WillisBack/dataset-financial-user-claim huggingface dataset:
My problem is best described by 3 things. High-pressure sales tactics, problem with additional add-on products or services purchased with the loan, and changes in terms mid-deal. I was misled into a different and unfavorable loan by deceit and high-pressure sales, mid-transaction. I purchased a certified pre-owned XXXX from XXXX XXXX on XX/XX/17.  The dealership is located in XXXX XXXX, FL and I reside a 4 hour drive away so the deal was negotiated via phone and email prior to XXXX. I was approved for a 60 month loan with an interest rate of 1.9 %. When I went to sign the loan paperwork, the finance manager began up-selling me several different warranties. His misleading statements affected my decisions and have a material impact that will cost me an additional {$1700.00} in interest. I assume these UDAAP violations are a result of his desire to make a commission. This finance manager greatly overstated the cost of future maintenance and tires, quoting them at {$600.00} per tire and {$1900.00} for a brake job. He pressured me into the add-on warranties and policies of 1 ) maintenance for {$2400.00}. 2 ) Wheel/ tire for {$1400.00}. 3 ) Protector policy for {$590.00} and 4 ) dent wizard for {$980.00}. He up sold me for a total of {$5400.00} which he added to the loan amount. Because of this additional and unneeded expense, he suggested we modify the loan to 72 months which had a higher interest rate of 2.9 % to keep my monthly payment lower. I agreed because I wanted the more manageable payment. Once I arrived home, I began looking through my paperwork and discovered that I was never provided a copy of the maintenance policy. I contacted my salesman who emailed the policy to me. I also researched the maintenance/ service expenses and found the quotes I was given to be extremely overstated! Within 3 business days of my purchase, I contacted the finance manager to cancel these add-on warranties. He stated that they were non-refundable which I later learned was untrue. Not satisfied with my dealings with the finance officer, I contacted the Finance Director at XXXX XXXX. He was able to cancel the warranties and said a refund check will be sent which I am yet to receive. I asked him if we could apply those funds back to the loan and modify the loan back to 5 years at 1.9 %. I was told the loan was already funded and it was too late to make modifications. This finance manager, who works on commission, lied to me affecting my decisions and it will cost me {$1700.00}. I need this loan modified back to the original agreement please.
Inquiries done with out my consent by Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I was mistakingly given two SSN and I have since resolved this issue with the Social Security Administration and they have told me to start using my correct SSN. They even provided a letter for all transfers and changes I will need. I want all my credit from Transunion on old SSN, transferred to new. 

I have contacted Transunion with ALL needed documentation and they answered with a letter that has nothing to do with what I said, or talk about any updates. Which means it was n't even looked at.. I want all my credit history with Transunion transferred to actual SSN asap. I have provided the letter I sent them and what they answered with.
Inaccurate information reporting on my Experian and XXXX reports, this item was removed from my bureaus and now has come back from another collection agency as XXXX
In 2014, Navient did not consolidated my student loans correctly and ( although I called multiple times a week and documented my phone calls for my own records ) it took almost an entire year to correct. I was told to put the loans into forbearance until their error was corrected and I ended up having the interest that accrued during months of forbearance applied to my principle amount. Navient also miss calculated my payments and set me up with a payment plan that paid less than the monthly interest that accrued. After a year of making the payments they told me to make, I owed more than when I started. Numerous times I asked for a record of how my payments were being allocated to the total loan amount and was never provided a way to see this. After over a year of struggling with this company, I transferred all of my consolidated loans to a different provider. I still have XXXX unconsolidated student loans with Navient which makes me uncomfortable. I do not believe my account was managed appropriately and I believe ( despite numerous attempts to fix this via phone conversations ) Navient did nothing to fix my account because they were able to profit by not fixing it. I was scammed. I have documentation of when I called, who I spoke to, what was I was told, and how nothing was done to fix my account. 
This was for XXXX loans I took out while attending XXXX XXXX XXXX University.
