WillisBack/dataset-financial-user-claim huggingface dataset:
I have obtained a Car Loan with American Credit Acceptance in XXXX have have paid on time over and above the minimum payment which is {$300.00}. The record will show I am paid up several months in advance in order to minimize the High Interest Rate. 
However, to no avail, most of the payment ALWAYS goes towards interest paying very little on the Principal. I tried to refinance for a better terms with Credit Unions, and Commercial Banks, and each time I request a payoff, I am quoted over the phone, exactly the outstanding balance on my statements, In other words, no discount for paying off ahead of time. 
Since XXXX XXXX, XXXX, I have requested a payoff and was promised that I will received the information by email. The New Lender called over and over, and was promised the same thing. Now the balance have increased from {$3600.00} since XXXX XXXX, to XXXX XXXX, XXXX to {$3600.00}. 
It appears over the last two years, American XXXX Acceptance does not want to have loan being paid off by another Lender, so they delay, delay, delay until I give up. 
I am XXXX XXXX XXXX and can not ward off imminent medical issues that comes with getting old, and all I want to do is pay off this loan
Data breach of 2017 for Equifax left millions of people in risk of identity theft. I was one of those consumers and I just wanted to create a trail of things in lieu of that. I am filing a complaint because Equifax negligently had their systems hacked and has leaked my information to the public.
An inquiry appears on my XXXX  Credit Report that I did not authorize. Consumer Portfolio Services refused to remove the inquiry on XX/XX/2019.
My husband and I are trying to purchase a home and initially we did dispute a few items listed on our reports. However we reached a point that we agreed with the findings and asked that the bureaus remove the dispute verbiage on all of the accounts so that we could move forward making our financial move. The only bureau that continues to report that statement is Experian. I have sent several correspondence requesting they remove it and instead of removing it I received noticed that the dispute is now in process. I wasn't disputing anything I was asking for that to stop and be removed.
company will not provide me with a forensic analysis of my account to prove that payments made did not go through. I would like the ACH transaction code that goes with each transaction make on the account from the loan original start date.
I have been reviewing and monitoring my credit report and Capital One and XXXX, XXXX and XXXX still has n't deleted permanently the negatives and charged off wordings with on my credit reports. On XXXX XXXX,2016 a Bankruptcy Chapter XXXX was filed and XXXX by Federal Judge on XXXX XXXX,2016 in XXXX, Texas Federal Court and Capital One Credit cards ending # XXXX and XXXX and any Capital One credit cards negative wordings on my credit reports should be deleted immediately. Under the Federal Fair Credit Reporting Act,15 U.S.C & 1681 ( FCRA is a legislation enacted to promote the accuracy.fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
I had moved out and cancelled XXXX home internet service. Months later i find out i was sent to collections for not paying the bill at a place i did not live at after moving out
US Bank is saying I owe them {$1700.00} over 1 penny back in 2007 I tried to resolve the problem I couldn't get any help so I just left the bank alone. They were trying to charge me {$100.00} for the penny overdraft now they want {$1700.00}. They state that they are a federal bank and will get their money. {$1700.00} for 1 penny
I am writing of complaint about Transunion Credit Bureaus failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Transunion has also failed to substantiate that the account is mine. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Transunion also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Transunion has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. I am requesting that Transunion delete this unverifiable account immediately from my credit report.
Please see and read the attachments. These can also be seen in complaint number XXXX. 

I have highlighted the areas for you and Green Tree. 

At the bottom of page XXXX of the attachment to THIS complaint it CLEARLY states to cease ALL TELEPHONE COMMUNICATION ... ... 
Yet they choose to ignore the cease and desist statement. 

They have called on XXXX/XXXX/2015 and again on XXXX/XXXX/2015. 

