WillisBack/dataset-financial-user-claim huggingface dataset:
{$4000.00} I rec 'd a Loan online from Cash Central in the amount of {$1500.00} on XX/XX/XXXX. This was to be an installment loan which was for 18 months, per my attached paperwork. It is now XX/XX/XXXX and they say that my balance is still {$1400.00}. The loan is to paid in XX/XX/XXXX in full. I contacted them and they now tell me that I have another 16 months to pay. I have all confirmations from this company as far as them receiving my payments since XX/XX/XXXX. I have been paying them {$300.00} per month. The total paid to them as of the end of the loan will be {$5500.00}. I do not believe that they are licensed in my State. I had asked in a previous email but they never responded. Please step in and let me know exactly what I should do. I do not intend to pay after the end of the loan. 
Thank you, XXXX XXXX
This is the second time I have disputed a charge with Citibank and they refuse to investigate. I stayed at XXXX XXXX in XXXX NH from XXXX XXXX-XXXX, 2017 and paid for it with my Citibank card. The hotel suffers from infestation - rats and mice - which everyone at the conference I attended reported. Rodents actually ran across the speakers area at the conference while they were speaking so literally one hundred people witnessed this. I reported it at the time - along with others - and nothing was done. I have a complaint number XXXX to prove that I reported this and Citibank continues to honor the hotel 's denial even though there are several witnesses to this.
I received a notice from a credit monitoring company that a NEW collection account was added to my credit bureau. I looked it up and it was Jefferson Capital Systems. I have contacted them asking for debt validation and have had no response. I DID NOT receive any notice from this company giving me right to validate or dispute this debt. This debt also says it is NEW and was opened in XXXX 2016 but is also in collections. That is impossible!
Spoke with XXXX customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to XXXX is XXXX and XXXX is reporting on my cbr that I still owe them. XXXX was paid XXXX XXXX, XXXX ... Please see attached acknowledment for XXXX that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

XXXX wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to XXXX when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to XXXX in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because XXXX has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.
My wife and I are currently in a bankruptcy proceeding. During such, we voluntarily went through a successful loan modification process. As it neared completion, I specifically requested multiple times, verbally, and in writing, that the new loan be given a different loan number to distinguish it from the old loan. Wells Fargo refused to fulfill this simple request. So, the old loan and the new loan both have the same loan number XXXX # XXXX XXXX. 

The new loan was effective as of XXXX XXXX, XXXX. The loan clearly states that as of the effective date that the old loan will no longer exist because the balance due on the old loan will be capitalized with the new loan. 

So, on Friday, XXXX XXXX, XXXX, I called to make my monthly payment. I was casually informed by the representative that Wells Fargo had ruled a Motion for Removal on XXXX XXXX with the bankruptcy court because we had allegedly not made any mortgage payments since XXXX XXXX. When I asked the woman to explain how this could be when we have, in fact, made timely payments on the new loan directly to Wells Fargo by calling in each time, she placed me on hold briefly and returned to say that I have indeed made these payments. However, they have been applied to the old loan and not the new loan. She then said that I am required to make payments on the new loan immediately to prevent foreclosure. 

I demanded multiple times that I be transferred to the XXXX XXXX representative that assisted us on our new loan. She refused each and every time to transfer me without delay. She instead just kept putting me on hold against my will. So, I had to get another phone and call the XXXX XXXX representative myself. When I got him on the phone and explained to him what was going on, he verified that he personally remembered that I had been making regular payments through him. So, he placed me on hold to research the issue. 

He came back to confirm that the SIX payments that we had made on the new loan since XXXX XXXX had all been applied to the old, non-existent loan. He also told me that the bankruptcy trustee had also been making payments that were also being applied to the old, non-existent loan. He further informed me that he was not able to correct these mistakes and that he was not aware of the exact process to do so. He asked me to fax over proof the I have made the SIX payments that I had made that two different Wells Fargo representatives have already confirmed were made. 

According to my XXXX XXXX Bank statements, here are the dates and the amounts that have been paid on the new loan, totaling {$2600.00} : XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$750.00} XXXX -- {$370.00} XXXX Confirmation # XXXX )
On XX/XX/XXXX, I sent an affidavit ( Attached below ) concerning some inaccurate accounts, addresses, and names reporting on my credit profile they maintain under my social security number. 

