WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a car from the seller XXXX XXXX  XXXX XXXX when is was located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX. I had two different cars with them, a XXXX XXXX XXXX, which lasted in my hands not even one full day with me because the car was damage. The dealer had the vehicle approximately for two week at the mechanic, at the end they coul n't fix it. So they gave me this second vehicle, a XXXX XXXX XXXX, which lasted with me approximately 3 weeks - 1 month. The car was damage too and they wanted me to pay for it no metter the siuation. I loose {$1500.00} that I gave for down payment and {$370.00} of the first monthly payment, and that same day I ended up with no CAR and no MONEY. The vehicle was financed by XXXX XXXX XXXX. Recently I tried to refinance another vehicle that I have under my name and I couldn't do it because after a whole year of not having that account anymore, the account still open on my credit report. I talked directly with XXXX XXXX XXXX, and they told me that the account was closed since XX/XX/XXXX. The account today, Tuesday XX/XX/XXXX still as OPEN on my credit report.
I do n't know who portfolio record is, I ca n't find anything about it regarding debt or where it came from. This is really hurting my credit.
When I purchased an engagement ring for my fianc, I entered into an agreement for a 12 month - no interest program. Wells Fargo was responsible for the financing. I was told that auto debit would be set up so that the proper amount to close the financing amount would be deducted over 12 months. Instead, the auto debit was setup to only charge me a fraction of the payment amount every month ( they call it minimum payment ) and I am now left facing not only a huge principal to pay back, but also a huge interest on the principal. The bank claims that they provide courtesy calls 30 and 60 days before to remind the customer of the 12 month ending period, but I received no such calls. It has now been roughly 18 months since the financing and despite multiple attempts to resolve this with the bank, I have no success and am ending up paying over {$4000.00} in interest alone! They will not waive any portion of the interest. I feel that Wells Fargo misleads consumers by setting up minimal payments instead of asking the customer to setup the auto debit for an amount of their choice. More importantly, if the auto debit is setup, it is usually setup so that the full amount is paid over the defined period. This is a scam that allows Wells Fargo to earn huge amounts of money at the cost of causing both financial and emotional turmoil for unsuspecting consumers. Please investigate and help protect the interests of people trying to live normal lives.
I disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.
We had a unit that sat vacant for 6 years without any action by the bank ( s ) except to pay all fees after foreclosure filed by HOA. It is all ok now but we were very frustrated for 6 years with no action!! It finally went to auction and was purchased for {$18000.00} with the bank still having interest. The new owner will work with the bank to take full ownership. It is currently rented. We have been complaining about the lack of attention by the bank ... went to OCWEN who will not respond ... tell you to write ... still do n't respond. Grrrr.
A charge was made on my card in XX/XX/XXXX, and it was flagged at the time by Citibank as fraudulent and they notified us to question the charge. We did n't make the charge and told them, so they replaced the credit cards with a new number. We were sent a letter to sign and return, dated XX/XX/XXXX, to verify " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' Then, XX/XX/XXXX we received notice that the transaction would not be removed from my account due to " insufficient information to support my claim. '' The merchant provided a sales ticket and a XXXX statement that showed my address, and delivery on XX/XX/XXXX. However, I went online at XXXX and pulled up the tracking number to discover that although my address was listed as the " ship-to '' address, the package actually was delivered in XXXX XXXX, CA. 
Perhaps the package was re-directed? 
Bottom line, this transaction was fraudulent, neither I, nor anyone in my household, ordered two expensive watches, did not receive watches, nor benefited in any way from this fraudulent transaction. 
I would be happy to provide all supporting documents in this case.
It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, XXXX, Equifax XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, XXXX, Equifax XXXX XXXX on a credit report
1.On XX/XX/XXXX I physically signed ( ink signature ) to purchase a used XXXX XXXX 2.Within a week the XXXX XXXX broke down on the highway 3.I immediately notified ( seller ) XXXX XXXX XXXX, XXXX, NC ( XXXX ) and told me to tow it to my home and XXXX will tow the vehicle with their mechanic & fix the problem. 
