WillisBack/dataset-financial-user-claim huggingface dataset:
The Auto dealer at XXXX XXXX XXXX in Vermont asked me to finance with the bank rather than pay them directly on XXXX XXXX. I agreed intending to send a check immediately to pay off the balance. The financed amount included an additional warranty for {$930.00} that I cancelled the next morning. I was told the amount of the loan would not include that {$930.00}. However for 47 days I could not get any account number or information from GM financial or from the dealer. I did not receive a bill, could not sign up on the account website, and could not get the details I needed to pay off the loan. The dealer said GM financial could not open the loan account until we had VT drivers ' licences. That took us until XXXX XXXX before I had access to the GM loan details. By that time {$730.00} in additional finance charges had accrued, the {$930.00} had not be deducted and hours have been wasted on the phone to both GM financial and XXXX XXXX XXXX.
Debt disputed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Asked for validation on 3 different occasions XXXX XXXX sent nothing but a bill with totally different last name and address not associated with me. No social security number or identification attached. After a few attempts it was deleted from credit bureaus file. I 've recently noticed the same debt placed back on all three credit bureaus under a different collection agency Diversified Consultants , Inc . I immediately asked for validation it 's the same information from previous collection agency that I originally disputed.
I secured a loan with Santander in XXXX for {$22000.00} and have been paying {$550.00} which, total payments over {$28000.00} and was advised by the XXXX that I still owe over {$18000.00}. This company has been applying my payments toward interest stating it depends on what day the payment is posted that determine what will be applied to principle. I 've requested all payments and signed application and as of today, still have not received any correspondences from the lender. This is a very negative impact on my credit report and I 'm paying {$14000.00} more for a vehicle that is only appraising at {$6500.00}. I stuck paying back loan for additional year because of the hidden fees and misapplied payments. Unable to trade in vehicle because of the negative balance of {$14000.00}.
XXXX XXXX XXXX notified XXXX XXXX XXXX on several occasions to release and dismiss a judgment ( cause no. XXXX ) on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2014 because the matter was settled well-before the court date. XXXX XXXX XXXX indicated that they did not place the judgment on the Equifax , XXXX and XXXX reports. XXXX and XXXX bureaus deleted the judgment from my report. However, Equifax is indicating that the entry is adequate. Thank you for your assistance.
Dear Sir/Madam, I have saving and checking accounts in Wells Fargo since XX/XX/XXXX. I have transferred over 600 k usd from overseas to make investment in the US.
I have visited XXXX NJ branche many times and made some banking operations. Last one was in XXXX XXXX  2017, XXXX, New Jersey. I explained branch officers that I live out of the USA and I sometimes need to make international wire transfer from my Wells Fargo Accounts to my personal accounts in banks like XXXX in the XXXX or XXXX ind XXXX. They said I am free to make transfers.
Now I live in XXXX, I cant make wire transfer to my XXXX XXXX of XXXX account. I tried every single option of on-line services, but somehow the system has stopped me and gave try it later message. I called WF customer service here from XXXX but the agent said me unless I visit one of branches physically they ca n't allow to move money. Wells Fargo does not help me, and they do not care about me. I am here with limited money. I have to use Wells Fargo debit card, they frequently charge international purchase transaction fee for each transaction. Moreover, they are converting currency lower the rates.
I attached XXXX 2017 Online Statement for your review.
I want to begin a complaint process about Wells Fargo regarding their attitude to me.
Wells Fargo Branch : XXXX XXXX XXXX, XXXX, NJ, XXXX Everyday Checking Account number : XXXX
I have 2 cards with Capital One and both are Quicksilver cards. One ends in XXXX and the other ends in XXXX. My issue with the card ending in XXXX is that my credit union attempted to pay my bill and it did not go through, causing me to be late by 3 days with my payment and Capital one charged me a " Past due fee '' of {$29.00} which they are refusing to reverse. The other card, ending in XXXX, was recently charged a {$39.00} annual membership fee which I was told a year ago, would be permenantly reversed. When I asked about this, a supervisor asked me for the name, ID and badge number of the associate I spoke to, then acted like there were no notes of my conversation with them. First off, how would I know a person 's ID and badge? Next, they have waived this fee every year since I got it, as I was offered a card without a fee first.
