WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan on XX/XX/2015 with XXXX XXXX in XXXX, Illinois. The total amount financed was {$21000.00}. After moving to XXXX I went to another XXXX car dealership in XXXX, NY to request to trade in the vehicle. The representative at this dealership noticed that the loan was overvalued. I am XXXX speaking and had applied for the car loan but was not provided with verbal information or written documents in my native language. After reviewing the loan contract with a financial coach, we identified two supplementary insurance packages added to the loan which has increased the cost of the loan and impacted my ability to pay. The Gap Care Advantage package was added to the loan for a value of {$590.00} and Autoguard was added to the loan for a total of {$1800.00}. I did not consent to these insurance packages. I also noticed a discrepancy in that contract that states the cash down payment was {$3500.00}, however the receipt given to me on the date I took out the loan was for a cash down payment of {$2000.00}. I requested a cancellation of both supplementary insurance packages. I have only received a response from Auto Guard for a partial refund of {$280.00}. The entire cost was {$590.00} and I never consented to the purchase of it. In addition to the dollar value of the insurance, because it was added to the loan, I have also been paying interest on top of the original value. The refund was sent to the car dealer by the insurance company but the car dealer has not provided any information regarding the refund of this insurance. I have called the car dealer on many times and they say they will call back but they never do. I have not received any response regarding the refund of the other insurance package valued at {$1800.00} plus interest on the loan. They also told me that after 6 months of payment, my interest payment would be automatically reduced to 2.99 %. At the time I asked the representative at XXXX to write this down for me and she said she could not, but I could write it down on her business card. Because the car dealership was not providing the financing themselves, they should not have provided me with an offer they had no control over and couldn't execute. They also told me that my payment would be $ XXXX monthly but it ended up being {$330.00}. When I went back to inquire they said it would be reduced after 6 months. When I returned after 6 months they denied making this assertion. I requested to speak with the representative who originally made this offer but they said that person is no longer at the company.
My mortgage processor with USAA, XXXX XXXX XXXX emailed a completed VA form with my social security number, date of birth, full name and address prefilled on the form without any read protections or encryption since she felt it would be faster than using USAA 's encrypted banking website to send the form. USAA 's own internal company policy prohibits emailing of any mortgage forms because of the risk of identity theft ( as stated to me by another representative earlier in the mortgage process when I requested a loan pre-qualification letter ). Despite XXXX XXXX claims to the opposite, the email was not encrypted and she feigned ignorance of how encrypted emails work by stating that USAA 's networks are encrypted and thus all emails are as well. Her deliberate act to email a VA form with my personally identifiable information ( PII ) via an unsecure email without any document protections ( such as requiring a password to open the file ) has exposed me to the potential for identity theft now. 

Beyond this issue, throughout the mortgage process USAA refused to honor my wishes to contact me by telephone instead of by email, causing delays in providing documentation. USAA also failed to explain the process in which mortgage officers are appointed and how you may not have the same officer if you have to cancel XXXX application and begin another. The quality of the mortgage officers varies widely with some apparently completely unable to read a customer profile ( I am not married, but XXXX XXXX insisted I was XXXX and asking to have a new officer assigned becomes an adversarial event between the customer and a manager. Management of these officers is similarly terrible with promises not being followed up on or even phone calls returned requesting help. 

I do not intend on ever using USAA for future mortgages and I would not recommend them to anyone either.
I had a private student loan with XXXX now known as navient. When I was struggling to repay my student loan due to unemployment with no income they gave me little room for referral or chances to pay the money back. They went after my consigned and negatively affected their credit score even while I was paying them as often as I could. They would not allow any kind of deferment due to hardship and when I was back on my feet they had already sent my account to collections with no warning to haggle my entire family. This has caused a lot of financial issues stemming from a loan to help further my education.
When pulling a copy of my Equifax, XXXX, and XXXX Report online I saw where there was a public record reporting negatively against me. I have a copy of a letter from the clerk of courts in XXXX County from the XXXX where this judgement is indeed an error and does not pertain to me. This lien clearly states that this lien is against a different tax payer and not me. With this letter I was able to dispute the public record off of my XXXX and XXXX credit reports with no problem. For some reason Equifax is giving me a hard time and will not remove this inaccurate information from my report. This public record is a false derogatory account that is affecting my credit score. I am in the process of attempting to use my credit. 
* I submitted a dispute to Equifax on XXXX/XXXX/2016 *I submitted a dispute to Equifax and to XXXX County Clerk of Courts on XXXX/XXXX/2016 * I submitted a dispute to XXXX County Clerk of Courts on * I submitted a dispute to the Consumer Financial Protection Bureau on XXXX/XXXX/2016 * now I am submitting a dispute as of XXXX/XXXX/2016 I am hoping that this agency is able to get his matter resolved I have spent lots of hours dealing with this and typing out all of these dispute letters. 

