WillisBack/dataset-financial-user-claim huggingface dataset:
The name of the company is Consumer Portfolio Services ( CPS ) and I had a car loan with them that opened on XX/XX/XXXX. Unfortunately a few months after the purchasing the vehicle it started requiring thousands of dollars of repairs and I could not afford to fix it and pay the monthly payment of XXXX dollars. At the time my payments started becoming late and CPS started calling my friends, family and work telling them that I owed money on a loan and trying to shame me into paying. Also they started adding on fees on top of other fees and so forth. 

Finally because I could n't handle the stress of the car loan and the harassment from their collections department I told them to take it. The harassment continued after that so I started to threaten legal action. I believe the person I spoke with was named XXXX XXXX. She told me they would stop calling and remove the information from my credit report. 

To my surprise I went to get a new car loan, after waiting six years because of the trauma of dealing with CPS, they were still reporting the account negatively XXXX my credit. I then put in a dispute with XXXX and XXXX, citing the previous promise from one of their employees, but the dispute was rejected by them. 

I just want this awful company out of my life, I spent six years avoiding credit and financing because of their horrible practices and still they are affecting my life. 

Unfortunately I do not have the documentation for the loan it was lost during a move from XXXX to XXXX
On XX/XX/XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I was hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control due to delay in my pay. 
In XX/XX/XXXX I spoke with XXXX XXXX, VP, Loan servicing. During this conversation XXXX assured me that when I returned home, got my pay situation handled and got caught up on the mortgage at this time XXXX XXXX XXXX would update the report and change the late reporting to the bureaus as a sign of good faith. Unfortunatley XXXX XXXX is no longer with XXXX XXXX XXXX and I can not get anyone to return my calls. I have made several calls and nothing has been resolved. 
I have been with XXXX XXXX XXXX mortgage for 10 years and have never missed a payment. The only payments that were missed were XX/XX/XXXX and XX/XX/XXXX, however XXXX XXXX XXXX reports 30,60, and 90 day late payments all the way through XX/XX/XXXX. I made full and complete mortgage payments every month expect except for the two months XX/XX/XXXX and XX/XX/XXXX.
Habitat for Humanity refuses to take their property out of my name and it 's steady causing me financial problems, hardship, and stress. The house was built incorrectly and the foundation had pulled away from the house which made the house impossible to live in from the rats and bugs infestation. Habitat refused to resolved the issues and help me. I lost everything including my home. I 'm still being stressed out about this issue.
I sent a validation letter to XXXX XXXX XXXX on XX/XX/2018. They never responded with the validation request but sent another bill on XX/XX/2018. I then received a phone call asking me to verify my last 4 digits of my social security number and address. I have yet to receive validation of this account and request that it be deleted from my credit files as this is causing major issues with the home buying process.
My name is XXXX XXXX. I am writing this letter to dispute a credit card transaction and late fees and interests due to an unauthorized transaction on my account. 
I got a statement from ( XXXX XXXX  ) concerning XXXX XXXX XXXX XXXX by XXXX with an amount of {$300.00}. I also got a letter from collection agency -radius- for the same amount. 
When I called XXXX XXXX, they referred me to their recovery department, they stated that this is the fee for XXXX membership renewal. 
I closed my membership of XXXX two years ago and closed my XXXX credit card issued from XXXX XXXX two years ago. 
When I checked online at ( XXXX ), I found that somebody at XXXX XXXX  opened a new credit card for me ended with XXXX and charged me on XX/XX/2018 an amount of {$120.00} for XXXX membership renewal and a late fee and interest was placed on my account since this time and now the total amount is {$300.00}. 
I called XXXX membership department and they stated that my account was closed, and they did not request to authorize XXXX XXXX  to renew my membership. 
I did not authorize anyone to renew XXXX membership or to make a new credit card for me. I am out of the States for one year now. 
When I contacted XXXX XXXX, they stated that my account is closed, and I have a XXXX balance and they referred me to collection department who refused to dispute the transaction and the late fees and interests. 
XXXX XXXX openend a new credit card without my authorization and charged me without my authorization. 
This affects my credit score significantly for a transaction that I have never performed, and it was sent already for collection. 
Bank information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here you are my contact information : Address : XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, IN XXXX Email : XXXX XXXX
On XXXX XXXX, 2016 I went into the Wells Fargo Branch on XXXX XXXX and XXXX to purchase a money order. I was given a Cashier 's check instead and was advised by the teller because the amount a money order was not available. I purchased a Cashier 's check in the amount {$1200.00} made out to XXXX XXXX. About an hour and a half later I went back inside the branch to have the check reissued due to someone snatching the check out of my hand. I spoke to XXXX XXXX Personal Banker. XXXX placed a call to place a stop payment on the check and reissue the check. XXXX was on the phone with a representative for about 30 mins. XXXX begin filling out paperwork for me to sign for the check to be reissued. XXXX than hung up the phone and advised the stop payment was placed on the check but they could not reissue the check until Monday because the check was purchase today and was not yet in system. I asked XXXX multiple times if he were sure the stop payment was placed on the check. XXXX guaranteed also assured me the payment was stopped and Monday I would fill out a notarized paper and check would be reissued. I call the Bank XXXX XXXX, 2016 and was told the check was cashed. I spoke with a rep and asked why the check was cashed after a stop placement was placed on check. The representative advised the check should have been reissued by the branch the same day and she was not sure why they did not reissue the check. She then advised me to go back to the branch because they were the ones who did not reissue the check properly. I called the branch first thing Monday XXXX XXXX spoke to XXXX. XXXX asked me to email him a copy of the top of the check and advised he would check on it. XXXX XXXX I called XXXX again because I did not hear back from him. XXXX advised that this was sent to the Executive office and the call was being pulled where the representative advised the stop payment was placed on the check. XXXX advised to give him a few days to figure out what they could do because the bank messed up and cashed the check. I called XXXX back on XXXX XXXX he advised the Exeutive office stated nothing could be done so he spoke to manager. With my permission my fianc went down the branch after continuos runaround. XXXX advised his boss XXXX XXXX was working on getting the call pulled so she could work on it. My fianc called XXXX XXXX XXXX after still not hearing anything. XXXX XXXX advised my fianc there was nothing the bank could do because the check was cashed. My fianc advised her the check should not have been cashed after being advised by XXXX the payment was stopped. XXXX XXXX stated the bank could provide a letter of explanation explaining how the check was cashed after the stop placement was stopped. My fianc advised XXXX that it was unacceptable as this was the banks error and we wanted to be compensated. I stil have not heard anything back from XXXX or XXXX and it as been three weeks with the bank not taking responsibility for their error.
Equifax Inc. recently disclosed that its systems were struck by a cyberattack that may have affected the credit information of 143 million US customers. It was announced that intruders accessed social security numbers, birth dates, names, addresses and driver 's licence numbers. Equifax also provided an online website for customers to check if they are affected. Based on the information provided there, I was told that I may be among the affected customers whose information was improperly accessed by the intruders.
In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. Equifax advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
Please be advised that I see no other recourse but to file a complaint against XXXX XXXX Bank XXXX XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued in XXXX. I was late with payments at least XXXX times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XXXX XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, XXXX states a XXXX XXXX deletion of the account, XXXX states an XXXX XXXX deletion date and Experian states a XXXX XXXX deletion date. In essence, XXXX XXXX XXXX XXXX XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval in XXXX. I am well within my right on such a request. XXXX XXXX Bank XXXX XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.
My old bank ( XXXX Bank ) was bought by First Citizen 's Bank. The type of account that I had was marketed as no-fees. First Citizen 's honored the no-fees for 30 days but not did not properly inform customers when they discontinued the service and began to charge overdraft fees. 

