WillisBack/dataset-financial-user-claim huggingface dataset:
I have been with XXXX XXXX for 5 years and have made every payment with an additional {$2000.00} Principal payment. My Home loan was sold to Specialized Loan Servicing on XXXX XXXX 2015. I received a letter from SLS that they had acquired my Home Loan and I contacted them and made a XXXX XXXX payment of {$1500.00} with an additional principal payment of {$2000.00}. They informed me that I owed them an additional {$610.00} and I asked where this amount had come from and I was told on XXXX XXXX that they would look into the fees and get back to me. 

They took the payment of {$1500.00} and the additional Principal payment of {$2000.00} for a total of {$3500.00} which was deducted from my checking account. After a week I checked my SLS account only to see that they had not applied the {$2000.00} to my principal but had made an additional Mortgage payment so I called again only to have customer service tell me they would correct the problem and it would show on my account by the XXXX of XXXX. 

Today the XXXX of XXXX I logged into my account only to see that they have taken the {$610.00} for which there is no explanation when it was transferred and reversed the Mortgage payment with this code - XXXX : Payment Reversal. How much more confusing to a customer can you get???? My account shows the same amount owed after making a {$3700.00} payment. 

I have called and left messages for XXXX XXXX XXXX at their corp HQ in XXXX, CO at XXXX ext XXXX with no response. They have little to no respect for customers when called to inquire about the way a payment has been applied and want to charge fees that were never included with the original loan at XXXX XXXX. I 'm not real sure what XXXX XXXX DOES???? or for that matter how they correct a problem when they buy the loan but the response and actions of SLS are in BAD FAITH as a lender.
I put my money in XXXX XXXX XXXX XXXX. in XXXX XXXX, Mo., when XXXX XXXX was the president than he and my money was transferred to XXXX XXXX in XXXX XXXX Mo., where XXXX XXXX was also the Banks President. Now my money ( XXXX dollars ) and XXXX XXXX has disappeared. my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX 
XXXX XXXX
I have worked hard to have a decent credit. I am young and the only negative thing in my report is two late payments. I recently got denied a car loan. Received a letter explaining why, apparently a credit rating company that I 've never heard of called XXXX XXXX gives me a rating of XXXX. Their reason " too many delinquencies ''. I 've seen many complaints for this mystery company online but I want to make sure I put my complaint in too, so this company gets taken care of ASAP.
I have a a unverified account from FABCO. I had previously disputed this account. I have never done business withFABCO. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I went to XXXX XXXX on XXXX XXXX and traded in my XXXX Nissan Sentra for a XXXX Nissan Rogue. I informed the sales associate and finance department that my payment was due that day and I did not want to be late, incur any fees or risk being taken to collections. I have always paid my account on time and more than the minimum payment. My XXXX Nissan Sentra was financed through their own financing, NMAC. They recommended me to call NMAC and let them know that I had traded my car in and that the pay-off should be coming shortly. I did as instructed and left that day with my XXXX Rogue. I had to come back to the finance department of XXXX XXXX on XXXX XXXX to re-sign the loan documents since I had financed through NMAC again. That same day I brought it to the attention of the finance associate that my car was still not paid off and going on seven days late. They informed me the payment was going to be sent out that day since I was signing the new loan documents that day. Multiple calls/texts had been exchanged prior to the vehicle going 30 days late. However, no one would take ownership and/or follow up with me. Fast forward to XXXX XXXX, not only did I receive a notice that NMAC ran my credit through XXXX XXXX, incurring an additional and un-necessary credit inquiry, but I received XXXX notices stating that XXXX XXXX had in fact failed to payoff my vehicle within thirty days of my original payment date, resulting with my credit score dropping over XXXX XXXX points. I sent an e-mail to XXXX XXXX, the GM of XXXX XXXX, on XXXX XXXX to inform him of my experience. In the e-mail I had requested that he take the necessary steps to address this experience and correct my delinquency on all XXXX of my credit reports. This has taken me well over a year to have finally removed the delinquency and to try and repair my credit score. I never heard back from XXXX XXXX and my credit was never fixed so I moved forward. I filed a claim with the XXXX. The response from XXXX XXXX was that it was my responsibility to follow up with the dealership to ensure the payoff was sent. After sending back a detailed verbatim response, XXXX XXXX had no further comment or feedback. Either XXXX XXXX or the XXXX closed the case and listed my complaint as answered but unresolved/unsatisfactory.
