WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a vehicle from drivetime. In XXXX I could no longer pay for the vehicle. I voluntarly gave them the address in XXXX where the vehicle was located. They picked the vehicle up shortly afterwards. They have it listed on my credit report as involuntary repossesion. They are falsely reporting information on my credit report. There is no way they could have known where the car was located unless i told them. Reason being my son was driving it down at school at XXXX. My address and address on my loan application is for XXXX NC. When I told them where the vehicle was my son removed his belongings from the car. I spoke with a gentlemen today XXXX XXXX at Drivetime finance he read in the notes it was voluntary. As soon as I informed him that it was listed on my report as involuntary he quickly changed his story.
XXXX Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that XXXX bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning XXXX Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when XXXX took over they had raised my APR ( without my knowledge XXXX to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact XXXX back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.
I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on XX/XX/XXXX and XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.
This complaint is ongoing with Vectra Bank. After I closed my account, I went online to get my info from bill pay for my new account and noticed that the payment in question had been put back into my account, which I had closed! How does that happen, I spoke to XXXX XXXX several times. She told me that the payment had come back to Vectra because I closed the account.However she could n't release the money to me. I am still waiting for a check from Vectra for {$170.00}, but I have yet to receive it. I called her again and was told that the check was mailed out that day, Tuesday the XXXX? I think that they are holding the check because I filed a complaint.
My company was a corporation at the time of this incident, but I closed my business after my XXXX. XXXX was the original Creditor of this account which was the advertisor for my business. XXXX XXXX XXXX is handling it now. At the time I was a corporation, so I 'm protected from this. I called XXXX and the just tried to collect from me while calling me a liar about being a corporation. XXXX and XXXX investigated and removed the information back in XXXX, but TransUnion does n't seem to be investing properly or something.
I paid Creditrepair.com a total of {$320.00} from XX/XX/XXXX to XX/XX/XXXX. I paid them to remove negative items from my credit reports. Creditrepair.com did not remove any negative items from my credit reports. ( The three credit reporting agencies )
I receive several calls " everyday '' in the morning and in the evening from this debt collection company. It has been going on for several months now. I want it to stop! Here are more numbers that they use. 
XXXX XXXX
Hello - This complaint is in reference to my account with Coinbase. I have several thousand dollars invested in Bitcoin ( BTC ) via Coinbase. I bought in several months ago, and have done well. 

I attempted to sell off my Bitcoin on XX/XX/XXXX ( at its height, approximately $ XXXX/BTC ).  However, I was prevented from doing so, due to Coinbases horrendous 'identity verification ' system. 

When I try to sell anything over {$5000.00} worth of BTC, Coinbases system requires that I enter various personal information ( name, address, profession, employer, etc ), and then answer several multiple-choice questions related to my past/ID. All of this is apparently checked against whatever ID data they relate to me, so as to verify my identity. 

Well, every time I do this, always entering the correct information, Coinbase claims that my answers are incorrect, or that my ID ca n't be verified, and to try again in one day. I 've been doing this daily since XX/XX/XXXX. 

One thing of note ; on several occasions, the multiple choice quiz included info that is clearly related to my Father, and not me. I am a XXXX, so they may have data that is conflated with my Father 's - in which case, there is no way I can ever be verified, and therefore, can never get my $ out of Coinbase ... 

So, a couple weeks ago, I found that Coinbase could verify my ID via a photo of my Drivers License. So, I did this. And, Coinbase claims that my ID has now been verified via my Drivers License. HOWEVER, it still requires that I do the same ID verification if I want to sell any significant quantity of BTC. So, I have no idea what the issue is. 

I have managed to sell as much BTC as Coinbases system allowed ( approx. {$4500.00} worth ). But, I can not seem to find any way to sell any more, and I have approx. {$10000.00} still locked into their system due to this ID verification issue. 

I have contacted Coinbase, insofar as they are contact-able. I 've used their support system, so far getting only automated, useless responses. I 've searched online for solutions, and it appears that many people have encountered the same or similar issues, none of which can offer any solution but submitting complaint to CFPB and/or legal action ... 

