WillisBack/dataset-financial-user-claim huggingface dataset:
A derogatory item has appeared on my credit report with all major bureaus. It says it is for XXXX XXXX XXXX, but is being collected by an agency in Delaware. I have received no bills or written communications about such a bill being due or owed, let alone late or turned over to collections. 

Thus, they are simply reporting this to the credit bureaus, damaging my credit scores by over 100 points for a {$610.00} bill that I have never received.
On XX/XX/2018 I received a phone call from a company called Gatestone in XXXX. I have never heard of them nor do I owe them any money. I want no further communication from them in any form. They deceptively use phone numbers with an area code that appears to be the same area code as the phone number you are using. Gatestone  is engaging in deceptive debt collection practices in flagrant violation of the Fair Debt Collection Practices Act. They misrepresent who they are and are deceptive. They repeatedly asked for my address when I told them I wasn't going to provide anything to someone who is being deceptive.
On XX/XX/2015, I went to XXXX in order to get a loan to re-finance my car loan with GM Financial. I was assisted by member representative, XXXX XXXX, who contacted GM Financial and obtained a loan pay off amount of {$13000.00} for my Loan # XXXX. GM Financial said that the payoff was valid up to XX/XX/2015. On XX/XX/2015, XXXX send a Treasurer 's Check in that amount to GM Financial and also requested that the title of the vehicle be mailed to them immediately ( see attached ). 
On XX/XX/2015, I received a statement from GM Financial showing a {$0.00} amount due ( see attached ). 
On or about XX/XX/2015, I received a payment reminder email from GM Financial. I reply back indicating that my account was paid off XX/XX/XXXX and I also asked whether I 'd received this email in error, but I received no response ( see attached ). 
XX/XX/2015, I received a phone call from XXXX asking whether GM Financial had mailed the car title directly to me. I contacted GM Financial and they told me they had not because they were waiting for the full payment on the car. I contacted XXXX again who confirmed that they had paid off the car ( see attached ). 
I visited a XXXX branch on XX/XX/XXXX and was assisted with the assistant branch manager, XXXX XXXX ( see attached ), who contacted GM Financial herself. It was only at this time that we learned that the original payoff XX/XX/2015 was in correct and that there was still a balance of {$330.00} due on the account. 
When this became known to me, I immediately made the payment to GM Financial ; and the company sent me a satisfied pay off letter on XX/XX/2015 ( see attached ). 
I was surprised to learn though that although I had paid off the account in full on XX/XX/2015, GM reported this as being 30 days late ( see attached ). 
As a result of this delinquent reporting, my credit score has dropped significantly and I have been unable to obtain credit from any financial institutions.
theres a inquiry for XXXX XXXX on my credit report, i did not authorize the use of my social security to this company nor I interested in this company.
A representative from Southwest Recovery Services ( XXXX ) attempted to contact my spouse repeatedly over an alleged contractual debt for martial arts classes from XXXX XXXX XXXX ( XXXX, Texas ). I called SRS to inquire and was told my Spouse owed {$840.00} for cancelling her agreement with XXXX. I asked them to mail me a copy of any contracts or agreements signed by my spouse and they refused, they then said they would email me the agreements in 5 minutes which they failed to do even hours later. Additionally, I said that I was questioning the validity of the debt and the Representative from SRS said that I couldn't do that and owed the debt on behalf of my spouse. I was told that if I didn't pay the debt they would ruin my credit by reporting to the agencies and they had my social security number. They did know the last 4 digits of my social ... I asked how they got my social and they would not tell me, I didn't give it to them and neither did my wife. I asked them repeatedly to tell me where they got my social security number and they got very defensive. I said I would report them to CFPB and they hung up on me. This really concerns me that a XXXX XXXX agency can ascertain a private citizens SSN without consent. I am really worried that if I don't just may them {$840.00} immediately they will report negative information to the agencies. I don't know what to do.
