WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I was in a car accident with my XX/XX/XXXX XXXX XXXX. I had insurance as well as gap insurance. In XX/XX/XXXX my personal insurance paid 5000 plus towards the loan and my gap insurance paid the remaining balance. I received a letter from Santander Consumer that my loan was satisfied and the lien was released from the title. I have enclosed a copy of the letter from Santander Consumer. I have contacted the company multiple times and was unsuccessful with getting them to remove the false information from my 3 credit reports.
lIKE XXXX YEARS AGO, I DECIDED TO ACCEPT AN OFFER FROM XXXX ( RIGHT NOW ONEMAIN FINANCIAL ) FOR EDUCATION PURPOSES, THE INTERES WAS REALLY HIGH HOWEVER I NEED TO PAY THE TUITION. AFTER THE YEARS THE LOAN IS NOT BEEN REDUCED, AMOUNT FOR THE PRINCIPAL IS MINIMAL
I opened my XXXX XXXX American Express credit card with a signup offer of spending {$4000.00} to earn XXXX XXXX points. A few days later the offer of XXXX XXXX points for the same exact spend threshold was released to the public. I called XXXX at XXXX on XX/XX/18 and spoke with a representative named XXXX asking if he would honor the newly released offer since it was a matter of days. He said no. I asked to speak with a manager. She also declined saying it was impossible to adjust the balance, but then later on in the conversation she offered to adjust it by XXXX points. So, it is possible. She said she could pass it on to their marketing department for further inquiry, but she won't because they will likely decline it, even though I asked her to do so. This card comes with a {$450.00} annual fee so it's not like I asked for the most basic card. I also did not earn the signup bonus yet, so it is also not like I am asking to retroactively apply a new bonus to an already earned signup amount. I'm still in the process of earning the original signup bonus which had been changed in a matter of days. I believe this is bad business practice to not honor it.
I have a loan through CapitalOne for a home mortgage in CA, which I entered into in XX/XX/XXXX. I became long-term unemployed in XX/XX/XXXX. When I requested that a loan modification be done, and work to create a relief plan, CapitalOne and it 's associated acted in may ways that were in violation of the CA Homeowners Bill of Rights, including dual tracking me and failing to provide a single point of contact during the modification discussion. Further, CapitalOne refused my request to use a different index than XXXX for the APR of my mortgage. XXXX is a known fraudulent index which has been widely reported to have been knowingly manipulated by banks and there have been many federal, state and international fines and penalties associated with the " rigging '' of the XXXX rate.
XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, Equifax, and XXXX continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account in the subject on all three agencies and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of paid off certification that i had from the bank. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account.
SOMEONE GOT A HOLD OF MY PERSONAL INFORMATION. AFTER PULLING MY CREDIT REPORT I NOTICED SEVRAL INQUIRIES OVER THE LAST YEAR THAT II DID NOT APPLY FOR OR AUTHORIES ANYONE ELSE TO APPLY FOR ANY CREDIT IN MY NAME. I HAVE FILED A POLICE REPORT WITH MY LOCAL AUTHORITIES AND HAVE SUBMITTED AN FTC AFFIDAVID IN REGARDS TO THIS MATTER. AND NOW I AM SUBMITTING A COMPLAINT WITH YOU TO HAVE THESE ITEMS REMOVED.
I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX, XXXX, XXXX and XXXX as contained on my consumer credit profile at XXXX XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the XXXX Financial Services in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Bankruptcy disputed on credit report. Submitted dispute, company advised the bankruptcy is valid. Contacted the court and credit report agency never submitted an inquiry or validated the bankruptcy.
On XXXX XXXX 2017 I called regarding the annual fee that I WAS NEVER R TOLD ABOUT when I called the company to get a credit card for the first time. The representative approved me over the phone but he never said anything about an annual fee ... Fie the past couple of years I have called and have explained the situation and the representative had been able to waive the annual fee Tonight XXXX XXXX employee number XXXXRefused to waive the annual fee that I was never informed I had to pay when I was offered the card over the phone.
me and my XXXX sister are being targeted for eviction by XXXX XXXX XXXX XXXX XXXX for a mortgage debt thats not ours, they falsely put mine and my sisters names on a couple of notices to quit when technically it should have been my mother whos name is the only one left on the mortgage bill, they are working exclusively with ocwen who have actually defrauded my parents, they are terrorizing my sister who again is XXXX and is terrified that she's losing her home because of these scam artists i want them shut down and any entity that is associated with them.
TransUnion Customer Service, My father died on XXXX XXXX and his body was n't found until XXXX XXXX. This is put an emotional and financial strain on our family and we need requested expedited to pursue our legal intentions. On my mother 's behalf ( XXXX XXXX is cc'ed above ), I respectfully request an expedited copy of my deceased father 's TransUnion Credit report . We are requesting that an electronic PDF copy is sent to everyone cc'ed in this email immediately. I look forward to hearing from you. Your response is greatly appreciated. 

