WillisBack/dataset-financial-user-claim huggingface dataset:
I have had the Loan with XXXX XXXX XXXX of the car i purchased in XXXX of 2018. I have been paying {$350.00} in the XXXX of every month till XXXX when without notice all our Contracts were sold to another company. Not one time did they report any of the payments on the account. I was told it would be 30 days since the opening of the car loan. That didn't happen, contacted the company at the end of XXXX to address issue and was hung up on multiple times. Asked to speak to manager and it didn't make a difference. After no notice of the change in company I was told by new finance company that XXXX XXXX has not reported any payments since XXXX of 2018. When i contacted Westlake Portfolio Management LLC in XXXX i was told that it would see it the first week of XXXX for it to report. Spoke to someone in the company beginning of XXXX that reports to the credit and she stated that i should see it in the next 5-7 days. I waited till XX/XX/XXXX when it was still not reported to my credit still and was told it would be escalated to a manager. Still heard nothing regarding this from Westlake about this issue. I spoke with them today and got two different stories from an employee and a manger that went from 30 days to 60 days and that its a transfer loan so its going to take much longer to report. They didn't give me a definite answer on whether or not it has been reported and filed, I keep being told you will should see it next month, and its not on my credit report. Its difficult because I keep being told you will see it next month and nothing is being reported and how are you supposed to rebuild your credit when you are making your payment of {$350.00} every month from XXXX till current month being XXXX and its not being reported.
I recently opened an XXXX and PayPal account to sell products online. After opening the XXXX   account as i expected they places certain restrictions on ny account to avoid fraud during the first 90 days. After which they remind ed those restrictions. Shortly after the restrictions were removed by XXXX, PayPal their sister Company then placed the very same restrictions on my Paypal account that XXXX had just released wherein they were homsing the buyer payments until the buyer receives their item. When I contacted them to ascertain why they were doing this they would not give me an answer even though there was no history on the account of any wrongdoing. I was advised by PayPal to get around the hold I should contact my buyers and negotiate with them to lie and say they had recieved the items they purchased from me even though they had not. In effect giving buyers the ability to blackmail sellers into giving them price breaks or partial refunds in exchange for the seller claiming they received an item they clearly had not recieved. This would cause the seller to lose money and the buyer to surrender their rights to any claims via PayPal but would in fact benefit Paypay as they could then deny any potential legitimate claims made by buyers. What XXXX doing is basically encouraging both blackmail by buyers so sellers can get money that is being unjustly held by PayPal who in turn is getting interest from said held funds and unjustly denies the buyers any future claims as a result thereby unjustly enriching Paypal.
First let me say I 'm a member of the Armed Forces for this great country & take a huge pride in protecting it but I 'm totally against people being taken advantage of. I obtained a loan through this company & made payments on time. Shortly after I spoke with customer service & asked if i made a large payment could it be forwarded to future payments so I would n't have a payment due for about a year, they informed me that this was okay for me to do so I made the large payment. About a week after making the payment I checked my account status online & yes it stated that I indeed do n't have a payment for a year. 6 months down the road I get a notice about a payment being due so I called in & explain the arrangements that were made & they told me that it was a mistake & payment was now due. Of course I 'm furious, the rep advised me that they would escalate the issue & someone would call me back. I even had the rep look into my payment schedule & he agreed that he didnt know why i have a payment due when the online payment schedule even states that its not due for another 6 months. When a higher up called me they informed me that my payment was past due & a mistake had been made, i even looked online & behold they had changed that status to reflect that my payment was now due instead of the aformentioned 6 months. I 'm on a fixed income & ca n't afford to be swindled out of my hard earned money. This company has even reported negative marks on my credit report. I want this bad report removed from my credit profile. I 'm already considering contacting the local media about this issue in addition to letting all my family, friends, & co workers know what kind of business practices Avant is in to!
I am currently an XXXX in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am overseas, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a XXXX, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.
