WillisBack/dataset-financial-user-claim huggingface dataset:
I had contacted equifax to remove a account from XXXX XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me.
XXXX merged my account with someone who has almost the same name as me and she opened a auto loan that is showing up on my credit scores.
I had major issues with CASHCALL/XXXX This loan was taken out in XXXX 2011 but then it had issues and in XXXX of 2011 XXXX offered me a settlement which I tried to take multiple times but was ignored. They Wanted to settle for XXXX. The original loan was XXXX. My ex husband and I then filed chapter XXXX in XXXX 2011 paying 100 % to plan. Now that our BK is complete I notice that Cash CALL claimed XXXX on a loan that was owed XXXX!!! This is obscene. They stole almost XXXX from me and never responded to any of emails or phone calls on this..
This debt showed up on my credit report on XXXX XXXX XXXX ... I never received a dunno letter. So I mailed out a letter on XXXX/XXXX/XXXX requesting debt validation that I owe this company ( sign contract ) ... I never received any information. I sent my second letter XXXX/XXXX/XXXX requesting the same information and have n't received anything. I disputed this thru the credit bureaus and was told the information was correct.
XX/XX/XXXX we travel at XXXX and buy 2 medicines, merchant try to charge all under my XXXX XXXX credit card XXXX XXXX and XXXX within 5 minutes, the XXXX XXXX go thru and XXXX XXXX blocked for suspicious. My husband use XXXX  credit card issued by Bank of America. After merchant charged us the card and give us merchandise at a XXXX bag. Tours guide rush us back to tours bus and go. We did not find out we have wrong products until we back to United States when we try to take the medicine on XX/XX/XXXX. When we open the bag and see that's compressor candy instead of medicine, I immediately wechat my friends at XXXX to get hold with merchant, on the other hand I also use the site at box to contact merchant for what's going on.. then found out the site is not valid. XX/XX/XXXX my friends chat back that no such phone number. I also see article at XXXX when searching name of merchant then find out they scam people at XXXX already. So I immediately contact both XXXX XXXX and Bank of America to dispute the payments. XXXX XXXX stop pay the merchant ; BOA denied our dispute and excluded when I request re-open.BOA denied " no proof or tracking for return '' ( but I am unable to ) and excluded as '' this is face to face purchasing '' if we did not inspect product before left, its our mistake. I feel like we did not get protect by the bank and now bank force us to pay scam merchant for the fake product.
Sam 's Club MC/SYNCB charges late fees plus interest for payments submitted on or prior to due date. I have had {$97.00}. in late fees and {$16.00} interest added to my balance ( which is paid in full except for the {$110.00} ). Have written with no response.
I went into XXXX XXXX of XXXX 3 years ago to buy a car. I told them I did n't want a leased car I did n't need XXXX my credit was exceptional. I am elderly and can not see very well out of XXXX eye and I did not see that the contract was for a leased car and the salesman kept covering up the paperwork. So I tried for 3 years to get out of the contract and I went to another car dealer XXXX XXXX and they said they could get me out the lease and before I knew it they stuck me in another car. They told me that they could n't bring the leased car on their lot and I had to sell it in XXXX 's parking lot in XXXX, Idaho or in my driveway. The salesman said he could sell it in XXXX 's parking or in my driveway and could get me some extra money then he said he would take it back. His name was XXXX and he was a floater ( whatever that means ). Then he said he was bringing people to my house to look at the car and then he later told me the people bought a car at XXXX XXXX instead. Then I found out I was being charged insurance for XXXX cars because they were XXXX in my name. I took the car back to XXXX XXXX in XXXX 2015 and returned it and I did not make the last XXXX payments because they had the car. The car was in excellent shape when I returned the car with XXXX miles on it and now Ford Credit says I owe {$870.00} for repairs to the car mats and damage to the car. I am a XXXX living on a fixed income and was not able to pay it. They started sending me threatening letters and said they would zero out my credit. I feel that I was taken advantage of from the beginning I told them I did not want a leased car. My daughter had to pay the money because they were threatening to put a lien on my house and I have a reverse mortgage and I can not have liens on it or I will loose my house. I am finding out from other elderly people they have been treated the same way by these car dealerships and we have no voice. I have complained to the XXXX and they could n't do anything. I also filled out paperwork and sent it to the Idaho XXXX about XXXX weeks ago and have not received a reply yet. I called them and they did n't seem to care about my situation.
wells fargo claims I have an installment loan. I do not. I closed by accounts at Wells Fargo years ago. It refuses to do anything about this unless I disclose private information to which it is not entitled. I want the bank to correct its error and to never contact me again.
On XX/XX/XXXX Confirmation number XXXX I disputed the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As noted on the attached documents, as of XX/XX/XXXX they had not completed the investigation. I sent them a letter XX/XX/XXXX stating that the investigation has passed the 30-45 day investigation timeframe and they immediately changed the results to completed. I never received a letter stating the results. As you can see from the computer printout, they did not complete in a timely manner. I have also included a screenshot of what was disputed on that confirmation number.
This is my complaint I sent Bank of America : Why does it take so long for merchandise that I purchased using my debit card and pin # several weeks ago to clear or continues to pend, thereafter deducting funds from a new deposit? 

