XX/XXXX Today I checked my bank account, and they still auto drafted my account. This has caused even more financial hardship ... and I want this stopped. Being that I called on XX/XX/18, One Main Financial had more than enough time to cancel the auto draft on my account.
XXXX XXXX is reporting late payments on my credit report every 15 days so my credit report is showing late payments up to 90 days. Spoke with the customer care rep at the mortgage company and asked why after the XX/XX/XXXX day are they reporting it late and I was informed that anything after the actual payment date can be reported. Its never 30 days late and I even sent them a goodwill letter and was told nothing could be done once they reported it. Contacted all three of the credit bureaus and was told in less than 15 days that the investigation was complete and no changes where made. I was no longer eligible to dispute again, because according to them by law they had done what they were suppose to!!
This company informed me that first ; they were suing me. I then asked again if they were suing me, they then informed me that they were in the process of suing me. I then asked questions, the story then changed to ... ... they were in the process or making an attempt to sue me and that I would be faced with a summary judgment and then be required to pay legal fees as well. They then informed me that regardless a summary judgment would stay on my credit report for ten years if I paid or not.
On XXXX Campus XXXX XXXX XXXX and XXXX ran hard inquiries on my Equifax Credit report and XXXX Credit Report. XXXX removed this hard inquiries since I did not authorize them and never heard of these companies before. 
Equifax still has not removed them from my equifax credit report. 
We still need this to happen. This is our second request to have these unauthorized fraudulent hard inquires removed from our equifax credit report. Do n't understand why equifax is not doing what XXXX did and remove them immediately.
Experian is stalling the resolution of the investigation of my complaint against them by asking for more information that was already sent to them in my last credit report dispute - information that they recognized receiving by giving me a dispute number for it.
My complaint is against Transworld Systems Inc. For unfair and deceptive credit collection practices. I paid a collection item for {$100.00} on XX/XX/2017 which I did not know I had until I recently checked my credit report. I still dispute the item, however to close on my mortgage I decided to pay it as long as Transworld would get me a paid receipt. Transworld said at the time they could e-mail me a paid receipt upon my payment. I paid them via my debit card, and as off today they have not delivered me a paid receipt. I believe they tricked me into paying something and did not follow through on their end. Now I may not be able to close on my mortgage. this has caused much more drama than necessary for a small item I dispute. I believe they have a responsibility to do what they say they will do to help the consumer, especially one that is paying them.
Debt Collector, Investment Retriever 's has manipulated accounts that have been reported as Identity Theft accounts from my credit report and re-reported them multiple times on my credit reports issued by  XXXX ,  XXXX , and  XXXX . By slightly altering the original account information on file including account numbers and account names and dates certain accounts have been re-reported or duplicated to appear on my report as another account with a different negative status. The original accounts are in fact closed, but by altering the date info the accounts also report as newly opened accounts that are past due. The purpose of this decietful act is done deliberately to damage my credit reports. As a result there are accounts reported that do not even exist that are essentially replacing the accounts that have been reported to the FTC as being Identity Theft.
To Whom it May Concern. 

I had an established PayPal account that was terminated unfairly. Under PayPal 's Terms and Conditions, I believe I did not violate anything to cause my termination. The response that I was given from Paypal was the following : Our decision is based on one of these reasons : 1 ) You provided information we believe false, inaccurate, or misleading. 
2 ) You sent or received money that could be related to fraudulent activity. 
3 ) You have more than XXXX account with a negative balance 4 ) You are in violation of an agreement you have with PayPal such as the User Agreement, the Commercial Entity Agreement, or the Acceptable Use Policy. 

On XXXX XXXX of this year, I bought XXXX Gift XXXX on XXXX separate eBay accounts ( both under my name ), with the same PayPal account. In no way is this a violation of PayPal 's Terms and Conditions. 

When my PayPal account was limited and I was prompted with the form to explain my two transactions, I told the truth that I used eBay gift cards to buy XXXX gift cards. 

