WillisBack/dataset-financial-user-claim huggingface dataset:
My wife had an accident with a deer on XXXX XXXX with our 2012 XXXX XXXX and it was totalled. XXXX XXXX told me they paid FirstMerit {$10000.00} on XXXX XXXX. ( Loan Number XXXX XXXX ). We also had XXXX XXXX through XXXX XXXX on the car and the rest of what was owed to FirstMerit was roughly {$2600.00}. Finally this morning XXXX XXXX, after many calls and conversations with XXXX XXXX they finally had all the information they needed to pay the rest of the car off ( Their reference numbers for our case was XXXX and XXXX. 
FirstMerit called yesterday XXXX XXXX and wanted a car payment of {$290.00}. I believe I talked to a XXXX. I said we would not make that payment because the XXXX XXXX from XXXX XXXX was covering the rest of the car loan. She knew that was the case but still wanted our payment else would be delinquent on our payment. I contacted XXXX XXXX this morning and all the items they needed to pay off the rest of the loan were in order and the money would be allocated within 5 to 7 Business days. I figured I would call FirstMerit back and I got hold of a Man by the name of XXXX XXXX. I told him about XXXX XXXX making the rest of the loan payment within 5 to 7 business days and he said he would make a note of that. Then he proceeded to tell me we would be reported for 30 days over due because in 5 Days our payment would be overdue and we should make that payment of {$290.00} to stay current. I then proceeded to tell him everything I had told him before about XXXX XXXX making the payment within 5 to 7 business days and he came back with the same statement about we would be reported for a late payment if we did not make the {$270.00} late payment. I again told him the money would be there from XXXX XXXX and he said we would be considered 30 days late in 5 days. I asked him his name and he told me and I told him he should consider the circumstances and not consider us late. He then repeated the same 30 day information he had told me 2 times before. I told him to mark this down on his computer that we should not be late because the money was coming from XXXX XXXX. He said he could n't do that and started his 30 day speech again I was getting rather disgruntled with him so I said I was going to report him to a XXXX. I then hung up and got this information to make a complaint. 

Desired resolution is that we should not be turned into anyplace for a late payment. If it has been put in some record it should come off from our record immediately because of the timing of this whole issue. By this time FirstMerit would have received all their money and the late fees of {$20.00} should not apply also. 
I believe that XXXX was quite unprofessional and did not care to hear anything I was telling him.
I have written three letters disputing all the items on my Experian Report. I have supplied Experian with the XXXX letter, title and attorney 's letter. I have attached copies of my dispute letter XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15. Experian has failed to remove the negative entries on my credit report. I can be reached at XXXX ext XXXX.
Equifax was hacked and that is unacceptable. I work hard to maintain my good credit. Equifax should fix this and offer some sort of compensation or credit monitoring. Equifax should be the most secure company since they have so much information on consumers. How are they going to fix this? I need to know because I am one of the ones who has had their identity stolen.
I make one payment that covers three different loans that I have with one lender, they pull the money out of my account ( auto pay ), but it shows on my credit report the I missed ten payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) on two of the loan, but not on the third. I disputed this with a printed credit report with the issues highlighted and a copy of my bank statement showing the payments on the loans ( same amount as the years before and after ) and a typed letter explaining everything. I was told I would receive a letter back in 30 days to let me know what they found and I never received anything, so I called them and they told me I was denied for some reason they could not tell me and it would be in the letter that I never got.
Hello cfpb, I contacted you in the past concerning my bank problem, I don't know if you thought it was settled but in all this time using lawyers and government offices I continue to look for closure and compensation. 
In XXXX it was brought to my attention that for the pass 14 years, bank employee or employees had been removing money from my Money Market Savings account, Trust account and checking account. I learned that after I would send my bank papers and information to several different offices, nothing came of it I was puzzled as to why a bank such a XXXX XXXX and Chase Bank would let a thing like this go unsettled. Manager XXXX XXXX XXXX at the XXXX Ohio, branch of Chase Bank either was appointed or took it upon himself to intervene with my case. He would tell them that it had been taken care of. He never looked at my bank statements or figured the numbers. In fact when I went to the bank and showed him my checking account where I deposited {$75000.00} and a bank employee removed the {$70000.00} she said my son owed on his loan, it was put in an investment firm in my daughters name without me knowing. XXXX XXXX told me they were not going to give me this money. When I first became aware of the situation, I called the bank and the clerk told me to call the CEO XXXX XXXX, I was shocked to think the CEO would remove money from a depositor 's accounts. I did write him with fax 's and letters the most recent was XX/XX/XXXX with my papers as proof. He never responded to my concerns. I feel he should have gotten in touch with me and appointed someone to look into my complaint if he was to busy to bother himself. This has taken 25 years of my life I lived in a depressed state of mind, not living but only existing.
Mr. Cooper ( former Nationstar ) is my current loan/mortgage company, in XX/XX/2018, company increased my payment by $ XXXX/month without any reason. 
Their phone is XXXX They told me that payment increase is due to escrow increase ( property tax from county and city ). 

