WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I took out a loan with CNAC finance XX/XX/2016. The payment is due twice a month ; the XXXX and the XXXX. We bank in another state and my wife employer does not offer direct deposit. The bank takes two business days to process a mobile deposit, which is the way my wife deposits her her check. Thus her payment might be a few days late. We explained this to the dealership when we got the car. They said this would not be a problem. 

Now the CNAC is calling us two or three times a day on the due date harassing us about the payment. I went in to have the oil changed at XXXX Byrider on the day the payment was due and the manager came out to the shop and began to question me about my payment in front of everyone in the shop. This was not only embarrassing, but also humiliating. I could understand if the payment was late, however that was not the case. 

Now to top it all off, they have called me and my wife a total of 5 times today to remind us that the payment is due. This has gone past harassment. I called them and asked them to cease and desist and if they need to contact me to contact me by mail only, and they refused.
XXXX / XXXX / XXXX  I get a call from family saying someone has been calling them threatening to bring a lawsuit against me and put liens on all my property but refused to give them anymore details but left a phone number. I get home today and call American mediation with this phone number (  XXXX  ) I received from my family.   I talked to someone there who said his name fast and did not want to repeat it. I asked what debt they were trying to sue me for and he claims its a   XXXX   XXXX   account. I told them I had not had an account with them in years and that must be statue of limitations. He lies and claims it was  XXXX . I asked him his name so my lawyer could be contacted he refused and said he would see me in court. I called   XXXX   XXXX   and they confirmed it was past statute of limitations. This company is obviously out to defraud seniors and anyone else they can.
Per the Fair Credit Reporting Act, I have made multiple requests to Trans Union to validate information reported on my credit report and to provide me with copies of any documentation associated with the information reported in the entry reflected on my credit report. Each time Trans Union responds with the statement verified and updated. They have neglected to the validate information reported on my credit report and to provide me with copies of any and all documentation associated with reported information. With each request, the information reported is updated to simply change inconsistences and to re-age the account as of the date of the request. Each time these changes are made, my credit score is lowered significantly by the re-aging. 

As of this date, Trans Union/XXXX continue to report unverified, unvalidated, inaccurate and, inconsistent information on my credit report. 

Below are a few examples of the inclusion of unverified, unvalidated, inaccurate, inconsistent information on my credit report with Trans Union ( evidence is enclosed for your reference ) : 1. XX/XX/XXXX : The account shows closed on XXXX as a charge-off with a balance of {$10000.00}. ( Exhibit A ) 2. XX/XX/XXXX : The account is reporting payments made in XXXX and XXXX which re-aged the account. ( Exhibit B ) 3. XX/XX/XXXX : A remark was added Charged off as bad debt Profit and loss write-off. ( Exhibit C ) 4. XX/XX/XXXX : The account shows closed XXXX with a balance of {$12000.00}. ( Exhibit D ) 5. XXXX, XXXX : Per XXXX XXXX, Trans Union is reporting that the account was late one month ago which would be XX/XX/XXXX ( re-aging the account ). ( Exhibit E ) 6. XX/XX/XXXX : The account was updated to reflect the account was closed XXXX ( which again re-aged the account ) with a balance of {$12000.00}. NOTE : The ratings chart associated with the account on the same date contradicts that information by showing that that the account was charged of XX/XX/XXXX. ( Exhibit F ) 7. XX/XX/XXXX : Status continues to report closed as of XXXX, XXXX. ( Exhibit G ) After receiving the response to my most recent request from Trans Union in XX/XX/XXXX, on XX/XX/XXXX I called Trans Union to discuss this matter and spoke with their representative named XXXX XXXX. I pointed out examples of the unverified, inaccurate and, inconsistent information being reported. XXXX XXXX acknowledged that the information was at the very least contradictory and inconsistent. The only resolution that he was able to offer me was to file a dispute AGAIN. I explained that I have filed multiple disputes to no avail.
I have called several times to Transunion,  XXXX , and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off. Transunion,  XXXX , and  XXXX  all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.
I went through a short-sale on a home back in 2011. Upon recently trying to get approval on a mortgage for a new home, I found that the secondary mortgage ( CitiMortgage ) reported the sale to the credit bureaus as a foreclosure. The primary lender ( XXXX ) reported the sale correctly as a short-sale. I have made multiple attempts to contact a representative at CitiMortgage without any progress towards resolution. I was told, in my last communication with them, that they would not submit a change to the credit bureaus to code it correctly as a short-sale. I have all of the documentation proving that a short-sale was executed, from both lenders involved.
I was with Nation wide bi weekly program and i have got XXXX notices over the weekend saying that my account is temp suspended. I tried to call I want to make sure they have my extra payment that is supposed to go to my house now on XXXX XXXX and no one will answer they say they are having technical difficulties.
I have received continuous calls from '' Transworld ''. They will not tell me WHY they are calling. They only want verification of my personal info. I 've asked them not to call unless they tell me who they are and why they are calling.
We were approved for a mortgage. All the necessary deposits were made. All necessary information was given to the mortgage company. The day of settlement, just hours before we were to sign the papers, the mortgage company backed out. Leaving us with only a week to find somewhere to live. There explanation was that we had a late payment due to me being laid off for 9 months in 2013. Why can a lender do this just hours before settlement.
I am writing to expose the misconduct and unexplainable behaviors of Equifax. Both my wife and I had are personal information compromised over a month ago and are just learning about this security breach in early XXXX. This is unacceptable and has put our livelihood and safety at stake. I sincerely hope strong actions are taken against this reprehensible organization and its officers. 

