WillisBack/dataset-financial-user-claim huggingface dataset:
The current financial institution is Mariner Finance, previously, XXXX XXXX. Since the beginning, I've been doing business with them for around 6 years or more and I had never pay late, never to them. But last year I had to apply for Bankruptcy chapter XXXX, XX/XX/XXXX, and by that time I decided to keep the loan and the vehicle. When I received the payoff letter with the amount of little more than {$6000.00} and the vehicle market value, salvage value, any kind of value is less than a {$1000.00} more close to {$500.00} it was not worth it to keep it. I was going to pay more than {$6000.00} for almost 4 years and the vehicle won't last that much. In XX/XX/XXXX I talk to my lawyer and it was included in the Bankruptcy surrendering the vehicle. The Chapter XXXX was discharged in XX/XX/XXXX but, even though it was included in the Chapter XXXX in XX/XX/XXXX, Mariner Finance kept charging me the monthly amount of {$190.00}. I know it because in my credit report it appeared as an active account and in XX/XX/XXXX I had a past due amount of over {$1200.00}. After talking with them a few times to send somebody to pick up the vehicle and close the account, they did nothing about it and the vehicle is still in my front yard. I'd file a dispute with XXXX Credit Report Agency and finally Mariner Finance close the account as of XX/XX/XXXX for the purpose of the credit report only. As of to-date I had enter their web site and into my account and I have a past due balance of {$1400.00} that is of payment from XX/XX/XXXX to XX/XX/XXXX, 7 months of {$190.00} = {$1300.00} plus a late fee charge of {$15.00}. Do the math. Obviously, this account was included in the Chapter XXXX, discharged in XX/XX/XXXX, so, this account should be totally close, not adding a monthly payment at all. {$0.00} debt, closed, XXXX, period. As a matter of fact, Mariner Finance still has the title of the vehicle, I don't have a problem with that. But, if they are not going to pick up the vehicle, don't you think they should return me the title? I can't do anything with the vehicle. It's just sitting there. Can you help me, please? Note : If you need the account number, please, email me and send me how to contact you.
I put a FRAUD ALERT, CREDIT FREEZE, AND A HOLD on my credit file over a year ago, and I am still have my credit report pulled constantly by different companies without my authorization and all XXXX agencies are refusing to delete the inquiries from my credit file which now shows I have over XXXX pulls in over a years time. 
Then lately I had a XXXX claim paid off XXXX credit cards from XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( all account ) and they the credit bureus and banks has refused to update my account as paid and and XXXX balance, I have even sent them the letter of the paymets sent to them and verified the payment had been received. 

XXXX XXXX has reported the account past due which has brought my credit score down to a XXXX from a XXXX. 

Third ; all XXXX credit bureara, has refused to correct my address, phone number on file I have sent in my social secutity card, utility bills, DL, ect and they refused over and over again. 

Equifax refuse to even send me a copy of my file at all even when I send them a denial of credit. 
XXXX refuses to dispute any of my request saying that I have no grounds to dispute even with new evidence. 
XXXX same outcome. 


I have asked that the freeze stay on my credit report but I have ask that I be opt back in to receive offers from my current creditor and I have not had that fixed either.
On XX/XX/2017 I was in XXXX XXXX XXXX in XXXX XXXX to get a new car. I was going to do a finance option and said they could run my credit. I told them to run my credit, but later I found out they had run it for 5 different times in the span of the 15 minutes? I believe once would have been suffice. These 5 hard inquires have brought down my credit score They are still there 1.5 years later. I would appreciate them being removed. Thank you.
Care Credit : XXXX needed some XXXX work in 2013. I borrowed $ XXXXI have paid approximately {$300.00} against this balance. Due to late payments and interest and penalties the amount continues to grow. 

