WillisBack/dataset-financial-user-claim huggingface dataset:
I leased a vehicle with Hyundai Motor Finance in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my XXXX ( only ) credit report from XXXX XXXX XXXX XXXX and XXXX ( XXXX ) dropping my score 82 points. I called Hyundai who told me I had always prepaid and never had any missed payments, so I filed a dispute with XXXX on XXXX XXXX. By XXXX XXXX I received a letter from XXXX that Hyundai provided them all documentation and Hyundai removed the erroneous information. I never received an explanation of how someone goes backwards XXXX XXXX years and adds inaccurate information though I do believe it was the gentlemen I upset at Hyundai who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again Hyundai reported all the same erroneous information that was just resolved. I contacted XXXX and they verified that Hyundai once again did the same thing on a closed account that Hyundai just removed from the account. The XXXX women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call Hyundai on my behalf. I truly believe Hyundai has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called Hyundai, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score 77 points and I feel this is going to continue happening over and over again. Please help me.
I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my last  XXXX  ss # on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks
I am a XXXX and have had a mortgage with Wells Fargo since XX/XX/XXXX. I spent most of XX/XX/XXXX and XX/XX/XXXX XXXX. I have also XXXX since XX/XX/XXXX but to keep it easy lets just focus on XX/XX/XXXX and XX/XX/XXXX. A few months ago I found out about the Servicemember Civil Relief Act ( SCRA ). When I spoke to Wells Fargo they said that since I was in the XXXX before I received a mortgage so SCRA does not apply to me.
i was approved for a loan by wells Fargo for the amount of XXXX to purchase a home from my uncle they needed a signed gift of equity letter but my uncle refused to sign it then the bank said they would have to issue a loan differently XXXX set up a loan with XXXX percent down and a escrow account 2 weeks before closing he said the underwriter needed XXXX percent down of which i did not have then he recommended rerunning my credit score without telling me if it was lower he would not provide the loan nothing change on my credit score as far as i knew except some bills were removed from collections as i have paid them off then he said my score was a XXXX but when i checked it was a XXXX so he declined to give me the loan he sent me to a credit union for twice the interest but too late for the closing now my uncle terminated the offer to purchase i wish to sue wells Fargo for the loan amount to find another home as i believe they discriminated against me
I submitted my monthly mortgage payment to Primary Residential mortgage company via their PO Box address they provided. Payment was sent within the allowed time in XX/XX/XXXX to satisfy the XXXX 2015 mortgage payment. I contacted them on XXXX XXXX 2015 and asked if all was ok with my payment as they had not yet deposited it. They indicated they did not receive my payment and to send it again. I resent the payment with USPS XXXX and got XXXX confirmation. I called them and they acknowledged receipt of the check and indicated all was fine and not to worry. After a few more days, I realized the check still had not been deposited. They told me since the beginning it is not when they receive the check but when they actually deposit it that it then counts towards payment. This seemed ridiculous and a bit scary to me as what if they decide to deposit it after several days, even though they received it within the time frame ( before XX/XX/XXXX )? So, upon calling them again they said they could n't locate my check at the moment but would call me back as soon as they did. They offer no other payment options online, just by phone, but that comes with a hefty convenience fee. They finally located my check and I asked for a signed letter that I would not be reported to the credit bureaus as late and also not assessed a late payment penalty. They sent me a signed official company letter and an email about this assuring me this wouldnt happen. On XXXX XXXX they finally deposited the check after holding it all this time and receiving it XXXX XXXX. I was assessed a {$100.00} late fee as they indicated my payment was late and also reported me as being late to the credit agencies. I now can not obtain credit or make purchases with this. Ive contacted them by email several times and called and they keep promising me they will get back to me but never do.
SUNTRUST BANK MADE A HARAD INQUIRE ON MY CREDIT REPORT THAT I DIDNT CONSENT TO
XXXX from GE Capital with synchrony bank ( chevron/texaco ) cards called this morning. XXXXThis is 3rd time I have stated we went with freedom debt relief and the account was with them now. He always wants me to pay past due amounts. I asked him again for the third time not to call me.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my report.
I have reached out to the company on XXXX/XXXX/XXXX asking to validate this debt and to send the actual contract that I have signed with them that I owe Southwest Credit money. 

