WillisBack/dataset-financial-user-claim huggingface dataset:
MEI Auto Finance, also know as XXXX continually reports my auto loan as delinquent. The payment in question is from XX/XX/2016. They submitted the corrections as of XX/XX/XXXX to all of the bureaus, which was temporarily corrected, but again reported the payment late and have done so for the past two months. I was advised by the agent that they realize my payment was n't late. She said the reason the payment reflects as late is because their website ( XXXX ) applied the payment to a late fee first, shorting my regular payment. I advised her that when I paid, there was no mention on their site of any late fee, or else I would have included it with my payment. I have never made a late payment to them. She said that due to the technical issue, I would need to call them to ensure it is applied correctly. I told her that sounded a bit unorthodox. I later spoke with another agent, who advised me that there is no one there that does credit reporting for them. He said that the prior individual had left the company and that they had a new director. He acknowledged that this was certainly an erroneous marking and that he would see what he could do to resolve it. A couple of days later, we received an email from the bureaus advising us that the erroneous payment had been removed. I monitor my credit report and decided to follow up on why it had recently reported a late payment. I discovered that the late payment was back on my credit report as though it had never left. It reflects on all three bureaus. Not only did all of the bureaus update the correction, but they also restarted this nightmare for me. Please help because neither party seems to be concerned in resolving their technical issues or complying with FCRA, despite knowledge of the inaccuracy and escalations from me.
This CFPB complaint is regarding XXXX, XXXX XXXX XXXX XXXX account no.XXXX that appears on my Experian and XXXX   XXXX files. VERY RECENTLY, EXPERIAN VERIFIED the account on XX/XX/XXXX AND XXXX VERIFIED on XX/XX/XXXX.I have included with the evidence attached here a 3rd party report showing those dates OF STATUS UPDATE.I have included XXXX XXXX XXXX CFPB RESPONSE OF XXXX XXXX where they admit to 40 previous verifications of disputes with Experian and XXXX  ( XXXX ) .XXXX  DELETED THIS ACCOUNT LONG AGO WITH THE SAME EVIDENCE PRESENTED HERE. 
THE DISPUTE IS SIMPLE ... .THE FCRA DOES NOT ALLOW RE-AGED ACCOUNTS. 
XXXX XXXX VERIFIES XX/XX/XXXX AS DOFD.ACCORDING TO FCRA DEFINITION OF DOFD, THE DOFD WAS XXXX XXXXTHE EVIDENCE HERE INCLUDING A 3 DAY NOTICE, A CERTIFIED COURT DOCKET, THE JUDGMENT OF XX/XX/XXXX, THE PREPONDERANCE OF EVIDENCE SHOW COLLECTION EFFORTS ON THE DEBT ( RENT ) AS EARLY AS XX/XX/XXXX. 
THIS EVIDENCE IS SUFFICIENT TO WIN A SUIT AGAINST THE CREDIT BUREAUS AND XXXX XXXX FOR THE " 40 VERIFICATIONS '' THAT WERE INACCURATE WRONGFUL AND CARRY STATUTORY DAMAGES. 
THE CFPB HAS AMPLE EVIDENCE HERE TO PROSECUTE EXPERIAN AND XXXX  FOR ALLOWING THEIR PAYING SUBSCRIBER TO VIOLATE THE FCRA WITH IMPUNITY TO THIS POINT.
I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX XXXX XXXX, XXXX and XXXX/XXXX. I have reached out to the FTC and my local police department.
On XXXX XXXX I transferred responsibility of my XXXX account out of my name and paid all monthly / cancellation charges that were accrued as follows. 
On XXXX XXXX I paid sprint in the amount of XXXX and my total due balance at the moment was XXXX for the next payment due to phone cancelation. On XXXX XXXX I paid a total of {$320.00} in cash at a XXXX store to bring my balance to {$0.00}. At this point the account was closed and I have no longer done business with or used sprint services. 

