WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, my XXXX XXXX was totaled in a hit and run. I was instructed by the finance manager of the dealership that I got the car to not continue car payments to M & T for months after the total loss as it was GAP insurance 's responsibility. My car insurance ( XXXX XXXX ) issued the there payment to M & T in XX/XX/XXXX. GAP insurance was working on the claim and was responsible for the remainder of payments and M & T was aware of that. I have not received any bills, balance remaining statements, breakdowns, final notices, or notifications of the payments made to M & T. I recently was applying for a home loan ( XX/XX/XXXX ) and they had me dispute the M & T loan on my credit report since I knew the balance remaining was not {$12000.00} since GAP paid. After disputing it with each of the credit agencies, on XX/XX/XXXX-XX/XX/XXXX, XXXX, XXXX, and XXXX all updated saying the M & T account was charged off/in collections since XX/XX/XXXX, which I had no notice of. They credit report claims that the amount charged off is {$2500.00}. However, they charged off the amount off {$12000.00}, which, again, was GAP insurance 's responsibility. GAP insurance made their payment on XX/XX/XXXX of {$10000.00}, which is not listed on the credit report either. It states that NO payment have been made since XX/XX/XXXX. Aside from that I was told they couldn't charge off an account if payments had been made, even if it was made by insurance. I, then, didn't receive a remaining balance until XX/XX/XXXX by XXXX XXXX. I've requested a breakdown of these charges from XXXX XXXX, as well, which I have been unable to get from him or anyone else at the company. I've been working with XXXX XXXX, XXXX XXXX, and VP XXXX XXXX routinely since XX/XX/XXXX with no one mentioning this account was charged off. They are aware that I had every intention of paying the remaining amount once all insurance claims were processed. I even offered to pay the balance in full if they would send me a statement of how they got to the remaining balance and for the charge off to be removed from the credit report, as this affected my co-signer 's credit score, too. They denied my request and said although charge-offs can be reversed, they were not going to do so since they feel the bank did nothing wrong. I disagree due the fact that when they charged the account off, I was not forewarned nor had GAP insurance made their payment yet, meaning the financial obligation wasn't mine at that time. I was never offered to set up a payment plan, nor did I receive a final notice. When I finally received my remaining balance on XX/XX/XXXX, I asked for a break down on how they got to that final number, which, again, was denied. They remaining balance does not match what GAP insurance said would be left on the loan nor what I once discussed with XXXX XXXX.
I have called on multiple occasions advising that the inquiries were fraudulent and I was directed by the companies to contact the credit reporting agency since I was affected by the past breach with Target in XXXX and the past Equifax breach when i put my information. 

The unauthorized inquiries are : XXXX XXXX Date XXXX/XXXX/XXXX ( This is unauthorized because I already had an auto loan with them no need to run my information XXXX XXXX Card Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Date XXXX/XXXX/XXXX Mariner Finance Date XXXX/XXXX/XXXX XXXX Main Date XXXX XXXX XXXX Main Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Department of Education XXXX XXXX/XXXX/XXXX XXXX I graduated in last XXXX XXXX and consolidated my loans they did not run my credit so i dont know what this is )
I applied for a checking account with XXXX today, XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ALLY FINANCIAL Account Number : XXXX Account Type : Installment Account Status : Open Monthly Payment : Date Opened : XX/XX/2015 Balance : {$0.00} Terms : High Balance : {$58000.00} Limit : Past Due : {$0.00} Payment Status : Pays account as agreed Comments : AUTO
A credit inquiry dated XX/XX/XXXX was made on my Equifax Report by XXXX XXXX XXXX XXXX in error. The creditor has contacted Equifax several times to remove it. The creditor sent a letter dated XX/XX/XXXX and was told it would be removed. It has not been removed. This was a soft hit made by XXXX XXXX on the same date. I have contacted Equifax and they refuse to take it off. 
It needs to be removed. Letter is attached. Make this happen it has been over XXXX months!
XXXX XXXX refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. XXXX XXXX reports an open XXXX XXXX Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with XXXX XXXX briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. XXXX XXXX kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at XXXX XXXX and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet XXXX XXXX continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.
On XXXX XXXX, I sold XXXX BTC for {$15000.00} on the XXXX cryptocurrency exchange. I then selected to have this money sent to my bank account using ACH. It was to take 3 to 5 business days or 10 total days. It never reached my bank account and there is no trace of it in the XXXX logs. I openned two tickets and have followed up with XXXX most days on this issue. I have called three times to follow up on this issue. Each time they say a specialist is researching it and they will get back to me. I never hear anything. I would like to have my money refunded to me. My XXXX case number is XXXX.
We purchased a home in XX/XX/XXXX and financed the home through US Bank. In XX/XX/XXXX we refinanced the home through US Bank. Every year US Bank fails to document the insurance we have for our home. It takes several phone calls, emails and letters. Every year. It just feels like a scam. 