I was living at an apartment at " XXXX '' for over XXXX years with no trouble, however, in XX/XX/XXXX the apartment started having foundation problems and started cracking all over the walls and it was fested with roaches. when I talked to the apartment manager in XX/XX/XXXX they said it can not be fixed and i can move out without any charges ; however, toward the end of XX/XX/XXXX the apartment complex was sold to another company and when i moved out on XX/XX/XXXX the wanted to charge me about {$500.00} extra for an apartment that was not suitable to be rented. I disputed that charge and they sent it to a collection agency Southern management at XXXX which has been harrasing me since XX/XX/XXXX even though I told them that the debt is not valid and they need to either take it to court or stop calling me. they continue to call me with threats and report the incorrect debt to my credit report. Again they either need to take me to court or stop harrasing me.
Company has not reported good status updates in over 30 days.  They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XXXX  2017.
Citibank removed all my points from my Thank You Rewards account. I earned points through multiple Citi Fwd credit cards, as they changed numbers throughout the years. 
I tried logging in to my account, but my login was denied. I then called Citibank, talked to supervisor XXXX, who is based in Kentucky with ID XXXX. He told me my account was closed and it was " inactive '', claimed Citibank " sent a letter '' saying my account would be closed, but was not able to say when the letter was sent nor had a way to track it. I told him I never received a letter or email or call or anything. 
He then offered to credit my account " in XXXX points, which is about half of the points ''. I rejected the " offer '', telling him that by accepting it I would be in line with Citibank 's actions, which I 'm clearly not. I told him I wanted nothing more, nothing less than the points I 'm entitled, which I earned by spending money on the card since 2009. 
There are at least a couple of cards that earned credits, ending in XXXX and XXXX.
Hi, my servicer NATIONSTAR MORTGAGE, LLC is violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE, LLC and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for XX/XX/2017. How are they allowing this fraud to happen. Or are they trying to get what they can out of me and sell my home. Seems like they want to take my trial period payments and not give me a loan modification after. Why would they place my home under foreclosure while Im still in the trial period payment process? I want to work with them and have been for a very long time. After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on XXXX XXXX 2017. I agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok as well. But after making those two payments I received letter in the mail saying that my Loan Modification was denied due to not making the Trial Period Payments. How can this be that after making two payments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for XXXX XXXX, 2017 ( XX/XX/2017 ). They are clearly in violation of the California Homeowners Bill of Rightsand other laws as well.
On XX/XX/2018 i obtained my Equifax credit report. When I received it I noticed that I had 17 negative accounts and 43 inquiries reporting to my credit report of which none of them I recognize. 

Most of the collection accounts are from a company called XXXX XXXX XXXX representing various creditors, none of whom I have never done business with. Another collection account is from XXXX XXXX of whom I have never done business with either.
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX Please delete any other variation. 
my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
A request for verification was sent to XXXX XXXX XXXX on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted XXXX XXXX XXXX via telephone at XXXX and spoke with XXXX at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the 34th day, I informed XXXX XXXX XXXX via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request. Attached are the Verification Request letter, Tracking info
I recently pulled my XXXX and XXXX ctedit report and to amazement, I still see this company name Synchrony Bank/ Walmart account displaying on my reports. I have been disputing this account with credit reporting agencies XXXX and XXXX, but it comes back " verified '' since 2014. I have also contacted the data furnisher as well. They tell me account has been sold, but does not verify/ validate ownership. Synchrony Bank is the company that is listed on my credit report with XXXX and XXXX. No legal proof has been provided to justify the company name being on my credit reports. I have requested information, documentation, validation, and verification. Nothing ever gets accomplished, this company name continues to remain on my credit files with XXXX and XXXX unjustly. It is a violation of my federal rights under the Fair credit reporting Act and Fair Debt Collection Practices Act.
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.
Credco applied a hard inquiry to my credit report when I was told it would not show up as one. I asked about my options for a loan not to apply or be approved for one.
Traded in a car and dealership didnt payoff within the 10day alotted time which resulted in a late payment dealership sent fax to chase saying it was their fault and to please remove from my credit chase removed it from XXXX  but did not from XXXX or XXXX I disputed it with both and they will not remove it. Traded vehicle XX/XX/XXXX disputed XX/XX/XXXX. This was not my fault and it should be removed.