4.While vehicle sat for a week, I had a mobile Co. conduct a diagnostic. Results : rear brakes on driver-side were metal to metal and needed to be replaced, also clutch was not functioning, slve cylinder needed to be replaced, also nut that holds shifter mechanism down was broken and someone tried to weld it back and would need transmission to repair it. 
5.On XX/XX/XXXX the XXXX XXXX was finally picked up by XXXX XXXX XXXX 6.In the interim, I had to rent vehicles to go to work etc. 
7.XXXX, offered a vehicle in which they came unannounced to took the loaner due to them closing down abruptly. 
8. On XX/XX/XXXX, with my XXXX XXXX in their possession stated they were closing and I will need to pay their unknown mechanic the repairs. 
9. I requested for XXXX to furnish a Mechanical Vehicle Report, location and status on the vehicle. I received nothing but back and forth confirmation from unknown reps upon XXXX closing. 
10. Please note : I received harassing phone calls from " XXXX '' a sales agent with XXXX that was never licensed to sell in North Carolina. 
11. Since XX/XX/XXXX, XXXX and their mechanic was never seen and my vehicle I never had in my possession to date. 
12. I informed Credit Acceptance about this entire ordeal and Credit Acceptance the lender stated they conducted an investigation on-site after XXXX closed and they did not confirm nor provided me details results of their investigation such as date, time, agent who investigated this Auto Fraud etc. 
13. In return, to date have accumulated bad credit reporting from Credit Acceptance, no vehicle in possession, no information from XXXX owner about the location of my vehicle, the NC attorney general office did not even receive a response from XXXX owner referencing my complaint, Credit Acceptance never to date confiscated / repo the vehicle nor did they conduct any investigation referencing my complaint. 
14. I am currently receiving harassing calls from unknown numbers.
After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX   XXXX   XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the   XXXX   public records.   I then wrote  to the CEO 's of th e  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of  a Legal Document, su bsequently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.
PayPal Credit persistently calls my phone at least XXXX times per day, despite me telling them about talking while driving as I am an XXXX and are unreasonably calling and harassing me. After blocking their numbers so that I will not be disturbed or distracted, they use other numbers in order to harass me, even at night. I want this to STOP!
I have an auto loan through fifth third bank. they stated that they sent me 3 to 4 letters requesting my insurance information which I received none .. although they have my phone number listed on file I received no phone calls from them. 
They took an extra {$410.00} out of my bank unauthorized on top of my normal {$450.00} car payment as a punishment of not giving them my insurance information in XXXX. I immediately notified my insurance company to provide them with my current insurance and to show that NO lapse in coverage has ever been with regards to my vehicle. I was told by fifth third bank that it would take 3 to 4 weeks to refund my money to this day I still have not received a refund of the {$410.00} after providing The requested documentation .... fifth third bank then took out an extra {$410.00} on top of my normal {$450.00} payment in XXXX even though they received my insurance information this transaction overdrew my account charging me overdraft fees through my bank. fifth third bank now owes me {$820.00} and I have not received any of it back and I 'm being told I have to wait for their process when I live paycheck to paycheck for like 80 % of the population. and they really do n't care and they are in no rush to give me my money back when they had no right to take it out to begin with.
I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report that do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XX/XX/2017, XXXX XXXX, XXXX, XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017
I repeatedly receive robocalls leaving a message from NCB Management Services, XXXX, attempting to collect a debt for XXXX XXXX XXXX ( sic ). I have no idea who this person is and have owned this phone number for over a decade. I have talked with several representatives of the company and each time they say they will remove my phone number but I receive a call the next day. Not only is this an erroneous number but I believe they are violating the Fair Debt Collections Act in several ways. They are leaving a voice message that says they are a debt collector attempting to collect. My understanding is that is illegal as others could hear the information. Further if you listen to the message hoping to get a person to remove you, it states that by continuing to listen you affirm that you are XXXX XXXX XXXX. I believe that is also a violation. I have made multiple attempts to the company to stop this continued harassment with no success.