This year they finally did it. They sent us a bill for {$8200.00} for mortgage insurance saying they never received a copy of the policy. Their letter is dated XX/XX/XXXX. We placed our Flood insurance at the end of XX/XX/XXXX through our insurance agent at XXXX XXXX XXXX. They confirmed they sent US Bank the required documentation by mail at the address requested. I called US Bank in early XX/XX/XXXX and was told they did receive all the necessary paperwork. On XX/XX/XXXX I received a letter indicating they had not received the paperwork. I called and got an email address and had our insurance agent email the documentation to the bank and copy me on the email. They next day I called and confirmed that US Bank had received the email. 

Today, XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX indicating that they purchased {$8200.00} in flood insurance SINCE THEY NOW CLAIM THEY NEVER RECEIVED DOCUMENTATION THAT WE HAD COVERAGE. THEY INDICATE THEY ESTABLISHED AN ESCROW ACCOUNT FOR US AND WE WILL HAVE TO MAKE ESCROW PAYMENTS TO COVER THE AMOUNT OF THE POLICY. 

This is nuts. They have no way for me to verify that they have received a copy of the policy other than to call. How am I ever supposed to trust this company? Do I have any recourse other than paying the {$8200.00}? My word against theirs? Why would I pay flood insurance twice? Nuts.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I purchased a vehicle in XXXX 2011 though Honda America Financial Services and was subject to discriminatory lending practices by way of a higher that normal interest rate given to XXXX XXXX Borrowers. I have spoken with XXXX representatives and neither was able to inform me of how to pursue restitution.
I have both Federal and Private loans with Navient. I began repayment in XXXX. I have had an ongoing problem with Navient constantly calling my phone at all times day and night up to XXXX XXXX. I have told them to stop and they do for a few weeks and continue. They also send me emails with reflecting the current payment. If its so much as 5 days late they send me emails showing the amount rising for the total of several payments progressively. 

My co-signer ( XXXX XXXX ) Contacted me in XX/XX/XXXX. He stated he saw I was making payments of {$80.00} towards the loan ( which is more than I was required to pay ) he co-signed for as well as the one I had on my own. Mr. XXXX called Navient and discovered they were placing the payments on solo my loan as it was the lower amount bringing up the interest and total balance of my co-signed loaned. What bothers me is that I sent checks via XXXX  XXXX XXXX to the two separate accounts. Navient took it upon themselves to place the money in toward the one account and raise the interest on the one co-signedhow is that fair anyway shape or form???. I called them and asked about this. The clerk I spoke to was evasive with answers. I told them I wanted a detailed breakdown of my Federal and Private loan accounts. I was told this was not a problem and they said they would mail it to me. I never received it. I suspect the same issue is going on with my Federal Loans as well. Navient is placing money and keeping interest by doing this making it an extreme hardship for borrowers. I would like this brought to your attention due to Navients recent criticism and allegations of illegal handling of student loans. I seek any and all relief due if available in the future. It is a sad state when corporations take advantage of people paying what they owe and trying to better themselves. If there was not an issue there would not be so many complaints about this corporation.
I 've been a cardholder since 2008 I have XXXX rushcards for different financial reasons due to past history of Identity theft. But now when it comes to me trying to use my card it has been and still is the worst nightmare ever. I normally have {$50.00} come or of my acct to put in my XXXX savings acct just to feel like I 'm apart of a bank, because rushcard is not accepted at most places ( prepaid ) and to now have to rely on this money to halfway get me by. I 've never experienced this yet with my card. I 've called numerous of occasions no response or i get placed on hold unknowingly if i do FINALLY get connected, or maybe even HUNGUP on after holding on for hours. Im still checking my mobile app and it 's still not allowing me to login, checking my online acct it may show that I 'm locked out invalid credentials ( user id/password ) or finally after answering numerous questions then it shows {$2.00} WTH.. I feel shameful to have to go to my mother for help with a XXXX old son who needs essential things that I ca n't afford right now or even borrow money from a payday loan to only not even be for sure if I would have the money to pay them back when it comes which is scheduled very soon. All these services fees are ridiculous, making XXXX be a fee free month is a SLAP IN THE FACE. Something needs to be done ASAP, this is unacceptable ... DO SOMETHING OR IM LEAVING RUSHCARD
Im in the process of buying a home, and searching my credit bureau I found a collection debt not belonging to me. I contacted the debt collector and verified I was not the correct consumer owing the debt and they agreed. I requested an email for my lender, clarifying the error, and they rudely responded they will not do that. I am not in their computer, nor am I customer. The then stated to figure it out with the bureau and hung up. They have knowledge of the account not being mine, yet they updated the large debt a few days ago on my credit report as being my debt. This erroneous or fraudulent report has caused my score to drop drastically, as well as halt my home loan completely. All my lender needed was an email stating that in fact it was not my debt, and they could continue the process. They knowingly pushed me away, after negatively reporting on my credit, and refused to correct the issue or attempt to make it right, and prevent me from suffering further undeserving derogatory credit. Without the debtors letter confirming Im the victim, I have no official proof or documentation to show the bureau and have it removed. Its in my opinion bad business practice to report erroneously on ones credit, and turn their back on the innocent victim instead of admitting the mistake and correcting it.
My ex husband and myself had a mobile home ( Home Mortgage ) with XXXX XXXX back in XX/XX/XXXX. I went through a horrible divorce as my husband was using drugs and failing to pay the bills which led to my having to divorce him. The Mortgage was in both of our names. We only had the Mortgage for one year and they got the trailer bc of being unable to pay debt. I was not working at the time as I had just given birth to my first child in XX/XX/XXXX ( she is now XXXX of age ) as this happened years ago. 