This information is reporting is incomplete and can not be verified under the accurate method of verification under 611 ( a ) ( 6 ) and ( 7 ). Section 607 ( b ) requires you to maintain " reasonable '' procedures to assure maximum possible accuracy. 
In the judgement of XXXX vs Experian, reasonable procedures to assure maximum possible accuracy '' of my credit report should be insured. See 15 U.S.C. 1681e ( b ). 
Under FCRA within 15 days it must be re-investigated 611 ( 6 ) ( B ) ( iii ) to permanently delete the inaccurate and incomplete accounts that are being reported on the credit profile maintained under my social security number. 

For the record : My name is XXXX XXXX ( see attached drivers license ) and my address is : XXXX XXXX XXXX XXXX XXXX, XXXX MS XXXX Please remove all other name variations and addresses from my credit report as they are not reportable per the FCRA, and inaccurate. Remove all other reporting addresses listed below that should be deleted from my credit file that I never resided in, and may possibly be listed on my credit report due to fraud. Enclosed are my Notarized drivers license and recent bank statement verifying my address and identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Closed Account Reporting as written off Incorrect High Balance {$1200.00} Reporting XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Invalid Furnisher Reporting XXXX XXXX Account Number XXXX Unverified Account Inaccurate/Unknown Account XXXX  XXXX XXXX  Account Number XXXX Inaccurate Account Number and High Balance of {$610.00} Reporting Inaccurate Reporting as " collection '' account was closed
I have been complaining for a year to Citibank, NA/XXXX  that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. Citi wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called XXXX. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or was, but I will not pay a debt I did not incur.
Ocwen Loan Servicing had me agree to a trial period for modification. At the end of the trial period, I received a notice that I would need to pay over {$3000.00} to reinstate my loan. I submitted needed documents and I feel like I was mislead in the way it was handled. By them having me pay the schedule that they set up, I should not be behind anymore and my mortgage should me now current. However, they did not do that. They put me under a trial modification and then at the end told me I did n't qualify with no explanation other than an issue with the title that had nothing to do with me personally. I submitted the appropriate documents to them and they are still trying to charge me over {$3000.00} to get my loan reinstated. I was only behind XXXX payments of {$740.00} to begin with and then they had me skip a month before beginning the modification which was another {$740.00}. By my calculation, I should only be behind the two months I did n't pay seeing that they had me skip a month for the modification. I am a single mother of XXXX and working XXXX XXXX jobs trying to stay afloat. I can not afford to loose my home. PLEASE HELP
XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts We found 1 change to your Transunion credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP
The vehicle was in a accident in which XXXX refused to cover a valid claim. Damages were paid for out of pocket and since those funds were usually allocated for payments the funds XXXX did send were signed over to the bank. XXXX has underpaid the claim and I am still awaiting the rest which would have brought the balance current. The bank has now charged off the vehicle even though XXXX owes the balance due to fix it which was paid by me and would be sent to the bank.
XXXX XXXX College back in XX/XX/XXXX-XX/XX/XXXX. Formerly known as XXXX XXXX school. Very abrasive means to get student loan. I was not given any information regarding the interest rate or the difference between private loans/federal loans. They offered very little availability to get federal loans and had forceful ways to making myself sign for private instead. I was very young and did not understand the difference at the time. I am still struggling to pay back these loans. Navient has not allowed any kind of forbearance on these loans. Navient offered two predatory private school loans with a high APR rates and have not sent me the promissory note after several attempts so I could review it with them. I have tried to get short term forbearance for private and federal ( now federal is in forbearance due to me completing a borrower defense to repayment ) and have been unable, I have had trouble having my loans lowered or any APR rate for private lowered in order to try and pay off the loan quicker. I also have been denied the ability to release my co-signer even after missing no payments and paying off a huge amount of the loan. I need restitution from both XXXX and Navient. This has gone on too long. How is anyone supposed to get ahead in life while they are tied down to these loans. I haven't even finished my XXXX degree and originally owed almost 90,000 dollars! for a XXXX   that is not complete. Please help me.
Reported delinquent on my student loans for several months while I was in deferment in school. They have also submitted a claim to my bankruptcy court for payment and they refuse to take it back because they want my trustee to give them my assets even though I do no have a patent due. This seems very unethical to me
Our home owner insurance policy was cancelled due to no payment from our mortgage escrow account. We 've tried repeatedly to get answers from our lender with no success. We decided to pay our insurance premium directly to maintain coverage. Frustrating because this is money we already paid the mortgage company.
I ordered a security system for my husband for a XXXX present but I changed my mind and sent the unopened package back. I refused delivery. I have the shipment document that they received the shipment back but they are still trying to charge me for it. Discover started to automatic debit my checking account without my permission to get this payment. I have spent hours on the phone with Discover trying to resolve this. I wanted to send the documentation that it was sent back with registered mail but all they have is a P O box for disputes. I tried to file the dispute on my online account but I have not used it in so long it was on a old phone number so I couldn't get the security code. I have sent them documentation from XXXX through the mail 4 times. I still can't get this resolved. The purchase was made through XXXX.
Innovis file ( # XXXX ) I received my Innovis report and discovered that there were accounts on this report not relating to me. I was a victim of identity theft. I have sent to them my FTC ID affidavit signed and notarized including the police report attachment and identifications that identify me. They have ignored the FCRA law of section 605B. FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits.

