WillisBack/dataset-financial-user-claim huggingface dataset:
Describe what happened so we can understand the issue ... 
After loosing my job, I fell behind on car payments, I always called and made arrangements. I had called KIA MOTOR FINANCE and made arrangements to pay the balance of XXXX on the XXXX of XXXX. I had made a payment of {$500.00} XXXX and that payment had cleared my account. 
XXXX XXXX I woke up to my car missing. I immediately called KIA MOTOR FINANCE they told me that had not taken my car back. I called the police, after 2hours the police informed me the car had infact been repossessed by KIA MOTOR FINANCE. 
I sent KIA MOTOR FINANCE the record of my payment on the XXXX XXXX being withdrawn from my bank account and I asked them why I they had repossessed my vehicle if arrangements had been made, and then told me that they had not done the repossession forcing me to call the police and waste a public officials time based on a lie. 
They would not answer my questions, they told me I know owed from a beginning balance of XXXX which was reduced by a {$500.00} payment on the XXXX XXXX, to {$960.00} was no infact {$1400.00} + {$490.00} + {$320.00} and another {$370.00} to the tow company. 
I had 48 hours to complete the transaction. 
I paid the full amounts owed to everyone and went to pick up my car. The tow company XXXX in XXXX, CO did not print me a receipt of payment, I was informed they could not print. I retrieved my car which had significant damage on both the driver back door XXXX and the passenger bumper. 
Immediately I informed the lot clerk, who pulled up the pictures of my vehicle when they picked it up on XXXX XXXX. I stood behind her and took pictures with my cell phone, clearly the there was no damage in the photos on the computer, proving they lot or drivers had done the damage upon repossession. 
I asked fora copy of the photos, which I was denied. The owner XXXX, asked to speak to me on the phone, he told me I was " confused '' and when I protested he yelled " XXXX and let me talk '' At which time I called XXXX Police Dept. who sent XXXX officers to assist me and take note of the damage, the verbal confrontation and the photos displaying on the computer showing no damage. 
The police informed me the owner would prefer me take the vehicle to a repair shop and " send him the bill '' rather than give me his insurance information. 
I refused the offer and requested the insurance information for a claim. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Problems when you are unable to pay
Rec'ed Letter from Wellsfargo Bank N.A ., Disputing name of Employee " On Letter dated XXXX XXXX, 2015 ... Rec'ed XXXX XXXX, 2015, Name dose n't match Phone ID caller name..XXXX XXXX ... Wellsfargo Bank N.A . As So, I XXXX XXXX am the Payer on the FHA Loan for the XXXX XXXX XXXX XXXX XXXX Arizona, I have been victom of Wellsfargo 's banking practice 's, many times buy Wellsfargo Employee 's, its hiree 's as well
My merchant services WAS BANK OF AMERICA, and there was a donation charged ( via the website ) of {$9000.00} awarded to the company XXXX XXXX for our future on XXXX/XXXX/XXXX, and fees have been paid on this charge. However, the {$9000.00} never went into the company account. Due to a merchant service rep error, i did n't live in the state i was running the business and this was my first transaction with them ... security stepped in. I was told by XXXX XXXX XXXX that the funds will be returned. I requested a letter ( til date, i still have not received ) on this action. XXXX XXXX went on vacation and XXXX XXXX stepped in and also stated the information of the return will be mailed to me. ( still nothing ). on XX/XX/XXXX, customer was told to dispute the charges because our company did not have the funds. I have now been forwarded to XXXX ( XXXX. ) I have left over XXXX messages on each voicemail and there has been no return calls. I think BOA thought no one would miss the {$9000.00} because no one said anything about it for almost a month. I no longer have any business with boa to even get this money and they have not refunded the customer. There is no feedback to any calls or emails and the merchant that set the account up says he has nothing to do with it any longer. So I am filing a complaint at this point for fraud.
Hard inquiries by XXXX XXXX on XX/XX/2017 listed on my credit report and my wife 's credit report. We have no recollection of giving permission for these inquiries.