I went to XXXX county and XXXX XXXX/sc city and asked them to send refund to Mr. Cooper, I called Mr. Cooper today ( XXXX ) and they told me that they already received refund from XXXX county and still don't want to change my monthly payment. 

It is just like rubbery ( my coworker told me it is illegal to increase mortgage payment ). 

My property address : XXXX XXXX XXXX XXXX XXXX, SC XXXX my name XXXX XXXX XXXX
The following letter was sent to Credit Management LP on XX/XX/XXXX, no reply was received. 

On XXXX XXXX I closed my account with XXXX and returned the equipment on XXXX XXXX. I requested that XXXX send me a final bill for balance owed XXXX 2 days XXXX. 

I contacted XXXX on XXXX XXXX and XXXX XXXX inquiring about the FINAL BILL and was promised that one will be sent. 

On XX/XX/XXXX, I received a letter from Credit Management indicating tat I owed XXXX {$74.00} which was reported to the XXXX credit bureaus as a collection. 

I contacted XXXX on XX/XX/XXXX concerning my account being sent for collection for {$74.00}. I spoke with XXXX who researched that the amount I owed was {$20.00} which I paid with my credit card., she also said that {$52.00} will be adjusted. 

On XX/XX/XXXX I checked my credit report and found there was a balance outstanding in the amount of {$5.00}. I called XXXX and I believe I spoke with XXXX who indicated the amount was inadvertently charged and should have been waived and an adjustment will be made to the account. 

This charge resulted in my credit score being reduced from the XXXX 's to XXXX ( Poor ). I was not at fault for this vexatious charge from XXXX. 

