WillisBack/dataset-financial-user-claim huggingface dataset:
I got a loan with One Main XXXX XXXX. for I think $ XXXX ( Ca n't find statement for initial letter. I have fallen on hard times and called them XXXX/XXXX/XXXX because I noticed that as of my statement on XXXX/XXXX/XXXX I still have a balance of {$1900.00} left. This is ridiculous after all this time. I called the company and explained I could n't pay the loan anymore and to come get my car. The company waited a couple of weeks then called me back and told me the would not come get the car and I stilled owed the balance. This does not seem fair. I am on XXXX and I feel that I am being taken advantage of. They call my phone at least 5 times a day and will not just come get the car
We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
3 fraudant charges on my US Bank credit card. All posted on XX/XX/XXXX in the amounts of {$99.00}, XXXX, and XXXX. The charges stemmed from a 2 different XXXX gas stations, that we do not even patronize. 

A call was made to US Bank on XX/XX/XXXX to report the fraud. I was told a claim was made and that it would be taken care of. 

After 2 weeks, no communication has been received from the bank regarding the claim. The charges were still posted to my account. I called and spoke to a supervisor, and was told : 1st, that the claim had been researched and denied. Than transferred to a supervior that said she would resolve the issue, making sure the account was credited back for the charges. 

Now 4 weeks later, I called again to see what the problem was with crediting the account. Spoke to another supervisor and was again assured that I was not responsible for any fraud on my account and that he would make sure it did not " fall thru the cracks '' again. 

It has now been a month since the charges were placed on my account and I still have not been credited back for those charges.
a company called XXXX XXXX XXXX made a hard inquiry on my credit report on XX/XX/2015 i never had any dealings with this company for any type of reason i never applied for credit, employment from them, i firmly believe this company is the same one i had previous trouble with XX/XX/2015 just a different name
I have contacted Equifax so many times via phone online, and via first class mailings on many many occasions in regards to 4 accounts that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Equifax more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.These account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX with a balance of {$210.00} and XXXX Collections with a balance {$200.00}, XXXX XXXX with a balance of {$160.00}, and XXXX XXXX XXXX XXXX with a balance of {$690.00}
My credit card company sold my XXXX debts for XXXX and XXXX to a company called CACH , LLC. A few months ago I contacted this company to pay this debt and spoke to a representative who assured me that If I paid the balance in full they would remove the debt from my credit reports. I told them to give a day and I would have it for them. I called back the next day and spoke to a new representative who told me that they would not remove the XXXX debts from my credit report and then my balance owed changed to XXXX dollars total. when I explained that the balance was not correct and I was also assured that my debt was supposed to be removed upon full payment of both debts, and that I wanted to speak to a supervisor, she hung up on me. Since that time I have been consistently calling trying to take care of this debt and I have not been able to reach anyone since.
I had to relocate to Iowa for employment last year. I tried to rent this condo out since I was underwater on my mortgage but unfortunately shortly after I left there was a huge roof leak that caused major damage. The insurance covered a portion of the repairs but the rest were up to me and I do n't have the money. The stairwell is damaged and so is the top floor of the home making it unrentable. I hired an Agent to help me short sale the property and we submitted all of my paperwork. Shellpoint had the locks changed adn left the wrong keys in the contractors box, locking my Agent out of the home for full month making it very difficult to get an offer. Once we finally gained access we got an offer within a few days and submitted it to Shellpoint. They state they will not postpone my foreclosure date because they have not received a value they ordered.
I 've had a mortgage since   XXXX   and never missed a payment to date but there was a letter from the bank that stated I needed to pay {$50000.00} in  one  lump sum, but being  XXXX  with nothing more than social security I can barely make my regular bills so i have to get help from my  XXXX   XXXX   XXXX  mother so I applied for a home equity loan because the house is worth about {$300000.00} so i have {$250000.00} in equity and they have been stringing me along for 8 months having me re-fax documentation over and over with no decision on the extension of the loan, then they put information to the credit bureau stating that my payment are late making it impossible for me to go somewhere else than  Bank of America  so its like they sabotaged my probability of obtaining a loan period so the can take my house since there 's only {$50000.00} left on the house that would make their profit around {$200000.00} to {$300000.00} a pretty tempting business deal and I cant say for sure that its their intention but why would they hold me off since  XXXX  without a decision although they did deny the loan and I 'm in the appeal stage and faxing all that information again, so it makes me feel like foreclosure with no out so please help me
I currently have a loan with American Education Services ( AES ) through XXXX XXXX. My loan was disbursed on XX/XX/XXXX for {$33000.00} and I have not missed one payment in almost 10 years. The loan is currently at {$28000.00}. Less than {$5000.00} paid off in 10 years. This has been very difficult on my family and myself, especially since the interest rate has continued to increase over the years. They say I am not eligible for a rate reduction or Public Service Loan Forgiveness. I am a paid career XXXX/XXXX and should be eligible. My expected payoff date is XX/XX/XXXX  which is 30 years of payments. Very cruel and unfair. When I took out the consolidation loan I was not prepared to NEVER catch up on the loan. Making payments above the minimum is just not possible but seems to be the only way to get ahead, which is not right. I have contacted AES many, many times seeking any kind of help or advice without any resolution.
