WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I purchased a vehicle with a loan through Santander Consumer USA. The original amount of the loan was {$16000.00}. I was unable to continue making payments after an unfortunate life event in XX/XX/XXXX. At that point, I requested that the car be voluntarily repossessed from Santander Consumer USA. The car was repossessed sometime between XX/XX/XXXX and XX/XX/XXXX. I received phone calls from Santander Consumer USA advising me that the loan would default and that I would be put into collections and have my credit damaged if I did not pay for the car. I informed them at that point I would not be able to make any payments. I received a notice by mail on XX/XX/XXXX detailing Santander Consumer USAs plans to sell the property ( vehicle ). This notice mentioned that the vehicle would be sold at a private sale sometime after XX/XX/XXXX. On XX/XX/XXXX, I received another notice from Santander Consumer USA that was titled Explanation of Calculation of Surplus or Deficiency. In this notice, it states that the vehicle sale price was {$8200.00} according to Santander Consumer USAs records. I have not received an actual bill of sale to support this number. The balance on this notice was {$9900.00}. The basis of my reaching out to Consumer Financial Protection Bureau is as follows : Balances reflecting on my credit reports have fluctuated and varied in amounts Past Due {$6900.00} Charge Off Amount {$7900.00} Balance {$8200.00} Balance amount reflecting in automated phone system through Santander Consumer USA {$7300.00} Bill of Sale for sale of vehicle was not sent nor communicated in any way to me. Through verbal communication with a phone representative with Santander Consumer USA, was told that my account was charged off XX/XX/XXXX. Also was told that the vehicle was sold on XX/XX/XXXX. Status showing as updated on my XXXX Credit Report as of XX/XX/XXXX as a Closed, Charge-Off Account.
credence resource management have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate ( letter posted ) which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.
Acct closed on XXXX 2009 and still showing on my XXXX credits bureau.
I understand that TransUnion 's systems experienced and system glitch and old inquiries were re-added to credit reports. I 'd like to have those inquiries removed, I can not get through on their toll free number. I held for almost 2 hours.
I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. Chase and XXXX XXXX  departments opened cases to look into this situation. XXXX XXXX XXXX XXXXl department refused to, claiming they could not do anything.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  HUNTER WARFIELD  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
In XX/XX/XXXX we applied for and after 9 months received a modification of our Flex rate mortgage with Indy Mac Bank. The interest rate for our modified mortgage was 2.625 % fixed for the first 4 years and would lock in at the going rate at that time. The going rate was still low after 4 years so our rate stayed at 2.625 %. For the XXXX year or so our modified mortgage was held by XXXX, after that Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX now Ocwen informed us that they will be increasing our interest rate by XXXX point starting this XXXX and again each XXXX for the next 3 years. I contacted Ocwen and asked them for the proof in our mortgage documents that allows this XXXX point increase in our mortgage, but all they could provide was the documents from our original Indy Mac loan which includes an unsigned sheet we have never seen before. I than asked for an Amortization schedule showing this " required '' interest rate increase, but the Amortization Schedule they sent shows no increase in interest rate. In fact the Amortization Schedule they sent shows our interest rate remaining 2.625 % through the last payment in XX/XX/XXXX. Please make Ocwen follow our modification and keep our interest rate at 2.625 % till the end of our mortgage. A XXXX point increase could very well price us out of our home, and was never part of our modification agreement. Thank you. XXXX XXXX XXXX XXXX
On XX/XX/XXXX I applied for a XXXX XXXX secured credit card, o was denied. Do I went to XXXX XXXX. One there I pulled up. I pulled up three credit reports. Had one negative remark with XXXX, it wzas gor the original {$300.00}. I then attempted to go to Wakefields website to see if I could get any info. Well it required an account Number which I didnt have, I called them spoke with a lady named XXXX she states there is more than {$300.00} on my account I asked her to send me records with all We. on them. Well on XX/XX/XXXXI received an invoice from them for only the additional charges not the {$300.00} we stayed with was not on there at all.They are located at XXXX XXXX XXXX, XXXX Tenn their phone number is XXXX. Now on XX/XX/XXXXI wrote them an email expressing that I did not understand why The amounts the had and the amounts credit reports showed was two different figures. Today onXX/XX/XXXX I received the invoices
I was appointed the executor of my mother 's estate. I received a new JCPenney credit card in her name. On XX/XX/2017, I called the credit card phone # and was forwarded to Synchrony Bank 's probate department at XXXX. I informed them that my Mom is deceased and requested a letter confirming that the account was closed and no purchases will be accepted. I was told I would have to call back in 30 to 90 days to request such a letter. I asked to talk to a supervisor, but XXXX returned and said the supervisor said I would have to call again in 30 to 90 days to request a confirmation letter. 
