WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE A LOT OF INACCURATE INFORMATION ON MY CREDIT REPORT. SOMEONE ELSE IS USING MY IDENTY TO OBTAIN CREDIT. 
THIS INQUIRIES ARE UNAURTHORIZED AND CAUSING ME GREAT HARM AND ANXIETY TO SAY THE LEAST. 
XXXX XXXX XXXX XXXX ON THERE TWICE XXXX XXXXXXXX THESE ARE THE CREDIT ITEMS THAT HAVE BEEN OBVIOUSLY ISSUED AND USED UNDER MY SS # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ANOTHER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX AXXXX XXXX  ACCOUNT # XXXX THIS IS AN ACCOUNT THAT BELONGS TO ME FOR A CAR THAT WAS TOTALED BUT THE GAP INSURANCE PAID IT OFF. THEY ALSO SENT THIS TO A COLLECTION AGENGY THAT REPORTING NEGATIVELY ON ME. 
XXXX ACCOUNT # XXXX THIS IS NOT MY ACCOUNT XXXX XXXX  ACCOUNT # XXXX IS REPORTING THAT THIS ACCOUNT WAS PAID LATE AND THIS IS INACCURATE I JUST GOT THE CAR.
My name is XXXX XXXX. I am a customer of Freedom Mortgage. My loan number is XXXX. After reviewing my recent mortgage statement I saw that the price had increased. I called Freedom Mortgage to ask why and they stated that it was due to an escrow shortage. The shortage is due to Freedom Mortgage paying XXXX money from my escrow account to another XXXX Policy Holder. 

This shortage is a result of discrepancy between Freedom Mortgage and my home owners insurance policy holder XXXX. XXXX XXXX is the Senior Premiums Receivable Specialist at XXXX. She reported to me that Freedom Mortgage sent a check to XXXX for {$1000.00} on XX/XX/XXXX. The check number was XXXX, attached t that account number was a policy number of XXXX and a loan number of XXXX belonging to someone named XXXX XXXX. 

Freedom Mortgage then sent another check ( XXXX ) for the same amount on XX/XX/XXXXwith the XXXX Policy number belonging to XXXX XXXX but with my name and my Freedom mortgage loan number. My only policy number XXXX was not on the check or payment stub. A review of the account for XXXX XXXX shows that on XX/XX/XXXX a refund of {$1000.00} was issued and cashed. 

I have attempted to contact both parties to remedy this. Freedom Mortgage has made the mistake of paying XXXX to cover another account out of my escrow account. However it is my belief that insurance companies need to make requests for these payments from mortgage lenders so I am not sure which one of these companies are at fault. What is clear is that my wife and I are a victim of this mistake and I would like for the consumer protection bureau to investigate this for me as I have been asked to continue to pay the increased mortgage amount and no one has guaranteed that this money will be returned to my account. Another concern is the ease as to which the name and policy number of the person who received the over payment was given to me.
I borrowed {$2000.00} from check n go with payments of {$320.00} due every other week for XXXX weeks. After making my XXXX payment, i asked what the payoff amount was, and they told me {$2300.00} which is more than the principle even after i had already paid {$650.00}. Negative amortization is illegal.
I have a Neiman Marcus store credit card, which I believe is provided by Capital One. I enrolled in on-line statements. I have a personal shopper who occasionally orders items for me to be shipped to my home, by my request. I requested my shopper to purchase a couple clothing items for me, but they were on back order. A month or so later, the order processed and the charge was posted to my credit card account. I had completely forgotten about the order and did not access my credit card account over this period as I had not shopped at the store and was n't expecting any charges. Over this period of time I did not receive any courtesy notices that a charge had gone unnoticed or unpaid on my account. On XXXX XXXX, I received my quarterly credit monitoring report and saw that Neiman Marcus credit card had posted derogatory information about me as a late payer. I immediately logged into my NM account and saw that there was a charge that was past due. I paid the balance immediately. I was shocked that derogatory information was posted to my account without them at least once trying to contact me to remind me of the balance. AFTER that information was posted, I received ( XXXX days later after my credit monitoring report ) a past due balance reminder. At this point the damage was done. My credit score went from high XXXX 's down XXXX points. I have no other derogatory information on my credit history - nothing. I wrote to the NM credit department ( as they do not take - or apparently make - calls ). I sent them a copy of my credit report to show them that they were dealing with a person of high credit standing. They sent me a proforma letter saying they would not reverse the derogatory information. I later called customer service and closed my credit card account and they did not even ask me why. They closed it in about XXXX seconds. I refuse to let this go without them removing the derogatory information and changing their collection practices to include a reminder before submitting derogatory information.
