WillisBack/dataset-financial-user-claim huggingface dataset:
I leased a vehicle from Kia Motors and shortly after that I got married and changed my name. I 've attempted to update my name with Kia Motors since XX/XX/XXXX and have not had any success. 

As of XX/XX/XXXXI moved from XXXX ( where I originally signed the lease ) to XXXX. The XXXX DOT requires that I register my leased vehicle within 90 days of moving. 

At the XXXX DMV they are requesting formal communication from Kia Motors about my name change and also about sales taxes that were paid in XXXX. 

Because Kia Motors is not responding to my request for a name change and has not submitted the proof of tax payment from my lease, I am unable to register my vehicle. 

At the end of XX/XX/XXXX my vehicle registration from XXXX will expire and I will be unable to drive my vehicle legally since the XXXX DOT does not want to use my marriage license as proof of name change. 

I 've attempted to contact Kia Motors about my name change multiple times, and have reached multiple different consumer affair specialists in the last few days. They have yet to process my request of name change and to submit the information to XXXX DOT.
On XXXX XXXX 2016 at the end of the business day. I had {$2.00} in my bank account. Nothing was pending on XXXX XXXX 2016 I deposited {$80.00} period on XXXX XXXX XXXX that evening I withdrew {$20.00} two different times. There 's a {$2.00} charge per withdrawal from each provider my bank and the ATM. That is a total of {$10.00} with the XXXX that is a total of {$50.00} that took my balance from {$82.00} down to {$32.00} which is what my balance was on XXXX XXXX 2016 when I woke up. I put {$10.00} and gas taking me down to {$22.00} in my balance. I withdrew {$20.00} from a XXXX ATM which is a fee free ATM that took me down to {$2.00} balance at roughly XXXX. on XXXX XXXX the same day. I deposited another {$80.00}. On XXXX XXXX 2016 I open up my ( remembering that each of those {$80.00} deposits XXXX of them to be exact. Were deposited at XXXX separate branch locations. The first {$80.00} deposit was that the mall branch in XXXX West Virginia. The second {$80.00} deposit which was on XX/XX/2016, was at the XXXX downtown branch. ) U app by BB & T to find that they returned XXXX of the ATM fees and charge me {$36.00} so where did {$20.00} go?
From XXXX XXXX to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.
Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, XXXX, XXXX and experian to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX
Credit card company informed me that the cash advance APR would be increased from 19.49 % to 25.24 % effective XXXX XXXX, 2016. How do they get to raise their interest rates so high? The majority of banks barely pay the consumer 1 % on savings or checking accounts. It is outrageous that they can charge such an exorbitant fee and yet pay the consumer an interest rate that is dreadfully low.
Good Evening ; I was shocked when I reviewed my credit report and found late payment on the dates below : I make my payments on a monthly basis directly from my bank account. I'm confused how it showing late for the dates below .... 

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have a loan through TD auto finance. I have fallen behind on my car loan with them. I have tried to work arrangements out with them to try to catch up in installments to prevent collection calls but they are refusing to work with me. What is worse they are consistently calling my parents house where I do not live and my parents are not on the loan. I have requested that they stop calling them since I do not live there and they have no part in this loan. The company refused and said they would not remove their number or stop calling them until I brought the loan current.
I have gone through the online process three times since Equifax launched the page offering consumers Identity Theft protection as a result of THEIR breach and have yet to receive the activation email. 

I have also called Equifax twice and was told twice that they would call XXXX to request they send me email including calling them today to get bounced to three different people and the last guy I was transferred to kept asking me over and over and over again what site I was using to enroll after telling him over and over and over again that I was going through Equifax 's home page. 