Now after 21 years, XXXX XXXX XXXX XXXX  filled a XXXX XXXX to the IRS and the IRS alerted me which caused me an adverse affect on my IRS taxes. 
I received a l letter from the IRS XX/XX/XXXX which stated that due to DITECH Mortgage sending a XXXX with taxable income of {$17000.00}, this could cause me to have to owe the IRS {$2900.00}. IRS Told me to contact DITECH Financial to dispute this and request that DITECH Mortgage rescind the XXXX in order ( so it is not XXXX, XXXX taxable income ). 

I contacted DITECH at XXXX spoke with a " XXXX '' and I TOLD HER THAT I did not want to be recorded but she did it anyways. 
I told her that I never settled on an amount of XXXX  XXXX of a debt from a mortgage that I had back in XX/XX/XXXX with DITECH nor did I ever receive a XXXX from them. I asked them to rescind the XXXX ( taxable income of {$17000.00} ) as this is a debt from " 20 Years ago '' in which I should not be taxed for taxable income of XXXX, XXXX on a debt from 20 years ago. However, XXXX refused to rescind ( reverse ) the XXXX. 
NOTE, I have suffered with my credit from this debt for over ten years and it was removed from my debt bc it has been over the 7 to 10 year period that the debt is lawfully removed from my credit. They can't go back 20 years later AND IN XX/XX/XXXX send the IRS and myself a XXXX form to tax me {$17000.00} for a debt from over 20 years ago that WAS charged off my credit report back in the year XX/XX/XXXX!!! this is very unfair and not allowed. 
ALSO< I disputing the fact that they kept putting this on and off my credit for over 20 years now and it has negatively affected my credit for way over the 7 year period. 
POINT BEING< IF THEY HAD PLANS OF TAXING ME AT {$17000.00} then they should have taxed me 20 yrs ago ( BEFORE THE 7 TO 10 YEAR PERIOD PASSED WHICH IS NOW WAY OVER ). If they were going to send a XXXX taxable income, they should have done this YEARS AGO NOT IN XX/XX/XXXX. I AM REQUESTING A COMPLAINT SUBMITTED AS THEY HAVE UNFAIRLY AFFECTED MY CREDIT PAST THE 20 YEAR PERIOD AND IT IS VIOLATING MY RIGHTS TO BE TAXED FOR SOMETHING IN XX/XX/XXXX ON A DEBT FROM THE YEAR XX/XX/XXXX
I have submitted numerous complaints with the cfpb, and each time the complaint is completed it is sent to Wells Fargo and it is sent to there loss midigation department and the same representative. 
The resolution provided are by far true. 
Conversations with the rep have clearly stated there were errors made with my title and that they have filed a claim with the title company. they had indicated they were investigating only to send me a letter stating they answered the complaint in XXXX. 
I have furnished them with a XXXX page complete title report in which there were XXXX liens prior to my modifcation and insist it was an error by XXXX XXXX. Sadly we know that not to be true that a complete title was not ordered by Wells Fargo, if it was, the facts would be there. They stated they showed a judgement when i completed the modification which we all know judgement 's do not show on title. The lack of purpose or meaning to the people at Wells handling this case is totally unexceptable. 
They claim to have people working on this issue in different departments but there is no true resolution since they cant admit the errors they made. 
I also had advised the rep of calls from there people in title calling and yelling at me telling me 6 months later that i had to resign a duplicate mortgage because of mistakes made, and there response is they spoke to me acceptable. Acceptable and no explanation on a duplicate mortgage?? Yelling at homeowers is still acceptable by Wells? 
