WillisBack/dataset-financial-user-claim huggingface dataset:
Hi there, At the moment to signed the lease with XXXX XXXX  City by XX/XX/XXXX - I wanted to make sure there was not hidden fees, reason for which I asked about the other charges for the amount of XXXX $ that appear in the contract to the sales person who explained me that amount will be charge if vehicle shows excessive wear and tear. He explained me that they will have to reconditioned the car in order to sale the vehicle. I believe him and decided to sign the lease. Of course, I also checked online what the term Disposition fee  means. 

After I received the bill for {$380.00} I spoke with somebody at Toyota and they suggested me to write a letter to Toyota Financial which I did and sent out on XX/XX/XXXX. Today I have been contacted by them saying I have to pay that amount because that amount is a fee that they pay to transfer title to an auction? I do not know why I have to pay a fee to transfer the car to an auction dealer. 

My lease ended on XX/XX/XXXX same day I gave back the car and make sure car was completely clean, polish like they supposed to receive it in order to dont get charge that amount. My mileage was law and car was in excellent condition. I am attaching pictures and documents together.
I disputed a submission by XXXX on XXXX XXXX, 2016 with the attached documentation needed to support the removal, which was a letter from XXXX submited as a part of a previous complaint with the CFPB, that stated that ALL collection efforts that were attached to my social security number would be removed from my credit report. This was not my first instance requesting that items posted by XXXX be removed from my credit report and providing the legally binding documentation, since XXXX has not abided by it 's written statement and removed listings from my credit report. In the previous instances, with dispute number XXXX and XXXX, Equifax has expeditiously removed these based on the documentation given. However, for dispute number XXXX, Equifax only attempted to verify the debt ( See XXXX Attachment ) this time instead of doing as XXXX promised in their written document of the CFPB complaint, which was to remove all credit report listings associated with my social security number. I contacted Equifax about the issue and attempted to explain that XXXX made a legally binding promise, in writing to remove any and all listings from my credit report. I was told that a new dispute would be created, number XXXX, however, I was not notified of the outcome of this dispute although it appears to be closed. I then called for a second time about the issue and a new dispute was created, however, it is showing that this will be resolved on XXXX XXXX. This extended period of time is not needed to resolve an issue that was previously done on two occasions in two days with adequate documentation ( See Equifax Dispute Attachment ) This has been highly frustrating due to the fact that verification was not asked for but rather that Equifax do as they have done before and hold XXXX to their legally binding statement to remove all listings from my credit report. Equifax should do what is right and what has been done in the past and remove the listing as is required and promised by XXXX own statement in the attached document. As a consumer, I feel that I am being taken advantage of and that XXXX is not being held to their written statements. ( See Response Letter from XXXX attachment on third page, first paragraph for XXXX promise to remove all listings associated with my social security number )
One Main Financial drafted me a loan without disbursement to all creditors. They never notified me and continued to collected payment and interest in funds never disbursed to me or creditors. Upon finding this they held the funds to convince me to make a full payment in exchange for those funds back. I notified One Main also known as springleaf Financial in written form and verbally not to call my place business. After which I received 9 phone calls from the branch manager. My rights have been violated with these calls and interest charges above what I received. I am requesting the XXXX dollars in violation and interest charges in funds not disbursed be credited to my loan. Today they repossessed my vehicle. I am requesting the vehicle be returned along with the title.
I have excellent credit and no late payments/debts but was called repeatedly by Dynamic Recovery Solutions number ( XXXX ) XXXX.
I have a judgement against my ex husband on XXXX bills that still show on my credit score. How can I get this off my credit score and on his???
XXXX compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. 

I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. 

Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!
This is regarding the mortgage account at  CapitalOne 360  Mortgage where I have seen erroneous fees charged to the account, a payment in suspense account not being applied to anything, and utter confusion as to how this mortgage account has been handled, since the loan modification was done in   XXXX  . I have attached a detailed summary from   XXXX   to Present showing the fees/charges with no explanation as to what is being charged for. In addition, the mortgage balance has not decreased in spite of payments being made on time for the past 6 months, since the modification was completed. I am really at a loss for an explanation from  CapitalOne as to what is the status of this account and the account manager, who is listed   as a point of contact has never contacted me via phone to explain for this account. I have left several messages for her to reach out to me yet no response.
I honestly do not know what this company is calling my mother for, in regards to me. I returned a call to XXXX and when I was connected to extension XXXX to a XXXX, all he asked what was my location. When I asked XXXX XXXX what this was in regards to because I was searching online for some information on XXXX and Associates, and I could not find anything. XXXX XXXX then became very irate and said that it was irrelevant, and If I wanted to make this hard or easy. I then told XXXX XXXX, that 's just it sir, make what hard or easy? I am just trying to see why you all keep harassing my mother. He then yelled very loudly to serve you papers, or something of that sort. and I said, papers for what I do n't think I 've done anything wrong. He then became very angry and proceeded to hang up on me, but before the phone hung up, he was heard saying just send the units out. All the while he was talking over me. I do not know what this call was about, but whoever XXXX XXXX is was very rude and unprofessional to me, in addition to scaring and harassing my mother. I do n't appreciate this kind of harassment, especially when I respectfully asked for information and was n't given any.
on XX/XX/XXXX I receieved a notification from XXXX stating I had an alert for a new credit inquiry. ( When I looked it stated XXXX XXXX ). I until todays date have not receieved a 30 day right to dispute letter. I amcertain your company is familiar with The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. Once I received the alert I XXXX the company and sent them a letter certified and with return receipt. As you can see the copy of the return label it was signed for by XXXX XXXX or XXXX XXXX ( camt read the had writting ) on XX/XX/XXXX ( see attached ) here we are XX/XX/XXXX and I have yet to recieve debut  vaildation or a letter stating the primary purpose fo rrunning my credit. On my credit report It states I allegedly owe XXXX XXXX XXXX dollars.Attempts to collect debt not owed without vaildation is illegal.I will be filing a consumer complaint with the FTC as well due to the failure to reply with 30 days.Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Therefore you are in violation of this section of the FDCPA. I will be taking legal action against Transunion for defamation of character, Failure to vaildate debut.
It is unbelievable that XXXX waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. XXXX 's lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers.
This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions XXXX offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.
As to so many times previously, My name is XXXX XXXX XXXX and my husband XXXX XXXX. We had placed a total of 10 complaints related to Select Portfolio Servicing and their deceptive practices, but your department only send the complaint and wait for the complaint to be answer. But here we go again. I submitted a loan modification to SPS multiple times. The latest modification of mortgage that I received was in the amount of {$4500.00}, a larger amount than the one I received before, the interest rate at 7.475 % adjustable rate the same terms I had before with the same principal balance of {$530000.00}. This are the receptive practices from SPS. 
First I had been given five years off my debt due to Statutes of Limitations ( see final summary judgement interest rate from XX/XX/XXXX to XX/XX/XXXX that make us only 70 payments past due not 125 past due payments as they keep stating that is due. 
I contacted and submitted a complaint also to the Federal Trade Commission, Florida Office of the Financial Regulations for providing servicing in Florida without a license and third open a law suit related to the present charges and not giving us credit for the 5 years deduction. No one is to big to fail. Thank you for your communication service.
In XXXX 2014, I wired money to XXXX XXXX XXXX XXXX for studies. The amount was {$8800.00}. 
I, unfortunately, was not able to attend the school therefore I expected a full refund. I asked for this refund in XXXX 2014 and I have yet to receive it. 
XXXX XXXX XXXX XXXX has refused to give me my money back and they have chosen to ignore any of my attempts of communication.
I opened this credit card to assist purchasing things after a recent change in life events. A little over a year after financial hardships set in and the account went into default and I wasn't able to reach a resolution with the bank.
I sent a certificate letter to EXPERIAN on XX/XX/XXXX ( XXXX ) asking to validate US BK XXXX AND XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW. In XX/XX/XXXX EXPERIAN answered my letter with report number ( XXXX ) indicating that those public record items WERE VERIFIED AS ACCURATE. They use a third party vendor XXXX XXXX to validate the information, In XX/XX/XXXX and XX/XX/XXXX I received from XXXX 2 letters ( attached copy ) saying that were unable to verify the accuracy of bankruptcy case number XXXX and XXXX subsequently they had to remove from their records. It is clear that EXPERIAN used false information to verify the accuracy of the US BK XXXX AND BK XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED BOTH ACCOUNTS FROM MY EXPERIAN CREDIT REPORT.
LETTER WRITTEN TO AARGON AGENCY INC., I was previously placed in your office by XXXX XXXX. I had set up a payment plan XX/XX/XXXX, for bi-weekly payments. I called on XXXX/XXXX/XXXX at XXXX XXXX PST to have the payment for this date not withdrawn. The representative assured me that this would not be withdrawn. On XXXX/XXXX/XXXX, the payment was withdrawn. I then called again and spoke with XXXX, to have this refunded as well as all my payments. I never received a call so I assumed my refund was in place. I advised XXXX that this was an FDCPA violation if fraud on my account. Firstly, the representative lied to me ; secondly your company fraudulently withdrew the money still. Lastly, on XXXX/XXXX/XXXX I decided to see if the refund had been initiated. When I check my account an additional payment was withdrawn of {$50.00}. I spoke to XXXX again, and have been awaiting her phone call. These practices are unprofessional and I will be taking further action legally. One three different occasions FDCPA violations have taken place. I look forward to having your council contact me directly.
XXXX XXXX XXXX transferred my loan to Nationstar Mortgage. Nationstar will not allow me to register a new account online citing they do not have my account information. Calls to their help line have gone unanswered and I have remained on hold 2 and 3 hours with no response. I CAN NOT pay my mortgage and I have concerned they are engaging in fraud to delay registration and accumulate late fees.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   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.
On Friday XXXX XXXX 2017 I reached out to Pro Collect debt collection agency to pay off a XXXX debt that was showing on my account. Prior to this I was applying for an apartment however upon submitting the application I was instantly denied due to have XXXX broken leases. When I first reached out to Pro Collect they informed me that I had XXXX accounts in collections one for the XXXX which was {$1000.00} and one for the XXXX for {$500.00}. So when I contacted Pro Collect on XXXX XXXX 2017 I clearly informed the representative that I was only going to pay the {$500.00} plus {$7.00} fee to process the order so that account would show as paid. She asssured me several times that once I paid the amount of {$500.00} that the account for the XXXX would be removed and I would receive a confirmation email within 72 hours. I paid the amount and was even given a confirmation number. By Tuesday XXXX XXXX 2017 I had not received any sort of email confirmation. So I once again called back to Pro Collect and the next representative informed me that my account was not showing as XXXX separate accounts and that the amount had to be paid in full for me to receive any confirmation email that my account was paid in full. Even though I did pay {$500.00} the XXXX account is still showing in collections and in order for me to have it removed I would have to pay the {$1000.00} in order for the XXXX account to be removed
experian is not following the processes and proceddures it has established for lifting a security freeze. i attempted to lift it online using my pin. i keep getting an error message telling me i have to submit my request in writing. 

