WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a new car, and I gave this one back to the finance company. My new car dealer drove the XXXX to XXXX for me, and he spoke with the owner regarding the vehicle. The owner made him park it in a back lot, so it would be out of his way. I followed behind, and picked the dealer up. 
I have a voice recording of my call to Credit Acceptance, explaining to them that I voluntarily surrendered the vehicle and returned it to the place of purchase. XXXX informed me they normally pick up the vehicle within 10 days. They will sell the XXXX at auction and bill me for the remaining balance. I requested they not call me continuously until the vehicle is auctioned. 
I immediately mailed my key to XXXX, who has possession of the vehicle, along with a copy of this form and the notes above the line. 
I drive by and check on the vehicle periodically to see if the vehicle has been picked up yet, and to ensure no vandalism has occurred. 
The financing company has not yet picked up the vehicle. They continue to call me multiple times a day, seven ( 7 ) days a week. Sometimes they leave voice mails, sometimes not. I only get a bit of the voice mail, which is an automated message to call them. At this point, my voice mail box is full. I refuse to clean it up and make room for more until they cease harassment and follow through with their established procedures. They call from so many different numbers ; it is nearly impossible to block them. I 've tried to compose a call history, but I can not guarantee I got them all. It makes my eyes cross and gives me a headache!
I want to get paid for my damages my kids pictures and my hacked emails and no one tells me nothing yet. For my bashed name
Repeated calls for debts incurred by a person named XXXX XXXX who has not resided or had my phone number for over a decade. 

The most recent XXXX XXXX agency that calls sometimes as early as XXXX looking for the above person.
I started a dispute with Experian stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from XXXX XXXX.
The debt collector repeatedly reopens my account and claims I have excessive missed payments. 
The claims far go beyond my possession of their tangible property that was sold at auction subsequent to my repossession to them. 
The debt collector also has not given me any proof that it was sold for a lessor amount than the debt originally owed and I have proof of such sale intent letter. I only had the tangible property 6 weeks after contract was made and the tangible property was repossessed. 
I think this company is using unfair practices.
This complaint is to inform you that I recently received a copy of my credit report from XXXX, XXXX and XXXX, that publishes information that Pro Collect Inc reports on my credit file and after reviewing it I found a number of items on the report that are inaccurate. The original creditor which was XXXX XXXX XXXX sold this debt to Pro Collect Inc ( a collection agency ), XXXX XXXX XXXX also wrote off this debt in the amount of {$3000.00} and {$560.00} on their taxes which wrote off my obligation to pay. The original contract between XXXX XXXX XXXX homes and myself was cancelled. I have no obligation and no contract with Pro Collect. Please remove this debt from my credit file.By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.
The reason for this email is in regards to a dispute that I have with XXXX XXXX XXXX XXXX in XXXX, XXXX. I moved in on XXXX XXXX of 2016 and occupied XXXX. I had the best signing experience I think any renter could possibly have and even though I do have a rather unsatisfatory pending issue, I can say that XXXX in the Leasing Office was beyond amazing. I believe in giving credit where it is due. I enjoyed 7 months in my apartment and had minimal issues while residing there. Unfortunately, my employer decided to relocate me to XXXX, XXXX and i have been here since. I submitted the requested paperwork to prove I was being relocated because my job was being moved ( eliminated if I stayed in XXXX ), and I was in correspondence with the property manager the entire time, making sure to update them on dates, issues, or even payment options for the month of XX/XX/XXXX. I moved out on XX/XX/XXXX, and turned in my key that day. I checked in with the property manager to see if there were any loose ends to be tied up before my drive to XXXX. She told me she would submit the required paperwork ( The letter from my Human Resources Department reflecting my relocation date and initiated job relocation ) to corporate and I was fine. She even told me not to pay for the month of XX/XX/XXXXonline ( like all my previous payments ) as she did not want me to overpay because I was moving out before the month began. Since then I had not heard from the property manager or  XXXX. Nearly 8 months after my departure and closure with XXXX I get blindsided with a bill from a credit collection. I asked the rep what the bill was for and she stated a fee because I left without notice. I was completely blindsided and a little set back. I had requested all information regarding the order be sent to my forwarding address had given XXXX and have yet to receive said bill, however the collection account has shown on my credit report. Im completely dissatisfied with the way this whole matter has been dealt with. The property manager, assistant property manager and XXXX all had access to my email/phone number and forwarding  address. Im not sure how or why no bill was sent to me before handing this matter to another 3rd party. I would like some type of answer or resolution to the matter as if I was given notice beforehand I would have made accommodations to reflect the balance. I even emailed the property manager the day  before my departure and day after to ask if there were anything I needed to resolve before I left and both times I received not word.
