WillisBack/dataset-financial-user-claim huggingface dataset:
When I test drove a vehicle on XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, GA XXXX ) assured me that viewing estimates for my auto loan rate that it would be a soft inquiry. Now I have XXXX hard inquiries on my Equifax report - one from XXXX XXXX XXXX XXXX. and one from XXXX XXXX XXXX XXXX. This will effectively lower my credit score for XXXX years, and should I try to apply for any other form of credit, give me an unfavorable interest rate.
I believe that I am being billed incorrectly or the payments are not being reported correctly. I have paid a past due amount of {$66.00} and I 'm still being billed for it. It is a negative reflect on my account. Also, I was told that my payments would be approx {$34.00} per month and I have been billed for more, in which they keep increasing the amount.
Bay Area Credit and XXXX XXXX XXXX companies have received my number in error. They continue to call though I have explained their area and asked to be removed from their call list.
On XXXX XXXX 2017 I disputed a report from TransUnion regarding an old XXXX account that is well past 7 yrs old. It is still under investigation
5 fraudulent charges to my debit card at five different places. spotted it online, went to union bank to have stopped. was told by XXXX XXXX it could not be stopped because it was pending. filed complaint with bank # XXXX in writing, have called them three times, files complaint with department of business oversight # XXXX they refured me to office of the controller of the currency, filed complaint # XXXX, they refured me to you. I called and am told your the right place.Union bank won't return the money stolen from my account.. I now know the transactions could have been stopped. bad advise from bank. Want my money put back and additional punitive damages if possible. thanks
TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
My Equifax report has gone unchanged for at least two years ( I  had not regularly checked it prior to this ) although the other two credit agencies show multiple changes over the same time frame. Equifax does not reflect current accounts and shows a lien of {$2600.00} that is not mine. It looks like the lien is a California court case filed in XXXX but I did not reside or work there for several years prior to this and know nothing more about this account. When it pulls up my account it does not show my current name but a name I have not had in 22 years. I attempted to dispute the information online but every verification question is incorrect - none of them apply to me. It also shows that I lived in XXXX California which I have not ever lived there. It references names that are not mine as well. I spoke with an Equifax customer service representative and, as per request, faxed copies of my drivers license and social security card and a detailed letter with all specifics listed on XXXX XXXX, XXXX. Equifax added a couple of new accounts since then but none of the incorrect information was removed as of XXXX XXXX, XXXX. Wrong open accounts, wrong court lien, wrong personal information and address history - I need this rectified.
XXXX a.k.a. XXXX XXXX XXXX XXXX XXXX ( XXXX ) a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. Bank One complaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX, fax : XXXX XXXX/XXXX/XXXX - XXXX permanently closed account per A. XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX sent collection letter for {$10000.00} ; XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX permanently closed account XXXX/XXXX/XXXX - I filed online complaint against them. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX XXXX XXXX and threatened legal action if $ XXXX debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXX XXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX XXXX/XXXX/XXXX - XXXX Collections has no records of debt. Phone : XXXX, XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX claiming same as XXXX XXXX XXXX XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX XXXX/XXXX/XXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.
Never received a bill in the mail so fell behind and XXXX credit limit card went into default.
Compliant ' As ' XXXX XXXX/Cardmember Services does not have a sense of urgency ' to its Clients '. 

Type of Problem ' As ' potential reported fraud that ' I informed XXXX XXXX/CardMember Services of XX/XX/2018. 

What Happened ' As ' Violations of Civil Disability Rights ' as Witnessed ' in participated needs for public corruption, extortion or solicitation of monies. 

