WillisBack/dataset-financial-user-claim huggingface dataset:
I received a loan from XXXX XXXX XXXX in XX/XX/2018 for {$6500.00}. At 75 % interest. I made every payment including the XX/XX/XXXX payment. On XX/XX/XXXX I had an electrical fire in the truck. I notified XXXX and they contacted my insurance company with a loan pay off amount of {$7300.00}. Which was strange because as of XX/XX/XXXX the loan principal was {$6200.00}. My insurance made a payment to XXXX XXXX XXXX for {$7300.00} on XX/XX/18. I have a copy of the check. On XX/XX/XXXX my normally scheduled payment date I began getting 4 to 5 calls a day claiming my payment was late. I checked my online payment history and it showed a payment of {$5700.00} was made but I still owed a principal of {$920.00}. The calls continued 4 times a day everyday as late as XXXX. After attempting to speak with the various managers and having to argue my case. They claimed to start a payment investigation which still has yet to be resolved. I'm assuming the {$5700.00} was the true principal owed and once they knew insurance was involved they changed the principal to {$7300.00} with a plan to pocket the {$920.00} but failed to change the principal back in the system. So not only do they owe me that money but they are also attempting to collect it from me.
I have already reached out once my 2ND ATTEMPT - Equifax about the following accounts : 1. XXXX XXXX XXXX - {$450.00}. These accounts do not belong to me. 

2.XXXX XXXX XXXX {$12000.00} account does not belong to me. 

Received notification that these accounts were verified but I have not received any VALIDATION SHOWING THAT THESE ACCOUNTS BELONG TO ME- - According to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed above. Under the FCRA, unverified, invalid accounts must be removed. 

Equifax reporting Unverified documentation!!
I negotiated a debt settlement arrangement directly with the debt collector. I took their enticing offer while I was already making on time monthly payment to that same debt collector. I paid the full one time payment requested at the time. Paid in full the amount offer proposed and arranged by the debt collector. And find out that they reported me to the credit bureaus negatively for paid less in full well I actually paid in FULL my debt under their enticing offer! AT NO TIME, they reported to me that they would report this negatively to the credit bureaus otherwise I would have refused and kept my monthly payment. They should have reported this as paid in full! Or disclosed their bad intentions against me.
Everbank keeps changing the terms of the loan and decreasing the amount of the mortgage. They keep making serious errors in paper work ( for example, saying we would pay them over {$28000.00} to close a loan for XXXX amount paid out, and still pay monthly for 30 years! They keep running credit checks which lowers the FICA score and then want to raise the rate as a result. We have yet to see any paperwork come through correctly in over two months of processing time.
GMAC ALLY BANK HAS FRAUDULENT RUN A APPLICATION FOR A VECHILE LOAN UNDER MY NAME AND SOCIAL, CAUSING A MIXED FILE UNDER THE NAME OF XXXX XXXX XXXX. I NEVER APPLIED FOR SUCH FINANCING AND WANT THIS REMOVED ASAP.
I have been going through a loan modification through the XXXX XXXX XXXX XXXX and my mortgage company Freedom Mortgage. We had struck a deal with the mortgage company to modify my payments since I was going through a divorce, and I sent the XXXX XXXX XXXX XXXX money ( I have receipts ) to help. It has been about 9 months now and I just received my Sheriff 's Sale notice. I have been calling the XXXX XXXX XXXX XXXX for the past week with no response. I called today my mortgage company and they have said they last contacted them in XXXX 2017.
Trying for two years for modification. Turn down four times first time not enough money, sec time to much money, third time not XXXX days late, the last not enough money and I got XXXX days late. They took 4 months to tell me this, and I gave all doc. They ask for. I want to keep my house. I had XXXX hardships a XXXX XXXX and loss half of my income. They just play a game with u and string u along.
