WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I received a modification of terms. In XX/XX/XXXX, I received another one. In XXXX, I've worked extra hard to honor my agreement with Bridgecrest. I event went back to working a XXXX job as a teacher XX/XX/XXXX. Since XXXX began, here are the amounts paid for the year based upon clearing my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX At the end of XXXX, I inquired about another extension, as I could prove that I started the new job with a more consistent salary to help catch up, but I wouldnt receive my first paycheck until XX/XX/XXXX. Nevertheless, I worked my XXXX business and XXXX XXXX day and night to generate the income to make up the payments, as the collections rep was really nice about helping me. When I last paid Bridgecrest on XX/XX/XXXX {$460.00}, the rep asked me about the next payment. My response is and has always been " I make a payment by the end of the month '', which I've been doing since my finances became time in XXXX. I even paid extra. On XX/XX/XXXX, I receive a credit alert from XXXX   XXXX saying " Improved Account BRIDGECREST FORMERLY XXXX XX/XX/XXXX from XXXX ''. Maybe that is what prevented me from proactively reaching out to Bridgecrest again, as Im thinking the extra payments are really working to catch me up. The two FULL payments in XXXX would remove 60 days of delinquency. However, after work yesterday, XX/XX/XXXX, I'm on the phone with my fiance and hear '' are they getting the car ''? The repo man was here. I'm beyond shocked. I immediately call Bridgecrest. Why is the repo man there? " You put a XXXX on the account ''. " Yes I did, but I also asked you all to contact me by mail, since you disrupt my work environment by calling multiple times a day. My track record is that I will always pay the bill. You all could have also emailed me to let me know I was out for repossession. '' Sir, we sent you a letter. " When? I havent received it yet ''. We also sent a repo notice by email. " NO sir, you did not. The last email I received from Bridgecrest was XX/XX/XXXX thanking me for my payment. I periodically got emails from Bridgecrest, including XX/XX/XXXX for address verification, and one in XX/XX/XXXX and XX/XX/XXXX, but whenever I respond, Bridgecrest reps do not reply. However, I was never notified that I was in default of the contract and repossession was imminent. Bridgecrest reps also told me that there had been calls, but NO ONE left voicemails of any kind nor is there a record of the calls, which would be a violation of the XXXX. From previous deadlines, I know that Bridgecrest will charge off the account at 120 days. As of yesterday, I was 117 days and payment was scheduled for XX/XX/XXXX, as Bridgecrest knows I get paid at the end of the month. However, to submit it for repossession is absurd. Previously, I've crossed that deadline and Bridgecrest communicated with me to resolve the delinquency crisis. However, that has not happened this time.
I opened a promotional credit c ard with USAA in   XXXX . I made a couple purchases totaling  XXXX  in addition to the promotional transfers. Their credit card terms state o n page 14 section d that any payment above the minimum payment will be applied to the balance with the hi ghest APR. In  XXXX  I paid almost  XXXX  and they applied the excess to the lowest APR and charged interest on the highest APR. I called 4 times and was bounced around, lied to, deceived and told that I was wrong until I spoke to a third level manager who admitted i was right and waived the fee plus calculated what needed to be paid in  XXXX  to stop the interest at  XXXX . In  XXXX  I paid almost  XXXX  and again it was applied in the same manor and I was charged interest. I called ag ain and again got the run around. This time the third level manager could not have cared less. USAA ad vertises caring and customer service and I got the exact opposite. As a  XXXX  vet I expected more from a company that says they will take care you those who served. Instead they word rather jerk me around lie deceive and steal from me. It 's not about the money it 's about the honor integrity and morals of a company. It is clear that  USAA has none of these. We have multiple accounts across our family and we will be closing all of them. USAA will lose at least 6 custo mers for the  XXXX  that they stole from me. Does not seem worth it to me.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX Website : XXXX : XXXX Called me several times demanding I pay XXXX or they would suspend all my bank accounts. I called them tried to resolve and they said only could pay full amount. 