They have failed to send me a signed contract with Southwest Credit. I do not have a contract with Southwest Credit. I never heard of southwest credit.
I just went to see my credit report and saw this unknown debt collectors called XXXX XXXX XXXX of which I know nothing about. So I went online and checked who they are. And they collect debts for XXXX companies. But i have never collected any phone or get a contract from these people, so I think it is an identity theft. Please, help me resolve this issue and take it off from my credit account. Thanks
Select Porfolio Servicing response to case number XXXX. 
Please note that Select Portfolio deliberately refused to contact us on our cell phone number which were the numbers given to them as our best contact phone numbers. SPS chosed to call the home number as indicated at XXXX XXXX on XXXX/XXXX/XXXX. Neither me nor my wife was at home. Again this is the cell numbers wife XXXX ( XXXX ) XXXX ( XXXX ) Moreover my caller ID indicates that attempts was one time only on the house phone number. Secondly, Select Portfolio Servicing deliberately refused to address the issue of why the modification has a balloon payment of {$550000.00} plus accrued interest on top of this balloon payment. SPS refused to explain why we have to pay interest ( accrued ) interest for 19 years on this balloon amount of {$550000.00}. This is nothing but corporate greed from this Investor which is XXXX with XXXX XXXX as trustee. Please note as you are aware that XXXX had violated banking laws and had to pay fines brought forth by the justice department last year. We are being punished because of their actions and they are repeating the same problems for what they were fined for. We have contacted our Senators in California to help us with this type of predatory modification. WHY such a huged balloon payment? Why again pay interest on the balloon payment? Why only 19 years left. Why count your 30 years from the original note year of XXXX. Why refuse to have XXXX XXXX XXXX complete the loan modification by transferring to another servicer just because it is within the rights of this Investor. XXXX XXXX XXXX stated this Investor forced the transfer. All this is an attempt to purnish and hurt us because of the many complaints we filed with CFPB. We would not have been approved for a modification by this Investor if we did not exercise our rights under the California Homeowners Bill of rights. Our loan was a XXXX loan with which we were victimized including when XXXX XXXX XXXX took it over. We need your help as the agency that deals with these complaints. Again SPS is inaccurately stating that they could not get in touch with us. XXXX XXXX XXXX did exactly the same until when I told them that I dont have a home phone number. Are these SERVICERS trained to call people at home when these days almost everybody uses a cell number as their primary method of contact. Again do not call any other number except on the cell phone numbers as indicated above. Are Investors only required to modify loans for 19 years only? Is it wrong to request that the terms be made longer. It is public record that this investor has granted modifications for up to 30 years and longer. We are being singled out and being refused the same benefits as others even those with less income as us.Thank you for investigating further. I know we dont qualify for a principal reduction, but the principal has always increased from late fees charges modification fees over the years Origal amount was {$750000.00} and it is now {$810000.00}. Over {$67000.00} of late fees, charges and modification fees charged.
On or about XXXX XXXX 2011 we sent certified letters to Ally Financial to dispute the end of lease charges via certified mail, which have never been answered to date. Since Ally never answered we decided to make the payment as the company said it would be charged off and sent to collections plus also place a negative file on my credit. 
The amount was paid in full and they still place a negative mark on my credit report. The 39 monthly payments have all been made timely, all extra charges at lease end were disputed as it is my right. 
for your help with this matter.
I was XXXX and mailed the credit card payment, the XXXX 2016 payment was received by Barclays in time but was n't processed in time making my account 30 days late. I have wrote the company numerous time with no result.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/XXXX Complaint Department TransUnion Consumer Relations XXXX XXXX XXXX, PA XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that XXXX have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have XXXX single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX
I attempted to add my friend as an authorized user to my Barclays XXXX XXXX on XXXX/XXXX/2016. My account was placed in a limited mode with absolutely no warning or notice given to me on XXXX/XXXX/16. I am unable to make any purchases. I called Barclaycard XXXX on XXXX/XXXX/16 and spoke to the front line CSR. She informed me that they had requested certain information from me and it was not received. She stated that the request for information was sent yesterday ( XXXX/XXXX/16 ). I received no such request, and no requests at all. I decided i did not want to deal with card shutdowns on my own account, so I asked to withdraw the request to add an authorized user to my account. The front line CSR stated that this was impossible now that the notation was on my account requesting information. I then stated that I wanted to cancel my account. I was told i could not cancel my account. I asked to speak to a supervisor. XXXX, the supervisor, restated the same inforamation that the front line CSR had stated. It 's impossible for me to fathom that I can not close my own credit card account. I have paid off the entire balance on my card, maintained a very positive relationship, and have never had a late payment.
I checked my credit report and discovered a collection account on my Experian report for {$480.00} from the company XXXX XXXX and on my XXXX report for the same dollar amount from the company XXXX XXXX and XXXX. Both of these companies listed the same address. I knew nothing about this collection so I requested validation of the debt via certified mail to XXXX on XXXX/XXXX/15 and XXXX XXXX XXXX XXXX on XXXX/XXXX/15. I have yet to hear a response although the collections are still showing up on my credit reports. I have disputed the information twice with Experian with results stating that the collection remains. I have also disputed the information with XXXX but have not gotten a final response. Even though Experian 's final response is that the collection remains, I still have no idea what this is for or when it occured. The account on my credit report shows this was opened on XXXX and that it 's a medical debt, but I, nor did any member of my family, have any medical appointments or otherwise in XXXX 2015. At the very least, this information is incorrect. I would like to have this information validated and for the information removed from my credit reports until it can be as I have no idea that this is even my debt to pay.
This is a simple case of a BIG SHARK taking hold off a little puppy and shaking it. I have repayed my loan back. This is so scary please review documents. I was in the last year of my schooling, had no parents to help and I had no choice but to just sign on the doted line. I am like 100,000 $  in debt with my student loans and this is just one of the examples of how I will never be able to pay this off. I at the time did not know what I was signing and I was never sat down and told how I would never be done paying. Please can you look at his breakdown and documents and please help me. My aunts have taken this loan on personally as I have tons of others to pay. My aunt now has XXXX and I want to be able to tell her she has paid enough. Please help me be able to STOP being taken advantage of. How are things like this even allowed? I was a kid, do I have to pay for this all my life.
I disputed XXXX items on my credit report via letter dated and certified mailed on XXXX XXXX, 2016. The investigation took longer than the 30 days allotted by FCRA. However, the items disputed were not removed from my credit report. On XXXX XXXX, 2016, I certified mailed a 30 day no response letter informing TransUnion on their investigation delinquency and respectfully requested that the items in dispute be removed from my credit report. Both letters were ignored and only XXXX of the XXXX items disputed have not been removed from my credit report. 
According to FCRA, I respectfully request that all XXXX items I disputed in my letter dated and mailed on XXXX XXXX, 2016 ( see attached ) be removed from my credit report. My original letter was received by TransUnion on XXXX XXXX, 2016 ( see attached ). Thus, I was to receive a response from TransUnion via mail on XXXX XXXX, 2016. However, the TransUnion response letter was postmarked XXXX XXXX, 2016 ( see attached ), and I received TransUnion 's response via mail on XXXX XXXX, 2016. Thus, TransUnion 's investigation was in excess of the 30 days allotted by the FCRA. 
My 30-day no response letter was dated and mailed XXXX XXXX, 2016 ( see attached ) and received by TransUnion on XXXX XXXX, 2016 ( see attached ). 
The Fair Credit Reporting Act, FCRA Section XXXX ( b ), and FCRA Section XXXX ( a ) ( XXXX ) requires you to : 1 ) investigate any items that I feel are inaccurate, obsolete or outdated 2 ) Investigate and respond within 30 days and 3 ) promptly delete that item of information from the file of the consumer. 

