WillisBack/dataset-financial-user-claim huggingface dataset:
Toyota motor credit account # XXXX / after the lease was due i turned the car into the dealer and waited 6-7 monthfor s for a final bill never received one until it went into collection and they wanted XXXX the inspection report was never taken at the time I delivered it to the dealer. 
the condition of the car was excellent other than the mileage being over and I was waiting for the bill for the mileage overage only.but {$1900.00} I said no. 
its been 3 years and a few collection agents .I need to settle it and have it re moved from my credit history.CAN YOU HELP?
I have sent multiple  XXXX  letters to get these  XXXX  collections removed. I have also called and disputed these accounts online and Transunion nor   XXXX   will remove the negative accounts. These  XXXX  negative accounts have been off my  XXXX  credit report for over two months and I have told TransUnion and  XXXX  that but they wo n't budge and remove them. Neither accounts have validated themselves which is why   XXXX    removed them. In my screenshots    XXXX   XXXX   XXXX    and my  XXXX  app both show no negative accounts open.
My complaint is against Wells Fargo Bank. I am the beneficiary of an IRA owned by my deceased uncle, XXXX XXXX XXXX. I began the process of closing out the IRA and collecting my proceeds in XXXX 2017. To date it has not been received. I have been told the distribution check was issued from Wells Fargo on XXXX XXXX, 2017. The check has yet been sent to me. I have had the local Post Office involved and most specifically my mail carrier checking on its receipt. Consequently, I signed non-receipt and stop payment affidavits and faxed to Wells Fargo on XXXX XXXX, 2017. I have been advised that the check will not be reissued for 90 days and if I chose, I can purchase a Surety Bond to get the check earlier than 90 days. I have also been told that there is no appeal process to this management decision. I would like this investigated. I have all of my documentation if required. I started the process to cash in this account in XXXX 2017 and was misled by Wells Fargo employees several times, providing me with incorrect forms resulting in back and forth communications delaying this process. I have received confusing and contradictory requests from Wells Fargo preventing me from accessing my funds. I have never had as much problem with a bank as I have had with Wells Fargo. I urge anyone reading this to refrain from doing any business with Wells Fargo. Their rules and regulations are NOT consumer friendly, their response to problems is lengthy and difficult.
A representative from Hunter Warfield call me attempting to collect a debt. The debtor shared a name with me, however it was for an apartment complex in which I have never lived in. When Inasked how they got my phone number as I was fearful it may have been identity fraud that I needed to deal with they would not tell me and became rude. I assume they XXXX  my name and found my number associated with it. I was seeking confirmation that the company that they claimed I owed the debt to had or had not provided the phone number. 

I am very protective of my credit information and wanted to make sure it was not identity theft, otherwise I would need to deal with that immediately. Hunter Warfield refused to provide me with confirmation after they called me multiple times telling me I owed a debt that I did not.
I applied for and received Income-Based Repayment ( IBR ) for my student loan. Navient sent me the letter of notice of approval  for IBR  on  XXXX   XXXX ,  2017  ( see Exhibit  XXXX   XXXX   1  ). Navient then sent me a bill for my new IBR on  XXXX   XXXX ,  2017  ( see Exhibit  XXXX   XXXX   2  ). I paid this bill and a couple of months in advance on  XXXX   XXXX ,   XXXX   ( see Exhibit  XXXX   XXXX   3 ).    XXXX  On  XXXX   XXXX ,    2017  Navient sent me a bill for repayment of my student loan with out IBR and a bill that was due four ( 4 ) da ys earlier on  XXXX   XXXX ,    2017 ( see Exhibit   XXXX      XXXX    4 )  .   XXXX  I also submitted a remittance slip with the correct amount due to get the payment correctly allocated as per the criminal defendants  Navients  own instructions. The remittance slip is now in the possession of the criminal defendant.
I 'm a XXXX adult and I 'm positive that I have not made over XXXX inquiries into my credit report. I also see mistakes in account reports and in delinquent reports, because the delinquencies are due to being repeatedly ignored on the phone to give proper insurance information. Furthermore, I do n't know how to get help with a XXXX committed against me that may be effecting my credit. The manager of an XXXX store in XXXX named XXXX XXXX pushed me physically out of the store because she said I 'm too " XXXX '' to have an account with them, immediately after I asked her to speak more slowly due to a XXXX XXXX.
I closed a credit card from Chase Bank. The credit card is sponsored by Southwest Airlines and I had received a different credit, from Chase, for Southwest Airlines. 
When I went online at the Chase website, I noticed I had been charged a yearly fee for the card I had canceled. I also noticed a listing for another card, sponsored by XXXX XXXX, which I had canceled some months ago. 

