WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a new vehicle back in XX/XX/XXXX from a XXXX dealership in XXXX, NY. I traded in a XXXX XXXX XXXX. I had a balance remaining. I made my last payment in the amount of {$340.00} on XX/XX/XXXX. The XXXX dealership paid the remaining balance off. They mailed a check to GM Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX in the amount of {$3700.00}. The check was cashed by GM on XX/XX/XXXX. I have copies of the deposited check. GM was over paid by {$590.00}. I have contacted GM several times regarding my refund. I still as of today XX/XX/XXXX have not received the refund. I was now told that GM will  not process the check until XX/XX/XXXX. This is unacceptable. I paid this vehicle off 2 1/2 months ago. I should not have to wait this long for my money. As I'm writing this complaint GM has me on hold. I can not believe they can take advantage of a consumer by holding their funds for an extended period of time. They just hung up on me after waiting over 15 minutes on hold. Please have them expedite my refund. I do not want to wait until next year. If you need copies of the documentation I have all of it. 
Thank you XXXX XXXX XXXX XXXX.
Generated a loan w/ XXXX XXXX XXXX of XXXX XXXX GA XXXX Indicated to collector XXXX on numerous occasions my employer does not accept personal calls. Agent disregarded my company policy multiple times. Including phishing for personal information from my employer who then notified me. 
Beginning on Thursday XX/XX/18 Last call today XX/XX/18 in which my employer informed me.
I requested an investigation 3 times and they continue to send back notices that they investigated it with no real investigation done. this last time they sent me back a notice yesterday that they were unable to honor my recent request because I did not provide sufficient identification information for them to verify my identity, or the information that I provided was not legible. I had all of the information I sent to them NOTORIZED. AND SENT CERTIFIED MAIL and which all included a copy of my drivers license and a copy of my social securtiy card. they did not provide me proof of an investigation was done, nor did they do an investigation. they just keep sending back these letters with excuses as to why they will not do an investigation. they continue to give me the run around. 

ALL DOCUMENTS WERE SENT TO EXPERIAN CERTIFIED AND NOTORIZED
The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a Visa card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a Sears/Citibank account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact Sears/Citibank. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a XXXX loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from Sears/CBNA in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted Sears/CNBA to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks
Please see CFPB complaint number XXXX that was just filed on XXXX XXXX 2017. That complaint only covered 2 of the entities involved in this debt collection complaint. Please use the material and information provided in that complaint file # XXXX in conjunction with this filing as they are one in the same.
Received letter from XXXX XXXX XXXX XXXX stating i owed {$9900.00} to First U.S.A Bank. Never heard of this company and do not know what this is for.
I keep getting calls from XXXX XXXX XXXX. They use different phone numbers every time but I have kept track. I have requested to be removed from their list every time and yet they continue to call. They are trying to contact my father, but I am not responsibly for anything related to him have no knowledge of debts he owes so they need to leave me out of it. They have called me a total of five times after I initially requested to be removed and this last time they said that previously my name was not added to the Do Not Call list. This is illegal. I have nothing to do with the debt owed and have requested to be removed. This needs to be handled. 