Regards, XXXX XXXX
IN XX/XX/2017 AMEX FRAUDULENTLY RAN MY CREDIT WITHOUT MY PERMISSION. I RECEIVED A LETTER FROM AMEX A FEW MONTHS LATER SAYING THEY WOULD SUPPRESS THE CREDIT INQUIRY, BUT THE INQUIRY STILL REMAINS ON MY CREDIT REPORT.
GMAC has erroneously reported auto lease information to credit reporting agencies. I contacted them once and the reporting stopped for four years and now they have begun reporting negative information again. The company states that there was a charge off when in fact the vehicle was returned in a timely fashion under a lease and the account was satisfied in full. No additional monies were owed to them. Legally inexplicably GMAC created a deficiency dollar amount and reported it to credit agencies. I disputed this issue four years ago and it disappeared from my report for a period of four years. 
Ultimately the CREDITOR RESET THE REPORTING TIMELINE AND ATTEMPTED TO MAKE IT RUN ANEW AND LENGTHEN IT. The trade line and expiration date has been fraudulently readjusted by the creditor GMAC. It potentially could be linked to GMAC 's release from the federal government 's loans and control over the creditor GMAC. In other words GMAC upon release from the US Government became a rogue elephant creditor engaging in fraudulent activities with former purchasers of their products and services.
I disputed a record on my report and asked that in the verification they include how the item was verified, the name of the person that verified the item, etc. This was done twice and both times the information was not provided.
I am a small business owner in XXXX, NY and I would like to ask for your help resolving the issue with PayPal. 
I am in the business of selling XXXX XXXX XXXX XXXX and XXXX. I run the website XXXX. I have been in this business for over 6 years and this is the first time I am incurring such an act of a complete disregard to its professional duties and disrespect to its customers from PayPal.

