WillisBack/dataset-financial-user-claim huggingface dataset:
Hello. I purchased a XXXX motorcycle from XXXX XXXX XXXX and upon the contract agreement was informed of a great offer through XXXX. I filled out the application and was given enough credit to purchase the Motorcycle and a very very wonderful Maintenance/ Warranty package. My payments were consistent yet for some reason after quite a few years and numerous phone conversations the contract I signed for purchase never seemed to drop the numbers down even though I followed the payment plans of my written contract. Upon inquiry with the shop I was made to understand that XXXX changed the terms the moment we purchased items such as the afore mentioned package. I have called XXXX many many times and they tell me each time a new story about my account and now that I have fallen upon hard times the vehicle I have been paying on for an excess of 3 years is still right around the written contract agreement with no hopes of it ever getting below that as I have fallen upon reduced earnings and have gotten behind in payments. I attempted to make an offer of cash to purchase the motorcycle and to attempt an arrangement for repayment of the purchases as these items were XXXX specifically separate entities and XXXX has denied my efforts still not being able to break down my credit card transactions and give me a pay off for this motorcycle. I have like I stated a written contract for this motorcycle as a separate purchase that is suppose to have a contract price of X amount of dollars yet this organization refuses to tell me what I need to pay for the pink slip as if it is never going to happen unless I pay off the credit card which originally had nothing to do with this purchase as I would never have agreed to such a ridiculous amount of interest for a cheap old motorcycle. I have XXXX charges on my statement XXXX of which is XXXX which I have no idea if it is merchandise or motorcycle, a XXXX line item which yet again I have no idea as to the actual product and a XXXX dollar line item that has been on my statement for years. I ask and I ask repeatedly and have done so numerous times as I stated earlier yet nobody can give me a straight answer. The Motorcycle sticker price was XXXX and the contract was for X amount of months yet again, when I ask the company about it they still state to get the pink slip I must pay an excess of XXXX. I have spoken to the dealership as I am a regular there and they have stopped allowing XXXX Credit cards to be used to purchase vehicles and even tried to help me refinance but XXXX has a tight grip and is not willing to release the title unless the entire balance is paid in full and since they change terms constantly according to their agents I am starting to believe that the 25 year XXXX $ estimate within at the current rate of payment which has nothing to do with the actual contract price anymore is my reality. I feel that XXXX has not only refused to consider there are financial issues now and then with their customers, they just do not care and would rather destroy my credit even though I paid them religiously for over 3 years. Can you help me?
I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not sure who is using my name I use to live in XXXX I now live back to XXXX.
On XX/XX/XXXX Bank of America accessed my Business account  XXXX a {$35.00} NSF fee for a check that the institution did not pay. I called on XX/XX/XXXX to have the fee reversed and was denied. I asked why noting that this is not a practice and have never happened before, and was told by mangt ( XXXX I.D # XXXX ) that the account was not eligible, even though they agree that this has never happened before.
Received a robocall today. The caller identified themselves only by a first and last name. Claimed that my " file '' had been flagged by " internal audit '' and that I needed to pay {$450.00} to prevent it moving to the next stage. did not provide company name, credit name or any other explanation. Went on for some time listing various percentage and dollar amount " settlements ''. This same message indicating my " file '' was in their office and a lot of other pseudo legal terms was left on the voicemail of several friends and family members.
I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( XXXX  and Transunion ) 2. XXXX XXXX ( XXXX, XXXX and Transunion ) 3. XXXX XXXX XXXX ( XXXX ) I dont know if you guys can help also with these inquiries I know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct XXXX XXXX
For the last 10 years have been paying granddaughters student loan as she is deceased. The lender tells me it doesnt matter that she is deceased as I am the co-signer. Students cant grt loans for college without co-signer I am on a fixed income
The XXXX account XXXX on my credit report should be reporting as " paid '' on my credit report according to XXXX. XXXX informed me this is an issue I need to resolve with the credit bureau directly. XXXX and XXXX are both reporting it correctly. Equifax is reporting as " derogatory ''.
I sent for my credit repot & saw ir was low, so contacted Transunion, got the report and from there Transunion file # XXXX & 547 days later, the negative is NOT ME as I reported Identity/cyber theft how/why isn't it fixed after 547 days??? 
I called TransUnion on Wednesday, XX/XX/2018 inquiring to the status and the lady filed yet another ( 4th ) dispute??? I followed every direction and I thought it would be corrected by now?! 
I put fraud alerts on/with Transunion yet places i.e. XXXX XXXX still using my name? They l Transunion it seems did not provide other credit agencies that I am victim of cyber/identity theft so my credit is so low for my paying everything like a responsible person and no-one contacted me to ask if it is me taking out school loans when I paid mine off earning XXXX XXXX XXXX and paying it ...! 
My HELOC is now over {$100000.00} and I did not use any $ $ yet Transunion put fraud alert and money was directly being withdrawn as agent there should be {$1000.00} in that account insttera I owe all of that and got a phone call saying I can eaxgtend my HELOC although XXXX said it was closed but could not tell me why over seven ( 7 ) years ago????? What is going on because XXXX XXXX just giving me the run-around and I want my {$10000.00}!!!
I have disputed this debt twice for it does not belong to me. I have just been out of XXXX for a year or so. I was a kid and under age, not responsible for this debt.
Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis. 

