WillisBack/dataset-financial-user-claim huggingface dataset:
I leased a vehicle at XXXX XXXX XXXX in XXXX. When the lease was up, I paid Volks Wagen Credit balance in full via wire transfer, I requested a paid in full letter which I received. This all transpired XX/XX/XXXX. I decided to sell the vehicle last week, XX/XX/XXXX. I discovered Volks Wagen Credit had a lien on the title, I contacted Vw credit and the said it was XXXX XXXX XXXX problem. I called XXXX they said it was Volks Wagen Credit mistake. I called VW credit again and they said they sent the release to the DMV and it would be two weeks! I lost my buyer, and now I 'm told I need to go to DMV and request Title. I paid in full {$15000.00} and a year and a half later they still have a lien! How many vehicles to they reposes with a false lien?????? I have to take a day off work to go to DMV and find another buyer.
The original member of Suntrust bank, XXXX XXXX, retired and in her place XXXX XXXX XXXX took over her assignments. He was unprofessional. Upon his first contact, he called on a Saturday to introduce himself. He proceeded by assuming that what I needed was down payment assistance when in reality I needed financing. When I stepped in to correct him the stated for me to let him " finish '' and that the call was simply a " courtesy call '' as he did not work weekends. I was unable to give him much more information since he appeared not to care. 

Given the horrible call, I still held faith in Suntrust to move forward with my financing. I had received conflicting information between the lender and the county and asked for his help, which he did not provide. He never pre-approved me even when I had sent him all of my documents. He insisted that I send him a copy of my social security card via an unsecured email server, he would not move forward after multiple emails granting him authorization to proceed and run my credit given that there is still funding in the program. The last straw was that he asked me to call the county and see if there was funding. 

He was literally going in circles and stringing me along. Given that this program is for people who do not make a lot of money and do not have any other previous homes, he took advantage of me and my situation. This is unacceptable and now I do not have a financing and I lost my chance at owning the property I liked because this was going for more than a month!
Cocentric Recievables has been reporting a negative account that does not belong to me. I sent in a dispute to them and asked them to investigate this, and delete it from my credit file. They never responded. They also never changed the status of this account to " in dispute '' with the credit bureaus. This was almost 5 months ago! This is unprofessional and unfair!
I called chase bank couple times and see if they can add my XXXX XXXX rewards credit card back onto my XXXX  report so far no answer and it still hasnt added back to my report and its hurting my credit score and I dont want lose my other credit cards and have my score to be in a bad credit status and no one is able to added back I never called in to XXXX and reported this account fraud or request a fraud block on my chase account ending XXXX and my current credit score is XXXX and that not good at all
Was told I would have to appear in court with no date specified also the agent and I quote " good luck in court '' and then hung up ... At the age of XXXX I did not have a credit card with a XXXX credit limit which I tried to explain to him and at that point is when he hung up on me
Nationstar has not provide correct information about my account since the first transact XXXX 2013. 
They opened a new account XXXX 2013. I was not provide a payment schedule, coupon book. 

