WillisBack/dataset-financial-user-claim huggingface dataset:
I co-signed an automobile lease for a new XXXX XXXX with my adult daughter in XX/XX/XXXX. The lease was with Southeast Toyota Finance aka World Omni Financial Corp. My daughter drove the car and made the $ XXXX monthly lease payments on time. She was involved in an accident in XX/XX/XXXX and the car was deemed a total loss. She continued to make her lease payments as directed. In XX/XX/XXXX, our automobile insurance company, XXXX, paid {$13000.00} to World Omni Financial Corp. World Omni claims that on XX/XX/XXXX it mailed one {$800.00} final payment invoice ( which they say was the difference between the XXXX payment and the actual value of the car ) to my daughter 's address and posted a copy to my address. World Omni Financial says the due date was XX/XX/XXXX, less than 30 days later. Neither my daughter nor I received that bill in the mail from World Omni Financial and they did not attempt to contact us about any past due amount using the multiple email addresses and phone numbers they company has on file for each of us. Instead, without a second notice or attempt to communicate, World Omni Financial listed the debt as a " charge off '' and reported the account as delinquent to the XXXX credit bureau. I learned about the matter when my credit protection service alerted me to the delinquent account report, a first ever on my more than 40 year credit history. Though World Omni Financial had already written off the debt by the time I contacted them, I subsequently paid it off through a third-party vendor they use -- XXXX XXXX ( confirmation # XXXX ). Had World Omni Financial called or otherwise attempted to contact me before all of this, I would have paid them what was owed. I always do.
I have been victimized by a rather elaborate scam where a woman posing as a representative of a shipping company has utilized holes in the Payment by Phone process used to pay credit card bills. The gaps in the process exist on both the side of the bank as well as on the side of the Credit Card Company. As a result of these deficiencies, this person has been able to steal a significant some of money from me and most likely has other victims in process and is looking for more. 

Further details are included in the attachments to this claim submission.
I am filing a complaint against this collection agency because I disagree with the amount that the company is trying to collect : {$7500.00}. I have repeatedly asked for an itemized detail of the charges to show what constituted that amount. However, the collection agency only responds with a copy of the lease and a one-page statement that just says {$7500.00} on it. A copy of the lease and one page that says {$7500.00} does not constitute and itemized detail of charges. They have still not provided the information that was requested.
Six months ago I submitted an application for a loan modification after I had XXXX problems and XXXX renters who gravely violated the lease with not paying their rent, leaving debris and garbage all over the yard, inviting other folks to live with them, bringing in a trailer for even more people to live in, growing drugs and destroyed the electric meter by trying to slow it down. Spending over three months and expensive attorney bills to get them out, another month to clean and repair, replace appliances and find new tenants.
I received a letter from Barclays on XX/XX/2017 thanking me for choosing Barclays Online Banking. The letter explained that I would enjoy all the great rates and services associated with my new account - Online Savings Account and a Online CD account were opened ; both amounts were {$8000.00} each with a total amount of {$16000.00}. I can provide documents of the letter sent showing my two accounts, account numbers, and the amount funded which included the CD maturity date. These transfers were taken from my private trust account where you can not put money back into the account, you can only disburse or withdraw. As soon as I received the letter I immediately called to verify both accounts as I was placed on hold. The gentleman from the security department was very rude and outrageously sarcastic. The gentleman reiterated to me a false blog information that I have never heard of, nor that I was involved in, or some sort of scam that has been going on, which stayed inter-office where my private trust account is currently located and active. I tried to state the fact that I have documents showing proof that I have been using my account, but everything was one sided. If I knew that this is how Barclay 's conducted business I would have never done business with them. Shortly after I called back and I finally had a chance to talk with a manager who was very rude, and also sarcastic, who even laughed out loud as I explained my account. Barclays in fact not in the customers best interest and not an ounce of due diligence was taken. If my account was not valid, I would have not received a letter congratulating me for doing business with them showing my Online Savings Account and Online CD Account. The authority of the account is mine, and where the funds were drawn from to fund both accounts do exists. Barclays did not notify me of insufficient funds nor did they claim that the account was n't valid.
On XX/XX/XXXX I purchased a vehicle financed through Satander Consumer USA. Payments were made. My vehicle was repossessed XX/XX/XXXX atXX/XX/XXXX in a very disruptive manner ; I.e : my car alarm was set off and the tow company lit up the entire neighborhood with lights and the sound on my vehicle. Without any notice my vehicle was repossessed and per Nebraska state law I was to be notified via a certified letter that my vehicle was in a repossessive state and given 20 days to rectify ; they failed to send me notice. After the repossession I called Santander and asked for the notice, the representative XXXX I spoke with was rude and stated it was not his job to notify me of my finances. I then mailed a Debt validation letter on XX/XX/XXXX and never recieved a response, I then was notified they sold the vehicle and that I now owe over {$10000.00} and are reporting on my credit file 3 different amounts as a bad debt/charge off, but I was never given the amount needed to get my vehicle back and rectify the debt to get my vehicle back.
Creditor, continues to change the amount of debt upping by XXXX dollar a month to hurt my credit more. Currently the balance owed keeps going up from original amount, just to continuously drop my credit score. Falsely showing I owe more than I do..
In or around XX/XX/2018 XXXX XXXX was approved for a loan modification. On XX/XX/2018 XXXX XXXX submitted an appeal of the loan modification offer. Pursuant to Regulation X, 12 C.F.R.

