WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX I entered into a lease contract for an Audi XXXX with Audi Financial services. The contract stipulated a monthly payment of {$660.00}. After several months the monthly payment began to vary ranging from {$670.00} to {$660.00} a month. I ignored this until XXXX, XXXX when I reviewed the monthly statement. I then saw that I was being charged a late payment fee of {$6.00}. No payment has ever been late. Late fees were also included in the two previous months. I called Audi Financial on XXXX/XXXX/XXXX and was told the late fee was a system problem with their accounting system and it would be corrected and my payment adjusted. I was also informed that my new payment amount going forward was to be {$670.00}. I was also assured that Audi Financial had not recorded my payments as late. 

On XXXX/XXXX/XXXX I logged on to my Audi account and observed the following. The amount due for the XXXX payment prominently displayed on my home page was {$660.00} with no indication of a late fee. The amount due on the monthly statement however appeared as {$670.00} including the late fee charge. In a series of email exchanges with XXXXudi Financial I  attempted to get clarification as to the actual payment amount due for the XXXX payment. At this point four different payments were possible : original contracted amount of {$660.00} amount stated by customer assistance of {$670.00} amount shown on my Audi home page of {$660.00} amount shown on monthly statement of {$670.00} The last response from Audi Financial regarding this confusing state of affairs was " We appreciate your feedback and apologize we are unable to meet your needs. '' Although the actual dollar discrepancies are small I do not think it unreasonable for the financial company to provide me with consistent information regarding monthly payments. I am also concerned that my statements have included a late fee assessment for at least three months even though all payments have been made on time.
On XXXX XXXX, 2015, USAA illegally closed all three of my credit card account with balance on them. They have never been late and always paid on time. They say it was my unacceptable behavior or activity with none of this occurred. Now my credit score is low because of this problem. I never had problem with the bank.Credit score damageCard cancellations can impact your credit score
i recieve a call from the company First Consumer telling me about how to continue paying my studentloans at a much low payments. A representative of the company XXXX XXXX XXXX told me about the law XXXX XXXX XXXX, and if I pay 1 payment of {$180.00}, and 3 paymentes of {$130.00} i was going to be on track with the company that is going to take my loans, and my payments are going to be {$18.00} monthly, that i was going to get another follow of my status on XX/XX/XXXX, and with the help of the new law of forgiveness and my payments XX/XX/XXXX i was going to obtain a forgiveness of my debts. They ask for several documents like my taxes, slips of the payments from my work, and my banking account numer and route, beacuse the only way wa going to be with an account. i ask several times that the {$600.00} were are going, and they told me that is going to go direct to my loans. The first debit of my acount was made i star confronting problems getting in contact with the company, i call the several numbers that they have, and there was no answer or they didnt respond the messages that i leave in their machines. I start doubting the company when i only talk with XXXX XXXX and a lady with the name XXXX XXXX, no one else answer the phones. One time they give me a numer of XXXX XXXX, and he told me that he do not understand why the company that have my loans have not calle me, he told me to wait until XX/XX/XXXX, then he was going to call me to check, but he didnt call. i star calling again, he only send me an email. In the meantime i call the Deparment of Education and they told that i have to be carefull with these companies. Then XX/XX/XXXX the company XXXX call me and told me that i was late in my payments with them, i talk with their representatives telling them that i do not know who they are. They explain to me that they have my account, i ask them if they work with First Consumer and they told me they dont know anything about that company, i ask if they receive my information through them and they say again no, i ask if they have heard about the law XXXX XXXX XXXX they told me not. Then the representative star talking about sending me papers, and talking about my finance condition, and put a stop until XX/XX/XXXX so give them the oportunities of getting the papers they need from me, and that i do not need to do any payments until XX/XX/XXXX. i was not receiving the papers from them i call again and talk with a representative that change my adress, and give me this link because she says most of these companies are not helping people. First consumer was suposse to do the last debit on XX/XX/XXXX, but they do another on XX/XX/XXXX. I am afraid that they are going to take money of my account, and have not do nothing, only a fraud.
i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization
On XX/XX/2015, I wrote an email letter to XXXX XXXX, Bayview Loan Servicing , LLC that I wanted to sale my house because I was unable to meet with my monthly mortgage payments. Unfortunately, XXXX XXXX never responded back to me. My HARP was denied and since I was XXXX retired, my income had been reduced XXXX % prior to my retirement. During that time, I made XXXX of the payments each month in the amount of {$500.00}. Bayview Loan Servicing accepted and continued to receive monthly payments and charged me late fee and penalty. I stopped my monthly payments in XXXX of 2015 because Bayview Loan Servicing threatened me to foreclose my house. Instead, I made a " good faith '' and attempted to negotiate with them ; and yet, they refused to communicate with me. I wanted to sale my house but with a conditional, so that I can payoff my mortgage principal and I can keep the remaining amount of money. By doing that, both parties will be satisfied. The communication has broken down between myself and Bayview Loan Servicing , LLC . 