i submitted my request in writing. 30 days later it is still in place. 

i attempted again to lift it online and i got the same error message. EVEN THOUGH I ENTERED MY PIN. 

i located my pin letter from experian from 10 years ago. i called the toll free number on that letter and the voicemail system doesn't even list credit freeze as one of the topics. Experian doesn't list a contact number on their website to contact them regarding a freeze problem Experian is not following the law as set forth by congress and making credit freeze and thaw available. 

NOTE : the file attached was printed signed and mailed in XXXX XXXX XXXX
Equifax violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX  , day before my   XXXX   birthday Myself & Son went to   XXXX   XXXX     XXXX  Pa, sales person   XXXX   XXXX   ... the way Girl explained things   XXXX    would pay off  XX/XX/XXXX    XXXX   XXXX   found out  XX/XX/XXXX   XXXX   XXXX   was not paid off ... I contacted   XXXX   XXXX   & spoke to the finance dept at  XXXX ..  XXXX   said there was nothing they could do..I asked  XXXX  if the contract could be renegotiated I was told NO! ... I came into the dealership with an advertisement stating They   XXXX   could save me {$200.00}. On car payment ... I end up owing a $  XXXX car payment plus a {$420.00} lease per month ... that was not what I bargain for, I 'm  XXXX  on a fixed budget, I take care of my   XXXX   XXXX   XXXX   XXXX   Niece ... WHY WOULD I TAKE ON   XXXX   CAR NOTES .... &    XXXX   XXXX   XXXX      did a BATE & SWITCH , My Son also heard   XXXX   state they would cut a check that same day to pay off  XX/XX/XXXX   XXXX   XXXX   ... .I left   XXXX   XXXX    XX/XX/XXXX  with the mindset that the XX/XX/XXXX  was PAID OFF.  XX/XX/XXXX I found out different and started calling everyone ... ..I 'm
I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and XXXX accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
Did bankruptcy in XXXX XXXX on first and second mortgage. Have been trying to refinance on the first mortgage, but XXXX XXXX XXXX put a lien on the first, even though the second was discharged. Haven't gotten help from them, I would like to do this so I can retire.
Good Afternoon, During the process of reviewing my credit report. I noticed the XXXX SCA Collections. It states that the file was opened on XX/XX/XXXX in the amount of {$65.00}. I contacted this company via certified letter asking for validation of this debt because the debt did not belong to me. I did not receive a response. I then contacted XXXX & XXXX credit bureaus via certified letter requesting the debt be validated or deleted and they sent correspondence stating the debt was validated but did not include any proof. I sent a second round of letters attempting to handle this matter. SCA COllections then sent an updated collections reports to the credit bureaus mentioned above on XX/XX/XXXX. SCA Collections license has been forfeited in the state of State of South Carolina & they are not authorized or licensed to collect on any debt, especially debt that does not belong to me. I have exhausted all options in attempting to getting this debt removed off of my credit report.
We have a home insurance claim related to damage from the winter of 2014. They are not processing our payment. I have a recorded call that states they will release payment but continue to delay
I hated when you have go through the whole application and get nothing at the end but a hole lot of XXXX
I made the decision to use WESTERN UNION to transfer {$500.00} to a stranded friend in XXXX, XXXX XXXX. She was homeless, no cash, and with her young son. The WESTERN UNION Website advertised that they would be able to get it to her same day. IT HAS BEEN 6 DAYS SINCE I SENT THE MONEY!!! AND MY FRIEND IS STILL WITHOUT IT!!! I have called and written with no resolve. SHAME ON YOU WESTERN UNION!!!!! She has all the necessary ID and numbers needed. They use the excuse of being a chain and not having control over their vendors. THAT is CORPORATE XXXX!