WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/2018 a pawn shop loan was made. I went in on the last day of grace XX/XX/2018 I extended the loan for another two weeks until XX/XX/2018. On XX/XX/2018 i returned back to the pawn shop to pay all that was owed and get my merchandise. I was perished to shown my TDL to pick up the merchandise, when in fact I offered to verbally give my TDL # that would have identify me because I had the original Pawn ticket with me. 

I did not have my TDL on my person, but I do know my TDL by memory. I was denied access to my property for not having the TDL. On my TEXAS PAWN AGREEMENT do not read that I am compel to show my TDL # but to present my TDL #. This has been an ongoing problem since. I submit a complaint to the TOCCC ( Texas Office of the Consumer Credit Commissioner ) I have only received the run-a -rounds. I will like to pay what I owe and get my Merchandise. 

Since, I was never informed about the Texas Financial Code regarding loans on goods, Cash America can not hold me responsible for knowing. The Texas Pawn Agreement I sign do not indicate I needed to know any more other than what I signed my name to. I have included a copy of the Pawn Ticket ( front and back ) and a copy of the complaint I submitted to the Texas Office of the Consumer Credit Commissioner.
They call evey XXXX minutes between XXXX and XXXX, even after I talk to representive. They even admitted that it was robo calling.
I was trying to pay a bill with us banks mobile banking application. Upon completing the payment it always asks a security question. Today it asked a question which was not in the set of XXXX I had set for my self which resulted in my account being locked. This is a huge security hole if the questions can be changed by accident a hacker could easily do that to gain accesss to accounts. I have talked to many people who use usbank and this has happened to all of them. They refuse to acknowledge the problem so I do not know what to do aside from getting a new bank which I am.
I redeemd {$18.00} reward dollars on XX/XX/XXXX. I thought I redeemed as XXXX  store card statement credit. Waited for a week. The statement credit did not appear on the online account website. Called customer service. They said wait until the XX/XX/XXXX statement to see the statement credit. Waited until the XX/XX/XXXX statement. Did not see the statement credit. Called customer service. They say I used the rewards for purchases and they made some adjustments and wait for the XX/XX/XXXX statement to see the redemption. I don't think I should wait 2 months to know how the XXXX store reward dollars were used.
XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( Huntington N ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies
I had a Business loan and I got sick in XX/XX/XXXX and tried to make reduced payments and Capital One didnt want to so they filed a lawsuit and we went to court. I told the judge I knew I owed the money and they didnt want to make arrangements for lower payments due to Ill ess so it was bankruptcy or lower payment arrangements and they agreed to lower payment arrangements. I made all the payments and paid the final payment in XX/XX/XXXX and Capital One ever filed the Release of Lien that I paid of the judgment and now they or their lawyer dont want to file it. I have called XXXX and talked with XXXX, XXXX and XXXX at a call center. They can only relay messages to other departments. You never get call backs from these departments or follow ups, no addresses, phone numbers, e-mail addresses. You cant get anywhere past these three people. You are at a dead end with Capital One. Internet only has XXXX. XXXX XXXX XXXX is it a payment center or call center only? You get no where. Its a dead end.
on XX/XX/XXXX I called in to Wells Fargo to let them know that I was going to be a little late ( not 30 days ) due to 16 people that I had in my house effected by the hurricane and the expense that it took to take care of the situation. 

I was then told, " oh.XXXX XXXX  we have a program to help those effected by the hurricane. A 3 month relief that will wave three months payments, late fees, and will not harm your credit.

I said : I do not want to do that if they were not able to defer the payment. 

she said, '' no. no. no. that the program was set up so we did not have to worry about the payment, so we can concentrate on getting passed the hurricane situation. the program was not in full but that there would be options at the end of the program that we would be able to go over. 

I said again that I did not want to do it if they were not able to defer the payment. 

she said that was one of the options but that the investors had to review my situation to make sure that I qualified for that. 

During the time of doing this program I have been constantly harassed about collecting a debt? that in the middle of the program the investors took away the deferment and instead were doing a modification. constant times I told them that was not said at the beginning and if I knew this was the situation I would of just took the XXXX fee and told my family I couldn't help. I have since gone threw three different case managers, all that do not know what is going on but specialize in deflecting the situation at hand.