On XXXX, I was in contact with a manufacturer for some items out of XXXX XXXX, and we agreed on XXXX payments ( XXXX for {$150.00} transaction ID XXXX and XXXX for {$120.00} transaction ID XXXX ). The items have not been made, they have not been shipped, the manufacturer wo n't send pictures of the items because they items do not exist, and all I get is excuses. I had originally been quoted 30-45 days from date of first payment. As of XXXX, I was told the items were turned back at customs. I reached out to PayPal for a dispute, but since I was assured on day 15 of the 20-day window for the dispute the items would be done, the dispute was closed. XXXX, I reached out to PayPal and they told me they wo n't open a claim because I did n't follow up in the 20-day timeframe, and my bank only allows disputes after 60 days of initial transaction.
Finance company reposed my car claiming my payment was {$70.00} short now I must pay tow fees of {$250.00} this is after being told by their employee in XX/XX/XXXX that I only needed to pay $ XXXXthen and another XXXX which I did because I was late with the payment by 3 days. Now when I call back speaking with XXXX different employees ( XXXX, XXXX, XXXX ) I get XXXX different amounts that I need to pay to get my car back. When I ask for it in writing because of the different amounts they do not send anything in writing.
Synchrony Bank has XXXX derogatory accounts listed on my credit report via JC Penny and Walmart. Both accounts have remarks that state " paid after charge off to XXXX party collections. '' I called synchrony to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.
On XX/XX/XXXX, I received an email from XXXX/XXXX  which said that, if I apply for the XXXX XXXX XXXX by XX/XX/XXXX, I  would get XXXX bonus award miles after spending {$2000.00} on purchases in the first three months the account is open and a {$0.00} Intro Annual Fee for the first year. On XX/XX/XXXX, I applied and received confirmation that my new card was on the way ( attached ). I spent more than {$3000.00} within the first month of opening the account, more than qualifying for the XXXX rewards miles, but XXXX/XXXX  only awarded me XXXX miles, not the XXXX promised in the email. I have called XXXX/XXXX about this issue twice, and they have told me that I did not sign up for the XXXX mile offer, but for a different offer that awarded XXXX miles after spending {$1000.00}. I do not even remember receiving that offer. My understanding from the XXXX XXXX email was that, as long as I ( a ) applied with my rewards number by XXXX XXXX, and ( b ) spent {$2000.00} then I would receive the XXXX miles. I did both A and B, but they are now refusing to honor the XXXX miles promised in the promotional email. XXXX/XXXX says that I am trying to " change the offer I signed up for and that offer is now expired '', but I am not trying to change my offer. I am trying to get them to honor what they promised in the XXXX XXXX email. I thought that is what I would receive when I signed up and spent {$2000.00}, which is why I saved the email. By sending the XXXX XXXX email that it now refuses to honor, XXXX/XXXX made an unfair representation that mislead me, a reasonable consumer, into signing up for their card and spending my money with them. I have called XXXX/XXXX three times about this issue and they have told me they do not have the power to grant my request, even though it is what they promised in the promotional email to me.
I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XXXX18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf.They have just stopped sending me all correspondence all together. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.
I was sent a letter by an attorney  XXXX   XXXX  with  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX  CA  XXXX . They stated that I owed  XXXX  to  Capitol One  Bank  XXXX .  XXXX   XXXX .  XXXX , VA  XXXX , and they were going to obtain judgement against me for that. This letter was dated  XXXX   XXXX ,  2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them.   They wrote me back a letter with reciepts attached f rom Capitol One Ba nk. Not what I requested? Nor was it any help to me.   I am going to reply to both  Capitol One a nd  XXXX   XXXX   XXXX , but have not yet done so as I am requesting help from you.
