WillisBack/dataset-financial-user-claim huggingface dataset:
I got a loan for a vehicle with my son as a co-signer. He moved out shortly afterwards so I had no other income other than the petty cash salary I was making. I notified the loan company via letter that I could not make the one lump sum monthly payment and will need to make two payments per month. They have been calling me, family, and friends ( references ), ( 6 ) six times a day, ( 6 ) six days a week since XXXX 2015. I spoke to them and asked them not to use my references to contact me ( some of which is in other states ). They have ignored my request. I told them if they are not satisfied with how they are receiving the payments come get the vehicle otherwise top calling me about late payments every single day, all day when I work overnight shifts. Now I have to turnmy phone completely off to get sleep..
I have asked that nelnet remove XXXX accounts from my transunion report. They are reporting my name incorrectly.
Well I had a car with credit Acceptance during this time I was working but I lost my job. I was n't able to pay for the car no more after the continue threatening phone calls from them I told them I would surrender the car because they gave me that option. Since then credit Acceptance has auction this car off how they going to say I entered in another agreement with them when I did n't have a job to pay them.At the time I stayed in XXXX and the statue of limitations is up and now I 'm in XXXX the statue of  limitations is still up why do they still have this on my credit report when the car has been sold. I want them to remove this off my report ASAP. thanks XXXX XXXX.
I was shocked when I reviewed my credit report and found a late payments on the following dates : XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statements did not get to me.
According to the Fair Credit Reporting Act, consumers have the right to request validation of debts being negatively reported to your credit report. On XX/XX/XXXX, I mailed an initial validation letter to XXXX XXXX XXXX requesting they provide documentation showing proof this account belongs to me. On XX/XX/XXXX, I received a letter stating the debt had been validated, however no documentation was provided showing a contract between XXXX XXXX XXXX and myself bearing my signature. As a result, I sent a follow up letter on XX/XX/XXXX to them requesting for second time, they provide proof or remove account from my credit report. On XX/XX/XXXX, I received the same letter stating the account was correct and had been validated. I have not received any proof or documentation bearing my signature or any legal contract. Therefore, this account has not been validated as required.
Unbeknownst to me Huntington National Bank closed my account on XXXX XXXX 2017. I did not know about this till XXXX XXXX,2017 after I finally managed to get to some human being after placing numerous calls to the bank. The manner in which the account closer was handled had negative repercussions for me. I had a credit card payment scheduled : # 1. XXXX XXXX 2017 ( to XXXX XXXX XXXX {$810.00} ) and noticed that payment was returned and Returned Payment Fee ( {$25.00} ) was applied to my credit card account on XXXX XXXX 2017. I had no idea what was happening as I had more than enough funds in my Huntington Bank account to cover all my bills. # 2. XXXX XXXX 2017 ( to XXXX XXXX {$190.00} ) - Payment has been returned on XXXX XXXX,2017 I also scheduled a money transfer from XXXX XXXX to Huntington for the amount of {$350.00}, It was returned back to XXXX XXXX  and when i inquired what is happening, I was told that Huntington account was " dormant ''. So I thought it was just some kind of a glitch as I used the account regularly and initiated a new transfer fro XXXX XXXX to Huntington for the amount of {$520.00} ( XXXX XXXX2017 ). This transfer has never been credited to my Huntington Bank acct, nor it has not been returned back to XXXX XXXX still. On XXXX XXXX 2017 I was in the branch and made a deposit in amount of {$100.00}. It was accepted and again, no one told me anything. And on XX/XX/XXXX, when I realized that BillPay of my Huntington acct is not working I went to the bank again and withdrew {$810.00} to pay off my XXXX credit card. No issue.. No warnings.. Nothing.. During my visit I was given a phone # ( XXXX ) to call to find out why BillPay is not working. I left a message and nobody called me back. On XXXX XXXX,2017 I finally was able to get a hold of a human and was told that bank decided to close my account. No other clarification was given. So, today on XXXX XXXX,2017 I went to the branch and asked for all money I had in that bank account. It was simply a waste of time. No one at the branch, including the branch manager ( XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) was not able to give me my money. I was told " we have limited responsibilities '', that my account was closed on XXXX XXXX, 2017, it is on hold and basically they can do nothing. And gave me a phone # ( XXXX ). No one has returned my call still.
Lexus nexus is reporting drivers license suspension as of XXXX 2010 upon contacting DMV no such record exists lexis nexus is reporting false info to extort money out of me pls help licensce no is XXXX
On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX XXXX XXXX acquired the mortgage from XXXX XXXX. 

