WillisBack/dataset-financial-user-claim huggingface dataset:
I PURCHASE A XXXX ON XX/XX/XXXX. FROM XXXX I WAS TOLD BUY THE SALES AGENT TO SUBMIT THE AUTO APPLICATION WITH MY HUSBAND XXXX. HE LET THE SALESMAN KNOW HIS FL LICENSE WERE SUSPENDED WHICH THE SALESMAN SAID IT DON'T GO AGAINST THE LOAN BEING APPROVED.FINISH ALL PAPER WORK LOAN WAS APPROVED AND JUST RECEIVED TAG FROM 3 MONTHS WAITING AND UNABLE TO CONTACT COMPANY BECAUSE THEY WERE KNOW LONGER AT THE SAME LOCATION.I VISIT MOTOR VEHICLE REGIONAL OFFICE IN XXXX FL ON XX/XX/XXXX THEY FOUND WHO REGISTER THE TAG AND WENT IN THAT DAY PAID XXXX FOR TAG AND FEES. I ASK THE AGENT PEPE WHY WASN'T I GIVEN A DECAL FOR XX/XX/XXXX HE STATED I NEEDED TO GO TO A TAG AGENT TO RENEW. THAT  DAY I VISITED A AGENCY IN XXXX FL WHEN I WAS TOLD SINCE MY HUSBAND LICENSE WASN'T ACTIVE I COULD NOT RENEW UNTIL HE TOOK ACTIONS ON HAVING IT REINSTATED. CONTACT LOBEL FINANCIAL TO ASK WHAT WOULD BE MY STEPS IN REMOVING MY HUSBAND INFORMATION OFF THE LOAN I WAS TOLD BY TWO MANAGERS AND FIVE AGENTS TO FIND ANOTHER COMPANY TO REFINANCE MY LOAN. SO NOW I AM STUCK WITH A VEHICLE THAT I PAY XXXX A MONTH PLUS XXXX INSURANCE. I NOTIFIED THE INSURANCE COMPANY THAT MY HUSBAND LICENSE WAS SUSPENDED AND THEY EXCLUDED HIM OFF THE POLICY. I REALLY NEED HELP ON SOLVING THIS PROBLEM BECAUSE I HAD A DOWN PAYMENT OF XXXX AND HAVE MADE 4 PAYMENTS OF XXXX AND CAN'T LOSE MY MONEY ON A VEHICLE I CAN'T DRIVE. LOBEL FINANCIAL CORP. XXXX.
XXXX XXXX XXXX
Over the past few years, XXXX began reporting that my loan was charged off when I actually paid it off. They reported to Equifax. XXXX corrected the issue on 2 or 3 occasions with oversight from Texas XXXX.

I was denied credit today as Equifax is reporting an XXXX foreclosure and negative in city from XXXX. I have never heard of XXXX.

I need this matter corrected immediately.

Kind regards XXXX XXXX
American Express declined to increase my limit, they provided me with incorrect reasoning and a false credit score. When contacting customer service on multiple occasions they told me they were transferring me to the correct department when they were realistically sending me to start a new call. This was on XX/XX/XXXX. The date the credit limit increase was requested was on the XX/XX/XXXX and they claim the request was made on the XX/XX/XXXX. This is for a corporate credit card. At this point I feel I am being discriminated against for my age or for their knowledge of my previous credit scor prior to corrections. Also, with my previous employer my credit limit was set at XXXX and now this is set at XXXX. Im being forced to utilize this credit card through my employer. I need them to correct this and provide me what is provided to the rest in my company without discrimination.
I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL 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 CREDIT SYSTEMS INTL 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
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media
I have an Inquire from XXXX on XXXX XXXX,2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
I submitted a previous report to Equifax and was told The company needs authorization from me to proceed with my complaint. Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot. 
On my previous complaint directly to XXXX XXXX XXXX I was replied the following : On XXXX XXXX, 2016, an application for a XXXX XXXX XXXX XXXX account was submitted using your personal information. When an application is submitted, the applicant provides authorization for credit information to be obtained by the Bank. The Bank reviews credit information to determine an applicants creditworthiness. Credit information is pulled one time when an application is submitted. The inquiry showing from the Bank on XXXX XXXX, 2016, was a result of the XXXX XXXX application being submitted. As such, the inquiry on your credit file is accurate. The letter regarding the application is enclosed for your review. We respectfully decline to request removal of the inquiry from your credit report at this time. If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. 
I have tried contacting their Account Protection Team to express my concern regarding this unauthorized inquiry and have received no reply or answer to my concerns. 
For this reason and the previously stated I wish for the unauthorized inquiry removal.
I took out a consolidation loan with XXXX XXXX in XXXX of 2000. The original amount of the loan was {$74000.00}. 