At this point, I have no other direction to go except by filing a complaint against Navient. I have XXXX private loans ( currently, XXXX ( XXXX ) is being paid on monthly ; the other private loan, supposedly WAS in default. My federal loans have been consolidated. It is quite difficult communicating with Navient 's representatives because ONE individual IS NOT assigned to my file. It is numerous individuals. There are days that I receive calls 3, 4, 5 calls a day. The latest was XXXX XXXX, XXXX. I actually spoke with the individual. I informed them that I was on the phone seeking help from another agency in guiding me through this loan repayment processing. Navient 's representative was not listening ; thus, I became agitated because the representative was demanding payment. " So, are you saying that you are not going to make a payment. '' I hung up and continued speaking with a representative from XXXX XXXX XXXX. Two minutes later, another Navient representative called me back with the same arrogant, threatening tone,. Again, I hung up. I informed XXXX of XXXX XXXX XXXX of my issue. He attempted to help and logged into the system. It was at that time, we realized the private loan was not in default. In XXXX, I can recall a Navient representative informing me the XXXX loan was in default. As a matter of fact, per their documentation, both are now being financed through Navient XXXX Corp., not the original lender.. Notation on the loans are '' interest rate, variable, set by lender, Navient. '' This was the first that I have heard of this. I am being " robo call '' so severely, that I attempt to " block '' the number to no avail. Why? Because they call from different numbers. The latest is XXXX. This is the number they continued to call me from on Monday, XXXX XXXX. Although they telephoned, XXXX and XXXX. respectively. I received another call from them at XXXXeven though I had spoken with them earlier that day. Prior to filing this complaint, I have been receiving messages from a XXXX, XXXX, and many more Navient employees, 3, 4, 5 times a day. I have been completely stressed from the harassment. I have lost weight, pulled out my hair, and my skin has became seriously inflamed ; all from stress. I do n't understand the relationship between XXXX XXXX and Navient, but Navient is by far the WORST.
Experian Has refused to send me documentation used to " verify/validate '' the debt that I have several times I have requested. Experian on numerous occasions sends me computer generated responses and does not look into the full extent of my dispute reasoning. Experian says taht I need to provide additional relevant information and information that was not presented when previously disputed. Well if Experian would actaully read the disputes and notice that I am asking for documentation and information that was used in the alleged " verification process/validation process ''. If they would answer that response than my letters would stop but since they have not answered them than I have every right to dispute and send letters. Experian has an obligation to fulfill the requests that the consumer asks for.
I have asked Diversified Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
On XX/XX/XXXX I realized that I had paid my last 2 car lease payments through my debit account to Chrysler Capital instead of XXXX XXXX. Once I contacted Chrysler they asked that send via fax copies of my bank statements proving that the payments were taken out of my debit account and sent to them. I faxed them the next day showing that 2 payments were made in the amount of {$360.00} on XX/XX/XXXX and XXXX XXXX of 2017. I contacted Chrysler a few days later to make sure they received my faxed information and they said they did and that I would be receiving my payments within 30 days but after speaking to a supervisor they would try to expedite the refund. On XX/XX/XXXX I contacted Chrysler again seeing the status of the expedited refund, still no information other than Id be receiving it around XXXX XXXX, 2017. I again asked to speak to a supervisor begging that they expedite this process and get me back my 2 refunded payments in the amount of {$730.00}. On XX/XX/XXXX I contacted again to see if the process had been expedited and there was no further information other than I would either be receiving a XXXX Gift Card or a check in the mail. I explained I did not want a XXXX Gift Card, I wanted the money deposited back into my debit account or a check. XX/XX/XXXX I contacted Chrysler again because I did not receive a check or gift card on the day as promised. I spoke with a supervisor again and he informed me that the XXXX Gift Card was sent out that day. Today is XX/XX/XXXX and I still do not have a XXXX gift card. The supervisor told me that I was to receive a XXXX Gift card since the refund was under {$500.00}. I expressed that the refund should be in the amount of {$730.00} because it was 2 payments that Chrysler accepted after my lease was up! The supervisor said they only had notes of 1 payment. I explained that that was incorrect and that I had faxed all documents needed to expedite the process for my full refund. The supervisor said hewould send the message along to the finance department and they would be contacting me within 24-48 hours. Well it has been the 48 hours and still nothing, no refund, no call, no XX/XX/XXXX Gift Card.