Thank you.
I 'm XXXX years old, XXXX and live on social security. I have contacted Navient student loans with prove of income and XXXX they continue to ignore me. I have filled out 18 documents, sent 18 letters, social security has sent prove of income. I live below povetity. Navient student loans harasses me continually no one reads documents sent or listen to me. My loan is 17 years old they keep raising the amount of orginal loan and raised now to {$70000.00} dollars. I 'm unable to pay this I only get {$900.00} a month to live on. I 'm struggling just to keep roof over my head. I may be homeless anytime due to not being able to make bills paid due to high medical and medicine. I have tried continually to work with these people and they continue to ignore my letters for help. I owe no property and am a widow alone no where to go for help.
very " simple '' situation. XXXX XXXX refused to change mailing address, kept sending it to old address, in spite of notification of COA by mail, telephone & online. So then, since they could not get the statement to me, I closed acct. that took weeks, instead of a few minutes.. the " late '' charges are because they would not get the billing statement to the current/correct mailing address. 
I think the problem lies not in billing /accounting, but in customer service procedures. We still shop there, as they are handy. The problem is not with local stores, but headquarters.
I received a phone call from XXXX from XXXX, ext XXXX. He left a vm message stating it was an attempt to collect a debt. I returned phone call. The collector stated that he was collecting a debt from XXXX from 2008 in the amount of {$210.00}. I have never received a letter or anything regarding this debt, and then 7 years later a phone call to collect the debt that 's clearly outside of Georgia Statue. I have not received any documentation, letters or correspondence from the apartment complex and 7 years later. This debt is bogus and I advised him to not call me again. He refused and stated it had to be in writing. Well, I never received a letter to dispute the bill initially ...
PennyMac has a responsibility to pay consumers Property Taxes on a timely basis. 

After reviewing our Mortgage Interest Statement ( Form XXXX ) for XXXX I noted a large shortfall in Real Estate Taxes paid. After speaking with two senior supervisors at PennyMac I was told the taxes are paid by a third party tax service ( XXXX ) and two of the four taxing entities rejected the tax payment for XXXX. 

I 've been dealing with the same taxing entities for over 25 years and to the best of my knowledge my mortgage companies have NEVER had a tax payment rejected! 

PennyMac made absolutely NO effort to contact me and review the issues of rejected tax payments until I contacted them in XXXX of XXXX. PennyMac also told me they would not send me a corrected Form XXXX given tax disbursements were not made in XXXX. 

They stated the shortfall would be made up in XXXX. PennyMac 's failure to pay our property taxes may cause us to loose a significant tax deduction for XXXX. 

