WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I borrowed XXXX grand from a pvt.lender in XXXX XXXX. I came ou with XXXX grand.I had to pay child support arrears. in XXXX I married and my husband and I were calling loans for his truck as security.citifinancial of XXXX XXXX said come over neither XXXX of us had a job. He was looking to go to XXXX which eventually he did. In the process of the loan for the truck title we spoke to XXXX XXXX about my deed for my free and clear property which I owned. They said they would pay off the balance of XXXX XXXX and add it then eventually gave the truck title back. Now the man I married took all the money and left XXXX to XXXX. I told CitiFinancial he left and still I struggled for 8 yrs paying it. they never contacted my husband who was the primary borrower me second but it was my deed. I tried modifying XXXX for the short time of three months. then the interest went way up the payments were really high again. I kept falling off course. My daughter let them take on a few occasions a payment out of her account. XXXX time they took XXXX payments every XXXX weeks out of her account without her permission. They never tried to make me out a new contract. This account has XXXX or XXXX different account numbers. They say it started in XXXX when it was XXXX. I have all the office sent papers. my debt after 9 yrs is almost XXXX when it was maybe XXXX at the beginning. I have XXXX sons XXXX and XXXX my XXXX yr old mother we are in foreclosure, They never contacted me for auction or tried to wait for me to get the settlement offer of XXXX these people are under predatory lending and work with citi the red umbrella and are not under Citibank . They are misrepresenting the lending status as a mortgage my house was mine they did not loan me the money to buy it. they paid a realtor to come to my house and leave by XXXX XXXX XXXX. I need help
I have XXXX credit cards from XXXX XXXX and XXXX that are not being added to my credit report. The XXXX XXXX card has been open for 11 months. They have confirmed that every month they report my account to Equifax, but equifax does not update my report causing my score to reflect a low score for several months now. They have said to talk to the credit card company instead of taking ownership of this error.
Carrington Mortgage company is literally holding my credit hostage. They reported a 30 day late payment to my credit report while Im in the process of trying to get a loan with another lender ( maybe intentionally to keep this from happening ). My payment was NOT 30 days late however. We made payments on XX/XX/XXXX and again on XX/XX/XXXX. This time period is not over 30 days due to XXXX XXXX in XXXX. I wrote a formal letter to their research department stating this, and after 30 days exactly they responded that they could not remove this from my report. Furthermore, they are now suppressing the credit reporting of my on time payments for 60 days due to the dispute being filed! This is also hurting me because I am in the middle of trying to get a loan with another company, and to do so I need to improve my credit scores. This is next to impossible when my credit reporting is being suppressed by Carrington Mortgage for my on time payments. Lastly, I have called them to request a letter be sent to the company I am working with to improve my credit scores to let them know that I have made on time payments, and they refuse to do that as well! I called XXXX XXXX to do the same thing, and they literally had me a letter within the hour. They told me at Carrington that I had to go back through the research department to request this letter, and that is the only way that I could get them to send it. I find this to be very archaic, and not up to date to the digital age of sending and receiving faxes, emails, etc. This process as well could take up to 30 days. I find this ridiculous.
In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over XXXX XXXX XXXX with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on XXXX XXXX XXXX monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in XXXX XXXX who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range.

Late XXXX I was home and read the letter. I took my information and made an appointment with the local XXXX XXXX branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as XXXX complete student loan. So I called Transunion and found out that in XXXX XXXX XXXX XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!
I have received XXXX " NOTICE OF JUDGMENT '' for XXXX unpaid parking citations in City of XXXX through the law firm named Linebarger Goggan Blair & Sampson, LLC. The letter contains wrongly accusation, scary threats, and stressful. I have never owned any XXXX Vehicles listed in the Citation. I did n't travel to City of XXXX on the Offense Date or Year. I have no clue where these citations came from and why I keep getting these harassment!!! 

My daughter had left many messages at the provided number XXXX but no responses. I 'm a senior person. I ca n't tolerate this wrongful accusation any longer. If I have a XXXX XXXX, my children will seek justice for me through the legal process.
