WillisBack/dataset-financial-user-claim huggingface dataset:
My father ( deceased in XX/XX/XXXX ) leased a XXXX in XXXX XXXX $ XXXX month. Being he was XXXX at the time and in failing health he rarely drove the car.. When he passed away my sister and I went to the dealership and advised them - they did n't know how to address the issue of a deceased customer so they got the lease division on the speaker phone. We were advised 'that for deceased customers ' ( their exact words ) all we were responsible for is the remaining lease payments ( XXXX x XXXX months = {$5300.00} ). They would pick up the car and auction it, and anything received above that would be considered 'a wash '. Fast forward to XX/XX/XXXX - I received a statement from a collection agency that {$5500.00} is due!! They did a calculation based on the residual value of the car - rather than the remaining lease payments. I said to the collection agency- why would I turn the car in, knowing that the final bill would potentially exceed the remaining lease payments? We could have driven the car for XXXX months! Hyundai is 'double dipping ' by selling the car PLUS also billing the estate!!! The collection agency actually told me too much- that they hear this from the families of Hyundai lease customers 'all the time '. The rep tried to retract her wording but it was too late! This company needs be brought to court in a class action suit- telling the families one thing when they know the truth is the complete opposite.
XXXX XXXX XXXX has had me submit the same documentation for 6 years and then transferred my file to Carrington Mortgage Services and now trying to foreclose on my home.
Chase financial holds my mgt@6.75 for 10 yrs. Advises me to stop paying for 3 months. Then they might be able to help.? It is not a federally backed loan, also a problem. I have never been late. This house is my livelihood. Can you help at all. IV tried everyone else, your the last ones. Thank you. XXXX XXXX
I used to live at XXXX place at XXXX gave them notice no time also asked them to walk throw the apartment apartment manager told me every thing is ok but after 3 month i got phone call from HUNTER WAR FIELD telling me i owe XXXX which is not true call apartment corporate office talk to corporate office told me if i paid this amount she is going to pull out from collection as soon as convocation end on XXXX, XXXX, 2017 paid this full amount now its show on my credit report collection on my XXXX and XXXX report. Apartment office never send me any bill but without knowing send to the collection.
Receiving multiple calls from BMW Financial regarding a payment that has not reached 30 days and have never been 30 days. On XX/XX/2016 they called my personal number at least 5 times. They called about 2 times did not leave a message. Then they call again and leave a message. Then they call back again and I pick up and they disconnect the call. I get upset and call them back regarding the multiple calls and they disconnect my call. Then I called BMW Financial back. Finally spoke with an agent in collections and told him that I plan on paying the bill on XX/XX/2016 and to stop calling my personal number so many times a day. He said that he would update the account regarding the payment and would stop the calls. About 10 minutes later they call me again to talk about the payment I owe. 

I am at work and when these calls are being made. I am extremely disappointed with BMW Financial and their collections department should be more trained on how many calls they can make a day. After they left a message for me they should have waited until the next day to call again. 

They have previously called multiple times per day prior to this incident but XX/XX/2016 was extremely excessive especially when they left a voicemail and then made contact with them. I can access phone records if needed.
The following inquiries are fraudulent and have been reported to XXXX as fraudulent, yet they refuse to remove them. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Furthermore, they have my address as XXXX XXXX XXXX XXXX without the apartment number listed as a separate address when they have my correct address with my correct apartment number.
I contacted the credit bureaus and provided them with written notice on XX/XX/2018, that I was a victim of identity theft and contacted the Federal Trade Commission. I contacted XXXX  and asked for XXXX XXXX XXXX  ( Account # XXXX ) and XXXX  ( Account # XXXX ) to be removed. I also contacted Experian and asked for XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) to be removed.
I was sent a letter from this company stating that I could call and make payment arrangements to keep a debt from going to the credit bureaus ... .i quickly took them up on there offer and my first payment of XXXX was due XXXX. I secured the payment with my debit card ... she then told me the account would be placed on hold and as long as I kept up my payments I would not be submitted. On XXXX I received a phone call from this same woman stating that the card I had gave them before had declined.. I let her know it was cut due to being stolen and if there was a way I could pay half the debt that friday XXXX then the other half XXXX When funds became available on my credit card I was told I would be fine and that it was no problem. Also the account would stay on hold ... I missed her call on XXXX due to working all night the night before but called back around XXXX to make the payment I had promised to keep the account current. I was met with a guy I really could n't understand and asked to speak to a supervisor. Once transferred the supervisor informed me the account was in default and had been submitted to the credit bureaus and there was nothing they could or would do..when I stated that XXXX I made arrangement with her company and was told I would be alright. She stated the account went in default once my card declined ... and it was over I hung up ... i called back later that night around XXXX a gentleman with a southern accent answered the phone. I explained the situation and asked if I could be transferred to the lady that processed my payment on friday. He told me that was impossible nothing is going to be done about this ... and anyone can help me. The submission is final and no I will not be able to talk to the lady I have been dealing with since day one.
In XX/XX/XXXX I certified mailed a dispute letter to Ford Motor Credit /XXXX  to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of a electronic contract with e signatures, and bill statements saying they verified the debt. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and BBB hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.
I got a collection account that does not belong to me, I send all the paper work to proof that the account don't belong to me. Two disputes later collection account still on my report affecting my score. 