I checked the XXXX on and internet search and found it associated with this company : XXXX . 
XXXX XXXX XXXX XXXX, PA XXXX On the phone call they called themselves Synchrony Bank. I provided the last 4 digits of my Mom 's social security number thinking I was talking to a bank.
I filed a dispute with Trans Union complaint # XXXX, around XX/XX/XXXX, about reporting a derogatory condition on my XXXX XXXX Mortgage account. This account is not derogatory, I have letters from XXXX XXXX stating that this account is not derogatory and a copy of these letters was sent to all three credit reporting agencies the letter is dated XX/XX/XXXX. On XX/XX/XXXX I called ( XXXX XXXX ) to try to get them to correct their mistake, I get routed to call ( XXXX ) the rep there says there is no derogatory account reporting on my credit report and they route my call back to XXXX who says they can not correct it.
A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with Equifax. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with no notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/XXXX.
Regional Acceptance-XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My father XXXX XXXX bought this car for me several years ago as a gift ( XX/XX/XXXX ). I Never got the repairS finished or the DMV smog. So I gave it back to my father XXXX in XX/XX/XXXX. XXXX then gave it to his nephew, XXXX XXXX, in XX/XX/XXXX and turned in a release of liability with California DMV at that time. Some time later XXXX XXXX, my cousin sold the XXXX to his friend XXXX XXXX. XXXX then surrendered the Toyota to a Junk yard on XXXX XXXX, XXXX. I AM NOT LEGALLY RESPONSIBLE FOR THIS XXXX TOYOTA, VIN # XXXX PLATE # XXXX.
Have never received physical credit card, so I can not set up automatic payments or close the account. Customer service is scripted. There is no method for escalating calls. 

Approved for card in store in late XX/XX/2018. 

On XX/XX/2018 called about email advising me to set up my account. Didn't have card yet. Couldn't set up account. Customer service said card would be there within 7 days.

~XX/XX/2018 called back bc hand't received card. Customer service couldn't validate my ID with phone number. Said they would send " bank letter '' that I could use to validate ID. 

Called back several more times over the last month to repeat the above process. No bank letter. No card. Still can not access account.
Due to inconsistencies in the amount owed that I was told by M & T Bank and the amount that was reported to the credit reporting agencies, I was advised to write a good will letter in order to address the issue and request the negative entry be removed from my credit report all together. I had a vehicle that was stolen and it was declared a total loss by insurance company. The insurance company and the GAP insurancw companypaid the outstanding balance of the loan, but I was told by M & T Bank that there was still a balance due on the loan. In good faith, without having received any proof as to why there was still a balance, I made a partial payment towards the remaining debt. I then sent the goodwill letter still offering to pay the remainder of the debt, but in exchange for the removal of the negative entry on my credit report. At one point, in XXXX 2015, per my credit monitoring agency, it showed a delinquent balance of {$0.00}, but when I checked my credit report again on XXXX XXXX 2015, there was a delinquent balance of {$1400.00}. The monies from the GAP insurance and my insurance company has been paid, M & T Bank says that I still owe {$620.00}, of which {$210.00} has already been paid. I contacted M & T Bank via return receipt mail, but I have not been given the courtesy of a response yet.
XXXX XXXX assures me that they only made One credit inquiry and that was on the XX/XX/2018. But, Equifax shows that two Hard Inquiries were made by XXXX XXXX first on XX/XX/2018 and again on XX/XX/2018. I notified both Equifax and XXXX XXXX about this discrepancy on my Equifax Credit Report. XXXX XXXX insists that they show only 1 inquiry to Equifax which was done on XX/XX/2018. Nothing in their records to show an additional inquiry on XX/XX/2018 or anytime after XX/XX/2018. I reported this to Equifax and was told to Contact XXXX XXXX to have the additional inquiry removed by request. I did, and XXXX XXXX insisted they can not do that as they only made an inquiry on XX/XX/2018 and can not remove something they have no record of. Equifax told me that Equifax merely records requests from their customers when made and they can not be remove by Equifax. I feel like a tennis ball bashed back and forth in a never ending match. I have been using XXXX XXXX to keep track of my credit history for a couple of years now and that is how I discovered the error with XXXX XXXX. I have been trying to get a resolution to this with both XXXX XXXX and Equifax since I was made aware it happened when I checked my Credit Report on XX/XX/2018 with my last complaint to XXXX XXXX and Equifax on XX/XX/2018 I obviously need higher help.