I am XXXX XXXX military, and as such I fall under the protection of the Soldiers and Sailors Civil Relief Act ( SSCRA ). SSCRA states that I will not be charged property taxes on a vehicle I own from another state. There was an issue regarding my tax waiver with the state of Virginia to get it waived for last year 's tax cycle, but I was able to resolve it last month. However Nationwide Credit Corporation in XXXX VA, the debt collector hired to get this tax, is still saying I owe them money. It is in complete violation of federal law, and state/county accepted policies. I have told them multiple times about the law, about how I have saved correspondence with the county saying I do not owe anything, etc. Yet they continue to harass and threaten me that I owe them money ... despite the fact that federal law and the tax collector 's office in XXXX county VA says otherwise. I have saved correspondence between the XXXX, NCC, and myself if you wish to have it.
Upon checking whether my personal information had been stolen via https : XXXX, I was told that it may have been stolen. This data breach allegedly began in mid-May XXXX, was discovered on XXXX XXXX, XXXX, and was reported in a press release on XXXX XXXX, XXXX. Obviously, there will be an ongoing investigation of whether Equifax was negligent in its management of consumers ' personal information. Meanwhile, I think it is clear that they have failed to follow up appropriately on this event in two important ways : 1 ) It took them 40 days before they released any information about the breach 2 ) When they finally did acknowledge that the breach had occurred, they made no effort to contact potential victims, instead issuing a press release that may or may not be noticed by victims
I have asked Equifax to remove over XXXX hard inquires that I did n't authorizes. They keep saying validated when in fact they are n't. I do n't have credit with maybe XXXX inquires. Please correct. That is false reporting
I transferred {$1000.00} ( XXXX XXXX US Dollars ) to XXXX after paying {$16.00} ( XXXX a fee of {$16.00} ( XXXX dollars ) through the Western Union payable to my younger brother on XXXX XXXX, 2016. As of today, XXXX/XXXX/16 the money was never paid out to my brother. The Money transfer control number is XXXX Western Union refused to refund my money to me as well. Please help out. Thanks.
CREDCO pulled my credit report unauthorized. I did not give this company verbal or written permission to pull my report. This company has abused my rights by pulling my report 2-3 times in one week.
Company keeps calling my job and leaving threatening messages to my co-workers that I'm in a lot of trouble if I don't return there call and settle my debt or they would process a warrant for my arrest for fraud.
For many years my husband and I have struggled with our credit - we lost our house in XXXX due to an outrageous ARM loan, moved a couple of times before getting settled, lost a job, etc. -- all while raising XXXX children. When the oldest wanted a vehicle of her own to drivXXXX, which would help me out with the other XXXX kids, we went to a small lot and purchased a two year old vehicle with some cosmetic damage, but it was perfect for her first car. Credit Acceptance Corp was the only company who would finance me, alone, for that car. After paying {$1500.00} down and agreeing to {$400.00} a month car payments, we took possession. Ten months later, the dang thing has been repossessed three times. They were taking the payments every two weeks after the first repossession, and then I lost my job and the payment was returned one time. They kept trying every day to take that from my checking account, and it caused a " decline '' fee each time. Once I realized it, I contacted them to tell them to please stop trying and I 'd pay a different way. I made a payment, but apparently, that did n't catch me up because although biweekly payments were resumed for several months, at an amount they indicated was to cover the repo fees, they came and snatched the car again from my driveway. Once I realized it, I called them and they said it would be {$850.00} to recover it ( AGAIN ). They said I could pay {$250.00} by XXXX XXXX and the balance by XXXX XXXX, but would also owe the payments that would have come due over the time period they had it. Then I had to go through a nightmare with the repo company ( which are not regulated in NC ) just to get personal belongings back. They informed me the car has already gone " to auction '' so what is the point of me trying to get it back? After reading hundreds of complaints on the internet, I realize I am not alone. Although there have been numerous class action lawsuits filed against these folks, I would n't be able to afford to pursue such action. So now I am without that car and from what I read, I 'll have to file for bankruptcy just to get rid of these people because consumers are reporting that they are vicious in every aspect of the car loan industry. Someone needs to investigate and help the consumers who are only trying to get out of their situation. It is bad enough to have to pay almost 30 % interest on a XXXX used car, but their collection practices are out of control. I feel completely frustrated and violated.