After all this I received a letter postmarked XXXX XXXX, 2015 stating i was in collections for the amount of {$73.00} with XXXX.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
This company is calling my employer. The phone number is XXXX. They last called on XX/XX/2018 at XXXX XXXX.
I applied for an XXXX XXXX card through Synchrony Bank. I received a denial letter on XXXX/XXXX/XXXX stating XXXX XXXX reported a credit score of XXXX On XXXX/XXXX/XXXX, XXXX XXXX provided me with a credit score of XXXX. Synchrony denies me credit everytime I apply for any type of credit card they offer. Where did Synchrony get a XXXX credit score if XXXX XXXX is reporting a XXXX credit score. Something is VERY WRONG.
my complaint is against XXXX XXXX, paid off amount. This loan was made by phone, my conversation with the person was- I requested a loan for the amount of {$5000.00}, ( see attach ), they toll me that the financial charges were going to be {$2500.00}, and the payments were going to be {$560.00} per months. I paid this amount for the XX/XX/2018 year, ( see attach ). 
This year I call XXXX to get the paid off amount, and over the phone, they tool me that " I have another 76 payments for the total of {>= $1,000,000}. How can a {$5000.00} loan became {>= $1,000,000}? This is a ripoff. Also over the phone, the person, toll me that if I want to pay the loan off, it was going to be another {$8000.00} to pay the loan or another 76 payments of {$56000.00}. The annual percentage rate is 132,48 %, which I did not know about. Also, the promissory note they send me was not signed, ( see Attach )
I received a XXXX tax from from Bank of America XXXX for an XXXX distribution of {$7000.00}. I do not have an account with them and never been a Bank of America employee. After numerous calls, I was told that it was a fraudulent account opened under my name. I have requested since XX/XX/XXXX for a revised XXXX that show {$0.00}, I am still waiting to receive it.
Several times I have communicated with chase bank, XXXX and XXXX to notify a mortgage account that does not belong me. The account reported in my credit is Chase Home Finance XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence Chase bank, XXXX and XXXX do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.
I took out a loan for {$7700.00} with XXXX XXXX, I then received a refund from the school of {$3600.00} from XXXX XXXX - that was in XXXX. 

My balance should have been {$4100.00}. I have made payments of at least {$6100.00}, and my balance is still showing {$3600.00}. That means I 've only paid down the principal of {$470.00}. This is unethical business practices on the part of Navient. And I need help. 

I have more than paid for this loan and I am going through some tough times. I truly need this loan to be forgiven.
I called Bank of America in XX/XX/XXXX stating my business is going through a Natural Disaster when one of my warehouses burnt down and I am spending my time fixing the situation. They notated that and from there I somehow accumulated 2 late fees. I pay via Autopay all the time via Minimum Payment Due. BUT with Bank of America they do not have that option so when the interest went higher my Minimum Payment Due went higher and the past 2 months I didn't cover it. 

