WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX, my wife ( XXXX XXXX ) and I had an auto loan go into default with GM Financial. After the vehicle was auctioned, I still had an unresolved balance owed to GM Financial for the remainder on the finance contract. 

I contacted GM Financial this fall, and learned the matter was being handled by a law firm named XXXX XXXX XXXX. I was able to negotiate a settlement with the attorney for the remaining balance, and I funded this settlement on XXXX XXXX, XXXX. I am attaching a copy of the written settlement arrangement from the attorney, as well as our receipt showing the arrangement was paid as we have agreed. 

Move forward to today, and GM Financial is still reporting to XXXX, XXXX, and XXXX XXXX that we still owe them almost {$7000.00}. We have disputed the account at least three times with the credit bureaus, but GM Financial continues to tell the credit bureaus that we have an outstanding balance. As mentioned before, I am attaching the documentation proving that this matter has been legally resolved for some time now.
Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge onXX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.
My ex-wife by court order is required to pay the debt. The XXXX XXXX XXXX is trying to collect from me. Also, the only person that XXXX XXXX attacks with lawsuits is my and never my ex-wife. I feel that I am being attacked and being harassed by this company. I have expressed to them and provided proof of the court order to XXXX XXXX XXXX. In addition I have asked them to not contact me at my place of employment and they continue to call me at my office.
Back in 2012 I voluntarily surrendered my vehicle. There was a remaining balance on the loan, which then got sent to collections. Since 2012 I have moved twice, and never received anything from the collections agency National Recovery Agency. I called them from from the number that was on my credit report, asking if they could please mail me something to verify my debt and balance that I owed. They said they mailed something back in 2012 and they did not have to send anything again. I told them that I never received anything, and asked again if they could send me something. She said they were not a billing company and since they already sent something in 2012 whether I received it or not - and my address did change- they would not send anything else. She also said that if I made payments on my debt they do not send a receipt or updated statement. How am I supposed to pay on a debt when collections agency practice like this? How am I supposed to pay when I am unsure of the amount, and if they are applying my payments to my account?
I had a joint account with my ex-wife for our son in Suntrust bank. I was the only one who put money in it and it was used whenever he wanted to buy something, regardless whom he was with. The ex did something that caused the joint account to go in the negative ( XXXX and change ). She claimed it was fraud, however, if it was truly fraud she would eventually be reimbursed. She began paying on the amount ( XXXX ), bringing it to XXXX. She stated she was going to leave the bank, which concerned me that the bank was going to take the money from me instead, when I had nothing to do with whatever she was doing. I spoke with the Fraud department and they assured me that they would take the money from her account to make it whole and I had nothing to worry about. The very next day the bank held XXXX dollars from my savings account that was used to pay taxes coming up. I again spoke with Fraud and this time they said they were going to hold my money for a short period of time ( about 2 weeks ). My ex then paid XXXX dollars on it and was told that as long as she pays XXXX a month they would leave everything alone and not take it out of my account. After the 2 week period, they released my money. I began the process of moving to another bank as I was disgusted with their attitude about it and after a day or two, they took XXXX from my account to bring the account to XXXX. I voiced my displeasure as to how the bank essentially assisted my ex in making me pay for her irresponsibility and they told me if I wanted to get the money back I would have to take legal action or get it from he ex.
Quicken loans was working with me in a home loan for over 6 months. People working with me in quicken loans where Mr XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ), and the person of claims. This company should be investigated. They gatter all my paperwork needed, XXXX, birth certificated of my kids, bank account information with statements, we did a VA amendment to purchase contract along with the home owners XXXX XXXX and XXXX XXXX. Pest inspection was done by XXXX XXXX, Appraisal was done by a real state and va aprraiser name XXXX. I was approved by underwriting of quicken loan ( XXXX XXXX ) .Quicken loans ask me for XXXX dollars deposit that it will be included in my va home loan. The office of attorney XXXX XXXX, Tel # XXXX ( XXXX ) attorney of home owners XXXX XXXX and XXXX XXXX local pastors. Attorney office contact me because they have all the paperwork ready given by quicken loans for closing in the home, attorney give me a date for closing for XX/XX/2018 @ XXXX XXXX. The same day of the closing on the home ms XXXX XXXX call me and told me that they run my paperwork through va underwriting and they cancel the loan. I call mr XXXX XXXX