WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted my finance company on XXXX XXXX, 2015 made a payment for my XXXX payment and asked if I could have my XXXX payment deferred due to financial hardship. I was advised by a representative to fax a letter in writing to the deferment department explanning why i am requesting a deferment. The represenattive advised that I fax it in ASAP because i was in the first half of my grace period. I faxed the deferment XX/XX/2015 to the deferment department and have a fax comfirmation the fax was successful. I called two days later like i was advised to be told my deferment had been received and being reviewed. Two days later I receive a call requesting for me to make a payment and I advised i had submitted a deferment. The representative stated no deferment was received and aggresively requested payment. I advised him I spoke with someone in the office two days prior and was told it was in the system. He asked me to hold came back on the line stated he did see the deferment apologized and disconnected. I had n't heard anything so i assumed the deferment had been approved until I received a call tuesday XXXX XXXX, 2015 demanding payment. I advised of the deferment and was stated once again deferment was not received and in order for them to process the deferment i needed to pay a {$150.00} fee to process the deferment. I was never told their was a fee to process the deferment and it defets the purpose of a deferment. I have not been treated fairly from this company and have had many problems.
On XX/XX/XXXXI notice a collection on my credit report from XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX Texas XXXX. in the amount of {$7600.00} for a car loan charge-off closed account which was stated open XX/XX/XXXX on my XXXX XXXX report andXX/XX/XXXX on my XXXX report .I reached out to this company by certified mail on XX/XX/XXXX and tried to call several time with no response from the company they failed to mark my credit report as disputed and failed to reach out to me about this account via mail I waited 31 days and reached out to the company again via certified mail onXX/XX/XXXX still with no luck. On XX/XX/XXXXI check to see was this company license or had a surety bond active and place to even collect a debt in the state of Texas which is required under the Texas Finance Code Section 392.101 and the surety bond was canceled on XX/XX/XXXX I need this company to validate this collection account they have placed on my credit report stating I owe them any help from the CFPB would be gladely appreciated because this company is not responding to any of my letters nor are the legally authorized to collect third party debts in Texas
Hello, I use a BP credit card ( Synchrony Bank ) for my flight business to purchase fuel for my planes. We use the card a lot depending on the weather. So some times I may need to pay on the card two or three times a month depending on how busy we are. 
So to my complaint : I have recently made a couple payments on said card. Last payment on XXXX XXXX, XXXX, which the money was taken out of my business account on same day and posted to the BP credit card account. To date they have not posted my money to my available credit due to what they have said ; multiple payments in a billing cycle. I have asked them to release the amount so that I can use the card for my business. I was told that they will not release the fund for two more days. 
I feel the this abuse if not thief on their part. They will have sat on my money for a total of 7 days. Credit card companies are allowed to take advantage of its costumers without any recourse. 
Account Summary Current Balance* : {$1700.00} Minimum Payment Due : {$0.00} Make a Payment Payment Due Date : XXXX/XXXX/XXXX Available Credit* : {$23.00} Request Increase Available For Cash Advance* : {$23.00} Total Credit Limit : {$2300.00} Payment History Last Payment : {$500.00} Last Payment Posted : XXXX/XXXX/XXXX View Online Last Statement Date : XXXX/XXXX/XXXX Last Statement Balance : {$2000.00} Enroll in Electronic Statements
My property taxes were adjusted by the county tax assessor for the year XX/XX/XXXX to XX/XX/XXXX. They have also been reviewed and lowered for the next year XX/XX/XXXX. For the XX/XX/XXXX year the original amount due in taxes was XXXX. After review and appeal to the county the new amount due for XX/XX/XXXX became XXXX total, of that amount my first tax payment was collected in my mortgage payment along with my property insurance. My mortgage company Wells Fargo has paid the first bi-annual payment based on that first amount of XXXX. So they have already paid XXXX and according to the county assessor my remaining tax balance is only XXXX for this year. Now Wells Fargo has received all the new tax info from the county and done an updated escrow analysis but the are basing my next by annual projected payment on half of the total tax amount for XX/XX/XXXX which was XXXX and not what the remaining balance really is. So they are estimating my projected next payment at XXXX instead of the actual XXXX remaining balance. That is an over estimation of XXXX. The remaining balance in my escrow account right now is XXXX. That's XXXX more than I need to finish paying my taxes this year plus they have another 6 months left this year to collect escrow towards next years taxes on top of that XXXX. And they have projected me at XXXX. plus shortfall on my escrow based on a faulty over XXXX estimation of taxes remaining this year? Is this even legal? Wells Fargo has broken the law and been in trouble so many times I can't be sure nor do I trust them. Also if they are doing this to me what if they are doing it to thousands of other customers the extra money they would be raking in would be staggering?
