WillisBack/dataset-financial-user-claim huggingface dataset:
DriveTime XXXX XXXX and its financial affiliated, XXXX ( owned and operated by DriveTime ), financed me a used car. The car has numerous problems that were hidden from me during the carnival-like process of showing off what is not wrong with the car. I have made numerous attempts to contact BOTH Drivetime and XXXX. The result has been time consuming and without results. 
I have never missed a payment, and I have zero delinquencies, and I am not asking to break the lease. I am asking for what Drivetime advertises : the opportunity to modify or extend the loan agreement, so that I do not fall behind or violate the terms of our agreement. Drivetime XXXX XXXX and its financial affiliate, XXXX, do not wish to discuss the advertised options on their website. Are they guilty of false advertising, or unethical business practices, or both? 
The only time I receive contact from Drivetime is to remind me that my payment date is approaching, not that it is late, but that they want money soon. 
Drivetime may be in violation of a Federal Consent Order that was imposed on them in 2014. 
I am reaching out to Drivetime one last time via email, informing them of their excessive contact and their false claims. I am also ceasing all financial obligations to the company until they acknowledge the situation. 
I will not allow Drivetime to deface my credit or violate the terms of their court order by harassing myself, my references, or my workplace. 
I have made timely payments and asked for help with maintaining our business arrangement. 
They have responded with silence from customer service, excessive payment reminders when payments are not even due yet, false advertising, and unethical business practices.
I HAVE DISPUTED THIS ACCOUNT ( XXXX XXXX XXXX OPENED XX/XX/2018 ) WITH THIS BUREAU TIME AFTER TIME FOR THE LAST 3 MONTHS. I HAVE NOT RECEIVED ANY PROOF BACK OR ANY TYPE OF RESULTS. THIS ACCOUNT DOES NOT BELONG TO ME AND I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT. THE BUREU OS NOT COOPERATING WITH ME AND THIS ACCOUNT IS HINDERING ME FROM OBTAINING ANY FURTHER CREDIT.
I am deeply upset that Equifax continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/2017 dispute results, for the second time same issue. BK # XXXX from was removed from my Equifax credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by Equifax. Due to this inaccuracy being reported my family and I are being affected. I am on anxiety medications from the stress of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

Equifax continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.
Repeated phone calls from XXXX to my place of employment stating that I owe a debt. Which is false. I called the telephone number referenced above asking for information in reference to the debt and was hung up on.
Transunion has re-inserted a collection from XXXX that was deleted months ago. XXXX Debt is now the handler of it This debt was deleted 2x last year already.
The reason for my filing of these complaint is to state that capital one is being un reasonable with my case. I had disputed my account ref number : XXXX XXXX XXXX XXXX on XX/XX/XXXX, about late payment history around XX/XX/XXXX to XX/XX/XXXX. 

Capital one requested me to provide proof of my not being able to make my payment. As a result, I sent capital one the doctors proof of sickness ( medical report ) and my XX/XX/XXXX Bank statement that shows that I had around {$19000.00} back then that could have covered the payment due were it not for the serious medical condition that I was under. 

But to my surprise, even after providing all the documents that capital one had requested as proof, capital one still refused to remove the late payment history they are reporting on my credit file. I am requesting that capital One remove the late payment history they are reporting on my credit report. 

