WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a XXXX XXXX and financed through American Credit Acceptance. XXXX or XX/XX/2015 I had to have the transmission repaired for the second time the 1st time the warranty covered the second time they would n't so I had to find a mechanic to do the job.in doing so and after all the charges it totalled over XXXX almost XXXX I could not afford that kind of money up front and they was n't willing to work with me so they kept my car and filed a lien on it. So now American credit acceptance is saying they repossessed the car when they Did n't and they also have messed my credit up serverly and refuse towork with me or talk to me in a professional manor to remedy this. I would really like them to please remove the charge off/repo from my credit when they have not phyisaclly repoed the car but actually lied to the credit bureaus and stated they have. Please help.
XXXX is reporting late payments on my credit report during a time that I was currently enrolled in school. It is impossible for payments to be late on a loan that was not currently due. I have disputed this issue with them several times and they will not remove the late payments from my credit report.
I am being harassed, threatened, and abused by student loan collection agency. 
I have a right to cancel the loan, victim of identity theft, they failed to accurately inform me of my borrower rights, acting in an aggressive collection tactics, refused an affordable repayment plan, violating Fair Debt Practices Act, and refused to provide evidence of the original debt from XX/XX/XXXX and XX/XX/XXXX.
went to a XXXX presentation found out was a scam tried to cancel with in the 30 day period XXXX office disconnected there phone and doors were closed we tried multiple times to get Monterey financial to cancel but keep telling me to get a letter from a company that left for good we did write letters and it was returned we told Monterey all this and there are still threating us to pay for this scam that they refuse to cancel
XXXX XXXX, 2015To : Consumer Financial Protection Bureau XXXX XXXX XXXXSome one open a Credit Card with FORTIVA, dispute resolution, XXXX XXXX XXXX XXXX, XXXX XXXX with card # XXXX XXXX XXXX XXXX. I NEVER hold a Credit Card and I NEVER purchase goods or services. 
Some person use my personal information, this is fraudulent purpose. 
This report to your Bureau, Thank you for your attention the matter. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
I submitting my complaint against Wells Fargo because I feel as if they are not ever going to assist me in saving my property against foreclosure. I am currently XXXX months behind and was recently declined for a loan modification. Once I received the decline with Wells Fargo, I reached out to a HUD XXXX who advised me to visit a website by the name of https : //www.checkmynpv.com/bnpv-ui/pages/start.xhtml, which I was told is an NPV calculator and imputed the exact numbers used to calculated my NPV. To my surprise, the XXXX calculator came back with a recommended loan modification based on all my information and not a decline like Wells Fargo gave me. I want you to please help me contact Wells Fargo because I do not want to lose my property to foreclosure but just do n't feel like they are going to listen to me. I feel very uncomfortable dealing with them. A few weeks ago my husband called and was treated as if he was committing fraud simply because there was an answer that he was n't able to answer the way the rep at Wells Fargo wanted him to answer. After a XXXX minute conversation, the rep came back to my husband after talking to someone in charge and told him that his explanation was ok. My point here is that Wells Fargo makes everything so difficult and I believe that they are acting in their best interest. I trust that I have a good case because I do not think a government website like the XXXX would make a mistake and provide a recommended approval with all the information that matched Wells Fargo 's decline. I have attached a copy of the recommended approval along with the inputs that Wells Fargo provided to show that everything matches up. In addition, in the past I have tried applying for assistance while I was current on my mortgage and my property was underwater and was also declined. Now that my property has equity, I feel that Wells Fargo is trying to have me foreclose because they can get their money back. They are the investors on my loan from the paperwork that they provided to me. Thank you
I am a XXXX on a fixed income. I have just enough income each month to pay my bills and to feed and provide shelter for me. If I have extra expenses in one month, it puts me behind financially and this is what happened in this situation..I have a loan with Honda Financial. 
I have paid {$380.00} a month, without interruption, to Honda since XXXX, until a month or so ago, when it changed to {$400.00}, using the extra {$17.00} to pay off late fees that had accrued and for which your agency helped me to finally stop accruing. All because Honda would not change my payment date. 
