WillisBack/dataset-financial-user-claim huggingface dataset:
Report Number : XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : FRAUDULENT INQUIREExperian report # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid  you in resolving this matter promptly.
GAP Visa Signature Card is blocking me from enabling external applications including XXXX and XXXX. I need full access to my financial data.
In the matter of XXXX vs. XXXX, XXXX XXXX INDEX # XXXX Summons and Complaint : No one personally served Summon and complain upon defendants, mail or otherwise. 

On XX/XX/XXXX @ XXXX at XXXX XXXX XXXX XXXX XXXX NY, XXXX, XXXX XXXX XXXX sworn to an affidavit of service that he personally served both XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX had to have keys to enter the building to go to the second floor. This is a private building with a secured front door. At that time in question I was at work and XXXX has a XXXX, there is no other way she could have gone down the steps to the front door to open it without my help. If XXXX XXXX had served me XXXX XXXX at that time and date at XXXX XXXX XXXX XXXX NY XXXX then the affidavit of service would of have some substantial merit. NOTICE that XXXX XXXX XXXX did n't give any characteristics of the hallway or the building description, furthermore he describe XXXX XXXX as XXXX indicating he never came into contact with XXXX XXXX. 
NOTICE : That XXXX XXXX XXXX was reprimanded for acts of the same nature : DEPARTMENT OF CONSUMER AFFAIRS against XXXX XXXX Violation # XXXX. 

2- After an intensive investigation, all assignments of this mortgage are fraudulent in nature a matter of factual discovery there were no sale. All plaintiffs, XXXX, WELLS FARGO and all of them have no standing to bring any foreclosure action and have brought fraud into the honorable court. 
Assignment of Mortgage to XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. 
XXXX XXXX XXXX working for Wells Fargo NOT XXXX. 

Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. working for Wells Fargo NOT XXXX Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX, Home Equity Mortgage Asset-Backed Pass-Through Certificates, Series XXXX. 
Signed by XXXX XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee, onXX/XX/XXXX i call WELL FARGO and spoke to XXXX XXXX XXXX @ XXXX that confirm that XXXX XXXX XXXX XXXX is an employee of wells fargo NOT XXXX. 

ALL INFORMATION ARE FACTS WITH SUPPORT.
Hello! My name is XXXX, and I have a problem with Carecredit card. I tried to make a payment on time to finish my debt, but they rejected my payment. I called the company and put me on hold and did not answer. Please, help. I want to get rid of this credit card as soon s possible. Thank you.
I have contacted Equifax regarding unauthorized inquiries on my credit report. I have made them aware that I have inquiries that I did not authorize. These companies, such as XXXX ( has XXXX inquiries ), XXXX 's XXXX, XXXX XXXX, were all unauthorized, and done fraudulently. I asked Equifax to remove these items because I have never had an account with either company, and this was fraud. I was told to contact the companies, and follow their procedures to them removed. I need for all unauthorized inquiries to be removed.
There are XXXX accounts on here for a XXXX and XXXX for XXXX XXXX XXXXThe XXXX for XXXX state they are for parking tickets. I do not have any outstanding parking tickets. This information is falseAlso XXXX I have paid anything owed to them already so this should not be listed as well.
Purpose of this complaint is to show the intentional act by XXXX XXXX to damage and cause harm to my credit. 

XX/XX/XXXX on Experian, and XXXX XXXX. stop reporting my payments causing my credit score to drop. 

XX/XX/XXXX due to a family emergency i arranged to make monthly payment 30 days late this timeframe was for two months, XXXX. reports XXXX, XXXX, XXXX and XXXX late, the issue is XXXX and XXXX are incorrect they reported 60 day late for XXXX and XXXX needs to be changed to 30 days late. I have my bank statements. 

XX/XX/XXXX to XX/XX/XXXX i struggled with XXXX. to modify my mortgage, they refused payments and passed me to multiple agents. Then start the process over again and again. They placed my home in foreclose and this process allowed them to add additional fees coercion me under duress to accept the unlawful fees in order to keep my home. 

