WillisBack/dataset-financial-user-claim huggingface dataset:
auto loan from ally financial 6yrs agreement, I paid 3yrs without late any month, unfortunately I loss my job late XXXX I lost my job and I did ask the bank to lower or stretch my finance because of loss job the bank said they will take the XXXXlate payment and they will investigate and see where to place me on refinance category, fortunately I have n't had anything from then so I cont inued to hassle and pay my bills for 4 month without late then I called the bank and asked again they said it still under review I should get a notice in the mail 9month later XXXX I asked them again they said in 3month I should receive a call or letter in mail so I continue 7month payment by XXXX XXXX things were not well and I asked the bank again and they kept asking me to keep paying a few months I should qualify for a program, which will be able to cut some interests and month I owe, I did referred them that 4times they have promised me and no results, so they told me how do I make payment on my other bills and how do I pay my rent and feed my self? they did called me XXXX XXXX for a while until I notify the creditor I want to keep my truck if you reconsider about my loan then my loan balance was {$8200.00}, i paid from $ XXXX.so they told me they will take the truck and auctions it and I will be liable a\still for the same amount because they 've made their money last yrs that I paid so later XXXX after they took it and I surrender it they sent me a letter told me the truck was sold {$5500.00} or more XXXX XXXX XXXXmiles snow plow and package was include only plow cost XXXX and truck worth around {$7500.00}, so the letter said it sold XXXX $ and I still owed themXXXX $ then later after 3collection company bought and adjust the numbers it came up XXXX while XXXX they said was XXXX then XXXX then XXXX the in credit profile says XXXX, i have tried my best to contact them on XXXX and they just give me a contact number when I called them I leave messages and no one call back
On or about XX/XX/XXXX, I acquired a loan from the above-referenced company. All my payments have been made on time. 

On XX/XX/XXXX, I emailed the company to inquire what my payoff was. I received the following email from them : " Dear XXXX, Thank you for your email. 
Please be advised that Blue Trust Loans is unable to do same day debit transactions. Your loan balance for the earliest available pay off date, XX/XX/XXXX, is {$900.00}. Please call before 4 PM EST today if you would like to have the balance be debited on XX/XX/XXXX. '' I did not pay off my loan at that time. 

On XX/XX/XXXX, I emailed the company to see what my current payoff would be. I received the following email : " Dear XXXX, Thank you for your email. Kindly note the amount you quoted below does not include the interest accumulated up until XX/XX/XXXX. As shown in the payment schedule {$800.00} is the ending principal after the payment is made on XX/XX/XXXX. 
Your loan balance on XX/XX/XXXX is {$1000.00} which includes {$800.00} as Principal and {$210.00} as Interest for the entire period. '' It would appear that my payoff amount was lower in XXXX than it is in XXXX, despite having made all my payments on time. 
This seems like a scam.
I contacted Lendup  Card Services to close my account and was told I was not allowed to close my account.
I have a loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.
PayPal has failed to comply with the Fair Credit Reporting Act by taking adverse action against me and refusing to provide the name, address, and phone number of the agency that provided them with the consumer report they used so that I may obtain a free copy in order to dispute the inaccurate information contained there in. 

