WillisBack/dataset-financial-user-claim huggingface dataset:
I took out the loan on XX/XX/XXXX. I was told at the time of the sale by the dealer and the finance company told me the same thing that I could refinance after 12 months of paying my payment on time. Not true. I would have never signed any paperwork at this amount knowing that I couldn't get a lower interest rate. I have completely struggled to pay my car payment over the last 4 years. I finally got my credit score so that I could trade it in but over the last few months Ive been in a traumatic apartment rental. I never received any paperwork about my car being reposed in fact the day before it was repoed I got a rehabilitation email saying they would work with me so that I could keep my car. They never gave me a chance to respond because the car was taken a few hours after I got that email. I called about how much I need and the first amount I was told was XXXX then I got paperwork dated XX/XX/XXXX and the amount was XXXX then I called again just to see what I would be told and it was XXXX. On XX/XX/XXXX I called and requested them to email me the amounts and was emailed another customers load paperwork. I called to alert them and at first I was told that they don't make mistakes like that but then I started reading it to them. They took the account # and asked me what I was going to do about it. This morning I called the New York State Attorney General 's office and they told me that it is against the law what they have done. But my question is that can not guarantee that they sent the other person my paperwork. I have asked for the return of my vehicle, the derogatory marks off of my credit, and forgiveness of the remainder of the loan. At first they were going to return my vehicle and refinance my loan, but my payment didn't change and I still owe 24 months of the loan. My privacy has been violated and they act like it's nothing.
Not long ago I signed up for a new bank account -- checking and savings -- with USAA XXXX. I 've had auto insurance with this company since active-duty service XX/XX/1980. I 've also had XXXX secured loans from USAA for about {$2500.00} that I paid back on time. Since opening these bank accounts, USAA has denied me a secured loan, and denied a credit card, also. My XXXX score is right on the line, XXXX, and my history of all mortgage and auto, credit cards payments, is all good for years now. Also, my primary bank XXXX, XXXX XXXX XXXX XXXX, recently approved a {$3000.00} credit increase to my XXXX XXXX Credit Card, based on my credit history with them. So USAA is wrong on this and I want this error in their judgment addressed so that I can justly receive a credit card with USAA. That is fair.
In my review of my credit report LVNV FUNDING LLC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
I obtained my credit report and discovered multiple errors. I sent a letter to Experian stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2018 and it was signed for on XX/XX/2018. I received a letter back stating they had verified this using a third party ( XXXX ). I sent a second letter on XX/XX/2018 and it was signed for on XX/XX/2018, stating that I was requesting the information that they used to verify the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XX/XX/2018 and it was signed for on XX/XX/2018. I called Experian and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. 
I am hoping this matter will result in the removal of the bankruptcy from my account.
I have a checking account with JP Morgan Chase ending in XXXX. 
I use this account for my Social Security XXXX direct deposit. 
Financially things are not good for me ; I just received a Chapter XXXX Discharge of debt and I live check to check. 
Every now and then I get hit with an overdraft because certain transactions charged to my account as charge not a debit are deducted from my account and then a few days later the charge completely disappears from online statement and is credited to my account as usable funds and then pops up in the ledger again for the final charge against my account. 
My branch tells me the problem is created on the merchant 's side The most recent occurrence I even called the bank to inquire if I had any outstanding charges against my account that were not itemized and any amounts that were not included in my balance. 
I was told by customer service that according to their ledger I had enough money in my account to cash the check to transfer my money to another account for my mortgage payment. 
Chase has always been good to me and reimburses the OD FEES, but they limit their customers to XXXX in a one year period, My complaint is not against the bank nor the merchant, it is the procedure that I feel needs a look at. 
My other bank, a credit union, does not alter the usable number, all transactions are withheld from my account and the ledger shows a greater total but a lesser usable amount especially if the merchant enters the transaction as charge and not a debit ; my total amount and usable amount even up when all transactions have actually been paid ; this is the fair/upfront way of managing the accounts of the customers. 
That is my complaint/inquiry.