I have had my credit hit 80 points twice effecting me getting into a vehicle. Have letters put on my door and mailed to me about foreclose and collecting the debt. I then get the statement from wells Fargo that I elected for the program but have to remind them that I didn't call and ask for assistance, initially turned down the program and was pitched a second time. I have told them that what was told to me from the beginning and that if I knew it was not a possibility then I would not of taken them up on the offer. I have told them that all conversations are recorded and for them to go back and listen. I feel that Wells Fargo is taking advantage of a situation for profit purposes. This is not right. I have never missed a payment, no bad remarks on my credit for it and here and being forced to do something almost since I do not have the money to get the three payments to them. 

They then call me and say that I was approved for a modification? I was alike approved I never applied. They then began to tell me that the interest rate was being rasied and they were going to stretch my loan back out to 360 months but the payment was only going to decrease XXXX dollars. so much doesn't add up and with getting three different reps nothing is the same when they call.
XX/XX/2018 To whom it may concern : I have just reviewed my credit report and noticed there are several inaccurate items on my report as follows : My only address is the one ending in zip code : XXXX. Please remove all other addresses that I was never associated with. 

FRAUDULENT INQUIRIES 1. XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX I never authorized any of the accounts or inquiries and when i requested proof from the creditor, they were unable to provide me with any original contract proof otherwise ; therefore it is the credit bureaus responsibility to remove them immediately and permanently according to FCRA sections 609.
I noticed back in XXXX of 2015 that Experian had charged XXXX XXXX on my card. My wife called them and made sure whatever service they had signed us up for was cancelled. Two months later another XXXX charges of XXXX appear. In an entire two month period nothing was charged, and all of a sudden the charges appear. On the day they came through my card which was XXXX XXXX I called. I was told by XXXX ' that the charges were n't cancelled. He would cancel them now and refund me the XXXX charges. I did n't see the refund today so I called. I was told by 'XXXX ' that the account was n't cancelled. I pulled up a confirmation number. They agreed that it was cancelled as per the email. But they wound't refund us fully. Only for XXXX dollars. I told them to check 'XXXX ' notes, and refer back to the taped audio of the conversation. They said that his notes only state we called to cancel. However, I told them if that was the case then why did they initially say it was n't cancelled UNTIL i gave them a confirmation number? 

I told them that in this discrepancy the audio would prove what 'XXXX ' told me. Manager 'XXXX ' said that it was too hard to get the audio, and that XXXX dollars was all she could do. They have had MANY FTC complaints. I told her I would file a complaint. She said I was free to do that and ended the call.
Yamaha credit/Capital one is reporting on my credit report in XXXX categories. Meaning it shows as a auto loan, however because it 's a revolving account it is effecting my my usage under credit card. This account to can be used only for auto purchases and not every day purchase like gas and grocery etc. I should not be penalized in the credit card when it 's an actual auto loan.
I have been receiving repeated calls from this company called Credence Resource Management regarding a personal matter which they will not disclose. They only wanted me to confirm my personal information to them, which I believe will and can be used for fraud or identity theft.  Since Credence Resource Management called me on a local telephone number, I was under the impression that it was an important call and had to pick up. While picking up several of the calls made by Credence Resource Management on my phone, it had put me at risk of getting into a car accident. Their tactics of using a local number is deceiving and their communication to me is very likely to be a scam.
I just read Wells Fargo 's response to my complaint ; you conveniently just closed it, without so much as a follow up response from me or any feedback. Please re-open this complaint against Wells Fargo. Their response was a rote, boiler plate response devoid of any personal touch, of humanity. They failed or ignored 95 % of what I documented in my complaint. Their non-response touched on the {$35.00} which I HAD REMOVED SUBSEQUENT TO MY COMPLAINT BECAUSE THE XXXX TEAM AT WELLS FARGO FINALLY RESPONDED. So Wells Fargo 's useless response regarding the {$35.00} was late and ineffective and inconsequential. As to them telling me they will not pay me interest of 1.30 %, I had to laugh, since that was mentioned to point out a FACT, not to request this fraudulent company to actually respond by paying me interest ; again that response was laughable and is WHY I DO NOT KEEP ANY RELEVANT MONEY WITH THIS UNETHICAL COMPANY. Sending me two PAGES or their hold policy was not requested, not needed, not warranted, not in any way, shape or form an adequate response from a human being. I would like a personalized response, from a human, not a boiler plate that adequately answers to every one of my many grievances with this company that shows they actually take the time to read the complaints filed on your platform. It seems the CFPB is complicit in their non-action and failure to review the responses to our complaints. How could you have closed this complaint and found it in any way satisfactory ; it was not! How can XXXX operate so differently from this very questionable company known as Wells Fargo???? That was not explained, touched on, responded to, acknowledged, or referred to. THIS IS AN INCOMPLETE RESPONSE AND A FULL RESPONSE IS EXPECTED.
I contacted a Discover card representative to let them know that I had made a payment using the INCORRECT checking account ( I just switched banks ) and they reported my payment as 30 days late to the credit bureau. They tried to charge it from my old account, when it should have been coming out of the new one. I contacted a rep to tell them it was the wrong account, and I made a payment with the correct one as soon as I got a notification from credit wise saying that they reported me as late. I need to get this removed from the credit report as I have proof that I contacted a discover representative about this problem.
ON XX/XX/XXXX I received a call from XXXX XXXX stating that I owed money on a debt. Client : XXXX XXXX, XXXX Your Account Number : XXXX Original Creditor : DISCOVER CARD Original Account Number : XXXX Amount Due : {$7900.00} 1.  They stated that in XX/XX/XXXXI was making payments, but that the law firm went out of business. Man on the phone stated he used to work for that law firm and because we had a " rapport '' he was trying to help me. He also stated that a statute of limitations doesn't exist for debt. After a back and forth I gave my email address only, and hung up on them, once they tried to pressure me into calling them back and set up payments. They also told me after 5 minutes of conversation, that this call was being recorded, something they are legally supposed to do at the beginning of the call. 