I asked recently about a principle reduction that XXXX XXXX is offering and i was told i was n't entitled since i was n't behind in my mortgage in XXXX. XXXX XXXX rolled this program out prior to XXXX, and with just receiving the appraisal on my home 2 years later showing my property was worth XXXX in 2014 and a modification was given to me for XXXX?????? who does these things. They just send a letter apologizing???? That 's not legal! Neither is allowing a modification with with liens on property. 
I dont get with the OCC involved and all the new laws protecting borrowers how all these mistakes were made and are still being made. 
The office of the President doesnt review complaint, but sends these letters down. 
Does anyone care? 
Last is my insurance that was taken when i received my mortgage that clearly had the proper insurance that covered the condo fees if any errors on title were made, and Wells is saying that the policy did not have any. I do n't know how that is possible since i paid for it with Wachovia who Wells purchase but when they completed the mod they didnt include it.
On XX/XX/2018 I called Wellsfargo and paid in full the amount of XXXX wich was the whole amount of the debt owed. They gave me a confirmation number but they havent still reported to the credit bureaus.
To Whom it May Concern : In XX/XX/XXXX I requested a home modification with Citimortgage and was granted a modification in the amount {$1200.00}. In XX/XX/XXXX my husband and I filed for bankruptcy and although I was able to make the modified mortgage payment I knew that in XX/XX/XXXX the full rate and term would apply so I again applied for a modification to ensure that I would be on a better path financially and able to keep my home. In XX/XX/XXXX, I was granted a rate and term modification. The rate I believe was 3.5 % and the term granted was a 40yr loan in the amount of {$1800.00}. I began making the three-month trial payments and I signed off on my loan modification documents that were sent to my attorney. I was advised that the modification had to be approved by the bankruptcy court but to continue to make payments. Since XX/XX/XXXX I have been paying the amount agreed upon with Citimortgage. In XX/XX/XXXX, I discovered that the modification had not been approved by Citimortgage in the time requested and that I was now in default. <P/>I was advised by Citi to reapply for a loan modification using the Making Home Affordable application which I did on XX/XX/XXXX. Since that time I have resubmitted the application countless times along with over 85 email submissions with documentation including income, bank statements, explanations of deposits, explanations of income, explanations of condo fees, proof of insurance, tax documents, etc ... Every single time I submitted a document Citi mortgage would request something new. Additionally, Citi Mortgage has provided me with over 10 different Single Point of Contact/Homeowner Specialist. <P/>Today, I spoke to XXXX XXXX, Single Point of Contact for Citimortgage. He informed me that my application for modification had been denied. He stated that the Underwriter was not able to approve me Making Home Affordable application because the program ended in XX/XX/XXXX. I asked him how could that be possible since I have been in this process since XX/XX/XXXX. As recent as XX/XX/XXXX and XX/XX/XXXX I received letters from Citi Mortgage with the Making Homes Affordable application attached. If the program ended in XX/XX/XXXX why would they continue to send me applications after the program deadline? XXXX also stated that the underwriter tried to place my modification through another program and found that I was ineligible for it. <P/>Citi Mortgage gave me the run around for almost two years and it was n't until I threatened to file a claim with CFPB that they moved forward and denied me. It is my feeling that they did this knowing that I would have no recourse and they could step in and foreclose on my home. They are offering me no remedy after asking me to submit hundreds of documents.