WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Avant Credit after reading about them on a divorcing mom 's blog on XXXX XXXX 2015. I am mom who fled a domestic situation in Florida with my XXXX year old daughter, who was XXXX. I moved to a new apartment and needed help getting essentials so that my daughter and I would not be sleeping on the floor. I got the application online and filled it out. Someone called me withh in 15 minutes and said that I qualified for the loan and just needed to provide financial information to show that I could pay back the money. I provided pay stubs, and bank statements. I went back into the program to sign my contract when they said I could, but it would n't work. I spoke to the same rep and she said that I spelled my last name with an L instead of an I. I thought that was strange. She told me to sign it with the L and everything would go through. From there I was contacted and harrassed for maybe XXXX times for financial information, resigning contracts for the same loan, and given empty promises that the money would be deposited into my account. The XXXX time the money was supposed to be deposited, I received an e-mailed letter from Avant stating that the money would be deposited into my bank account ending in XXXX .... I contacted them and told them that the number was wrong. I assured them I double checked it and know that i entered the correct information. ( I have XXXX emails supporting what I am saying including the many times they asked me to resign the contract. ) They said that they had to hold my loan until it was returned to them within 3 days and that then they would deposit the money into the correct account. On the XXXX day, they asked me for a voided check for my account so that they could correctly deposit the money. I sent that information to them. 
They said someone would get back to me by the end of the week. Monday rolls around and no money and no call. I called them, they said they received my information and they money would be deposited the next day nothing. Finallly, I went to my bank to see if they had attempted to put any money into my account. The rep there said there had been no attempt. Then, she checked to see if money had been placed in the account with the " mistaken number '' in it. She checked and said that the account number did n't even exist. Then she told me to call them and tell them that she would wait while they deposited the money. The young man, claimed there was an IT problem on their end and said the he would ge to the bottom of it, Friday, and call me on Tuesday. I told them I knew that the wrong account number was false and that I intended to report them to you. They have all of my financial information, including my checking accounts, social security number, bank statements, addresses, etc ... Please help. Oh, and I never got a call back and they never deposited the money. It is XXXX XXXX.
Navient Student Loans have called me 8 times today starting at XXXX. They are calling my home phone as well as my cell phone. 

I pay my student loan every month and as soon as I am one day late the phone calls start coming at XXXX. until XXXX. It is not like I am 30 days late. I am so tired of being harassed by a company where I pay my bill every month.
This company has furnished false information to the credit reporting agencies ( CRAs ). They CRAs are showing that I opened an account with this company on XXXX XXXX, 2012. I have never opened an account with this company.
i have paid, my credit card monthly online, as I knew I was going on my honeymoon in XXXX I went in on the card holders site and pre schedule the last payment of {$12.00} to come out ... to my surprise when i got back from my honeymoon and check all my bills they all drafted but this XXXX ... the bill was due XXXX/XXXX/XXXX i went in and made the payment on XXXX and call and told their customer service their online system did n't draft the payment. They have now reported 30 days past due on my credit report as of XXXX ... but just sent me a new bill saying the {$12.00} is due XXXX/XXXX/XXXX ... this company billing system is completely miss leading and not functioning properly they have destroyed my credit over a {$12.00} bill that has been paid! Please assist me in getting this corrected the card holder is wells fargo, I have had the card since XXXX and never had a 30 day past due on any of my cards. I 'm a real estate agent and investor and know the importance of credit, this is going to cause all of my creditors to increase my interest rates! the company is wells fargo XXXX
I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as Experian. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XX/XX/2016.
I had a credit card for 2 years, recently fraud relent charge was charged to my account. I disputed the charge the first claim was approved but the charges was put back on my credit card. I 'm receiving illegal charges to my credit card without explanation, my XXXX messages for the claim adjuster has n't been returned. The 4 messages to the claim supervisor XXXX has n't been returned or the request for a manger call back has not been received. The second fraudulent claim has been denied, become my home address and the fraudulent charge are with a XXXX mile radius. No research was conducted, I have victimized by this company. This company should be federal investigated for security and credit fraud. I do n't make the any of these fraud relent charges. I believe the bank or credit card companies has n't properly secured, an one of their employees has used this account. 

