WillisBack/dataset-financial-user-claim huggingface dataset:
From. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Cell : XXXX : The Consumer Financial Protection XXXX XXXX DCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service connected post XXXX and XXXX XXXX veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX a XXXX Mersades Benz e320 XXXX door coupe XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada for {$6000.00} and the vehicle was financed through United Finance located at XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Their telephone number is : XXXX. The car broke down because the fan belt came off and the hose ruptured while I was on the freeway and at the time I was not a XXXX service connected veteran, so I had to miss a payment or XXXX to get this car fixed which I had to pay {$720.00} out of my own pocket. When I tried to explain this to the United Finance Company they acted like they did n't care and started charging me as I discovered today {$4.00} per day in intrest or 35 % intrest and when I started writing them post dated checks via XXXX XXXX bank for {$310.00} per month and I found out today XXXX from United Finance when I called them that I have only been paying on the daily intrest and very little has been going toward the principal of my loan. No wonder I still owe {$5100.00} after I have had this car over 11 months and the car broke down again on me XXXX more times and I had to spend another {$790.00} plus another {$2700.00} to keep it running. I am just being screwed all the way around. I am a XXXX veteran on a fixed income and it is wrong by them especially all I was trying to do was re establish my credit so I could get me a new 2015 Chevy Impala from a respectable XXXX Dealer at a veterans discount. I cant even get out of this car or contract with the interst of a loan shark. I need your help in this. Thank you for your time. 
XXXX XXXX
Navient reporting 120 day late payment when I have been on required auto debit from my bank account. I have filed a credit dispute with them since I have proof that Navient misapplied my payments and I was told that they would remove the late reporting and they never did. Navient has denied my claim to remove this late reporting.
i refinanced my mortgage to lower my payments with a predatory lender by the name of XXXX. after about a year i received a letter from boa saying they had purchased my loan and i was due some payments. i started to contact them sending copies and dates. they threatened to foreclose so i talked to a attorney and was talked into filing XXXX to keep my house. boa never did straighten out the payments and to this day say i owe these payments. i paid my XXXX plan out and it seems i have paid them twice. boa sold the loan in the mid of bankruptcy and you are contacting them.
Through my escrow accounts, Mr Cooper has taken very high sums ( XXXX USD per year ) for an insurance policy, that was totally overpriced and that I did n't need. In addition, they have ignored my numerous asks to create some transparency on this account and their logic for charging me. 

- they have taken about XXXX USD per year on my escrow for about XXXX year, and there is nothing I can do - they have ignored the fact that I had coverage independently. I sent them the policy number and submit it on their website, but they never answered to those emails, just send me generic service emails and continue stealing my money - separately, I asked them more than XXXX weeks ago for a reconciliation of my escrow account since inception, and they said they would send it but never did. They are ignoring my asks to have visibility on what happened They are basically crooks. And because I do not want to damage my credit score, there is nothing I can do. I need your help.
We rented a car. A third party service that has an automatic toll payer ( like XXXX ) billed us for using their service, which we did not use. AmEx and XXXX acted as if the charge was legitimate. It took three times corresponding with them before they dropped the charge. They acted like the burden was on us to prove we did not incur the charge and they sent " evidence '' that proved nothing. It was harrassing, and most consumers would simple have capitulated. I happen to be a lawyer, so I pushed the issue. We feel that these companies ( XXXX XXXX XXXX, XXXX, and AmEx ) are using their corporate leverage to rip people off, and we 'd like to know how often this happens with these companies in particular.
XXXX, Transunion and XXXX after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on XXXX is XX/XX/XXXX.on XXXX and Transunion IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX Fire Dept who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm  entitled to accurate reporting by law.
This is my third attempt to get information related to my payment from XXXX XXXX. 

For more than the last year my normal monthly payment has been {$370.00}. However my situation has changed due to divorce. XXXX is also a new servicer for my loans as the loans were transferred to them after I applied for the Public Service Loan Forgiveness program. My first attempt to re-certify an income driven repayment plan with XXXX was denied and I was informed that my payment would go to {$610.00}. Because my financial situation had changed I believed this had to be wrong. I resubmitted a second IDR request and after filing a complaint with CFPB, the second time it was approved, with communication that my payment would now be {$53.00}. 

There are two things that I would like to get explained ; First of all there are discrepancies with XXXX in what the companies web page says I have paid. The payment page indicates that the last payment I made was for {$140.00}. This is not correct. My bank statement and a downloaded payment history from XXXX indicate that I have paid the normal amount in full every month, including XX/XX/2018. {$370.00} was debited from my account in XX/XX/2018, so I need an explanation for why they say I only paid {$140.00} or if is an error I would like it corrected. 