1 ) PayPal uses a verification process that includes matching your phone number to a consumer report. 
2 ) If PayPal does not match your phone number, they take adverse action against you by restricting how much money you can withdraw, refusing to allow you to connect your bank account for withdrawals, and charging you to receive a check. 
3 ) This action applies only to consumers who do not pass their verification process. 
4 ) I submitted my own phone number registered in my name. 
5 ) When PayPal ran their check, they said it was not mine. 
6 XXXX PayPal failed to provide the name of the reporting agency they used even after I requested that they do so. 
7 ) When I specifically referenced the FCRA, PayPal said they refused to owner requests for information by individuals and required a subpoena from an attorney or law enforcement XXXX. 
8 XXXX These actions are preventing me from learning what consumer reporting agency has inaccurate information about me so that I can correct it. 
9 ) It has also cost me money to receive checks rather than direct deposits that I would not have paid but for PayPal 's taking adverse action based on information in my consumer report.
Back in  XXXX   2016 m y monthly mortgage pa yment with Ocwen Loan Servicing wa s raised to a level that I could no longer affor d ( fr om {$3400.00} to {$3600.00} per month. ) I spoke with the bank about alternatives and they said that I needed to file for a loan modification. However, to even be considered to needed to late on my payments. So I stopped paying for 5 months, and applied for a loan modification. My loan modification was accepted and the monthly payment went from {$3600.00} up to {$4100.00}. I filed an appeal which was denied. This clearly is a payment I can not afford. Loan modifications should be reducing the payment not increasing it!
Transunion fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
XXXX continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.
On XX/XX/2018 {$500.00} worth of virtual currency were stolen from me, using a social media scam. I reported the theft to the company Coinbase, that I had used to transfer the currency. The company responded with an email that said that it was not possible to trace virtual currency transactions, and that transferring such currency was not only risky, but only possible thanks to a complete lack of consumer recourse. I told the company that my rights non-negotiable and then filed a complaint with the XXXX XXXX XXXX. The following Monday, XX/XX/2018, after having received the XXXX XXXX XXXX complaint, the company responded with another email that said it had now locked and disabled my account due to security reasons. This constitutes severe harassment and severe discriminatory practices on behalf of this company. So far Ive lost considerable sums, due to numerous factors.
I have an unauthorized inquiry from XXXX XXXX on my equifax credit report that I would like deleted.
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXXXXXX XXXX2018/ XXXX XXXX2018,  XXXX XXXX, 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
On XX/XX/XXXX I, XXXX XXXX XXXX, closed on a mortgage with XXXX XXXX ( formally known as XXXX ). Prior to closing, I purchased a title insurance policy with XXXX XXXX XXXX XXXX for a {$730.00} premium to insure me against any title defects ; moreover to assure me, the buyer, that I have purchased a valid title, up to {$130000.00} ; which was the original cost of my home ( SEE LINE XXXX of the HUD SETTLEMENT STATEMENT I SIGNED AT CLOSING ON XX/XX/XXXX ). The XXXX employer, who supplied the closing documents, confirm with me during the signing process at closing that I did in fact purchased a title insurance policy that will be mailed out to me by XXXX XXXX XXXX within XXXX business after closing. 
It has come to my attention via the Independent Foreclosure Review that I may have been sold a home by XXXX who really did not have the right to sell me this home. It is my understanding that a title search is a means of determining that the person who is selling the property really has the right to sell it, and that the buyer is getting all the rights to the property ( title ) that he or she is paying for. In those transactions where title insurance is involved, the title company must determine insurability of the title as part of the search process. 

Unfortunately, On XX/XX/XXXX, while I was at work, I, XXXX XXXX XXXX, was forced out of my home by which XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, etc. with the motive to cover up all loose ends of this mortgage transaction by which they stole my locked file cabinet that housed all of my important files and documentation ; which included my title insurance policy, monthly mortgage statements, deed, birth certificates, etc. Nevertheless, my copy of my closing packet was at my mother 's house, due to the fact that when I closed on my home I went to her house and left that packet with her. As a result, my mother put it up for safe keeping, by which XXXX was unsuccessful in disposing of corroborating evidence of a mortgage that should have never happened in the manner by which it did. 

To ensure XXXX XXXX XXXX did not facility mortgage fraud via racketeering, illegal kickbacks, etc., I request the CFPB to see that XXXX XXXX XXXX to provide me with a copy of my Title Insurance Policy, along with a copy of the chain of title performed by XXXX XXXX XXXX which allowed me and XXXX to legally enter into a binging mortgage contract to permit us to successfully close on this mortgage on XX/XX/XXXX.
I have been a customer of TD Bank for a few years now. I recently learned that this bank is charging me about {$5000.00} in overdraft fees from several bank accounts that I 've had with them. Till this day I do n't have any stamens explaining how the overdraft and these accounts accured. However I also learned that TD Bank has been sued and the pass for illegally charging people overdraft fees on their accounts by we are arranging the order of transactions from the highest number to the Lowest number in order to charge overdraft fees per transaction. I recently had a account that was closed by them because they stated the account was overdrawn over {$700.00}, after the account was closed I had a deposit come in for {$930.00} which was a payment from my employer from a pension. I contacted the bank and requested to get my money from them as the account was closed I also received a statement from them telling me that my balance was XXXX on that account and they had a deposit of {$930.00} in my account. I tried speaking to a general manager at the TD Bank XXXX XXXX XXXX XXXX and he was not very helpful. also called TD Bank 's when he XXXX number at the regional office in New Jersey and the customer representative on the phone was not able to help me. I am seeking information on these accounts and have these overdraft fees wiped by TD Bank I am seeking information on these accounts and have these overdraft fees wiped by TD Bank and I am also seeking my check of {$930.00} to be returned by TD Bank to me.
I have periodically received solicitations from this company and they have always looked too good to be true, but XXXX one I received on XXXX had a ridiculously low rate and APR that I knew could not be had. I called the company and stated I wanted to take advantage of this 3 % 30 year fixed rate on my home, my credit is excellent and value is there and he stated he could not do any better than the 3.75 % I had. I stated I wanted the rate on the letter and he said he could not do it.
I was a victim of mortgage fraud and have been trying to resolve this since 2008 and have not been able to. I received a call from XXXX XXXX stating that he was a representative from Country Wide who helped customers that had problems refinancing their homes. My understanding with XXXX XXXX was that I would refinance my home on terms suitable and I agreed ( after several meetings ). Later, XXXX XXXX told me that I would benefit from a " special financing '' program and that this was the only way to refinance my home. The special financing was that I could remain in my home and have a lower mortgage payment. I did not understand that the special financing was to tell my home to a third party and then have it Quit Claim Deeded back to me ( I learned this after the fact ). 