To whom it may concern, For the last month, I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty, inaccurate/incomplete information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact. Apart from that, my new credit report has addition incomplete/inaccurate information. Either the creditors can not verify the address they have on their file for these accounts or this company blatantly violated FCRA. Clearly, on my credit report, they are showing " address identification number : NOT AVAILABLE ''. They are showing " Not Reported and No Data '' as well. These are just some of the proof that this company violated FCRA blatantly! Attached is a copy of the first letter I sent them and a copy of my credit report.
This account was opened in XXXX XXXX, 2017. I dont have XXXX XXXX XXXX ... .I had XXXX. This was opened by someone else.
lender sending my contact info to warranty companies and these companies are trying to swindle me out of money for extended warranties, contacted the local company yesterday and person i spoke with was veryrude and said they would never force me to get a extended warranty but XXXX companies called and i was told by both that i had to have this true auto XXXX and national vehicle head quarters XXXX, now this company said i was refinancing a new vehicle false still have same truck 2009.
My Wife and I live in a small rural community in GA. We applied for a 30 year fixed rate mortgage on XXXX. We received confirmation that our request had been approved and the current interest rate locked in - subject to further processing, verifications, an accurate and adequately supported opinion of the market value of our property, etc. My Wife and I met with the Lender 's approved appraiser and she performed an in-depth inspection - all the time complimenting the various upgrades and design additions we had made - all, in accordance with current code requirements. We eventually received a copy of the appraisal which was indeed {$12000.00} more than the 80 % requirement for our loan request. My Wife and I inquired if the estimated loan closing costs could be reduced if we further reduced our requested loan amount - we were expecting State and Federal Income Tax Refunds. Our Mortgage Loan Officer responded by a voice-mail message and e-mail, that if we reduced our loan request to 75 % of the Fair Market Value - as supported by their appraisal - there would be {$0.00} closing cost, if we would agree to take an interest rate of 4.000 %. My Wife and I applied all of our tax refund dollars to the principal balance in order to reach the 75 % loan-to-value amount. On XXXX, we received a new Good Faith Estimate indicating the reduced loan amount, " higher '' closing costs and a different interest rate! My Wife and I began a crusade of telephone/e-mail communications to ask for clarification, but no one would respond - not, the mortgage loan officer, the assigned loan processor, or their individual supervisors. On XXXX, via snail mail, we received a " Notice of Action Taken '' dated XXXX that simply stated, " We 're unable to approve your request for a Home Loan because : The TYPE of property or the CONDITION of the home is not acceptable. '' The effective date of the Lender 's appraisal was XXXX! We believe that if this scenario is investigated, it will support the fact that there exists mortgage credit discrimination within XXXX XXXX XXXX Appraisal Documentation Guidelines which " deny '' equal opportunity/fair housing lending in small rural communities. PLEASE INVESTIGATE!!!
I was a Wells Fargo customer with their Wells Fargo Visa XXXX which gave XXXX points per {$1.00} spent at drug stores and grocery stores. I bought prepaid cards as defined legally as " XXXX '' by the CFPB. The T & Cs from Wells Fargo state we can not buy cash equivalents such as money orders or pre-paid gift cards. " XXXX '' is explicitly defined as NOT a gift card by the CFPB. Furthermore, cash equivalents have a definition as well. Cash equivalents include all undeposited negotiable instruments ( such as checks ), bank drafts, money orders and certain certificates of deposit. Of which, a XXXX '' is none. 
I received a letter asking me to cease buying prepaid cards or they would shut down my account. I did so immediately but nonetheless they shut down my account and took all the rewards I had earned which totaled {$5000.00}. I contacted Wells Fargo 's XXXX office and complained that I had done exactly what they had asked but still they closed my account and took all my hard earned rewards where in the end I lost money. 
