WillisBack/dataset-financial-user-claim huggingface dataset:
Statement does not reflect proper credits. Previous statement XXXX/XXXX/2015 balance was {$4200.00} it was short paid {$840.00} due because of an error on XXXX part. Received XXXX/XXXX/2015 statement with a balance due of {$9100.00}. The break down of the charges and credits do not total this amount. Statement shows charges {$7800.00}, late fee of {$1200.00} ( which was an error and is being credited ), a credit for - {$840.00}. This actually totals {$8300.00}. XXXX statement contradicts the statement breakdown.
I was never served by this company. They pretended to serve me in order to obtain a default judgment on a debt that was not mine. They are crooked and unethical and have tried attaching bank accounts of mine to try to collect debt that is not mine. Years ago, I retained a lawyer for this matter who obtained an agreement from them to stop illegally pursuing me. 


THE BEST SERVICE COMPANY Inquired on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
I notice a debt collection on my credit report for some kind of medical service and I haven't received any mail from the original creditor, first of all I haven't go to the doctor in over 6 months the account has been opened recently and the service provider is located in a different state since I couldn't find one with that name near me, I call the creditor twice first time no one answered, my second attempt finally spoke with someone about it and I requested a verification letter and name address and state license number but they couldn't provide me with one at the time, there having me call at a later time,
On the XXXX XXXX XXXX 2017 I made a payment of XXXX the coinbase.com REF : COINBASE XXXX XXXX XXXX from my XXXX Credit card. since then My account has been inoperable. Upon login it states 'Sorry, account temporarily disabled. Please contact support. '. 
Contacting support results in no reply, or when a rely is present it says, we are working on your request. I think after nearly two weeks they have had more than enough time to deal with re-enabling an account. 
All I want now is my money refunded, and to never have anything to do with these charlatans again. 
Although I am aware the are supposed to be one of the biggest XXXX exchanges in the US, I feel they do n't have the ability to to use a XXXX  pun organize a XXXXXXXX XXXX in a brewery. 
Apologies for my wording in the previous statement, but these people need to be dealt with, and there license to trade be removed, as they are a liability to anyone, and do n't seem to care either way. 
Yours Sincerely. 
XXXX XXXX.
I called XXXX XXXX to discontinue my service due to relocation of my permanent residency starting XXXX XXXX, 2015, the same day I sign a form from the leasing office this form I signed and my roommate to release me from responsibility of this lease. It was approved and signed by one of the personal in the leasing office. XXXX representative came to pick up all of the equipment they brought in. The box for telecommunications services the provide such as cable box and internet. I called XXXX as soon as I found out they charging me for such amount I spoke to the costumer service and reported this as fraud XXXX I did not sign any agreement to continue this service. I have not found a place u til now I 'm still searching for an apartment and I am currently do n't have a permanent residence.
The Moore Law Group has continued to escalate the amount owed The amount owed at time of filing on XXXX/XXXX/XXXX was {$11000.00} and adding their interest and judgment of {$2200.00} plus {$25.00} for writ fees, the amount came to a total of {$14000.00}. On XXXX/XXXX/XXXX, the Moore Law Group garnished my credit union account for {$1000.00}, leaving only {$25.00}. However, in their writ of execution on XXXX/XXXX/XXXX, they acknowledged that the amount taken from the credit union was {$1000.00} which was incorrect. However, with the interest added in the amount of {$3400.00} increased the total amount owed of {$14000.00}. They ignored the fact that I was not credited the correct amount withheld from my credit union and also ignored the fact that on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, Card member Services sent me two letters informing me that they were crediting me {$6.00} and {$3.00} for a total of {$9.00} which has never been credited to the enormous overpayment that is continually increasing rather than decreasing. At one point, I called to make payment arrangements but was told it had to be a certain amount each month based on how they had it set up but based on my finances, I could not afford the amount they wanted on a monthly basis. Even after they took all the money out of my credit union account, they harassed me by sending information to garnish my check. However, because I am not employed, there was nothing to garnish. I feel the Moore Law Group has violated my rights and have escalated the amount owed to an outlandish amount of {$14000.00}.
Over the years I have disputed that the payment history on my student loans was being reporting inaccurately. There are several months reported as late when they should not have. During the period reporting as late, XX/XX/XXXX-XX/XX/XXXX, I was granted a forbearance which covered the payments and removed my obligation to repay the loans for those months. Despite making an arrangement with XXXX  which removed my obligation to pay, the payments are still reporting as late.If I had no obligation to repay, then there is no way a late payment can be accurate. In XX/XX/XXXX- XX/XX/XXXX they reported my loans the same way despite having an arrangement which removed my obligation to make payments during the time frame. I am unable to dispute this information with creidit bureaus directly online for some reason. These erroneous entries are affecting my ability to obtain necessary financing for essential purchases which contribute to my ability to earn a living. I requested a copy of my approved forbearance requests but only received information for XX/XX/XXXX-XX/XX/XXXX. I will be making a second request for the forbearance transcript from XX/XX/XXXX.
