WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making car payments on a XXXX XXXX for close to 2 1/2 years at the amount of {$530.00} per month. 
I actually have had a hardship with my bank and XXXX said I was short one payment while I still was making auto payments from my XXXX XXXX ACCOUNT. I had been making payments on prior car loans faithfully for ten years through XXXX XXXX AUTOPAY. When XXXX XXXX claimed that I didnt make a payment I still had AUTOPAY. XXXX XXXX didnt own up to anything. Money had been taken from my account but it didnt show a payment made. The bank is in error but refuses to acknowledge when I try to talk with them. I made 3 attempts talking with XXXX Staff. Twice in person and once on the phone. XXXX XXXX took about {$470.00} of my checking account money in XX/XX/XXXXto o pay to pay XXXX XXXX Credit Card Services because the bank aloud the CC to run over its limit instead of declining charges made over the credit limit. I also pay {$150.00} per month on the {$3500.00} credit limit card for many years. So I receive a Federal SSI Check. Soon as that was submitted on XX/XX/2017 XXXX XXXX scooped up the money and I hadnt authorized that. I then had to stop autopay on my car loan. I didnt have enough money left to pay on my car. I had to wait until XX/XX/2017 to make a partial payment on my car of {$410.00}. I had to get XXXX XXXX to give my money back to the checking but they refused. I couldnt make XXXX Payment, XXXX, XXXX, XXXX, and I would have payed towards it at the end of XXXX but they illegally came and repossessed my car last week. The XXXX, Ca. Police Department told me the car was not up for repossession the night it was taken. Now I have no car. The XXXX XXXX XXXX me up for close to {$1000.00} that I couldve paid on my car. 
My money I receive from the Federal Government is for a XXXX that I have. I am filing soon for veterans benefits. I feel taken advantage of and I need my car for doctors appointments etc. 
I am in dire need of help. 10 years + of making car payments and never missed or late ... Please help me get my car back or something else to drive ... Thank you!
I had a credit card account with Bank of America until XXXX 2015 when i called to close out my account. I specifically asked for a payoff quote on the phone and repeated out loud that I wanted the payoff amount that would zero out my account and that I did not want any more bills. I was in the process of moving out of the country for a few months and I wanted to make sure that I didnt have any outstanding debt. The representative gave me an amount. I paid that amount, and bank of america is still charging me for a remaining balance. I find the bank 's handling of my account to be deceptive as they led me to believe that the payment that I made would fully pay off my credit card. I do not believe I should have to pay. Further, if any negative information has been reported as part of this to be removed from my credit reports.
I am applying for a home loan and was informed that there is a collection item on my report. Its is on Equifax. It shows I have a collection item through XXXX XXXX in the amount of XXXX. I have no idea who or what this is. I tried to dispute this through Equifaxs wed site but was giving a screen that stated that " You have no negative account on file '' and was not allowed to go any further. I called every number I could find for Equifax but was unable to speak to anyone just got info regarding the security preach. I then contacted XXXX XXXX. I spoke with XXXX XXXX and then XXXX XXXX.After spending over an hour on the phone with them.Neither one could find an account with my name, address, phone number or last 4 of my ssn. They did on more than one occasion asked me if I knew a XXXX XXXX. Which I do not. This is the only bad mark on my credit bureau and is stopping me from getting a HUD-184 loan. I do not know what to do next and hope you can help. Name XXXX XXXX XXXX, XXXX Acct # XXXX. SSn. XXXX. Address XXXX XXXX XXXX XXXX. XXXX, OK XXXX The account shows it was reported onXX/XX/XXXX, Opened onXX/XX/XXXX, last activeXX/XX/XXXX and reviewed for 6 months.
I am going through a divorce. I was awarded the home and need to re-fi. I inquired with my banker, Ba nk of America, w here I am a preferred rewards customer with all of my savings invested there. The issue involves their refusal to refund the appraisal fee of {$540.00}.      X/XX/17    : I locked i n a 30 y r. re-fi rate at 4 %. Began the application process.      XXXX  : BOA charged my credit card {$540.00} for upcoming appraisal.      XXXX  : BOA contacted me, asking about timeline on divorce separation agreement. I confirmed that I was giving my wife five months to find a new place, and I would temporarily vacate and live with friends.      XXXX  : Appraiser came in the morning. In the afternoon, BOA emailed and said they could no longer offer me the 4 % rate because of my timeline. They said I need to be in the premises 30 days after closing. They said they could still do the loan, but at 4.5 %. I said NO THANK YOU and PLEASE REFUND MY APPRAISAL FEE ( {$540.00} ) since BOA knew about my divorce timeline THE DAY BEFORE THE APPRAISER CAME.     I have escalated to no avail.
XXXX XXXX XXXX says I owe them {$140.00} as of the status date of XX/XX/XXXX I have NO idea about this debt whatsoever, and moreover, I dispute it. When I tried to contact the company, I was told they could n't find my information. 