Additionally, the reason of conducting a 30 day investigation is not a condition of blocking under section 605B. 

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. These accounts need to be removed and deleted from my report. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
During the time of my XXXX  from XX/XX/XXXX to XX/XX/XXXX the reporting agency has reported over 60 missed payments with my student loans. I was in XXXX  and due to my circumstances was unable to pay on my loans.
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address and SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
I gave alliance collection a letter on XXXX XXXX, 2015 and gave them 30 days to prove all the debts were valid and mine. They failed to meet this request. Thus I 'm asking that all my negative marks be removed from my credit bureaus immediately.
XXXX XXXX the company Rushcard company said they were doing updates, for 2 days we 've had no access to our money, not able to speak or get to anyone to even pick up the phone. I deposited {$670.00} into my account not aware of this issue until after I had made the deposit into my account which by the way does n't show up, my card declines when trying to purchase food for my family, gas, etc. I just want my money like XXXX of others experiencing this crippling issue.
After discussing the property and current rates with Washington Federal XXXX I signed a rate lock at XXXX XXXX  on XXXX/XXXX/XXXX at XXXX and returned it to the bank. This morning, the bank manager for the branch in XXXX, New Mexico, XXXX XXXX called me and told me they were raising the rate to XXXX XXXX and said that it was because of the size of the property and the number of outbuildings. The outbuildings they are reffering to are non-permanent sheds on the property and the bank manager was aware of both the property size and the outbuildings when she gave me the original rate lock. I told her that I would be issuing a complaint with the CFPB and she said she would try to convince the underwriter to drop it to XXXX XXXX She also told me that if I wanted to proceed with the loan, I would have to accept those terms. We are not in a position to start shopping for a bank again as we are trying to close on this property as soon as possible to get our family of 6 out of a 2 bedroom rental property and have our property delivered from storage. The fact that they changed the terms when they already had all of the information on the property and had offered to let us lock the rate at XXXX XXXX  seems very unethical to me and I would like the CFPB to contact them with this complaint.
I DID NOT RECEIVE A STATEMENT NOT KNOWING I HAVE NOT PAID I NEVER MISS PAYMENTS THEY CALLED SO I PAD MY BILL OVER THE PHONE THEY WAVED ALL LATE FEES BECAUSE I HAD NEVER MISSED A PAYMENT WITH KOHL 'S AND WHAT THEY DID REPORT THIS TO EXPERIAN CREDIT BUREAU WITH KOHLS DOING THESE LOWED MY CREDIT SORE FROM THE XXXX TO XXXX THIS IS NOT FARE AT ALL
XXXX XXXX they received there equipment years ago and I have been dealing with this false reporting. Its not fair for them to do people like this. And then after they make your credit bad because they lie. Then they pertain like ok the equipment to old. You got your stuff on time and paid the bill its not fair.
Every time I have made a principle payment on my loan the money goes into a suspense account. I am trying to get my loan to work I am making frequent payments every fifteen days to reduce the principle on my loan and the amount of days I am being charged interest. The process that fifth third bank follows is not working. When I made a payment on  XXXX   XXXX ,    2017  the  XXXX  dollars is just sitting in a suspense account. There online option allows you to make additional payments yet even when I walk in the bank and say hey this check is for my mortgage principle they continue to let the money sit there. It is to their benefit because I continue to accumulate interest and not decrease my balance due to improper processing of funds. IF I am making a principle payment that should not be up for debate or review. It is a delay in the decrease of my loan balance and interest I am being charged.
I got an auto loan through Chase and could n't make the payments so they eventually charged off the account. After the account was charged off I paid them for the balance of the charged off amount but they are still reporting to the XXXX major credit bureaus that I have an unpaid charged off balance.
I received a gift card as a bonus from work in XXXX XXXX with XXXX $ on it. It expired on XXXX XXXX. The company XXXX with phone number ( XXXX ) XXXX XXXX says they will not replace the new card based on their terms and conditions. On the CFPD website it says they should be able to replace the card : XXXX : XXXX What can I do about this how can I get this money back? 

