WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX  M  & T Bank sent a letter claiming that the information in my file was out of date. How do they know it 's out of date? They required me to place a phone call to update my data ( which may not actually be out of date ). I find it inconvenient to contact call centers, so I took no action. How does M & T even know I have a phone that can place outbound calls? M & T did not state what information they believed was out of date, and did not give a convenient mechanism for me to verify the information. It 's unreasonable for M & T to spontaneously force customers to jump through inconvenient hoops in such an unsolicited manner. VOIP services charge a measured rate, even when dialing toll-free numbers. M & T m ade an unreasonable assumption that I had a phone that could make outbound calls, and also that the phone service would not cost me anything to place the cal l. M & T c losed my account in  XXXX  apparently for opting not to deal with their call center. They should have mailed me the information they suspec t may be out of date, and provided a prepaid envelope for which to reply.
I received a netSpend prepaid MasterCard in the mail for which I never completed an application. I have never dealt with this company and do not know how it has my information. Additionally, the card was sent to the temporary address where I am living, which makes me even more suspicious of the company and the offer. A XXXX search showed many other complaints about this company and the fees charged for everything from checking your balance to using the money you load or have deposited on it.
There are a couple of issues with this loan : 1. The car is a lemon. They sold this car to me XX/XX/XXXX for over $ 14k. Trade in value for this vehicle on XX/XX/XXXX is $ XXXX. I have tried to trade this vehicle in and even refinance it to get a lower interest rate several times and it is impossible to get anyone to even look at it. I still owe almost $ 12k on this vehicle over 3 years after purchasing this car. 

2. I do not believe that payments are properly being applied to interest and principal. I do not see where my down payment was even applied to principal when I first took out the car in XX/XX/XXXX. This payment was reversed out of their system and it appears that I was paying monthly payments as a down payment in XX/XX/XXXX.

3. I got behind on making payments in XX/XX/XXXX and had asked several times that Bridgecrest assist me with getting caught up. I was unemployed from XX/XX/XXXX-XX/XX/XXXX and then got a full-time job at the end in XX/XX/XXXX. I asked for their assistance with a forbearance or something that would keep me caught up and they refused to help until finally a call to a rep in XX/XX/XXXX got me caught back up and paying on schedule. I was still making payments throughout XX/XX/XXXX. They reported me late to the credit bureau 6 times in XX/XX/XXXX and I do not believe they should have if forbearance options were available the whole time.
This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified. 
The following account have not been validated 1.XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX  charge off
Hello i applied for a credit card on XX/XX/2018 and i was told to call a credit dept and i spoke to a young lady and she told me she had to call me back because my credit report had fraud alert on it and i never received a call back from barclays credit dept and i waited a hour and i called and they told me there systems are down around XXXX central time and i waited another hour and i called back and spoke to a fraud dept i was denied and they didnt give me a reason the customer rep was rude to me my application XXXX that is my number ... XXXX i was told the reason why i was denied because i had 5 other appications on file with barclays and i explain the fraud dept i didnt fill them out and i would have to wait 90 days to reapply and also i spoke to the credit dept again i was giving a different answer it beacuse i had too many new accounts open and i already closed all my loans down and paid all my account in full
Company has re-aged a debt and placed it back on my credit reports after being removed multiple times. Re-ageing an account to make it look as if the debt was purchased in that year/month is against the law.
Every month UAS charges me {$15.00} because they take too long to process my payment that I make from XXXX Online Bill Pay.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.
I cosigned on a SUV with my then husband through Santander. When my husband I separated, I talked to the company and gave the car back. Because the car was barely used, they told me they would sell it for the exact amount I owe and they did. My credit report updated with a closed account and a XXXX balance. Months later, a balance showed up. The next month it increased. So on and so forth. This is unacceptable. A balance should not appear out of nowhere and increase after the car was given back, sold, and was sold for the exact amount ( at least that it was I was told ). This is impacting my credit score even worse. When I called, I literally got no answer about it. Almost as if it was being said to me that this is an 'it is what it is ' situation. Completely unprofessional and unacceptable. I do n't remember the exact dates but it was this year, XX/XX/XXXX. I gave the car back last year, XX/XX/XXXX. Then a balance shows up THIS year a few months ago. The balance now is {$3800.00}.
