WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern In summary : Leased the car XXXX XXXX with the promotion of one month free ' I noticed that I did not receive my my Free promotion month and contact XXXX financial center on XX/XX/XXXX. 
After several phone conversation with the customer service /manager I was told that we will look into it and I should not be worry and any over payment will be refunded I asked instead of sending check please just transferred the money to my new account since I was in process of purchasing the new car from the same company When I returned the car and lease the XXXX XXXX XXXX I was under impression that that i have credit to my contact On XX/XX/XXXX I received notice of late payment Immediately called, after 1.5 hours being on phone finally spoke lady on Resolution center ( I have name Not have name with me now ) explained the situation She apologized about wrong information and suggested to pay all balance now ( and they will look into over payment on XXXX car since two account are completely separate ) and assured me several times that It wont affect my credit. ( Hope there is record of our conversation ) She also kindly removed late fee. 

I paid total amount same day Without exagerbation for last 9 months I was on phone more than 20 hours. ( I had to take day off two days to stay home ) Everyone giving me same info and no one returns the call at all. 
few days ago I was told they would honer promise of lady about XXXX payment but somehow It took several days for my payment to actually get into my account ( Dont know How could I Know that or being responsible ) on same day I spoke with XXXX XXXX ID XXXX and faxed info ( he was supposed to call back? ) So far problem was only money but After 23 years I found my dream home .In processing of getting loan I was told My credit score of XXXX dropped to XXXX XXXX I got panic thinking of fraud or ID thief but actually it was for REPORT OF 2 LATE PAYMENT FROM XXXX. 
One from XX/XX/XXXX ( as was explained above ) and second One for XX/XX/XXXX -For XX/XX/XXXX I paid on time ( actually earlier ) but there was XXXX Miscellaneous ( tax ) so by error they took my payment for that XXXX $ and the report me for late fee ( this one they admitted was error but it will take 30 days for processing ) None of them was communicated to me. 
In my whole life never being late for any payment As a XXXX I am not familiar to law but I trust the law to protect people from wrong doing of big company The owner of my dream home accepted my offer but can not wait months to resolve my credit issue Please help me they are not even return my calls I will be more than happy to answer any question or providing info If needed it Thank you for your consideration Sincerely XXXX XXXX XXXX XXXX XXXX email XXXX XXXX
In XXXX of 2009 I was down on my luck & had bad credit. Thrift Investment gave me a car loan & an astronomical rate ; with no chance of re-finance or early pay-off without a steep penalty. Unfortunately in XXXX of 2009 - I was in an accident and the car was deemed totalled by my insurance company. My insurance company paid them ; but per my insurance rep - they wanted the total payoff of the loan ; not the amount the car was worth retail. If memory serves I bought the car around XXXX ; with an astronomical interest rate for a total payoff of like {$9000.00} ( my numbers here can be wrong, since the paperwork & loan info for the car has been in storage ). My insurance paid them. But apparently not enough. They are claiming I owe them {$69.00}. I tried to call them to day to get information on why I owe them {$69.00} when the car was totalled 6 years ago & they got a hefty sum from my insurance company. The ONLY thing I got in return was verbally assaulted, asked how I could look at myself int he mirror and what the XXXX is wrong with me that I ca n't pay my bills and I was XXXX because I didnt pay my bills. I was never offered proof of this debt or anything. The only thing I received from them was a continual non-stop onslaught of verbal abuse throughout the entire telephone call. I was an still am deeply disturbed by the apparent lack of not only common courtesy but humanity by the representatives of this company. The lack of human decency by XXXX from Thrift Invesntment is something that no human being should EVER have to be subjected to. I was repeatedly called XXXX & asked how could I look at myself int he mirror knowing I dont pay my bills. I was not even given an opportunity to ask for proof of this debt, I was no t allowed a word in edgewise after my initial inquiry to provide my name & ss # - that is when the onslaught of personal attacks began & did not end until I was hung up on.
