WillisBack/dataset-financial-user-claim huggingface dataset:
I entered into a contract with XXXX XXXX XXXX XXXX in XXXX, Ohio ( buy here pay here auto sales ). The car sold was a lemon and the transmission died on the vehicle early in the loan. XXXX XXXX Would not help me and sent me to call Guardian Finance whom bought out the loan on the vehicle. I was told by XXXX to send the car to an approved auto body shop and she would approve for the car to get fixed ; then she would take the price of the fix on the car and put it on the back of my loan. XXXX reneged on this deal after a verbal agreement was made. XXXX approved for the car to get fixed then told me I owed upfront for the car and an incurring balance for the car 's loan. I was unable to pay {$3000.00} for this process and the car was commandeered instead. Guardian Finance sued me for the {$3000.00} ; posted on my credit report that I owed {$3500.00} with them and {$3000.00} with the courts. The creditor proceeded to harass me and my family for the money telling family and friends that I owed on another amount for the loan. Now, Guardian Finance has reported on my credit report that I owe them {$8000.00} instead of {$3500.00}. This car was resold after being fixed.
on XX/XX/17 I sent letters to equifax, XXXX  and XXXX  requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.
I paid off my debt 100 % almost a year ago, yet the same account that I paid off in full, remains on my credit report. I have called the debtor & spoke with several different representatives regarding this matter/situation. I have been working on clearing/paying off all of my debts. This is the only XXXX that has been left on my report even though it has been paid in full. The debtor, XXXX XXXX XXXX, WI, seem to not know why it remains on my report or even how to have it removed. I have asked them several times to report that it has been paid in full, but it 's not working for whatever reason. but, they did send me a confirmation letter stating that the account has been paid in full & that there is a 0 balance. How do I go about clearing this up, free of charge, as quickly as possible?
I have been getting calls from Discover Student loan almost daily, some times more than twice a day. Early morning, late night. I spoke with my Account Manager to arrange payments of {$300.00} per month. I have been making my payments online through XXXX XXXX. It did n't stop the calls and emails saying that I missed payments. When I spoke to my account manager, although they are trying to be polite, they are very condescending and keep saying I am not making payments which is not correct. Unlike XXXX XXXX who is more willing to listen and give more information on how to pay without putting me and my family ( I am single mother ) in financial hardship, they kept asking me " When in XXXX XXXX next month ) can we start the payment of {$680.00} XXXX which is more than double of what I currently pay )? '' They practice of debt collection should not be legal and I do n't believe they are disclosing information and options for my loan payments. 

