WillisBack/dataset-financial-user-claim huggingface dataset:
I traded in my XXXX for a XXXX and the delership i purchased the XXXX from took forever to finalize the loan for whatever reason? 
in the process they did not pay off the balance with santander on time and I incurred a late payment on my credit report that affected my score. 
Santander has since provided me with a pay off record which I will attach in this writting, please let me know if you can help with this matter ... I did not intentionally not make a late payment, this was XXXX fault and I want it to be right ... 
best XXXX
Nationstar Mortgage purchased my loan from XXXX XXXX and ever since the loan was taken over by them I have received numerous statements showing different amounts owed. My husband passed away XX/XX/XXXX and my XXXX was reduced by more than XXXX. I am on a fixed income and this has made it difficult to maintain all of my expenses because of the funeral expenses and I am now running XXXX payment behind on my mortgage with Nationstar. I applied for a loan modification to help bring my loan current in XX/XX/XXXX. I was denied in XXXX on the basis of not showing enough income to support a modification. When we contacted Nationstar to review the reason for denial and they stated that the underwriter based the decision on my net Social Security ( after medicare is deducted ) instead of on my gross income. When asked why I was reviewed based on net instead of gross, they stated that they review each loan differently and I could not be reviewed based on my gross income. We requested other workout options and they stated that I would have to wait XXXX months to reapply.
I was balance billed for a medical bill and was told that all prices would be for in-network pricing. Date opened was XX/XX/XXXX and was reported on XX/XX/XXXX. I settled the price with the medical office and they still sent my information to collections. The name of the debt collection office is Transworld Systems.
MY NAME IS XXXX XXXX. I WAS SENT TO COLLECTIONS FROM XXXX XXXX XXXX IN XXXX OKLAHOMA. I WAS INSURED UNDER THE STATE OF OKLAHOMA WITH MEDICAID. DATE OF SERVICE IS XX/XX/2017. XXXX OF OKLAHOMA WAS NEVER BILLED, WHEN I TALKED TO XXXX XXXX XXXX I TALKED TO XXXX WHO CONFIRMED THEY BILLED THE WRONG INS WHICH IS XXXX XXXX BUT REFUSED TO REMOVE FROM COLLECTIONS WHICH IS AFFECTING MY CREDIT. I ALSO TALKED TO THE COLLECTION AGENCY WHICH IS XXXX XXXX TO DISPUTE AND SENT THEM MY LETTER OF ELIGIBILITY AND THEY TOO REFUSE TO REMOVE. I AM ON MY WAY TO THE MILITARY AND NEED TO HAVE THIS ITEM REMOVED FROM COLLECTIONS AND OFF MY CREDIT REPORT AS SOON AS POSSIBLE AS THIS BILL IS OUT OF TIMELY FILING AND ALSO I WAS NEVER EVEN NOTIFIED OF THE BILL OR RECIEVED INITIAL NOTICE FROM MTHE COLLECTION AGENCY. I FOUND THE INFO THROUGH MY CREDIT REPORT
On XXXX-XXXX-2017. Coinbase communicated to me via email to confirm new devices with IP address  from XXXX and XXXX, asking me to immediately disable the account in case you do not recognize these activities I live in XXXX, and so I followed their advice by disabling my account through a link sent to me by coinbase. The problem that now I can no longer access my account and I 'm worried about my deposited money, the support always responds with a robotic message. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For fraud and scam Thank you for this chance
I filed a previous complaint about missing funds. A charge was made in the amount of XXXX from XXXX XXXX on XX/XX/2019. I wasnt at the gas station that day.
After graduating in 2015, I began work as a low paying XXXX. I spoke with three different people at Sallie Mae, telling them I was in serious financial difficulty and needed time to gather a prudent reserve to again begin paying them. I told them I fully intend to pay my debt, but needed time to gather enough money to not be so XXXX about making daily fixed expenditure payments. Since that time, they have called repeatedly including calling my sister who has an XXXX and harassing her also. There is absolutely nothing I can do at this time to resolve this and the XXXX pressure is incredible.
I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX  XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove
I had a lease with Chase Auto Finance that had 5 payments remaining for a total of {$1300.00}, or thereabouts. I purchased a new vehicle and the new dealership agreed to pay the {$1300.00} that was due ( {$260.00} x 5 = XXXX ). Upon the dealership sending payment, which was a few weeks late as they had the wrong address, Chase Auto called me and said I had a balance remaining of {$350.00} due to issues with the vehicle. I requested a formal dispute as the dealer ( XXXX XXXX ) that I leased the car from and was also the dealer I delivered the car to failed to inspect the vehicle while i was there. After showing up at my appointment time to drop the car off and have it inspected ; once the sales person realized i wasn't purchasing/leasing another vehicle he ignored me and after 1.5 hours i left the dealer. My goal in disputing with Chase was so i could reach out to the dealer to see why they had claimed that the returned car had defects, which i contest didn't have. Chase Auto Finance never allotted me the time and charged off my account and now says I owe {$540.00}, even though its not accruing interest or fees. With me being someone who has several car loans/leases through Chase over the course of 10 years ; never missing a payment, I felt they would honor my dispute request. Since the account has been in collections, I have called over 15 times trying to get through to my " Account Specialist '' XXXX at extension XXXX. She never answers her phone, even though I have left over 10 messages. No one else in the recovery department is allegedly allowed to speak to em about the account. They say I need to speak to XXXX. Once representative told me shes been in and out of the office recently and has been trying to play catch up. I even tried to call and pay the {$540.00} to protect my credit and they said they can not accept payment. 