Currently my credit report reflects a very unlawful status and its out of my control. I am asking for your assistance in correction this matter.
Hi, This is regarding Netspend which offers XXXX dollar bonus to both the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have referred my wife and she has ordered new card and loaded that card as well with XXXX dollars. However, neither me nor my wife have received any bonus now. I can see online as well that my referral that she has loaded her card. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. We have met all the requirements for the bonus but we have not received the bonus.
I unfortunately entered a vehicle finance through Santander. For the past 2 years i have been reorted late and the balance on my car is the same as it was the very first day. i have asked for statements to prove this and have been told no, have been told its being processed, then was told they can only go back 1 year. i have filed complaints with their supposed office of the president, i just want out of this loan without a repo on my record so i can get another car. Never do business with them again
While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why  the company feels the need to delete and then re-add the debt which in returns causes my credit score to go   up and down.
I have a collection item in my credit report that is a total surprise to me : XXXX XXXX XXXX for {$500.00} - Joint account I never opened an account with anyone for it. I do use XXXX service but it is prepaid service, I pay {$100.00} or {$50.00} whenever my balance is low. I never received any bill from XXXX in the past and now this account is in collection. And until now I 've never received any phone calls or mails in their attempt to collect this debt I do n't owe. 

How can I contact XXXX ( no phone or address ) or collector XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX no phone number to contact )? 

What is the most effective way to find out what happened? 

Thanks so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
On XXXX XXXX, 2016 at XXXX I was solicited to open a credit card account at Nordstrom Department Store . The account was opened and my purchases of {$3400.00} were approved. On XXXX XXXX, 2016 around XXXX I checked my credit report. To my dismay I discovered my credit score dropped drastically. My newly opened Nordstrom account is 244 % or {$2400.00} over the credit limit. How can I be approved for this purchase and my credit damaged by opening a Nordstom account and using it without any knowledge of my credit limit?
I have gotten a car from drivetime 2 and a half years ago and never missed a payment what so ever. Then I had a animal accident and it got totaled. I went back to get another car from them because I enjoyed their vehicles. And I got a XXXX Kia forte it was just perfect until 2 to 3 months later. Bolts are hanging out of my engine, my transmission started slipping and my electrical wo n't work properly. This car has turned out to be a lemon. But I 'm in XXXX on this car. So I tried to use my warranty. And they demanded to make me pay for diagnostics when I just got the car and I refused. Day after day it was arguments. Until the next week. They finally waved the diagnostics. So I got my car up to aamco to gethe it done. Well XXXX said they ca n't fix it but they see what the problem is only a XXXX dealership could fix it. So I got it to XXXX dealership, and do n't make me get started on how they would n't give me a car to borrow in the mean time. They sent me to XXXX and XXXX but theyou were charging me XXXX to almost XXXX dollars just to get one. So I refused until I got a car I could borrow to hold to work. Next after I got it up there to them it took the 1 and a half weeks to do the diagnosis. Then it sat because a XXXX and drive time was not communicating to get the diagnosis paid for. It took 2 to almost 3 weeks to get it paid. Then they wanted me to take it to a different XXXX trying to be cheap on the prices when I got XXXX with a XXXX loan I should have a good car. Anyways before that XXXX came to pick it up and the dealership would n't let it go because they said they have n't received any payments from drivetime. Whoa really? I waited 3 more dayes to get it actually a paid for so they can release it. Now I'must waiting for aamco to pick it up AGAIN.. I 've been calling all month telling the company I just can not make a payment on a vehicle I do n't have and I just got and it 's messed up. They told me it will be reported to the credit bureau and mess my report up. I 'm starting to look for a lawyer. Or work out something with the company. I should be able to walk away from a horrible situation Like this.
I contact ( XXXX ) Wells Fargo Dealer Services on Friday XX/XX/XXXX at XXXX XXXX and told them that since the beginning of the loan, I notice that all the extra money beside my payment isn't going toward my principal amount! Instead I'm paying for the daily interest if that extra money doesn't go towards the principal! I even send in a separate check from my payment that clearly said Principal Payment in the memo! 
So on Monday XX/XX/XXXX I sent in another separate check and wrote principal payment on it again and today I check again online and notice that they are doing the same thing again, not apply that principal payment towards the principal amounts. I don't want to call them every month and tell them to do their job, when it clearly said on Wells Fargo Dealer Services website that if I want it to go towards the principal, just have it written in the check! Even the representative that I spoke with on XX/XX/XXXX even told me that if the amount on have on my payment check is larger then the payment itself the extra will go towards the principal, but I clearly told her that have not been happening in my case at all! So I told her that the next time this happen again I will be filing a complaint with the CFPB!
Unfair practices of Capital One Auto Finance. This company takes advantage of people with lower credit score giving them very unfavorable loans. Loans offered by this bank for people with lower credit score are daily interest loan versus ATR fixed which basically is annual interest rate loan given by other banks. Having daily interest loan big part of payment goes to interest not to principal balance. It is based on daily interest not on annual which increase amount of money pay to the bank of monthly payments. My loan which was 10 percent has absurd monthly payments over 640 dollars. I was able after some lengthy discussion with Capital One to lower to 7.5 percent and still excessive payments of XXXX dollars. Because of daily interest amount of payment is very high. For annual interest loan that payment will be much lower and more affordable. Due to taking advantage of people with low or poor credit score by giving unfair loans this bank creates very difficult situation making payments impossible.where the big chunk of salary goes to car payment. Failing or being late on those payments puts customers in even more difficult situation and leads to lowering credit score. I talked to Capital One in extend about unfairness of loan this type and furthermore better terms of loan but they declined to do so threatening with car repossession knowing that this way they can money by selling car. They don't care that their type unfair loan puts everyone in struggle with excessive payments as well in case the car is reposes leaving someone without means to go to work or store or pick kids from school. I hope someone will go after this bank and force them to change practices and stop taking advantage of people.
Disappointing experience working with fair collections and outsourcing ( FCO ) Called to settle payment after receiving 60 % off offer. Was told they would honor XXXX % today since original offer was expired. I asked to speak to a manager. The manager let me know they would ask the debt collection company and they had no abiltiy to offer more than XXXX % without the clients permisssion. 