I know XXXX XXXX is not perfect, but they at least talk to me like a customer and a human. They give me the opportunity to present my expenses and income and work out a number that will work. Not a " sales '' call to get as much money that I can not afford out of my paycheck and threatening to take legal action, threatening me not to ever take my loan out of default unless I pay everything off.. the whole {$23000.00} with interest, even though I make payments monthly? That is putting a burden on my finance having that on my credit history for however long it takes me to pay that off. instead of working out a number that can work for both side in a long run. That is a big chunk of money that they requesting. They absolutely do not care about education loan industry. They should be not be providing student loan with the collection practice.
Bay view loans continues to report that I have an open account and that payments are incorrect. I have already signed a legal document that states the mortgage and dead have been surrendered to   XXXX   XXXX  .   XXXX   already shows the corrected information that matches the legal document, yet   XXXX   XXXX   is still receiving incorrect information. All documents have been filled with the court system.
XXXX XXXX XXXX XXXX has been contacted multiple times by me ( see the attached collection account validation letters below ) in order to verify my debt that they are claiming I owe. XXXX XXXX XXXX XXXX is in violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have asked XXXX XXXX  multiple times to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They have simply responded to me with a bill of the charges they claim that I owe ( which a copy of their responses is attached below ). XXXX XXXX XXXX XXXX refusing to provide me with the required debt validation outlined above is in violation of my rights under the Fair Debt Collection Practices Act. Due to the fact that XXXX XXXX XXXX XXXX continues to report this account on my credit files without providing me with the proper verification, I'm now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from XXXX XXXX XXXX XXXX by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I've also made XXXX XXXX XXXX XXXX aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act ; therefore, if XXXX XXXX XXXX XXXX does not immediately remove this account from my credit report or provide me with all of the verifiable debt validation requirements outlined above, they are subject to another {$1000.00} fine, plus punitive damages.
XX/XX/XXXX XXXX XXXX now it 's NAVIENT Amount taking out in XX/XX/XXXX was {$5800.00} Amount now in XX/XX/XXXX is {$5200.00} Plus accrued interest each month {$50.00} Interest rate XXXX Pay in so far {$11000.00} Auto pay month payment {$110.00} I keep contracting them try to understand why this loan keep changing and not being pay off. It 's been 14years. They told me it wo n't be pay off until XX/XX/XXXX. They continue to change the monthly fee. They said it was a 48 month loan. When I spoke with them today it was 189 month loan. So I ask once again for the paperwork on this and it will take 2 weeks found it and send it out if they have it. They will put in a request for the paperwork and payment history. I have ask several time to send me a payment history. They said they would and I still have n't seen it. I keep talking to them but its going know were. I get lots of excuses. It 's pretty bad I had to complain to BBB so they can contract NAVENT to figure out why I did n't have account when I called. But was being bill each month NO PROBLEM. They sure no how to take the auto payment for XXXX each month too. They continue to be rude and to top it off they always put you on hold 5 to 10 min so they can look up information each time you ask a question or your call gets drop. Then you have to start all over again when you call back. Then they still do n't know what I 'm talking about it. I have try to pay it off and they wont let me and take off co sign they wont let me. I do n't feel my co sign needs to be on here any more. I have great credit. They will not let me Refinance either. I have try everything. I have talk to my bank they do n't understand why this not payoff or why they there not working with me. The interest that has been paid in is way more then they have every seen for a loan of this amount XXXX loan. PLEASE HELP STOP THIS MADNESS.
I have been a customer of Navy Federal Credit Union for 6 years. They continue to take advantage of veterans using unfair business practices and misleading information. 

I did a lot of research for getting a debt consolidation loan and collected my balances, income information, and various other documents in order to apply. 

When I applied online, I was not given the option to even provide this documentation and was automatically denied by their automated system. Usually with banks they will at least evaluate the situation in order to find the best solution. Instead I was just treated not like a person at all. 

After contacting the bank they refused to work with me, or hear my case out. 

