WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I traded two cars into a dealership that had loans with USAA. The dealership arranged credit for the two new vehicle purchases and obtained a 14 day payoff from USAA. I called USAA that night to cancel my automatic payments on those loans. I was given an effective date on the XXXX and the XX/XX/XXXX for each automatic payment cancellation request and told that I would not be charged. On the XX/XX/XXXX one loan payment in the amount of {$170.00} acct # ( XXXX ) and the following day on the XX/XX/XXXX the second loan payment processed in the amount of {$170.00} acct # ( XXXX ) I contacted USAA on the XXXX to notify them of this issue and was assured that the second payment would not process. I was also assured that they would refund my money as quickly as the following week. 

On the XX/XX/XXXX I called back and was informed that it was a mistake and that I should have called in earlier on the XXXX to cancel the automatic payments ( ACH ) transactions as I was already past the cutoff time for a cancelled payment on the XXXX. They could not explain why the two previous employees informed me that the payments would not process and they did not offer any support in acquiring a refund. 

Over the next week I called several times, provided a detalied verbal statement to three additional customer service represenatives and two managers and was told that the mistake way my fault. 

It took an entire month for the refund to be issued. During that period my existing auto loan was paid in full by the new lenders for the new vehicles I had financed with other lenders and a loan overpayement deposit was made to my account. 

Throughout this error the employees at USAA consistantly gave me wrong or contradictaroy information and finally admitted that a system error caused the initial problem and a processing error delayed the payment of my erroneous loan payment refunds. 

I filed a formal complaint and I recived and apology from USAA. They did not pay any intrest or offer any real support due to this hardship and I was forced to work extra shifts to make up the difference in funds that I did not get for an entire month.
After graduating from school I was faced with student loan repayment. I was never able to afford the payments and made that clear each time I was contacted by ( then XXXX ) Navient. Eventually I was offered a " low interest '' option, but had to agree to make payments each month for 15 months. I did this for 2 years straight, without missing a single payment. At the time of my financial review to reassess my payment amounts, the representative I was working with did n't delete my previous payments before setting up my new payments. This caused me to pay double each month for a few months. I called and spent hours ( which included hours I should have been working ) on the phone with representatives trying to reach a resolution. Eventually I was refunded the overpayment, but never refunded for bank fees. Fast forward to the end of 2014, I lost my job and called Navient to notify them. I was told ( and I always quote ), " There 's nothing we can do. You still have to pay ''. I was harassed by phone on a daily basis, from XXXX to XXXX Monday through Saturday. They called my mom, my brother, my old job that I specifically told them I no longer had. They argued with the person who answered their call, stating that she was lying about me no longer working there. They also revealed that they were debt collectors when leaving a message with my old coworker. Presently, I do n't know who owns my loan, as they 've sold it at least twice. It is an overwhelming feeling of despair and frustration, hopelessness and guilt. Every student I 've ever spoken to who has a loan through SallieMae/Navient has encountered similar negative experiences, some far worse than mine.
EQUIFAX IS FALSELY REPORTING PUBLIC RECORD FOR XXXX XXXX XXXX BANKRUPTCY XXXX.SEE ATTACH.
called my number about someone else 's debt and said that my number had been given as a contact. The party in question has no contact with me I feel they took it upon themselves to start calling distant relatives for collection
Hello, I had to go to the emergency room for my XXXX  XXXX very suddenly. I felt that something was wrong, and when I got to the emergency room they ran some tests and sent them to my doctor. They also gave me an XXXX. 

My husband was in the XXXX at the time, and we had XXXX. I gave the hospital all the information they needed for our insurance. XXXX covers two visits to the emergency room if they are out of the network, which that was our first time. 

