WillisBack/dataset-financial-user-claim huggingface dataset:
I bought a new XXXX XXXX  XXXX from the dealership and signed a contract to pay them x amount. I now, 5 months later, owe more than I borrowed from USAA Federal Savings Bank in XXXX XXXX, XXXX   and have made no principle payments while I put XXXX miles on the vehicle. Hard to say but it's probably close to $ XXXX in principle and equity I have lost. The only options I had for payments for the past 4 months was to pay the entire balance until this week where I can now start making regular payments, every 2 weeks. I have called USAA 5 times about this with no resolve. I heard it is illegal to charge someone interest without giving them the option to make payments and bring the balance down. They did not give me that option. They took the dealers check, which still didn't solve the problem and used it to make the first 4 months payments on the additional amount I never borrowed???????? Even then the balance was still more than what I borrowed. They tried to blame the dealership but they received from the dealership a signed contract with the balance due and should have never charged me anything over what I agreed to pay, nor should they have been charging me interest on anything over the past XXXX XXXX months. To this day I have never been able to get the balance due down to the original loan amount. This is completely unfair and there's nothing I can do about it. You need to change the laws to protect consumers. Tell everyone in the country that if this happens to them there's nothing they can do about it if they live in another state as their bank headquarters. It's completely ridiculous. Or you need to change the law and not allow people to use out of state banks for this reason. Now the bank won't even talk to me about this.
I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last XXXX months. I have purchased a protection program with Equifax and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for Equifax, as I have purchased their product that charges me {$19.00} a month, but reap no benefits of the product except for receiving emails that accounts have been opened in my name.
XXXX scheme. 
Perpitrator sends via USPS a fradulent cashier 's check and then asks you to wire a portion of the check via Western Union to the " movers '' who will come and pick up the furniture. Once the money is wired the cashier 's check is cancelled and you are now out the money that has been wired via Western Union.
Equifax has FAILED TO PROVIDE proof that they actually took reasonable procedures to investigate the items on my credit report that I have NO SIGNED contracts for that appear on my credit report I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature! XXXX has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.
I am sure that you have received XXXX these for student loans, private and federal, but I 'm not greedy. I understand that I signed the paperwork and agreed to the loans, but when you 're signing paperwork for a student loan program that was invented by XXXX XXXX to pull itself out of the proverbial boiling pot because it lied to the government and its investors, well then I think personal responsibility can then go out the proverbial window. No one signing you up for a loan is going to tell you that the loan is bogus and that it was created for the sole purpose of covering up XXXX 's accounting fraud. 

I am not asking for my federal loans to be wiped XXXX that would be outstanding, though ) simply because that was a legit loan, not a cover-up scheme of a shell of a loan. I am, however, requesting that you look into the PEAKS loan enterprise in hope that I may receive some relief from them. It is absolutely absurd and inconceivable that this type of fraudulent concoction of deceit can still be allowed to fester and infect students ' lives. It needs to be shutdown and that is why I am writing you ... .yes, relief would be nice to save XXXX dollars, but the thought of PEAKS and XXXX not being able to ruin other lives is so much more fulfilling to me. Please do not brush this under the rug. 

