WillisBack/dataset-financial-user-claim huggingface dataset:
I brought my XXXX mini van in to be repaired at XXXX auto in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX chase credit card company of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?
Back in XXXX of 2017 I noticed something on my credit report from Diversified Consults in the amount of XXXX . I reached out to them by letter and they replied that the debt was for a XXXX account I supposedly had. I requested the debt be verified with a signed contract, a receipt, anything besides this company claiming I owe it. They replied with the same letter showing my name, an amount and XXXX name. I have subsequently requested this debt be verified in XX/XX/XXXX and again in XX/XX/XXXX. They have not verified the debt and continue to re-report onto my credit report every month, gaming my credit score. Not only is this an unverified debt, it is predatory collection as they know its not a valid debt and continue to report false and misleading information on my credit report.
My mortgage is being serviced by NationStar Mortgage and I keep receiving robo collection calls even after notifying them that I am under Bankruptcy protection in a Chapter XXXX case.
Bayview loan Servicing llc has added XXXX to my Mortgage that was sold to them by XXXX XXXX XXXX who did foreclose on me in XX/XX/XXXX.I filed for modifaction in XX/XX/XXXX and was denied stating I failed to return documents 4 times I needed that modafication my spouse XXXX XXXX do to injury 's from XXXX.I did the modifaction with Bayview with the interest rate the same 7.25 % for 45 years I had already paid for 16 years my balance was XXXX.I Have paid them for 2 years always ahead not behind. I provided a lot of evidence to the credit Company 's as of XX/XX/XXXX the credit Company 's have deleted Bayview Loan Servicing llc from my credit file.I 'm paid up till XX/XX/XXXX.Also they sent me 2 XXXX tax forms one under my info and another one under my name along with my XXXX Spouse under XXXX XXXX XXXX   XX/XX/XXXX.If you could please help me I have no funds since Irma.Much respect.I DO NOT OWE XXXX .XXXX SHOWS ON CREDIT REPORT PAID 100 % OF  MORTGAGE.
After 6 months, I finally received a credit to my Macy 's account for the bracelet and gift card that I never received.
Macy 's mailed a gift card to my previous address from  XXXX  and the tenant that was living in the home at the time stole the gift card. I made a purchase from my Macy 's credit card, never received the item, was charged for the item even after it was determined the item was lost and then paid interest on the credit card from XX/XX/XXXX  through XX/XX/XXXX .
I requested a full refund, the interest that was paid on {$880.00} for the past 6 months AND credit protection for 1 year which is {$14.00} per month per   XXXX   because Macy 's accused me of receiving a gift card for {$880.00} and then trying to file a false police report.
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Macy 's caused this issue and needs to take responsibility for it. I paid for an item by credit card and the refund should have been placed on the credit card not a gift card to a 7 year old address.
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I do not like the way this situation was handled and I am requesting further investigation asap AND I am waiting for the interest to be paid plus the credit monitoring. If you want the police report you can speak to detective   XXXX   and listen to him blame Macy 's for the entire situation. Seriously thinking about closing this account and posting my complaint to BBB on   XXXX   and other social media outlets!
I received a debt collection notice via usps mail from XXXX XXXX XXXX , XXXX. ( MCM ( XX/XX/2018 ) The original credititor is XXXX XXXX, original Acct num-XXXX. The MCM acct num is XXXX, the current balance is {$320.00}, the current owner is XXXX XXXX XXXX. I have neither received nor applied for credit from either of theses companies. I contacted MCM on XX/XX/2018 @ XXXX. The representative stated that the original creditor is XXXX. I have neither received nor applied for credit from this company either.
In order to move my cell phone XXXX to my Son 's account, we had to pay the balance at XXXX XXXX XXXX before they would release the number to be transferred to XXXX. At one point they said my account was closed and we could n't get the number back. The account was paid and we got the number back and XXXX activated my number under my son 's name XXXX XXXX. You may call me if you wish to verify. 
XXXX XXXX XXXX is notorious for their billing mistakes which wastes our time and money getting them settled. It seems clear that they sold my account to a collection agency right after i paid my bill in full and left them after years of being a loyal customer. My Son left them years previously because of billing disputes when they were XXXX. Turns out that they suspended his services because he went over their limit by {$6.00}. After weeks of discussion with their presidents office, it turns out that he was over because they did n't give him his XXXX % discount for bundled services. SO WE REALLY ARE NOT SURPRISED! 
XXXX
Adverse information was incorrectly reported to XXXX and XXXX, and it was later removed from those XXXX credit reporting agencies at the request of the collection agency. A version of that incorrect information is now on Experian, however, and Experian has not allowed me to dispute it online. I have been told by people dealing with the agencies that Experian will " grab '' information from the other agencies even when it is not reported to them. And now I find I ca n't get them to cooperate in correcting the record without paying them.
I did {$400.00} title loan in XX/XX/2014 with XXXX  XXXX XXXX XXXX , XXXX in XXXX Ohio, I have tried for the last 6 months to contact the company about the title since I never received my title back but I get nothing but a voicemail when I try to call the only number I can find for them.
I have made timely monthly payments to First National Bank ( FNB ) on my land mortgage for more than three years. It is an interest only loan whose term expired at the end of XX/XX/XXXX. I have been unable to refinance this loan because FNB recorded a late payment on my credit report in XX/XX/XXXX and XX/XX/XXXX despite receiving payments. Two FNB loan officers at different locations have attempted to refinance the loan but failed because of the FNB entry on my credit report. Three other lending institutions denied my loan applications for the same reason. FNB failed to respond to all attempts I have made to resolve the issue but continue to accept my monthly payments and also added a " late payment '' penalty of {$7500.00} to my balance. Now, FNB has referred my account to a debt collector who is threatening to foreclose on my property.
Stating that the address and phone number listed on the application verified to me, and the card was activated from a phone number that verifies to me DOESN'T SOUND SERIOUS!!!!!!!! In addition, identity verification was completed from the verified phone number during the application stage. 
Please I need the Proof that the person you tried to contact is ME!!!!!!!!!