First Dispute XX/XX/2018 Results Report Number : XXXX Date Generated : XX/XX/2018 XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX XXXX XXXX Account Name XXXX Account Number Second Dispute XXXX  XXXX XXXX  Date Generate : XX/XX/2018 Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX XXXX XXXX Account Name XXXX Account Number
I was incorrectly charged {$230.00}. The correct charge is {$6.00}. Uber agrees this is the correct charge, but because they had trouble issuing the refund to my credit charge, Uber has issued an Uber credit instead. Uber credits are unacceptable. I am being defrauded out of cash in the amount of {$220.00}.
I had a checking and savings account with Wells Fargo, I called them in mid XXXX to close both since I no longer had them servicing my mortgage. When I called I was told by a representative that there was a pending transaction and I had to wait until the following business day to close both accounts so the payment could post. I called back the following day and successfully closed both accounts. Wells Fargo sent me XXXX checks from the remaining balance in both accounts. Today Wells Fargo called me and told me that the payment they had told me posted had n't actually posted and that I owed them {$100.00}. This was for the {$33.00} payment which they told me posted and then XXXX overdraft fees. XXXX XXXX {$35.00} XXXX for the {$33.00} charge and XXXX ( {$35.00} ) for XXXX of the checks they had sent me after closing my account. I told them I would send them a check for the {$33.00} and they informed me that since my account ( which had been closed and they confirmed in writing ) was now open again without my permission I would have to write a letter, have it notarized and wait an additional XXXX - 10 business days after they received it for my account to be closed again. So they lied and re-opened my account without my permission and tried to extort me for XXXX overdraft fees.
This company has called past co workers, childhood friends, and mother in law. Some of these people I have n't spoken to in years nor know their phone numbers myself.
I have a Chase account XXXX. The principle balance on the account has been {$XXXX} sinceXX/XX/XXXX. I submitted payment since XXXX for the XXXX payment of {$XXXX} over the p/b amount. I have contacted the company several times asking to please apply my payment to payoff the account p/balance. several weeks past, then months, I reached mortgage again, in XXXX, XXXX and now in XXXX. I was finally informed they refuse to process my unapplied funds to the p/b and payoff the account, yet they continue to report on XXXX, XXXX 20/60/90 days delinquencies. I have written in XXXX, and XXXX to executive complaints with no response to please payoff my loan with the unapplied funds, close the account, correct my credit reporting for the pas 4 months bad and negative reporting.
On Wednesday, XXXX XXXX, 2017 I contacted XXXX XXXX XXXX XXXXXXXX to pay a past due bill of {$150.00} on my credit report. A bill I did n't know I had, but wanted to pay for. I was informed that the total amount due was {$200.00} that included a " Deletion fee of {$15.00} '' I paid the {$15.00} because I wanted to have the record deleted immediately. After I paid it, I was told they would delete the bill from my credit report on the first of the next month. Why did I pay the extra {$15.00}? Is n't it there responsibility to delete it once it 's paid? I emailed them and asked them to refund my {$15.00} and the response was this : Hello, you were advised it will be sent to all Three Credit Bureaus on the XXXX of the month to be removed from your credit report. The {$15.00} was the deletion fee to have it deleted from your credit. If you have any other questions or clarifications please contact me at # XXXX ext. XXXX. I have never had to pay to have something deleted from my credit report before.
I have had lot of medical issue s and had my girlfriend paying bills that come to mind out wasn't and now that I know about called Harley Davidson financial and asked to refinance or to work something out they refuse they have called late at night and called other family members disclosing my information with out my consent been threatened by them the third party finance recover people and repo guy threats of haveing me put in jail. And I traded and put money down on bike and paid for warranty that was worthless and after all that the total was supposed to be around 11000 now they say I owe them XXXX and change the bike is garbage hasn't ran right it's junk and they knew that I wanted a different bike they pressured me into this said they couldn't fiance that one should have known then it wasn't right but I'm pretty sure they have broken over 4 laws and refuse to do anything or compromise.at the least they should have to remove this from my credit don't know why they would even want it back not running I'm guessing so they can sale for XXXX dollars and come after me for the rest think not. Any help y'all can provide will be appreciated thanks
In XX/XX/XXXX I began working as a post-doc at XXXX  XXXX, which qualifies for PSLF. I have been working to get my student loan payments into PSLF and on the correct payment plan since before they even came due from grace ( XX/XX/2018 ). I managed to get PSLF status and transfer to XXXX XXXX. I paid XXXX prior to having a payment due because of the switch from XXXX. XXXX has placed my account in paid ahead status, which I requested repeatedly to have permanently removed, as this prevents payments from being counted towards PSLF ( called XX/XX/2018, agents # XXXX and XXXX ). I was told the status was removed. It was not. I paid {$60.00} in XX/XX/XXXX ( on a {$58.00} payment which showed owing nothing ). My bill is still showing paid ahead status, and in this status I can not make PSLF-qualifying payments ( at least they do not show up on my statement as qualifying, per my XX/XX/XXXX payment ). I called again today ( XX/XX/XXXX ) and was told that the status was removed previously, but the loan still shows as paid ahead for XX/XX/XXXX. I have set up to only pay the required payment for XX/XX/XXXX, but I need to pay more than the set payment as this will not cover interest and my loans will balloon. If I end up moving out of government work/PSLF-qualifying work, this will cause me to owe an insane amount of money. This should be simple, XXXX should be able to apply any extra payment to interest/principle as requested repeatedly ( I have also e-mailed via secure system twice ) and my payments should be PSLF-qualifying. They seem to be unwilling to actually do so.
On XX/XX/XXXX my computer was hacked into by a guy claiming to be from XXXX and wanted to fix a virus I had on my computer. At the time I could not get out of the computer so he took control of the computer only for me to learn he had fraudulently hacked into my debit bank card, my XXXX credit I had and all in all charged off over {$1200.00} in purchases. 
I was able to claim back from XXXX the credit I had there, as well as other charges he had done but the one charge i never recouped was with Western Union and that was a {$430.00} charge or money sent. 
That money sent I learned was to a XXXX XXXX in the XXXX, NY and was picked up at XXXXXXXX XXXX on XX/XX/2018. 
I have spoken to the supervisor XXXX with Western Union butr he claims to still be working on the case. 
The debit card that was used was # XXXX. That card was shut down by my bank, XXXX XXXX as a result of this fraudlent activity. The bank claimed it was my fault. 
The tracking number on the transfer was XXXX. I contacted the Sheriffs Dept and filed a complaint.