The agent I spoke to that day was XXXX XXXX and the manager was XXXX XXXX. 

The following day, XXXX XXXX, 2016, I called for the status and was told the client had not gotten back to them. I mentioned that I would just close out the debt at XXXX % and XXXX XXXX said he could no longer offer that amount. I asked to speak to a manager and was put in touch with XXXX XXXX. He told me the agent overlooked my file and his offer was misstated. I questioned this since it seems odd that both the agent and a manager overlooked this yesterday. He mentioned the call was recorded which would highlight that both parties offered XXXX % the prior. I asked to speak to a director of XXXX manager to share my concern that either the team had poor quality control practices or was engaging in dubious negotiation practices. I was told no one was available and to wait until they hear back from the client and they would let me know status then.
On XX/XX/XXXX, I called in an " Early Cancellation '' to my XXXX XXXX XXXX  Account # XXXX  for our Internet/Phone/XXXX XXXX XXXX. XXXX XXXX XXXX  advised that I was to pay a {$200.00} early cancellation fee, which I accepted.

On XX/XX/XXXX, at XXXX XXXX   # XXXX, I returned all the XXXX XXXX XXXX equipment and XXXX   accepted. I have the XXXX XXXX XXXX XXXX XXXX Return Receipt w/Reference Number XXXX as proof of all equipment being returned.

I kept receiving statements with amounts due for services after my cancellation date of XX/XX/XXXX. I called XXXX XXXX XXXX XXXX Customer Service several times complaining that the account had been cancelled, therefore I saw no charges owed. One Representative stated that the statement was wrong because the entire " cancellation '' credits had not been done yet ; it was suggested that I wait for the final bill. On XX/XX/XXXX via telephone w/Rep. XXXX, Rep. # XXXX, I paid a total of {$210.00} w/confirmation # XXXX which was my total balance due. I even called to re-confirm that XXXX XXXX XXXX had received my returned equipment and that the balance was -XXXX-. Then, I continued to receive statements with a balance of {$230.00} which I argued w/XXXX XXXX XXXX that I did not owe due to the fact that all my services were cancelled on XX/XX/XXXX. I REFUSED TO PAY FOR SERVICES THAT I DID NOT HAVE.

Then the harassing calls start to come in constantly! XXXX XXXX XXXX  kept stating that I owed the amount of {$230.00} for services received and I did not agree.