I have been in financial hardship. I am in severe economic harship. This Care Credit is a preditor which is taking advantage of my hardhip and penalized me for late payments and now seeking a " {$310.00} '' " Minimum Payment '' on this now " {$850.00} '' balance. 
The interest rate on this card is now " XXXX '' perccent. I just made a payment of {$58.00} which I had to use a post dated check. I have a credit union I have been with for 20 years that would never do to me what this President is allowing these scoundrals to get away with. 

I need help. 

XXXX XXXX XXXX, XXXX
Hi I am having an issue with XXXX XXXX XXXX XXXX. Due to what theyre calling a system glitch my account was charged an unauthorized charge of {$100.00} causing my account balance to display - {$84.00}. They offered nothing but Im sorry for the inconvenience and other customer service level excuses. This is an unauthorized charge that Amex removed from my account without permission. This transaction took place on XX/XX/XXXX and they said cant be returned until XX/XX/XXXX
Hello, I am a XXXX XXXX XXXX from the University XXXX XXXX XXXX in XXXX XXXX, Ohio. 
I am writing to inquire about what the terms or grounds for harassment are regarding a student loan lending company? I am struggling to find a stable and secure position within my degree field and I have every intention of paying back what I owe in debt. However I am in a position that I do not possess the financial means to pay the lump sum they are demanding. 

I have pleaded for a deferment so that I can find a job and not have the added stress that they are burdening me with. They call my house dozens of times a day, at all hours of the day from very early morning till XXXX or later. They have also called my grandparents yesterday, and today have contacted a close friend from XXXX. 

I am a XXXX and have no knowledge of law when it comes to something that pertains to this predicament, I am just at wits end and plan to pay most of what I have in savings just to get them to subside for the time being so that I can devote more of my time to finding a stable job. 

Thank You.
Good afternoon, I filed for chapter XXXX bankruptcy protection in XX/XX/XXXX and included my CitiMortgage XXXX mortgage as part of my debts in that process. 
XX/XX/XXXX, nearing the end of my repayment program, CitiMortgage offered me the opportunity to be part of a loan modification program that would allow me to get back on track with payments. I successfully made the 3 trial monthly payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, signed the agreement paperwork which outlined the permanent terms for the remainder of my mortgage payments and was enrolled in the program. 
Out of the blue on XXXX my CitiMortgage discharged my mortgage and they have refused to make good on the terms set forth in our legally binding agreement of XX/XX/XXXX and with that my credit rating has further suffered due to their negligence. 
I will be happy to provide my bankruptcy attorney 's name and contact information as he too has tried to assist to no avail. 
Thank you for any help that you are able to provide.
After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
On XXXX XXXX 2017, my closing attorney used the automated phone system at Ocwen Mortgage to order a payoff quote on my loan. They requested the payoff good through XXXX XXXX 2017. The payoff was faxed to them with a good through date of X/XX/2017 and I was charged a {$10.00} fee for the quote. I assumed this was a fee for Ocwen having to fax the payoff to my attorney. <P/>My closing date was XXXX XXXX 2017 and I did not want them to send Ocwen payoff funds for a XXXX XXXX 2017 payoff as they would be sending too much money. I would then have to wait for Ocwen to refund the payoff over payment to me ( which was approx {$300.00} ). On XXXX XXXX 2017, I went online and requested the payoff good through XXXX XXXX 2017 and received the payoff with the correct good through date this time. Ocwen charged me another {$10.00} fee for the quote. I did not understand why this fee was charged as I did not have it faxed anywhere and there was no disclosure on their website advising me that a fee would be charged. <P/>On XXXX XXXX 2017, I called Ocwen and requested that they waive the {$20.00} in payoff fees and was told by their customer service rep that that was not something that he could do. He advised me to send a written request and someone would look into it for me. I tried to send Ocwen a written request through their website but after typing up the request, clicking on the " send '' button did n't do anything. I tried twice, once using XXXX XXXX and once using XXXX XXXX XXXX. I was finally able to send the request to them using XXXX XXXX on my mobile phone. I also filled out a Customer Service Survey and explained that I was very unhappy with the service I received. <P/>I received a phone call today, XXXX XXXX 2017, from Ocwen in response to the poor rating I gave them on the survey I submitted. The Ocwen rep asked me how he could help and I explained what I was trying to do and that I just wanted the {$20.00} payoff fees waived because the first payoff quote was not what was requested and the second payoff quote was not faxed and it was not disclosed to me that they would charge me a fee. He told me that he was very sorry but there was nothing he could do. They do not waive payoff fees and he could see that two quotes were issued so I owed the payoff fees as charged. After explained again why I was not satisfied with his answer, he said that there was no way that the first quote was issued with an incorrect date because it was impossible for their system to be wrong. I informed him that my closing attorney 's office stated that they have this problem with Ocwen on a consistent basis. They request a payoff good through 7 days after a closing date but they consistently receive a quote that 's approximately 30 days in the future. The Ocwen rep basically repeated what he had already said and informed me that he would bring the non-disclosure of fees up in his next team meeting. <P/>I realize the amount of money is not substantial, however, if they consistently charge fees without disclosing them or charge fees when a mistake is made and then charge another fee to make a correction, serious fee income is being generated using unfair practices.
Apartment complex upon exit at the end of my lease claimed that there was carpet damage " pet stain ''. They wanted me to pay {$350.00} for replacement. I disputed the charge and asked for evidence since I had not pet and there was never a pet in the apartment. The carpet was in the same condition as when I moved in 12 months prior. 