We thought everything was covered, until we got a call from the debt collector. almost 6 months later. We said XXXX paid it. They said no. We called XXXX. They said they did cover it. I can not afford to pay XXXX dollars to get this off my credit report, and I need to very badly because it is effecting me.
I opened a secured credit card with Discover last year with limit of {$200.00} dollars. Last month ( XX/XX/XXXX ) the credit card mail me back the deposit of {$200.00} and make my credit card unsecured. The problem is how I can use a credit card with {$200.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score. I 've being using XXXX card after I had my Discover and they gave my high limit and already increase without I 'm asking. I called the XXXX XXXX asking limit increase because even one student does n't have a lower credit limit like I am. The attendant was very nice but said my request was denied. 
I would like to have a fair credit limit and better relationship with Discover. I would like to point out I 'm very glad the checking on my score was soft instead hard pull.
The creditor in question, XXXX, XXXX XXXX XXXX, XXXX ( hired by Midland Funding LLC of XXXX XXXX, OK. ) continued to attempt collection from me on a credit card account I had no knowledge of AFTER I advised them I had secured an attorney. I have several of their FDCPA violations documented, including in a document I filed through the XXXX District Court. Each time they violated the FDCPA and/or FCRA, I made them aware of violation ( s ) and advised them to contact my attorney. However, they continued to contact me ( by mail ) directly rather than contact my attorney. I provided XXXX, XXXX XXXX XXXX, XXXX with my attorney 's name and telephone number but they still continued to violate FDCPA rules with total disregard for my rights as a consumer.
I recently reached out to Transunion about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX, XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Transunion yet again and was told to file a complaint here. 
This is the list of inquiries that Transunion refuses to remove that I did n't authorize. 
XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.
there is XXXX reports that are not mine i was a victim of identity theft. experian did a dispute on the items. and there still on my report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
I am filing this complaint because Equifax did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX EQUI XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ACCT ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX
" " '' I have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I would like to add to my complaint ( case number XXXX } about State Farm Bank. In all the confusion about switching from electronic deposits of interest from cd accounts to paper checks they have not sent 2 of my deposits that were due XX/XX/2016 and XX/XX/2016 in any form, paper or electronic.After many calls to them and getting excuses like someone keyed in the wrong dates and now the checks are in the mail NOTHING has gotten here.If the shoe was on the other foot, I would be getting a late fee which I can not give them.I want the 2 deposits NOW.They have said that they will go back to electronic deposits in XXXX That will be a big help.They should have never breached our contracts in the first place
>On XX/XX/XXXX, I received a mortgage from Beneficial HFC for a term of 15 years. 
On XX/XX/XXXX my husband and I received another mortgage from same company term of 5 years. The XX/XX/XXXX mortgage has been paid off. A few years after my husband passed away I started having problems making my payments at which time several problems arose. I did get help after a lot of confusion between me and them by them deferring my mortgage interest and restarting my payments. I had problems after that with different things they would charge me for and not being able to explain what the charges were for but I had to pay. Time after time they would charge me for homeowners insurance when I already had insurance. It was a nightmare. My payment amounts were changing, interest rates changed, principal balance was much higher than it should have been. Finally in hopes to stop confusion I agreed to a loan modification. The loan modification was dated XX/XX/XXXX. My hopes were shattered. I still had trouble with them applying my payments correctly and had my escrow balance wrong. Escrows for taxes and insurance started with modification. Six months after the loan modification my mortgage started being serviced by XXXX XXXX XXXX. In XX/XX/XXXX the mortgage servicer changed again to XXXX XXXX XXXX. Starting with the first Payment to XXXX they sent a statement showing I was a month past due. I was not past due and have tried several times to show them where the problem occurred but they ignore it. They have shown me past due several different months. I have proof of all payment since modification. Every month since the loan modification I have gotten in addition to my statement letters with subjects of Servicemembers Civil Relief Act, Home ownership counseling, and Loss litigation hardship assistance, and Notice of intent to foreclose. I wasn't behind on my payments. 

When I gathered information from the statements etc I had from mortgage companies, I found several XXXX with loan numbers I wasn't familiar with and could find nothing on I requested that they identify the loan numbers that were on them. They ignored request. I had thought maybe some payments were posted wrong. I have had different loan numbers I didn't understand associated with the XX/XX/XXXX mortgage. 