I have the XXXX Citi Business card. I had to pay for refrigerator repair for my business on XXXX/XXXX/XXXX. That cost {$700.00}. Refrigerator worked fine the few times we used it in XXXX and we took a break in XXXX for wedding and honeymoon. In early, XXXX I contacted the frig repair company since the problem came back and I ca n't run my business without proper working equipment. Company came out and charged {$120.00} for a diagnostic fee on XXXX/XXXX/XXXX. They order parts and completed the work on XXXX/XXXX/XXXX for another cost of {$1000.00}. The total I paid this company is {$1800.00} and in early XXXX the frig went out again. I ended up purchasing a new unit for {$2800.00}. I contacted Citi to dispute the charges on XXXX/XXXX/XXXX they gave the business owner until XXXX XXXX to respond. Fortunately they responded sooner, I provided my a letter stating that the repairs were inadequate. They told Citi bank that they have a 90 day warranty, but the company told me they have a 30 day warranty. I 'm being taken advantaged of by this company and Citi bank did nothing to resolve it. They sent me a letter stating the merchant did n't want to refund me so the dispute is resolved. Citi rep was also telling me that the time it took me to dispute exceeded the allowable time, but it only took this long because they gave 3 months to respond to the dispute.
I have attempted by indentification documents, documents citing the name change by the social security administration, to include the merging, mixing, and citing that there are XXXX such individuals with the same name as I have, citing that in a letter from the social security administration, and instead this corporation instead of accurately investigating the issue, just includes the others name on my credit report, and states that they verified the information, which is factually inaccurate. Experian is the worst, in support of the organizations that pay them, they will just restrict consumers from disputing online, citing they have already investigated a issue, when in fact they have n't, but still get paid to perform the same. In my mailing the dispute, i included IRS forms XXXX, XXXX, Social Security Cards, income verification from the social security adminstration, address verification showing my actual name, and it was ignored for profiteering. 
On my credit report there appears XXXX name identifications which are n't mine, neither as included in my dispute mailing per the social security verification system, does n't verify to my social security number, yet Experian states that such is verified, which is factually inaccurate, and malice in support of financial gain. The names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all are someone elses. To wit, XXXX XXXX XXXX XXXX, is my son, XXXX, date of birth XX/XX/XXXX. XXXX XXXX XXXX is my brother, XXXX, XXXX XXXX is XXXX. Experian allows unauthorized inquiries, and items upon the credit report, without verification of even the correct name, it 's profiteering, not investigating motivation.
On XXXX XXXX, 2017, I submitted an written letter XXXX sent certified ) dispute with TransUnion and XXXX  concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). There is a major problem with this method they have chosen, because I am have placed a security freeze on every data mining company available, including systems XXXX. ( See attached docs with written verification from each company ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. 
My county courthouse does not provide this information and neither does the CA Department of  Revenue, but Transunion and XXXX employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. I have spoken to both XXXX XXXX XXXX and Sacramento County 's Recorder Office and they have stated that they do not report directly to the credit bureaus, nor do they know how the information is obtained and placed in the credit reports. ( please refer to my documents from both county recorder 's offices stating as such in writing ). The credit bureaus do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both TRANSUNION AND XXXX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
This card is believed to have charged me more money than owed. Multiple inaccuracies charged to my account. I feel unsafe with this company having my credit information,
Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report.
I have a credit card with Citicards, and initially had a payment due on XXXX XXXX. I made the payment at XXXX PST on XXXX XXXX, however as they state it was past XXXX ET ( even though I live in CA ), a late fee and finance charge was applied. 

I paid both of those and my balance in full on XXXX XXXX, and received a confirmation email stating the payment was applied on XXXX XXXX, my due date. 