On XX/XX/XXXX my paycheck was supposed to be deposited to my checking acccount by my employer but it was not due to an error on their part. I discovered my account was overdrawn on XX/XX/XXXX. I called my employer and they admitted to their error and promised to deposit the check to my savings acct on XX/XX/XXXX.My employer will not work with me concerning the overdraft fees. I called my local TD bank and told them my employer caused the overdraft of {$420.00}. The TD bank rep said it was my fault and would not work with me in reducing these fees. I am a single mom working for a temporary agency after losing my job in XX/XX/XXXX. Recently, I was out of work for over a month recovering from a XXXX XXXX and XXXX XXXX. I did not get paid for this time off. I am back to work now and struggling to catch up. This error caused me a very big setback and will not be able to pay back this {$420.00} in a short time. I would like to have the fees waived or reduced to half amount. Thank you.
I have repeatedly asked for an update to credit report with all  XXXX  credit bureaus in regards to   XXXX   reporting on my credit report. It is now   XXXX   2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have  XXXX    XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.   XXXX   sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????
I have been doin searches for the Bank of America and XXXX XXXX for the last year and a half since they stole my home and caused my kids and I to be homeless. They took over XXXX in equity that i had In my house, which i lived in since XXXX. 
They violated every part of the XXXX XXXX XXXX there is to violate. They lied, forged documents, stopped responding to me, led me to believe they were going to help me, never provided any viable solutions by keeping me in the dark until finally, while under the guise of reviewing documents that they said they never got, auctioned my home in XXXX XXXX. 
Sound familiar???? It should because last XXXX, the CFPB sued them for this exact situation and recovered XXXX XXXX dollars as a result of these corrupt and common practices. 
So I ca n't hire a lawyer because they left me penniless and homeless. They were able to sell my house at auction within a minute of it going on the auction block. Sound fishy? Of course it does. They did n't even have the right paperwork for the deed. Everything was falsified. 
They were outside of the legal time allowed to go after us for the Debt. They did not ever even attempt to contact my ex husband who was on the title to the loan and the seed, at any point in time. 
They were guilty of dual tracking, falsifying documents, false signatures, robo signing, assigning me to XXXX point of contact, etc. The list goes on. 
What happens with the money that was won in this lawsuit? Do I get any of it? Can u get what is due to me from the equity I had in my home? I lost EVERYTHING in the house. All of my pictures, XXXX in antiques and furniture, tools, kitchen items, clothes for All of us, documents, files, paperwork, etc. I do n't think I am asking for anything outside of what was mine. 
If I did this in a store, I would go to jail. You can not take what is not yours to take. You can not falsify information, to suit your cause or intention, to acquire possessions. It is wrong on so many levels and has to be illegal. 
The CFPB 's job is to protect the consumer. My question is this. When the CFPB collects money from a company that has taken illegal and wrongful action on individuals who were directly affected by such wrongdoing, where does thst money go???? Whos hands does that go to? Please help me to understand how and why this can happen in our country. And help me to undestand when a company has to pay money, based on people 's financial demise and solely on evidence and factual data proven by a judge who has determined that the accusations are In fact valid and can not be argued, then how is my share of that money, that I feel I am entitled to, going to end up back in my hands? Will it ever? Thank you for your time.
I have been trying to resolve this matter with Santander since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.
I have disputed inaccurate information with MID MICH and XXXX for 3 months regarding accounts that are not mine. 

Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXXXXXX XXXX Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX
I have filed a complaint before about Nationstar Mortgage. Those issues have n't been resolved, but this is about a related one. It is not a complaint as such. I had n't received a monthly statement for some time from them and have been sending my payments nonetheless certified mail based on the monthly amount from their correspondence. They have sent me email information but I ca n't access it. They said it was because I did n't have XXXX, and I am sure my computer is not very up to date. I do n't use computers that much ( though I could access your information from my previous complaints, so I am not sure what 's what ). I had a computer expert look at this and he said that the file they sent is corrupted ( not sure what that means ). They also sent other emails which have a " no reply '' feature on them so I ca n't do much with that. I am leery of doing financial transactions online because I have had important data stolen in the past ( this may be due, again, to my low-grade computer technology ). To complicate matters, I have a law suit against the XXXX XXXX and I have had my delivery suspended. When I do get mail I invariably do n't get certain pieces. I believe I am getting all my mail now but I am not sure. I am very concerned about the information Nationstar sent me because for many months I was getting different amounts to pay from different sectors of their company. And my escrow account was being changed almost monthly. I made a request a while ago to be able to see the data they use to make their computations. But I have gotten no response to that. I have {$25000.00} in savings and can document it. So I am not a person that 's trying to get out of payments. And I have excellent credit and do n't want it impacted. I am using a new email so that maybe I can avoid these technical issues.