I have voicemail where they threatened me.
I have supplied the credit agencies several times the appropriate forms to delete XXXX XXXX XXXX from my credit report. I supplied the final disposition of the legal case which states the account should be deleted. Experian responded stating that the agency was unable to remove the account based on the legal disposition. Instead they placed Paid, Closed Charge Off
Our mortgage with XXXX was purchased by Green Tree in approximately XX/XX/XXXX. We had loan modification completed with Green Tree during this time. We have made payments on time to Green Tree since then. Green Tree is now DiTech. We made a late payment for XX/XX/XXXX. DiTech is in violation of FDCP Act, Section 806, # 5 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) ; Section 805, # 2 and 3 ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ; and has physically delivered a notice to call them on our property not through U.S. mail or any other delivery service.
Suntrust Cardmember Services refuses to allow me to dispute future, recurring charges to my credit card.
I am submitting a complaint against Target Cause they continue to report a fraudulent account that I did not authorize to be opened in my name. They sold the account to XXXX XX/XX/XXXX and I was able to resolve the issue them and get the fraudulent account removed from my file. XX/XX/XXXX I put a complaint on Target and they refused to remove the account even though I have provided supporting documents with my claim. They proceeded to report to XXXX as if the Charge off was XX/XX/XXXX which put me in a worst predicament than I was. I am requesting for this fraudulent account to be removed from my file. I have sent them my police report and the letter from XXXX XXXX XXXX which I am going to attach to my complaint as well.
I had a car-loan w ith   XXXX   XXXX   XXXX    that was in delinquent status when it was paid off in   XXXX    2014 by m y insurance carrier,   XXXX   XXXX  . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,
This applies to both Private and Public loan service providers and is partly due to a significant gap in 34 CFR 685.204 concerning In-School Deferment and the National Student Loan Data System. Per 34 CFR 685.204, ( b ) ( 2 ) ( iv ), Student Loan custodians MUST process in-school deferments when they verify a borrower 's half-time enrollment status. First and foremost, this section should be amended such that the Student Loan originator MUST NOTIFY the borrower of their updated information and eligibility for In-School Deferment. At a minimum, the statute should include a mandatory notification to the borrower that they have been placed into In-School Deferment. I will now present an example of how the current process is predatory in nature : Educated borrower has graduated and begun making payments. They sign up for automatic bill pay with each Student Loan Originator and begin to pay down their debt. Years later, they decide to re-enroll to pursue a XXXX XXXX XXXX. They do not take out any additional loans. Unbeknownst to the borrower, the school supplies the borrower 's information to the National Student Loan Data System (  and possibly the National Student Clearinghouse ). The Student Loan Originator receives this information and as required by 34 CFR 685.204, ( b ) ( 2 ) ( iv ), moves the borrower into In-School Deferment. The Student Loan Originator has no requirement to inform the borrow of this transaction. While in deferment, minimum payments drop to {$0.00}, so no further payments are made. For borrowers with unsubsidized loans, their interest continues to build, with payments no longer coming in. So, through no action of the borrower and no notification to the borrower, the Student Loan Originator has increased the overall cost of the loan to the borrower, by a difference of potentially thousands of dollars. This is a predatory action. Any and all activity into and out of deferment should require written documentation and notification to the borrower. Additionally, Student Loan Originators should not be required to AUTOMATICALLY move borrowers into In-School Deferment. The action should instead be to notify the borrower to request permission to move their loan status to In-School Deferment.
CREDITORS HAS WROTE TO ME FOR THE REMOVAL OF INQUIRES AND EXPERIAN HAS NOT REMOVED THEM AND ITS BEEN OVER 30 DAYS
I have sent a letter from myself and my wife asking them for a copy of the contract and our signature as required by FCRA and they have not responded to our letter. 

It is a legal matter that they are not complying to. 

I will attach the letter and certified confirmation that the letter was received.
XXXX XXXX XXXX sold my debt to National Credit Adjusters. I settled the debt with National Credit Adjusters but neither company will update the credit reports. The settlement was finalized in XX/XX/2018.
On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to Navient to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.
After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These accounts are inaccurate and should not be on my credit report. 

XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

These following companies below have put unauthorized inquires on my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
I have sent debt validation with no response. I'm not sure if this company actually owns the debt. I have not receive any notifications from their office. In addition each month they add {$1.00} to {$2.00} to the balance.
I have used the online message center to update Chase on my unemployment but when I send an update, they immediately start calling, every hour or two and never have record of any previous update, conversation and promise to pay. The collection calls last an hour or so with lots of " I'm sorry '' and promises to record the information provided, but they never do.
I review my credit report several times monthly. On XXXX, I reviewed my credit reports and saw that XXXX XXXX added a collections item to each of my credit reports. This dropped my credit score 30 points. The original creditor was XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed these items to be removed from my credit reports but they were only updated to show the balance due as {$0.00}. I paid XXXX.
Wells Fargo Stealing My money by way of posting and re-order transactions. So many NSF/overdraft fees.
I was trying to refinance my mortgage and I was convinced by the agent from Loan depot that my loan would be approved and he promised my every thing would be Ok. after checking my credit and debt to income ratio, he said that it was a done deal. 
I again asked since I was concerned that what would happened if the appraisal did not come as he confirmed thru XXXX and he said that they have a lot of other programs that I can qualify. he also said that I can pay for an appraisal and if it comes low that my payment for the appraisal would be refunded. 
Everything was a lie. when the appraisal came at XXXX not the expected XXXX he simply said that nothing could be done. he never contacted me again and I wanted my appraisal fee refunded when he promised that it was going to be refunded. after I asked to speak to a manager he called me just to let me know that the only way I could get my refund is if I had refinance my mortgage with loan depot which he forgot to mention when he just said that my appraisal fee would be refunded. be careful with them since they do not tell you the whole truth and they will lie at everything. I am still waiting for one of their manager to contact me after 7 months still nothing.
XXXX XXXX XXXX CEO, please notice there must be a release of mortgage doc. from land or county recorders office. Please clear title see docs and all warrants are signed and more to come ... 
Hope you understand this is very important as someone mentioned that none of these other Companies have any right to sell or post anything on my door or trespass me and title.. XXXX XXXX XXXX
My bank sold my house, when they told me there was no sale date and they had postponed the last one. They did n't notify me of the sale prior to the sale as they have in the past. I only got a notice that it had been sold.
XXXX XXXX ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE! 

XXXX XXXX SOLD THE DEBT TO MIDWEST RECOVERY SYSTEM IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS. 

ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS.. 

THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.
XX/XX/2017 XXXX XXXX CST I called to ask about options for lowering my payment, being that my wife is out of work and I am taking over all finances. They said I was already in a rate reduction program and that 's as low as they can get it. I asked if I had any other options, we have no health insurance at the moment and my son who has XXXX still needs therapy which will be out of pocket for much of it. They said we can cancel the future automatic payments and it would be a year before I qualify again for a rate reduction. My payment was in the low XXXX 's and it would essentially quadruple. I asked if there were settlement options and they said they can possibly do a 90 % offer, so basically {$25000.00} and some change. I asked if I could counter offer and they would not accept any counter offer unless it was more than their offer, which sounds crazy to me. She wanted to know detailed information where I would be getting the money from. She could not and would not provide me any information on their settlement policy and said the company has no written policy regarding settlements and it was up to their discretion. Talked down to me saying if I ca n't make the monthly payment what makes them think I can get money for a settlement. She refused to submit an offer on my behalf. 100 % would not do it. I tried to offer an amount and she said it was too unreasonable, it was n't at least 90 % of the balance. She said sir we are a business and we are in the business to make money. Literally what she said. By far the rudest, condescending, heartless company I have ever dealt with.
We were the victims of a credit card fraud which, despite promises to the contrary, the bank has not taken any visible action to investigate or rectify. 
Here is a brief chronological description of the events. Please see attachments for a more detailed account. 
-- In XX/XX/XXXX we opened a business account at Citizens Bank in XXXX, Vt.,  for a small seasonal bed and breakfast that we operate at our home. During this initial visit to Citizens Bank offices we also arranged for credit card payment services and the lease of a credit card reading machine. 
-- In XX/XX/XXXX a prospective guest reserved rooms for an extended period of time and provided a deposit of {$1700.00} which was booked to his credit card and credited to our Citizens Bank account. 
-- In XX/XX/XXXX the prospective guest then secured a refund of the deposit from XXXX, the credit card services partner of Citizens Bank. Neither the guest nor XXXX nor Citizens Bank consulted us about the refund and we were not notified of it in a timely way. 
-- Separately, the guest communicated to us that he had changed his plans and demanded a refund of his deposit from us. Unaware that he had already received a refund, we paid him the money. We later realized we had been scammed. 
-- Citizens Bank refunded {$270.00} in fees incurred after the refund to the customer caused our account to become overdrawn, and has assured us that the matter was being investigated. But neither the bank nor XXXX has provided a progress report or any concrete indication that efforts are being made to recover money or take action against the fraudster. 
-- In XXXX the Citizens Bank branch manager in XXXX, provided a contact at XXXX. The contact was able to discuss a separate issue involving the lease of the credit card machine, but he had no knowledge of the fraud case. 
Thank you for your consideration. 

