WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and me traded in our old vehicle XX/XX/XXXX, from XXXX of XXXX XXXX XXXX, and leased a new vehicle from the same dealership. At the time we traded in the vehicle we were due for our XX/XX/XXXX payment. We understand all payments are our responsibility to make, but when we trade in a car we expect the dealership to pay the old car off within a reasonable time frame. XX/XX/XXXX, I receive a call from XXXX XXXX XXXX stating our XX/XX/XXXX payment had n't been made. I advised XXXX XXXX XXXX that we no longer owned the vehicle and Kia of XXXX XXXX XXXX should have paid it off. I then call Kia of XXXX XXXX XXXX, to inform them the car has not been paid off. I also informed them that now my wife and my credit report reflects a 30 day late. Kia of XXXX XXXX XXXX, informed me that they will provide us a letter to send XXXX XXXX XXXX in order to have our credit reports corrected. I 'm sure Kia of XXXX XXXX XXXX is in some type of violation for not sending the payoff timely. Instead of providing the letter from Kia of XXXX XXXX XXXX to XXXX XXXX XXXX, I disputed the issue with the 3 Credit Bureaus at the beginning of XXXX. 2 of the 3 credit bureaus changed the 30 day late from XX/XX/XXXX to XX/XX/XXXX. My wife and me no longer owned the car as of XX/XX/XXXX, therefore we are not sure why we received a 30 day late, in a month we only owned the car for 11 days. One of the bureaus removed the 30 day late altogether. I called XXXX XXXX XXXX,XX/XX/XXXX and informed them of the issue. The lady I spoke with stated my account ( XXXX ) did not reflect a late payment. She then advised me to dispute the issue with XXXX XXXX XXXX and they will make sure the 30 day late is removed. I disputed the 30 day late with XXXX XXXX XXXX around XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX stating " The disputed information is accurate as reported. '' I called XXXX XXXX XXXX XX/XX/XXXX and inform them of the letter received. The lady ( XXXX ) that I spoke with, needs to be a manager if she is not already. She was so calm on the phone, she was able to keep me from going off on her, even though I my issue was not resolved and I hung up on her. XXXX stated that it was still our fault since we sign the contract that we will make all payments on time and that we need to have KIA of XXXX XXXX XXXX call XXXX XXXX XXXX to have the late removed. I 've attached all the documents I sent XXXX XXXX XXXX, which includes the letter from KIA of XXXX XXXX XXXX.
Wells Fargo has either reported, or caused the report of, a code " D '' ( Default ) in the HUD CAIVRS ( Credit Alert Verification Reporting System ) against my social security number in relation to an FHA case that pertains to my ex-wife. I am in contract on a new home using a VA loan through XXXX and can not proceed with the loan ( current closing date of XXXX XXXX ) until this code is suppressed and converts to an " A '' ( Approved ).
On XX/XX/XXXX and XX/XX/XXXX, I was charged by Paypal for monthly services with XXXX. Approximately 2 hours after the charge, the service was canceled with XXXX, and the money was was refunded in my Paypal account. 
However, regardless of the refund by XXXX, Paypal tried to charge my savings account 4 times, which resulted in {$70.00} fees charged by the bank. 
I also contacted Paypal`s costumer service, and I was explained that Paypal`s system will continue to attempt to charge my savings account until the money is taken out of my account regardless of the XXXX refunds, because the system is set up this way, and the charges can not be stopped manually. 
An email with this issue was send to open complaint case, with no reply whatsoever from Paypal. 

As a result, my savings account was removed from my Paypal account, I had to pay {$70.00} fees to XXXX XXXX XXXX. 