Very respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX '
Taylor Law , PLLC, Located in XXXX, XXXX ( They represent XXXX , XXXX collection agency ) has filed/threatened to file a lawsuit against me over a Time Barred debt. The original agreement was with XXXX XXXX XXXX and according to their credit card agreement it is governed under XXXX State Law. The statute of limitations in XXXX is three ( 3 ) years, which expired in XXXX 2014, and places their suit in violation of the Fair Debt Collection Practices Act.
American Education Services on behalf of XXXX. 
Student loans debt XXXX Wont lower payments I filed Chapter XXXX Bankruptcy Company has hired XXXX XXXX XXXX to collect. 
Have asked company to speak to my lawyer regarding student loans and after sending the company multiple emails with third party release for attorney. Paperwork goes missing and they continue to say they have n't received documents.
Attorney has repeatedly asked for documents for the trust and how the loan was required through AES.
Request to CLOSE ACCOUNT and give payoff balance in XX/XX/XXXX. Advised was refinancing home to clear debts especially this one at 65 % APR. AVANT of Louisiana, LLC refused to cooperate with me or XXXX XXXX XXXX that was handling refinance of home and cutting payoff checks. Clearly told both of us would not close account nor put a payoff amount in writing. 
Applied for loan for medical emergency XX/XX/XXXX for {$2600.00}. because of the urgency..failed to read fine print that showed 65 % APR which meant at least {$130.00} a month was added to balance even if I paid more than monthly amt due on or before due date. This is the only Creditor that was not paid and only creditor that REFUSED TO CLOSE ACCOUNT ON DATE OF CONTACT REQUEST. My pain and desperation for emergency dentalsurgery led me to now having to deal with a financial burden that keeps increasing in leaps and bounds monthly, a company that refuses a request to close the account to stop the 65 % APR, refuses to allow me to talk to management. Seems I 'll be trying to pay this one debt forever and keep bad credit reports.
According to https : //www.equifaxsecurity2017.comXXXX my personal information was mishandled in a recent data breach. I am worried about identity theft but unsure what I can do to protect myself.
I was told a deposit I made would be available on XXXX XXXX, 2016 and as of XXXX XXXX, 2016 it has still not been released, despite me providing proof the check had cleared. I am being charged fees while items I 've try to pay against the deposit have been returned at great embarasement and expense to my family
Equifax has an incorrect derogatory mark on my record relating to a judgement against my father who has the same name as me. I contacted Equifax and they refused to remove it from my credit report and it is negatively impacting my credit score. I contacted the court that issued the judgement and there is nothing they can do.
XXXX from Eastern Asset Serv called my husbands Ex wife of 20+ years and told her all of our account information including the amount of the debt. We have no affilitation with my husbands ex wife and this debt collector told her everything.
This company ( Bison Recovery ) has called me several times in regards to a debit in my sons name. I told them I do not have any knowledge about where he is or what his current number was. I asked to be removed from their call list. They also contacted my wife and she has told them the same thing. I have had to do this 3 times now and the person on the other line has been rude and derogatory.
I paid a debt to MNet Financial on XXXX for medical services earlier this year. I received a call from someone today, XXXX, saying I did n't pay it. I pulled up the information on my phone and gave that person the information that appeared in my bank account info showing it was paid. Because the information showed MNet 's phone number she said it was not sufficient to identify in their system. She said I would need to produce a bank statement. I am not going to send a bank statement with my personal information to this debt collector because their system is too antiquated to reflect that the payment was made was made SIX WEEKS ago.
i got a call at my work yesterday evening XX/XX/XXXX ad the caller said they were from advantage services saying I owed a payday loan fromXX/XX/XXXX I have n't had any and the said it was from XX/XX/XXXX when I ask for documentation to be sent to me they caller got ugly and so I hung up in her face. then she called back. I refused the call and told our operater not to accept any more calls like that. they threated charges and court. they were very ugly. I have not had a pay day loan they have they last numbers of my social security number. I do n't know how they got it but they do.
I actually have XXXX to file : public record too. I 'll do that next. I was fraudulently reported by XXXX XXXX of XXXX in XXXX, OR for not paying one of my rent installments. I was double charged when I moved in paying {$680.00} ( included in the first installment along with a {$35.00} screening fee and {$150.00} security deposit in a check from my college XXXX account - **************** ) XXXX XXXX, 2014. Then I was charged another rent of {$680.00} 5 days later which I was told it would all work out when I moved out showing that I paid the correct installments. They are telling me now this is not accurate and insisting I have to accept the terms of a five day payment for full rent in XXXX instead of one of my top installed agreement payments.
On XXXX XXXX, XXXX my car was repossesed. 
On XXXX XXXX, XXXX Wells Fargo XXXX Department was made aware that the tires on the vehicle were leased and needed to be removed prior to car being sent to the auto auction fornsale. 
XXXX XXXX, XXXX XXXX XXXX XXXX sent over notice to sale vehicle to move vehicle tomauction WITH THE LEASED TIRES still on the vehicle. 

