WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I took out a title loan on my XXXX XXXX XXXX. I borrowed {$1900.00} from Check City located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was unable to make my payment in XXXX. I contacted Check City and advised them of my circumstance. They assured me everything was okay and to make the payments as soon as I could. On XXXX XXXX, XXXX my account was turned over to their collection department. With a balance owing of over {$2800.00}. They charged me a {$400.00} late fee in XXXX and a {$400.00} late fee in XXXX. I made XXXX payments in XXXX totalling {$500.00}. XXXX payments were made in XXXX totalling over {$800.00}. 
In XXXX there were XXXX payments made each an automatic withdrawal from my bank account in the amount of {$270.00} totaling {$530.00}. By XXXX XXXX XXXX I made a total of {$1800.00} in payments on a loan for {$1900.00}. On XXXX XXXX XXXX Check City reposed my vehicle at XXXX. Stating I owed {$1300.00} plus an additional {$320.00} for repossession fee. It is completely unjustified that Check City was allowed to charge me {$800.00} in fees {$400.00} of which was charged the same month I made a {$500.00} payment. If it were not for these fees my loan would have been paid in full with XXXX last payment of less then {$40.00}. My vehicle should have never been at risk for repossession if it were not for the unregulated tactics of this title loan company.
I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to XXXX XXXX, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from XXXX until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between XXXX and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the XXXX call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to XXXX on the XXXX XXXX while Gap Insurance sent the check on the XXXX. XXXX failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one XXXX rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling XXXX several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because XXXX in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.
Westlake Financial Services continued to report charge off to credit bureaus post bankruptcy. Bankruptcy was filed on XXXX/XXXX/2016. Their action violates the bankruptcy automatic stay. Multiple credit disputes by credit bureaus has not resolved the matter.
I noticed that there was a new account on my my XXXX and XXXX  credit reports for ( XXXX ) XXXX XXXX XXXX  as a charge-off. I contacted XXXX on XX/XX/18 @ XXXX and spoke with XXXX who told me that they sold this debt to Rocky Mountain Capital Management. I informed him that this is not my debt and he stated that XXXX no longer has access to the system that has the original documents for this loan and can not verify anything. This sounds like fraud to me! I informed him that This is not mine and to remove this from m y credit reports and to never contact me again and also informed him that In Oregon you have to have a license to do business such as payday loans which XXXX is classified as and they do not have a license in Oregon. You also have to have a license to collect debt which Rocky Mountain Capital Management is also not licensed. I have attached documents showing these companies have no licenses in Oregon. They are also not found in the XXXX XXXX : XXXX XXXX XXXX
I applied to the XXXX XXXX XXXX credit card and was denied based on information was obtained from Experian credit reporting agency. 
I tried to obtain a copy of my report and was denied, I tried to talk to a live person, but Experian do not have that as an option. 
I have the right to know what information on my report, and Experian has the obligation to give that information. 
If Experian do not have a live person to respond to customer concerns, they should not be in position of being a credit reporting agency. 
it is like getting one side of the story. 
denial letter reference number XXXX, XXXX2015www.experian.compo.XXXX, XXXX, TX XXXX
On XXXX/XXXX/16, my PNC account was overdrawn overnight after my paycheck had suffered a garnishment which I had not expected. 
Punitive Fee ( s ) totaling {$140.00} were charged on XXXX/XXXX/16 for XXXX items which If I had known that middle of the night, I could have gone and covered. 
I had barely enough money to cover my said transactions but due to the punitive fees debited to my account, there was no way for me possible to cover a double hole. 
I called, begged, escalated, called, begged, escalated. Ended up reach a gentleman by the name of XXXX XXXX at PNC highest escalation and he told me they were not going to budge even if I filed a complaint with the Financial Consumer Protection Bureau. 
To protect myself I had to open a new account elsewhere, move my direct deposit. Cancel all my automatic payments and wait a week to be able to do anything. 
Now, they 're charging money daily to the account while it 's in the negative and have threatened to go into my spouse 's accounts to recover, because my name is attached on that account. 