So, any help on this issue would be appreciated - all I want to do is sell my remaining shares of BTC, just to get my $ out of this buggy system. I obviously am quite angry about the fact that I have lost out on significant profits, since I correctly guessed the top of the BTC surge, but was hampered from harvesting those profits by Coinbases horrendous ID verification system.

BTW - My Coinbase account is associated with my email address, and they can find me using that. 

Thanks.
Trying to acquire VA home loan and upon checking my credit a student loan that I had received 30 years ago that was supposed to be wiped off my credit report because I am a XXXX XXXX XXXX Veteran is showing up on my credit report and creditor stating it is lowering my score and interfering with the process.
On the Rocket Mortgage website, consumers are prompted to apply for a quick decision and a mortgage as they provide their personal access to their bank accounts. Rocket Mortgage is a form a scamming site since it prompts for " Simplicity-Securely share your financial info at the touch of a button to get the most accurate numbers, Speed-Get approved in minutes, and Control-Adjust your down payment to find a solution that works for you '' All turns to be a huge XXXX and disappointment for the consumer. After submission of the application, the Rocket Mortgage at Quicken Loans have all personal information available - social security numbers, bank account, access directly to the bank accounts, addresses. At the end of the quick review, Rocket mortgage shows XXXX options of the loan amount with XXXX different rates. Then, the system urges the consumer to 'chat ' with the Rocket Mortgage Specialist. After the chat, the specialist denies the application even if the credit score of the applicant is good, even if the Rocket mortgage automatized system is showing that the customer is approved. It gets ugly when a customer starts asking questions as 'where is my application ' and why my mortgage application disappeared from your site? The role of the online mortgage officer is to make sure the Rocket mortgage does not have any record of any transaction. Then the customer is objecting and stating that it is not fair Rocket Mortgage to ask for bank accounts Before any pre-approval of the Mortgage application. The mortgage officer is terminating the chat. SUCH SCENARIO happened with me. I was denied Rocket Mortgage by the Quicken Loans Senior Mortgage Officer, while their automated system pre-approved me and at the same moment I applied for the regular approval at the Quicken Loans application for a mortgage which is separate. It was given the impression that I was pre-approved for a mortgage, but after the Chat with the Senior Mortgage Loan Officer, all applications disappeared.
Thus, I received an immediate Denial Letter by the Mortgage Online officer, and my credit score will be harmed due to their hard inquiry. More importantly, the Quicken
Loans - Rocket Mortgage has all my bank accounts and ACCESS to my bank accounts/account numbers and login information.
I feel something is very wrong and unfair in the above process of pre-approving customers. I thing that the Rocket Mortgage is scamming customers as asking for bank account information and login access to screen who of the customers has more finances to pre-qualify and deny applications.
DITECH is refusing to release my insurance claims checks to pay the contractor for the completed repairs. The claim was from XX/XX/XXXX and all repairs were completed in XX/XX/XXXX. Insurance has paid all checks on the claim, including recoverable depreciation, total $ XXXX. DITECH has issue only one draw check for $ XXXX in XX/XX/XXXX. The contractor is losing patience and will proceed with filing a lien against the home.

DITECH actually told me to take out a short term loan to paid the contractor and they will paid me once they are satisfied that the home was repaired to their satisfaction, despite the fact that the county code inspectors and the insurance company adjustors have signed off! 

This is an overstep of the promissory note and harms me, due to 1 ) the devaluation of the home due to the Lien, and 2 )  hurting my credit. 

I believe DITECH needs to be sanction for this practice and to pay me my claim money plus interest.
This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both XXXX and Experian. 

I have tried contacting both credit bureaus about this, as well as XXXX XXXX XXXX, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XX/X/2017. 

This has been paid in full and should be noted as such on all three reports.
Almost everyday few phone calls looking for someone I do not know. I have never deal with this company, i had no busniss with them, and they call looking for someone else. I have the same phone number for about XXXX years.I Asked them to remove my number from the system several times. But the harassment never stopped
We fell behind with our mortgage payments and applied for a loan modification. We were approved for a trial plan for {$3000.00} which we completed. At one point the bank cancelled the modification, claiming that they didnt receive the signed documents, only the payments. We DID SEND THE BANK THE DOCUMENTS WITH THE PAYMENT, however the bank then decided to re-send us the documents, which we signed and returned the SAME DAY.