Based on my salary and infrequent pay periods I am the working poor and a college student, So I have to maintain meticulous records of all my transactions and after auditing my account it is unnecessarily below the amount I have calculated due to these pending transactions when the first several deposit ( s ) of funds were clearly available at the time my card was swiped. If this was n't true I would n't be able to make any purchases not even with " credit ''. 

In the end, with no fault of my own, I become the victim of overdraft chargers and/or insufficient fees shifting money from my savings account to clear transactions I assumed were cleared in good standing. 

I am scared to touch the same money I earn and deposit because I feel like I am doing business with a loan shark. 

Please help me to understand how BOA conducts business regarding my concern.
XXXX was the defendant in a Class Action Lawsuit several years ago https : XXXXThe short story on the case is : XXXX was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " Third Party '' collection agency ( Convergent Outsourcing Inc XXXX ) who now appears on all XXXX of my credit reports.
The Mortgage Company was formerley Nationstar, now renamed Mr Cooper. 
In XX/XX/XXXX I was advised by a representative of Nationstar that they were able to apply money from a suspense account to a repayment plan I was on. 

Later i was informed that was an error by their employee, the repayment plan had failed and I now owed two months mortgage again. 
Beyond that it has just been a financial nightmare. 

I sent correspondence, never got a reply ... ..and have since that time made numerous phonecalls to find out why I am liable for their error. 

The late charges have been mounting and completely destroyed my credit, along with posting a former loan modification on my report. 

I cant catch up and no other lenders will touch me because of my credit now. 

I have attempted three further modifications with my current lender, in an effort to remain in my home ... ..simply because i felt I had no other options left, and because the monthly payment recently increased and I have so many late fees now. All have been denied. 

I can show a good payment history as far back as XXXX. 

I now believe this company is very much in error, and am afraid they will cost me my home. They have certainly already destroyed my credit, and left me with no other way forward but to lodge a complaint.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXRe sently i am receive statement from those XXXXCompanyHowever, if when i claim servise with any companyThey also stated i fill for XXXX care and is any insurance present in my accordI think if they is any fraul attack going on my social securityI would of able to file fraul complain
I have a loan pending with XXXX for a refinance. Since XXXX, XXXX inquiries have been made by XXXX and Equifax Mortgage Services on behalf of XXXX. 
I never authorize excessive credit checks by XXXX and Equifax Mortgage Services on behalf of XXXX. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files ( XXXX, Equifax and XXXX ). Thank you.
1.FIRST OFF MY BANKRUPTCY WAS CLEARED ON XX/XX/XXXX SO 7 YEARS IT SHOULD BE OFF WHICH ACCORDING TO MY ADDITION IS XX/XX/XXXX, THE CREDIT REPORT STATES THAT IT WILL STAY ON MY REPORT TILL XX/XX/XXXX.WHY! 

2. THERE WAS AN INQUIRY DONE AT SOME DEALERSHIP IN XXXX XXXX LAST MONTH WHOM EVER WAS USING MY NUMBER ( IDENTITY THEFT ) HASD THE DEALER TRY TO GET AN APPROVAL SO WHOEVER IT WAS TRYING TO BUY A NEW CAR WITH MY NAME DIDNT GET APPROVED BUT ( THAT DROP MY SCORE 21POINTS I GOT DINGED ) THIS WAS NOT MY FAULT AND I HAD CREDIT PROTECTION WHERE ARE THEY WHEN THIS HAPPENED. 