These people are like jackals. Anybody on a fixed income with a hiccup can kiss their stability goodbye. Instead of being there to help, they 're the ones that chop you up. 
Please help us. 
All they have to do is waive the fees so we can fill the hole and go on. 
We 're trapped in a corner with nowhere to go. There are no funds available in our budget for their punitive fees. 
Thank you XXXX XXXX XXXX XXXX Michigan
Dear VELOCITY : Kindly provide validation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXX. Since reporting errors may be in the account history, I hereby request that your company send such validation within a month of receipt of this request. This request is for more than just a review without detail. Rather I have demanded a formal audit. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by VELOCITY to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Should this be the circumstance, please DELETE this account. 
I offer my sincere gratitude for your assisting with this circumstance
This debt appears to be the result of either identity theft or fraud. Consumer has no knowledge of this debt and has attempted to get additional information from the debt collector about it. This matter has also been reported to XXXX.
In 2011 I opened an account with TD so I could use the coin machine to convert our spare change into savings for my son. I deposited around {$60.00} in this account. a period of months I did not add fund to the account and I did n't receive paper statements until I was finally sent a letter from TD saying the account was in overdraft {$30.00} plus some other fees. It turned out they had been taking a {$15.00} fee out of the account over a period of months and I had no idea this was happening. They continued to charge the fees even when the account went into overdraft and I only found out when they sent me a letter. I tired to close the account as soon as I was made aware of it but could n't until I paid what they said I owed them. I spent several days on the phone both with their collections department, customer service and with people in the branch, at least trying to negotiate a way for me to close the account that was fair - e.g I even said I would ask them to refund the money they had taken from me if they just did n't make me pay a fee on top of what they took. All representatives I spoke to refused repeated that it was in the fine print, though I was never actually told this when I opened the account. It seems to me that it is something that customers should be warned about - not something to be in the fine print. None of the reps I spoke to would budge on this, despite how unreasonable it was and all were rude to me about it, despite it being clearly suspect practice on the banks behalf. I did n't want this to damage my credit score so I paid it and closed the account. In the end it turned out they took all of the money I had deposited in the account and I was charged late fees on top of that.
On XX/XX/XXXX, I booked a ticket online for an employee using my miles using XXXX miles on capital one. The persons last name was accidentally spelt XXXX instead of XXXX. The only way to resolve the issue was to rebooking the ticket using my credit card and the supervisor XXXX kept making excuses as to why they couldn't change the name from a XXXX to a XXXX. If I rebooked the ticket, I wouldn't be getting my miles back, which it took over {$15000.00} dollars to get those miles. I called XXXX XXXX and they couldn't do it but needed a waiver form from Capital one which was evident that they did not want to do it. 
I am appalled and saddened about how the situation is handled.
XXXX XXXX XXXX should not be showing up on my file as a serious delinquency. I was not even aware of this until my ex husband told me we owed this money and it was past due. This occurred after our divorce. He was held responsible for the amount as a result of our divorce decree. I do n't believe it is showing up on his file so why should it show up on mine. Please remove. It is unfair that I should be paying for his mistakes. Thanks, XXXX XXXX
I FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX XXXX DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT XXXX, EQUIFAX, AND XXXX A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX..  ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXX THAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO EQUIFAX, XXXX   AND XXXX XXXX I WAS DELINQUENT ON XX/XX/XXXX THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX. SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XX/XX/XXXX.  ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED XXXX XXXX XXXX XXXX ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY XXXX  CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY XXXX CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM XXXX XXXX XXXX XXXX XXXX AND ACCORDING TO XXXX THEY COULD NOT USE THAT FOR MY DISPUTE. XXXX   DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR XXXX XXXX AND EQUIFAX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY EQUIFAX AND MY XXXX XXXX CREDIT REPORT
I received a Notice to Foreclose on court house step for XXXX XXXX, XXXX. The notice is dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX. On XXXX XXXX, I sent a Dispute for the Foreclosure Notice requesting XXXX XXXX XXXX XXXX to identity who they are, such as a holder in due course, a creditor, etc., and who authorized or gave them the authority to foreclosure along with a list of other questions I needed answered. XXXX XXXX XXXX is a XXXX party debt collector and do n't have standing to foreclose. I asked for payoff information as well. On XXXX XXXX, XXXX, I received a copy of the security deed ( stamped original ) and a bad copy of the " Note '' and the accounting that I never asked for. None of the other questions were answered. Under the FDCPA it states foreclosures must be done in a judicial court. They are threating to sell my property on the courthouse steps on XXXX XXXX, XXXX. The lender listed on my paperwork is XXXX. XXXX did an assignment in XXXX to XXXX, but XXXX was bankrupt and no longer in existence in XXXX. How is that possible?