Clearly Equifax has not resolved the issues with getting this matter resolved so consumers can sign up for Identity theft protection for the breach in their systems and since my credit score with Equifax is XXXX!. according to XXXX XXXX, there is  no doubt some sort of fraud on my Equifax Credit report because I have no legitimate accounts there are negative or unpaid, and yet NO WAY To ACCESS my Equifax Credit Report because they have n't sent me the bloody activation email and the customer service reps answering the phones clearly have no clue what they 're doing either.
My home was robbed in XXXX when my Mortgage company was XXXX XXXX. I replaced all of the items in my home per my agreement with XXXX. An insurance check was sent to XXXX reimbursing me for all funds spent which was over {$11000.00} dollars. XXXX was evacuated due to the California wildfires so my check was never processed. XXXX sold my mortgage to XXXX XXXX without my knowledge. XXXX XXXX  received the insurance funds. Midland was to apply the insurance funds to the arrears since the inspection is complete and all paperwork has been provided. However, I am being threatened with foreclosure still and they have not applied the funds. I am being referred to foreclosure today XX/XX/2018 even though HUD has told them not to put me into foreclosure. The funds have still not been applied and they have still continued to charge me late fees.
On XXXX XXXX of 2015, I sent XXXX XXXX dollars to a friend of mine in XXXX ; that same day he tried to get the money, but was unable to get the money because they said that he needed to fax his picture ID, and when he tried to do so, they told him that the fax number was not correct. He was unable to get the money, then he tried again the following day but still he was n't able to get the money. On Wednesday I called Western Union and asked for my money back, they kept transferring me to a different person and later hung up on me. On XXXX XXXX I went to the place that represents Western Union and told me that my routing number did not exist.
I had a medical account from an ER visit. I am covered under the VA but the VA never paid, but I did not find out until I was checking my credit report. I paid it immediately with the intention of having the VA reimburse me. The collection company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA told me they would remove the submission to ALL credit bureaus on XXXX/XXXX/2015. They also send me a letter to confirm that this was paid in full. But Experian keeps reinserting it and I have sent them proof. I call XXXX XXXX and they tell me that they have removed it from all XXXX bureaus, I call Experian and they say no that they keep receiving it for submission. I WANT IT REMOVED, IT IS PAID IN FULL!
I received an alert yesterday ( XX/XX/2019 ) of a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX from Equifax. I have not been an XXXX XXXX XXXX customer for years now so I inquired. There were no unpaid charges to my old account. However yesterday my credit was ran by XXXX XXXX XXXX an someone that had my SSN, DOB and address in Connecticut was allowed to open an XXXX XXXX XXXX account with " three lines '' in XXXX, Puerto Rico according to XXXX XXXX XXXX. They supposedly froze the account but were suppose to email me confirmation of all of this and after 17 separate times in the last 48 hours of me trying to contact the XXXX XXXX XXXX fraud department ( XXXX XXXX ) I continue to get hung up on and still have yet to receive confirmation that my identity is once again secure or that any action has been taken against the individuals who have stolen it and I have no idea how far this is going to effect me. I filed a consumer protection alert with XXXX and supposedly this will be forwarded to the other credit bureaus but I have yet to receive any confirmation from them either.
XX/XX/XXXX I got divorced in XXXX, OR I have never remarried and as of XX/XX/XXXX I am still associated with my ex husband social and address. I have attempted to have the information corrected over the past 15 years and I never see changes and I give up. Not this time. 

Another address was only a holding address while I moved I need it removed and all the credit bureaus report it. 

I have a judgement that I never received any information on and now I am not able to rent an apartment because of the judgement. I would like more information on suing the apartment complex for this lien. 