3.THERE ALSO WAS ANOTHER DING FOR XXXX XXXX SAME CAR DEALER AGAIN
I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my XXXX XXXX, XXXX  and Experian credit report, are all fraudulent : XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX
in XXXX account had garnishment on my personal checking account the XXXX dollars was never dispersed the account was closed and over 13 years the bank has taken a XXXX dollar monthly maintenance fee in XX/XX/XXXX i received a letter stating since there has been no activity they would transfer funds now XXXX to unclaimed property i called to claim the funds rather then claim funds from unclaimed and all i get is statements
Last year around XX/XX/2017, l received a letter stating that my mortgage was being transferred to another company and that my payments would not change. My payments were XXXX per month with taxes escrow included. This company claims l owe XXXX more in escow and that l had to set up payments. I do not owe XXXX dollars in escrow. Now my payment are XXXX per month. My taxes are less than 4000 per year. I am being ripped off by this company. Also, l have a second mortgage that was transferred to the same company that was a home equity account with payments of less than 200.00 per month and now l am paying XXXX dollars per month and they are trying to make me pay escrow of {$380.00} per month on this account that was never escowed. Please help me with this company because they are trying to make me unable to keep up payments on my home. I was told by my account manager that it would be taken care of but nothing has changed.
I have sent a written dispute to Experian and to XXXX on XX/XX/2017. 
XXXX. inserted false information to my Experian Credit Report on XX/XX/2017 which was previously deleted by Experian as false. XXXX has wrongly re-inserted previously deleted false information and has re-aged false information. 
Experian has failed to send written notification for reentry of previously deleted item and illegally re-aged false information and failed to notify in writing.
I refinanced with XXXX in XXXX of 2015. They sold my mortgage to Freedom Mortgage and so the nightmare began. After my XXXX payment I received a late payment letter dated before my payment was late. I sent proof of payment from my bank but it did not stop their pursuit to a DEFAULT. They have lied, been rude and are duplicitous. What they say on the phone does not match what they say in their next letter.
WESTERN UNION MUST FURNISH ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS I SENT FROM XX/XX/XXXX TO XX/XX/XXXX PER LAW.
I located a company via the U.S. Department of education website. The company is called Premier Student Loan Center or another name of XXXX XXXX XXXX. They made statements that they would and have worked with XXXX XXXX to lower my payments and take care of all of my student loans. They stated that they would take care of everything. With the amount that I owed XXXX XXXX and the hope of trying to repair my credit, I began working with this company in XX/XX/2018. They obtained all of my personal information and student loan information. They stated that they would start with {$200.00} a month for 6 months and then all I would pay would be {$44.00} a month. In speaking with XXXX XXXX, the company made fraudulent statements to lower my payment. Was this for my benefit or theirs? So far they have taken {$590.00} out of my personal account and have paid nothing to XXXX XXXX. I have tried to contact PSLC or XXXX XXXX XXXX, via phone and email and have yet received a call back or email back. The service representative with XXXX XXXX said that this company has done nothing for me but add more and more interest to my loan by not paying, which is going to continue to grow and make it more and more difficult to pay off. Here I am trying to help my family and credit by getting this paid off and now its more money and they have my information too. I am looking to at least obtain my money back from this company and also the interest that was added to my XXXX XXXX account. The interest total, since XX/XX/XXXX, is {$1800.00}. Plus the additional interest that is going to add during the time to try and make resolve with XXXX XXXX while my loan is on forbearance for this incident. 
This company is not showing that they are helping people with student loans but stealing money for their own financial gain. Please help and advise.
