WillisBack/dataset-financial-user-claim huggingface dataset:
My maturity date was in XXXX 2017 - In theory, I should be done with the car loan. I want to dispute the amount of {$4800.00} as to what my account states.When I decided to do a deferment I was NOT informed that the amount due at that time will accrued interest daily. I do not feel I owe GM Financial the US {$4800.00}. I do believe I ONLY owe US {$2500.00}. I have reviewed the account history of my payments made to GM Financial and I have paid over an approx. US {$41000.00} and an exception cant be made? I was never informed from any associate that my loan will accrued interest daily, when I decided to do a deferment. I never received any writing explanation on how the processes worked. If I would have been educated by the associate at the time of agreeing to the deferment, I might have reconsider the option at that moment.f. I have called GMF numerous of times, I have also reported them to the BBB. I have called and left messages for the supervisor I have also sent complaints via the GM financial website on various occasion and as of today I have not heard from anyone at GM Financial
I received an insurance check from XXXX insurance for minor damage done to our vehicle. I deposited the check in to the ATM not realizing that the lien holder ( CarMax ) was on the check as well. The bank is now holding the funds unil CarMax writes a letter on letterhead stating that it allows us to have the funds. I have gone back and forth numerous times with CarMax and they have said that no such letter head exists and they are unable to do what I have requested. Because they wo n't do it, the money is just stuck in limbo. I would think they would want the car fixed considering they are he lien holder on it.
I have been trying since XXXX of 2014 to remove PMI from my mortgage loan. Despite XXXX written letters and numerous calls, there has been no response from my lender. This is costing me {$150.00} per month for unnecessary PMI.
On XX/XX/2018 my car was repossessed due to non payment. I was notified of a returned payment the day before ( XX/XX/2018 ) and was told on XX/XX/2018 I had until XXXX XXXX  to make the payment in full or they were going to repossess my car. I made the payment in full over the weekend and the payment posted on the following Monday XX/XX/2018.They told me they had to install a tracking device on the car, because they had to repo the car. I feel that's extreme and unfair, I never hid the car for them to feel the need to install a GPS tracking device on the car. The finance company did not release my car until Monday XX/XX/2018, meanwhile marking the car as a repossession on my credit. 

When I asked about removing the repossession off my credit because the car is currently in my possession XXXX XXXX at my finance company told me, " no we're not removing it off, it is what it is, we had to pick the car up so it's a repo, deal with it ''. 

I don't want to have a repo on my credit if the car was released to me and in my possession. 

I received correspondence post dated on XX/XX/2018 on yesterday XX/XX/2018, informing me that my car was going to be put up for sale, meanwhile I already have it back and this letter came out after the payment had been paid, while having to wait 4 extra days to receive my car back. I missed 3 days of scheduled work due to not having my vehicle, especially after I corrected the missed payments.
Spoke to this representative and a letter was sent to the bureaus to remove this item from my credit and its still on my report This item should be removed from my report and the bureaus still reporting this collection account as valid.
I have been disputing a missed payment that XXXX XXXX reported XX/XX/. I sent proof of payment to experian verifying that the payment was not missed and they notified me that XXXX XXXX  assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with XXXX and XXXX  with she same incorrect information not removed.
Wells Fargo Bank partially locked access to my online business checking account. No reason stated. No reason it would be partially locked. If I wanted full access I was told to call them. In order to verify my ownership of the account they began asking me a series of questions regarding myself. Multiple choice questions about my previous addresses, personal partners, non existent XXXX bills ... basically an information fishing expedition gathering big data that has nothing to do with my account. Information that I would have never needed to divulge to set up the account. When I complained about the fishing expedition, my account was instantly unlocked even though I answered none of the questions in the array of data collection. I think this activity should be investigated, find out why they are collecting the information, what are the storage procedures, if they have a policy regarding the selling or swapping the information with third parties.
I have filed complaints against XXXX XXXX XXXX since 2017 for false claims that I and my wife owe them money. in fact XXXX owes me thousands of dollars for being paid money for credit repair that never occurred. 

XXXX  has repeatedly falsely claimed that I and my wife owe them XXXX and now they are using a so called law office to threaten me and my wife. 