I was pressured to sign up for a credit card and somehow they convinced me how I can enjoy the benefits and privileges of the card while being the XXXX member. My credit card arrived which I've used for a month, and I went out to treat my friends for the holidays. This is how I found out my account was CLOSED without my consent or any type of notifications when they told me the initiated transaction was declined and had to call the customer service line. I couldn't understand why because I have already made the required payments on time and my balance was XXXX. They told me a letter I'm about to receive will have a thorough explanation but the only explanation that was listed was " excessive inquiries. '' I understand I've applied for a few credit cards with the rewards/points program and it could affect my credit score but can't justify the situation where I've been a very good account holder and being treated in such a horrible way. Not only I wasted my time and energy to deal with the problem, nobody wants to take accountability of one of the most negative life experiences I had to go through not to mention the embarrassment and humiliation I had to face in front of my loved ones. I already spoke with a few of the employees at the company including XXXX and XXXX the supervisor, and nobody offered me a reasonable resolution. I feel the explanation offered to me was not a sufficient reason to cancel my credit card especially while I was in good standing customer.
The mortgage servicing company does not mail me Form XXXX ( Mortgage Interest Statement ) as required annually in the last 3 years in order for me to file my tax returns. Every year, I called to get the information and they kept saying they required an authorization from my attorney. The loan is in Chapter XXXX and payments on the loan are being made by the trustee. The attorney 's office sent the required authorization letter for the servicer to provide me with this information. The servicer claimed that they send the information to my attorney, however, the attorney 's office said they did not have the information.
There are 2 credit inquiries on my XXXX credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. I have never applied for a credit card with neither of these companies. I spoke with XXXX and with both credit card companies. The credit card companies told me that there is no information about an application in my name in their systems. I then reached out to XXXX to report fraudulent activity on my credit report and disputed both inquiries. I would like for these two inquiries be investigated and removed from my credit report.
Alpine Credit {$180.00} PAID YEARS AGO THRU  XXXX .       XXXX   XXXX   {$310.00} PAID YEARS AGO THRU  XXXX
Wells Fargo Dealership Services ... ... charged off my account while knowingly waiting for insurance payments from my gap insurance. They refuse to delete the charge off on my credit report. There customer representatives constantly lied to me during the whole process which took 6 mos to rectify. I was the only person making calls in reference to my joint account. This company lacks professionalism ... .and honesty. I have done nothing but communicate with them during this 6 month period. In return, I get a deragotory statement on my credit report as if I was refusing to pay them. I kept in contact with them even though they did not contact me back.
On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX  twice on this XX/XX/2018 and they say they have received no information from Nelnet on my  student loan payment. I called XXXX  but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX and XXXX  again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX  and they show the payments from XXXX for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's  choices, call XXXX  and XXXX  to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
XXXX XXXX Credit Dept. in XXXX, OH canceled my thirty year old account upon my husband 's death without notifying me. Simply stopped accepting my card when I placed an order with no prior notification. When I submitted the information they required to apply for a new card in my name, such as social security card, date of his death etc., they still have not issued a new card. Further, they denied credit card also to my XXXX daughter, XXXX XXXX XXXX who lives in XXXX, Or. and lives on social security and XXXX income from a trust fund.
I have received several phone calls from a debt collector mentioned above. They state that a payday loan was taken out in XX/XX/XXXX and that the balance of this loan has not been paid off and has been sent to them for collection. I have no records of taking out any pay day loans at that time and no documentation of a due or past due loan. The representative informed me that they are trying to collect this debt and that if I do not pay the settlement through them, I be summoned to appear in court and be responsible for the full amount of the debt plus legal fees. I explained to them that since I have no recollection of taking out this payday loan, that I would require documentation specifically stating the exact loan and its current status before moving any further on this matter. I received my XXXX call on XX/XX/XXXX and have not received any documentation to this point. 
This collection agency has also started calling my family
Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports at a time when the bank claimed there was no existing relationship between myself and the bank between XX/XX/XXXX through XX/XX/XXXX and beyond. 