I received calls : XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX STOP WITH THIS ILLEGAL PRACTICE.
After a year and a half working with HSBC mortgage on a loan modification, I was told that my modification was denied due to insufficient income. I filed an appeal and was denied a second time. In speaking to one of the representatives, I was told that my expenses exceeded over {$7000.00} per month which is incorrect. I was also advised by my counselor that my interest rate increased in XXXX 2016 from 3.25 % to 4.25 %. I was never notified of an interest rate change. During the modification process HSBC refuse to take my mortgage payments and now I am over {$25000.00} behind and facing foreclosure. This is my second time filing a complain, my first case was closed without any resolve.
My XXXX and Equifax hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on Equifax and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done
On XXXX XXXX, XXXX, My truck XXXX XXXX XXXX XXXX XXXX was wrongfully repossessed by GM Financial. I was in a Chapter XXXX bankruptcy and I entered into an agreement with GM Financial which stated on page XXXX ( please see attachment ) of the court order if I am past due XXXX payments, GM Financial is to send me a correspondence giving me 14 days to cure the default or the vehicle would be repossessed. I received a call from GM Financial on Saturday XXXX XXXX, XXXX but since I was at a church event, I could not answer the call nor did the person leave a voicemail. I never received notification from GM Financial stating the payment was past due. I received notification the day the truck was repossessed from the court stating there was a motion to repossess to truck. The truck was already gone by the time I received this letter. Since this incident, I filed a lawsuit against GM Financial. During the last court date on XXXX XXXX, XXXX, the judge dismissed the case stating it was out of his jurisdiction because the court order was from Bankruptcy court and I would need to handle matters there. GM Financial 's attorney, XXXX? ( Her last name was not visible on the court order ) immediately started lying to the judge before he dismissed the case. She was also irate and confrontational because I decided to file a lawsuit in XXXX, almost 6 months after the repossession. She lied about the truck being sold by GM Financial after my bankruptcy was dismissed. The truth is I never received I never received notification from GM Financial about a past due payment prior to the repossession as agreed in the approved court order, the truck was sold on XXXX/XXXX/XXXX, and my bankruptcy was dismissed on XXXX XXXX, XXXX. I was n't clear if she was trying to say there was a statute of limitations in regards to a case such as this but GM Financial was wrong and took advantage of my situation. On the day the truck was repossessed I called GM Financial and spoke with several representatives who confirmed no letter was sent advising of the past due payment. Also, I planned to pay on that day because I was paid on that day but decided to leave GM Financial and not do business with them anymore.
Received a statement ( not itemized ) from Rent Recover Solutions, XXXX saying that a balance of {$5100.00} was due from 2012. This communication was mailed to my place of employment and to a post office box that I no longer have. 

The original bill is from the XXXX Apartments and was in the amount of {$650.00} which was not paid. The XXXX Apartments sent this to collections where it appears fees have incurred. 

Rent Recovery Solutions is threatening a judgment.
TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX unverifiable INQUIRIES XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized
On XX/XX/XXXX I sent a letter to XXXX/CBNA to dispute acct # XXXX via certified mail on XX/XX/XXXX in regards to inaccuracy on my credit report. [ I owe {$450.00} as well as reporting delinquencies of 30 days late XXXX. I dispute the validity of the debt purport I owe.XXXX/CBNA provide an application, without a date that clearly states naps date XX/XX/XXXX XXXX XXXX  is this where they get their customer information from but if this is XXXX/CBNA proof wheres the contract to the application agreement, are all the purchase receipt they are electronic that add up to {$450.00} worth of purchases, canceled checks, late payment checks, itemized bill does not constitute verification. Then I sent another letter on XX/XX/XXXX 31 days later certified mail signed on XX/XX/XXXX informing XXXX/CBNA that upon checking my credit report XXXX/CBNA did not place a " NOTICE OF DISPUTE '' by the federal law within 30 days. You are required by the federal law to place a NOTICE OF DISPUTE when you signed on XX/XX/XXXX certified mail within the 30-day timeframe required, The Fair Reporting Act Section 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15U.S.C.1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to the consumer reporting agency is disputed. XXXX/CBNA has since marked report but they are still in violation when you report to all bureau you must notice of dispute to all bureau not to your favorite one ... ... .all three. Duty to provide " NOTICE OF DISPUTE '' by federal law my law XXXX/CBNA MUST REMOVE / DELETE THE ITEM OFF CREDIT REPORT. PLEASE ENFORCE THE COMPANY TO ABIDE BY THE LAW AT HAND THE VIOLATED.
XX/XX/2018 Dear Gentle Person, I am reporting TransUnion Credit Bureau for two items and XXXX   for one. 

TransUnion 1. My credit Report is wrong -- my score is incorrect as nothing has happened within 2 months that would have dropped my score from XXXX to XXXX -- the XXXX was the low score on my three report review when I was approved for a XXXX Veteran Home Loan. 
2. Nothing changed on my credit report although TransUnion dropped my score by 62 points -- I contacted TransUnion CEO XXXX XXXX and his staff did nothing to investigate. 
3. I have reported inaccuracies to TransUnion over the years no less than 20 times and they have not corrected. 