I believe that my mortgage representative,  XXXX   XXXX , loan processor,  XXXX   XXXX , and underwriter misrepresented the guidelines that were required for final approval of my mortgage application and/or denied my application in part because of my  XXXX . After receiving notification that I was approved via Citi 's online application status portal on approximately  XXXX / XXXX / XXXX , I received a phone call from my mortgage representative a few days later claiming that I was denied at on  XXXX / XXXX / XXXX . The reasoning for the denial provided by the mortgage representative was that my income, as reported on my  XXXX  tax return, was insufficient. Despite having records of my income via my  XXXX , tax returns, and pay stubs for several weeks prior, Citi 's team failed to communicate this to me until  XXXX / XXXX / XXXX ,  XXXX  week prior to closing and shortly after I disclosed my  XXXX .     I disclosed my  XXXX  orientation to my loan processor,  XXXX   XXXX .  XXXX   XXXX  learned that I was a  XXXX  male through our conversations about gift funds from my significant other who is male.     As such, I believe that  XXXX  's team is disingenuous at best or bigoted at worst. I am extremely disappointed in the team 's handling of the situation and strongly believe that I was not denied my loan because of insufficient income but instead because I am a  XXXX  man.
I noticed this account was showing on my credit report In which i disputed it with the credit bureau and it came back as verified. Although I have no clue on what could have been used to verify because I do n't recall signing a contract with IC System.
Quality Asset Recovery L # XXXX IS KEEP ON HARASSING ME FOR COLLECTION WHICH I HAVE CLEARED i was visiting usa in XX/XX/XXXX on a travelers insurance and as suggested by a primary health care visited the XXXX medical center for a XXXX. before asking or receiving the health care i have asked the medical center many times, i do n't have regular health insurance, i 'm visiting this country. please tell me the cost first and then i will check with my my travel insurance then will decide if i need the emergency care or nor. no one answered me nothing. they have not even resister my name. just asked to wait for the care. then they XXXX and discharged me without any registration. 

on my second visit a nurse XXXX and asked me to leave. on my way out they collected my travel insurance details, my name, and dob. i left the country after my business travel. 

when i return to usa in XX/XX/XXXX with a XXXX i found that there is negative entry in my credit report. called the collection agency and explained them my case. All they did is asked me to pay the amount around {$700.00} from my pocket. i have paid the amount with the help of my sibling. They promised they have removed the entry from my report. i still see the entry in my report. 

both the medical center and collection agency is doing wrong with respect to this great nations legal system. i would like to file a consumer harassment case against both the registered bodies. please guide me
Without my consent and without notification, my Kohl 's charge card was changed from paper billing to electronic statements. According to Kohl 's, electronic statements are not automatically sent to an email address. The consumer is supposed to know to log on to his/her account and look up the due dates, amount due and date due and then make the payment. As I use this card infrequently and for relatively low amounts, I was unaware of this situation. Now to my problem. My wife or I made a charge towards the end of XX/XX/XXXX. During that time, my mother came down with XXXX. I had to travel with her for several weeks to seek medical treatment. Unfortunately, she XXXX XXXX due to XXXX just after XXXX on XX/XX/XXXX. My wife and I had just returned from the hospital two hours from our house. Someone from the Kohl 's credit department called about the bill which, based on us being switched from paper to electronic billing without my consent, was news to us. My wife told the person from Kohl 's that we would pay it but that now was not a good time given that my mother had literally passed away hours before. I paid the bill the following day but Kohl 's submitted a late payment notice to my credit report in the 24 hours between when they called and when I paid the bill. I thought it must have been a mistake as my wife had explained the situation so she called back and tried to get the report removed from our credit report. In XX/XX/XXXX, I received a letter from Kohls Customer Service and Operations Center dated XX/XX/XXXX stating that they stood by their previous report to the credit bureaus. They have ruined my credit ( I was in the 800s before with zero issues and am not in the low 700s. ) I can not believe Kohl 's is that callous given my clean credit history with them since I have had their card. My account number is XXXX. My name is XXXX XXXX and I can be reached at XXXX.
I received a letter from XXXX XXXX, in an attempt to collect a debt, during the month of XXXX 2017 for an account opened with XXXX XXXX. I have never had an account with XXXX and I immediately called and told them I did not have an account and they told me I had to file a dispute and go into the bank and I did both. I filed a dispute online and went into XXXX local bank branch where they confirmed by social security number, address, and drivers license number to all be different from the account holder. They contacted Convergent and let them know but I then received a letter, dated X/XX/17, not only stating that this was a valid debt but also attached was this lady 's bank account information along with her driver 's license number and social security number! AFTER I told them I was not this lady they STILL sent out information to my address, which is completely different than my own in an entirely different state! I wonder how many other persons information they have given out unbeknownst to them. This has to be against the law and I want someone to know that they are not handling peoples ' personal information the right way. They should have called XXXX back to find out whether or not they had the right person before sending out this lady 's information.