In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, I've had my personal, financial and private information grossly compromised due to such conduct and behavior.
I have an account with Bank of America and am not happy with the way they do business. I 'm a XXXX living on an extremely fixed income. Their policy is to charge {$35.00} every five days for an overdraft. Here are the dates they charged me. 
XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} I want all that money returned to my account.
On XX/XX/XXXX, I started an online chat with XXXX XXXX regarding some confusing messages I'd received about my Perkins student loans. Their website says my account is in forbearance till XX/XX/2018 ; but I received a bill showing a balance due next month. 

When I applied for the forbearance, it was my understanding that interest will continue to accumulate on the account, but you don't have to pay it till the forbearance is done. I spoke to XXXX via chat and she said that my account was actually past due and that I needed to pay. While chatting, I XXXX  the terms of a Perkins Loan forbearance and found three sites [ plus the Perkins Loan forbearance form itself ] which say that while interest will continue to accumulate, you can wait till the forbearance is done before paying it off. 

I confronted XXXX with these facts. She then said that was what she said. I copied and pasted what she ACTUALLY said. She proceeded to apologize, confirmed that I was right, that my account was in good standing, and kept telling me that she was in training. I demanded the name of her supervisor ( XXXX XXXX ) and was told that I could call to make a complaint. I attempted to call XXXX and was on hold for 7 minutes before I gave up and hung up.
On XXXX XXXX, XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time. 

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card  ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a zero down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

XXXX XXXX XXXX
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 ''.
I am making a formal complaint against my mortgage servicer due to the negligent practices in handling my loan. I had a financial hardship about a year ago and fell behind on payments. I called my mortgage servicer numerous times to find out what I could do to help bring the loan current. I was never told about modification options available and I am now facing foreclosure with a pending sale date of XX/XX/18. 

I had one modification done several years back and was completely unaware that I may apply for another one. I believe my mortgage hold intentionally withheld this information until it was too late for me to apply. My property has equity and I am now being told there is nothing I can do to save my home except cure the full past due amount of {$14000.00}. I was never sent any documentation regarding hardship programs. I was not given any helpful information over the phone or offered the time to speak with someone regarding my hardship except to make payments. 

I am now working my regular job and can not afford to loose my home. I am requesting that Ditech Financial stops or postpones the sale date and allow me the opportunity that I was denied to cure my account with a modification.
No specific representatives name and email for Experian. Only through the website. Notarized letters sent via certified mail is the seventh attempt to resolve inaccurate information concerning : Experian Report # XXXX, dated XXXX ; report # XXXX dated XXXX report # XXXX, dated XXXX ; report # XXXX dated XXXX ; report # XXXX dated XXXX
The vehicle was inspected XX/XX/2018 and the tires were approved under New York State standards with only XXXX miles on the vehicle and tires. 