This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing a 30 day late payment. The late is displayed in XX/XX/2010. I wrote a letter asking Equifax to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XXXX and was informed by them that these late were not verifiable and no longer on record an that Equifax will remove the account completely. But they have yet to do this. I am suffering financially because of This false reporting and this falsely delinquent account.
calls me most everyday and has called XXXX a day and has called me a XXXX. When I asked them not to call they told me that if I did that my full mortgage amount would be due.
Received alert from XXXX XXXX based on fraudulent data. XX/XX/18 After talking to several people at XXXX XXXX on XX/XX/XXXX I was then left on hold over 30 minutes to be forwarded to supervisor then hung up on me,. Recalled, and told must call Equifax. Equifax told me it was XXXX XXXX problem, call them, On hold again 40 minutes. Told Not their problem, call Equifax. Refused to give me a phone # other than that on web site #. 
All Credit Cards # on XXXX XXXX suite are fraudulent. All reports on Credit status for past 10 years aprox, have been Fraudulent.

Have PAID for this inept service for over 10 Years!.

NO ONE offered to help resolve problem at XXXX XXXX or Equifax.
Equifax breached all of my personal info to cyber attackers : XXXX XXXX XXXX Apparently they knew of this breach for 2 months and did nothing about it, now all of my personal information is in these cyber attackers hands to sell ...
I have had a Best Buy Credit Card for some years now and have used it to but big household purchases at different times, tv 's, gaming systems, computers etc.     I recently purchased a home in   XXXX   XXXX   XXXX   and needed all new appliances so I took advantage of Best Buy 's 18 month  XXXX  interest deal and spent over {$6000.00} on appliances.     I have always done the paperless statements and just log in and make more than the minimum payments and continue about my day. On    XXXX   XXXX    I actually opened up the statement and saw a charge for Debt protection fee in the amount of {$48.00} for that statement. I looked back over my statements and they 've been charging me the whole time and I never agreed to this. I 'm the consumer that refuses all extended warranties, any additional add ons I 've always declined and I know I did not agree to this fee.     I called on the same day   XXXX   XXXX   and  Best Buy  Customer Service told me I would need to call the Debt Protection company to " request a refund '' I called the  XXXX  and spoke with  XXXX . She said she would file the request and within 30 days I would hear from them whether they would refund it or not. On     XXXX   XXXX   I received a letter in the mail saying that they would not be issuing a refund for these fee 's and that they did cancel the debt protection coverage.     I 'm livid at this point and I call again to this debt protection people, who Best Buy uses and I spoke with  XXXX . She says we can put in a second request if I like and that within 30 days I would be notified of their decision. On   XXXX   XXXX   I did get a letter again that they would n't be refunding the fee 's that I was charged. Again, I did not agree to this.     On  XXXX   XXXX  I did receive a call from  XXXX   XXXX  who is a Best Buy Citi Card Account  Manager  and he apologized for any confusion and explained that the Debt protection was n't a part of them, they are a third party that they use. I explained to him my frustration and told him that this was very bad business practices and that I was shocked they would be operating in such a manner. He said that since I was such a loyal customer and that my account had been open for so many years he wanted to offer me a credit on my account for {$50.00}. I told him I did n't want a {$50.00} credit I wanted the charges that should n't have been on my account off of there. They go back and are on there every month, over {$500.00} worth of charges since I just bought the appliances in   XXXX   XXXX   XXXX    . He said he still was going to apply the credit and again he was sorry for my frustration etc.     I understand that there are  XXXX  people at play here. Best Buy, Citi Bank and this third party  XXXX   XXXX   XXXX . I think it 's very deceitful to do this to who knows how many people and when the consumer actually notices it no one seems to be able to do anything to fix it except say I 'm sorry. This has really changed my opinion of Best Buy in a negative way and to have spent over {$10000.00} in their stores it really makes me feel like they do n't appreciate my business.
My wife and I received in the mail a pre-approval letter from First Direct Lending. Address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. The letter said we were pre-approved to refinance our mortgage at the exact amount of the existing mortgage. The rate would be about half of what it is now. The amount that was clearly stated was XXXX. We called the number and spoke to the agent. He sent us his qualifications for verification. Everything seemed fine. I told him we had received his company 's letter in the mail. 