I checked my credit report and noticed a debt owed to a company that i don't ever recall having a financial agreement with. I mailed the company a letter to verify and validate the debt owed, but my requests were ignored. I disputed the debt with the credit reporting agencies, and it came back as accurate. The following account needs to be removed immediately : Account Name : XXXX XXXX. Account Number : XXXX. Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.
I have just checked my credit report and I saw a debt collection from a company I do not owe any money to. They have never sent me any letters. They have not let me verified this debt. There was no communication from the debt collector. I have no contract at all with  Diversified Consultants Inc.
I disputed an item TransUnion. Their results claim that the account was verified as correct. 
The account is with XXXX XXXX XXXX XXXX. $ XXXX XXXX bal. XXXX current balance {$630.00} payments $ XXXX monthThis does not make any sense if the original balance and the current balance are the same after 3 1/2 years. This is not my account and needs to be removed from my credit.
I took a lease through American Honda Finance. Account #: XXXX. The lease was paid in full, and the vehicle was returned.  I leased another vehicle through Honda immediately.  I subsequently received an invoice for a turn-in fee, which they charge when you do not lease another Honda. I called them immediately and told them that I had leased a new vehicle. They asked for me to send a copy of the new lease. The finance guy at XXXX XXXX was helpful, and faxed it to AHF immediately.  I received another notice a few weeks after that stating that the turn-in fee was due. I called again - there were a number of calls back and forth. The finance manager at XXXX  XXXX sent the fax another two times, and I called AHF to let them know. I then received a notice about a month later stating that the amount is overdue. I called them got the name of the case manager in charge of my account, and had my Finance guy email them a copy of the lease. He cc'd me on the email. The first fax was on XX/XX/XXXX, and the last email he sent was on XX/XX/XXXX.  They said that as soon as the paperwork was processed, they would remove the turn-in fee as it is not due if I lease another vehicle. In the interim, I was making many calls to American Honda Finance, Honda, and speaking to many people to resolve this and was assured that if I had leased a new vehicle it would be removed from my account.  I finally reached someone on XX/XX/XXXX, who I insisted wait on the phone until he could confirm he could see the email. He acknowledged the email and said that the turn-in fee would be removed (this was erroneously charged, and should never have been put on my account int he first pace).  American Honda Finance reported to the credit reporting agencies that my account was delinquent around the XX/XX/XXXX, causing my credit score to drop almost 100  points. I request that American Honda Finance contact the credit reporting agencies to state that it was reported in error.  There is no reason I should have to suffer from their errors in charges, and record-keeping, and I believe their operation is negligent and suspicious in their charges.  Everyone at American Honda Finance has been insufferably rude and determined to be unhelpful, so I have not had any help from them. Nor Have I had any help from Honda.
I am a victim of predatory lending. I had an appraisal performed on my home and found that I fall within the XXXX LTV range which qualifies me to get my mortgage insurance ( MI ) dropped. If I refinance I will get the MI dropped but that will cost me about XXXX in closing cost. 
When I call my servicer Pennymac to conduct an appraisal they tell me LTV must be at 75 % for them to consider removing my MI because of FHA guidelines even though I no longer have a FHA loan. Pennymac had me call FHA and FHA told me I no longer have an FHA loan. Of course I called back and they said it somewhere in my disclosure that they have to look for.
On several occasions I submitted a letter to the credit bureau Transunion and XXXX regarding incorrect information on my credit file. Both of these Credit Brewers continues to respond by saying that said information has been Verified. This is incorrect and impossible as the information in question does NOT belong to me! I have asked each credit Breuer on numerous occasions to please send me information on how the information was verified, whom was the point on of contact and to provide me with legal documents that contains my signature. I have yet to receive proof of said obligations and this incorrect information is ruining my life!
XXXX XXXX XXXX was the final creditor on an old account in the amount of {$3100.00}. account # XXXX XXXX. the account was settled with them on XXXX/XXXX/15 in the amount of {$1700.00}. I have tried to contact them to update my credit report but the phone numbers I have are either " having trouble '' on the line or out of service. I even tried contacting the CEO XXXX XXXX but have received no response from him either. I want this off my report as I am trying to rent a new apartment and this is effecting my options.
This was reported to the credit agencies without an attempt to validate the debt and despite numerous attempts to get them to rectify after I was made aware of it on my report, they refuse to correct their records. 

I requested documentation to verify the debt and the documents submitted are fraudulent and do not address my issue of validation of the debt. 

The documents do not bear my signature and I did not obtain this loan. The address used is my old address and I did not live at this address when they are claiming the account was open. 

The bank account listed on these documents is not mine and the documents do not bear my signature. 

They continue to report this on my credit despite the numerous requests to validate. I am also opening up a case with Consumer Protection. 

I need this removed from credit reporting agencies.
I sent a debt validation letter to XXXX XXXX on XX/XX/2018. They are unable to hard copy proof validate the debt.
On  XXXX / XXXX / 17 , I submitted a complaint to the CFPB in regards to an unverified debt. The company provided un-signed documents indicating I had a loan with a company via online. However, there should be other identifying information related to this account and this company has failed to provide. As part of my complaint the company stated a deletion was being submitted and the information should be removed from my credit profile within 30 days. As of today,  XXXX / XXXX / 17 , the account remains. The complaint in which this company responded is  XXXX  and the company stated " In consideration of the consumers confusion, and as a gesture of good will, we will issue a deletion to the bureaus on this account. Please understand that once we have issued a deletion to the b ureaus, it may take up to 30 days for entry to fall off of the consumer 's credit history. Please let us know if we can be of further assistance ''
Leased a   XXXX   XXXX   XXXX   from a local dealership who ran the lease through Ally. Turned the car in on a pull ahead program and the day we turned it in Ally electronically took another month 's payment (   XXXX   ) out of our account. Was told we would get that payment back since we no longer were leasing that vehicle. Ally just sent me a letter saying the lease was satisfied, but when I called them to ask about the refund for the month going forward they claimed they do n't owe me anything.   XXXX    fired Ally some time ago and  XXXX  claims this is just Ally getting back at them and they have no responsibility.
company XXXX XXXX XXXX contacted me. My number is on the donotcall list. they must be collecting from someone named XXXX XXXX. The social security number and addresses they have do not match mine. They should not be allowed to look up my name online and call me on a phone number that is on the donotcall list just because I have the same name as the deadbeat they are chasing. Is it ok for them to do this?
USAA knowingly uses a criminal enterprise to steal vehicles, cash inside the vehicles and personal identifiable information. 

USAA promised me I was being considered for a loan modification and promised me as long as the loan was in the process that nothing would happen. I find out later they lied and my vehicles were stolen off my property. 

