WillisBack/dataset-financial-user-claim huggingface dataset:
I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft. Equifax,  XXXX , and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am attaching  XXXX  copies of their responses to this complaint along with yet  XXXX  police report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.
I first had received student loans through XXXX XXXX which is now navient. They had my payments very high and instead of lowering them the would tell me to file for student loan forgiveness. I 'm not even using my education because I have a very sick mom who has a XXXX XXXX and I give her alot of my money to pay bills on her house I live in as well including food etc ... I was told my loan was going to be much lower then it is and not only did it go up almost 10,000 dollars more then I thought, they are telling me after interest it 's going to double. The only thing that navient has done for me is made me current on my loan to do a student loans by putting all three loans into one to help with credit so I can sign up for student loans forgiveness again
TD BANK HAD AN ONLINE PROMOTION EXHIBIT XXXX AND IT WAS A {$150.00} BONUS IN 60 DAYS OF FULLFILLING REQUIREMENTS.FIRST WAS TO USE THE ONLINE PAGE TO APPLY, AND HAVE XXXX DEBIT TRANSACTIONS WITHIN 60 DAYS.I COMPLETED ALL THE EXACT REQUIRENENTS AS MY EXHIBITS SHOW CONCLUSIVELY. 
AFTER 60 DAYS NOTHING SHOWED UP AND I CALLED AND SENT EMAILS AND TRIED TO VISIT A BRANCH THAT WAS UNEXPECTEDLY CLOSED IN THE MIDDLE OF THE DAY.IT IS YOUR BASIC SCAM OF PHONE TAG WITH XXXX EXCUSE AND LIE AFTER ANOTHER WITH MANY, MANY REASONS FOR YOUR NOT QUALIFYING FOR THE BONUS, EVEN THOUGH YOU DID ALL REQUIREMENTS AND ALL THE PHONEY EXCUSES THEY CAN ATTEMPT, IN ORDER TO DISCOURAGE OR CONVINCE YOU THAT YOU ARE NOT ENTITLED UNDER THE CONTRACTUAL AGREEMENT TO THE BONUS. IT IS LIKE TREDDING WATER TO SPEAK TO ANYONE AT TD BANK TO RESOLVE THE MATTER, SINCE IT IS A CORPORATE MINDSET TO BE UNETHICAL AND THINK NOTHING OF BREACHING AGREEMENTS EVEN IN THE FACE OF OPEN AND SHUT EVIDENCE.I TRIED FOR QUITE AWHILE TO GIVE THEM A CHANCE TO DO THE ETHICAL AND LEGAL CORRECT THING, BUT THEY REFUSED OVER AND OVER. SO, IT LEFT ME NO OTHER CHOICE THAN TO SUBMIT MY CASE TO YOU FOR RESOLUTION.
Case number : XXXX are the papers to prove my statements and the lack of bank of America not taking them seriously, as evidenced in their reply to you.
My spouse and I reside in XXXX, Texas where a hurricane brought on a disastrous flood waters. Soon companies started making provisions to customers to allow time to make payments, including Prestige Financial. I contacted the company to make arrangements for XXXX payment to be made in XXXX ... .the end of XXXX. I received an email, which did not address when the payment would be comfortable for us to make after this disaster, what was offered I decline, the company seem to propose two payments in onXXXX month, over {$1000.00}. I decline, a manager emailed, I call back to discuss, the person was n't trained very well and only stated what the needed in 28 days and what they can not do. This sounded more like soft collecting ... she told me that no fees or negative reporting would be done, I stated to her when we could make XXXX 's payment, which would be XXXX XXXX, and continuing after. Which is the actual date of current payments, a collection letter dated on XXXX XXXX arrived threatening repossessions and law suit, I will provide emails and copy of letter in a separate complaint.