I received additional charges for late fees, membership fees and interest charges associated with the fraud relent charge. This is a moneymaking tactic to illegally collect money. I have no ideal about the fraud relent charges, the research has n't been done. I spoke to XXXX, the owner of XXXX of location for the fraud relent charges, he state the credit card was called in to the location. But, speaking to the credit card company, they 've stated the credit card was present or used similar to previous purchase process. It does n't make any sense, this company has evident that no continuous fast food charges are made throughout any month during my account history. This company is make it easier for criminals then every.
on X/XX/17 I requested my PIN be sent. It has been 14 days and in their response they said it would be 5-7 days. They lied again. I am applying for a mortgage and it is imperative that I get that information immediately. I have previously filed a complaint on Transunion and I think they are purposely holding up this information because of this. XXXX XXXX was the snotty supervisor who not only had me answer the security questions but also ask to have my husband fax his drivers license to her. This is ridiculous.
Equifax has changed the reporting of an account I have with XXXX. I have filed complaints previously on this and they last corrected it in XX/XX/XXXX only to be reporting it again as in collections. this account has been discharged in a chapter XXXX bankruptcy and is almost at the 7 year reporting mark do be deleted. this has continued to cause me severe harm in my working to establish credit and appears like it is done on purpose to cause harm and is violating the bankruptcy discharge.
I am not presently working, so my wife called our mortgage servicing company ( Fay Servicing ) several weeks ago to apply for deferment until I start working. She was told the request will be forwarded to our account manager, but we did not hear from her ; therefore, on XX/XX/18 I sent her an email explaining our financial situation and stating that we need to apply for mortgage payment deferment. We have not heard from her up to this time.
I made a poor choice in desperation and bought a car from XXXX in XX/XX/2011. Within the first week, the air conditioning went out in the vehicle and was going to cost me XXXX dollars to fix. A week after that I had a tire blow on the highway. Apparently there were wires showing that I did not notice when I purchased vehicle. By this time Im frustrated. Then when I decided to return the car something happened in the engine so I wasn't even able to return it. I called to have them come and get it. I was not aware that there is something called the " lemon '' law. I just knew I got a bad deal. I didn't realize this was on my credit score until I went to purchase my first home. Now its a problem. I don't recall getting any notices or phone calls. I am attempting to dispute this debt. Any help would be appreciated. It has been 7 years so I do not recall a lot of information. Thank you
I opened a PNC Bank account 5 months ago with a promotional offer for a {$300.00} credit to my account after certain requirements were met. I did meet all of these requirements and still have not received this credit. I contacted PNC Bank and have spent over XXXX hours of my time on XXXX different phone calls with PNC Customer Service and on XXXX XXXX, 2015 I was advised that this credit would appear on my account on XXXX XXXX. It has been 20 days since then and the credit has not appeared. 

Additionally on XXXX XXXX, 2015 I confirmed with PNC Customer Service that all of the requirements were met for this promotion and that they even confirmed this with their " back-office retail escalation dept '' that everything was set and the credit would appear. 

I just this afternoon spend XXXX additional hours on the telephone with PNC Bank only to be told that they will file a " dispute '' and will get back to me in 30 days. 

This is ludicrous and upsetting that a large bank does not honor their commitments and I would appreciate the assistance of the CFPB to work with me to contact PNC Bank.
I have tried for 5 years to return my home to the bank. Right now the mortgage company is Seterus Loan # XXXX. I filled Bankruptcy in XXXX 2016. The mortgage company has still not take the title back. 

I have attempted Short Sale, Modification, Deed in Lieu and finally Bankruptcy. 

It has been at 3-4 years since I started the process. 

I am wanting to return the title to them and they are not taking any action to clean this mess up. 
XXXX Thank you.
Citi continued to represent a payment after I had already paid off my entire balance, causing three separate insufficient funds fees from my bank, totalling {$100.00}, as well as a {$25.00} late payment fee from Citi -- despite already having a credit balance from paying more than my entire balance.
XX/XX/XXXX applied for line of credit home equity loan with Bank of America XX/XX/XXXX received letter from BofA disapproving loan application due to debt is high relative to income and " based in whole or part on information in credit report from XXXX XXXX ''. This was incredible given my qualifications for the XXXX or XXXX HELOC, including about 900k in equity, about 800k in savings ( IRA ), and credit rating of XXXX.

The letter also informed me of my right to request disclosure of information used to make this illogical decision.

XX/XX/XXXX I sent written request to BofA exercising my right to request disclosure of information used to deny me the loan, including information from XXXX XXXX that was used to disapprove my application. I requested the information be provided by XX/XX/XXXX.