2. I actually settled this debt years ago with another collector as it was passed on to someone else. It was removed from my credit report, of which I am now in good credit health. 

3. Even if this debt wasn't updated in their systems, ( even though it was settled and they are now coming back at me after 8 years have passed ) they did not tell me that it is " time-barred '' and they couldn't pursue it legally. 

People on the email they sent to me : XXXX XXXX  XXXX XXXX XXXX XXXX
I reported to Equifax, 0n XX/XX/XXXX, that my identity was stolen about 4 years ago and that the thief opened opened numerous credit cards in my name and sought medical attention at a hospital that was currently reported on my credit file. The medical company reported on my credit is named XXXX XXXX XXXX. Equifax refused to thoroughly investigate. I did not open these accounts, I did not authorize these accounts, and I do not have no knowledge of these accounts. This has also been reported to FTC Identity Theft. I explained to Equifax that the accounts do not belong to me and I submitted a dispute. Equifax did not provide a thorough investigation into the reported fraudulent activity, but instead, returned a " completed '' investigation in 2 days, stating that the information was verified. Not sure how Equifax report that my information was verified when the addresses used and reported on my credit report are incorrect and the name is misspelled and incorrect. Equifax could not have received proper and correct information on from any of those accounts I reported to them. My credit file was also used in a breach of Equifax 's negligence to protect my identity. Equifax also did not report to the other agencies that my identity had been stolen. The name that the thief used to open the accounts are incorrect and misspelled. They used names as XXXX XXXX, XXXX, and others, which is not my name. My name is XXXX XXXX. They also used addresses in Arizona where I have never lived. I was born and live in XXXX XXXX. The credits opened are XXXX XXXX with a balance of {$6700.00}, XXXX XXXX   XXXX XXXX with a balance of {$3100.00}, XXXX/XXXX XXXX that had a balance of {$2400.00} ; XXXX XXXX XXXX that had a credit limit of {$250.00} ; and a XXXX XXXX that had a credit limit of {$600.00}. All of these were opened between XX/XX/XXXX and XX/XX/XXXX when I was a XXXX XXXX. Also, there are hard inquiries listed from XXXX XXXX, XXXX, and XXXX XXXX  which I did not authorize and have no knowledge of. I would like for Equifax to remove the accounts from credit file, as they do not belong to me and I did not open these accounts. My identity was stolen.
XXXX XXXX XXXX trade is fraudulent and illegal. I have asked numerous times for this to be removed! It reamins on my report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the fraud trade be removed.
On or about XX/XX/2018, I discover throughout a credit report alert that my credit score went down from XXXX to XXXX, that also I was behind more than 60 days with my closed credit card business account with XXXX XXXX XXXX XXXX. 
I closed this above account on XX/XX/2018 with XXXX owned balance. 
I closed it because of multiple charges of XXXX XXXX insurance that I did not authorize. 
This account is a business credit card opened with a Tax ID number. 
On XX/XX/2018 my new payment due was zero and the account was closed.See exhibit 1, also the unauthorized two payment transaction to XXXX XXXX were refunded to me. 
On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX report for the first time to the three credit bureaus XXXX XXXX AND EXPERIAN a 120 days plus overdue account referred to collection with the amount of {$510.00} for a bogus payment to XXXX XXXX, plus fees, for a non existent payment that XXXX XXXX did not receive at all and was not authorized by me and it was already refund it back to the account in two previous occasions. 
On XX/XX/XXXX to avoid collection and further credit score damage, I paid the remaining bogus balance knowing that It was a fraudulent collection and late fees. 