Global Receivables Solutions is trying to collect a debt for XXXX XXXX 's that is current. XXXX XXXX 's has combined all three accounts into XXXX account, not at my request and I have been sending monthly payments to that account. I feel as if XXXX XXXX 's is trying to confuse me by sending me separate bills for each account and then XXXX bill that has all XXXX accounts combined. I send a payment to the the account that has all XXXX accounts every month so I am not sure how XXXX XXXX 's thinks I can and should make a payment to each account and another payment to the the account with the joint accounts and then Global Receivable Solutions wants me to send them payment for the same accounts. I have sent a letter to Global Receivable Solutions disputing one of the collections and now have received another collection notice for another one of these accounts and have recently received a third collection notice in my Daughters name who is a minor. I am asking for help so that this does not affect my credit or my minor daughters credit by being sent to collections. In my letter to Global Receivables Solutions I have asked for verification of debt and they refuse to send me any verification.
I was seeking to refinance my home. I started working with XXXX company ( Loan Depot ) in CA. they ordered an appraisal which I paid for. just as the appraisal came in I was offered a much better deal by another financial service. I and the new financial company asked Loan Depot to transfer the appraisal. they are refusing saying they do n't do that. I paid for it. In addition they contacted my insurance carrier and informed them they would be servicing the loan even though I have informed that I no longer wished to proceed with their offer. I understand they are upset at losing my business but do n't I own the appraisal. just because they " would not accept another appraisal '' does not mean that it is legal or ethical to deny transfer. Please advise.
A collection agency is sending a false statement to all XXXX major credit bureaus regarding my account. The false statement, " the consumer disputes this account, '' or variations of this statement has caused me to be declined for credit from a major mortgage lender. I contacted the collection agency by phone on XX/XX/XXXX to discuss the erroneous statement. I was informed by one of their customer services agents that I would need to submit to them, the collection agency, a request to have the statement removed. I reminded them that I never " disputed '' this account with them, therefore, they should remove the statement without requiring me to make such a request. I was informed by the customer service agent that I made a request for validation of the debt in XX/XX/XXXX and they considered that to be a dispute. I asked if the language of my request included " dispute '' language and they said that the very nature of me requesting validation is considered by them a dispute. I asked if I had used dispute words, or wording, on my debt validation letter, and they verified that I had not used the wording ( they were able to read the letter to me ). I then asked them to contact the credit bureaus and update the information on my credit file and eliminate the dispute statement. The agent said they could not do that without a request from me. The agent offered a solution, I could go to their website and send an email to them, the collection agency, stating that I request the dispute statement by removed, and then they could remove the statement. I then proceeded with their requirement. The agent then saw the email, opened it and informed me that they would contact all XXXX credit bureaus immediately and have the dispute statement removed. I contacted XXXX by phone on XX/XX/XXXX to determine if the dispute statement had been removed. The customer service agent from XXXX indicated that the statement was on the account and was placed on the account the proceeding day, XX/XX/XXXX. I asked the agent if the dispute statement was on the account prior to XX/XX/XXXX and the agent said, " no, the dispute language was removed in XXXX of XXXX at your request. '' I believe that the collection agency is knowingly placing the dispute language on my account at each of the credit bureaus as a way to damage my credit rating, specifically as it applies to securing mortgage financing. In summary, I never disputed the account with this collection agency, just asked for validation of the debt in XXXX. They validated the account information in XXXX and placed a statement on the credit bureaus that I was disputing the account. I have made multiple attempts with each credit bureau during the months of XXXX and XXXX to have the statement removed, only to have it added back by the collection agency. I was denied credit due to the dispute statement. I contacted the collection agency on XX/XX/XXXX and went through the required process to have the dispute language removed. It was placed on the XXXX credit bureau the following day and as of today, appears on all XXXX major credit bureau reports. ( XXXX ).