I get that they can terminate the relationship at any time, but they should n't be holding back rewards, as what I did was not in violation of the contract.
As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX  XXXX   {$560.00} XXXX XXXX XXXX {$610.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}
I have been disputing incorrect information on my transunion credit report for some time now. There is incorrect information on my credit report and I just keep receivng a response within 2 weeks that the information is reporting correctly. This is completely wrong. My credit score is very low due to all these wrong accounts reporting incorrectly. I have 2 public records reporting this is wrong. I have settled this wrong information with the creditor and it was corrected and removed from another credit reporting agency so this informaiton was verified and corrected why transunion did not receive the right information and delete it as they were suppose to do is beyond me probably because they did not do a proper investigation or it would have been corrected. I DID NOT have 2 tax liens. They were removed from XXXX and XXXX so it should be removed from transunion. Another account is XXXX acct # XXXX reporting for {$860.00} charge off collection. This informaiton is wrong as well as I did not have a charge off in this amount with this bank. Another account is XXXX motor fianance reporting as open in the amount of {$4900.00}. This debt was PAID in full. I have been calling transunion to dispute this information and just keep receiving responses that the information has been verified. I have submitted substantial documentation to transunion and upon verifing they received it they tell me they did not receive it. Transunion is a horrible credit reporting agency as they do not fix wrong information which in turn is affecting my score and affecting me in obtatining substantial credit. I am being denied credit due to the wrong information reporting that should be deleted.
Experian continues to report an incorrect item on my credit report. There is a lien on my credit report for a XXXX XXXX account from 2010. On the same credit report page XXXX, you can find my XXXX XXXX account histories and they are always paid on time, never late. Account closed at consumer request. 
Even after disputing this item twice and pointing them to their own information on my credit report, Experian refuses to remove the fraudulent item on my credit report. This is now impacting my ability to buy a home. 
Can you help me resolve this issue?
I have been trying to sell my property as a short sale. This property has been under contract since XX/XX/XXXX. Citi Mortgage is the 1st lien holder and Citi HELOC is the second lien holder. Citi countered the buyer 's {$200000.00} offer with {$230000.00}. The value dispute was initiated on XX/XX/XXXX and up until now we have not receive an update from Citi other than them confirming receipt of the docs and that the file was endorsed to their review team for the value dispute review. 

As per Citi, my file was removed from their short sale review while the value dispute review is ongoing. We keep on following up with them for an update because we do not want to keep the buyers waiting. They advised that they do not have a time frame for the review and that's what keeping us worried. 

Can you please assist in making Citi escalate this file? Thank you for your assistance with this matter.
I am a victim of identity theft and some stole my identity and used my personal information to apply and open up the following unauthorized and fraudulent accounts accounts that are not my accounts : 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, US Department of Education, XXXX, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
I received a preapproved offer in the mail for a personal loan to be used for debt consolidation. I called the number on the letter to apply and was again pre approved. They asked me to send in several documents for identification and income verification purposes ( which I did ). Without any call or explanation they closed my account. This has been very frustrating for me as I am an elderly woman and live in an XXXX XXXX XXXX and have to rely on my daughter to come and help me fill out applications and upload forms. This marketing was very misleading and now it has resulted on a closing of my account with no reason and a hard inquiry on my credit report.
Loans with Navient and XXXX  reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.
My husband 's car " died '' on the XXXX in XXXX. He was towed off the espressway by XXXX, NY XXXX XXXX, a company authourized by XXXX to tow. On the bill, there is a {$4.00} charge under Gas/Tire/Boost, none of these services which were performed. I called XXXX and was told that it is a charge for using a credit card. I informed the man it is illegal in New York State to do that and he was surprized at that information. He is was not the owner and got nervous about his job because he did n't realize that was the law and had given me the information. I will not use his name, I do n't want him to lose his job. This business is authorized by a governmental arm of the XXXX and should be held to the law. {$4.00} may not seem like alot to get worked up over, but hypothetically, if XXXX tows a day for 300 out of 365 days a year at {$4.00} a pop on a credit card, that 's {$6000.00}! Maybe they do n't do that much business, they are still ripping off the consumer ; they chose to offer the choice of credit card as a form of payment and signed a contract with merchant services to pay the fees, NOT XXXX customers. As we have XXXX who will reimburse for the tow bill, XXXX should not have to be dunned for this amount either! I would like this business to be investigated for this. Whether or not I get this {$4.00} back, XXXX should not continue to flaunt the law.
