WillisBack/dataset-financial-user-claim huggingface dataset:
I paid XXXX XXXX in settlement on an old account. *****************. We entered a settlement agreement of {$2000.00} which was paid in XXXX installments of {$340.00} and {$1700.00}. The credit burea does not reflect these payments or a zero balance.The account has been paid in full. Repeated requests to update or delete has fallen on deaf ears. All documents/cancelled checks have been forwarded to Equifax.
Via fax number XXXX Attention U.S. Bank XX/XX/2019 Vehicle lease number XXXX To the attention of the repossession department, In a follow-up to my letter of XX/XX/2019 in which I advised the bank of the improper information that was submitted to all the credit agencies in which my truck that is being financed through U.S. Bank has been repossessed which it has preventing me from securing private loan. 
At all times XXXX, the representative from U.S. Bank in extension XXXX had refused to provide a corresponding clearing up that the vehicle was not repossessed and that I have the vehicle in my possession. I also requested a letter that I can take to the bank in order to get my loan that Im current with my payments and she had refused. 
I have contacted over 15 different lending institution and every one of them advised us that the repossession by U.S. Bank that is being reported determined that I will not qualify for the loan due to that negative report. 
I was advised by my lawyer to terminate early the lease as I can not make any payments due to the negative incorrect reporting to the credit bureaus, and have this matter determined by the court of law. 
The vehicle is available for U.S. Bank to be picked up at any time, bank should make arrangements and coordinate a proper time and the place for the transaction to take place. Upon picking up the vehicle I am requesting a document that would verify that the vehicle was turned into the possession of the bank. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX
XX/XX/2018 I had a payment of {$25.00} be returned against my account that was set up on auto-pay. Earlier the prior month I had my wallet with some of my other belongings stolen such as my drivers license, debit cards, phone, and social security card while I was in the process of settling after moving. To protect my assets I had my accounts frozen and had to start fresh. Unfortunately it takes quite some time to prove you are who you say you are without any form of identification so my accounts had remained that way for almost a month. About the end of XX/XX/XXXX I had received the forwarded letter confirming that the payment had been missed and it had come to my attention they didn't have my new card information for the auto-pay. The moment I had received the notice I called CAPITOL ONE and explained to the representative what had happened and she had assured me that this happened quite often and I payed the card off in full for my XX/XX/XXXX payment. Having never missed a payment I hoped that they had been understanding especially with the voice mails that I had from their department trying to help me out and willing to work with me... about a week later I checked my credit report and i took a 150 point hit to my credit score due to this interaction. I have since called and even sent a letter of good will trying to explain the situation, but after they had received the total card balance of {$190.00} their willingness to work with me had seemed to vanish. The only reply I could get was a generic generated letter with no human emotion. I had completely given up on trying to appeal it until a friend of mine pointed me this route
On XXXX XXXX Chase allowed someone to go online an use a known fraudulent email and telephone number to change my [ XXXX XXXX XXXX ] password and enter my checking account at XXXX XXXX XXXX. Chase did not notify me of this change. 
{$12000.00} was taken between XXXX XXXX and XXXX XXXX 2016 all of the payments where sent through a Chase credit card EPAY system and all were in +/- {$2000.00} amounts. 
In a tele meeting with XXXX XXXX XXXX officials in which I was present, Chase admitted that they had allowed someone to open a second unauthorized credit card and connect it to my credit card [ I received no notice of this ]. This is how the thieves funneled the stolen money out of my bank account through my legitimate Chase card to the unauthorized one. 
Now in a letter dated XXXX XXXX, 2016 they deny the privacy breach occurred. By the way XXXX XXXX XXXX has put the money back into my account [ with a hold on it ] based on the tele meeting with Chase officials. 
This is all the money I have. Late fees keep mounting and my life is in turmoil. I am recovering from a XXXX. The stress is hurting my health. 
I beg you please help me.
I was told by the counter teller that I should get a secured credit card through their bank ; Bank of America. The teller told me it was a XXXX Refundable deposit and after making a years worth of on time payments I would receive an unsecured credit card with a XXXX limit. I never received my deposit back or an unsecured credit card. I have made all payments on time and have never been late in over a year. When I asked about why I was told it was at their discretion ( Bank of America ) whom receives a refund of their deposit and an unsecured credit card. I was lied to.
Needed a replacement title for a XXXX Ford Taurus. Did not know had lien from BB & T and paid agreed amount on XXXX/XXXX/XXXX. Was informed 7-10 business days to get title..Went back to BB & t on XX/XX/XXXX and found out out was n't posted until XX/XX/XXXX and would be another 7-10 days. on XX/XX/XXXX inquired again of status an informed title on its way. Went to branch on XX/XX/XXXX and was informed by corporate headquarters it it was just being released today and another 7-10 business day and once whatever that department that is will go to another department and another 7-10 days. Its looking like XX/XX/XXXX now until I receive title and I wonder if that 's true until I go into the branch again. They 'll tell me again XX/XX/XXXX business days. Very frustrating and punishing
