WillisBack/dataset-financial-user-claim huggingface dataset:
I have a car loan with Fifth Third Bank and they do n't allow you to make payments online so I have to mail by check. I will send the mail a week before it was due and they wo n't cash it till 2 weeks later. Well this month I missed one payment and they repossessed my car. And I already sent the payment that I missed and the current one this month. They now want to charge me XXXX in repo fees and the XXXX payments will go towards that and I will still owe my payment for this month on top of the towing and storage fees. I just do n't understand how the repo fees are this much when my late monthly payment is XXXX. I hear a lot of the same problems with people having their car repossessed when they made payments they just posted them late. And when I called them they did n't tell me about the repo fees and were fine with me paying the payment that was late and the current payment then when my husband called they said we owed XXXX. On top of that they did n't contact us at all and they said they sent a letter in the mail but we never gotten it. If we knew this was happening we would have done expedite shipping right away
Weds XXXX XXXX, I received a notice in the mail from University XXXX ( XXXX ) in conjunction with Recovery Management Services , Inc ( RMS ) claiming I owed {$150.00} in citations from XXXX and a threat to suspend vehicle registration. At this point, the issue is almost comical to me if it were n't for the sheer abysmal failure of XXXX 's Parking and Transportation Services to do any due diligence or record maintenance over the last three years. The issue had been addressed in XXXX, and I, XXXX XXXX XXXX, have not owned the vehicle since XXXX/XXXX/XXXX. Here is the sequence of events as I understand them in my research : XXXX XXXX XXXX receives a Lease End Notice XXXX/XXXX/XXXX from XXXX XXXX XXXX is turned in by XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX on XXXX/XXXX/XXXX According to XXXX and XXXX Bank car was sold to college aged student on XXXX XXXX, XXXX According to the XXXX DMV record search title was processed and transferred to new party on XXXX/XXXX/XXXX ( Title XXXX was processed on XXXX/XXXX/XXXX ) City of XXXX XXXX tries to bill XXXX XXXX XXXX for Ticket XXXX on XXXX/XXXX/XXXX XXXX, XXXX, and the City of XXXX XXXX ( spoke with XXXX XXXX/XXXX/XXXX ) validate that XXXX XXXX XXXX is not the owner of the vehicle during the violation period and indemnifies him from any further action University XXXX XXXX XXXX Falsely files a first notice of citation payment due with XXXX XXXX XXXX, Account Number : XXXX Citation Numbers : XXXX, XXXX, XXXX and Contracts RMS to service the collection of this False Debt ( RMS was not mentioned in the e-mail, or in the letter from XXXX, i.e. XXXX sold this to a collection agency prior to any due date mentioned in the original form letter ) XXXX XXXX XXXX calls XXXX at XXXX and speaks with representative who can not help as she does not have access to records. XXXX/XXXX/XXXX E-mails are exchanged between both Parties and issue is 'claimed ' to be resolved, XXXX sends letter and claims the issue is closed XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX receives letter from RMS claiming the same amount is owed XX/XX/XXXX Immediately call and get a hold of the customer service rep, states issue is closed and refuses to provide any proof, initially refuses to allow transfer to manager, transferred to manager who also refuses to provide any documentation and admits to not having any policy in place to do so, nor are they able to due to third party outsourcing. Manager is XXXX XXXX at XXXX. 
This is my 2nd encounter with XXXX and my first with RMS. The unprofessionalism and complete disregard for customer service or ability to speak intelligently as to any reason not to provide documents at RMS gives the impression of deception and fraud. XXXX for their shady and non-disclosure of involving RMS is completely absurd and should have been addressed previously and disclosed to me. I have no faith that this issue will be resolved and fear harm to my good reputation and credit. 
I have fully documented this transaction and will provide any and all required to the CFPB. I considered this matter closed with XXXX until further action was taken by RMS.
Collection agency has been calling my cell phone over the last couple of weeks. I have sent them a cease and desist letter and they continue to call. I try answering my cell phone when they call but there is no one on the line.
