WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX had engaged in deceptive business practices by selling used damaged shoes to American 's of XXXX decesent without their knowledge or disclosure. Over the past year XXXX XXXX had sent worn damaged shoes and went I filed a formal complaint and refused to accept anymore used damaged good XXXX XXXX closed out my credit card account with full knowlegdge this would have an immediate impact on the consumer credit score.

XXXX XXXX card is issued by Capital One. According to Capital One consumer credit card agreement they may close or suspend the consumer account at any time and for any reason permitted by law even, if the conusmer is not in default. 

I live in the State of Maryland and there is no law that permitts XXXX XXXX the right to sell used damaged shoes without full disclosure therefore, no laws were broken that permits XXXX XXXX or Capital One the right to close the consumer account. 

In addition, due to the fact I have several other cards by Capital One and can use to make a purchase this is a total contradiction of the reason Capital One closed the account.
Ok so I have been actively working on all 3 credit reports since XX/XX/XXXX to establish and correct any inaccuracies. I have had a terrible time getting things in order with the credit agencies. Equifax has been a nightmare and complaints for them have been filed. XXXX has no score generated for my idenity. I think this is unfair reporting & caused me unfair credit opportunities un the FCRA. I have always paid my way in my XXXX years of life not knowing the importance of monitoring my credit as an adult. I did not feel the need to credit knowing the cash flow was keeping me stable. I'm older now and have been on XXXX since XXXX. I now have been enquiring of credit to help my life style. I am not getting an equal fair chance to establish revolving credit mainly because the agencies I have accounts with do not report to all three credit monitors. I have made requests for this to change and was denied. I'm getting XXXX per month to live on and can not do a deposit on credit that would take away from available money. I'm in need of possible credit to add to available funds that can be paid on the first with my one other expense I currently have. My lack of information should show in a good perspective that I'm responsible not to have exhausted my resourses by asking for to much credit. Is there anything that can be done that may give me a shot at fair credit chance? I dont care if the generated score is next to nothing I just do not think that by the FCRA and the fair equal credit opportunities this kinda treatment just does not fit the script as Fair! I'm confused how foriegn citizen 's that arrive here as adults can get fair credit chances with just submitting paper work even without a social.I 'm born in the USA & seem to be categorised as some kinda gamble to creditors for losses or gains. ( I read an article ) I hope our system is not set up to determine our financial history at birth by our given names and social security numbers. The credit agencies do business with our personal information across seas in the XXXX and that does not seem appropriate however we tolerate it. I'm sorry in advance but please help me get the 3 credit agencies to combine the good and the bad equal between the 3 agencies so I will generate a fair score to allow credit opportunities for once in my American life. Please? Thanks
I need a lower payment, deferment or forbearance!! I can not repay these loans as of yet!!
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX  XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX OF XXXX Equifax : XXXX.
When living in my home at XXXX XXXX XXXX in XXXX XXXX, Ohio, I was evicted by XXXX which later was sued. When leaving the home, I contacted XXXX XXXX to let them know I was leaving the home and would not be residing in the home any longer. I was advised by the customer service representative to leave the gas on and someone would follow up, so not to let the gas lines " Burst. '' I did so, then received this utility bill which continues to show on my credit report as a derogatory mark.
I was called by various debt collectors, never the same company name. The debt was paid  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  transferred the amount out of my account. I burned all day with the State Tax collector, the local court, and got copies of the debt paid in full. Now I have to send via mail the copies  to Alliance One, the de bt collector. I never received a letter, they did n't bother sending to my current address.
I filed an identity theft report with the ftc as well as a police report. I took said reports and filed them with all three credit bureaus to have fraudulent accounts removed from my credit report. XXXX  has already removed the fraudulent information but Equifax has out right refused to do so stating that their policy is to violate the law and open an investigation instead of removing the information within four days as required. They are also stating that my information on the report doesnt match the identification I provided, which it is a perfect match. 