First the account was opened without signature, second it was somehow verified without even understanding who is this person I need real proof otherwise you can sue me, it's even better for me as I can proof that I NEVER opened any accounts!!!!!!!!!!

I gave the proof ( I-94 form ) that I wasn't in a country at the time the account was opened.
Re : Complaint Number XXXX I have previously filed a complaint to you with regards to the refusal of Bank of America/XXXX XXXX to honour my instructions on being able to gain access and withdrawing my funds. Bank of America has emailed and written to me that there are no account records pertaining to my name. I have provided proof that the accounts exist as I've recently wired funds to one of my accounts in XX/XX/XXXX. The funds can't just vanish. I've also tried to contact the banker, XXXX XXXX in charge of my account via text message and she has refused to reply to me. There was an agreement between both of us that I will wire additional funds to my account and that they will, in return, wire back some of my funds to me on XX/XX/XXXX. They never did. I've tried to call her number in XX/XX/XXXX but there was no answer. I've been told by someone that the accounts have been closed without my permission or without informing me and the funds have been moved to another institution. In short, I've lost all my funds that I've remitted from XX/XX/XXXX through XX/XX/XXXX. I have tried to call the US Trust office in CA and the person said there are no account records which supports the letter saying such. I don't know what are the rules and procedures for retaining records of account owners. As far as I'm aware, banks in XXXX and generally in XXXX require records to be kept for six years from date of account closure. This is mandated by the regulatory authorities.
I have a loan with XXXX XXXX. 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 Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 120 days late.
I am a victim of consumer and identity theft fraud. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. Please remove all hard inquiries from XX/XX/XXXX until XX/XX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

XXXX and XXXX has already placed the security freeze and int the process of complying of my requests. XXXX and Experian are INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. You will be hold accountable in court. This is not just a civil case and it implies criminal charges. XXXX and Experian will be liable too for those criminal charges if they do n't act accordingly in the NEXT 48 hours of receiving this complaint. I DARE YOU! 

