WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from the XXXX XXXX XXXX about a claim debt that was paid by XXXX XXXX insurance who filed a claim on my behalf for an accident that happen on XX/XX/17. Nevertheless, XXXX XXXX is disputing they are responsible for the claim. However, payment was issued for property damage. I submitted a complaint dealing this previously. However, I have seen that this issue has been escalated. Now, XXXX sent me the same balance that XXXX XXXX is responsible for my claim. I am not responsible for this balance because payment was made to XXXX from subrogation of XXXX XXXX. The damages handle between the two parties was based of the information submitted by me to XXXX
Dear Sir/Madam, On XX/XX/2016 I made a purchase at Lord & Taylor ( L & T ) for {$290.00}. They offered a discount opening a credit card with Capital One ( CO ), which I did. That same day I paid the full amount owed. CO sent me a bill for the {$290.00} in XX/XX/XXXX. I contested, providing poof that the amount was paid in full ( bank statement ). I received a CO letter indicating they received my information and were investigating, and that no late fees, or financial charges will apply. This followed approximately 22 calls made/received to CO. They continued sending bills for the amount paid, adding late fees and started harassing calls that they were sending me to collection unless I pay the amount again. Their billing process and customer service do n't speak to each other and they are not following up with the investigation, which should have been pretty simple as proof of payment at the store was provided. It 's been approximately 120 days fromt the purchase and 90 days from my complaint to CO with no results. 
After almost two dozen phone calls and hours spent, it 's very clear that Capital One practices are deceiving and purposedly designed to by time consuming. Their customer service and billing department do n't speak to each other : the former sent a letter stating no late fees or billing will apply while in dispute, the later keeps billing me, calling me and makes threats to send me to collection if 'not ready to pay today '. 
The process seems designed to prey on individuals without the time, copies of receipts, or the money to make dozen phone calls and send copies of the receipts. I was fortunately able to do all that and still they keep harassing me.
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( TRANSUNION, XXXX  and XXXX ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX  credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. XXXX, Transunion and XXXX   have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/XXXX.
My name is XXXX XXXX. I have account with Ford interest advantage. I got the call from Ford interest advantage customer service that XXXX counterfeit checks were paid from my account. 
I tried to resolve this matter with the company but was not successful. I want my money back Please assist.
we have a mortgage loan with SunTrust Mortgage ( investor is SUNTRUST Bank , Inc. ) on a rental property in XXXX North Carolina. it was a 5/1 interest only mortgage after 10 years the loan converted to a 20 year fully am adjustable. the payments have more than doubled. given the vacation/resort nature of the property the property primarily rents and brings income in to help cover the cost of the mortgage during the summer months. but now we are unable to make the mortgage payment with a son in college and one going next year. the rental income for the 2018 season will not start coming in until XXXX so we will be unable to make XXXX, XXXX and XXXX mortgage payment. 
we had requested a modification of the loan terms so we could better afford the payments and cover with the rental income that comes in. Some major safety repairs to the deck also must be done or the people will not rent the home. double edge sword. ca n't afford to fix it up. we are looking in to short sale but after speaking with cpa, the cost will be over $ 75k at the end of the day. 
the modification was not approved as they performed a debt ratio that appeared we could afford it but they did not take in to consideration ALL debt and income has since declined. 
in the response to the modification, it stated that if the property is in the state of North Carolina, we could file a complaint with www.nccob.gov from that site, i was brought here
My PNC checking account overdrafted. I called customer service and the rep told me they could do a courtesy refund of the charges but that she was n't able to do it and the Money Management Team could process it. I had called before XXXX XXXX and she said they were only available between XXXX and XXXX. I  called back after XXXX XXXX and was told they would NOT issue the courtesy refund, contrary to what the original rep told me. They refused to honor her information and instead changed their actions after telling me I would be receiving a courtesy refund.
