WillisBack/dataset-financial-user-claim huggingface dataset:
My case XXXX which is about predatory tending practices on the part of the GM Card continues to be unbelievably unfair. After submitting complaints here, the company has ... for two months ... .toyed with me, giving me over to different managers or case workers, not called me back after I 've left multiple messages with the person they claimed I was supposed to call, mislead me about my options, down right lied to me about solutions, and then, ultimately told me that they refused to help me since I had not been able to afford to pay off my entire balance. 
What is so wrong now is that they are literally playing games with me ... they left me a message over a week ago and I 've called that specific person back many times and she wo n't call me back ... I even had a manager reach out to her to ask her to call me back and she wo n't. This credit card company is behaving so badly. Please follow up with this and publish the details of my story. Everything they have done should be public.
Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with  XXXX  ( formerly  XXXX   XXXX    )  . Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had Transunion re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.
As of XX/XX/XXXX, Had balance of {$110.00} with TD Bank. My husband had XXXX and opened account in my name over the phone without my knowledge. They added late charges and the total is now {$210.00}. In XX/XX/XXXX, I spoke to bank and told them they should not be opening accounts over the phone. They stated my name was on the account and I had to pay it. My husband XXXX XXXX in XX/XX/XXXX and I feel I am not responsible for this debt. They call me three times every day, sent me four letter demanding payment.
JG Wentworth ( mortgage broker ) offered a 20 year mortgage refinance at 3.49 %. Just prior to closing, I was given a final loan package to review which indicated that I would need to bring {$3000.00} to close with my new loan payments set to begin in XX/XX/XXXX ( I did not wish to " skip '' a month of payments in the new loan ). I also discussed the cash to close amount with the loan officer XXXX XXXX. Finally, I made preparations with my bank to have these funds ready for closing. The loan closing was pushed back a couple of days, for unclear reasons on the lender 's side, and I was scheduled to close on XX/XX/XXXX. At closing, when reviewing the documents, it appeared that the entire prepaid/escrow amounts had changed as did the plan for me to begin payments in XX/XX/XXXX.I moved forward with signing the paperwork ( with knowledge of my right to rescind ) and contacted the XXXX and her supervisor XXXX XXXX . Per the loan documents, the first payment was pushed back to XX/XX/XXXX ( without my notification or approval, resulting in additional interest prepaids being due at closing ), the 6 months of property tax escrows were moved to prepaids and 2 additional months of escrow were added. As a result of these last minute changes being made ( without my review, approval or notification ), the closing amount increased significantly to {$5100.00}. No clear explanation was given despite my speaking with the loan officer and her supervisor. I requested that they honor what had been offered to me. They continued to tell me how it was in my best interest to close the loan given the fact that rates had increased. I was offered {$450.00} off of the closing amount. I asked for them to fix the paperwork to reflect what I had agreed to and allow me to close prior to my rate lock expiration XX/XX/XXXX or to extend the rate lock x 2 weeks to allow time for their paperwork to be corrected. I reached out to the XXXX XXXX ( supervisor ) and requested that I be contacted regarding the plans for my loan. Absolutely no attempt was made by JG Wentworth to remedy this issue prior to loan rate expiration. It also appears that they have blocked  my access to the online portal containing all of my documents related to this loan. I was able to download the documents to substantiate my complaint prior to this action being taken.
I sent annual renewal documents to Navient for my Income Based Repayment Plan, and they sent me an acknowledgement upon receiving them. Then they failed to follow up with this,  completely ignoring the whole process. It is as though they don't have any obligation to their clients at all. It's been six months since I sent the renewal. 

My situation is pretty good : living in an expensive area so I can have a great job here, but unfortunately most of my income goes to rent. I still have the same position at the same employer so the IBR is the same as last year. 