The application process took a day or so because I had to send him copies of our XXXX 's, payroll stubs, drivers licence, tax statements, insurance verification and so on. After giving up all and I mean all of our personal information, including SS # 's, he wrote to us saying we did not qualify for the loan because of the amount. 
I wrote to him and accused his company of fraud. I can send you copies of the letter we received. What worries us is that they now have all of our information. He could have told us the amount was too high right away but instead asked for all information. What is going on? And the letter we received being pre-qualified? If we were pre-qualified for the amount shown then we should have been able to refinance as stated. 
This is a scam and I would like this company investigated. I will take this as far as I have to. I am angry and I have every right to be.
XXXX XXXX, FL XXXX ( XXXX ) XXXX Use my credit more than XXXX time I would like to remove XXXX them off my credit report if possible Thanks
Quicken Loans Mortgage Company has been making credit inquiries on my credit report since XX/XX/XXXX. Quicken Loans are using a Company call XXXX to make inquiries on my credit report. Quicken Loans / XXXX are causing my credit score to decline from mid scores of XXXX down to lower scores of XXXX on my credit record due to their inquiries. I need this stopped immediately and my credit score returned back to XXXX+ score, prior to a mortgage loan they process for me doing that time. 
Documents Quicken Loans would need Finance XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX/XXXX/XXXX at XXXX To XXXXXXXXXXXX Message body XXXX We would need : XX/XX/XXXX & XX/XX/XXXX Tax returns XX/XX/XXXX & XX/XX/XXXX XXXX XXXX paystub dated within the last 30 days Lease agreement for rental property. 



XXXX Quicken Loans XXXX XXXX | Mortgage Banker Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXX # XXXX Highest in Customer Satisfaction in the U.S. by XXXX. XXXX XX/XX/XXXX - XX/XX/XXXX Primary Mortgage Origination | XX/XX/XXXX - XX/XX/XXXX Mortgage Servicing
My husband and I filed bankruptcy 6 months ago, and everything that was on our credit report was included and discharged. However, on my credit report companies are still reporting that the accounts are either still opened or I 'm behind in my payments. I thought once a person filed bankruptcy the status is supposed to changed to " Included in bankruptcy ''. I have disputed this information being reported to the creditors and Equifax. In addition, I sent them supporting documents and I even called, but I am getting hung up and even after the 30 day wait for the dispute the items on my report are staying the same. I believe what Equifax and the creditors are violating the Fair Reporting Act and have totally disregarded the bankruptcy paperwork which they can retrieve themselves because his is public information. Also, in the public section of my credit report they have n't even added that I filed bankruptcy. I am really sick of this problem, it has been going on for about 5-6 months now after the bankruptcy.
I received a called from The CBE GROUP INC in XXXX XXXX regarding a Financial Aid from XXXX XXXX. I did not know I had a balance because the Money was free for the classes I took. But the school said i was not in the other classes so that is why they were asking for the balance money. When I spoke to THE CBE GROUP INC, they said if i paid in full, they will Delete it from my Credit History. I paid off the account in full in XXXX XXXX. That is still showing on my credit history. I asking THE CBE GROUP INC and XXXX XXXX to please delete the negative from my credit history.
on XX/XX/2018 I purchased a kitchen at the Home Depot in XXXX XXXX, Puerto Rico. They told me that in 60 days the kitchen will be ready to be mounted in my home. Is XX/XX/XXXX and I don't have anything. I went in XX/XX/XXXX and XX/XX/XXXX asking for the kitchen and they said : " it's on his way ''. In the begining of XX/XX/XXXX I went to ask again and they said that some cabinets were broken and were on the way to the store. At the end of XX/XX/XXXX I went and the cabinets weren't at the store.When I requested a refund for the kitchen they ask me for an opportunity to fix the problem. I requested that they have until the end of XX/XX/XXXX and they agreed and gave me a {$660.00} credit. 30 days later the cabinets were broken again and they don't want to refund me the money that I paid with the Home Depot Credit Card. I requested the refund because it's been 7 months and I don't have anything.
