WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/18 or XX/XX/18 Called company advised that car has been in a flood. Gave company claim number info. Stated will most likely be a total loss due to the water level it was over the vehicle. 
XX/XX/18 PAC called after the vehicle was deemed total loss in regards to past due payment. Told them they are receiving payment in full from the insurance company and that vehicle is a total loss. Rep had little concern over the vehicle ( Asset ) being a total loss and was more interested in securing a single payment to bring account current. I had already given claim info with insurance info. Informed them it was a total loss at this point and insurance would be making a payment. Told me I still need to make a payment. Told them no, rep replied will see and hung up. 
XX/XX/18 Called company to give updated info was referred to claims department with contact info. 
Hours later I received a collection text message stating to avoid additional procedures such a collection then I need to pay by XX/XX/XXXX. The date is XX/XX/XXXX so this is clearly over eleven months away. 
Called company back to speak to claims department to give additional info in regards to the insurance claim on the vehicle. The receptionist transfered me to collections instead, Collections asked how can I help you. I stated is this claims they stated no. Stated they were busy. Proceeded to tell me to make a payment. Advised rep again vehicle is a total loss and they will be receiving insurance payment soon. Rep was not interested in receiving information in regards to Vehicle ( asset ) or info in regards to an insurance payment to the loan. Rep was  hyper-focused on a monthly payment for the asset. Told rep I was done talking to him since conversation was repetitive and non productive. 
Company has been harassing in regard to a vehicle that is already deemed a total loss. intentional lack of communication between collections and claims department at company.
I attended a XXXX school called XXXX XXXX XXXX. I finished in XXXX of XXXX and the school closed it 's doors and revoked any availability of support promised at the time I signed my school contract. They took 3 months to find my externship and I did n't perform any of my skills from school at the externship. I was n't hireable. After spending {$10000.00} and earning a XXXX G.P.A. I could n't pass the XXXX skills test the same month I graduated. I have applied to ACS 's program to eradicate XXXX Colleges student debt, but was refused since I finished the program despite clear language in Section 6 " Terms and Conditions for Loan Discharge Based on School Closure '' of the application that states if withdrawl was XXXX after closure exceptional circumstances related to the closing of the school closing could justify and extension of the 120 day period that include but are not limited to : loss of accreditation, discontinuation of the majority of the schools programs, action by the state to revoke the closed school 's license to operate, or a finding by the government that the closed school violated State or Federal law. My experience at this school falls under all of these included but not limited to examples in the application. They closed due to a law suit that caused them to have their permissions to teach revoked until they re-organized as XXXX. I provided supporting documentation from reputable sites like XXXX and XXXX of the school closures associated with XXXX XXXX XXXX. They state XXXX became XXXX in XXXX. I attended XXXX XXXX XXXX which became XXXX in XXXX of XXXX. I don no know when they actually closed their doors, that is up for speculation. They avoid and do not acknowledge that fact they are denying my request based on institutions that have NOTHING to do with myself or my Federal loans. I was told by XXXX how to complete the application due to my situation. Please see the XXXX page attachment.
When I received the first call I said not to call me at work. Then I continued to receive calls that would advise it is the Hudson valley and to push a button on the phone to connect with an operator. After I started to write down each time I received a call at my place of employment. It has been 6 months and they 're still doing the same.
I started making payments through the online website XXXX for a debt that was owed. When I made the payments to them they provided a collection company Astra my credit card information and the company withdraw XXXX from my account without my permission. I spoke with both companies about the unauthorized charge, and they state there is nothing that can be done after money was taken fraudulently. I never setup an agreement with Astra or spoken with them about the case. The funds should be placed back into my account, because Astra received information that should not have been provided to them to collect a debt. XXXX states on every call they no longer have the case, and everything was done by their 3rd party company. If this was done to me I know it 's being done to others trying to repay debts that are owed.
I need of copy of all the records stating i owe this loan. I had intended to go to XXXX University the annex in XXXX, Alabama in 2009. My father who is an addict lost his mind I lost my home and my vehicle and could not attend the school. Now i am receiving phone calls and letters saying I owe XXXX for an education i never attended. Please help the amounts are listed twice two payments for XX/XX/09 and XX/XX/2009 as double charged amounts
I opened a checking account with HSBC under their {$200.00} welcome deposit promotion. I have met all of the requirements to receive the {$200.00} as of XX/XX/2018. I have a written chat with a customer service representative from XX/XX/2018 with a " XXXX '' who agreed I should have received this {$200.00} deposit already and he/she instructed me to call customer service which I did. I called and had a " ticket '' opened in XX/XX/2018 and was promised I would get a call back with a resolution. It is now XX/XX/2018. I have been on hold for 30 minutes and counting with XXXX at EXT XXXX as I have called 2-3 times per week and been promised call backs every time as the only person who can resolve this is the person that opened the ticket. I was promised a call back by Monday which never came last Thurs. XX/XX/2018 by a woman at EXT XXXX. This is completely unacceptable. Every time I call, I am only told that I will get a call back, which I never get. Then the person is never working and they are the only ones that may resolve my issue. I want to cancel my account, but I am entitled to the {$200.00} welcome deposit as advertised.
I took my ex-girlfriend 's XXXX son to XXXX XXXX XXXX, with the agreement that the mom would pay any fees incurred. The doctor 's office 's posted financial policy, that I agreed to, states only the custodial parent will be held responsible for any unpaid balances. In addition, the State of Georgia has a Parental Responsiblity Act reflecting a law which states only the custodial parent can be held responsible. XXXX XXXX XXXX says, since I filled out the medical forms, it is assumed that I am the parent, therefore have joint responsibility. Georgia laws and the merchants financial policy state otherwise. I have disputed this debt numerous times with XXXX and all they do is verify whether or not the doctor 's visit took place. That is not what I am disputing. I am disputing the legality of being held responsible for the unpaid debt and having it posted to my credit report by PDQ Services XXXX Inc. When I provided parental records, legal documents, financial policy, and copies of the laws to the credit reporting agency, creditor, and collection agency ; they refused to honor the documents. I have provided more than enough information to be exonerated from any financial responsibility and have had no solution from any party. XXXX will not honor the information I provided and referred me to get help from Bureau Consumer Financial Protection.
After two years of being a good paying Capital One Bank Credit Card customer, I had an income decrease as of XX/XX/XXXX due to having to pay for health insurance. I am a single woman in the state of New Jersey, employed full time, technically poverty level income. 