4. I found out from a TransUnion Staff member who worked in the section I am about to tell you about that because I had reported so often ( due to their not correcting in the time period they are allowed ) they had placed my credit score under special watch ( Targeting if you will ). 
5. I ask him what he meant -- he said as follows there are an awful lot of credit repair companies now that send the same disputes for their customers every quarter so if you dispute now to stop the overwork for TransUnion more than so many times a year -- we flag your social security number in the system and all your disputes come to this section. 
6. I said you can not do that -- it is discriminating against a certain amount of people in the credit world because their accounts are wrong and they are disputing them -- that is targeting. 
7. He said it is the only was TransUnion can fight these credit repair ahencies. 
8. I said regardless of TransUnion 's excuse its targeting a small group of consumers because their credit report is wrong and they dispute it. 
9. So what this section does per staff is not fully investigate but instead if you havve disputed the same thing in the same year they just send a duplicate letter failing to uphold the credit consumer laws of our country. 
10. This is illegal and wrong as things in credit require an investigation within 30 days for a disputed item -- for a certain segment of the credit public they are not doing it -- because I had disputed wrong credit reporting -- they did that to me. 
11. This is happening to consumers everyday at TransUnion -- I have emails with names of staff in this area 12. I request reimbursement for all the years my credit report was wrong and it affected my credit and employment XXXX XXXX XXXX XXXX 1. I told them XXXX XXXX and XXXX XXXX XXXX my score and the report they received were both wrong and requested they verify. 
2. They stated they were not in that business and stated TransUnion would be who I contacted. 
3. When I requested a copy of the report they received to verify against TransUnion they refused and stated they were not in the credit report business. 
4. If Fraud or wrongdoing is questioned and brought to their attention it is the responsibility of the Financial Institution to verify -- they failed to do so when I asked. 

Thank You XXXX XXXX XXXX
YOUR COMPLAINT On XX/XX/2018 I withdrew USDT from my XXXX account and transferred it to Coinbase. I should have changed the coins back to XXXX before transferring, I know it was my mistake. It was {$9200.00}. I contacted XXXX and they said there was nothing they can do because the funds left there and went to a coinbase address. I contacted coinbase and here is the response I got back from them. Good day! Thanks for hanging in there while we investigated this case. Prior support personnel were correct in their assessment. Under no circumstances is anyone encouraged or allowed to send digital currency that is not accepted by Coinbase, as these funds will be not be capable of being retrieved. For more info feel free to peruse here. XXXX XXXX XXXX XXXX My apologies that there isnt more we can do. Have a great day, and thanks for using Coinbase! XXXX Coinbase Support I contacted USDT XXXX ( the coins I sent ) and they said they would work with Coinbase on retrieving the funds. This is the response I got from tether who said they would help, but coinbase still refused to pull back the funds. Dear Coinbase support, I have unfortunately accidentally transferred XXXX  USD to my Coinbase address XXXX   Unfortunately while you may not directly support these funds they are still now owned/controlled by this address you control. The XXXX team is more than willing to work with you on the recovery process if you will work with them. Can you please reach out to their representative at XXXXto for additional information on how to recover and return the funds.

