WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/2016, the loss of use of this vehicle due to the negligence of XXXX. Byridder 's claims has been greater than 115 days. 
This is completely unacceptable. We have continued to pay the car payments due, yet, have had no use of the car in over three months. 
Although XXXX. Byrider claims no to sell cars with salvaged, restored or rebuilt titles because as they say " Cars with branded titles often 1 ) Wear though tires more quickly, 2 ) have mechanical issues 3 ) have a significantly lower resell value 4 ) May have Safety Issues ''. 
XXXX, states that this XXXX XXXX XXXX would be included in the Buy Back Protection program. We were never offered XXXX or Buy Back Protection. 
On XX/XX/2016, when were in the process of the purchase of this vehicle we were presented with XXXX-XXXX different XXXX reports that did n't belong to the car we were planning to purchase. Unclear why it was so difficult to get us the right one the first time. The XXXX XXXX that we were presented with finally on the XXXX mentioned nothing on the unaddressed recalls on the vehicle and lacked previous records. 
Also, on XX/XX/2016, XXXX. Byridder did not provide a Buyer 's Guide to us on the XXXX XXXX. There was nothing in the vehicle window nor any Buyer 's Guide provided at closing. There was no price posted in the window, as well. 
When we sat down with the General Manger, XXXX, and he presented us with a Preliminary Purchase Worksheet. He had the price of the car listed at {$11000.00} & trade difference listed as {$11000.00}. However, we asked about the {$4000.00}, incentive deduction that they had going at the time. At that time XXXX, wrote in {$15000.00} & wrote in - {$4000.00}. So instead of the selling price of the car to be {$7900.00} it was now {$11000.00}. XXXX stated that he had already deducted the {$4000.00} before bringing us the paperwork. However, the paperwork does not represent the same. The car at the time of purchase had XXXX miles as of today XX/XX/2016, the car XXXX miles. The XXXX XXXX XXXX value of the car in Great condition is {$1500.00}. 
We believe these matters with XXXX. Byridder needs be addressed immediately. 
XXXX and XXXX XXXX are requesting that XXXX. Byridder, XXXX, XXXX XXXX XXXX and all affiliates release XXXX XXXX XXXX & XXXX XXXX XXXX, from any further financial obligations. Clear this car as paid- with only positive reporting to all XXXX credit agencies and refund the monies paid on the vehicle to this of {$2600.00} point due to the loss of use since XX/XX/2016, and at that time we will release the vehicle back to XXXX. Byridder. 
Out of less than 180 days the vehicle has been at XXXX. Byridder in XXXX, greater than 105 days.
Dear CFPB, I am writing regarding the predatory lending practices of XXXX XXXX and Comenity Bank. We made furniture purchases there under their XXXX month interest free which was heavily promoted by the staff at XXXX XXXX. We have been making regular payments to our account and have actually continued to support the company. Last month we realized that Comenity added large amounts of interest to our balance. Approximately {$3000.00} to be exact. When I called to speak to them about it, they noted that their program is actually a deferred interest program NOT an interest free program as is promoted by them and in the stores. This means that they take the interest accrued over the past XXXX  months ( calculated on the original balance even though payments have been made ) and add a lump sum to the account. I spoke to a supervisor at the credit card company for a long time to address the issue. I actually made a payment for the balance on the goods I purchased in FULL ( A ~ {$5000.00} payment ) while on the phone with them. The supervisor understood my concerns because it is an issue they are faced with often since most consumers are mislead to believe they are entering a typical interest free agreement. The supervisor escalated the issue as a dispute to Comenity Bank. I have now received a letter from Comenity Bank stating that they will not forgive these interest charges despite the fact that they are misleading consumers at the time of purchase and are making minimal effort to clearly inform the consumer of the consequences of this particular plan. I am writing to CFPB so that they may address this issue and help other consumers from falling into this same trap. 
Thank you for your time!
I was a past client of Experian. Due to a data breech it was recommended that I restart my credit monitoring for at least one year. So in XX/XX/XXXX, I signed up for one year and was told it was a complimtery subscription. I noticed today that my credit card was charged for {$99.00} for XX/XX/XXXX membership for which I was not aware I had approved. I called customer service and was on hold for 2 hours and 38 minutes. When they finally picked up, they cheerfully agreed to refund my money and cancel my membership. However, why should one have to wait 2 and 1/2 hours to speak with a representative. They may be monitoring my information but if Im unable to speak with them easily enough, what help is it. Their web site did not give any other way to contact customer service except by phone or letter. The long wait encourages one to give up and thus keeping a client from cancelling their service.