On XX/XX/, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.
Capital One ( XXXX ) called my cell phone and home phone several times since XXXX XXXX, 2016 looking for a relative with a credit card situation. I do not and have not done business with Capital One and want the calls stopped. I consider this to be harassment. My home phone and cell phone are unlisted numbers but Capital One acquired my information. 
Caller name : XXXX
I have contacted Experian over six times since XXXX requesting proof of how a Bankruptcy on my credit report was " verified ''. Each time the company responds that the bankruptcy was verified but never validates the account. I have requested information on when, how and where the account is validated. There latest response dated XX/XX/XXXX is they will not investigate the bankruptcy again. However, I have not requested investigation. I want proof of how it was validated/verified. Experian can not seem to produce that information and have incorrect information showing on my credit report. 

I have yet to get it per FCRA Section 611 Experian has violated my rights. 

This is reason enough to sue for willful non-compliance under section FCRA 616.
This company called my grandmother ( who lives in XXXX XXXX ) regarding my debt and told her that there was legal action against me. they would not disclose their name to her. When I called the number back ( XXXX ) to ask them to not contact her, they told me that they are called Niagra Capital and that they have a legal case against me. they would not disclose the original debt or why they are calling me r my grandmother, who has no connection to my finances.
My husband noticed a fraudent charge on my credit card bill while I was overseas. The amount was {$1200.00}.

After contacting the credit card they refused to dispute the fraudent transaction and will not credit me back.
XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$450.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$XXXX} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes this account information I paid the OC XXXX in XXXX XXXX, XXXX. By law, XXXX must recall the account from Convergent and they have no legal reason to report on your credit reports and must delete.
I sold my house in XXXX, and realized that a debt that I had paid off years ago was still listed as a lien on my home. The title company is holding money until a release is issued in a recordable form. 

My attorney at XXXX XXXX has called repeatedly and is always told that it has been filed, will be filed, will be sent to them, and it has not been taken care of. 

Today they attempted to speak to a supervisor and was given a non-attorney XXXX XXXX who hung up on the attorneys office after she attempted to explain we have been getting the run around for months. 