A buyer started a fraudulent dispute wanting his money back. He was supposed to return the item he purchased for {$2800.00} before PayPal refunded the money. The buyer then returned a cheap {$75.00} item and PayPal returned the {$2800.00} to him. I started a complaint with PayPal and they requested among other things an internet fraud report ( FBI ), photographs of the piece sent and the piece returned, a professional appraisal of the item received and the item sent etc. After I provided all the paperwork requested, I spoke with a PayPal representative and was assured she would look into it. PayPal ignored everything I supplied. I lost the money and my item to the swindler who had to proof nothing and with PayPal 's help got away with this scam. I am concerned he will do this again and again and other people will be scammed out of money with PayPal acting in such a unjustified and unprofessional manner.
I have some medical collections from kings credit service, account number XXXX XXXX i have more collections from this company, i want these accounts deleted from credit report becuase these collections are medical bills and i had insurance to cover the bills, also the hospital violated my rights per the hippa law. the collection company should not have my medical records. that's a violation and i can sue. but all i want is for kings credit to delete all my accounts from my credit report, asap.
I am having severe financial problems right now and being called 5-6 times a day and left non stop voicemails is not going to help me pay my debt any sooner. Do not answer or call back because if your company is this harassing without a phone conversation I do not want to speak with you about when I can pay because you will probably call and harass me even more literally XXXX. until XXXX and this is 5-6 calls from one number but your company calls from different numbers so I am probably receiving atleast 10 phone calls a day which is ridiculous. Your constantly waking my newborn baby by calling all the time. Between the number listed above XXXX, XXXX, and XXXX these are the dates and time of calls received daily just within the last 11 days. XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) I am sure I probably missed some because you call off multiple numbers but 89 calls in the span of 11 days is ridiculous and beyond harassment especially for a debt of maybe {$300.00} dollars.
XXXX Account Number XXXX Balance {$1300.00} XXXX Account Number XXXX Balance {$6100.00} U S DEPT OF ED/XXXX/XXXX Account Number XXXX Balance {$6500.00} U S DEPT OF ED/XXXX/XXXX Account Number XXXX Balance {$4500.00}
I asked for a deferment as I am the sole provider for XXXX children and only have a XXXX job. I work 32 hours a week and make XXXX per hour. I ca n't afford my student loans right now and they denied it but the other student loan company that I have student loans from approved my deferment. I do n't understand why. I went to the XXXX when I incurred these loans and I do not use the skills that I obtained there. I went after a XXXX degree in accounting and use those skills now.
Please see the attached documents. I am requesting that these items be removed from my credit report as they are a part of a pending litigation, which I do not wish to involve additional parties in for willful non-compliance.
I received a letter from Bank of America in XX/XX/XXXX stating that I did not have homeowners insurance on my property and that I would be forced to pay for insurance that they purchased. On XX/XX/XXXX, I faxed a letter to the number provided with a copy of the insurance declaration. I have confirmation that the fax was received. I did not receive further notification that there was any problem with the documentation provided. 
I received another letter later that month and called in again. They still claimed to have no record of my submission of proof of insurance. I again faxed it - to two different numbers, one that the customer service rep gave me ( which was supposedly to her manager named XXXX ) and the other from the original letter. I then received an escrow statement showing that they were charging me for the forced purchase mortgage so I called again. I was given an email address for XXXX XXXX who promised to take care of it. I emailed the declarations page from my home owners insurance to her and requested a response if there was any problem with it. I received no response. I then received a letter stating that they were " trying to get a hold of me '' and so I called again. Still no record of all of the things I sent in. Tonight I again faxed the information to a number that was given to me by XXXX XXXX. I asked for confirmation that the fax was received and received none. 
I strongly believe that Bank of America is making it difficult for people to submit proof of insurance so that they will just give up and have to pay for the forced purchase insurance, which I understand Bank of America receives kickbacks for securing.