On  XXXX   XXXX ,   XXXX  , I mailed a certified cashier 's check in the amount of {$300.00} to  PayPal Inc. Attn : Accounting   XXXX .  XXXX   XXXX   XXXX ,  XXXX   XXXX  in order to cover for the negative balance on a family member 's linked account,  XXXX  XXXX  XXXX . This check was for the amount of {$300.00}. Again, I had no prior knowledge of this negative balance before it was brought to my attention by  PayPal. T he family member lived with me for about a year or so, and then moved out.     On  XXXX   XXXX ,   XXXX  , I opened a new  PayPal ac count to continue my business (  XXXX  XXXX  XXXX   ),   but I did not begin using it until  XXXX   XXXX ,   XXXX  , after I mailed the check to rectify my family member 's negative balance ( which was the reason for my previous account 's closure ). The first payment I received from a customer went smoothly, and was made available to me on  XXXX   XXXX ,   XXXX    (  3 days after confirmed delivery ). The customer then proceeded to leave me a positive review. However, upon attempting to withdraw this money, I was hit again with  PayPal 's limitation. I was dumbfounded. I had mailed a check to correct my family member 's negative balance, I have provided PayPal  with a government issued photo ID, address verification, copies of invoices, and tracking numbers for the orders, and yet I was still permanently limited without any explanation.     At this point, I 'm growing tired of this unfair treatment by a payment service which has successfully handled over {$30000.00} for my business without any issues. This all began with the discovery of a negative balance on a family member 's account ( he lived with me, and used the same living room computer and phone that  I did ).  However, upon learning of the steps necessary to correct this, I immediately sent a check to solve this issue.  PayPal is extremely crucial to my business and its further growth, but I am ready to part ways as well. I am requesting that PayPal make the available balance in my PayPal  account (  XXXX  XXXX  XXXX  ) available for immediate withdrawal to my bank on the account. This balance has already been subject to a previous hold ( which was lifted ), and there is no reason why I can not access my money.  PayPal may keep my bank account linked. PayPal d oes not have to re-instate my account, though I do not see any reason why it should n't be.     Thank you for your time and consideration.
This is a response to the rebuttal that I received from BBT Senior Vice President, XXXX XXXX XXXX Complaint Resolution Manager. I had previously disputed the unfair and deceptive business practices of BBT. XXXX XXXX said they uploaded the document of Notice of Incompleteness Letter, was uploaded to your online portal on XXXX XXXX 2017, at XXXX. I logged in many times after that date and did not see this letter uploaded to my online portal. Also when they so called uploaded the document what was done to notify me of the letter being uploaded to the online portal? I have emails that documents were available for my appraisal that were sent to my email from XXXX XXXX that were sent to my email address but those are the only notification. My loan officer XXXX XXXX was not even made aware of this notice of incompleteness letter. She extended my rate lock to XX/XX/XXXX and I have uploaded that form in a previous email. I was told if I had any concerns from the letter XXXX XXXX sent to call XXXX XXXX at XXXX. Her office hours are Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). I called and left a message and no response. All of the information BBT has supplied to me does not make sense. If they had the concerns why not call and discuss, I spoke with XXXX XXXX on the phone on X/XX/17 after I had retained an attorney to clear the title issue. I will pursue legal action now. I want to be reimbursed all cost incurred from this failed loan attempt starting with Appraisal fees, credit report fees and difference in interest rate and finance charges. BBT has done nothing but provide false information to CFPB. These documents were not uploaded to the online portal or I would have seen them. I pretty much was logging in everyday. BBT IT systems may not be compliant with current regulation since they say they were uploaded but I could not see them. This process has been a nightmare. I keep filing these disputes since the CFPB looks at trends. Also, the day they canceled my loan all my online documents were no longer visible. This in itself is deceptive since it is information that I have provided and contracts with BBT. Is this a normal business practice or is BBT Mortgage trying to cover something up? I believe BBT was trying to get out of financing a 15 year fixed mortgage at 2.875 fixed for 15 years since the rates have gone up after the election and I could not get that rate anywhere else.
