WillisBack/dataset-financial-user-claim huggingface dataset:
I filled out a form of cancellation for a XXXX located in XXXX, Washington and they misfiled it back in late-XX/XX/XXXX/early-XX/XX/2016. The debit card connected to membership, around the same time of my membership cancellation, got lost so I cancelled it as well. I did n't inform them of the card cancellation because I thought I had cancelled my membership effectively. They continued trying to charge my cancelled debit card into the coming XX/XX/XXXX before they informed me that the National Credit Services would take on the debt. National Credit Services sent mail to an old address of mine to which I could not retrieve it. They are trying to collect debt from me, but I should not have to pay this debt because the gym themselves misfiled my cancellation. What if they did this on purpose to profit off my cancellation? They claim I need proof that I cancelled but after filling out two cancellation forms ( another one in XX/XX/XXXX to stop further charging to my account ) I was not presented with any certificate of proof.
Bank of America reported fraud on my XXXX report for fraud activity on the account. Please help me correct this
Monthly payment was made XXXX-18 and then pay off made XXXX-18, on a recorded line the rep stated you have to call in pay off payments that are planned on being made. I asked her to direct me to where this clause was in the contract and she could not. Even though the balance shows as {$0.00} completed and I can't use my social security number in the automated system because it says I no longer have a loan, they took out another payment for XXXX on a {$0.00} balance. They plan to take out another payment in XXXX claiming the 2 payments are for interest. This totals over {$1300.00} in interest being charged in 28 days on a paid off account. After arguing back and forth that the contract had no call in clause and being placed on hold multiple times and transferred, they finally agreed to shut off the automatic payment. They reversed the XXXX payments but still want me to pay an additional {$1000.00} in interest fees and will be billing me for this because their screen shows different information than they show on my online account. Even though it is paid in full with a {$0.00} balance, completed, states they took {$0.00} out for XXXX but admitted on the recorded line they did in fact take the payment out, they are still requiring another payment in XXXX on a {$0.00} balance and loan that can't be accessed via my social security number because it is paid off. This is fraudulent business practices at best. Loan amount taken out was {$16000.00}, first payment due date was XX/XX/18 and amounts paid were {$610.00} on XX/XX/18 and an additional payment of {$16000.00} on XX/XX/18 for a total of {$16000.00} which is {$490.00} over the amount borrowed and paid off within 28 days of the monthly payment leaving a {$0.00} balance ( screenshots taken ) but they are now requiring I make additional payments of {$510.00} and {$350.00} " for interest '' which is an additional {$860.00} on top of the {$490.00} already paid for 28 days of the loan. This is a total of {$1300.00} " for interest '' for 28 days of the loan. Again the loan is paid off in full but they are requiring additional payments even after a {$0.00} balance. The second rep said they will update the system for my refusal to pay on a {$0.00} balance to reactivate the loan, which will accrue interest and payments again on a {$0.00} balance.
PORTFOLIO RECOVERY ASSOCIATES XXXX XX/XX/2012 I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
I'm a XXXX XXXX XXXX XXXX Veteran, I had a home financed with Wells Fargo Mortgage Account number XXXX for my VA home loan locations of home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past SEVERAL years i have told Wells Fargo that my loan was transferred to the VA and WF paid off, yet Wells Fargo continued to Lie, Misled, Alter documents and records and submitted for several years false and inaccurate information thus damaging my personal credit, WF refused numerous times to correct the Credit Reports and continue to lie and caused me serious financial hardships and higher loan interest rates etc .... This went on for years even the Credit reporting agencies told me time after time that WF reuses to correct the problems and it continued harm me. 

Finally Wells Fargo got caught and I received a letter that WF now admits they erred for years on my credit and loan on my home. This letter received last week admits the problem and they now years later are letting me know they screwed up my credit for years. It has cost me dearly to the amount of over {$11000.00} in financial loses and denials, and higher interest rates all because they lied. Knowlingy misled me, other banks, credit cards etc. all causing me financial ruin.
At the beginning of the year, I signed up for an introductory offer with PayPal which was a 6 months of free financing. According to the offer, I would not incur any finance charges until after XX/XX/XXXX which is when the offer would end. I made some purchases and mailed in my payment on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from PayPal stating that they had not received payment so I explained to them that I had mailed the check. I called my bank, XXXX XXXX to verify if they had received the check and they had not yet received it. XXXX XXXX did ; however, offer to call PayPal on my behalf if needed to verify that the money was in my account and could be transferred immediately. I have an excellent credit score of XXXX and pay my bills on time. I then contacted PayPal and explained to them what happened ; however, they did not seem to care. I paid the entire bill in the amount of {$1900.00} over the phone with the customer service representative on XX/XX/XXXX. PayPal then informed me that they would not be able to waive the {$230.00} interest fee and that I would have to send a letter to PayPayl Correspondence Team to see if they would be willing to waive the fee. I mailed a letter to them on XX/XX/XXXX. I received an email from PayPal that my account was being reviewed and that they would get back to me. PayPay refunded my account for the late fee of {$25.00} but would not refund the interest of {$230.00}. On XX/XX/XXXX, I contacted PayPal and spoke with a Supervisor named  XXXX, not sure if her name is spelled correctly ; however, the conversation was recorded so you could ask for a copy of the recording. I told XXXX what happened and asked her to waive the interest fee ; however, she said that she would not be able to do that for me. I told her if PayPal would have contacted me on the date it was due and informed me that they had not received payment, I could have taken care of it immediately. I ended up paying the interest fee today in the amount of {$230.00} so PayPal would not be able to continue to charge me interest. I am hopeful that you could look into the issue and I am requesting a refund for the interest paid in the amount of {$230.00}. Thank you.