I mailed by certified mail a letter explaining my concerns and wants plus 15 different documents to all three mortgage companies showing problems and proof of my payments. Much to my disappointment nothing changed. 

I need help. I am a widow on social security and I need peace of mind I can finish help paying off my mortgage without having to pay much more than I should have to pay. I need a solution to this problem. I have lived every month with excessive XXXX and XXXX because a mortgage company refuses to correctly reconcile this problem. 
My effort to reconcile problem wasn't accomplished. No
Tried for 2 days to unfreeze my credit with Experian. Keep getting an error online and will not process request. When I call the XXXX phone number they give for customer service, you can not reach a person. You have to pay them to freeze and unfreeze credit report, which makes it worse, since you get no customer service from them.
XXXX XXXX bank this not mine # XXXX so please remove from all XXXX reports thank you.
A dispute was submitted to Equifax on XX/XX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( 3 ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information may cause the consumer. See : XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XX/XX/XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( 15 U.S.C. 1692g ). Account number XXXX from XXXX is reporting inaccurate.
I had an account with XXXX in XX/XX/XXXX this was previously disputed for XXXX $ $ because at & t sold their towers in the area of my employer so my father and I whom both work here could not receive any phone calls while in our job, XXXX agreed and deleted it from our credit report. Now they 're saying I owe a combined about of XXXX sounds like XXXX is trying to combine the XXXX XXXX my father and I owed for termination onto my report only.
I have a Capital One Buy power card, where if you pay on time they still charge you a late fee because they take 3 days to process your payment. So the only way to avoid late fees is to pay a week early or enroll in there autopay option. After escalating this as far as possible I received a call from XXXX from a women named XXXX. Saying " the late fee was removed but it will happen every month and I will have to fight it unless I pay early or use autopay. This is the policy and nothing will change it. '' I do not believe it is far to charge late fees for paying on time. I saw it and fought back how many people do n't see this happening to them and are paying this ree every month. This is a crime and should not be allowed
I'd called my credit card company ( XXXX/Continental Finance ) to inform them that my credit card was compromised by being either lost or stolen. Their rep gave me a hard time over the phone but then eventually stated that I would have to submit a utility bill w/my new address for identity purposes since I'd also recently moved. Once I got the electric bill, I sent the company a copy of the new XXXX XXXX electric bill w/the new address, a new check w/my new address for the month 's payment ( XX/XX/XXXX ), and the company still didn't mail me my new card. The company 's claiming that they'd closed my old credit card account once they were informed about it being either lost or stolen last year in XXXX and that they were mailing me my new card two months ago XX/XX/XXXX and no card has arrived in the mail for two months, and they just changed the credit card account recently in XXXX because the last four numbers on the bill have just changed this year, not last year in XXXX as they're claiming.
Prior to going into the dealership-XXXX XXXX in XXXX XXXX- I completed an application with XXXX XXXX XXXX XXXX and was pre-approved at 3.73 %. I informed XXXX XXXX of this prio to agreeing to them running my credit. I approved them running credit to see if I qualify for financing through XXXX at 0.00 percent. They told me that I didnt qualify for XXXX finaning. They then told me that PNC was the lowest offer for financing at 4.88 %. I mentioned again of XXXX XXXX to them at 3.7 % they proceeded to tell me that XXXX offered 5 %. and that PNC was lowest they could get me. After getting home I called XXXX XXXX to confirm. Well, XXXX confirmed the 3.73 % rate and that this rate was given to XXXX XXXX. So, I requested the dealership cancel the contract with PNC. They told me they are looking into it and will get back to me. It has been two weeks and no response. I have called PNC directly to discuss this issue. When I go online to research PNC rates, they also have rates lower than the 4.88 %. I am confused frustrated and very upset that I have been unable to resolve this issue on my own. I have made countless calls, visited the dealership again in person to discuss. I had gotten nowhere. At this point I want to return the vehicle because I do not want to continue a relationship with the dealership. I would like my contract cancelled effective immediately. I text the manager XXXX at the dealership this request in writing.