The accounts in question are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
XXXX   XXXX  SS #  XXXX  dob  XXXX / XXXX /  XXXX    XXXX   XXXX    XXXX    XXXX  VA  XXXX  Transunion,  XXXX  and  XXXX  will not correct my  XXXX   XXXX   XXXX    account The credit limit is not correct and the balance is not correct the Credit limit is {$10000.00} and balance is  XXXX  see attached docs please update and correct my credit limit to {$10000.00} and my balance to  XXXX
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX  {$100.00} XXXX XXXX XXXX {$110.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I was charged a late fee of {$25.00} in error plus interest charges of {$1.00} by Citi in connection with my XXXX XXXX credit card. When I called to complain about the charges, the representative told me these charges were made in error. Not everybody checks their monthly statements. I want to make sure nobody else was charged fees in error.
I am getting numerous calls a day from XXXX, XXXX, and XXXX. They never leave a message or reply when I pick up the line. I found out the company, CBE Group is a collection agency because I did an internet search of the XXXX numbers above. I have never received written communication from this agency and I do not know who they are searching for as they do not leave a message. I am complaining because they are calling multiple times a day, from different numbers. It is harassment and a violation of the Fair Credit and Collections Act to not identify themselves as a debt collector.
XXXX fraudulently claimed that it returned an overpayment of approximately {$800.00} to XXXX XXXX. XXXX claims that no such payment was received. XXXX refuses to provide evidence to support its claims.
Mohela offers a .25 % interest rate reduction if you schedule auto deductions. The problem is that they withdraw the monthly even if it is not due. By way of example, if your monthly payment is {$590.00} and due on XX/XX/XXXX, but if you make the payment in full on XX/XX/XXXX, Mohela will still automatically withdraw {$590.00} on XX/XX/XXXX despite the fact it is not currently due. This double dipping is unfair to student loan borrowers.
Trying to get the {$5000.00} XXXX forgiveness towards my student loans which will effectively eliminate my loan. I have filled out all required paperwork twice and they keep rejecting it for no reason given. I keep being told to resubmit. Plus they never tell me when it is reject ed.

This has cost me substantial money for a XXXX. There is already several class actions against XXXX XXXX for many reasons regarding these kinds of practices.
This refers to the attached letter fro m Citibank.      In the letter it is stated " You opened your account online on  XXXX   XXXX ,  2016  ... '' This statement is false fo r two reasons 1. The accounts are never opened by clients. The accounts are opened by Citibank after app roving their applications.      2. I sub mitted my application on  XXXX   XXXX ,  2016 .  Citibank approved my application and sent my account documents via U.S.Mail on   XXXX   XXXX ,  2016 . I received these documents on  XXXX   XXXX ,  2016 . Hence, the account was effectively opened on  XXXX   XXXX ,  2016 , not on  XXXX   XXXX ,  2016  as claimed  by Citibank Acco rdingly, all requirements of Promotion  XXXX  were met and I am entitled to the Promotion cred it. Citibank is attempting to mislead me and the CFPB. Clients can not be held responsible for any delay on the part of Citibank in openin g the accounts.
There was a small case suit against me in XX/XX/XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XX/XX/XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.
TD Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I had a charge off with  XXXX   XXXX  Bank that has been paid and is reporting as a paid charge off on my credit report but they have a company that also reported a collection onto my report that is showing a balance for the same amount that I already paid and was reporting it as paid.
XXXX XXXX  XXXX, XXXX has treated debt validation letters from me with out resolving the problem. They may have acted unprofessionally and have used misleading promises about deleting an account from my credit report. I disputed a XXXX XXXX account XXXX for an amount of {$630.00} several times. On XX/XX/XXXX, I did received a letter from them saying " XXXX, XXXX filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete XXXX, XXXX 's trade line for this account on you credit reports. '' However, the account & number for XXXX XXXX they agreed to delete ( XXXX ), this account showed a {$0.00} balance and has already been deleted in XX/XX/XXXX. I disputed this with XXXX, XXXX again and on XX/XX/XXXX received what appears to be another false and misleading promise to delete a XXXX XXXX account with a {$0.00} balance with account number XXXX. Again, this account has already been deleted in XX/XX/XXXX. 

