WillisBack/dataset-financial-user-claim huggingface dataset:
Well i am a XXXX year old woman who is on her own and needed to get back and forth to work. I went to right way automotive credit because i had XXXX credit and could not get accepted anywhere else. At first everything was great, until i realized that i was scammed and got a car only work XXXX and was charged XXXX. I have nothing but issues since i drove off the lot. within the first two weeks i had to get my fuel filter replaced because it was super rusted and it had a hole in it. i have gotten the car in XX/XX/XXXX it is now XX/XX/XXXX, i have had the car for a total of 4 months and a rod in my engine blew. now i am XXXX in the hole for a car my insurnace and XXXX quoted was only worth XXXX in Excellent condition. i have no idea what to do. i was taken advantage of totally. no one should finance an XX/XX/XXXX XXXX with XXXX miles on it for XXXX.
wakefield and associates are garnishing my wages and the debt is not mine. I explained several times, called them, and they still continued to collect after I explained that it was my ex-wifes debt we were divorced for over 5 years and they still pursued me. XX/XX/XXXX trying to collect XXXX dollars. I gave them my divorce decree and they still pursued and are garnishing my wages as of XX/XX/XXXX
Unknown company contact me and family members in regards to sending paperwork out for signature stating that I will be sued and charged with XXXX criminal charges for unpaid payday loan. Company does not disclose their information or how to respond to this matter.
I tried to correct $ XXXX added to my bill by XXXX XXXX directly with them on a special type of order they allow. They claim I didn't pay it off. However I have bills showing it was paid down to under {$50.00} prior to the due date of XX/XX/2018 I sent them all of the billing statements proving that. I even filed a complaint with you and the XXXX XXXX XXXX  on this same issue. It was neither resolved or corrected by either agency. Instead it was allowed to fester. I disputed it with all of the bureaus and sent the same exact evidence to them as well. They too ignored it and sent it back with the same incorrect balance not having been resolved at all. I don't believe they did anything other than send them some ticker tape notice saying I disputed the item. I sent them a lot of paperwork that cost me a lot of money to dispute this and explained the situation. They treated it like any other dispute and didn't resolve nor even try to handle it with the proof provided. They just disregarded it and sent me a useless report not saying anything! I refuse to pay XXXX the money I don't owe them and will end up suing them when I get the balance low enough to that point. I don't think a judge would agree with them if this is not resolved this time.
I got XXXX loans that I recall from a place called rapid cash, but on my credit report it shows XXXX of them. When I got the loans I had money problems since I 'm the only XXXX working in my household. So I have to pay rent, electric bill, gas, car, house insurance, phone, car, medical bills. So i got the loan so I could help myself a bit. I was making enough at my last job so I was n't able to keep paying. But I only recall getting XXXX loans not XXXX so I do n't understand why it shows up XXXX times.
This debt collectionnagency never sent me any correspondence regarding this debt or have ever tried to.commicate with me regarding this debt. Per the fair debt collection practices.act, a collection agency is supposed to.contact the consumer as well as validate the.alledge debt. This collection agency has done neither and this debt has been reported to.the credit bureaus and this has negatively impacted my score. I never got a chance to.even try to make a payment on this account because i had no knowledge of it.
On XXXX XXXX-XXXX, XXXX, I informed Citibank that I wanted them to refund a credit balance on my account of a significant amount. This was a result of a balance transfer that was completed without pre-confirmation to me after I had already paid off the balance on that card. Initially I was told that it would take 2-7 business days to complete the refund. However, on XXXX XXXX I received a email message from Citibank indicating that it would take up to XXXX XXXX, XXXX for me to receive my refund. In addition, to the unacceptable length of time I have and continued to receive contradictory information from Citibank, including different times I can accept the refund and in what form. There is no reason for this hold or continued conversion of my funds.
I took out a payday loan a couple years ago. I fell behind or changed banks and missed a payment. Last year, I was contacted by letter or call to pay off {$210.00} to close the case. I paid that debt and even received a letter from North Cash in  XXXX   XXXX  to say they received my payment and case is closed. Now a year later, i have been getting emails starting on  XXXX / XXXX / XXXX  to settle the account. I have emailed to say account is swttled since last year and even gave date and check number ... Last thursday  XXXX   XXXX , I spoke with someone after getting voicemail about debt.. The guy said he was referring the case to supervisor and wanted me to fax over the letter. I said no as it should be in the file since it was their letterhead. I told him that they were harassing me for debt which was paid and if they contacted me again, I will file a formal complaint as I no longer owe the debt for a bout one year.