XXXX XXXX told me that I would need to make payments for the mortgage to XXXX XXXX XXXX in XXXX XXXX, CA ( which I did ). Several months later notices started coming in the mail for XXXX XXXX so I decided to open one. At this time I found that a XXXX mortgage had been obtained and payments were not being made ( I had no idea about this ). I went back and opened others and found out the XXXX mortgage payments had not been made either, despite the mortgage payments I made to them on-time monthly via cashier check. I contacted XXXX XXXX immediately and he told me payments had been made and it was a clerical error. That he would get back to me and never did. 

My son and daughter-in-law insisted that I contact the XXXX XXXX County District Attorney 's Office and I did just that. The DA conducted an investigation and Investigator XXXX XXXX informed me that this act was deemed fraud and issued me a case number ( case # XXXX ). He also informed me that the FBI had been notified and that XXXX XXXX and his associates had been doing this type of business throughout the XXXX XXXX XXXX XXXX as far as XXXX and further. I have contacted B of A on several occasions and they have not helped me. I filed for bankruptcy protection ( chp. XXXX ) and that did not help either. I have attached documentation proving the company that refinanced my mortgage was sanctioned for fraud by the California Dept. of Real Estate. I hired an attorney in 2008 and Bank of America refused to respond ( the original loan is a Countrywide loan ). Today, no attorney will take my case and I am now at risk of losing my home to foreclosure. I have attached supporting documentation. 
My home loan is in the name of XXXX XXXX who quit claim deeded the property back to me. After the XXXX XXXX County DA 's Office Inspector XXXX XXXX investigated this matter, he informed me that XXXX XXXX does not exist and that I am a victim of mortgage fraud.
My XXXX XXXX loan was acquired by Nationstar Mortgage in XX/XX/XXXX. All servicing transferred to Nationstar. It is a simple interest-only loan. Upon transfer, Nationstar started calling me saying that I owe them a bunch more money on my mortgage for insurance/taxes escrow that transferred over from XXXX. No such escrow ever existed at XXXX, and I 've always only paid my interest-only mortgage. I 've been on the phone with Everhome for 7+ hours on 4-5 different occasions, and on 3 occasions they told me the issue was resolved. On 2 occasions they promised me a call back, but I never received a call back in either situation. I keep getting calls and mailings telling me that the issue is not resolved, and I owe them more money. No one has been able to explain why they keep trying to charge me more money, or what the heart of the issue might be ( see attached letter from Nationstar showing how all they can figure out how to do is restate the problem, not solve the problem ). Either they are inadequately staffed to process my mortgage correctly, or it 's some kind of scam to get unaware customers to pay them more than they own on their mortgages. I 'm increasingly in the latter camp given that unprecedented effort and continual promises of resolution have resulted in no progress. It 's quite surreal that such an incompetent institution can be allowed to operate in this manner.
Hi, I made a payment to Capital One, my credit card company, on Tuesday XX/XX/XXXX with my debit card, over the phone, the way I usually do. 

They still have not presented the payment to my bank, it is now a week later. 

It seems clear that they are holding this payment until after XX/XX/XXXX because they hope that my bank account will not be able to cover the payment and that I will then have charges and a higher interest rate to pay. 

Is this a new way the credit card company has found to increase its revenue, Can they be doing this to others as well? 

When I called customer service they said the had the right to hold my payment. 

Are they allowed to do that, it seems that they should have to present my payment to my bank within a day or two of it being made.
Chase is the bank I will no longer bank with. 

On XX/XX/XXXX I had a negative charge of XXXX and I deposited {$10.00} to make it positive. 

I awoke to find out my bank account is negative XXXX. This is because of two overdraft charges that should n't be because I took care of it {$34.00} each one for XXXX which was the negative charge and the other was XXXX XXXX which was taken care of because I originally had them stick to their XXXX when I paid a {$30.00} stop payment on XXXX XXXX. 

Now I have this charge when I paid a {$30.00} stop payment and I covered the negative {$9.00} something. 