I've had several issues with Navy Federal over the past 6 years and feel like they take advantage of veterans by advertising they specially cater to them when in reality they don't.
On XXXX XXXX, 2016 I received an email that my computer was infected with a virus and I needed to pay to have it fixed by XXXX. I used my Discover card to pay before I realized it was a scam. On XXXX XXXX, 2016 while I was trying to resolve the issue I was transferred to XXXX because they said I needed follow up work. I paid {$240.00} to XXXX account with the same discover card. I did not give them the XXXX digit security code on the back of the card. Neither company did anything but place viruses on my computer. I contacted viruses on my computer. When I contacted Discover on XXXX XXXX, 2016 to report the fraud, they said they would investigate the first incident on XXXX XXXX, 2016 and would credit my account for the {$310.00} payment to XXXX XXXX XXXX, but refused to take action to investigate or refund my money for the XXXX incident on XXXX XXXX, 2016. I called Discover again on XXXX XXXX, 2016 to dispute the charge to XXXX XXXX.
I have not been able to log in to the website to get information or cancel my membership. I have tried 6 different phone numbers for Experian but I get the exact same automated message without any option to speak to a representative. The time that I said I was having trouble logging in, they said they would send me a link to change my password but the link didnt work. When I tried, via the automated system, to cancel my account it said that I could cancel my free account but the account I wanted to cancel was not a free account. I sent Experian an email with the above complaints on XX/XX/XXXX and still have not received a response. I am trapped unless I can get a live person to help me. 
This is the worst customer service I have ever experienced. I hope that the Consumer Protection Bureau can help me get in touch with a live person that could resolve my issues. 
Thank you, XXXX XXXX
I called PHH Mortgage Services, my mortgage servicer, on XX/XX/XXXX requesting to cancel my PMI since I am at 79 % on my loan to original loan value. They stated that they would send me the packet for cancelling PMI and it would be received at my house within 7 to 10 business days. As of XX/XX/XXXX ( 14 business days after my call ), I have still not received my packet. This is the second time I have tried to cancel PMI and both times they have slow played the process and used sketchy business practices to keep their PMI proceeds coming in. The first time was in the summer of XX/XX/XXXX. We purchased our house with 10 % down and then completed approximately {$40000.00} worth of renovations to the kitchen and flooring of our home that we purchased for {$180000.00}. In addition, the approved appraisal of our property used to close our mortgage loan in XX/XX/XXXX was for {$230000.00}. After 2 years of on-time payments, I followed the process to remove PMI based on the argument that the money we had put into the house plus the equity we started with according to the appraisal they approved at closing brought us below 80 % of the home 's value. As part of the process, we were required to allow an appraiser that they selected value our house to ensure that our loan balance was less than 80 % of the home 's value. Shockingly, the appraiser they selected determined that our house had gone down in value from {$230000.00} at closing in XX/XX/XXXX to {$200000.00} in the summer of XX/XX/XXXX even after we put {$40000.00} into renovations. The number that their appraiser came up with was mysteriously about {$4000.00} less than the value we needed for the home to be able to cancel PMI. I sent in a detailed report stating why I believed that his value of our home was incorrect and I was denied any kind of serious follow up from the mortgage servicer. PHH mortgage is clearly trying to use every trick in the books in order to keep their precious high margin PMI in place.
Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've have yet to hear back from the company 30 days to respond, I have not gotten a response.
TD Bank 's XXXX loan department is employing unethical and possibly illegal " bait and switch '' sales tactics. The CFPB is hereby requested to investigate this bank 's operating techniques. 
Background : I applied for a home equity loan with the merchant o n XX/XX/2016 and after their check of my credit score and income received confirmation of the rate and amount promised by the TD sales rep initially. The TD loan processor then informed me on approx XX/XX/2016 that the bank was significantly increasing their offer interest rate and decreasing the loan amount based on, they claim, an appraisal. Their appraisal value is dramatically lower than one I had done just a few years ago and during the depths of the great recession, which does n't make any sense as property values around here have only increased since then. I have had other appraisals done over the years from previous refinances that reinforce my understanding of the property value. XXXX down with the TD loan processor reveals their appraisal uses some kind of hokey internet-based estimate and the TD underwriting department has refused to go by the traditional, more accurate, industry respected comparable sales appraisal. TD has obviously implemented a scheme to defraud consumers by using a low-ball fake property valuation methodology.
Planet Home Lending ( XXXX XXXX XXXX XXXX ) is company I have a VA loan with on my old house. They offered me a great va refi rate in the fall of 2016 and I agreed to refi. They were already servicing my loan up to that point as well. I submitted everything in a timely matter and I was told not to pay XX/XX/2016.  Then they closed that account to start a new account with the new rate. While this was going on, their was no communication within their own company that I was doing a refi and they reported that I did not pay XX/XX/2016 and now Im dinged with a 30 day late payment. I called them and emailed them about this multiple times with no resolution. As Im checking my credit right now, I see that blemish on my record and this is not my fault, but theirs. They incorrectly reported me as delinquent and they need to fix this.
Discover and XXXX XXXX XXXX offer XXXX percent interest card for 12 months on balance transfers. In the fine print with Discover they state there is a charge of XXXX percent each month on the remaining balance at end of month. I did not see that as it was buried in fine print. BofA doing something similar. I got a card from each and now have to make payments every month on both cards. It 's deceiving. Only option is to cancel the cards but hurts my credit score.
Company keeps calling me.. The debt is far beyond the statute of limitation, does not belong to me, not on my credit and the company can't provide signed proof that tie me to the debt in anyway.
I made a mortgage payment in XXXX XXXX for the wrong amount. I received a notice that I was late and the payment I made was in the suspense account. On XXXX/XXXX/XXXX I sent the correct amount and sent them a note on their web site to return the {$810.00} in the suspense account. I have called them many times and was told they would sent the funds back to me. 
I received a letter today stating they could not send the {$810.00} back. Checked my account and on XXXX/XXXX/XXXX when they applied the payment the balance was XXXX On my XXXX XXXX statement shows I am owing over XXXX then the XXXX XXXX statement shows over XXXX in the suspense fund. On the payment history on the DiTech page it show my balance went up to XXXX. I called and asked for a correct statement for how the funds were applied and was told to look at my statements. Also it is not possible to refund the XXXX. Also the letter I received to day says only XXXX was applied to principle, what happen to the other XXXX? If I go by the statements I was charged 2 more months of late fees. I need you to send someone to audit the loan.
According to my most recent credit report, Factual Data at XXXX XXXX XXXX XXXX XXXX CO XXXX is currently reporting to the XXXX credit bureaus that I applied for credit in XXXX 2014. I did not give authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. Having these inquiries are adversely affecting my credit report and is impeding my ability to obtain necessary credit.
A company by the name of NP Group, supposedly out of New York keeps contacting me and my family member saying I have XXXX unpaid pay day loans which I did not apply for. They say I owed around {$1200.00} originally and then I asked for documentation. I was then told they are a paperless company but they will email me documentation of the debt. I got an email with XXXX PDF files of some of the most unprofessionally put together statements of debt that which added up to be over {$300.00} than the original amount. I was then followed up with another phone call with them stating that I had said I wanted to settle, which I did not. I then asked how do I know this is not a scam and the girl got extremely rude and said that she had sent the documentation proving it was not a scam and if I did not settle that the phone calls would continue and will not stop. She called again the next day and I told her that I was reporting them and was not going to pay them anything and she said ok sir the well we will continue to call until it is settled and then she hung up on me. Ironically less than 1 hour after I was hung up on I started getting emails and phone calls saying I have been approved for the loans I applied for. So far I have contacted XXXX, XXXX, and XXXX. All of which said there were loans applied for with my name and email address.
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall ever authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. This is the third time that I tried to resolve this issue with your staff and management team.
I am trying to get help through the Arizona Department of Housing, Hardest Hit Funds Program and my lender Guarantee Rate is not a participating lender. Arizona Department of housing is willing to help me if my lender provides a reinstatement quote with a 30 day good through date and my lender is rejecting sending that information to the Arizona Department of housing or to my housing counselor XXXX with Administration of Resources and Choices her number is XXXX. Our names are XXXX and XXXX XXXX our phone number is XXXX. Please help me get a Reinstatement Quote with a 30 day good through date so I don't loose my house.
Hello. 