I have had been a Navient student loan customer since XX/XX/2013. My total amount that I supposedly owe is through the roof. I called them several times to see if I qualified for loan forgiveness an they told me I had to make 6 months to a year worth of payments. I thought that was wrong so I called consolidating program an they told me that they have my loan on lock down because Navient was being sued. I didnt think it was fair for me to suffer to pay when them getting sued isnt my fault. Im asking this could I please have help with this matter.
I was doing a annual credit report and saw that my credit report was already viewed on XXXX/XXXX/15 and could n't get a free credit score and report on Equifax. Todays date is XXXX/XXXX/15, I noticed that the credit report was viewed around the time my wallet was lost. It had my Driver 's license and my social security card. So I 'm almost certain that my identity is in danger.
I received a voicemail from XXXX, but was only able to discern that they wanted me to call them back as the majority of the message was cut off. I returned the call and spoke with XXXX XXXX. He claimed to be with a company called Concord Resolutions, and stated that I owe a balance of {$590.00} to a company called XXXX XXXX. Knowing that this was a fraudulent debt collector, I immediately attempted to get as much contact information as I could. Prior to ending the call, the representative asked if I was willing to settle the matter voluntarily or not. I told him no, that I was filing a report with the CFPB, and ended the call.
Opened : XX/XX/2014 ( 3 yrs, 7 mos )  Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA I called already. I had insurance when I went to XXXX XXXX, and they even got me signed a medical bill waiver because I used to have XXXX all the time too often. So what's this debt about??? 
I need these bills that are not recognized to be removed, I can't do nothing because of those unknown medical bills. It's not fair ...
I have items on my credit report that do not belong to me, as I am a victim of identity theft. I submitted my police report and FTC report along with my letter multiple times to Equifax and although most of the accounts were removed, the XXXX XXXX XXXX XXXX account was not blocked at all and only came back as " verified ''. This account does NOT belong to me and I have been disputing this account for months now! They are violating my rights under section 605B of the FCRA. If they DID block this account and re-inserted it, they did so without my knowledge and never informed me that this account was re-inserted ; by law they must notify me within 5 business days of the re-insertion. Neither of these things happened. My next letter to this company will be an Intent to Sue.
XXXX has an unethical practice, bullying XXXX into paying above and beyond what they owe. 
I paid monthly fees for security services on my in-laws home in XXXX, FL. starting XX/XX/XXXX. The in-law moved to XXXX in XX/XX/XXXX & expired on XX/XX/XXXX. The house was sold in XX/XX/XXXX. The ONLY condition of Escrow was for the new owner to take over the remaining XXXX contract. XXXX continued to bill my credit card through XX/XX/XXXX. I called them to inform them of death of the owner & sale of the property as well as the condition of the escrow. After my call in XX/XX/XXXX - which they still have on record, I received no monthly statements and no notice of delinquency until a collection notice was mailed to me from XXXX onXXXXXX/XX/XXXX for a sum of {$870.00}. 
I called XXXX last week & they admit to all of the above but claim I " did not cancel my contract '' This is an unethical practice by XXXX. The clients are XXXX & unable to defend themselves. Most will pay these unjustified charges simply to protect their credit. 
THEY NEED AN AGENCY LIKE THE FTC TO PROTECT THEM.
I have never been late with my minimum pmt. yet when it came time to pay in XXXX, 2018, they charged me a late fee. Raising my minimum from {$27.00} to {$32.00} " late fee ''. 