From about XX/XX/XXXX when I notified Discovery Bank that I am calming XXXX on their payment protection plan they have tried to take more money out of my bank then I authorized. I would authorize a {$100.00} payment on each of my card to them, they would try to take from {$100000.00} to {$10000.00}! then would charge my cards with that amount as if it was a transfer to my bank! I would call them they would say " computer error we fix ''! they did not fix the " computer error. They even got {$5000.00} from one of my other credit cards that I did not authorize. Seems that Discover has been sued a number of time for stealing for consumers!
Equifax falsely denies receiving my notice of intent to sue in regards to the attached complaint. 

Equifax is insistent upon wasting administrative and judicial resources instead of a simple admission of receipt. 

Attached is a Fax Delivery Confirmation indicating that Equifax is in receipt of said intent to sue which includes an intent to sue. 

Sending this via regulatory proxy so that Equifax will cause further injury to it 's claim if it falsely continues to insist that said Notice of Intent has been received.
I have XXXX carloans with Capital one auto. At the time I obtained the loans i was financially able to pay event though the payments were extreamly high. XXXX loan is {$600.00} and the other is {$730.00}. I signed a form promising that if my situation changed that i was to conatct the lender. I have made many attempts to try and lower my payments becuase the loans payments are now a financial burden. I was told that because i have poor credit i was not able to refinance and had to stay with the loan terms provided. I called and even offered to return both vehicles because i was not able to pay and i was informed that i could not return the vehicels. The remedy i am seeking is for Capital one to work with me and reducing my payments so that i am able to afford to pay them on time and not be behind. I also would like for them to forgive the late payments in order fro us to be able to start fresh. we need these vehicles to be able to go to work and pay our financial obligations but now its become very difficult and causing us to be behind on other financial obilgations.
my name is XXXX XXXX, for the past 12 month i been asking caliber loan mortgage for a loan modification.an, d a 3month trail period, but what they did put my loan in foreclosure.before review my information, i ask them to produce the note on my loan i belive it to be wrong when XXXX motgage sold them my loan.but caliber when ahead a foreclosure.is there a law that said that the mortgage company have to follow be for they foreclose on you. 
looking to see what answer you will get back from caliber home loan. 
thank you
When I was on a XXXX XXXX, I was on XXXX but not paid for XXXX months. I contacted whichever company was handling my student loan at that time ( I do n't know for sure that it was FirstMark as my student loan is continually sold to other companies ). I let them know that I was on unpaid leave and asked if they had any options to place my account in a deferred payment status or any options for someone that did not have income. At that time, my account was in good standing. The representative stated they did not have any options for someone with no income. She said I either have to pay it or it would go to collections. I asked again, what options they have for people with no income, as my account is in good standing. She said you either pay it or it goes to collections. 
This is negatively affecting my credit and has negatively affected my ability to gain employment. I would like this item removed from my credit report and the balance forgiven for my XXXX experienced from the negative reporting.
I have a My Best Buy Visa Credit Card through Citi who partnered with Best Buy for this promotional credit card offer. I had recently set up an automated payment for the minimum payment due, which on XX/XX/XXXX and and XX/XX/XXXX I was quoted as owing a minimum of {$110.00}. One feature to this credit card is the deferred interest that was unknowingly applied to my automated minimum payment amount due, so I was charged {$630.00}. I was not made aware of this amount due other than a statement notification quoting this amount, received onXX/XX/XXXX, however had received 2 notifications later that month, shortly before my bill due date, quoting the {$110.00}. This issue has caused me a lot of strain, overdrafting my account, delaying other separate payment obligations, and time out of my entire day to resolve this issue to no avail. I spoke to their associates of this discrepancy and they are unwilling to provide a refund of the excess amount. I feel like there is nothing else I can do. I feel bullied around by a financial company that seemingly can do whatever they want, up and change my payment, and don't even have to duly notify me. I please ask if you can in any way offer assistance and insight in this matter, as there is no agreement I can come to with my financial institution in this matter. I thank you so much for your time and understanding.
