WillisBack/dataset-financial-user-claim huggingface dataset:
Had a car financed through Autotrakk in XX/XX/XXXXfor {$18000.00}. Paid majority of balance with a perfect payment history with {$710.00} balance remaining in XX/XX/XXXX. Had some financial woes due to illness. Tried to work with company to pay off balance, they repossed car without warning. Company who collected the car towed the car on two wheels with no key and wheels locked. Car was taken to a city 2 hours away from where I live which prevented me from getting my possessions out of the car. They sold car without my knowledge or even informing me so I could never get my things. And instead of subtracting the profit of the sale from my balance, they increased my balance to show {$1500.00} owed on my credit. Recent call on XX/XX/XXXX with rep XXXX confirmed the accurate balance of {$710.00}. But each time I tried to dispute balance on my credit they made no changes or correction to the balance. Paid off account for {$380.00} on XX/XX/XXXX. But I'm sure car was sold for more than what my remaining balance was amd they never gave me the opportunity to get my car back when they initially took the car! That was unfair and should be corrected.
I received a " Notice of Debt '' for {$80.00} for driving through a tunnel in Virginia. The bill has no date, no license number on the bill, no picture to verify it was my vehicle, and it was sent to an address that is not my DMV address and is not currently nor has not ever been my drivers license address. I am concerned this is a scam. I never received an original notice from XXXX XXXX XXXX so I would like proof of the original invoice with the charges on that bill if there was one and where it was mailed ( with same identifying information requested above ).
I submitted a complaint on XX/XX/XXXX. I received a call from XXXX XXXX, phone number XXXX extension XXXX. I called XXXX  back 5 times before receiving a return call. When XXXX  called me back on XX/XX/XXXX in the late evening, he was very vague and could not tell me what my complaint was. He stated he would research my " concerns '' and provide me a response within 30 days. I have been through this rodeo with BOA before and in an effort to not have my time wasted AGAIN, I asked XXXX  to tell me what he was researching. He started telling me how he interpreted my concerns which was 100 % incorrect. I advised him then, in an effort to not waste time I'd like for him to hear my concerns since he clearly was not interpreting them correctly. XXXX refused and kept insisting I would receive a letter in 30 days. A letter in 30 days of research on " concerns '' that aren't really my concerns? Help me understand that? I am requesting that this phone call with XXXX  be listened to by management and they will clearly hear the incompetence and how i wound up back here. I then asked XXXX to provide me ALL notes on my account from XX/XX/XXXX forward, I asked XXXX to tell me if this was proprietary information, because IF IT IS, I can obtain the proper authority for the notes to be provided to me. XXXX stated he does not know and would research. this response doesnt make sense if he is a regulatory officer he should KNOW this information. I do this for a living myself, i can tell you what is proprietary and what is not.

At this point I am concerned who XXXX  really is and if he is competent to address my concerns in its entirety. I asked XXXX  was he a middle man just acknowledging my complaint or was he the actual person conducting the research. XXXX  confirmed he would be conducting the research. At this point I simply asked for XXXX XXXX  managers name, he refused. I explained why I was asking for this information ( based in his incompetence to provide any sort of clear answer on anything I asked ), he again continued to refuse. I asked for a manager to call me, no call.

I am concerned that a lot of time will be wasted here with someone that is incompetent to understand or even READ my concern correctly and address them. I do not want to receive a letter in 30 days that has nothing to do with or address my actual concerns.

I hung up the phone with XXXX  and called into BOA customer service, I spoke with XXXX. XXXX could not verify XXXX.
We received an unsolicited BP Visa from Synchrony Bank. We have also received phone calls about this card, including a threat to withhold credit if we did not confirm the card. When my wife called she was put on hold, told that the person named on the credit card had to call ( I 'm in XXXX XXXX just now ; not convenient! ), and cut off. Repeated calls. There appears to be no website where we can get this rectified. Seems like a scam.
I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, Experian has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need Experian to provide an explanation as to why they put this back on my credit profile.
The amount due on the loan for XX/XX/2018 was {$480.00}. I had requested at an earlier date that any overage be applied to the principal. I sent in a payment of {$1300.00}. The amount they applied to escrow was {$140.00}. The amount applied to the principal was {$780.00}. The amount applied to interest was {$420.00}. My interest rate is 8.24 %. The amount that should have been applied to interest was {$210.00}. The excuse they used for charging so much interest was they thought I was making two payments. I did call and they said that they would resolve the issue but my concern is that if this is a common practice other people might not catch this and end up paying more interest than they had agreed to. The company 's name is 21st Mortgage Corp. NMLS # XXXX, XXXX XXXX XXXX XXXX TN. XXXX.
I ordered an item from the XXXX XXXX XXXX work.After I received the item I get a card from a credit card company.So I call XXXX and ask why the card .They say I signed up for it on the order.I say no I didn't.Dobthe tell me to call the company and cut up the card since I hadn't used it.Thats what I did .The company said the order was part of the deal.The amount grew from what was originally stated. thanks
Savings account at Synchrony was LOCKED due to invalid password. 

Synchrony after 2 horus of repeated calls COULD NOT unlock account due to internal Synchrony security procedures. 

1. I have NO mobile phone which Synchrony REQUIRES to get a text message. 
2. I have NO internet at home so can not request CALL of code and be near home phone. 
3. When requesting CALL it goes to recorder where Synchrony will NOT leave code. 

Thus a {$300000.00} accoutn can not be accessed due to incompetent Synchrony security procedures and manager said no other ooptions. 

As I tarvel world-wide I can not call from multiple countries if account gets LOCKED due to password issues. 

very sad and incompetently manged banking institution to implement such incompetent security procedures.
Creditor : XXXX XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Per the Texas Finance code even a credit bureau is required to have a valid surety bond to collect on debt. This company does not have a valid surety bond with the SOS of Texas and is attempting to report and collect debt on my credit report. Specifically, debt from XXXX XXXX XXXX  Texas Finance code Section 392.101 The regulatiin rewards {$10000.00} For each violation.
I SIGNED UP NOT TO HAVE OVER DRAFT PROTECTION, THEN THEY CHARGED MY CARD XXXX IN OVER DRAFT FEES I HAVE CALLED GONE TO THE OFFICE THEY TELL ME BASCIALLY TO BAD, MY DAD DEPSOISTED A XXXX IN THE ACCOUNT AND THEY KEPT IT TOWARDS OVER DRAFT FEES, I DECLINED FROM HAVING OVERDRAFT SO I WOULDNT GO OVER AND GET ANY CHARGES, THEY REFUSE TO HELP ME I AM GOING TO CALL XXXX XXXX NEWS TD BANK IS RIPPINF G OFF PEOPLE ITS NOT FAIR
I filed a previous complaint  XXXX   XXXX ,  XXXX  about how SNAAC threatened me by saying they were gon na call my commander and have  XXXX  actions against me if i did not restart my allotment after I had the car voluntarily repossessed in  XXXX . I received the company response on  XXXX   XXXX .  Two  months after that i received a call from SNAAC trying to collect on the loan. The person on the phone knew i was medically discharged and was asking me for my  XXXX  rating and if i was receiving stipend from the post  XXXX   XXXX   XXXX . I refused to answer personal question like that. I felt that information like that is between the VA and myself only. SNAAC should not be asking veterans about their benefits especially medically related benefits. This is the second time  SNAAC  has crossed a line with me. I am afraid they are doing this or worse to other veterans.
I submitted a complaint to the CFPB on  XXXX   XXXX ,  2017. The or iginal complaint is attached for reference. In that complaint I stated that my husband and I had an auto loan throug h Wells Fargo Dealer  Services. The vehicle was in an accident on  XX/XX/2017    which resulted in a total loss. The insurance company paid the claim in  XXXX  and the service contract was cancelled which produced a refund being sent back  to Wells Fargo. Eve n with these payments, there was still a balance left due. I called prior to the payments being made and was told th at Wells Fargo no lo nger allows their consumers to restructure the loan even when it is a total loss. I then asked about settling the balance that would be left due. They told me they would not talk settlement until the payment from the insurance was received. I called once it was applied to our account and spoke with  XXXX  in the total loss department. He was supposed to be checking with his supervisor regarding the settlement amount and then get back to me. I called 6 times in th e 3 wee ks following that conversation and never received a call back. Then it was reported to the credit bureaus that we were 30 days past due. I also stating in my complaint that they were not to be calling my husband for collections because he works a grave yard shift.    Wells Fargo  responded to our complaint by stating we signed a contract and were obligated to pay this but we could refinance the loan through them. This is not correct as I tried to do this before the insurance company even paid out the claim. She also did not address any of the other issues I raised in my complaint. I was trying to work with  Wells Fargo to  resolve this issue, but I am unwilling to work with them anymore if I can not get anyone to call me back. I believe they damaged our credit as a scare tactic to try and get us to settle for a higher amount.   I also disputed the negative reporting on our credits because we are not actually late. With the payments from the insurance company, we are actua lly 3+ y ears paid ahead. Their response to the dispute was to change the reporting in  XXXX  to be " not reporting '' and  XXXX  to be 30 days past due. They are erroneously reporting to the credit bureaus and not bothering to actively resolve my dispute with the CFPB.   If, after this complaint, the issue is not resolved to my satisfaction, my husband and I will be filing a lawsuit for not only the remaining amount due on the loan, but damages for the negative reporting on our credit as well. Judging by the amount of complaints I have seen with the CFPB against  Wells Fargo  for similar issues, we could definitely make this a class action lawsuit. I would appreciate it if Wells Fargo responds to this complaint that they actually respond to the issues raised in the complaint instead of disregarding the complaint by responding with a blanket response that does not fix any of my issues.
On XX/XX/2018 my bank account of 25 years was compromise. XXXX XXXX XXXX XXXX. Someone got my bank information and overdraw my checking account by ordering fraudulent merchandise with my account information. I noticed a few days later recent inquiries on my credit report for credit. That I did not authorize. As I was reviewing the recent inquiries I also noticed a few older that I didn't recognize. I have not applied for credit and these are all fraudulent and linked to whomever stoke my banking information. I had to file a fraud affidavit for my bank. And police report. To get my money back. These inquiries are fraud. Who will apply with the same creditor the same day.
There was an unauthorized credit pull from XXXX XXXX that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with XXXX XXXX, Chase and XXXX XXXX was pulled fraudulently.
On XX/XX/2018 I sent a letter with a copy of my social security card, utility bill, and photo id to update my personal information to only include my current information and to delete the other information reported by the credit agency on my credit file. No updates have been made as of XX/XX/2018.
I filed a complaint to the XXXX Dept of Justice approximately XXXX years ago against a payday loan company after they continued to draft money from my bank account long after my loan was paid. NC DOJ wrote a letter to this company advising that their loan was illegal in NC and ordered them to stop all contact to me. I also closed that bank account. They are now calling me and my children and family threatening me with coming to my work and saying they have a case against me. Even calling my XXXX daughter at school. I only have the many phone numbers they call from. The main one is listed first. XXXX, XXXX, XXXX, XXXX.
American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX XXXX and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions.
iN REVIEWING MY CREDIT REPORTS WITH eXPERIAN AND XXXX, I noticed that the Accounts section is devoid of any relevant information regarding my current revolving account with XXXX XXXX XXXX
Upon reviewing my credit report there is an collection account from Phoenix Financial Services which notes an {$85.00} medical. My credit report states this was open on XX/XX/2017, This debt and account is inaccurate and not mine. I have never received any written communication in reference to this account or any knowledge of this. I have not received any medical treatment on or around the date.
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
Synchrony Bank ( Care Credit ) allowed XXXX XXXX to open a credit line. XXXX XXXX put me ( XXXX XXXX ) as her co-sign for a medical procedure amounting to almost {$4000.00} dollars without me signing anything or being physically present. I, XXXX XXXX have never met nor know who XXXX XXXX XXXX is and I also never gave my consent nor signature for anything involving XXXX XXXX XXXX.
For nearly 8 months, ACS Education Services ( a/k/a XXXX XXXX XXXX XXXX ) has refused to complete a simple form that is required to qualify for a benefit of military service. 

The XXXX XXXX offers a student loan repayment program. For the XXXX XXXX to pay the loan under this program, the lender or servicer must complete a form certifying the principal balance of the loan and providing information to electronically pay the loan ( See Attachment XXXX ). 

ACS received this form on XXXX XXXX 2015 -- nearly 8 months ago ( See Attachment XXXX ). Despite repeated requests to ACS during these months, ACS has not completed and returned this form. ACS claims that it must recalculate the balance of the loan before making such a certification. Yet despite having this form for nearly 8 months, ACS has refused to even provide a time-frame for the completion of these calculations. Moreover, ACS has refused to allow me to speak with any person in the department that supposedly processes these calculations on the grounds that these personnel are not " telephone trained. '' Meanwhile, ACS continues to charge interest based on portions of the loan that would have been paid off months ago but for ACS 's inability to complete this form in a timely manner. 

Please do whatever you can to encourage ACS to complete this form and return it to me without delay.
Account # XXXX XXXX I opened the credit card at the cash register. I felt bad for the cashier because the supervisor was telling the cashier he had to sign up more customers for credit cards. So I said I would sign up thinking I would put my purchase and cancel it in 6 months. I might visit XXXX once or twice a year. I completely forgot about it and two months later I checked the paperwork the cashier gave me and it was all black. I believe because of the heat transfer of the paper. I never got a credit card or a bill. Finally three months later I received a bill and no credit card. I called and the call went to their collection department. I told them that I have n't received anything until now. I agreed to pay what I owed and the interest to that point. I told them I wanted to talk with someone from XXXX. I did n't think it was fair that I had 3 months of fees and wanted to talk to someone. I repeatedly asked to talk to someone in charge. I was on the phone and on hold for almost an hour. They said if I made the payment they will have a supervisor call me once the payment cleared. I asked why did n't they think to call if someone never activated the card. They did n't care. I asked would n't that throw up a red flag. I agreed to pay off what I owed plus interest but wanted to talk to a supervisor. They agreed and I made the payment. I asked them to close the account. Months passed I only received one of the bills and no phone calls. I called and tried to talk to them and the account was n't closed. She closed the account and said I was on the hook for everything. They would wave one payment if I made the back payment. I agreed that I will pay the first three months of fees to end the nightmare. Then the rep said I would still have to pay all the other fees. I did n't agree with that. I said that I would file a complaint if they did n't try to work with this situation. They said that nothing could be done. Had I closed months ago they would still charge the high late fee and report every month until I paid everything. You could not do anything because you agreed to have our credit card.
We opened  the American Express Simply Cash Business C redit Card on  XXXX / XXXX / 2016  with the offer to get a {$250.00} statement credit for spending {$5000.00} within the first 6 months of card membership. This offer was good for applications submitted through  XXXX / XXXX / 2016 . We spent {$5000.00} in the allotted time period, whi ch American Express confirmed for us on several occasions. However, we never received our statement credit. Had AmEx open an official case to investigate. They nev er contacted us back. I called them to inquire. They had closed the case saying they could n't track our card opening back to the proper source code. I asked to speak to several levels of supervisors until I was told that there was no one there who could assist me, but that I would receive a call back with in 48 hou rs. Now, a few months later, I am still waiting. This is unacceptable. I have wasted so many hours over the la st six mo nths trying to get this resolved.
To whom it may concern. I have been reported by my credit company as 90-day late. With XXXX XXXX Account # XXXX XXXX XXXX XXXX I noticed on all 3 of my credit reports that this account has reported missed payments from XX/XX/XXXX to XX/XX/XXXX and closed as of XX/XX/XXXX. To my  knowledge my account was open and have been making payments. I was never notified in any form of my account being closed as I always go to the bank to personally and make payments. 

I have disputed this inaccuracy with the credit bureaus just to find out that XXXX XXXX is reporting everything incorrectly on credit reports. When I spoke with customer service I was notified that my account is on a " PERMANENT RESTRAINT '' and that only Collection department can remove it.