My XXXX statement shows I paid on time, yet my XXXX one shows a late fee. 

After MUCH trouble, I got a Best Buy/Citi Bank representitive who apologized and rolled my minimum correct pmt. back to the correct one. 

Although this issue was resolved, I'm afraid I'll have to do this every month as the phone number on the back of the card doesn't give one someone to discuss these matters with. Only machine telling one to press a number. 

I will attach XXXX and XXXX statements for information if needed. 

Thank you, XXXX XXXX
I RECENTLY TOOK OUT AN INSTALLMENT LOAN FOR {$400.00}. THE APR IS 581.71 % AND THE FINANCE CHARGE IS {$770.00} LEAVING MY TOTAL PAY BACK AT {$1100.00}. I KNOW I AM RESPONSIBLE TO PAY MY LOAN BACK BUT THIS IS RIDICULOUS. I WILL BE PAYING ON THIS LOAN UNTIL XXXX 2017 UNLESS I COME UP WITH IT ALL IN ONE LUMP SUM WHICH I CA N'T AFFORD EITHER BECAUSE THERE IS ALWAYS SOME LARGE PAYMENT I HAVE TO PAY OUT OF EACH CHECK, LIKE MY RENT OR CAR PAYMENT. I AM A SINGLE MOM AND NEEDED THIS TO HELP COVER MY RENT AS I HAD TO HAVE XXXX AND WAS OFF WORK FOR AWHILE AND I DEPEND ON OVERTIME TO HELP MAKE ENDS MEET. THIS IS TAKING FROM MY HOUSEHOLD EVERY TWO WEEKS AND I KNOW I WILL NOT BE ABLE TO KEEP THIS UP UNTIL XXXX 2017 AS ME AND MY KIDS STILL HAVE TO LIVE DAY TO DAY. THIS IS A RIP OFF IN MY OPINION AND PUTS POOR PEOPLE LIKE MYSELF THAT ARE LIVING PAYCHECK TO PAYCHECK IN A VERY TOUGH POSITION. PLEASE HELP!
I have disputed the Midland Funding Account with XXXX and with Midland Funding. XXXX stated that Midland Funding verified that this account belongs to me. This is seemingly impossible since this account do not belong to me. Perhaps this account was placed on my credit file in error or it resulted from identity theft. In any case this is not my account. I need your assistance in getting this matter resolved.
Transunion refuses to remove the 11 unauthorized hard inquiries off of my report ... I contacted the companies and was told if I did not authorize it then Transunion should remove them ... this is a violation of F.C.R.A. law and neglect of my rights and concerns ... and XXXX  is reporting 6 unauthorized hard inquiries and refuse to remove them also ...
I went to chase bank on XXXX/XXXX/2015, I made a cash deposit for {$5000.00} cash. I did not bring my bank card but I gave my California ID to the teller. I filled out the deposit slip. 
But on XXXX XXXX, 2015 I checked my balance online and I noticed the deposit never made it to my account. By this point I did lose my receipt. I went back to the bank and asked one of the cashers to check my deposit and she said I had never deposited the {$5000.00}. When I asked to talk with their assistant manager she did not appear to give me any support to do so. She then said was going to check later and promised to call me but she never did. The next morning I sent my wife to give them my business card and tell the manger that I really needed her to call me. XXXX hours later the branch manager called me and said they looked in the system and could not find anything. So now I went back on the XXXX/XXXX/2015 to talk again with the assistant manager and she told me they spent a lot of time and did not have any record that I was there and made the deposit on that date. I told her I would come back on XXXX XXXX, 2015 to give her 3 more days to check, but I went to the bank today XXXX/XXXX/2015 to try to fill out a deposit of just {$20.00} so I could see if they put the money in a wrong account. To my surprise, not only could I not do the deposit, the teller also told me that they have XXXX XXXX in the system and did not know which one I was because I did not exist in their system. Even though I had my ID with me. I told him I wanted to talk with the manager and waited for her. When she talked with me I told her what had just happened and I asked why now that I 'm just depositing {$20.00} they could n't find me in the system? But when I brought my {$5000.00} it was not a problem. She looked in the computer and said they had no record of my account with the Chase bank, but I have a bank card. Then she later said they found me and I noticed they had the wrong social security number in the computer and she fixed it and confirmed I was in the system. I asked for the bank manager to give me the regional managers number and she told me that they did not have it. Then she just asked for my email and she was going to send him an email with my information. It is weird to me that they have a supervisor and do n't have not her number or her information to give to me. I am no longer comfortable with the way this particular branch is handling my money, and I fear that they are tampering with my information in the system.
XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX is my original debtor. The staff repeatedly failed to respond to my request to fix XXXX leaking ventilation systems, XXXX in each bedroom, flooding on the carpet as a result of the leaking, and resulting mold problem all over the XXXX bedroom walls. 