Second, after being approved for and IDR and getting a letter that my payment was now {$53.00}, my payment for XXXX inexplicably changed to {$420.00}. I would like this explained. My ability to pay that amount as a single parent has become more challenging. I do not understand why this months payment would increase from {$370.00} to {$420.00}. If it was reduced from {$610.00} why only to this new amount of {$420.00}? Why did the amount not go down to the approved IDR payment of {$53.00}, or if it was to remain the " normal '' amount for the month of XXXX why is it not the {$370.00} I have been paying monthly for more than a year? If the {$420.00} is the correct payment amount then all I want is an explanation for why that is the case, but instead the company appears to be avoiding communication with me, forcing me to pay a higher than normal amount or be delinquent, which for me is not an option. I want to pay back my loans, but I also want to be treated fairly and to make payments that are reasonable based on my income. 

As I have said this is my third attempt to get these questions answered. Because of the nature of my job it is hard for me to call during business hours, so I have been trying to use the email feature provided by XXXX and have not so far seen any response. I did promptly get a letter within a week in the mail on approval of my IDR request indicating the new payment of {$53.00}, and it said that another mailing would arrive with more details. Several weeks have passed and I have not so far received another mailing. I do not understand why it is taking so long and all I want is a reasonable explanation of the payment and the discrepancies. I feel like the delayed explanation, poor communication, and other problems are deliberate and I no longer trust my service provider to treat me fairly.
Was going to move to XXXX my phone will not work on there network. I received a letter from XXXX XXXX XXXX XXXX. They state my credit card score is XXXX and my score is XXXX. 

The only way this company is going to be stopped is for people to file a formal complaint with the Consumer Financial Protection Bureau. XXXX should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with XXXX XXXX and other agencies. Please, if you see this and have had any dealings with them, file a formal complaint..
I had XXXX credit card accounts with Chase bank back in XXXX. XXXX went into default and I eventually settled XXXX of them with Chase in XXXX 2010 using my Chase Checking account to make the payments ... years later Chase either sold or " placed '' a settled account with XXXX XXXX and now XXXX XXXX has been on my credit report and has been trying to collect on me for years. I have written to Chase and to XXXX multiple times over the years and have filed formal disputes with XXXX and XXXX. XXXX finally deleted this false report but XXXX did n't, and I have no idea what XXXX shows. Regardless, I have made multiple efforts over the years to get XXXX and Chase to validate this alleged debt and they have failed to do so each time. I feel as if I have no other possible recourse to resolve this matter because my written disputes are essentially ignored by XXXX and they make absolutely zero effort or attempt to validate their debt and supposed claim to be able to have this on my credit. XXXX also provided no specific response other than to say they are updating my report to reflect that I have disputed this, but they did n't address the substance of my claim or Midlands complete refusal to validate the debt they are claiming is owed. 