Purchase Date : XX/XX/17 Merchant : XXXX XXXX Amount : {$62.00} Dispute originally filed with credit card company in a timely manner. This complaint originally filed with CFPB case XXXX, Capital One has already been provided with sufficient proof that the merchandise was returned to the merchant with the XXXX tracking information. However, most recently, Capital One claims they need additional time to resolve a rather simple, minimal billing dispute. The incompetent merchant is claiming they sent a merchandise credit instead of CREDITING THE ORIGINAL METHOD OF PAYMENT. This seems to make no sense whatsoever, in fact, why would a merchant send a merchandise credit instead of crediting the customer with the original payment method, I never requested this, nor, did I benefit from any merchandise credit.
Yes I borrowed {$600.00} and had to make 12 payments of XXXX every other week on my payday which they automatic took from my checking account. I made the last payment of XX/XX/XXXX. I missed 1 payment in XXXX because I was out sick and did not draw a full check so the payment was returned but the payments resumed after that one missed payment. I called on XX/XX/XXXX to try and pay the final balance and they told me I owe them over XXXX dollars. I asked them how and I only had 1 payment left plus the missed payment. They told me they are charging me over XXXX a day on the missed payment. The final payment came out on XX/XX/XXXX now the are saying I owe them over XXXX because of 1 missed payment. I have already given them XXXX. I think it is a shame they are trying to collect almost XXXX for 1 missed payment of XXXX. I will like to report this to someone and make people aware of what they do to people.
I was charged hundreds in overdraft fees. The order in which the transactions would go through were manipulated in a way to where I would be charged fees when I should n't have been.
SUBJECT : American Express Blue Cash Everyday credit card payment processing/ misrepresented due date/ delay in posting/ late fee and possible erroneous credit reporting consequences. Electronic payments by my bank are not posted when received by American Express, but delayed by 2-3 days. This means that the DUE DATE is not the due date shown on the statement, but a couple of days earlier unless and only if paid on their website. This forces the consumer to pay at least 4-5 days early to be assured of timely payment, even if EFT. THERE IS NO LEGAL EXPLANATION FOR THIS, that is just how it is, as explained by them. So, my payment is recorded when it is convenient for them instead of when funded in their bank, leaving the consumer at risk of unwarranted late fees and possible credit problems. On the day this account was opened, applicant had a FICO score of XXXX. This will be monitored for deterioration that may occur due to AMEX bad practice and included as an additional complaint if true.
In XXXX XXXX I ended a lease with XXXX XXXX and purchased the vehicle with a loan from Chase Auto Finance. At the time I was living in XXXX, and in XXXX of XXXX we moved back to XXXX. Once I moved I started getting documents from Chase, sent in XXXX overnight envelopes, stating that I owed over {$2000.00} in DMV fees to XXXX, with no real explanation as to why. 
After months of repeated attempts to contact Chase to get answers, I sent a letter in XXXX XXXX stating I needed a clear timeline and schedule of events, assessments, and payments so I can clearly understand what they were stating I owed and why. I stated that if I did not receive a resolution I would be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to review the situation. 
Once I sent my letter the case was escalated to a manager within Chase, XXXX XXXX. XXXX XXXX promptly called me and stated the previous Customer Service agent made some mistakes and that Chase would cover the balance owed and she would personally support the case. I thought everything was handled until I received a packet from the XXXX DMV stating that they were sent an incomplete application and the title " needs a company stamp or name with counter signature on section XXXX of the certificate of title ''. 

Not knowing what this means or what to do, I called XXXX XXXX four times over 2 months, each timing leaving her a detailed voicemail, with no response. I called Customer Service multiple times and they were friendly, but unable to understand the issue or what to do. On XXXX XXXX, XXXX I spoke with a customer service agent who was able to reach XXXX XXXX via internal Instant Messaging while I was on the phone, and XXXX XXXX still refused to take my call. But she did agree to let me email her the information I received from the XXXX DMV. 