With the exception of two periods of forebearance when I was on XXXX XXXX, I have made payments ranging from $ 500- {$600.00} per month for 18 years. This is the amount required under my payment plan. 

The loan is currently managed by Navient. 

My current balance is {$65000.00}. 

I previously complained that my payments are not being correctly applied to my principal balance. The amount that is applied to my principal balance month to month varies, even though my payments are the same each month. 

I feel they have incorrectly applied my payments over the years and that is why my principal balance is still high after 18 years. 

I would like an independent audit to be done on my account from someone other than Navient and/or XXXX XXXX to ensure that XXXX payments were applied correctly and if not, I would like the balance to be adjusted accordingly.
On  XXXX / XXXX /   16  I Filed complaintforOLD DEBT Collection on  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  : complaint #  XXXX . We did not hear from them again until today. Today we received a Court document from  XXXX   XXXX  of California  , County of    XXXX    located at  XXXX , Ca. saying that  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has filed a Substitution of Attorney -- Civil ( Without Court Order ) to new attorney The Moore Law Group,  XXXX  under name  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   ,  Ca.  XXXX . I would like to file a complaint against both attorneys who are harassing me in regards to this very old debt. Please contact this attorneys in regards to this complaint immediately.
I have Inquiries on my credit file that I have not sign or agreed on promotional inquires and regular inquires. 

Wrong information I have Inquiries Such as promotional Inquiries and other Inquires on my credit file with out my permission and wrong information.
I closed the account and left the country. I lived in XXXX for the next 5 years and come back to realise that i have debt.
I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 
1 XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXXXXXX ( XX/XX/XXXX) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX (XX/XX/XXXX ) 7 )  XXXX XXXX. (XX/XX/XXXX ) 8 ) XXXX XXXX XXXXs (  XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX 10 ) XXXX XXXX (XX/XX/XXXX) 11 ) XXXX XXXX (XX/XX/XXXX )
This claim has already addressed by CFPB. I want a re-investigation This is about One Main Financial : Company falsely charged me and sent my name to collections for a debt I do n't owe. 