Please take care of this as I have never had a problem like this in which I wake up to this disaster. I am so upset that I woke up to this.
Had received multiple phone calls a day from OMEGA RMS. When I finally did speak with them, because it was bringing my credit score down, they told me they were collecting a debt from XXXX, a spa in XXXX. The contract amount owed was {$2900.00}. I had a contract with XXXX which I broke, because they had taken money from my account without my permission and far beyond what I owed them per month ( {$1200.00} in two days. ) OMEGA explained I still owed the balance of the contract, which I refused to pay seeing as how the company treated me. So I called XXXX directly. They then called OMEGA, and OMEGA called me back, saying my total amount had been lowered from the original {$2900.00} to {$1100.00}. I agreed to pay it, in two payments two weeks apart. They sent me a written form stating this was the new amount owed and once paid, the debt would be cleared and also removed from my credit information. 

Today, 9 MONTHS LATER, I am receiving a phone call from a new debt collection company, XXXX XXXX XXXX, is trying to collect the " remainder '' of the balance - the exact amount that OMEGA had taken off what I owed ( {$1700.00} ).
Getting repeated harrassing phone calls stating there are two allogations against my social security number for unpaid debt and that they are sending a process server to my home, which never actually happens of course, but the calls are getting annoying.
On XX/XX/XXXX, XXXX charged my BBVA Compass XXXX card {$170.00}. The correct charge should have been {$59.00}. I contacted XXXX immediately. The customer service representative told me nothing could be done. On XX/XX/XXXX, I filed a dispute with BBVA Compass alleging fraud. The complaint number with BBVA Compass is # XXXX. I asked that the full amount of the charge be reimbursed and the 4 ( {$38.00} ) overdraft fees. On XX/XX/XXXX, I filed a complaint with the police. On XX/XX/XXXX, I spoke to the customer service department at XXXX regarding the police report and my intention to file a CFPB report. The customer service representative was able to refund the fraudulent amount. On XX/XX/XXXX, I contacted BBVA Compass to inform them that the refund was issued. I asked that the four {$38.00} overdraft fees be reimbursed as they were the result of a fraudulent charge. BBVA Compass refused to reimburse the fees even though if the fraud had not occurred, none of the fees would have been charged to my account. The customer service representative at BBVA Compass stated he could only refund {$76.00} of the {$150.00} because my account is less  than a year old. I explained that the fees were a result of a fraudulent transaction. The representative refused to refund the remaining {$76.00}.
yes on my moms walmart credit card our monthly bill went from XXXX a month too XXXX a month??? we did not really charge that much for it too go up XXXX more a month???? so we would like a explanation not happy????? i do have power of attorney im her son XXXX/its in your records?????
This debt is inaccurate. I have asked Cavalry to provide me with the original documents for this account and they have failed to do so. This account is re-aged and the amount has been changed. I do not owe what they are reporting!
I closed both Continental Finance credit cards ( XXXX ) and ( XXXX  ) due to the excessive fees they charge so no further activity could occur. Due to XXXX XXXX XXXX and doctor bills related to these XXXX I am late on my payment. Day 1 they started calling multiple times at very inconvenient times, on a two hour interval. I work from XXXX - XXXX through the week and they are calling while I am at work starting at XXXX central time up to XXXX and they call one time then I turn around and another call is right after it. When I received more calls after I told XXXX in customer service do not call again as Continental Finance has called excessively per day when he called on XX/XX/2017 at XXXX or XXXX, he said he would remove my phone numbers so I wouldnt get any more calls but I have received several more. I am considering further actions with the court system concerning violation of The Fair Debt Collection Practices Act ( FDCPA ) for amount I have heard about as I have consulted a lawyer regarding this wrong practice.
XXXX XXXX has been reporting a fraudulent debt on my credit report for a few years. I've tried to dispute the debt thru the credit reporting agencies but it always comes back verified. 

I'm a victim of identity theft and have attached my FTC report along with my homeless veterans letter. 

I pretty sure the account doesn't belong to me because I havent had a stable address in over 7 years. 

Please remove the fraudulent account.
Nationwide recovery system XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX Put a negative charge on my credit report report rthey said I owed XXXX XXXX XXXX XXXX the sum of {$1300.00} They have an open date of XX/XX/2018.They failed to notify me that they were doing this and didnt give me a chance to dispute this. This same charge was put on my credit report 3 years ago I disputed the charges and was found to be in my favor and was removed from all 3 credit bureaus. It appears that nation Wide Recovery System has purchased this from some other company and put it back on my credit report
Citi offered a promotion that awards XXXX Thankyou points when you open a checking account using offer code XXXX before XXXX/XXXX/2015, and make XXXX bill pay within 60 days after your account opened. So I applied that citi gold checking account on line with the offer code XX/XX/2015, and did XXXX bill pays within 60 days. Also I checked several times with Citi representatives, and they confirmed that I am qualified for that offer and will give me the XXXX Thank you points within 90 days. But now 90 days past, and they rejected to honor the XXXX thankyou points.
this company is trying to collect a debt i do not own, As I was checking my credit i have found this collection which is affecting my credit granting.