WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my wife and I leased a new XXXX XXXX from XXXX XXXX, XXXX, XXXX. As part of the negotiating process, we were going to be returning a XXXX XXXX XXXX, which was a lease through XXXX XXXX as well as a XXXX XXXX that was leased through a credit union. 

I was assured throughout the process that I would be turning in the two Jeeps and that would be the end of my commitment on those two vehicles and that my new commitment would only be with the XXXX XXXX. I agreed to an " Out the door '' payment of {$2500.00}. That would include a " down payment '' and the first months ' payment on the XXXX XXXX. I signed the papers and we left. I received a check from XXXX for {$1400.00} on XX/XX/XXXX for the remaining payments. 

I reached out to XXXX XXXX in regards to my latest statement as it showed a past due balance today, XX/XX/XXXX. She advised me that its normal as the system needs to " catch up '' however, she advised that I should receive a final bill in the mail including the remaining payments and the disposition fee. I told her that I wasn't aware that there was a disposition fee associated with it as I leased another XXXX vehicle, to which she advised that since I had not leased the vehicle through XXXX, that there would be no credit of the disposition fee. 

I reached out to my salesman who advised that they are not responsible for this fee. I spoke with this person the entire time and at no point in time was I advised that I would need to go back to XXXX to avoid this disposition fee. I was advised that they would be taking back my vehicles. Had I known this would be the case, I would not have agreed to the deal as it was given to me as this is an additional cost to me.
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to XXXX so they no longer report any updates. 
XXXX states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
XXXX states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.
We contacted Barclay Card with XXXX XXXX XXXX over XXXX charges to XXXX with a billing dispute. XXXX never credited the account on their end and then proceeded to charge us twice. When I contacted them to put in a dispute they told me it would be taken care of and not to pay it. About a month and half later I woke up to discover they had put back the charges to XXXX. They advised me that they have no dispute rights because the dispute was not completed properly or entered properly into their system and XXXX sent them documents. I requested those documents on XXXX XXXX and still as of the date of this complaint have received nothing. Repeated calls to them have garnered no help except that they would look into it which they never did. They are refusing correct their representatives error and process the dispute that I requested just telling me that it is a one time deal. 

In addition I submitted a payment to them in XXXX for the amount of interest bearing balance as I have some items on a no interest promotion. They did not apply it to the interest bearing amount instead to the promotion and their response was that they always go to the promotion first. I thought they had to apply this to the most expensive interest portion first. 
Some of the items were never even placed on promotion instead on lower interest rate. They have also refused to correct this.
There is a hard inquiry on my account from Syncb National Credit Cards/Airlines. The inquiry was made on XX/XX/2018. I did not give anyone permission to initiate a credit inquiry. I have not been able to get this resolved. Please help!
On XX/XX/2018, I ordered two items from  XXXX. I used my XXXX Visa card. Imagine my surprise when I received an unrequested XXXX Visa card in the mail today, issued through Chase Bank, in a name I haven't used for over 15 years, with a {$9500.00} credit limit. It is terrifying to think someone could have taken it out of my mailbox without my knowing it. I did not request a credit card, I did not fill out any forms or give any personal information to get a credit card, and I have no idea why they decided to issue me a card or how they got sufficient information to even determine I was eligible. I checked my credit reports and see a hard inquiry dated XX/XX/2018 on my XXXX report, which I also do not appreciate. I called and cancelled the card but I am very concerned about this practice and think XXXX should be taken to task for issuing me an unrequested credit card.
Paypal offers a service of virtual money which is tied to a checking/debit or credit acct to make purchases without leaving your information available to hackers ... They also have a dispute service when dealing with vendors without ethics or deceptive practices ... 

I have used Paypal in dealing with an internet company that has defrauded me of delivery of my purchased items and now refuses to act in a manner complementary to what they claim to offer ... I have filed a dispute regarding a purchase and they have sided with a vendor claiming I have recieved the merchandise ....
I have XXXX accounts that are serviced by Synchrony Bank ( formerly GE Credit ). They are Old Navy, Amazon, and Lowes. Last month I received XXXX separate letters from Synchrony indicating that " sometimes we check the credit of our customers '' and then proceeded to lower my available credit on each card. XXXX weeks after they lowered the credit on the third card I receive a document from Synchrony indicating their " Privacy Policy. '' In the document they tell me that I can limit their sharing of my information about my creditworthiness. The problem is they already shared my information because they handle all three accounts. Is that not deceptive or illegal?
XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.
On or around the end of XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from XXXX that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with XXXX XXXX which was paid in full XX/XX/XXXX, XXXX is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on XXXX letterhead ) XXXX has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of XXXX XXXX I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against XXXX if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX and Experian.
the person who would not identify them self threatened to have me arrested if I did n't pay them the inflated amount they demanded. I asked for a breakdown on how the charges came about and he said that is n't his job, his job is to put me in jail or collect money.
This debt was paid on   X/XX/2016    . We have provided bank records with explicit description of payment to   Central Credit Services-   CHECKCARD  XXXX    CENTRAL CREDIT SERVICES    XXXX  MO, {$420.00}.      Central Credit Services-  specifically,  XXXX   XXXX   ,  Chief Compliance Officer- received our documentation and responded by telling me they could not locate the payment that my bank records show as paid to them. I called in response and  XXXX   XXXX  - c ollections supervisor- told me I must call with a banker online to give them an authorization number. We called multiple times with banker online and the calls were not answered nor were the voice mails returned. I had my banker deploy a 'tracer ' on payment and email results to email address requested by  XXXX   XXXX  . I have heard nothing in response.
On or around XX/XX/2018, I disputed a credit card account with Transunion credit bureau .