They have negatively affected my credit with their negligent business practices, as my credit reflects a charged off balance of {$540.00}. I feel Chase has wronged me because they didn't give me any options to dispute the balance, even when I made a legitimate claim and they also didn't give me a chance to try and save it by paying, even though i disagreed with the charges. I am asking for my credit to be fixed and the ability to dispute the charge. I will even pay the charge until the the outcome of the dispute is determined. If its determined that i was right, then they can reimburse me.
IC debt collectors put themselves on report 6 months ago. Turns out they are saying they are collecting for a utility company and the last time account was operating was 5 years ago????? Ive asked several times for documentation especially billing and payment history and they cant and wont provide me with anything. 

I told them several times social services was last handling and paying the account. I couldnt pay it years ago and social service took it over so the power to the home wasnt turned off because there were young children living there with me as well anyway the collection agency refuses to send any proof of any billing. I am not responsible for any of social services dealing with them. I lived in the house and didnt pay an electric bill for 5 years. I would see bills mailed and see social services make some payments but it had nothing to to do with me. Thats the law in my are I guess becasue thats how the electric stayed on all those years without be payng anything because I didnt have anything. So I C systems wont send me any documentation of anything. If they did the billing all those years back would show any payments made to the account were made by social services. 

Ive tried several times to explain this and all they do is make threats
XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. 

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. 

Capital One this was reported on my inquiry twice same day XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called Capital One and XXXX and XXXX   to have them removed no action taken.
I entered into a contract with XXXX XXXX/XXXX and the date of my last payment was XXXX XX/XX/XXXX. This account was brought by XXXX XXXX XXXX on XX/XX/XXXX. Date of Delinquency XX/XX/XXXX. I personally feel as though the Statute of Limitations have expired on this account based on the year the judgement was filed. In addition, there was no renewal of the initial judgement entered. This neglect was due to a divorce and loss of job. I really feel as though this judgement must be removed from my title on my home based on the Statute of Limitations.
I tried to log in to my XXXX Credit card and was not able to. When I called, i was told by the customer service representative that the account is closed due to inactivity. I did not receive any information that my account is going to be closed due to inactivity and having the account open since XX/XX/2011, i did not remember the terms and conditions. I asked for the terms and conditions to be sent to me so i can confirm that indeed that account was closed accurately and was advised that i will receive the terms and conditions in mail. couple weeks later i received a letter advising that XXXX XXXX Synchrony Bank XXXX does not maintain copies of credit card agreements for closed accounts. So there is no way for me to know the accuracy of closing my account.
Experian is reporting inaccurate and incomplete information on XXXX account.Experian has a disregard for the FCRA and the enforcement of the CFPB.Experian refuses to correct or investigate, they try to blame the creditor for Experian 's own violation of FCRA. 
Experian account, XXXX bank # XXXX ... is reporting incorrectly, incomplete and inaccurate .... 
specifically INCOMPLETE AND INACCURATE : no reported date of first delinquency, no reported date closed, balance history should show {$12.00} is the amount of last payment not XXXX, monthly payment was {$12.00} not XXXX as reported.payment history table does not show XXXX day lates or the 180 day charge-off date computed from the date of XXXX delinquency. 
the XXXX balance is @ XXXX dollars more than is legally permissible by the fully-implemented 2009 CREDIT CARD ACT In addition, the careless, INCOMPLETE reporting by Experian serves to '' RE-AGE '' the account, in a new creative way. 
( another specific FCRA violation by Experian. ) IN EXPLANATION : in not reporting the date of first delinquency, the date closed and having an incomplete payment table, the XXXX SCORING CAN NOT BE DONE CORRECTLY ( ATTACHED XXXX REPORT showing my only neg.acct., XXXX is calculated as 2.1 years late not 4.8 years late from the dofd. ) the XXXX report is from Credit Check Total, an Experian product.
In XX/XX/2013 I got a car loan at XXXX Nissan Motors in XXXX XXXX California But this car a few months late we discover that it vehicle was hit and the seller never said about this we went to make a report at Nissan consumer and they do n't did anything to help us one year late this same car was bringing to maintenance and in the passenger sit had some drop of water I told to the person at charge to deliver the car and to the manager but they said could be some water in one month late this sit had a hole when I show the sit to the manager they said that perhaps my husband gave a shuttle to somebody and this person smoking they never wanted help
I have received a response from SPS they have asked again for updated BPO Hud-1 settlement with buyers name ( XXXX ) bank statements tax return 2015 need second BPO Value, Description, Condition, color Photos, and a minimum of XXXX comparable. 
they had and have all these document 's, what I need is for SPS to read all the above and all the many more document 's that they have asked for complete the review, for the lasts 8 months. 