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on XXXX since XX/XX/XXXX and 30, 60, 90 late is on XXXX. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX.
In XX/XX/2018 after reviewing my credit file I noticed an account from Midwest Recovery Systems {$550.00} that was opened up fraudulently. I contacted Midwest Recovery Systems four times over two weeks about this account. Midwest Recovery Systems informed me that they notified XXXX, XXXX, and XXXX on XXXX XXXX to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018. I have filed a cfpb complaint against : XXXX XXXX, XXXX XXXX, and XXXX XXXX in reference to this account.
David E. Gray, Attorneys at Law, LLC XXXX XXXX is my contact with the company. 

I arranged an agreement with the company to pay $ XXXX/month until my debt of {$350.00} was paid off. 

I have been charged more than the agreement more than once and after I have contacted XXXX to cease. 

The payments are electronic payments through my debit card with my checking account. 
I am low income and even such a low debt is extremely crippling to me. I can not afford to eat now because of this.
Portfolio Recovery, acct #  XXXX  is reporting derogatory on my credit. I am now working with an attorney.  XXXX   XXXX  is the original owner of this debt but reporting falsely as  XXXX . This account was included in my chapter  XXXX  bankruptcy and need to be deleted fr.om my file immediately or I am forced to sue. My chapter  XXXX  bankruptcy has been discharged effective   XXXX .
My name is XXXX XXXX ( XXXX ) I HAD a EPPICARD. That is a card that the government offers at the Child Support Office. My child support is suppose to be deposited onto this card. I had XXXX XXXX, therefore I was in bed for a while after XXXX. In the month of XXXX someone used my card in XXXX XXXX Nevada at a XXXX. The card was used on the same days that, I was at a doctors XXXX XXXX XXXX XXXX Ca. Same days that I was in XXXX in Ca. I submitted my other bank records to prove that I was in fact NOT in XXXX XXXX at all on these dates. In the month of XXXX my card was used again in XXXX XXXX Nevada on the same day I was in XXXX XXXX XXXX for spring break with my children. I again provided documentation of my were abouts on these dates and that I was NOT in XXXX XXXX, Nevada. The month of XXXX, the person that had my card, knew that money was deposited in the beginning of the month and that it would hit then. I was able to get a print out of my activity on the card and I can see where the person used the atm at XXXX in XXXX XXXX, to check the balance. I to was calling to check the balance and it was very funny that I never was told the money hit. Over the weekend the person took all of my child support. Monday came and I finally realized something was wrong. I called the card ( took me literally forever to get a hold of someone ) when I did I was in tears and the lady had ZERO sympathy at all. I asked her what was I going to do with XXXX kids and no child support? She said, I could file a complaint and then, MAYBE I would get some money back. Well, I STILL have NOT received anything back. The person took a total of XXXX. That is a lot of money for a single Mom, or anyone I believe. I reached out to many people that work for the card. I got nothing back!! Never a CALL, or anything. I filled out paper work, they said they never received it. I faxed it and then they denied my claim because I did not make a claim for XXXX or XXXX. However, I did not know that someone had taken my money than. I have never had access to the card online and was never able to see what the activity was or anything. So, Since all of this, I have received nothing! I have filed a claim before, but they took it down. I have reached out to a lawyer and filed a small claims lawsuit. They company was SHOCKED I was doing that. I asked them if they would let go of XXXX, XXXX and give it to me? They said, NO! I said, well I am going to fight and juggle my kids, my busy life and my health to help other single parents that have this AWFUL CARD!! Please know this, this card is a fraud!! I believe someone on the inside stole my money! The card will never give you your money back or care about you!! I will fight and never give up until justice is heard. They just hope I will go away, they never answer their phone ( I have been on hold before for two hours, for them to hang up on me ) EPPICARD IS A FRAUD!! XXXX XXXX XXXX XXXX  If anyone has had this problem please reach out to me!
Timeline of Events Tuesday, XX/XX/2017 : My daughter wrecked her XXXX XXXX XXXX. 
