WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my husband and I were in an auto accident and my XXXX XXXX XXXX, which was financed by Ally, was totaled. Although I bought a new vehicle about 3 weeks later, I paid my XX/XX/XXXX payment on my totaled car because my insurance company and the gap insurance company were still settling. In the middle of XXXX, I called the Total loss department at Ally and asked for a breakdown of what was being paid. I was given the payoff amount of my car, the total amount my insurance company and the gap insurance company were paying and the amount of credits for the refund of the gap insurance premium. It all totaled to XXXX. Three months went by and out of the blue I get a letter from Ally saying that I owed them {$1400.00}. I have called them 6 times asking for an itemization of why I owed this amount and why it took them 3 months after all the insurance companies paid to let me know I still owed money. They keep telling me they will escalate my issue to a supervisor and have them call me back. I had a supervisor call me back one time and she said that she was escalating it to upper management. No one is calling me back and explaining why I was told I had a XXXX balance in XX/XX/XXXXand then 3 months later I owe them money. I had gap insurance, I was told I had a XXXX balance in XX/XX/XXXX. Why do they keep ignoring me?
Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed XXXX XXXX Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX
I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that Navient would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from Navient has a 90-day late payment as of XX/XX/XXXX. I called Navient today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.
On XXXX 2017, I made my monthly payment of {$240.00} toward my FEDSTUDENT Loans. My bank account had sufficient funds to cover this payment. Federal student loans ' billing states that three ( 3 ) business days should be allowed to debit the account and reflect the payment as paid. 
On XXXX, 2017, I received a letter from FEDSTUDENT Loans that I had insufficient funds to cover this payment. 
THIS IS A FRAUD statement AND I can PROVABE it THROUGH MY BANK STATMENT. FEDERAL student loans & billing never processed the payment as evidently shown on my bank account BUT reported me delinquent as of today, XXXX,2017, for 8 days. 
Once again, as of today, I made another payment {$240.00} that was due on XXXX,2017 - this payment will be reflected on Monday XXXX, 2017 and late. 
It is a fault of the FEDSTUDENT loans billing practices to mess up the credit of former students. FEDSTUDENT loans work very slow and inefficiently. In addition, if a former student is on Income Based Repayment Plan, the former documents for such eligibility are not attached/displayed at the former student federal loans account online for a prove of elligibility. Why? 