Good Morning, I am writing you today as an aggrieved man. I filed an unauthorized charge claim with PNC Bank two weeks ago. I still nit have yet received my money back. I was told it would take 1 business day and I still have not received anything back. There were unauthorized charges that I knew nothing about nor consented to. I demand that my money stolen without permission be returned to my account asap!
I previously filed several complaints, upon review and in attempt to see responses I discovered that PRIMARY CONSUMER on all of my my complaints is LISTED AS  XXXX   XXXX . This is my EX WIFE, we have been divorced and living apart for near ly 4 years.To my knowledge she has never been associated with or responsible for ANY of my credit accounts or credit arran gements to include my home mortgage. WHY and HOW is this name attached to or affiliated in any way to MY CREDIT? I have never co signed on any loan with her, I am the sole signature on ALL my credit accounts NOW IN THE PAST or DURING our marriage. To my knowledge she has NEVER signed, in association with, or party to my credit in any way. How again, and why is she listed as primary consumer on my complaint and her name attached to my credit in any way? This is a GRAVE and SERIOUS ERROR. My previous complaint regarding reporting my home mortgage as an installment loan, and not dropping credit inquiries as they expire and in a timely manor to my knowledge and belief, has not been resolved and result or response to my complaint has not been received or conveyed to me.
On or around XX/XX/XXXX I learned that negative report information had been submitted by Bank of America. Upon receipt of my XXXX   report in XX/XX/XXXX, I immediately disputed same on the basis that I did not engage in suspected fraudulent activity. I advised that the information was false and that I had no knowledge of any suspected fraud activity, on my part. I requested the negative information be verified, and upon the assumption it could not be, subsequently removed from XXXX. I have never owed money to Bank of America that would have resulted from mishandling of my account. On or around the day the account was closed, I still had funds in the Bank of America checking account, which I believe have been returned to me although I can not remember for certain. Despite all of my attempts to contact Bank of America and have this information removed, I have been unsuccessful. To date, I still have not received any information from the bank verifying the accuracy of this activity and I continue to maintain that any suspected fraudulent activity was not done on my part and I have never knowingly and/or intentionally mishandled an account with this or any other institution. On XX/XX/XXXX, after being denied for another bank account, I received a XXXX   report indicating that this institution continued to report negative information. I again disputed the information on the basis of its inaccuracy. I again requested any documentation that the bank believed would verify the accuracy of their negative reporting. As of this date I have not received one document. On XX/XX/XXXX I received a third XXXX report after continuing to be denied for a bank account, except this time denied at a local credit union. This institution continues to report suspected fraudulent activity despite the fact that it is false and is a clear violation of the FRCA which requires them to accurately report information, and correct and remove any immaculate information. The report itself implies that it has not been verified by indicating that any such fraudulent activity, albeit denied, is merely suspected The FRCA requires this institution to verify, with proper documentation, this informations accuracy within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years since the date that this was first reported and this institution has not provided one single document to prove or verify the accuracy of this account. The negative reporting information has inhibited me from getting a bank account and I am facing severe financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account with my information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have been disputing this for almost two years. I am desperately seeking your help as I have exhausted all of my options.
I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact Transunion, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?
I 've started a new job which means my pay dates are off from when i first started the loan. i called to have the dates moved to the days that i actually get paid, and was told that i could n't do that.
I made a payment of {$800.00} on XXXX/XXXX/15. The bank processed this transaction, and it was officially pending on my account. On XXXX/XXXX/15, the transaction for XXXX/XXXX/015 has completely disappeared from my online statement. I call BB & T to see what happened to the payment and the representative informed me that the transaction had been cancelled by the debtor and she proceeded to tell me that this transaction would not be posting to my account because it had been cancelled. I had some other bills due since this transaction had been cancelled I thought I would put this payment off XXXX. I went ahead and paid XXXX other bills and was not concerned about being overdrafted since it was evident that transaction for {$800.00} had not been processed and had been cancelled according to the BB & T representative. On XXXX/XXXX/15 the transaction of {$800.00} had been posted to my account even though I had not been told that there was no way this transaction could post. Now I have XXXX other ACH items out at the moment and once they post my account will completely overdraft. I called a BBT representative again to only be told that there is nothing that they can do.
Complaint with Bayview loan servicing.LLC P.O.Box XXXX XXXX Mi, XXXX Company is located in Florida. Many many complaints, just look y=up. 

Please read this, this company Bayview loan servicing LLD, is in name only, they dp nothing but shuffle account around, no maintence, refusing payments. MAny homes are being foreclosed on. This company is a collection agency and A Mortgage CO. 