On XXXX XXXX, 2016 I received a call from a XXXX XXXX, with XXXX XXXX @ XXXX stating that my student loan from American Education Services, AES is now in Default and that Transword System have my student loan. XXXX XXXX went on to say that I owe {$15.00}, XXXX on my loan and that National Collegiate, NCT Trust is offering me a settlement to pay only {$11000.00}. XXXX XXXX went on to break it down that if I ca n't pay {$11000.00} I could pay {$2500.00} down and pay the remaining balance each month until paid in full. I tried on several attempts to get National Collegiate Trust 's contact number so that I can confirm XXXX XXXX 's conversation. As of XXXX XXXX, 2016 I have yet to receive that information. In fact, I spoke with XXXX XXXX 's supervisor on XXXX XXXX, 2016 and ask for NCT 's contact number he gave me an account number that included my social. On XXXX XXXX, 2016 I contacted AES to see what was going on with my account, AES informed me that my account had a $ XXXX balance and that they do not have any other information on my account. I asked if AES had a contact number on NCT, they provided me with XXXX XXXX 's contact which is XXXX. I have research and google NCT and found nothing. At this point, I 'm not sure who is NCT and why is XXXX XXXX trying to collect {$11000.00} from me. XXXX XXXX XXXX provide me with a " Note Disclosure Statement '' which included my husband and I signature. They have not provided us with any proof of ownership of my XXXX XXXX account. I never received anything from NCT stating ownership of my student loan. Also, NCT has not provided me anything in writing stating that they transfer the account to XXXX XXXX. I truly believe that me and my husband are a victim of fraud and identity theft. My husband and I have never dealt with NCT in the past or XXXX XXXX. In addition, we have no knowledge of these companies and if they are legitimate. My original student loan was with XXXX XXXX and payments were submitted America Education Services. I 'm requesting a full investigation on this matter as I strongly feel that my rights as a consumer has been violated with these people. This has caused a XXXX in my life. Thank you
To Whom it May Concern : I have a mortgage with Compass Bank ( loan number XXXX ) which I am trying to refinance. The bank has quoted a payoff quote that is excessive. My current statement attached shows a balance of {$150000.00} as of XXXX. A mortgage payment was posted after this statement was issued ( XXXX ). However, they are showing a current payoff of over {$160000.00}. When I called their customer department they informed me there was a {$2900.00} interest charge added to the payoff. They are researching this situation in order to verify the payoff amount and have asked anywhere from XXXX to XXXX hours to conduct their audit and respond. 
I believe this shows some significant issues with a bank operation when they proceed to offer such gross negligent payoff quotes. Fortunately for me I am knowledgeable enough to understand there was an error in their calculations. My concern is that Compass Bank may have issued many incorrect payoffs in the past and have not provided refunds to less sophisticated customers. If they know of a system problem, they should have corrected this by now. 
A suggest an audit of their operations in calculating an providing payoffs would be appropriate.
On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a certified letter requesting debt validation. This company failed to respond to the letter. On XX/XX/XXXX @ XXXX I called & spoke with a XXXX representative in regards of the XX/XX/XXXX XXXX XXXX. The representative informed me that the vehicle was auctioned off on XX/XX/XXXX ( shortly after repossession ). On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a 2nd certified letter informing them that the account was in dispute due to the companys failure of proper notification of intent to sell the vehicle per state law. The letter requested proof of notification within 14 days ; if no proof was provided the alleged claim of deficiency is null and void. As of XX/XX/XXXX XXXX XXXX XXXX hasnt responded to either of the certified letters sent.
To whom this may concern, Scottrade Bank recently suffered another databreach exposing personal information. I was previously an account holder at Scottrade Bank and Scottrade XXXX until being a victim of identity theft and having gone through significant problems as a result of Scottrade 's last XXXX customer record data breach. 