On or about the yearXX/XX/XXXX my mortgage company was XXXX XXXX XXXX. I was put on a program of weekly mortgage payments, applied weekly, to save on interest. I was told by the XXXX representative that by implementing this program with applied weekly payments, my 30 year mortgage would become a 17 year mortgage. 
In XX/XX/XXXX my mortgage was sold to Ocwen Loan Serviving LLC. Upon looking at my online statement, I noticed that my weekly payments were being held in suspense and not applied to save interest as originally intended through XXXX. 
I spoke to a customer service representative today. I was told that Ocwen doesn't have this type of program. I responded that I didn't ask for Ocwen to take over my loan and was never told that weekly applied payments was no longer available to me.I asked what my recourse was and was told there really isn't anything they can do. 
I feel that that both XXXX and Ocwen are at fault here. XXXX shouldn't be selling a loan to a company that can't replicate applying funds on a weekly basis. Ocwen shouldn't be buying a loan for the same reason.
i received a letter from XXXX XXXX XXXX to apply and refinance my mortgage i call and contact XXXX XXXX XXXX and he run my credit and ask for my ssn and told me that he was going to lower my rate fron % 5 to % 4.3 and i email him all my house information he also told me that i didn't have to worry about XX/XX/XXXX and XX/XX/XXXXpayments that they are taking over the loans and i told him that that sounds really goods so i can buys gifts for my relatives i was also contact by XXXX XXXX XXXX assistant and told me to call my morgate company and find out if they where to going to pay for the propery taxes so i called and they told that they are not and after that like XX/XX/XXXX and afther that day i called them both. email them both i also. i also called to speak to a supervisor and no one from this company have return my emails or called now my credit score dropped 100 pints due to this people unprofessionalism
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account with XXXX XXXX XXXX XXXX. The written letter offered the option to call XXXX XXXX XXXX , XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department ''. ( please see attached Credit Report excerpt ).
i rented a car with my credit card which has rental car insurance in XXXX 2015, in a supermarket parking lot some unknown person scraped the rear fender. the charges for repair came to {$300.00}. i filed a claim with the credit card co. I have filed all the infomation they have asked for XXXX, I have mailed the info and also faxed it to their claims dept. each time I have received a form letter asking for the same infomation that I have already sent them.I have spent many hours on the phone with them and each time getting told that a claims examiner will review my claim and get in touch with me, no one has ever called!!
I am a victim of identity theft. Someone stole my personal information and used my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent inquiries.
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
my loan required a PMI. By law, the PMI is to automatically terminate on the date the principal balance is first scheduled to reach XXXX % ( ltv ) of the original loan of the property. As of XX/XX/XXXX, my ltv is XXXX %. However, according to my mortgage company, the pmi will not be terminated until XX/XX/XXXX because that was the scheduled date the ltv was to reach XXXX % by the original amortization. The reason the ltv is now XXXX % is because we made XXXX extra payments on our mortgage and we feel that we are now being penalized for extra payments. Our loan was orignally with another company but was sold to the current company in XX/XX/XXXX.
After paying the bill in full via their website and validating that it cleared my account the following day I received a phone call from them two weeks later on my cell phone stating they had no record of this activity. After giving them my acct and auth numbers, I pressed the agent and found out that it can take 30 day 's to process. The agent wanted me to send a copy of it clearing my bank account. Essentially they were making their problem my problem. The agent then asked me why I was berating them the day after XXXX. When I asked to speak with their supervisor, the agent said they were a supervisor. Very unprofessional and this upset me greatly.
after checking my credit reports i noticed that torres was reporting incorrectly on multiple reports. I have not done business with this company, have no signed contract with them nor do i owe them any money.
they are saying I applied twice for a credit card and I did n't. then they refused to give me the card even tho I have good credit.