Also in complaint XXXX Green Tree replied to you as follows : '' Green Tree Servicing , LLC said : Explanation of closure Green Tree is unable to locate an account with the infomration provided. We ask that you provide our office with the following information so that we can respond to your concerns. 
XXXX ) Full Property AddressXXXX ) Full account number '' They received the exact same letter as you, the CFPB did, and yet the letter that came from Green Tree contains:XXXX ) Full Property AddressXXXX ) Full account numberCan they not read their own letter!
I opened an account with Chase Bank approximately 2 years prior to XX/XX/2013. I had a fradulent activity take place on my account for {$1900.00} for some person in XXXX. I do n't know how this person got my account number. However, they wire transfered them funds into my account. I had regular activity going into my account that excited well over 2500 monthly, XXXX check through direct deposit and the other check was deposited weekly. I went to the bank to withdraw my monthly earnings and was told by one of the customer representatives did I have some unexpect fraudulent activity take place on my account but, she told me that it should not be a problem they just had place a hold on my account and she asked me to see one of the tellers in the branch. So I went to them she told me that she would investigate it and she did and told me that they were closing my account with no answer as to want happened because she gave my the {$300.00} and something dollars that I had left available on my account. Later, I received a text message from the bank telling my that I was negative {$1900.00}. from a wire transfer another representative told me. And I asked her how that could be I did not give another my account information other than my employers to do direct deposit on my account. She told me that I would have to clear it up. So a few days later they received one of my direct deposits from social security for {$1300.00} and then the other check I could not deposit because my account was close and I did not have the remaining XXXX to place into the account because they ate all of my bill money. So I called them up and told them that I was going to resolve the balance because I did not want any problems with them being reported to any collection agencies. This representative assured me that as long as I paid that everything would be okay and I could open up another bank account anywhere else because they were not going to report me. I asked her about timeframes and she told me that as long as I kept open lines of communication with them I would be okay since this was not my fault. She told me that I could file a police report but I told her that I did n't know who this person was in XXXX because I did not have any friendship, relationship or any connection to this person that did that. Then she said that it was fraudulent which I told her that it was. Then she went into to telling me that this type of activity does happen to people and the bank works with you on resolving the problem to protect their customer. So I ended up paying it in full to the bank. They told me that I should not have any problems with opening a bank account and there would be no reporting of a problem. So I opened up a checking account with XXXX Bank and trust with no problem. I was there for a while and had no problems then they closed my account due to XXXX complaint from chase months later. Please clear this up chase. This is clearly not my fault I do not know anyone in XXXX.
I had two withdrawal transactions go against my account. They came in the order of smaller ( {$41.00} ) and then larger ( {$370.00} ). When Chase processed my transactions on XX/XX/19, they processed the larger transaction first, resulting in account overage, then they processed the smaller transaction. They paid for both transactions and then charged my two NSF fees of {$34.00} each. 

I have called Chase on XX/XX/XXXX and spoke to a representative, explained my situation and asked for one NSF fee to be waved. He told me that the bank refused the request. Then I spoke to his supervisor and she told me the same thing.
I applied for a no interest credit card and was turned down. I got my credit report and I have a lot of good credit on it. One thing my life time Insurance co was supposed to have paid was on it, it that was 2011. The company is taking care of it. But I have cards from Citi that do not have abalace. I ca n't believe they turned me down.
On XX/XX/XXXX, I obtained from XXXX, XXXX, and XXXX the annual free credit reports to which consumers are entitled. XXXX reported XXXX hard-pulls for information from " Capital One '' throughout XX/XX/XXXX. XXXX similarly reported XXXX hard-pulls for information from " Capital One '' throughout XX/XX/XXXX. THIS MEANS THAT " CAPITAL ONE '' ( or someone purporting to represent them ) REQUESTED MY INFORMATION ON XXXX SEPARATE OCCASIONS WITHIN A XXXX MONTH TIME PERIOD. 

I do not now nor have ever had any accounts with Capital One or their affiliates. I received no solicitations for credit card business from Capital One. I similarly have no credit, gas, or store cards. Likewise, I have not made any application for credit to any financial, retail, or any other type of business. Additionally, I have no intention to initiate any business, professional, service, or any other type of relationship with " Capital One '', given the fact that each telephone conversation I have had with their representatives included dismissive and unprofessional responses on their part. Each time I called them, Capital One refused to provide any explanation, other than to confirm that I have no active accounts with Capital One. 

During the time period in which these inquiries occurred, I was involved in a dispute with a XXXX, NJ. attorney ( who once served both as a member and a XXXX of the New Jersey Supreme Court XXXX XXXX XXXX ) regarding an estate matter. I find the correlation between these XXXX seemingly unrelated matters very curious. 

Following the discovery of the credit report entries, I initiated disputes with both credit bureaus. XXXX response was to simply remove the entries from the credit report without providing an explanation. XXXX 's response was to keep the entries on the report and not provide any explanation whatsoever. 

This activity is highly suspicious. Capital One will not acknowledge requesting the information, and both XXXX and XXXX refuse to address the incidents. I reiterate : During all of XX/XX/XXXX, I was not once contacted by " Capital One '', nor did I make applications for credit to any corporation, financial institution, or place of business. I strongly believe that XXXX ( XXXX ) hard-pulls for my CR within a XXXX MONTH TIME PERIOD by a company which I had and have no accounts with, nor solicited me regarding same, is ABUSIVE, EXCESSIVE, and SUSPICIOUS. The CRs reflecting these occurrences are attached to this Complaint. 