does is make any sense for me to keep making complaints, to a company to complete my short sale if I were not sending what was ask for to complete it. and why would I not what them to complete it, why would the realtor not provide all the document 's to complete, the purchase for her buyer for over 8 months, should make you wonder what SPS has been doing with all the document 's, if these short sale review was only just started I can see the request for additional document 's still being asked for over 8 months??? 
again I feel SPS I not capable of doing a Short sale by any government standard, and are internality, keeping my property from completing the short sale, CFPB needs to do more then process complaints which is more then SPS can do. 
Thank you
I have disputed this debt and asked them not to contact me. However, their letter states that even though the debt was disputed I need to disputed it again or they will assume the debt is now valid.
There is no delinquent account and this company Bay Area Receivables has not responded to my communication attempts regarding an incorrect claim that I owe someone {$480.00}
A company called " account control technologies '' ( XXXX ) XXXX keeps calling me about a student loan in collections for a borrower with whom I have no relationship. This is a loan for which I did not sign anything. The borrower listed me as a reference ( without my permission or without notifying me ), and the company " Account Control Technologies '' is calling me using phone numbers that I provided to the loan company XXXX XXXX for ANOTHER, UNRELATED account. Its not right for them to call me over and over again about a loan that I have absolutely no legal relationship to and when I asked them to stop calling me a few weeks ago, they called again today ( twice ) on all of my phone numbers. Today, I asked to speak to a manager, and he told me that not only will they continue to call me but they " legally '' can refuse to provide me a copy of the loan documentation where my name appears. This is harassment. I have no relationship to this loan and I never consented to be any sort of " reference. '' The company whose loan they are collecting on ( XXXX XXXX ) did not obtain any signatures from me about being a " reference ''. If it was included on a form by the borrower, IT WAS DONE WITHOUT MY KNOWLEDGE AND WITHOUT MY CONSENT. This should be illegal.
I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.
I made 6 withdrawals in one statement period from my money-market account at XXXX ( the online version of IberiaBank ). 

I was charged a {$15.00} fee for too many withdrawals. I called them twice, and they said that because 7 withdrawals were made in XXXX, that I exceeded the maximum number. 

But those are not the rules established in Regulation D of 12 CFR 204. The rule is not " monthly withdrawals, '' it is " per statement period. '' My statement period was from XX/XX/2018 to XX/XX/2018, and I made exactly 6 withdrawals in that time period : XX/XX/2018 - withdrawal for {$100000.00} XX/XX/2018 - withdrawal for {$1100.00} XX/XX/2018 - withdrawal for {$10000.00} XX/XX/2018 - withdrawal for {$5100.00} XX/XX/2018 - withdrawal for {$100000.00} XX/XX/2018 - withdrawal for {$4200.00} Their response was that I made another previous withdrawal in XXXX : XX/XX/2018 - withdrawal for {$10000.00} And therefore they charged a {$15.00} fee. But this is not correct, because that withdrawal was in the previous statement period. 

On the phone they said they couldn't reverse the charge and transferred my call to a " department '' that never picked up the phone. 