The phone number for the Western Union Manager XXXX was XXXX Opt XXXX. 
I do not know a XXXXXXXX XXXX and I did not authorize the transaction and I feel i am owed that {$430.00}. 
Western Union has not helped me in tracking down the guy that did this. I need that money desperately Thank You
I had taken a loan several years ago with   XXXX   XXXX  , which was transferred to Navient. I paid Navient a payment of approximately {$100.00} per month, which was increased to {$210.00}. per month. I then received a letter on  XXXX  XXXX /17 that my payment would be increased from {$210.00} to {$650.00} a month. I called Navient and was told there are no options to lower my payments-my options were to take a forbearance or pay the high payments which were unaffordable, especially since I have federal loans which I pay as well. I was told there were absolutely no options to make my payments any lower. I immediately had to take the forbearance ( dated  XXXX / XXXX /17 ), and had to quickly apply to refinance the loan through   XXXX   XXXX  . The loan was secured through  XXXX , and I was forced to pay off my loan to Navient dated  XXXX / XXXX /17.
My wife and I have had a credit card account with Bank of America for a number of years. Every month we pay the balance in full, and on time. 
This credit card account accumulates cash rewards. If the cash reward is redeemed and applied to a Bank of America account, there is a 25 % bonus added to the redeemed amount. 
On or about XXXX XXXX, 2015 I signed into the account online to redeem the cash rewards, which at that time was {$610.00}. My intent was to apply it to a Bank of America account, qualifying us for the 25 % bonus, for a total of {$760.00}. 
The online system would not allow me to do the redemption. 
I later learned that Bank of America had closed our account that day. They would not give us the reason for closing the account, but I assure you that Bank of America can not say that we had done anything wrong to warrant the closure of the account. 
I called the bank four times since, and they have refused to give us the rewards that we earned by using their credit card. They say that because the account is closed that we are no longer entitled to the rewards. 
Basically, Bank of America is depriving us of the rewards that we earned by using their card. We did n't have to use their card, we chose to do so because of the rewards.
I'm no longer a customer with Wells Fargo, as I was able to refinance with another lender but I wanted to file a complaint against the company on how they handled the situation. 

There was a short period where I fell behind on payments and Wells Fargo converted my traditional 30-year mortgage to a 50-year load modified mortgage where I was basically paying interest. After paying mortgage payments for 2+ years, I was noticing that my payments were not even impacting the principal. I felt like Wells Fargo placed me in a very unhealthy mortgage loan, and felt that I was scammed. I would like this to be reviewed in detail and see if what Wells Fargo did was unethical.
Checked my credit report recently. There are many inquiries that are not from me. I tried contacting these companies to remove them but they were no help. Please help me remove this inaccurate information. Ive compiled pictures and a list of the inaccuracies. 



******XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX***** +*****700 XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX***** *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX***** *****ALPHERA XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY***** *****XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX***** *****XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX***** *****XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX****** *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX****** *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX****** ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) 946-0332******* ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX  XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere Classified XXXX XXXX  XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX/XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX****** ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX Cable TV Providers XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX****** ******XXXX XXXX XXXX & XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX****** ******XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX****** ******XXXX/XXXX/XXXX/XXXX/XXXX/ XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *****XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX****** *****XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX***** ******XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX****** These are not from me and have been applied by someone else by fraud . I will lock my credit reports after these are removed.