XX/XX/XXXX
Have been trying to get Ocwen Loan Servicing to close a paid off HELOC XXXX paid off XX/XX/XXXX ) and forward to title company so that sale of property can be completed since the XXXX of XX/XX/XXXX. ( XXXX days ago ) Closing was to be on XX/XX/XXXX at XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. XXXX, XXXX. I am the executor for the estate of XXXX XXXX XXXX XXXX deceased ) who was the mortgagee of this HELOC.
Looking at my credit report on XXXX XXXX I saw an account in collections and I never gave any company the right to share my information whatsoever. I see one for {$230.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this company and they have never sent me anything stating that I owe them. The last company I reported about this same account must have sold my information to this company. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).
Medical Business Bureau sent me a bill for {$93.00}. I did not recognize the bill and did not believe that I owed the debt. I requested in writing validation of the debt, I also followed up with a phone call. This company has never provided written verification of the debt. They are violating the Fair Debt Collection Act, which requires them to provide debt verification after a consumer requests it. Medical Business Bureau is violating this act by refusing to provide verification of the debt. The act states : " the collection agency must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. '' I never received this.
I have notified this complany both in writing and on the phone that this debt was included in bankrupcy and that the debt is over 10 years old they refuse to take it off my credit report and keep readding it and keep trying to collect on this debt I am sick and tired of this I want it off or I am prepared to sue for defermation of character and for the damage it has done to my credit
We have submitted XXXX complaints in the last 4 months regarding Wells Fargo 's incompetence with our Home Mortgage loan. We have requested loan modifications which continued to be denied without a thorough review. We have appealed and requested upper management to address all of our concerns yet we receive very little response with the inaccuracies not corrected. Prior complaint # XXXX Wells Fargo advised in the Rental Income section that the income was added correctly and the negative income was included in the monthly rental debt, however they did not show a breakdown of the rental debt where the negative income was included. Also, in the Re-entry Review Denial response Wells Fargo advises that there has n't been a large enough change to consider a new review, yet when we have contacted Wells Fargo to request a new review because we have raised rents last year which has increased our annual income by {$200000.00}, their response was that we do n't qualify for a new review - why not? Lastly, because we have continually been denied for modification due to Wells Fargo 's incompetence we have been forced to Short Sale our home to try and avoid foreclosure. We, along with our realtor and title company have requested updated payoffs in the last month however we have yet to receive this information. Our last payoff letter from Wells Fargo dated XX/XX/2016 is $ XXXX. Our home is currently listed for sale for $ XXXX. We had an offer for $ XXXX and on XX/XX/XXXX Wells Fargo countered at $ XXXX which is $ XXXX more than the listing and what we owe. Wells Fargo 's short sale department advised that a new BPO was completed on XX/XX/2016 and the value of the home is $ XXXX. We have just received a copy of the BPO and again the figures are incorrect. At the time of XXXX XXXX our home was listed for $ XXXX. The BPO shows that our home is XXXX sq ft ( our home is XXXX sq ft ), it only shows XXXX tax lot # XXXX ( missing # XXXX ), and it shows the sale price at {$150.00} per s/f. If the BPO was done correctly, our home @ XXXX sf x {$150.00} sf = {$750000.00}, plus the missing tax lot = {$210000.00}, our home 's value would be {$970000.00} which would be completely inaccurate. We have attachments to prove our case.
I scheduled an online payment on chase.com in XXXX of XXXX and XXXX XXXX that was not completed due to a flaw with Chase computer system. As a result the monthly mortgage payment was not paid on time. Generating, a negative credit rating. Chase has a record of me logging in for the payment both times. The company is refusing to correct the problem. I was told by supervisor XXXX that my credit would be amended due to rise with online payment errors. I was even instructed not to use the online account and just call in payments as free option. XXXX felt this would provide confirmation for my payment to avoid anymore damage to my credit.
I was advised by Collection Attorney not to go to final Court Date. 
I was never notified of final court date.
I have been paying XXXX XXXX, XXXX on a Home Equity Line of Credit ( HELOC ), loan # XXXX. TD Bank continues to incorrectly switch payments I designate as interest to principal and then show interest as unpaid. This has happened nearly every month for almost 6 months and I need to spend over a week every month going to a branch bank and requesting they correct the problem. 

Most recently, I made an interest only payment of {$230.00} to TD Bank on XX/XX/XXXX. Then, on XX/XX/XXXX, I made a {$750.00} principal payment. When I saw the XX/XX/XXXX payment online that same afternoon, it was posted correctly. After overnight processing, when I viewed the account online on XX/XX/XXXX, the payment was flipped out of interest paid to principal paid. Unless I hound the bank to correct this problem, TD Bank can report the unpaid interest for the month to all credit reporting bureaus as negative credit information that hurts my credit rating, which is in the mid XXXX. 