It appears Wells Fargo is refusing to remove and release the tires from the vehicle prior to the vehicle being sold. 

I have reached out to them again, this problem has yet to be resolved.
This company is the WORST I have ever experienced. 

They STILL after 8 months have not been able to identify the problem with logging in with my account to make it easier on my life. 

I have wasted HOURS of my time and STILL NO RESULTS. 

No one has sent me any information. No one has reached out to me. All they have done is wanted their money. 

Customer service rating ZERO out of 100.
So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  XXXX ? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????
My home suffered damage during the natural disaster, hurricane XXXX. The insurance company sent the repair check to my mortgage company, seterus, who refuses to discuss releasing the funds to me, for me to repair my home. Seterus representatives have also threaten me with foreclosure. I have roof and interior damage, that need to be repaired ASAP to avoid further damage from inclement weather and the possibility of mood developing. Seterus actions as a result of a natural disaster should be illegal and they should be investigated and charged.
XXXX XXXX XXXX XXXX recently reported a medical collection for {$530.00} on my credit report. Prior to this account showing up on my credit report, I did not receive a notice of my right to dispute. This is a direct violation of my rights under the Fair Debt Collection Practices Act.
this debt just showed up on my credit report have no ideal who this company is have not received any notice via mail nor do i remember doing business with this company.
I disputed this fraud account that is being reported on my credit report to TransUnion account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. TransUnion performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