My son received a letter from Chase Bank denying him for a credit card, so I ( his mother ) contacted the bank and was told his credit had already been pulled. So, I mailed a letter to XXXX XXXX and the Better Business Bureau. I also called XXXX XXXX at ( XXXX ) XXXX and ( XXXX ) XXXX. I went to XXXX, but because my son is a minor, this application was discarded. My child is a minor and information on the credit card application was incorrect, but I am unable to contact XXXX XXXX to have it removed.
I have submitted several disputes to Experian concerning items on my credit report. Each time, even after I re dispute it, it comes back within a couple of weeks stating the collector has certified to them this the item is accurate. I have even sent in disputes by mail asking for the contract of something in my files where this information is accurate. I believe Experian is not a thoroughly investing my disputes, they are just going off the last dispute and closing them right out. 

Ive recently sent them a mailed dispute request on XX/XX/18. I received a response letter ( stall tactic ) from them dated XX/XX/18 not that my request was frivolous but merely that they were not going to investigate the items again. As a consumer, I am entitled to a reasonable investigation if I am disputing inaccurate information on my report. How can they do this and get away with it?! 

The law is very clear in all of the cases XXXX vs XXXX, XXXX vs XXXX and XXXX vs Experian. All of the courts ruled each and every time that the credit Bureau can not literally parrot information from collectors. But instead must perform a reasonable investigation and XXXX is not considered as such.
My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2017. {$2900.00} was issued by Chapter XXXX Trustee to Wells Fargo to clear my auto title. This amount was sent to the wrong address and returned to the Chapter XXXX Trustee. Now Wells Fargo will not release my vehicle title. Wells Fargo claim that they have not been paid. 

I have a copy of the Trustee 's Final Report and Account, which states Wells Fargo Financial was paid {$2800.00} plus {$150.00}. 

Can you please intervene.
i signed up for Venmo last week and made some transactions though folks i know. 
Venmo froze my account last Thursday and has not provided me any information. They stole XXXX of my money and refuse to provide reasons why. The company does not have a customer phone number. i have no way to resolve this.
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 
Equifax has already placed a Fraud XXXX alert on the other XXXX CRAs, so you do not need to do this again ... Let 's be intelligent here. I want you to review the attached documentation and REMOVE/DELETE this entry asap ... I am on the verge of making sure the AG fines your establishment for years of extortion. 

Thank you, XXXX XXXX
Debt was disputed via email, all the proper documentation was provided explaining the incorrect debt. No response was given by the collector in the 30 day window.
I had a Checking and Savings account with Fifth Third Bank. On XX/XX/16 I had a balance of {$3900.00} in my checking and {$500.00} in my savings. On XX/XX/16 someone somehow had gotten control over my account they deposited fraudulent checks for {$1900.00} then withdrew everything out of the account my {$3900.00} included. This bank now tells me that I owe {$5700.00} from my checking and {$1400.00} from my savings. There was never any credit given to me for the money that was stolen. I've asked the bank several times in writing to show me proof!!. What hurts the most is that they are saying I owe what was taken from me. The told me oh the account is closed its charged off so we really don't care about it anymore we sold that account. {$4500.00} may not seem like a lot to this big bank but that was my kids trip to XXXX that summer!! Do not bank with Fifth Third they have absolutely NO Fraud or Identity Theft Protection!!!!!!!
I was informed by another credit monitoring company that a former creditor is still purposely reporting inaccurate account status information to XXXX Credit Bureau. This is my third time reporting this company. The company is Consumer Portofolio Services. The company repossessed their vehicle back in 2014. The company is intentionally report inaccurate account status information as " failure to pay '', 30 days late, 60 days late '' when I no longer have the vehicle and the vehicle has been re-sold. I do not owe this company anything. The account status should be Repossessed-Closed. Would you please help me? This company is purposely decreasing my credit score. This is fraud and abuse.
