WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I recently purchased a used XXXX Hyundau XG form my car mechanic. When I received the title form NY state there was a lien from Hundai Motor Finance, XXXX XXXX, XXXX, GA XXXX. I have also contacted XXXX. I do not know of the prior owner or who held the loan. According to NY DMV, I would need to obtain a " lein release '' or 'Letter of no interest ''. I have requested this in writing and via phone to no avail. They keep telling me it has to come from the owner. I have no contact with the owner nor do I know who they are or where to contact them. There should be accountability upon the finance company to supply a lien release to the last known state where the car is titled. There should also be clear instructions on how to obtain " lien release '' provided to a consumer of a purchased used car. I am now sending another letter to this company to get this required documentation because apparently the address listed on the title is incorrect for Hyundai Motor Finance.
I have this collection on my credit report from XXXX despite never having used their services. I disputed the debt through XXXX but the company verified it even though it cant possible be my account money is owed on. 
Account Name ERC XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX
My Wells Fargo atm card was lost and fraud charges incurred. I spoke with Wells Fargo bank and disputed the charges via phone and submitted a letter to them for unauthorized charges. Wells Fargo did not take the matter seriously and said I used my PIN number for the charges and declined my claim. I never used any PIN number nor I know what my PIN number is? 
All fraud charges incurred without PIN numbers nor any signatures on sales receipts. Wells Fargo bank and their claims department is not truthful of their investigation. At this time Wells Fargo has not done anything to reconsider their decision and collect back my funds.
I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.
I signed up for a Chase Sapphire Preferred card on XX/XX/XXXX using a link directly on their website ( below ) : https : //creditcards.chase.comXXXX This offer was to include a waived annual fee for the first year, just as it currently shows on the site ( as of XX/XX/XXXX ) and just as it did when I signed up on XX/XX/XXXX. I even called a customer representative on XX/XX/XXXX at the same time as my signup to confirm that this offer had no fee ( as opposed to the XXXX free point offer, which did have a fee ), although Chase says there's no record of that discussion. 

On XX/XX/XXXX I noticed that the {$95.00} fee had posted to my account, which surprised me. I called and Emailed Chase several times and got the same response that the " promo code '' associated with my sign-up did not include a Waived fee, even though I'm 100 % positive that a waived fee was involved with the offer. They said there was nothing I could do without proof of the offer, and I was frankly quite surprised that they weren't willing to work with a new customer on this matter when the offer was clearly still being promoted on the site. 

The problem with this situation is I have no way of checking this promo code and didn't get any specific documentation about ANY part of the offer that I signed up for outside of what I found on the website initially. So I have no way to defend myself beyond my insistence that the fee should be waived because of what I saw when I signed up. I feel as though there was significant promotional deception with lack of proper communication or documentation about it. I am able to find this same XXXX free Point + waived fee offer ALL OVER Chase 's site and it's partner sites, and all appearances point to the fact that this offer has been available for months ( well before XX/XX/XXXX ). 

Chase has repeatedly insisted that " offers change all the time '' and that " it wasn't available when I signed up '' and that there's nothing they can do, and that just leaves me sitting hear feeling deceived and ripped off by a fee that I was completely uninformed about. Very frustrating customer experience to say the least, and one that feels like it would be easy to fix on their side.
Asked for Loan Modification, Failed to give me the option to reapply for consideration and or other options in a timely manner. Failed to explore other opinions as short sale or deed in lieu of foreclosure
Equifax has not sent me back results of this for XXXX months, I attached the dispute pending that has been that status for XXXX months, they are doing nothing
After sending information to verify myself with my disputes, Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized
XXXX account on my EQUIFAX credit report should have. Been removed it 's been seven years now since I returned the vehicle back to XXXX I returned the vehicle back into XXXX on XXXX 2009 and XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be XXXX months delinquent so my first delinquency would be in XXXX of 2009 and if I was XXXX months behind on a car lease XXXX would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because XXXX is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to EQUIFAX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into XXXX or it would be seven years from my first delinquency
I have been charged over {$600.00} in overdraft fees the past few months because of the way TD Bank illegally reorders transactions to their benefit.
I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is ( XXXX ) XXXX and all those other numbers, either do not belong to me, or are outdated.
Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX. XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX. XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was on XX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX was the co-signer on the loan, XXXX. XXXX advised me that she spoke to my Sister n ' Law XXXX Hill whom is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX. XXXX advised her of my loan information, she stated that XXXX. XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX. XXXX from XXXX . While speaking to XXXX. XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan. 

I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information. 

Please help with this situation. 