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX andXX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
I have been disputing an account with XXXX, XXXX, and Experian asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. XXXX did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/XXXX. Experian and XXXX are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, XXXX and Experian has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. XXXX, Experian, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.
XXXX   XXXX   XXXX  has been informed that property at  XXXX   XXXX   XXXX  in  XXXX   XXXX  Texas  XXXX  is owned by  XXXX   XXXX    XXXX   XXXX   XXXX   yet it has ignored repeated request to cease aggressive collection practices.  XXXX   XXXX   XXXX  on or about  XXXX   XXXX   XXXX  caused a collection letter to be sent by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  again threatening foreclosure on a property owned by  XXXX   XXXX    XXXX      XXXX   XXXX  .      XXXX   XXXX   XXXX  was notified of this action on  XXXX   XXXX ,  XXXX  along with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , the  XXXX  credit reporting agencies  XXXX ,  XXXX  and  XXXX .     Their collective action has caused undue stress and duress on us plus negatively impacted our credit files since  XXXX . They have repeated violated the Fair Credit Reporting Act ( FCRA ) along with the Federal Fair Debt Collection Practices Act. We have asked  XXXX ,  XXXX  and  XXXX  to update our credit files since  XXXX  when  XXXX   XXXX    XXXX   XXXX     XXXX  acquired said property but those credit reporting agencies have turned a blind eye to our requests.     We hereby seek damages and action to stop this undue harassment and duress caused by parties who have colluded to circumvent our legal and financial rights. Thank you for your consideration and speedy resolution to this matter.
I made a request for the credit bureaus to investigate errors on my credit report back on XX/XX/XXXX. As of today, they have not responded yet.
I was part of the XXXX glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response. As a result each credit reporting agency has now been alerted that I have new inquiries being reported and it bringing my scores down.
In  XXXX     2012  I was involved in a car accident.  XXXX   (   XXXX   XXXX   XXXX   ) a dvised that they offered a free consultation to accident victims. I went by the office and spoke with the receptionist but never returned to have treatment started. After several years, I noticed a charge of {$320.00} on my credit report from  Collection Services of Athens. I co ntacted the company several times and told them I never received services and asked for a breakdown of the services I allegedly received and they have never produced that information.  <P/> The  XXXX  center is no longer open and I am unable to get any assistance. I should not be charged for services I did not receive.
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
I purchased a house with my husband in XX/XX/XXXX. He refinanced the mortgage without my knowledge in XX/XX/XXXX. He moved out and stopped paying the loan, forcing me to make payments from early withdrawals from my IRA. I requested a XXXX from the loan servicing company for tax purposes, but was denied this on the grounds that my name is not on the note.
XXXX   XXXX   XXXX   in  XXXX  Alabama has put a bill into collection on my credit. The bill was for my daughter, who stays in Mississippi and is on  XXXX . The opened date was  XXXX . Account was reported on  XXXX  on my credit. It is a balance of {$370.00} that should have been handled by her  XXXX . Her primary guardian is her mom, therefore I 'm unable to carry her on my insurance which is locally based  (   XXXX   XXXX   )  which is provided through my job. Debt was sold to  Holloway Credit Solutions LLC.
I HAD A CAR LOAN WITH NAVY FEDERAL CREDIT UNION. 
MY CAR WAS STOLEN FROM A CAR REPAIR SHOP THAT I HAD NEVER LEFT MY CAR WITH OR DONE ANY TYPE OF BUSINESS AT ALL WITH THEM. 
I GIVE THEM A COURT ORDER AND WARNING THEM NAVY FEDERAL CREDIT UNION NOT TO GIVE MY CAR TO XXXX XXXX.THAT I WAS TAKENING TO COURT .I GIVE ALL LEGAL DOCUMENTS SUPPORT THAT STATEMENT TO THE NAVY FEDERAL CREDIT UNION. 
