WillisBack/dataset-financial-user-claim huggingface dataset:
Around XX/XX/XXXX, I purchased a brand new car ( XX/XX/XXXX XXXX Versa ) with a goal of having the car for five years or at least XXXX miles. XX/XX/XXXX, the car started giving me problems, after researching the problem there was a power train issue, which XXXX has an extended warranty for my make and model. After having the car for over a week, XXXX returned the car to me in the same condition. The next day, I returned to car to XXXX, they currently have the car running more test. In addition to not fixing the car, the car failed inspection and XXXX gave me a bill for {$1600.00} to fix the car to pass Maryland state inspection. XXXX ripped me off, I purchased a {$10000.00} car, paid {$30000.00} for the car, it has a balance of {$13000.00}, appraising for {$6000.00} with less than XXXX miles, a refurbished engine and I can not legally drive the car in the state of Maryland. 
On XX/XX/XXXX, I went to purchase a new car and was told that I would not be able to be financed because of the Versa having a balance of {$13000.00}.
My mortgage is an adjustable interest only loan. I have applied for a loan modification with my servicer, Bank of America and been denied earlier this year. I do not believe they are using the correct calculations when reviewing me for assistance. I believe they have a value that is way too high as well as they are not taking into consideration my payment is an adjustable, interest only loan that will increase in the near future. I now have a notice of default and possibly a notice of sale coming in the next week. I have hired an attorney to assist me in submitting my updated paperwork ( submitted XXXX/XXXX/2015 ). I have a new job as of XXXX 2015. I would like to ask Bank of America not to review me for assistance before moving forward with foreclosure by filing a notice of sale. I understand that the servicer may state my application was submitted too late, however I would like to request an exception be made and still review me for assistance.
On XX/XX/2018, I returned a leased XXXX XXXX XXXX to XXXX XXXX XXXX in accordance with my lease. The lease was for 2 years and XXXX miles and the car was returned with XXXX miles, within the lease agreement. I subsequently received a bill from XXXX XXXX XXXX for {$3200.00} which included {$2600.00} for excess mileage, {$350.00} for a disposition fee, {$230.00} for sales tax, and a reduction of XXXX for an overpayment. I contacted XXXX XXXX XXXX about the erroneous billing, and after researching the file they agreed the billing was in error, removed the excess mileage charge and waived the disposition fee, which eliminated the sale tax and agreed to refund the {$19.00} overpayment, which they did. 
Subsequently I received a call from a debt collector, XXXX XXXX. After researching the file again, XXXX agreed there was no amount due. 

I then received another from XXXX XXXX agent claiming the amount was due. I explained the error to the agent but she would not listen. I sent a letter to XXXX and to XXXX XXXX requesting letters clarifying that no amount was due. Neither responded to my letters. 

Now I receive a letter from another collection agency XXXX XXXX, XXXX requesting payment for the same erroneous claim.
I was harassed by Title Max Corporation of Nevada, XXXX representatives from the company ( XXXX including branch manager ). These individuals came to my place of residence asking for payment, trespassed onto a gated company. Discussed my financial matter with a family member. The account had been delinquent for 15 days. Every employee continue to contact regarding a title loan that is currently in default. I started making my phone calls the appropriate departments and I am refusing to pay any more on a contract that 's violated FDCPA regulations XXXX. 

I believe these individuals have been engaging in illegal debt collection policies and practices. Their engaging in loan agreements that surpass the allowed length of a title loan agreement.
We obtained our first mortgage from Bank of America on XXXX/XXXX/XXXX and completed BOA in house modification program in XXXX/XXXX/XXXX. Its new principal balance of the note is {$700000.00} ( current interest bearing principal balance is {$490000.00} and deferred principal balance is {$180000.00} ). The loan has been transferred to XXXX Mortgage for service since XXXX/XXXX/XXXX. 

Our house has been underwater for many years ; we want to move on by requesting Principal Forgiveness of the deferred principal amount of {$180000.00} by using BOA settlement with Department of Justice of XXXX. When we contacted BOA on XXXX its representative informed us that we should apply through XXXX since they service the loan. Despite financially qualified, we were finally informed by XXXX in XXXX that our application was not approve because they believed we are doing fine with BOA 's XXXX modification. 

Our loan was originated by BOA and we believe we are entitled to apply for that relief from BOA for Principal Forgiveness. The settlement stated that credit will be provided to BOA for any Consumer Relief completed by any subservicer and for loans sold to other servicers. 