I had previously disputed this items several times on my credit report with Equifax only, for XXXX XXXX. I have sent them XXXX 's received from XXXX in 2014 taxes paid on this forgiven accounts. And they 're still showing balances when it should show settled and XXXX balances.
To whom it may concern, I need your help to return my money from Bank of America.

On XX/XX/XXXX, I was paying my Bank of America credit card balance online and by mistake, instead of {$1500.00}, I transferred {$15000.00}. When I realized this mistake I contacted Bank of America customer service department, and requested a transfer of {$13000.00} back to my XXXX XXXX XXXX   account. I provided all account information bank routing number and account number.

On XX/XX/XXXX, Bank of America made a readjustment and debited my credit card account for the transferred amount. I received a letter, stating that {$13000.00} were transferred to the original source. Unfortunately, this money never came to my checking account. After all my contacts and communications with Bank of America Customer resolution department, I did not achieve any results. Three cases were opened, closed, and marked as completed. In order to find the lost money, I requested that detailed information about this transaction is sent me, but Bank of America representatives refused to cooperate and help me solve this problem. 
At the time of the first transaction, I did not have enough money on my checking account, and this money came from my XXXX XXXX XXXX  credit card, linked to my checking account for overdraft protection. Now I am paying daily interest for this amount, and already paid about {$400.00} dollars. 
Please help me resolve this problem, and return this money to me.
About XXXX or XXXX years ago I was struggling to make my mortgage payments. I contacted Chase to see if I can modify my loan somehow ; because I was struggling to make the full payment and if they can help me. At the time I was not in default yet when I asked for the help. They basically told me that I had to default before they can help me. Throughout that time I filled many Home Modification Loan Applications and they kept denying me. They told me that they were the servicer of the loan and the bank that owned my loan did not do modifications. I still kept applying since they told me to try again. Chase mentioned to me that according to their regulations I did qualify for a modification but since the bank that owned the loan said no that there was nothing they could do to help me. Still they kept asking me to file again. I also got in touch with a company named Defend Your Mortgage. They were going to investigate as to why I was not getting a modification. I paid them {$5000.00} and in the end said I had a good case and forwarded me to a lawyer to assist me. That lawyer asked me to pay him {$1700.00} a month ( which I paid for about 3 to 4 months ) so he can work on my case. After several months of paying this lawyer and nothing was done, I stopped paying him because he said I had to keep paying him and that it could take several months before anything happens. After about 2 or 3 years of applying for modifications with Chase I gave up. My house went into foreclosure in XXXX XXXX ; so I lost what I was fighting so much for. I think Defend Your Mortgage, the lawyer and Chase took me for a run around making me think they can help and they never did. I ended up losing money and my home. No today I get a letter from Chase saying that they made an error that could have extended my document collection period during my review of my application for mortgage assistance. They sent me a check for {$100.00} as compensation! They were apologizing for not providing me with the level of service they should have. Please contact me if you need further information.
I purchased a XXXX from XXXX XXXX, in Florida, on XXXX XXXX  2017. I informed them I would finance it through XXXX. I specifically called XXXX to remove a freeze so XXXX could do a credit inquiry. I subsequently noticed XXXX credit inquiries, XXXX for XXXX and XXXX for XXXX XXXX. Also, Transunion shows an inquiry for XXXX and XXXX  for XXXX XXXX.
I called XXXX XXXX to inquire as to why there was a credit inquiry from XXXX XXXX when I told them I 'd finance through XXXX. I was promised a return call. I waited a week and tried again. Same result. I submitted a " talk to the XXXX '' to XXXX XXXX  management through their website, which promised a response within a day. No reply. I tried again, no reply. I called again, now in XX/XX/XXXX, and spoke to the finance manager, and she said she could n't help since it was more than 30 days. I requested the issue be brought to the attention of her management and she reluctantly agreed. I still have not heard anything and it has been 6 weeks since that discussion.