NAVY FEEDERAL CREDIT UNION GIVE HIM THE TITLE TO MY CAR AND MY SOCIAL SECURITY NUMBER AND OTHER VERY IMPORTANT INFORMATION TO XXXX XXXX. WHO HAD STOLEN MY CAR.I WON MY CASE IN COURT XXXX XXXX WAS ORDER TO GIVE ME THE CAR BACK BUT IT WAS TO LET HE HAD SOLD IT. 
THE NAVY FEDERAL CREDIT UNION DID NOT PROTECT MY PERSONNAL INFORMATION OR MY LEGAL RIGHT TO OWNER SHI OF THE CAR. 
I WROTE SEVERAL LETTER TO THEM BUT THE REFUSED TO DO ANY THING ABOUT IT.THEY EVEN GIVE ME BAD CREDIT AND DO NOT WANT TO BE RESPONIBLE FOR THEIR WRONG ACTION.I WOULD LOVE TO SUE THEM BUT I DO NOT HAVE THE MONEY TO HIRE A LAWYER. 
I WOULD NOT LIKE FOR ANOTHER PERSON TO GO THROUGH THE SAME THINGS I DID.THE XXXX NEARLY KILLED ME TO KNOW THIS AND THEY GET AWAY WITH IT. 
CAN YOUR OFFICE HELP ME WITH THIS MATTER. 
THANK YOU FOR HELP AND SUPPORT. 
PRAYING FOR YOUR HELP. 
TRULY YOURS XXXX XXXX
Information that was previously deleted has been reinserted without proper notice being given. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
I am the co-signer on a student loan account taken out over 10 years ago. The loan is now in repayment, and the main borrower filed for bankruptcy earlier this year. I live in XXXX, FL and the main borrower resides in XXXX, OH. 

Under the normal terms of the loan, when the loan fell past due, I was immediately notified by mail or phone and would ensure the payment would be made to avoid delinquency being reported. Once the main borrower filed for bankruptcy, the lender seized all communications with main borrower and also myself. I had to find out via credit reporting that this student loan account was past due. When I attempted to log in to online, Discover also removed access online. When I spoke to Discover 's bankruptcy department ( on several occasions ) the scripted representatives simply recited the same thing, that legally they were not able to contact me. Nonetheless, they deem it appropriate to ruin my credit, which I have worked tirelessly to keep intact, based on their guidelines. 

Now I have a problem with this. The main borrower filed for bankruptcy. I did not. So I should still be able to be contacted to give me an opportunity to act ( make a payment ) and fulfill my duty as a co-borrower prior to adverse action being taken. If it were up to me, the account would never default, but I have to know what 's going on with the account. Given Discover 's decision to restrict access, my credit is adversely being affected costing me thousands of dollars, as I 'm in the process of closing on a home loan. 

The loan was reported past due during the months of XX/XX/XXXX XXXX and XX/XX/XXXX XXXX
XXXX XXXX 2017 an IVR money transfer of XXXX XXXX dollars. I called the Office of the inspector general asking what an IVR money transfer is. they did n't know. I tried filing with the company before calling the Inspector General for the federal Reserve, Direct express XXXX by Coamerica bank. Nine times when I called they transferred me to a dispute supervisor and after identifying me, he or she in some cases would transfer me again. But they would hangup and I received a dial tone. Happened again today, but the second time I called I wanted the level two person and finally was able to file my claim against the IVR money transfer. I spoke with a lawyer and she read their contract and it needs to be changed because they could not tell me where the money was transferred to. And in that case the money should be returned within ten days. Now it is as they have stated gon na be forty-five days.