According to FCRA, I respectfully request that all XXXX items I disputed in my letter dated and mailed on XXXX XXXX, 2016 ( see attached ) be removed from my credit report.
XX/XX/2016, I changed cable providers based on the understanding that I would receive a special box for high definition TV as well as internet service for my SMART TV. The salesman misrepresented the service, they do not have high definition boxes and will not have them for 6-12 months. I asked to cancel the XXXX service due to misrepresentation within 3 weeks of signing the contract, but they refused. The only reason it took me this long to cancel was that they continued to lie to me, telling me the internet at my house was n't of good quality. I cancelled the service and told them that I would not pay for two years of a service that could not even be provided to me. 

I then called Chase bank to discontinue auto draws for the service. The Chase representative told me that he could n't stop the payments, which I did n't understand. He then told me that if I cancelled my card and got a new number that the auto withdraws would not be able to go through. I did as he suggested and cancelled the XXXX card, and got a XXXX one. 

In XXXX Chase bank allowed a credit withdrawl on my new card from XXXX XXXX for the full amount of the 2 year contract for {$430.00}. I never gave the new card number to XXXX XXXX. I do not know how they got access to the new number that Chase told me was safe. 

When I called Chase to complain they told me that the first representative that I spoke to gave me misinformation and that legally they could n't stop the withdraw on the new card. 
First I was lied to by XXXX XXXX who sold me a service they could n't provide, then Chase bank lied to me about obtaining a XXXX card to ensure my money would be safe. I did not sign a contract with XXXX XXXX to allow them access to my new credit card, Chase had no right to allow this access. It is especially upsetting that the only reason I got a second card was that Chase told me it was a way they could keep my money safe. 

I would like for this complaint to be against both Chase Bank who allowed a company access to my account without the appropriate permission from me as well as against XXXX XXXX who sold me a service that does n't exist.
My husband and I have auto insurance coverage with XXXX for over a year. Today I received a notification from XXXX stating my husband can no longer be under the insurance because of a recent information received by LexisNexis Consumer Center. The information received was XXXX happened XX/XX/XXXX and removed by judge in court on XXXX.
There is a collection account reporting on my credit reports from a company identifying itself as XXXX XXXX XXXX for an alleged debt of {$720.00}. I have strongly disputed this alleged debt with both XXXX XXXX and the consumer reporting agencies. XXXX has sent me documentation that failed to adequately prove that I have any ownership of or liability for this alleged debt and that dispute is still being handled through other channels. Recently, however, I spoke to the consumer reporting agency Experian who has claimed to have verified this alleged debt. I spoke to a female representative in their " Special Handling '' department and demanded that I be sent the exact details of their supposed investigation as is my right under FCRA Section 611 ( 6 ) and ( 7 ). This agent told me flat-out that Experian had XXXX obligation to provide me with such information even after I quoted her the exact section of the FCRA that proves I have every right to this information AND provided her with court cases that backed up this right. Experian has refused to re-investigate this alleged debt and has also refused to provide me with the information used to verify it. This behavior violates my consumer rights and must be addressed promptly. Since I know that XXXX has so-far failed to properly verify or validate this alleged debt, it is absolutely impossible to believe that Experian has somehow managed to do just that. I demand that this illegally-reporting tradeline be permanently deleted from my consumer report or I will file suit against Experian for their willful violations of my federally-protected consumer rights.