Without any further explanation or proof and with no consideration or response to my dispute letter, this was turned over to a collections agency. I again disputed the claim and asked the collections agency to allow the claim to be worked out between myself and the Apartment complex. I received no explanation nor any further correspondence. 

Subsequently, I received a notification in XX/XX/XXXXthat my credit rating had dropped around 100 points due to " bill collection ''. I am XXXX years old and working hard to build credit. A 100 point drop over a {$350.00} claim seems very drastic especially given the lack of response or respect for fair billing and fair collections. 

The Apartment complex is called Arbors at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Al. XXXX. That property appears to belong to XXXX XXXX ; address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

The collections agency is NCC Business Services , Inc. located at XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX ; phone : XXXX
From XXXX XXXX to XXXX XXXX, I received XXXX calls from One Main Financial, placed from phone numbers XXXX, XXXX, XXXX, and XXXX. XXXX of those calls were made to me at XXXX and XXXX call at XXXX When the calls went to voice mail a message was left telling me to contact One Main Financial about an important financial matter. When I called, they wanted my loan number ( I do n't have XXXX -- I have no financial dealings with One Main Financial ) or my social security number, which I refused to provide since I do n't know if this company is legitimate. On the occasions they reached me directly, I would tell them the person they wanted was not at this number and they should stop calling me, but the calls continued. I gave them my name and phone number and they acknowledged they had no record of me in their database. From XXXX XXXX to XXXX, I called them daily telling them to stop placing calls to my phone number and was told a supervisor would take care of that, but the calls continued. Finally, on XXXX XXXX, I was told that they were calling XXXX and trying to reach XXXX XXXX or XXXX XXXX. The operator had no idea why she had incorrectly called my number, which differs by XXXX digit, but that she would report it to a supervisor. Most of the calls were received on my voice mail, and when calling the number they left, it was difficult to reach a live operator, the operator refused to direct me to a supervisor, and promised to fix the problem, which was often not done. No operator was available after hours in Texas. Calls were placed outrageously early and interrupted my sleep. No one ever apologized for the disruption of having debt collectors unjustifiably calling my number several times daily, filling up my voice mail, and possibly conducting fraud by asking for my social security number.
Company contacts me several times a day at my employment. I have asked them numerous times to cease and desist all communication. No debt is owed, on the account.
I am writing for the second time regarding this account. Last year, I stated that I never received cash advances totaling over {$12000.00}, when my cash advance limit was {$3200.00}. They sent me several years copies of past statements for me to go over to defend my complaint. However, when creating a month-by-month spread sheet deducting payments, adding interest, etc., I found that there were several months missing. So I could go no further. They sent me a note indicating that I applied for a balance transfer and that is why the entire balance was applied to a cash advance. Why would I apply for a balance transfer for an APR rate that is over 29 %. Furthermore, my original credit card was with XXXX XXXX XXXX. It was sold to XXXX, and then to Capital One. I had nothing to do with this account going from one bank to another. 
I want them to go back and recalculate my balances from day one, apply the correct rate to purchases and deduct the high cash advance rate, and credit my account accordingly.
I am repaying a private student loan from XXXX XXXX XXXX XXXX, serviced by XXXX XXXX XXXX. My payments are sent via an automated paper check sent out by my credit union through their online bill pay service. The payment due date is the XXXX of each month. The money does not get deducted from my checking account until the check is actually presented for payment and cleared through the ACH, just like any other paper check. 