What Company ' XXXXXXXX XXXX/Cardmember Services ( Credit ) XXXX XXXX  ( Debit ) WXXXX XXXX  XXXX, TX ( XXXX, XX/XX/2018 ) XXXX XXXX XXXX, TX ( XXXX, XX/XX/2018 ) Who is Involved, Informed ' ( XXXX ) XXXX XXXX XXXX ( ID Theft, Character ) _ XXXX XXXX XXXX Request for Determination US Attorney Office XXXX , TX_ XXXX Corporate Upper Leadership
My mortage loan with XXXX was sold to Ocwen. When I have made my payments past the due date. I include the late fee with the payment. However, Ocwen does not correctly apply the late payment and my account continously shows late charges. I have called their company on several occasions to request this be corrected as it has hindered my efforts of trying to refinance my home. Creditors constanly see these late charges that I have paid an they mis-apporiate the payment so these late charges continue. I can not get any assistance when I contact thier company.
Hello : I received a letter dated, XX/XX/XXXX from Dynamic Recovery Solutions : XXXX XXXX XXXX, XXXX, SC XXXX. They state that I have from the original creditor of XXXX  XXXX XXXX, DRS Reference #  XXXX, current creditor : XXXX XXXX XXXX XXXXReference # XXXX, current balance {$6200.00}. In this letter they only office different repayment plans. 

Back in XXXX My wages were garnished for a year for this same amount but from a different recovery solutions and it was paid in full. This took place when I worked for XXXX XXXX in XXXX, XXXX. In XX/XX/XXXX, I paid all my student loans off. Then now I receive this letter that I have some other student loan out there that was never paid off. 

I attended to colleges for my XXXX XXXX XXXX, they are : XXXX  XXXX XXXX, in XXXX, XXXX  and XXXX in XXXX, XXXX. I never took a loan out through XXXX  XXXX XXXX and I have never received any letters, notices or calls from XXXX or other affiliates in regards to this amount, until I received this letter. 

I did call Dynamic Recovery Solutions and told them, I feel this is a fraud letter and that I want proof from their end that I took out this loan, that they have a right to collect on this loan and the entity claim what I owe is the proper amount due. I was told they would look into this but this is my debt and I need to repay it. 

I can be reached by cell : ( XXXX ) XXXX or email : ( XXXX ) or home address : XXXX XXXX XXXX XXXX, XXXX , XXXX  XXXX. 

Thank you, XXXX XXXX
I went to co sign for my partner e. car and was denied. I was totally surprised because I have severe.I paid off cars on my credit. I went and pulled my credit and there e.re things on my credit that are not mines. I contacted my local police and FTC. Imm also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX. Please remove these items from my credit. I
I am from XXXX county Indiana of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/1972 Others copied my documents attached to my social security number and data 50 states wide and in XXXX and XXXX As counter ids scams using business permits scams and never asked me per the IRS I have been used a sinage by many land development using my documents as landdelopments and consideration business Federal and state not authorized Others fraud the doctor listed on my birth certificate long form of XXXX XXXX XXXX and XXXX  XXXX Then others frauded my immazation record of XXXX XXXX of XXXX county Indiana I have been deniged credit card and department stores change card and loans and payday loans and scotter and RV loans and mobile homes loans for 18 years Others used my credit files as retailers store 's and banking and financial and business and banking permits and 50 states grocery store products with receipts, and marina and apartment building permits and politican listings and lawyers and judges and law offices and police and clothing and chruch groups and auto stores and consideration permits and insurance workers and IRS retailers workers and semi truck and semi truck business permits Schools and school products and services and building permits business and advertising
On approximately XX/XX/XXXX ( while traction was pending ) I filed a fraud report with Barclays Bank Delaware related to transaction with XXXX XXXX XXXX with the initial transaction date of XX/XX/XXXX for  {$39.00}. On XX/XX/XXXX I received a return phone call from Barclay Fraud department where the result of the call was agreed to have a 3-way conference call with the merchant the next business day ; I did not receive the follow-up call as agreed. On this call I was also advised that the merchant is to be notified of the new credit card number. Which authorizes them to continue charging me for services that I have terminated and continued fraud. On XX/XX/XXXX I received a notice dated XX/XX/XXXX that my fraud complaint was denied. 

I have attempted and completed as required by the agreement with the merchant XXXX XXXX XXXX. As well as all other possible means prior to the transaction date to terminate and cancel all services before the anniversary or renewal date. 

