WillisBack/dataset-financial-user-claim huggingface dataset:
Accounts have been separated multiple times, i am a XXXX and my social security number and name keeps getting merged with my XXXX sibling whos name is very similar to mine, our social security numbers are very close as well. I can not access anything and the credit reporting agencies think i do not exist.
I had a XXXX XXXX Student Loan for years then it went to Navient. I have been paying on this load ( {$20000.00} ) since 2006 and my balance has only gone down by {$2000.00}. The loan amount is always different every month and the balance just never seems to move.
Navient continues to report a parent plus loan on my credit report, sends me repeated emails, which I 've asked them to stop and asked the credit bureaus to correct. They have acknowledged my bankruptcy filing on XXXX/XXXX/2013 and discharge order dated XXXX XXXX, 2013. Because they are continuing to report a balance and have ignored the courts discharge order, I still have a very low credit score and can not obtain new credit over three years after the discharge. The loan is was never categorized as a student loan nor is this particular loan subject to bankruptcy protection.
I stopped payment on a check that I did not present XXXX. The drivers license number or birth date or signature are not mine on the check. Have contacted Trident Asset Management numerous times they are very rude and wo n't listen to me. They reported this stop payment check XXXX and the refuse to delete it.
I have autopay set up on my XXXX XXXX Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my XXXX XXXX autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails XXXX ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call XXXX XXXX  and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing fraud I immediately login into XXXX to find that the XXXX account was showing 30 days late on two consecutive months. Either way, I call XXXX XXXX to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call the consumerfinance.gov number,  the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the XXXX XXXX statement showing where the late charge had been credited. Thank you
My daughter wants to return her vehicle 7 months early and payoff the remaining payments on her lease. XXXX is now telling us that we could be responsible for the difference between what they can sell the car for at auction and what the residual value is. Therefore, I will be at their mercy and could wind up with a bill of {$5000.00} or more. We are totally at the their mercy. I have turned in leased cars before and have never experienced anything like this. They have absolutely nothing to lose. Sell the car for {$5000.00} and stick the consumer with the difference. I do not know how this practice is actually legal. I want all consumers to be aware of dealing with VW and what you can possibly be up against.
I AM SUBMITTING THIS COMPLAINT TODAY AGAINST THE SPRINGLEAF FINANCIAL SERVICES COLLECTION AGENCY. 

My account # - XXXX 1 ). SPRINGLEAF financial services collection agency threatened me today, XXXX XXXX, 2016 at approximately XXXX XXXX for past due loan repayment in the amount of {$160.00}. 

2 ). SPRINGLEAF FINANCIAL SERVICES HAVE CONSTANTLY HARASSED ME FOR A DEBT OWED TO THEM IN THE AMOUNT OF {$160.00} for 1 month payment past due. They have been excessively calling me XXXX - 6 times a day. And, sending me numerous letters and emails for just 1 month past due payment in the amount of {$160.00} 3 ). I attempted to contact SPRINGLEAF FINANCIAL COLLECTION DEPARTMENT TODAY BECAUSE I COULD NOT TAKE THE HARASSMENT AND THREATS ANY LONGER. 

But nothing was resolved because SPRINGLEAF REFUSE TO DO A DEFERMENT, PROMISE TO PAY OR EVEN TRY TO BE A LITTLE COMPROMISING DUE TO MY CURRENT FINANCIAL HARDSHIP SITUATION AS I HAVE REPEATEDLY INFORMED THEM OVER AND OVER AGAIN. 

THEY ARE VIOLATING SO MANY CONSUMER PROTECTION LAWS AND SHOULD BE FINED AND STOPPED. 

Sincerely, XXXX XXXX XXXX
Reciever did n't Get the Money on the Printed Date, not even y et.
I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or OneMain. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.
I received a letter on XX/XX/XXXX attempting to collect on a debt from XXXX. That same day, I went to the company 's website, specifically their 'contact us ' form and used the email : XXXX to explain that the debt was not valid and to stop contacting me, etc. However, their email address was no good and the email bounced so I used the 'contact us ' form on the same page to re-send my statement. Today, XX/XX/XXXX, I have received a further letter from XXXX saying that they have not received a written request asking to validate the debt and as such, they may now presume the debt is owed and undisputed. This clearly is not the case as I have now sent a further email, which again bounced, and another email using their online form. I attach below the emails sent as well as the email failure notification. Sorry, we were unable to deliver your message to the following address. 