I sold quite a few custom made XXXX to the XXXX competing in XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. The nature and conditions of this process is that the customer must provide all their measurements and indicate every detail if their XXXX  is to be different from what is presented on our website. This is a pretty smooth process and we explain the routine upfront. 
However, there was an exception. Mrs. XXXX has ordered a XXXX  for her daughter, a young XXXX XXXX. This XXXX was made exactly how she originally indicated. However, upon receiving the XXXX Mrs. XXXX expressed the displeasure, saying that the XXXX XXXX was not of the tone she was hoping it would be. After we were unable to come to the amicable solution Ive suggested to involve PayPal since that was Mrs. XXXX method of payment. 
PayPal asked me to submit the evidence which I did ( please see the package attached ). I was dealing with PayPal but after a few month, after freezing my funds, PayPal informed me that all they did was to forward the information I submitted to buyers financial institution and of course buyers financial institution ruled in buyers favor. 
I made a few attempts to get the information of the buyers financial institution from PayPal to take them to small claims court but PayPal refused. I made a couple of attempts to sue PayPal in the small claims court of XXXX County, NY but the demand letters I send to both PayPals New York and California addresses were returned back to me as refused. 
PayPal was supposed to be a mediator between the buyer and I. They were supposed to conduct the investigation and arrive to the fair solution. Instead it simply forwarded information to the buyers financial institution. It appears the buyers financial institution is acting as judge, jury and executioner having apparently reviewed the case and sided with the buyer, and PayPal is acting like victim in the middle and saying they have to honor the chargeback. 
Chargeback is a voluntary banking scheme to protect debit card transactions in the event that a trader breaches a contract. If a bank decides that the customer has a case and reverses the payment, the trader has the chance to appeal. In my case that chance was never given to me! 
In my case buyer never returned the XXXX and never had an intention on doing so! She wanted the XXXX for free and because of XXXX luck of involvement and protection of the buyer she got it! The fact that the buyer did not return the XXXX, or raise a formal complaint via PayPal, should have been evidence against her claim, but PayPal prefers not to notice it. 
Please help me to get my money from PayPal or help me to get PayPal to the small claims court. 
Thank you in advance and best regards, XXXX XXXX
In XXXX of 2007 we purchased our house and after further review our house and garage has XXXX layers of shingles on them. Per XXXX NY, there 's only suppose to be XXXX layers of shingles at any time making the home inspection in violation of XXXX code. Our garage and house are in need of new roofs.
As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.
Never notified of any debt from XXXX XXXX XXXX . They Sent bill to collections phoenix Recovery group, showed up on my credit. I personally went and spoke to that apt . complex where I was told there is No contract. There is also no history of me ever living there!
We have a 0 % introductory amount owing to Bank of America as well as an interest accruing amount. Bank of America is applying our payments to the interest free amount rather than the interest accruing amount. Is n't this a violation of the law signed by Obama in 2009?
I took a payday loan out from a company here in XXXX XXXX, Louisiana ... XXXX XXXX XXXX  is the company 's name ... I have been paying on this loan for a little over 2 years ..I first took a payday loan out for $ XXXX..After paying for a while, they told me I could extend it to {$500.00} ... I have been paying {$95.00} in fees for about 2 years now on a {$500.00} loan ... Spoke with company today to try and get on a payment plan for about 4 months to repay this and they told me it would cost me {$250.00} for the first month and {$350.00} for the second month ... If I could afford this, I would pay this off, but I can't ... They will not put my payments lower because they said it was a consumer loan ... I then told them they did not tell me it was that type of loan and I didn't know what that was anyway ... They said there was nothing they could do, that they were not working when loan originated ... Please help
COMPLAINT AGAINST : XXXX XXXX XXXX XXXX XXXX, XXXX, WI. 

Great Lakes are the servicer for six XXXX federal student loans in my name, taken out between XXXX and XXXX, and two XXXX  federal student loans in my name, taken out in the summer of XXXX. 

Since XX/XX/XXXX, I have been in monthly contact with Great Lakes regarding discrepancies in my balances for which they can not ( or have not ) account. 

In early XX/XX/XXXX, I noticed the balance on one of my XXXX  loans, token XXXX, had changed, so that the principal amount had reduced from {$21000.00} to {$20000.00} ( the original amount borrowed ), and the interest balance shot up from around {$240.00} to {$1200.00}. 