Most importantly, former students should not be reported delinquent due to the wrongful billing practices of FEDLOANS. I BELIEVE THIS IS DONE WITH PURPOSE SINCE I AM ON INCOME BASED REPAYMENT PLANS - IF I AM DELINQUENT I WILL BE DISQUALIFIED AND DROPPED FROM THE IBR PLAN AND NOT ELLIGIBLE FOR. WHAT TYPE OF 'DISHONEST ' GAME IS THIS BY THE FEDLOANS?
XXXX XXXX XXXX is charging me for equipment which was returned. I have spoken to them numerous times about this and they told me in XXXX that this charge was removed from my account. Then, all of a sudden, in XXXX of XXXX it showed up on my credit as being in collections. I called them and was supposed to be transferred to their " recovery dept '' and was left on hold for 36 minutes. I then started a chat session and was also disconnected from that. They have the worst customer service I have ever encountered. I do not owe this and I want it settled once and for all ... not for 2 years and then all of a sudden reappearing on my credit report as a collection account. Very disturbing!!
OCWEN HAS ENGAGED IN CONTINUOUS PREDATORY PRACTICES, intentionally to avoid assisting me/ a borrower, in resolving the toxic, bad loan STILL plaguing me from pre-2008 meltdown/ bad debt. They have EVERY time sabotaged ( I have proof ) the process to avoid ANY RESOLUTION to the toxic loan I am still saddled with. For over 1.5 years I have attempted a conventional refinance, a HARP refinance, a modification, and a short sale among other attempts to resolve. OCWEN BURIES the process and SABOTAGES it : Hiding behind bureaucracy so egregiously that the applications expire, and/or documentation expires, creating the continuous requirement of new documentation and notifications of FURTHER DOCUMENTATION REQUIRED, EVENTUALLY REQUIRING US TO APPLY FROM THE START ALL OVER AGAIN, AND THE SABOTAGE CIRCULARLY CONTINUES AD INFINITUM. 
ALL-ALL-ALL LEADING TO " DECLINING THE APPLICATION '' AND NO RESOLUTION. 
OCWEN IS PREDATORY and blatently avoiding borrowers receive government assistance programs or working on a solution, ANY SOLUTION, to get them out of toxic debt caused by the residual bad loans that caused the 2008 meltdown.
I received a letter from Wells FargoXX/XX/XXXXbased on that statement I owed {$650.00} I paid {$200.00} which I thought would bring my bill down to {$450.00} but instead the letter indicated I owe {$1300.00} after talking to several representatives my balance actually was {$710.00} as of XX/XX/XXXX statement. I called Wells Fargo and I had representative name XXXX ex XXXX working with me i was trying to get the late fees waived because in XXXX I filed banckruptcy and I reafirrmed with Wells Fargo and the amount we agreed on was no late fee just 4 % intereste rate, my court letter indicated no late fees. Then I received another statement dated XX/XX/XXXX with a new balance of {$910.00} I called XXXX to find out why would my statement go up {$200.00} she tried to explain to me that since I missed XX/XX/XXXX payment they added the XXXX to my statement because I missed XX/XX/XXXX payment. I told her that I can see a late fee and interest but how can Wells fargo justify adding {$200.00} to my statement.
Between approximately XX/XX/XXXX and XX/XX/2018 Citibank allowed a credit card account to be fraudulently opened in my name and the name of another person ( liked to the same account ) within days, sending the new cards to my mail address. This was combined with an attempt to steal my mail by the thief watching and noticing I was not home, putting a hold on my mail at the post office during that time and then trying to pick up my mail at the post office to pick up the new, bogus credit cards - a coordinated scam between online fraud and postal theft/fraud. The person was not able to get a hold of my mail when I went to the mailbox and then post-office, retrieved my mail and averted the theft. The Citibank credit cards had an {$11000.00}. The thief opened another card with another company, so the overall amount was for {$19000.00} of credit. A third attempt was met with more scrutiny by a third financial institution. 

Issue 1 - My issues with Citi start with that when I alerted them, they were not supportive of my efforts to immediately close down the account. I talked to a fraud contact at the bank on XX/XX/XXXX, and did not want to give him my SS # but understood the account would be closed. I then went to my credit bureau to put a fraud alert on my account. On XX/XX/XXXX, Citi contacted me about the account but the person contacting me had no information and the account was not yet closed or of the incident reported on XX/XX/XXXX. She was helpful in closing it down and I asked to be transferred to someone who could help identify the causes of this fraud. 