USAA rep told me once a decision was made on the loan modification that I would have 5 days to bring the loan current if it were over 60 days. They lied and pulled a bait and switch.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I am writing to your agency because I am very upset the way my credit card company ( Discover ) handled my claim. I disputed the charges of {$3000.00} made by this fraudulent company called XXXX on my card on XX/XX/2016 and also XXXX charges of {$190.00} charged by XXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016 These companies called me and were very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Discover denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.
I signed up for a Citigold checking account on XXXX XXXX under a promotional offer ( XXXX ) that promised XXXX XXXX XXXX miles after completing two requirements : { {$1000.00} } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. When I first opened the account, I had a call with a Citibank representative regarding an issue with funding the account ; I was unable to fund the account in the manner that was originally advertised, but she did confirm my enrollment in the promotional offer as stated above. I completed the requirements and reached out to Citibank to confirm ; the customer service representative confirmed that I had met the requirements and would receive my AA points within 90 days. I waited 90+ days and still had not received my points, so I reached out to Citibank multiple times with their response being that I needed to wait longer to receive my points. After many months and further inquiries, Citibank finally told me they would open an " investigation '' regarding the points I was due. The conclusion of the investigation was that I would not be receiving my points despite being eligible under the terms and conditions and meeting the requirements for the promotion. Unfortunately, I did n't save all of the documentation ( mostly secure messaging and chats ) since I was getting positive information from Citibank a majority of the time ( " yes, you 're enrolled '', " yes, you qualify '', " yes, you 've met requirements '', " yes, you 'll be getting your points '' ) and I also did n't realize until it was too late that you have to actively save messages ( most other companies keep messages until they 're actively deleted ).
Hello my name is XXXX XXXX I have a XXXX XXXX XXXX with American Credit Acceptance .When I first got the Jeep it was XXXX Now they telling me at was XXXX I have been paying on this truck for almost 2 years and the balance is every time I make my payment of the due date which is the XXXX of each month they have it going straight to my interest and not my principal and every time I make a payment weeks early they will have a small portion going towards my principal. I will never be able to pay thiXXXX XXXX XXXX off if they keep on ripping me off. They got sue in the State of Massachusetts and the company have move, so many customer is complaining on them can someone please do something about this matter.
I receive a phone call from this number at least once a day, while I am at work. They do not leave a voicemail stating what they are calling for, they just continuously call every single day.
Upon moving from XXXX location to another XXXX did not forward a final invoice for {$82.00} dollars. This has been paid but was late to XXXX due to their failure to invoice. G C SERVICES a collection agency has claimed the recover of the debt even though it was paid directly to XXXX. They have since put XXXX collection notices on my credit report and went as far as listing that I had an open account directly with them on my credit report. They do not respond to phone calls to their offices.
I have contacted TransUnion several times before concerning the issue of removing items that do NOT belong to me. I have taken matters into my own hands and hired an attorney to pursue a lawsuit against your company if these issues are not removed immediately. I have a police report that identifies the accounts and inquiries in question and have the evidence of certified letters sent to both the creditors and your company. In the event you decide to remove the accounts and inquiries, we will not move forward with the case.
Frequent automated and not automated calls. Even on Sundays. My accounts with them are set up on automatic draft so there is reason for themy to call and badger me about payment
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy All that is listed above is not mine please have them send the CFPB proof of said fact so I can take this to next level
fraud inquiry on my credit report from synchrony bank ( Walmart credit card ) I 've tried a number of times to contact Walmart and synchrony bank to only here 45 days and it should be removed it has been well over a year.
My name is  XXXX   XXXX  and there are a total o f three credit ca rds in which I did not apply for and showing up on my report and at my home mailing address. Thos e three are ch ase bank,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Can u please look into this and please take them off my report it 's been a fraud on my behalf.   Call me  XXXX  Thanks,  XXXX   XXXX
Wells Fargo Financial Bank opened up an account in my name without my authorization or permission, and sent me a XXXX XXXX XXXX credit card ending in : XXXX, I never applied for the XXXX credit card account. The XXXX credit card account has a current balance of {$4300.00} which is not my charges or credit card account. I contacted my 2 U.S. Senators from Arizona, thats U.S. Senator XXXX XXXX and XXXX XXXX in regards to my issue. Senator XXXX and XXXX sent me a letter assuring me they would look into this matter and contact executives from Wells Fargo Bank to seek an immediate resolution to this matter. Senator XXXX informed me that hes considering calling Wells Fargo Bank Executives to Congress for more senate confirmation hearings on my issue and other constituents in their district complaining of the same issues and problems. Wells Fargo Bank Executives has appeared before Congress for congressional hearings the last few years to answer for Wells Fargo Bank opening up millions of checking and credit card accounts in peoples names all over the country without their permission or consent. Wells Fargo Bank just settled a National lawsuit for opening up accounts all over the country in Americans names without their permission or consent. I was part of the class action lawsuit and Wells Fargo Bank just credited my checking account XX/XX/XXXX for {$85.00} as part of the class action lawsuit settlement for opening up a checking account in my name back in XX/XX/XXXX/XX/XX/XXXX without my permission or consent.
Bank of America is reporting with the XXXX credit bureaus that I am in Chapter XXXX bankruptcy with them/home loan and I am not. I have not filed bankruptcy on my home.