I hope this finds you well, whomever is handling this, and that you have a great day.
this is a continuation of complaint XXXX banksaid that they had previously looked at the complaint andbasically refused to look at the facts again. they have notlooked at them the first time. this is not acceptable. 
they want me to go back to my credit union. the creditunion did not submit the check, Bank of America did ( note onsignature line says that check was verbally authorized bytheir depositer ). 
bank of america used a pre authorized checkBank of America submitted it overa, month after the loan had been paid off. 
the loan number is on the front of the check. 
the back of the check proves it has been cashed. 
b of a maintains they did not cash the checkthey are misrepresenting and denying what thefacts show happened.
On XX/XX/2019 I was assessed 5 OD fees in the amount of XXXX a piece by M & T bank for 3 ATM withdrawals and 2 Debit card transactions. I have banked with almost every institution and never in my life have I ever received an OD free for a Debit card transaction. Not only that but, i did these transactions prior to signing an authorization for giving M & T Bank permission to allow ATM withdrawals and debit card transactions that would result in possible OD fees. I feel I should be refunded the total fees the fees are more than all the transactions combined. Since I opened my account I have never had an OD fee until now and I never received a fee when my account went negative accidentally from a debit card transaction until now. I spent XXXX dollars at XXXX and XXXX cents at XXXX XXXX and it cost me XXXX dollars to do so. I have tried to rectify this situation with M & T directly with no success. Hopefully you can mediate to get them to reverse the fees as a one time courtesy and also since again the acknowledgement what done after I had already processed these transactions.
In XX/XX/XXXX a account was opened up at Conns under my name. I have repeatedly gone thru all of this with Conns and the credit reporting agencies. It was part of ID theft. Conns has refused to let it go. As of today XX/XX/XXXX the debt is sitting fresh only 10 days old in the office of connstar. Conns collection agency. Conns is reporting the debt fresh on my credit report every other month and keep submitting back and forth to the in house collection agency. Therefore they can keep the debt fresh and able to report it. 
Under Texas state law you only have a 4 year statue of limitation to collect on unsecure debt or credit cards. So as a default this account automatically should be removed as of XX/XX/XXXX. I have attached all my documents including Police report and recordings of proof that it is in the in house collection agencies office. The collection agency gave me a email to use but email doesnt exist. This has been a problem over 4 years now. And they only have a invoice which is not my signature. In fact I wasnt even in town at the time I was in Nebraska for the XXXX XXXX XXXX.
I have a loan with CITI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CITI with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX
Experian fails to indemify identity theft accounts by placing a block on those accounts in accordance to the FCRA section 605 ( b )
I had several XXXX XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Prior to my account becoming late, I contacted the Toyota Financial. I was told that I would be able to put the payments that I would miss on the end of the loan, so my account would not go late and would remain current. I was assured by the representative this would not result in me being reported late. It would however, result in my loan being extended. I agreed with the assurance that my credit would not be late. Nevertheless, I was given the wrong information, and Toyota reported my account late. I have tried the last 8 months to no avail. I was duped into extended my loan and the item being reported late on my credit.
XXXX has placed mortgage loan on my credit account number ending in XXXX this belongs to my father at the same address. I have asked several times for it to be removed. All three credit agencies refuse to move the information. yet fail to provide me with any validation of the loan. Recently, I sent each agency documents showing the loan ending in XXXX was not my loan. That I had another loan with my father ending in XXXX ... I sent them copies of the original documents of both loans.. They still refuse to remove the XXXX credit from my file and still provide no hard evidence as to why. I have been sending letters since the beginning of XXXX. To both the credit agencies and to XXXX XXXX XXXX and I am getting no where. Transunion - Dispute Results From TransUnion TransUnion received your request on XXXX XXXX, 2016 and completed their investigation on XXXX XXXX, 2016. Please review the results carefully. 

Result : Based on your dispute request, TransUnion has included new information on your TransUnion credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 

Account Name Account Type Open Date Status Balance XXXX Mortgage This is at least the third time I have disputed this information with Transunion especially and with XXXX XXXX XXXX as well. Where do I go from here..
I obtained a personal consolidation loan to pay off three high interest credit cards. They issued three checks made out to the card companies and I sent each of them out overnight mail. One of the checks the card company ( XXXX ) says they have n't received. I was issues a credit in the amount of {$1700.00} the amount of the check because the company was uncertain if the payment was received. A few weeks later the card company said that they had not received the payment. On XX/XX/XXXX I contacted XXXX at One Main Financial in XXXX XXXX to find out if they could make certain the check was cashed. The said yes that the check was cashed on XX/XX/XXXX. I have been back and forth with both companies over the past 3 months to find out if the check was received and cashed. The credit card company told me on XX/XX/XXXX that the payment had been received and was cashed and I proceeded to use the card for both my sins birthday {$410.00} and a down payment on a car {$500.00}. I just received a statement from the card company saying that in fact they had not received the check and my card balance is {$1300.00} over the limit. I am paying the loan to One Main Financial and  interest and late fees on the card balance and have been unable to obtain a copy of the cashed check from One Main for the past three months and they repeatedly tell me that they have requested it and they will forward it to me when they can. I phoned their main customer service office today XXXX XXXX, 2017 and was told the same thing, they will forward it when they can. I do n't know what else to do.
On XX/XX/18, I contacted Capital One Credit Card customer service to balance transfer {$25.00} from my bank account to increase my credit balance to hold my rental vehicle for an additional day. 