Federal Trade commission needs to reform the Credit Bureaus because data is not updated and people are done being XXXX by these reports.
I have in my credit twice for a loan for {$480.00} for Midwest Recovery Systems and XXXX and will need notice to remove this from my credit
The collection company keeps calling my work talking to my school secretary. They called me, my daughter and my sister. The message they tell them all is that they are preparing a deposition aginst me for legal action for attorney record and civil complaint in accordance with Texas law. They say they are from North Western Mediation.
Bank of America is not taking adequate steps to protect the security of my account and is improperly assessing overdraft fees. On XXXX XXXX, a charge of {$7.00} was made to my checking account, a charge that I did not authorize. The statement said that the charge was made to a " XXXX XXXX '', a person I do not know and do not recognize a business relationship with. 
I went to the nearest Bank of America branch in order to dispute this charge. The person I spoke to at Bank of America called another department at Bank of America about the charge. The person on the other end of the line claimed that it was a charge from XXXX XXXX. I was told that I would not be allowed to dispute the charge because " XXXX would n't lie '' and that I would need to call them regarding the charge. I was also told that Bank of America would not reverse the overdraft fee regardless of whether or not they believed the charge was false. 
I do have service through XXXX, but when I called them afterwards they confirmed that any charges to my XXXX account would not be charged directly to my checking account, and that the XXXX charge was not their doing. 
Even if this charge was legitimate, I do not believe Bank of America should have authorized it. I have opened a bank account elsewhere, as my relationship with Bank of America has deteriorated beyond all repair due to another issue I am having with them. I am keeping my account open with Bank of America for the sole purpose of receiving my direct deposit checks, and as soon as the change is processed will be closing my account at Bank of America. I am keeping a low balance in my account and not even using my debit card. There was no other activity on my account on XXXX XXXX, and I had about {$2.00} in the account at the beginning of the day. Even is this were a legitimate charge, it should not have been paid to begin with, as there was not enough money in the account to cover it.
this company has been calling me 3 times a day. I am not well and have not answered the phone. They then have been calling my mother, whom I have asked them twice not to contact again since she is old and ailing. They continue to contact her.
I made a payment of the incorrect amount to Ford motor credit, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!
We 've been a member almost a year, paying XXXX each month. We were able to get the first three monthly reports but have been either Unable to get a report, or no other correspondence since then. 
We called XXXX Several Times and were either hung up on, or " Mysteriously '' got disconected. It definitely seems that they are avoiding contact and responsibility that we 've agreed to. My name is XXXX XXXX @ ( XXXX ) XXXX. Or you may call my wife, XXXX XXXX, @ ( XXXX ) XXXX XXXX.
XXXX is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.
It is being reported on my credit report as an " open '' collection. This has been filed and discharged under bankruptcy in XX/XX/2014.
I was in XXXX XXXX XX/XX/XXXX. After losing a substantial amount of money, I needed money for food, living, etc., as I had three more days in XXXX. XXXX. I got a total of {$500.00} from the Dollar Loan Center. I was involved in a car accident and did n't have any insurance. As a result of this incidence which happened on Saturday, XX/XX/2017, it 's causing me financial hardship and overall anguish. I had financial hardship prior to this event or I would n't taken out a loan with 900 % interest. I called the Dollar Loan Center in XXXX XXXX XXXX on Monday, XX/XX/2017 and stated I have a hardship. Would they please take away the 900 % interest and let me pay the principal. They called me back today stating they could n't accommodate me. The interest would still be going at {$4.00} per day. I was in dire need when I took out this loan and not in a healthy state of mind. It 's companies like these that prey on other 's financial distress. If having an automobile accident which is causing me a great financial hardship does n't designate a hardship, what does?
In XX/XX/XXXX I was charged XXXX euros for no reason by Coinbase
I have had student loans through sallie mae sold multiple times and now handled by Navient. Have been out of college 15 years and still have a large balance. These should have been paid off by now. When I try to contact Navient i get nowhere. 
I want to know how to get a history on my repayment and why this is not close to being done. 
Thanks you, XXXX XXXX
On several accounts they were listed but were not correct from the original creditors who filed inaccurate and duplicate information. Sometimes up to XXXX different times. Penal codes were not followed by the credit reporting agencies as well as the federal laws. These items need to be taken off per CA law of a 3 yr statue. Penal code 1748.10 and Federal Law FCRA 62 ( a ) ( 5 ) ca ( iii ). Some of the items were not mine but the creditor insisted they were mine. Gave an address that was not mine as well. I have lived in the same house for 22 yrs.
I have been dealing with   XXXX   XXXX   XXXX   (   XXXX   XXXX   ) for over two years now but my ability to continue full time work is now questionable. My daughter obtained   XXXX   student loans in the total amount of {$42000.00} dollars, in which I was the co-signer, to attend the   XXXX   XXXX   XXXX   XXXX  . When her loans became due, the monthly payment was {$600.00} dollars. An amount that she was unable to afford! I as the co-signer, assumed the responsibility to repay the loans and have managed to pay half of the total amount.
In dealing with my  XXXX , I contacted the loan company " Navient '' to try and refinance the loans for the newer amount as to lower the monthly payment so my daughter could afford to make the payments. Navient was uncooperative and made excuses that the loans were in an amount that could not be lowered and were not adjustable even in regards to my medical condition!
They have also created false statements in regards to my bank not allowing payments online thus making my monthly payments late to collect late fee 's!!!!!!!