I did not request, nor authorize financing or inquiries from XXXX XXXX and would like that inquiry removed. I also dont fully understand why XXXX needs to do XXXX credit inquiries for 1 sale.
My credit report show different addesses and names on it that did not belong to me. If was sent to me through Royal Untied Mortgage, LLC. For a XXXX XXXX XXXX Mortgage loan. Was suppose to close on loan around begining of XXXX. What do I do Next?
Experian is reporting inaccurate information on my credit report. There is a Judgment XXXX that is negatively impacting my credit. This Judgment was reported in error. The property was foreclosed and sold. Under Oregon law, XXXX Bank is prohibited from filing a judgment against me. Please see attached letters from my attorney, XXXX XXXX XXXX.This Judgement needs to be deleted from my credit file!
I have tried to cimunicar with the accrediting agency and they do not answer me. I 've never had accounts with this bank. Do not let me have opportunities with other banks
XXXX XXXX XXXX XXXX XXXX Contacted extended family members of mine asking for me by my maiden name, which I 've been married for a long time. They claimed I had a debt and disclosed a dollar amount to the family members, but never stated what the debt was supposedly for, nor have they every contacted me. When I have tried to call it has either been a fast rapid busy signal or the person on the other end wants me to provide my SS # and personal information before they 'll speak with me about this supposed debt under my maiden name. I believe strongly it 's a scam, but regardless they keep calling other people, repeatedly badgering them, and stating each time different amounts that are supposedly owed.
We traded our Toyota Sienna in at the beginning of XXXX 2015. Our typical payment would have been due on XXXX XXXX but the dealership told us not to pay it as it was included in the payoff amount that would be sent to Toyota Financial Services. TFS received the payoff on XXXX XXXX, 2015. In XXXX we were told that Toyota had reported to the credit bureaus that our XXXX 2015 payment was past 30 days late. Since we were given this information I have contacted Toyota Financial Services XXXX times via phone, once via email and another via written letter. I have heard nothing. We need to get this removed from our credit report. This payment was not over 30 days late. We are in the process of purchasing a new home and this blemish on our credit report is significantly affecting us. I do n't know what else to do and I 'm at my wits end with Toyota.
XX/XX/XXXX I I had to fill a application for special assessment as legal residence. XX/XX/XXXX I did that and XXXX. County mailed me a check for Back Taxes paid I called Rishmore I gave them permission to draft out the check from XXXX County to pay back escrow account my check amount was XXXX confirmation # for payment is XXXX. I talked to. A person named XXXX would not give me last name told me to send this year tax assessment and they will fix the monthly payments.the tax payments were XXXX last year. and now XXXX are XXXX On XX/XX/XXXX they applied it to house payment. I called them again. And they said they had not filed it right and once more tried to put it in as a house payment. They have not fixed this problem and I keep asking for a supervisor and I get no supervisor. I have no clue what my monthly payment should be. the actual payment was XXXX and they can not give me a reason to try to. Charge me XXXX. The taxes are less they have said it's a mistake on their part. And they would expedite this Asap. I CALLED again they told me they put it in a house payment I dont have to pay till XXXX. I told them Again stop putting my escrow in the principle payment. Again I was told they would expedite it immediately .they gave me false address to mail tax bill. And gave me a name XXXX phone XXXX. If you call. XXXX 's not there. Please help me. No one in that company will update the monthly payment correctly and want to force me to pay a higher monthly payment. I can not afford a higher payment. And I even had A mortgage broker to talk on a 3 way call to explain the issues and they never corrected it and continue convey to me it's their fault.but no resolution.
For the past sixty days I have disputed accounts with Equifax that they claim are verified as belonging to me. In XX/XX/XXXX I disputed both XXXX and XXXX XXXX by mail with Equifax and both came back verified. I then did a follow up dispute requesting the method ( s ) of verification on XX/XX/2016 for XXXX and XX/XX/2016 for XXXX and my requests were not honored. The letter states the accounts were verified but no other information is in the report, which is a violation of my rights as a consumer. It is my right to get a detailed report on who they contacted, phone numbers, dates, etc. Instead they only tell me the accounts were verified but not any detailed information which is my right as a consumer. They are destroying my credit!!!!
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : " most provided a signed contract between me and the creditor to validate this account '' an itemized statement does not validate any account, so dont provided, third party is hear say, my be a signed contract, NOTICE GIVEN PRIOR TO FILING SUIT IN XXXX  XXXX, OK
I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as Home Depot regarding an opened account with Home Depot 11 years ago. I proceeded to call the number stated on a letter from its representative (  XXXX  ) received on  XX/XX/XXXX  regarding my CFPB complaint #  XXXX .
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I now find that the same creditor may be reporting the same account although with a different account number under another name (  XXXX  ) and this can be seen on my  XXXX  credit report. It reports the same balance owed but under a different loan type ( Auto ) and again reporting on my   XXXX   XXXX   credit under personal loan also a different loan type.
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I called the phone number that is reported to be  XXXX   XXXX  and the number is not a working number but they do have the same address as   XXXX    which is :   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  who does have a working number   XXXX  . I am asking for an explanation as to the purpose of reporting against the same balance owed (   XXXX   ) times using (  XXXX  ) different companies names but you are one of the same company. On top of that the original account with the Home Depot was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XX/XX/XXXX .
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Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.
I was told this was just a mistake, but it is an egregious mistake that I was not likely to discover. If I 'm not alone, this could be a huge scheme. I bought a home and the agreement included an " XXXX XXXX {$380.00} '' warranty, printed clearly on page 6 of the sales agreement, which I was told was a standard 1-yr coverage for home appliances and the like. But XXXX XXXX and/or Chicago Title purchased the lesser XXXX XXXX for {$200.00}, which does not cover appliances. I only discovered this because my kid jumped on our dishwasher door and destroyed it, but would n't have known otherwise because the neighborhood is new and so are all my appliances. Upon reading the fine print, I realized abuse was not covered under the warranty I was supposed to get, so I said " Great! Just give me the {$170.00} you saved by skimping on my insurance! '' Since I only had a month left, it was a no-brainer, their mistake would help pay for my new dishwasher because that recently-discovered money had to go somewhere. But they refused, saying that they could " correct the mistake '' with the insurance company ( XXXX ) 11 months later, and give me one last month of XXXX XXXX that covered appliances, which is not worth the {$170.00} they almost pocketed so late in the warranty term. In your opinion, am I now buying 1 month of appliance warranty for the same price as as the 1-yr warranty? Should n't I be entitled to that money, having caught their mistake, given that I would no never agree to such an absurd warranty price for 1 month of coverage? Keep in mind, had I not caught the mistake, XXXX XXXX and/or Chicago Title would have never told me about the {$170.00} that was intended for me. Is this making sense?
I have received over a dozen calls from " Chase Receivables '' for a {$370.00} hospital bill. I have full coverage health insurance with a {$150.00} hospital copay, which has been paid in full. I explained this several times, even going so far as to email them a scanned copy of the paid invoice to show that the patient ID number they have on file is not the correct number. I have been told at the close of every exchange that they will note this on their records and stop contacting me, yet the calls continue, always on my mobile phone despite my requests that they cease contacting me on a private mobile number
Synchrony a collector for GE Capital is harassing me via Home Phone and Cell phone for a debt i do not owe.
On XXXX XXXX, XXXX my checking account was charged a {$12.00} monthly maintenance fee, something I have never been charged for years. I immediately tried calling Bank of America by phone but the wait time was over 30 minutes on three attempts so I went directly to the nearest Bank of America in XXXX, MD. I met with the manager and the banking assistant and I had requested that the {$12.00} maintenance fees charged against my account be returned immediately as I believe was fraudulently charged against my account and once it is returned to close my account. The bank closed my account without returning the {$12.00} maintenance fees and the manager stated he can not return the maintenance fees charged because I received a {$70.00} overdraft credit back in XXXX XXXX which I believe that credit should not have had any affects on my account in the future and this does not justify their reasons to start charging my account a XXXX XXXX monthly maintenance fees. In addition, I made it clear to not close my account without returning the {$12.00} first but she did it any way. I should have received a total of {$12.00} refunded back to me but did not receive anything in return when the bank closed my account. Charging these high maintenance fees I truly believe is a violation of the banking laws to not notify the customers upfront that these fees will take place prior to applying them and withdrawing fees from my account.
A medical bill of mine was turned over to collections. I filed for medical assistance and everything on my account was credited including the account sent to Global Receivables. I have contacted them several times and sent the credit notice to them, along with a copy to XXXX and XXXX and I can not get it removed from my credit report even though I have sent them all copies from the hospital that I do not owe it.