I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. 

Derogatory Mark Info : 1 ) The original creditors name - XXXX XXXX XXXX 2 ) Account opened - XX/XX/XXXX XXXX ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at XXXX XXXX XXXX for my brother. I put a XXXX XXXX TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX  in hopes that he would get clean. He has been in and out of XXXX and is still fighting XXXX. 

I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. 

Conclusion : 1 ) I made the XXXX XXXX  back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.
On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from US Bank, XXXX, XXXX XXXX, MO XXXX notifying me for the first time that " ALERT : YOUR ACCOUNT IS SERIOUSLY OVERDUE CALL TODAY TO DISCUSS YOUR OPTIONS XXXX. '' The letter also stated that my XXXX XXXX XXXX credit card account ending with : XXXX had a balance due of {$210.00}. " This is you last chance to avoid more serious collection action. We need to hear from you today to make acceptable payment arrangements. If we do n't hear from you, it will likely result in a negative report to your credit bureau and require us to take actions necessary to collect your overdue account. '' I immediately called XXXX as directed that same day XXXX/XXXX/16 and spoke to XXXX in the Collections Department of US Bank. She told me that the balance due was actually {$2.00} and that all other charges had been reversed on XXXX/XXXX/16 and that my XXXX XXXX XXXX credit card account ending with XXXX had been closed. She told me that this originally occurred because an annual fee of {$85.00} billed in XXXX 2016 had not been paid and finance charges and interest had accrued. I explained to her that this was very upsetting to me because no bill had been mailed to me until this letter dated XXXX/XXXX/16 and no notice had ever been sent to me that all bills for this personal account would be paperless and sent only electronically on computer rather than by paper hard copy via the USPS. This seemed strange to me because my US Bank XXXX XXXX XXXX XXXX credit card account ending with : XXXX was being sent to me by paper hard copy via the USPS. She explained that she could not comment on that because the XXXX XXXX accounts were handled by another division. XXXX was very courteous and professional and then kindly transferred me to the Customer Service Department of US Bank where I spoke to XXXX. XXXX kindly reversed the {$2.00} remaining current balance due leaving the final balance of {$0.00} ( zero ) for the account ending XXXX. She apologized that this misunderstanding had occurred, and that she too could not explain or comment on the different way in which US Bank handled and billed my XXXX different accounts because the XXXX XXXX accounts were handled by another division. She also explained that the personal account ending in XXXX could not be re-opened after this episode and that I would have to re-apply. XXXX was very courteous and professional. 