I demand an investigation.
Equifax XX/XX/XXXX, XXXX XXXX SOL : :XXXX XXXX XXXX XXXX XXXX XXXX  Credit Report Hard XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXXXXXX XXXX Promotional Inquiry Soft XX/XX/XXXX XXXX XXXX Account Review Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-21 Promotional Inquiry Soft These inquires were NOT MADE by MY Permission. ( what's promotional inquiry? / SOFT inquiry ) Who gave them permission?? Why did Equifax not alert me??? WHO allowed them to TOUCH MY CREDIT REPORT????

XXXX XXXX DID NOT take my authorization to secure my credit report for an application for Credit increase.

THEY HAVE DAMAGED MY CREDIT SCORE for the WORSE.

I GOT DENIED for a mortgage due to open / too many credit inquiries.
My wife and I have a mortgage loan with JP Morgan Chase. We have had this mortgage for the past 10 years. In 2007, when the economy crashed, our $ XXXX home was now only worth {$170000.00} per the appraisal. We have attempted to have a loan modification twice in the past 5 years. Our modifications request were based on the monetary status the house was now worth ( UNDERWATER ) and the {$13.00} XXXX dollar settlement between the government and JP Chase. In XXXX attempts, we were denied. We requested a lower interest rate and a reduction in principle. We would like our case reviewed as JP Chase is not complying to the governments mandates.
XXXX was a place i rented an apartment, this apartment became VERY unsafe for myself and my daughter. We were threatened on numerous occasions, XXXX. I had to leave this apartment prior to lease, i wrote letters to the leasing office and spoke w/ them personally. they said i could leave and no monies would be owed then a collection company reported a {$6000.00} balance on my credit. this is not a true collection! i left for safety issues owing brookstone {$0.00}. NATIONAL CREDIT SYSTEMSXXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Phoenix Financial Services is reporting a debt in my name to all Credit Bureaus. I do not and haver never had an account with Phoenix Financial Services. I have researched through my Secretary of State and Phoenix Financial Service is not even licensed to collect debt in the state of Louisiana which is the state I reside in.
Equifax put my credit and financial security at risk by giving access to my personal information without my consent, refusing to offer a sufficient resolution that would make my future credit security safe, and keeping the breach a secret while I was at risk.
I have disputed the incorrect accounts with Equifax multiple times now. They were included in a charged off bankruptcy and Equifax is the only credit agency that will not report them correctly even after sending them the bankruptcy paperwork to prove they were included. I called them multiple times and they make me sound like I am lying about the accounts. XXXX and XXXX XXXX report them correctly but Equifax does n't seem to care. This company has a duty to report my credit file correctly and has the power to make or break my credit. Why is it so hard to report my file correctly???
Account balance of {$490.00} was due on XX/XX/XXXX.

I paid {$500.00} on XX/XX/XXXX On XX/XX/XXXX a {$5.00} interest charge was applied to my account.

I spoke with with someone in Capital one regarding this situation. I was told that this charge was from the previous months billing cycle. The previous Statement balance of {$420.00} was due on XX/XX/XXXX. To my mistake, I made a late payment of {$600.00} on XX/XX/XXXX. On XX/XX/XXXX a {$27.00} late fee was charged to my account ( which I am not disputing ) and on XX/XX/XXXX an interest charge of {$9.00} was charged to my account ( I am not disputing this as well. ) They are telling me that they are charging me interest 2 months in a row on an account that had a negative balance because I had the late payment in XX/XX/XXXX. Can they do this? After being on the phone and telling them I was filing a complaint with the CFPB they agreed to remove the charge. I was told in the future if this happens again they won't remove the charge and that yes they can charge interest on accounts that have a XXXX balance.
I have reviewed my Credit report and found several account unrecognized items from your office CHOICE RECOVERY INC  # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.