My wife and I opened a business checking account as she already had a M & T account. " bundling '' all accounts allows us to not have a minimum balance and avoid fees. twice this year our account has been overdrawn because they are charging us unjust fees and twice this year we have had to go to the bank and have them reverse the fees because our " bundling package '' was never set up correctly. I 'm wondering if this is fixed or are we going to have to go through this again! then we found out that when we deposit checks without envelope through an ATM and the amount of the check deposited is different than the real amount ( even by XXXX cents ) they charge us {$8.00}. Outrageous! Also, I never read anywhere that when we use our ATM card in a non-M & T machine we pay the ATM charge to the ATM provider but also a {$3.00} fee from M & T! their charges are fraud!
I am so confused why XXXX XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
On XX/XX/2016, I made a payment via IVR phone of {$110.00}. Today, I called CareCredit to see what my account summary/balance was and found out that my payment was not processed since the balance was even higher from last month. I spoke to customer service and they did not help me at all. They stated that my payment was reversed but I did not receive that money back. My bank statement says that they took out {$110.00} and I also called my bank to confirm and my bank stated that the payment was accepted. I also three-way my bank rep and CareCredit rep to speak and again the CareCredit representative was no help! I also called them again to figure out where the money went and the CareCredit rep did not have the answer. He told me to send my bank statement to their complaint dept and I asked him how long is the process of getting this resolve. Again, rep did not know the answer. Now, I do not know if I should pay my bill again. I received a late fee but would like to resolve this issue before I make another payment.
I have received XXXX letters from Synchrony Bank within the last 30 days, informing me they were closing/reducing my credit limits on the following credit cards, most of which I have had for over 10-15 years : XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ) accounts, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Quite a few of these accounts have XXXX balance or very low balances. I began experiencing problems with Synchrony around 1.5 years ago. I began seeing late fees of $ XXXX {$38.00} appear on my statements. After numerous attempts to contact a live person w/Synchrony, I was rudely spoken to, was told my bank ( XXXX ) did n't release my automatic bill pay in time for them to receive before the due date!!! I have worked closely with XXXX to insure all of my credit card payments were released, as stated in my bill pay. This deceptive/unethical manner of tacking on fees is just not right. I confirmed with XXXX on every occasion of these fees added on my each month 's bill, that payment on my credit cards had been sent to Synchrony, as stated on my bill pay each month. How can this bank continue to conduct such a deceptive manner of placing these fees on statements every month? Consumers are just spinning their wheels each month, by trying to rise above these hidden/false/excesive charges on our statements. I 've tried to call within the last three weeks and getting a live person with Synchrony is impossible. But ... I 'm receiving no less than XXXX telephone calls from 'UNKNOWN ', but no one is there, when I answer!!! I just do n't know what to do to correct this nightmare. It 's interesting that I 've had these credit cards for YEARS and only recently have I been been experiencing late payments, fees, endless telephone calls beginning @ XXXX - XXXX.
I, ( XXXX XXXX ) Had a cable account with XXXX at my address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. We had bad service so we cancelled the service and started service with another provider. We documented everything in minute details. 
We were told a shiiping box would be sent which arrived in 2 days. We put all the XXXX equipment in a box took PHOTOS of the contents, and took PHOTOS of the shipping document. THis was on or about XX/XX/XXXX. 
The XXXX XXXX tracking number is XXXX XXXX XXXX XXXX XXXX. We later verified that I had been delivered successfully. We shipped the package ; dropped it off at a XXXX store in XXXX oregon and have a copy of the shipping document. We have had no less than 7 phone calls first from XXXX and now from credit control at XXXX XXXX XXXX, ( XX/XX/XXXX ). I have kept all my letters also which included shipping documents, photos of the shipping documents and delivery confirmation number. 
In the first letter I was clear that this was a disputed debt and I didnt owe a penny. I did notice that when XXXX  did the install of equipment they tore up the sheetrock in the garage and in my last communication I also informed them that they owed me {$150.00} for professional remediation for the damage. When I spoke to a XXXX today at credit control I did inform her that I have mailed XXXX   numerous times the communications ( by us mail ) that this was a disputed debt, and to not contact me further. 
I think they violated the fair debt collection practices act. 