The XX/XX/XXXX principal payment first appeared as a split between interest and principal when viewed online the same afternoon as when the payment was made. Then overnight, the payment flips into all principal. About 6 months ago this problem started. It started around the same time as a former branch manager, XXXX XXXX, in the XXXX XXXX, FL XXXX XXXX office left the branch. She told me that she had spoken to the back office and told them to fix the problem. I think she may have told them to create the problem. 

TD Bank 's XXXX Florida branches and their staff all seem to be wholly incompetent. I 've dealt with TD Bank branches in the states of NJ, VT, PA and FL at various times and only the FL branches have continued problems.
i am trying to get a loan modification from abnk of america, and the keep asking me to send them more paper work, and more paperwork..My name is XXXX and XXXX XXXX XXXX, and my loan # XXXX
I originally signed up online for a checking account promotion in XXXX, receive a {$150.00} bonus for making XXXX debit card purchases within 90 days. In those 90 days, I made over XXXX debit card purchases but never received the bonus. It has been over 5 months, and every time I contact customer service, they give me the runaround, 'forwarding ' my messages to departments who never respond, or erroneously telling me to contact a third party company ( XXXX XXXX ) which fulfills an unrelated checking account bonus for a free phone. 

I would not have signed up for this account if I did n't receive a bonus. This was a misleading promotion because I never received the bonus, and TD Bank has given me no way to get this resolved through their customer service channels.
I lived in XXXX and drove to XXXX to opened a Chase checking account on XX/XX/XXXX.There is no Chase branch in XXXX, the nearest branch is in XXXX, which is 75 miles away from XXXX. 

Everything goes smoothly until XX/XX/XXXX, I received 2 mails at the same time. 
One is a requirement for XXXX form and SSN authorization. The first letter said that I have to offer these two files before XX/XX/XXXX, or my account will be closed. So I fax these two forms XX/XX/XXXX. 

The second mail told me my account has been closed since I did not offer these two forms. 

How ridiculous it is! The first mail is mailed by XX/XX/XXXX, and the second mail is mailed by XX/XX/XXXX. I received them at the same time. Although I have made efforts to follow instructions to prevent my account being closed, but Chase closed my account ( mail 2 ) before require forms ( mail 1 ) Chase made at least 2 mistakes. First, the banker did not let me fill XXXX form and did not take SSN authorization form, which later I found it at the files about this opened checking account, I have signed it but the banker did not bring, he just gave me will many other files. 

Second, Chase closed my account by mistake before the last date XX/XX/XXXX.  Although I tried to offer the missing forms, faxed them the next day, Chase refuse to reopen my checking account. 

I made many official complain by making phone calls to Chase, the stuffs did nothing but say sorry. They told me if I want I can drive back to XXXX and open a new checking account. I did nothing wrong, it is totally Chase 's mistake, why it is me to do all the thing? 

I spent a lot for the whole thing, including driving there to open account, making many calls to try to solve the problem, faxing the forms, but received nothing but sorry. My research sponsor was linked to the new Chase checking account, and it is late when I found this account was closed, so I have to change to another bank to receive it. This sponsor was about 1month later. 

This new open Chase checking account was with {$300.00} bonus for qualified direct deposit, so I can not receive it after the account closed. Is not willing pay {$300.00} the reason for closing my checking account? 
I tried to upload some images of relative files but failed.
My daughter died on XXXX XXXX, 2009. She had a private loan through what was then XXXX XXXX which is now Navient. Her loan was switched to my name without me being contacted. Every month, {$96.00} is being deducted from my back account. Upon co-signing for the loan, it was my understanding that I would only be held responsible for repayment of the loan in the event that my daughter defaulted on the loan. My daughter never defaulted on the loan prior to her death. Due to the fact that she died and never defaulted on her loan, I should not be held responsible for the repayment of this loan and this loan should be forgiven because of the death of my daughter. I have made several attempts to contact Navient regarding this matter and I have never gotten a response. I would like to be contacted by Navient to discuss the reimbursement of my funds and the possibility of loan forgiveness.
I have requested for loan modification to bank of America and was rejected. Yet my income is high and unable to meet with monthly payment. Instead of Bank of America working with me, they sold my loan to XXXX XXXX XXXX XXXX wihout completing modification. Bank of America wants to forclosed my house, because no one is happy with XXXX XXXX XXXX. Their primary duty is to complete a fast sale by employing fraudulent means.