<XXXX> : XXXX : XXXX [ XXXX ] : Recipient address rejected : Access denied [ XXXX ] -- - Below this line is a copy of the message. 

This debt is not valid. See the message below from XX/XX/XXXX. I  requested to cease communication with Arstrat and have received a letter today, XX/XX/XXXX, saying that I did not send a written request asking us to validate the debt. I already advised that the debt was invalid on XX/XX/XXXX. 
-- -- - Forwarded Message -- -- - From : XXXX XXXX <XXXX>To : " XXXX '' <XXXX>Sent : Saturday, XX/XX/XXXX, XXXX XXXX   EDTSubject : Debt Validity Dispute WID : XXXX I have received a letter in the mail today, XX/XX/XXXX insisting that I owe XXXX XXXX {$91.00} under account number XXXX with a service date of XX/XX/XXXX. I am disputing the validity of this debt totally. It is invalid as I provided my insurance information to XXXX XXXX at the time of service. I was required to have some XXXX work done by my doctor during my XXXX XXXX. I suggest XXXX XXXX request payment from XXXX XXXX XXXX, my insurance company. My ID with them is XXXX. Their phone number is XXXX. I have already provided XXXX with this information on two separate occasions with no communication following except for this letter now received from XXXX. I now request to cease communication with XXXX as is my right.
I have a Regular checking account with Bank of America since the late XXXX 's. I 'm not an XXXX XXXX so I used to use it when I travel to the XXXX. Since XX/XX/XXXX I stopped using the account and left a balance. The bank inactivated my account so I could n't withdraw money any more, nor received further bank statements or access online to review my statement. 
I tried to activate it in XX/XX/XXXX, and now they have activated it, they sent me a statement and charged {$14.00} dollars as a monthly maintenance fee and noticed they have done so for the last 12 months now that the account is active. 
So I called them and asked them why they have charged me for twelve months of maintenance fee over an account they inactivated and they said that they can not return those charges because the account was opened. It sounds unfair to me that they inactivated an account, stopped sending me statements, blocked my internet access and now that I reached them to see what happened to my account they take advantage there is a balance in the account and charge directly 12 months of fees of a service they did n't provide. There was no straight answer to that but any way they argued they can charge it because the Regular checking contract says so. If so, why then they blocked my account? What about their part of the contract about having the account open for me all these years?
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I.C. System INC. put a collection of {$610.00} on my credit report from XXXX XXXX XXXX XXXX. I dispute this debt to the fullest.
First of all I was told by the police I should go to the hospital which they suggested upon seeing my condition. I was badly beaten and robbed. I was treated at the hospital as a crime victim they took my police report incident no and everything. When discharged I was told to go to a different hospital within a week to have a check up for my ear and to come back to the hospital to do some paper work for crime victim. I went to the hospital and completed and provided all the paper work needed. 

When debt collection company kept calling me I kept telling them what happened and they never told me I could dispute it but asked me to send them my insurance which I wasnt liable for or asked me to call crime victim compensation, upon calling them they werent of any help whatsoever. 

Debt collection kept calling me but never mentioned I can dispute it every time I will explain them my situation. Once I knew I can file dispute I asked them to do a dispute representative told me okay and it will be resolved within 30 days. Months pass and today I get a call again regarding the same collection as if its their first time calling me. 