Their online account balances have been out sequence, they are charging ghost fees 3-5 days later that are not showing up until after you've made transactions based on the out of sequence balances. They also are adding services that have not approved of and withdrawing the charges from the account. 

Their retail business staff has been deterring personal account holders from applying for personal loans by telling them that personal loans aren't available.
hi my problem is i took out a loan with las vegas fiance and when my due date came up i got a garnishment on my check by a deby collecter so i talk to las vegas fiance and told them that i wasnt going to be able to pay them right now because my check got garnish and they were like how much is the other company garnishing you right now and i was like XXXX percent then they told me that there were going to then take the other XXXX percent of my check because they were going to garnish me also. I know i took out a loan and im going to pay it its just i need a little bit of time
Transunion is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for Transunion. When I asked them about it they said to contact Transunion but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.
I just received yesterday 2 separate letters from XXXX credit reporting agency. I am uploading the letters. XXXX states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why XXXX and transunion are not removing it but I am frustrated at the fact XXXX sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.
Loan default was entered on my account on XX/XX/XXXX Due to said default, I incurred significant and  burdensome penalties of approximately {$15000.00}, not including interest, which I continue to pay off to this day. The default was entered in error as I timely requested an emergency medical forbearance prior to the date that the default occurred. 

On or about XX/XX/XXXX, I was admitted to XXXX XXXX in XXXX XXXX, California. I was struggling with XXXX and XXXX XXXX and due to my troubles, I was unemployable and unable to pay my student loans. At the time that I was admitted to the hospital, I was aware that my student loan account was near default. Therefore, after admittance to the hospital, I contacted AES to notify them of the situation. I was instructed to fill out a medical hardship signed by my doctor and send the form to them via fax. I did as instructed and sent the form to them prior to XX/XX/XXXX 

Approximately 30 days after being admitted to the hospital, I was discharged and returned home. However, when I returned home, I was notified of the default. I immediately contacted AES and was told that my request was received too late EVEN THOUGH I SENT THE REQUEST IN A TIMELY FASHION AS INSTRUCTED BY AES. The default and rehabilitation process was explained to me and although I disagreed with the result, I immediately undertook measures to start the rehabilitation process.