Issue 2 - Even though I was the one that alerted them, the identity theft division of Citi was generally not that supportive and would not help me find information that could help our local police apprehend the local person committing both the online and mail crime. She would not give me any information about my application and said if they police wanted the information, they could call a Citi 800 number and ask for the law enforcement liason - not exactly helpful or responsive to a crime committed using their credit card process. She gave me ambiguous advice about the length of my fraud alert and in general, seemed annoyed that I was asking for help and explanations, when it was Citi that at least played a part in issuing a bogus credit card in my name. When I asked her how I could communicate my concerns and request for deeper explanations as to how this happened, she reluctantly gave me a po box to write a physical letter to a generic customer service contact. The overall impression is that Citibank 's actual conduct does not match their web site-published concern for customers impacted by credit card fraud. I want to make sure that this particular scam is not allowed to continue, and I mistakenly thought they would share this desire.
In my recent review of my credit report In XX/XX/2016 I noticed Central Financial Control is reporting the same account to all three major credit Bureaus. I have disputed this account with the collection agency and they provided me with a itemized statement of procedures performed along with the medical summary of charges. This is a violation of HIPPA LAW. I have uploaded the statement. 
According to my understanding of the Fair Credit Reporting Ac, t their duty as creditors if to accurately report any account and to correct any mistakes and to place a comment of dispute on my credit report within 30 days ; this has not been done as well. 
Central Financial Control XXXX, TX XXXX Account # XXXX
**This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification.   I believe the following information to be inaccurate.    1.CREDITOR N AME - Bridgecrest. - Account type- automobile.   **i am disputing this account for inaccurate information. The last report date of the account was  XXXX   XXXX  so there 's no excuse as to why this accounts displaying inaccurate information.     I am attaching proof that this account has received some form of payment after the date reported for last payment received. They are aware of my financial problems and how I lost my job and agreed to work with me.The monthly payment is also reported  WRONGLY. My payments are (  twice a month ) for {$220.00} totaling {$440.00} NOT {$480.00} as   Bridgecrest falsifies.
The above listed creditor reported different dates for each Bureau, which all are INACCURATE. So this creditor has reported incorrect information to   all  XXXX  bureaus, which is damaging my score with each. I can provide ANY proof that all  XXXX  reports have different information on the areas that I have pointed out. When seeing such inaccuracies, I am to believe the creditor does n't care how this affects my credit and my future success. I am in the process of fixing all and any mistakes. PLEASE I 'm requesting REMOVAL of this account, as it is actually in fact in violation of the Fair Credit Reporting Act. I want a full removal/deletion as it is harming my credit.   Thank you kindly, **  XXXX    XXXX   XXXX   XXXX  Creditor :   XXXX   XXXX   XXXX   XXXX   XXXX . Balance : {$1600.00}. The original Creditor was supposed to disregard all charges including the transfer to collections. Military proof was provided before my departure but apparently the account was still turned to collections. I have provided documentation of military proof. FEDERAL LAW allows Termination of any lease. Federal law,  50 U.S.C. App. section 535,  known as  Servicemember Civil Relief Act ( SCRA ).  I 'm requesting FULL DELETION OF THIS ACCOUNT. The original creditor also went against federal law because I am military personnel so I should n't be held accountable if I was o n orders.  XXXX  I trust that you will resolve this issue. Again no verification has been sent to me about the status. I just do n't understand why they would try to be so sneaky, as a member of the  XXXX  I did n't expect this at all.   Please help me as I am trying to redeem myself and work on my credit. And fix anything that should be fixed. I want to see myself as a home owner in the future and also   XXXX   military Thank you and I look forward to any information reguarding my issues as I 've disputed and have gotten no where.     I can provide any further info if need be. And also if you need the following payment and dates for  Bridgecrest I  can provide that as well
I was contacted by an officer and gave me a number to call because i would be picked up at my office to go to jail.
Third party XXXX XXXX involved in XXXX XXXX. 

XXXX XXXX extortion is an infringement of XXXX. XXXX XXXX has neglected to give data to the buyer and characterize how the purchaser can constrain risk on account of theft-loss, or dispute or cash was stolen from account-holder by deceitful falsification, portrayals or guarantees profited XXXX. 

Denied bank administrations : ATM, immediate store ( payroll checks ), ACH or point of sales, Getting cash back. 

XXXX XXXX administrations being conveyed with suspicious requests and/or dark record information. 

Hasnt enabled me to get cash from my paycheck utilizing their XXXX XXXX payroll card by XXXX. Doesnt permit me record views, i.e. Statement, Checks paid, Transfer, transaction history. 