after i spoke with XXXX XXXX and he said that everything was ready for closing but there was a change in the money that I have to bring the closing date. I inform what i spoke with ms XXXX and he said that to his understanding everything was good and he will speak to XXXX XXXX. Then I call XXXX and she said there is nothing that she can do. That was an Va underwriting decision, because they see me as a risk. I ask for my money back of XXXX dollars and claims told me ; they can not give me the money because the XXXX dollars exceed the money they spend. I read reviews of the web about quicken loans and some people where ask for the deposit of XXXX dollars and they never received the money back. Please i want my money back, and please investigate quicken loans. They are giving people false information. They need to paid me back the deposit of XXXX dollars and shred all my paperwork along with birth certificates and bank accounts that they have. Scam watch. Sincerely Us XXXX Veteran.
At around XXXX XXXX on XXXX2017 I entered my information on the site equifaxsecurity2017.com to inquire if my information was possibly compromised from the Equifax Hack . I was informed that my information was likely compromised, and encouraged to sign up for their TrustedID credit freeze services. Since then, I 've learned these results are likely randomly generated, and that the TrustedID services is another revenue generating product from Equifax. Additionally, it appears that signing up for the services bars me from participating in any class action lawsuits against Equifax should my information be compromised. This is ridiculous.
I requested a credit line increase, the reason why I did n't get one was, " We are unable to obtain your most recent monthly payment data from the credit reporting agency. '' Very unlikely reason since every time the wind blows, I get a alert about my credit report from them. Plus, it 's no where to be found on their reasons for denials.
I went to a dealership where a friend works to see what vehicles were in my selected price range. I made sure the employee ( my " friend '' ) was aware that I was not ready to purchase, and I DID NOT want my credit to be checked. He assured me that they would not conduct a hard inquiry on my credit and proceeded to speak with his manager.  Shortly after I received a notice on my phone ( from XXXX XXXX app. ) that there was a new hard inquiry on my credit. I IMMEDIATELY informed them of the unauthorized hard inquiry and they provided me with documentation to dispute the inquiry.
their customer service would not help and take care of the negative inquiries reporting to my credit report i do n't recognized.
RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1. XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX Sincerely XXXX XXXX
A loan modification packet was submitted to your office on XX/XX/XXXX. Per your office the only document needed was a quick claim deed. Several calls were made to your office and a divorce decree was never requested by your office. Your office stated on XX/XX/XXXX. That a letter was sent to our office on XX/XX/XXXX. Your office confirmed on XX/XX/XXXX that you erroneously sent the letter to the wrong address. therefore providing no notice to the client that a divorce decree was needed. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
My name is XXXX XXXX, I would like to submit a complaint against the loaner American Education Services. I have submitted an application to discharge my loan due to False Certification ( Ability to Benefit ). I come to find out that the school I got a XXXX was n't legit and did not meet the requirements for Regulation or Accreditation. I took an adult program to obtain a XXXX XXXX XXXX from home. AES mailed a " Notice of Eligibility stating I was ineligible for the loan discharge because further information is required to complete the process. They have requested that I must provide proof that I did not complete XXXX credits or XXXX clock hours of coursework. Unfortunately, this school is now closed to be able to provide my loaner with the information requested. I have filed a complaint with the XXXX and provided AES with proof of law suit court order towards this school and it is not sufficient. I have been given the number to XXXX and have explained my situation and have been given multiple numbers to call to get this resolved and nobody has been able to help me. If the school is closed and is under a law suit because their high school diploma was n't legit, I do not see why this information should n't be enough to determine I did n't have the proper education to have a high school diploma at the time I enrolled at XXXX XXXX for XXXX XXXX program which is the cause of this loan that I am stuck with. everything was a lie and I do n't feel I should be responsible to something that was not valid and or go along with a lie. I was n't aware of all this or else I would have not got into school. I was just trying to make something better in my life to be able to provide for my family. I am now stuck with a loan that I never even benefit from with the XXXX course I wasted my time on. Could you please help provide some kind of documentation for this case?
Today I received a call at my place of employment, the collector that called never once said the call was being recorded or monitored but left a message with one of my employees for me to call back XXXX ext XXXX and to ask for XXXX XXXX. 