On XX/XX/XXXX, I applied for a Chase British Airways card and was approved. I used the card over the next month and charged about {$5500.00} on a {$7000.00} credit line. I paid {$3400.00} toward my balance within 20 days of having the card, to earn British Airways travel miles. On XX/XX/XXXX, I applied for a Chase AARP card and was approved for a credit line of {$4500.00}. On XX/XX/XXXX Chase closed both accounts. Citing my efforts to rebuild my credit and had opened several accounts recently. Chase had full knowlegde of my new accounts when they pulled my XXXX Credit Reports both times, but yet approved me. On XX/XX/XXXX, Chase reported both accounts to all three credit rating bureau as " Closed by XXXX XXXX ''. This has had a significant negative impact on my credit scores as a result. My scores with XXXX have fallen from XXXX to XXXX in less two weeks from the time of the Chase reporting. I did nothing wrong with these accounts and now I will have this negative mark on my credit reports for the next seven years. Furthermore, I had not even received the Chase AARP before the account was closed. Because of the irresponsible actions by Chase, I am the one paying a hefty price when I did NOTHING WRONG, and this will effect my ability to get credit for years to come.
I was offered a settlement and I paid the settlement offer in full on XX/XX/2018. This has not been updated on my credit report to reflect the account was settled and I have a XXXX balance. Please see attached letter showing the settlement offer and the letter showing the account has been paid.
My first name is different than the one Portfolio Recovery is using in a wrongful collection action. Six years ago, on XX/XX/XXXX I sent Portfolio Recovery a letter stating that I had never had an account with XXXX XXXX, that I was not the debtor and ordered them to cease collection efforts.
Now, again, on XX/XX/XXXX Portfolio appears to be attempting to collect a false debt with XXXX XXXX again, and the same wrong name. And on XX/XX/XXXXthey followed up with a letter offering payment options, as if they were offering a layaway plan, instead of collecting from an innocent consumer. This wrongfulXX/XX/XXXXclaim is for {$690.00}. By the way they also make the absurd assertion that if I do n't go out of my own way to contact them within 30 days, then they 'll " assume the debt is valid. '' Why is it my responsibility to contact PRA because their sloppy collection efforts have threatened my credit record? I urge that the CFPB investigate PRA 's failure to comply with the standards of the FDCPA.
I will send them another " No, I am not the consumer you seek, it is n't me, I never had an account with that bank and stop your collection efforts '' letter, but I thought that the CFPB should know. It is unfortunate that consumers have to defend themselves against a company with such very low accuracy and verification standards.
BTW, they also came after me inXX/XX/XXXX for a debt with XXXX, another bank I 've never had an account with. They 'd purchased that alleged debt from another debt buyer, XXXX. Portfolio Recovery is a maddening company to deal with. How many consumers who are wrongly and falsely chased simply end up paying them to get them to go away?
Equifax is ignoring my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
Bank of America drew on personal credit line and even exceeded credit limit to satisfy judgment against a company that I was an employee of.
This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX
This balance was paid on XX/XX/XXXX, over a moth later I disputed this account with all credit bureaus and company reported to XXXX the account in question was accurate when it was n't, it 's paid and should be removed.
On XX/XX/2016 I mailed via certified mail an constructive notice in a form on affidavit sworn under the penalty of perjury to Firstsource Advantage LLC. Firstsource Advantage LLC failed to respond to my affidavit with a proper validation within 30 days. Firstsource Advantage LLC keeps sending me offers to do business.
On XX/XX/XXXX I filed a dispute with XXXX XXXX in regards to an item on my credit report under Portfolio Recovery that I had no knowledge of. I filed a second dispute on XX/XX/XXXX with XXXX XXXX and on XX/XX/XXXX I filed a complaint with XXXX XXXX XXXX. The account they have on my credit report is for {$1500.00}. I have been trying to communicate with them to remove this item as I did not open an account nor do I have any knowledge of such. If any such account was created someone must have used my information and created and used it without my knowledge or consent.