I have a loan with CAPITAL ONE. 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  and CAPITAL ONE with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I was notified by XXXX XXXX onXX/XX/XXXXregarding an alleged debt. I have reasons to believe I do not owe this debt becausethis debt was paid in full. Upon talking to the representative, she had asked if I have been served with court papers, which I have not. When the representative advised the debt they are collecting for, EZ Corp, I explained to her that the debt for EZ Corp was paid in full back on XX/XX/XXXX. The representative stated that they do not show it on their end and it has gone to several collections with failed attempts. When I tried to explain to rep that I have a letter, proving debt paid in full, and where I can send the information, she then got very rude and hung up the phone call on me. <P/>I called back on XX/XX/XXXX, and spoke with a different rep, which he did n't provide his name and refused to give it. I asked him for their contact information to send correspondence and he said no need to send since they show the debt paid in full. I asked for a copy of Satisfaction of Judgement, and he proceeded to state, they do not provide that. I asked again for their contact information such as, address, fax number and email address. He only provided the email address, XXXX. When I asked for a third time for their address, he proceeded to say just send any correspondence to the email and hung up the phone call. <P/>I have contacted EZ Corp back in XX/XX/XXXX, when I recieved collection calls from a different collection agency. I filed a complaint regarding collections on a paid debt on XX/XX/XXXX and XX/XX/XXXX. I did receive a letter from both complaints. ( Attachment ) I also tried reaching out to the XXXX XXXX XXXX, who I paid the debt with and their number is disconnected. I also tried doing an internet search on the company, to get contact information but was unsuccessful.
12 month home repair interest free loan. Half way through the loan I took out a 55 month loan from the same wells fargo location for another home project They consolidated the XXXX loans with a single payment for both loans making it impossible to pay off the first loan unless I paid off both loans to get a zero balance. Could not get a payoff on first loan from them, just to total balance. paid 28.8 % interest on the first loan. Now the second loan which was for 55 month with 55 equal payment of {$130.00} per month. Wells fargo now says minimum payment now is {$360.00} per month on a {$6700.00} 55 month loan before they add interest. Spent many hours on the phone without any help from the lender
Equifax has conducted XXXX investigation. every investigation they remove my late payment from XXXX XXXX and bring it back again. i 'm sick and tired of their work. i 'm in the middle of a home loan closing and equifax re inserted the delinquency when it has fixed for 5 months. i pulled my credit report on XXXX XXXX 2015 the late payment was not there. i pull my report today the payment comes back again. i 'm attaching the copy of my credit report that i pulled and a letter from XXXX XXXX that the delinquency has been fixed from their side.
On XX/XX/XXXX I discovered that {$2000.00} was taken out of my account on XX/XX/XXXX. When I called customer service to see what happened they told me that I had written two checks, # XXXX for {$1500.00} and check # XXXX for {$500.00}. I let them know they were fradulent checks. I asked when those original check numbers went through the first time and was told XX/XX/XXXX. I dont know why the bank allowed the same check numbers to go through twice. They advised me to contact bank manager on next business day and told me they would send an email to them about the situation. I went to the manager,  XXXX XXXX with Bank of the West on 9/10/18. She was uncooperative and very unprofessional and kept telling me that BOTW would not take action, it was up to the bank that received the funds to take action. I went in to BOTW again on XX/XX/XXXX. Completed a notarized affidavit about checks as she still would not take action. Was assured by bank manager she would contact me on status of case on XX/XX/XXXX. On XX/XX/XXXX went back to BOTW with a letter from other bank involved that the fraud issue has been resolved and the funds were returned to BOTW. I was told that I still can not have my money because the BOTW claims department rejected the claim for no police report number. Manager never called me to let me know they didnt receive it. Filed a police report with the other party involved on XX/XX/XXXX and emailed it to BOTW manager on XX/XX/XXXX. I have been a BOTW customer for more than 10 years. I was never contacted by BOTW about ths situation, before the funds were released or after the fraud was reported. I am still currently waiting for the funds to be returned to me.
Hi, This complaint is in regards to the company called Coinbase. I have a registered account with them. Basically, I have moved to another country ( XXXX XXXX ) and the only way you can log into your account is by verifying it via a text message. Since I moved, my number has changed too. I have sent them at least 3 to 4 emails saying that I have changed my phone number. The issue is the only way to change your number is you need to go through an ID verification process, which I have tried numerous times to complete. However, my ID is a passport and not a simple photo ID which is all they accept. So finally the only way to change it is to contact Coinbase, which I have done several times as mentioned above. The only response I have received is automated messages and nothing else. Now, recently I was able to locate my American phone number. I have then tried to log in but everytime I try they do not send the verification code. I am 100 % sure that it is the right number as well as I never had a different U.S. number. I have sent them an email about this too but I have yet to hear back.
I contacted Summit Receivables the collection agency that bought my debt from XXXX in early 2017. I informed them that I wished to start working on getting my account squared away. I told them at the current time I could afford {$50.00} a month to which I was told that was fine as long as I made two months of payments around XXXX a month to start to show good faith. I really did n't have that kind of extra month but agreed to just to start the ball. After several months I contacted them to see if I could get a settlement offer. In reply they told me no that I was not going to get a settlement because they were allowing me to make payments to begin with. I told them that I felt that was unfair and wished for them to cancel all payments since they wanted to charge me a fee if I paid monthly vs having them auto draft from my bank. At this point the guy became mad about it and in short terms used threstening words and tone to try and get me to keep paying. I refused until they would give me a good settlement that satisfied both parties. I told them i would have some money for a settlement around XXXX XXXX 2017 if they could come up with a decent settlement around then to call me and maybe we could come to agreement. The guy then told me without an agreement from XXXX to XXXX there was a good chance that they would sue me. I felt very pressured into everything. But still said no to anymore payments. Fast forward to XXXX XXXX I find that Summit has taken {$50.00} from my bank. I call my bank to report it and my bank canceled my debit card and starting a fraud report. They also suggested I call Summit to try and fix it. When I call Summit the first lady talked to me and told me that I had agreed to the charges but said there was an email on my account that said I had cancelled all payments back in XXXX but then I called and told them to resume payments and to change my due date. I had not called them at which point she hangs up on me. I spend the next 2 hours calling them back to only be hung up on or transfered. Finally they get me a manager and he claims I told them to change my due date and keep taking the money out. When I told him I did n't he argued with me. After several times I tell him that they took the money without my approval and he said no I had given it in the beginning so it carries over even after I cancelled the payment because I wo n't tell them my intentions with the account. I told him I wanted my money back for the payment they just took and to cancel the rest of any thing on the account. He said no to my refund and then said the rest are cancelled and then hung up. I did n't get any confirmation or anything. My wife also has an account owned by them and her account is having the same problem right now as well.
I bought this unlocked cell phone XX/XX/XXXX via the Internet on XXXX ( see receipt attached. ) Immediately after receiving it I used my XXXX & XXXX SIM card into the new phone and turned it on. The new unlocked global phone I received from XXXX did not detect cellular network at all. XXXX & XXXX representative could not resolve the issue. I attempted to return the defective product on XX/XX/XXXX via XXXX website. Seller refused to take it back, provide return shipping label or provide return authorization code, or anything like that. I reached out Bank of America to start a dispute on XX/XX/2018. On XX/XX/2018, Bank of America requested additional documentation about this purchase and also confirmation from local repair store that phone is defective. I asked help from phone repair specialists at XXXX XXXX ( located in XXXX, TX. ) and they explained that they can not repair it and provided written and signed statement ( see attached. ) I provided this documentation to Bank of America in a timely manner. Despite providing all evidence that product shipped to me is defective Bank of America refused to approve my claim.
I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.
XXXX XXXX. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with XXXX XXXX. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX XXXX. is practicing UNJUST ENRICHMENT.
On XXXX XXXX, 2016 Nationstar sent me a letter in CFPB case number XXXX stating they needed the following documents : new RMA ; two months proof of income ; quarterly profit and loss ; proof of occupancy. I faxed all of these documents to their modification department at XXXX promptly on XXXX XXXX, 2016 and kept the fax receipt. Nationstar responded in CFPB Case number XXXX that they, " ... uploaded these documents to my review file on XXXX XXXX, 2016 ''. 
Since then they have sent me letters stating they need the same XXXX documents on XXXX XXXX, 2016 and on XXXX XXXX, 2016. In between these letters I received a letter on XXXX XXXX, 2016, stating all that was needed for my modification review was a new Dodd- Frank Form and Proof of rental income. This can be verified in CFPB case number XXXX. I have submitted these documents as well. 
All of this pattern of fraud has happened after Nationstar requested the same document ( profit and loss statement ) five times in a XXXX month period between XX/XX/XXXX and XX/XX/XXXX. I submitted profit and loss statements all 5 times which is noted in case number XXXX. 

Furthermore, Nationstar initially denied trying to foreclose on my property while under review for a modification ( dual tracking ) until I submitted proof of the sale dates to the CFPB and only then did they admitted setting sale dates in CFPB case number XXXX. Nationstar 's continued response for years is that they do not have a complete document package to review despite now admitting they have uploaded the documents they request. This is dual tracking or loan modification fraud.
i wrote to capital one where i have 3 cards in excellent standing and a XXXX credit score XXXX i just get scripts back i should be approved for savor card or get detailed explanation as to why not what info are you basing it on? It must not be correct. please tell me WHAT specifically is preventing you from giving me the card. 
i have XXXX XXXX score XXXX XXXX XXXX XXXX  please tell me why i applied for XXXX card a few weeks ago
I was sent a collection notice from SCA Collections in North Carolina for an amount due to XXXX for pathology in XXXX 2017. The amount is not disputed ( {$200.00} ) however the method at which XXXX conducted themselves should be examined. 

I never received an invoice from XXXX, I thought they were just behind in their billing and expected a bill to arrive soon. What I received was a collection notice threatening to tarnish my credit history. I question the relationship between XXXX and the pipeline of unsuspecting patients like myself who find themselves thrown into the seedy practices of a collection agency. 

Without hesitation, I paid the amount of {$200.00}, it matched what my health provider estimated would be my portion. After paying I now question the tactics used by XXXX in conjunction with SCA Collections. I 've been compromised, my personal information and credit history have now been put at risk. How do I know that SCA is legitimate? No bill or communication was ever received from XXXX that they were sending this to a collection agency. This is foul play.
I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to Experian. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to Experian, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with Experian three times and submitted proof of settlement and payment, but Experian refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to Experian three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that Experian must change the credit report status from " charge off '' to " paid '' or " settlement. ''
For starters, I am concerned about the very high interest rate that I 'm currently paying on my mortgage with Green Tree ( 11 % ). I was told that this is considered a predatory loan and since my loan was not originally taken out with them but was transferred without my knowledge or control, I am eligible for a lower interest rate, refinance or modification. Unfortunately, Green Tree has denied each of the said requests. Whenever documents are submitted they conveniently lose them or say that they never received them. Customer service is horrible with this company! I recently submitted a letter of request to have my escrow account deleted as I will pay my property taxes on my own and to date, they have yet to respond or honor my request. I would like information on how I can get out of this loan and refinace my home for the {$43000.00} plus amount that I currently owe at a much lower interest rate and principal and interest.
PNC bank is back to their old antics of purposely ordering transactions to post in a manner that consumers have to pay multiple overdraft fees a month. I was paid a prior settlement from them for the exact same practice in XX/XX/2014.  They advertise their online banking as easy to use. but do not post transactions in a manner that makes their customers have any idea what their balance is. I have enough money to cover any deduction as I have 2 accounts but I will not be forced to enroll in overdraft protection as that means a hacker can empty all of my accounts. I had this happen to the same account last year.
I have a credit monitoring program and was twice Alerted. I had been very busy and when I took the time to review, I saw two unauthorized hard hit entrys :.

1 ) XX/XX/2018 Transunion for XXXX XXXX and 2 ) XX/XX/2018 XXXX for XXXX XXXX I contacted XXXX XXXX and XXXX advised reports were ordered by XXXX XXXX XXXX and submitted a dispute on my behalf. 

I then called XXXX XXXX XXXX and supervisor XXXX XXXX advised that Section 9 allowed them the authority to order these reports without specific written consent and no further action would be taken. 

I disagree and believe they should remove these entries where ever applicable. 

Thank you, XXXX XXXX