You can find bellow details of the transactions : Paid with PayPal balance XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Invoice ID XXXX Your purchase XXXX, XXXX {$34.00} Purchase total {$34.00} Total {$34.00} Refunded to PayPal balance Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Refund details Refund total ( includes tax and shipping ) {$34.00} Fees {$0.00} Total {$34.00} Paid with PayPal balance XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX XXXX ID XXXX Your purchase XXXX, XXXX {$34.00} Tax {$0.00} Purchase total {$34.00} Total {$34.00} Refunded to PayPal balance Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Refund details Refund total ( includes tax and shipping ) {$34.00} Fees {$0.00} Total {$34.00}
My credit report is showing that I was late on my Chase Mortgage payment in XXXX and XXXX, however, I was late in XXXX and XXXX not XXXX and XXXX, Chase Mortgage told it was the just the way my they report to the credit Bureau ( 30 days behind ) however, that is inaccurate reporting, regardless of how they are reporting this payment to the credit bureau, it should correctly identify on my credit report the dates I was actually late, regardless of how they report it to the credit bureau. Overall, they confirm the XXXX and XXXX late payments via several letters ( attached ), therefore I need my credit report updated to show the correct months, that I was actually late.
My name is XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX female. I writing to request that the information that is on my credit file be corrected immediately, which is causing some of the problems of me obtaining credit and obtaining a business bank account, which I tried to get and failed obtaining from XXXX XXXX. The business that wrote me instead of XXXX XXXX was XXXX XXXX XXXX, which I do n't know anything about and should not have any dealings with or they should not be trying to falsify or make me uncreditworthy by placing false information on my credit file. The address for XXXX XXXX XXXX  is XXXX. XXXX XXXX XXXX Alabama XXXX. The phone number for this bank is XXXX. There is another business I wish to give information about the address is for XXXX Mortgage XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX. The phone number for this company is XXXX. Then XXXX tells me that my credit score is XXXX, which is the worst score you can give a person trying to get a business bank account and trying to buy a home at the same time. I am trying to buy a home, due to living in lapidated housing and, I am trying to get a business bank account, because I am trying to get my business to become financially stable. Also, if possible I was trying to obtain a FHA loan or HOYA grant and loan from XXXX, but that is not possible now, due to the lie of Equifax Mortgage Services. Then XXXX just basically agreed with them and reported a lie as truth on my credit record, which has hurt my business financially and me personally. I am asking that you help me to get rid of this fraudulent information that XXXX XXXX XXXX has on my credit file and that XXXX XXXX has put on my credit record in XXXX XXXX to prevent me from obtaining a business bank account or obtaining any type of credit or cashing a check. Basically, not able to live and exist as a human being should exist. I feel these companies not only violated my civil rights, but also, discriminated against me for no good reason at all, which was based on false statements of a fictitious mortgage ; therefore, hindering me from obtaining credit for me, for my business, to pay bills, to cash checks, to get a line of credit, my poor credit score was due to false information from XXXX XXXX and I will not be able to purchase a house or to move out of my lapidated apartment on XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX inhabitable dwellings in XXXX XXXX XXXX is unsafe and unhealthy for me and my family. In addition to what I have stated, the reason I am writing this information, due to the harmful nature of this fraudulent financial information on my business financially and me financially that is intended to give me a poor credit score, so I wo n't ' be able to obtain credit from XXXX XXXX or any other business bank account for that matter.
Last year, I finished my unfinished basement. It cost approximately {$40000.00} for heated floors, wall to wall cabinets with granite counter tops, and drywall. In XX/XX/XXXX my basement flooded, causing about {$30000.00} worth of damage. My insurance comany, XXXX, wrote an insurance check for approximately {$23000.00}. XXXX wrote the check out to myself, my spouse, and Wells Fargo Bank. I tried to deposit the check on XX/XX/XXXX, at my local branch in XXXX. Wells Fargo told me that they could not release the funds for several days, and then they could only release XXXX of the funds. It has been almost 3 weeks, and they have not released any funds. I have already paid my contractor several thousand dollars to lay new heated floors and tile. That money is MY money, it does not belong to Wells Fargo. I pay the insurance premiums, and I paid for the initial remodel. Wells Fargo, even though they are the lien holder, does not have a right to hold that money. I need the money from my insurance company to pay my contractor, and they will not release the funds. I have a basement full of furniture in storage, and every day is costing me money. Wells Fargo should immediately release my funds, and should also pay for the delay in my project, including storage fees.
I purchased tickets from an independent seller on XXXX on XX/XX/2018. The seller provided me with his name, email address, and phone number as we discussed the transaction. In exchange for the tickets, I transferred {$430.00} to his XXXX XXXX XXXX checking account from my Chase checking account via Chase XXXX ( XXXX ). Shortly after, his phone was disconnected and I never received the tickets. 