TransUnion ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft report.
Portfolio recovery bought a bad debt that was made by another individual to XXXX using my credentials. Tried to correct this with XXXX  to no avail and decided just will not pay the claim. Portfolio reps have been calling me after I repeatedly asked them to cease calling me to collect and they have made threats of all kinds. I am a XXXX   veteran with XXXX and live on very little money. I will not tolerate this much longer from these individuals.They have called consistantly from XX/XX/XXXX through XX/XX/2018 which is today on my cellular number. This has to stop NOW!
Midland funding has sent numerous letters and made phone calls after the fact that they tried to put a judgement on me throught court. I fought that judgement and won, they could not prove to me or the court that I owe them any type of debt. So it was dismissed. It is still on my credit report after XXXX attempts of dispute and also sent via certified mail copies of the court findings. I do not think this should be on my credit report so I pray that something can be done.
I am contacting your firm due to my stolen documents and jewelry that I kept in a safe deposit box at your bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX. My husband went into your bank on or around theXX/XX/XXXX to empty out our safety deposit box just to find out that it had already been emptied out. At this point one of the workers stated that they could not open it without his key, which that isnt true. Why would I pay for the use of a safety deposit box for years if it is empty? Why would you state you will credit me back one if you knew it was empty? It does not make any since to pay for a box that nothing is in for years. We have not been there for years, you should be able to see the last time we opened my safety deposited box prior to you telling us to empty it out because you are closing the branch in XXXX XXXX. I had over 25 thousand dollar in jewelry in that safe as well as my last will in testament, and all the titles to my properties which now I will have to pay to have it replaced. Its hard when you cant even trust the bank. My husband should have called the police before he left your facility. I called several time and was placed on hold. I held for 30 minute twice and 15 minute several time before someone said they would have the supervisor call me back. They gave me several numbers and I called them all.
To Whom It May concern, I had attended XXXX XXXX XXXX, XXXX XXXX MN between XX/XX/XXXX XX/XX/XXXX At the end of every quarter, the financial aid office had me sign documents, that ultimately would be high interest rate ( XXXX12 % ) private loans, without really explaining what the loans were or providing any additional options for financial aid. I did earn a XXXX degree, however, I have been on countless interviews over the last 5 years, and no one in the field recognizes my degree nor do any of my credits transfer. As a result I have XXXX in student loan debt, XXXX of which are private loans that are unable to be lowered or postponed. I must also include that I am an adult XXXX ( XXXX ) - I had attended the school because I was interested in XXXX- I struggled with being in class, but made the school very aware of my XXXX. They promised to assist me with finding a job after graduation, but I have not heard anything from them since the 5 years after. Also XXXX has really affected me from being able to interview well enough for a job that would be pay enough to even pay off these loans. I work at a XXXX, making {$15.00} an hour. My student loan payments are more than half of my take home pay- XXXX XXXX ( navient ) refuses to help me at all with my private loans. If I had known the interest rate or had a better understanding of the financial burden that XXXX XXXX has placed on me, I would have attended a different school. Thank you for your time and any assistance.
XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, XXXX, and Experian.
Experian said that the system change my credit scores on it own but I was told by the mortgage lender since another mortgage lender just check my credit report on the same day XX/XX/2018 it wouldnt take no more points for. I had a month after the first lender. Both was done on the same day I lost 1314 points.Experian said they have no control of this but I didnt lose points like this with the other bureau. Then they remove XXXX XXXX that was in my bankruptcy made me lose points because when I call XXXX and ask why did they do that they said they didnt because its against the law since I was in bankruptcy. Experian said nothing they can do about it now because they cant see it on my credit report anymore.Last experian have about 5 credit cards that was in my bankruptcy that they are showing late payments I am out of bankruptcy and all that was in my bankruptcy supposed to be showing XXXX balance and no late history but experian said they will investigate this but this information is on my credit report that all those credit cards was in bankruptcy. What are they investigating? Out of the three I am only having these issues with experian and when I file a dispute it get worst. Please help
I had a hard inquiry from XXXX on XXXX XXXX which I did not initiate.
XXXX is reporting a debt in collections by the bureau since 2010. 
I did not owe this amount as it was billed for work I did not agree too. 
I have explained this to experian XXXX XXXX and XXXX and experian is the only reporting agency that wont remove this item from my file. 
It was never an authorized charge. 
It should be removed from my credit report.