Appreciate if you can advise us best way to approach our situation. Thanks.
XXXX shows collections from United Revenue Corp for XXXX XXXX XXXX. I have called URC twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you help?
I previous wrote Equifax in regards to an item ( Bankrupty caseXXXX ) on my credit report. To this date they have never replied to my complaint and the item remains on my report showing as " In dispute '' .. its been like that for more than 90 days
According to my most recent credit reports, Navient has reported  XXXX  student loan s (   XXXX  federal,  XXXX  private ) as receiving late payments. This is inaccurate.   According to my reports from all three credit reporting agencies, I had  XXXX  payments 90 days late in  XXXX . According to the Navient service rep and my account history, this reporting was caused by the system marking me  XXXX  late as of  XXXX  date is less than  XXXX  weeks from my leave from Florida  XXXX  University, and marking me again as 90 days late on  XXXX  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left   XXXX   XXXX   XXXX   in  XXXX   XXXX .     These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my Navient history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to Navient on   XXXX   XXXX   XXXX    Navient responded that they had investigated and confirmed the accuracy of the report.
On XX/XX/XXXX I received a voicemail from PRG regarding a civil matter and a claim in imminent default. Was unable to ascertain name of individual that left message. Phone number left was XXXX. 
I called number back and was told this was a debt from XX/XX/XXXX in the amount of ~ {$570.00}. I asked to receive some verification of the debt, and was told that PRG does not have this information. I was transferred to another representative, a XXXX XXXX the " Settlement director. '' XXXX seemed to be confused as to why I could possibly want the debt verified, and proceeded to verbally badger me about the " type of person '' I am, and that they do not have the information. 
I repeatedly asked to have some written verification of the debt, and was told flat out " no. '' I then told the representative that I did not want to be contacted anymore by them, and was told " no '' to this as well. 
I repeated that if they were not going to send me any kind of verification of the debt, that I did not want to be contacted by them again. I was told no, they will keep calling until they get their money. 
Very rude and seems super illegal. Isn't this what the fair debt collection act was supposed to help with? Just a simple XXXX search of " PRG Collection '' shows multiple complaints. Can something be done about these rude con artists?
We made two payments on our Capital One Credit card to XXXX XXXX on X/X/17 for hotel reservations and membership to XXXX XXXX. XXXX XXXX never acknowledged or sent confirmation after we made several attempts to ask the merchant to give us the services we paid for. Within the 90-day period, we made a formal complaint to Capital One Credit card. Capital One began arbitration with XXXX XXXX. XXXX XXXX sent their documentation including a false document that stated we did get a reservation. Capital One also called XXXX XXXX on XXXX XXXX,2017. They asked XXXX XXXX had done what they said they would and XXXX XXXX send yes. Based on this, Capital One said the merchant did do as agreed upon. XXXX XXXX lied and denied that we had cancelled our contract. Attached is all of the e-mails, communication with both XXXX XXXX and Capital One. I also included the e-mail that shows we cancelled our contract with XXXX XXXX.
In XX/XX/XXXX I notified XXXX, XXXX, and Transunion of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XX/XX/XXXX until now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.
JH Portfolio Debt Equities showed up on my credit report claiming I owe them {$3500.00} on an acct opened XX/XX/XXXX. I do not know who they are. I have never signed a contract with them. I, as a XXXX senior citizen living on social security am signed up with XXXX, a nonprofit law firm that helps people like myself. I forwarded the information to XXXX and they sent a letter to JH Portfolio on XX/XX/XXXX telling them that I was poor, elderly and lived on exempt funds. In response, the next thing my caregiver noticed on my credit report was that JH Portfolio said I disputed the debt but it was verified according to FDCRA. What nonexistent dispute did they verify? Very untruthful people, I still don't know why they claim I owe them money. Anyone and everyone who contacts me about finances gets referred to XXXX, for years now. So, if JH Portfolio allegedly bought a financial transaction acct about me the information about my exempt social security status should have been in the paperwork. ( See attached paperwork from XXXX with notification to businesses to let folks know you can not squeeze blood from a turnip.Now they are threatening litigation which is only to exacerbate my health problems.and cause XXXX XXXX ( sp? ) I may be poor, elderly, XXXX and even uneducated, but I will not be a victim of their unethical behavior. I have voted in every presidential election for the last 40 years, and I know that as a United States senior citizen, I have protection under the laws of this great country.
Capital One fails to send bills each month ( especially when there is no activity on the card for the month ). When they do n't receive payment on the bills they never sent, they claim you are past due and try to charge fees. This is a scam to increase fees and interest for consumers who always pay bills ( that they are actually sent ) on time.
I previously filed a complaint on XXXX XXXX, 2014, # XXXX. This complaint was against XXXX XXXX regarding a XXXX cell phone bill. that complaint was resolved and closed as they could not verify the debt nor provide me a signed contract showing I owed this money. XXXX has now assigned this debt to another collection agency Diversified Collections out of XXXX Florida. 

