WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to file a complaint in regards to GAP insurance that was purchased through XXXX XXXX, XXXX, Alabama XXXX ( XXXX ) XXXX for a XX/XX/XXXX XXXX. The car was in a collision on XX/XX/XXXX. The XXXX XXXX has since totaled the car and paid XXXX XXXX XXXX. The XXXX XXXX is XXXX. 
The GAP Insurance Information a fax was sent to XXXX at the Attention of a XXXX XXXX XXXX. Confirming the purchase of this GAP insurance XX/XX/XXXX I thought this issue had been resolved until XX/XX/XXXX. I had not received a notice verbal or written from this company until a XXXX XXXX XXXX of Sum Collections ( XXXX XXXX XXXX called to collect XXXX from me. This is ridiculous when I have acquired the XXXX XXXX as well as sent XXXX XXXX XXXX ext. XXXX the information before the ( XXXX ) day deadline mentioned on the letter that I have. When if I obtained the insurance why do you give only ( XXXX ) days when other individuals are responsible for the accident in the first place. I do not have any control over any insurance company or its employees. It seems as if XXXX and XXXX and XXXX XXXX prey on individuals who they deem unable to fight them back. 
Apparently this is not an aberration. XX/XX/XXXX, there was a complaint filed Complaint XXXX where another person had GAP coverage and again they refuse to honor their commitment, lie, cheat, and steal their way out honoring the contract. I am frustrated in that knowing there are such scavengers willing to prey on the people who are in need decent transportation with less than perfect credit. Take people 's hard earned money, sell them a vehicle, sell an insurance that you know you are not going to honor, and extort monies from them and if they do n't pay you sick the hounds on them. Perhaps a thorough investigation is needed as to XXXX fraudulent and deceptive practice to unsuspecting consumers.
XXXX   XXXX ,  XXXX   XXXX  Conducted VA appraisal for company. They are refusing to pay for this service and are not responding to communication attempts.
I have been working with PennyMac for almost a year in trying to modify my home. Back in XXXX of 2015, I was only 3 months late, and I had also a complete modification package with Penny Mac. While I was on a call with them to ask about the modification, I asked the agent where I can make my mortgage payment, and the representative instructed me not to make any more payments because then I would be denied because it would show I did not have a hardship. I was hesitant as I still wanted to make payments, but Penny Mac agent said do n't make a payment and we can not accept any more payments unless it is the FULL amount. Shortly after that, I received a Notice of Trustee sale even though I was in modification review and it was confirmed that ALL documents were in. But then, when I would call another agent would state that no, not all of your documents are in. They set a sale while I was in review and they are continuing to play these games with me. My brother and his daughter live in the home and I am XXXX right now with my elderly parents. My father was in the XXXX XXXX XXXX, I helped them with their mortgage payments for 6 months and that is why I fell behind, I have sent this proof in to Penny Mac and they are stating my hardship is not verifiable. Please help me It seems like Penny Mac just wants to foreclose without giving me a chance. Please dont allow them to tell people to miss payment and refuse a payment, I am ready willing and able to make payments, I just need a lower interest rate as it is 6.95 %. Please help. XXXX XXXX you.
I had opened a Savings/Checking account set in Citi in XX/XX/2018, and transferred {$15000.00} on XX/XX/2018. This account was opened online through a promotional link on Citi 's website, and if I maintained the balance of XXXX for 60 days, I would be eligible for a bonus. From the time I opened the account, I have never received any confirmation email from Citi that I was signed up for the bonus. I had called into their call center several times, and no rep could confirm that either. So, very conveniently Citi would just have customers open accounts and have them make a large deposit, then provide 0 % interest, and no commitment of bonus. I maintained the balance until XX/XX/2018 ( requirement of 60 days ), and then withdrew XXXX. I had called back on XX/XX/2018, and the rep was confused why I had not received the bonus. She said that I had met the bonus criteria, and I should be receiving the bonus soon. She even opened a ticket for it. 
Yesterday, when I called in again going through a series of uninformed and untrained reps, someone called XXXX from KY confirmed that I was no longer eligible for the bonus as a related checking account got closed. Who closed it and why was I not informed of it before? When I came to know about it, I had opened another checking account within a day of closure. So, Citi very conveniently lures new customers to open new accounts, but their system nor their reps have no record of any specific information.
I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX  did their part and either updated or deleted where XXXX  has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and XXXX  on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX-XXXX  on account # XXXX original creditor XXXX XXXX who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. XXXX  is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under Thomas Agency. They violating Fair credit reporting act and should be held accountable
information is not correct. the balance had been considered as paid due to the fact that I was not enrolled. I withdrew in the allotted timeframe. no money was owed.
Referring back to my complaint with Equitable Acceptance, complaint number XXXX, the company responded saying I DO NOT OWE THEM. Yet i am still receiving phone calls and emails that need to stop. My credit reports have yet been updated with them being no longer on there. The credit bureaus said they would have to contact them themselves and remove it from my credit reports. I have proof of the voicemails and emails that still keep coming to me.
THIS DEBT IS FROM THE XXXX. ON THE DAY IN QUESTION I WENT IN, SOMEONE TOOK MY VITALS AND SENT ME TO WAITING AREA AFTER I PRESENT WITH SEVERE CHEST PAIN. AFTER A XXXX MINUTE WAIT IT WAS APPARENT THAT I WAS NOT GOING TO BE SEEN BEFORE DEATH. SO I LEFT AND WENT TO ANOTHER HOSPITAL WHERE I WAS TREATED XXXX. I NEVER SAW A DOCTOR I ONLY HAD MY BP, AND TEMP CHECKED - THIS CHARGE IS FRAUDULENT.
I would like to file a complaint with Gregory Funding Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX By fax : XXXX I have continuously tried to receive a mortgage statement from Gregory funding. I had a bankruptcy chapter XXXX discharged XXXX 2015. After my discharge it is my right to receive my statements after discharge. Gregorgy Funding has done everything possible to not release a statement to me. I submitted a modification and was denied and now I am going through Keep Your Homes XXXX. One of the requirements is a mortgage statement with balances. I am unable to continue with the process because of their negligence in the rights after my bankruptcy. 
I have delt with XXXX with unknown last name and she has given me mis information. It is important that this gets resolved immediately as though i will not like to loose my home to this issue that can be resolved. Thank You for your time and effort in this matter. 

