WillisBack/dataset-financial-user-claim huggingface dataset:
I was working for a car dealership. I was working in exchange for a vehicle. XXXX XXXX XXXX. This dealer went behind my back, and used my information to fraudulently obtain financing on said vehicle through Credit Acceptance Corp. Credit acceptance corp started calling me for payments and I explained to them the situation, they within a week repossessed the vehicle from me. Now I have a repossession and unpaid balance on my credit of 3 times what the XXXX was even worth. I have told them of the fraud as well as disputed it with the credit bureau and all they do is renew the account so its fresh lowering my credit even more.
I have asked several times about the XXXX forgiveness program and was told by several workers at Navient that I do not qualify. They should have a record of each and every time that I called in regarding this matter. I make my payment of {$180.00} monthly and all of this is being applied to the interest on the loan. I do not see my balance going down. I make my payments on time and been paying on this loan for almost four years. Each time I have called into the company no one is willing to help me resolve this matter.
On XX/XX/2016 I seen on my credit report that accounts and inquiries was deleted only to login in today and seen that it was reinstated I did n't receive any information about it being reinstated and it effected my credit score
IUSE TI GAVE PAYMENT PROTECTION ON MY WALMART CREDIT CARD WHEN I WENT TO LOOK AT MY STATEMENT BECAUSE IM HAVING DIFFICULTY IT HAS BEEN REMOVED WITHOUT MY KNOWLEDGE IS THAT LEGAL?
I recently received a statement from a collection company ( XXXX XXXX XXXX ), attempting to collect on an {$800.00} outstanding loan, on behalf of a company called " Mobiloans ''. Knowing that I have never applied, nor received any funds from such company, I called Account Discovery System and spoke with account manager " XXXX XXXX '' to discuss the matter. After discussing with him the details of the situation and letting him know that I have never established any lending relationship with " Mobiloans '' ; finding it extremely suspicious that I have never even received any statements or attempts from the company itself, trying to collect on the " supposed loan '' and that it was sent straight to collections. Without any regards to me discussing this " non-existing '' loan, he attempted to try to settle this {$800.00} balance, for {$500.00} if I 'd pay right away. At this point I was not even aware for whom this collections company was trying to collect ; therefore I asked him for the name and details of the company, so I can attempt to gather all the facts. He provided the company name " Mobiloans '' with the corresponding account number and contact number. After speaking to a " Mobiloan '' representative about the situation, she was " NOT '' able to find any account information relating to any loan taken under my name, social security number, telephone, address ; stating very clearly that " Mobiloans '' has " never '' established any accounts with me. The representative that helped me, was the very same one that suggested and directed me on where and how to place a fraud complaint. " XXXX XXXX XXXX '' is ignoring what I have stated, insisting on " settling '' this " non-existing '' loan for a lower amount.
Looking at my credit report on XXXX XXXX XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One account was for {$200.00} and one for {$170.00} which is listed on my credit report as account XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and XXXX ( Health Insurance Portability and Accountability Act of XXXX ).
Ally Auto reported my XXXX car note payment as being 30 days late when it's die on the XXXX of every month I paid it on the XXXX I owed {$410.00} for XXXX and XXXX I paid {$420.00} I admit I was late with XXXX payment but not XXXX
On XXXX XXXX, 2015, I faxed a letter to Transunion asking for a few items to be placed under investigation. I received a letter from Transunion dated XXXX/XXXX/15, stating they do n't understand the nature of my request. My letter was very clear and concise as to what it is I am asking them for. They have delayed the process now for XXXX days, which is very unacceptable and they have failed to conduct a proper investigation as they are supposed to begin the investigation within a certain timeframe of when the request for dispute is received.
midland funding has repeatedly attempted to sue me for a debt they due not own, filed suit in a state that I do not live in and where the debt was not incurred or billed. Improper service, they taped a summons to the front door of a house I do n't live in and got a default judgement after two attempts.