I sent Bitcoins ( BTC ) and Bitcoin Cash ( BCH ) from Binance exchange to Gdax ( Coinbase ) on XX/XX/XXXX and XX/XX/XXXX. Even though emails and coinbase log shows that it arrived and was deposited to GDAX, my GDAX account is not showing the coins. Multiple emails, cases, phone calls, but no customer support what so ever.
I have had constant issues with dealing with XXXX XXXX. I have 4 accounts with them and the only one they are messing with is the XXXX XXXX XXXX store card. I am on a deferred interest plan with this card, not any of the others. I make my payments on time, or so I thought. I made a payment on the due date on XX/XX/XXXX. They charged me a late fee of {$27.00} and added a {$2.00} minimum interest fee claiming they received the payment on XX/XX/XXXX. I provided a copy of my confirmation email showing the payment was made in the MORNING around XXXXPT for the card, which is well before the cutoff time for the same day payment. After about 6 messages and several calls to the company, they admitted fault and removed one late fee. They refused to removed the interest charges that THEY caused due to their system mess up. I have repeatedly asked them to remove them and they are ignoring my messages. They won't even acknowledge my attempts to contact them. I received ANOTHER late fee on XX/XX/XXXX and another on XX/XX/XXXX. I was under the impression that my account was on automatic payments, since I called into the company in XX/XX/XXXX and the representative with a woman with a husky voice who got my bank account information and said she set up automatic payments for me. She did not. XXXX XXXX did not address my requests for answers but rather just told me " auto payments are not offered for my account. '' I again requested an explanation and demanded that they pull my call since I now don't know what happened and what that women did with my bank account information, which is a huge liability for me. I demand answers and I demand that those late fees and ALL interest fees on the account be removed immediately and fix the problem with their system and their lying reps! They are demanding I pay the late fees and interest first before anything else even looking at my account. The phone representative would not budge at even going over my account until I paid them
Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect since XX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on Transunion and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state XXXX was the original creditor I never received student loan through XXXX  my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on Transunion and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX and XXXX orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Account #   XXXX   I have been a Navy Federal Member since joining the Military in  XXXX . While in the military I was approved for a {$4000.00} line of credit with your company, I strongly believe the employees at Navy Federal saw me as fresh meat and prowled on my ignorance when it came to credit at that time. While having the account there were times where my bank card would be shut down due to non-payment, I had no issues making my payments while enlisted so I am not sure why that happened. When I would call customer service they would state that my bank card and account was locked until I made a payment. Mobile banking was also not an option for me when this would happen. I would go to the store and try to make a purchase and my card would come back declined, totally embarrassing. I transitioned out of the military and I did not gain steady employment until XX/XX/XXXX  and my first paycheck was completely drafted from my account by navy federal, my plan was to begin payments as soon as I got paid but not my entire paycheck, I was mortified that this happened to Me. This account has been a nightmare since I opened the account. I did n't realize this was an institution that tricked their consumers in to credit accounts with first giving them knowledge. The young lady who opened the account pressured me to open this account because she fed off of the fact that I did n't have any credit and did n't know anything about it. I was also a victim of the lawsuit against navy federal practicing unlawful tactics to scare their consumers.
Respectfully,   XXXX   XXXX
After receiving a credit alert about Capital One reporting a negative account to all three credit bureaus, I immediately contacted them. They told me that this account was being used and payments were being made to the account. I 've never received any credit card from Capital One and never even knew I was approved for the credit card. Capital One did mail me a document clearly stating " I will not be liable for any of the unauthorized charges '' which contains a list of items. They then did their job and removed it from my credit report, but one month later they illegally reinserted it into my XXXX XXXX credit report. After I called XXXX XXXX, they told me they switched the account numbers up but it certainly is the same account with a balance due of {$2900.00}. I was not notified of this by mail, as required by the FCRA. XXXX XXXX said it might be a mistake by Capital One so I called them back and they confirmed it. I have a copy of the XXXX XXXX report showing this account was deleted by Capital One on XXXX/XXXX/17. Now it was reinserted illegally.
I applied for a loan modification from my present mortgage company. I submitted all the necessary documents to the loan company. They are not answering my calls or processing the loan modification documents. The company is Select Portfolio Servicing , INC .