I have all of the statements and will provide if needed.
phoned work number at XXXX and at XXXX XXXX/XXXX/16 and XXXX XXXX XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 EXCESSIVE CALLS TO WORK NUMBER MUST CEASE
I bought my home last year and moved in in  XXXX   XXXX    XXXX   ). I called  Home Depot to update my my address for my credit card ( from CitiBank ). I never received my statement at the new address, and kept calling them about it. At the same time, I kept making payments from my onlin e banking. I always made payments greater than what my minimum payment was, however I just found out my account is delinquent and they will not make any adjustments because they are saying it 's my fault that my account is late. I have never been late or had issues with any of my credit cards.
About XXXX calls per day with a computer on the other end. I will make the payment when I have the income, they have been told I 'm not currently working and still I get around XXXX calls per day.
I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX  XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX
Chase is reporting XXXX credit card accounts on my credit reports that are over 7 years old form last active and past the 3 years of statute of limitations of debt collection. Chase/BestBuy Card ( XXXX {$540.00} last active XX/XX/XXXX ), Chase Credit card ( XXXX last active {$2700.00} XX/XX/XXXX ), I have disputed these account to be removed because they are over 7 years old and past the statute of limitations.
I wanted to purchase a video game add-on from a seller on a website forum. We agreed to make the transaction through Paypal and once the money was received the seller was not responsive. He constantly avoided any questions I had. Overall, the whole deal was a scam. I am sure the seller has done this to many other unaware buyers. The overall amount lost was XXXX XXXX I would at the very least like the CFPB to contact this individual to make him stop scamming.
A few years ago i had a repossesion and left me a balance reporting negatively on my credit on XX/XX/2016 I settled this account for a lesser amount and have a settlement letter from the attorneys office proving this. Gm Financial refuses to update my credit report showing account settled as they agreed when the settlement was offered to me.
I had opened a jewlery accout with XXXX in XXXX XXXX XXXX for the purchase price of XXXX, my wife was making the payments and the balance in XXXX XXXX reflected XXXX i called XXXX in XXXX virginia and they sent me a account history that had a begining balance of XXXX and my contract is clear. XXXX, we have over paid on the account and they wo n't talk to us or make restitution to the over payment and are still charging us interest. with a balance of over XXXX this is inaccurate and there are no stores left to speak to any live person and the office in XXXX wo n't talk or return calls/ emails. I have the original contract to prove my claims.
After the XXXX leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.
Our daughter XXXX has been using the parent plus loan financially supported by yours truly since at the time of our agreement she was going to college and not able to fully foot the tuition bill. To put more context to this situation, she has flown across the world and plans on marrying a particular person we do not agree with. We want to end the payments for the loan this year so she will not be able to use it the following year. Her new sought out independence runs short by her financial dependence on us- which consequentially we write to you for assistance in giving her what she wants, to be truly an adult.
I disputed wrongfull charges with the Chase dispute department. I was told by the Chase representative at that department all calls are monitored and recorded. I was told the items I am disputing occured more than 90 days ago. But, due to my military service, they can be disputed if they had occurred within one year. Therefore they qualify to be disputable charges. I was told I would recover all fees that were originally assessed to me and provisional credit for the disputed items would be credited to my checking account. Addionally I was thanked for my service and was told the fees would be credited back to me as a curtesy. Some were manually credited back to me from customer service and some were done systematically by the customer claims department. 
After, I received notification that the items were not disputable and all fees that were credited back to me as a curtesy would be taken back. Chase made no contact with the merchants to validate the charges were indeed done in error. Next all fees that were credited back to me as a CURTESY and imputed manually by the Chase customer service department and systematically were charged back creating my account to become severely negative. 
How is claims department changing policies? If you are crediting back fees as a curtesy then how can Chase take back what they had promised on a recorded phone call? 
Soon, the she
I Applied for a Credit Card with XXXX XXXX XXXX. I was approved for XXXX. I Called up and asked them why my credit line was so low. The rep told me that she would see if I was eligible for a higher limit. she told me I was not. I then declined the credit card. On my credit report, it says that i Opened and closed an account. I disputed with XXXX and Equifax as well as XXXX XXXX and was told that I closed the account. 

At no time did the XXXX XXXX rep inform me of my rights or tell me that asking for higher credit line would Trigger me opening the account as well as pulling my credit again. XXXX sent me a letter telling me that they could not delete the account which I believe is false. I never received a card and never made a single charge. I have also filed a complaint with the NYS Attorney General. My credit has gone down over 50 points because of it.
XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX XXXX, XXXX {$260.00} This is not my account.
Discover student loans has been consistently harassing me and my co-signer about payment on a loan that they have been unable to provide proof that they own. I have asked for the original promissory note multiple times and have never received it. I would like to discontinue paying this loan until I see proof that it is owned by Discover. They continue to harass my co-signer and I about payments.
I have sent out the bankruptcy letter to XXXX and Equifaxs to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted Equifaxs delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for Equifaxs told me on the XX/XX/XXXX they will delet public record never done it