OnXX/XX/2018 at XXXX   PDT XXXX <XXXX> wrote : I sent USDT from XXXX to Coinbase by accident. How do i get my money back to XXXX? address : XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX
Hello, I have a defaulted school loan with   XXXX   XXXX  /NAVIENT. The last time I spoke to them was years ago. I could n't afford the monthly payment. After several forbearance 's I knew that I had to start paying again. I did n't understand how I had so much forbearance time. I called.     They were, without a doubt, trying to intimidate me asking me " if I own my home, what kind of car do I have ( year, make and model ), what kind of bank accounts do I have? '' At that point I said " pls just let me send you a check with a payment I can afford. '' They responded with " I can only use a smart check ( I dont know what that is, similar to  EFT  I believe. ) I refused to give them my banking information. I told them I 'd send a money order if they do n't believe I would cover the funds. At that point I was met with a tone that made me uneasy. They refused the money order. I hung up and NEVER spoke to them again. My mistake I guess.     My Mom co-signed this loan. They 're sending her notices and I 'm afraid for her as well as myself. I 'm afraid to even call them. I owe {$100000.00} in school loans. This  one  in particular was originally {$7000.00}. It 's now over {$10000.00}. I 'll never be able to repay all of this money. I never was able to get a job in the field I have my degrees in. I 've accepted that however I can not repay all of this. I do n't make enough money to.     I 've recently spoke to   XXXX   XXXX  . They took my tax refund and put me in a worse hole now. I 've begun to pay them. I 'm afraid to call NAVEINT though as I 've read about the lawsuit.     I 'm angry that the schools and the banks did n't advise me better in regard to these types of loans. I was young and had no idea that {$65000.00} in school loans would be so difficult to repay and turn into {$100000.00}. I 'm angry they allowed me to do so many forebearances. I 'm angry they would n't work with me previously - it 's not fair and I 'm really lost at this point.     I do n't know if you can help my mother and me. Anything you can suggest would be greatly appreciated.
On XX/XX/XXXX-XX/XX/XXXX someone made a purchase at XXXX store at the address XXXX XXXX XXXX, XXXX, ny for amount of XXXX , On XX/XX/XXXX I file a fraud claim on my account with the Bank of America. After a month of investigation BOfA took back a credit from my account and closed the case with explanamiton that in was a chiped card and the chip was insert. And based on this information all the charges was put on me. When I asked them to give me more information about this purchase such as copy of the signature, they was not able to. So they made a decision only on the information that the chip was insert. XX/XX/XXXX I filed a police report about it and based on my actions, BofA reopened the case. I also checked the address of the XXXX store and the address has no relarionships to the XXXX store, there are no connections with this building related to XXXX at all. As of now I am waiting for a detective from the police department to contact me and maybe give me some additional information about my case. I also waiting for the actions from the BofA investigation.
I purchased a car from a XXXX dealership and obtained financing from GM Financial. I made all of my payments on time, without any late payments or less than the amount required. In XXXX of 2018 I paid off my loan in full, years in advance. The title was released immediately, however GM Financial then promptly stopped reporting everything related to my account to the credit bureaus. I have a perfect credit report. I do not have a single delinquency, collection, or negative remark on my credit. However, I now have this account on my report which has not been updated for going on 6 months and it is starting to have an impact on my score and my credit worthiness in the eyes of creditors. It does this for two reasons. 1 ) It appears that I have a balance for on a loan that originated on specific date and the balance has not decreased like it should be. While there have not been reported dates and lenders can see that, it isn't being taken into account. It reflects poorly on me. 2 ) When I paid off the car, I did so because I sold it because I unexpectedly moved to XXXX and no longer needed it. It was a relatively new car and I took a large loss on it and I had to take out an unsecured personal loan to cover the difference. So now I have the loan of the personal loan counting against me PLUS this car loan because GM Financial is refusing to pushing that I paid off my account.

I have called GM financial repeatedly about this issue. They have claimed to have updated their system and as a result have stopped reporting to the credit bureaus. I am a software engineer with 15 years experience. I can tell you that you do not roll out a system upgrade like this if you need to take a portion of it offline for 6 months because it doesn't work yet. I was told multiple times that I was back online and it still hasn't been reported. At this point it is impacting my life and and I am unable to obtain financial products that I am seeking specifically because of GM Financial. If I am in this situation and I have a perfect credit report and an income of XXXXyr, how many other people is GM Financial impacting with their sloppy system upgrade?
I went to close a safe deposit box a t Wells Fargo in      2013.  I physically went to  Wells Fargo location  on  XXXX   XXXX  in  XXXX , Tx to close it again and pay the rekey fee which was {$120.00}. Now 4 years later I received a certified letter on  XXXX   XXXX  stating that I owe {$400.00} as well as {$120.00} rekey fee. I visited the location a second time as tried to pay the {$120.00} rekey fee to close it out but not the {$400.00} accumulation charge because I already tried to close it out i n 2013 and  they  were aware of this. This is a deceptive practice for Wells Fargo to hold the box 4 years to purposely accumulate more charges as i have been stated and attempted two time s to close out this box. Post offices as well as other local banks and companies close out boxes if they are not renewed in an alotted time period and the box ower is charged a rekeying fee. This was not the case wit h Wells Fargo  as there was a lack of communication on their behalf to notify me until 4 years later that I received and continue to receive this absurd {$400.00} charge.