Attached to CFPB complaint is a copy of " XXXX XXXX XXXX '' agreement, e-mail notice of termination as required by agreement, and the Barclays denial notice from the initial fraud report.
I GOT VERY SICK AND ENDED UP IN XXXX AND COULDNT PAY MY BILLS..I RECIEVE A PAY LOAN FROM XXXX XXXX OF XXXX AND I PAID XXXX BACK, AND THEN I GOT ONE TO PAY ANOTHER LOAN OFF AND GOT XXXX AND OWE OVER XXXX BACK, I THOUGHT I WAS TOLD TO PAY XXXX A MONTH BUT IT END UP BEING XXXX A WEEK AND THEY ARE ALSO CHARGING ME INTEREST PER DAY AND IT IS NEVER GOING DOWN, ,I GOT ANOTHER ONE FROM XXXX XXXX OF XXXX $ AND FOR ALMOST TWO MONTHS NOW.. HAVE PAID XXXX $ EVERY TWO WEEK AND THEY TOLD ME THAT IS NOT MY LOAN IT IS JUST INTEREST AND IM NOT PAYING ON THE LOAN. I GOT ONE MORE TO TRY AND MAKE END MEET FROM XXXX XXXX   OF XXXX $ AND THEY GOT ME PAYING XXXX EVERY TWO WEEKS 10 TIME BEFORE I PAY THAT ONE OFF, I KNOW I OWE ALL OF THESE BUT I WILL NEVER PAY THEM OFF, ,ALL IM ASKING IS FOR A SMALL MONTHLY PAYMENT SO I CAN PAY ALL THAT I OWE..I HAVE PAID MORE THAN ENOUGH ON ALL THREE BUT I ALSO AGREED TO PAY.PLEASE HELP ME.
I SUBMITTED PAPERWORK TO EQUIFAX AND XXXX A NUMBER OF OCCASIONS. XXXX  DELETED IT AND THEN PUT IT BACK. THEY KEEP TELLING ME ITS BEEN VERIFIED, WHICH IS IN CORRECT. THE THIRD PARTY VENDOR THAT THEY CLAIM TO HAVE VERIFIED DOES NOT HAVE INFORMATION ON ME BECAUSE I HAVE OPT OUT, THEY CAN NOT VERIFY ANY INFORMATION ON ME. SO IF IT CAN NOT BE VERIFIED THEY HAVE TO DELETE IT.
we are trying to perform a short sale with Wells Fargo. There have been XXXX offers on my home, yet Wells Fargo has not even reviewed them yet, after two weeks, because they ca n't seem to get this open to do a short sale.
I have sent several requests to Portfolio Recovery per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
I received an updated credit report today XX/XX/18 from XXXX  now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with XXXX  correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX XXXX XXXX was to be deleted as well but is still appearing on my report.
On or about XX/XX/2018, I filed a complaint with the CFPB, case # XXXX against Wells Fargo Bank. 
I received a response from Wells Fargo in the form of a letter dated XX/XX/2018 stating their remedy would consist of a refund of overdraft fees in the amount of {$170.00}. 
Some time passed and I noticed I had not received a check in the mail or a credit to my checking account in the amount of {$170.00} or any credits totaling {$170.00}. 
In the month of XXXX, I contacted Wells Fargo Bank through the Customer Service Department line for checking accounts and was told by the representative that there are no notes or indication that Wells Fargo had made regarding my complaint or the refund of {$170.00} and because there were no notes, I would need to contact the CFPB to resolve. 
I called CFPB and was told I would need to open a new case to resolve the matter.
I had an answering service with XXXX XXXX XXXX which I canceled. They charged me extra after cancellation. I brought the issue to my credit card company, Citibank, attention. I provided all the facts of the matter and they still did not reverse the charge. The answering service company was not answering the forwarding calls which is the reason I pay for this service. My colleagues informed me about the lack of service as they could n't get in touch with us. I contacted the company on XXXX XXXX and canceled service stating that they have not been answering my business calls being forwarded to them as per our service agreement. We contacted them via email and phone call on the XXXX XXXX again to confirm the cancellation. 
When I signed up with this company 3 1/2 years ago, they charged my card one month in advance. Now, They charged my card for XXXX again, even though I have canceled my service. They are refusing refund despite the fact that I have canceled within guidelines. 
Also, XXXX in their billing department sent me an email claiming I owe them XXXX of dollars and threaten to send me to the collection. They sent me statements that showed the account has XXXX balance, but they said that they ca n't see what credit card has been charged. This shows the company relies on scare tactics and predatory practices to collect money from clients. They had my credit card on file since I started with their company. I explained to her it would have been impossible for my service to remain active without them receiving payments. She said they have been subject to internal fraud and implied I could be part of it. As outrageous as that sounded, as a courtesy, I provided her proof of charges on my credit card for every single month of service since 2015. With all this, it is difficult to tell if this is a legitimate company or fraudulent. I suspect individuals or the company are committing fraud by trying to scare the customers into paying for charges that are not real. Their actions and their own claims of internal fraud are definitely red flags in that direction.
THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -
I contacted Transunion disputes department on a recorded line on XX/XX/2019. My dispute was refused because they have never heard of the law in the state of Alabama where a minor is considered to be anyone over the age of 19. I offered to send in the information but he still refused my claim.
I obtained a mortgage with XXXX and they sold my mortgage to Chase. Chase is a terrible mortgage service company. I paid them in XX/XX/XXXX and they did n't post my payment. Then when I tried calling them to resolve the issue they punted me to some call center in XXXX. Needless to say they did n't help me and the customer service was terrible.
I am a housing counselor for a non-profit hud certified housing counseling agency representing a client with Carrington Mortgage who has applied for a loan modification ; ( the loan mod process started with XXXX and then transferred to Carrington ) we have both contacted the lender repeatedly and on XXXX XXXX, they finally stated they had a complete package and they were waiting on the irs transcripts and title search to come back. Then on XXXX XXXX they closed the file for not us not providing documents. I have called with the client on conference with the lender and was advised the spoc had incorrectly notated the file and they did n't have all the documents and closed his file. They had mailed him another package and advised us we had to completely redo another file in order to be reviewed. I argued why should we have to start all over again when you already have all the information. I asked to speak to a manager and was adv one was not avail they were in remediation and that they would have to call me back. I also asked to be put to the spoc and she did n't even attempt to get her on the phone. This is the XXXX time they have made us restart and now are wanting it done a XXXX time. This client is/was current at time of submission.
I XXXX in 2014 and had a loan with XXXX. However, my loan was handed over to a collecting agency - Immediate Credit Recovery without notices, which incurred a fee of $ XXXX. Moreover, as I wanted to see a detailed information of loan : interest rate and how it 's been accrued, the loan collecting agency refuse to provide me such information saying they do not have it.
We started the refinance application process in XXXX XXXX 2015 through XXXX XXXX /Bank of Oklahoma XXXX . All moved along with positive feedback and we were told that the mortgage should be approved without an issue the week after everything that was required was received and reviewed. The following week, last week of XXXX, we were informed that the underwriters do not believe the appraisal that they set up because it was a high value in the state of Florida. We asked to borrow not even half of the appraised value. We are informed that the reason that our mortgage is not approved is because they did not believe the appraisal. We feel that XXXX XXXX / Bank of Oklahoma XXXX has nothing to base this rejection on and they are discriminating against Florida residents. We wasted time and money going through this process all because the companies underwriters do not believe their own appraisal. We do not understand the risk involved and nobody can explain it to us, the unapproved loan on an amount less than 50 % of value does not make sense. Not one person has been able to explain the risk involved for the loan amount requested on this property. We were only told that the appraisal is too high and they will not approve it. We must start the entire process over with another Mortgage Lender. If they have an issue with Florida they should be up front and disclose their Florida State paranoia and have us go to a mortgage lender who does not discriminate against residents of the state of Florida.
my chase credit card bill dated XXXX/XXXX/15 was {$630.00}. on XXXX/XXXX/15 I paid the entire balance. my due date was not til XXXX/XXXX/15. they charged me {$7.00} interest. I called to complain and was told I did n't pay my account in time.