We were XXXX in XXXX, XXXX until XXXX. We then XXXX transfer to XXXX XXXX, XXXX and decided to leave our family in XXXX so our daughter could complete her final year in high school. We then rented our house out as we were unable to sell it after being vacant for 6 months. We lost the renters in XXXX XXXX. We began working with XXXX XXXX XXXX in XXXX to obtain a work out because we were upside down with the mortgage, behind in payments due to my wife 's medical issues, and unable to rent the house for enough to cover the mortgage. XXXX then sold the mortgage to Select Portfolio Servicing ( SPS ) but did not transfer the work out request to them in XXXX XXXX. We have now been dealing with SPS since XXXX XXXX with no resolution. They continue to ask us for the same paperwork that we have already sent them and this is confirmed with their agents that they do in fact have the requested documents. Despite these confirmations they continue to ask for documents that their agents have assured us they have thus dealing the decision and forcing us to accrue late charges and interest.
I sent a debt validation letter and they replied that they could n't find any account with my name on it but they are reporting to   XXXX   that I owe a debt to them
I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of Trans union and XXXX.
We refinanced our home on XX/XX/2013 and reduced our payment to {$1400.00} per month. 
But after a couple of.months the lender is sending bills for XXXX. 

They are adding another another item.colled.other fee and collecting un authorised money from us. 
We called the customer care. 
They told me If I am not.paying it they may forclose me. 
I am XXXX and surviving with XXXX small. children
I received a call from Macy 's credit card fraud department on XXXX/XXXX/XXXX inquiring if some charges to my Macy 's card account were authorized by me. I told them no and that I had not used the card since XXXX, XXXX. They sent me a fraud dispute form ( attached ) which I filled out and disputed XXXX charges totaling {$610.00} mailed it to them on XXXX/XXXX/XXXX. They canceled the old card number and issued a new card which I have not used. I later received a billing statement where they transferred some of the disputed charges to the new card number and added late fees and interest charges. I phoned Macy 's twice to complain and the representative indicated she could see where I submitted the dispute form, but indicated the fraud Department had 60 days to review the disputes and I should ignore the billing statement. She said she was unable to issue anything in writing confirming the dispute was filed. Now I have received another monthly billing statement dated XXXX/XXXX/XXXX where they have added more penalties and interest.
I received a notice from First National Collection Bureau , Inc stating I owed {$11000.00} for a non-existent loan. 
Current Creditor : XXXX XXXX XXXX, XXXX Original account # : XXXX
Hello, I am being sued by Portfolio Recovery on an Timed Barred debt. The last activity ( payment ) on this item was in XXXX XXXX. There have been no payments, offers to pay, no conversation what soever with Portfolio about this item until the pretrial occurred with a representative Portfolio hired. 
The collections automatically dropped from my credit reports in XXXX or XXXX per the Federal reporting of 7.5 years. The other situation is this was my daughters account and I was an authorized user but the original card issuer ( XXXX ) had my name listed as the account holder. 
I have already had the pretrial and the court date for trial is XXXX XXXX, XXXX
I have sent numerous dispute letters disputing this account. With all the attempts they never validated the debt. My letter specifically stated that they must have all documents that bare my signature and also the billing ledger and any other information to prove that I was in default with this account. I have not gotten this information. As of today XX/XX/2017.
I did a refi on my home and the company was Secure One Capital. I never received a statement from them to make my first payment, so I sent it to the address in my loan paperwork in XXXX 2015. The check cleared on XXXX XXXX, 2015. Around the end of XXXX, I receive a statement form another lender called XXXX XXXX. On the statement it showed I was late on my XXXX payment. 
So I had my wife contact Secure One Capital. Took numerous calls and emails trying to get Secure One Capital to forward the payment to XXXX XXXX. Still to this date, the payment had not been forwarded.
XXXX and my divorce started in XXXX XXXX  2015. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX. Filing false XXXX charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX and XXXX bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been XXXX  for harassment, tried having me XXXX XXXXand or XXXX  by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.
