WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I received a title loan for my XXXX XXXX XXXX Vin # XXXX  that I bought outright from a individual in XX/XX/XXXX or so of XX/XX/XXXX with a salvaged title, the account is currently 58 or so days past due because in XX/XX/XXXX, I received a notice from the Texas Department of Public safety who advised me that they believed that the vehicle was stolen sometime before XX/XX/XXXX from a XXXX plant in XXXX, Tennessee. After an investigation by a DPS agent, it was determined that the vehicle was in fact the vehicle that was stolen from the plant which had been paid off by the insurance company for XXXX XXXX. For this reason, the vehicle was seized by the XXXX on XX/XX/XXXX pending a property hearing that I had to attend at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Through the hearing I was granted sole ownership of the vehicle except by law it had to have everything changed over. I had to pay close to XXXX to get it out of the impound which was about the amount of the first loan payment, get the vin # reassigned with the state of texas, get it inspected and have it re-registered and re-titled to reflect what the vehicle actually is. I very recently, about a week, maybe 2 weeks got all of this done. So as said by the State of Texas, I am the owner of a XXXX XXXX XXXX vin # XXXX that has a clean title. On Friday, XX/XX/XXXX XXXX legal services illegally repossessed the vehicle by breach of peace being that I live on private property in a gated community that requires a gate code or clicker to enter, the last 6 of the VIN that would n't have matched the repossession order is displayed on the tag that I had just obtained on the XX/XX/XXXX and is also tagged inside the driver door of the vehicle. I advised the repossession company that it was illegal to repossess a vehicle that they do not have a proper order on or contract for. I advised them that all legal and binding documents including the power of attorney was for a XXXX XXXX XXXX, NOT the vehicle that they are in possession of. All of this information has fell on def ears, I am now without a car and have yet to hear anything from anybody concerning my car or the loan for that matter. In speaking to the agent XXXX at XXXX, he stated that I was trying to scam the loan company which is utterly ridiculous, I was not aware of the issue with this vehicle when I originally bout it, nor when I got the loan. I am a victim of a crime and was acknowledged as such by a Judge for the State of Texas as well as the auto-theft taskforce in XXXX XXXX who are the people who gave me the XXXX reassignment documents. I did not change the vin and have to do all that I had to do and go through to avoid the loan, these are things that happend because of the original crime that I was a victim of. A XXXX XXXX with a salvaged title is worth no where close to what a XXXX XXXX with a clean title is worth so even that is unfair. If I wanted to avoid the issue with the loan, I could very easily file Bankruptcy, that is not my intention for the record.
Last week we settled a debt with the law firm, XXXX , XXXX XXXX XXXX XXXX, XXXX. They represented Huntington Bank in a repossession of a car. They told us we had to pay a minimum of {$2000.00} to get the hold taken off of the bank account I have with my husband. We paid {$7000.00} and they were willing to call the debt paid since that was the bulk of the debt. They told us all holds would be taken off and they would handle the legal work. We asked for documentation that the debt had been paid and that we would n't be bothered by them again. It has been a week later and the hold on our bank account has not been taken off and we have received no documentation that the debt has been paid. We want this finished. Please help us.
I have sent in 2 written disputes XX/XX/XXXX, XX/XX/XXXX and countless phone calls. In my written disputes, I have asked for all non-account holding inquiries be removed due to no being authorized by me. I have attempted to contact the companies and each company has no account or information that matches my profile.
This Company continues to call for a person that is not me. I have spoke with them 3 times telling them I have had this number now for 2 months and I am not the person they are looking for. They left a message again today for this other person they ask for which is XXXX XXXX. I called back and the person I spoke with stated his name is XXXX XXXX, which I doubt it was because it seemed he had to remember his name. I told him that I am not who they are looking for and he said he put me on hold and then he just hung up. When I called back their line would not even accept my call. I am just trying to get them to stop calling. I do not believe that Miller Stark Klein and Assoc. care about bothering anyone even when they know they have the wrong person.