My concern is whether this unfortunate episode of miscommunication and misunderstanding regarding mailed hard copy paper bills via the USPS versus so-called paperless electronic bills resulted in US Bank generating a negative report to the XXXX, XXXX, and/or XXXX consumer credit agencies. While I did request access to be able to review the status of my accounts online, I never intended this to be a substitute or replace my receiving paper hard copy bills via the USPS.
On  XXXX   XXXX ,    2017, I had a nam e change. I notified all  XXXX  credit bureau 's and supplied all legal documentation, court order, social security statement, drivers license, etc.  XXXX  and   XXXX   have updated my report. TRANSUNION STILL HAS NOT PROPERLY UPDATED MY NAME CHANGE, IN FACT THEY CHANGED TO SOME FALSE NAME THAT DOES N'T EXIST, USING "  XXXX  '' INSTEAD OF "  XXXX  '' AS MY FIRST NAME. AND THEY ARE STILL KEEPING MY OLD NAME On the report. I have sent them numerous letters, telephone calls, uploaded documents and more recently had them sign for certified mail, DATED  XXXX   XXXX , ATTACHED, for all the documents they needed, including birth certificate. TRANSUNION  CONSUMER  RELATIONS AT THIS ADDRESS :  XXXX   XXXX   XXXX ,  XXXX , PA  XXXX  just mailed me an " updated '' credit report dated  XXXX   XXXX ,    2017 and said they have updated the information, BUT THEY DID N'T, they did nothing, except now hav e an incorrect name on my credit report along with my  old one. I hav e talked to these people on the phone, but they are all over in  XXXX  O R SOMEPLACE and tell you they will fix things but they do nothing - NOTHING! They are not properly trained and knowing they have access to all your credit information is somewhat FRIGHTENING to be honest. One person told me he was not allowed to change name and a SUPERVISOR WOULD DO IT, SO HE TRANSFERRED ME TO THE SUPERVISOR  AND HE SAID HE UPDATED IT CORRECTLY, BUT HE DID N'T, AND THAT WAS BACK IN  XXXX . This is ridiculous and they are holding up my purchase of a home. THEY ARE INCOMPETENT AND SHOULD NOT BE ALLOWED TO CONTINUE TO MISHANDLE PRIVATE INFORMATION AND CREATE FALSE NAMES.
I used the Chase Mobile App to pay my balance off on my credit card. I normally get an immediate confirmation that it is being processed, but this time I didn't. I chose Pay Bill and scrolled down to See All Activity. It immediately, without my authorization, began processing a second payment for the exact amount as the previous payment made which was listed as processed and completed. I had two different confirmation numbers and two payments taken. I had a negative balance on the card the next day. I assumed it was a glitch and didn't worry about it, because I had pending purchases anyway. 

Well, it happened again today. I tried to pay the balance, no confirmation, I checked it later and it processed a second duplicate payment without my authorization. I called customer service and they said to call back when the second payment was completed and they would issue a refund. It could take a few weeks to be put back in my checking account. Meanwhile, my money is gone from my checking account. Money I did not authorize or owe. 
Please check into this if possible. Below are the payment summaries and confirmation numbers. Thank you so much! 
XXXX XXXX Status Completed Payment date XX/XX/2018 Amount {$250.00} Description Website Pay from XXXX XXXX ( ... XXXX ) Confirmation number XXXX Status Completed Payment date XX/XX/2018 Amount {$250.00} Description Website Pay from XXXX XXXX  ( ... XXXX ) Confirmation number XXXX Status Completed Payment date XX/XX/2018 Amount {$420.00} Description Other Confirmation number XXXX Status In process Payment scheduled date XX/XX/2018 Amount {$420.00} Description Website Pay from XXXX XXXX  ( ... XXXX ) Confirmation number XXXX
Allied Trustee Services on behalf of XXXX XXXX XXXX an HOA company garnished my wages in the amount of {$6400.00} for an invalid debt in the original amount of {$1200.00}. I did not oocupy the property in question at the time this debt was incurred because the property was foreclosed and I was evicted from the home. ALlied Trustee Services had absolutely no right to this money. Because of their actions my family and I are again facing eviction because we can not pay our rent. Allied Trustee Services should not be allowed to take these fradulant actions. Please help me.
I have contacted XXXX multiple times and even contacted the creditor of the multiple inquiries showing on my credit file. I have not gotten a response from the creditors and it has been over 30 days. I contacted XXXX at the beginning of this month regarding the inquiries and the representative I spoke with told me they CAN NOT dispute inquiries which is untrue as I have disputed inquiries before. He stated I needed to contact the creditor and I let him know I did that and they have not responded back to me. He stated that inquiries are factual records & will remain and I explained to him they are not factual and how can you tell me that if you havent even started a Investigation to look into my situation. XXXX customer Service has went down hill and they DO NOT help their consumers in any way. They in no way have validated the inquiries as factual and I deman they be removed!
XX/XX//2016 {$720.00} spoke with fraud dept. no further action taken by company
On XXXX XXXX, 2017, we sent a payoff for a Navient-serviced student loan in the amount of {$6200.00}. Roughly 3.5 months later, Navient has failed to apply the payment to the loan, make a single phone call, or draft a single letter, or take any other action with regard to these funds. When contacted, Navient acknowledges the payment was mailed to their address on their website, received, and deposited, but was mailed to the wrong Navient address. This does not excuse their unconscionable servicing of these funds or their failure to make a single phone call, draft a single letter, or take any steps to apply the payment properly. Their confusing and misleading statements about a possible refund are no longer availing.
Transunion is reporting a bankruptcy on credit report 11 years after bankruptcy filed. Bankruptcy reported on   XXXX    XXXX    comments and even though no bankruptcy on public record they refuse to remove it. Have disputed with  XXXX  and transunion for 6 months.
Applied and received the American Express Blue Cash Preferred Card. Amex charged me the annual fee of {$75.00} upfront on XXXX/XXXX/15. I read and re-read the terms and conditions before applying and thought they would charge me the fee after a year using the card. Why would you pay for services you have n't even received? It did n't make sense. 