XXXX XXXX is liable to compensate to consumer as it amounts to deficiency in service.
Paypal Credit pulled my credit score without my consent, resulting in a hard credit inquiry on my credit report. The last time I was on Paypal, all I did was update my profile by adding my new bank account and my SSN. I just saved the information to my profile, I did not consent to them running it for Paypal credit. After doing some research, this has happened to many other people. It 's like as soon as they have your SSN, they take that as an okay to run your credit. The only thing I was doing was trying to get my profile as updated and completed as I could.
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
XXXX XXXX, 2016 I made a payment to my credit card online. The balance amount was XXXX. My payment was {$100.00}. I checked my account on XXXX/XXXX/2016 to find the account overdrawn {$10000.00}. Bank of America debit my account for {$10000.00}. 
I called B of A customer service, was told they would submit the claim but it would take 2 to 5 business days. I asked to talk to a supervisor, he repeated the same words. Evidently it is a script they read from. XX/XX/2016 was a Thursday. Today Thursday XXXX XXXX, 2016, B of A still has my money. How can I get my money returned? Thank you for your help. XXXX XXXX
Ditech has allowed the title on XXXX XXXX XXXX # XXXX XXXX NY XXXX to persist as clouded, with an outstanding incorrect lien of $ XXXX which needs to be removed so we can sell our home which sale was supposed to close two months ago. Ditech has a fiduciary duty to service the mortgage and clean the title.
Best Buy Citi Bank visa, on XX/XX/XXXX I expressed mailed a check ( {$1200.00} ) from a 3rd party account to the KY office which is the express delivery address, the envelope was received by an individual as it was stated within the USPS tracking information, payment was processed on the XXXX, mind you, not applied to my account, the information on the check maintained my address but not the account #, I called several times, finally having spoke with someone who found the check, identified it using the my address and the check #, said it would be applied to my account, that was 3 weeks ago, after speaking with another manager from the KY office a week ago, they told me that it could be up to eight weeks before the already deposited funds will be applied to my account! Concerned Consumer, they had the tenacity to tell me that I needed to make a payment towards my account so that it would not be passed do!
I paid off XXXX XXXX XXXX  XXXX XXXX Ca. in XX/XX/XXXX. Of the remaining payoff funds- XXXX. XXXX was paid to escrow, which had a balance of XXXX and tax and insurance paid in full, a corporate advance from escrow of XXXX and an escrow refund of XXXX to me. Yes in XXXX after a major injury we went into pre forclosure but dumped IRAs to pay all the fees and costs and back payments in one lump XXXX sum so the home never foreclosed. We have been in good standing since XXXX. I felt helpless and railroaded in XXXX and I feel helpless and cheated now.
I owed {$29.00} to J.C. Penney ; due XXXX XXXX, 2016. I logged on to my account this morning, XXXX XXXX, 2016 to pay in full and now I owe {$58.00}!? A late fee equal to my total due amount was added. That 's XXXX right? Is that legal?
Received calls from XXXX multiple times in the past week. Voicemail indicated that they were trying to collect a debt but did not say my name, what the debt was for, who they were collecting the debt on behalf of, or the amount owed. Search for phone number XXXX indicated that others had the same issue. The phone number they told me to call back was XXXX, which also generated a negative search. 

I want the calls to stop and the scam put to a halt.
To Whom It May Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers re : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XX/XX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XX/XX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XX/XX/XXXX & XX/XX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
In XXXX of 2018 I called Chase Auto Finance to request a 60 day extension on my Auto Loan. Due to the the fact I was having a financial difficulty and I needed the extension not only to get caught up but to get some breathing room due to the past few months have been very hard on me financially. My spouse fell ill and has not been able to work leaving me the primary caretaker of our home and children. So prior to the call my reason was that and in XXXX of 2018 I was a victim to damage to my current car that I requested the extension on. I was driving down the highway and someone transporting bulk waste didn't tie down the contents and debris came and hit my hood windshield and undercarriage. I was not able to catch up to the car due to the accident it cause I had to pull over. So I have to pay for this out of pocket and the expenses are well over XXXX. This includes repairs and rental car and fuel. I just needed help. So I called Chase explained this to them today XX/XX/2018 I was told that I as eligible transferred to a specialist explained my position and was denied. Keep in mind my account has never been 30 days late ... I always pay between 7 - 17 days past due. I have never had a late fee until now and I have had this loan going on 36 months. I need help and I need my 60- day extension granted so that I can pay my loan
Equifax will not remove a XXXX XXXX paid in XX/XX/XXXX. The lien was for taxes from XX/XX/XXXX, which would be 15 years ago. I am being penalized for a debt from 15 years ago. Every time I dispute this, no one considers the fact it was XX/XX/XXXX. Also, according to the new laws concerning tax liens for XX/XX/XXXX, I feel it definitely should be removed. Every time they contact the state, they have the date for 2008 ( even though it is for XX/XX/XXXX, not XX/XX/XXXX ) which would also be 9 years.
I disputed the balance of auto loan with TransUnion. The other XXXX credit agency 's have the correct information in their records that I paid off my {$30000.00} auto loan over two months ago. A man in XXXX for TransUnion says they will not take any action to correct their records. He asked me to send him a copy of my vehicle title, instead of them contacting the loan company to confirm. What?! Send him a copy of my title ... I do n't think so! This is not right people! Their reporting is extremely slow and lacking in proper customer service skills.
US Magistrate XXXX has closed this Case. 

Yet, the Proprietor/Defendent is insistent upon A Contiuning Gross Charging in a Cases of Gross Fraud, Theft and Scamming.