1024.41 ( h ) ( 4 ) a loan servicer is required to keep an offer of loan modification open until no less than 14 days after the loan servicer completes the appeal. On XX/XX/2018 XXXX XXXX, an attorney for Caliber Home Loans, notified Mr. XXXX that, since he rejected the modification offer, " your default can not be cured '' and the property was now subject to foreclosure. XXXX XXXX did not acknowledge the right to appeal or the deadlines prescribed by Regulation X. Caliber then advanced foreclosure while the appeal should have been pending in violation of Regulation X, 12 C.F.R. 1024.41 ( g ).
Received a letter on XX/XX/XXXX stating that I owe {$2600.00} to the GA Dept of Revenue. Called Professional Recovery Consultants, they asked for the last 4 of my SS # and my DOB. This debt was paid in XX/XX/XXXX and doesnt show on my credit report. Why would the GA Dept of Revenue use a company not accredited with XXXX?
I signed up for an American Express Cash credit card with the rewards program giving {$150.00} back after spending {$1000.00} in the first 90 days. I spent the given amount in the first 30 days with and additional {$1000.00} in the following 60 days. After waiting several weeks I called in to collect on the {$150.00} and was told that I was not eligible because I was a previous card holder. Upon further inquiry I was informed that it has been over 12 months since the previous account had been closed and it was confirmed that I was never informed upon opening the new account that I was not eligible for the {$150.00} rewards program because of that.
Not sure what this is it, reports on my credit as a loan which I never took or received. 

Preferred credit secured loan pob XXXX XXXX XXXX mn, XXXX ( XXXX XXXX XXXX total XXXX chargeoff
I started receiving calls on a medical debt that is over 4 years old from Capital Account starting XX/XX/2018. They get very nasty and abusive and when I asked them to just msil my any communication they got even nastier hollering and screaming at me. I have blocked their calls and they call back from over 6 different phone numbers. I have received calls twice in the same day. 
The company states they can continue to call me until I put it in writing. 
However, they informed me the call is being recorded so they have proof I wanted them to cease calling me. But they won't stop! 
I had a recent death in the family and this past Friday, XX/XX/XXXX, they called got nasty about me not wanting to talk with them and started getting aggressive and loud. I am now mad and upset that this company will not back off. I have taken to calling them back numerous times to get them to back off-but to no avail. 
I just got another call this morning XX/XX/XXXX. This needs to stop. 
I have made a record of the dates and times they are calling and the numerous phone numbers used.
I saw I was in collections with XXXX XXXX XXXX  through My credit report for XXXX XXXX XXXX I reached out to both companys requesting an iteamization /complete bill breakdown XXXX XXXX XXXX informed me they had no record of it and instructed me to contact the collection Agency which I did and was Only emailed a form stating there was a past due balance of XXXX there was nothing stating what the charges were for there for the debt dose not exist.
I have  XXXX  derogatory account claims on my  XXXX , Experian, and  XXXX  credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on  Federal and State of  Florida  Statute Of Limitations. I have reached out to all  XXXX  credit bureaus and filed dispute s and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX  k has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.
This item is inaccurately reported on my report for a while now under XXXX BKPT CT FL XXXX I 've contacted Equifax in writing and requested a permanent removal to this item since it 's inaccurate, they mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature or legal documentation that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX BKPT CT FL XXXX wo n't give me any answers or access to learn about the account since it 's confidential, they also advised me that the Bankruptcy court does n't report to any credit bureau period. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt/item comes back with different entity discerption. 