I tried contacting XXXX no less than ten minutes after the transaction, and they told me that they were not liable and would not cancel the transaction. I was under the impression that my bank had fraud protection and that I would be able to cancel the transaction in the case of a scam. They were unwilling to assist me and would not even offer a 'courtesy ' refund. This seems unreasonable, especially because Chase advertises XXXX as their own money transfer system. XXXX and XXXX offer these services to users. Chase, a financial institution, should do the same for those banking with them. I have lost all trust in managing my money through Chase.
I have funds available in my checking account at TD Bank that I can not access, I have paid them what was owed and closed my account but they refused to close it and will not release my funds.
I am trying to settle my private student loans with chase for the original amounts that I had taken out for school. I took out XXXX student loans with Chase Bank, both for {$40000.00}. I want to settle for {$80000.00} paying back the full amounts taken out and they will not accept and will not give me a reason why nor a contact number to talk. XXXX now services the loan and will not help and Chase is not helping either.
Im having issues with credit bureau reportingin accurate information on my credit file. fair credit reporting act XXXX isnt being honor through the credit bureau i ask for contract with signature, and documentation copy of social sercuity card and id that supposed to be on file with credit bureau i have n't received those documents i was told that they dont have these required documents in my file they have to get said documentation. from creditor which the law states that these documents should be in my file.
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
On XX/XX/XXXX, I filed a dispute with Transunion concerning a student loan that was reported 90 days late. I provided documentation provided by the creditor that showed the account as having been current for the past three years. The account was never late during the time disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The creditor provided three separate lines of credit, two of which were reported as late. On XX/XX/XXXX, I was informed by Transunion that the investigation had been completed, but when I checked my credit online, only one of the two disputed lines under the same account number had shown as " current '', and the one that was now current and had been reported as late, still showed a missed payment in XXXX which is not correct. I was negotiating to purchase a car under a limited time offer by the State of California 's vehicle retirement program that would provide a down payment towards the purchase of a newer vehicle. That offer would expire XX/XX/XXXX. I had no additional time to wait as another dispute would take 30 days. Therefore, when the Transunion score came back as XXXX, but my XXXX and XXXX  scores showed a corrected report of XXXX after only 24 days since filing the dispute, I was only offered a rate of 7.99 % APR and had no choice but to accept. Transunion 's error and failure to correct the report within 30 days has resulted in an added cost of potentially more than a thousand dollars on this loan. I have asked the new creditor to check the Transunion score as of today, XX/XX/XXXX and provide a lower interest rate based on the corrected information, but they are under no obligation to do so.
I pulled my credit report in XXXX 2015 and saw creditor, " Navient '', reporting a very high student loan balance resulting to over XXXX XXXX. I immediately filed a dispute with all XXXX credit bureau agencies and wrote letters to Navient directly via XXXX Certified Return Receipt mail on XXXX/XXXX/15 & XXXX/XXXX/15 ( they have also changed their corresponding address after I sent the dispute to all XXXX credit bureaus and letters were sent to XXXX addresses ). I requested for validation made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). A Navient Representative and I spoke on XXXX occasions in XXXX 2015 and on XXXX occasions I asked specifically to send written documentation to be sent to my attention and to please cease all calls ; as a result they violated Fair Debt Collection Practices by contacting me the XXXX time. Needlesstosay, all ways of correspondence has resulted in Navient 's refusal and failure to comply. In addition, on XXXX/XXXX/2015, they sent a refund check indicating the following, " ... .During a recent review, it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged, may have caused confusion for our customers. To correct this issue we have enclosed a refund check in the amount of {$40.00} ''. At this point Navient is purposefully violating the Fair Debt Credit Reporting Act, Fair Debt Collection Practices, and defaming my character. I am suffering as they are leaving an erroneous negative mark on all XXXX credit reports.
I'm looking to have XXXX XXXX CREDIT CARD remove any disputed information from my credit report. I am no longer disputing this account ( it still shows the account is in dispute ). Can this company please remove this language from my credit reports? I've asked them time and time to remove them, but to no avail.
Between XXXX XXXX and XXXX XXXX of XXXX, I received 2 notices of being enrolled in XXXX for a Citibank issued account. I have been a customer of Citibank for over 15 years so this could reference a number of things. I have held 4 department store cards, 3 business accounts, and 8 checking and savings accounts issued by Citi in that time.

The 1st notice said that I was enrolled and if I had no knowledge of this to contact them. The 2nd notice stated the same, adding that if I had not provided consent for being enrolled I would be issued a refund.

I called Citibank for a separate issue and asked about the letters. I was transferred twice before anyone knew what I was referring to. While holidng, I researched " citibank accountcare refund '' online and found that Citi will be refunding over $ 7M for illegal financial services billing and account management. 

Finally, I was connected with a credit card department refund assistant. She said that she could n't help me without detailed information from the letter. Because I am traveling at the moment and only have the confirmation number, I did n't have the actual letter. She directed me to the website for more info, which consists of only 2 pages - one to submit a claim and one page for FAQ. The FAQ page only has 11 questions with very little information and no phone number or options to contact Citi. I promptly gave her my opinion of her poor customer service and my disappointment that despite sitting in front of a computer that she did n't even offer to look me up by name or SS #. She responded by transferring me to someone who could. 