I request for assistance in obtaining an investigation or the results of any investigation already conducted, as well as those which may be conducted, into why these incidents occurred.
I have a VISA account with Citi as a result of them being a Costco service provider. I had several issues with their billing and decided I would pay off the account and ultimately close it. I scheduled an electronic payment for XX/XX/2017 based on my statement that paid the stated balance in full. I received the statement for XX/XX/XXXX and there was an interest charge of {$4.00} as of XX/XX/2017. I called and the service rep told me that this was an interest charge on the prior month 's balance. In other words, they are billing me interest even though there is no outstanding balance at the time the interest is being charged.
Well a while in XX/XX/2016 I borrow XXXX dont remember the exact amount, but we had XXXX deaths in the family and I haven't been working they sent an email threatening to sue me in court if i didn't call, but I replied explaining my situation and trying to work with them to pay at least XXXX every XXXX
I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX I C XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Wells Fargo opened a personal loan under my name and social for {$20000.00}. This was a result of my identity being stolen. I never opened an account with Wells Fargo. I attempted to dispute the account and was denied and not given any assistance. I call now and all I get is the complete run around.
We have a mortgage on our home which has been sold multiple times to different lenders. Because the property in question is a condo, it requires hazard insurance. I provided proof of insurance to the company through the US mail, as well as through their web portal -- I even requested an acknowledgement that it had been received. The company did not acknowledge receipt of proof of insurance. I received a letter today stating they were purchasing insurance for the property, and that I would be responsible to pay for it.
EQUIFAX, Confirmation # XXXX refuses to DELETE THIS ACCOUNT FROM MY REPORT EVEN THOUGH IT IS THE SAME XXXX XXXX that they are already listing as being closed as of XX/XX/XXXX. 

XXXX XXXX, XXXX purchased these bad debts and are deceptively disguising them account as the original creditor being " XXXX. '' This is a disputed account pursuant to XXXX XXXX XXXX  and I am an " affected consumer '' pursuant to this ORDER. The Order states that these accounts are not to be transferred to Collections. Pursuant to the Consent Order I AM NOT LIABLE FOR THIS FRAUDULENT ACCOUNT and I want it deleted from my file. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Credit File states for this account that " XXXX '' was closed on XX/XX/XXXX. So how is it an opened account as of XX/XX/XXXX?
In XXXX Bank Of America bought my ( XXXX ) mortgages from Country Wide Home loan. Prior to this point in my life I had a great credit history. My score was a XXXX and I had numerous credit accounts and equity in properties. Bank of America took over my ( XXXX ) mortgages on XXXX XXXX, XXXX first payment to Bank of America. As of XXXX XXXX, XXXX ( 6 ) months later, they had My ( XXXX ) mortgages ( 9 ) months delinquent. XXXX consecutive, on XXXX XXXX on another, And XXXX on the XXXX. All of these payments were made on time, I have the proof. Receipts and checks they cashed. My credit score went from a XXXX to a XXXX and I lost all my credit accounts. I am a vet that owns a small XXXX, this was devastating to my lively hood and business. For the past 6 years I have been trying to recover from this XXXX error From Bank of America. I tried to refinance in XXXX but Bank of America had ( XXXX ) delinquencies on my accounts a XXXX credit score and nobody would even consider me. Since then I had to modify my house mortgage to get it out of foreclosure, They added over {$120000.00} to my mortgage and have to pay on it for 40 years XXXX. My investment, retirement property I owed {$62000.00} on in XXXX would have been paid off by XXXX. Now this is in foreclosure and going to be sold and the balance is {$150000.00}. After the modification of my house last year I built my credit score back up to a XXXX in the begin of XXXX. Then what a surprise Bank of America reports I am 3months 90 days delinquent on my mortgage. XXXX XXXX, XXXX XXXX, XXXX XXXX. Bank of America denied they made any reports to the credit bureau. My credit dropped back down to a XXXX. This is listed at the top of my report ( 90 days past due as of XXXX ). I just noticed Bank of America is checking my credit score monthly. This makes it clear to me that they are deliberately making these false reports to knock my credit score back down. I am currently trying to refinance my investment property ( For double what I owed on it ) to keep it from going to foreclosure sale. With a XXXX credit score this is nearly impossible, plus Bank of America constantly recording false delinquencies to the credit bureau. Consumer Financial Protection Bureau Director XXXX XXXX, states consumers should not be collateral damages in the mortgage transfer process. Mortgage companies have a legal obligation to protect comsumers during loan transfer between mortgage servicers. I have been paying for this transfer since XXXX when it was transferred. I will be paying for it for the rest of my life! This company is disgusting!!!!
In XX/XX/XXXX my husband and I got a few months behind on our mortgage. 

Nationstar Mortgage allowed a large payment in XX/XX/XXXX and after that, consistently informed us we needed to pay the entire remaining amount due and that they could not accept partial amounts toward the balance owed.

In XX/XX/XXXX I contacted them and received an email on XX/XX/XXXX from  representative XXXX XXXX. She provided an amount and a deadline of XX/XX/XXXX to avoid foreclosure. I have the email and will attach it. 