XX/XX/XXXX I sent letter to BofA formally requesting withdrawal of my loan application and demanding that BofA not place any type of lean on my property. I informed them that I am still awaiting information requested in my XX/XX/XXXX that I expected by XX/XX/XXXX.

XX/XX/XXXX I still have not received requested information as I was informed I have a right to receive.
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXXI am a victim of ID theft and this finance company tells me the account number but refuses to remove it from me I have never purchased or signed for any auto financed through Westlake Finacialtheir number is XXXXAccording to the lady my account number is XXXXshe would not even tell me who or where this came from please help me to get this off my credit
Contacted this company XX/2017 with certified mail asking to validate debt they are trying to collect. Portfolio responded but not with suitable verification of debt, no sign agreement or verification they had the right to collect. Sent a second letter asking for validation Company sent same information as the first time and a letter stating that their dispute department has review this information and they are not going validate the alleged debt again. My issue is that they did n't validate it at all nor did they provide documentation that they have the legal right to collect this alleged debt.
After looking over my credit report, I noticed that there was a listing on credit report for a company by the name of  XXXX   XXXX  ( on some credit report s )  & Planet Home Lending ( on others  ),  which ar e   one in   the same. I noticed that they have me opening a loan with them in  XXXX   XXXX , in which I have never opened a loan with them. My initial loan in  XXXX   XXXX , was with another company as shown through the recording information via verifiable proof on t he Hillsborough Clerk of Court  's website, where all recording for mortgages and the like are shown. I immediately contacted    XXXX   XXXX    /Planet Home Lending and s poke with  XXXX  and explained to him the problem. I have contacted several people since that time,  XXXX  who represented herself as the supervisor as well as advised her of the situation,  XXXX , and I finally got fed up and sent an email to  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  who is shown to be the President of   XXXX   XXXX  t/Planet Home Lending, with no response or acknowledgement. In the email I detailed my complaint as well as provided screenshots of their listing on each of my credit reports. Since I had n't received a response, I sent a follow up on  XXXX   XXXX ,  XXXX , still no response. Mind you, I was following up with customer service between these dates to see if maybe the email had been forwarded to another department to handle, but it had not been. I kept calling and spoke with  XXXX  again and explained this issue to her again, in which they are inaccurately reporting and explained I had not heard from their president in regardings to my issue. I forwared  XXXX  the email I sent to  XXXX   XXXX  at her request and she was to look into the issue and call me back. I learned after speaking with representative,  XXXX  today that per their credit department, they are accurately reporting and this is not true.
I applied for an account on " Circle '' and they declined to open an account after I uploaded a picture and drivers license per their request. I believe the decision was made because I am XXXX. " Circle '' says : XXXX ( Circle ) XX/XX/XXXX, XXXX EDT Hi XXXX, We have carefully reviewed the information you provided us and unfortunately we will not be able to offer you service. We can not go into specific details about what led us to our decision. Thank you for understanding. 
Best, XXXX - Team Circle I believe " Circle '' denied the account because I am XXXX as they will not say why they declined the account and the decline happened after I uploaded a photo of myself per their request. Thank you
This was an invalid charge from XXXX years ago. I have never had any agreement or contract with XXXX XXXX. The basis of this dispute is that I just pulled a credit report. I received no notices by mail, email or phone. I had sent substantial amounts of documentation several years ago when this XXXX came up which proves the debt invalid which I still have available. XXXX, XXXX and XXXX have all received this documentation and only XXXX does not report this new collection but old account now. My XXXX Score is XXXX and XXXX now at XXXX which should demonstrate the kind of damage this kind of wreckless credit reporting can cause someone. 