When I called Chase the representative claimed no record of my closing the Southwest account but were willing to close it now and reverse the yearly fee charge. The representative told me the XXXX card had been closed but, even though there is no balance on either card, there is no way to remove them from my account listings. 

My suspicion is this is a similar program to the recently revealed XXXX XXXX program. 

Please investigate this as this my be a very big scam by which Chase collects XXXX dollars worth of fees without the consumer, in many cases, being aware. 

Thank you, XXXX XXXX XXXX, XXXX, XXXX
I have being going back and forth with the three major credit bureau XXXX, XXXX  and Experian. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.
I applied for a XXXX with XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX 2016. I went thru a phone interview with a HR Rep named XXXX XXXX a XXXX XXXX employee, accepted for the next step, a background. I received a stack of paperwork from XXXX XXXX XXXX XXXX ) by mail, completed it and sent it back. I was told by XXXX it will take 2 weeks to have your background completed, somewhere between XXXX/XXXX/16 -- XXXX/XXXX/16. I waited until the XXXX of XXXX to figure out the next process. I called and left messages. I waited until the holidays to be finished so a week later in XXXX around the XXXX I called XXXX XXXX XXXX XXXX XXXX about my status, XXXX stated " I have to contact some of your employers because they were off during the holiday. '' I waited a couple of more days to hear if XXXX got in contact with anyone, contacted her and she told me she only left messages and no one called her back yet. XXXX then told me that I need to start calling my previous employers to complete some paperwork and have them sent back to her. I contacted a few of my previous employers and stated what my reason of calling is. XXXX out of the XXXX stated " We 've tried to contact XXXX XXXX several times but no call back on her side and we just can not continue to put things on the side for this. '' The other employer stated similarity " I 've fax that sheet many times but the fax machine on her side are having issues. '' " Contact her back and let her know. '' I re-called XXXX back several times and left messages. A few days later in XXXX I called XXXX XXXX Headquarters located XXXX, spoke to a SR. HR Rep ( Benefits ) about all this and she replied to document all this and report it in the long hall. Here is the long hall ... .. I was told by this Sr. HR Rep ( Benefits ) to contact a HR Rep Regional office in XXXX XXXX XXXX XXXX by the name of XXXX XXXX XXXX so I did by emails, I copied and pasted all emails with XXXX and I and waited for XXXX XXXX to contact me back. A few days later i received a email from XXXX XXXX telling me it takes 2 months for your background to come back because its a XXXX. I made another contact with XXXX checking on my status and XXXX told me she received the forms from my employers and waiting on a few more things and she will call me back. Never heard from anyone. A few weeks later in XXXX I received a letter from a XXXX XXXX employee named XXXX XXXX ( Director of Recruiting ) with a letter head from XXXX XXXX 3rd party background check company by the name of Accurate Background located in XXXXXXXX XXXX. I read the findings that this 3rd party did, I disagreed with there findings to prevent my application in moving forward. Accurate Background told me they have nothing to do with the decision in my application call XXXX XXXX. Nobody from XXXX XXXX is responding. They are using my calls to Headquarter, which they gave me the name of XXXX XXXX and after reaching XXXX XXXX about this problem with XXXX XXXX resulted to this.
Recently acquired an American Express Blue credit card, specifically because it offered XXXX % rebate on groceries. After several calls and questions, they told me that XXXX does not qualify because it is a XXXX XXXX. I asked them why it was not possible for them to talk to XXXX and come up with a way to code grocery purchases and thus give credit where credit is due. I asked them if they were aware that XXXX is one of the top grocers in the United States, to which I received only silence. I do buy produce and meat from XXXX, which qualifies, but all the rest from XXXX, because they are consistently better priced. I am not a happy camper!
There was a workers comp medical bill submitted to the XXXX ( workers comp insurance company ) back in XXXX. They somehow managed to mishandle that payment and I then received a collection notice in XXXX. I finally got ahold of XXXX and they apologized and promised to take care of it. After an entire year of trying to get this resolved XXXX swears the check is in the bank to the department of treasury as of monday. I submitted a dispute to Equifax showing that this was a workers comp bill and i was not responsible for this bill XXXX was. I also submitted copies of the emails back and forth from the military hospital and XXXX from XXXX, stating from XXXX they would handle the bill. I also sent Equifax copies of the emails from the last year showing XXXX apologizing for the mistake and promising to fix immediatley to prevent credit report damage. 