As bad as this is, they did the same thing last year, I had to file another complaint with CFPB to get them to cooperate ( case # XXXX ). They finally made me whole and now they do it again. I had a similar problem the year before. They approved my IBR and completely ignored it that time as well.
On XX/XX/XXXX, Suntrust overdrew an account on which I had declined overdraft protection. The overdraft was caused by a hold being removed and then recharged. Suntrust reworked the order in which charges were approved to find a backdoor way of charging me an overdraft fee ; they reapplied 2 charges against my balance so that the charge which took me over was an ACH charge. I believe this is a systematic scam by Suntrust ( on top of the bank being generally deceptive about overdraft protection ) to punish customers who have declined their ridiculous overdraft protection. 
I gave Suntrust three separate opportunities to reverse their fraudulent charge and they have yet to do so. 
Beyond the horrendous customer service standard this incident portrays, I believe Suntrust is actively engaging in fraudulent activities which target low-balance bank accounts as well as customers who refuse their so-called overdraft protection.
I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being  treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. 
XXXX XXXX ( DUPLICATE ENTRY ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX
XXXX, Transunion, and XXXX all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in 2012 that none of these 3 XXXX companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ XXXX for XXXX or transunion.com that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.
I have a car financed with Honda Financial. I was working with an account manager to get my account caught up. I called in to advise him that the car was involved in a wreck. A sub told me he was on vacation, and I needed to get a personal loan. She also told me that I needed to pay the next day because they were looking for the car, and they would come get it. I was not aware that they were planning to get the car, so I told her I was going to put the car into the shop to get fixed first. 
XXXX weeks later, a repo man from XXXX XXXX XXXX shows up at the gym that I have been doing personal training at, and he watched the entire bootcamp workout. When I walked around to the front, he came to the front and approached me. He obviously found me on XXXX because he knew what I looked like, what time the boot camp started, and he approached me. He told me he was with Honda Finance, and I better give him the 2013 XXXX XXXX. He showed me papers from XXXX with a bulk of my personal information that could even be a result of Identity theft if someone choice to steal it or lose the paper work. He also stated out loud in front of customers, and other people affiliated with the gym that I was XXXX months past due and owed over {$1900.00} to them ( XXXX ). I told him XXXX knew where the car was, and He could not be with XXXX because his truck said XXXX XXXX XXXX. I told him he was not allowed in the gym, and would need to leave. He told me it was a public location, and I advised him he was not welcome there and do not come back. People come there to workout with memberships and he violated so many of my rights and privacy. When the owner started walking to the front, he started to leave. He told me he would wait outside for me. The car was not even at the gym because it was at the shop. He knew I would be there at XXXX to do the workout. Because he knew what I looked like, he decided to stalk me and the others in the gym. He claimed he was with Honda financial. All the paper work he had included my personal private information, which half of it he stated out loud, came from Honda financial.
This is not my Medical Account Debt. This was under my Dad 's medical insurance, and his Social Security #. Even though I was just XXXX on the day of service. My Dad 's Medical Insurance explained to me it was unlawful to use my Social Security # for Collections, because the medical clinic does not have my Social Security #. How and Why did the Collection agency have it and used it on my Consumer Credit Report? Same Medical Collection Amount did show on my Dad 's report and was paid in full.
This company " Dynamic Recovery Sollutions, LLC '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. 

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.
With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX.XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU
Midland Funding is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.
XXXX XXXX SOLD MY FRAUDULENT ACCOUNT TO ACCOUNT RECOVERY SERVICE AND WENT ON MY CREDIT WITHOUT VALIDATION, CALLED MY HUSBAND CELL 11 TIMES AND HAVE XXXX HARD INQUIRIES ON MY XXXX  CREDIT TREPORT. 

LASTLY, PAID XXXX XXXX I ERROR ANDREFUSED TO REFUND MONIES. XXXX XXXX ALSO, CALLED AND TRIED TO COLLECT SAME ACCOUNT. 

ALL OF YOU ARE IN VIOLATION OF THE DODD FRAN ACT. 