This is having a bad impact on my credit score and I am not being able to improve it due to this collection
account updated after request, but failed to remove : Dispute and Reinvestigation. These need to be removed due to the fact that XXXX will not approve a mortgage loan with pending disputes or investigations. I have requested this is of Ocwen, but no proof that they are willing to update account since mortgage loan was sold to XXXX.
American Honda Finance is incorrectly reporting a 30 day late payment on my credit report for XXXX XXXX. I have a credit report dated XXXX XXXX XXXX that did n't report a late for XXXX, but showed a late in XXXX XXXX, also in error. Also attached is a report from this account from XXXX directly that shows XXXX in XXXX. 
We notified Honda, and they updated XXXX to reflect as paid as agreed and removed the late, but at that time they THEN reported XXXX as a 30 day late, as shown on my credit report dated XXXX XXXX XXXX. There should be no lates shown since XXXX XXXX. I have tried at great length to have Honda correct it but they refuse. I am attempting to buy a home and a new car, and this error is having a significant impact on my ability to qualify and the cost of credit with interest rates. Honda had system problems that were causing payments to not be posted or processed correctly, and they even had an announcement on their website, and their phone system informed people of the problem when you called in as well. ( and we have a photo of their website showing that announcement ) We also have all the proof that shows when the payments were made ( not 30 days late! ) I spoke to XXXX in XXXX at Honda financial together with my mortgage broker, on XXXX XXXX XXXX, with no success. At our request, she transferred us to leave a voice mail for her supervisor, XXXX, which we did. 
Thank you for your assistance.
XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX   XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX   
Original Creditor: XXXX-XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX  
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX   #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX   (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.
I have XXXX accounts that were included in a bankruptcy and it was discharged in XXXX 2015. Transworld or TSI/XXXX as it shows on my credit report is still showing these accounts as open collections with remarks of Chapter XXXX Bankruptcy next to them.
Constantly calling my house about a debt I DO NOT OWE. I am NOT responsible for anyone else 's debt. Repeatedly have contacted them on their website to tell them this, yet the calls keep coming.
I have attempted to log on wells fargo to make a credit card payment since XXXX 2016. The reps continue to tell me they can not help me to access online banking even after I provide numerous security and personal information. When asking for contact information to manager he stated he was the highest level supervisors present, I clarified I wanted to speak with his manager who he reports to, he said he was not available and provided me only a name and no contact information. XXXX then asked me a series of questions, I spent XXXX minute with a supervisor, XXXX from the XXXX call center, who would not provide an id number. He had me provide XXXX of my last payments, social, old and new phone number. They state I must have my credit card number, expiration and XXXX digit code to proceed and to call wells fargo back when i have it. XXXX did offer to send me to other departments for to attempt to make the payment. After XXXX minutes XXXX transferred me to credit card services. He stated there may be a longer wait time, I asked XXXX to wait on the line so I was not disconnected, XXXX hung up, transferred me to XXXX who was unsure why I was calling. XXXX provided my minimum due and payoff amounts. I spent over an hour on the phone with no resolution. I still am unable to access my accounts online, I am now unable to see transaction history nor receiving statements.
My complaint is on Ditech,  XXXX   XXXX   XXXX , countrywide and Greentree. I have been battling this for over 6 years. My husband passed away and my income was cut in half I had to close my buisiness and my only child almost passed 6 months after his Dad. I got behind on my mortgage because of this. I tried to get  XXXX   XXXX   XXXX  to refinance my home which they said they would. I have every piece of paper work. Everytime they get all my information they switch me to another account representative and here I go again in circles. My account is so far behind and they are forclosing on me in a month. I need help. I know this was not handled in a proper manner. My   XXXX   is back and I need a refinance.
Enhanced Recovery is reporting a Fraudulent XXXX account to my credit reports, this account was setup as a result of ID Theft and I have notified them of it and they continue to report the fraudulent info even after I requested they remove it under FCRA Section 605B and 623 ( a ) ( 6 ). I also gave them the case info for the lady that the Feds arrested that was selling all my info and fraudulent id documents as well! I am in the process of a home loan and if this remains it will stop me from getting a home and I will be forced to take civil action to get this removed right away!!!
I've been paying for a XXXX XXXX XXXX from Carmart, Inc. XX/XX/XXXX, the transmission went out. I paid for the tow, had it sent home. Next day I call Carmart about it, they say they will try and have someone come pick the car up for repair ( under warranty ). XX/XX/XXXX, I call around noon and they tell me they forgot to send someone out. The car is finally picked up XX/XX/XXXX ( I believe? ). A few phone calls go by. XX/XX/XXXX, I call wondering where my car is at. The manager and I start arguing. She threatens to throw a bad transmission in my car and give it back to me so I have to pay another deductible, then proceeds to tell me she can keep the car completely while still making me pay for the car. I pay every two weeks, {$100.00}. I try to call customer service and they can't get ahold of me for 5 days due to " having the number wrong '' even though I confirmed the phone number when I spoke to whoever at customer service. Finally XX/XX/XXXX Carmart calls me and tells me the car will be there " within the hour ''. I was at work at the time, and needed to plan ahead. 30 minutes go by and I call back wondering if they got it yet to which she replied, " I said it will be an hour! ". 30 minutes later, she calls and says the car is there then hangs up. I get dropped off by my manager , drive the car back to work. Immediately I notice that the clutch is loose compared to before ( a rebuilt transmission/clutch should be more stiff I would think ), and a rattle after I approach 2800rpm. I finish work , drive home. Next morning, I check the oil, and there is NONE on the dipstick. I take the car to Valvoline immediately for an oil change. They say the transmission is leaking. I call Carmart to tell them  what I find out. I drop the car off the next morning, XXXX XX/XX/XXXX. I waited until XX/XX/XXXX to call the transmission shop directly ( XXXX XXXX  XXXX XXXX ), when they told me that while the trans leak was simply a bolt they didn't tighten to spec upon rebuild, a rod is knocking in the motor and requires a replacement motor. But, so he says, you can not pull a motor from an XXXX XXXX and put it into a Manual, and that the " Manual motors '' are a needle in a haystack. So I'm still waiting for my car back, while still up to date on my payments. Only, XX/XX/XXXX I owe a " tax payment '' of {$340.00} which I'm now unable to pay due to paying twice as much for gas if not more for a minivan that we are borrowing from family, who is now at the loss of a vehicle because of this too. I've also been paying for insurance on a vehicle I do not currently have, and when asking Carmart about a possible loaner while they service my vehicle under warranty, the manager tells me " they ain't no XXXX! ''
Coinbase - Unable to access funds I opened account Coinbase and thier exchange XXXX  on XX/XX/18 and deposited ~XXXX usd and purchased virtual currency. 