XXXX XXXX call people about their car payments and and if they ca n't get in contact with the customer they will call references and Neighbors and give out personal information also they will offer the customers friends and family money to help them look for the car if their account is delinquent. They will also run credit bureaus on customers several times a month also if there is a third-party driver that is driving the vehicle that is not on the contract they will run credit reports and social searches on that third party and the third-party driver did not sign any kind of release to run their credit information
Today, XXXX I received an automatic dialer call from Sandanter asking to speak to XXXX XXXX I did n't catch the last name XXXX to my cell phone XXXX. I proceeded to advise the agent that I believe they may have a system error and that while myself and my husband XXXX XXXX XXXX do have a car loan account with them ( that was past due but on Friday XXXX I made arrangements to bring current ) our number was not for XXXX. She stated she was sorry and that the system just dials the numbers and that they called me for a XXXX and she would place a do not call on my number. I told her she could n't due that as I do have an account with them and would need them to call me regarding my account and that in fact I answered the call today thinking it was the agent I spoke with on Friday to confirm my payment arrangement. I advised her I am concerned because of my privacy and violations of calling my cell phone more then what is allowed by the FTC laws. I advised they had contacted me for the last few months more than XXXX times a day on my telephone number and my spouses cell phone number. His number is XXXX. She offered to transfer me to a supervisor because she was unsure what to do since she could n't add a XXXX final to my telephone number since I did have an account. The manager came on the line and advised me she would remove my telephone number from XXXX 's account. She located me and my husbands account and apologized for the error. I explained that they could be in violation and she advised they were aware of a system error within their dialer that crossed numbers last week but it was corrected. I advised it was not corrected as she just called my cell phone and asked for XXXX. I explained taht this does not seem right and I requested answers. When I explained if they were in fact in violation by calling people with there dialer and having numbers crossed that they could be fined up to {$1500.00} per call she assured me that it was corrected and they did n't call me more then the allowed times. I advised I was filing a CFPB complaint as they should be required to complete a call audit and provide logs on the calls they made to me and my husband to assure they were in compliance. Additionally, if there was a system error, how many other people were affected. If there is violation I feel they need to credit my account {$1500.00} per call they violated. Please advise me of your findings and get to the bottom of their dialer issues.
I received this enclosed escrow statement from Bank Of America stating that I have an projected escrow short fall of {$330.00} for XX/XX/XXXX. My escrow account was review at the beginning of XX/XX/XXXX. I contacted Bank of American in XXXX and XX/XX/XXXX and was informed that I didnt have a short fall in my escrow account for XX/XX/XXXX. All of my obligations were paid for XX/XX/XXXX from my current escrow account. The account as of today, XX/XX/XXXX, doesnt have a short fall. All require payment from the account will be paid. 
I called Bank of American XXXX XXXX XXXX to find out why I received a letter about XX/XX/XXXX when we are still in XX/XX/XXXX. I spoke to XXXX, in XXXX, he informed me that my account was evaluated again using the projected insurance and tax amounts for XX/XX/XXXX and they arrived at this amount. I asked XXXX, was my current escrow account short. XXXX said no, the account was current. I asked him how this assessment could be done again in this year when Bank of American has not received any bills for XX/XX/XXXX. 
I told XXXX, if I paid this amount that was cause me escrow account to have an overage and that I didnt think that was legal. How can I be expected to pay for a XX/XX/XXXX escrow short fall when the bills have not been submitted to Bank of America for XX/XX/XXXX. XXXX transferred me to XXXX, a manager, and we had the same discussion. She informed me that there was nothing she could do. She filed a complaint for me with the bank. 
This is in my view, on the situation. It is a form of extortion because I am being forced to pay a debt that has not happened. Bank of America doesnt have any bills to pay regarding my account for XX/XX/XXXX. They will hold my funds and millions of other customers as an asset to make loans and draw interest to increase their profits.
XXXX of XXXX, docs done for You, XXXX XXXX and Monterey financial worked together by completing forms for me to lower my XXXX XXXX payment. the forms would be for two years but we can only mail in one year at a time. at a cost of {$1500.00} paying {$58.00} monthly. I have already completed one year and should have completed the second forms since the summer of XXXX. I continued to make payments until XX/XX/XXXX when I stopped on the suggestion of XXXX XXXX because they are no where to be found. I tried several times reaching out to them by telephone and writing. the only company I was able to reach was Monterey financial because they would normally take the money from my account. I explained to them what is happening and they told me that they can not help me. Yet, they are collecting money I don't have. I am left with a large monthly student loan payment and incomplete job done by this group. I am now being bombarded with telephone calls everyday to pay for this service that was not done.