Received a letter from debt collector about a bill that is from 2011 believe the statue of limitation has expired on this debt. But all want to see what this debt is showing never has a {$1700.00} debt with any cell phone company. Send record of debt from company XXXX XXXX Will be check with Attorney General on Statue of Limitation on Cell Phone debts! per information from CFPB
Identity Theft - All this stuff is fraudulent. I need all this stuff removed from my credit report. I already put a freeze on my credit account. Please help me out. 

Alert Date XX/XX/2018 Source XXXX  Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Company XXXX Alert Date XX/XX/2018 Source XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Company XXXX XXXX XXXX XXXX Date XX/XX/2018 Company XXXX XXXX XXXX XXXX XXXX XXXX About this Alert XXXX XXXX XXXX  is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been verified for a new account or access to an existing account Date XX/XX/2018 Company XXXX XXXX XXXX   Activity New Application About this Alert Bank of America is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been identified during a financial transaction or discussion Alert Date XX/XX/2018 Source EXPERIAN Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX XXXX XXXX XXXX
To whom it may concern : My name is XXXX XXXX and I was the owner of a foreclosed property located at XXXX XXXX, XXXX XXXX, CA XXXX. I 've filed numerous complaints with CFPB on my servicer, Residential Credit Solutions , Inc . I am writing to you because I need your help. My servicer, Residential Credit Solutions , Inc ( RCS ) foreclosed on my property illegally. I was in process of a loan modification that was UNDER REVIEW on XXXX/XXXX/2015 after the property sold on XXXX/XXXX/2015. I have tried to get a loan modification numerous times with no success and they finally reviewed my completed loan modification application submitted by a HUD Approved counselor on XXXX XXXX, 2015 and ( REOCO a department within RCS ) did n't check with the underwriting department to verify that they had changed my loan modification Status To Under Review to modify my mortgage payments to an affordable amount. I have begged you to help me stop them from a wrongful foreclosure, not get help to modify my loan, unprofessional service, no point of contact person, losing documents, rude behavior and derogatory statements made to me. RCS Violated California Housing Bill of Rights Laws. RCS refused to tell me the name of my lender and it is not the name on my Deed of Trust. The lenders name is public record and I should have known the lenders name before RCS foreclosed on my property. Im certain that if RCS had given me the name of my lender I could have Avoided Foreclosure on my property. Knowing the lenders name before XXXX/XXXX/15 could have helped me go through programs XXXX XXXX had specifically for their borrowers. Not knowing the lender 's name and the correct lender name not on the Deed Of Trust caused me to lose my property to foreclosure. I have no where to go and I have an eviction on my refit report and should not. What can you do to help me because RCS IS WRONG and have got away with it too many times and they sold my home? How do I get my home back because California is a redemption state? You must intervene and help me Stop RCS from these illegal practices and get my HOME BACK before it 's too late. 
RCS evicted me from my property ON XXXX XXXX, 2015 and all of my personal documents and some furniture is left in the house. I can not rent another place with an eviction on my credit report. 
I recently found out the name of my lender this year on XXXX/XXXX/2015. HUD approved, counsellors, attorneys and I requested the real name of the lender from the servicer, RCS and RCS refused togive it to us. Since the servicer, RCS did not give us the lenders name I missed ON IMPORTANT AND VALUABLE OPPORTUNITIES THE Lender offered to their borrowers. Specifically, I missed out on applying through the lender for valuable programs to help struggling borrowers, such as myself. 
I need your help as soon as possible. This is an emergency situation before I lose the home and my personal things forever. Please Help this can not wait it is urgent and need priory assistance. 

Cordially yours, XXXX XXXX ( XXXX ) XXXX
I called Chase bank which is where part of where I have part of my payroll check is deposited because they closed my acct without notifying me my disclosures do NOT state that no notification
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX  opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX.