WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by XXXX at Larry H Miller XXXX in XXXX AZ on XXXX/XXXX/XXXX stating that they may be able to get me into a new vehicle or better financing on my vehicle. I set an appointment for the weekend and selected a XXXX XXXX. I had negative equity in my XXXX XXXX. I was presented with terms for the new XXXX and was not comfortable with the payment. Upon a 2nd review by their financing department, the all of the sudden realized I still had equity in the warranty they sold me on the vehicle I was trading in. They were able to use this equity along with increasing how much they would give me for a trade to get me to a payment I agreed with. I was told by the salesman, XXXX, this would be my financing. It was explained to me that the way XXXX does their financing is they take your score and put it into brackets, whatever that bracket you fall into is what your rate and financing is. I signed financial documents including a truth in lending statement, power of attorney for the vehicle I was trading in and documents with my rate, terms, finance company name, payment and payment due date. These documents also include a breakdown of all fees, payoff of previous vehicle and services being financed. I signed these documents with XXXX and asked so if you guys cant do better, this is it and were done? No one is going to call and need more money? He assured me this was it but he didnt handle my type of loans so another person whos really good with old bankruptcies will see if he can do better. If they were able to get better financing I was going to go back XXXX  morning and resign new documents with the new financing. I did not hear back from XXXX, XXXX. I left a message with the receptionist, XXXX on XXXX afternoon and did not hear back. I called XXXX and reached, XXXX in the financing department. Expecting to hear they were unable to do better then XXXX XXXX, XXXX instead told me that I need either a co-signer or {$4500.00}. XXXX apologized and said its only about 1 out of 100 customers this happens too. That sounds like a lot of people they have been doing this to when you consider theyre one of the largest dealerships in the state. I provided a co-signer. I received a call today, XXXX  XXXX/XXXX/XXXX saying the co-signer is not enough and I would need the {$4500.00}. I am not being told I need to return the vehicle and take mine back. I was also told I will not be charged anything for the vehicle I have to return. I have not been told what happens to the {$500.00} doc fee I had to leave with them for electronic withdrawal. I am also contacting the FTC and our local media.
XXXX XXXX IS FAILING TO REPORT MY AUTO LOAN TO ALL BUREAUS EXCEPT XXXX.
I  'm trying to get the  XXXX  form for 2016 and I ca n't get anyone to fax nor email ( thru encryption ) ... .... They wo n't sent it to me and I need it today.
I disputed with experian on collection account XXXX XXXX XXXX twice. both time experian failed to verified this account is a judgement in XXXXand this debt is too old to place on my credit report.The collection agency place a misled informations on my credit report that the account was new but it was in fact the judgement is 12 years old and it should not be on my credit file.. Talked to experian they sound like they do not care or want to verify accurate information with this collection agency and have requested to certify the collection agency update informations like how this debt became and what type of debt. As I pointed out with experian that original creditor is personal name XXXX XXXX and it must be a judgement but experian failled verify under frca rule 611.
I sent money by western union to a person XXXX to adopt a XXXX XXXX puppy then got hit up for insurance, a new crate, then the deliverey person got robbed and needed even more money. I was scammed bad. I want other people to be aware of this. I sent XXXX of my hard earned money for nothing.
This XXXX XXXX # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.
Recently, I discovered my identity and personal info has been stolen. I have been getting numerous calls from my credit card companies and bank telling my someone is trying to access my accounts, open new accounts and more info on me. I was advised to obain a copy of my credit report and FICO score but when I tried to do that, It said I already received XXXX on XXXX/XXXX/2015. I did not. It was someone else. Now I canot get this report because someone else already got it. It said I need a report number to access this credit report. I do not have a report number. What should I do? 
Please Advise, Thank you.
I have been working on a few things that I disagreed with on my credit report. Everything had been investigated and I thought completed. I decided it was time to move forward to apply for my home and my lender said that Equifax was reporting that there were three things indicating that they were in dispute. I explained that they were no longer being disputed that I was under the impression once they reviewed the information and responded to the disputes it was closed. I was informed to contact Equifax directly and find out what was going on. I contacted them and explained that I wasn't disputing anything at this time and that I needed that verbiage removed. They refused to remove it. They said it is being disputed and I again told them it wasn't. They said that it would take about 30 days to remove the statements. I am extremely upset because my lender is unable to obtain a true report because of that verbiage and that company is the only one reporting that information.
Equifax mishandled my information, which puts me and hundreds of thousands of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution. 