On XX/XX/18 I received a text from Coinbase that my auth has been changed from XXXX XXXX to XXXX XXXX and to reply if I did not initiate the change. I replied and received an email questionairre. 

Today is XX/XX/18 and my account has been locked for 3 weeks. Coinbase will not return my funds or unlock the account. They continue to say they are looking into the matter.

I have contacted coinbase a number of times and they will not resolve or even give an ETA. 

Careful using this service. As soon as my funds are back I will never use again.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I paid this account through XXXX XXXX XXXX and there is still a balance being reported. Please remove this account from my credit report since I have disputed it before and it was verified as accurate.
Minimum interest charge {$2.00}. 
A charge of {$2.00} was debited to my account on XX/XX/2018 and once again on XX/XX/2018 for a total of {$4.00}. I normally pay my balance in full but I was expecting interest to be charged in XXXX because I carried a {$52.00} balance. I requested an explanation about the charge through Secure Online Message and over the phone, but every single time the representatives were insisting in explaining the general rule of being charged interest on credit cards. Today, XX/XX/XXXX, I was able to have the second charge waived because I paid the last statement in full ( my balance on my current statement was ironically {$2.00} only, the amount of the charge ). According to them the charge was referring to an average daily balance of {$7.00} which was outstanding until they receive my payment for the {$52.00} on XX/XX/XXXX. When I, again, requested to see where the Minimum Interest Charge rule is actually written, nobody could direct me to a specific disclosure. Customer service stated they will escalate my complaint. I read  several articles online and apparently Citi was supposed to stop this policy as the company was changing its method of calculating interest because of the new federal credit card law. However, I believe that they completely failed to communicate with customers in a clear way and provide them choices. Quickly waiving the second charge is in my opinion a way to avoid complaints, since the option is available over the phone without even talking to a representative.