Account # from when account was active : XXXX Account # according to Credit Reports : Equifax - XXXX / XXXX - XXXX /XXXX - XXXX I have already submitted a complaint ( # XXXX ) with you all regarding the actual company ( XXXX XXXX  XXXX XXXX ) providing the information but this morning I received emails from Equifax stating that my disputes ( Conf # 's XXXX & XXXX both XXXX XXXX   for duplication of accounts and inaccurately reporting a CLOSED account as OPEN ) were complete. I called and spoke with 2 different reps who both confirmed that XXXX XXXX replied that the info is correctly reporting. I proceed to explain to the young man that 1. I only ever had 1 account with XXXX XXXX  XXXX XXXX which began XX/XX/XXXX. That truck was repossessed in XX/XX/XXXX, they refused to give the vehicle back to me. How on earth can they report this balance as open when it's C/O after they refused to give me the vehicle back. He explained because the balance is still owed and was never sold. So then I asked him to explain the duplication, his response was it's not the same, account ending in XXXX has a {$0.00} balance and shows as " Sold/transferred '' & account ending in XXXX has a balance of {$11000.00} and shows " Charged off and Open '' ... hmmm, this all is a big conflict and it's like whatever the creditor says is what goes and it's not fair.
I received a notice regarding refi on previous V A loan that I had with XXXX XXXX company and refinanced with XXXX XXXX XXXX now i'm finding out that I can't refinance this loan anymore? Don't understand why I never heard of this until I researched can someone look into this for me my current loan XXXX XXXX XXXX.
Auto being financed was repossessed without proper notification. When account settled, I was informed the repossession fee would be put at end of loan, instead it was charged the next month. Contacted them about it, they said it was just their policy and not to worry about it. I did that, but now they added a late fee due to not making full payment.
According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), the XXXX credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from XXXX, XXXX, and Experian what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. XXXX, Experian, nor XXXX have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. I informed all three XXXX credit bureaus that The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? Experian, XXXX, or XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA All XXXX credit bureaus are required to promptly DELETE all information which can not be verified.
Experian, Equifax and Transunion have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all  XXXX  credit reporting agencies and they have failed to provide requested information. According to FCR A 623 ( a ) ( 5 ) i f the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file.The United States Bankru ptcy Co  urts of   XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.     However,  XXXX , Equifax and  XXXX  actively searches public records for any judgments and tax liens through third party research.     A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research.     Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy  XXXX  and received a letter in return stating The Clerks office does not provide information to credit reporting agencies.     Equifax has mailed me an electronic signature of documents.  XXXX  has not provided any feedback on my request to validate public records.      XXXX  has not provided any feedback on my request to validate public records.     Please see my attached documents.
In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
XXXX XXXX ( " XXXX '' ) has consistently and willfully failed to update my information to major credit reporting bureaus within a timely manner. They have failed to update in XX/XX/2018 and failed to include my monthly payments on my credit report. This has led me to be denied for several mortgage loans strictly because of XXXX 's inability to furnish timely and accurate information to the credit bureaus. 

My monthly payment should be listed at {$160.00} instead of {$0.00}.
I have paid a closed acct from Bank of America and its reported the XXXX  and XXXX XXXX XXXX but it comes up as fraud .. I would like it changed from fraud to abuse so I can continue banking. I dont need it removed I just need the reason changed
Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.
XXXX threatened to charge mt father with identity theft and stealing my identity because he sent back a bill that had my name on it, as well as my father since I am the XXXX. I told them that I was the XXXX after they hit my credit without contact me and I had to contact them for there to be any answers or contact. Beyond that, the lady was extremely, threatening to have my father brought up on charges, calling me a liar and so on. This place is non- descript and they give you as little info as possible about who they are or what you " owe ''. XXXX said that they do not purchase debt, which I 'm almost certain is a lie and initially no one would even say where it was that I was calling, all the while asking me for personal information. In addition, I called several times and they could n't find me in the system because I am XXXX and they had XXXX ( my father ) and XXXX ( not me ) in the system. They 've now hit my credit due to their poor operation and I had no idea until I checked my credit reports and found out. From there on out XXXX has been rude and not at all trying to help me make that payment but instead chiding me, lying to me, providing a little info as possible, and asking for all my personal info.
Today I got a credit alert from Equifax and there was an alert that decreased my credit score. The alert was on an inquiry from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XX/XX/XXXX. I called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe Equifax and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX 's account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.
My son was a student at  XXXX   XXXX   XXXX .   I " co signed '' his  one year lease. " Guarantee '' One year later he took a new lease, new date, new dollar amount. I did NOT co sign and did not guarantee the seco nd lease.   Landlord is trying to hold me responsible. The landlord has hired National Collections of  XXXX   Ga. to collect on unpaid rent and damage to apartment.    The bill collector removed the staple from the first lease, removed the signature page with my signature from the first lease and attached it to the second lease in attempt to imply I co signed second lease. My evidence is clear from date on the " guarantee '' and from date of public notate signatory.   Please help me have this removed from the  XXXX  credit reporting files :   XXXX   XXXX   XXXX   XXXX
Over the past several years Wells Fargo has tried to charge late fees and other fees on my loans. I fought them because I knew I was n't late and I did n't owe them anything. I was never forced to pay anything after I called and fought them. Although I was called several times on several different occasions about fees I owed them. Also to go along with being told I owe them fees, they would not send me paper statements for almost two years. Their reasoning was that they did n't have a current address but the address had n't changed and was a valid home address. On top of all this my loans have been fluctuated in payments each month, I have a fixed rate. I have had a fixed rate since XXXX. I called and asked why this is happening and they said " Because of new government regulations ''.
According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source ( creditor/s ) and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over XXXX year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores.Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.
I just received a copy of my credit report and I found more hard inquiries that are unknown and fraudulent, I immediately contacted these companies and also called Transunion but they didn't help me. This is a very serious matter, someone has been using my credit and I need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, I just place a fraud alert on my credit report
Capital One is charging me excessive fees and reporting late payments to XXXX.XXXX and XXXX. 
Capital One approves me XXXX credit cards but company denies me credit increase over {$700.00} and {$500.00}. 
Why approve me on another credit and gives me denial on credit increase. 
Is it to charge me high annual fees for both cards? Late fees are included also. 
I am on XXXX XXXX XXXX and Retired. 
I am a Military Veteran. 
Capital One practices needs to be regulated by Federal Government.
On XX/XX/2015 I sought a loan from Avant the loan is funded by XXXX in the amount of {$14000.00} the loan was deposited into my checking account on or about XX/XX/2015. I began to utilize the funds from loan to consolidate credit cards / bills, on or about XX/XX/2015 Avant did a pre authorized debit for the full amount of {$14000.00} from my checking account. This caused my account to fall approximately {$8700.00} negative, I immediately contacted Avant whom informed me that there was a huge error and that they would exspite a return. I continually attempted to contact Avant until about XX/XX/2015 an was advised that the loan remained paid off in full. This forced me to call my bank and file a claim for what suggested a fraudulent activity. XXXX began reversals of the funds and refunded me for various overdraft fees and NFS fees. I had to go approximately 2 weeks while my account remained negative, I was n't able to pay many obligations such as rent or other financial means. XXXX was able to retrieve my funds XX/XX/2015 and Avant is attempting to collect again on this loan.
COMPLAINT TO BANK OF AMERICA : I am writing to let you know that because XXXX XXXX XXXX XXXX Department refused to take my case as a fraud transaction I lost {$63000.00} on my XX/XX/2017 transaction. 
I just show evidence below which is the letter from XXXX XXXX Bank to response my request. The letter is attached for your review. 
In the letter, XXXX XXXX Bank said :. Upon receipt of your letter, XXXX made several attempts to speak with XXXX XXXX XXXX XXXX Department in an effort to obtain additional information about the transaction ; however, we have not been successful as of the date of this letter. 


You can get the detail info about this fraud transaction from my other two complaints.
I received a letter from a company saying that I own money on a credit card that was never mine -
On XX/XX/2018 this debt for {$600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.