XXXX XXXX
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX 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.
Collection Agency Midland Funding has purchased my original debt from ( XXXX XXXX XXXX, Delinquent Date XX/XX/XXXX for {$2600.00} ) and illegally re-aged this debt showing in my credit file to be a more recent debt as followed ( Midland Funding XX/XX/XXXX for {$2600.00} ) By this collection aging changing the debt Date in my credit file it looks like I 've just opened an account. I 've been working on my credit for almost 2 years maybe longer and I have n't applied for anything that required me to have my credit pulled.
My wife and I took out a consumer loan with Wells Fargo National Bank XX/XX/XXXX. The loan was repaid by XX/XX/XXXX. We missed paying it back in a year by 10 days. Wells Fargo Bank said we owed {$480.00} interest. I paid {$250.00} in XX/XX/XXXX and planned to pay the remaining balance in XX/XX/XXXX {$7.00} interest was added to the XX/XX/XXXX balance of {$230.00}. My question is why are we being charged interest on interest?
I have sent several letters via USPS Certified Mail requesting that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). Each time I send a letter, they do not investigate the matter, instead they send something back wanting more information from me ( proof of address, copy of social security card, etc ... ). I have sent a total of 4 letters to them over the last few months.
This account was closed on XXXX/XXXX/10 want to be removed from my credit it 's already more than 7 years.
received a collection letter from ic systems XXXX. called them immediately and advised them id theft from ex wife. person i spoke to gave me address and forms required to document the fraud which i sent XX/XX/17. i received a email XX/XX/17 from my credit card co. advising of XXXX XXXX decrease from XXXX which is for this debt. the amount is XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX ga. XXXX the debt collection agency ic systems XXXX XXXX XXXX mn. XXXX
I have no idea why they keep calling me are and they keep calling me and leaving messages for me to call them which is against the law to harass a person for a debt that I do not recall ever receiving a letter but I have lots of messages from them and they are constantly calling me and breaking the law by doing so. It is now not a matter of a collection it is now a method of harassment and it is against the law what they are doing regardless if it is concerning a bill no one has the right to keep calling and calling and harassing anyone.
I got the loans in XXXX. It's 2 loans : one with an original balance of {$6800.00} ( UNSUB ) and the other for {$6100.00} ( SUB ) with fixed interest rate of 4.625 % for both. I have deferred the loan up until 5 years ago and have been making payments for 5 years in the amount of {$130.00} total for both loans. I went paperless and also was on auto pay. I didn't really check up on the loan status and it was naive on my part for trusting the company. I recently logged on to AES now that they have an app. I was looking at the break down of each loan and it doesn't make sense. The difference between my original balance and principle balance for the unsub loan is barely {$200.00} and the difference for the sub loan is barely {$1000.00}. So in 5 years, I have paid them over {$7800.00} ( including interest ) and only about {$1200.00} went towards the principal balance ( total for both loans )? Thats absolutely insane! I looked up the payment history on my account and it only goes back till XXXX of XXXX. Also when I do the math for the payments that they claim went towards principal balance doesn't add up. They also claim I plaid {$4600.00} towards the principle balance, on the website, but again my total owed still doesn't make sense. I called them and they gave me some erroneous explanations I couldn't even comprehend and didn't really do anything to help me better understand. They basically told me to make bigger payments if I wanted to see a significant difference in the principle balance. I just want to know where all my money went and how they are making these calculations. If my original balance was {$13000.00} and I " paid '' {$4600.00} ( as they claim on my account ) then wouldn't my principle balance be less than {$11000.00} ( currently owed ). I didn't have this issue with XXXX ( who I finally paid off ). Also, AES says they are funded by XXXX ( when I logged on to the app ) and I called XXXX but they had no connection to AES and couldn't really help me out. Please help. I feel like calling AES again is a lost cause. I have been and still am burdened with other student loans and this is a very stressful matter for me.