Please help me find someone, somewhere, who can help make XXXX accountable for their own obligation of validating an alleged debt, because they flat out refuse to do it on their own.
in  XXXX  I applied for Stafford loans to attend graduate school in the amount of {$500.00} and {$2800.00}. After   XXXX   obtained the money, they said I required a dummy math course. Nelnet serviced the loans. I became suspicious or over stressed by the course as nothing went through properly. Long story short, I requested that the money be sent back to the federal government, I became  XXXX  due to   XXXX   XXXX   then I lived out of my car in  XXXX . I only worked at a   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( LHI ) and that was less than 20 hours a month ; if and when I could get selected. These loans have been bounced around with nelnet, then yet another loan servicing entity. I can not seem to get any response. I do not know how much I owe and more importantly where is the money? my social security check are being garnished again. This makes the 4th time and I have reached out to   XXXX   XXXX   office, and other educational entities. I am worried that I will not be able to make my rental payments and do not want to once again be forced to live from my car. I seem to not be able to get anyone to give me an accurate accounting Currently my Stafford student loans are being misplaced and my social security checks are being garnished {$240.00}. per month for a loan of less that {$4000.00}. From what I learned, the interest has been accruing and I have been charged twice for loan servicing. Plus the money is still in an account at  XXXX . I live on less than {$2000.00} per month and my rent is {$860.00} and am obviously worried. If someone has the authority to do this to me, with a   XXXX   XXXX   in   XXXX   XXXX  ,  XXXX  years old and a naturally born citizen, I think even if I could borrow money from someone ( which I ca n't ), that is n't the issue that needs to be investigated.
My account with XXXX XXXX was closed, Winn Law office bought a close case, and started a court case by a wage Garnishment against me, I did not get a court order just payer to pay on a closed case. they are taking 25 % of my earning I have a child in college her 3rd year, now I cant help pay her school Tuition please advise. Thanks
On XXXX after checking my credit report I seen a collection from the collection company XXXX XXXX XXXX. Apparently this a debt from XXXX XXXX originally for {$820.00}. On XXXX I finally got in touch with a XXXX XXXX  representative that informed me that the debt no longer belongs to them and that I would have to dispute the fraudulent debt with the collection company. After several attempts within the months of XXXX till now to get XXXX XXXX to validate this debt they 've FAILED. I received a letter XXXX from XXXX XXXX sending me a bill as validation with an address I have n't live in since i was XXXX XXXX XXXX so I know this is a false account. I sent these letters certified mail as informed by my attorney and have the receipts. I sent another letter certified mail which they replied " debt validated already ''. This company is trying to collect debt that does not belong to me. I was informed by an XXXX rep to come here before file a suit against these people.
I was gifted with a prepaid debit mastercard from XXXX around 1 year ago. I did not use the complete funds before the expiration date, and when I requested a new card be submitted I was told the card was expired ( XX/XX/XXXX ) and the remaining {$77.00} was forfeited. I told them exactly what the Consumer Financial Bureau says on it 's website : " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. 

The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. '' The agent I was speaking to, XXXX ( Agent ID XXXX ) responded that this was not a gift card, but an " incentive card '' and therefor did not fall under the gift card law. But that is exactly what an incentive card is -- a GIFT! 

When I asked where my {$77.00} went, either back to XXXX, or if Citibank Mastercard absorbed the money they would not tell me but instead said that was a private matter between XXXX and XXXX. 

I believe this is a fraudulent withholding of my money, and that they are going against the spirit of the law. 

Thank you for looking over my complaint!
On  XXXX   XXXX  I was informed  that lj Ross and  associates had a collection in my name for {$11000.00} and when I call to inform them the the information that they had was wrong they told me it was not there job to fix the information and to dispute it but if I dispute the information then I would lose the loan for a house that I am trying to get.
XXXX XXXX Mortgage bought our mortgage from it 's own subsidiary, BSI Financial Services, which was the original lender, in late XXXX or early XXXX. Since the " change '' of the mortgage ownership, we keep getting letters from XXXX XXXX Mortgage trying to a ) create an escrow account for our property insurance -- in early XXXX, and b ) telling us that they need information about our insurance to be updated. 
In the first instance, we contacted them and were told that it was clarified that we did not put the insurance in escrow since we pay it separately. They never sent us a confirmation-this was in XXXX. The number that I called was a collection number even though we have never been in default. 
In the next instance, I contacted their website at www.imcovered.com/commercehomemortgage, where they were trying to sell me an insurance policy. 
I am very concerned that XXXX is trying to force me to pay my insurance fees through them, or force me to buy insurance from them, with thinly veiled threats that I will be defaulting on my mortgage if I do n't comply. 
I have already spent over 10 hours trying to reach these people to ensure that my account is not jeopardized and my credit is not harmed. Everytime I call them I get a different person who then gives me a different phone number to call. 
I also find this link at XXXX where the list of allegations against BSI sound similar to my experiences with them.
I am a victim of identity theft, my sister, took my cards to XXXX accounts with pnc bank, she knew my pin because she knows I use the same pin for everything se withdrew cash, we look a lot alike and the bank would not credit that back to me, when they looked at film, she changed her XXXX to look like mine. There was XXXX in debits that were made by her that I have disputed and they are not returning everything, and the are putting my accounts in the negative, this is not my fault, I should n't have to pay for what was done to me.I should receive my credits, because I had n't used my card since XXXX because i had them closed.
I was covered by XXXX at the time of service. When notified that I was being billed, I filled out the back of the bill and sent it back with my XXXX info. There are XXXX delinquent accounts by the same collector, XXXX were covered by my XXXX benefits.
A bankruptcy chapter XXXX was filed and discharged sinceXX/XX/XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, asXX/XX/XXXX
Experian is reporting on debts I do not owe. XXXX XXXX and XXXX XXXX debts are not mine! Experian continues to report and verifies these items. I have requested proof of verification on multiple occasions, and they fail to send me any information. My identity was stolen years ago and made a police report. My police report # XXXX. I have never signed any documentation to these creditors.
My XXXX account reflects my perfect payment history on my credit report however in the comments and status section it states that the account is charged off. I have disputed this account several times with the same outcome as verified as acurate or updated. How can a account have perfect history but be be a charged off account.? Documentation has been uploaded to support my claim please review and coreect.
I have a COINBASE account in which I transferred XXXX from my bank account directly to their XXXX bank account ( details as provided by the coinbase app payment screen ). This was over 3 wks ago ( XXXX XX/XX/2018 ). 