On XX/XX/2018, I received a notification that the debt was deleted from my credit file.

On XX/XX/2018, upon a review of my credit report, I find that the debt had been reinserted on my credit file, however, I did not receive any correspondence from Transunion that detailed the debt was being re-inserted and the reason for doing so.

On XX/XX/2018, I contacted a Transunion representative and informed that the debt had been reinserted and that I had not been given notice within 5 days of the re-insertion of the debt. I requested for the item to be removed from my credit file due to the me not receiving statutorily required notice and that it did not belong to me. I was told that a letter had been sent and I requested proof because I did not received anything from Transunion regarding a reinsertion. The representative offered to re-dispute but refused to remove it from my credit file.
I have tried filing disputes concerning personal information listed on my XXXX, XXXX and Transunion credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to XXXX, Transunion and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue
I 've asked this company several times to remove themselves from my Credit Report. Please have them removed from my Credit Report as they 've been leaching on it since XX/XX/2014!!!
I am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent
XXXX XXXX required that I come into the local branch to close my account. They would not stop charging me until I physically came into my branch to close the account in person. I called multiple times and called differnet corporate numbers. It was not possible due to a move. I called my credit card customer service number to request a stop payment on this merchant ( XXXX XXXX ) and all future transactions from them. I have an XXXX Chase XXXX credit card. They told me on XXXX XXXX, XXXX that the request was finalized and i would not be charged further by this merchant on recurring charges. I was again charge in XXXX and now XXXX. I called Chase to complain, and they said there is nothing they can do. When they do a stop payment, it is not guaranteed. It is only a request to the merchants bank to stop the payment. They informed me the only way to guarantee i am not charged by this merchant further is by closing my account.
I had an automated mortgage payment throughout the year of  XXXX , and inexplicably, the payment set for XX/XX/XXXX  did not process. I did not receive notice from the mortgage servicer until it was 30 days past due, severely impacting my previously   XXXX   XXXX  . I have statements from earlier in  XXXX  showing the automated payment was run monthly in the amount of   XXXX  . Upon learning of this, I instantly made a double payment of  XXXX  ( for  XX/XX/XXXX  and  XX/XX/XXXX  ) on  XX/XX/XXXX , and restarted the automated payment for  XX/XX/XXXX .
Interestingly,   XXXX   XXXX   XXXX  , lying, useless member of the Bank of America crime family, pointed out in her reply only that I started the automated payment for  XX/XX/XXXX , refusing to acknowledge that the payment had been automated leading up to  XX/XX/XXXX , despite evidence in prior statements that it was. Interestingly,   XXXX   XXXX    conveniently did not provide the  XX/XX/XXXX  statement, which would have showed the automated payment to be in effect leading up to  XXXX , because it would have been incriminating.
When I pointed this out, she said the online banking history data was unavailable, refused to discuss it further, and said the bank would not change its position regardless, and would not provide evidence of who discontinued my payment ( I received no confirmation of discontinuation and I maintain that I did not make this change ). She kept asking if I had further questions, then refused to answer them when they were posed.
If I discontinued the payment, as they claimed in the past while refusing to provide the evidence, why not provide the evidence to me and shut me up? And if they admit the error and notify the mortgage servicer, I would be satisfied, and it will not affect their license to steal at all. I do n't think anything would affect that!!
If Criminal Bank of America does not have this data, they are violating records retention regulations which I have verified as governing online banking data. The required retention period of 7 years has not expired. She was unfazed and said the case was closed and she would provide no further assistance. She should be fired ( which the crime syndicate obviously wo n't do because she is aiding in covering up their misdeeds ), prohibited from working in the banking industry, and either be subject to banking industry sanctions or criminal prosecution, if applicable.
I implore the CFPB to require to Criminal Bank of America to provide the evidence I have requested, or for the CFPB to either investigate the records retention violations, or refer this matter to the OCC.
This case should be forwarded to a different member of the criminal syndicate.   XXXX   XXXX  , who explicitly refused to address this issue honestly and fairly, has proven herself to be unfit for a compliance position, and probably just about any other form of employment. She must be directly dealt with by regulators, her criminal employer, or both.
DEAR CFPB : This matter is a continuation of the debt in reference to the same collection agency. in the 2 other accounts. I am asking the collection agency not to contact me any longer, to contact my attorney. this matter where already PAID to the collection agency. So please do not call me do not harras me and do not write me any more. Thank you Respectfully yours ...
I have been trying to get a loan from Eloan since XXXX. They said I was approved and I still have n't gotten the loan. The reason why I have n't gotten it because they keep coming up with fees that needs to be paid before they can give it to me.
US Dept. of Education Student Loan : This loan came about through my attendance at XXXX XXXX University in XXXX where I was granted a XXXX, due to the negative experiences there where in my first week my dorm room door was kicked in and my laptop costing over {$2000.00} was stolen, I decided not to return. The University then converted this " XXXX '' into a student loan and have been holding my transcript preventing me from completing my education at this time. I have attempted on several occasions to contact the college without avail. The original issuer of my XXXX when I was inducted in the XXXX with a GPA of XXXX is no longer with the University and no one is honest or has the integrity to check the records and be honest and release my records. I am unable to complete my education now that I am back in XXXX due to this. Please help it would be greatly appreciated. Thank you. 
Kindly, XXXX XXXX
On XX/XX/XXXX and XX/XX/XXXX 2 account were placed on my credit report in the amounts of {$480.00} and {$160.00} and I was unaware of the debt owed and did not authorize the release of information for any prior or current providers and have requested documentation with signatures allowing the release of any information.
I had an auto which Wells Fargo repossed XX/XX/XXXX for late payments. In the year XX/XX/XXXX, I received a XXXX which was to claim income on this debt. 