I applied for deferment and was under the impression it was filled out correctly. I was never notified and when I realized my credit had been hit 28 times in 7 months, I reached out to them and started making payments. XX/XX/XXXX-XX/XX/XXXX
I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please delete the following : ( 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 I RECEIVED A COPY OF MY CREDIT REPORT FROM TRANS UNION DATED XX/XX/XXXX WHICH IS ATTACHED. I DISCOVERED NUMEROUS ACCOUNT REVIEW MADE BY XXXX FROM XXXX XXXX XXXX. XXXX INQUIRIES WERE MADE XX/XX/XXXX, XXXX INQUIRY EACH MONTH PRECEDING XX/XX/XXXX. I WAS TOLD BY THAT NOTHING COULD BE DONE ABOUT THESE INQUIRIES SINCE I HAD AN ACCOUNT WITH THEM WHICH IS AND WAS NOT TRUE. I EXPLAIN TO TRANS UNION THAT I DID N'T HAVE ANY BUSINESS WITH AND AGENCY AND THEREFORE THEY HAD NO VALID NEED OF MY CREDIT INFORMATION OR ACCESS TO MY CREDIT FILE.I AM APPEALING TO YOU STOP THIS PRACTICE AND ENFORCE THE FAIR CREDIT REPORTING ACT. I HAVE HAD SIMILAR PROBLEMS BEFORE AND THE XXXX RESPONSE WAS " WE CA N'T MAKE THEM RESPOND TO US. '' THEREFORE NOTHING WAS DONE TO PROTECT MY RIGHTS BY THIS STATE AGENCY, THIS WAS DONE XX/XX/XXXX
Receiving threats from Bronstein and Weiss Arbitration to sue and collection attempts on a pay day loan that was included in a 2013 Chapter XXXX Bankruptcy. Also threatening to contact the courts and my employer.
I revived a letter from : Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX, TX XXXX stating that I had a balance due to XXXX. This was news to me since I have n't had a XXXX XXXX account in 4 years. 

I wrote a letter asking them to validate the debt with no response. 

I then discovered they have reported me to XXXX credit reporting agencies and my scores have dropped XXXX-XXXX points. 

I do n't know these people and I have since sent a second letter with no response.
XXXX, Equifax and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!
I have notified Experian back in XXXX of 2016 and even sent them a certified letter, which they received and signed for through the USPS, notifying them that the inquires that were listed on my credit file with their company was never authorized by myself, and that I wanted them removed immediately, if they were unable to justify that I gave these companies permission to pull my credit report with a document baring my signature. Experian has failed to provided me such valid proof baring my signature that I authorized these companies to pull my credit report, and Experian has also broken the FDCRA federal laws for reporting such fraud information on my credit profile. I have allowed them nearly three month to rectify this situation and they have refused to correct it. I have also notified each agency/company listed on the letter that I sent them and the companies have also failed to send me the information that I requested. This information is false and was not authorized by me and it 's affecting my credit rating and I want all of the inquires removed from my credit file associated with my social security number immediately!!!! I am trusting that your government organization will enforce the laws that protect us consumers!!!!
I was speaking with Sallie Mae on repayment options, as I was unemployed following graduation. I was unable to meet the $ XXXX+/month payment and was asking what my other options were. I was specifically advised to let my account run over, as in not meet the payments, because Sallie Mae would not work with me on changing payment options until I was overdue. After two months I tried to reach customer service once again and was directed to Collections, who informed me that I had to make my loans current before I could begin any sort of payment change option. After explaining the advice I was previously given, I was given a sorry and an adamant ultimatum that they needed to make the loan current first before anything could be done. I was forced to borrow money from my parents and then was explained the options available to me, neither of which greatly affected my payments. I was also reported to the credit bureau due to the non-payment of the loan, which has affected my credit score, making it difficult to now find an apartment.