At the time, I did not have the strength to fight the default. It was more important to me to get healthy and resume my life. I did just that I have been XXXX  and XXXX for nearly 13 years and have been employed throughout that time period. I have made every single payment to AES. However, due to the increased financial burden and payment schedule, my debt to AES has barely decreased and every month it is a struggle to meet all of my financial obligations.
All of my student loans are being serviced by Navient since XXXX/XXXX/XXXX. Upon receiving my current XXXX XXXX tax form showing how much interest was paid in XXXX, I was alarmed when the amount was quite large. Much Larger than the amount paid towards my principal. So I went into my account and looked at how my payments were being allocated and there is a huge discrepancy in how much is going toward interest compared to principal. I used the interest accrual calculator on Navient 's website to see how much interest is accruing over a 31 day span and the calculated amount for all of my loans is {$340.00}. My current monthly payment amount on the IBR plan is {$580.00}. Below is how my payments have been broken down - only typed some of the months to give you an idea ( I will attach documents showing all months ) -- they have been broken down like this for as far back as I can check now that I have looked. 

XXXX/XXXX/XXXX : Principal - {$82.00} Interest - {$500.00} XXXX/XXXX/XXXX : Principal- {$65.00} Interest - {$520.00} XXXX/XXXX/XXXX : Principal- {$52.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$53.00} Interest- {$530.00} I am not sure what to do here and if this is correct or highway robbery. I make a decent living but I will never be able to pay these loans off if this is the way they allocate my hard earned money. 

We do n't get to choose who services our loans when we get out of college and you would think that government agencies would regulate these companies to make sure that those who work hard and pay their bills get some sort of piece of mind. I work hard and do n't have time to keep track of how Navient should be doing their job legally and ethically. Please help me with this issue and help me to make sure the money that was n't allocated correctly goes back to my principal and future money is allocated properly. 
I also make too much money to write off my student loan interest on my taxes so I am at a loss of over {$5000.00} a year while my loan amount has only gone down {$400.00}! I should not be paying {$5900.00} in total payments XXXX, of which {$5500.00} went straight to interest.
I have received calls on numerous occasions from a collection company known as CBE Group. I have received calls several times a day from this company. Each time that I have answered, I explained to the agent that we do not know the person they are looking for and to please remove my number from their call lists. I have had this number for almost XXXX years.
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
On Thursday, XX/XX/XXXX, I listened to XXXX messages from XXXX ( a woman 's voice ) and XXXX ( a man 's voice ) with the exact message. " You have an important message from Credit Service Company. This is a call from a debt collector. '' When I called the first number, I was told my call was being recorded and then when I asked who they represented, they asked for my personal information. I informed the woman I was tape recording the call, she hung up. I called the second number and heard a recording that my call was being tape recorded, a man came on and I asked to speak to a manager. The man said, " You are in no position to ask to speak to a manager! '' I then told him, I was taping the call. The man stated, " That was impossible! '' When I said I was holding my cell phone to the receiver, he hung up! 
I looked on line for the company called Credit Service and called the number listed. The number has been disconnected. ( XXXX ) To my knowledge I have no outstanding debts and my credit is excellent. How do I find out in a safe manner if I do have an outstanding debt? Giving my SSN etc. to anyone especially on the phone etc. is not anything I am willing to do! 
Thanks
I have a {$3400.00} debt listed on my credit report and it has been paid. The reporting collection agency will not report the payment and I was told to challenge it and let the Credit Reporting Company call them. I have a receipt showing it has been paid.
I do have have a XXXX Bank Credit Card which i closed on XX/XX/2015 on good standing and is reported as charge-off to the credit bureau 's. So, i called all the credit bureau 's and disputed the account being charge-off as i paid all of it in good standing and closed it in a good standing with a XXXX  balance on it. 

As a result XXXX and XXXX have verified my account and they have removed the charge-off from my credit file and closed it appropriately. But, Experian did not remove it from the credit file which is seriously affecting my credit score and daily life. 

So my Experian scores are always being very low with a serious deliquency on the account which is causing me very serious problems in my daily life. 

There is always a great difference in my credit scores because this such as : My current Experian Score : XXXX My current XXXX score : XXXX My current XXXX score : XXXX As you see above there is always a 100 point difference between the scores which is a serious problem for me
tax lien from XXXX county has wrong address and phone number. its impossible to verify the debt as valid. the phone number reporting on file is a phishing number and the address on file is invalid. had a proper investigation been excuted, the phone number on file for XXXX county courthouse and address would have presented a red flag to the credit bureau as it did with XXXX and XXXX.