For XXXX, Citi applied a finance fee on my account. I called on XXXX XXXX to dispute this charge, and when speaking with the customer service rep, I was told because my XXXX bill was paid on XXXX XXXX, I was applied a finance fee. I let the representative know that I have an email confirmation stating my payment was applied on the XXXX of XXXX, however due to delays in banks, it might not have posted until XXXX XXXX. The customer service rep was adamant I made a late payment, however he would work with his supervisor to see if the charge could be waived. 
The customer service rep ended up crediting the finance charge, however the excuse he used was since I 've been a customer for 19 years. The reasoning should be because I made my payment on time, as noted by the automated email supplied by Citicards. That is very suspect that they note a payment as paid on time, however apply finance fees to their customers, and I suspect this is being done to other customers unknowingly as well, and are illegal.
I filed for bankruptcy on XXXX 2014 and included everything debt that I had except for an auto loan I had with Navy Federal as I am the co-borrower on the account. I am still making on time payments on the account. Fast forward to this time, every credit bureau reports that the account is included in my bankruptcy which I and the attorney who filed did not include.
My father received a call from Diaz and Associates for me and gave me the message. I called the number back and spoke to a woman who was very nice. She then put her supervisor XXXX on the phone. He was the total opposite. When I told him that I would not pay the bill because I did n't believe it was mine he became very rude. He started harassing me. I told him he was being harrassing. Having worked at a collection agency I know the laws. He then said that I must not have been very good since I was not working there anymore when in reality I moved out of state and im still in collections. He continued to be very rude and insulting. The mini Miranda was not provided by either him nor the first woman. I was not told my call was being recorded. When I told him to stop calling my dad 's he said the number was removed. When I asked what number, he refused to give it to me. I did tell him not to call my phone either as it is a cell and once I tell him not to he ca n't. He then told me that I 'm harassing him by not hanging up the phone. I told him I wanted to know what numbers were being removed and he again refused to tell me. He then continued to make comments to try and degrade me. I let him know that by doing what he 's doing he is still breaking the law. He finally gave me the numbers that were being removed and the call ended. This whole call was a violation.
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX, Account number:XXXX. I disputed again with XXXX on XX/XX/2018. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
It was not me dont know ware the bill come from having been to a hospital in eight years XXXX XXXX XXXX XXXX say I owe them I dont know ware they come up with that bill it worng for them to put it on me I dont owe them it was not me they have a collection on my report Franklin collection service {$100.00} its not me have no idea why it is on my report open XX/XX/2016
I lived in a Apt Complex - ( XXXX XXXX XXXX ). Stove caught on Fire. It burned part a cabinet and smoke all over the kitchen and living room. I have Fire Dept report it was n't a grease fire. It was undetermined. I always paid on time. never broke my lease, Send certifies letters to find out why they continue to report to my credit as collection when I am not responsible. No one can answer but send me copy of invoice that was sent to them from Apt complex.
I have asked this company Navient to provide me the proper documents in order to verify and validate a loan I allegedly owe. They sent me the wrong info and this will hurt my credit for something that I do not know its mine because the proper documents have not been sent. It has been over XXXX days and by law they have to remove it from my credit
The customer bought an item from me and then did a charge back claiming he did not get the item. Now I am out the item PLUS my fee! He paid through paypal and they sided with him even though he did not send back my merchandise nor did he or XXXX adhere to our return policy! XXXX said he sent back the item but all he sent back was the original invoice copy! This man is running ascam to buy other items, claim he did not receive them, then send back a copy of an invoice and claim a return was made! No one checks inside the envelope which has nothing! I have the original envelope and invoice sent from him to prove this!
I cancelled a service XXXX 2016, I recently received my credit card statement for the month of XXXX and realized that this company billed me TWICE in the amount of {$59.00} for a service I CALLED AND VERBALLY CANCELLED TWO MONTHS PRIOR.. CALLED AND Spoke with a agent who confirmed that I have not used these services but told me that my money WILL NOT BE REFUNDED ...
Today, as alerted by my calendar, I tried retrieving online my free annual credit report from Equifax. As usual, they refused, asking me to apply by snail mail. No reason is given ( " We are not able to deliver your free Equifax Annual Credit Report online '' ). 

They do ask 4 " identity '' questions, 2 of which are related to items in my credit report and I can answer precisely, another 2 aren't ( this is determined with a copy of my most recent Equifax credit report that was sent to me by mail ), and are best answered as " None of the Above ''. 