They reported late payment onto my Credit Report on XX/XX/2018, HOWEVER, I called on XX/XX/2018 to get it removed upon full payment of my account. She agreed to it on the phone and I paid the card in full on XX/XX/2018. 
I called on XX/XX/2018 to verify it and Fidelity Representative stated that it is true that she verbally agreed on the phone to remove the late payment on my account and ensure that it will be removed on the credit report or not be reported at all. She also stated to have had experience doing this. 

Unfortunately it did not happen and the supervisor repeatedly stated it did not matter she said that and they will not remove it.
I am requesting for my dispute to be forwarded to XXXX Consumer Affairs Office because these fraudulent accounts are not being handled properly nor correctly. 

The following fraudulent accounts need to be deleted immediately from my Equifax credit report : 1. XXXX Account # : XXXX 2. XXXX XXXX XXXX   XXXX Account : XXXX 3. XXXX XXXX XXXX  Account : XXXX 4. XXXX XXXX XXXX  Account # : XXXX 5. XXXX XXXX Account : XXXX 6. XXXX XXXX Account # : XXXX 7. XXXX XXXX Account # : XXXX
Rushcard is not giving me access to my funds. And my account is showing a negative balance. It 's been weeks. Customer service has hung up on me numerous times after I was on hold for over an hr each time I 've called. I finally got through and was told they had no idea when I would get my money. I 've filed email complaints and received XXXX different " ticket numbers '' and have n't gotten a respond in over a week. Basically I 'm not getting any answers.
Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
I am being threatened and harassed by XXXX and XXXX, and Bank of America, to be sued for a debt that was settled out inXX/XX/XXXX. 
BOFA traded my Home Mortgage Account Manager XXXX times during myrequests in order to run out of time for me to refinance my home to a more affordable payment. I ended up losing the home in account of this unethical treatment in a short sale. 
for {$430000.00} when I owed XXXX. That alone covered the cost of thedebt in question and I have not been returned my profits. 
Also, BOFA illegally deposited my XX/XX/XXXX income tax return checks right before closing out my accounts without my knowledge andconfiscated the account balances. 
This was a loss of over {$20000.00} which is more than the debt inquestion. 
BOFA was found guilty in court XXXX BOFA and they are refusing toreimburse me for the fraudulent charges as well as payfees, penalties, interest, punitive damages. 
I have been swindled out my life savings by this company. I need helpwith this unreasonable treatment brought on by this unethical company. 
Please Advise ...
Despite repeated disputes and calls to all 3 credit bureaus, each account reporting with each bureau is in violation of my rights under the FDCPA. Bankruptcy account filed by myself as well as my ex-husband is reporting inaccurately as Chapter XXXX, and keeps verifying as accurate despite submitting documents showing correct Chapter XXXX filing, and now too old to remain on file. Have called bankruptcy court, told they do not report to bureaus? Also told by both XXXX  and XXXX XXXX that debt re-aging is not illegal, when it is, while article discussing re-aging currently on homepage, accounts that arent mine repeatedly verifying as accurate, despite calls to original creditors verifying i do not have an account on their files, state tax lien appearing on only one report illegally, and medical bill balance steadely increasing a few dollars at a time, lowering credit score further with each occurence. And also not my account. Unable to apply for SBA loan until these violations are removed ; ex-husband can not afford a new much needed car loan as well, due to low credit score resulting in unaffordable rates.
Once again the criminally negligent XXXX at one of the awful credit reporting bureaus have damaged my credit with false information! I 'm sick and tired of these high school drop outs attempting to destroy my credit! As CFPB must know by now I have filed complaint after complaint against these incompetent XXXX for continuously posting false collections, accounts and a variety of other misinformation on my credit report. Just about one hundred percent of the time after I submit my complaint they remove the lies they put on my report. Now Equifax has a new trick, they dropped my score by XXXX points for no reason at all! All my information was the same from just a week earlier. This financial libel they 're committing against me is a crime and has got to stop! I have worked hard to rebuild my credit and it 's not right for these XXXX to play with my credit wellness.