WillisBack/dataset-financial-user-claim huggingface dataset:
I had a name change in  XXXX    XXXX   along with the name associated with my social security number. I recently applied for a loan for a used vehicle and was told I have  XXXX  credit despite 3 years of unmissed payments on my previous car. Apparently, my credit history from my former name was not transferred forward with the updated name. I need this changed as soon as possible.
The message said for me to file a mew report due to unable .Dont know why >???
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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX I received notification that Synchrony Bank closed a dispute with XXXX XXXX in favor of XXXX XXXX, citing a letter that XXXX XXXX sent them indicating that I had not responded to my own request to have a brand new refrigerator repaired due to the refrigerator light never working even at time of delivery on XX/XX/XXXX. The six emails that I sent to XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX regarding the brand new refrigerator light not working were not included as evidence I had  contacted XXXX XXXX attempting to get the repair done. After days of runaround by XXXX XXXX with them at first telling me someone from repair would call in 48 hour to me calling and emailing repeatedly unsuccessful in my attempts to either get the refrigerator light fixed or return the refrigerator, I paid a repair person {$75.00} to diagnose and repair the refrigerator door light switch. I contacted XXXX XXXX, President Synchrony Bank on XX/XX/XXXX asking why were n't any of my many emails sent to XXXX XXXX sufficient evidence that XXXX XXXX falsely claimed that I have not responded to them regarding the refrigerator and why Synchrony Bank based their decision in favor of XXXX XXXX based solely on XXXX XXXX 's letter to Synchrony stating that attempts were made to contact me and I did not respond. XXXX XXXX from the Office of the President at Synchrony Bank responded indicating that she would be assisting with a resolution, but only asked me to email her -- which I had already done.
XXXX, Experian and XXXX has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.
On or about XX/XX/2016 I contacted the XXXX CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XX/XX/2016.
On or about XX/XX/XXXX, I sent my mortgage payment to Quicken Loans Inc in the amount of {$1000.00}. The due date is XX/XX/XXXX with a 15 day grace period.The due payment was {$780.00}, the balance to go to be applied to the principal. Quicken admits it was received on XX/XX/XXXX, but did not post it until XX/XX/XXXX claiming an unknown problem according to a Customer Service Rep. On XX/XX/XXXX, I received a statement dated XX/XX/XXXX. The statement said that I had not paid for XXXX and billed me {$1500.00}. On XX/XX/XXXX, I called as and spoke to the Customer Service Rep and was informed that they send out the statement on the XXXX as they have to give a " reasonable amount of time '' before the next due date. I pointed out that 1 ) my payment was not late as per the 15 day grace period and that the statement preceded the expiration of the grace period by 15 day. I was passed on to a Mr. XXXX XXXX, Client Executive Advocate. He repeated the same thing. 2 ) Mr XXXX claimed that this change in policy was due to a Regulation 1026.41. I pointed out that the regulation only required a " reasonable amount of time ''. 3 ) My point is that Quicken Loans Inc is sending out statements which are erroneous, and confuse the debtor, making him'her think they have not paid and will send in a double payment.
I am a victim of identity theft and I did not apply for some mortgage products or credit line from these accounts..I sent a letter to Equifax hoping they will help me out but they never did..CFPB please step up and remove the accounts XXXX ( Original Creditor : XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX XXXX
I applied for carecredit on XXXX XXXX, XXXX. My cat needed emergency needs. The procedure cost {$400.00}. Now I was told by carecredit that a cost of {$900.00} dollars was also taken from the card, but I 'll have to double check that ( waiting for statements in the mail ). 

I also had an emergency XXXX XXXX operation that cost {$1000.00}. There were other smaller payments for my cat, but I paid the minimum since getting the card and never missed a single payment. I kept up with every payment ( minus this {$900.00} ). Each time I paid, my minimum decreased. I had my balance down to {$2100.00}. 

I was given a ridiculous promotional option of paying {$1300.00} before XXXX/XXXX/XXXX. Here 's what is stated at XXXX XXXX : " If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment ( Extended Payment Plan ) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due ''. 

Being a single young woman living on her own, paying utilities, rent, car notes and insurance plus health insurance, carecredit 's promotion was laugh worthy. So, I only paid the minimum as I could only afford. At this I was paying {$71.00}. 

Now my statement is {$2500.00} with a minimum of {$84.00}! I called carecredit and the supervisor apparently said that for each time I used care credit, a promotion was given for me to pay off the debt I owed. To my knowledge, I only received the XXXX promotional plan which was too expensive to pay off anyway. 

I never knew about any other promotion or the fact that using my card pretty much made matters worse for me. 

Bottomline is that after faithfully paying my debt and never being late ( even paid early ), I 've been sacked with a HUGE interest rate that put me back at square one. I had credit cards before whereas all you do is use it, pay your debt, done. But it seems like the folks at XXXX XXXX wants to keep their customers in debt and leech off of them with ridiculous interest rates that will keep customers enslaved to this wretched business! 