They then told us that since its an FHA loan, they had to submit it to FHA for the approval. Im the meantime, a Sheriff sale was pending, and the bank assured us the the Sheriff sale would be postponed and/or cancelled. FHA DID APPROVE THE MODIFICATION, however the Bank did not postpone the Sheriff sale, so the sale went forward in error.

We called the bank and they said it Infact was an error, and that we should give them some time to fix the problem and reverse the Sheriff sale, as it was their error. We waited and we kept calling. They kept telling us the problem is being worked on and would be fixed soon. WE EVEN HAVE RECORDINGS OF CONVERSATIONS WITH AGENTS AT THE MORTGAGE COMPANY, ASSURING US THE PROBLEM IS BEING CORRECTED. Specific questions were asked, and specific questions were answered in the recorded conversation. So we have that as proof. Plus we have the letter the bank sent us, asking us for payment AFTER FHA had approved it.

We decided to check back in with the bank after waiting a few weeks, and we were informed that the sale was final and that nothing was being done to correct the mistake the bank made. WE COULD NOT BELIEVE IT!! THE BANK DECIEVED US, LIED TO US, THAT THEY WERE FIXING THE PROBLEM, AND BEHIND OUR BACKS, LET THE MISTAKEN SHERIFF SALE STAND.

This is cruelty! We did EVERYTHING the bank asked us to do, we were approved twice by FHA, and the bank refused to correct their mistake which they said they would.
Rise Credit : XXXX, TX XXXX Part acct : XXXX We got a loan from Rise Credit for {$5000.00} and payments have been made over {$2000.00} approx. and yet the company does not allow access to my account information online or billing by mail, Why? I have asked XXXX for help and yet My balance does not seem to match what we have paid ; in total. Can you please investigate Rise Credit and XXXX for Fraud? XXXX ; XXXX, CA XXXX
On XX/XX/2018, I applied for and was approved for XXXX XXXX credit card number XXXX XXXX the sole purpose of purchasing XXXX XXXX ticket confirmation number XXXX because Bank of America ( XXXX  Credit Card ) was offering a {$100.00} statement credit. 

I was a approved for the card and provided the credit card number online so that I could then purchase the ticked. I did so, then Bank of America cancelled the card essentially after the purchase was made. In the coming days I noticed that another Bank of America/XXXX  credit card ending in XXXX appeared on my Bank of America Checking/Saving online account ( I bank with Bank of America ironically enough given how terribly they are treating me ). I called and found out that Bank of America cancelled the card with the {$100.00} statement credit promotion and gave me another card. They proceeded to say that I can't get the {$100.00} statement credit because the Terms indicate that I gave to spend {$500.00} within the first 90 days which of course in IMPOSSIBLE because they cancelled the card. 

So the scam appears to be that they promotion is offered. The credit card is approved and used by the scam victim. The bank cancels the cards and provides another card so that the scam victim has no way of receiving the promotion. 