However, when I called Nationstar for an overnight address a few days later, I was informed by the person on the phone that they had never heard of XXXX XXXX and that my account had, in fact, been sent to foreclosure prior to the receipt of XXXX 's email to me. 

Soon thereafter we received an eviction notice from our county. Because I had the amount needed, my husband and I applied for reinstatement, which we were able to accomplish and were able to keep our home. 

The issue I have with this entire process is that a Nationstar representative provided a payment amount and deadline IN WRITING and then Nationstar refused to honor this or even acknowledge that this individual worked for them. 

The reinstatement amount I had to pay included approximately {$2000.00} in attorney 's fees which I feel Nationstar ( now known as Mr. Cooper ) should reimburse to me.
On  XXXX   XXXX ,  XXXX  I receive d two snapshots o f my monthly statemen t. One advi sed that I owe {$160.00} by  XXXX / XXXX / XXXX  and the other statement advised that I owe {$0.00}. I called Navient because I continuously receive conflicting information. When I advised that representative that the statements are conflicting and that I was advised  by Navient through the CFPB that I am currently on an IBR with a $  XXXX  monthly payment he then advised that the {$160.00} were late charges. I advised the representati ve that I should not have accrued any late charges becau se Navient mi sapplied a payment back in  XXXX   XXXX  which resulted i n my credit score dro pping  XXXX  points. Navient reported to the credit bureau in error that I did not make a payment in  XXXX   XXXX  and had to research and attempt to fix m y credit score fr om  XXXX   XXXX  through  XXXX   XXXX .  Navient could not fix my credit score so they removed the tradeline and advised that my IBR is $   XXXX   monthly payment. Navient  was charging me a monthly payment and should not have been charging me based on my IBR.
I have a open debt with XXXX with the account number of # XXXX that was open XX/XX/2016. Its a debt of XXXX $ that was open until XX/XX/2016. I am a victim of identity theft. somebody as been using my social security number in opening numerous accounts.
Due to Hurricane Irma, I sustained economic loss and incurred financial hardship. I live in south Florida, and we were declared a natural disaster area by our governor. As such, I called my mortgage company, Specialized loan services and requested a 3 month deferment due to my financial hardship. SLS stated they could only approve 2 months and not 3 months. I received a letter in the mail dated XX/XX/XXXX that my 2 month deferred was approved and my next mortgage payment would be XX/XX/XXXX. The 2 months that were deferred were moved to the end of my loan to XX/XX/XXXX. 
This month, I called SLS to make sure they credited my XX/XX/XXXX payment correctly, and the service agent stated that I had a deferment and the two months that I skipped would be due in XX/XX/XXXX, which is essentially a balloon payment. I was never notified in writing and only found out as the customer service agent told me I did n't have a deferment, but a forbearance with a balloon payment. 
I am attaching the letter from SLS from XX/XX/XXXX which agreed to the deferment and extending the 2 payments to the end of my loan. 
Since this is in writing, I am asking that they honor their original agreement. 
As of this writing, XX/XX/XXXX, I have not received any notification in writing that I am in forbearance. 
I feel like they are setting me up for failure. 
Lastly, although I am in deferment and or forbearance, SLS charges a late fee on my account these pasts months as well as XX/XX/XXXX, and I made a XX/XX/XXXX payment. 
Your assistance is appreciated.
XX/XX/2018 : XXXX XXXX or XXXX XXXX debit card has incorrect balance. There is ( {$57.00} ) missing in my account and the balance online is incorrect! Previously, I had been traveling outside the USA and if this error occurred it could have gotten me killed in a unknown location. There have been many complaints filed about the online portal and ethics of social responsibility involved in this bank. If they can not get an online banking portal correct without an efficient way to contact them, then taxes with social security and retirements appear not valuable to the government who use taxes from crime in this system!
I went on line with XXXX because of the major each and spoke with their representative on XXXX XXXX, 2017 THEY confirmed my information was included in the widespread breach. Because of this I am filing a complaint against Equifax.
I have called and sent standing instructions on how to handle my overpayments and how they should be applied. They seem to always apply it incorrectly and then tell me on the phone they have to submit a request to get it sorted out. This is causing additional interest as the overpayments should be applied to the highest interest outstanding principal. Instead it is being applied evenly to the remaining loans. It seems like I have to call every billing cycle to get it fixed. Most recently my XX/XX/XXXX and XX/XX/XXXX payments were not applied as stated in my standing instructions that were sent and approved XX/XX/XXXX
I have been trying to get a loan modification since XXXX XXXX. Half a year later they gave me a trial modification and that in XXXX of XXXX I would get the loan modification. But after making all my payments on time, they told me in XXXX I would have to re-apply again for a loan modification. Since then, they have not completing my loan modification. They continually ask for the same paper work, over and over again. Now it is XXXX of XXXX. I have not giving up, but I do n't know what to do to get this done.