My wife and I fell behind on mortgage payments with XXXX. We started a modification process, however XXXX sold our loan to BSI Financial. BSI was not going to process our modification, however we filed a complaint about them with this bureau and BSI promptly contacted us and began our modification. 
Now, BSI approved us for a modification. I am just very dissatisfied with the modification because according to BSI they can not provide us with a better solution than a ARM because that is what we originally had with XXXX. My question to them was, then why the modification if they were not going to provide a better option. So, now we are looking to see if this is legal and/or is it true that a new lender can not provide a better mortgage solution through a modification? If so, where may I get further information on that? 
All we want is to be able to afford our home and retain our home.
Chase has been reporting past due payments to XXXX, XXXX, and XXXX. The reason is because Chase place a forced insurance on my note, when I already had homeowners insurance. I sent them proof of insurance and they corrected the problem in their system, but left me with past dues on all XXXX reporting agencies. I asked the mortgage department for help and they said it would be corrected in 60 days. This is totally unacceptable and needs to be fixed asap, because I am refinancing my home. They gave me a wrong fax number to send my complaint to and it was XXXX and I just found out today that it should have been sent to XXXX. This is totally unacceptable. My chase mortgage account number is XXXX. Please help with this issue
I purchased a car from DriveTime now XXXX in XX/XX/XXXX. The car history that was giving to me showed no history of the car being in any accidents prior to me leasing the car. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I lost my job and was searching for work. I stayed in contact with DriveTime of my situation and they helped me to get my payments deferred payments to the end of my loan. In XX/XX/XXXX and XX/XX/XXXX I fell on hard times as well and contacted DriveTime now XXXX of the situation I was having with making my car payments. They once again were able to get my payments deferred to the end of my loan. Stating that the late payments would n't show on my credit report. As of today I have on my credit report both from XX/XX/XXXX and XX/XX/XXXX showing on my credit report which dropped my score down majorly. Just recently my car broke down and I no idea on the reason why because my car was in job shape and taking car of very well. When the car was sent to a dealership to get checked out they pulled my car history and it showed XXXX accidents that were not on my original car history report. When I contacted XXXX of what happened I got the run around and they wanted me to send copies of my bills that were spent due the repair of my car. They told me there was nothing that could do to the time of me having the car. When I told them about the false car history report that was giving to me the did n't acknowledge my complaint. Also when asked about my credit report being affected from misleading or false information they told me again there was nothing that could to me and that they would not remove or do anything with both situations I have had with them.
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge. 

Thank you
On XX/XX/XXXX, I noticed a " credit account '' attached to my business account at Wells Fargo Bank from XXXX Today for {$6200.00}. This was a surprise since I did not request any such account. I called and communicated via email to Wells Fargo Bank and tried to cancel and each time they tried to convince me to keep it. In addition to that Wells Fargo Bank sent me a credit card for purchase of products from " XXXX '' a company that sells carpeting, even though I did not request for such a card. I finally was able to get Wells Fargo to cancel the credit account on XX/XX/XXXX, but was told that I would be responsible for any charges on the credit account. This is unacceptable. Wells Fargo has not right to play games with my account. This is a clear case of ongoing cross selling by employees that is continuing despite government investigation into Wells Fargo business practices.
This is a debt that I paid for cable service years ago when I turned in my equipment. This company placed this on my credit report before they even mailed me a letter so that I could dispute it. I checked my credit report the day that I received the letter from EOS CCA and it was already on my credit report.
I was owe money and the women owing me money sent a check via usmail to my address in XXXX. The address was not completed right and I never recieved it. Contacting her she told me the check was written on the XX/XX/2016 and was cashed the XX/XX/2016. She contacted her back and they sent me a copy of the check. I recieved a copy of the check with some scribble on the back which I assume is an endorsement. It has no other Id on the check. I never recieved it or cash it. I called the bank to advise them of this and to open an investigation. help. Thank you
The exact option for filing this dispute is not listed in the drop down menu above. This company is inaccurately reporting as the original creditor/lender on the XXXX credit reporting agencies. This is inaccurate information, they are a debt collector not a creditor. I have made attempts to have this information validated and updated/removed and have received no formal response to any letters I have mailed in.