My issue is small I just need them to do an escrow analysis again, taxes are lower, refuses and payment went up {$200.00} I can not afford. Can not reach Anyone. I have faxed to them taxes still nothing. SOMEONE NEEDS TO STEP IN AND SHUT THEM DOWN. NOW MY ACCOUNT IS WITH AN ATTORNEY FOR FORECLOSURE. 
PEOPLE ARE LOSING THEIR HOMES. AND IT IS NOT CUSTOMERS FAULT. IF THIS COMPANY CONTINUES, THERE WILL MANY HOMELESS AND A CLASS ACTION. 
THIS COMPANY BOUGHT MORTGAGES FROM MANY GOOD BANKS, SO ALL THESE MORTGAGE LOANS ARE NOW CONSIDERED A COLLECTION ACCOUNT. 
AND SO MANY COMPLAINT ... XXXXi AM CALLING FLORIDA XXXX XXXX THIS IS AWFUL. i WORKED AT A BANK IN MORTGAGES AND CAN EASILY SEE THIS HAS TO STOP!!!! THIS IS A HUGE SCAM AND IT IS WITH PEOPLES HOMES!!!!
Equifax was advised on XXXX, this information that this account was in XXXX, and then again advised regarding the matter that this account is unsecured and is not backed by a student loan or government entity of any kind. University XXXX Louisiana XXXX shows a debt for XXXX, this is a unsecured debt and i have provided several times the document showing that the account should state closed and discharged BK as of XXXX The account is no longer a debt.
I was just given a credit increase wit h Barclaycard rewards  card to find out this am they lowered my limit from  XXXX  to   XXXX   with a balance of  XXXX . I have never been late. Always paid well over what was asked. Just got a credit increase 2 months ago. All my other cards were increased too. My credit to debit is 17 % and my score is  XXXX . So with no reason, no letter, no call, no email of notice to this I am now at a 95 %!! Is it legal for them not to let you know even tho on their paperwork it say they notify you 45 days prior?
I responded to a solicitation from Discover Bank in XXXX, 2017 for a home equity loan at 3.99 % for up to {$150000.00}. Within the first 30 days the bank advised that I was eligible for the full {$150000.00}, at the 3.99 % rate, based on the application they completed over the phone with me. After at least SIX months of providing documents to Discover, many of them provided 2-3 times, evidently because they misplaced them, I was advised by mail correspondence that my loan was declined. The day before, by email, I advised Discover that I was withdrawing my application. That same day Discover officials ( XXXX XXXX XXXX ) told me by phone that they were still seeking ways to make the loan work. After explaining to several officers that I withdrew the day BEFORE I physically received the letter from Discover denying my application, they still would not list it as a withdrawal. I would like to be compensated for all the time I spent providing documents to the bank over an unusually long application period, only to have Discover decline my loan application, after within the first 30 days advising that I was eligible for the highest loan amount they offered along with the lowest interest rate. That, based on a strong portfolio, excellent balance sheet, and 25-year record of mortgage payment and payoffs.
I paid the loan off XXXX on a car loan XXXX years ago ons it is still on my credit report I talked XXXX and they said it was up to the. Credit bureaus to take it of I want it off I paid the money to pay my loan off so discusted
We have been with Comenity Bank Total Rewards Visa since XXXX 2017. In 30+ years of managing our credit cards, I have always paid off our balance every month and have always allowed ample time ( 8-10 days ) for mail to reach its destination and never had late payment issues. I recently noticed interest charge on the statements so I called to find out what happened. On X/X/17, I spoke with XXXX ID # XXXX. He explained to me that although I paid off the balance on the statement, Comenity Bank Card charges interest on the charges that incurred after the statement cycle. And in order to avoid the interest charges, we need pay off the entire balance on the account ( not on the monthly invoice they sent me ). I need to call them to get my most current balance and pay that balance in order to avoid interest charge. I have used credit card for 30+ years and this is the first time I encounter this type of credit card interest charge. I reviewed the back of the statement and under Paying Interest, it states We will not charge you interest on purchases if you pay your entire balance by the due date each month. So I called on X/X/17 again and spoke with a Resolution Specialist named XXXX ID # XXXX. He now told me that XXXX was incorrect. XXXX said the interest charge was incurred because my payment was late. I know this is an erroneous excuse because he needs to place the blame on me in order to justify the charges. I then question him why the stories are different between him and XXXX. He would not reply. Comenity Bank is deceivingly charging fees to consumers who pay balance in full by making up erroneous rules and accusing customers of being late on payments. Posting payment is controlled by Comenity Bank Credit Card Accounts Receivable Department. 8-10 days of mail delivery is more than sufficient for any honest business operation/practice. I do not believe 20 days of mailing time would make a difference. This seems to be a tactic for Comenity Bank to make additional revenue. And it is the only way they are able to extract money out of good customers who pays in full and on time. Comenity Bank is operating an unethical practice and fraudulently charging consumers with erroneous fees. 95 % of the BBB reviews are negative against Comenity Bank.