After reviewing the information, XXXX XXXX emailed me to say this needed to go to XXXX XXXX for a signature. I emailed her multiple times, we spoke on the phone, and I made it very clear that Chase needed to tell me WHO at XXXX could help ( I did n't want to send it to a generic address where their Customer Service team would n't know what to do with it either ). I still did not understand why Chase did n't handle this back in XXXX XXXX, and XXXX stated she did n't know why either, but that I needed to send it to XXXX. 
Unfortunately she sent me a XXXX envelope with a generic address to XXXX Financing, and when I sent them my title packet from the XXXX DMV with a letter explaining that I needed their signature, they sent it back to me unchanged with no letter of explanation. 

At this point I have had a loan with Chase for 16 months and still no operating title, which is a huge issue. It is imperative for Chase, the state of XXXX, and myself to have a proper title. It also seems clear that Chase will only communicate with me seriously on this matter if I threaten to escalate to you, the CFPB. That however, has also stopped working, which is why I 'm now filing this complaint. Please help!
Hello, I feel I am a victim of fraudulent charges and/or identity theft. First, there were fraudulent charges made using my debit card. Then, someone accessed my banking information and changed my username, address, and email. Next, there were fraudulent charges made on my credit card. I spoke with representative from my bank and claims department. They are currently reviewing the credit card charges. I believe this person has also set up an online presence through a social media site called XXXX and used my username with my favorite number attached to it. I 'm very concerned this person has access to all of my banking information. All of my credit cards are on hold at the moment. I need to protect my identity and credit so this person does n't move further and use more of my information. Again, I 'm very concerned and would like to monitor my credit. Thank you.
transunion, has 2 inquiries on my credit report without my permission. transunion has not answered my letter requesting method of verification. XXXX XXXX and XXXX. transunion only tells me the information was verified and then sends me nothing else after 45 days has expired. the are in violation of FCRA, and still have not send me anything
To whom this may concern, I 've been trying to resolve XX/XX/XXXX XX/XX/XXXX the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account.

The Credit Bureau ( Experian, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
Account was settled and closed from XXXX XXXX. however, Experian is refusing to remove it from my credit report nor XXXX XXXX is unable to locate my account ... additionally, XXXX XXXX lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected.
XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
This bank is run by a bunch of XXXX. I opened this account back in XX/XX/XXXXand was supposed to receive an account opening bonus. I met all the requirements for that bonus way back and this lousy bank has not credited me that bonus. Every time I call these lying XXXX, they blame the previous agent for not doing the job properly and tell me some more lies that they have done it right and my issue will be resolved within a certain amount of days. Of course nothing happens and I call back and the whole thing repeats itself. May be filing this complaint will get these XXXX  to do the right thing. Please keep this complaint on their public record. Here are some of the case numbers I was given by these lying XXXX.. and each one of this call means an hour wasted listening to their repeated lies XXXX from XX/XX/XXXXThere was another really arrogant supervisor in XX/XX/XXXXwho said the bonus will be there by XX/XX/XXXXsomething and that I was bothering them for no reason. Ref XXXX from XX/XX/XXXX, wasted more than an hour and no results Ref XXXX from XX/XX/XXXX. Another hour wasted with XXXX XXXX. I have many more of these XXXX case numbers these XXXX gave me but I do n't want to waste any more time putting it together for them. <P/>Will you please shut this lying piece of XXXX bank? <P/>thanks
Midland funding has been harassing me for years on a debt that they keep chasing me about in the amount of almost XXXX dollars. I thought I had owed some money through a pay pal account that I had but never in that amount at all. I have had to change jobs because they have contacted my employer and HR department embarrassing me at the work place. They kept harassing me and had a marshal serve papers to my employer and garnish wages of 10 % of my earnings. I live check to check and can not afford to keep going through this. It ' is a shame that they would Bullie me in to paying such a debt that in that amount that I do not owe! They keep harassing me for years. I do not owe that much money also including the amounts they have taken from me in this amount of time. The amount never seems to go down and they are ruining my credit score tremendously. Please help.