THERE ARE ATOTAL OF COLLECTIONS CLOWNS ON MY CREDIT, CALLED CELL, FAILED TO VALIDAATE DEBT, ALL ARE REPORTING ON ALL BUREAUS. 

YOU WILL BE SUED IN CLASS ACTION ALONG WITH THE OTHER CLOWNS AND U.S CELL.
At approximately XXXX on XXXX XXXX, 2016, an agent of FMS called me ( http : //www.fmsdc.com/ ). They said I was listed as a reference for a family member and needed my family member 's contact information. They said my family member gave them my contact information ( misrepresentation # 1 ). I asked if they were a collection agency and they refuse to confirm nor deny ( misrepresentation # 2 ). I asked to speak to a manager and I was told the manager 's name was XXXX XXXX. They gave me their mailing address which was different from their website address. According to the Fair Debt Collection Practices Act, FMS clearly had the intention to misrepresent to me they were an agency hiring my family member. When asked point blank if they were a collection agency they would not affirm. Their website is clearly a debt collection agency. This is not the first time the agency has called me requesting information. Additionaly, to note, I researched the company and the Former Governor of Maine, XXXX XXXX, has an interest in the parent company.
I'm a XXXX XXXX XXXX female who was offered a predatory loan of XXXX % with an inconsistent payoff amount in relation to the money I put down on the vehicle. In XXXX of XXXX I brought a used XXXX XXXX XXXX XXXX coupe from XXXX XXXX in XXXX. Within the first two weeks of purchasing the vehicle the engine belt had shredded. 

The first few months I paid over the amount that was due. Then, over the summer I was admitted to the hospital twice, causing a disruption in my entire income and job placement. My first stay at the hospital cost over XXXX dollars and I haven't received my statement for the second hospitalization. The bank, Santander USA, refuses to refinance the loan. 

I have tried to access my account online to download necessary documentation but their online system claims they don't have my social security number on file for me to access it. I have tried multiple times with my SSN and birth date.
XXXX XXXX ACCT. # XXXXMIDLAND FUNDING- ACCT. # XXXXThese are the XXXX debts that are also showing up on my acct. i need to know why they are there and the amount owed is so high
State Farm Bank refused to provide documentation and proof that this account belongs to me. I am requesting for State Farm Bank to remove and delete this account immediately from my credit report within four days.