One Main has never responded to any of my letters. This is the first letter that I received from CFPB. I need company to re-investigate this claim. I am asking One Main Financial to provide me with evidence bearing my signature or any copies of documentation they have. They have replied through CFPB with a long letter with no evidence bearing my signature. I am making a final goodwill attempt to have this company clear up this matter.
This is a complaint against Wells Fargo 's checking account fees. Wednesday XXXX XXXX, XXXX an e-check I had written arrived at my bank account, typically when a check arrives regardless of how much money I have in my account, it is identified as " pending '', if I do n't have the correct balance to cover the charge, I then have time to deposit the cash and avoid any fees/charges due to non sufficient funds, however on Wednesday XXXX XXXX I never received a notification that the check had arrived and it NEVER showed any form of indication that it was presented to the bank. On Thursday evening XXXX XXXX at XXXX I received an email stating, " unfortunately, on XXXX/XXXX/XXXX your balance in your Wells Fargo account XXXX was insufficient to cover XXXX or more of your checks '' that I would need to go to Messages & Alerts inbox to find out more. My husband and I immediately logged into our bank account online, yet there was no mention of this e-check on Thursday evening at XXXX, it never showed up as pending or insufficient. The next morning we checked online again and it appeared in our account as having arrived on XXXX but not pending, but simply being returned. This transaction bouncing caused me alarm enough that lead me to believe my account had been compromised, I was suspicious that my account was so messed that I called on Monday XXXX/XXXX/XXXX, cancelled my overdraft protection plan, which normally would have taken all my funds from my savings account, I then moved all my money from checking to savings and then put a stop payment on other checks that I knew were going to arrive in the account on Tuesday XXXX/XXXX/XXXX and Wednesday XXXX/XXXX/XXXX, there were a total of XXXX e-checks. Even after paying the {$35.00} fee for XXXX NSF check, I had to pay the stop payment fees of {$31.00} for each e-check stop payment, which was better than having to pay the {$35.00} NSF check fee for all XXXX checks. Today, XXXX/XXXX/XXXX I check my account and Wells Fargo has charged me for XXXX stop payment fees instead of XXXX which throws my checking account into the negative, which caused them to charge me {$35.00} NSF fee AGAIN. It 's NOT just that they messed up my checking account with their lack of reporting my pending transaction properly, they messed up my e-check check cashing service, I had to close those accounts and now have nothing but trouble getting everything back in order. PLEASE help me, I feel like I am a victim of Wells Fargo Bank Bullying. Even when I went to the local branch on Friday XXXX XXXX, they were no help, noone in the branch could tell me how this could have happened and no one could help me to clear up the no-show/overdraft problems, they said I could come back and meet with a banker who may be able to look of the code of why it was not reported on my account, but that was too close to XXXX to get anyone to work with me. I need help, I ca n't argue with this big bank.
I contacted Transunion on XXXX XXXX, 2017 @ XXXX informing them of the fraudulent inquiries on my credit report due to a computer glitch that was Transunion problem caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required 5 day notice prior to them being re added. I was transferred around until I spoke with a supervisor whom I explained to that my identity had been stolen and I sent them a copy of my police report months ago to no avail. The supervisor located the documents and proceeded to transfer me to the fraud dept whom he stated would help me with the removals of the fraudulent inquiries. In turn I was hung up on after being on the line for 42 minutes and did n't get to speak with anyone. All of these inquiries add a hardship and my rights were violated by Transunion. I asked that the CFPB help me stop Transunion from victimizing me.
We fell behind on our mortgage in XXXX due to hardship. Despite monthly attempts to CCO mortgage for forbearance, we received none. The representative, a XXXX XXXX XXXX from their collection department, repeatedly pressured my husband and I, XXXX, to short sale our property. Because we help over XXXX in equity, we found this repeated suggestion harassment. The In XXXX XXXX, we applied for of loan modification of our mortgage. We promptly provided all the required paper work, including a copy of my husbands XXXX and his XXXX XXXX statement reflecting his XXXX XXXX retirement income. XXXX XXXX then repeadedly called my husband requesting " the letter of permanent retirement income from XXXX ''. Despite My husband 's attempts to convince XXXX XXXX that this letter did not exist, XXXX XXXX continued to insist and to pressure us to short sale. In XXXX XXXX, XXXX XXXX closed and destroyed our loan re-modification application and our mortgage was then sent to forclosure. The day we recieved the notification, I promptly called XXXX XXXX supervisor and started a new application. Our paperwork arrived to CCO mortgage in 3 business days. We were accepted for an internal loan modification, however, we were charged between $ XXXX {$1000.00} to remove our loan from the foreclosure department. We agreed to this for fear of losing our home. We signed the loan agreement in XXXX of XXXX and have been on time with our mortgage payment since. My attempts to discover what exactly happened and how much we payed for the " forclosure Fee '' have been ignored. I know this practice was not legal and was another mortage company trick used to cheat consumers. We would like to recover this money and have it applied to the balance with interest.
Some one from this phone ( XXXX ) XXXX claims he is from collecting agency collecting a debt for XXXX XXXX. He has a first name and last name only. When I ask fro the middle initial he always refuses to tell. However he wants my birthdate and/or Social Security number. I will not give that information to no one over the phone. I had given him my middle initial a while back. I had told this person to stop bothering me for I pay my bills on time. 
The man I talked to name is XXXX. I called back to get the company name. 
I know there is a man with the middle name " XXXX '' that do n't pay child support or his bills. 
I was sent a court order from the state of XXXX for me to submit a DNA test. That 's how I found his middle name. 
I got tow calls from this individual today. I finally told him " if you think I owe you money suit me. 

I am tire of getting this calls from this people harassing me. He call XXXX today. XXXX call after the other. Can you please help?
Collection agency, who claims to be a law firm, XXXX XXXX XXXX XXXX XXXX, sent me an initial letter dated XX/XX/XXXX, allowing me 30 days to dispute the validity of the debt. 

HOWEVER, the actual postmark on the envelope and the mailing date was much later, on XX/XX/XXXX, thus shortening the amount of time I had to dispute the debt by NINE DAYS.
I have a mortgage with Wells Fargo. Wells Fargo had offered a program to oo offer a lower interest rate if I see a lower interest ; I called Wells Fargo, I was told I qualified for lower Interest rate. When I called, to find out why I was n't was n't contacted for the lower interest ... Well Fargo denied any record of me making a phone call for the special program to lower my interest rate I notice that each time I called Wells Fargo the representative knew my mortgage loan. Their computer identified me by my phone number and the Wells Fargo representative new my name and loan number. I believe Wells that Wells Fargo knowingly discriminated against me ...
Here are List of inquiries desired to be deleted, Their customer service would not help and take care of the negative inquiries reporting to my credit report for Trans union They gave me an attitude about speak with there manager. 

XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX # XX/XX/XXXX
Mortgage was held by Stearns Lending in my wife 's name only. ( Both our names were on the house title. ) My wife passed away in XX/XX/XXXX and Stearns was notified. The mortgagor 's name was changed to " The Estate of ... ''. I continued making the mortgage payments under this arrangement until XX/XX/XXXX when I bought the loan from Stearns. Stearns sent a check to The Estate of in the amount of {$1000.00} which I believe was a refund of funds impounded for property taxes. I spoke with a Stearns representative on XX/XX/XXXX and asked that the check be reissued in my name. The rep was to send an email to their Escrow Department. A month passed and there was no communication from Stearns. I called again on XX/XX/XXXX and spoke to another representative. She acknowledged my previous call about this issue. After she consulted with a supervisor, I was told that the check could not be reissued in my name since I was not the mortgagor. She said that the loan was not assumable, which is true. I asked what would happen to the money I paid for property taxes and she did not know.
Complaint against false advertising and misrepresentation. Applied for a XXXX XXXX XXXX credit card on XX/XX/XXXX which had a opening welcome bonus of 2 weekend free night certificate after {$2500.00} in spend. Called on XXXX XXXX to Citicard credit card application line to confirm my eligibility for welcome bonus before applying online. Rep confirmed that my prior XXXX XXXX reserve card opened on XX/XX/XXXX did not affect the bonus eligibility of the new card application in XX/XX/XXXX. However after being approved for the card in XX/XX/XXXX and spending {$10000.00}, Citi sent a letter that they would not honor the 2 weekend night certificate bonus. Called on XX/XX/XXXX to Citi ExecutivXXXX customer service line but rep XXXX reiterated that since my original account was closed on XX/XX/XXXX and since my XX/XX/XXXX application was 3 months shy of the 2 year bonus eligibility rules Citi would not be fulfilling the bonus.
The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXX XXXX, {$350.00} 3 ) XXXX XXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}
Premier student loan center did not infrom me that i could fill out the form on My own without charge. They didn't inform me that what they are charging me i could do it for free on student loan.gov. They have already charged me two months of {$230.00}. The dates were XXXX XXXX and XX/XX/2018. I wasnt aware they were a third party. I have been trying to contact premier student loan center but they never returned my call.
XXXX 2017 I received a phone call from a debt collector indicating that I have an outstanding balance from a medical service. I asked for them to send a notice of the debt and where it came from but I never received it. I have no knowledge of this debt therefore, I want this removed from my credit report immediately.
I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me  as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.
i went online and call all three major credit bureaus ( XXXX, Experian, and XXXX ) about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also Experian refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX XXXX
I was contacted by the debt collection agency on XX/XX/2018 by phone call and email. I contacted my employer about my health insurance company throwing me into collections as I have health insurance through them. I also reached out to my health insurance company. Both my employer and my insurance company told me that this sounded like a fraudulent attempt at collecting money from me. I told the agent XXXX by email on XX/XX/XXXX that she should no longer contact me by phone and that I would like written proof of this debt as none of her information matched anything I had. She sent me an email on her company letterhead stating I owed money to XXXX XXXX. The termination date for my insurance does not match what she sent me. I asked her not to call me, that the debt was disputed, and that I wanted proof of this debt. Instead I got two more phone calls and another email. After specifically stating in my XX/XX/XXXX email that I did not want to be contacted by phone, I have since received multiple phone calls, the latest of which was today.
Applied for a loan and was told I needed to send a XXXX dollars via XXXX card as verification of employment to receive a XXXX Loan and when that was done the funds would be deposited into my account but when I completed that the company told me I had to pay an additional XXXX for federal taxes. When I told them I was n't sending anymore money they started threatened me with legal action
On XX/XX/XXXX I submitted letters to Credit Companies about inquiries in my report that I didnt recognize dating back to XX/XX/XXXX. They have yet to honor my request to remove the incorrect information. I submitted police reports but still no replies. 

I also show XXXX and XXXX has removed a debt but trans union still carrying it. I would also like that removed.
PORTFOLIO RECOVERY SERVICES OUT OF GEORGIA CALLED MY WORKPLACE TRYING TO COLLECT ON A SEVERAL YEAR OLD DEBT FROM XXXX XXXX CREDIT CARD. I DEMANDED THAT THEY NEVER CALL ME AT WORK, AND THEY SAID THEY WILL CALL WHENEVER THEY WANT. THIS CALL CAUSED ME GREAT EMBARRASSMENT WITH MY STAFF DISCLOSING THAT I HAVE A DEBT IN COLLECTIONS.