My house has been sold in Sheriffs sale. I have three months left to redeem it I want my house. this predatory and fraudulent HELP URGENT. I live here. This is a Bank of America Reverse Mortgage I did not know that in the three seconds it took me to sign. that paper I gave. my house awayThis is all I have the only place to live I want my house and land back. It is a nice house that Myfather left me in his will. My Father Husband and I built this house fifty five years ago. Im a senior citizen and a widow. I may live another twenty years. I raised my XXXX children here. HELP HELP HELP! UrgentI had XXXX XXXX XXXX and a XXXX accident It was not my fault XXXX. The Bank of America speed up the process to take my house away. They also sold my Loan which is against the law.To XXXX Mortgage in XXXX, Michigan
There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   Account #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  XXXX  ''
I have opted out permanently on the FTC site from credit card offers, however I have just received one in the mail. I was hoping either you could help me or you could point me in the direction of who could, in terms of filing a complaint, getting this issuer to stop sending me offers ( they include no opt-out number in the offer ) and finding out how they were able to send me this offer when I 'm opted out. 
Any help you could offer me would be greatly appreciated. 
Thanks.
Last year a collection account appeared on my credit report from a company called SW Credit Systems. It listed the original creditor as XXXX in the amount of {$1000.00}. I have an open account with XXXX for my residence and I am always current on that account. So I wrote to SW asking to verify the accuracy of this account. They took it off my credit report XX/XX/XXXX. I checked my report today and it has been placed back on without submitting any evidence of the validity of this account.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX 1. XXXX 2. XXXX 3. TRANSUNION Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately and permanently within 24 hours. 

Name of Account Account Number Provide Physical Verification Creditor XXXX XXXX  Account XXXX XXXX XXXX XXXX Inquiry XXXX Off Lease Inquiry Off Lease XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX  XXXX Cred Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Credit Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX
In XXXX of XXXX I received a letter stating that information was needed to verify comprehensive coverage of insurance of my property. This information was sent in multiple times to Roundpoint Mortgage Servicing through fax, email, as well as through their own website. However, through multiple phone calls and contacts with the company they claimed they did not receive this information. A policy was forced placed on my mortgage which I refused to pay. A late payment remark was made on my credit report XXXX well as my co-borrower 's credit report in XXXX of XXXX due to my refusal to pay the additional amount request by RPM Servicing ( Roundpoint Mortgage Servicing ). I was never given an opportunity to pay solely the principal and interest which I was obligated to pay until beyond the original payment being in excess of 30 days late. Multiple attempts were made to fulfill my obligation to RPM Servicing prior to the 30 days delinquency. Currently I am attempting to make my XXXX payment and they manner the previous payments have been applied does not allow them to do this in their system.
Had a mobile home loan with Greentree. I divorced and mobile home was awarded to ex wife. XX/XX/2012 I was contacted by greentree that the account had not been paid in over 6 months. I made an agreement to pay the loan off for less than was owed. XXXX was owed, I payed half. In return for payment it would be taken off my credit report. I have tried to get them to comply with there agreement, they will not. Now that it is with Ditech they say they do not have any information on that and they are reporting XXXX written off.
Synchrony Bank has been reporting falsely to the credit reporting agencies since XX/XX/2015. I paid off my debt to Synchrony Bank through a debt consolidation program called XXXX. Synchrony received the payments from XXXX and the last time I wrote the credit reporting agency to address Synchrony 's false reports. Synchrony sent me letter back with the contact info and copies of the last 3-4 payments confirming they received them ( attached documents ). Synchrony reports my high balance as {$3500.00} It shows they confirmed the final payment {$710.00}. The original balance I was supposed to pay through the debt consolidation program was {$2700.00} I ended up paying {$4200.00}. I have tried calling Synchrony Bank 16x on several different numbers they had given me and transferred me to only to to get sent to an automatic disconnected dial tone everytime. This is the only other option I have left to resolve the discrepancy. 

They falsely reported on my credit reports that it is unpaid and they are falsely reporting a balance on my account. They actually made way more money than I even owed.