After making a sizable payment ( {$12000.00}. ) in XX/XX/XXXX, my next statement noted that the next payment was n't due until XX/XX/XXXX. Even so, I have continued to make payments. I am trying to find out why the payment due date for moved so far in advance, what my balance was after the XX/XX/XXXX payment, and if they were still adding interest even if the payment was n't due for another 4 years. I would also like to know why I was n't given any choices or explanation for the changes after the XX/XX/XXXX payment.
the Experian credit reporting bureau is not responding to repeated requests from to investigate errors on my credit report.some things are time-out and should be removed from my report. and there are many, many companies that I have good credit with that s not being shown on my credit report. and every effort that I have made to write to them to correct these problems has been met with nothing. when they ask for information and I send it to them, I hear nothing and then later they say something that 's just keep me running in circles and that ai n't nothing being done and I do not who to write to about these stalling, stonewalling and delay tactics.i have a lot of companies that I have good credit with and made timely payments to them for years and that 's not on my credit report
Equifax  has not updated all my accounts,   XXXX   XXXX   has a balance of {$290.00} and has since been paid before due date of XX/XX/XXXX  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.   XXXX   XXXX   confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.
On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to experian and XXXX and XXXX and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXX and they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.
I received a Notice of Amount Due from LJ Ross Associates, Inc. dated XXXX XXXX, 2017 for {$97.00}. The notice does not look like a valid collection notice, my name was spelled incorrectly, address incorrect, and the Current Creditor, XXXX XXXX XXXX, was a name of a utility company that does not exist nor have I used in the past. When I called within 30 days to ask for validation of the bill, they refused to validate and would only make statements that were false and inaccurate. The dates and circumstances that they cited with regards to verification of this event were inaccurate. They gave me an incorrect creditor and I feel that this entire collection notice is false and extremely deceptive. I want validation and statement showing that the debt is truly mine. I am disputing that this debt is valid.
an account has been reported to my credit report again that has been previously removed by other collection agency 's once they verified that this is not owed by me I spoke to a supervisor and he was not helpful when i told them to verify it with XXXX
Hi there, I called TransUnion customer service on  XX/XX/XXXX  about the technical error they had with reinsertion of previously deleted information and hard inquiries glitch. They refused to help me and did n't delete my hard inquiries. Those are the hard inquiries which should be deleted : Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :   XXXX      XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  via  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX  Date :  XX/XX/XXXX  All previous hard inquiries should be deleted.  <P/> Thank you
I made payments to Tuition Options for a loan not covered by XXXX XXXX as explained by the financial department by the now Closed XXXX XXXX in XXXX, CA. I personally XXXX payments of XXXX and XXXX payments of XXXX. I called Tuition Options, and they said my account was now closed and they did n't know how or if I would get my money back. 
I received a letter saying my student loan would be discharged and payments that I had made to XXXX would be refunded. Well in XXXX I was refunded XXXX payments of XXXX, and XXXX payment of XXXX. I called the department of education in XXXX, CA, The Bureau For Private Postsecondary Education, Consumer Financial Protection Bureau, and the Student Aid Commission. Each one of them could not do anything for me. They all had me call other numbers. I explained that the school was now closed, and no one seemed to have an answer for me. Since I received refunds from my big student loan, why ca n't I received a refund from Tuition Options. Their number is XXXX.
I have a few debt 's that are under my name, all this happen during my military career and I was not aware of such things going on. I have been getting call 's about this, I told them all. It 's not me, I was oversea 's in XXXX or living in a different state during that time. I decided to get a credit report and XXXX, that 's when I seen all this identity theft and debts that are not mine. I even called some companies, provided my information and was told that they do n't have anything on my, but it shows in my credit report.
To whom it may concern : I submitted a complaint to all XXXX credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 
I have attached my follow up letter to Equifax for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
There has been several issues. I was charged incorrectly for my card. Rush card owes me XXXX and refuses to pay. I had XXXX fraud fees on my card of XXXX each and they still have not investigated it and have not taken measures to refund y account or secure it. 
For two week + I have not been able to use my card.I have direct deposits that have mysteriously disappear and my balances have fluctuated They are crooks and I want compensation for all the turmoil I have been though I have called the company a number of times with no resolution.