The title company is holding {$12000.00} of my money for a debt that was paid off years ago. ( Blitt and Gaines Admits that it was paid off )
Was sent new unsolicited cc by barclays and they cancelled my cards because they said they sent me new unsolicited upgraded cc and i never activated the new one. THEN THEY SAID I ACTIVATED THE NEW ONE AND USED THE OLD ONE BY MISTAKE. NOT POSSIBLE I CUT UP OLD CARDS WHEN NEW CARDS COME IN.
I applied for private student loans through Wells Fargo. Throughout the years I have accumulated over 100,000 in student loan debt. My parents were co-signers on all of these loans. My parents have a combined income of XXXX. My dad 's credit score is XXXX  and my mom 's is XXXX. Recently, I applied to refinance my student loans because my current monthly repayment plan is {$1200.00}. Wells Fargo denied my application to refinance, even with my parents as co-signers. My parents ' income and credit score has not decreased since my initial application to obtain all of my student loans. Why did Wells Fargo deny my application to refinance in order to obtain a reduced monthly payment plan when my parents ' credit score has not decreased from XXXX and XXXX? My parents and I are XXXX and I believe that Wells Fargo is trying to take advantage of that. This company is notorious for scamming their consumers and I really want to fight the denial to refinance my student loans.
In XXXX of XXXX, I ordered my credit reports as part of my annual routine to monitor my credit. I noticed an account on all three reports that I did not recognize, and disputed them via their respective web sites. I received a letter from Portfolio Recovery Associates on XXXX XXXX, XXXX in which they allege that I owe them this debt. I replied with a letter on XXXX XXXX, XXXX disputing this account and outlining their noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and 23 NYCRR 1.4 ( c ). They continued reporting this account to the three agencies and called me over a dozen times even though this account was in dispute. They replied with a letter on XXXX XXXX, XXXX in which they still did not prove that they are legally able to collect this debt. I sent them another letter on XXXX XXXX, XXXX outlining their violations of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and XXXX NYCRR XXXX ( c ) and their willful noncompliance with these laws. They sent me a letter on XXXX XXXX, XXXX in which they continued to claim they can legally collect on this debt without providing me any new information or documentation. In XXXX of XXXX, I filed a complaint with the Better Business Bureau against XXXX. Despite various communications from the BBB, XXXX has yet to remove this item from my credit reports, or to provide any believable evidence that they have the legal right to collect this debt. 
XXXX then sent documents to the BBB that they claim were sent to me, but these documents were never sent to me, and contained time stamps proving that they were just printed previously to being sent to the BBB. They intentionally tried to deceive the BBB by misrepresenting the timeline of these documents, as well as made false statements to the BBB about these documents being sent to me.
My HSA account was transferred from XXXX when HSA Bank acquired those assets. The investment portion of the account was moved into a mutual fund company ( XXXX ) [ no input from me ]. Once I became aware of this I explained I do not want any money to be there, ever. HSA bank moved the money to the cash portion. Ok so far. Then the funds were moved back against my instructions to the investment account. Once I became aware of this, the value of the holdings had declined due to market changes. I brought this to the attending of ( many ) people at HSA bank, and for more than 2 months they have been " researching it '' to no avail ( for me ). There is n't a huge amount of money in dispute here, but I am most concerned about a bank ( any bank ) not obeying their customers ' instructions. As I believe this is a custodian type of account, I am concerned about a potential breach of the custodial arrangement. In addition, the customer service of HSA bank has simply been horrible. The agents on the phone are quite nice, but seemingly incapable of enacting any necessary steps to fix problems.
The office of Richard Sokloff sued me without the proper notification. I have n't lived at my old address since 2013. I have my new lease from my new place to prove this. Before they sued me a rep there threatens me that they were going to get a judgment although I was n't at judgment stage. ... They now have a judgment illegally.
Quite some weeks ago I filed concurrent complaints with the CFPB, XXXX, XXXX, XXXX   and LexisNexis about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - XXXX, XXXX, XXXX and LexisNexis each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.
XX/XX/2018 checking my credit report I see Equifax Removed XXXX points from my score for opening an account XXXX only XXXX with more changes on my report I feel Equifax is doing this to get back at me for the ongoing dispute I have with them .I never heard of that many points takin for opening a account
Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA XXXX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX XXXX XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX
On XXXX XXXX, XXXX I came to your dealership to test drive a XXXX XXXX. I had no intentions on buying a vehicle but I did eventually buy a XXXX XXXX XXXX. My sales person was XXXX XXXX XXXX XXXX, XXXX. I specifically told XXXX XXXX if their ( XXXX XXXX XXXX XXXX ) could not finance the vehicle for me, then I will not pursue getting the vehicle and do n't run my credit with any other financial institutions because that will drop my credit score. Because I did not authorize these inquiries I ask Equifax , XXXX and XXXX to remove them and I was told to contact XXXX XXXX XXXX and have get in touch with them to remove those inquiries. So, I wrote a certified letter to XXXX XXXX XXXX asking them to have those inquiries removed and I have n't heard from them and the inquiries are still impacting my credit score.
XXXX XXXX XXXX is continually attempting to collect a debt for a man named XXXX XXXX ( not sure how to spell his last name ). 

I have been receiving phone calls for well over 2 years regarding his debt. I have spoken to this company approx 50 % of all calls made to me and i have repeatedly told them that i do not know who this man is, i am not associated with him ; i have even gone as far as speak to a supervisor and gave them MY information. 

I have heard every excuse for a solution " we will remove your phone number '' " oh the phone number you are giving me is not on his account '' .... how else am i being contacted then? 

I have full access through their automated system to this man 's personal financial information, and as i have advised this company on numerous occasions, is illegal for me to access, but they are continuing to give me access. 

When phone calls are made, i try to use the auto system to say i am not this man. i still receive phone calls. If i go through the system to speak to a representative, i have full access to this man 's debt information. 