In early XXXX XXXX, I had some extraordinarily large bills to pay. Car registration, and other car repairs that had to be done i.e. replace an old battery, as well as one-time medical bills.I tried to borrow money but I was not able to do do that. In any event if I borrow money it makes things worse, because I go further into a financial hole and can not pay it back.So now I owe {$400.00} for XXXX XXXX which I just do not have the money to pay. I just made a {$400.00} payment to Honda, which is all I could send, and it was applied to XXXX XXXX. Now, I am getting calls twice a day about the XXXX payment. I also received a very disturbing, threatening letter from a XXXX XXXX, ( XXXX ) XXXX of Honda telling me that Honda Financial will use every resource under the law to get that payment, including re-possessing my car. I have tried to remonstrate with Honda Financial, to have them understand that I am a responsible consumer who wants to pay her bills on time every month as I have done 5 years. I 've had a run of high expenses that have to be paid, I have not used the money for unnecessary frivolities.And yes, I yearn to be able to save money each month to cover emergencies such as I have just had, but I just do n't have the income to be able to do that. Can you please contact Honda and see if there can be a solution to this impasse between Honda Financial and me? I believe they think I 'm not terribly intelligent, and perhaps might be doing this on purpose. I 've had a run of bad luck, but now I would like to continue paying my monthly payment every month for the approximately 15 months I have left to pay off the loan. 
Sincerely, XXXX XXXX.
Hi, someone has access to my equifax credit report and keep making disputes resulting in lowering my credit score for example all these accounts had received disputes which i never did ( ( XXXX   XXXX/XXXX XXXX  ) ) ( ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ) ) ( ( XXXX/XXXX XXXX ) ) ( ( XXXX/XXXX XXXX ) ) ( ( XXXX/XXXX  ) ) i tried to contact one of them ( XXXX XXXX ) to see who made the dispute, they said they received the dispute from Equifax on XX/XX/XXXX Which i never did ( check the attachment for their answer ) Please Equifax Protect my Credit report
XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Collection Agency ( TRIDENT ASSET MANAGEMENT ) Account # XXXX Original Creditor : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, GA XXXX Amount alleged owed {$2100.00} ( XXXX ) XXXX Dear Sir/Madame : Ive disputed the account referenced above with both Collection Agency ( TRIDENT ASSET MANAGEMENT ) And ( XXXX ) Credit Bureau about four-six times. I  have contacted the collection agency myself via certified letter and phone calls on dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and have been unable to get them to verify that this is indeed my debt. Ive enclosed copies of my requests to the collection agency asking them to validate my debts, and the receipts showing that I sent these letter certified and have yet to receive validation that this debt belongs to me. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. But ( XXXX  ) Credit Bureau continuously reply and update my report with already been " verified '' without providing me any evidence when requested on. 
Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX This a clear case of unverified debt and these agencies are not following the FCRA and breaking the law. This black eye on my report is making it extremely hard for a middle class tax payer build a reputable credit profile. I beg someone to help me get answers from this Agency or remove this inaccuracy from my report. 
Thank you and XXXX XXXX.
I have had numerous problems with TransUnion and their failure to fix items on my credit report when I have requested. Today I got an alert from my credit monitoring showing that an account appeared on my credit report, not unusual because I had opened an account. The unusual part was that this account had reported on all  XXXX  credit bureaus, but TransUnion failed to report it correctly, thus my credit score with TransUnion plummeted over a  XXXX  points. TransUnion is the only company that is reporting this account incorrectly. They are reporting it as credit card debt and not as an installment debt, thus negatively impacting my score. Additionally, transunion has been the only company that has failed to respond to my fraud dispute, they have failed to remove inquiries that should not be on my credit report, and remain the most difficult credit bureau to deal with. Their inaccurate reporting has now prevented me from applying for a purchase of my home until they fix this problem. All I want them to do is to report my business loan accurately, so I am not negatively affected for no apparent reason.
A salesman came to my house to sell me Solar Panels. I told him I was interested. He insisted that I take a loan from this company. ( GreenSky ). After he left I calculated the money I would be paying. I cancelled the loan before any money exchanged hands. I then called XXXX and cancelled my order. The sales man said that I would be liability for the loan. GreenSky sent me a bill for {$12000.00}.
On XX/XX/XXXX, 2017, I received a phone call from a XXXX XXXX, claiming to be from Jonathan C Frank and Associates. He claimed that he had two charges in his office that they were going to file reference to a bad check and check deception. He did not say where they were going to file this. He goes on further that I owed XXXX on a loan I received from a company called XXXX. I asked for his address, which he gave as XXXX XXXX XXXX, XXXX Texas. I then asked him to send me validation of the debt before I will speak with him about any debt that I owe and to stop calling me. He then started to yell, stating that he wo n't argue with me, he doesnt have to send me anything, and he will file criminal charges against me and someone will be at my house to arrest me. I was called from XXXX. I XXXX that number and learned that this is an attempted scam to defraud people and steal their identity. 

I looked up Jonathan C Frank on the Texas Bar Association website and saw that he is a licensed attorney. I attempted to contact his phone number listed of XXXX. I did not get an answer. He is not listed as a debt collector either on his bar information or via the Secretary of State in Texas. 