I am out raged. I want my {$100.00} statement credit! At this point I don't think I should even have to meet ANY terms since they saw fit through -through their scamming- to ensure that I wouldn't be able to meet any Terms at all.
ON XX/XX/2018 I WENT INTO XXXX   XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
On XXXX the XXXX I received a document stating two invoices with account numbers and amounts owed at a balance of {$2000.00}. On XXXX the XXXX XXXX I wrote to XXXX XXXX XXXX and asked for Validation of the alleged debts they said I owed on five separate accounts. On the XXXX of XX/XX/XXXX the read receipt was signed and sent back to me via USPS. No original documentation, signed paperwork, or anything they had on file pertaining to this account was sent as proof of validation and or verification of the alleged debt ; which was requested in my validation letter along with details of the debt, not just a monetary amount. I sent a 609 letter to XXXX  on XXXX the XXXX XXXX and they responded rather quickly ( XX/XX/XXXX I recieved my response ) having deleted 3 of the accounts ( that the Collection Agency didn't even mention in the return letter but I inquired about during first contact with my initial Validation letter ) but stated the two accounts listed in the  account had been verified and belonged to me. Again, the documentation I requested for proof of validation and what was used the verify said accounts were not given to me by the Credit Bureau either and by law I know I have the right to have valid proof that a debt is in fact my own otherwise it must be promptly deleted and all reporting should seize to any of the three major Credit Bureaus.
Open letter to LoanCare CEO XXXX XXXX, Senior Vice President, Loan Administration XXXX, Executive Vice President and Chief Operating Officer XXXX, Senior Vice President, Client Relations XXXX, Senior Vice President of Loan Conversions & Escrow Department I bought a house two years ago. My loan was sold twice. The current loan servicer is LoanCare LLC. The county in which I live sent me a property tax bill in XX/XX/2016 which is normally paid by the mortgage servicer who manages the escrow account. XXXX went by without a payment by LoanCare LLC to the county for taxes. I received a follow-up letter from the county that said I ws in default and that if I did not pay immediately I would incur penalties and interest. Therefore, I immediately paid the taxes due directly to the County. The taxes are now paid in full by my own payment. Since then, LoanCare claims to have paid my taxes out of my escrow but the County Tax Administration states that they have only received one payment, and that payment was the payment I made from my checking account. I have receipt from County proving I paid these taxes and I have bank statement proving that payment came from my own personal funds from my own checking account. Yet LoanCare charged my escrow account for the taxes which they did not pay. I 've called LoanCare a dozen times. Each time I spend ten minutes navigating the automated IVR system only to be hung up on by the IVR system. I 've actually reached a human twice. The first time, the human promised to credit my escrow account for the duplicate payment. The second time the human said their systems were down and she was unable to help me. So far, no credit has been issued. I request an immediate credit to my escrow account. 

Please contact me immediately.
After falling behind on our mortgage in 2011, my ( then ) husband and I were forced to file for Chapter XXXX Bankruptcy. We completed our 5 years of payments and our bankruptcy was discharged roughly 30 days ago. We are battling with PNC mortgage on past due payments that should not be owed, PMI that should not be charged and escrow that is not calculated correctly, nor providing any statement on escrow.
I have been making additional payments and asking them to be allocated to a specific loan token after paying my normal monthly auto payment, however, they are not applying my extra payments directly to principal and are charging against next months interest. I called customer service and they are making it very difficult and are running me in circles with no concise answer. 

My auto payment is set to cover all of the monthy interest gained for all loans, then I make an additional payment and that is not being applied to principal as requested and has even been dispursed across all loan tokens. They say that interest gains daily which I understand, but this is an extra payment after all interest should have been paid. Plus they are charging me {$69.00} in interest when I just made a payment two days before. 

This has happened many times. Here are some of the specifics : Auto payment made on XX/XX/XXXX - done correctly and applied to all 4 loan tokens Extra payment made on XX/XX/XXXX - done incorrectly, was requested that 100 % of payment go to loan token XXXX. But they dispursed it to all 4 loans. 

Extra payment XX/XX/XXXX - done correctly Autopayment XX/XX/XXXX - this was now applied to only loan token XXXX, not all 4 loan tokens instead of putting earlier payment to it. They are doing it backwards. 

Extrapayment XXXX- done incorrectly. 100 % ahould have been allocated to principal on loan token XXXX, but instead was allocated to all 4 loan tokens. 

Auto Payment XX/XX/XXXX. Done incorrectly and went to token XXXX. They are flipping my extra payments and auto payments around to their benefit for interest gain. 

Extra payment XX/XX/XXXX - done incorrectly. Was also allocated to loan XXXX but dispursed to all 4 tokens. 

Extra payment made on XX/XX/XXXX. Should have processed but they are delaying processing my extra payments which accumulates daily interest. 


All in all, they are flipping my payments around and making not applying extra payments correctly.
I previously submitted comp. # XXXX regarding a so-called PayPal Credit account, # XXXX XXXX XXXX XXXX, that I had no intention of opening in the XXXX place and find impossible to cancel though I 've sent multiple letters and email requesting closure. The original charge was for {$38.00}. I sent them a check # XXXX on XXXX for that amount along with a request to cancel. No response other than computer generated bills spitting out and now a whopping {$130.00}. I just paid them that amount on the advice of counsel to avoid further damage to my credit rating. They give " gotcha '' and " scam '' a bad reputation.