The Equifax report contains an incorrect address. This address needs to be removed from the report as it is not mine.
When I learned that my house was in foreclosure I was contacted through the mail by Core Advisory Group. I called them and they informed me that after doing an evaluation that they can help me save my home. They said the total cost for their services would be {$4400.00}. I gave them {$2000.00} on. XX/XX/XXXX15, {$400.00} on XX/XX/XXXX15, and {$100.00} on XX/XX/XXXX15 totalling {$2500.00}. The end results was my house was foreclosed on and Core Advisory Group never fulfilled their end of my contract agreement. And afterwards did n't return any of my phone calls! Therefore, I am requesting and believe I am entitled to a full refund. Due to their breach of contract regarding my case.
XXXX XXXX is manipulating my credit files in violation of federal law. Trans Union and XXXX   are complicit in this manipulation. 

I have attached two copies of my Trans Union file ( XXXX is the same ) showing that XXXX XXXX had closed the account in XX/XX/XXXX. They changed that report in XXXX to move the closed date to XX/XX/XXXX. This is negligent non-compliance at best and willful non-compliance at the worst. I did not redeem this repossession nor did I rewrite the balance in any way. The change of the closed date dropped my score 50 points because it now appears that this is a recently closed collection. 

I already have a complain against XXXX XXXX for violation of the FCRA and FDCPA. ( Complaint number XXXX ) They had reported a balance of {$71.00} as late as XX/XX/XXXX. But  when I tried to pay it, they said the balance was {$1500.00} and settled it for more than {$500.00}. Clearly a violation of the added funds portion of the FDCPA TRANS UNION and XXXX  allowing this manipulation of federal law is definitely negligent non-compliance
i had a balance after moving from an apartment complex, i paid the balance off six months later prior to moving to another apartment complex but for some reason this company is trying to collect on a debt that has already been paid to the original creditor
They call non stop. They rang my phone non so for so long the portable phone died and needed to be recharged all night. 

They were very rude to my wife and they call after XXXX.
Hello, I been with Well Fargo for so many years ( since 2000 ) and the way their backing works is no fair. Before paying some bills, I always check the phone appt to see how much I have in my acct and then i pay the bills. but one the bills go thru i actually did not have what they showed so they overdraft my account, no ones but two time ( back to back ) i call and they are refusing to re-inverses my {$70.00}, it had happen so many times that i want to closed this acct, but i have been with them so many years that i think my credit will be affected. On the pas 18 months they have charge me {$910.00}, just on this fees. 
I would like to see if thy refund me some of this money is unfair how much money they make without my consent. 
Their appt shows something and when you used the money you actually do n't have what they said.
Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies ( Trans Union, XXXX and XXXX ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by XXXX. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what XXXX claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of Trans Union, XXXX and XXXX failed to stop or discourage XXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by Trans Union, XXXX and XXXX.
I contacted ad Astra initially to verify the debt via certified mail. They did not give me any paperwork stating that the debt was verified as mine and the collection went on my credit report without verification. Months later the money I owed was automatically withdrawn from my account.
On XX/XX/2018I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of the debts/ accounts I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. Each of these debts have been disputed and deleted in the past and keeps reappearing on my credit report, being either sold or charged off each time they are disputed. The specific accounts I am disputing have made it to the collections section of my credit report which is heavily damaging my credit score. The credit bureaus have failed me as a consumer by not ensuring that the information being reported by them is identified correctly. I am requesting that once and for all these accounts be deleted from my credit report.
Chexsystems, Inc obtained and provided my consumer report to a 3rd party without consent on XX/XX/XXXX with information obtained by XXXX XXXX new business membership department with XXXX XXXX XXXX XXXX at the same address. XXXX XXXX sent a notice of adverse action to my job. All three of my credit files has a security freeze with a fraud alert. I did not personally apply for any loans or credit with XXXX XXXX XXXX and/or XXXX XXXX. I reactivated my membership with XXXX XXXX in XX/XX/XXXX.