Regions Bank had a public link that stated that by opening a XXXX XXXX Account and making a minimum number of debit transactions there would be a {$400.00} bonus. I submitted my application for this checking about along with the promotional code. My application was accepted, I funded my account, and ordered my debit card. It was only afterwards when corresponding with Regions customer service did I find out the offer had expired. It is not the premature expiration of this offer which concerns me ( the public offer had language that this public promotional code was good until XXXX/XXXX/2017 ), but the fact that at no point during the sign-up process did anything indicate that this offer was no longer valid. This is clearly a bait and switch, to the detriment of me being able to take advantage of other offers with them or other banks.
In  XXXX  of   XXXX  , we applied at our local bank to refinance our home. Inaccurate facts were found on our credit report from Equifa x Information Services.  The inaccuracies were showing as fraud alert information. Our home address was listed as a hotel/motel and both of our SS numbers were questioned. We called and sent Equifax a letter in  XXXX  of   XXXX  . We did not hear back from them. These inaccuracies are hurting our credit score and keeping us from refinancing.
XXXX XXXX XXXX -I believe that the above debt collection company purchased my debt from a Capital One credit card - my issue with them is that they called a phone number that had no association to the account and that I had never listed on any documents affiliated to this account. The phone number belonged to my XXXX year old parents - how they found it? I have no idea. What are my rights? What are their rights? I do not want them to ever call my parents again, and I would like for them to stop calling me.
Did not receive notification of this debt for {$1200.00} Currently, I live in XXXX XXXX.
My daughter leased a car and I co-signed through a dealership. XXXX XXXX financed it. When the lease was up we went to the dealership and she decided to purchase the car. The lease was paid off by the dealership and she financed through a bank. More than a month later we both realized that our credit scores plummeted. Come to find out XXXX XXXX  had reported a late payment. Through many calls and emails between the dealership and XXXX, after XXXX tried to blame the dealership it was discovered and proven that it was a mistake that XXXX made. Every time I try to find out why our credit is still not fixed after 2 months XXXX basically said it was fixed. They also said they were sending a letter for us to use if necessary admitting their mistake but it has not been received in the past 20 days. When I called they said it must have been lost in the mail. This company has the worst customer service I have ever dealt with and lying seems to be the norm. After looking at all the reviews online at consumer affairs I dont understand how they can still be in business.
I went through annualcreditreport.com and was only able to gain access to XXXX. Experian and XXXX did not provide reports. Both times connecting timed-out and then said I 'd have to try back in 12 months.
They 've been calling constantly all day long for weeks now. When I 've answered the phone, they either hang up or just breath into the phone. I had to block the number. I XXXX the number and saw that it 's Credit Collections U.S.A., who have ALOT of complaints against them. I have NO debts. If they 're calling about my ex wife, we 've been divorced over 15 years and I 'm not responsible.
I have a credit card with XXXX XXXX XXXX and financed with XXXX XXXX. The agreement was o payments o interest until XX/XX/XXXX they charged ne 38 every month and additional they report the account past due on my credit report. I submit a dispute and they corrected the credit report as outstanding for the month of XX/XX/XXXX. On XX/XX/XXXX they reported 30 days past due again and I made. I wanted synchrony bank to correct my credit report and eliminate the 38 charges for late payment. That constitute a deceptive and abusive action from XXXX XXXX. They also decrease approved credit limit.
In addition to contacting me, they are looking up phone numbers of relatives and people with the same last name as me. People whose numbers I would never give out.
These are all the hard inquiries that I did not give permission to companies to run. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX
Since XX/XX/XXXX, I 've received a series of very intrusive calls ( from XXXX, XXXX, XXXX, XXXX and XXXX ) that have come from either PNC Bank, or just a person or persons claiming to represent them. My phone 's caller ID does not display the particular number involved with any mention of PNC or a bank in its heading like it usually would. ( I 've had several legitimate contacts from them in the past ; and these are different. Usually letters accompany their contacts - but not this time. ) The calls come daily and several times a day. It seems that the callers are determined to be more and more persistent. 