My loan was recently sold to Loancare which is the worst company I have ever come across. Before we even received this so called welcome packet from the company I was incessantly harassed by automated phone calls demanding payment. Then after we received the packet and sent the initial payment I was still receiving calls from them and the began receiving letters telling me my loan was in default all the while having been paid up. The conduct of this company has been totally unprofessional and can only be characteried by harassment.
Transunion responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both TransUnion and XXXX reporting the same account ( XXXX XXXX Bank, NA ) both agencies reported inaccurate information without proof taking the word of a 3rd party.
XXXX  These are not my accounts and I would like to remove them all thank you.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX
A 5 year old account ( with XXXX, which was removed from my credit file a year ago ) is now being reported on my credit report by Debt Recovery Solutions. I 've never received any information from this CA relating to this debt. The information they are reporting is inaccurate ( dates ). They are reporting the account was opened in XXXX. The original XXXX account was closed in XXXX XXXX and a refund for final payment over-payment was received from the original creditor ( XXXX ), yet 6 months later, XXXX began reporting on my credit reports that I owed them {$260.00}. I refused to pay it, as initially stated, the account was closed with a slight over-payment and I was refunded. Sometime in XXXX the original reporting was removed from my credit file. XXXX XXXX, XXXX Debt Recovery Solutions appears on my credit file as a collection account on behalf of XXXX. DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Did not contact me regarding this debt, including offering me the right to dispute the debt before reporting to the credit agency ( ies ).
I have been dealing with XXXX and TransUnion since XX/XX/XXXX in  regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said TransUnion and XXXX needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/XXXX with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking ifXX/XX/XXXX and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX  and to the additional credit bureau 's asking them to  remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.
instaloan lied and told me my interest was a 2.5. % they says there is an " optional '' insurance if you do n't have insurance ( i have full coverage ). the insurance adds $ XXXX per month on top of the loan and then they say that it goes into the interest. they will not provide me a loan summary, interest summary, or an explanation and break down of monthly charges. i have asked 4 times for the information to be faxed to me and they never have. i receive no monthly bill or documents detailing the fraudulent charges. i refused to pay the loan until they adjust the fake insurance they tack onto the loan and proved me the details of the loan as required by regulation for loan originators. They keep telling me that they insurance is " optional '' but they would n't accept my insurance information or allow me to deny that fake insurance coverage. im contacting an attorney and also the department of justice in relation to this company. they have countless consumer complaints through various internet and consumer sites. this seems to be a sham loan company and consumers are being taken advantage of., i contacted insta loan 4 different occasions and requested documents to be faxed and have received no response. i spoke with XXXX XXXX, who hung up on me when i requested ( for a fifth time ) for the loan documents and interest summary to be faxed to me. they refuse to give me any information on the loan. they refuse to provide any information but expect me to pay a fraudulent insurance on top of my loan.
This is complaint against Sun Trust Bank. XXXX accounts were fraudulently drained of {$200000.00}. between XXXX XXXX and XXXX XXXX. Some of the money has been returned to the account in the form of provisional credit {$26000.00}. The remainder has not been returned. It has been four months and Sun Trust will not return calls from fraud investigator. Case # XXXX
Item # 1 : I dispute XXXX - XXXX, this is not mines. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX, this account has been paid and I have attached letter as proof. Please correct this account. 
Item # 3 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account.
Apparently I was sued for an unpaid debt by midland funding LLC. They sued " me '' for an amount of  XXXX   '' in the county of   XXXX . I 've been trying to remove it off my credit reports. I never went to court or signed any forms stating admission of debt. Please help me resolve this.
On XX/XX/2018 my loan was transferred from XXXX  to Flagstar bank. On XX/XX/2018 Flagstar received my completed modification application from my previous servicer XXXX  and provided me with written notification. I received many documents from Flagstar that it will take them 30 days to review my file and update me on what is needed or if a decision will be made. It has been over 30 days and I have yet to find a letter from Flagstar requesting an extension to review my file or in need of extra time to review my completed file.
Ca n't find out who was the custodian of our payments made to loancare by the trustee. The loan was transferred XXXX XXXX however payments were still sent to loancare until XXXX XXXX. Mortgage payments errors were not reflected. Sent request to the company for account statements. Never received any statements since XXXX XXXX, XXXX.