While my wife was shopping at a XXXX store, a girl approached her asking if she had interest in applying for a XXXX rewards credit card. My wife does not handle the finances and has little interest in how credit works and what effects credit scores. From what the girl described to her, my wife thought that I would be interested in the card. My wife asked if she could have information mailed to me about the card to see if I were interested. The girls said yes and asked for my personal information. Without my wife 's knowledge, she was applying me for the card. Not simply sending me information. Now I have a credit card I didn't want and a credit inquiry on my report that I really didn't want. I contacted US Bank, and they said they can close the account, but had no way to get the inquiry off my credit report. This is unacceptable as I did not authorize this inquiry and the girl at the XXXX store was extremely misleading to my wife. This is extremely predatory behavior to consumers who do not fully understand how credit reporting works and how credit applications effect your credit report. We are in the process of a mortgage application to buy a new home and this inquiry in the middle of that is the last thing in needed. I don't see how US Bank can not simply file a report with the credit bureaus undoing the credit inquiry. This predatory practice of baiting consumers with promises of " discounts '' without explaining the credit application process and how it can effect a consumer 's credit is extremely immoral. The fact that it wasn't made perfectly clear to my wife that she was applying me for a credit card resulting in a hard inquiry should be illegal.
I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice.
I began paying back my loans at XXXX a month from XX/XX/XXXX to XX/XX/XXXX and in XXXX they said my loan payment changed to XXXX dollars ... which it should have been the whole time but a " mess up '' happened. So as a struggling XXXX I paid more than I had to and they made me begin paying back loans not even a month after graduation.
I APPLIED FOR FINANCIAL HARDSHIP ASSISTANCE FROM MY SERVICER SPS, I WAS RECENTLY DENIED DUE TO THE LENDER STATING THAT THEY WERE UNABLE TO OFFER ME ASSISTANCE BECAUSE THEY COULD NOT CREATE AN AFFORDABLE PAYMENT. THIS IS ABSOLUTELY CRAZY, FOR ONE IF THEY DID NOT EMPLOYEE UNDERWRITERS WHO DO NOT UNDERSTAND HOW TO CALCULATE INCOME I WOULD NOT BE IN THIS SITUATION. THEY ARE STATING THAT MY HOUSEHOLD GROSS INCOME IS {$3900.00} AND MY TRUE GROSS INCOME IS {$6000.00}. SECONDLY, I GOTTEN MY LOAN IN XX/XX/2007 AND HAVE NEVER NEEDED ASSISTANCE. MY MATURITY DATE IS XXXX WITH A 8.63 % INTEREST RATE!! I HAVE A RATE WHICH IS DOUBLED TO TODAYS INTEREST RATE AND I AM IS XXXX YEARS OLD, THIS IS ABSOLUTELY PROOF THAT MY INVESTOR AND SERVICER ARE PREYING ON MY AGE TO KEEP ME IN A RATE ABOVE 8 %. I WILL NOT ALLOW THESE PEOPLE TO STEAL MY HOME BECAUSE THEY ARE GREEDY! AN EXTENSION ON MY TERM AND TODAYS MARKET INTEREST RATE WILL BE AFFORDABLE, I WOULD SAVE OVER A {$1000.00} A MONTH ON A 4 % 40 YEAR LOAN, DONT LIE TO ME AND STATE THAT YOU COULD NOT PROVIDE ME WITH A PAYMENT OUTSIDE OF YOUR BOGUS GUIDELINES. WHAT YOU ARE TRYING TO STATE WITH A SMILE IS THAT I WILL STEAL YOUR HOUSE AND MAKE YOU HOMELESS, WELL WE WILL SEE WHAT XXXX XXXX, FTC, XXXX, HAVE TO SAY WHEN I FORWARD THEM THIS COMPLAINT. YOU WILL NOT VICTIMIZE ME AND STEAL MY HOME.
I received a letter in the mail from Macys saying that a credit card that I have has added an authorized buyer. I do not have a credit card with Macys and the number on the letter was a recording asking me first for my account number which I do n't have and then my SS number, then it says account can not be found and the phone hangs up.
My Equifax Credit score dropped significantly with in the last 2 months. I contacted Equifax customer service representative to try to rectify the problem. I never had my credit scores to drop 172 points in a weeks time.
I have had a XXXX  credit card for years with auto payment for balance in full monthly. This month they decided to all of the sudden charge me a late fee and interest and claim that I've never had auto payment setup. They are trying to ruin my credit score by removing my auto payment in full and in an attempt to earn  additional interest.
Six years ago cleared up flood insurance with XXXX XXXX XXXX on vacant land, no flood insurance required. Three years later XXXX XXXX XXXX sells our mortgage to Nationstar. paying the usual monthly payment to Nationstar for about a year they suddenly send a letter to us stating we need flood insurance and if we do n't get it they will place insurance on us. I explain what we did with XXXX XXXX XXXX that the structure was removed there for no insurance required. I send proof from town hall stating the removal of the structure. They say not good enough and decide to place flood insurance on to our mortgage. Nationstar was asking for an additional XXXX month and we refuse to pay the extra money but continue to send the regular payment hoping we resolve the situation.We send the regular payment for about 8 months and that is when they refused to accept anymore payments from us and put us into foreclosure. Two years later and XXXX lawyers later we are stuck in limbo. Our credit is destroyed ca n't get a loan ca n't refinance on any of our properties. 