Dear CFPB representative, On XXXX XXXX, 2016, I tried to withdraw {$800.00} cash from a U.S. Bank ATM ( XXXX : XXXX XXXX XXXX XXXX XXXX, WA XXXX ) using my foreign bank debit card ( XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The ATM initially displayed " Please take your cash '' but no cash came out, and then it displayed something like " There was an fault and the transaction was cancelled ''. However my debit card was debited {$800.00} and a transaction fee of {$3.00} was charged. I talked with the teller of U.S. Bank in XXXX, and they admitted that ATM had been having some problem that day and they have received complaints. They told me to submit a dispute from my local bank ( XXXX ) and wait for one week to see the balance updating on that ATM. I submitted a dispute for the failed transaction on XXXX XXXX, 2016 but today I received following-ups local bank saying the U.S. Bank said the transaction was successful and there was no remaining balance associated with this transaction, indicating U.S. Bank did not want to take the responsibility. I also contacted U.S. Bank ATM services but they refused to help me but insisted on resolving the problem with my local bank. So the situation became an endless loop : I submitted a dispute through my local bank as U.S. Bank told, but then U.S. Bank denied their responsibility. I hope CFPB can help me get my money back. Thank you so so much!!! 

Best regards, XXXX XXXX
We had Internet in our old apartment while I was serving in the United States XXXX. 
As we moved because I was a separating the military we ended our account with our XXXX. 
We went to pay our final bill and we were told we do n't owe anything on the account which means we allegedly had a {$0.00} balance. 
Months later I saw that the XXXX had sent us to collections for the amount of {$62.00}. This is incorrect as we were told we owed nothing on the account.
Mercedes-Benz Financial will not provide a lien release. On XXXX XXXX I purchase a used vehicle from XXXX XXXX that had a lease balance of {$42000.00}. I got a loan from the XXXX XXXX XXXX XXXX for {$30000.00} and paid cash of {$12000.00}. The XXXX made their check payable to me and to XXXX XXXX, and we were instructed to endorse the back and forward it to Mercedes-Benz Financial along with my cashier 's check for {$12000.00}. Mercedes confirms receiving the funds, posting date XXXX XXXX, XXXX. 
My DMV registration is incomplete because I did n't get the lien release from XXXX XXXX Co. I contacted Mercedes-Benz on XXXX XXXX, XXXX, and was told that they did receive the payoff funds but it had not been applied to the Lease payoff, and that XXXX XXXX would receive the release in about a week. Today, XXXX XXXX, Mercedes-Benz Financial Services says that they applied the {$12000.00} check to XXXX XXXX account, but that they will be sending back the {$30000.00} check to XXXX XXXX in 30 days because the payee is n't correct. However, they accepted the funds and have had benefit of them since XXXX XXXX. Needless to say, I have begun making monthly payments on the XXXX XXXX XXXX. loan. Also, If they send the funds back to XXXX Fed now who knows where it will get applied. If it pays off my new auto loan, I may not be able to get a new loan with the same terms. I want Mercedes-Benz to keep the funds that they have acknowledged depositing and release the lien. Currently, this vehicle has a loan and a lease concurrently. Also, if they feel that there was a problem with the check from XXXX XXXX it should not take 90 days to decide this. If I would have know, I could have gone back to the Credit Union and asked them to change the payee.
I was in repayment with Navient over a series of XXXX private loans I have with the lender. I set up a payment schedule and have been paying XXXX a month as agreed by the lender. They continued to take my monthly agreed payments and in the mean time defaulted the loan. They claim to have sent letters however whenever we spoke about payment agreements they always failed to mention that I was in default after 2014 when the loan was offically filed as default. Prior to this they used aggressive collection efforts including calling, my old jobs, family, and person friends. They are a very crooked company that will stalk you with 20 calls a day from multiple location to get money out of you. It 's terrible, I should n't be in default. I was meeting my part of the agreement. This is side of Navient tha deals with private loans. XXXX is there number.