WillisBack/dataset-financial-user-claim huggingface dataset:
About 8 month 's ago i discovered i was a victim of identity theft which was very disturbing to me to find out that someone unknown to me had used my personal information to get credit cards, phones etc. under my name and since i was not aware of these accounts they ended up getting charged off and some ended up in collections.At that time i field an FTC REPORT and send it to all credit bureaus and notified them that i am a victim of identity theft. a month later i received my new updated credit report which showed they removed items that was opened up fraudulently, about amount later i got an alert that i have a collection account that is reporting on my credit report i immediately purchased a copy of my credit report and discovered a collection account for an unpaid telephone bill from company called IC SYSTEMS INC, I contacted the company and told them this is a fraudulent account that some one had used my information and the representative asked me if i have a police report and i told them no but i have an FTC report and she said if i get a police report she can remove the account from my credit report, obviously thats what i did and faxed the papers to them and the item still at my credit report. Also this account was not in my credit report originally.
On XX/XX/2019, I sent a letter to Trans Union, asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have taken longer than that.
On XXXX XXXX 2016, we visited the Schomp Honda dealership at XXXX XXXX XXXX XXXX in XXXX XXXX CO. The purpose of this visit was to fulfill an obligation for a vehicle inspection on a lease that was terminating XXXX/XXXX/2016. Honda been contacting my wife and I several times a day to schedule a time for this and to advise us on what our options were since the lease was ending. 

Once at the dealership, we met with Client Advisor XXXX XXXX ( XXXXXXXXXXXX ; XXXX ). While our current CRV was being inspected, XXXX had us test drive a new CRV. After the test drive, we decided to enter into a new lease with Honda. However, since we still had 30 days left on our lease, we did not want to end up with 2 payments, XXXX advised that either Schomp or XXXX would take care of our final lease payment. He also advised that even though we exceeded the mileage allowance on our lease, there would be no extra charge since we are entering into a new Honda lease. 

However, after leaving Schomp with a new lease and CRV, we received a letter from Honda dated XXXX XXXX, 2016, stating we owed {$700.00}. Of this amount {$400.00} was for excess mileage and {$260.00} was for the final payment on the old lease. This letter was in direct contradiction with what XXXX had informed us. Naturally we called XXXX and explained the situation, XXXX advised he was mistaken and asked my wife to meet him to change the terms of the lease. She advised that was not an option and indicated we would return the vehicle if they could not honor what we were told. XXXX advised he would speak with his manager. 

On XXXX XXXX, 2016 we spoke again and this time he stated the department that handles payments to XXXX XXXX was closed and that he would take care of it. 

On XXXX XXXX, we left a message for General Manager XXXX XXXX ( XXXXXXXXXXXX ; XXXX ) but did not receive a return call. 

On XXXX XXXX 2016, XXXX left us a voicemail stating they would take care of the final payment and excess mileage amount. 