Thank you XXXX
On XXXX, I contacted a customer service rep at Sears Credit Card. I arranged via phone to pay the credit card off. With Sears writing off some interest, the total amount that the representative told me to XXXX this card out was {$2000.00}. I paid that amount during this same phone call and was even offered the opportunity to now transfer other credit card balances to this account that may be high interest. On XXXX, I noticed that instead of a XXXX balance, my balance showed {$290.00} after payment. I e-mailed Sears about this and ultimately received an e-mail to contact them directly that these matters do n't get handled through e-mail. On this date I reached an individual on the phone who identified himself as XXXX. I explained the above to him and ultimately he said that even though I was told that the account would be XXXX after payment that it was still my responsibility to pay this new balance. He even went so far as to say that I get statements which I told him that I did not get paper statements that I could still log in and get my balance. I told him I understood all of that but in the end I had a live representative on the phone telling me account information and confirming XXXX that after payment my account would be XXXX. In getting no where with XXXX, I asked to speak to someone else in charge and he refused to do so after several attempts, he kept saying that I was accountable. I then asked direct questions as to whether or not he was refusing to give me another rep and ultimately, he said he would and put me on hold. He then came back briefly to tell me he 'd be sending me to a rep. I waited on the phone afterwards about XXXX minutes without feedback from anyone until I hung up. My total call time was XXXX minutes. I would like for Sears to honor what I was told and XXXX my account out. If this does not occur, I will certainly have no choice in paying this additional amount of {$290.00} and will then promptly close this account. I am amazed that even though I talked with their own account rep that ultimately I 'm told that even though they said that, it 's not true. These are shady business practices and XXXX needs to be dealt with regarding his poor, customer service skills as well as keeping me on hold without feedback or another representative getting on the line. I guess he got his revenge against me for questioning him and Sears by placing me on hold and no one coming to the phone. Nice tactic!!!! 

XXXX XXXX
I sent a letter to HSBC Bank inquiring about a account that they listed on my credit reports, which I do not recognize. The account number is listed as XXXX. I disputed their reporting reporting of this account under FACTA rules and regulations. I wanted a FACTA request for a complete accounting of account. I asked them for the date and amount of each and every charge, payment, or adjustment made on the referenced acct. I also told them that under FACTA, they must either provide me the requested info or delete this acct from all credit reports. To this date HSBC Bank has not provided me this information.
I took out an installmemt loan with original credit limit of {$1400.00}. But because I reborrowed, the total amount owed is {$1600.00}. Speedy cash/ XXXX XXXX   continued to tack on interest and fees for weeks and days.in spite of my efforts in calling requesting managemnt to give me a call etc. and recieving calls trying to get balance resolved upon time of default, I never ignored their calls always explained my situation to them time and time again. They seem to be very heartless and cuthroat as a financial company, its terrible and sad. I have been in contact with dozens of reps requesting payment agreement before it became outstanding with fees totaling {$2100.00}. I have had a medical hardship which caused a financial hardship for which I explained to what it seemed like a million reps before the interest fees became ridoculous. Speedy cash has recieved before default {$700.00} and some odd dollars already. I dont dispute that I owe the money that I owe I only dispute the amount that they are wanting due to interest and fees. Totaled borrowed was XXXX. I have already paid 700 plus dollars. I called asking once again for a manger to call to get this worled out reasonably and I am asking that they waived the extra {$500.00} in fees and interest and modify the existing payment agrrement of 10 pmts of XXXX  to pay out amount of XXXX instead Of {$2100.00} dollars because in The end as it currently stand, they would have collected from this loan a total of over 3000 dollars from an original credit limit amount of XXXX which is double what i originnally borrowed. I asked for a manager to give me a call about getting this payment agreement amount modified from {$2100.00} to {$1600.00}, and waiving the extra fees which would be less than 10 total pmts of XXXX a month..Being again, they have already recieved XXXX plus in payments. I need a manager to have a heart and straightened this amount out to be paid out total to be reasonable, which would be XXXX. And take into account the XXXX dollars that has already been faithfully paid. Iweekly upon illness whoch resulted in default.Thank you
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and Trans Union ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
XXXX  has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.