Tuesday, XX/XX/2017 : XXXX XXXX declared the car as a total loss. 
Friday, XX/XX/2017 : The information needed to settle the claim was sent to XXXX. 
Tuesday, XX/XX/2017 : XXXX, the XXXX Insurance adjuster, contacted XXXX to request that he attempt to contact Ally Bank, due to the fact that Ally Bank had been negligent in their contact with XXXX, specifically as it concerned sending the letter of guarantee. XXXX made the call, spent a considerable amount of time on hold and being transferred, and was then cut-off. He called the main branch and was finally redirected to someone who took his complaint. That evening, at XXXX, the letter of guarantee ( attached ) was emailed to XXXX. 
Wednesday, XX/XX/2017 : XXXX XXXX contacted XXXX to alert him that the letter of guarantee was received the prior evening. The insurance adjuster, XXXX, forwarded the email to XXXX, and upon examination, XXXX observed that the net payoff that Ally stated should be remitted in order to secure the title, {$20000.00}, was much more than his records indicated. According to the document ( attached ) provided by Ally 's online account management system, the net payoff at that time was {$11000.00}. Due to the nature of both his and XXXX 's experiences with Ally, XXXX instructed XXXX not to release the funds, due to the fear instigated by the misrepresentative, possibly fraudulent, nature of this correspondence. Additionally, the issues that had been encountered in the prior weeks when trying to contact Ally Bank to secure necessary documents made XXXX wary that there would be significant delays in receiving the borrower 's proceeds. 
Thursday, XX/XX/2017 : XXXX and his wife, XXXX, who is the borrower, penned a letter ( attached ) to Ally Bank, describing their qualms with the bank 's actions. As to the present date, Ally Bank has not responded to our complaint. In the meantime, we have had to continue making payments ( attached ). Furthermore, with each day that passes, we are also incurring interest charges that we must pay. For a more detailed description of our complaints, please see the letter ( attached ) that we emailed to Ally Bank.
Borrower inherited property from mother who 's mortgage is in active foreclosure. Borrower submitted a facially complete loss mit on XXXX/XXXX/XXXX but has not been notified of any action taken. The bank 's Motion for Summary Final Judgment on the foreclosure is scheduled for XXXX/XXXX/XXXX. Borrower has filed an opposition thereto.
I have submitted my teacher loan forgiveness application five times to Navient for {$5000.00} of loan forgiveness and it keeps getting denied. Every time I call and speak to someone they give me false or conflicting information. The first time it was denied and the customer rep. told me to " click '' a box '' that I shouldn't haven't " clicked '' and the last time the person told me to update all of the dates on the application and it was denied again. Now this last time it was denied ( the 5th time ), they told me to have chief administrative officer write a letter stating that my service dates were true and accurate. He did this and they still denied it. I have worked at a low-income title one school in XXXX for 2 years and this is my 5th consecutive year at the XXXX XXXX in XXXX which also is a title one school. That equals 7 total years. I can provide pay stubs and XXXX tax forms that I have been working here. I believe they keep denying my application so that the funds are not forgiven. ( this is fraud ).
Capitalone ha s been making harassing calls to my work numbers,  XXXX ,  XXXX , looking for a person with the same or similar name. I do not have any accounts with  Capitalone.  The most recent call was received on Friday,  XXXX , looking for a  XXXX   XXXX  on a recorded line. I do not speak with anyone on any recorded line, especially a wrong number. The person calling was told its a wrong number and he insisted he knows the person works here, which he does not as he did not verify he even had the correct  XXXX   XXXX . Any future calls will be forwarded to security as harassment.
I contacted XXXX XXXX before it was Navient and I was placed on a long deferment due to a XXXX  XXXX marriage I was living in. I had to stop school in XX/XX/2011 out of fear of my husband locating me. I was placed on deferments. On my credit report I have 60 days late 90 days late and 120 days late around the time if my deferment. Now I 'm on a deferment and the balance is still going up. I would like to have these late payments deleted due to being on a deferment st that time.