WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX We buy a new leased XXXX XXXX ; and end our lease on XXXX same model car. Dealer XXXX salesperson verifies that cord is there, tire kit, GPS, and overall says " good shape, this will be a great car for resale. '' In XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/ get heavily called by XXXX XXXX asking us about the XXXX XXXX. I say it was turned in XX/XX/XXXX ; we do n't own and give out name of salesperson. The calls get so bad I file a complaint w/corporate XXXX and ask them to reassure this dealer will ground the car and do their job, we 've had issues w/dealer in the past and I am informed that they 've noted my complaint ; dealer will be reviewed, there wo n't be an end of lease bill. XXXX apologizes for dealer lack of good service for customer loyalty on 2nd XXXX purchase. 

XX/XX/XXXX we get end of LEASE bill. I have many conversations trying to get XXXX XXXX management to sort out that the bill is bogus. dealer sat on car for 3 months - why are we liable for a car that we had no control over how/what/used? XXXX, " Office of the President '' manager waives the power cord charge, but wo n't budge over tires. Every time I call I explain that i ca n't start over w/every rep & retell the saga of this dealer. I ask for an internal email to be sent to a XXXX rep that I DID have a logical conversation with in XX/XX/XXXX. That rep calls, leaves a XXXX XXXX number- ca n't reach her in a sea of XXXX employees? I call back numerous times and ask again that an internal email be sent to her again, so that she 'll call -- hopeless. My last request was for " ALL CALLS to stop, that we will not pay these false charges. '' XXXX called again today and it was not the " Management Specialist '' that I asked for. I can not start over every time with a new rep ; these calls are harassment, they go nowhere and even XXXX management will not help.
Last XX/XX/2018, I sent this credit bureau a letter declaring that I am a victim of Identity Theft and that accounts were opened under my name fraudulently. I attached a copy of my IDs and my FTC report to my letter I faxed to this company and requested XXXX XXXX account XXXX to removed and block on my credit report. I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of  the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. It has been more than 4 days when this credit bureau received these documents and still, they showed their negligence and non-compliance by ignoring my lawful request.
I am in the process of purchasing a second home and the loan from my current home is showing late payments and inaccurate information regarding a bankruptcy that i had in XXXX, it shows Bankruptcy was in XXXX. There has never been late payments for this mortgage and bank of America wants me to fill out reaffirmation paperwork which is not allowed in the state of Arizona. Since this loan was not reaffirmed after the bankruptcy it is not even supposed to show up on my credit reports. XXXX and XXXX do not show this but XXXX is showing this inaccurate information. I have spoke with XXXX and they have filed a dispute for me, but Bank of America keeps wanting me to hire a lawyer to reopen my bankruptcy to fill out reaffirmation paperwork but my lawyer says that is not possible. Bank of America states that I have made all my payments and on time but seen to be dragging their feet in correcting the matter. I have been on a 3 way call with them and XXXX but no resolve to the situation. Time is of the essence since I will lose the house and my earnest money on XXXX XXXX if this is not removed from my credit report with XXXX.
I was approved for a tier 1 first mortgage HAMP back in XXXX with XXXX ( the loan was formerly with XXXX and XXXX XXXX XXXX originally approved the Mod prior to the transfer to XXXX ). I also had an outstanding HELOC with Citibank and it is my understanding that once your 1st Mortgage HAMP is approved and you 've gone through and met all the requirements of the trial period that you are then officially in HAMP and as such now automatically eligible for the 2MP program for 2nd mortgages. In fact in reading through the " Making Home Affordable Program : Handbook for Servicers of Non-GSE Mortgages '' it is my understanding that 2MP should have automatically been offered to me by Citibank yet they did not. Why did n't they offer it to me in XXXX once the HAMP was set in place permanently?? 