I have faced tremendous loss since XXXX 2013.
My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
We Closed on a {$260000.00} XXXX XXXX on XX/XX/2016 with XXXX XXXX, due to an enticement of $ XXXX XXXX credit at closing ( see attached closing document ) which I was told would fund my property tax & insurance escrow & payments , among other items. I was told by the mortgage broker, XXXX XXXX, that I had to have an escrow to receive the full funding and I could cancel the escrow in the future because my loan to value was only 30 % - 40 %. I would NOT have accepted the mortgage without that proviso. This is supported by verbiage in the closing documents ( attached ) which states, a ) " For now, you will have an escrow account ... '', and on the same page, b ) " In the future, you may be able to cancel your escrow account, but if you do, you must pay your property costs directly. '' I am prepared to do this, as I have had many different homes & mortgages for XXXX years and have always paid my own taxes & insurance. 
In XX/XX/XXXX XXXX merged with HomePoint Financial, who now services the mortgage, and is now requiring a significant increase in my payments to cover their required " cushion ''. 
Upon receipt of this significant increase notification, I called to cancel the escrow & was told by a customer representative I could not, as this was a HomePoint Financial requirement. I explained those were not the terms of my mortgage and that didn't matter. I spoke to a HomePoint manager in XXXX, TX, XXXX XXXX, who reiterated the HomePoint policy of required escrows. 
In addition to being in breach of the contract we signed with XXXX, which contract survives their merger, I believe that this is merely a mechanism to slowly regain the funds given to me at the original closing by retaining thousands of " excess '' dollars of my money in their reserves earning interest & gains for them versus in my accounts. Im sure they take this unlawful and unethical approach with as many customers as will let them. With as low of a Loan-To-Value ratio as ours is, 30 % - 40 %, they have zero risk of losing money due to non-payment of taxes or insurance.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA FAIR COLLECTIONS & OUTSOURCING are required to " ... promptly DELETE all information which can not be verified. ''
I was ( closed my bank accounts in XX/XX/XXXX ) a Wells Fargo customer for over 20+ years. I applied for a {$10000.00} home equity loan over a year ago and was declined, however they said I was already approved for a {$10000.00} credit card. I took the credit card with zero interest for one year. They upped my credit limit to {$13000.00}, and then to {$16000.00} without me asking for increases. I now have a {$13000.00} balance at 27 % interest and tried to pay down the balance with my bank account. I made a {$10000.00} electronic payment on XX/XX/XXXX and received a confirmation letter from Wells Fargo ( via mail ) and my bank account has been reduced. On XX/XX/XXXX I requested my credit limit be reduced to {$5000.00} ( I have a {$3000.00} balance ) and I asked to have the reduced credit limit reported to the credit bureaus. I was told I had to wait 3 days for the payment to clear before I could reduce my credit limit. Today is XX/XX/XXXX and I called today to request my credit limit to be reduced, and I was told my payment had not cleared and again I could not reduce my credit limit. I am fed up with the inappropriate banking practices of Well Fargo. I want my credit limit reduced to {$5000.00}, and I want my interest rate to be reduced to around 11 % ( like my other cc account ), and I want all of this immediately reported to the credit bureaus. Not too much to ask!!! Wells Fargo needs to be closed by the govt and all executive officers punished, not just in XXXX, XXXX XXXX 
XXXX, XXXX XXXX XXXX
I made XXXX online debit transactions on XX/XX/2016 for {$15.00}. I checked my mobile app and make sure that the items were on pending and money was available for the transactions. By XX/XX/2016, when I check my bank app again, the XXXX transactions were no longer listed as pending and my balance were down, therefore I assume the transactions were completed and done. I then wrote a check for {$540.00} on XX/XX/2016 and on XX/XX/2016, I deposited enough money to make sure the check will go through and my balance was over {$550.00}. On XX/XX/2016, the XXXX transactions I mentioned above suddenly reappear and my check also went through and now the my account got overdrawn and the bank charged me {$34.00} for overdraft fees. I called the bank and explain what happened and they explained that the {$14.00} items were dropped as transactions because the seller did n't collect their money by XX/XX/XXXX and that they decided to collect it on the XX/XX/XXXX. Evidently, it 's the bank practices that if the seller do n't collect their money within 3-4 business days then the bank would dropped the transactions but if the seller decided to collect their money in a month from the transaction 's date then it 's still okay to pull the money from the account. I told them that it 's a false illusion to the consumer that if a DEBIT transaction was made and money was drawn and put on hold then the money should n't be put back to the account. If there was any DEBIT items that were dropped by the bank then they should notify the account holder so we wo n't get blindsided by it and also get a chance to make arrangements so the transaction will go through. I asked the bank if they would refund the overdrawn fees and they said no, and they ended up blaming me for not paying enough attention to the account.
