WillisBack/dataset-financial-user-claim huggingface dataset:
Four years ago a loan somehow was giving and because I may had a hardship at that moment I did get all of it paid interest build up and It went on my credit. so I get a called from XXXX XXXX he said that he is the CEO of the law office and he will file a fraud on me and XXXX stated that I intentionally had a account closed when they tried to get the money out the account. That is not true I Did not have and account close with XXXX XXXX. He threaten to have me arrested and was very smart mouth and rude and because I did not agree with him he slammed the phone and hung up and said he will tell the state that I will not negotiate with him.
Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in 2011 with a balance of {$850.00} Old loan  accounts Closed accounts my ex-wife first name as current wife.
BBVA XXXX closed my accounts out of the blue with no explanation. 
To my knowledge nothing happened with the my accounts that that could result in that. No bounced checks, no negative balance accounts, nothing. That they do n't even care to explain leaves every possibility open, including but not only discrimination
Complaint Description : When I left Virginia I paid off all my bills including paypal, Then Months after I moved I get a bill with late charges that I never made. I called them when I received my bill just saying pay this amount. I told them I have not made any charges since paying it off. They asked me if I denied the charges I said yes I did n't buy anything. They wouldnt even tell me what the charges were, they said they seen that I paid it off and there was charges after that. I told them I did n't make any charges and told them to put it through Fraud. I then received a letter in the mail telling me I 'm responsible for the bill that I did n't make and I appealed the decision, I never heard back anything and then I get another bill with a another late fee or XXXX. I am not paying for charges I did not make and they are not resolving this
XXXX 2017 I purchased a car from XXXX XXXX in XXXX NY. I put the money down and drove the car for 3 weeks when XXXX XXXX decided they cancelled the loan. However I never received a letter to that effect. So I been driving the car but no finaning. Its insured and legal.
One   XXXX   XXXX ,  2017  G  C Services repo rted an unpaid account to my   XXXX   and   XXXX   credit reports. G C Services does not have a license to collect a debt in the State of GA. They are violating my rights per the FCRA.
In XXXX 2016 sent {$2000.00} to a receiver in XXXX using Western Union online service. On the due date the money was not available for receiver to pick up. XXXX WU for 3 consecutive days, and each time was assured money will be available for pick up either on due date or by the end of the day. The last associate helping me suggested to cancel the existing transaction, and to use a WU agent location to send money via their " money in minutes '' service. Which I did. The refund for the original transaction was supposed to take place within 7 to 10 business days. After two weeks had gone by, I did n't receive the refund, and contacted WU again. Over the course of the following month, I called regularly to inquire when and how I can receive my money back. I spoke with multiple agents and supervisors, and every time I was given a time by which the money would be returned to my account. I was promised multiple times that I would receive a call back, which only happened once. It took a month of regular calls and at least 8 hours worth of phone time ( total ) to finally speak with an operator that stated that WU was having " a computer glitch '' and that multiple customers have bee effected by it. He also assured me that a representative from their " offline department '' would contact me before the end of the day to see how I can be compensated for the time I 've spent on the phone trying to get my money refunded. That never happened. I finally received the refund. When trying to contact WU to see what they are planning to do in regards to time and aggravation it took for me to get the refund, I was offered a 50 % discount on my next transaction. Seeing that my usual transactions only cost {$10.00}, their offer equates to a {$5.00} compensation, which is hardly appropriate for the time invested in phone calls associated with this transaction.
XXXX Navient Predatory Loan will not work with us my son has been cut to 15 hours a weekemployment and a fulltime XXXX, I am XXXX. They have lied, mis-represented us while we are struggling to make payments, not to mention that when they were XXXX, we thought we were getting a XXXX. Navient, formerly part of XXXX, Navient has created repayment obstacles for us by providing misleading information, deceptive practices, and failing to act when we need help most. We need financial relief for the Navient Predatory lenders. They also intimated if we fall behind ( which will hurt our- xcellent credit ) they will be more apt to help us. ( What a scam=they make more in the default loan market ) Is n't this Illegal to say this? We spoke with many different people to no avail. We ne need a principle balance reduction or a fixed rate. Most notably i sent a letter to the Ceo XXXX, only to receive a response by XXXX XXXX XXXX x XXXX, again offered nothing! Please Help XXXX XXXX you can Publish, without my name & # thank u
I obtain a auto loan from Credit Acceptance in the year XXXX around XXXX. I was never late on any payments, all my payments were on time. XXXX XXXX my car was impounded by XXXX Police. I contacted Credit Acceptance and informed them of the situation, they informed me to contact their repossession department. When I spoke with them they informed me they will retrieved the vehicle and incorporate the amount into my payments. My payments before the impoundment was {$300.00} after the adjustment my new payments {$450.00} due on the XXXX of each month starting XXXX XXXX. On XXXX XXXX I made the full payment of {$450.00} but the rep. informed me that the rearrangement has been broken and now I owe the total {$990.00} or the vehicle will be disable to drive. I informed him that I was one day late due to my pay day on the XXXX of the month not the XXXX. He stated " Well you a day late and a XXXX short '' how are we going to handle this. I requested to speak with a supervisor, I spoke with supervisor and I made the {$450.00} payment and he told me now the arrangement will be every two weeks of {$300.00} until the pass due is current which will be in XXXX. Every since this incident of the payment in XXXX, I have been harassed, spoken to unprofessional to. Once again I have not missed a payment, when I requested my payment history, the repairs one rep. informed me that I must pay due to the repossession, which was incorrect information.