I contacted Capital One in XX/XX/XXXX to inform them of my income decrease, and to request help on one of two credit cards I have open with them, one with a limit of {$1900.00} with an interest rate of 21.49 %. 

I requested deferred payment and was denied. 
I requested lower interest rates and was denied. 

After falling 5 months behind, I was able to catch up with a gift given to me on XX/XX/XXXX,  because emails from Capital One said they would be willing to work with me. 

I called and paid on XX/XX/XXXX and requested a lower interest rate. I was told maybe in the future. 

Please help me find a way to get these interest rates lowered. 

Thank you.
I got notice that a collections was placed on my XXXX credit report by IC Systems. Upon review, I found out that it 's the same account and amount that I had previously requested to be removed from my credit report. It appears that IC Systems has re-reported the same debt after they 've confirmed that it will be removed from my credit report. 

Attached are my XXXX credit report dated XXXX XXXX which shows entry of collections account from IC Systems, XXXX/XXXX/XXXX letter to IC Systems asking them to validate the debt, XXXX/XXXX/XXXX letter from IC Systems stating they will remove the account from my credit report, recent XXXX credit report dated XXXX XXXX showing that IC Systems has reported the same debt for collections. I have sent a dispute to TransUnion for this account. This debt arose from identity theft when my purse was stolen in XXXX XXXX ( in support of this, attached is the police report ).
I have been writing letters to this company for more  than two years. I 've made several request for this company to investigate, re-investigate, requested copies of th eir INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho  ugh TWO YEARS has already passed.
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Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files docu  ments. Nothing at all.
Over the course of the loans I had taken out I was steered in the direction of forbearance options many times and only offered help in reducing payments one time as XXXX XXXX. Then as Navient took over that option was taken away. After taking out $ XXXX in loans I will be paying back $ XXXX to satisfy the loans on the current plan. I pay more for my student debt than the mortgage on my $ XXXX house!!!
A complaint was previously filed against Transunion and the complaint number asigned was XXXX on XX/XX/XXXX Transunion responded to the complaint. Attached is the copy of the response under loaded documents. 