XXXX along with the law office of James r vaughn need to be investigated for the following : 1. deceitful communication tactics related to credit repair 2. false statements via electronic means 3. harassment via electronic means 4. threatening behavior via electronic means 5. fraud for stealing from service members under the false claims that credit will be repaired 6. stealing money from Veterans and service members for services not delivered, i.e, credit repair.

7. false claims related to marketing : that if you are not satisfied with their services you do not have to pay any further.
My issue is that I as far as I know, I have an account with Walmart/Sychrony. I was approved for the card. I called to get some information on the card and suddenly they could n't find my account and now that results as a hard inquiry. My issue is that either the account is open or they remove the inquiry off of my report. I tried calling their underwriting department several times including speaking with a manager and nothing has been done. Plus they have outsourced their calls, so I can not speak with anyone truly.
Check # XXXX was paid into my account on XX/XX/18 for the amount of XXXX.

The account holder of the check and I bank with the same bank chase. On the XX/XX/18 the funds were place on hold and when I call about the funds I was told they needed to spoke with the person who wrote the check. After speaking with that person who gave me the check the funds were released on the XX/XX/18. On the XX/XX/18 the funds were put back on hold again, and when I call the bank, they sent me to the recovery and Fraud department and my account was overdraw. I later got the check in the mail and the letter stated my couldnt verfity the hand writing. My account is overdraw still and I want my monies.
Cfpb : discover recently sent a bill, after a call stating payment was need payment was made but agent didn't state that a XXXX interest charge was include that should have been liable to the negligence.
On XX/XX/XXXX and XX/XX/XXXX - I requested via secure message center to close my account. My balance was XXXX. Rather than closing the account - this Bank 's customer service representative keep on arguing how it needs to be communicated. On top of it - they charged me {$20.00} worth of over draft fees.
I applied for a mortgage on XXXX XXXX XXXX after having an offer accepted to buy a townehome at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. The amount settled on was XXXX with 5 % down and a loan of XXXX. At the time, I had XXXX in savings and XXXX in a joint savings. I used XXXX for earnest money, and XXXX was transferred to my personal savings for a down payment. With XXXX I still would need about XXXX for a down payment, which I knew I would get with my yearly bonus of about XXXX plus my tax return, XXXX, and XXXX fed and state, sale of stock, XXXX. Plus about XXXX more from bi-weekly savings over XXXX pay periods. 
However, I was concerned my bonus and/or taxes would not be available by the time of closing at XXXX XXXX and I could not talk the seller into closing on a later date, so I asked my dad for a loan. The very first time I ever borrowed money from any relative. I asked my dad for a loan of XXXX to cover closing in case I did not have enough by XXXX XXXX. 
My dad said, why do n't we make it XXXX? I think he just wanted to help. I did n't need XXXX, but I have to admit, it would be nice to have a little extra for the first year of home ownership. So I agreed to take XXXX and pay it back within 40 months plus XXXX. 

Now Security National is trying to make me write it up as a gift so they can cover their butt for lack of a better term. Apparently I ca n't take a low interest loan from my parent even when my debt to income ratio is way under the loan payment. Mortgage companies have no problem giving me a loan up to 43 % of my earnings, which I could n't afford, but will not accept the fact that my dad loaned me XXXX. 

Of the XXXX I borrowed from my dad, XXXX was invested in XXXX stock and XXXX invested in XXXX XXXX, XXXX XXXX loans. The other XXXX is sitting in my savings. I plan on using XXXX for moving, furniture, window treatments etc.. and the rest use to pay back my dad. But Security National says I can not count the money I put in XXXX or XXXX as money for a down payment OR the money on loan from my dad rendering it useless. If that is the case, then I will not have enough money allocated for a down payment, even though I have more than enough money for a down payment.
In XXXX of 2013 my husband and I went through a loan modification to restructure our debt. At the time we had 3 home equity lines of credit through Key Bank. All were included in the new loan. We have recently tried to secure a new home loan and discovered that not only are these account still listing balances when they should not be but are each listed in duplicate on our credit reports showing us as having {$160000.00} in collection accounts. We have attempted to contact Key Bank and have also disputed these accounts with the credit bureaus. Due to our disputes, XXXX  has updated their reporting showing two of these accounts as " PAID IN FULL WAS A CHARGE-OFF '' and the third account was deleted entirely.
Webster Bank allowed {$150000.00} in forged checks at a local branch without questioning the sudden change in banking habits of my elderly uncle. He was XXXX years old and never withdrew large amounts of money or wrote checks in large denominations. We have unsuccessfully been able to get Webster to reimburse the funds. The person responsible for the theft was arrested and prosecuted but the bank is not responding and Branch Managers are not helping us. The letter to the President of Webster bank remains unanswered as do our calls and questions. 
I have attached the letter to Webster Bank and copies of some of the forged checks that the Branch gave the police dept.
Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 7