Citibank recently contacted me stating that my HELOC would reset in XXXX of XXXX which prompted me to look into finding out which solutions might be available in order to keep payments affordable. This is how I came across the fact that I should have been eligible for the 2MP with Citibank back when my HAMP first became permanent. I contacted Citibank to begin the process of getting my HELOC into the 2MP program and they said they could n't verify that our first mortgage was part of HAMP. I 'm very frustrated that they are not willing to do the work necessary to match up my first mortgage HAMP with their 2MP modification program for my HELOC. I need someone to advocate on my behalf so that they will formally acknowledge that I do in fact have a 1st mortgage HAMP in place and that I am eligible for the 2MP because of this. I 've already sent over documents from my 1st mortgage stating that I was accepted into the HAMP program so why is Citibank not acknowledging that I qualify for 2MP? And why are they putting me through the entire application process from scratch all over again when they should just take what was approved for first HAMP and apply matching terms to 2MP?
Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( XXXX, XXXX, and TransUnion ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.
On Saturday the XXXX of XXXX, I applied for a secured credit Card from First Progress Bank in Georgia, and sent them XXXX deposit. Later, I found out, that this company had numerous complaints against them, and asked my bank, XXXX to start the process to get my money back. I tried to call or e-mail XXXX, but can not get through to them. I want my deposit back, I do NOT want to do business with XXXX. It 's a hardship on me at this time, as I have no money for XXXX presents. Please help me!! 
XXXX XXXX
I received of Debit card from BofA and within 2 months the chip stopped working. I am very cogniscient of the need to protect a card with regard to magnitization however when I reported this to BofA the only response was that I had to pay a {$5.00} fee to replace the card. I have gone several months without using the chip feature however it has gotten to be such an annoyance that I have finally given up and ordered a replacement and paid the {$5.00} FINE
When speaking with the employees of Navient, I am never given a specific name of the person that I speak with, so I am unable to convey that. I have called Navient multiple times to inform them about the fact that I am unable to make payments, as they are too high. I have received different information from all employees that I have spoken with, I have asked for them to help me, and I have been told that my cosigners need to submit a financial statement. I was told the last time that I spoke with Navient that one of my cosigners did not need to submi t one. Th en I was told the next time that I spoke with them that it was required. I am being told false, inconsistent information, and I need assistance with lowering my payments. Navient is also calling me multiple times a day while I am working, requiring payment when I have communicated that I need assistance from them.
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX a XXXX XXXX called and left a voicemail stating they needed a formal statement from me to verify wages and liquid assets. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX a XXXX XXXX called stating she was from the paralegal office of Integrated Services and is contacting me about some paperwork that has come to her for review. The paperwork is marked to be filed through XXXX XXXX XXXX XXXX. I need to contact her or they will have the notice delivered to my place of work or home. She also called my job and talked to my head of the HR department stating the same information to her about me.
My friend sent me a payment of {$900.00} from his XXXX XXXX XXXX Acct. to my Citibank acct. The money was wired from his personal checking acct. to my custom credit line acct. by mistake. My friend sent another payment of {$900.00} to the same acct. before we realized it had gone to my custom credit line account. Citibank told me that no money had been received at all and that is why he resent money. I would rather it have gone to my checking account. Citibank did not notify me of this and took it upon themselves to send the XXXX payments of {$900.00} each back to XXXX XXXX XXXX. My friend did not get any of the XXXX payments back and filed a case against XXXX XXXX XXXX. They sent him a letter and refunded him XXXX payment of {$900.00} but not both. Each bank says the other bank is responsible and I 've been fighting with them both for over 6 months now.
In XXXX a salesman from XXXX named XXXX XXXX ( not sure of last name spelling ) came into my place of business trying to get people to switch to XXXX. I spoke to him and was interested in getting a little more info. He asked me to fill out a form, which I did after asking him if they would be performing a credit check. He informed me no credit check would be done. I filled out the form and he was on his cell phone. He handed me the phone and told me I needed to verify my information. I got on the phone and after talking to the person on there found out this was to do a credit check. I informed the man on the phone that I asked XXXX if they would be doing a credit check and he told me " no ''. I told the man on the phone I did not want my credit pulled and to stop the process. Yesterday ( XX/XX/XXXX ) I receive a letter from XXXX XXXX dated XX/XX/XXXX telling me, " As you may remember, when you requested service at XXXX, we ran a credit check which resulted in a score where you may have to pay a deposit or downpayment ... ''. I was furious as I told both people that I did not want my credit pulled as I am trying to bring my credit back up. I called XXXX today ( XX/XX/XXXX ) to complain and was hung up on by first person. Second person gave me the information for your company to contact to file a complaint. So this is what i am doing at this time. I want to file a complaint on both men and XXXX XXXX.