Please investigate this practice of XXXX XXXX XXXXXXXX, XXXX and have them delete XXXX XXXX account # XXXX from my credit report.
US department of education has been turning me into collections and reporting me to the credit bureau as not making payments on my student loans. I have an automatic payment pulled from my account every month. In addition, I have had my wages and tax returns garnished. I have proof that I have submitted appropriate paperwork for deferment for XXXX and XXXX, and can show payments started in XXXX.
Upon learning about the XXXX security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XX/XX/XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.
I took out a payday loan with Amscot For {$500.00} plus XXXX in fees on XX/XX/XXXX. Because it was less than seven days until my next pay period, my due date was for XX/XX/XXXX. I called on XX/XX/XXXX and sought help for repayment of this loan. I have borrowed from this XXXX off and on over the past few years and never had a problem repaying the loan, unfortunately within the past month I had suffered some financial set backs. At the lime I requested help on the XX/XX/XXXX the only thing that was offered to me was until the XX/XX/XXXX as  they could not hold my check more than 31 days. I accepted this at face value and tried to figure out a way to come up with the funds, but was unable to. I called today one day before the loan came due tomorrow, and asked If I could please be helped with an extended payment plan. I was told no, because they had already helped me, and I didn't qualify for an extended payment plan anymore. I advised I had {$3.00} In my bank account if they deposit the check it will bounce, wasn't there something they could please do. I want to pay the loan back, I always have and never before asked for help on repayment. XXXX then told me that once the check bounced then possibly they could make some kind of arrangement with me. How is costing me {$60.00} or more dollars helping me? Plus I have never had a bounced check with this account. I am a XXXX year old female that works hard. I was not told by them at the time I asked for help In the first place that there was a 60 day grace period if credit counseling was scheduled etc. per the State of Florida, I just read about this today, as I am so desperate I just started searching for help. Why did they not inform me of this the first time I asked for help, why must I bounce a check to get help, I feel that this was deceptive on their part? I have until tomorrow before they deposit same. Could I please get some Intervention so I can remedy this without it costing me even more money, and my reputation with my bank.