The main issue I now have is that I have XXXX eBay gift cards, each for {$140.00} that are tied to XXXX different eBay accounts, but I need a PayPal account to actually use said eBay gift cards. Now that my account is terminated, I can no longer use the gift cards, thus losing out on {$290.00}.
After multiple credit bureau disputes, Equifax is the only bureau to not do a proper investigation otherwise they would have easily found out that XXXX made a mistake in reporting my 60 day late in XX/XX/XXXX. My wages are being garnished and was never late since it is automatically taken from my paycheck. I have attached the incorrect reporting by Equifax showing the lates. I have also included a screenshot of my XXXX chat on XX/XX/XXXX with the XXXX rep stated that they made the mistake and it would be corrected in 10 business days ( NOW EXACTLY 6 MONTHS LATER STILL NO CORRECTION ) AND I STILL CANT GET MY HOME LOAN DUE TO THIS.
I start making payments to XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX on time for the amount of {$100.00} a month, and XXXX XXXX they said that already report all payments on time but is not in my credit report I want Transunion credit bureau to credit my report pay as agreed for all payments I have made on time to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.
My mortgage was sold by XXXX to Chase as of XXXX XXXX, 2015. With XXXX and original mortgage company, XXXX, I paid my mortgage biweekly. It was due to this free biweekly payment option and the mortgage rate that I signed up with XXXX originally. 
When XXXX sold my mortgage to XXXX, all the conditions of my mortgage stayed the same, including biweekly payment. With biweekly payment, I pay less in interest over the life of the loan and the loan is paid off sooner without any extra financial burden. 
Chase does not have the biweekly payment as an option! I called Chase, stated that this change of mortgage payment results in financial loss to me, and asked them to either compensate me, provide the service, or sell my mortgage to a company that can keep all the loan conditions as it was with XXXX. 
Chase responded that I have to accept their conditions! 
This is outrageous! I want to challenge the legality of Chase action. 

Please help me with this issue.
I was a victim of Identity Theft this summer. I thought it was over in XX/XX/XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had XXXX new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!
The company filed a report against my credit without contacting me. When I contacted the company to see why they had filed a report against my credit without contacting me they stated I had given false information about myself. As I had never given any information on the debt as it was not mine ( it was a mistake from XXXX ). When I asked them to give me the information that led them to file the report against my credit they refused. They stated I had provided fraudulent material to XXXX and it was my responsibility to give a phone number and address I never gave any of that information to anyone as it was not my debt. They stated that I must contact XXXX. Only through them could I contest the charge. The company never contacted me and filed a resolution against my credit score and never provided any information to me on why they did this. They refused to help me at all when I explained their numerous mistakes in contact information ( that I had never provided as the initial company made the mistake ). XXXX worked to resolve this quickly. The debt collection agency said it was all my responsibility for THEIR mistake. They have kept the mark on my credit report even though I never had an opportunity to respond as they had wrong information and never contacted me to allow me to dispute their claim.
Received a email my account is in overdraft for XXXX you can not withdraw a XXXX from you account have not been using my card to order any thing lately and I went into the bank to withdraw this month with this technology and online management is becoming a nuisances and a avenue to abuse and charge customers erroroansly. I dont want to thing my bank or the products I use are scamming my account had to replace my card recently because of uber charges adjusting to the account at XXXX XXXX. Please same thing happen to my XXXX money card I feel like I am being discriminated against.
I received a pre-paid VISA from XXXX which was issued by CITI Group in the amount of {$150.00} in XXXX. It had an expiration date of XX/XX/XXXX. A copy of the card is attached. I misplaced the card and I did not use the card by that date. I found the card in XX/XX/XXXX. I asked XXXX to issue me another one - they told me I had to talk to CITI. I called CITI XX/XX/XXXX and they told me that the card was no longer valid and that they could not issue me another one, nor could they give me any money - they said that the card showed a zero balance due to it having not been used by the prescribed use-by date of XX/XX/XXXX. 