I submitted a dispute letter to Equifax on XX/XX/18. I received a letter dated XX/XX/18 on XX/XX/18 requesting proof of identity and address. With my dispute I included a copy of my military id which includes my social security number and copy of a social security/veterans XXXX letter with address. In the XX/XX/18 letter they request such proof like a bank statement. Who in their right mind would send a bank statement. A copy of my award letter to me from the veterans administration or social security seems more than reasonable. And a military id with my ssn on it is federal and cant be anything but proof of id. Equifax is undoubtedly attempting to delay the investigation and would attempt to use this request as a way to delay. If i submit the items they will undoubtedly use the 15 days additional info clause. This is a rediculous attempt to subvert the FCRA and its 30 day provision ... to remove the items if not completed provision.
Began receiving repeated calls without identifying self and I learned from online search company is a debt collector whom I have had no previous business-letter-phone contact whatsoever?
XXXX XXXX  reports my XXXX XXXX account into collection. This account was paid in full and should have never been reported on my credit report.
I received XXXX from Step Forward through the hardest hit fund they approved the money around XXXX 2015. Step forward sent money to Seterus Inc. shortly after and seterus is holding the money and XXXX additional payments -I 've made the money is suspended.. The money is from the hardest hit fund in my because I continue making on time mortgage payments through out the mortgage crisis that left me under water and now have hardship. I have consistently .tried to do the right thing. these people are rude jealous and unprofessional. I would rather keep my house and do right instead of just shutting down and going into foreclosure and asking Step forward to take back the money. MY loan is # XXXX XXXX
When my husband ran out on me and our house payment a year or so ago I missed a few months of payments. I have been on track ever since, but they just keep adding late charges to the amount that was missed. I have been working with Citi for a year or more to get a modification on the loan. I am on my XXXX or XXXX person handling the account and each one says they have no documentation. I have sent the paper work in numerous times and feel they are just giving me a run around to get more in fees and charges or they are very very incompatent. I am getting nowhere with them. This is the XXXX mortgage with Citibank. The XXXX mortgage with Citimortgage was resolved and modified in a much more timely manor and the documentation I sent was used not lost in their shuffle. Their poor was of doing business is very XXXX for me.
I have been getting threatening and harrassing calls from this company, XXXX, and a lady keeps leaving voicemails telling me that she is an Investigator from the State of Va, and that there is a very serious legal matter pending with me, and there are XXXX counts of Financial Fraud that I am being charged with. She also said she was sending authorities to my house or any other address they have on file for me. She has also left messages on my son 's answering machine, my sister 's, my brother in law 's answering machine and talked to my other brother in law who lives in another state and told them the exact same thing. That I am being charged with Finiancial Fraud and she is a a Fraud Investigator with the State of Va, and that I may have a warrent for my arrest. My family has called me in a panic. I called the number back that she left with a " docket number '' she referenced and I reached a man named XXXX XXXX. When I asked him the name of the company that he works for, he said XXXX Legal, he said they are a law firm. When I looked them up, it was a collection agency called XXXX. I requested that no one else from this company contact me or my family. I also asked for the company address and fax number so that I can put that request in writting. He said they do not have a fax #. I have looked this company up and they have some very scary and threatening tactics they use, such as harrassing your neighbors and family, continual calls at home and work, and even coming to your home. I am a single parent with small children, and I am just afraid someone is going to come to my home in order to intimidate me, because the lady said on my answering machine that they will go to my address. This debt they are trying to collect is in dispute with the cmpany and has been for a while. I know that there are legal ways to conduct business, and this is not one of them, this is threatening and harrassing.
Creditor called once at XXXX and again at XXXX the same day which violates my consumer rights per the Fair Debt Collection Practices Act.
TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score has suffered as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed.
On XXXX XXXX, I paid ClearSpring Financial to clear a lien and release a mortgage on my home. It has been approximately 90 days and there is still a lien on my home. I am under the understanding, in the State of Michigan, they have 60 days to clear this matter. They are failing to perform.