The bank has confirmed that the money left my account and went across. 
The money should go into my coinbase account and should clear in 2-5 working days. However it still does not show and COINBASE are refusing to respond to my queries or look into the matter. I have sent 3 or 4 emails over the last few weeks to little response. They sent me a holding reply 2wks ago saying they will look into the matter ( a one liner ), but have not yet done anything about it. I am now down XXXX and a XXXX bank charge. 
Coinbase are supposed to provide crypto currency services but all they have done so far is stolen my money.
Citibank pulled my XXXX credit report on or around XX/XX/2018 without my authorization, placing a hard inquiry on my XXXX credit report 1. ) I am requesting why Citibank pulled my XXXX credit report on or around XX/XX/2018? 
2. ) Did Citibank also recently pull my XXXX or XXXX reports? 
3. ) Did Citibank pull my credit report concerning a new or current account? 
4. ) If a current account please provide that account number? 
5. ) if Citibank claims they pulled any of my credit reports in the month of XXXX under a Permissible purpose as defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ]. Please state the SPECIFIC reason?
letters were sent on XX/XX/2018 to the company that they were reporting an incorrect account, incorrect account number, a missing field of 81- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. I get computer generated responses
This  XXXX   XXXX   XXXX  placed an abstract of judgement on my property located at  XXXX   XXXX   XXXX   XXXX   XXXX  California  XXXX  fraudulently trying to steal money from me. I never dealt with this LLC or owe any money to them. My name is  XXXX   XXXX  not  XXXX   XXXX .
I have disputed this entry for more than 2 years now. Experian, XXXX refuse to remove this entry even after I sent them evidence that this account should be deleted. XXXX XXXX
Seterus Inc. Dispute beginning XX/XX/17. Believe that Seterus Inc., in  violation of the FCRA and the FDCPA when reporting this account to the credit reporting agencies.
XXXX  XXXX XXXX  is not reporting the payments I make each month to XXXX, XXXX, and XXXX. I reached out to then Via email and they said they send the information over to all 3 credit bureaus and theres nothing they can do about it. I have reached out to all 3 credit bureaus and each advised that XXXX  XXXX XXXX simply is not reporting my payments. The only payment they are showing is for XX/XX/XXXX nothing after XX/XX/XXXX.
I had a home mortgage TD Bank, paid it off but kept the home equity loan open. The bank said we had to redo it differently into another home equity loan and we jumped through a XXXX hoops and got approved. I had a balance of $ 21K that was refinanced at a reasonable rate. Then we noticed that they were assessing us an addition $ 25/month. We called and they took it off, but it was there the next month. We called they took it off and said it should not be there, but again it was there this month. They have told us this charge was because our loan was below $ 20K, which it is not. We were never told about this charge and TD Bank is becoming hard to deal with. We pay the interest as part of the payback of the loan, I do not think this is legitimate to give people these underhanded charges. Your thoughts, please. 
PS : In the last conversation with TD Bank today they said this charge is for the checking account, and over draft coverage, not the home equity loan. I was not ever told that we would be charged and the person who set up the equity loan has left that bank. Is this legitimate to do.
I need Portfolio Recovery Associates, LLC # XXXX to Cease and desist ALL Collections and contact with me concerning the debt in their office that was due to fraud I have already file a police report with XXXX Police Dept. See Attached. This is the second time that I have sent a compliant on this issue.
After sending a dispute to Transunion with proper identification ( see enclosed doc 1 ) information they sent a request ( see enclosed doc 2 ) for additional information that was already submitted. This violates the FCRA regulation that they have 30 days to investigate my concerns. This request is a commonly used delay tactic. According to the FCRA the following items should be immediately deleted : INQUIRIES XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized
Once again, Equifax is not allowing me to access my free annual credit report. 
In addition, I am unable to 'unfreeze ' my credit with them, getting a " We are currently unable to service your request. Please try again later. '' message.