equifax then did thier investigation and said that department of the treasury verified the collection and they would not remove the negative information. Even though they have and acknowledged that this is a workers comp debt and they have the documentation showing the insurance was responsible. Equifax , after an hour on the phone even said that even though i sent them proof that i was not responsible for the debt, they will not remove the negative information because the " creditor says it is valid ''.
I received a copy of credit report from Experian and I found inaccuracy on my personal information. My last name was spelt wrongly as XXXX XXXX XXXX instead of XXXX XXXX which is correct spelling. I want that XXXX XXXX to be remove from my credit report to avoid identity theft. And I also noticed there is still couple of addresses on my credit report that did have apartment number or wrong number and they needed to be corrected or removed. They are XXXX XXXX XXXX, XXXX, Ga XXXX address ID # XXXX, address ID # XXXX, address ID # XXXX is should be XXXX instead of XXXX only, address ID # XXXX, these are addresses that needed to be updated or removed from my credit report as soon as possible. In fact correct addresses are ID # XXXX current, ID # XXXX and ID # XXXX both previous. Thank you.
Last fall my social security account was compromised. Nation Star Mortgage keeps calling me telling me I have an account with them. Which I do not. My credit report is excellent ... no breaches have been detected. I hesitate to give them my last XXXX digits of my social security number to inquire about this alleged account.
XXXX XXXX closed a credit card for lack of use, No Foul. then sent a derogatory report to XXXX credit co. I asked the XXXX XXXX why they did this, they could not give me an answer. soon after this my credit score plenished. my american express account was lowered from XXXX XXXX to XXXX XXXX. My XXXX XXXX account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?
XXXX XXXX XXXX has filed a law suit to collect on a debt that is not accurate. Since the date of supposed missed payment, my father, and has paid the amount XXXX different occasions and there is a chat transcript that verifies that payment was made given, and still XXXX XXXX XXXX proceeds to assert inaccurate information about debt being owed and continued harassment predatory in nature. Attempts to validate the debt has failed with the creditor as there has been more than XXXX collection companies also trying to collect on the same supposed debt.
I have a fraudulent hard credit inquire from XXXX XXXX XXXX. XXXX XXXX XXXX has notified Equifax that is was a fraud inquiries, but they will not remove from my credit report.
Alleged debt bought by Second Round Limiter Partnership. Failure to provide validity of debt and proceeded to put said alleged debt on my credit report, which is against the FDCPA. Item must be removed.
XX/XX/XXXX i was never in a hospital since XXXX  and my medicaid paid but these collection saying that i was recently in the hospital which I know it wasn't me at all the amount is XXXX and the other saying XXXX I don't know who they belongs to but I want them off my credit report.
To whom it may concern My name is XXXX XXXX i got my credit report about a month or to back and saw somethings that wasnt correct for starters my name is not XXXX XXXX XXXX it is XXXX XXXX also had inquireys that i never made i called the companys and the credit bureaus and no one can seem to help me so i was googling legal Options and came accross you and your my Last resort
I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries :   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   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  and this violates my rights as a consumer.
I sent a dispute letter to Experian on XX/XX/2018. USPS certified receipt shows Experian received my dispute. I disputed the accuracy and the verification of the account. The disputed account had an incorrect date opened. No account number. Inaccurate first date opened. Not only did Experian fail to delete the disputed account due to these errors, they also failed to properly validate the account per the Fair Credit Reporting Act, 15 U.S.C. 1681. The dispute was simply " rubber stamped '' verified. This Blatant violation of the law will result in seeking legal action.bought on by me if this can not be rectified.
I made a XXXX mobile check deposit to capital one in XX/XX/2017 THEY wouldnt release funds saying it was suspicious I called hundreds of time and was ALWAYS directed to security dept. which a live person never answered or called back. After 5 months I notice there was an electronic funds withdrawal for the XXXX not made by me and capital one had no explanation and soon after closed my account after I called and was directed to security dept which I left several messages NOONE ever got back to me and sent me a check for XXXX
Debt is not mine debt, it was sold to Portfolio Recovery Associates LLC and without any notification it has been reported to all three credit bureaus since X/2016. There is no legally binding contract with my signature between this company and my self. Even after several request for this information I still have not received it and they continue to report false damaging information to the credit bureaus.
I submitted a dispute regarding Houston finance and how it was reporting on my credit and they stated that they would remove the reporting from my credit and it has not been updated. Please see below. 

Case number : XXXX Back STATUS Response disputed Houston finance said : Explanation of closure We will delete the account from all XXXX Credit Bureaus. 