Attached here with : 1. My dispute letter sent to cap one on XX/XX/XXXX.
I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I checked my credit report months ago and noticed this creditor was on my report. However I have never heard of this creditor nor have I ever done business with them. Theres a number on my report to contact them and upon contacting them I spoke to a lady who told me that I had been a sponsor for this lady who took her grandmother to XXXX or XXXX Im not really sure of the location she claimed Id sponsored but I informed her that I dont know the names she named and she said that if I file a dispute with the bureau shed remove this fraudulent account. I believed her but upon recently checking my report I found she never removed the account and is still reporting it as open and now 9 times delinquent. I then made a second call to them and spoke to a different lady who said I had my sister flew somewhere to attend the funeral of my brother which is a total made up story because I dont have a sister and my brothers are alive and well. This creditor knows this account is fraudulent and refuse to remove it from my report and thats a violation of consumer protection laws in reporting false information to credit bureaus without adequate verification. Im asking that they remove this fraudulent account or the FTC charge them for violating consumer protection laws. Reporting false information to credit reporting agencies.They have no validated evidence of me signing anything in front of a notary or certified letter sent to me validating this debt so they are in violation of the law if they dont remove this.
We moved in XXXX XXXX and our mail forwarding request was active from XXXX XXXX - XXXX XXXX. Our mortgage lender, Wells Fargo, never changed our records to our new address, even though they had access to it, so all of our personal financial loan information was continually sent to the old address. In XXXX XXXX, we received XXXX letters from Wells Fargo at our new address, so we know they had the new address available, but they never changed our files. In XXXX XXXX, Wells Fargo filed an insurance claim on our old property. The loss was from XXXX XXXX, when we still owned the property and were clearly listed as the insured on the claim. Since our address was incorrect, we did n't receive any of the information about the claim - it went to directly into the hands of the renter at our old address. He opened our mail from Wells Fargo and/or XXXX ( the insurance adjuster ) and used our personal loan information to contact Wells Fargo. In XXXX XXXX, we received a letter from Wells Fargo addressed to the renter, but cc 'd to us, stating they were sending the renter a check based on that insurance loss. They sent him 2 checks totalling {$20000.00} off an insurance claim from when we owned the home and under our loan number. Not only did Wells Fargo hand him all our personal data by never properly changing our records, but they allowed him to contact them and speak with them regarding our loan and our insurance claim. Wells Fargo sent an apology, saying they messed up by sending him the money, but also stated their error did n't harm us because we were n't owed the money. Our mail was opened, our personal information was breached, and Wells Fargo allowed someone to contact them several times using our account information and swindle them out of nearly {$21000.00}. For the bank to say " oops, sorry '' and expect us to sweep this under the rug is beyond insulting. We have no idea how long this will affect us or how far this man will go to use our information for his own gain. Wells Fargo has a responsibility to us and they failed miserably at it. Our personal, financial information was handed over to someone else AND he was allowed to gain access to the largest financial loan we have.
I was an authorized user on XXXX my father 's accounts but have not been for a while now. The credit card companies have removed me from these accounts yet they still continue to show on my credit report! How do I remove them from my credit reports? The accounts are XXXX XXXX and XXXX. Also my father 's name which is similar to mine shows on my credit report along with his home address. Why is this and can it be removed?
i was a victim of XXXX XXXX XXXX XXXX XXXX kids. Barclays re. card # XXXX. Barclays dropped my credit limit just below my balance on the statement cut-off date for the purpose of sabotaging my already struggling credit score.  the drop in credit line for {$100.00} has no appreciable affect towards risk credit portfolio management. the credit line was lowered by Barclays just enough to trigger an over the limit credit reporting to the major credit bureaus. It is an abusive and malicious credit practice. Barclays has done this multiple times to me, my husband, and many people whom i am aware. the frivolous lowering of credit lines on tens of thousands of their customers accounts in order to stab them in the back and deliberately damage their own customers credit scores, and for no other apparent reason besides that. my husband concurs, the Barclays portfolio management team are a group of sociopaths with tiny XXXX who just resent and continually abuse their customers. abusive and deceptive credit practices by Barclays.
I became XXXX unable to work. After sick and family leave ran out, I still could not return to work and was terminated. I could see that there were going to be problems keeping my mortgage payments up to date, so I called my mortgage to attempt a loan modification at a lower interest rate, which would allow me to continue to afford the payments. A modification was refused by PNC bank. I then made contact with HUD about my problem to find out programs I might be eligible for. HUD made contact with PNC regarding a modification, but PNC refused again. HUD then referred me to a state program called the Florida 's Hardest Hit Fund XXXX FHHF XXXX, a program funded by the mortgage company and bank penalties from the banking crisis. paid to the state of Florida. The program is designed to aid homeowners who have fallen behind in mortgage payments, as a result of a loss of income, in order prevent foreclosure. Additionally, the FHHF would also negotiate with participating mortgage companies for a loan modification. I applied to them and was deemed eligible XX/XX/XXXX. To be eligible for the Florida 's Hardest Hit Program, my bank ( PNC XXXX had to agree to cooperate, receive monies from, and accept the process of the FHHF program. I was told by FHHF that my bank had agreed to participate in this program, as had every major bank in Florida. Although I was deemed eligible for the FHHF and any foreclosure attempts were supposed to be stopped in XX/XX/XXXX, PNC started foreclosure proceedings in XX/XX/XXXX. My advocate at FHHF was surprised by the foreclosure proceedings, but reassured me that there would not be a problem and that PNC knew I was in process with the FHHF program and that there might be a clerical error at PNC. FHHF kept asking me for more paperwork XXXX 's for the same paperwork and documents again and again, which I would provide. I was told by my advocate that that the Florida XXXX was in some way stalling the process. Finally in XX/XX/XXXX, FHHF released funds to PNC of {$18000.00} and since has been paying my monthly mortgage payments. The XXXX has been paying my mortgage since that time, which with the {$18000.00} is a total of {$42000.00}. I have paperwork from FFHF showing that PNC has received these funds, yet does not acknowledge receipt of these monies to me or credit these monies toward the balance owed on my account. Additionally, PNC still is not working with me on a loan modification. I was told that any foreclosure proceedings by PNC should have been stopped once they received money from FHHF. I am getting the run around from PNC. PNC refused to talk with my FHHF advocate or myself saying that the case was in litigation. I have had to hire XXXX attorneys, to fight to save my home from foreclosure. I now have no attorney, but am still being threatened with foreclosure.
Experian is prohibiting me from submitting my disputes online and that is my right to do so. This is illegal. I am demanding to have access to submit my disputes online to remove the fraudulent info on my credit report. The following accounts are fraudulent : 1.XXXX - # XXXX 2. XXXX XXXX XXXX XXXX -- # XXXX 3. XXXX XXXX XXXX  -- - # XXXX 4. XXXX XXXX XXXX -- - # XXXX 5. XXXX XXXX -- - # XXXX  and XXXX 6. XXXX XXXX XXXX -- # XXXX 7. XXXX -- # XXXX 8. XXXX XXXX XXXX - # XXXX and # XXXX.
I never entered into an agreement with this company for any services. I never received any correspondence validating any financial obligation. They are reporting inaccurate information on all three of my credit reports. This company is violating my rights under the Fair Credit Reporting Act.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
I did not get a mortgage loan from XXXX conventional real estate it says the account open XX/XX/XXXX it was a joint account loan for was for {$28000.00} and the last payment was made XX/XX/XXXX. This mortgage company is from the south and I 've never lived in that area or applied for a mortgage loan. Thank you for your time
Dear all, I had a very small amount invested at Coinbase. On XXXX XXXX at XXXX XXXX PST, I 've done a withdrawal from my EURO wallet at Coinbase in the amount of XXXX with the reference number XXXX. Coinbase stated that the money would be in my bank account latest by XXXX XXXX. Almost 10 days have passed and the money did n't arrive yet. 