I refinance my house on  XXXX   XXXX ,  XXXX  and opened mortgage with Quicken Loans. My monthly payment on 30 years fix interest loan was  XXXX  On  XXXX   XXXX ,  QL a gainst my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since  XXXX   XXXX  I made over  10 re quests to close  XXXX  account.  QL  refuses multiple requests to close escrow account unless I apply for new higher percentage loan.   On  XXXX   XXXX ,  XXXX  I made regular ( on tim e ) pa yment for loan at the amount of  XXXX .   Instead of accepting payment as expected , QL pl aced my payment in Suspense, because they charged me {$1600.00} on  XXXX   XXXX ,  XXXX  ( for duplicated home insurance ) and then refunded - {$1600.00} on  XXXX   XXXX ,  XXXX  after I complained. But  QL  kept my payment in suspense ignoring phone arrangement to provide total amount own on escrow until  XXXX   XXXX ,  XXXX  when I was charged for late payment. At that time I was promised refund for late payment since record show that I made payment on ti me (   XXXX   XXXX ,  XXXX  ). Later QL loan also ignored that arrangement. And on  XXXX   XXXX , they charged me  XXXX  even though payment history ( attach ed ) sho ws on time payment, written chat conversation shows the request to provide escrow amount.
This company, which I hold no contract with nor received services from, reported a collection account against my SSN in the amount of {$320.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for services or goods they have provided nor have they provided adequate proof i am not obligated to pay the alleged debt.
Haven't received a promo bonus for opening bank account, I have completed all requirements. Bank didnt pay.
Best buy credit card Citibank refuses to allow me to opt out and provide a copy of my choices. I have requested this 3 times and they refuse to comply.
Before moving out of the residents the apartment manager had made a agreement with me to pay on damages that had accrued i had paid {$790.00} in total she had given me hand written receipts she told me that once repair total was paid in full the maintenance man would come an repair the issues at the time of me moving i had asked the lady if the repairs were going to be a issue since i had paid them she said no they would be repaired before the corporate office came an inspected the apartment to see what needed to be charged then i get this huge bill on me credit. this was taken care of already.
I will start with my original issue with the company Westlake Financial Services : on XX/XX/XXXX I purchased a vehicle and took out a loan through westlake. That vehicle proceeded to fail Massachusetts state inspection 3+ times. The dealer and westlake were both contacted and informed. The dealer proceeded to make some repairs and the vehicle still failed again. And again. And again. I tried returning this vehicle but unfortunately I did not go through the proper steps. that aside. Westlake never made one effort to contact this dealer. They never once tried correcting this issue and because of this. I am paying on a {$6000.00} loan with a 24 % interest rate for a vehicle that has been sitting in my yard. Undrivable since XX/XX/XXXX the day I bought it. This vehicle qualified under the Massachusetts lemon aid law MGL chapter 90 section 7n and westlake made no efforts to see through to their end of the contract by providing me money for a vehicle that WILL pass inspection. They trapped me into a loan for a vehicle that TO THIS DAY HAS A REJECTION STICKER ON IT. So that is my first issue. 