In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXX XXXX   Checking account for the Month of XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.
Seterus mortgage company is the worst, most frustrating company. They have increased their monthly premiums {$300.00} since XXXX XXXX XXXX sold me to them. Interest rates are rediculus. Hard to reach a human being for any help. Have been hung up on. They have screwed up on so many occassions ... so frustrating. I tried to set up bank withdrawals which they screwed up, late fees acrued and dock to my premium ( not my fault ). They tell me taxes must be in mortgage until XXXX % of mortgage is paid off, interest applied of 6.125 %. 

XXXX, XXXX XXXX. XXXX, XXXX XXXX, mi XXXX XXXX
Unverified information reporting incorrectly {$1000.00} for inaccurate report of miss information on my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX
First of all, I started receiving collection letter addressing to XXXX XXXX that I had no clue of what they were about because I am XXXX XXXX. And then, on XX/XX/XXXX I noticed a collection on my credit report for the amount of {$1400.00}, account # XXXX, which was opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX  XXXX XXXX. I disputed the case with my credit bureau ( XXXX, XXXX, XXXX  ), and then I sent a letter on XX/XX/XXXX to the company. Unfortunately, I notice later that this collection remains in my credit XXXX  report.
On XX/XX/2016 I purchased a XXXX XXXX from XXXX XXXX in XXXX XXXX, Maryland. I told the salesperson XXXX to pull my credit for XXXX XXXX XXXX, he replied ok and proceeded to give my loan application to the Sales Manager. XXXX returned and stated that the Sales Manager stated that XXXX XXXX XXXX XXXX was offering me a lower interest rate then XXXX XXXX and that will keep me in the price range of my car payments that I am seeking. I responded yes and instructed him to inform the XXXX not to pull my credit no more after he pull it for XXXX XXXX XXXX. He proceeded to the Sales Manager desk to inform him that I agreed to be financed with XXXX XXXX XXXX XXXX. After everything was done. I went into the finance officer 's office to sign the contract. The signed paperwork stated XXXX XXXX XXXX was my finance company. As time progressed, I did not hear anything from the dealership or XXXX XXXX XXXX so I decided to contact them on XX/XX/2016 since my 1st car payment was to be due on XX/XX/2016. I learned on that date from the finance manager that my car loan was financed with M & T Bank and not XXXX XXXX XXXX. I informed the dealership that I have not received any phone calls from them telling me that the lender changed from XXXX XXXX XXXX to M & T Bank. The finance manager provided me with the number for M & T Bank. I contacted M & T Bank and spoke with XXXX, Bank Manager. She apologized and stated that I can make a payment over the phone. I told her that I was not aware that they were my finance company and that I had no paperwork stating such. She said my simple contract has my signature with their bank name on it. I asked her to send me a copy due to my simple contract stating that XXXX XXXX XXXX is my finance company. To date, I have not received any information from M & T Bank and feels very uncomfortable with giving them any monies without seeing some type of paperwork from that bank. My car payment is already past due from them not sending me no paperwork. I am concerned about XXXX XXXX stating that my paperwork was a typographical error and they were not doing anything deceitful. At the present moment I am in limbo because I do not know where to turn to go to get this matter resolved. I was seeking legal advice. I contacted Maryland States Attorney Office and await a return call. Could someone please assist me in this matter?
Since the inception of my vehicle loan with Ally Financial I have paid over the required monthly payment. Each month I have requested that the amount paid over be applied to my principle balance. It appears that interest is being deducted from the total amount paid and not from the payment due amount. I believe the amount paid over the payment that is due has been misappropriated throughout the duration of my loan.