Also, Portfolio Recovery Assoc says I owe them {$490.00}, as of the status date ofXX/XX/XXXX. I have once again, received NO information regarding this debt, and have not been able to have anyone contact me on the phone when I tried to call this company twice. They told me someone would return my call. No one has.
My wife had a medical procedure XXXX years ago. They submitted the bill to XXXX XXXX using my wife 's old account. Months ago I spoke with Continental Credit Control and to XXXX XXXX who said they found the medical bill and would put it through for payment. I thought end of story. But yesterday we received a statement dated XXXX/XXXX/16 from Continental Credit Control showing {$410.00} due, including 10 % interest. We spoke with Continental Credit Control this morning and the first thing they insisted that we make payment over the phone and then they would take it off of the credit report. Only after back and forth conversation did he recheck and tell us that they RECEIVED payment back in XXXX! A statement sent in XXXX for a payment made in XXXX? Well, a month ago we were DENIED a credit card because of bad credit! To add insult to injury, Continental had the gall to tell us we still owed the interest due!
My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XX/XX/XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XX/XX/XXXX and XX/XX/XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed.

I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.
STANISLAUS CREDIT CONTROL {$0.00} {$420.00} XX/XX/XXXX, This company keeps posting and deleting debt. Please delete and replenish score.
My morgage has been in forebearance since hurrican Irma hit FL back in XX/XX/XXXX/XX/XX/XXXX. My insurance company setteled my claim but the money is being held by Quicken Loans out of XXXX, MI. Repairs have been complete for over two weeks and Quicken can not get their outside vendor ( inpector ) to call me and schedule an inspection to verify repairs have been made -- -so that the balance of the money can be transfered to me. My house is up for sale b/c I am XXXX XXXX and need to move to WA state for my next XXXX assignment.
This is an overpayment from VA which I have tried to stop on several occasions. This is not a loan. This should not be on my credit report as closed. I am currently paying XXXX XXXX month on. It's on my Transunion report. Thank you.
In XXXX and XXXX of 2017 I had XXXX XXXX XXXX, and soon after that XXXX minor treatments, at the XXXX Georgia XXXX XXXX in XXXX. The total bill was close to {$12000.00}. I was given a verbal agreement of a 24 month interest-free promotion with Care Credit ( Synchrony Bank ). After paying the monthly installments for 12 months, I was assessed {$2600.00} in interest for the 16 months because I had not paid the balance off in 12 mos. I had initially been told that the promotion was for 24 mos. interest-free. 

I have made numerous calls to Ga XXXX XXXX, XXXX XXXX and Synchrony Bank with no resolution. Each time I have called the bank, I have spoken with a different representative who has expressed a different company policy. 

I have cashed in an IRA account to pay the balance off to further prevent the 26 % interest rate I am being charged. I would like the interest rate I have been charged for the las 16 months removed and credited to my account. I am a XXXX school teacher and receive a XXXX as income. I find this practice to be an example of predatory lending.
I opened this account in XX/XX/XXXX, when Citibank took over the rewards program for Best Buy. I experienced some financial distress in the 3rd quarter of XX/XX/XXXX and enrolled in a debt settlement program in which I actively negotiated debt settlement with 3 credit card companies ( but intentionally NOT this credit card - I liked the lower limits and the terms, and was easily able to pay off the card in full each month ). While in the process of implementing the program, I was advised to stop making payments to the credit cards I was trying to enroll in the program, and as such my credit took a hit. I have since resolved the situation and am working on repairing my credit. I actively paid off one of the 3 accounts I  was attempting to settle, and am current with all of my other payments. All throughout this process, I have never fallen delinquent on my payments for the Citibank card, and have paid the balance in full each month. 

I was very taken by surprise for them to decide to not renew my account this month. I was dependent upon this card as a part of my budget. Further - I was not given any advance notice of them deciding to close my account. When I went to pay my bill, I logged in and found that they sent me an electronic letter explaining that they reviewed my account and decided not to renew due to my credit score being what it was. And now, because my debt to credit ratio will be affected by them closing the account, it will further set me back with my credit repair process and will lower my credit score even more. 