00 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points.

It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake.

They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake.

I hope you can help
XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on XXXX. XXXX inquires on Experian credit report. XXXX inquires on XXXX.
XXXX XXXX, XXXX RE : Swindling consumers selling broken cars just to take consumers money To Whom it May Concern : I need help from being abused-threaten as a customer buying a used vehicle on XXXX/XXXX/XXXX. This dealer, XXXX XXXX -Concorde Auto loan, promised my XXXX XXXX XXXX XXXX 2yrs warranty or 20000 miles or so for repairs or anything go wrong with the vehicle. 
When I actually took the vehicle home and drove this car, then dashboard warning lights come on ; such as check engine, service escape, motor lock warning, traction light, as well vehicle was hesitant to start up and go ; steering wheel hard to turn doing such a time. So, I first taken the vehicle to XXXX XXXX for repair on more than one occasion. They did not make any repairs each time keeping me 4-6 hours at their place of business to check the vehicle. Only later on claiming they were not able to fine anything wrong with the car. The staff then told me to take the vehicle and get a diagnostic check ran on it. Now I believed that was why I brought the vehicle to them the last time. I continue to make regular monthly payment. 
The XXXX continue to frighten me to a point of fear of being stranded. So, I had to take off work or spend all day as well as go on Saturday for them to not help or fix the car. When I complaint to them they told me again to take the vehicle for diagnostic, just let them know before hand. I gone as long as I tolerated this all the way up thru less than 6 months of owning this vehicle, while paying the car payment ; then I took the XXXX to XXXX XXXX. During this time I spent nearly totaling XXXX in repairs to get this vehicle running under 6 months owner. Okay, I got the diagnostic done and still paid car note and for repairs out of pocket. Originally I paid XXXX or so for the first part of the repairs needed. The staff at Concorde then moved a payment for me to the back of my note. The vehicle started to stale on me so I had to take it back to XXXX XXXX where I paid another XXXX or so for repairs. I can not afford to pay that kind of money for car repair and the car payment. I have vehicle insurance that do not cover this type of vehicle problem. I need the car to perform my job. I feel it only fair for Concorde to take off funds that I spent to fix the car from my note. I spoke with Concorde manager, who told me they moved a payment once and that they were not able to do it anymore for this XXXX car note payment. 
I can not afford to fix a car that I just recently bought and pay a car payment as well. I told them this and I let Concorde staff know that I would talk to my lawyer about selling me a lemon car and wanting me to pay for the car note and pay to have repairs fixed in such a short time of owning the vehicle. Please help me Please see the attached paperwork of this matter. XXXX/XXXX/XXXX recd threaten letter to accelerate debit owed. 
Confused=Mistreated consumer XXXX XXXX XXXX XXXX XXXX XXXX
Upon being denied from a lender for " too many inquires '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any   reason.
1.     XXXX   XXXX    XX/XX/XXXX  and  5/9/15  2.  XXXX   XX/XX/XXXX  3.   XXXX     XX/XX/XXXX  4.  XXXX   XXXX   XX/XX/XXXX  5.  XXXX   XX/XX/XXXX  6.  XXXX    XXXX   /i am currently waiting for the other 2 credit bureaus to respond to my request.
I have a Home Equity Line of Credit which was initially opened approximately XXXX when I purchased my home in XXXX, WA. The HELOC currently has a {$0.00} principal balance and has been dormant for many years. Since it 's opening, it has changed ownership several times with different lenders. 

I received a notice dated XXXX/XXXX/XXXX that Everbank had assumed ownership effective XXXX XXXX, XXXX. There has been no activity/service provided by Everbank. Nor have I received benefit from its use. 

I received a letter dated XXXX/XXXX/XXXX that since it was in the repayment period with no future draws allowed, Everbank would like to close the account and prepare a lien release. The enclosed documentation stipulated the {$0.00} balance BUT demanded a {$120.00} recording fee from me. 

Today, I contacted Everbank and spoke with 'XXXX XXXX, Client Services manager who was adamant that they were fees due me and stipulated by XXXX XXXX auditor/recorder. She gave me the number for the XXXX XXXX XXXX. I spoke with XXXX XXXX in that office. He shared that the Washington State legislature mandates that the collect {$73.00} + $ XXXXpage for recording the document. Any fees charged otherwise are set by the bank. 

My perspective? This mortgage was likely purchased in a package of loans by Everbank. Likely they would not have made that purchase without the expectation of profit from that package. However, for my mortgage, a small subset of that package, they have provided NO service and I have received NO benefit. Consequently, I see NO justification for fees to be paid BY me while no services have been received. I consider this a completely unjustified fee from Everbank. 

XXXX XXXX
I fell behind on my mortgage payments due to illness, I started working with a housing counselor in XXXX 2015. She submitted a a completed workable solution packet to them. Maybe a month or two later, I received a call from my lender requesting I send in more papers. I did that. We have been to court here in XXXX. 
eight times and only to be told they need more papers. I have done what they asked me over and over again. The housing couselor also sent them what papers they asked for. I only want to start making payments to save my home.
I have filed several complaints with XXXX, Transunion & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.
XX/XX/XXXX called Midland Credit Management to set up payment arrangements of {$50.00} a month for 3 months starting XX/XX/XXXX. XX/XX/XXXX I made {$50.00} payment and today XXXX/XXXX/XXXX got a letter saying that agreement was voided. 

Called MCM and they could n't offer any explanation as to why it was voided. All they would say is that they received payment in XX/XX/XXXX. When I set up this arrangement it was because they told me that if I did not make arrangements to pay than this pre legal account would go to their legal department. 

It seems like they voided the agreement that both me and midland credit management agreed to in the hope that I would n't find the letter and be taken to court! 

I set up another arrangement but fear that this too will be voided like last time and i notice it too late
When I enrolled in my college ( XXXX XXXX XXXX, XXXX XXXX, KY ) I followed the advice of my XXXX and did exactly what he recommended, in terms of credit load. He ( and the professors in the education department ) recommended following a XXXX year plan to ensure that I would be able to manage my classes and classroom/XXXX hours. What they did not tell me is that my federal aide was only good for XXXX years. So I continued following their recommendations and the summer before my fifth year I received a statement letter saying I would receive XXXX dollars in financial aide. I was absolutely panicked and neither me or my parents knew what to do. I had very little guidance and wht I did get from financial aide office was vague. I had no idea that the private loan I was getting would leave me with such high monthly payments and that they would not budge in the amount of those payments. I was a college kid living with my parents and relying greatly on their knowledge and that of the student aide people, confident that both knew what they were getting me in to. What I 'm most upset about is that I was a XXXX student, I could have, and would have carried a heavier course load to get done in XXXX years, had I known I was losing all my federal aide that fifth year. If that was explained to my parents, they failed to tell me but I do n't think they were aware of it either. I have XXXX dollars of student loan debt and I make about XXXX. The federal loans are manageable because of government programs like XXXX plans. The private loan through Key Bank, totaling about XXXX, is not manageable, with payments of XXXX a month. I have XXXX young children and bills are getting heavier and heavier. Please help. Thank you.
At the beginning of XX/XX/2018 I started to receive notifications that Waypoint Resource, Group XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent Waypoint a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from Waypoint however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.
I was reviewing my files on my credit report and I discovered XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have never given this company permission to have access to any of my personal medical records. I never received any medical services from this company. I would like to know how any of my HIPAA Act protected information was released and I would REQUEST a copy of any signed documentation approving this release of records! I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.