When I looked at my payment history on the XXXX XXXX XXXX XXXX  website last week, I was startled to see that my XX/XX/XXXX payment was marked as processed on XX/XX/XXXX. I checked my bank account record and saw the check had cleared on XX/XX/XXXX. I looked at the other payments shown on the XXXX XXXX XXXX XXXX website and saw another discrepancy. My payment due onXX/XX/XXXX was marked as processed on XX/XX/XXXX. Again, this payment shows on my bank information as clearing on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX XXXX to ask about why the processing was not reflecting the actual date these two checks had cleared. They claimed that because I was having these checks sent by my credit union 's bill payment service, the credit union was taking the money out of my checking account at the same time the check was sent, not when XXXX was getting the actual payment. This is false. First, the paper check is being sent by the bill pay service prior to the XXXX of the month - it is sent in advance in order to arrive timely, i.e. BY the XXXX, not ON the XXXX. Second, the XXXX XXXX XXXX XXXX website shows that my payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all processed on the XXXX of the month, which would be impossible if the check were just being sent out on that date. Third, I pointed out that my XX/XX/XXXX payment was processed by XXXX on XX/XX/XXXX, according to their own records, which, if XXXX 's position were correct, would be two days before that check had even been mailed. 

I asked to have the extra interest charges refunded. It is not a large amount, but it is my money, not theirs. If they did n't want to do that, I offered to accept a lump sum credit of {$5.00} for each month that my payment was n't posted correctly, a total of {$10.00}. They refused both of my offers. 