I recently  received a letter from Citi bank that states that their " records reflect that you previously enrolled in Credit Protector, an optional debt protection program offered by Citibank N.A for witch you were charged a monthly fee. '' The go on to say that " if you believe that you were enrolled without your consent or knowledge of the program or costs ore benefits, you may go to www.citi.com/refundinquiry and submit a claim ... '' My concern is that I received this notice with no knowledge of what was happening so I called them. The people I got that I talked to m ade it sound like I have the opportunity to re-enroll into their program and that it is a service that they provide. They are so facetious about it that it sounds like a scam and I was n't going to do anything. I looked your article up on the internet and see now what is going on. Should n't they be more upfront about this? It is very concerning to get such a letter in these times when there are so many scams out there and they give little to no information about what is going on and make it sound like I have the " opportunity '' to re-enroll in their credit protection program.
I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and does not have much sleep because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR, this is aiding and abetting fraud on the Consumer who is a natural person. 
This Debt Collector has violated have harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this this DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.
This Complaint is about a XXXX XXXX that I bought XXXX XX/XX/XXXX, financially by GMFinancial. XXXX XXXX XXXX Account Type RETAIL Account Number XXXX At the time of the purchase I paid {$2000.00} cash with a monthly payment of {$260.00} for 72 months. on XX/XX/XXXX I wanted to pay off the car. I looked in their website an opened the payoff page I had a total payoff amount of $ XXXX.- with 7 payments to go. I did not agree with the total amount, so I called them. The first called the agent stated that was the total amount to pay off the XXXX. I explained if there are only 7 payments to go the total amount should be {$1800.00}, she talked about interest. I requested the statements since I bought the car on XX/XX/XXXX. She said she will contact another department to mail the statements. The statements never got to the mail box. I called them back, this time the agent explained the same, I didnt understand about the interest and told her I dont owe that amount, she said the information online is different from the one they have in the files. 
On XX/XX/XXXX, I called them again and the same answer, I never received the statements. There are a lot of discrepancies : 1 ) The 7 payments to go were there for about 3 months ; 2 ) In the history account they jump onXX/XX/XXXX, 12 payments to go and on XX/XX/XXXX 15 payments to go-3 payments increased ; 3 ) when I was in monetary crisis I didnt pay the month, but as you will see in the statements I had time when I paid {$500.00} ; 4 ) They never mailed the statements I requested with the {$2000.00} down  payment. As of as today they requested me to pay the car off {$2100.00}, still 6 months to go X XXXX = XXXX and I dont even owe them that amount. This car should be paid off on XX/XX/XXXX AMOUNT FINANCED {$12000.00}, {$2000.00}, cash down payment. AS OF TODAY, I had paid XXXX. 
THEY STILL CHARGING UNTIL XXXX ANOTHER {$1300.00}. I havent made XXXX payment, Im sick, a lot of lab to find out what is going on with my poor health. My income is not the same as before. And I need to get rid of this account, I turn XXXX yrs on XXXX and I dont want this account on my shoulder. 

Thank you for any help with this situation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Fl XXXX XXXX
I received 2 phone calls on XX/XX/2018 from " XXXX XXXX XXXX '' about " pending legal action '' for US Bank. I do not have a US Bank account nor have I had on for more than a decade. I do not owe any money to US Bank.
I 've made a few payments for this debt after they threatened to deliver a subpoena for a lawsuit. The debt is valid but when I tried to find identifying information about the debt collector, I was unable to. They have been very aggressive with phone calls and threats. I believe this company does not own the debt nor are they authorized to collect. Their web site XXXX is currently inactive and parked by XXXX. I have not received any replies to my email messages either. I believe they are using SMTP spoofing to send me messages I ca n't reply to. The only information I have for them is mail address and XXXX phone numbers, but they are registered to other companies. XXXX and XXXX are the numbers I know of for them. My contact there is XXXX but he did not provide a last name or alternate contacts. XXXX XXXX is an ambiguous name. The only company. I found as XXXX XXXX or XXXX XXXX XXXX has filed for bankruptcy and is no longer in business. Business directories show the business as an investment firm, not a collection agency. It is my firm belief that this company is scamming people out of their money. I have not received any mail from them, either. Please advise.