I request that this collection and derogatory statement be removed from all XXXX credit bureaus and inform me by mail when completed.
O n    X/X/17  I  called Transunion and disputed a Bankruptcy  (   Docket #    XXXX  ). The representative stated that the dispute would take up to 30days.  On  X/X/17     I got an email saying my dispute was completed and the Bankruptcy had been " verified '' by Transunion. I called Transunion  on   X/X/17   and  spoke to  XXXX . I asked him how the dispute was verified and also the source of verification.  XXXX  advised me that Transunion sent a letter via US Mail to the Bankruptcy Court located in  XXXX    XXXX   and that the court verified the bankruptcy by letter and mailed it back to Transunion. I told  XXXX  that it is physically impossible for Transunion to mail a letter out o n   X/X/17      and already have received it back from the bankruptcy court o n  X/X/17   which is less than 24 hours from the time the dispute was entered. He insisted that the letter was sent to the courts and that the courts had verified the bankruptcy. I asked him for the name of the person from the bankruptcy court that had signed the letter and verified the bankruptcy. He said he could not give me that information so I asked for a supervisor. While on hold waiting for a supervisor I called the Bankruptcy  Court  (  XXXX  ) and spoke to  XXXX . I asked her if Transunion had requested verification from them or if they had signed a verification letter and sent it back to Transunion, she said that the Bankruptcy Courts do not report or verify information for any of the credit bureaus so Transunion was not being truthful. I then spoke with supervisor  XXXX  from Transunion and advised him of what the Bankruptcy Courts had just told me and also what the other rep  XXXX  had said.  XXXX  then stated that the bankruptcy was verified by a third party vendor but he could not legally tell me who the vendor was. I stated that per the FCR A a Consumer  has a right to dispute and also know the source of the data furnisher. He said that he would not release the name of the Vendor. I then advised him that I wanted the name of the individual from t he 3rd p arty vendor as well as the method that was used to verify the bankruptcy and be also refused to give this information. I ended the call with  XXXX  and I immediately called Transunion back. This time I got a rep named  XXXX  and I asked him how my Bankruptcy was verified. He stated that a Transunion rep  or 3rd party re p  for Transunion drive to  the Bankruptcy court and verified it with the courts. When I advised him that this was not true, he hung up on me. Transunion is not and has not verified the bankruptcy and are lying over and over again about the source and method of verification which is a violation of the FCRA.
In  XXXX  of  2016  I opened a credit card wit h Capital One. I was con sistent in making all payments on time and always over what I owed. I approached a hardship, outside of my circumstances, and had a payment returned. Instead of being contacted,  Capital One close d not onl y one b ut both my accounts without notice. I have contacted them on several occasions making good faith attempts to pay this balance off. This credit card company does not care about ruining your livelihood and is solely focus on destroying what you are trying to build. Every time that I contact them, I get an agent who always offers me the chance to re-apply. I even re-applied and all they simply did was deny me. Capital  One  prey on individuals that are trying to meet their high standards but fall short due to life. I would like someone to look at this company with a fine tooth comb because us normal everyday citizens are being scammed by them.
Attention Equifax and if possible XXXX and XXXX Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct
I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX After being ignored by these companies I reached out to Experian XX/XX/XXXX to have the incorrect information removed from my credit report. 
Experian has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Experian received on XX/XX/XXXX at XXXX. ( Tracking Number : XXXX ) It appears that my rights have been violated according to the FCRA.
I am writing to dispute the reporting of a > 60 day late payment to credit bureau  XXXX  for my unsubsidized loan, sequence  XXXX , disbursement date  XXXX / XXXX / XXXX . This unsubsidized loan was paid in full  XXXX ,  XXXX .     I spoke with  two   AES repr esentatives and a   XXXX   representative regarding a > 60 day late payment reported to  XXXX  in  XXXX  of  XXXX . After a detailed review of the accounts, the following was determined : In a phone conversation on  XXXX   XXXX ,  XXXX  with  XXXX  representative  XXXX , she stated  XXXX  records sho w AES  reported a > 60 day late payment in  XXXX ,  XXXX  but did not specify a specific payment that was late. My credit report requested in  XXXX ,  XXXX  also indicates a > 60 day late payment in  XXXX ,  XXXX . Additionally, a review of my credit report requested on  XXXX   XXXX ,  XXXX , does not indicate any late payments on my  AES ac counts in  XXXX .   However, in a phone conversation in  XXXX ,  XXXX  with  AES re presentative  XXXX   ( ID  #  XXXX   XXXX ,  AES rec ords indicate a > 60 day late payment in  XXXX ,  XXXX . No notice was provided to me in  XXXX  or  XXXX ,  XXXX  that I was late on a payment.   I applied for automatic payments using direct debit in  XXXX ,  XXXX  and was approved for automatic payments through direct debiting on  XXXX   XXXX ,  XXXX .   Automatic payments began on  XXXX   XXXX ,  XXXX  to  two loans, s equence  XXXX   (   Unsubsidized )  and  XXXX   ( Subsidized ).    According t o AES repr esentative  XXXX   (  ID #  XXXX   ), AES recor ds indicate their automatic payment system did not apply the correct amount to loan sequence  XXXX  in  XXXX  and  XXXX ,  XXXX . These payments should have paid off loan sequence  XXXX  in full but they did not. As a result of the error in AESs automatic payment system, AES recorded a delinquent payment. However, the erroneous late payment was not reported to   XXXX   until  XXXX  of  XXXX .     As shown in the payment history and acknowledged by  XXXX  a n AES repres entative, the automatic payments for  XXXX  and  XXXX ,  XXXX  were not applied properly at no fault of myself.  XXXX  was to note the system error in the database and forward to the credit review team for correction. I followed up on  XXXX   XXXX ,  XXXX  with  XXXX   (  ID #  XXXX  ) who acknowledged the notes had been made but no further action had yet been taken to correct the error.     Complicating review of the circumstances was the timing of the > 60 day late payment report, which came many years after the alleged late payment. This has made a review of the circumstances extremely complicated and onerous on me as the consumer and further calls into question the accuracy of a late payment.     I am in the process of trying to secure financing for a home mortgage and the delinquent payment has impacted my credit rating and increased the cost of my home loan.