I first called Great Lakes on XX/XX/XXXX. I was told my account was under review and I would have to check back later in the month. Several times over the course of XXXX, I called back to investigate this, and I was told each time that Great Lakes had " corrected an error, '' but they could not provide me with any further detail. 

Between XXXX and today ( XXXX XXXX ), I have made {$1900.00} in payments to the loan account containing token XXXX, overpaying each month by an average of $ 400- {$500.00}. I had instructed Great Lakes to apply any excess amounts to token XXXX. By my calculations, I had reduced the {$1200.00} interest balance on token XXXX by {$940.00} as of XX/XX/XXXX. 

Yesterday, I checked my Great Lakes online account to see that the principal balance of token XXXX had returned to {$21000.00}, and that the interest balance remained at {$220.00}. My overall principal balance had increased by {$830.00}, without explanation or notice. 

I called Great Lakes today, XX/XX/XXXX, and spoke with XXXX, who told me that all of their records from XX/XX/XXXX onwards list my principal balance as the higher number. 

I have payment records from Great Lakes issued between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that directly contradict this statement. I feel Great Lakes are being fraudulent as regards the amount I owe, and I believe they have retroactively altered their records to support this predatory conclusion. I am deeply troubled that this company apparently has the authority to alter my total principal balance ( either increasing it or decreasing it ) without my knowledge, consent, or, apparently, any regulatory oversight.
I submitted a complaint earlier and after waiting over a month I got a response and talked with a XXXX XXXX XXXX and he informed me that Bayview screwed up the repayment plan. I was then told on the XX/XX/XXXX that they had put a response on the Vice Presidents desk who was out of the Country probably conducting more illegal business for Bayview and that a decision to waive a payment and bring the account current was going to be done. Then two days later I get a Notice of Default and Intent to Accelerate notice in the mail after XXXX told me that since Bayview screwed up the figures and breached the contract. Bayview is nothing more than a fraud and illegal business practice and maybe somebody at this company should advise the Government to overtake this loan company and get people in prison and correct the problems.
My mortgage loan with Bank of America was first a fha loan now it is a conventional loan which I have not signed any documents changing my loan or spouse. I have request for information on changes to my mortgage loan and I have been getting the no response! Bank of America Mortgage has in copy & past signatures before robot signatures me and spouse.
The mortgage lender XXXX XXXX payments and processes division started an internal process to adjust past payments made on the loan. According to XXXX XXXX this started on XX/XX/XXXX. XXXX XXXX put the full balance of payments in suspense triggering multiple phone calls to me stating my loan was past due 6 months. According to XXXX XXXX 's own statements provided to me they show the loan has always been paid in full on the XXXX of each month. 

After 2 more phone calls with managers I was told the payments and processes division was completing the transfer of the money that was in suspense and the account would accurately show it was paid in full. As of XX/XX/XXXX XXXX XXXX miscalculated the amount in suspense by an entire months payment ( XX/XX/XXXX ) thus causing the automatic billing/paymenet for XX/XX/XXXX not to process. 

Currently the account still shows past due and XXXX XXXX has stopped the automatic billing. 