On XX/XX/XXXX,, I Receive a Response Back From Wellz Fargo Bank Concerning Issues About Overdraft Protection,, The Problem Is My Account Statements Is Blocked Online Don't Have Access to Any Transactions,, No Paper Statements has Been Issues To Me By Mail at All Concerning This Matter,,,, And For The Settlement Pay ment Go,, Note,, XX/XX/XXXX ( unathorized Bank Accounts Opened,, Was Never Conspenated At All,, Used Deceased Parents Information To Open Those accounts,, If There Was A Settlement Paid In Then Why Was I Conpensated,, This Facts to The Best Of My Knowledge,, XXXX Knows The True,,, This Is So Mess y
So I get this lady pounding on my door so I didnt answer it. The. 5 minutes later pounding again so I opened and said hello she attempted to hand me some papers dropped them and said are you mr blank blank and was gone before I could say a thing so I picked papers up off the ground and apparently they are suing me for XXXX and I must show up before the XXXX. Th in this court Im so lost and have no idea what is going on I know there was a debt I dont believe the amount is correct but I have no clue who the lady was and to be repeatedly pounding on my apartment door at XXXX then again at XXXX is ridiculous. Then drop the papers and run away.
I pay  my Citi  credit card in full each month.  YTD  I have spent {$38000.00} on their card so I am a pretty good customer and pay the balance in full each month. Today, I tried to use the card and was declined. After calling the company, they told me that my payment was 5 days late and they froze my line. The payment due date was the  XXXX  and today is the  XXXX , which seems like 3 days, not 5. There was no nottation in my statement that the availability would be curtailed at 5 days late and I was only 3 days late to pay - I paid the card in full this afternoon.     I asked that a complaint be filed and also asked how to contact the CFPB.  Citi w as reluctant to file a complaint and the representative told me that the situation had been resolved so no complaint needed to be filed. I protested and they finally agreed to file a complaint but had no information about whether I would be contacted or what the complaints process is.  Thier  representatives were not familiar with the CPFB. Additionally I was given contradictory information from  2  different representatives about crediting  Milage  to my account.     All in all a bad experience and my future business will go to my  XXXX   XXXX  and  XXXX  cards.
You are attempting to collect on a debt that is not owed. OnXX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX attached ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill ( see attached bill ). Only my name should be on the bill as is shown on my contract ( see attached contract ). I provided a copy of my contract and details of their errors and received a response from XXXX XXXX XX/XX/XXXX clearly stating that everything is correct according to them and notification that I will receive a late fee if they do not receive my payment in full by the due date ( see their response attached ). Since they did not wish to honor their written contract, I would be forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill attached ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. If XXXX XXXX XXXX XXXX doesn't immediately clear up this matter, I will immediately file suit through Consumer Fraud Legal Services. The documents, including XXXX XXXX XXXX XXXX   written attempts directly and indirectly to collect on a false debt have already been forwarded to the FTC. Thank you.
I went into XXXX in XXXX IL on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3. I told the sales consultant XXXX XXXX that I only wanted to do a test drive and I was not interested in buying a car that day. I also advised the dealership that I am a victim of identity theft and I did n't want multiple inquiries on my credit. I found out later there were XXXX inquiries on there. I found out about 3 months later because I verbally complained to Chase that Mazda Capital Services was part of Chase Bank which no one from the dealership told me. I called Chase because I was upset about the inquiry, XXXX from Chase advised me the dealership should have disclosed that information. She tried to get the inquiry removed but the sales manager XXXX claims they did not do anything wrong. She also advised me the way the system is set up, the first inquiry is from the dealership and the second one is from Chase and advised me the dealership was suppose to tell me that. I found out this information on XXXX/XXXX/XXXX after I purchased my vehicle from them on XXXX/XXXX/XXXX. The general manager XXXX XXXX claims I gave permission to have my credit ran. I am upset the dealership did not disclose all of the information. I spoke with the finance manager, XXXX and he never advised anything about Chase approving the loan. I was advised by an attorney to file a complaint here because this is considered to be fraud.I have documented several conservations with XXXX that advised the dealership was suppose to disclose that information to the consumer since the loan was approved.