I bought a truck at XXXX XXXX in XXXX XXXX AZ, told the dealer I wanted a truck smaller than my 1 ton dodge ram and cheaper, with interest ate at below 3 % because I could n't afford more and better on fuel, I told them I could n't read the contract so I would have to trust them, they ended up giving me a truck that was more expensive t truck cost over 33,000 plus I put down XXXX on top of that totaled was around38,000 and with a interest rate at 24 % then they told me to tell finance company I made XXXX, little did I know, I left and had some one read the contract it was way of base, I waited 10 days to call the fianc company, dealer said they will call with in 10 days, they never did so I called them told them what happened and they said I signed it ad nothing anyone will do., told both company 's I could not afford the cost or did n't make that kind of $ {$.00} so now there trying to repo it. I have spent a lot of $ $ and need help getting this back or gov going after the practice. they both refused to cancel it. lost more to it, the finance company is in XXXX XXXX. it was pure fraud on dealers side and fianc side pure gread
I can not tell what kind of debt they are trying to collect on though they did mention a student loan debt. I have no debts to be collected. They are calling my work sometimes 2x a day. I am not answering or responding to their calls. I have looked the number up and they are listed as a scam number. The number they are calling from is XXXX. It is always a live person that leaves the message. I have since registered my work phone number with the do not call list. In that instance, I have to wait for 31 days to be able to report them. I want this stopped immediately. Please advise. Thank you.
I applied for a mortgage modification from XXXX that was consistentlydenied. I hired an attorney and spent over {$20000.00} to obtain amortgage modification from Nationstar who apparently purchased myloan from XXXX. 
I received a letter dated XXXX XXXX, 2015 detailing a refund due mefor a " Modification Delay '' in the amount of {$3900.00}. On XXXX XXXX, I contacted Nationstar via email requesting a check in the amount of {$3900.00} for the refund. On XXXX XXXX, Nationstar acknowledgedreceipt of the request. I have not received a response or refund check todate.
I contacted XXXX/XXXX, for a replacement credit card. Instead of issuing a replacement card, they ran a credit check without my permission and issued a new card thus reducing my credit score and ability to get credit at a lower rate. 

I have contacted all three credit agencies as well as XXXX/XXXX   and all involved gave me the run around several times, saying that they could do nothing and only the other company could fix it, while none of them did anything!
I get an inquiries in my credit report for a company I do n't know. I request this inquiries to be removed from Transunion immediately. XXXX XXXX is not a company I know.
These were paid a long time ago and I continue to dispute to have these updated and/or removed and I never receive any information.
On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.
My credit score dropped from XXXX to XXXX with Transunion ( 62 points ) and XXXX to XXXX with XXXX  ( 40 points ) in the matter of two days as a result of paying off a credit card account balance ( which was normally paid off on a monthly basis ) and closing that business credit card account for an entity that was being terminated. I was shocked, and contacted via telephone both Transunion and XXXX  for an explanation of such a drastic decline. Both agencies could or would not supply an answer to my question. Both agencies transferred me to different departments for more information. Again, could not get an answer to my simple question of why, for closing an account that was no longer required, my credit score ( which effects even my insurance rates ) dropped so much. The answers where the same form both agencies, they said in essence : " many factors go into determining your credit score and we can not divulge how the score is determined. '' This answer is unacceptable. These agencies set benchmarks for banks, insurance companies, lenders, credit companies to determine what credit worthiness you deserve and your credit score determines what rate you may pay moving forward, even regarding car and house insurance rates. 

As a XXXX year old I've been eliminating my debts and the more I eliminate these credit agencies, with no accurate information on why accounts are closed are penalizing me. This is unacceptable and in a way discrimination against seniors who wish to not have outstanding debt. I have over a half million in bank accounts, and that does not include very positive home equity balance. But now I don't own a credit card ( have bank debit card ) and my credit score dropped like a rock.
This is regarding Netspend which offers XXXX dollar bonus to XXXX the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have been refered by my friend and I have ordered new card and loaded that card as well with XXXX dollars and satisfied all the requirements for the XXXX dollars bonus which never got credited. I have been calling customer care representatives multiple times and every time i get an assurance that my card will be loaded with the bonus. However, it never happens. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. I have met all the requirements for the bonus but we have not received the bonus.
I closed my account with Bank of America Master Card in the summer of 2015. 
However I just received a statement from BoA with a new charge to my account. 
I contacted BoA with a request to truly close my account and reject all charges coming into this account after it was closed -- - because I am not a BoA customer anymore, and BoA is not my service provider anymore. IN my view, BoA can not transact business on my behalf -- - because we have no commercial relationship anymore. 
However BoA representatives declined providing an assurance to me that they will indeed close my account to new charges. I am seeking CFPB 's help in having BoA truly closing my account.