On XX/XX/XXXX I received a call regarding an old credit from XX/XX/XXXX. I was told that they had gotten my name from the original collection agency and that they were representing this company - XXXX XXXX XXXX for {$730.00}. I told them I did not have this money to pay and was threatened with my bank account being frozen, loss of my driver license and arrest. I had been a victim of a scan last year and told them this was the case so I hung up. This morning, XX/XX/XXXX I called to see about paying the money in installments starting XX/XX/XXXX to which I was told I would have to at least pay part of the loan. I requested they send my this legal documentation by mail to which they refused stating they would send me the information by email. The woman I spoke to was once again threatening and she hung up on me. I am attempting to get this matter sorted out and would ask for your assistant
I was contacted by Navient by email about a payment due of XXXX on XX/XX/XXXX. The total due was XXXX plus interest ( XX/XX/XXXX ). Since that time I've been trying to find out why I suddenly owe this money. My loan was completely paid off and I received a letter of this on XX/XX/XXXX. Not one person out of the multitude I've spoken to from Navient and myeddebt.ed.gov can show me exactly why I now owe this money. I've searched the websites off both companies logged in under my account and I don't see anything to support what little information I have gotten from them. I've searched my bank records for anything to show what they are saying is why I owe. I've provided those records to them to show that they're wrong and was told I still owe. I will pay this amount if they can show that I absolutely owe this. But they have yet to do this and are still harassing me saying that I am behind. Also you can't contact the Department of Education directly to dispute. They just auto transfer you back to the debt collector.
XXXX sold my XXXX XXXX credit card account to Citibank around XX/XX/2018. I tried to log into the old XXXX account to get credit card statements from XX/XX/2018 - XX/XX/2018. They are not available anymore. I logged into the new account with Citibank and they are unable to provide statements from previous months when the account was owned by XXXX. I called Citibank on XX/XX/XXXX and requested statements. They informed me they had to request them from XXXX and this would take 7-10 days, I never received anything. I called on XX/XX/XXXX and requested them again and was advised it would be an additional 7 to 10 days, I never received them. I called Citibank on XX/XX/XXXX and was told to call XXXX. I called XXXX and they said Citibank has a procedure they have to follow to request statements. I advised that they had requested them twice and have not received them. XXXX told me to call Citibank and tell the to request the statements. I called XX/XX/XXXX and spent the better part of 3 hours on the phone with XXXX and Citibank simultaneously each stating the other is responsible to get the statements to me. Citibank advised XXXX that they did not receive old statements that they have to request them and XXXX said they don't have them anymore. Citibank told XXXX they were required to keep the statement for 7 years. XXXX told Citibank that they would have to request the statements. Citibank advised they had twice and still haven't received them. Once Citibank receives them, they can then forward to me. Citibank called me back on XX/XX/XXXX and said someone was looking into this problem but it would probably be another 8 weeks. In this day and age I'm pretty sure someone could push a button and get me copies of old statements. I have two separate accounts with XXXX. XXXX and this is happening on both accounts. I have requested and have not received statements yet they want me to continue to pay my bill. The second account we have is in my husbands name, however, there is only space for one credit card number on this complaint. I have listed him as an additional card holder. If you need his card number please let me know and I can forward it to you. I was trying to only do one compliant instead of two, one for each account.
I have mailed Certified and Certificate of delivery letters to Blakely Witt Requesting Debt Validation but the company never responded. I have also file a complaint with the Better Business Bureau. The Company keep Verifying a Balance on my CR but never sending documentation to myself to support their claim. In this case the debt should be removed because according to Texas State Laws and the Fair Debt Collection Practices Act the debt has reached the SOL from original delinquency date Dating back to XX/XX/XXXXfrom Original Creditor. Also, Blakely-Witt & Assoc. do not have the right to collect in the State of Texas. According to the State of Texas no debt collector can collect unless they are registered by the state. I have also requested Validation that I am liable for the debt and I requested Blakely-Witt provide an agreement with the Creditor that authorizes the company to collect on said debt. This has been an ongoing process and Im terribly exhausted.
I have XXXX student loans with Navient that currently show XXXX missed payments back in XX/XX/2014. This is definitely incorrect because after my semester ended in XX/XX/2014 and I knew that my loans were coming up for payment I entered my deferment paperwork. This paperwork was accepted and approved. I do n't ever remember receiving any information regarding late payments and I currently do n't have any payments due at this time. I believe they are reporting false information and I have made several attempts to work this situation out. I do n't have any other late payments on my credit report and these are really frustrating.
At the end of XXXX, XXXX processed the sale of 2 tickets to a music concert. The person who attempted to sell them, my daughter who is a minor, did not have the authority to do so. 

I immediately contacted XXXX, who reversed the XXXX transfer ( I will attach copies of this transaction ), shut down the account, and informed me that all charges were waived. 

Recently I received a message from a debt collector, True Accord, attempting to collect this money that was waved in XXXX by a XXXX employee. so disputed this, which they then rejected. 

Today I contacted XXXX about this. They admit to having a copy of the phone conversation in which these charges were waived. My request for them to review this phone call was denied. I then asked to have a copy of the phone call myself, which they then declined. 

So, this company has proof that I dont owe them money, wont review it, and also wont share it with me, the person being recorded. I asked to speak with someone higher up, and was denied. I asked to speak to their fraud department, which was also denied. What am I supposed to do here?
After XXXX Bank/XXXX, their attorney XXXX and XXXX Court Dispositions in my favor clearly : 1. acknowledge the account is the same as is listed on my file 2. linked them, the account, the court case and amount as the same entry listed on my credit profile. 
3. received documents prooving all of this SEVERAL times, on several occassions b fax, direct upload and certified mail ... 
Both XXXX and Equifax STILL HAVE NOT REMOVED THIS FROM MY CREDIT FILE AS A NEGATIVE CHARGE OFF. WHAT MORE DO THEY NEED? EQUIFAX has not even updated my address as requested, as is obviously noted by all parties and in the court documents. They have claimed to investigate and reinvestigate and received verification from XXXX when the attach say different.
Portfolio Recovery Associates, XXXX XXXX XXXX, Virginia XXXX XXXXXX/XX/2015 my XXXX XXXX account was seized and all my funds were taking up to {$900.00}. I checked my online banking and seen where XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX had taking all my funds. So, went to my locate branch and i was dumbfounded of what was going on. So, i called the attorney office they advice i was being sued by pra collections. after two weeks i recieved papers from XXXX XXXX where they had seized my accts and why. so, i went to my located court house to set a complaint and set a court date. well, my court date arrive and the judge stated i could n't get my funds back. this credit card i had when i first went to college. i was young and but this was i how survived. well after court the judge state i make a settlement with pra collectons. i called the attorney office and the no longer had the acct so i called pra collections they told me to call the attorney office bc they could n't speak with me about the matter. it was in the legal dept hands. so i was giving the run around. i want a lawsuit against pra for not informing me and the false information gaiving to me and the stress they have cause
I was injured at work and lost hours resulting in decreased income. I have fallen behind on my mortgage payment and am unable to contact the company. I have spent hours on hold and no one answers, or they answer and immediately disconnect the call. I call nearly every day. I am 4 payments behind and I had submitted one and a half payments to try and catch it up, but they returned that payment to me saying additional funds are needed.
I had a private loan dispersed with National Collegiate Trust. There is not phone number to contact them or anything like that. I deal with American Education Services to pay my bill and apparently they give National Collegiate Trust the payment. I ca n't afford the payment and they are not working with me to lower my payment. My interest in 7 % and my loan is too high due to interest. the Original loan was taken out for {$28000.00} and has now increased to {$51000.00} They have doubled the interest and will not work with me. I have tried to work with them by paying some of the payment, however, they still call and harass me to make payments I ca n't afford. My account number is, XXXX. My name is XXXX XXXX.
I closed on a home in XXXX of 2015 with a XXXX loan. The contractor was negligent and the original lender WesStar Mortgage ; now with XXXX. XXXX is refusing to honor the original bid.
I have a charge on my credit report stating I have an account in collections with Omega RMS. It shows that I owe over $ XXXX. This is a bogus charge. I called Omega RMS and they stated they do not have an account with my name on it, however it is on my credit report. I have never heard of Omega RMS prior to finding this charge on my credit report. I want it removed immediately. All of my accounts are in good standing and I have nothing in collections. I have no supporting documents because I have no account/experience with Omega RMS.
I had 4 credit card accounts with Capital One that got delinquent due to personal issues. When i got back on my feet I settled everyone one of those accounts under the agreement that they would be completely removed from my credit reports yet they still remain. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove all four accounts from my credit reports. 
here are the partial account numbers listed on the credit bureaus XXXX .... 
XXXX .... 
XXXX .... 
XXXX ....
I made a payment on XXXX XXXX, XXXX to a loan that dispersed on XXXX/XXXX/XXXX. This is within 120 days of the dispersal of the loan. Nelnet applied a portion of my payment to interest on this loan. This happens every semester when I get a bit more than I need on my loan, and I pay back the excess in order to only borrow what we need to borrow. Nelnet consistently tries to cheat us out of some of our money. I have filed 2 previous complaints since I realized that they were doing this, and have been doing it since our first loan was sent to them to be serviced. Every time it happens, I contact them and ask why it has happened, and request that they fix it. They always state that they will fix it, and then they do n't. The last time, they only fixed it once I filed a complaint against them with the CFPB. This time I am being pre-emptive, as I should n't have to follow up with them, after every loan dispersal to make sure that they are doing what is required of them by law. I am attaching a copy of the transcript of my conversation with them today. I do hope that they will follow through, although I will be surprised if they do.