Calls multiple times a day. Cant give me any info. Wants {$600.00} over the phone.
I opened an account at QVC with a limited amount of {$2500.00}. QVC has a policy of selling items on " flex pay '', meaning a customer has 2,3 or more months to pay the balance. I paid a minimum or more amount regularly every month, assuming that amount covered amount due. Then I get a phone call saying I owed an undisclosed amount ( somewhere around {$500.00}, they said ) over my limit. I asked why I was allowed to order over my limit but never got an answer. Now I am paying on two separate bills, one to their loan company and one directly to QVC and apparently they have also transferred some accounts to my XXXX XXXX without my permission!
I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my PCA pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.
On XXXX XXXX I attempted to withdraw {$9000.00} U.S. from my CoinBase account to deposit to my bank account. There seemed to be issues with the CoinBase website. ( As usual. ) I had a problem getting a confirmation so I attempted the transaction a total of three times. On the third attempt it seemed to go through. I then received a confirmation that my funds would be deposited into my bank account on XXXX XXXX. Today is XXXX XXXX and my funds have yet to be deposited into my bank account and they no longer show as existing in my CoinBase account either. I received notice that my first two attempts had been canceled but that my third attempt was confirmed. My account on CoinBase shows my {$9000.00} transaction to be " PENDING '' to this day. However, on XXXX XXXX I attempted to withdraw {$1000.00} U.S. to my bank account from Coinbase and those funds were deposited and available within two days. **This proves without a doubt that there is no issue with my bank, my routing or my bank account. ** I have spoken with my bank and they have NOT received any attempt at a transaction on or since XXXX XXXX for a {$9000.00} transaction. ( Only the XXXX XXXX transaction for {$1000.00}. ) I have contacted CoinBase by submitting a support ticket and I have called their phone support. All they will tell me is that my case has been " escalated '' but that I should not submit another support ticket, email them or call them again because that puts me at the end of the resolution line. ( And apparently that line is long! ) What a great way to scam people and withhold their money by telling them if they inquire as to where there money is that they will have to wait longer to get their money!! They also sent me a link to my support ticket that does not exist! It only goes to their standard support ticket page but does not show any relevant information concerning my actual case. If they ca n't provide accurate and timely transactions or resolutions then they do n't need to be allowed the responsibility of people 's money!
On XXXX XXXX, 2015, I logged into my XXXX Credit Card account to make payment. I could not access my online due to account being blocked from online access. I contacted XXXX on XXXX/XXXX/2015 regarding the message received. I was advised to send in documentation of my XXXX from the military. XXXX documents were fax to XXXX on XXXX/XXXX/2015, fax confirmation # XXXX at XXXX. Several days later I called XXXX to inquire of the status of those documents and was told that the documents had not been received. I faxed another copy of the documents on XXXX/XXXX/2015, fax confirmation # XXXX. I called XXXX Bank regarding the status of my reference account member # XXXX and was told by someone from the Executive Resolution Team that they did not know why the account was closed, as he could not see the reason. I requested to pursue this matter in an appeal process because I should know the reason why my account was closed. I have been a member of XXXX bank and have never had any issues with my accounts including making on time payments.
I received numerous calls from this number from an automated system. There was no way to opt out of the calls or to tell them I was not the person they were searching for. Then received a call from a " XXXX XXXX '' who left a threatening message on my voice mail. I am clearly not the person they are searching for. Threatened to come to my home and my work. Called from a blocked number but left XXXX as a contact number.
My XXXX card had fraudulent charges in XX/XX/XXXX. Citi customer care proactively called me and validated with me. After denying them, they cancelled my card and issued a new card with assurance that the charges will be taken care. I have been talking to citi customer services by calling them several times in XX/XX/XXXXbut they said they are still investigating. After 2months, I get a letter from citi saying the charges were legit and I will have to pay them. I have been calling customer services and talking them thru XXXX but there is not right help to fix this issue. On top of all this, when I went into the details of disputed charges, I see real charges that were disputed are not investigated by citi but other charges which I never disputed. I am also been charged interest for these charges. It has been frustrating for me to deal with this issue. Need some help to resolve this.