-XXXX  Also , I am very happy that a resource like website exists for people like me.
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX Total. 
I have attached What these items are :
Ally auto has continually sent letters, each time with a different amount that I supposedly never paid for a leased car that I had. I have had XXXX other leases with them, which I assume I would n't have been approved for if I owed them money. Anytime I contact them to ask for whatever records they have for this debt I am told that they do n't have access to them because it was so far back. I really think they are just scam artists.
I received a loan from VW Credit which is a part of XXXX of XXXX for a 2015 XXXX XXXX XXXX. The vehicle is currently out for repossession and with the court preventing VW from selling any of these vehicles they are not willing to negotiate with me on the final balance. My fear is that they will take the car back and that I will still be responsible for paying the entire {$43000.00} loan amount. I have suggested that they take the car back and forgive my loan or wait until I am able to accept the VW buyback and then give them that amount and forgive the loan. I fell that this car was sold to me under deceptive and unfair trade practices by VW and VW Credit ( which is the same company ). I want to know what they will give me for the vehicle since there is no fix for it and they can not sell it.
To make a long story short, I was notified in XX/XX/XXXX that my mortgage company was paying the wrong PIN # out of my escrow for property taxes since XX/XX/XXXX. I first found out from a neighbor in my condo complex as her taxes were paid and she had not yet made a payment. I then was notified by the County that I may be eligible for a reimbursement due to me paying someone else 's taxes. After further investigation, it was determined that my taxes were not paid for an entire year and I had a lien. This has since been resolved by my mortgage company, but it was resolved with my money in my escrow. I have sent in two formal complaint letters to my mortgage company trying to understand the issue. I have also requested documentation proving what all my escrow disbursements since XX/XX/XXXX have paid. My first written dispute was sent on XXXX XXXX, XXXX. I received a resolution letter on XXXX XXXX, XXXX, however, it did not address ANY of my concerns or disputes nor did I get any of the documentation I requested. So, I sent in another written dispute letter on XXXX XXXX, XXXX addressing the same concerns I had back in XXXX. I have received a couple acknowledgement letters since XXXX XXXX, XXXX, but it is now XXXX XXXX, XXXX which is 124 days since my formal written dispute and I have not received a resolution. I have not received one letter, one email, or one phone call to at least try to address my issue. I work for a Financial Institution, and in fact I manage the area of the Bank that handles all the Consumer Loan error resolution inquires and complaints. I have a pretty good understanding of what regulates the consumer rights when it comes to Real Estate Secured consumer loans ( especially since XXXX XXXX ). There could be no issue with the way my mortgage company processed my tax payments since XX/XX/XXXX, but due to the lack of addressing my concerns, my complaints, and my disputes I feel as I am not being treated fairly as a consumer and should not have to wait this long to hear some sort of resolution. I have plenty of documentation to display my current efforts with my mortgage company.
I was recently charged a $ XXXX monthly fee on my checking account. I meet one of the requirements to have the fee waived. The bank is unable to explain why the fee was charged and is unwilling to waive it.