This issue seems to be linked to the original violation Harbor One Mortgage made in selling this loan to 3 debt collectors. Harbor One Mortgage addressed the violation and ensured me the loan would only be serviced by XXXX XXXX.
XXXX XXXX lease was At the end of my lease of 39 months. I called and extended my lease for 6 months and was told me it was month to month and i can turn it in any time and pay for keep making payments as i go along. Well 3 months later my wife and i decided to cut our cost so called and asked for end of lease inspection and since i made payment for following month i asked them to to hold that payment for lease turn in fees. So after run around to get lease inspection took them two weeks due third party company over booked. After calling and keeping them updated about the inspection and making sure my payment will go towards the turn in fee and not another month of payment. They confirmed me that information couple times that will once finale bill is posted and will take a month. Got my last bill shows i owe {$350.00} for lease end fee. So I called told them i have paid them {$500.00} for month that I did n't have the car was turned was told by their staff that it will go towards my lease turn in bill they claimed they did n't have any notes of such. My lease was on month to month and they took my payment even when my car was turned in.
In XXXX XXXX 2017, I logged into my bank account to see about {$500.00} missing for transactions I did not make. I called Citizen 's to find out that someone had stolen my debit card information to purchase theme park tickets, movie tickets and more. They finally agreed to refund my money for these transactions, which took about a week, remind you, i did n't make these transactions, so why it took a week to get my own moeny back amazes me. Fast forward this SATURDAY in XX/XX/XXXX, I get a letter stating that citizen 's bank has decided one of the transactions in XX/XX/XXXX was VALID, and that they will deduct {$200.00} my account to pay back the vendor which is a theme park in Texas called XXXX XXXX XXXX. I live in CT. I 've never been to Texas. the documentation shows my name & agree, but an incorrect email address and the THIEVES names on all of the tickets! NOT MY NAME! I call up Citizen 's to be told, " well we sent you a letter and you never responded, so we can not help you. ". I kindly told them I did not receive ANY letter until this one, and this is NOT my transaction nor will pay for someone who committed an illegal act. XXXX XXXX from the eletronic banking department has told me 3 times now, including raising his voice at me, that THEY WILL NOT HELP MEm AND THIS TRANSACTION IS VALID! So again, let 's recap. I live in Ct, I 've never been to Texas nor do i know anyone in Texas. I 'm also XXXX. They 're telling me that this transaction is compltely valid and that i have to pay for these criminals to go to a theme park now. I asked how they protected me, as their client, in this situation.. " well the theme park has rights too. '' Fabulous, thank you so much Citizen 's Bank for once again screaming over your customer.
I need your assistance in removing a disputed account on my credit reports from : XXXX, XXXX, and XXXX. I have no idea about this account ; and I sure don'thave a written contract with the said original creditor, XXXX XXXX . Its having a negative affect on my overall credit score. 

Reporting Company reference : Pinnacle Credit Services ; XXXX. XXXX XXXX ; XXXX, MN.XXXX. 
Tel : ( XXXX ) XXXXXXXXOriginal Amount : {$250.00} dollarsWould you please have them to remove this from my credit reports. 

Thanking you in advance!
XXXX XXXX co founder of Rush card has been security has been breached. ... .I have not had access to my bank account for 3 days and my debit card is not deactivate and I ca n't get anyone on their phone. ... on hold for hours ... ..look at rush card XXXX and XXXX to see XXXX of angry customers ... ....
I had an installment loan wit h Conn 's that I ended up paying off early. I contacted Conn 's  on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX   to find out where my refund check was as I had overpaid. The customer service representative, told me on both occasions that they sent a message to the credit department as they were the ones that had to contact me. On the second occasion, the customer service representative told me that it w as Conn 's policy to ap ply the refund amount to other existing loans, if applicable. I specifically requested for a copy of that policy but never received it.
Only wish to pay for purchases and my bank tried to help by sending what I wed asking them to close account which they have n't done but continue to accumulate late fees.
They keep calling me from XXXX and they say it is about a personal matter. I ask them what it is in reference to and they say after they verify that this is the correct person they will tell me what it is about. They are a debt collector but do not identify themselves as such. According to federal law if they are a debt collector they must identify themselves as such. Please see attached documents to show that this number is flagged as spam and telemarketer and debt collector.
I have a foreclosure sale date scheduled for XX/XX/2018. I had submitted my offer to the bank for a short sale. When i phoned my lender they stated that i can submit the offer if i want to, but they doubt if they will be able to review it in time to postpone the foreclosure sale. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal. A fair resolution to me, would be for the bank to consider my offer and accept it so that i can move forward with my life. I am stressed out and worried over being put out of my home, but i know that this is my situation and i am trying to bring it to a reasonable resolution.