the public record info is the following : XXXX BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX identification # XXXX reported as Chapter XXXX Bankruptcy Discharged
A pervious acquaintance made a purchase from XXXX XXXX on credit. A collection company is now trying to collect the debt from me. I am not a party to the debt, nor have I ever been. I requested verification of said debt, and they sent a copy of a statement in which I am not listed. They refuse to stop persuing collection of the debt unless I file a police report for Identity Theft. I do not see any indication that my identity was stolen by the borrower. I contacted XXXX XXXX and was told that I had been put on the account as an " Authorized User '', but I was not a party to the debt.
Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested Equifax report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.
I submitted 4 dispute requests,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. Under the new law effective XX/XX/XXXX any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from my credit report.
We have made several attempts to settle this matter and we have sent information requesting documents that prove that our position is correct, but they will not release those documents because they are very telling. So this has led us to file again the questions that were not addressed in their reply to you initially. They have already admitted that they do not have the original note and mortgage, but this was key to them getting a judgement against us. where is the fairness in that. The additional questions are being asked to ascertain the position that they have accepted or offer by singing the registered mail sent months ago, and it should be honored. and the sale stopped.
Due to their system being compromised a lot of customers who bought electronic gift cards from the company, PayPal Digital Gifts, lost all the balance from the gift cards they bought. I am an affected individual also. 
Item bought : XXXX XXXX XXXX digital gift card. 
Value : {$50.00}.

Price paid : {$40.00}. 
Order number : XXXX Date of order placed : XX/XX/17. 
Bought from XXXX. 
Sent an email to the company today.
To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my XXXX credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by XXXX and XXXX XXXX. XXXX has repeatedly refused to block items by XXXX XXXX   on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX   has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.
On XX/XX/XXXX there was a fraudulent ATM withdrawal for {$2800.00} from two ATM machines. I have contacted my local branch to file a claim and even changed my debit card, after which I was given a provisional credit for the full amount. Few days later the claim was reversed and all credits were taken back. Later it was explained to me that the reason the claim was reversed is because the debit card has a chip and it is impossible to duplicate it and now it is our problem. I was told by the bank to go to the police station to file a report so they could access the ATM cameras. I did file the police report and was told that it would take up to three months. 
On XX/XX/XXXX-XX/XX/XXXX someone has deposited a fraudulent check in my checking account and then made an ATM withdrawal for {$2900.00} and a purchase for {$750.00}. Again, I have contacted the bank and filed a claim. The funds were returned and then reversed some time later. I then went to my local branch and spoke to the manager. The manager has contacted a claim department and then explained to me that, apparently, someone has called on my behalf impersonating me and started to complain about the debit card saying that it was damaged and want to request a new one along with the new PIN number. The request was granted and a new debit card along with the PIN number were sent to my home address. The problem is that I have never received anything in the mail. It seems that someone has intercepted my mail and got all the information and the debit card. This way all my money were stolen from all my accounts. The bank has admitted its fault and still does not want to refund my lost money. I was given the provisional credits numerous times and they were all gone after a few days. It was a back and forth game. I have tried to contact my branch manager but nobody is doing anything to help me get my honestly earned money back, and it seems that the bank does not protect the funds I have entrusted it with. 
P.S. 
My savings account was also affected by the fraud. The money were transferred from and to checking and savings account by some unauthorized person. A bank employee has closed the savings account and due to this I no longer have online access to it to see the transaction history.
my bankruptcy was closed and filed XXXX2006 and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well
We ( I represent a non-profit business XXXX XXXX XXXX, XXXX TN ) attempted to send XXXX USD to XXXX through Western Union-Money in Minutes. On XX/XX/XXXX through XXXX XXXX, the transaction was completed, a tracking number ( XXXX ) was issued. The teller ( XXXX ) called WU to verify that everything was good. 
After 4 failed attempts to receive money, I called WU - 1st agent ( XXXX, emp # XXXX ) ( on Saturday ) said money was being held, would take 24 hrs to respond to us ; 2nd agent ( XXXX, emp # XXXX ) ( on Monday ) said money was being held, would take 48 hrs to respond ; his supervisor ( XXXX ) said would take 72 hours to respond. No case numbers or other evidence of the matter being recognized were given. I asked to be transferred to XXXX XXXX in corporate headquarters. Both XXXX and XXXX said they couldn't and they couldn't transfer me to anyone else at all. I emailed Ms. XXXX seeking help. XX/XX/XXXX, an agent ( XXXX, emp # XXXX ) called and said the money was being refunded - that there were general problems with sending money to XXXX. I asked if there were specific problems with XXXX XXXX personally, and he said no. No one addressed the fact that we have been sending funds to Pastor XXXX monthly through Western Union since XX/XX/XXXX and that {$11000.00} was transferred on XX/XX/XXXX ( Tracking # XXXX ). 

This money is being used to purchase land on which to build a church and ministry buildings. The time delay has put this purchase in jeopardy. Western Union took our money without any attempt - and according to them- without intention of either contacting us or fulfilling what they said they would do.
The credit reporting agencies are reporting Public Record Information on my profile that is inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.