I need help. I feel as if I 'm being scammed and that care credit will stay taking my money for ever.
I received a payday loan from West River Cash for the amount of {$350.00} and after 1 payment of {$120.00} and another 3 for {$100.00} that the principal only went down to {$340.00}. The representative informed me to pay in full it would be over {$400.00} after paying them {$430.00}. They have me on an 18 month repayment cycle of {$100.00} a paycheck. The representative could n't answer why I would be paying roughly {$1800.00} for a {$350.00} loan. The representative, XXXX, said I have been making the minimum payments whereas the {$120.00} payment only affected the principal by XXXX cents. They only thing XXXX mentioned to me was speaking to an account manager and I did n't want to receive any abuse or harassment of any kind by an account manager.
I have recently obtained a copy of my credit file and there is wrong information in my report.     XXXX   XXXX   XXXX   XXXX   XXXX  * : Unverified account   XXXX   XXXX   XXXX   XXXX   XXXX   Unverified account   XXXX   XXXX   XXXX   XXXX   XXXX   I have never paid late this account Beside that, my personal information is reported incorrect, please fix it
To Whom It May Concern : My name is XXXX XXXX and I would like file a formal compliant of XXXX and racial discrimination against, Springleaf. I applied for a loan where I was trying to consolidate some debt and because at the time : I advised them of my race and XXXX and I did get the loan amount needed. I had to use my car, XXXX Nissan Sentra, as a form of collateral in order to get a loan of {$2000.00}. I was advised that my payments would be no more than {$180.00} but I have been charged an online charge of {$2.00} each time I have to pay online. I was never advised of this information. I was also never advised completely of the high interest charges and now I 've learned that it will take me three years to pay off the loan. 
Springleaf also placed me on some type of program where I would get towing and other services but never provided me the information. It was until I made contact with their corporate office in which that information was given. Their corporate office claims that the factors surrounding my credit worthiness had nothing to do with race or XXXX and yet have not been able to provide me evidence upon request. 
Sorry, but I paid for a first-class service, and I expect to receive it. Please contact me within ten days to arrange talks in settling these affairs. In other words, I am seeking that the loan be paid out in full and satisfied. I am also seeking mental anguish and punitive damages. 
Sincerely, XXXX XXXX
My personal information ( including my SSN, Drivers License Info, Addresses, and more ) was stolen from a hacking, and Equifax did n't tell the public about the hack until more than a month after the hacking. During this time, three Equifax executives were caught inside trading. It really shows how Equifax cares about other people!
XXXX XXXX XXXX My name is XXXX XXXX XXXX for some reason Transunion has me has XXXX XXXX XXXX so I don't know if this is thevreason I can not get my fico 8 Tansunion Score i paid for my scores Transunion is showing 4 accounts 1 inquire and no score on my XXXX credit card with free transunion score 8 it says XXXX score or score not available.
I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only for XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX as my only address but they refuse to remove multiple addresses located all over XXXX XXXX, NV as well as an old po box in XXXX Ca., I have requested numerous times to remove XXXX XXXX XXXX  who is on XXXX discharged as of XX/XX/XXXX but they keep popping up on my credit report even as of this date XXXX ; not only XXXX XXXX XXXX but also XXXX who is on XXXX, University XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX who been paid XX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XXXX,. XXXX XXXX XXXX  absolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX  XXXX. I would like my bankruptcy case # XXXX filed XX/XX/XXXX discharged XX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX, NV. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.
I initially entered into an agreement with XXXX XXXX on XX/XX/XXXX. 

Due to financial hardship, this account became delinquent and I subsequently received a collection letter from XXXX XXXX XXXX XXXX for {$230.00}. 

This account was submitted to my credit file on XX/XX/XXXX by XXXX XXXX XXXX. 

I submitted a certified dispute letter to XXXX XXXX XXXX XX/XX/XXXX. 

I never received a response. 

I submitted a 2nd dispute letter on XX/XX/XXXX and informed XXXX XXXX XXXX that they were in violation of the Fair Debt Collection Practices Act. 

I never received a response back from them. 

This account has surpassed the year statute and it is still being reported negatively on my XXXX account.
Per the XXXX, XXXX have no out of pocket if the past XXXX showed problems such as but not limited to XXXX. In XXXX at the same place they detected and removed XXXX. XXXX XXXX did not diagnostic as that was completed by XXXX XXXX in XXXX. This should have been coded as prevention as I have a family history of death by XXXX, the most recent was my dad on XXXX/XXXX/XXXX. XXXX these XXXX pages show the language of the XXXX in regards to XXXX. On XXXX/XXXX/XXXX I disputed the debt to XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX and XXXX, on XXXX/XXXX/XXXX I disputed the debt to Kansas Counselors of KC. The coding was XXXX and XXXX which is prevention. The letter of dispute I sent to XXXX, acct # XXXX was a letter of dispute containing the aforementioned letters to government agencies and the doctors. XXXX, merely ignored and returned to me. Then they placed it on my credit report failing to list it as disputed. They continue to call and leave messages on my cell phone, a collector named XXXX was leaving voice mails. This unjust debt needs removed from my credit as they have violated the law. It dropped my credit score XXXX points. XXXX had been constantly calling and placed improperly a debt on my credit report.
We purchased a home on XXXX/XXXX/2016 and the loan was to go through NTFN. Our rate was to be 3.75 % which we agreed on and signed on the paperwork that was sent to us 3 days prior to closing. When we went to the closing table at XXXX on XXXX/XXXX/2016 the closing paperwork on the loan had been changed reflecting the interest rate was at 3.65 % and we had to come out of pocket more money at the closing table. This was not what we agreed on nor what we wanted. This in my mind should be illegal if it is not, but I am pretty sure it is since we had to wait 3 days to close after we had received the paperwork from NTFN.
I have been regularly buying cryptocurrency with my credit card on coinbase.com, and it has been labeled as a credit card transaction and going through as such. Unexpectedly and without any notice, it began showing up as a cash advance, hitting me with huge fees from my bank ( XXXX XXXX ). Coinbase sent out an email days after the change, only because there has been significant backlash. They still are not changing to have these purchases coded as regular purchases ( since cryptocurrency is considered property by the government ). Coinbase denies it is their fault and blames the bank, and XXXX XXXX blames Coinbase and refuses to refund any fees/interest/hit on my credit card score. Millions of everyday customers are getting ripped off by a change made that was unnanounced, and we have no recourse.
Hunter Warfield has a very unique style of harassment. They increase the amount of collection balance by only $ XXXX and report the new amount every month. So every month my credit score is injured by the fresh bad collection activity. They also call 4-5 times a day despite my telling them not to. The apartment building that charged me for paint an carpet are criminals themselves, I had reported the maintenance issues three times over the year I lived there. I am not paying the landlord for work that they should have fixed while I lived there and now they have Hunter Warfield trying to collect and hurting my credit monthly. This is a three year old claim!
In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted US Bank and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XX/XX/XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted US Bank 4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.
As of XXXX/XXXX/XXXX, I went to log into my Nationstar mortgage and it 's asking for my email address and email password. That 's against the law. The should not be asking for passwords to your email account. I made a payment on XXXX/XXXX/XXXX and I did not have to do this. I was able to log in with my username and password I created XXXX XXXX. Why are they ask for that. I 'm to review my payment information and how they came up with me oweing {$400.00} more than whats due.
Credit Cards ( XXXX XXXX, XXXX XXXX ) were opened fraudulently under my name. XXXX and XXXX already verified I did not open them and removed them. Equifax has not removed them ( made over 7 disputes if not more ) I submitted Police Reports, Letters from the Military, Orders from when I went to XXXX ( a card was made while I was in XXXX  with the XXXX XXXX ), Identity Theft reports from the Federal Trade Commission, proof that XXXX and XXXX removed the dispute etc.
The company Cbe Group keeps harrasing me by phone constantly day and night. I have told then numerous times to stop calling but they continue to do it please help.
Complaint ID : XXXX The aforementioned Complaint with TransUnion is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. TransUnion, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file. 

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, TransUnion sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

TransUnion 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on TransUnion 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
On XX/XX/XXXX I received an alert from the 3 Credit Bureaus advising that my Capital One Auto loan is 30 days past due. This is incorrect and I want it removed ASAP. Ive had my car since XX/XX/XXXX and never been late. This information thats being reported on my credit report is incorrect. Im very upset and frustrated because my score has dropped tremendously from this incorrect information. I contact Capital One Auto on XX/XX/XXXX and a representative stated that she would dispute it. I have documentation that my car payment has never been 30 days past due and my account doesnt show that Ive ever been 30 days past due.
I have written Wells Fargo requesting them to provide me the details of the legal fees that have been added to my mortgage account of XXXX, XXXX property. As you will note, I have been dealing with this matter since I discovered in my mortgage account and Wells Fargo made several internal inquiries and researches on this and concluded that their charge of {$4100.00} legal fees will be in my mortgage and would not change it. They further confirmed to me that they will not give me the detail accounting/invoices and name of the WF attorney regarding the city 's complaint of code violation at my properties because according to them, these are confidential. WF also repeatedly claimed that they received summons from the city of XXXX and would not give me a copy of the summons because it is non-existent since as the owner of the property, I should also be receiving such summon but I did not because I do not have a case against the city for the XXXX property. We wasted a lot of time and I am asking you to resolve this matter to remove this amount from my mortgage account and relieve me from this financial XXXX and XXXX. The city record does not reflect any written communication between WF attorney and the city officials. In XX/XX/2012, I had communication with a WF attorney who threatened to foreclose my property if I do not completely satisfy the city when he knew that the city has been harassing me for a long time. I am attaching a declaration from XXXX in support of my claim how the city financially ruin me and make a victim of XXXX. I communicated with the same WF Atty. requesting his help to get XXXX 's approval of new electrical service as I already got approval from the city of XXXX but his response was his not going to help me but in fact waiting to foreclose my property if I miss the deadline. WF never informed me why they hired an attorney.