I 've tried to contact Coinbase via mail already two times, but their e-mail support is under heavy workload, means no answer to my case. I also called their hotline twice, and no one picks the phone - even after 30+ minutes waiting time. 

I 'm really lost in terms of what I could do. One person suggested in a Forum to reach you and ask for help on how to proceed. I hope you can give me any indication regarding what I could do to have my money back. 

Many thanks, XXXX
I have recently filed with the FTC and CFPB that I am a victim of identity-theft and submitted police reports, FTC Affidavit and CFPB Victim 's Complaint documents attesting to the fact. 
I just updated my credit report on XX/XX/2018 and have found a new collection account has been entered on my XXXX credit file from " XXXX XXXX '' representing " XXXX XXXX '' for an amount of {$880.00}. I have never applied or given XXXX XXXX authority to grant any services in my name.
I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX : I have never paid late this account XXXX XXXX XXXX : I have never paid late this account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX ACCOUNT NUMBER XXXX : Unverified account
My information was stolen and I was not alerted until months later. I am upset and am filing a complaint against Equifax! I want information to seek legal assistance, their offer to help me for a year is not enough. My life and finances are compromised due to their mistake.
BANK OF AMERICA XXXX XX/XX/XXXX {$6300.00} XX/XX/XXXX {$6300.00} CHARGE-OFF {$0.00} This account dates back to XXXX and was charged off more than 5 years ago. Yet, it just got reported on XX/XX/XXXX. There is no reason for this being reported now. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance ( see attachment ). This negative entry should be removed immediately. I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX.  Clearly I was the victim of a fraudulent scheme by this company and I would ask that XXXX correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. Thank you.
student loan with XXXX XXXX reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
I have been trying unsuccessfully to submit a dispute to the company for inaccurate information on my report. I have been blocked from filing complaints online via the web portal, I have been blocked from filing email complaints, I have filed via US mail and they are ignored. I called the customer service number on XXXX/XXXX/XXXX to speak to someone about my disputes and was told I had not filed any disputes. I asked to file one and hey said in broken English I would have to mail it in with identification. I am going to provide this agency the disputed info and maybe you can get a response from this company. 
I have two accounts that they have listed on my report that I demand be removed as I proved in court were not mine. I will attach a copy of the dismissal from the company, if I am allowed to attach items. In case number XXXX XXXX XXXX XXXX XXXX XXXX i was sued for the alleged debts listed on my credit report XXXX XXXX XXXX, and XXXX XXXX. I was able to defend against these suits and prove that the accounts were not mine. XXXX was forced to dismiss without prejudice the suit. I also received a letter from XXXX XXXX sowing i did not owe the debt. 

I have contacted the company XXXX XXXX XXXX about this alleged debt that is listed on my report and they have no knowledge of me owing this debt now, and are stating they are not reporting it on my report. When i told this to the agent on the phone they said to mail in a dispute. I have disputed this in the past and asked for method of verification and never received a response. 

I notified this agency, XXXX XXXX, and the XXXX via a complaint that these were fraudulent accounts and have not received a response from anyone on these two accounts. I spoke to the store and they admitted to me that there was fraud but claim that they can not do anything about the entries on my credit report. the credit reporting agency refuses to allow a dispute This company goes out of there way to make it impossible for a person who is the victim of theirs to get a resolution to a dispute. They have blocked me from filing disputes, and say its for my own protection that i can not see my credit report, that is of course unless i buy there service then i can see everything online.