I signed a loan with Nissan Motors. I have not had a problem with this loan until recently. Unfortunately i had a total loss. However i was smart and purchased GAP. Since XXXX/XXXX/15 ive been trying to work with NIssan to get the loan taken care of. I have paid my account like always and i have been working with GAP to get their check issued out for the loan. This has been stressful. I have spoken to several customer service representative and customer relations and have been hung up on told different answers, have been talked to in a poor manner tranfered back into the call que. Also i have filed a XXXX complaint but the coropartion has failed to respond or do anything or even acknowledge the complaint. I have been trying to get copies of the warranty cancellation policy checks so i can sent to GAp so they can redo their portion due to the fact they under estimate what i would get back on the poiicies. I have called daily trying to get it resolved no one has helped and they are very rude. I think its sad that they cant even respond to a XXXX complaint. In the mean time another month has passed and i am now due for a payment when GAP has been trying to pay but due to the negligence of NIssan i am forced to pay even thoughi havent had to car in two months and im trying to resolve the issue. I just need some help i feel discouraged and stressed out.
We previously submitted complaint XXXX with our mortgage company Bank of America in XXXX 2015. We received a response, had a new Customer Service Manager assigned and were told to continue to make payments since our account was not foreclosed. We have not missed a payment in 6 months. We were also advised that if we had a change in circumstances, we should contact our manager to discuss alternate options available. To this date, I have attempted on multiple occasions to reach XXXX XXXX or someone in his office and have received no return calls. We received a letter today stating our account was being referred to foreclosure. Again, I called XXXX XXXX to call to discuss this letter and received his voicemail. I am extremely frustrated by the lack of communication we received prior to opening this letter. No additional options or attempts to contact us from their end were made.
Santander Consumer USA, an auto finance company was verbally told to no longer call me after a XXXX XXXX XXXX but instead to communicate with my wife.Since then I have gotten repeated calls from them all day every day using many different phone numbers. Even though I block these numbers they seem to have an inexhaustible supply of them. Numbers include but not limited to ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are actually a very small sample of the numbers I have blocked and yet still receive calls from every day, no voice message is ever left. My phone identifies these as bad numbers coming from Santander Consumer USA.
I have contacted TransUnion & XXXX several times about XXXX XXXX XXXX. This account has been reporting on my credit for over seven years. I asked that it be removed & they continue to report it.
Today is XXXX XXXX, 2017. Last week I checked online with XXXX to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with XXXX, Experian and XXXX by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.
I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus.
 XXXX  reported they used a 3rd party to verify the information which is   XXXX   XXXX  . I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information on my report.
It recently came to my attention that last year I was placed XXXX by Bank of America. At the time last year there was a check deposited into my account by XXXX XXXX XXXX. I do not know these people and have never had any contact with them. I have never received any checks or any other form of currency from them. They committed fraud at my expense. Bank of America told me at the time of the deposit that they were force closing my account and I would be banned from ever doing business with Bank of America again. They did not tell me I was being sent XXXX. I was in shock having been a valued customer with no problems since the 1980 's, Having just lost my husband and being under a Dr 's care XXXX it did not occur to me to go to the police nor was it suggested by the bank personell. Last month when I went to try to open an account to start a business is when I was informed XXXX and told I will remain there for 7 years. I in the meantime already had an existing account at another bank is another reason I did n't know about XXXX. I have contacted Bank of America asking them to remove my name XXXX and am still waiting a response from the bank. The only thing they have told me so far is that I waited too long to dispute it, but had I known the full extent of being sent XXXX I would have done it immediately. I would appreciate any help you can give me in this matter.