I began going through a divorce XX/XX/XXXX. After which I was unable to continue payments on my XXXX XXXX XXXX credit card. Once I was able, I began making payments to XXXX XXXX XXXX and paid the balance owed in full on XX/XX/XXXX. During this time period I received notice from XXXX Card Services that my account was delinquent. I notified them I was paying the dept to the original creditor and that it would be paid in full. At some point Asset Acceptance LLC purchased the debt as well. I wrote to Asset Acceptance and asked them to remove the information and I sent them a copy of the final payment I had sent to XXXX XXXX XXXX. In return they sent me the attached letter dated XX/XX/XXXX. I NEVER sent any payment to Asset Acceptance LLC. I have tried unsuccessfully to have this negative information removed from my credit file but they continue to report and re-date the file. They continue to knowingly report inaccurate information to the credit bureaus. Please help.
Credit Control Services Inc is  reporting negative information on my credit report. I have reached out to them and the people who " supposedly '' sold my account to them. I have NO CONTRACT with them nor the companies who sold them my information.The negative reporting is damaging my credit file. They are unable to provide any documentation that I have an contract with them. The address they have affiliated with this file is not mine. I offered to provide them proof of my address where I have been living for almost two years.
I contacted XXXX XXXX to commence services with them and was told that my monthly bill for two years would be around {$55.00} per month. At the end of the first year, I received word that it would be doubling. When I called to inquire about it, one of the " customer service representatives '' told me not to worry about it, but she would lock in the first year 's amount for the second year. This did not happen. I tried multiple times to work with XXXX XXXX, but to no good end. So, I cancelled my service and I was told that I had to pay them several hundred dollars for the remainder of the contract. I told them I would continue to pay my monthly bill until it was paid in full and throughout the remainder of the contract. They told me they would turn my bill over to a debt collector. Today, I received the attached document in the mail from Credence. I tried to tell the gentleman that I would continue to pay on the bill until it was paid in full. He said, " We don't have that much time. '' I am able to pay them {$44.00} for the next four months.
I was contacted XX/XX/XXXX regarding a debt that they said was owed from XXXX XXXX from XX/XX/XXXX. I moved from an address in XXXX, MA on XX/XX/XXXXand at that time disconnected my XXXX XXXX service and paid off my bill for {$500.00}. The lady on the phone could not tell me my last payment or when I disconnected service. I called XXXX XXXX and they told me to call back the collection company. I have not received a phone call, bill, or letter from anyone since I moved and disconnected service.
I received the results of my dispute back from Transunion, but it doesnt look like they reviewed anything I sent them including the documentation I provided. Instead, they applied my Bankruptcy to ALL my accounts ; whether it was valid to do so or not. This includes accounts that are current, those that were paid off years ago, all Student loans- both paid off and currently due ( now showing as closed ) ; a judgement and mortgage loans that were not discharged but paid previous to the BKXXXX. I now have XXXX new erroneous key derogatory 's on my report because of this and even more serious items to dispute than the first time. I need your help in assuring that they correct the errors they 've created and actually investigate the items that I am disputing this time. Thank you.
RUSH CARD is a prepaid company that will pay you your check 2 days early.however I did not get paid two days early however when I did get paid they took XXXX from me which resulted in an overdraft charges to my other bank. I went to pay for food and the card decline after being told they fix the issue based off there website. I have tried to contact customers service and.after u press XXXX for.Customers service they disconnect the call.
I have tried unsuccessfully many times to send money online through moneygram. 