In each of the couple of times they were answered they were told that they should already have certain items of information on file. They insisted that I give them vital account-related and personal financial statistics and were refused. However, my refusal went over their heads. They then asked about my granddaughter, XXXX, who was recently XXXX after 17 years of working for them for a group of strange and unsubstantiated accusations ( XXXX ). They questioned the validity of a check I wrote myself on an account I have with her there. They also tried to attach me to an account ( for loan payments ) which I do not own. ( It may be my granddaughter 's. ) They prompted me to make a statement as to " elder abuse '' allegedly committed by my granddaughter. I know her and my accounts well and nothing out of the ordinary took place with the exception of these rude and pointless attempts to unsettle me and steal parts of my identity. ( They may be trying to " fix '' her because she complained about not being paid for overtime. ) It seems that they think I have XXXX. I may be old ( at XXXX ) ; but it does n't mean I 'm senile. I am of sound mind. If the calls do n't stop a restraining order will be placed. The authorities will be contacted. I 'm tired of being harassed. 

Attached is a partial list of the dates and times on which they phoned and other documentation. 

Sincerely, XXXX
Last year my sister send me {$2000.00} from her chase account to my back of america account. my sister use my email address to send the money ; this email address was not register in my account. The money was deposit in a internal Bank of American Account. Now Bank of America do not want to return the money to chase. Every time i call, no one know how to help me.
In XXXX of XXXX, Applied for help throught XXXX XXXX XXXX ( XXXX ) to negotiate a lower rate on mortgage paid approximately {$4500.00} total for the help. In XX/XX/XXXX was told could not do anything for us and to look at filing CH XXXX. I later found out XXXX was not licensed to do business in the state of MD. Had a previous mediation, had to borrow $ XXXX to keep from losing the house. Had a company write a complaint to CFPB, but it was never filed. I feel my wife and I were victims of predatory lending.
I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
I disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX/2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX/2016 when I could not get either entity to follow Federal regulations.
This account was sold to collection agency against Hipaa violation. Account was sold for {$6000.00} and got a call about trying to be sued. I have not signed or received any paperwork from company. XXXX XXXX and XXXX XXXX have went against the Hipaa law. Now I get a letter about wage garnishment but yet to receive proper paperwork. This is unethical of this company to sue without summoning myself with proper documentation.
I would like to file a complaint against Navient. I recently received mail that half of my loans were not included in my consolidation request due to reason 8. I XXXX XXXX XXXX, 2017 so my loans should not be in an in-school status. Navient knows this I have informed them multiple times. I previously applied for and was accepted into the PAYE plan which was then replaced by the REPAYE plan by navient. When I called to rectify I was told they were the same thing and would cost the same - This was a lie. The REPAYE plan will cost me more than {$150000.00} more in the long run. I was incorrectly told I could apply for auto pay and save .25 % only to be denied when completing the autopay application. I was told that I would be able to begin loan payments toward PSLF and PAYE only to find that loans in grace periods will continue to grow and will capitalize in 6 months without a consolidation. These are all practices which are unlawful and will cost me a significant amount of money. I am now waiting for a loan consolidation application which apparently will need to be redone now that they do n't have half the loans included. Every day I continue to grow interest which will capitalize to a larger amount the longer they give me the runaround. I tried to call today and was told due to a high school volume I need to schedule a call back in the future - this is unacceptable as everyday costs me money and every day that money goes to their profits instead of hiring more representatives to resolve these issues.
We have been contacting the debt collector BYL services for a week trying to pay off a debt. They are mishandling our payments. They asked for card information then said there was a system error. Then they took our bank account information and said it will process in 10 minutes we called 2 hours later then they said well it did n't go through so we need your card information again. This is very frustrating because we are actually trying to pay off debt and move into our apartment but we are depending on this collection company who keeps giving us misleading information.