I received a letter from Franklin Collection Service , Inc. dated XX/XX/XXXX. I called Franklin Collection Service on XX/XX/XXXX and specifically told the Agent that I did not owe XXXX XXXX XXXX any such sum. I explained that if they could prove that I owed a charge that I would gladly pay it but that I would not pay for service charges after my cancellation date ofXX/XX/XXXX. That's when I was told that the amount owed was due to XXXX XXXX XXXX receiving a piece of damaged equipment which was {$150.00} + services in the amount of XXXX, which totals to {$230.00}. THIS IS THE VERY FIRST TIME THAT I WAS NOTIFIED OF A DAMAGED PIECE OF EQUIPMENT. All the harassing calls from XXXX XXXX XXXX   were for {$230.00} for services received. If in fact, XXXX XXXX XXXX   received a damaged piece of equipment they should have taken that to XXXX because I handed all my equipment and XXXX  accepted it without stating any damages.

XXXX XXXX XXXX XXXX   Billing Department kept increasing the monthly amount owed without a satisfied explanation. This is the main reason why I cancelled my account with XXXX XXXX XXXX.

The fact that XXXX XXXX XXXX kept sending statements with a balance due of {$230.00} after the cancellation date and now they claim that the amount of {$230.00} is for receiving damaged equipment, is not acceptable. If in fact, XXXX XXXX XXXX received 1 damaged piece of equipment, why was I never notified? XXXX XXXX XXXX has been over-billing and incorrectly billing customers for many years, it is time for that to stop.
I refinanced my XXXX school loans with XXXX XXXX XXXX. Unfortunately they sent the repayment check to the wrong address at Navient. On XXXX/XXXX/XXXX Navient applied the XXXX dollar check to an old XXXX account with about {$6000.00} on it, resulting in a balance of XXXX. Seeing as how the check was sent to the wrong address, I think that the right thing would have been for them to make a quick phone call to double check which account I was depositing XXXX into, but this was not done. 

I alerted all parties within a couple of days, but interest accrued on both accounts until XXXX/XXXX/XXXX. I was forced to make an extra monthly payment on my Navient account of {$1700.00} on XXXX/XXXX/XXXX to keep it from becoming delinquent. They 've refunded {$1200.00}, but there is a discrepancy {$460.00} of interest accrued after they had cashed my check.
WellsFargo has  locked me out of my online account. I can no longer access any of my accounts or funds. They have changed their story multiple times as to why this is happening. My account username exceeds all their security requirements. I have had this name for 14 years without any issue and it has never been comprised.
I have a credit card with XXXXXXXX XXXX XXXX XXXX 

The interest rate is stated to be 26.49 % which is excessive and I don't recall that being the agreed upon interest rate. 

Second problem is that I charged an item for {$63.00}. I made two partial payments and then the balance. I noticed on this most recent statement that XXXX 's charged me {$2.00} each month as a " minimum interest fee. '' The most recent balance was {$13.00} so a charge of {$2.00} interest would be 15.3 % of the balance amount which is an actual APR of 183.626626 %. 

There should be a law to protect consumers on this type of theft by corporations. 

I contacted the company and they state that 'it is simply their policy and if I didn't like it that I am welcome to cancel my credit card account. '
I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}.
Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.
Account from the company below show in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I denied having any of the above account. I asked for the reporting agency to provide proof on me owning any on the account mentioned on the credit report in the form of my official signature. 
If they can not provide such proof, they must remove those accounts from my credit report. 
Those fraudulent reports have cause 2 of my bank accounts to be closed. 
Again, I would like the credit report agency to provide me with proof those account belong to me. 
Meanwhile I have put a fraud Alert on my credit card.
I have reached out to all 3 credit bureaus as well as XXXX XXXX to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX XXXX XXXX ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX, however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with XXXX who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.
Misleading, excessive interest rates, lying about reporting to credit bureau. 
When you talk to them and the mailer informs you that you are approved, you get a loan look at the website, it looks like you are paying {$100.00} per {$1000.00} lent which is fair. They ask you the days you get paid, i get paid twice a month, they charge me not {$100.00} for the whole loan but per pay period and deduct {$150.00} each pay period so basically you only pay {$50.00} towards principal. These are loan shark rates. Also, they state in emails that they report positive payments to the credit bureaus. That is a lie, They misinformed me I believe I should only pay {$100.00} like they told me, I have paid the entire principal off when I found out about the scam but {$500.00} in interest for only 90 days of a loan.