I am unbelievably disappointed with Citibank, and would advise people to avoid opening accounts with them.
Chase willfully misrepresented the amount of alleged debt, then sold to debt collector, writing off a highly inflated amount, while continuing to report inaccurate information and updating to appear recent. This account was disputed from the start, as fraudulent.To date, this account is being illegally re-aged and inaccurately reported. Although I 'd disputed the legitimacy of this charged-off and sold account ( XX/XX/XXXX-XX/XX/XXXX ), I paid the account in full to the purchaser of the debt years ago. I 'd disputed the Chase Card reporting XX/XX/XXXX, and they began to knowingly " update '' the account to the CRA 's with an illegally re-aged status, making the account appear far more recent, damaging our credit further. In XX/XX/XXXX, Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed with a XXXX balance, and was no longer using. At the time of the threatened judgement, we were in the midst of a refinance, and I XXXX and agreed to a payment plan, paying at least three times the original alleged amount owed ( {$2000.00} ), because Chase took the past due amount from an amount initially reported to XXXX as {$600.00}, and " adjusted '' to their fraudulently claimed charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX
Navient has placed my student loans under forbearance without my permission. I had been making payments. I actually should not have had to make payments on them because I was in school but Navient seemed unable or unwilling to put my loans under in school deferment regardless of my full time student status. I decided it was easier to just make payments on my loans while in school than try to navigate what feels like an intentionally unhelpful company system. I just logged in today to try and make one of those monthly payments and discovered this new change. I would like to say that I have noticed this before but thought that perhaps I was just misreading the information. Over the past year I have been paying more attention to their actions regarding my loans and am very concerned. I have also attempted MANY times to communicate with this company through their recommended message system. Everytime I have used this method I get an automated response that usually has nothing to with what my actual question or query was about. These automated responses usually discuss solutions to problems that are unhelpful and irrelevant to my situation ( s ).
Today, XX/XX/XXXX, I called Ocwen Mortgage where we have a HELOC to understand why they reported we missed a payment. We have automatic withdrawal set up with Ocwen so tno payment would be late or missed. The automated service stated my last payment was received on XX/XX/XXXX and the next payment was due on " XX/XX/XXXX '' which did not make sense if the payment was taken. According to Ocwen all payments are automatically withdrawn on the XXXX of each month. This was also noted as the withdrawal date in our account. I spoke with the representative, # XXXX, who stated that my XX/XX/XXXX payment of {$380.00}, was not taken due to insufficient funds. Then told me I was behind on my XX/XX/XXXX payment which I didn't understand because the automated service noted they withdrew an automated payment on XX/XX/XXXX. While speaking with the representative I pulled up my bank account which clearly showed there was no activity on my account on XX/XX/XXXX and my balance was over {$850.00} on XX/XX/XXXX and over {$3000.00} on XX/XX/XXXX. Ocwen never attempted the payment on XX/XX/XXXX as agreed then stated it was my banks fault. I called the bank who stated Ocwen never made an attempt according to their records and on XX/XX/XXXX I had over {$850.00} in my account which was more than enough to cover the {$380.00}. Today is XX/XX/XXXX and my payment should come out today, as of this moment they still have not taken that money out of my account. They note in my account record the " payment due date '' and " payment received date '' as the XXXX of each month. This is not true. When looking into the issue of the XX/XX/XXXX payment, their record shows in my account it was received on XX/XX/XXXX and they did a " payment reversal '' for the {$380.00} on XX/XX/XXXX. This makes no sense. My credit score went down 100 points! Please help. I can send the account information, bank statement, etc.
I received a debt letter dated XXXX XXXX 2016 for a hospital debt of {$660.00}. I asked for the details and was sent the details on XXXX XXXX, which had my name BUT no other details matched. SO I am totally perplexed as to XXXX debt collection works. Was this debt collection notice sent to me just because the name matched? No one bothered to check anything else