POOR customer service and FAILURE to pay taxes on a timely basis!!!
I have a care loan through Santander from 2013. I applied and was granted XXXX extensions on the account. However, they did not honor the extensions and reported that I was late. Since, I have appeared to be at least 60 days late! I have done a dispute via credit bureaus. I sent in the copies of the extensions and Santander " fixed '' a couple of months. Only to report badly and inaccurately again. After speaking to someone, countless times, I finally got a representative who told me that they only offer a certain amount of extensions. I informed this person that I DID NOT have that many extensions and her response was, " well, we count two at a time. '' I have tried to trade in the care hoping that leaving the company would help but since they are reporting that I am late, NO company will finance me. The end result of this was some concierge service selling my information to people and they kept doing hard inquiries for the care which damaged my credit score as well. I am financially responsible, as my credit cards and personal loans show my payment history is current. I need help and I have no idea what else to do. I have hired a law firm to help with this manner and they helped during the " dispute '' process that I mentioned earlier but the ill reporting started again. I am afraid to even make a payments as she told me once I make a payment, it will still show that I owe 2 months. The reps ' idea to remedying the problem was to make 1.5 payments each time. This ca n't be accurate. Each rep tells me something different. My car has been " assigned '' to repossession several times. These " people '' lurk and knock on my door threating to take my car at all times of the night. My car was even taken from a parking lot when the car was up to date. I hate to pat $ 100+ to get my car from an AUCTION. The second problem is that the amount on the car has not changed/does not indicate payments since I purchased the care 3 years ago!! It still shows {$13000.00} since day 1 of the loan. Please help me! I do n't know what else to do.
Case number XXXX, my home was modified inXX/XX/XXXX through XXXX XXXX XXXX after five years of trying to get a modification. With the help of the attorney general for the state of California, consumer financial protection bureau and veteran affairs, I finally received my modification. When I signed the original paperwork for the modification, I read that my house payment would be {$2800.00} that included taxes and fire insurance through an impound account at 2 % for the life of the loan. Currently my house payment is {$3400.00}. Which is a difference of {$540.00} a month or {$6500.00} a year. I 'm making the same money that I was making in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XXXX. I make roughly {$110000.00} a year. I 'm having trouble making ends meet. <P/>After five years of trying to get my home modified because of the lies that countrywide mortgage told me and then XXXX XXXX XXXX ; trust me, I experience XXXX even while writing this letter asking for help. <P/>My loan was sold to Nationstar mortgage a few months after the modification took place. I contacted nationstar to ask for help and they said they could not do anything for me. The problem is, is that when XXXX XXXX XXXX modified the loan, the state of California demanded that they forgive the second loan on my house because of the fraud. I have since taken out a second to repair the rest of the house and get all the repairs done that needed to be done in XXXX when I bought the house. So now I 'm paying for the second as well. If I were to sell the house now I would lose all the money I put into this house. For example, I paid {$680000.00} for the house. I started the remodel as this was a house that I thought I could afford according to XXXX and XXXX XXXX XXXX. The house had no floors, a working kitchen and only one bathroom that worked. I took out a {$170000.00} to get these issues and the swimming pool fixed as it was leaking a lot of water. All of these issues were documented in my first complaint in XXXX. The houses in this market as of this date XX/XX/XXXX is $ {$860000.00}. As you can see, XXXX plus {$170000.00} equals {$850000.00}. I 'm coming out with {$11000.00}. However I have not included realtors fees or closing cost. I 'm actually losing in excess of {$52000.00} in a house that I have paid for, for 13 years. <P/>Please help me get this house modified as this is the house I would like to stay in for the rest of my life. <P/>Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX XXXX
Loan xxxxxxxxx. I am a XXXX XXXX XXXX military veteran. 
Texas and XXXX XXXX provide a tax benefit to veterans on their home, homestead, etc. My loan was acquired by pennymac around XXXX XXXX. I have been fighting with them since then to add my exemption around XXXX. Ever since XXXX has taken the loan I have been unable to get the exemption and XXXX has now sent me a letter saying that my escrow is low and they want more money from me.
I had phone service through XXXX and I changed phone carriers to XXXX-XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with XXXX   XXXX XXXX.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted XXXX XXXX and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX  took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both XXXX and Experian.