Last month I received a new credit card from discover card. They changed the product that I already owned as I was not using my existing card anymore. The new card looked better therefore I activated it. When I checked my account online it showed a negative rewards balance of {$120.00}. It did n't make sense for me to have a negative balance as I was not using the card much for over an year. When I inquired they did n't give me a an explanation and said they would check and get back to me. I never received a call therefore I called again to check. At that time they said it could be due to returns but since the returns over 2 years did n't even amount to {$500.00}, it was unlikely to get - {$120.00} balance. That theory was rejected and then they said they will get the issue to headquarters and some supervisor would call me in XXXX hrs. Never received a call again. I then sent a message and they replied that a supervisor had left a message on account that it could be due to a transaction that was not paid using discover card. Again it was a theory and they never mentioned the transaction in dispute. Also, how could they offer a reward and then reverse it when the card was n't even used. It did n't even make sense. I again asked for explanation and have n't heard back yet for a week now. I need to know why I have negative balance in rewards and if there is no decent explanation I want the negative balance to be reversed.
I took a personal loan of XXXX out through XXXX XXXX XXXX XXXX in the fall of XX/XX/XXXX. I became delinquent on the remaining balance of XXXX in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sued me and won a judgement in absentia and garnished my wages beyond the amount and fees owed. I disputed the validity of the debt in XX/XX/XXXX in XXXX County court where the garnishment was filed. I settled with XXXX, via a consent order, wherein, they would reimburse half of the garnishment, and I'd make payment arrangements to settle the balance. I have not had my funds returned. My attempts to contact XXXX XXXX, who represents XXXX in the case, have gone unanswered. Furthermore, XXXX XXXX has been paid in excess of the original balance owed, yet the company continues to maintain a lien on my property and is reporting to the credit agencies that I am delinquent and owe the full original balance despite the company being paid in full XX/XX/XXXX through an unlawful garnishment of my pay check.
Capital One keeps denying me for a Credit Line Increase for a credit card i have had with them for several years. The reason behind it according to them is " We were unable to obtain your most recent monthly payment data from credit reporting agency '' I decided to check with the XXXX credit reporting agencies and all XXXX are reporting with no issues. I have never missed a payment with Capital One and my balance is less than {$500.00} on a {$2000.00} limit. I keep getting offers to open a new card with them on the mail but somehow they insist they can not get access to my payment data when I applied for a credit limit increase. I search online and it appears this is a game Capital One is playing with several customers to basically force them to open new credit accounts.
I received a 7 inch XXXX tablet via XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IA XXXX. 
I called the Company and spoke to XXXX, then XXXX. They couldn't connect me to their Fraud Department, but said it would take about 2 weeks for me to receive a return mailing fraud package from them with a form for me to complete. 
In checking on line, this Company is listed as sending packages to victims ; items they did not order and haunting them for payment. I am returning this item but I am very concerned about my credit and what information they have of mine.
A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted XXXX, equifax and XXXX XXXX advising them that the accounts for XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.
Bank of America - MortgageRefuses to provide " release of lien '' - XXXX years after mortgage paid off. 
I can not sell my house - was due to close XXXX/XXXX/XXXX. 