The flooding was so bad that we could n't walk in the rooms without shoes on. The area around the ventilators was all soaking in brown water, which was slowly draining to the rest of the rooms. This resulted in mold around the systems and on the walls. I have really bad pictures to show for this. 

The maintenance man came to the apartment once, cleaned the walls with bleach and promised to come back the following day to drain the clogged up system. Inside the ventilation was rotting cotton wool-like material floating in rusty, corroded water that was slowly draining all over the carpet. He never showed up again to do the followup cleaning. 

After a week or XXXX, the mold was back on. I wrote to the office informing them that the maintenance man did n't resolve the issue. Nobody responded to me. I later found out that this molding/flooding issue has been an ongoing problem at the XXXX XXXX apartments. 

Considering that the complex has a policy that does n't allow potential renters to survey the apartment prior to signing on, I had no ability to observe detectable problems prior to signing the lease. 

Compounding to my complaints was the fact that despite being assured that the building was smoke-free, nothing was done to address the fact that my upstairs neighbors were not only smoking out in the balcony but dropping their cigarette butts on my porch. 

Unfortunately my daughter and I suffered XXXX problems, more so my daughter who has been treated for XXXX issues. I could n't stay there any longer. This debt is completely out of the negligence of XXXX XXXX XXXX XXXX XXXX XXXX to maintain a habitable place for tenants.
On XX/XX/XXXX I attempted to sign into Carrington Mortage Service to pay my mortgage. Their system asked me for the last four of my social security number and another identifying question. Even though I put in the correct answers in the system kept giving an error message saying that the information was incorrect. I noticed on my statement for XX/XX/XXXX Carrington MortgageService is charging me a late fee even though I made the payment before the XX/XX/XXXX. This is not the first time that I have had an issue with Carrington when making my payment on the grace period date.
Seeking to have credit bureaus remove a tax lien filed by the State of Georgia which has been paid and satisfied for more than 4 years. Additionally, the lien was filed in XXXX of XXXX so I believed that the lien would fall off my credit reports after 7 years, being XXXX XXXX. 

Upon contacting XXXX and Experian today XXXX XXXX/XXXX/XXXX XXXX to confirm that this would be removed in XXXX once the 7 year mark had hit from its original filing date, I was informed that legally my tax lien must be reported for 10 years by law with a removal date of XXXX XXXX or to get an order from a judge ordering its removal. However, after viewing the Georgia XXXX it specifically states the following ; " The Department has no control over the length of time that credit bureaus keep public information on a credit bureau report. To update your credit bureau report, you must contact the credit bureaus directly. If the Department recorded a state tax lien against you in error, the Department will amend the lien by stating that it has been officially withdrawn. Please note that the Department can not instruct a credit reporting agency to alter its records regarding this error because the Department does not report the recording of state tax liens to any such agencies. '' So there seems to be no such order of removal process in the state of Georgia or law requiring credit bureaus to report satisfied tax liens for any specific amount of time. It appears Georgia residents have no way to request satisfied tax liens be removed from credit reports. 

I am requesting your organizations assistance in having this lien removed from all credit bureaus in good faith as I paid the tax debt ( {$1500.00} ) once I learned there was a judgment and had been reported as a tax lien more than 3 years ago ( XXXX XXXX XXXX and additionally exercised patience in believing that the public record would be removed after 7 years of its filing date only to learn that the credit bureaus can report a public record for any length of time they choose, in this case 10 years, even though my state agency does not mandate this.
Equifax-Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. ''