Navient is by far the worst company I have dealt with!!!!!!!!!!
Someone fraudulently accessed my identity and opened XXXX credit cards using my name but an address I have never been to or resided. I subsequently contacted the credit card companies and closed the accounts. I also put a 90 day fraud alert on my information. 
I have tried every channel that I can find, both via phone and finding an email address to remove improper addresses and inquiries resulting in fraud using my identity. 
Can you provide me with the phone numbers or email addresses that I can communicate with the XXXX credit bureaus to inform them of this and have them remove this data that should not appear on my credit reports. 
XXXX XXXX
I have sent XXXX of XXXX NC several certified letters to have this resolved and i have also wen in person and made several calls, but no one has ever 
esponded to anything have tried to do. I see on my credit report that this account is listed as open with a balance and to be honest the car was a lemon and i had to have several repairs on the car i was told if i just give it back we will call if even. but i see now that they are reporting incorrect information and i have tried for years and so many time to get this fixed they wont call back or even write a letter back i see that someone signed for the letter of dispute. I really need help this is unfair i have reached out to your company for help before but i have not or maybe don't understand what's going on. Please help me i have tried so hard to get this fixed. 
Thanks so very much signed a person being honest and trying to fix the wrong that has been done to me
The office of Richard Sokoloff in XXXX NY has been sending me threatening letters for months. As per their instruction, I have called over 25 times and left 16 voicemails to dispute their false claim ; no one has EVER returned my call. I have already settled this debt with my insurance and the hospital as there was an error on their end to begin with. Yet Richard Sokoloff and his office have yet to cease sending me threatening letters. I have a spotless credit report and rating. Such harassment should not ever be tolerated. He should be disbarred.
Equifax is reporting a hard inquiry on my report because XXXX XXXX XXXX has purchased XXXX XXXX. The representative asked me if I was interested in cable I said sure as long as you dont run my credit for a hard inquiry, the representative had already checked my credit for internet service. So I didnt want my credit being ran for cable I thought since they checked it for internet it was already set. I called and talked to a XXXX XXXX XXXX representative they assured me that they would handle the issue but nothing has happened.So now I have XXXX XXXX XXXX and XXXX XXXX as hard inquires on my Equifax report.
A few months again I asked enhanced recovery to verify these are indeed my 2 cell phone bills. I still have n't received anything. They wanted to collect money! I told them I do n't recognize this debt or owe any money to this creditor.
On XX/XX/2017, I discovered a {$160.00} fraudulent charge on my Bank of the West checking account. I had authorized a {$20.00} copay charge and the doctor 's office instead charged {$160.00}. I called Bank of the West that same afternoon and told them I wanted to report the fraud. The csr said she would mail and email the dispute form. After waiting 4 days with no response, I sent an email to their customer service dept. The response said I should just type out my complaint with all of the pertinant information and my signature. I faxed it to the number listed. Today is the XX/XX/XXXX and I still have not been contacted by the bank, nor has the money been credited back to my account. I have done this same procedure with another bank when my card was stolen and I was credited immediately and the issue was resolved with one phone call.
I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling Synchrony bank - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, XXXX XXXX XXXX, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.
Since XXXX of XXXX, I have paid my credit card statement the same way every billing cycle with no Late Fees but on XXXX XXXX, XXXX when I checked my account on line and found a Late Fee of {$25.00}, I called Synchrony Bank and they told me that the statement which was posted on XXXX XXXX, XXXX was due on XXXX XXXX, XXXX. I told the lady there was no way this could be true. It was posted on the XXXX, I paid it on the XXXX and it could not be due on the XXXX of the same month. I asked to speak to her supervisor and she told me the same thing. After all, they did remove the late fee. Things went on as normal until the following Monday which was XXXX/XXXX/XXXX. My statement for XXXX had been posted but I was charged a Service Charge of {$28.00}. I called Synchrony Bank again to find out what the charges were for and learned they were for purchases after XXXX/XXXX/XXXX which did n't make sense since I had paid the bill in full on the XXXX. This time I had spoken to a man which was very nice and I proceeded to tell him the things that had happened the previous Monday. He said he could transfer me to an Account Manager and maybe he could help me. I spoke with XXXX and told him everything that happened and he said that when I made the payment the same day as the statement was posted that it was applied to the previous month which caused me to have a Late Fee and service charges the next day for purchases. I had been a customer of Synchrony Bank since XXXX but had never been told that when payments were posted that I could not make a payment the same day otherwise it would be posted for the prior month. This is such an unfair practice and I had never been told that before so I proceeded to tell him that I would pay the balance in full and would close the account since I believed their " way of conducting business '' was wrong if not illegal. At this point I had accrued {$210.00} of rebate for XXXX. When I closed the account on XXXX/XXXX/XXXX, I was told that I would NOT be reimbursed the {$210.00} of accurued rebate. I told them that this is wrong and I do n't know how they can legally do that. The rebate was accrued in XXXX and had nothing to do with XXXX. I have been treated like a criminal when I was only a good customer from the time I became a customer of Synchrony Bank. I could not have been treated more unfairly. Someone needs to do something about this. I do believe this is illegal. I do n't know if this will affect my credit but I think if there is anything they can do to damage me they will do it. I do n't trust them else I would not have closed the account.