This complaint is leveled at both XXXX and this additional collection agency. Please make them stop violating federal collection laws, I have been through this process previously and do not feel I should be made to go through this again.
Since XX/XX/XXXX, I have taken active measures with TransUnion to correct an error on my credit report. In XX/XX/XXXX, I filed Ch. XXXX Bankruptcy. Per the counsel of my attorney, I included my student loan with XXXX XXXX as an outstanding debt ; however, I did not request to have student loan with XXXX XXXX to be written off. Even if I had requested to write off my student loan under Ch. XXXX Bankruptcy, I am fully aware that the request would have been rejected - one can not write off a student loan. 

Despite these facts, TransUnion continues to report my account with XXXX XXXX as " closed '', having an unidentifiable balance, and with comments stating, " Included in Ch. XXXX Bankruptcy. '' To be clear, I am actively making payments on this account have been making payments on this account. I have never made a late payment. According to XXXX XXXX, the account is " Current and in Good Standing ''.

I have opened four direct disputes with TranUunion, the most recent of which on XX/XX/XXXX. Each dispute resolution has failed to change the information. By showing that my student loan was closed due to a Ch. XXXX Bankruptcy, I am being financially burdened in that this action adversely affects my credit score. During my disputes, I have spoken with members of XXXX XXXX in which I was told that the information was correctly being reported to TransUnion. Upon reading the results of the most recently closed investigation conducted by TransUnion on XX/XX/XXXX, I immediately requested the investigation be re-evaluated and provided documentation from XXXX XXXX, which stated my account was in repayment and that it had a positive balance. I spoke with XXXX XXXX of the Customer Service Division, TransUnion on XX/XX/XXXX, and she stated that " the documentation provided does not meet the standards set forth by TransUnion '' despite it being an official document provided by XXXX XXXX. 

XXXX is reporting my account information correctly for XXXX XXXX. 

TransUnion 's failed reporting is putting downward pressure on my credit score and adversely affecting my ability to pursue a positive financial future. I do not know to whom to turn. I have exhausted all official channels of TransUnion 's dispute process. Please provide assistance. Thank you.
The loan was paid off in XX/XX/XXXX, by me refinancing the loan soley in my name with XXXX XXXX XXXX. XXXX XXXX advised me that the amount they were going to send to AES was about XXXX over the payoff amount, just to make sure the loan is paid off and the remandier shoud be sent back to them. I called when the account reflected the account was paid in full. They stated that the check will be sent in 30 days. A few weeks later that told me that they had a invlaid address for me and that they needed my address to send the check, however, every time I call I verify my address. I re-verified my address, they stated that a check would be sent in 10 business days. I waited a little over two weeks to check the status of the refund, they then stated that it would take 30 days. I waited 30 days and did not receive a check. I emailed them about the status, never received a response ; thus, I called a week later to check the status, they stated that a email was sent to the treasury department a week after they received the email from me requesting the status. During this conversation they stated they do not know what is going on with the check. This company keeps giving me the run around about an overpayment for a loan that was paid in full.
Someone has fraudulently opened an account using my details and all three credit bureau agency are still reporting this charge when its not mine. 
I have called all credit agency XXXX XXXX and XXXX but they arent assisting me at all. 