Now fast forward - I read somewhere that what CITI told me was not correct. I called CITI again on XX/XX/XXXX and this time they told me that the card did in fact have a balance of {$120.00} - I asked them why it only had a balance of {$120.00} and they told me that it was being surcharged {$3.00} per month for being dormant. I asked them to give me the {$120.00} - in some form or fashion - either a check, reactivate the card or issue a new card. CITI told me that they could not return the money to me - that is a pretty good trick - The money is there and they get to keep it until they surcharge it down to nothing even though I have asked for the money or another card. This seems like a dirty rotten way to do business - and I hope that you can do something about this. Again, when I talked to CITI in XX/XX/XXXX they told me one thing and then in XX/XX/XXXX they told me something else. Also, when I called on XX/XX/XXXX the person that I spoke with ( XXXX - no last name ... - in the XXXX ) would not allow me to speak with anyone else even though I asked for a supervisor. I told her that I was going to file a complaint - at that point she put me on hold for probably 7 or 8 minutes and when she came back she wanted my cell phone number and she told me that someone would call me to speak with me. I gave her my cell phone number but I have not had any call from CITI regarding this matter.
These are computer generated phone calls at least XXXX times a day even on saturdat.they leave me a message and have my last name spelled wrong.so then they say they are a consumer credit counseling co.and someone is trying to sue you.but when i called their number they answer as portfolio credit collection agency lying about who they are.i am on social security XXXX and are being treated by a XXXX from the veterens adm.for XXXX XXXX and the constant phone calls are making it difficult to get better
The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. In 2014, upon request I paid {$2000.00} dollars to XXXX XXXX, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX XXXX I was on the phone for at least an hour ), she mentioned that she could n't open the dispute simply because it goes against company policy and procedure via XXXX and XXXX card, they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay. 

Thank you, XXXX XXXX
The summarized story is : the 3rd party vendor my mortgage company hired to manage our claim has not forwarded any funds since the initial set of checks sent in XX/XX/XXXX. 

I have documented all of our calls and names of my instructions. This is only in note taking form. They have a copy of the recorded conversations, but will not release them to me without a court order, and will not communicate any other way. 

Every time I call I get a different answer and a different set of hoops to jump through. I go attend to the new instructions, then yet another problem emerges. From the beginning I was told several times that because I was in Texas my GC did not need a licence. I have it in my notes. I never saw anything other than this information on the web site. As soon as I turn in my first set of receipts and complete documentation on my General contractor, I am told they need insurance. My GC spends XXXX XXXX and buys insurance. Which we turn in and the next time I call I am told a Bond is  needed. The cost will be around $ 10K. When was this decided? Why was this not discussed sooner? I am told this is a direct request from XXXX XXXX, who should have nothing to do with my loan. When I call TIAA, they forward me to their loss dept, who no one in the dept is employed by TIAA. nor was interested in helping me further. 

Furthermore my mortgage company told us at closing, we were not required to buy flood insurance. We live or lived in a no flood zone. We purchased the policy on our own, but now they hold our money, dictating how we spend it. 

I have turned in plans, drawn up by a certified architect, with a few changes to our floor plan by a certified aging in place designer. The plans are stamped and permitted by the city of XXXX and ready to go. I hired XXXX XXXX XXXX to manage the process, not only because they are awesome, but I have known them since I was XXXX, and with all the accounts of fraudulent behavior, I wanted someone I could trust. 
When TIAA insisted they get insurance, they got insurance, which they will drop, as soon as my house is complete. Why? Because no one else in Texas requires it. ( By the way I am XXXX 's 5th Harvey house repair, no one has asked for licence, bond or insurance ) so XXXX XXXX later, ( which will be added to my bill, so that is {$4.00} XXXX less going to actual repairs and another month of delay ) now they want a bond. This is mind boggling. They want me to pay $ 10k, to  insure, my insurance money, who, I am the only one who paid for it in the first place! 

Funds are tight. We are still living upstairs, all through the summer with little plumbing and no electrical downstairs, yes that means no A/C. Its been a a year now. I am XXXX and have XXXX kids in college. We have done everything to the letter according to XXXX code and then some. No one else is paying XXXX XXXX extra for bonds and insurance. 

Please advise, without calling an attorney Which is just more money out of pocket, I am not sure where else to. Thank you.
Downloaded my credit report from Equifax on   XXXX  . Noticed the name was incorrect - all credit reporting info WAS correct. The name on the report was that of my daughter BUT it used her maiden name rather than married. The last time I checked my report was in   XXXX   and there were no issues at that time. My daughter, with her name changed to that of her husband, has been married 11 years - longer than the last report. I am working with Equifax to restore MY name to MY report - so far, no issues other than time. But I am concerned about the name change without any apparent rationale.