Bank Employees in call center refuse to provide contact person or phone number to help resolve. XXXX employee even refuses to provide her Operator ID # with the bank. 

This is the XXXX time in XXXX years that I have been selling a house and the transaction was derailed by Bank of America 's negligence. 

In XXXX, Bank of America filed a mortgage lien on the wrong house by mistake. Even after admitting the mistake, they refused to remove the lien until I sued in Colorado district court. Only then, someone with authority paid attention - removed the lien - and Bank of America paid my damages. 

Now, XXXX, I am selling a property on which I once had a Bank of America mortgage. I refinanced with XXXX in XXXX XXXX. Bank of America was fully paid off. They failed to remove the lien. Now, almost XXXX years later, I 'm scheduled to close the sale of my house and the closing is blocked by the erroneous lien. 

The Bank agrees they were paid off nearly two years ago and they should have released the lien. Even so, they refuse to do so and refuse to return my call. 

I will be filing a lawsuit again. 

Maybe they will again pay attention only after being sued.
I am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : TransUnion Shows XXXX XXXX Shows XXXX XXXX   Shows XXXX. ( There should be no past due on a collection ) Date of last Active : TransUnion Shows XX/XX/XXXXXXXX XXXX shows XX/XX/XXXX XXXX Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.
On XX/XX/18 XXXX received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via XXXX. I contacted XXXX  via email  asking how do they verify and they stated, " XXXX does not directly verify federal case information to third parties by phone, fax, or email. XXXX also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. XXXX has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. XXXX and TransUnion have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit report.
I had paid {$140.00} to XXXX on XXXX/XXXX/XXXX for usage from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. My last visit to the facility was well before XXXX/XXXX/XXXX. I had emailed XXXX to discontinue my membership and that I have already fulfilled my mandatory XXXX agreement of staying on as a member to avoid early termination fees. I entered into a year contract from XXXX of XXXX. I know for a fact that XXXX has a record of my attendance, and that my last checked-in usage of the facility was before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I received a letter from Dutchess Adjustment Bureau, from XXXX XXXX a debt collector ), as noted in the letter. It says that unless I notify this office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If I notify this office in writing within 30 days from receiving this notice, this office will : obtain verification of the debt or obtain a copy of a judgment and mail me a copy of such judgment or verification. If I request this office in writing within 30 days after receiving this notice, this office will provide me with the name and address of the original creditor, if different from the current creditor. 

I have no idea what this means and they are trying to collect a balance of {$280.00}. Please advise on how I should proceed.
I have been a victim of identity theft. I contacted XXXX   several times in writing letting them know I was and still am a victim of identity theft and I was not trying to open these account. I have requested that they remove the inquiries off my credit report as I did not authorize them.