I did not foresee it due to the Natural Disaster happening. SO I called them stating to remove the 2 charges and they said OK but it never gotten done I am writing to Consumer Finance to help me in this situation as they 1. Do not have an Autopay option for Minimum Payment Due to avoid this situation. 
2. I went through a Natural Disaster and Bank of America should have the consumer in mind. 
3. I overpaid the minimum and now making larger payments and Bank of America did not have this in mind.
I just became aware of a credit inquiry that I did not authorize and it is damaging my credit.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from Stellar Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Stellar Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I received one letter, dated XX/XX/XXXX, from Phoenix Financial Services stating I had a collections balance of XXXX with two separate creditors, XXXX XXXX XXXX on the front, and XXXX XXXX XXXX XXXX on the back for a medical service rendered XX/XX/XXXX. I had never received any previous bills from " XXXX XXXX XXXX which does not exist, as only XXXX XXXX could be found on XXXX, and it refers to XXXX Hospital in XXXX. I have also never received any bills from XXXX XXXX. The item was reported to the credit bureaus on XX/XX/XXXX. The letter states they have attempted to contact me, and are willing to let me pay a reduced amount to settle it, but makes no mention of my right to dispute the debt.
I made a purchase on a credit card which had a 0 % promotional balance on it. I called the credit card company ( Chase ) prior to making the purchase because I wanted to make sure I could pay off the purchase even though I had the 0 % balance remaining. The woman informed me that any payment I made over the minimum due would be applied to the higher interest balance - so I went ahead and made the purchase of {$89.00} knowing that I always pay well over the minimum due and the added purchase amount combined. Then I get my next 2 months statements and I have been charged interest in both billing cycles even though I paid 7X the minimum due and 2 X the minimum due plus the purchase amount. And now I am being told I have to pay off the entire 0 % balance before anything will come off the purchase balance. The amount of interest involved here is not the point - it is a matter of principle. I have attached documentation of my conversations with Chase, as well as my statements depicting the charges and payments.
XXXX XXXX in XXXX XXXX, has called me as a collection/private agency between XX/XX/XXXX threaten me and my family member saying they have cops on the way to serve me paper to have me arrest. Looking up my father information his social security, and giving it over the phone to other. tell my family they have them subpoena to testify on their behalf.
I have had a student loan with XXXX XXXX now Navient since XXXX. I have always done my best to make sure to pay my student loans. I 've never been the type to purposely not pay them like a lot of people do. Even with their unreasonable payment plans simply because I know it can destroy my credit. After being on the phone this morning for a total of 75 minutes and spoke with 7 different people. There was no resolution and I was hung up because they refused to transfer me to speak with a manager. I called in XXXX XXXX to have my loan reduced as it was about to increase to an amount that I could not afford. At the time I was also in the middle of trying to purchase a home since I was staying with my parents for 6 months in Pennsylvania commuting back and forth to NY. As the rents in XXXX are similar to mortgage payments, it was time to own vs rent. I was told today by a supervisor named XXXX at Navient that because I decided to take on the purchase of my home, that I am able to pay my obligation to Navient. After several minutes of going back and forth with her ; which I do not appreciate a customer service rep dictating my financial needs and obligations. I was simply calling because the monthly payment plan they put me on is not working with my finances. It is extremely counterproductive how we as students who want to pursue a better education to have better lives have to be held like prisoners because we have decided to be better than the status quo and make the sacrifice to purchase a home. To then to be told and penalized by XXXX XXXX because we have moved forward in life. I truly have not had such a problem with XXXX XXXX up until today. I have asked to make split payments throughout the month to make it easier on myself to meet the monthly payment of {$280.00}, I was told this was not possible and could only be done through direct withdrawal from my bank account. I was told that they could not lower my monthly payment any lower than what it was, they were not willing to work with me to find any other alternative solutions stating that was the ONLY solution they had for me. I 've been paying them religiously for years. I am not trying to be unreasonable and not pay ; on the contrary I am trying to find a middle ground that can make all of us happy. I pay, they get paid. I was rudely transferred to whom I thought was a manager and was told was another supervisor who said to think of him as second in command. I find this very insulting and a complete waste of my time after being on the phone with them for 74 minutes. While I know my story is not as horrific as a lot of other stories out there with people who have dealt with XXXX XXXX ; it 's extremely frustrating to me how they are not willing to work with anyone and hold everyone hostage by their terms. I would like a reasonable payment so that I can continue to pay my obligation to them and they can continue receiving their payment.
Mother in law got a reverse in XXXX. Lender says she missed paying property taxes in XXXX sent a letter stating her house would be sold on XXXX XXXX, XXXX, sold her house on XXXX XXXX, XXXX XXXX never came after us for taxes and she did pay them. Any docs that may help I can send as soon as I hear back from you.
I mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  XXXX  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  XXXX , saying the inquiry was as a result of an application from  XXXX   XXXX ,  XXXX , which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report and they failed to do so.
Despite numerous certified letters sent to the credit bureaus and debt collector referenced below, I can't seem to get any resolution on this debt they say I owe of XXXX. I requested proper debt verification via certified letters on XX/XX/2018 and XX/XX/2018 and the only thing I have received is a statement of balances but nothing baring my signature. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper verification is shown. The FDCPA is clear in section 807-8 and the FCRA in section 623-b as to how debt collectors are to verify debt with consumers. XXXX XXXX is not following the law by not providing proper verification to consumers in which they wish to collect from. I request that this negative item be removed from my credit reports due to XXXX XXXX not providing me with proper verification.
Paid a few to   XXXX   XXXX   XXXX   that told me my payments would resolve my student loan debt and close accounts. After paying for months the accounts appeared closed on my credit report. However recently the accounts are back open and delinquent. And the departure of education took my tax return as payment.
XX/XX/2017 XX/XX/2017 Unauthorized inquiry two times in the same month. Was done without my consent.
On XX/XX/XXXX my vehicle was repossessed from my job. In XX/XX/XXXX I paid XXXX   because my fridge went out. Not their problem. I was informed I needed {$1200.00} to get my car back. I scuffled up {$900.00} and I'm grateful that they taken it however every month I auto pay my car note. If I have been carrying over a late fee of {$23.00} for ( 7 ) months {$160.00}. {$320.00} from XX/XX/XXXX plus the {$160.00} totals {$490.00}. My car note would have come out on the XXXX but they included it in the repo plus {$300.00} for towing fee. I have been devastated every since. I don't understand. I know what part I played in it but I got NO documentation about this matter. Thank XXXX some people understood that I am an XXXX and couldn't make it without my vehicle. I am including all my bank statements as proof of payments. Credit Acceptance should have better business practice. I believe I am the first person to get a repo for a partial car note and late fees. Also XXXX XXXX XXXX needs customer service classes and should consider who they are in bed with.
I applied on my discover XXXX miles card XXXX of 2015. My promotion was double your cash reward for the first year. 