I have spent hours on the phone, verifying my identity & having moneygram 's " security department '' verify my identity as well. I have yet been able to complete a transaction online, because moneygram continuously denies me services. On XXXX/XXXX/15 at XXXX EST is the latest example of moneygram 's discriminatory practices against XXXX. I tried to send money to my family in XXXX & was denied service. This has happened at least 6 other times with moneygram. As I said I have proven to moneygram who I am and that I have a need to send money to my family. MoneyGram has a long history of overcharging XXXX or denying services to XXXX. This practice must be investigated & MoneyGram must be held accountable for their actions/
I had fraud on my account XX/XX/XXXX and my husband said he was taking care of it and it the meantime XXXX or XXXX accounts were open in my name that I was unaware of and XXXX stayed open from XX/XX/XXXX until XX/XX/XXXX. My husband tried to deposit XXXX checks in which one was deposited at around XXXX in the afternoon and we were at the bank before they opened to make the deposit but it was already sent and returned overnight. The other was for a job he did and when he deposited it in his account they said it would be available the next day so he deposited a check in my account and it came back so now the branch manager at the us bank XXXX location is closing my account based on this XXXX account even though I have been with them for around 16 years and always in good standing. When I went to the bank I found out that a credit card was charged off in my name that I had no idea of. I tried to explain it to the branch manager XXXX XXXX and he said he wanted proof even though the us bank fraud dept is mailing us a packet and he spoke to the banker who spoke to them. he also said he wanted proof that we filed a dispute with the credit bureaus which they did not send and they said you wont get a response for 30 days. It is my opinion that this guy did n't want to do his job and look at my history because he admitted he was just basing this off this account and he had the right to keep it open according to the operations division that suggested me at a high risk even though I have excellent history with them. When the first check came back they put a hold on the account on XX/XX/XXXX and did not notify anybody and the accounts that were opened were done through direct bank but yet nobody found it odd that someone would open XXXX accounts within a months time and no activity. I explained to him that I just wanted my account open and if it happened again then fine close it but he was not customer friendly at all even though I sat on hold to operations office for a while listening to how us bank is customer friendly.
On XX/XX/2018 I went to XXXX to try and buy diapers and meds for my sick kids when I went to check out the total came to {$130.00} so I wrote a check and gave them my ID as well. I recently got married and my last name changed so they asked for more identification since my check and Id had different last names even tho all the other info was the same. So I gave them my debit card that had the correct last name as well and the manager requested I enter my pin for verified I did and he called the bank and verified everything and then still stated he couldnt accept my check or my debit card for the purchase so I said nevermind and left. The next morning I woke up to a charge from that exact XXXX store for {$530.00}!!! I called chase immediately and disputed the transaction and they issued me a temporary credit. Then on XX/XX/XXXX I received a letter in the mail from chase stating they made their decision and were reversing the credit and removing the {$530.00} from my account. I called and tried to appeal this decision but because I didnt have a receipt or anything saying I canceled the transaction ( which I never authorized the transaction in the first place nor did I authorize them to charge ANYTHING to my card ) that there was nothing they could do! I spoke to 3 different managers and no one helped me. So on XX/XX/XXXX they took the {$530.00} back out of my account causing me to not have the money for my kids XXXX gifts or to pay my cell phone and car insurance payments. I have told them I never authorized any charge from that XXXX let alone over {$500.00} I never spend that much. We are a lower income family on a fixed income I am XXXX XXXX and have XXXX XXXX XXXX XXXX children.
I have been a member of Continental Finance gold master card for many years. I have experienced fraudgelant activity as well as other issues. Since I have cancelled my card and asked to pay off the balance back in XXXX 2015, I have not been able to pay my bill off nor even talk to anyone to get satisfaction. I keep being told that to pay my bill online they have recently updated there website and that the wait time will be 20 to 30 minutes, which I wait and wait and wait. For one month now I still can get no answer to get online to pay this card. Please help me nail these people for all off the lying and fraud. I get phone calls from them and also have been called at work. Why?? I have no idea. I am not late and I have cancelled the card only remaning unable to pay it off me wish it farewell. 
off.