I have kept scrupulous notes and documentation on this matter.
On XX/XX/2018 I sent PRA a dispute letter and received a response about debt settlement on XX/XX/XXXX. It was past 30 days when I received the response from them. I asked them not to contact me yet they still call from local numbers. I called PRA back in XXXX to find out about doing a " pay for delete '' and was told that THEY CAN NOT GRANT my request. I had several other collection accounts with PRA in  the past and they were removed without me paying a dime. They are conducting illegal activities.
I currently owe on my mortgage for XX/XX/2017,XX/XX/2017, XX/XX/2017 and now XX/XX/2017. I went to pay my mortgage payment IN FULL today for XX/XX/XXXX payment and the company Mr. Cooper formerly Nationstar refused to take my payment over the phone and said would just kick it back if it was sent in the mail, I am going to send anyway. They told me they could only accept the minimum of 2 payments. I want to make clear that I was paying my full mortgage payment. I am roughly 95 days delinquent and I was under the assumption the payment for XX/XX/2017 would advance my delinquency date, but they will not accept it and I ca n't afford to make 2 payments now.It almost sounds like they are creating a situation that will force me into the foreclosure process. I understand this is my doing but I am trying to work within the system provided and when they told me they will not accept anything less than 2 payments I became very concerned. I was under the understanding that I had 120 days from the initial delinquency date before they could initiate foreclosure proceedings. By not accepting my FULL Payment, it seems very shady at best.I also thought they had to apply my payment as long as it is a full payment. When I asked the 3rd person ( manager ) these questions all I got was that each state operates differently and has different timelines. Please advise on what my servicer can and can not do.
I did 2 wire transfers in XXXX dollars from XXXX XXXX in XXXX to Wells Fargo in XXXX XXXX where they converted the money to USD and sent it to my account in XXXX XXXX, TX. One was on XX/XX/XXXX for AUD XXXX, and the second was on XX/XX/XXXX for XXXX. Before doing so, I called XXXX XXXX XXXX in XXXX XXXX and got wiring instructions by email from XXXX XXXX of Wells Fargo. 
I also asked about the forex or exchange rate that would be used to convert the money. I explained that I was aware that it was a common practice, say in the case of tourists getting pocket money for a trip, to change the money at a rate of around 5 points less than the real, official exchange rate of the day. I said that I wanted to be sure that this would not happen as it would cost me several thousand dollars on the amount I would be transferring. She told me that I would not be shorted that way and that the bank would use the official, public exchange rate for the specific date and time. Just prior to the transfers, I called again with a couple more questions and repeated my concerns about the exchange rate that would be used. She told me the same thing. 
When Wells Fargo changed the money on the XX/XX/XXXX and XX/XX/XXXX, the published exchange rate on internet sites was about XXXX. My money converted at just short of XXXX, and I calculate that I received just over {$8000.00} less because of this difference. Prior to XX/XX/XXXX, I sent wires to XXXX in XXXX and also to XXXX, and they always used the official rate of the day. Even this summer, my daughter changed some XXXX dollars at the branch here in XXXX XXXX, and it appears that they used the day 's official rate. 
On XX/XX/XXXX, I talked to XXXX with Wells Fargo again and XXXX with XXXX XXXX XXXX. He then explained that they only used that official, public exchange rate for very large transactions, like XXXX XXXX dollars. 
XXXX XXXX with my branch in XXXX XXXX also followed this up for me. It was agreed that the communication with me about the exchange rates fell short, but they made no offer to compensate me for some or all of the difference. 
I believe that they had to understand what I was asking, and I do not believe that the disclosure was complete and adequate. I understand that it is probably legal to give whatever exchange rate they want as long as they disclose how it is done. In this case they did not, and it seems that they should take responsibility for that. If I had had full and complete information, I may well have done things differently. I would have certainly talked to other banks, and I would maybe have tried to do the whole XXXX in one transaction ( from within my XXXX account, my daily transaction limit was XXXX ). As I've said, I feel Wells Fargo should be responsible for incomplete, inadequate disclosure and the money I may have lost due to this.