I did not open an account with State Farm Bank.
In XXXX, I went XXXX and owed this company, which was discharged. The amount was XXXX, but they continue to add interest charges, until I went bankrupt, by then it was up to over XXXX. So could not use the credit card, which was closed. In XXXX, I married and have a different last name. This company sent me a new card with my new last name, different account. My husband was laid off work, which we had trouble paying our bills and I called and told them this. This company sold both my accounts ( the one discharged and the one under my current name to a debt collector. I paid the one in my current name with nothing owe. However, the debt collector is still sending me letters and reporting to credit unions, even though it was discharged in XXXX. They stated I open the card up in my old name in XXXX! The company would not let me do that! Help me!
I am a victim of identity theft that I believe occurred during a vacation in Florida where I lost my purse. I did not receive any money, goods, or services as a result of the identity theft. Since I have noted collections accounts for apartment leases and a utility bill. The credit agencies and creditors have refused to remove this information after multiple attempts to clear my report of these unlawfully gained accounts.
They are reporting negative history to my credit report for a debt they purchased from XXXX XXXX XXXX on XX/XX/XXXX. That debt was included in my Bankruptcy that was discharged in XX/XX/XXXX. It 's now showing up as a recent ( XX/XX/XXXX ) charge off. I called them directly and they referred me to their collection company XXXX to resolve an issue they never should have charged off. They never should have purchased it to begin with
This agency NCO FINANCIAL SYSTEMS is misrepresenting their company name, address and phone number.. when you call the XXXX number it really belongs to the XXXX. They are harrassing me with these different collection agencies because they can not collect on a debt that is not mine and was a result of Identity Theft which I am a victim of. XXXXXXXX was notified in XXXX 2015 that this account was a result of Identity Theft.They received all the necessary proofs via certified mail. In XXXX XXXX, 2015 I received a letter from a collection agency stating that this account was placed for collection and i must pay. On XXXX XXXX, 2015 I sent them via certified mail all necessary paperwork, theft report from FTC etc.they apparently turned around an sold the debt again to this NCO financial system because now on XXXX XXXX, 2015 I received yet again another collection letter from NCO indicating that I owe this debt. When I called the XXXX number that is on the letter, the representative " XXXX '' states that the company name is XXXX XXXX XXXX XXXX XXXX XXXX . How can this be if the letter has the address and name of NCO Financial Sysytems. Misrepresentation? And XXXX /XXXX was already sent the necessary legal paperwork indicating that this account has been a result of identity theft. Why are they still trying to collect on this debt? Another thing they also sent me the paperwork that was involved with the application process at the time of the theft occurance. The signature is not mine. I filled all necessary forms with ftc and police dept and have provided them with my notarized signature and they still try to collect. Why?
On XX/XX/XXXX I learned that Equifax allowed my personal data to be shared outside of their organization with nefarious hackers. Then they attempted as their resolution to the problem to provide me with a service that they supposedly sell to monitor my credit for only a year ..after that of course they 're going to charge me for it. The fact that their security was so lacks that they allowed my sensitive pii to be shared outside their organization was bad enough but the fact that their resolution to the problem is a money-making scheme is infuriating.
Purchased a boat trailer ( XXXX # XXXX ), title # XXXX on XX/XX/XXXX with a bill of sale, since title was apparently lost. The lien issuer on the title, once recovered is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. This bank was evidently acquired many years ago ( possibly in the XX/XX/XXXX 's ) and is supposedly operating under the name of Sun Trust Bank in XXXX, NC. The FDIC said the lien could be released, but apparently it is technically still in business, under the name of Sun Trust Bank. The DMV, whom I have approached numerous times, says they want the license tag back if I can not get a release of the lien on the title. Have had the trailer inspected by the License and theft bureau of the DMV. Have also, at the request of the DMV purchased an Indemnity Bond on the above trailer. I spoke to a manager of the said Sun Trust Bank in XXXX and while they said they would be happy to release the lien, Sun Trust had no connection to the XXXX XXXX XXXX that was once located in XXXX, NC. 

The original owners on the title are : XXXX XXXX XXXX and XXXX XXXX XXXX Now residing at : XXXX XXXX XXXX, XXXX, NC XXXX
My mortgage was sold to Carrington Mortgage Services by XXXX back in XXXX of 2015. Until that point I had always been on time with my mortgage payments. In XXXX of 2015 I became late on my payment after I made the payment on line but XXXX the account number by XXXX digit so the payment did not go through. I did not realize my error and evidently neither did Carrington because I did not get notified by them for more than 30 days and then my notification came by US Mail, not a courtesy email or phone call, although they had my email and phone number, but they used snail mail. By then I was over 30 days late so a credit report entry was made. To compound matters, they then took my XXXX payment which had been made during the waiting time and applied it to XXXX without telling me that is what they did, and subsequently my XXXX payment became over 30 days late of which I was also not notified in a timely manner, another credit report entry. No phone call, no email, just another XXXX Mail letter, way after I could do anything about it. I finally found out about the XXXX payment so I quickly reauthorized it on line to stop the cascading of late payments. The company has been absolutely un-caring about the situation and unwilling to work with me on it, even though I had obligated all of the money necessary to make all the payments on time and only by a random keystroke mistake was I even late in making the first payment. They also refuse to acknowledge that they share at least part of the responsibility since they took so long to notify me that my payment was late. I am searching for the correct state and federal agencies to work through to ensure this company gets the attention it deserves.