I called back the number left, XXXX XXXX XXXX wasn't available. I advised the woman that I spoke to that they are not allowed to make any contact by phone, and that I only wanted correspondence through the mail. The rep told me the only way I could make payment would be by phone. I told the rep I was sure I could go online and pay or send something through the mail. The rep told me at that point she will put my number on hold. Rep advised me they had the wrong address so I was never made aware that they had my account. The rep also stated that they received the account XX/XX/XXXX and asked for payment. If they received the account on the XX/XX/XXXXand knew that I had never received a letter from them because they had a wrong address then that was over shadowing.
Equifax in the previous investigation misinformed or just outight lied in their response, they attempted to play the response as a play on terms, i.e. the credit item of XXXX XXXX finance, and the term XXXX, which is one of their clients, and they knowingly know its the same. In the above stated response, Equifax stated it does n't appear on my report, well it does in the shorter term, the term that is easy to determine is the same company. They wrote it, that it does n't exist, they responded to the CFPB it does n't exist, well it does. Equifax has been playing this game for decades, they only apply verification to beneift those who pay them, in no manner is the consumers word less creditable then the persons who pay them, yet they are allowed to get away with this kind of conspiracy. They stated it does n't exist in any form, I want it removed to include all other items that do n't correspond to my issued name and social security number, period.
Back in 2017, I was the victim of an auto theft in which my wallet was taken. I filed a police report about the matter and continued on with my life after walking away from the incident safe. Early this year I started noticing random accounts appear on my credit that I did not authorize nor did I apply for these fraudulent accounts. Some of my very important personal information was inside of the wallet and I have reason to believe that my social security number may have been compromised.
Capitol One Auto Loan is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.
Fox Collection did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature
Wells Fargo decided to terminate the banking relationship with me. 
At the same time I was charged {$400.00} interest fee for a balance transfer of $ XXXX I never initiated. I called wells fargo XXXX times and each time they transfer me in circle between XXXX departments. Customer support transfers me to the fraud department, the fraud department transfers me to the loss prevention, and loss prevention back to the customer support. I was on the phone a full week and no one knows what they are doing
I was told by Quicken Loans that my flood insurance provided by FEMA was mandated by law to be escrowed into my mortgage payment by Federal law. I live in California and I spoke with a loan supervisor who confirmed this info. This is false I information. I had already paid my entire premium and they declined to refund 6 months of payment. I have been unable to secure the refund.
I am having a problem with my credit score due to the fact that I have old/negative XXXX  XXXX XXXX XXXX closed accounts on my credit report from XX/XX/XXXX - XX/XX/XXXX. I currently have an open account which I 've been paying on time since XX/XX/XXXX. I was told and understand these negative accounts which are closed are really hurting my credit score and I am asking if they can please be removed. If one looks at my payment history, all my payment have been on time and I am trying to rebuild my credit.
My husband forgot to pay XX/XX/XXXXXXXX XXXX Care Credit {$27.00} payment. I did not get an email notifying me, I get a call demanding payment 10 days past the due date and tell them I cant make the missed payment at that moment in time. My husband makes the normal payment on XX/XX/XXXX, but makes it the normal amount {$30.00} ( I didnt know that he did that ) so the XX/XX/XXXXpayment is covered but not XX/XX/XXXXpayment or the late fee.

Again, no email or text notification, just lots of calls from people who are bullies who dont follow the Fair Practices Act and know it.

I begin getting calls from Synchrony and when I answer I am told they are attempting to collect a debt, I tell them we paid, they say it wasnt the full amount so I tell XXXX - he said his name was XXXX we will include the past due of {$30.00} and late fee of {$35.00} onXX/XX/XXXXdue date, that I cant pay it today but it will be before its 30 days past due and Im told they are bank and it doesnt work that way. I tell him hes not working with me, he tells me again they are a bank. I hang up because he wasnt following the Fair Practices Act, being derogatory and mysoginistic in tone at XXXX XXXX on a Saturday. XXXX XXXX Care Credit charges an arm and a leg in interest, and this is the first time Ive ever been late on a payment and they used a bullying misogynistic phone caller who demanded money immediately before the bill is even 30 days past due and refused to hear or accept what i was saying.

If this is what bank deregulation is, I dont want it to ever be deregulated again. I cant snap my fingers and make money appear overnite and they are not working with people who get paid twice monthly nor due they notify by civilized means, aka text or email.
I attended XXXX university from XXXX until XXXX. I returned home due to having a baby after completing my XXXX year of college. ( loans should not have been repayable until XX/XX/XXXX ) I then attend XXXX University from XXXX until XXXX - I submitted paper work for in school deferment while if was attending XXXX and XXXX XXXX. However now it has come to my attention that I did not received the in school deferment. Again loans should not have been may repayable until XXXX. Also I have also made payments, the best I could, as I was getting numerous collections calls during this time and now it has come to my attention Navient is showing my and my co-signers account as be 3-4 months past due. I would like to get credit for the months I was in school along with our credit reports reflecting no late payments are there should have been none due.
XXXX   did not do their due diligence in researching a date of birth, finances or social security number before they opened a deferred credit account with a  XXXX   XXXX   XXXX  child who happens to have many diagnosis,  one of  which is  XXXX . After 3 months we received a past due bill for {$3300.00}. The childs parents had no knowledge of this account. When we called  XXXX  to inquire about this bill they gave me an incorrect dob and ssn which did not belong to any family member, and then they asked to speak to my  XXXX   XXXX   XXXX  son to verify his information, realizing at that point they were dealing with a  XXXX   XXXX   XXXX . I have now been mailed an afadavit which would admit that I was fraudulent which I am not. This account was opened by my  XXXX   XXXX   XXXX  on the computer using his name and a false social security number. My  XXXX   XXXX   XXXX  son has the mentality of an  XXXX   XXXX   XXXX  and did not realize what he was doing. He " thought '' he was buying and selling toy airplanes and did n't realize that money was being added up. We never received any bills until almost 4 months of transactions had taken place. We have packaged up all the merchandise which came from all over the world and would cost over {$1000.00} in shipping to re-sell and mail.
I submitted request to stop ACH transactions from my account on XXXX XXXX, 2015 and XXXX XXXX, 2015 to the customer service departmentdepartment and ACH department of Castle Payday per the directions on the loan application. On XXXX/XXXX/2015 they performed a debit on my account. When I called customer service they stated they did n't receive it first, then they said they received it " today '' ( XXXX/XXXX/15 ) which not adequate time to process. When I explained that I sent multiple correspondence to multiple customer service accounts, they had a " supervisor '' call back to investigate the matter. On XXXX/XXXX/15 they called me to say that they did receive the information, but their department was delayed in processing the request. I advised them that I can not be penalized for their error. They then stated that records indicated that they did have it, after I threatened action against them by filing a complaint with my bank. They stated that they will refund the bank after contacting my bank to review the transaction history, to see if I incurred any overdraft fees, and to see what transactions I had on my account. I submitted them a ledger of my account showing the transaction and advised them they do not have to contact my bank for my personal financial information and they are only obligated to see their transaction summary. They have not reversed the funds. I will be filing an Affidavit with XXXX XXXX. 


Bank info : XXXX XXXX, Virginia
In have a question : My student loan was purchsed by American Education Services recently. They sent me a statement showing XXXX due. I mailed a payment of {$100.00} which should have been applied to the principle, but they applied it to interest. When I called about it, they stated that payments go to interest first. That is fine, when there is a balance due, but there was no balance due when I mailed the payment. Please advise. 
XXXX : XXXX University XXXX XXXX, CA.
I have several inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them.      XXXX    XXXX   XXXX    XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX   XXXX / XXXX / XXXX ,  XXXX ,  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  The company said the inquiries were verified which can not correct as I did not apply at any of the companies.