The second person was more apologetic about the situation but not much more helpful. She prefaced the conversation stating that her job was to help people access the website and she just so happened to be helping out with this refund situation. She answered two of my questions - if the notice letters were duplicates ( or were they for 2 separate accounts ) ; and which account was the letter was sent. All other questions were not answered. She said she did n't have access to any of my previous information about the account that is being refunded, she could n't tell me the timeline of when these fees were charged, nor when the refund claim would be processed, if I was going to receive the refund at all, nor if any of my other accounts were entitled to refund. She put me on hold twice to contact " account research '' and both times no one in that entire department was available. Finally, I asked for a number that I could call back to follow up and she said she has no other citibank phone numbers except her own.
In  XXXX  I reported m y Wells Fargo cr edit card stolen. At that time the Representative said they would mark my card stolen and I would not be responsible for the charges.Fast forward to  XXXX   XXXX , I started looking in to buying a home and was told there  was a Wells Fargo account showing I still owed a large amount. I knew this to not be correct. I called Wells Fargo and was told my card was never listed as stolen and I was expected to pay.A week later I received a letter from the IRS that th ey would be taking my tax refunds. I wrote back to the IRS that my card had been stolen, they wrote stating I needed a police report and a statement of what happened with a copy of my driver license and social security card, this was sent to the IRS in  XXXX   XXXX . I also spoke t o Wells Fargo ag ain the Representative said they have not sent me a statement since  XXXX . That is when I finished paying my portion of the debt {$2600.00}. I have always changed my address and have had car loans wit h Wells Fargo. Wells Fargo sent  a letter back stating that since I paid they would hold me responsible for the remaining {$5200.00}. Even though I sent in my police report by fax in  XXXX   XXXX . I have not heard fro m the IRS and I did receive my tax return. I will be uploading the documents that were sent to the IRS and Wells Fargo.
Been receiving multiple calls per day from XXXX, which leaves a prerecorded message to call regarding a debt. It also gives an option to speak to a representative. I opted to do this to find out what this is about. The operator asked for a relative, who has never lived with us yet our number was the one they had on file. I told them that the person they seek does not live here and asked to be removed from their caller list. The operator said he could not do this without a new number being given. He also said they are not required to stop calling. 

This is simply harassment by proxy.
I am a single mother with XXXX children, I just went through a horrible divorce that involved XXXX. I am trying to pick up the pieces and put my life back together which includes keeping a roof over my children 's heads. I have a career with a XXXX year job history. Our home is currently in the foreclosure process with Bank of America. My ex husband stopped paying for the mortgage and took all of our money out of the bank when I obtained a restraining order against him. I can afford the mortgage payment go forward however I am unable to make up the back payments. Prior to the divorce being final I was constantly in contact with Bank of America trying to figure out ways to prevent the foreclosure. I was highly encouraged by them to obtain the divorce decree as quickly as possible and get my soon to be ex to quit claim the house so that I could qualify for a mortgage modification. I rushed the divorce to obtain these documents and submitted them only to be told I did not qualify. I was never told the same thing twice. Every time I called I received conflicting information. I retained an attorney by the name of XXXX XXXX at XXXX Law Firm as I feel there have been many UDAAP violations throughout this entire process that need to be investigated. To this day I still am unable to get the same information from XXXX different people at Bank of America on anything having to do with this whole mortgage modification approval/decline process. I submitted the divorce decree and quit claim deed exactly as I was told then I was told by someone else there was no need to do that. They appraised my home for {$500000.00} the first time, when I appealed that they came back with an appraisal of {$450000.00}. I sent in XXXX comparables to Bank of America and gave them the name of several realtors in my area who said the home would not appraise or sell for more than {$370000.00}. Bank of America has ignored that. Where is the due diligence around their appraisal process and ensuring the accuracy of them? How many other mortgage holders homes were over appraised as well in order to decline their mortgage modification?? I believe this over appraisal is XXXX of the reasons for the denial for the mortgage modification but not able to get confirmation around that either. Recently someone named XXXX XXXX called and said I could get my own appraisal done and this was the first I have heard of that as well. There have been nothing but unfair and deceptive acts and practices during this entire foreclosure/mortgage modification process. Please help, I can definitely afford the payments and need to keep my XXXX children in their home.
XX/XX/18-Called Specialized Loan Servicing to inquire why I am not receiving payment coupons. The Representative XXXX # XXXX said my loan was put into 'fourth position '' and this is happening to a lot of customers but the company does not know why. They are in the process of taking each loan number as Customers call to investigate. 

XXXX could not tell me why the loan status was moved. When I requested an explanation letter from the company explaining what has happened over the last several months of payment coupons stopping, she said the company would not do that. Unbelievable! This is unacceptable. I asked XXXX who or what company made the decision to place 3 other debts in front of my loan and to identify the debts. I have no liens. She said SLS does not tell them and she could not tell me, and they would not send me a letter of explanation. I did pay my current amount due over the phone with XXXX who said she would waive the fee. 

I need the help of cfpb because SLS continues in bad behavior and gets away with it. I say this because below are previous cfpb complaint # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXXXX/XX/XXXX XXXX # XXXX
Wells Fargo, I have called for the last week to get a reinstatement letter with no call back. I have left 5 messages with my assigned migator XXXX XXXX. He stated he would call me last week and still hadn't. The company admitted they applied previous payments to the wrong account and I have attempted to get a check recut with no avail.