Attachments : Sequence of events previously provided to Citizens Bank. Additional documentation such as bank statements and emails available on request. 

Note : We have previously complained to the Vermont Department of Financial Regulation, which informed us on XX/XX/XXXX, that it had forwarded our complaint to the Office of the Comptroller of the Currency. We have not received an acknowledgement from the Comptroller.
Please see attached. I received a notice from the collection company. When I first called they were not very unprofessional and the operator hung up on me. I called back again and requested to speak with a supervisor. I was told to hold and they would request a supervisor. I was then put through to a voice mail and still have not received a return call. I was told that I am not allowed to request proof and if I did n't pay they would report me to the credit agencies immediately even though I never received any notification from the City about the citation. I have since filed a Motion to Vacate the citation. I have attached all of the paperwork for evidence. The operator said they will report me to the credit agencies no matter what I did. I am reporting this is the CFPB before they illegally report this account and mess up my credit. If they can validate the claim I have no issue paying but I think since I have not received anything from the City or this collection agency I have a right, before they report my account, to validate it. Please help.
My loan service provider NELNET is making mistakes in allocating my payments to my student loans, has failed to notify me of these errors, and refused to provide documentation of the error in writing when specifically requested. 

I have 2 fixed rate student loans serviced by NELNET and I noticed this month XX/XX/2018 that my payment amount was less than half to only one of my loans. This has never happened before. I called customer service at Nelnet and was told there was a loan servicing error in XX/XX/2018 ; I was told only loan group A received my payment in XXXX. I was not notified of this servicing error and asked for written explanation by email, but customer service refused. I was told that NELNET was alternating payments between the two loan groups and only half was due each month which makes no sense. The amount I pay is the same regardless of how the NELNET allocates my payment between the two loan groups and should not effect my payment amount due each month. 

It seems to me there may very well be an ongoing error which has not been fully explained to me nor fully understood by NELNET. Their inability to explain the error or provide written confirmation of the error leaves me vulnerable to penalties and fees for their mistakes. It seems that since their merger in XXXX with XXXX XXXX XXXX XXXX XXXX XXXX has led to serious internal mistakes in record keeping regarding amounts owed by individuals and performing their primary function in servicing loan repayments.
A year ago XX/XX/2016 the car was in crash was totaled. The car place in impound by choice cause the body shops would n't take the car. My grand son did n't get ticketed and the car was n't impounded. This was told to Toyota financial and Toyota guaranteed auto protection claim dept # GAP XXXX to payoff the car. However, all Toyota did give permission without me knowing to XXXX XXXX XXXX the impound to buy the car themselves from Toyota as total loss vehical. As of XX/XX/2016 the Toyota GAP has n't payoff the car. I contacted them as usual they give me round around that the recovery department has to apply for the claim. They transfer me to recovery transfer me customer service and they did n't know why I was transfer to them. I do n't know what do about it at this point. Also the car had recall do to " Accelration '' malfunction and that was accident as well they wont do anything about that either and they do n't answer the letters either. I bought this car joint with my grand son XXXX XXXX.
I had a count at walmart i paid my monthly bill on the XX/XX/XXXXl XXXX dollars and then i turned around on XX/XX/XXXX i made an extra payment of XXXX dollars to get my account down, on the XX/XX/XXXX i was told by walmart that they did not get my payment, now i received payment processing number for both now once i called my bank i found out there were some problem with my account and i guess the payments did not go through so i called and made a payment of XXXX dollars at that time i was told my account was closed and charge a XXXX dollar late fee, i tried to explain to walmart it was not my fault but they did not care the bank closed my account and i didn't know until i was on the phone with them and also they didn't receive my payment. now my account is closed and they still want me to pay late fees on top of what i owe, i do not feel walmart is right or rather the bank and i need help. And also as of XX/XX/XXXX when calling walmart about my account it stated Thank you for the payment of XXXX dollars now going by that alone you see there is a problem because that statement was said before i made another payment of XXXX dollars so what is a customer to do.Walmart is wrong and they don't care.
In violation of FCRA, the above mentioned credit report by Experian, a section of " Requests for credit history inquires shared with others '' contains name of the following companies, to which Experian disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt:1. XXXXXXXX XXXX XXXX XXXX XXXX2. XXXXXXXX XXXX XXXX XXXX XXXXExperian should explain/prove the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via public platform/for commercial purposes.