I was told my the customer service supervisor this feature was not available on my type of credit card which is quantified as " secured ''. I advised him this had been done before my simply by verifying funds available in my account. He stated this was done incorrectly, and was a Capital One decision not to offer this feature on " secured '' cards. 

I advised I reviewed my T & C 's online and do not see this called out and if this was indeed a specific policy that impacted credit decisions for my card I needed this in writing. I was told this policy was unavailable. Any policy that impacts credits or funds transfer availability should be available to all consumers to ensure proper decision on credit card companies. 

When told I wanted to file a formal complaint as there is clear inconsistency in service options, I was told the supervisor would submit a complaint to the " back office '' however they could not guarantee a return call. I told the supervisor this was unacceptable and I believed the information provided to be in violation of the FCRA. I asked to speak to the compliance department and was told Capital One did not have a compliance department. A large credit company under regulatory oversight without a compliance/audit department is clearly a falsehood. I do not appreciate being lied to by my credit provider.
Line of Credit was discharged in bankruptcy. 

IndyMac Bank ( now owned by OneWest ) did not and will not remove a lien they have on our home despite the fact that they themselves acknowledge that the debt has been discharged, there is no account for the collection of the debt, and they have reported to the IRS that the debt was cancelled. 

( Letter and XXXX from IndyMac are attached. ) Beginning in XXXX 2014, despite numerous attempts by us and by XXXX attorneys whose assistance we sought to resolve this, IndyMac and now OneWest are unresponsive. 