Name and address of the account in collections is XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Amount is {$300.00} When I called the credit agency they ask me if I have been to this place and state I clearly tell them I have never been out of New York and not have this account out of New York.
I live in a condo building and every year my mortgage provider XXXX Envoy Mortgage XXXX sends me a letter that says I have to provide evidence of my condo buildings master homeowners insurance policy. The first year I found the letter oddly worded so it was not obvious to me what they needed me to do but now know they need something from my condo association. But this year, the very first letter they sent said they had already purchased coverage on my behalf with little information on why or for how much. When I called the customer service line to try to figure out what was going on I realized it was the usual request for proof of master policy coverage and I explained I did n't understand why I am being sent a threatening letter saying they purchased insurance on my behalf. The woman on the phone kept saying that the letter was CFPB approved but also confirmed this was the first request letter. I told her the letter may be CFPB approved to send at some point but it makes no sense to send me a threatening letter saying they bought coverage on my behalf without even requesting proof of coverage, that I have to request from my condo board. I also said that CFPB likely approved the letter to be sent in specific circumstances and I really doubt that the first request for proof of coverage was XXXX of them. By the end she did seem to get that the aggressively worded letter was not appropriate and said she was going to research this. However, since every year this process is way more difficult and time consuming than it needs to be I would really like someone to confirm that the letters they are sending are approved. I find them not particularly straight-forward with what they need since I also have a personal home owners policy and, most recently, unnecessarily threatening.
Ocwen Loan Servicing, LLC submitted documents in which it claimed it was the beneficiary of the deed of trust # XXXX XXXX and revealed it acquired the servicing of the account from XXXX  XXXX   XXXX. 
Ocwen is not a mortgage lending business which finances or refinances debt secured by an interest in real estate and acquired an account that is what specifically? 
Require Ocwen Loan Servicing, LLC to reveal the " property '' that it had a lien against involving the foreclosure it held in and around XX/XX/XXXX. Specifically state if the " property '' it sold was 1 ) personal property or 2 ) real estate, land and building, immovable property. 
The issue is that the holder of the note named by Ocwen as XXXX   XXXX did not receive a " pay off '' after the purported foreclosure and XXXX is not the beneficiary involved in the deed of trust # XXXX XXXX. 
I would like to point out that : 1 ) FDIC has confirmed that deed of trust # XXXX XXXX was not a part of XXXX XXXX, XXXX. 's asset when it closed its doors in XXXX. 
2 ) XXXX XXXX XXXX admits it has no records of the docs Ocwen presented as being a part of the loan transaction. 
3 ) There is no such acquisition from XXXX XXXX, XXXX. to XXXX  XXXX XXXX a division of XXXX XXXX XXXX  involving an interest in real estate, land and building, immovable property.
I have a Bloomingdale 's credit card and been a loyal customer for a little over a year now. My bill is paid on-time everymonth. Today XX/XX/2015 I received a letter in the mail from them date XXXX XXXX, 2015 that they were decreasing my credit limit from {$600.00}, to {$500.00}, because they ran my credit and seen that my credit score had dropped, I never authroized them to check my credit and before assuming my credit score dropped because of myself they should have verfiied with me to see if I had some ID theft resulting in fraudulent accounts being open in my name. What crazy about the letter is that although I 'm just receieving it, it says that they ran my credit in XX/XX/2015 and seen this drop and now two months later are decreasing my limit, after I just paid the bill. So now I feel like they are profiling me and assuming I 'm not going to pay my bills. As of today XXXX 2015 my credit score has return back to normal and is fair, my credit score has increased again because I had those fraudulent accounts removed.
I recently paid in full my Amex XXXX card balance in full on XXXX/XXXX/XXXX, 3 days before it was do. Total statement amount due {$3400.00}. Then, I received a new statement saying I owed {$20.00} for interest on purchases. My account was closed by Amex XX/XX/XXXX. So, I could not make any purchases at all. Further down the statement it shows interest charge calculation on purchase from XXXX/XXXX/XXXX to no date at 10.49 % and subject balance of {$2300.00} for a total of {$20.00} in interest charges. I have come to find out after calling Amex about this, its called trailing interest fee 's. My problem here is that the statement does n't tell you each month that you have a trailing interest balance of a certain amount and they just listed on my final statement as the interest charge on purchases not trailing interest on your account because you did n't pay the balance in full each month. This is clear deception by Amex against its Cardholders.
I opened a Discover Secured card back in XXXX of XXXX. It 's now XXXX of XXXX. They advertise that their secured card will become able to unsecure after 7 months, and tell you the same thing over the phone, however in the 16 months I 've had the card, the past 9 I 've been waiting for the card to unsecure. Keep in mind, the only time I made a late payment ( less than 30 days ) was in XX/XX/XXXX - When I lost my car and almost everything I owned in Hurricane XXXX. When I called the company they told me that there was nothing that they could do, no tips they could give, and that the only option I had was to cancel the account - Which would take almost three months to do. 

The reason I signed up for the card was because I was under the impression that it would eventually unsecure. Now I 'm stuck with a tiny, low-balance credit card that refuses to unsecure, and closing the account would probably tank my credit, as it 's one of my oldest cards. This is absolutely unacceptable ; Discover is basically holding my credit hostage after lying to me about the benefits of their card, and there 's nothing they will do to help, nor is there anything I can do. 

Do NOT get a secured card from Discover. They do n't give a XXXX about you, and will lie, lie, lie to get you on the hook.