I am writing today to request Scottrade Bank affirmatively confirm or deny whether or not my personal information was exposed in the newest data breach. My former account number are XXXX and XXXX. Additionally, I would like to ask if Scottrade has plans to provide identity theft insurance for these breaches. 

The databreach was reported here : XXXX as well as XXXX and elsewhere.
On XXXX/XXXX/15 I started an International Wire Transfer to XXXX at a Union Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Since the transfer was going to be sent to XXXX US Dollars were converted to XXXX XXXX After 72 hours that transfer was started I went back to the branch and I was told that the Wire transfer was not completed because of incorrect beneficiary information. I was told that if I decided to cancel the Wire Transfer I would be receiving less money because of the difference in exchange rate. I was never told that if I did not decided to cancel the wire transfer I would have gotten all of my money back into my account. Because the currency was changed back from XXXX XXXX to US Dollars, by cancelling the wire transfer I ended losing {$930.00} US Dollars
WE ARE BOTH XXXX AND WANT TO SUE THEM FOR VIOLATING SEVERAL CONSUMER PROTECTION LAWS.
Care Credit has charged my interest and has not removed it. This was supposed to be a 24 month SAME AS CASH. They never changed it from their standard 12 months. The provider has called them no less than 5 times. They also had names and confirmation numbers. I have also called many times and emailed. They refuse to correct this and just keep throwing us back and forth with no resolve. I need this handled.
Suburban Credit Corporation has inaccurately reported a debt on my credit report. On my initial dispute, I advised them I have NEVER been a patient of XXXX XXXX. However, they REFUSE to close the account. My credit score is damaged because of this FALSE debt. How can I be taken to Collections by XXXX XXXX if I have never been a patient? Also, I am have Health Insurance. Please investigate this irresponsible reporting by XXXX. It damages my Credit Score and they simply are not doing their job such as ACCURATE reporting. Thanks, XXXX XXXX XXXX
I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is XXXX XXXX XXXX XXXX account number the bureaus are reporting XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.
I had a collection account for XXXX fall off my credit report in XXXX 2015, as of XXXX XXXX 2015 XXXX XXXX. XXXX put it back on my credit report as a new collection and date, My score when dropped went up, now it is back down with only this collection ruining my credit.. 
Thank You
Trans Union did not verify the XXXX XXXX account # XXXX on my credit report, after I sent them four certified letters.
Opened account with XXXX in XXXX. Closed account in XXXX. In XXXX XXXX I receive a call stating I owe money. I have tried to show that I did not make the purchase. I was told different information every time I spoke to the debt collection company. What I have learned is that a computer was purchased in XXXX with a change of address. I live in XXXX and have for over 30 years. The product was sent to XXXX. I am just hearing about this in XXXX XXXX! I have tried to explain that I have never lived in XXXX. I have even spoken with XXXX. After XXXX transfers I find out that the email and password to what was suppose to be a closed account was changed. That is how the purchase was made. I am trying to clear this debt without paying for something I did not purchase. I purchase all of my computer equipment through XXXX XXXX. XXXX says the account is now closed. However the debt collector is still sending me invoices of payment due. What do I do? I see no reason to pay for something I did not purchase. I am trying to cooperate. XXXX said they could not send me any invoice or statement of the purchase. I did receive a statement from the debt collector for XXXX XXXX. It has a XXXX XXXX XXXX address.
There are several inquires that have hot my credit file which I did not authorized nor apply for credit Chase CC inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have a Chase credit card but did not apply for an additional account. Please look into this matter ASAP
On XX/XX/2016 I Disputed a request with Montgomery wards Store acct # XXXX that they placed on my credit file no response then request XX/XX/2016 no response I recent another dispute on XX/XX/2016 that they would remove this account from my credit file and yet still have n't heard anything from them so I 'm asking to remove this claim from my credit file.