I again re-read the TOC and it never states when the fee would be charged. When I contacted them about this they repeatedly told me it was in their disclosures that they charge this fee in the first month. I asked where and spent a few hours with Amex reps falsely explaining that it says that the annual fee was due the first month. 

After considerable time, they finally agreed with me that the TOC do n't state when the annual fee gets charged but would n't negotiate on refunding or changing the timing. Eventually, I paid the fee. After a while, I cancelled the card and hope it did n't hurt my credit by closing the account.
I have a account Im collections on my credit profile showing ( XXXX XXXX and Penn Credit Corp ) not liable for and also keep getting phone calls from but I dont answer.
There is an account that is unknown listed on my credit file. I have disputed with no response or validation. Please help, I never did business with this company
I HAVE DISPUTED THIS INACCURATE ACCOUNT SEVERAL TIMES WITH ALL XXXX CREDIT BUREAUS THE ACCOUNT IS XXXX THEY HAVE THE OPEN AND CLOSED DATES AND BALANCE REPORTING DIFFERENT ON MY CREDIT REPORTS ALSO THE ACCOUNT HAS BEEN CHARGED OFF SINCE XX/XX/2010 THEY SAID THEY HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT SENT ME ANY DOCUMENTS VERIFYING THIS ACCOUNT THE STATUE OF LIMITATIONS HAVE EXPIRED FOR THIS ACCOUNT
XX/XX/XXXX Navient forgave my student loan and it was followed up by letter from dept of ed on XXXX  and said I didnt have to repay.. 

My credit report says paid in full no amount due just got phone call from Nebraska XXXX had turned it over to collections date XX/XX/XXXX I sent them a letter no taxable income I on XXXX .. XXXX. Is poverty level.. I just dont understand what going on Why is it not forgiven should be
American Express phone application omitted many key elements of the terms and conditions when applying. 

1. They did not inform me of the balance transfer terms and limits while making the application. 

2. They could not tell me at what point in the application process that my credit was checked, so I had no way of knowing when to cancel the application. 

3. They could not tell me the amount of credit I was issued, however wanted me to transfer balances immediately. 

4. They attempted to charge me a XXXX % balance transfer fee when I called in, regardless of the sole purpose of the card is a XXXX % window for transfers within the first 30 days.
I had a cash advance offer on my Citicard credit card which expired on XX/XX/2017. I paid the balance in full on XX/XX/2017 however when I received my statement today there is still a balance for the cash advance of {$370.00} which not certain why if the balance was paid in full. Statement billing period was XX/XX/2017 - XX/XX/2017 and I did have other purchases during that time but if I paid the outstanding balance in full why is there still a balance reflected in the special offer?
Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX On XXXX XXXX, 2016, I was forced to sign a bad offer from Ocwen. Ocwen is a predator in terms of servicing and loan modification under the HAMP tier 2 program sponsored by the Federal Government. 

I was unemployed since about XXXX 2016 to XXXX 2016. At that same time within the original hamp modifications, my mortgaged had just adjusted and it was due to be a major increase in paymets from XXXX to XXXX per month approx in XXXX. 

During this time, I was in financial duress due to my unemployment. I was concerned about my current mortgage responsibilities. 
I called Ocwen about any possible remodificatiosn and they told me they coul dput me on a program. 

I applied and supplied proof of my unemployment income and my monthly statements. 

I qualified for the Hamp tier XXXX. However as soon as I was told that I was been put into a 3 month trial period, I asked Ocwen for detail full disclosure to include include amortization plan. 

Ocwen refused to provied any such information even XXXX try to get that information from them to no avail. 

The day beofore they terms of the offer was due, they gave me some level of explanations and details but yet still no full disclosure. 

Since, I faced the possibility of going into a foreclosure path, and my credit would be reuined, I was forced to accept the very bad deal in order to protect the home and my family. 

Ocwen, violated my right as an american consumer with utter disregard of the banking regualtions to and good faith estimate to provide timely information even at the request from an officer of the court. 

Please, allow me full legal consideration for this issue with ocwen.
Midland Credit Management , Inc. is sending my client, XXXX, letters stating she owes money on a credit card debt she never had. They need to stop sending her false information or prove that the debt is valid, which we do not believe that is.