On or about theXX/XX/XXXX I sent a letter to Professional Debt Mediation , Inc . The intend of this letter was to offer them an amount and in return, they would remove the debt they posted to my credit file. In that letter, I was insistent on the fact that because I offered to settle on that account, that in no way meant that I was acknowledging that debt of accepting it as my own. On the XX/XX/XXXX, I received a letter addressed to me from Professional Debt Mediation , Inc . In it, was a confirmation of debt. This confirmation of debt, however, is for someone by the name of XXXX XXXX, also referred to in this correspondence as XXXX XXXX. I am not XXXX XXXX  ( XXXX ) nor have I ever been associated with someone by that name. I have never lived at XXXX XXXX XXXX Apartments nor have I ever signed a lease there. Professional Debt Mediation, Inc. not only violated someone else 's privacy and confidentiality but they also failed to properly confirm my debt with them.
I accidentally pulled more money out than I should have from my account and one of my monthly Fedloan automated student loan payments did n't go through. However, Fedloan has a practice of trying to pull the amount 3 different times every 24 hours. So I discovered this after Fedloan 's 2nd attempt and had already been charged {$70.00} in overdraft fees.
I 'll make a separate issue for overdraft fees since that 's a problem for my bank. But why is Fedloan trying 3 different times? They should only try once and if it does n't work, notify me so I can pay through a different method.
I was never notified that I had an outstanding balance with the XXXX XXXX XXXX XXXX XXXX. I have an still enrolled and have paid for clasees now and have not had a notice of delinquency. I also never received notification from CONSERVE collection agency was attempting to collect a debt. I found out by looking on XXXX XXXX. 

The account with Conserve was paid on XXXX. It is still however being reported in XXXX. So my paid collection is not 11 months old it is 1 month old or new, drastically lowering my credit score.
They sold the debt to a different debt collector but did n't remove their remarks from my credit. The debt has been paid regardless expect H & R Accounts wont remove it.
The total balance of the Lowes SYNCB was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of XXXX, XXXX, and XXXX. Tried to resolve with Lowes but failed to do so. I need the correct balance of {$0.00} to reflect on the credit report.
Earlier today, XXXX/2017, I applied for a loan on-line with Big Picture Loans. When I was nearly finished applying, they quoted payment plans with APRs of at least 555 %. I did not select any repayment plans or loan amounts. I also called customer service at XXXX. I firmly said that I was disgusted with their usurious APRs and did not want a loan from them. Soon after, I received an email stating that I was being considered for a {$470.00} loan. I immediately replied that I refuse ANY offer, and that I have contacted the FTC and CFPB. I then received an email from Big Picture Loans Support, stating that they have cancelled the loan. These emails have been copied and pasted below.
1. XXXX XXXX LATE PAYMENTS XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX LATE PAYMENT XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX-RETAIL ACCOUNT {$1300.00}
This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$520.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verificaiton and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
I attempted to make a transaction I never received the product or services and was still charged, after becoming aware of this I immediately contacted BBVA Compass to dispute and was awarded a refund but was still charged several overdraft fees because of it. The bank stated that Federal bank regulations would not allow them to refund the overdraft fees because it was not a bank error. I 'm refusing to have to pay the bank fees for transactions that are not valid.
i have voicemail from an automated system on XX/XX/XXXX and advised them not to contact me at my place of business and they did the next day. i called them back advised them again to not contact and again i was advised the number is removed again and it may take 24 hours. again today i received another call from them and spoke with the supervisor, who said they have removed the number.
Equifax verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFBP to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report
Account was taken over by XXXX. Credit history showed account in good standing from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX the account was reported to the credit bureaus as XXXX days late. No information was reported in XX/XX/XXXX, and account showed current in XX/XX/XXXX. It is impossible that there could be a delinquency of XXXX days in a month of XXXX days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.
My student loans have been paid in full and I requested that Transunion remove the duplicate accounts. They have completed my dispute and are now reporting my student loans as open and t hat is not correct. I had XXXX pay my loans in full and I have documentation to prove that my loans were paid in full.