I should have received my cashback double for the whole year on XXXX billing cycle. I suspect when my original account was marked as fraud, XXXX transactions was not authoized by me therefore they have to replace my card with another account number. The original account number is XXXX. They have verified on the phone that i was indeed enrolled with the promotion. With this the promotion might have fallen off on my card. 

I started following up on it on XXXX XXXX, and has voiced my concern about it. they said i should call back and wait for another month for XXXX XXXX billing and it should reflect it. XXXX XXXX came the tell me now to wait on XXXX XXXX billing and it will surely reflect on my double cashback for the year. 

I have spoke with XXXX XXXX on this issue. 
Come XXXX XXXX i called again and i spoke to XXXX and she then transfered me to XXXX a supervisor. She said to wait 72 hours and she will call me back. It has been almost 3 weeks and almost every week i follow up on the status and no answer for it up to now. On XXXX XXXX someone told me that i would receive a call in the afternoon but no call was received. Today XXXX XXXX still no word on the outcome of my cash back award. 

Please help me resolve this matter. I feel i have been wronged already since it has been 4 months that i should have received the cashback promotion on my account.
XX/XX/XXXX I learn of a collection being reported by PINNACLE LLC C/O RESURG. Not having any business with them I call to learn what it 's about and after multiple calls the only thing I learn account was sold to XXXX. So i call them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced PINNACLE to reveal a supposed original debt with XXXX XXXX. Now after this investigation information about the account is being manipulated such as open dates etc., to extend reporting. Also this closed account is now reported in a manner to reflect as a new delinquency each month to cause further damage to my credit. XX/XX/XXXX I did establish service and purchased multiple phones at retail price since from day one I did not receive adequate phone service. First i was told a phone with external antenna was needed and then even more powerful phones even though I was within a good coverage area. Later after diagnostics i was told that there were issues with the cell towers and service tickets were issued all this continued for years. Finally i was told repeatedly by customer service reps, " XXXX is not for everybody ''. So being fed up i cancelled service having paid all monthly charges and fees.
I have been informed, that there is a public record reported by ( United States Bankruptcy XXXX, Eastern District Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy XXXX Eastern District of California ) listing a public record- I do not have a Bankruptcy. I have sent you a dispute, because this information in Not accurate. Per my last conversation with an TransUnion representative, was your claim to verify information at the United States Bankruptcy Court XXXX District Of California. I have contacted the United States Bankruptcy Court XXXX District Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from TransUnion, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.
The company XXXX XXXX XXXX is saying I own them {$3100.00} from an account they have from XXXX XXXX credit card from XX/XX/2001 and is currently now taking {$300.00} out of pay check. I've called the company multiple times letting them know they are wrongfully taking money out of my paycheck, and that they have the wrong person
I was defrauded by XXXX at XXXX that have also defrauded XXXX also by selling an wrecked carthat has an bent frame that was a totalout car that is worth only $ XXXX-XXXXand that 's only selling the car as parts XXXXshowed me Car Fax that said car neverbeen wrecked purchase car in XX/XX/2013and the car is an XXXX Kia Optima thathad only XXXX miles on it.
Made multiple attempts to find a payment plan and reduce interest rates. Discover was no help in this effort. Could not meet minimum payments while my hours were cut and turned over to collections. I am looking to only improve my credit score. I do not wish to get another credit card or do not need any loans. I have children and the future is uncertain. Trying to build credit for any unforeseen instances in the future. Thank you
I filled out a application for Capital One on XXXX XXXX for Capital One they pulled my credit and then contacted me and said I needed to fill out another application that they did not have my social security number so I reapplied and another credit report was pulled. XXXX has already fixed the problem. XXXX and XXXX need to remove XXXX of the hard pulls each like XXXX did. It was Capital One Fault that this occurred. The records will show this. XXXX is on the reports according to XXXX. 
Thank You XXXX XXXX