Furthermore, there have been reports of insider trading ( XXXX XXXX XXXX ) by Equifax executives . I would like them prosecuted to the fullest extent that the law provides and their ill-gotten gains to be seized and redistributed for the benefit of national consumer protection.
On XXXX/XXXX/2015 and XXXX/XXXX/2015, I received robocalls from ARSI that were left on my call notes. On XXXX/XXXX/2015, I called back and spoke to a person named XXXX. She stated that the calls were regarding a bill that I owe to Emergency services. I told her I had not heard of them ; moreover, I had not received a bill from their organization or ARSI. I asked her when the bill was sent from ARSI, and she stated on XXXX/XXXX/2015. Therefore, they began calling me before I could have possibly received the bill. When I told her that I was disputing the charges and to cease calling me in the future for payments, she continued to talk over me, continued to attempt to collect the debt, with the latter not legal once a consumer has stated they are disputing it. She should have simply honored my request. When I requested to speak to a supervisor, she transferred me to a person named XXXX. XXXX stated she would make sure I did not receive calls in the future, but she further stated they were not doing anything illegal. I find it to be pretty shady that they are trying to collect on a bill where the provider is unknown and there has been insufficient time to have received a bill that states my credit rights and the option to dispute the bill. After the phone conversation was over, I sent a written notification via their e-mail XXXXXXXXXXXX to cease placing calls and that I am disputing the balance.
Bank of America reported my credit card accout XXXX. The exact same credit card number is reported twice with one having no credit limit information, and the other XXXX with a credit limit of {$8500.00}. Bank of America reports XXXX these accounts opened XXXX. Bank of America reported these on page XXXX and XXXX of XXXX pages on this credit report. However on page XXXX of XXXX on this same report Bank of America reports a third account opened in XXXX. I did not open XXXX credit cards with Bank of America in XXXX of XXXX! Why and how did Bank of America report this information? Why did Bank of America report my credit card account on page XXXX and XXXX then a third Bank of America credit card account on page XXXX. Why did Bank of America report my account twice as if it were two different accounts and why did they report the third account XXXX pages later on page XXXX on the same report? 
On XXXX credit report of the same year XXXX Bank of America reported this same credit card was opened in XXXX with {$26000.00} credit limit. When I reported my card lost/stolen in XXXX of XXXX Bank of America replaced it with the same credit card number as the one reported lost/stolen. I called Bank of America and asked them why they replaced my lost/stolen card with the same credit card number? They then replaced it with a new credit card number, but on the credit report they report it lost/stolen without closing it. Gave me a new credit card number very similar number except the last four digits. Bank of America then gave no answer for the credit limit, but later reports show that Bank of America reported the High Balance of that credit card as the credit limit. Why did they try to replace my lost/stolen card in XXXX with the same credit card number? Why did they change the credit limit so dramatically from {$26000.00} to {$8500.00} when they replaced my lost/stolen card. On the XXXX credit report Bank of America reported a third account. I only have one credit card with Bank of America, I remember they sent me a card in that same time period, I was not happy that they were sending me another card, it did n't make sense, so I called them. They said something along the line of " oh you do n't want it? '' I said no. This was around that same time in late XXXX. 
I did not open a credit card with Bank of America in XXXX, nor did I close it in XXXX. I do n't even think I opened a Bank of America credit card in XXXX, I believe I opened a XXXX XXXX, but not Bank of America. I only have ONE credit card with Bank of America. 
I want Bank of America to answer and explain all of the above inaccurate information regarding my credit card account in my credit reports. I believe Bank of America deliberately reported my accounts innacurately. Why? 
When this is explained by Bank of America I may need to take their answers to an attorney for processing it legally.
My father XXXX XXXX XX/XX/XXXX. on XX/XX/XXXX myself and a financial advisor began contacting the different bank and financial institutions in which my father had made Investments. I am the executor of the will and the sole beneficiary I have contacted all the different investment concerns and they have complied. With the exception of US Bank we have contacted US Bank numerous numbers of times talk to 25 or 30 different people of which no one seems to know about the other we were told to submit XXXX XXXX along with other papers which we complied twice overnighting and receiving signatures and faxing yet no one could find the paperwork now we have finally found that we have to deal with the branch in which the account was open but they are telling me that I have to drive to Colorado as I live in Kansas to get a letter of XXXX. I am dismayed at the way they have treated me and the way they have handled the situation that a man who has lost his father has been able to close out all other accounts totaling substantially more that this US bank account. Yet US Bank requires something more for the small amount in my father 's account that has been left to me the beneficiary and they are saying that I have to drive to Colorado go to the courts to get this letter in order to extract the money into the executor account in order to fulfill my father 's requests concerning the money that he left behind
I contacted Collection Bureau of America who reported on my credit report i have an {$81.00} amount in collections. However when I called to speak to a representative at XXXX she advised me that the amount was {$100.00} and that {$26.00} was finance fees that had accrued on my account since 2013. I advised I had recently checked my credit report and it showed {$81.00}, so which is the correct balance. I paid the {$100.00} so I can get this account off my collection report, however I feel this is incorrect information. If the balance shows on my credit report as {$81.00} I should receive a refund.
I applied for a credit card in Bank of America and the system said we ca n't know your credit score and credit history on the same time I summit my application I do n't know why and they refused me, now the problem is they did hard inquiry in my credit report. It will appear 2 years in my credit score for the system fault. It 's not my fault can you please dispute the inquiry. It happened in XXXX XXXX, 2017. Thanks.
I have made 140+ consecutive, on-time payments ( since XX/XX/XXXX ) to  Navient. My problem is two-fold. One, after $ 45,000+ paid toward the 3 % loan I have only cut out {$20000.00} off total bill. On average my principal only accounts for 30 % of money paid. Payment is ~ $ 300 monthly yet only ~ {$100.00} makes its way to principal. I believe Navient has not handle my account correctly and has cost me time and many thousands of dollars. 