He does have a website of http : //www.jonathancfrank.com/, however, a whois search revealed that this is registered to an unknown person in Utah. XXXX searches also revealed that this may be a fake site using XXXX XXXX 's information.
i posted an ad on XXXX selling a XXXX. the person responded from XXXX and i was told that i would be making a payment through XXXX using money gram to pay for shipping of an item. when i called XXXX with the information they informed me that the email was not real and that i should contact XXXX and file a fraud complaint. when i contacted XXXX they informed me that the money was already acquired so i am filing this compliant to receive a full refund seeing that the person has scammed in more ways than XXXX, lying about shipping and creating fraudulent XXXX emails and accounts to gain access to me. i feel very used and want to do anything and everything to get back my money. i have filed a case with local law enforcement and will be contacting my attorney as well.
XX/XX/XXXX Had a wreck and total loss my vehicle. Was not educated on how payments work while under insurance processing. I have never been late on a payment for 2 years and received a late payment because of the total loss process and the company isn't willing to get it removed from my credit score after there has been on time payments. 
XX/XX/XXXX Spoke with a representative that stated that i was not late on my payments and stated she would send in a dispute. She stated that it would take 30 days to update. 
Capitol One received my insurance payments and the amount is paid down from XXXX to XXXX. Late payment still hasn't removed from my credit report.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They 're attempting to capitalize on the situation by signing injured parties up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I saw an ad on XXXX on XX/XX/2018 for 3 tickets to the XXXX XXXX vs XXXX XXXX game that evening in XXXX, Arizona. I contacted the owner through text ( screen shots attached ) at XXXX and through texting, the seller sent me a screen shot of the tickets via XXXX  ( also attached ). The price of {$250.00} was agreed upon for these 3 tickets, and the seller indicated that they could only receive money via the XXXX app. I downloaded the app and proceeded to transfer {$250.00} out of my USAA checking account through their platform of the XXXX app, using the name and email address that the seller provided. XXXX XXXX with email address of XXXX. I transferred this money with the agreement that the tickets would be sent to my XXXX account and thought that since I was transferring this money from a federally insured bank, that I had fraud coverage. After transferring this money I never received the tickets and never got a response back from the seller. I filed a dispute with USAA and was later sent a letter ( attached ) that indicated they were not liable. I also contacted XXXX on XX/XX/XXXX after realizing I had been scammed and they also indicated that they could not do anything except tell me that the money had been transferred from my account to a XXXX XXXX account. I contacted USAA after finding out this bank transfer information and asked them to hold the transfer or at least contact XXXX XXXX and have them hold the money which they said they could not do.
On XX/XX/2017 I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. XXXX  failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX   places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.
CFPB, if you do not further review this matter, you will have failed this consumer.     I will have no further recourse but to attempt to escalate this issue to a media level.     By admission via correspondence,  Wells Fargo  has acknowledged that they began to withdrawn the increased payments on  XXXX   XXXX ,   XXXX   when their letter advised that the payment would not be increased until  XXXX   XXXX ,   XXXX  . Why would their letter to consumers state incorrect and misleading information?      Wells Fargo  advised the CFPB and myself that they do not apply funds to principal when a payment is outstanding and are unable to apply partial payments.  Wells Fargo fur ther stated in their correspondence that they began withdrawing FUTURE payments on the recurring withdrawals to avoid delinquency in the future.     By admis sion, Well Fargo has stated that they do not apply principal funds when a payment is outstanding, however they admitted that my payments are future payments. How can Wells Fargo state my payments can not be applied because they partial payment but admit that my payments are future or ahead of schedule? If Wells Fargo  is withdrawing additional principal payments on  XXXX   XXXX ,   XXXX   because I 'm paying  XXXX  's payment, then it is not a partial payment.      Wells Fargo  has been unapologetic with regard to their actions and continues to defend their inaccurate letters to consumers.
I borrowed {$400.00} and they want want me to pay back like {$2700.00} that's crazy
My credit card refuses vehemently to refund my {$490.00} plus {$190.00} shipping for an electric bicycle I believed I was ordering thru XXXX. Apparently XXXX ( a " crowd sourcer '' " crowd funder '' ) is known for scams and fraud- but I did n't know this. I have kept all my " purchase '' receipts which use the words " Buy '' and shipping and itemize the charges. It is an ad to purchase an electric bike/ says nothing about funding a " start-up ''. Apparently there is no Ebike and no " campaign owner '' - the only " person '' I could find is called " XXXX XXXX '' ~ who has a # of XXXX XXXX aliases if he exists at all, and has created fictitious partners. I have only seen small pics of the notorious XXXX XXXX entity on some complaint chat boards where he wears motorcycle googles and a hat and could be anyone. my feeling is that XXXX is scamming with these fictitious people- they brag they " collected '' XXXX on the last Ebike `` campaign '' but I have not heard of anyone who has received a bike. What do they do with the $? As others have stated it appears to be a very clever Ponzi scheme. These crowd funding sites were apparently allowed under the XX/XX/XXXX or XX/XX/XXXX Fed Jobs Bill and not regulated in the least. They have also recently been given permission by the SEC to trade securities -/ with NO oversight! 