Equifax ( as well as XXXX  ) do this every year ( All of XXXX 's questions are relevant and can be answered precisely, and XXXX 's report is always available online ). Equifax  ( and XXXX  ) just plain refuse to show me my credit report online. Will this Bureau put an end to this abuse?
Quick recap of the past year, we have a MTG thru Wells Fargo, I lost my job a year ago and started a new job. Things were slow to start so we got behind on our pmts. We were trying to do a loan modification recently and then hurricane XXXX came XXXX XXXX and hit our home hard. We had between XXXX and XXXX feet of water thru our entire home. We have flood ins, and the adjusters came n did their thing and we 've already received XXXX smaller checks to start fixing our home. I took the checks to Wells Fargo since the check is made out to myself and them. They refused to cash the checks, reason being they want to make sure we spend the money appropriately. We was told they 'd send us a packet ( we still have not received the packet ) we have to fill out and sign the checks over to them. After they approve what we 're doing with the money, they 'll disburse the funds in increments and it 'll take an additional 3-4 weeks before we even get any of the money to get. We was told we could also request an emergency approval for the funds due to our circumstances. On XXXX XXXX, We filed for the release of the funds and was told we 'd have an answer within 3-4 business days. On Fri XXXX XXXX, I called and was told the request had been denied but we could refile, so we did, which was also denied. Now thru this whole process, we ( myself and my fiance that resides with me ) were both calling Wells Fargo daily and numerous times, which entailed being on the phone anywhere from 30 min to 2 hours and conveniently being disconnected by them numerous times and many transfers. At this point, we have a hole in our roof, have no refrigerator, no stove, or hot water tank heats to give us about 5 min of hot water ( just had a plumber here seeing if we changed the element would help and he tried but our tank is ruined from being in the much water and all the stuff that got inside & was informed it will stop working soon ) and to top it all off, on Mon XXXX XXXX, we started visibly seeing mold growing in our kitchen. We are trying to do everything we can to make do until get the money to do things right. We have nowhere to go so we have to stay here. We are both starting to notice symptoms of being exposed to mold ( my fiance has a XXXX ). We have begged and pleaded for any kind of help to get this cashed so we can start to put our house and our lives back together again and Wells Fargo just does n't care and refuses to help us. We have used all of our funds just to continue daily living.
A company called collection connection just sent me a letter demanding payment in full within 10 days or they claim will they turn it over to an attorney in my city. I do not owe this debt. I paid the XXXX in cash when I withdrew. They have never validated this debt. I have disputed this account on all XXXX bureaus to no avail. Not only are they threating to sue me on an account I do not owe, not validated, but its also after the PA statute of limitations.
My mortgage has been services by Loan Care, XXXX XXXX XXXX, XXXX XXXX, VA XXXX since XX/XX/XXXX. I attempted to log into their system in XX/XX/XXXX to make a payment. The system would not allow me to log in using the credentials I had been using for the past 11 months. When I contacted Loan CarXXXX they would not explain why I was unable to log in. Someone was supposed to contact me to resolve the system issue but no one never contacted me. Today, I again attempted to log in and was still unable. When I contacted Loan Care again, I was told by their Customer Service department multiple people were unable to access their online accounts. I am concerned based on what seems to be low levels of security as well as the fact my access and other customer 's access was shut off that they may have breached. I would appreciate it if someone would be able to investigate my concerns.
J

PMorgan Chase is currently the creditor for my automobile loan. Every time I go to log on to their website, I get errors. It is always a problem with the password or user ID. I have changed it literally over a dozen times over the last year ( once every month, because when I make my monthly payment, I must attempt to change the password each and every time I log in to my JPMorgan Chase auto loan account ).

Note that I have tried this on 3 different browsers, as well as my wife 's computer and my work computer. All scenarios end up the SAME.

This has been very stressful every month I go to pay. I also have found that a simple internet search reveals that many people are having the same problem. I sincerely believe that they are intentionally making consumers late on payments. Whatever their motive is, they know darn well that this is an ongoing issue for many of their account holders and yet they do nothing about this. Please proceed with an investigation and if so, I might also be interested in heading up a lawsuit against this criminal activity.

Thank you for your time.
On XX/XX/XXXX I called Navy Federal Credit Union to inquire about the Servicemember Civil Relief Act and eligibility of spouses of current XXXX XXXX members. I was advised by the representative that I was eligible for the benefits and that my husband did not have to be on my bank or credit card account with them. On XX/XX/XXXX I received a call from Navy Federal advising me I was denied since my husband was not on my account. I was deceived by the company, which under the Dodd-Frank Act is unlawful. Navy Federal refuses to investigate the information I was originally provided and reconsider the decision made regarding the SCRA benefits.