Two, my goal for the last 5 years has been to make it to 10 years of payments so I could apply for the Student Loan Forgiveness Program ( I have 13 years in same XXXX XXXX XXXX ) only to find out after 6 months of paperwork and phone calls to XXXX  XXXX XXXX that my loan ( never explained at any point that I would be unable to acquire SLFP ) does not qualify ( I was given FFEL loan ). I have made {$45000.00} in payments, 140+ consecutive, on-time payments and was told I would have to consolidate to XXXX XXXX XXXX, make at least another 10 years of payments, and then reapply. If government was serious about helping underpaid, student loan burdened XXXX  I am the perfect candidate to make this right with. I have another {$80000.00} in daughters Parent Plus loan that I will start paying back in the next couple months. I am unable to pay both loans, and still have XXXX more children to put through college. You assistance is greatly desired and  needed. Thank you in advance.
We have called Lowe 's credit card services numerous times. They consistently misapply our payments, have charged us interest several times inconsistently, do not allocate payments accurately, and try to charge us deferred interest. Their statements do not make sense, they are hard to understand or decipher, and their explanations change repeatedly. We have attempted to pay off our balances without interest, and it's nearly impossible. They report purchases we don't see on our statement.
Collection company-Tate & Kirlin is billing from creditor XXXX for $ XXXX. The original Ietter in XXXX XXXX from Tate & Kirlin stated they could offer me a discount of 60 % for a balance of $ XXXX. Their client is XXXX. I have not entered into a contract with XXXX. 
I contacted on XXXX/XXXX/XXXX Tate & Kirlin to get answers, but when asked for my SSN or DLN, I refused and she ended the call. 
This could be for an old charged off account from XXXX. 
What am I to do?
I have a mortgage with Carrington Mortgage. They took over this mortgage loan on XXXX XXXX 2016. My monthly mortgage payment includes and escrow portion for taxes and insurance. Carrington Mortgage failed to make the insurance payment causing my policy to be cancelled for non payment. The recent XXXX storms caused damaged to the home. The home is exposed to the elements and is at risk of additional damage. Carrington is trying to shift responsibility of the non payment to me. The property has no insurance and despite my efforts I am transferred between people with no progress. They have advised me that they will force place insurance at a higher cost causing my payment to go up and my coverage to go down for my own personal investment interest on this property. on XXXX XXXX they said they would send an adjuster out and they have not contacted me or sent anyone out as of XXXX XXXX. They are talking about filing a claim with another company which will not work since the damage is preexisting. They clearly have no idea what they are doing. 

They need to prioritize the issue since the property is not properly secured and exposed to the elements. My efforts at covering the hole in the roof are temporary. If another storm goes through there will be additional damages. 

In the meantime, I have tenants displaced that I am covering their housing costs.Please kindly involve yourself in this issue to get the mortgage holder to understand the severity and importance of their proper handling of the matter.
I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.
I have attempted to resolve this issue once with IC System, Inc. ( " IC '' ) and the original creditor, XXXX XXXX XXXX  -- in XX/XX/XXXX -- and one previous time with XXXX XXXX XXXX -- in XX/XX/XXXX -- which attempt went unanswered.

I returned all of my XXXX XXXX XXXX XXXX equipment to XXXX XXXX XXXX   when I moved in XX/XX/XXXX, and thereby canceled the service. I have a shipment receipt from the XXXX XXXX ( XXXX XXXX XXXX XXXX specific vendor for this purpose ) evidencing the return of all leased equipment. As of the date I returned the leased equipment, my bill should have been about {$250.00}.

In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX proffered an invoice to me purporting to demonstrate a total amount due on my cancelled XXXX  account in the amount of {$770.00}, which included charges for service, and charges for rented equipment, through XX/XX/XXXX. In XX/XX/XXXX, IC sent a collection notice from IC System for the same alleged debt.