On XX/XX/XXXX my unit was picked up from my place of employment. I contacted the lender and they advised I was 54 days past due and because of a previous cease and desist - they could not contact me, and since I didn't call them they moved forward with an involuntary repossession. I questioned the cease and desist and why nothing would be sent in writing ... I was advised there is a full and a partial cease and desist and they have me as requesting a full. I requested the email request for cease and desist that I sent as well as the verbal request be pulled for review. I questioned there policy and procedure and how it relates to cease and desist and is there a required script. I was advised that while they are not permitted to make contact with a full cease and desist they do have to follow all state and federal laws so if a RTC is required by the state regardless of the cease and desist they have to send a RTC letter. So I am asking the CFBP to look into not only my concerns but take a closer look at bridgecrest and there repossession policy. I am asking that all calls made to me be pulled and a determination made if  FDCPA was violated with the amount of calls generated to me in the months of XXXX, XXXX, XXXX, XXXX and XXXX. I am asking that the CFPB specifically look into bridgcrest Cease and Desist policy and how it relates specifically to my account and not receiving a RTC letter. I would like the CFPB to look into how me speaking to them on XXXX in regards to warranty information on my unit, relates to no communication within 30 days and a repossession at XXXX dd. I also spoke to a rep on XXXX  who advised the locks on my unit were ordered to be changed by the tow yard and this would be an additional fee if done. When I arrived to the yard to pick up my items the manager advised bridgecrest would never change the locks on the unit because it is foreign in addition he showed me his computer screen, which showed all communication with bridgecrest and never was the locks being changed a conversation or request.  This is fraudulent behavior by bridgecrest representatives and only adds insult to injury. I have made a verbal complaint with bridgecrest, I have filed 2 complaints as of today with the BBB.  I will be filing a complaint with the State Attorney's office and will continue to reach for assistance until someone can explain to me how my rights as a consumer were not violated and or my vehicle is returned.
I have sent 2 letters to Diversified Consultants about the debt they say I owe to XXXX. 
Both letters were sent certified and signed for. In the letters I repeatedly asked for them to send proof of the debt I owe and provide me with viable evidence, bearing my signature, showing the account is being reported accurately. 
Both times they have responded, they have not provided me with said documents. Instead they sent me a billing statement that is not accurate and has no signature from me.
American Express sent me an invitation to apply for a XXXX charge card that included an inducement of XXXX Membership Rewards points if I applied by a certain date last XXXX. When I called in ( timely ) to apply, the representative opened the offer on his screen but at some point his system froze. He had to transfer me to another agent who regretfully informed me that after the offer is " opened '' on a system, it can not be opened on another system. AMEX then tried to pull a bait-and-switch on me in order to get me to apply for the same card with the same fee but this time with only XXXX Membership Rewards points. Despite calling several times to rectify the problem and having solid documentation, AMEX has been unable to do the right thing.
I have asked what was my original creditor they will not tell me. They just tell me the amount I owe. It says I owe {$1300.00}, but I paid an amount of it  in 2016. I f I do not know which creditor it was before LVNV Funding LLC than how do I know it is a real debt collector I owe?
My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XX/XX/XXXX- XX/XX/XXXX On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation , or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
XXXX XXXX, XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose.

i am trying to send them a debt validation letter, along with a copy of my current UCC1 financing statement, which should compel them by law to erase any delinquencies. I am ultimately seeking to open a  secured credit card with my new credit union and that can not happen if experian continues to evade receiving my documents. 
Thank you.
violation of my rights cra inaccurate infomation sent the hpd report to them XXXX
The interest on the loan should have been lower because of the autodraft from checking account which should have resulted in a lower balance.
I am a victim of identity theft. I tried to negotiate this matter with Capital One and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties in XXXX of 2017 however still harassed by Capital One legal team to make payments months later although payments was made in full in XXXX 2017. Capital One is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that Capital One absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. this is not a duplicate there are 2 accounts visa and master card same situation.
I have previously raised XXXX complaints and despite thing the last XXXX had been resolved the Company still have not sorted out the problem. The previous cases are below. I received a letter from Bay View dated XXXX XXXX XXXX advising that I would have a resolution by XXXX XXXX XXXX but it is still going on. I am able to send emails of all of the messages I have sent the company but they just will not respond to me. 
XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX
On XX/XX/2018, I pulled my credit report and noticed that their was two collection accounts from Midwest Recovery Systems for XXXX XXXX XXXX and XXXX 1. I was never notified by this company regarding these accounts. On XX/XX/2018, I sent a Cease and Desist letter by certified mail to Midwest Recovery Systems. To date, Midwest Recovery Systems is still reporting collection activity. This is a violation of the FCRA and FDCPA. Please see attached evidence.
In XXXX 2016 I sustained hail damage to my home. A claims adjuster inspected the damage and advised me a check would be issued to both myself and my mortgage servicer, Lender Live. Lender Live sent me a Loss Claim package that directed I send the endorsed check to Lender Live. Lender Live cashed the check on XXXX XXXX, 2016. Although I have Lender Live 's customer service more ten times, Lender Live has refused to send me any funds to repair my home. Lender Live acknowledges having received the package which also contains the check, and acknowledges having cashed the check, My insurance company, XXXX, also has a record of the negotiated check. I have written letters to Lender Live, e mails, and calls, all to no actions on Lender Live 's part.
My information was involved in a data breach via Equifax, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.
After reviewing my credit file I have noticed that there are 5 inaccurate fraud accounts listed onto my credit file. I have initiated one dispute yet you still have failed to remove from the credit file you maintain under my name and social. I have enclosed my FTC Identity Theft Report, proof of my identity. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I have also contacted all 5 companies yet they have failed to validate any of these alleged accounts so how in the heck are they verifying them with you. Please remove these accounts immediately.
My identity from my bank account had been jeopardized causing issues of payments. I do believe somehow information was used for some else purchasing unauthorized transactions
I bought a XXXX XXXX XXXX  car from XXXX car dealer in XXXX, name is XXXX XXXX XXXX. 
My loan term is 7 and 1/2 year that is 90 months, I paid {$1000.00} down. 
My installment is {$360.00}, which I find it very high interest rate. 
I feel I have been paying very high interest rate, because I am XXXX. ( like XXXX XXXX XXXX XXXX ). they have  discriminated against me. 
Can you please help? 
date of purchase XX/XX/2017
American Honda Finance via a Honda Dealer forced me into an auto loan contract at an exorbitant interest rate in XX/XX/2011. American Honda Finance along with the Honda Dealer discriminated against me based on my race, religion, color and national origin. The dealer promised me an interest rate of 5.99 % APR on my loan and took my down payment checks. But when I looked at the contract, the interest rate was 16.99 % APR. I refused to sign the contract and I wanted to back off but the finance manager told me that I can not back off as I have already gave the checks for down payment and if I back off now, I will lose the down payment amount and on top of that they will sue me for additional damages for backing off from the deal. I signed this contract under severe duress from this unscrupulous finance manager who threatened, intimidated and coerced me into signing this contract. He also told me, if I do n't sign this contract, he will call the police and have me arrested for theft. The Finance manager also added add-on products without my consent, even after, I declined the add-on products. I have no idea what did I do to deserve this treatment. I can not find appropriate words to describe the pain, humiliation, grief and suffering, American Honda Finance and the Honda Dealer inflicted on me.
I made both of my biweekly payments for XXXX together iao XXXX. My payments are usually XXXX every two weeks. I made it early this month so I didnt have to make it XX/XX/18. I got a bill in today saying they got my payment and I got another one due XX/XX/18 when I made both on XX/XX/18. This company has been a nightmare to deal with since they took over my loan. Rude reps when I call in and now this inconsistent billing stating I owe again when I do not for XXXX. I want this to be consistent and for the over billing to stop. I made my payment and feel harassed. I want this XXXX corrected.
I enrolled in graduate school this past fall, and reached out to all my loan providers to confirm deferment of my monthly payments. After a few phone calls, everything was set. I went through all of the fall semester without issue. I randomly logged into my Navient account this past XXXX to check on my account, and I noticed a payment scheduled for XXXX. Totally clueless, I called them immediately to see what was going on. I was advised more than once ( on separate phone calls ) that the issues was related to the clearinghouse that confirms full-time enrollment. Navient advised that all I needed was to provide them with an enrollment verification, and everything would be fixed. Unfortunately, I was out of the country for part of my winter break, and in conjunction with the holidays, I could not get this to them prior to returning to school on XXXX XXXX. I called Navient again, and was told for the first time that I owed them interest-only payments during in-school deferment. This was the first I had heard of this. I asked for a manager. The manager ( XXXX ) was extremely rude and unhelpful. She told me I was not charged in XXXX by mistake, and was charged in XXXX. I was not charged in XXXX. I received no payment reminder emails during the month. The manager offered zero help in the way of mutually working some plan out. She advised me I could sign up to make 15 straight monthly payments, but having not planned to be making these payments during graduate school, I told her that I did n't know how I could start coming up with that money out of nowhere. Finally, her suggested solution, if you can call it that, was that I just refinance with someone else. I feel like I was misled and disrespected.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY
I disputed this and it has come back verified. I sent them everything letters, FTC affidavit they wont remove it. they wont re investigate properly.