Response We never received direct communication from XXXX XXXX concerning her credit bureau rating. We did get a dispute from the Credit Bureau which we responded was correct. Her account was due to pay out XXXX/XXXX/XXXX. XXXX paid the account out XXXX/XXXX/XXXX which was over 120 days late. We will delete the account from all XXXX Credit Bureaus due to the fact that we did get paid and it was a long time ago. 
WHAT HAPPENED Describe what happened so we can understand the issue ... 
Houston finance has been paid off and closed since XXXX and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Consumer Loan : Installment loan Which of these best describes your issue? Managing the loan or lease DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
This account needs to be deleted from all XXXX credit bureaus for violating federal and state laws of consumer reporting.
XXXX  continues to report to credit agencies I was l ate in 2015.   My loans should have been in deferment as i was in school and the months that followed.     Since I have paid a substantial amount of the loans off and pay every month. They have told me they were removing the late payments from my past but never have. I have also reported this to credit agencies yet they are not able to correct either.     My record should not show any late payments as i have perfect credit.     If this does not work, I am going to find an attorney
Approximately XXXX XXXX, XXXX I contacted Experian online to place a credit freeze on my account. I did the same with all the other credit monitoring companies. On my next credit card statement I saw a recurring charge of {$21.00} to Experian had been charged. I was especially upset to see that the charge was recurring. I do not know what this charge is for and certainly did not consent to whatever they think they are doing. Today, XXXX XXXX, XXXX, I finally reached an Experian representative by telephone. She told me that she had closed the account. I asked for a confirmation, and she said the one had been sent by email. I have not received any email from Experian. I considered these actions to be fraud.
I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX XXXX XXXX Acct # : XXXX
I had filed for a Chapter XXXX Bankruptcy in XXXX. I completed my Case and it was Discharged in XX/XX/XXXX. At that time my Mortgage was still with XXXX XXXX. But something happened with my XXXX XXXX account and they started reporting to all the Credit Bureaus that my Mortgage was now one month late. Ever since then I am still being reported as one month late. XXXX then sold my Mortgage to Specialized Loan Servicing ( SLS ) at the end of XXXX. SLS has been sending me Late letters and calling my Home Phone number ever since. My Bankruptcy Attorney and myself have been asking XXXX XXXX and SLS to provide the exact Month and Year they claim I failed to make that one Mortgage payment so this can finally be resolved. I am tired of the harassment of letters and phone calls. And the Credit Bureaus showing me behind in my Mortgage!!
We have been trying to sell our home via short sale through CHASE HOME FINANCE. We submitted an offer to CHASE on XXXX XXXX, 2015. To this day, we have gotten no answers, just paperwork that is pushed around from office to office. The short sale was initially denied, we submitted an appeal and have yet to hear anything. This has happened on multiple occasions. We submit paperwork, they say they are working on it, and then I get a letter saying the paperwork is too old and to resubmit. 
We spoke with a representative on XXXX/XXXX/15, explaining the error in the expenses portion of our RMA. Never once did she advise us to resubmit a new XXXX. I assumed per our conversation, this was being taken care of. I advised her that the offer on the home expires on XXXX/XXXX/15. She said it should take but 7-10 days. I received a letter in the mail dated XXXX XXXX, 2015, saying they were investigating the question and they would get back to us. Is n't there a reasonable time frame in which things should be accomplished? The offer was submitted to CHASE on XXXX XXXX, 2015. Here we are 7 months later and still keep receiving letters saying the paperwork is incorrect or expired. Please help. This is absolute craziness. No one ever does any actual work at CHASE. The file just sits there and no one seems to care. This is our livelihood. We have done everything CHASE has asked of us and feel they owe us some kind of due diligence in the very least. 

This is the only offer to come in on the house in 16 months. If this falls through, our house will be foreclosed. That is totally unfair because we did absolutely everything that was asked of us and CHASE did not provide proper customer service.
There are inquiry 's on my from all from 2014 that do n't belong to me as someone posing as me tried to obtain credit, after doing an online dispute within minutes they came back verified so there could n't have been an investigation
Santander consumer USA is attempting to collect on a debt that I do not have a contract with their company, they breached their contract when they sold the account, they are attempting to collect a debt that is {$25000.00} which I no longer owe Santander consumer USA, by law they have to remove the fraudulent account! Santander consumer USA is involved in a class action law suit regarding reporting fraudulent charges and accounts on consumers credit reports. If the account is not removed from my credit profile. I will file a lawsuit against Santander consumer USA. I have filed complaint with the Attorneys general office and I have also submitted all documents to my attorney