XX/XX/2016. XX/XX/2015. XX/XX/2015.

I have a US bank secured credit card. I went through financial hardship and was late on making a few payments on the above dates. I have been perfect otherwise, as the records show.
I inquired about pricing on a home equity loan from the company " Figure '' ( NMLS XXXX ) on XX/XX/2018. They collected information regarding my income and property address. Their online portal notes that " checking your rate will not impact your credit score. '' I assumed that I was providing information to receive an estimation of pricing - ( rates between x and y %  ). I later received an adverse action notice saying my credit application had been declined as they could not verify my credit history - I don't believe they completed a loan application, so I don't understand how I can be denied a loan that I hadn't actually applied for yet. I believe this was unfair and deceptive. Upon contacting the company they claimed that by requesting to check my rate I was making an application.
Due to the economic downturn of the housing bubble, I lost my job, unable to find work due to the economic collapse. Therefore, my wife was working and we tried desperately to re-modify my loan with Flagstar Bank. Flagstar Bank refused to re-modify my loan, resulting in my foreclosure. I also hired a real estate consultant to help me try to shortsale and fax the documents to Flagstar Bank, but nothing was ever done by Flagstar Bank. I feel as though I am a victim, that the house was sold from under me and my family.
My company offers an HSA ( health savings account ) health insurance option with the HSA provided by XXXX and BNY Mellon. During the benefits enrollment period in XXXX 2015, my company *strongly* encouraged everyone to sign up for the HSA option over the tradtional PPO plans. I generally like the concept of HSAs and signed up for one, opting to contribute the maximum limit. Now XX/XX/XXXX, BNY Mellon has unilaterally decided to impose a $ XXXX/month fee on all balances below {$5000.00}. This was apparently a right reserved to them per the account terms to which we had to agree in order to opt-in to the HSA plan. As a consumer and employee, I never had the opportunity to fairly negotiate this as part of my benefits.
Inquiry -XXXX XXXX XXXX Inquiry- XXXX XXXX Inquiry - XXXX XXXX XXXX Inquiry - consumer  cellular Account - XXXX  XXXX XXXX I tried contacting Equifax to have these fraudulent inquiries and account removed from my credit report because of my abusive dad trying to fraudulently use my social security number to obtain credit I have also provided uploaded document that XXXX was even able to find that out and they removed it from my credit report along with all inquiries I needed Equifax to do the same as well but their customer service would not help and take care of the negative inquiries and account reporting to my credit report as I tried to tell them I work for the government and to also add my employment which I work for the United States postal service Equifax has very very terrible coustomer service
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are only 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
did not receive a court order to appear in court, being garnish for over 400,00 monthly by XXXX XXXX XXXX, no name on papers as to what co. I assume it was from XXXX XXXX XXXX for a credit card from XX/XX/XXXX or XX/XX/XXXX balance on card was XXXX XXXX, their bill XXXX XXXX.i received a check from XXXX XXXX XXXX dated XX/XX/XXXX. I paid insurance monthly covering the card in the amount of XXXX never cashed it first garnishment was XX/XX/XXXX no way I can afford this. Complaint # XXXX same as mine. Thanks
SS # XXXX I have submitted police report to Experian as well as a letter of dispute for each incorrect fraudulent activity on my credit report. And the issue has not been resolved. I am a victim of identity theft 2x. Experian has not removed the following fraud inquiries and credit card and Bankruptcy. Please review my documents I have lived in XXXX  10 years. There is a XXXX XXXX   bankruptcy reported XX/XX/2015 reference number XXXX.

Inquiries 33 total most of these are online inquires I researched. Online payday loans .Please Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account