Let me go on to my second and most concerning issue I have with Westlake, the inaccurate credit reporting. Firstly. Westlake has granted me a deferral for the payment due in XXXX. They later on said that there was NEVER a deferral given to me. Months later I found the original deferral contract ( which I have ) and they still deny it. On top of all of this. They have been reporting that I am over 30 days late for the month of XXXX. And over 60 days late for the month of XXXX. I will provide pictures of my payments. 


Please note this!!!!!! : I have a video/ audio recording of a phone call with Westlake of them acknowledging that I was not late! They told me in a phone call that my issue would be corrected and my info would correctly be reported to the credit agencies. BUT THEY NEVER DID!!! And they deny that anyone ever told me that! Also there was a confusing phone call made on XX/XX/XXXX where it was stated that I was caught up to date. Later on come to find out they tell me I was not up to date. And nobody ever told me that. So rest assure. If you find the phonyou call between Westlake and myself on XX/XX/XXXX you will clearly hear a Westlake employee tell me I am caught up to date.

PLEASE HELP ME. I have been dealing with COUNTLESS similar issues with Westlake and it is never ending. I am on my last straw. I am in the process of filing against them in small claims court for the full price of the vehicle. Westlake shouldve voided the contract as soon as they found out the vehicle failed inspection. But they didnt and now Im trapped in a loan for a vehicle I couldnt use since day one. And not only that but they are inaccurately reporting on my credit which is INABLING ME FROM DOING ANYTHING Westlake has tarnished my credit illegally and now my wife and I are having an extremely hard time buying a house, and getting another vehicle. Because I am trapped in this loan. Please help me ( also innacuratly reporting my payoff balance to the credit companies for the entire time Ive had this loan )
Nationstar Mortgage Servicing and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX conducted fraudulent transfer ( substitution ) of unsecured debt. Illegal transfer of a deed of trust from an unsecured party. Setting a trustee sale date in an effort to force dispossession of title.
I requested a simple due date change on my loan from XX/XX/XXXX to XX/XX/XXXX to avoid being late and therefore being charged {$40.00} late fees. I was denied without being provided adequate reason.
The father of my son is using our sons social as his own. Social security office had my sons incorrect information. My sons name is XXXX XXXX XXXX XXXX My sons fathers name is XXXX XXXX XXXX. The social security office had my sons name in its system reading XXXX XXXX XXXX, just like his father, without the XXXX, XXXX. So therefore my sons father has been using his identity to open bank accounts and is doing business under our sons social to avoid paying child support owed. He hasnt file taxes in 3 yrs as well.
Transworld Systems, Incorporated used a robocall to call me on my cell phone to collect a debt in violation of the TCPA. They called multiple times, including leaving a voicemail by robocall from the number XXXX on XXXX XXXX, 2015 at XXXX XXXX. I have a saved copy of the voicemail.
There are collections on my credit report that are not mine i am going to list them here.        1.   XXXX   XXXX   XXXX   -   XXXX   2  .   XXXX   XXXX   XXXX   -  XXXX  3.   XXXX   XXXX   XXXX   -  XXXX  4.   XXXX   XXXX   -   XXXX  5.     XXXX   XXXX   -   XXXX   6.   XXXX   XXXX   -  XXXX  7.   XXXX   XXXX   -  XXXX  8.   XXXX   XXXX   -   XXXX   9.   XXXX   XXXX   -  XXXX  10.   XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   XXXX   XXXX   XXXX   -  XXXX
XXXX XXXX financed my vehicle in XXXX for 72 months for {$26000.00}, in XXXX I still owe {$21000.00}. I requested copies of my loan documents for this vehicle from the Dealer because XXXX told me to contact dealer for my documents. Dealer told me they cant lay hands on my documents. 
I have paid this note since XXXX but I still owe {$21000.00}. 
I believe there is something wrong with my fiancing but XXXX is in no way able to assist me with this. I on time with my payments but I feel I have paid too much and Im being ripped off. 
I recently tried to trade this vehicle in but no one will take this vehicle because the current value is {$5000.00} to {$6000.00} Ive been having problems with this vehicle and have reported it several times to the XXXX but all avenues have failed. The particular model has been discontinued due to problems they have had with this vehicle model (  XXXX ) I want XXXX XXXXXXXX to give me all my loan documents and explain to me why my balance is still {$21000.00}. Even if I missed 1 year of payment, shouldnt I be left with a couple of years to pay off. 
One Car dealership drew my attention to this and i need to get to the bottom of it. 
The vehicle is a lemon vehicle, it has given me problems since we bought it. There is a recurring problem XXXX dealers can not fix. They have deliberately sent me to the dealership over 10 time assuming to get it fixed and each time it comes back same. some of these dealership visits have taken over 3 months to get engineers take a look at the vehicle. we have had too much to deal with
XXXX XXXX provided validation of debt with inaccuracies. The card acceptance certificate dated on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX was not my current address. From XX/XX/XXXX - XX/XX/XXXX, my home address was XXXX XXXX XXXX, TX XXXX and from XX/XX/XXXX to current my home address is XXXX XXXX XXXX XXXX, TX XXXX. My email address XXXX XXXX has listed for me is XXXX. This is also invalid. 