This company XXXX shows I have an open account balance from XXXX XXXX 2015. I have not opened or have had an account in the past 7 years with XXXX and never had any balances due.
On XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The selling price to me was {$20000.00} before extras. I found out later that the msrp was {$15000.00}, {$4900.00} less. I had a good job but, poor credit. The only lender that they offered me was Santander. I put down {$3000.00}. The total sale price was {$40000.00}. They financed the balance over six years, 72 months at 18 %. My monthly payment is {$510.00}. Along the way I was forced to defer a few payments. Santander told me they would add them on the back end. Not counting the three or four payments I was told would be on the back end, My XXXX should have been paid off XX/XX/XXXX. Santander says that I still owe over {$12000.00}. That is more than the car is worth, after making payments for over six years. I no longer have my good job. I hurt my back and now live on XXXX. My wife died last year so I only have the one income. I can not keep making payments for another two years. should not have to. I feel I was taken advantage of, and treated un fairly. I spoke to the dealership, they could not help, and told me Santander was their parent company. I also contacted Santander. No help. I still have the car and, my payments are current.
i have been trying for 7 months to get a limited power of attorney from us bank to XXXX filed on my paid in full loan. i file a complaint and XXXX says they have filed what is needed but the attorney will not allow me to refinance until this power of attorney is filed making a clear deed of trust which it currently is not
i recently checked my credit report and this account by the name of Portfolio Recov Assoc appeared on my credit report. This account was added without my consent. I have no knowledge of this account. I have no relationship with this company. I have never signed up or asked for credit. This is an unverifiable account. This needs to be removed asap.

Portfolio Recov Assoc Account # XXXX how was balance determined? {$970.00} This account says its been opened on XX/XX/XXXX ive never opened an account with this company last updated XX/XX/XXXX why is this account being updated? 

why are there payment terms on this? 1 month? 

multiple errors on payment history it says i am delinquent on XX/XX/XXXX? 

but shows no data on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
I 've called Toyota Motor company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX 2017. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}
My name is  XXXX   XXXX , my social security number is  XXXX .     On  XXXX   XXXX ,   XXXX   I filed a dispute with Equifax that was resulted on  XXXX   XXXX ,   XXXX  . Confirmation number  XXXX . Regarding a public record on my file that had been paid. My request was to have it deleted. The credit report agency reflects that it has been released and had not removed this from my file after several attempts. I have also sent requests for verification and mailed validation of the debt and this also has not been submitted to me by the CRA in conjunction to my request.     The creditor is the State of Maryland, it is a tax lien in the amount of {$2000.00} and has been paid.
I had to take a helicopter flight because I had a medical situation. At the time I had insurance so there is no way it can be for {$42000.00}. I am happy to resolve this at a much smaller amount but {$42000.00} is completely unreasonable especially since I had insurance and had a max deductible and max out of pocket cost of {$10000.00}. I tried to have them look into this to correct it and they say the debt is valid. I am not questioning the validity of the debt, but the cost of it since my insurance protects me for out of pocket cost above a certain amount. I want them to adjust it correctly based on my out of pocket costs, or remove it completely from my credit report.
This company refused to accept payment arrangements that I could afford without still reporting it on my credit. They wanted me to pay an amount that I could not afford and if did n't they would or may report it on my credit. Threatening to ruin my credit over this bill after I had alread explained to them that I was appealing the decision with my insurance company and tryouts no to get the full bill paid does not seem to be good business nor does it seem to me that it should be legal. I was in no way ignoring the bill or attempting to get away without paying. I offered to pay {$100.00} a month but they would not guarantee that it would n't go on my credit. That seems to be a very shady practice to me. If I 'm making payments on it, how can they report it on my credit. I am making an effort to clear the bill. They also wanted to charge me {$5.00} for each payment. That is not right. I refused to pay that {$5.00} each time I made my payment so they again threatened to report it on my credit. I have been working very hard time get this bill paid and to keep my credit in tact. However, despite my best intentions, nothing seemed to satisfy this company except that I pay some amount that I could n't afford. It does not seem like it to should be legal to threaten somebody 's good credit history because they ca n't agree to pay what a company thinks they should pay.