We can not refinance or sell our house because of the lien. This is causing a financial hardship.
Was charged {$35.00} per an overdraft in my checking account. While, Wells Fargo has refund the Overdraft fees before because they are outrageously high. I spoke with a young women at Wells Fargo General Banking Call Center and they told me that would not be possible. While I like Wells Fargo, I know most smaller banks and credit unions do not charge such outrageous fees for occasional overdrafts.
I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for 2 accounts on my report. XXXX XXXX  was the original creditor for both accounts ( XXXX XXXX XXXXt and XXXX XXXX ) and they were both sold to a collection agency called XXXX XXXX XXXX. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.
On Thursday,  XXXX   XXXX ,    2017, I went to pay by check for tires I had put on at   XXXX   XXXX   XXXX   in Rhode Island.    They ran my check through Electronic Check, Powered by Telecheck , A First Data Company.    My check was denied. There are/were more than sufficient funds for this transaction.   I was mortified and humiliated in front of other customers.   When I returned home I called the bank and was informed it was denied by them.   I then called Telecheck and was informed I did n't have an account with them.   Of course I do n't, THEY ARE NOT A BANK OR FINANCIAL INSTITUTION IN MY AREA This should not give them the right to deny my payment without going through the bank on the check.   This is so unacceptable!
I have sent a total of three letters each to Experian,  XXXX , and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One even goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.  XXXX  removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.
On behalf of my son, a XXXX, his student checking account was debited by TD Bank for {$440.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe TD Bank has inappropriately applied overdraft fees on his account in excessive amounts. Can you please investigate this matter? 
Thank you.
The debt is well beyond the Statue of limitations for collection. They have repeatedly taken of on credit report only to add it to others time and time again. The account was sold in XX/XX/XXXX and resold in XX/XX/XXXX. It should not appear on my credit report. They should not be calling family members about this old debt. They should not even be writing me about debt. They have been sued, they have been fined, yet they continue to commit the same unethical acts.
I had XXXX accounts through Pinnacle Credit Services , LLC that were in collections. In XXXX 2015 I paid both of them. Pinnacle has continued to report on my credit that it is a zero balance, but that the accounts are in DISPUTE. I have contacted them via phone and in writing, and told them it 's not in dispute, but they will not fix it and I can not close on a home loan. The bank I am working with for my home loan has also tried helping us, but Pinnacle will not change the status to " no longer in dispute ''.
I have a credit card with Wells Fargo that I never recalled opening it, and I have had it for 3 years. It is a college student credit card account with several hundreds credit line. I thought it was a mistake unintentionally made by myself or the bank, but after I found about Wells Fargo disgusting sales tactic/unauthorized credit card issuance on the news, everything starts to connect in my head. This is a scam in the name of a big bank, and this scam affects millions of banking customers without knowing they are a victim of a top-down system. I want to get this account closed and all the fee/interest/charges and what not under this credit card account waived and/or refunded as soon as possible. This is to bring back the justice to the poor customers who fell victim to a sickening Wells Fargo banking system.
They constantly call numerous times during the day and early evening. My husband asks what it 's in reference too then they hang up.
I filed for a modification of my loan last year, completed the trial paymentsakeing them all, and in XX/XX/XXXX Bayview Loan Services came up with a collection on a title search that was never found before of me owing back child support. I gave them the judgement by a iowa judge stating I dont owe, they didnt accept the court order, I filed for a new modification, and requested a reconsideration of the first, I submitted all docs that they requested and they have dragged there feet at every turn, not returning calls, request for information at all, I filled a complaint with CFPB just over a week ago, after this I got a call from my old account manager that a new one was assigned, and the same thing as happens with ththe new account manager, not returning calls, calling at times that when I have told them I was working and so on. Yesterday I have receive the first corespondents since I have filed, only after the CFPB complaint, and the letter contradicts each other, asking for information that I have already given them, and they still intend on selling the house on the XX/XX/XXXX without giving me due process under the modification law.
I have given documentation from XXXX XXXX  in which is who they are saying they got it from them but I have a freeze on the account due to the fraud as well as a police report and information from the courts as well as it doesnt belong to me
In XXXX of XXXX I was notified by the fraud department of my XXXX XXXX card they had detected some weird activity on my account and did not think it was me, I verified it was not me making the charges, it was only {$47.00}. They immediately closed that card or account #. It is now XXXX/XXXX/XXXX and they still have not taken care of the charges they do however keep adding the late fees to my account and it 's not {$150.00} and I call them every month and get the run around saying they will take care of it and they have n't yet. But they turned me in for negative payment on my credit report, which they should not of done since this is under dispute. I have sent in my statement of Fraud twice, I am at a loss on what to do.
On XX/XX/XXXX a person opened a XXXX account using my social security number. I found out about this account on XX/XX/XXXX by checking my credit report. I contacted XXXX directly and they provided me with the person 's name who opened the account ( XXXX XXXX ) and the address where the service has been turned on ( XXXX XXXX XXXX XXXX XXXX, MI ). I reported to XXXX that I do not know this person and I did not give authorization to use my social security number. They told me to fill out the " ID Theft Affidavit '' and send it in, which I did. I contacted XXXX XXXX Police Department on XX/XX/XXXX and spoke with XXXX. XXXX. I filed a police report in the city that I live in on XX/XX/XXXX with Officer XXXX XXXX. The police report number is XXXX. I filed a dispute with Equifax on XX/XX/XXXX and the results came back that they found this account to be " factual ''. At this time, XXXX has not suspended services for the person who fraudulently opened this account and it is still appearing on my credit report.
Year ago.. XX/XX/2017. I went to go buy home saw someone opened XXXX XXXX card in my name. I paid the card down..my balance was around $ XXXX- XXXX.. now my card is maxed out according to XXXX XXXX and I do not have card in my procession.
In XXXX XXXX several accounts was opened in my name without my knowledge, 1. XXXX XXXX loan {$37000.00}, 2. Chase Auto loan {$8500.00}, XXXX. XXXX XXXX Credit card {$2500.00}, XXXX. XXXX XXXX {$2500.00}
In XXXX XX/XX/2014 I spoke to a rep @ chrysler capital, she asked me if I wanted to change my due date ... I told her I wanted to change my due date to the XXXX of each mo. This was n't done. I found out on XXXX XXXX that this had n't been done. The supervisor acknowledged to me that this was their procedure, but would have to lodge the complaint with their president 's office. I spoke to XXXX today, XXXX XXXX, she informed me that they did n't have access to the recording and I should of paid attention to my statements. I asked why there was no recording, she stated they only keep them for 30 days & did n't know why this was their policy. Her only answer was to remove my late fees but not to fix my credit.
THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD / IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED.