WillisBack/dataset-financial-user-claim huggingface dataset:
I was paying Santander for my car payments because they are the company that does the financial payments for my loan. My car was repo sometime in XXXX. I was callings to get some information on my account from Santander & I just found out yesterday that all my payments since 2014 has all gone to high-interest loans to car, basically I paid {$17000.00} on high interest rate only, & the only thing that went to my car within these pass years is the {$1000.00} down payment & nothing else. To clarified this since 2014 I payed {$18000.00} to Santander & only {$1000.00} went towards my car & the rest just went on fees which is unfair that they took {$17000.00} almost {$20000.00} on loan fees to their company which is a rip off. That Amount is not including that Santander told me that I still owe {$13000.00} Towards the car & they sold the car for {$3400.00}. I have reach out to the company so they can sub total the interest rate in writing & the only thing they wanted to sub-total is how much the car was worth & how much I still owe. They did not want to sub-total the loan fee they wanted to just send me a confusing transcript almost like a bank statement so it can be confusing to who ever reads it & they told me to calculate my own, but they can tell me over the phone that they charged me the {$17000.00} on loan fees. I research fraud on this company & I found many of the same complain in different states. One of the many complaints which shows the state of Massachusetts Santander to pay $ XXXX to settle subprime auto-loan case XXXX XXXX   XXXX I just spoke to someone from the attorney general office in the state Fl, which told me this office can help me. 
My contact information is ( XXXX ) or email me at XXXX Thank you for youre time, XXXX XXXX
I was never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX score really low I'm not able to do anything and I have fought and fought for the past three years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a XXXX phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life
I am submitting a complaint regarding 2 tax liens that are showing on my Equifax credit report. I did not know the source of their information on the liens and due to this Equifax violated the Fair Credit Reporting Act. in addition both liens are " PAID, AND ORDERED CANCELLED FROM RECORD '' from the Georgia Department of Revenue. I have submitted court documents affirming this to Equifax and they have refused to remove the liens, despite court order. I have previously disputed the liens with Equifax 3 times but they have not removed them from my credit report.
XXXX XXXX for XXXX XXXX is reporting a dept. I disputed with all three reporting agents. They said debt was valid. i called XXXX XXXX and XXXX XXXX. nether of them can provide any documents showing where I signed anything for this debt or what this debt is for. Midland account number is XXXX balance is XXXX date opened was XX/XX/2012.
Transunion and XXXX  refuse to remove the unauthorized inquiries ... I have disputed them 2 or 3 times to no avail, and I called the creditors also ... creditors said if I did not give consent that the bureaus should have no problem with deleting the false hard inquiries ...
The account in question was opened fraudulently, I had no clue of this account till it showed up on my credit report as charged of, I was a victim of identity theft.
I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.
On XX/XX/2018 at XXXX XXXX, I sent {$0.00} to XXXX through XXXX. I then sent {$190.00} to the same address at XXXX XXXX. The money was sent to pay for concert tickets. I authorized payment in order to receive the tickets. Once receiving the tickets for the XXXX XXXX concert on XX/XX/18 at XXXX, arriving at the venue, finding out the tickets were fraudulent, and talking to police I called my bank at XXXX. The bank proceeded to tell me that they were unable to do anything due to me authorizing the transaction and I should only use XXXX between family and friends. The only way I was allowed to send money to receive the tickets I thought I was purchasing was to authorize the transaction before my entire transaction was complete. There was no way of knowing that I was being scammed before authorizing the payment.
Equifax will not respond to inquiries about accounts and information incorrectly included my credit report. I attempted to contact them via their online dispute resolution process on XX/XX/XXXX. They did not respond. I then contacted them again via telephone and their email dispute resolution process on XX/XX/XXXX. Still they would not respond. I have contacted Equifax on two more  occasions -- XXXX XXXX and, finally, on XX/XX/XXXX -- via regular mail, and I included copies of my online and email disputes, and they have still not responded to my inquiries and disputes. In the meantime, I have been refused housing and other opportunities because of the incorrect information contained in my credit report.
I checked my credit on XXXX XXXX around XXXX XXXX, 2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Cavalry Portfolio to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.
Mislead by sales reps to open their credit card only to be denied the " promised '' and advertised discount. 

When I went to the store the clerk convinced me to open a Kohls charge card for the additional discount. I was hesitant but figured what the heck I need a discount on my purchase. She said the discount would apply to the ENTIRE Kohls charge purchase. So I opened the credit card but I wasn't purchasing enough on that particular order and had another coupon to use. I asked if I could wait to use it and she said yes it is saved in my app. Sure enough ... there it was. 

Today, XX/XX/2017, around XXXX pm my wife and I went to the store. I told her I had this coupon for our entire purchase. She asked me what it excluded and I didn't know. So I open the app and see that it has XXXX exclusions. When I look for exclusions it simply says entire charge card purchase. So we shopped for about 30 minutes. Picked out work out clothes and some shoes. Go to the front scan the items ( {$620.00} ). The clerk asks if I have any Kohls cash and I responded no. She asks if I wanted to open the credit card and I said I already have one, in fact I want to use the coupon. Then she scans it and says it excludes these items. I responded by saying it has no exclusions and I even pulled up another coupon WITH the exclusions. She agreed it was weird but could not offer an explanation. I told her I ONLY opened this credit card for the additional discount and now I have been damaged with a credit app that lowers my score. I asked to speak with the manager and she calls over a female manager named XXXX. She also agreed and said she would do nothing for me. At that point I was embarrassed and frustrated so we left the store. However, it is unacceptable to sell a credit card under false incentives. I want an answer for this and I want everyone to know that the Kohls credit card is a rip off because you will not get what you are promised.
Experian is n't removing XXXX accounts ( medical collections with XXXX XXXX XXXX ) which they claim have been verified. The company agreed to remove the items from my report when I paid the account over a year ago on XXXX & 3 years ago on the other. I have n't used my credit in years so I was unaware of the negativity still being reported. I would like Experian & XXXX to remove these accounts immediately.
I was told to freeze my credit due to the data breech. I have done so with 2 companies but Experian just refuses to help me in any way. I have tried on their website, and they denied me. I sent a letter in XX/XX/XXXX, along with a check to cover the fee, and have heard nothing. I have called them and get nothing but a menu of pressing numbers that do not help. I have called the XXXX Branch hoping they could find a person to talk to. No. I got an email address. Sent emails, no response. I tried the XXXX branch, no one will call me back. I have done everything in my power to reach these people, and can not. The web site is useless. This whole company is useless. I worked hard all my life to hav good credit and now, thanks to these people my credit could be used to fund someone elses lifestyle. I didnt ask to be a client of theirs, and they are the worst company I have ever tried to deal with.
I tried to sign up with the credit karma app on my phone and it said my information does n't match. I do n't know what to do to make it match because I 'm putting my correct information in.
Someone illegally tried to apply at XXXX for a credit in my name with an address of XXXX XXXX XXXX XXXX XXXX ar XXXX. My correct address last XXXX years is XXXX XXXX XXXX XXXX ar XXXX. The XXXX credit card was refused for low credit score but ALSO for using a false address. I did not apply for the XXXX card. Please remove the XXXX XXXX XXXX XXXX XXXX ar XXXX address from my record please. The correct one is XXXX XXXX XXXX XXXX ar XXXX. The one before that was XXXX XXXX XXXX XXXX ar XXXX. My phone number is XXXX XXXX XXXX. Id appreciate it very much correctly correcting the false address put on my credit report. Thank you for your attention to this matter.XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX maiden moms name XXXX.
My account data was breached as part of HSBC admitted data breach. I have now had wire fraud and ach fraud on my account. The latest fraud was in the form of an automatic payment of {$2000.00} from XXXX. I dont shop at XXXX nor do i do any business with them. HSBC is telling me the charge was authorized by me and to call XXXX. They are ignoring their own lack of system security and refusing to protect my funds, or return my funds.
On XX/XX/XXXX, we paid off our mortgage loan balance pursuant to the instructions and total payoff amount provided to us by Ocwen, LLC. At the time we were informed that, within the next 3 to 6 months, we would receive paperwork showing that the loan had been satisfied and paid in full.

It has now been OVER ONE YEAR and we have not received any documentation showing the mortgage has in fact been " paid in full, '' or have the deed/title indicating the change in ownership, i.e., its ours. To make matters worse, the loan continues to appear as an outstanding debt on both our individual and joint credit reports at an amount even higher than the payoff amount.

Ocwen failed to fulfill its obligations to us, just as it had throughout the entire time it serviced our mortgage. ( If you so desire, we would be happy to provide you with detailed documentation regarding Ocwens failures dating back to at least XXXX after it acquired our loan from XXXX ). 

For now, we ask your help in directing Ocwen to do what should have been accomplished 6 to 9 months ago : provide documentation/paperwork showing that our mortgage has been paid in full, and remove the mortgage from our credit report ( s ) as an outstanding debt.
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. They have also placed this on my credit reports. If you look at my past complaints you will see that this is the same account that XXXX XXXX has, which was removed from my reports. The debt was closed and sold and resold several times. The account was closed and sold between XXXX. It is now XXXX. It is well past the statue of limitations. So how are they being allowed to continue to sell this old debt and continue to place it on my reports as a new account. The credit bureaus never ever fully validate any debt with a paper trail. All they do is send a letter saying it was verified. Their is never anything showing how it was verified. I can not get a copy of any documentation
Identity theft stolen identity fraudulent account This account was deleted from my credit report then added back onto my credit report this account was deleted two an gets added back on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Amount XXXX Opened XX/XX/2015 The creditor also changed its name to the XXXX XXXX XXXX and but this account back on my report This account does not belong to me I never applied for credit with this creditor Experian sent me letters saying the account was deleted from my credit report and sent me online dispute results showing the account was deleted from my credit report but then add the account back to my report after it was deleted
{$37000.00} was fraudulently taken from our checking account. The check ( pdf attached ) was counterfeit and the signature was forged. The actual check # XXXX is actually in our possession and the call numbers for the bank on top of the fraudulent check are incorrect. Still, Chase allowed the check to clear when presented from an out of state bank. We have been forced to cover this loss by drawing funds from our IRA which will count as taxable income since Chase told us they will not repay us ( IF they repay us ) for at least 60 to 90 days or more. Chase fraud department has told us they are not obligated to repay us unless Chase recovers the funds. We feel Chase should pay us the full {$37000.00} immediately with interest plus the {$35.00} wire transfer fee for the money from the IRA necessitated to cover outstanding bills. What is the purpose of a signature on file or insured accounts? The attitude on the part of the Chase fraud department is reprehensible. This matter was reported to  Chase on X/XX/17. Their letter to us dated X/XX/17 is attached here with a copy of the fraudulent check.
1. The initial complaint that I submitted is attached and named XXXX XXXX XXXX Complaint Detail. ( XXXX XXXX is hereinafter referred to as XXXX. ) 2. In my XX/XX/2018 letter to XXXX   I requested validation of their claim that I owe {$520.00}. Specifically, I requested competent evidence bearing my signature, showing that I have ( or ever had ) some obligation to pay {$520.00}.

3. As you can see in XXXX XXXX  response to the complaint, it provided a copy of a bill ( attached ) as supposed validation. A copy of a bill does not constitute validation.

4. As per the FTC Opinion Letter of XXXX XXXX XXXX, I am sure XXXX, TransUnion, and XXXX  are aware that a printout of a bill does not constitute validation. Thus, well over 30 days have passed and XXXX has failed to provide a copy of any viable evidence bearing my signature.

5. The reported {$520.00} item is inaccurate and incomplete and represents a very serious error in your reporting. The item should be permanently deleted.

6. Additionally, as I am sure XXXX   and TransUnion are also aware, XXXX has a very unclean reputation when it comes to debt collecting. I have attached some excerpts from the Consumer Affairs website. As you can see, XXXX will stop at nothing short of lying, creating false accounts, threatening people, initiating annoying robocalls, and more.

7. This CFPB complaint system is the perfect ally for those of us who are being treated unfairly by companies like XXXX
Cornerstone Legal Group , LLC XXXX XXXX XXXX XXXX. XXXX, FL XXXX. They use XXXX XXXX XXXX to manage the funds. Since XXXX 2014, They have debited my account in the amount of XXXX monthly. Only XXXX of my debts have been settled : XXXX and XXXX. Since the company is taking over 60 % of my funds there is virtually no money in my account to settle the other debts. I continue to get lawsuit papers from Financial Institutions that should 've been contacted by my debt consolidators, Cornerstone Legal Group, as they were provided a list of all debts to be consolidated under their program.
My mortgage is interest only mortgage, my interest rate and payment is adjusting to and higher rate. I've requested a mortgage modification with my previous servicer who was XXXX XXXX XXXX. During the processing of my modification request my servicer changed to ShellPoint mortgage. I requested a mortgage modification and submitted financial several times. I feel ShellPoint mortgage isn't processing my documents and updating my file with the requested modification documents I've provided. I would like for ShellPoint to finalize my modification request.
To whom it may concern : I am filing a complaint against : Equifax Credit Bureau, XXXX. XXXX XXXX, XXXX, Ga XXXX, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and  FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both Equifax and XXXX XXXX, XXXX As well as the only papers I have ever received from XXXX XXXX, XXXX. 
What am I looking for you might ask? Information such as a copy of the original contract that they say I physically signed, supposedly agreeing to their payment terms when I opened this account. 

Not only have they ( XXXX XXXX, XXXX. ) failed to furnish me with a signed contract of monies they say I own, they ( XXXX XXXX , XXXX. ) continue to put remarks on my credit file via Equifax Credit Bureau. I have sent several certified registered letters to them asking for signed contract of debt. They have only sent me information generated invoice from their company. 

Verified : The collection agency may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent Equifax Credit Bureau information about the company in question. Equifax has not been so forth coming, saying that they have spoken with and validated the information to be true. Yet I still have not received any evidence to prove that fact. 

I would appreciate any help in this matter would be great. This matter has been going on for over a year now. 

Thank you Reference to : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX
I have written to both XXXX, Experian, and XXXX XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. XXXX XXXX is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.
ATTENTION CFPB : I would like your attention regarding Equifax 's terrible investigative results. They have not verified my disputed account at all, they have not rpovded me with absolutely any results. I have almost XXXX Mortgage accounts, all in perfect standing, with XXXX XXXX XXXX and equifax could not even tel me which account they verified and how and with what documentation. Again, my caner is that this false and inaccurate account is affecting me negatively and has mixed in with my perfect credit report. I have XXXX accounts and it seems like Equifax has no answer as to what they verified exactly. This is why I am conceived that they gave not investigated my matter. Please check my reinvestigation results and see for yourself that there is no proof, no care and no professionalism in the way in which they handled my investigation regarding a misinformed account begging with XXXX ... It is not professional to report this account which is riddled with wrong information, dates and joint signatures information. I am not associated nor responsible for it, but they need to understand that the remaining accounts are indeed XXXX. A joint account was never signed by me, the others are mine. They can not provide my signature nor can XXXX XXXX XXXX, it need to be deleted immediately. Please see that they do not follow the LAW.
The debt collection agency IC Systems uses disgusting tactics to collect on miniscule amounts of money. They repeatedly called my XXXX-year-old grandmother ( who has never been associated with this debt EVER ) and told her they would come find me and arrest me if I did n't pay a {$250.00} debt. My grandmother has XXXX and this XXXX her terribly. It took me quite some time to explain to her that no one was trying to hurt me and take me to jail. IC Systems even called her a second time after she told them she does n't even live in the same county as I do.