The subsequent attachment is from XXXX and the initial issue at the time was I was sold internet with a TV package " add on '' and later told I could not receive internet. There was also a XXXX day cancellation policy with XXXX, but they have been hounding me for years on a contract I never had and never used with XXXX.
On  XX/XX/XXXX , I contacted  XXXX  directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the  XXXX  received an update from the data furnisher the account was opened XX/XX/XXXX , and the last date reported was  XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both   XXXX   & the original creditor via letters ( by mail ), disputing it on  XXXX  website & through  XXXX   XXXX . I have sent 10 letters starting in  XXXX  and the last  three  I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX .  XXXX  at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of   XXXX   negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By   XXXX   own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If   XXXX   had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with  XXXX  on  XX/XX/XXXX  at   XXXX   XXXX    C.S.T., I advise d the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with   XXXX   later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.
I NOTICED THAT INNOVATE AUTO PUT A CHARGE OFF ACCOUNT ON MY CREDIT DUE TO A BALANCE THAT I DONT OWE. I CONTACTED THE INNOVATE AUTO AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER HAD A CAR WITH THEM BEFORE THEY QUICKLY APOLOGIZED AFTER I WAS ABLE TO SHOW MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THE INNOVATE AUTO SAID THEY DIDNT CARE THAT I DIDNT HAVE A CAR WITH THEM & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER HAD AUTO LOAN. I ALSO WANT ALL OF MY POINTS BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE THE LOAN WAS GENERATED.
I reviewed my credit report supplied by XXXX. In the report I noticed incorrect information and attempted to dispute the reporting. An Educational Credit Management Corp. was the reporting agency. I mailed correspondence disputing the debt, however, the mail was returned as not deliverable, unable to forward. I utilized the mailing address provided in the report. This reporting situation is criminal by violating the FCRA and negatively impacts my life. 
I am attaching scanned images of : the credit report and the returned mail. Please investigate and prosecute as required. I have requested XXXX investigate the issue. 
Thank You
Pinnacle Credit services has no right to contact me they were never licensed in the State of Maine to Collect or contact anyone. They put on my XXXX XXXX Credit Report XXXX wireless!!!! I have written proof through the State of Maine
Acura Financial Services has never honored the original contract : it was an interest free loan yet mid-way into the contract I was charged interest ; I was told the additional coverage I purchased would extend the warranty to 130,000 miles to ensure I received the full 100,00-mile warranty, as the vehicle had 30,000 miles on it at purchase. XXXX XXXX at 100,000 miles forcing me to take a refund for my coverage in paid services on the vehicle at Acura. Acura found enough in repairs to ensure I received none of the refund in cash.
I have fulfilled my contractual responsibility to Acura financial services as it pertains to my XXXX XXXX XXXX, but I have yet to receive the owners registration ; Acura has continued to hold my pink slip XXXX, while illegally access the vehicles computer system manipulating and interfering with the vehicles performance by generating error code ( ALL CODES DIRECT YOU THE ACURA DEALERSHIP ) and added additional fees at the end of the contract, in an effort to extort additional monies ; this is extremely egregious and despicable behavior on the part of the lender.
I experienced a major reduction in income when my medical status changed in 2013 to XXXX, with a diagnosis of XXXX XXXX. Because of the reduction in income I incurred late payments ; even with my repeated explanations of my medical status and irregular XXXX disbursements to Acura representatives, Acura still actively embarked on a despicable and unlawful campaign of harassment and bulling via the manipulation of the computer system in my XXXX XXXX XXXX.
Acura persisted in a hostile position of aggressively manipulating the computer system on my XXXX XXXX with error messages, disruptions in the performance of the XXXX vehicle, disruptions in the functions of the various systems on the vehicle and harassment of friends, family, neighbors and myself with repeated activations of the loud security system during the very early hours in the morning and late night. This egregious, instructive behavior on the part of the Acura corp. under XXXX XXXX XXXX XXXX XXXX is complicit in manipulating the vehicles computer system, diminishing and/or damaging the vehicles performance, forcing unnecessary and burdensome repairs which generated revenue for the corporation and created a financial burden for this owner. Their action damage the battery, forcing the purchase of 4 batteries and resulting damage so extensive to the transmission I was forced to pay over 5,000.00 in repairs.
I have written letters and contacted the company via telephone in an effort to have them compensate me for the losses I incurred as a result of their unlawful behavior and the immediate release of the title to my car as I have fulfilled my contractual responsibility to them.
I have my Experian credit report and I notice that experian is providing inaccurate information about my account status and there is some discrepies. I have being applied for credit and when the company pulls from experian credit report, i either been denied credit or have to pay a high security deposit. Whereas when a company pull my credit report from XXXX and XXXX, is were i am always approved. Experian credit bureau is not reporting accurate information.
XX/XX/XXXX I noticed a inquiry from a company by the name of XXXX. I called XXXX and they confirmed that I do n't have any information in their files from XXXX at all so they are unsure why Transunion is reporting that inquiry
I pulled my credit report and noticed an unknown medical account on my credit report. I disputed this account with the credit bureau and was told that this has been verified. I then was told by the credit bureau to contact ability recovery services and they then send me a itemized bill which is not validation. I request for a copy of a contract bearing my signature and something showing that I have a contract with them.