This company has a bunch of misleading information about my credit for other Banks and needs to be deleted from my report did not give them permission to store my information on their system they need to delete the fraudulent items immediately I called them up many times with no answer I talk to one person there who was very rude and belligerent and abrasive these people are causing me not to have a bank account and causing me financial hardship
Recently a '30 day late ' appeared on my credit reports with TransUnion that I noticed in XX/XX/XXXX. I  disputed this item because I was not late. The vendor is XXXX XXXX XXXX XXXX XXXX which was merged into XXXX XXXX XXXX XXXX XXXX around 6 or 7 years ago. The '30 day late ' appears as a XXXX XXXX XXXX XXXX XXXX but the same loan has no negative marks when it was converted to a XXXX XXXX XXXX XXXX XXXX loan some time around XX/XX/XXXX-XX/XX/XXXX. This '30 day late ' also  cause my credit score with TransUnion to drop 109 points in Late XX/XX/XXXX or early XX/XX/XXXX.  Since XXXX XXXX XXXX XXXX XXXX does not exist it is in my opinion that XXXX XXXX XXXX XXXX XXXX need to correct this '30 day late ' issue by removing it from my file and TransUnion needs to fix my credit score that recently dropped 109 points. The late appears sometime in early XX/XX/XXXX in either XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. Different reports have different dates. 
Thank you, XXXX XXXX XXXX, XXXX, MN XXXX
Received a letter from FBCS , INC that I owe them XXXX for a dental debt. Called the dentist office was told they never use this company and my debt was paid in full in XX/XX/2018. Called the collection company spoke with XXXX   XXXX, she informed me that my dental office hired them to collect this debt. Wanted a receipt showing I paid this in full. Called back to dental office I was advised to send them nothing as my dental office did not hire them, and does not know how they got this information and the account number on this letter is not even mine.
I recently had a reoccurring transaction put my bank account in the negative by {$4.00}. I was going to attempt to deposit cash in an ATM after work to rectify this. However, by the end of the evening, XXXX transactions from the two days prior had cleared and I was charged overdraft fees for both. Now I was at negative {$74.00}. My bank then cleared the rest of my transactions by the following morning, for a total of {$280.00} in fees. I called and explained that there was funds when those previous transactions went through but my bank claims I had been negative for several days. This would not have been the case if it were n't for their fees.
I applied for re-modification loan file with Bank Of America starting months ago with my husband but was decline with my husband due to LTV/ratio and was told was qualified to do a short sale ; however due to changes in my marital status, I re-applied on my own immediately right afterwards. Bank Of America still had all my information from previous loan application submitted with exception of the separation/divorce agreement ; however other than my processed application, Bank Of America kept requesting the same information over and over again that was given previously one being the XXXX. I sent them the actual Tax Returns XX/XX/XXXX and the signed XXXX a few times. They requested the my HOA information a few times after I forwarded this information to them and all this was before there was a Foreclosure date of sale date on my home. After all this I finally received a letter in the mail stating that my home was schedule to be foreclosed on XX/XX/XXXX and at this time the only document underwriter was awaiting for was my Separation/Divorce Agreement I sent the a copy of the agreement but it was signed to show proof of my situation. Prior I spoke to a Manger who informed me while speaking with underwriter that only document awaiting was the Separation/Divorce Agreement to complete the review and postpone the Foreclosure on my home, I forward the information once signed and notarized on XX/XX/XXXX from my attorneys office as requested and received fax confirmation that documents were received with all the pages. I called Bank Of America per instructions to verify and Representative stated they did n't receive the documents even though I had a confirmation stating they did. I refaxed and was told by XXXX XXXX that I was too late and possibly the foreclose will still go through even though I was told by Office Manager that once I faxed the required document needed the Foreclosure will be postponed to allow the Underwriter to complete review and inconveniently non of the conversation I had with the Office Manger was documented within the system per XXXX XXXX that happened on XX/XX/XXXX. I 've been given nothing but the run around when seeking assistance with trying not to lose my home with the constant request of documents already given and having to keep giving the same application information like my income which was done on previous application and new application entered only to receive no help. I do n't know what else to do. If I lose my home I do n't have anywhere else to go.
Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now from XXXX XXXX XXXX and they have denied me multiple times. And recently XXXX XXXX XXXX transferred my loan to Seterus. I told Seterus I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of XXXX payments. I told them I can not afford that and I asked them to apply me for a loan modification. Seterus sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the Seterus loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me because I 'm not eligible for this program. 
At this point I applied for the Making Home Affordable Program and faxed over a full packet to Seterus. After some time I get a letter in the mail that I do not qualify for this program either. 

I recently faxed over the Making Home Affordable full packet to Seterus again in hopes for an appeal for a loan modification. How can I not be approved for " ANY '' modification? Even the government XXXX. I feel I and my family are in a very tight spot with Seterus and we do not know what else to do. I can make monthly payments for this loan of around {$1100.00} for the loan, insurance and taxes. That is an amount I can afford. Please help me to get a loan modification.