I will be filling a copy of the acceptance certificate with my police report.
I have been using FIFTH THIRD BANKS online banking application to pay the majority of my bills. I schedule recurring payments months, maybe even the whole year at a time. Because my retirement check is automatically deposited on the first day of the month, I generally automatically schedule my recurring payments for the XXXX of the month. My recent XXXX recurring payments were automatically scheduled for the XXXX months ahead of time. 

What I was unaware of is that the XX/XX/XXXX fell on XXXX XXXX. What I was MOST unaware of is that the bank would program their computers to automatically CHANGE the payment day of my XX/XX/XXXX payments BACK THREE DAYS TO XX/XX/XXXX and cause my XX/XX/XXXX payments to bounce and cost me {$140.00} in overdraft fees! 

I was given no notice nor was I asked permission to change my payment date. The bank could just as easily have programmed their computers to move the payment date AHEAD to the next business day after I had scheduled my payment, XX/XX/XXXX. But it chose not to in a perfect example of uncaring greed. 

Of course I called a Bank Service Representative and then talked to a Supervisor certain they would reverse the overdraft fees. They agreed to refund only half the fees, {$74.00}, citing the banks arbitrary policy of refunding only {$74.00} per year in fees, even if the fees are clearly wrong and unjustified. I might add the the banks Supervisor, who name begins with a V and ends in an A, was rude and uncaring. Whats the purpose of talking to a live person if theyre going to robotically cite arbitrary policy? And why wouldnt the local bank manager have the power to evaluate each individual situation for its merits? 

For us, good, solid bank customers, here is our reality : I am terminally ill and bedridden, unable to even leave the house to meet with a new banker. Hopefully, we can find one to visit us at our house. 

In addition, Fifth Third has stolen {$74.00} from me, money I need for my medical costs and prescriptions.
Involves AARP CHASE Credit Card Services. In  XXXX. I transferred my balance to another banks credit card. They, themselves initiated another account on me and allowed charges up to $ 3,000.00+,  documented credits but i had not paid anything since filing dispute after I struggled intensely making 8+ calls of which I talked to at least 5 people each time spending up to 45 minutes with only leaving voicemail with management who has yet to return 4 voicemails from me during the past 4 months. Everyone is confused and passes my problem on and on between fraud and identity departments. 
I 've talked to at least 15 different reps.and have left my last voicemail to management on Thurs. XX/XX/XXXX ; none returned. 
I now wait on them to contact me. 
However, they have reported to my Credit Reports Co., XXXX that catgorize under failure to make payments. POOR in red ink is attached. 
Again, I did not activate this card and I want to know why I owe them {$3000.00} or another time {$1800.00}, or another time XXXX, etc. There is obvious very much confusion on every ones part ... .except me!
I was contacted by someone on  XXXX   XXXX  saying they were an account manager at  XXXX     XXXX    and that i can receive an cash refund which is entitled to me and is legal and legit, so that being said i shall receive the amount of {$6000.00} if i pay {$300.00} in the form of cash and send this amount to an agent and that i will receive the full amount by this person with an reference number in money gram form, i then sent {$300.00} in cash for pickup by said agent to send it to, i knew i was scammed when the transaction was not returned on my end and did not receive said money as promised and tried to call the number given back, a man called me saying that my money is on hold at my financial institute and that i will have to pay another added {$150.00} for a deposit to receive my cash refund and i received several other calls from this person the next 2 days asking for more money and he told me this is legit and legal and that i was assure i will get my money on hold.
I started a dispute via PayPal for an XXXX purchase. Paypal told me that they would refund my money as soon as returned the item. I returned the item provided PayPal with evidence of return via XXXX tracking and a picture of the package with the tracking number and return address. Paypal is denying my refund saying I did n't return the item even though they have pictures of the return.