On XXXX XXXX 2016, we contacted XXXX XXXX XXXX to verify the balance has been cleared. XXXX XXXX XXXX confirmed the outstanding balance of {$260.00} was still owed and is now 4 days past due. This is extremely disappointing as well as alarming as our credit history is now at stake. Schomp Honda 's failure to act quickly has directly led to borrower harm. We are now forced to rely on regulatory agencys to help move Schomp to action. We are requesting the final payment be cleared as was agreed by both parties on XXXX XXXX and confirmed XXXX XXXX. In addition, we are requesting written correspondonce from Schomp Honda that this has been resovled.
I am responding to a letter I recieved in the mail indicating that I owe a fee of {$1500.00} for a vehicle of which I do not own any longer.The letter was sent out to me on XX/XX/2016. I have not been the owner of this vehicle as of XX/XX/2016 as the vehicle was repossessed. I have paid all fines and tickets pertaining to the vehicle while it was in my possession. I am not obligated to pay the stated amount in any form or fashion. This response is an attempt to debunk this claim of debt. I would like to know why I recieved such a letter.
I have a credit card for our business with 5/3rd Bank out of XXXX, OH. I have had this card for over 10 years and in the past had done all of my business with 5/3rd until the 2008 housing crisis. At that time, I was trying to get another mortgage and a Senior VP at 5/3rd lied to me during those negotiation and was eventually fired for mistreating me. I then took all of my corporate business to XXXX Bank in XXXX, with the exception of this XXXX credit card. I have an excellent credit rating and I have paid on time for years. However, a month ago, I did not get my statement in the mail and before I realized that I had not paid it, my payment was 10 days late. The next month, I found that they had raised my interest rate from 9.24 % to 29.99 % just for being 10 days late. That is a penalty of {$220.00} per month! They have now informed me that this penalty will be in place for six months! Meaning that they are going to penalize me {$1300.00} for being 10 days late on XXXX payment. Clearly this is predatory. Certainly, they are trying to drive my business away. I have no problem with that, I just have a huge problem with how they are doing it. That is a lot of money for any small businesses and many would not be able to take their business elsewhere. This simply is wrong and I ask the CFPB to investigate this practice at 5/3rd Bank to see how wide spread this predatory practice is and how many businesses have been affected. Then I ask that you take action to get them to repay me and the other business victims for the money that they have literally stolen from us.
I made on XXXX.18 two transactions at XXXX XXXX and was supposed to earn an additional bonus of 30 % cash rewards for the first purchase up to a maximum of XXXX cash back. I signed up for the offer XX/XX/2018 at XXXX XXXX. The first purchase was in the amount of {$180.00} ( Men 's Department ). The second purchase was in the amount of {$30.00} ( Women 's Beauty department ). The Wells Fargo system defaulted the bonus to the second purchase which was only {$30.00} - I earned XXXX instead of the 30 % of the larger transaction of {$180.00} which should have equated to XXXX . I am due a total of XXXX- XXXX=XXXX. I feel particularly misled because i had the option to use my XXXX XXXX  card for a total of 25 % of my transactions but chose the 30 % the Wells Fargo Cash Wise card promised. 
I called the Wells Fargo rewards department which repeatedly asked me for my receipt which i did not keep as the purchase was a gift for my dad and had no intention returning.They seem to refuse to request the receipt from XXXX XXXX to check the time stamp on the receipt and validate the larger purchase was in fact made first. If I were to dispute the transaction they could easily obtain that receipt from the store.Not sure whether the two transactions made the same date were posted as a batch and the system defaulted to what was convenient for the bank and at the cost of the customer, but this could be a larger systematic issue WF should fix.
I XXXX XXXX XXXX, need help with my home, we complied with all the requested documents sent for modification to Bayview Loan Servicing. We were told we did not qualify. We confided in a person from XXXX and we were told to take our documents we did we had n't heard from this person who told us everything was fine do n't worry we waited and waited. we decided to go to the office and we were told this person no longer worked there. Now we are facing pre-foreclosure we have XXXX children and no where to go we sent letter to Bayview please help us save our home. My wife lost her business work was slow for me. Now I am the only wage earner we are struggling we want to save our home please help us. If we knew this person was n't doing anything to help us we would have struggled our best to pay our mortgage and not fall into default. Please help us. Now we have someone helping us gather all the documents together and making copies.
There was fraud on my account related to cyber security and other issues. My account illegally has a negative balance, because TD Bank did not update my file. Additionally, I must worry for the security of my account when making deposits. I reported the fraud and TD Bank has not properly credited or updated the account.