The following month, the vehicle was turned in to the XXXX XXXX XXXX for lease termination with still less than XXXX miles and a new XXXX was leased. Initially the end of lease inspection was cancelled as the vehicle was immaculate at turn in per the salesman. The dealership was going to buy it which eliminates a need for inspection. The dealership then decided not to purchase and the subsequent inspection was completed. The inspector deemed the tires as worn and a scuff on the rim equally {$720.00}. 

I feel that this is inaccurate and I feel the {$720.00} should be removed from my lease end invoice and responsibility. 

I have uploaded the invoice showing NYS inspection was completed without issue except for a bulb which I replaced.
XXXX and GM Financial are is reporting " NR '' -No Rating for the payment history of XX/XX/2018 ( XX/XX/XXXX. ; XX/XX/XXXX. ; and XX/XX/XXXX ). My account was paid in full and on time each of these months. The failure to accurately report my POSITIVE payment history is negatively effecting my credit score.
Unfortunately, I was in a position that I needed to take out a pay day loan. Much to my dismay I took a loan out from a very unethical organization. This company is XXXX XXXX XXXX, It goes and has gone under multiple names, XXXX, and has now changed its name to Big Picture Loans. I took out a {$1400.00} loan with an 647.6971 % APR of and later discovered the " Truth and Lending '' disclosure after the fact. They are under the assumption that they are immune to the guidelines and laws of the Federal Government as they have tribal affiliation. This is simply not true. I literally thought I misread the agreement when they explained after I received the loan of {$1400.00} but the document reads that I received {$1500.00} and if I paid the XXXX payments the total cost would be {$14000.00}. It is unbelievable that a company can get away with literally robbing the consumer. It sheds a bad light on organizations that make themselves available to loan money when you really need it. However when you need money you have to ask yourself ... at what price ... {$1400.00} for {$14000.00}. XXXX. This is a crime and should not be allowed. The hard financial situation is bad enough but that coupled with taking a loan from an organization that is taking more than full advantage of the customer is outrageous and needs to be remedied. In addition they are not licensed in the state of California.
Hi, I called today at noon with a question of deposit a check with my former name. The customer rep asked me 6 questions to authenticate my identity, from which I may missed out one or two. The phone hung up then I called again with a similar process, this time, she asked me more questions with no disclosure the purpose of these process. In the end, I spoke to a supervisor for my unsolved question. I spoke to XXXX and verified my account. Then I discovered my account was locked and could not be resumed. The account technician called me back later in the afternoon with 12 questions, and lastly he said I had a security question, which he could not read clearly. He insisted my account remained locked. This is unbelievable - I have my paycheck and stock trading with this account, over 20K assets in there. THIS IS A SCAM. I am looking for cfpb to step in and resume my lose.
I have signed all Wells Fargo contracts that require my signature with XXXX XXXX XXXX and I have also wrote and signed my AFFIDAVIT that was noteized by an Notary with XXXX XXXX XXXX signing it with my signature, That the charge from XXXX is FRAUD/Fraudulent charge Not In My Name I was giving refunds back from cancelled stays and an {$34.00} dollar food refund and because of this WELLS FARGO said it was for a stay for over {$450.00} the amounts credited back to me was done as different refunds the amount of {$450.00} was done as one charge and the amounts of {$160.00} doesn't equal up to {$450.00} WELLS FARGO BANK trying to extort money from me I don't owe I have told them to show me proof that the charge from XXXX  that shows my name on the charge from XXXX with my name on it and WELLS FARGO has refused to do so staying the charge is mine Show The Proof it SHOWS MY NAME and show where I was refunded back {$450.00} for an Fraudulent charge I have disputed I HAVE RIGHTS AND WELLS FARGO SAID THAT PROTECT YOU FROM FRAUD..
XXXX refuses to re-invistigate legitimate disputes. I keep getting generic responses stating that they have already investigated, but do not provide proof as to what they used to verify the accuracy. I know the disputes I am making are legitimate and not my accounts. They have also refused to re-investigate inquiries that I know are not ones I have made and are hurting my credit score.