Thank you, XXXX XXXX XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - XXXX XXXX ( 4 months ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements, but I also know that my bank had internal issues where I finally had to completely changed the bank. Again, my only thought is that my monthly statement did not get to me, or that internal bank error that caused the money not to be automatically sent to you.
My house was foreclosed on a XX/XX/2018 and there was a bankruptcy filing that discharged the debt owed on the second mortgage in which XXXX XXXX is claiming. On multiple complaints I've requested for a simple letter from XXXX XXXX XXXX XXXX XXXX to relieve me of the debt that is no longer owed, but yet again it appears that they want to resell the discharged debt to another collector and creating more distressful life for us.
XXXX has a recent 30 day late on on my credit report. XXXX sold my account and XXXX other agencies are currently attempting to collect for this debt ( XXXX, XXXX, XXXX XXXX ). I started a dispute with them and now they have placed a 30 day late on my account again ( THIS NEEDS TO BE REMOVED IMMEDIATELY ). This account was closed on XX/XX/2014, how can there be a 30 day late. I need this to be removed immediately. This is not fair practices ... I also need to see where they still own the debt or XXXX needs to report a {$0.00} balance. Tell me who owns this debt or remove it off the credit report all together ...
I took out a XXXX loan in XXXX as part of my student loan packageto attend XXXX school. Following completion XXXX, the great recession hit and I struggled to find work and eventually landed a job that required me to take a pay cut from my previous career XXXX. 

I fell behind in my payments and my loan fell into default. 

After a few years of struggle and penny pinching, I successfully rehabilitated my student loans ( and paid off $ XXXX in credit card debt ). 

For some reason, this loan was ineligible to be rehabilitated. The University sold this loan to an agency who then sold it to a collections firm. Since XXXX, the collections firm has filed suit against me to demand payment on the loan. I have sent payments over the years but the collection agency refused to issue me anything in writing. I consolidated my federal loans in XXXX of this year and put to include this XXXX loan in the consolidation. At this same time, the collection firm stopped auto withdrawls from my bank account. 

Without ANY notice, emails or letters, the firm seized my bank account claiming I had not made payments. Apparently, after they filed suit on me in XXXX ( to which I responded by setting up a payment arrangement ), THEY went to court and did not tell the judge about the payment arrangement ( they told me I did not need to go to court ) and a default judgement was entered against me. 

When I recently went to remove the bank lien. The law firm/ collection agency agreed, in front of the judge, under oath, to set up a payment arrangement. 

WHen I called a few days later to begin setting up the payments, I was told that they would not set up a payment plan and demanded the money in full. I do not have that kind of money so I asked them what payment plan would be accaptable and they requested an amount that was over 30 % of my take home pay. I asked them to work with me and they refused -- telling me to go borrow money from friends or get a bank loan. 
I filed a complaint with my XXXX and within 24 hours, the firm ( using the XXXX judgement ) sent a letter to my employer demanding garnishment of my wages. 

The firm, on several occasions, lied to the judge about their communications with me and refused to work with me. I do n't understand why this Federal loan was excluded from my right to rehabilitate in the first place.
I am writing this letter to dispute inaccurate information reported to the credit bureau and fraudulent charges on my credit report. The following creditor and accounts are in dispute : 1. Creditor Name : Synchrony Bank Account number : XXXX Account number : XXXX I have charges and a new credit account on my credit report that I did not authorize. This violates my rights under the Fair Credit Reporting Act. I did not visit, apply, co-sign or authorize any debt related to a purchase at XXXX XXXX on XX/XX/XXXX. The signature on the credit application and the sales receipt is for another individual, named XXXX XXXX. I did not visit or shop at XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX and I did not benefit from any transactions which took place on this date. XXXX XXXX visited XXXX XXXX and applied for new credit to purchase jewelry. The store fraudulently used an old Synchrony credit account ( i.e. account # XXXX ) opened in XX/XX/XXXX, despite the fact that this was a new credit application, signed solely by XXXX XXXX on XX/XX/XXXX. XXXX XXXX fraudulently applied new charges in the amount of {$2300.00} to an old joint account, established in XX/XX/XXXX. This if fraudulent because XXXX XXXX did not use the credit card attached to the old joint account ( i.e. account # XXXX ), hence the reason he applied for new credit onXX/XX/XXXX. I disputed this transaction in XX/XX/XXXX and then Synchrony Bank transferred the charges to a new credit account ( i.e. account # XXXX ) in XX/XX/XXXX and mailed new credit cards. I never applied for credit with Synchrony Bank to warrant receiving these new credit cards inXX/XX/XXXX and request that it be removed from my credit report. I have also written letters to all XXXX credit bureaus and the Consumer Financial Protection Bureau.
GLA is constantly breaking the law in attempt to collect debt. They are illegally obtained my medical notes, and XXXX XXXX illegally released medical notes without my consent. I sent numerous certified letters asking for GLA to contact me in which no one has. 

No agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY was sent to me. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX/XXXX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX/XXXX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX, XXXX. 


Nothing that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization was sent to me.

I requested that GLA cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. In which they never replied and I know they received my disputes as it was sent certified mail. 



In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kentucky medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.
XXXX is still showing on your credit report stating that there is a balance of {$940.00} on XXXX/XXXX/XXXX i sent a letter requesting validation but received a return letter on XXXX/XXXX/XXXX stating that they sold to another company, XXXX XXXX XXXX on XXXX/XXXX/XXXX this account should not be on your report and I want it removed. Immediately. I have since sent another letter on XXXX/XXXX/XXXX to XXXX, still listed on my credit file and XXXX XXXX onXXXX with no response.
Chase bank closed my XXXX card account after I had been a cardholder with them since XX/XX/XXXX-XX/XX/XXXX. I had informed a customer service representative that I would pay XXXX of my XXXX balance on XX/XX/XXXX. The card was closed on XX/XX/XXXX. 

I ran into a financial difficulty in moving from XXXX to XXXX and this caused a delay in getting my monthly bill made. Prior to that I had been a customer in good standing with Chase and loved using my XXXX Card for points for stays at XXXX all over the world. 

I spoke with a representative and then received an email from a rep stating that once a card has been closed, it can not be reestablished. This is a poor reflection on my credit.
I have many debts on my report that are my uncles that has the same name as mine.
Discover Card contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had Discover Card showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.
Claim no : XXXX Account no : XXXX Purchase dates : XXXX {$820.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$880.00} XXXX XXXX XXXX
In XX/XX/XXXX I found a website called XXXX charged me {$150.00} on XX/XX/XXXX and another {$150.00} on XX/XX/XXXX, but I have never purchased any product or service on that website. So I called BOA to dispute both two transactions. BOA issued me {$310.00} credit in total and told me they will investigate on that. However, on XX/XX/XXXX, they rejected my fraud claim and took back the {$310.00}. I called their fraud department and asked them to show me the evidence that I've received anything from that website. They couldn't so they reopened my claim and started reinvestigation. But, On XX/XX/XXXX, I received a letter said their decision hasn't changed and there is nothing they can do.
Received a Voicemail last week that I had been sent a new debit card in late XX/XX/XXXX, and that I needed to activate it before tomorrow. I never received the debit card so I called in to get it resent, and found out for the first time that my original card 's information had been compromised, prompting the change in cards. 

WF 's Customer Service Representative proceeds to explain that they do not let customers know when their information has been compromised, opting instead to just replace the debit card. Essentially, it's on you to call them and see if your information has been compromised. As a result, my debit card information has been compromised as early as XX/XX/XXXX with no notification of that fact from Wells Fargo whatsoever. 

I recorded my call with the 2nd customer service rep at Wells Fargo. Realized early that there wasn't anything I could do, but wanted to get answers as to what WF 's  policy was moving forward. Call is linked here : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Aren't banks required to let you know if they've been made aware of a breach of your information? I just feel like that's absolutely crazy. I pay attention to my account, and all transactions, but I still feel like the bank should have to tell you when your card number is sitting on some bad actor 's hard drive somewhere.
MY IDENTITY WAS STOLEN WHEN MY WALLET WAS TAKEN. SOMEONE RECEIVED A LOAN IN MY NAME WITHOUT MY KNOWLEDGE
I requested validation of a public record on my account which Equifax, XXXX and XXXX all sent me a letter stating they received information from a 3rd party stating that the 3rd party verified it I contacted the 3rd party which is XXXX XXXX and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the XXXX XXXX XXXX verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!
I received a call from an online store called The XXXX XXXX, asking me to confirm my purchase. I told them it was not mine, yet they had all of my credit card information. They canceled the order, confirmation # XXXX for {$490.00}. They have an email address ( not mine ) and an alternate address in California for the items to be shipped to. They said that information could only be obtained by law enforcement via their fax. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report also # XXXX with. XXXX XXXX, XXXX XXXX XXXX XXXX. I XXXX. I also contacted my bank, Chase Bank, who issued the " XXXX Chase Credit Card '' which I also kept on file at XXXX. I also notified them as well.
I have a walmart Credit Card. In XXXX I noticed online fraud charges. I contacted walmart and told them about it. They told me they would be closing my account and reissuing a card. Before that though I sent a payment in total of XXXX dollars to cover my monthly minimum seeing as i did not know when new card would come at the suggestion of rep. I finally get new card activate it today and see that walmart is claiming i didnt pay XXXX minimum. which they combined with XXXX and XXXX late charges. They are trying to charge me XXXX dollars when rep suggested I make the payment on the day I did. I called them and asked them to listen to recorded call and they refused to help with the situation.