After two years since then, the amount is remaining on my credit report. 

Is this proper? Can I get it removed as I am trying ever so hard to clean up my credit score.
Portfolio Recovery Associates LLC is threaten to sue me on time-barred debt in XXXX XXXX XXXX, Florida local case number in XXXX. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX filed the complaint without notification of the compliant. This debt occurred between XXXX and XXXX. I never received service of process about the court filing and hearing set for XXXX/XXXX/XXXX. I came aware of this lawsuit and date of hearing by searching the clerk of the court website for some other matter. This is unfair practices by the company and attorney.
My mortgage began to be serviced by Ocwen in XX/XX/XXXX. Before it was transferred it was serviced by AMHSI, American Home Mortgage Servicing, Inc without any problem. When it was transferred it was current and not in default. I received monthly statements and understandable escrow reconciliation statements. When Ocwen took over the problems started. I never received a monthly bill or a payment booklet. If I did not receive an adjusted monthly bill due to an insurance or tax increase I would simply continue paying the same monthly amount. I then would get notices of amounts due with additional late charges. While some of my payments may have been late I know I have made each and every payment and am current. I am sure Ocwen has charges me late fees many times. They often called me or sent threatening letters. Consequently I requested on at least 2 or 3 occasions a list of all charges and payments on my account from the date Ocwen took over my mortgage in XX/XX/XXXX and XX/XX/XXXX of this year ( XX/XX/XXXX ). I was promised this list from the Ocwen representatives on several occasions. If I have such a list I can determine if Ocwen is correct or is mistaken. I have not received this list. Instead on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received a flurry of letters from Ocwen threatening foreclosure. I have not received an escrow reconciliation or bill so I am not sure of the correct monthly amount. I suspect Ocwen is paid a flat fee to service a loan but it can retain all or the greater part of late fees collected from the mortgagor. Thus it may be in Ocwen 's self interest to create all this confusion. I think Ocwen should be forced to send me a complete statement of account from day one and timely escrow reconciliation statements. In addition they should send a monthly bill with a clear explanation of when a late charge is assessed.
I received a random notice 3 days ago from a debt collection agency called XXXX referring to a relationship I had with Circle Financial a year or so ago. They 're stating I owe {$100.00} which I do n't recognize and definitely is n't mine. I want it removed immediately with no impact on my credit.
I mailed two disputes to bank of the west. Im not satisfied with the purchases on my credit card except {$100.00} to XXXX and {$10.00} to XXXX XXXX. They ignored my letter and wont investigate. I didnt make purchases except those two. I thought my husband did because he made me give him a card but i dont know for sure because bank of the west wont give me the credit card slips or videos of when it was used. I want it investigated. They ignored my letter and are still trying to collect. Im supposed to send the letter within 60 days of when i get a statement but i was promised a statement a week ago by the manager of the local branch and im still waiting. I dont have an itemized list of purchases.
I have been getting a call the past year or so from an agency called Pro Collect about a debt for another person who is not me.
Since recently finding out I am a victim of identity theft, I personally went into the bank to change my account number and added an additional password ( for security ), which I witnessed them ( accurately ) typing into the computer. On XXXX XXXX, 2015, I contacted Wells Fargo, via telephone, with a question about my checking account. At the time of said call, I was told my personal password was incorrect and I could not be verified. I immediately went to the bank, waited over XXXX mins to speak with the proper person, who then informed me my password was changed by XXXX letter. I never authorized this change.
I took out a loan for {$50.00} from Check City in XXXX XXXX, NV ( on XXXX & XXXX ) and was suppose to pay it back the week after I took out the loan. But im currently unemployed with no income so Im not able to make the payment just yet. They repeatedly call me every week and leave voicemail from XXXX XXXX XXXX. I also receive phone calls from blocked numbers and when I answer it says " Thanks for calling us back, I 'll transfer you over to one of our debt collectors, '' then a representative from Check City answers.