Transunion  XXXX   XXXX  are reporting an old tax lien and it is inaccurate. It was a pre-lien and it should have been less than {$1000.00}. I have never had taxes that high. It was released shortly after but how is it valid they can just put whatever amount they want on your credit and its valid? The State of Ca even says it was an error.   I thought there is a new law coming into affect  XXXX / XXXX /  XXXX   regarding public record reporting? This needs to be deleted as it is completely and utterly INACCURATE!!! NOT VALID!   a $  XXXX  pre-lien for maybe {$900.00} worth of taxes for a current year?     How can they even give you a lien for a year that has n't even ended yet so you can file taxes?
I obtained a private loan with Wells Fargo for living expenses during grad school. It involved XXXX separate loans that accumulated each semester as I needed more as I went through grad school. This totaled to {$120000.00}. When I graduated XXXX XX/XX/XXXX, I had to wait to pass the board exam and obtain a job. I took over 1 year for that to happen. During that time, I had to go into forebearance with WF. When forebearance was up, I still did n't have the position, and I could n't pay the monthly repayment amount when forebearance was over. I ended up accumulating about 4-5 months of missed payments because I could n't afford it. I ended up getting a position which I started XX/XX/XXXX. It pays well, but I have additional debts : federal student loan payments for XXXX tuition, XXXX school, my wife 's XXXX loans, XX/XX/XXXX back taxes ( there 's a lien on our home because of this ), and a stack of credit card debts which one has gone to collections because I can not afford all of this even with my new income. I am trying to salvage what credit I have left. So ... ..lately, I have spoken with WF 's financial assistance people because they sent me letters and emails wanting me to call them to discuss " options. '' I spoke with them, and I told them my new income, my financial situation, and I can not pay their required monthly payment. One week later, they called me and stated that they can not work out any income based repayment because I make too much, and they can not lower the monthly payment because it would be subsidizing my other debts that I 'm trying to get under control. Because of my additional debts, my credit score is quite low, so they wo n't consolidate/refinance. They are threatening to " charge off '' my loans if I do n't pay {$5000.00} in back payments and then continue to pay the monthly {$1200.00} amount. They tried to explain to me their perspective of debt to income ratio which unable them to work with me in any way. 
So ... ..my complaint with Wells Fargo is this ... .... They are refusing to work with me on a lower monthly payment that I can afford in order to pay them back. They are threatening to charge off my loans at the end of this month. They are about to ruin me!
The company contacted me on XX/XX/XXXX with a VM telling me that I have been summons to court and legal action will be taken with a number and case number to call. I did not recognize any information that he was giving so I proceeded to call and got on the call with a representative that told me that I would be served at one of the addressed listed if I do not pay a certain amount I repeatedly inform the rep that I did not know of a XXXX XXXX, and or another name they called. The rep went on to say that they are XXXX company that is representing them I asked why I have not been served and how can I get a summons on acct information that I did not sign or authorize use. The rep kept insisting that I make monthly payments and or full settlement offers. I decided to move forward with my complaint because I felt that I was being threaten to make a payment ore I would have to go to court, I do have the conversation recorded on my phone and the voicemail that was left.
I found this an entry on my consumer credit report from ARS. I have no idea what this debt is and attempts to have it verifified have been unsuccessful. In addition the debt reports with a balance of {$670.00} and a start date of XX/XX/XXXX on XXXX and XXXX, but reports from the same company with a balance of {$6500.00} on XXXX and a start date of XX/XX/XXXX. In addition it is listed twice on XXXX. This is unfair and illegal credit reporting. This company has failed to provide any verification of debt
I 've contact Midland Funding by letter, sent via XXXX certified mail, to obtain debt verification. XXXX refuses to respond by sending the information I requested, but continues to report this unverified debt to the credit bureaus. Upon researching, this is in violation of a XX/XX/XXXX XXXX obtained by the Consumer Financial Protection Bureau for XXXX to stop collecting debts that can not verify.