XXXX has ALL collections through their company, all collection accounts are listed as a revolving type of debt. I have tried disputing this information through equifax. XXXX has listed this type of debt through equifax credit company. I have tried contacting Equifax with no response. Please have this company fix their inaccuracies for XXXX XXXX Medical Center, which are medical bills and not revolving credit accounts. In addition XXXX XXXX has an account listed without a date or amount owed, I find this questionable and am concerned about fair credit reporting practices this company conducts. They have made multiple inaccuracies on my credit report, causing my report to contain XXXX inaccurate information on my accounts. In addition, I would ask for CFPB conduct an investigation into the practices of this company and also remove the several innacuracies XXXX XXXX has reported on my credit reports. Please have this company also verify the original debt, because I do not feel they have this information in their possession making the debt removal necessary also. The fact remains this company is not following legal practices for credit reporting and should be audited for other consumers they may have affected. Sincerely, XXXX XXXX XXXX XXXX Please feel free to contact me regarding the investigation at either email, XXXXXXXXXXXX, XXXXXXXXXXXX
A company by the name of Accelerated Revenue Managers in XXXX California reported my name and home address to XXXX ( XXXX of the XXXX big credit reporting agencies ) with derogatory information regarding an unpaid pest control bill ( to a company named XXXX XXXX ) without having ever notified me of the debt scenario or that they would be damaging my credit score as a result of their filing. I did n't find out about it until I went for a home refi on my mortgage and their filing showed on my report. At no time did I have any creditor relationship with XXXX. Accelerated Revenue Managers most assuredly is not following the proper communication protocols nor should they be reporting potentially fraudulent negative credit information without first establishing contact with the alleged creditor. Please investigate their credit collection practices so that others are not harmed by their tactics.
I disputed a {$32000.00} on my Experian report that was submitted by XXXX XXXX. Experian did not investigate properly and concluded that item should remain on my report. I have no business with XXXX XXXX. I understand they bought the debt from a bank in XXXX. This bank XXXX XXXX XXXX has provided a fictitious amount. Also before now this bank has harassed and threatened my though phone and email. I did not incur such debt XXXX XXXX  stole my information and send a fictitious amount to experian from a foreign company and they put in my account without investigation. I had written to XXXX XXXX  and disputed this debt and they said nothing for over 1 years and came back to post this on my report in experian
I sent an email to our account relationship manager, XXXX XXXX, on XX/XX/XXXX requesting a copy of the amortization schedule that matches the amortization table in the loan modification schedule on page 9. Per the loan amortization schedule and mortgage account statement, principal balance is {$570000.00}. The table in the loan modification on page 9, principal balance is {$530000.00} from XX/XX/XXXX to XX/XX/XXXX.
XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017. Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. XXXX Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l
I ordered face cream from advertisement on XXXX. It said there was just a small shipping fee. On my phone, thats all I saw. If there was anything else it was n't viewable on the screen. When I got the packing list, it said nothing about the reoccurring payment. It had no name, address, phone number or email address to contact the company. I never received an email from these people for a confirmation or that I would be billed anything additional. 
They billed it through XXXX place when they shipped it, another when they charged me the XXXX, then when I disputed the charge, there was another name, then when I finally got a phone number for them - they gave another name and address. That sounds like a shell game. I have the info from Discover credit card, and the packing slip, and then when I contacted Discover, THEN I got an email cancelling the reoccurring billing!
Transunion is again refusing to update my XXXX XXXX XXXX Credit card statement account monthly as it it is reported by the creditor. Transunion has not updated this account since XX/XX/2018.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that XXXX XXXX reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that XXXX XXXX place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later  it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
XXXX XXXX loan in XX/XX/XXXX for XXXX in XXXX. Navient became the " owner '' XX/XX/XXXX. Payments from XX/XX/XXXX-XX/XX/XXXX are not available and repayment balance does not reflect 2 years of repayment. I called to ask about forgiveness since I work in rural family practice. Have received no assistance in this matter.
I was recently notified by Equifax that my info was included in the hack of their database. So I signed up for credit monitoring service through them and I tried to file a dispute online about some accounts. When I submit info however the verification questions that come up have nothing to do with me so I have to answer each one does not apply and cant get my identity confirmed to dispute items on my credit report. I brought this to there attention and was told id have to do it over the phone. But when I call them to do it that way they ca n't do it either and tell me I have to file online. Its XXXX XXXX and this company is so incompetent they should never be in charge if peoples credit info
I borrowed {$1200.00} in XX/XX/XXXX for approximately 2 weeks. On XX/XX/XXXX, I called to pay off the loan in full. The total was {$1800.00}. Big Picture Loans has not taken the payment out of my account and they are continuing to access interest on a loan that was paid off. They are refusing to present the ACH withdrawal to my bank XXXX. I have called my bank on 4 separate occasions to find out if the payment had been presented for payment. XXXX indicated that XXXX XXXX XXXX XXXX has never presented a ACH withdrawal. 

I spoke with the manager at Big Picture, XXXX twice and she assured me she would take care of the payment in full. 

Then I receive an email from the company stating they still have not taken the payment BECAUSE OF AN ERROR ON THEIR PART. 

At this time, I am filing a fraud complaint against this company for unethical business practices and extortion for attempting to access additional interest on an account that was paid off in good faith. The money has been sitting in my XXXX checking account since XX/XX/XXXXwaiting for Big Picture Loans to process my payment in full while I keep getting phone calls stating my account is delinquent and accessing more interest.
My personal information ( potentially any of all of the following : social security number, date of birth, address, phone number, and driver 's license number ) were breached from the Equifax credit bureau 's databases and were divulged to unknown parties without my consent. Checking the potential impact on my personal information through Equifax 's online website yields a generic message that is not very descriptive.
I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by XXXX XXXX at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet XXXX XXXX Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XXXX XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.
I recently received a letter XXXX dated XXXX XXXX, XXXX ) from XXXX XXXX XXXX informing me that I was being automatically upgraded from a XXXX XXXX to a XXXX XXXX unless I opted out by XXXX XXXX. It took XXXX minutes online ( website refused my card information which was copied directly from the card and then technical support tried to tell me that the website in the letter was the wrong website ) and on the phone to opt out XXXX which I successfully did XXXX. My issue is that I do n't believe companies should be able to unilaterally change a credit card from XXXX type to another ( from a store card to a XXXX XXXX and require consumers to opt out. I think the company should make the offer and let consumers opt in.
My mortgage company has not paid my property taxes for the 2016 year. I am almost 2 months delinquent for this issue. I have made multiple attempts to find an answer on why my property taxes have not been paid by speaking to their tax and customer service departments. Both departments have no idea on why and are giving me the run around. I was told I would get a phone call back to update me on the status 2 weeks later I am still waiting for the phone call. I do not want to pay the penalties incurred for the late payments.
Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. 

TransUnion changed their website after the XXXX crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.
sent me letter telling me i going to jail if i do not pay plus they up the fee from the first debt
The bank gives out bad financial advice. Recommended that I put money into an IRA account. Because of this advice I pay more in taxes, .. a lot more! The bank is unable to give me details of my account. Can not tell me if I 'm making money or losing money on investments. Can not tell me how much money I put into a investment account. Can not tell me the rate of return or how much the gains are of the account. I can only assume the bank is stealing money from me.
My mother is deceased ( XX/XX/XXXX ) I am the daughter executor of will. Her home was sold to her in a deed of trust and she was promised a warranty deed and she never got one and paid cash XXXX in XX/XX/XXXX. Then she found out later on XX/XX/XXXX when borrowing money to paint house the deed was still in a deed of trust and I have the will of the man who sold her this house. XXXX XXXX XXXX XXXX Georgia XXXX. My uncle and this man made the transition 2 years before she ever purchased it in a contract of settlement and now it 's in a security instrument with citimorgage. Citibank made loan over phone she had XXXX and I told them she did and they did that XXXX anyway and this is an investment home there will never be a clear title to the home. Her sister drowned 2 months after mama passed because her husband is the one that took the money and did this. Please help me XXXX XXXX XXXX.