I have a credit card with XXXX XXXX. A type of service through them was added to my account with out my knowledge or permission. When I did not pay them for this service they added late charges to the amount and have recorded my account over 30 days late on my credti report.

I never keep a balance on the account and when I last used it for purchases those were paid in full.
I have been working with Experian for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Experian? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Experian? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to me. I also see they added a collection from XXXX that doesnt seem to be on any of the other bureau so I am surprised that this is on here at all. There is no evidence of past due history or proof of sale or anything ... .I dont know where this came from at all! I really need some help here.
The debt has been addressed, discussed, settled and disputed with client and XXXX other collection agencies. It is agreed that debt should no longer be collected for reasons stated previously. 

Dispute of Reference No. XXXX | Client Acct # XXXX Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Hello, In regards to the XXXX report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of Equifax reporting inaccurate information under my name and social security number. I went thru XXXX years of having a gawd XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. Azz wipes! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD NOW!
I issued a check to Dillards in XXXX and it never went through then received another statement in XXXX stating it was paid due. I called on XXXX XXXX, 2015 and paid the {$2.00} over the phone and was given a confirmation number. I called today XXXX/XXXX/15 to verify that the balance was showing XXXX and it still is showing the {$2.00} as past due. I am very upset because this is showing up on my credit report. Also, the woman stated that they tried again and it would not go through using my debit card. There is something wrong with Wells Fargo who is handling Dillards. I am going to the store tomorrow to pay this off. Can you please inform someone of their practices.
I am not sure if anything can be done about this but I have a complaint about Chase bank and their way of handle CD 's and renewals. It is almost impossible to get your money out of an automatic renewal on a CD account. If contacting the bank they will never end the automatic renewal to allow you to access your money after the maturity date. I don't think that this is a good practice as it allows only 10 days to contact before they begin the automatic renewal again even if you have contacted them repeatedly and asked for the account not to be automatically renewed. I will be contacting them again to get this renewal stopped on XX/XX/XXXX.
Equifax sustained a data breach that compromised my personal information and puts me at increased risk for credit fraud, identity theft, and hardship. 

I 've already had to spend {$21.00} on credit freezes and multiple hours of my time in order to fully research the situation and protect myself as best as possible given the tools available to me.
My  Citibank Loan, w hich was opened in  XXXX  for my college term of  XXXX , was never once paid ( not  one  penny ) so I technically 'defaulted ' on this loan in  XXXX . While I know that this is n't a great thing to do, my financial health right out of college was not great. Forward to  XXXX   XXXX  of  XXXX  and this loan magically appears on my credit report. The " Date Account Opened '' is correctly listed as  XXXX   XXXX , but the " Date Account Closed '' is listed as  XXXX   XXXX ,  XXXX  - 3 years after I defaulted on this loan. This coupled with the fact that it just recently appeared on my credit report makes it seem like a recent debt that I have defaulted on, which is NOT CORRECT as this was defaulted on 4 years ago at this point.     Also, listed in the details on my credit report is a note saying that " payment is deferred until  XXXX  ''. I have NO IDEA where this date came from because, like I have already stated, this loan was defaulted on in  XXXX . I have not had any contact with deb t collectors about  this loan, so I am not sure what person magically picked that date out of the air for my loan to go into repayment 5 years after I was supposed to start paying it. I would love to see this fake agreement in writing or some explanation!     I am guessing that this is an attempt f or Citi to f orce me into repaying them by " re-aging '' this debt, but I ca n't be sure. In any case, this old defaulted loan ( again, defaulted in  XXXX , never paid them  one single  penny ) is appearing on my report as only being closed a few months ago, which is NOT TRUE.