Applied for a credit card with US Bank in XX/XX/XXXX. Called in to request a credit line reconsideration. I explicitly told the customer service representative that under no circumstances could they initiate another hard inquiry on my XXXX report and the customer service representative told me that since they use the last 30 days inquiry, there would be no 2nd hard inquiry on my XXXX  report ; however, underwriting submitted another hard inquiry on my XXXX  report. Called in several times to get them to investigate. Finally after several phone calls they finally pulled the recorded phone calls and noted that they would remove the 2nd hard inquiry from my XXXX report. To date, no request to XXXX  to remove the hard inquiry has been initiated by US Bank. After several calls to underwriting to inquire about their lack of followup to remove the hard inquiry, they can only see a notation to remove the hard inquiry, but no one seems to know who will submit the request or when that might happen. It's been nearly a month since my initial request to remove the hard inquiry and no request to XXXX has been initiated by US Bank.
XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, XXXX XXXX, XXXX am Jur XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
SYNCB/GAP, phone ( XXXX ) XXXX. I do not recognize this at all. I do not know why SYNCB /GAP is showing on my credit report as a hard inquiry. I need help to get this remove from my credit report. I do not recognize it.
I had a car loan with Capital One Auto Finance I purchased a XXXX XXXX XXXX. I took out XXXX XXXX when I purchased the vehicle. I had a XXXX XXXX in XXXX XXXX and the insurance declared my car a total XXXX. I filed a claim with my insurance company, XXXX XXXX. XXXX requested a payoff from Capital One Auto Finance they paid what the value of the car was at the time. XXXX XXXX covered the remainder amount owed. Capital One Auto Finance is reporting that I owe them more money when my account was paid in full through XXXX and XXXX XXXX. I want this account removed from my XXXX Credit Report. My loan with Capital One Auto Finance was satisfied in XXXX through XXXX and XXXX XXXX.
On XX/XX/2015 I contacted Capital One credit card company to get a full pay off balance on my accounts and to close the accounts.They gave me a full pay off balance which I knew to be double the amount owed.Against my better judgment I payed off the accounts approximetly $ 2300.00.within 14 days I received a refound of {$510.00} I promptly contavted them they assured me I was owed the refund.I cashed the check and within 14 days received a letter from them stating I owed them {$510.00} due to an error in their record keeping.I called them and contacted them in writng telling them wht they were attempting to do was fraudulent and they could be held liable, and they responded by laughing and mocking me.I fully understand credit card companies feel they are above the law and maybe they are but this is not rite.accounts were ending in # XXXX and XXXX.Please help.this cant be legal.
As of XXXX/XXXX/2015, I have maintained part-time enrollment within XXXX University 's XXXX program. XXXX University is located in XXXX XXXX, FL. In early XXXX, I contacted ACS, my private student loan servicer to request a continued deferral on my private student loan account. ACS told me that they would process my deferral if I provided them with a letter of enrollment from my institution. I faxed a letter of enrollment to ACS on XXXX/XXXX/15 and XXXX/XXXX/15. I received successful verifications of the transmittal of the faxes to ACS. Despite this, ACS claims that they did not receive the fax and debited my checking account for the monthly payment of my private student loan. I e-mailed ACS a copy of the enrollment verification letter from my school on XXXX/XXXX/2015 since it is apparent that they have difficulty with not misplacing faxes. Today, I received an e-mail from ACS stating that they will not accept the " verification '' of my enrollment because the letter does not indicate my enrollment status. However, the enrollment verification letter does display my current enrollment status. I need your assistance in sorting out this letter because it is clear that ACS is attempting to thwart my attempts to defer my loan in an attempt to swindle money from a hard-working XXXX who is pursuing a graduate level degree. Notably, this is not the first time that I have had to file a complaint with your department regarding ACS and this private student loan account. Please reference your case-numbers : XXXX & XXXX & XXXX.
Hi, on XX/XX/17 I went to my bank JP Morgan Chase to withdraw cash, after I insert my debit card and enter my pin I was asked to provide ID, well I handed it to the teller, just after that she called her manager and they started asking me too many questions like my SSN where I live etc..I asked to get my ID back and they refused saying that I look suspicious to them, well I started getting nervous because they were speaking too loud that all customers looking at me as a Scammer ... after more than 10 years I was treated like a Thief..i never experience this kind of behavior in my entire life and hoping that your Involvement with make it the last for this Bank. Thank you for your collaboration. Sincerely. XXXX