I have previously filed a complaint regarding my problem. The case number is : XXXX. The status is showing that it is still in progress. In the meantime, my employer has received a new garnishment letter, which says it will go into effect on XXXX/XXXX/2016. It is now XXXX/XXXX/2016, so it is supposed to take effect on my next paycheck, which is Friday. The order states they are garnishing 15 % or levy, which was supposed to be attached, but was not. It is issued to USA Funds, on behalf of XXXX XXXX. Can you please advise? I 'm already getting a paycheck for {$300.00}, if 15 % is taken off of that, I will not have anything left.
I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted XXXX, XXXX, and Experian to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.
I have a credit card with   XXXX   XXXX  -I was in the process of starting to dispute some of the charges. But  XXXX   XXXX  was not was not responding to me. Now I found out that I have been sent to  Kramer  and Frank attorney at law, and have a lawsuit pending from bankruptcy attorney solicitations. No one has contacted me fro m Kramer and Frank. I  have not received any mail or phone calls from them. They have filed sue on me  X/XX/2017    and I have not gotten anything from them. Today,  X/XX/2017    I have faxed over a validation letter to the attorney office, but I ca n't seem to get a call back. Please help.
I 've had identify theft for 2 years ( approx ) ... I believe related to the XXXX XXXX breach. I 've had multiple attempts through Bank of America to take out new credit cards, etc. I 've called Bank of America multiple times ... they tell me its all fixed and the card is cancelled ... and then it happens again and the card was never closed the first time. This is the third time now that I 've called them saying that I have a credit card and I 'm quite certain its the same card that never gets closed. I have no idea what to do to make sure that I have no accounts with Bank of America.
My lease was coming to an end at the XXXX. I submitted my 60 days notice 90 days ahead of time to then property manager. He honored the notice and filed it along with my lease information at that time. 30 days before my lease was up I get notice telling that my lease is up in 30days and I had n't submit any notice as to if I 'm renewing my lease or leaving. I then contact the rental office and told advised them that I had already turned in my noticed not to renew. I was then advised that the office staff is new including the manager but they would check everything and I could disregard the letter. They did contact me and informed me that they has my notice the next day. Upon move out day I was told I didnt have any balance and my account was clear and closed. But then 1 month following that I get a phone call telling me that I will need to pay for a prorated month and a whole month for the unit not being under another lease agreement upon me leaving. So there trying to make me pay the monies loss while they waited for another tents to rent the unit. When I refused to pay and cited that I submitted timely and proper documentation to be let out of my lease. That excused me for having to pay any loss monies for the unit being empty. They then stated that I would be sent to collections because of it. And now I have a account in collections with fraudulent charges all because this complex wanted me to pay for a unrented unit.
twenty two t housands dollars charged by a fake account holder who uses my name since   XXXX   XXXX   XXXX     and have all the documents that the fake account with a diffrent adresss and citi found that it is all fraudulent activities, they have not come clean or explained what happened. my name has been given to collecting agency with negligence and they are not willing to restore my identity.
I am in the process of trying to purchase a home, I spoke with a mortgage representative on XXXX/XXXX/XXXX and they pulled my credit, on XXXX/XXXX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. On XXXX, I received a notification that Procollect Services Inc. had been added to my credit profile for a collections of {$2500.00} and that the credit file had been opened on XXXX/XXXX/XXXX. Since XXXX XXXX, I have been diligently working on my credit to attempt to correct it and I have been keeping a watch on my credit report since, not one time, was this ever placed on my credit report, I never received any telephone calls, emails or mail from this place.
I am currently trying to refinance under the XXXX program. You need to be current on all mortgages in the last 12 months in order to qualify, which I am. Ditech Mortgage has incorrectly reported to the credit agencies that I am at least 90 days past due on my mortgage which is absolutely not accurate, even according to their own records which they have sent to me. I have been following up with them for well over a month to get them to correct this and notify the creditors that the report was an error and we have paid as agreed, but today XXXX/XXXX/2016 they have still not corrected the situation and this is adversely affecting my credit score and my ability to refinance. I have called several times and emailed and this remains an issue. I 'm asking for help to get this rectified quickly so it stops impeding what I need to do as they do n't seem to care or have a sense of urgency in correcting it.