per investigation received XX/XX/18 by XXXX on a XXXX XXXX XXXXdebt illegally obtained through identity theft means. again I had been going through domestic financial abuses from the alleged perp. I obtained multiple XXXX XXXX. could not obtain permanent one on bases of cyber intrusion. I had reported multiple times to XXXX. originally I had made attempts to rectify the debt. at one point XXXX XXXX had offered half the debt. I value my credit and put into consideration. since I hadn't any proofs of whom attempted identity theft. once I contacted back the company had disbanded. no longer was I able to contact. I again repeated attempts once an black market predatory collection agency persued this debt. I believe the perp I kept seeking remedies to stay out of my life maliciously reinvented this black market sale in attempts at hurting me. I contacted once again XXXX identity. thery did more investigative measures anf while my credit bureas reports show no balance under te original creditor XXXX, XXXX and a zero pay status and zero collections.no amounts shown under XXXX XXXX the black market XXXX XXXX the debt buyer SHOWS A BALANCE STILL.IN ALL CREDIT BUREAS. I WAS A VICTIM OF FRAUD IDENTITY THEFT DOMESTIC FINANCIAL ABUSES. I AM SEEKING POSSIBLE REMEDIES IN THE FUTURE ON THST CASE. HOWEVER, THESE DEBT COLLECTIONS, WHILE XXXX HAS DONE AS BEST AS THEY COULD, IT ADDS UNTRUTHFUL CREDIT DEBT ANALYSIS. I AM TRYING TO REGAIN MY LOSSES FOR THESE CRIMES. IT HINDERS MY CHANCE TO HOME PURCHASES AND A MODEST FAIR ONE AT THAT. I ASK FOR THE REMOVAL OF BOTH XXXX XXXX CREDITOR AND XXXX XXXX XXXX  COLLECTOR TO BE REMOVED FROM ALL BUREAUS. XXXX  HAS DONE MUCH INVESTIGATIONS.
I am at my wits end and in tears as i write this to you. I have begged everyone at my mortgage company for help and all has fallen on deaf ears. This has been the worst experience of my life. I am 2 weeks past my closing date and still not closing. I have had to order my own tax transcripts along with many other items i had to do for them to try and get them to move along. I dont understand how a company can do this to people? Please help me!
My husband and i have a auto loan with SNAAC. We trade our truck in on XX/XX/XXXX. The dealership sent the payment to the company on the XX/XX/XXXX. And it sends it was delivered on the XX/XX/XXXX. It is now XX/XX/XXXX and they say they never received it. When i spoke the gentlemen this morning he said the address was wrong. But thats the address they have on the website for payoffs by mail.
On XX/XX/XXXX an unauthorized draft of XXXX was debited to my checking account, without my authorization. XXXX and I declined overdraft protection 2 years ago with XXXX XXXX XXXX  branch location on XXXX across from the XXXX XXXX  XXXX The merchant that debited my account had been given another payment method with a credit card, even though they tried to draft the amount ; it should have been declined. I have repeatedly had this problem with Capital One a few times before. When I talked to Customer Service at Capital One on the XXXX, the CSR said that she had to file a claim. I told her that it was the bank 's error, and that I should not have to file a claim. So, today XX/XX/XXXX, they have added an NSF fee of {$35.00} to my account after I talked to them yesterday. Please help me, they assured me a few months ago that nothing would be debited from my account if there were not funds available. I have called the company that sent the transaction an informed them that it was unauthorized, and that the charges will be reversed. When I made the payment to the business, I told them that it was a one-time payment, and I called them with a new credit card number last week and gave then the new information.. I called them again today ; the business that made the draft. Banks use overdraft protection to get fees from the customers. I will load a prepaid card from now on, and I will not give out my checking account numbers. My account number with Capital One is  XXXX.
I am a victim of identity theft. I have sent supporting documentation of letters and police reports to Equifax in regards to being a victim of identity theft and fraudulent accounts listed on my Equifax credit report. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. The following are fraudulent accounts opened by someone who stole my personal information and identity : XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, MN Child Support Enforcement Division : XXXX, University XXXX XXXX : XXXX, XXXX XXXX : XXXX.
I attempted to add funds to my Blurbird account this weekend. Immediately upon attempting the transaction, it stated that the account I was transferring was not mine and canceled the transaction. The funny thing is that I have owned that account for at least XXXX years, and there is no possible way that it is not owned by me. I then received an email that my Bluebird account was closed. The problem is that I not only have funds in the account, I also transferred last week funds from XXXX XXXX catcher program as well. Right now those funds are being held hostage by American Express since I 'violated ' their terms of agreement, at least according to them. I will take legal action against them if the funds are not returned. The amount of the funds is not important to me, but fairness is.
Homeowner has been under review since XX/XX/XXXX. She is awaiting XXXX and waiting for a XXXX. XXXX. The daily ongoing stresses of loosing her home are a factor in her Health failing with no answer. They approved her for a Modification on XX/XX/XXXX but she missed making her payment due XX/XX/XXXX because she was hospitalized. She got assistance from XXXX XXXX XXXX, which covered all 3 trial payments XX/XX/XXXX and the Lender did not accept it. Since then her Financial circumstances have improved, she now receives SS XXXX. With the information we have submitted for a year reflecting affordability and with the decision they already made agreeing that it is affordable and in range should conclude the same decision with the increase, XXXX.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential financial risk, and, through no fault of their own, forcing those millions to be on high-alert for activity on their credit account for potentially the rest of their lives as their personal identifying information has become public on the undying record of the Internet. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. This puts everyone affected in an even more difficult position than was ever necessary, as we must now be both proactive to prevent damage from the breach of our sensitive information and reactive to fraudulent activity that had free rein to occur in the time that this breach of information was kept secret from us. Furthermore, their response has not inspired faith that they have learned from their mistakes and are making efforts to improve their security, as they flagrantly disregard security best-practices in their attempt to prove that they are taking security concerns seriously : for example, their domain set up specifically as a response to this security breach is a new domain related to the incident -- something that anyone could have registered -- rather than hosting it as a subdomain on their existing Equifax.com domain, which would better indicate legitimacy. By making such a no-brainer mistake right off the bat, Equifax is implying that despite their public statements they privately have no intention to more responsibly handle sensitive information.