I am an XXXX for a debt collections law firm, I know the FDCPA and FCRA to a T. This company has called my brother who is XXXX, my father, my sister, my mother and myself. The first time they ever contacted me was XXXX XXXX. I was told the debt originated in XXXX iao {$600.00} through a payday loan online service. I have never taken out a payday loan in my life. And in XXXX, I was XXXX. I think I would 've remembered {$600.00} dropping into my account. They stated that they did n't have to send me validation because they are a 'mediation ' company and that they were going to pursue suit for the debt. My father LITERALLY had to call and harass them over and over for 2 hours before they agreed to take our numbers out of their system, because the collector told him he would n't stop calling us and that he did n't have to stop! And not before they cursed him out calling him an XXXX among other things. I have n't received any calls until today - XXXX/XXXX/XXXX. I received a voicemail from XXXX, threatening to call any other references I may have provided so I called back not knowing it was the same company. Today, the story was that the debt originated in XXXX at an in store payday loan provider ( I would 've been XXXX ) and it is for {$300.00} from an in store payday loan provider company called XXXX XXXX. I have not received validation, and if this debt is valid, I will file a police report for fraud. However, if this harassment continues I will get an attorney - XXXX. I spoke with XXXX today, and they did not verify any information ( which is required for consumer protection ) and GAVE ME MY OWN SSN! I have googled the number and the situation, and many others have deemed this as a scam. I want them stopped TODAY!! I have never received any phone calls from so called XXXX XXXX XXXX advising I had this debt, never received letters - if they 're so great at locating my entire family you 'd think I would 've received one phone call? Funny how that works. When XXXX realized I knew what I was talking about, he immediately said he 'd put a hold on the account and that I would n't receive any more phone calls. If this debt is valid they 're going to have to sue me to get their money because I 'll get that dropped and file a counterclaim against them for violation of the FDCPA and they 'll have to pay me 10X more than the mere {$300.00} they say I owe. I do not owe this debt - and this is a scam. Good luck NP Group, not getting one over one me.
From XX/XX/XXXX through XX/XX/XXXX I have been attempting to contact Equifax and XXXX to place a freeze and fraud alert on my credit report. Their websites continually do no load and/or process the request. Contacting via phone is always automated and at the end states " system is not available ''. When trying to contact an agent I receive a " busy '' signal. The automated prompts then indicated there is a freeze on my credit report, however failed to provide a pin to release it. 

There has been an egregious violation of protection of NPPI by these entities and an apparent deliberate attempt to taper or slow down volumes given their business model. Given the type of information they use, sell and profit from, they must have controls in place to effectively mitigate these types of risks. They clearly do not. Not only is this the fault of the company, regulators have failed the public as well given the lack of oversight of this industry.
I was offered a promotional balance transfer rate of 0 % APR for XXXX months from Discover Card. I accepted the offer over the phone and transferred the amount of {$2800.00} to my Discover Card. At no point was it clearly communicated that all other future transactions would be charged interest from the moment of the transaction until the monthly payment was made. I believe it was Discover 's intent to deceive me. When I called to ask them to fix what I believed to be a mistake they claimed that the terms of the balance transfer I had agreed to could not be changed and they would continue to charge interest daily on all of my purchases. Even though I have been paying the full amount of new purchases plus an extra {$200.00} each month they are still charging interest.
I checked my personal credit report, which I acquired from your organization on XX/XX/2017 I noticed an unauthorized inquiry had been made. I contacted XXXXXXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXXXXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter, XXXX XXXX XXXX
I am a XXXX XXXX in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have XXXX  loans with AES/PHEAA as the servicing agency and XXXX XXXX XXXX XXXX XXXX as the lender. The XXXX paid {$5200.00} towards my XXXX loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. I still have four more years of those payments plus one additional year of partial payment of approximately {$2500.00}. I am have been trying unsuccessfully to change my payment terms to interest only, so that I do not have to pay back money that the XXXX will be paying off on my behalf. AES has stated that XXXX XXXX XXXX XXXX XXXX have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. 

I am an XXXX XXXX who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money.
There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted XXXX XXXX who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact XXXX XXXX to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XX/XX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.