This is in regards to XXXX XXXX XXXX reporting on my credit files. XXXX  is reporting inaccuracies on my files. This account is closed and have been closed for over 2 years, yet XXXX is reporting this account as open. Also this is a charge off and in the payment status XXXX is reporting it as Charge off/Collection. According to the Fair Credit Reporting Act this is only supposed to be reported as a charge off and not as a charge off/collection. Another issue is that the amount that is being reported is incorrect. This account is closed and XXXX recently increase the amount of the charge off which is not accurate and TD can not increase this according to State and Federal Law. Also I want XXXX comments on this account to be removed from my files. According to the Fair Credit Reporting Act I can have any comments on the accounts on my file remove. Therefore I want all TD comments in the Remark Section to be removed Immediately. To this date I still have not received my personal properties from XXXX XXXX, and also XXXX has sent me a letter stating that they were going to reduce the amount by {$400.00} after I filed a complaint through Better Business Bureau. So how is it that XXXX  make this promise and never fulfil their promise. This is another act of deceptive practice by XXXX XXXX. I have to pay over {$1000.00} to replace my belongs that XXXX XXXX, and whoever acted on behalf of XXXX fail to give me back. Now I contact Transunion so that they can investigate this account, and they are telling me they cant investigate it. Now according to the fair credit reporting Act Credit bureaus are supposed to investigate any information a consumer challenge on their credit files. Now I want XXXX to fix their errors on my credit Files, and Transunion to fully investigate not partially, but in whole.
A computer glitch that was TransUnion 's problem caused all of my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I made several calls to transunion with my latest round of calls on XXXX XXXX, 2017. I spoke to several agents, one who even refused to provide me his name, and tried to explain that these inquiries add a hardship and that my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me.
Experian has a Dismissed Bankruptcy on my credit report, which is a violation of XXXX XXXX XXXX : XXXX ( a ) ( XXXX ). This needs to be removed. FCRA only allows the reporting of Bankruptcies from the date of entry of the order for relief or date of adjudication. There is no provision for reporting of dismissed bankruptcies. Case : # XXXX
For 10+ years now, the ex-wife, XXXX , has refused to remove my name from the joint-loan home mortgage, which is located at XXXX XXXX, XXXX XXXX TX XXXX. 
The ex-wife 's social security number on the divorce decree states it is : XXXX 
At current, and through public info online, I believe the ex-wife resides somewhere in Texas, specifically not at the above named address, and a cell phone number that has her actual voice recorded on voice mail is XXXX. It is unknown if she actually uses or maintains that phone number. 
Throughout the 10+ years at the above named address, I have discovered several re-modifications have been performed on the joint-loan mortgage without any attempts to contact me. 
Wells Fargo deliberately proceeds to do so, continuously without my knowledge, my approval, or my required signatures. " Discovered '' is the term used, because upon attempting to contact the ex-wife about the joint-loan dealings and when I actually had her contact info, the only intelligible communication was a " XXXX you! '' or, " you should 've dealt with it during the divorce. '' Again, I have also discovered through credit checks online, that the joint-loan home mortgage is regularly not paid on time, or at all, consecutively between 1 and 13 months. I honestly ca n't say how foreclosure has not taken place already! 
I have requested info from Wells Fargo via Lawyer, Mail, or by Telephone numerous times. And my responses range from " none of your business, '' to all further request regarding the home mortgage will be ignored. '' I believe some seriously shady, and quite illegal dealings are going on between Wells Fargo. 
I had to " jump through hoops '' to receive a faxed copy of the Mortgage Loan re-modification from a local Wells Fargo Bank from Wells Fargo Mortgage. Even still, one of the Lawyers stated he could not find adequate records regarding the re-modification. Implying that it seemed fake. 
In addition to the recent Wells Fargo trouble we have seen/read in the media, regarding creating accounts without peoples knowledge, as best as I can elaborate on, I believe this coincides with a very, very similar illegal dealings and account mismanagement.
I have two hard inquiries hitting my credit report that I di not authorize. 

1st XXXX XXXX, PA XXXX ( XXXX ) XXXX 2nd XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
This is to inform you that over XXXX customers who have come to XXXX XXXX XXXX in XXXX in the past year or so and ate or had a drink are being charged XXXX from their accounts on a single day. The fraud in this restaurant is massive. I personally was charged over {$2000.00} in XXXX XXXX and on XXXX XXXX, I was charged again another {$1200.00}. This happening to lots of people. The management is saying XXXX XXXX, XXXX. a credit company is doing this. My bank is saying XXXX XXXX XXXX is doing it. I have filed a police report with XXXX Police Department. We need your intervention. 
Please help stop this menace.
I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a Citizens Bank account of any kind. Citizens Bank is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. Citizens Bank does not have my consent to report any of my private information with any person or any company. Citizens Bank may only communicate with me in writing..