I had a XXXX XXXX loan with a 10 year balloon, that was ending on XX/XX/2016, with Citi Bank. I contacted Citi at the end of XX/XX/2016 and requested options as I could not afford the increase from $ XXXX. to almost $ XXXX. We decided that I should apply for a hardship and try to see if we could get the payment lowered, which I did in the first week of XX/XX/2016. It has now been 8 months, over XXXX emails that I have sent and more than that received and still they are requesting additional and also the same, info. A lot of items they have asked me for, XXXX and 5 times! Or after having sent in the time sensitive info requested, they get back to me 2 months later and say it is outdated-and to resend it the updated info again. I have been borrowing the monies from relatives and credit cards to pay the additional payment, in the hopes that I could get a manageable payment. I was initially told by contact person at Citi, that I would have an answer by XX/XX/2016. I have contacted supervisors who sent me a detailed copy of all our emails and said basically this is a normal process. I am paying XXXX % on the credit cards for cash advances and can not keep this up. I want to pay my debt, but can not continue to wait this ridiculous amount of time. I do n't know if they are doing this on purpose, but ca n't imagine this is a normal time frame. I do n't know where else to turn and just looking for some guidance. They also auto deducted from my bank account the new increased payment XXXX month after I was told the payment had been canceled, per my request. Thank You for you help!
I took  my BMW in to  the  XXXX   XXXX   XXXX  DE  location  in   XX/XX/XXXX  to  start exploring getting a new lease since it was up in   XX/XX/XXXX .  While I was test driving they did an exception on my car and when I returned they told me no worries nothing is wrong with your car. Which I expected since it only had  XXXX  miles on it. I hardly ever drove other th an   XXXX    miles to and from work. I decided not to go with  BMW an  instead go with a  XXXX . When we called they said no issues with turning it in early.
In the year of XX/XX/2012 I beleive, I was granted a credit card with XXXX XXXX. The last 4 of the card I am speaking of are XXXX. I spoke with them and they told me that XXXX years ago I asked for a cash advance of which I may have. I honestly don't remember XXXX years ago. My account with this card has been closed for a couple years now ( not really sure how long ) but I have made my regular mothly payment. I then found that roughly half of what I was paying was going to pay interest on a cash advance from XXXX years ago, mind you the account has been closed for some time now. Right now my balance stands at {$470.00}. I am making the monthly payment but started wondering why my balance never seems to go down. Now I know why. They are charging me anywhere from $ XXXX-XXXX a monthjust on the interest. In XX/XX/XXXX of this year they charged me {$11.00}, interest. So for the last XXXX   years I have made payments of just interest of {$560.00}. That is more than I owe on the card. When speaking with them they told me the best they can do is to reverse XXXX months interest charge. I asked if they can reverse XXXX, why not all or something to help me out. They were totally unsympathetic. I own my own home and just went through a divorce, and I make adecent wage, but thanks to my ex-husband my mortgage is behind roughly {$9000.00} dollars. I was on a forbearance modification plan for XXXX months ( which ended in XX/XX/XXXX of this year ) paying a reduced cost. I am now in the midst of trying to get another modification so I don't lose my home. MKy mortgage payment was {$1700.00}, then after the forbearance mod it has jumped to {$1800.00} So along with all my other bills ( and I have no credit cards ) I do not need the added stress of trying to make a payment of which morally should be considered paid. Help and thank you
Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX, when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do  the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.
On XX/XX/XXXX a check for {$40.00} ( Check XXXX ) was presented at the bank. They returned the check, charged me a {$35.00} fee. When I called, BOA advised the check was not paid nor would it be paid in the future. On XX/XX/XXXX the check WAS RE-PRESENTED for {$40.00} and was put through and cleared. I was not informed. Again, I was told it would NOT BE PAID. On XX/XX/XXXX,  Bank of America charged me two more fees, {$35.00} and {$30.00} for this same check. Therefore, the bank charged me a total of {$100.00} in fees ( 3 total ) for this one check # XXXX written in the amount of {$40.00}. I contacted the Consumer Affairs Department directly of the Bank. I left several voicemails. The calls were not returned. The problem was not fixed. On XX/XX/XXXX I went in person to the Bank with a scheduled appointment. ***I am XXXX, having problems with an XXXX and NOT supposed to be out. I had no choice. The representative argued, then requested a partial refund ; he advised I would get {$40.00} of the {$65.00} overcharge back. On XX/XX/XXXX someone from Consumer Affairs left me a voicemail that " You got a refund of some of your fees. We will not do this for you in the future. Call if you have questions '' This woman had no idea I went in person, against medical advice, and made the request. This bank has done this to me over, and over, and over and over. They owe me {$25.00} additional dollars back.
I Have provided proof in writing of XXXX XXXX dollars that was consolidated. proof!!! I have never been to a XXXX in my life. I need this handled. And there is absolutely no papers on that loan either ; I have proof of the XXXX XXXX not XXXX XXXX ; what is wrong with you people.