This complaint is against Citi. 
I have a XXXX credit card with Citi. 
Last night, I noticed that they have been taking money out of my checking account without my authorization or consent. 
Specifically, they have taken {$400.00}, {$470.00}, and {$590.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I called and asked them to return the money to my account because I have never authorized them to withdrawal money from my account. 
First, they claimed that I have enrolled in an automatic withdrawal program which I have never done, and they have no evidence showing that I did. 
So, they refuse to put the money back into my checking account and claim that they have taken the monthly payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Unfortunately, I do not have the money to hire an attorney and need your help. 

XXXX, XXXX XXXX XXXX ( Cell )
Experian credit Bureau sent me a credit report having numerous errors in the reporting such as, wrong social security number, date of birth, an address I never lived at and many Creditors I 've never borrowed from.
Deposited a check from XXXX XXXX on XXXX at XXXX in the amount over {$2500.00} to my Wells Fargo I used the ATM to make the deposit since the bank line was long and I 've been told I get quicker access to funds. 
The receipt advised funds would be available XXXX. 
The funds show posted to my account but the amount is not available as of today at XXXX. 
I talked to a claims adjuster for XXXX, who said the funds cleared his bank XXXX. 
Wells Fargo is saying they got a code from the FED that an item was returned earlier by Progressives bank and accordingly they have an extended hold on my funds that expires XXXX. I have spoken with Wells Fargo twice at their XXXX number and was told 1st that the funds were not available til XXXX. on the 2nd call I was told the funds were not available unitl XXXX and the expiration on the hold was XXXX. I spoke with a supervisor who said nothing could be done. Attached is a copy of the receipt from Wells Fargo when I made the deposit. I 'm stuck between XXXX who says the funds have cleared and Wells Fargo who seems to be holding the funds for no reason related to me, under the guise of " Protecting me from a fraudulent check ''. 
Please advise.