Pease help.
I 've spoken with Barclays Bank office of the President. Who clearly stated that my last payment on this account was XXXX XXXX. I 've found Consumer Protection financial bureau statement in your file your file dated XXXX XXXX. Where Barclays Bank verified my last payment on XXXX XXXX, XXXX and they told you that since there where no other payments from XX/XX/XXXX-XX/XX/XXXX that they charged the account off. If Barclays told CPFA one thing in XX/XX/XXXX and lied about in XX/XX/XXXX. That 's a deception, inaccurate lie that this company is reporting to XXXX and XXXX. CPFA case # XXXX. Please look up information to show that Barclays had to the govt and continue to lie to me and the CRA Bureaus. Contact the lying office of the president at XXXX.
My mortgage was transferred to XXXX Mortgage Services on XXXX XXXX, XX/XX/2015. I have made payments every month on time. To this day, XXXX XXXX, XX/XX/2015, they can not account for a {$3300.00} dollars they deposited to my account on XXXX XXXX, XX/XX/2015. Numerous emails and calls were made to locate the whereabouts of such payment. There response is " it has been escalated for review. '' On XXXX XXXXXX/XX/2015, my ARM was calculated and adjusted with the balance that did not reflect the missing funds paid on XXXX XXXXXX/XX/2015. I submitted bank statements and trace number of the missing fund they deposited allegedly into my account, however, they can not account for the payment. On XXXX XXXX, XX/XX/2015 they mailed me a letter, which states " your loan is in default. '' Since XXXX, XXXXXX/XX/2015, I have met my obligation paying my mortgage and provided approximately {$7000.00} in overage payment to be applied to the principal. They constantly say they will return my calls and locate the missing payment, but to this day this have failed to call nor locate the missing payment.
Hello, Thanks for forwarding the issue XXXX to TransUnion. They mailed me the results of their investigation on disputes and resolved the issue. However, upon reviewing the personal information section of the report, I noticed that it is incomplete and inaccurate for certain records. The file number they assigned is XXXX.
I 've had the title loan with Advantage one credit for about 3 years now. It was almost paid off! I have agreed to a final payoff of {$1200.00} ( 3 payments ) in  XXXX  2017. The 1st payment was made.
Since then the car was wrecked and I have   XXXX   XXXX   and a settlement was agreed to.
The problem is that Advantage One credit that is on the title for the car has gone out of business and is no where to be found. Very disappointing since I need release of the title to get the settlement from   XXXX   for the car.
Advantage One credit is a   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   in Oklahoma. They have answered the phone but have not been helpful to this point.
 XXXX  is trying to get closed but will not until we get the title for the car figured out!
EXEMPT PROPERTY ( AUTOMOBILE ) WAS INADVERTANTLY INCLUDED IN DISCHARGE OF CHAPTER XXXX BANKRUPTCY ON XXXX XXXX 2015. THE AUTO LOAN WAS PAID CURRENT UP UNTIL THE DATE OF FILING THE BANKRUPTCY FOR REASONS UNRELATED TO THE AUTO LOAN. UPON DISCOVERING THE AUTO LOAN WAS DISCHARGED IN ERROR, I CONTACTED ALLY FOR RESOLUTION AND WAS KINDLY REQUESTED TO SURRENDER THE VEHICLE AS PART OF THE BANKRUPTCY REQUIREMENTS. I SURRENDERED THE VEHICLE AS REQUESTED. RECENTLY I HAVE DISCOVERED A CONTINUED INACCURACY OF INFORMATION ON ALL THREE OF THE MAJOR CREDIT REPORTING AGENCIES FROM ALLY FINANCIAL WITH REGARD TO THE STATUS OF MY AUTO LOAN THAT WAS DISCHARGED WITH A VOLUNTARY SURRENDER OF THE COLLATERAL IN THE CASE THAT WAS CLOSED ON XXXX XXXX, 2015. THESE REPORTING ERRORS FROM ALLY FINANCIAL HAVE CAUSED SIGNIFICANT DAMAGE TO MY FINANCES, CREDIT AND ABILITY TO HAVE A FRESH START AFTER THE CHAPTER XXXX DISCHARGE RESULTING IN FURTHER DAMAGE TO MY LIFE ( I CURRENTLY AM WITHOUT A VEHICLE DUE TO INCORRECT REPORTING OF MY CREDIT STATUS WITH THE DISCHARGED AUTO LOAN -- BANKS WILL NOT FINANCE ONE VEHICLE FOR MY FAMILY BECAUSE THIS REPORT TECHNIQUE IS VIEWED AS A REPOSSESSION AFTER BANKRUPTCY DISCHARGE ).
I have mailed copies of my passport and a recent utility bill with my correct name spelling and my address that I have lived at since 2008 because I recently discovered that several accounts and addresses are on my credit that are fraudulent ... .. I mailed this stuff off in XXXX but I have not had any success hearing back from you and thats with mailing two letters back to back I need this information corrected asap .... I was advised to put this information on an FTC affidavit I filled out online which I am attaching to this complaint please correct this matter for me and email me with a response at XXXX. my correct address is XXXX XXXX XXXX XXXX nc XXXX I have had that address since XXXX of 2008 ... .. the addresses that have had fraudulent accounts/ activity is XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX, NC XXXX names that are incorrect XXXX XXXX  XXXX / XXXX XXXX / XXXX XXXX
My mortgage is in foreclosure and I applied for a modification with America'a Servicing Company in XX/XX/XXXX. XX/XX/XXXX I received a denial of the modification stating that was my calculated income was insufficient to support a modification because the modified payment would be 42 % of my income. I hired an attorney to appeal the decision because I believed the decision was not accurate. My attorney appealed the decision and showed that the income that was used was not correct, that it was actually considerably higher than the income showing on the NPV test results attached to the denial. The appeal was also denied for the same reason. My attorney resubmitted the entire modification package on XX/XX/XXXX showing that my monthly income was in fact {$10000.00}. per month, not the {$7700.00}. per month that the denial stated. On XX/XX/XXXX I received another denial from America 's Servicing Company stating that they were not going to review my application again because the change was not substantial enough to conduct another review. I feel that is both unfair and ridiculous. They will not review my application when they were wrong i n their calculation to begin with which is why I was denied and even after I proved that they were wrong they would not reconsider. Additionally, that is a XXXX % difference in my income. I think any reasonable person would consider a XXXX % increase in their monthly income to be substantial. There is no justifiable reason for the denial, my documents clearly show that I can afford a modified payment.