In XX/XX/XXXX, I sent letters, with numerous exhibits to both XXXX XXXX XXXX and IC. IC sought perfunctory evidence of the indebtedness from the creditor, which XXXX XXXX XXXX provided, and IC sent a new collection notice in XX/XX/XXXXor XX/XX/XXXX. The evidence provided by XXXX XXXX XXXX and relied upon by IC -- apparently without having been reviewed -- plainly contradicts the claim that my balance is {$770.00}, because the document shows that XXXX XXXX XXXX charged rental fees for equipment that had already been returned and was in its possession. ( I was not under a service contract at this time ; the term had ended in XX/XX/XXXX or early XX/XX/XXXX. ) Accordingly, even if I somehow still could possibly have had service at a residence I no longer occupied or had anything to do with, XXXX XXXX XXXX is still charging rental fees for equipment that had been returned. IC knew and knows of this defect, yet insists that I am on the hook for the {$770.00} figure.

I have invited IC and XXXX XXXX XXXX to calculate the amount I owed in XX/XX/XXXXbut they have refused. IC is now posting the purported debt to the consumer reporting agencies, and I have informed IC that it should prepare to sue me. ( I am a financial services litigation attorney, and obviously have counter-claims in mind. ) I have always been willing and able to pay whatever balance was due on my XXXX XXXX XXXX XXXX account as of XX/XX/XXXX. BUt I will not allow IC and XXXX XXXX XXXX to shake me down for indebtedness that I do not owe and never incurred in the first place.
I was threatened, by a Bank of America representative, that they were not going to post my mortgage payment if I did not pay my mortgage in XXXX payment vs paying bi weekly. The representative told me the only way they would post my payments the way I have been paying is if I paid them {$8.00} per transaction to enroll in there biweekly payment program.
While speaking to a clerk by the name of XXXX at the Judges chambers ( phone number XXXX ). The clerk advised me that their courts did not report this information to Trans Union and that their court does not even have a subscription to report to ANY credit agency. In addition, the clerk from the court explains that the courts do not physically verify or give out social security numbers or any information to any THIRD PARTY companies. So if they did not report this information how did Trans Union? According to the FCRA it is not permissible for Trans Union, a THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate information and according to Federal Court records. This information is not accurate and is not me.
I bought a watch for {$8900.00} plus tax 0f {$550.00} for a total of {$9500.00} from XXXX XXXX in XXXX of XXXX. I was given 12 months to pay the monies back without interest of XXXX percent as I filled out a credit card application through XXXX XXXX XXXX and Wells Fargo financed the transaction. I made {$800.00} dollar payments for 11 months and mailed my last payment of {$920.00} for a total of {$9700.00} on XXXX XXXX, XXXX but it was not posted till XXXX XXXX by Wells Fargo. 
Wells Fargo is now charging me XXXX percent on the original amount owed of {$9500.00}. 
Although I substantially paid down the amount owed they say I now owe them an additional {$1900.00}. They are acting as if I did not make payments. They are basically saying that if borrowed {$10000.00} on day 1 and on day 365 I paid them back {$9900.00} then I owe them an additional {$2700.00} because I owed them a dollar. 
Please help me. The true interest rate on this loan since I made payments to reduce it is more than XXXX percent. 
I have now received a statement saying I owe them {$1900.00}. Pathetic.
I wanted to pay off my XXXX loan so I contacted M & T Bank customer service email and they replied back saying it had to be paid by certified funds in order for the XXXX hold of lien release to happen so I paid with a certified check from Alabama XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX Alabama. and now the Bank M & T which in email stated nothing about a credit union certified check is n't accepted as a certified check but normal check and thus have to wait 10 days in order for the Lien to be released off Title. The email which I have and send states only that a certified funds and that I did and sent to the address they provided : M & T Bank XXXX XXXX XXXX XXXX, DE XXXX They recieved this on XXXX XXXX and I feel they are holding onto my title and lien for fraudulent reasons as I did everything they said. customer service number is XXXX and talked with a supervisor about this his name was XXXX and his employee number is XXXX.
Coinbase charged me for a transaction from XX/XX/XXXX and XX/XX/XXXX twice. The charge from the XX/XX/XXXX was {$100.00} and the charge on the XX/XX/XXXX for {$100.00}. I realize this may be small amounts for some people but this is money I need for bills and food. Please assist as soon as possible. Thank you
I disputed  XXXX  inaccurate 30 day late payments on my credit report directly to Equifax. I submitted all documentation by certified mail on   XXXX   XXXX   XXXX   to Equifax including : record of my payment due date (  XXXX  each month min payment {$560.00} ) along with printouts of my Bank Statements, verifying the date the funds were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my request by Equifax giving a response. The file should be updated noting no late pays and payments made accordingly. No rely or actin was made in over 45 days.