More than 30 days have passed and they did not respond to me as they mentioned. I checked my transunion report online and I still see the two accounts in question still reported. Transunion. 

My question is, if Transunion is reporting two accounts, under those accounts, they provide and address so That I as a consumer can write directly to the companies reporting incorrect information. And the Unites States Postal Service keeps returning to me the letters sent to the companies with a label affixed to the envelope that says " Undeliverable as addressed or Unable to forward. And I send a copy of that envelope to Transunion, and they keep giving me the same response, that they will investigate, yet when they investigate, they reply, " Account verified ''. Is it not Transunion 's obligation to either provide me with a correct address for the company they keep verifying or with all the proof I keep sending them that the letters are being returned, the right way to fix this is to delete those two accounts that obviously I am not able to get a hold of by mail.
I called to do a product change from the Venture Card with a {$95.00} annual fee to the VentureOne card with {$0.00} annual fee on XX/XX/2019. I was previously advised that the {$95.00} annual fee would be void as long as the product change happened within 30 days of the renewal. However, after speaking with multiple customer service representatives and managers they said the fee would remain even though they already product changed my card to one with {$0.00} annual fee the day after the fee went on my account. I need a fully refund of the {$95.00} fee.
Creditors Specialty Svc of NV inc informed me that a car I owned was towed after I sold it, I told them I had sold it and they asked for proof so I called DMV and the representative told me that the towing company contacted the DMV to see who the past owners were and they also told me this type of thing happens all the time that they try to collect from any one who use to own the vehicle, they sent me documents that show that I indeed completed the release of liability. I called the collection company and told them the name of the person we sold the vehicle to but we still are receiving threats from the collection company and its been over 3 years since I received the first collection notice.
OCWEN MORTGAGE SERVICING IS HOLDING PAYMENT OF THE POLICY LIMITS FOR UNDISPUTED DAMAGES TO OUR PROPERTY DUE TO FIRESINCE XXXX XXXX, 2014. WE HAVE CONTACTED THEM IN WRITING XXXX TIMES SINCE XXXX SUPPLYING UPDATES ON THE REBUILD AND PROOF OF PAYMENT. THERE HAS BEEN NO RESPONSE OR REQUESTS FROM OCWEN REGARDING OUR COMMUNICATION NOR HAVE WE RECEIVED OUR CLAIM CHECK.
Our mortgage company, Ditech has been sending letters stating that we are behind on our mortgage since XXXX XXXX and has sent a notice of default when in fact we are not behind on any payments. We have spoken with customer service and they verbally acknowledge receiving our payments but will not put in writing what has been stated verbally to us numerous times ( that payment was mis-allocated and pending re-allocation and that they are having problems with their system upgrades. We are in the middle of a refinance with Ditech and are concerned that we will lose our locked rated if the payments they have received are not posted properly to our account in a timely manner. We are also concerned that Ditech will try to foreclose on our home/current loan before correcting their internal problem. We are wondering if this is a predatory lending strategy.
Equifax did NOT properly investigate my complaint, actually they did n't investigate the matter at all. I submitted a complaint against XXXX because they had been inaccurately reporting late payments for a period of 3 years or more. I provided Equifax with all of my bank statements showing that I 'd NEVER missed a payment. Equifax simply asked XXXX if the information they reported was accurate, XXXX responded and Equifax simply did nothing. They did not consider the indisputable evidence I provided. They did absolutely NOTHING! I had to take matters in my own hands and file a complaint against XXXX through the CFPB website and at that point XXXX was able to confirm my complaint was valid and they have now corrected the errors. In the attachments you will see a letter from XXXX confirming I had NEVER missed a payment. Equifax needs to immediately do a recast of my FICO score and update their report. Equifax needs to be held accountable. If they are required to investigate then they need to do an actual investigation which would include considering evidence! I filed a dispute with Equifax TWICE and they still refused to investigate my dispute. Someone needs to educate them on what an investigation is.
I was shocked when I reviewed my credit report and found a late payment on the date below : *XXXX  2015 I am not sure how this happened. I believed that I had made my payment to you when I received my  statement. My only thought is that my monthly statement did not get to me.
The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive XXXX notices, XXXX from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer, which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called " welcome letter '' -- should come from the new servicer, which must notify you within 15 days after the effective date of the transfer. 
Moreover, Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer, XXXX XXXX XXXX XXXX, XXXX and just prior to the transfer of Specialized Loan Servicing.
I purchased a vehicle through Credit Acceptance Corp for XXXX with a 25 % interest rate that i have paid over XXXX dollars on and they are stating that i still owe XXXX dollars on the balance and are threatening to repo it. I was out of work for XXXX weeks with a XXXX and collecting XXXX of XXXX per week and still made my monthly payment. XXXX week returned to work to come out of work and find my car gone. they demanded XXXX dollars to get my car back which i payed them. Only to get a call stating i was XXXX behind in my payments and are threatening to repo it again, after just XXXX weeks of paying the XXXX to get it back.
Two finance companies XXXX XXXX and XXXX XXXX keep reporting my account as charged off and unpaid. When I file a complaint then it is changed back to charge off paid in most cases. This has been ongoing since XX/XX/XXXX. 

My dispute dates with Equifax are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
This is to report an apparent illegal foreclosure. The CFPB has received a number of complaints about mortgage servicing issues. I was unable to reply to the loan servicer 's evasive response because it asked for information related to charges on monthly statements the loan servicer refused to ever send through the entire term of the home equity line. How does someone reply to thin air? 

I have received word indirectly that the loan servicer only used that response to sneak through a foreclosure for which I again, was served no legal notice! I have repeatedly sought to resolve this through the loan servicers, always at the risk left hand not knowing what the right hand is doing. 

The people the loan servicers have made no one available to discuss the financing of the property, both the primary home and equity line made and owned by the same lender on the same date by Morgan Stanley. The loans servicer 's customer handlers at call centers have blocked every effort to reach anyone in authority as the servicing company or at Morgan Stanley who could discuss other options relating to a new income source that allows me pay down balances but not all at one time, attaching or factoring inherited assets pending two estate settlements, a possible sale by owner at the property 's fair market value nearing three times the debt on the property, and additional Social Security income I will likely choose to begin receiving in XXXX.
I received a collection on my credit report in the amount of {$1900.00} from XXXX XXXX XXXX. I was informed that it was a debt from XXXX XXXX XXXX, An institute located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in which I attended and XXXX on XXXX/XXXX/2012. I could n't get any documents showing how I owed the money and I could n't see how it would be possible anyway because it was paid 100 % through XXXX or XXXX. My last term I received a {$9000.00} through XXXX but only needed {$3000.00} so {$3000.00} was taken and the other {$6000.00} was declined. My books and all were included, I received my diploma, and my transcript and now I have this Credit Recovery company with incompetent people who can give me any paperwork stating how I owe this, they 're just saying its a debt I have and it needs to be paid.
Receive multiple calls a day won't every discuss number given to call back is never answered, Goes to voice mail but does not leave a message. Every time I call thme there office is closed. I don't owe anybody any debt. I have an XXXX credit score. 

Thanks XXXX XXXX XXXX XXXX
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Santander marked XX/XX/XXXX on my XXXX report. I tried to contact Santander directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact  Santander. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
They continue to call me for a debt collection for my son which is n't even a debt. They said it was for XXXX but he has paid everything he owes to XXXX and has a toll tag that auto debits from his bank account! And actually XXXX said they did n't turn his account over to any debt collector! So I asked them to discontinue calling my house and now they still call but no one talks. Just silence!! It infuriates me because we run to answer the phone for this!!
I recently closed my XXXX XXXX XXXX account, after which XXXX XXXX XXXX requested a credit report without my authorization ( for reasons unknown to me ).
I sold a car, a  XXXX   XXXX , several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around  XXXX  or  XXXX ,  XXXX , in  XXXX ,  XXXX . I sold it in  XXXX ,  XXXX , in  XXXX ,  XXXX . I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in  XXXX ,  XXXX . I respectfully request your assistance in having that  XXXX   Loan  acct taken off my records.