And they are apparently operating tax free! So the IRS, SEC, FINRA, AGs of CA and maybe other states should be shutting them down- apparently they slide btw categories as a " crowd funder '' " crowd sourcer '' but they are also clearly marketers and sales. It 's unbelievable to me that this co remains at all! As a consumer affairs writer I am amazed and awed at their level of fraud- which seems to be protected from very high places. My MasterCard ( citi ) categorically refused to to return my $ after XXXX stated they did n't have to give it back and I should expect to lose it. 
Remember, The only ad i saw was a product ad by XXXX selling the bike.I believe this co is fraudulent from top to bottom. Why are n't they shut down? This is clearly fraud. My credit card co said it was n't fraud since I gave my credit card// btw, XXXX only has a phone with a tape and no way to reach anyone. They only give " XXXX XXXX '' as " campaign '' contact name. And if u get to the bottom of the " Wave '' Ebike ( product ) and XXXX- the appear to be one and the same.
XXXX   XXXX   Account #  XXXX  I borrowed {$3500.00} in  XXXX  I started paying in   XXXX   I have paid a total of {$5600.00} according to their records as of XX/XX/XXXX  I still owe Total Current Balance : {$2400.00}. Something is not adding up.
I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act.
I use XXXX to assist me with the mess that is my credit report. There are things listed on my credit report that I do not have any knowledge of. I have asked that these items be removed. Transunion was asked to investigate and remove all credit report lines, specifically this credit report line : Agency : XXXX XXXX Report Date Removed : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$2700.00} Bureau : Transunion What happened next is baffling. The same day that it was removed, IT WAS ADDED BACK, as a completely different collection. It now looks like : Agency : XXXX XXXX Report Date Removed : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount Owed : {$2700.00} Bureau : Transunion The Consumer Protection Bureau should be concerned that this kind of behavior is being exhibited not only by the credit bureau but by this Collection Agency. The opened date now shows XX/XX/XXXX. The original open date was nearly 6 years ago. This item should not even be on here, as I do not have any knowledge of this debt. They have no proof of validation and when requested they could not provide ME with that information. Simply sending me a bill does NOT validate a debt. They can not provide physical evidence that the debt is warranted. 
Transunion made a very big mistake in reporting this debt as they did as a different creditor name and under a different collection agency, the exact same day it was removed as not being valid. Shameful. Can you imagine being XXXX XXXX and having XXXX XXXX transfer this debt to them and they knew that it could n't be validated because I started disputes pertaining to the debt in XX/XX/XXXX? That 's criminal.
Applied fo r American Express Cards but th ey after week still sitting on my credit application to witch I have an great score of  XXXX  they should review not giving me specialist team still reviewing witch is  XXXX
I ordered a printer online with shipping included in the price I paid to the vendor. It was delivered by XXXX as scheduled by the vendor. Several months later I received a bill for {$50.00} for shipping ( exhibit A ). Then I received a collection notice from a debt collector ( exhibit B ). I sent them a letter stating that it was not a valid debt ( exhibit C ). I received another collection notice after that ( exhibit D ). Then I received another past due notice from XXXX ( exhibit E ) and a copy of the Bill of Lading ( exhibit F ) and a copy of the Delivery Receipt ( exhibit G ). 

On the bill of lading it clearly says Freight Charge Terms " prepaid ''. Under third party freight charges bill to it is blank. 
On the delivery receipt it says " prepaid - will invoice third party ''. 
In tiny print above that it says by accepting the delivery you agree to be responsible for any additional charges. 

I was never informed that there might be additional charges. I would not have accepted the delivery if there was. 
The reason for any additional charges has never been itemized or explained. 
It clearly says prepaid - bill to third party. I 'm not the third party.
SYNCHRONY BANK/WALMART Card, rece ived an Internet application using my name, address and phone number on  X/XX/2017   . According to my phone log, they also called my house on   X/XX/2017     around  XXXX   XXXX . I did not answer the phone as I could not recognize the name SYNCHRONY. Despite that, they went ahead and created a credit card account on  X/XX/2017   . I do n't know if the thief provided my SSN. I ca n't see how he/she would get that. The information they provided looks a lot like what I have in my check book. Is this bank serious??? The Government should be investigating how SYNCHRONY conducts its business.