I have contacted them directly, and nothing is being done about this matter.
I rented a car from XXXX and they asked me for a credit card ( Capital One Card ) to place a " hold '' on until I returned the car. At the time of return, I had been told I could pay in cash but they ( XXXX ) said they would not accept cash so I gave them a different card ( XXXX XXXX ) because the amount was over my limit on the Capitol One card. I advised the merchant not to charge my Capitol One card and the representative agreed. I left the car rental company thinking everything was taking care of until I checked on my Capital One card and it had been charged for the car rental and was well over my limit which I did not agreed to and I did not authorize. I disputed the charges.
Capital One is in violation of the Fair Credit Reporting Act because they are reporting inaccurate information on my credit report that they said they verified as accurate after my first CFPB complaint, no XXXX. On XX/XX/XXXX, XXXX XXXX said that he verified my credit report was being reported as 30 days past due for XX/XX/XXXX. Well I just looked at my credit report again and it shows that I was 30 days past due in XX/XX/XXXX on XXXX and 30 days past due in XX/XX/XXXX. And XXXX is n't even reporting the account. I know for a fact that I was not late in XX/XX/XXXX and XXXX XXXX even confirmed that I was late in XX/XX/XXXX and said he could n't modify the late payment. Well now that inaccurate information is being reported after you verified it as accurate, I am entitled to {$1000.00} per the Fair Credit Reporting Act and even more if I were to hire an FCRA attorney to help me. Now the last thing I want to do is keep dragging this out any more than we have to. Clearly when I made my payment I was not aware that it was returned and made my payment right away. But the fact that you are reporting me late in two months is not right. I attached a copy of my credit report which shows how Capital One is being reported so you can see I am not lying.
Previous Complaint # XXXX It is very unfortunate that Toyota Financial Services ( TFS ) is in such disastrous shape. Per my previous complaint stated above, I made a payment on XX/XX/XXXX and TFS CASHED IT. I have the copy of the cashed check and TFS has the copy of the CASHED CHECK. And my bank account is proof of payment made and cashed. 

Now, TFS is claiming that the check was returned unpaid. That is NOT TRUE BECAUSE I HAD ENOUGH FUNDS TO MAKE THAT PAYMENT AND MY BANK ACCOUNT SHOWS THE FUNDS WERE CASHED BY TFS on XX/XX/XXXX, and there is SOMETHING CALLED PROOF OF PAYMENT - the CASHED CHECK with TFS endorsement. 

I am sick and tired of wasting my valuable time on this company engaged in unlawful business practices and consumer harassment. How was the payment returned unpaid if the money is not in my account and the check is CASHED BY TFS? THERE IS AFTER ALL PROOF OF PAYMENT. In their response to my CFPB complaint TFS provided a phone number to call, but alas, when I called that number, the same transfer game began again ; the right hand doesn't know what the left hand is doing. No one knows anything, and I was eventually transferred to XXXX XXXX. 

In order to put an end to this, I made yet another payment to XXXX XXXX, XXXX ( the collection agency TFS transferred my account to ). On XX/XX/XXXX, at XXXX I spoke to XXXX XXXX in XXXX XXXX XXXX and made yet another payment towards my XXXX account # XXXX of {$970.00} ( this is a DUPLICATE PAYMENT, please note that ). XXXX XXXX advised that he would notify TFS immediately and send me a letter in the mail within 15 days stating that the account is paid in full and closed satisfactorily. He also stated that XXXX did not report negative information on our credits but TFS did. 

Now, today, XX/XX/XXXX, I received a phone call from agitated co-signer of my TFS account # XXXX, XXXX XXXX XXXX who told me that once again TFS had reported a negative late charge in his otherwise spotless credit report. TFS did the same to me, once again. In their response TFS stated that if I didn't make a payment again within 10 days, they would report negative information with credit bureaus. I paid immediately, and here we go again. It hasn't been more than a day, and they reported it again ... 

This is TOTALLY UNACCEPTABLE. Toyota Financial Services is involved in UNFAIR BUSINESS PRACTICES AND is abusing its customers like me and my co-signer. 

They double charged me after all and still reported negative information. 
I demand a response immediately. I will not call them again because they are unaware of anything. 

I can not wait till my lease is over so I do not have to deal with this horrible business again. This is the last Toyota vehicle I am driving. I WILL NEVER LEASE OR PURCHASE TOYOTA AGAIN.
On  XXXX   XXXX  I logged into  XXXX   XXXX  and it showed I had an account in collections. It showed   XXXX     XXXX   XXXX   XXXX  sent my account to a collection company with a total owed of {$140.00}. I never ever received a bill or other written notice about money owed to them. On  XXXX   XXXX , I sent an email to  XXXX  XXXX  XXXX  telling them I never received a bill for services rendered and demanded that my account be removed from collections. I still have not received a response from them. It seems that they " parked '' my debt on my credit report because they did not want to pursue this matter in an ethical way.