The thing that really bothers me about this is that most people would not notice or understand the significance of the late posting. If every student loan borrower being serviced by this company is having their payments credited late twice a year, like I was, this company is cheating its borrowers by overcharging on the interest on those loans. This is fraud and it needs to be stopped. God knows how much money this could all add up to.
Several time before this my wife would let me listen to voice mails she had received. It was the bank for this credit card, I never gave her number. I gave the correct information when I did the credit application. But they skip traced and got her number. I have not gotten mail from this company. Only from XXXX XXXX. 
On XX/XX/XXXX, I was answred a call to XXXX my wife. The guy did not confirm who he was talked to, he tried to strong arm collect this debt. by telling me he was taking me to court or charging off the balance if I didn't pay it tonight. I wouldn't talk to him. I was rude to him, on puropose. but asked for a manager. 
This guy acted like he had some sense, we set up the following arrangements. I paid XXXX that night, I would call XXXX on the following dates and pay XXXX per installment. XX/XX/XXXX and XX/XX/XXXX. I also told them I have a bill payment comeing to them every Friday from my bank, automatic. XXXX which it was agreed I would not have any other calls, my wife wouldn't because I updated my phone number. 
I made it very clear to the Manager, I would block the calls if they continued and they would only get my payments, as I send them in. he understood. 
Since then, I have gotten calls to XXXX ( my number ) XXXX @ XXXX XXXX, restricted numberXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX @ XXXX, XXXX XXXX  XXXX XXXX, XXXX Robo caller XXXX XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX XXXX XXXX @ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX, XXXX Robo Caller XXXX @ XXXX , XXXX ( restricted ) @ XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX Robo Caller @ XXXX, XXXX Potental Spam XXXX @ XXXX. 
As you can see, these calls are excessive from this company.
XXXX XXXX made a hard inquiry on my credit report on XX/XX/XXXX without my permission or authorization. I spoke to TransUnion supervisor XXXX XXXX on XX/XX/XXXX who refused to remove the inquiry and informed me that I could not dispute the inquiry. I contacted XXXX XXXX who told me they would not ever make a hard inquiry without authorization. But XXXX would not send a letter asking for the hard inquiry to be removed. I asked Transunion to make this inquiry a Fraud Inquiry and they said no. So there you have it, both the credit company and the credit reporting agencies are both working against the consumer with no way to resolve. What a shame.
They are calling before XXXX and constantly calling during times I am at work or in school. I 'd rather just get correspondence.
Yesterday I am paying bills, called XXXX cause I Looked at my bills and again like last month it has fees on it that I did not understand, so like always I call XXXX and they say that Experian has closed my XXXX account, I said what. What does experian has to do with my XXXX account. I know XXXX told me several months ago they would reduce my credit limit from XXXX to XXXX i was fine with that until I get the bill down. When I contacted them last month, expecting to pay them XXXX dollars or so the automated teller said XXXX so I paid the XXXX. There was the XXXX dollars on the statement then but I thought I guess they know what they are doing I will just pay what they suggest. The XXXX dollars. Now yesterday I called to see why the XXXX is still on the statement and they tell me that the account is officially closed by Experian. I am confused and the young lady said, she hated having to tell me and other customers this information because XXXX has not allowed the customer service staff to see whats going on so clients can know when they talk to customer service people. The accounts originated with XXXX how can clients accounts then can only be discussed with experian and closed by experian with no 30 day warning to rectify or change anything. Isn't experian a credit reporting agency how do they get the authority to view and close my account, I don't even understand. And why is it that the company I open the account with does not close the account but a credit reporting agency does. I will do my best to pay XXXX off in the next few months and have them out of my life.
On XX/XX/2018, my daughter drove me to a chase atm to attempt to withdrawal {$300.00} dollars for my checking account. She assisted me with the transaction. However, when it was time for the atm to give the money, on the screen appeared a message saying that the atm machine was unable to give cash. So we retrieved my debit card and waited for a transaction receipt but the machine did not print one out. Therefore, my daughter and I left without any money and receipt. About two weeks later, I checked my bank statement to check my balance and in the statement it appeared that I had withdrawn {$300.00} dollars, which was incorrect because that night the atm did not dispense any money. 
My daughter then assisted me with contacting Chase bank to address the problem and gain my {$300.00} dollars back. The Chase representative then said it will take 10 days for them to review the case and will then contact us with the outcome. 10 days later, I received a later from chase stating that the transaction was processed and that in fact the money was given by the atm. I then chase bank contacted by phone again and asked for them to review the surveillance video to verify that the machine did not dispense the {$300.00} dollars. They then said I needed to file a police report because that would be the only my way to gain access to the surveillance video. I attempted to file a report with the XXXX XXXX XXXX sheriffs department. A deputy was sent to my home where the deputy informed me that they couldnt do anything about it. To this day I have not been able to gain my {$300.00} dollars back and I have not been able to get the right guidance and help to obtain my founds back.
Enhanced Recovery Corp entered a fraudulent entry on credit report which had been previously removed as a result of ID theft in 2014. This fraudulent amount is allegedly for XXXX XXXX XXXX, which I have never had ( I use XXXX ). When I called their XXXX phone number, they said there was no account with my name.