Chase bank allowed an unauthorized withdrawl from a 3rd party representing themselves as me of over {$6500.00} from my checking accounts despite multiple egregious and obvious errors in documentation ( deposit slip had XXXX different misspellings of my name, transaction occurred in a state which I have never banked ). Furthermore, despite an initial attempt that was thwarted ( a bank associate attempted to contact me but it was days before my wedding so i was unavailable ) but failed to make any notation of the account and the 3rd party went to a separate branch and completed the transaction. Chase refused to initiate an investigation until I signed an affadavit ( which delayed the start 3 days as I was again getting married and not near a chase branch ) and has gone 12 business days with no contact or action ( despite a claim of an already absurd 10 business day turn around ). Chase 's verification and consumer protection processes in the branches are clearly insufficient and create significant risk to consumers. Furthermore, Chase expects customers to be able to absorb a financial impact of this size for a period of nearly a month with no recognition of the impact on their day to day lives a loss or communication as to the status of the claim along the way.
XXXX had XXXX cable service I installed the service XX/XX/2013 Returned Equipment on XX/XX/2013 Balance XXXX say I owe but they charged me for service 2 month after Return cable boxes, which means I was not provide any service and should n't have the XXXX months plus I was charge for none service I have paid them more than XXXX plus dollars and the show a balance of {$690.00} and the turned over to collection and the balance is with XXXX {$820.00} and the on my credit report is at {$830.00} XXXX different numbers and is causing me great harm, If given credit for XXXX mouths charged plus I would n't old nothing if I give proper credit and credit for what I paid to XXXX and why is there XXXX amounts due
I am a victim of ID theft. My personal information was compromised several years ago. I have constantly sent information to each credit reporting agency so they can block the inaccurate information from being on my report to no avail. I've filed a FTC report, police report, affidavits and etc. The information continues to be reported inaccurately.
They continuously call even after i have spoke with them to tell them we will be in and i have ask them not to contact me at this number yet they still do. They call several times a day even if the payment is one day late. They are very rude and forcefull when they call.
On XXXX/XXXX/XXXX I applied for a credit line increase on my Capital One card. I received a letter from Capital One that states they are unable to increase my credit line right now due to my credit score. On the disclosure it states that my credit score was pulled on XXXX/XXXX/XXXX which is more than 90 days ago. I called in and spoke with a customer service representative who told me that if that was n't my score I needed to dispute it with XXXX. I explained to the customer service rep ( XXXX ) that I am aware through prior conversations that Capital One only does soft inquiries every 45-60 days or so, but it takes some time for it to populate to the credit line increase system. I was looking to find out when the next set of scores were going to populate as my Capital One Credit Tracker service has shown since XXXX my credit score has gone up allot and I believe based on my current credit scores that I would qualify for an increase. He told me that my billing cycle is every month on the XXXX. At this point, he clearly did not understand what I was asking so I asked to speak to a manager ( XXXX ID # XXXX ) who I explained the same thing to. He told me that on the letter there is a number for Equifax that I can call to dispute my credit score at. I again stated " Your letter says CAPITAL ONE obtained my fico score on XXXX/XXXX/XXXX that was more than 90 days before I applied for the increase, I already have a copy of my updated score and it has gone up significantly, I would like to know on what day your system is going to update '' he responded that it depended on my dispute. At this point I was frustrated with his lack of knowledge, being a manager and not knowing basic Capital One policies is unacceptable to me as a client. It really does n't give me comfort knowing that a manager at capital one doesnt understand what I am asking or have any idea what I am talking about.
On XXXX/XXXX/XXXX I faxed a letter to TransUnion because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX 2.  XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX  XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX On XXXX/XXXX/XXXX I faxed an additional letter to TransUnion because I noticed unauthorized and fraudulent credit inquiries made by 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. <P/>On XXXX/XXXX/XXXX I received a standard form letter stating why companies access credit information. <P/>On XXXX/XXXX/XXXX I faxed another letter requesting validation and documentation.
supossedly I was sent a text message from an attorney telling me that if I did n't pay XXXX via money gram I would be arrested they said I owed money to a company called XXXX but I was lied to and do not owe any money to them what so ever
Disputed bankruptcy, no dispute was placed on the credit report or was it removed, after 30 days still not reported as disputed. All other credit companies have removed said bankruptcy.
Had a contract with XXXX.wasnt happy with service.wanted to go back to XXXX.XXXX said they would pay termination fee, and they did! XXXX said we owed more which we did n't.
I found out in the news ( X/X/2017 ), 2 months after the alleged security breach took place with Equifax, that 143 million Americans ' information might have been compromised. This included SSN, DOB, credit card info, and other personal identifying information. I checked the Equifax site and was told it was likely my information was exposed. 

I was not notified by the company, but instead had to go look for the information myself. 

The breach is inexcusable and places my identity and credit at risk. 

I have since tried to freeze my credit with Equifax, but found out that anyone with certain information ( ie SSN ) could unfreeze my credit with Equifax. This is beyond the pale of incompetence.