I do n't know who is my note holder/holders and I want to communicate with my note holder/holders, so that I can communicate directly. Bayview Loan Servicing can not makes that kind of important decision. If I can request you to find out who is my mortgage note holder/holders and with the complete contact information. The information as followed:1. Mortgage company/companies name. 
2. Mortgage company/companies complete address3. Point of Contact ( POC ) 4. Account NumberXXXX. POC 's Phone Number
XXXX at New Era Asset Management calls me with back to back calls while I am at work. He is aware I work in a XXXX XXXX for a XXXX XXXX XXXX XXXX. He continues to call and does so without leaving any gap. He also called the main call line and informed a coworker they needed to speak with me. That is strictly against the rules and is common knowledge that you can not take personal calls in a XXXX XXXX. I was approached by management for the infraction and advised I can not let it happen again. This is unacceptable behavior that needs to end. I have been forced to turn my phone to silent and lock it away so if I have an emergency I will not know until I have a break.
I am disputing the estimate for 2015 property taxes from Ally Financial on a leased vehicle. I have contacted the XXXX XXXX XXXX MO tax office and they do not agree with the 2015 estimate that Ally has provided me. Additionally, these funds have not been paid yet by Ally to XXXX XXXX XXXX. So not only is Ally attempting to collect an incorrect estimate, they are attempting to collect a debt that they have not incurred on their end and they are not contractually allowed to collect. I have disputed this in writing, yet they continue to call my cell and office number.
I received a letter from this company stating they are going to suspend my license for non-payment and I have been paying on this account for years.
On XX/XX/19 the collection agency ( XXXX XXXX XXXX PH : XXXX ) contacted both of my daughters and the general manager at my place of employment XXXX XXXX who is in senior management at my place of employment contacted me to tell me he received a call. This puts my job in jeopardy and is extremely embarrassing. 

I contacted the collection agency on XX/XX/19 and talked to XXXX. He told me the original company was filing a judgement againast me for {$2200.00}. However, if I paid {$510.00} that it would be free. They refused to send anything in writing first. I was transferred to someone else and was told they do not send anything in writing but I would get a payoff after payment was made. I do not believe this. THEY NEED TO QUIT CALLING MY FAMILY AND MY PLACE OF EMPLOYMENT.
The  XXXX   XXXX  settlement case. Turned in my car on   XX/XX/XXXX ,   promised that Chase would  pay $ 12,000+.  It is now   XX/XX/XXXX ,  my  XXXX  settlement account is blocked and I was told that Chase would call. They never did.
A creditor must be reporting my current address as the house I lived at over a year ago. Each time that previous address gets updated, I have to file a dispute with Transunion to get them to change it back to my correct address. I contacted Transunion initially in XXXX to simply ask them who the creditor was, so that I could get that creditor to update the info. They told me they did not know who it was. Given the plethora of electronic information available, I believe that they simply are not interested in going through the process to find me the answer. When they told me they did n't know, I asked for a supervisor, who sent me a letter dated XXXX/XXXX/16 that he told me would have the info I needed. It did not-and I 'm sure he knew it before he sent it. After the issue happening again more than once in the last week or XXXX, I called again today, XXXX/XXXX/16. I was given the same answers, except this time I asked for the supervisor 's supervisor, who is located in the US. Not surprisingly, they disconnected the call before I talked to anyone in the US. Hence, I am turning to you for help.
This is my XXXX complaint against Chase with regard to a repayment plan dated XXXX/XXXX/XXXX the first complaint case number was XXXX. The main point of that complaint was that the agreement stated that at completion of the repayment plan my payment going forward would be {$330.00}. However Chase started sending me notices that I was behind in my payment and were furnishing negative information to the consumer credit agencies. As the attached response from Chase to the complaint states they agreed with me that the payments would be {$330.00} and would contact the credit bureaus to amend the reporting. However now for some reason I am getting multiple phone calls and letters again about being past due on the account, threatening foreclosure, and again falsely reporting negative information to the bureaus. All of this is having a very negative impact on me both emotionally and financially. I received a letter from the Chase XXXX XXXX dated XXXX/XXXX/XXXX that basically states that they feel it was a misunderstanding that the original agreement made mention that my ongoing payments would be {$330.00} this is ridiculous and very unprofessional. They gave some erroneous explanation about interest rate changes that affected the payment but again no correspondence before ever addressed this potential change and I have attached XXXX recent letters from showing the received payments that contradicts what this is saying ( also attached are correspondence from from Chase giving contradictory amounts of supposed past due amounts ). It seems every time a payment is received it triggers a harassing call and additional letters, this is very frustrating and I want it to stop. I have completed the repayment completely as agreed and have never been late on the agreed to ongoing payment of {$330.00}.
Wells Fargo appears to have been reporting timely payments on my student loan as delinquent. It is unclear when they began doing this. They provided me a series of cryptic letters about a mistake in my account. It took me a significant amount of time and trouble to get WF to admit finally that it had been reporting the loan incorrectly. It also appears that WF assessed late fees. It also appears that WF deleted documentation relating to my credit history.
I 've called and started investigations on numerous occasions to have inaccurate inquiries on my report removed.  Company  still has n't removed inaccurate inquiries from my file.
Since XXXX XXXX, I was in an active modification review with XXXX. As of XXXX/XXXX/XXXX, XXXX had a full package with the underwriting team and prior to that we were informed that the loan would be transferred to Shellpoint on XXXX/XXXX/XXXX. Prior to the transfer from XXXX, XXXX assured that I had a full package which meant that the sale date would postpone and that Shellpoint would take on the file just as it left. After speaking to XXXX in XXXX, they stated it would take time for the documents to be reviewed and only on XXXX XXXX, XXXX were we told that ALL documents had to be in on their forms. We provided Shellpoint all new documents with corresponding proof only to be told on XXXX XXXX, XXXX that more docs were needed. I provided all documents and today I was told tht my income of {$10000.00} does not qualify for HAMP?! HAMP is not even an approved program then the point of contact said I do not qualify for any programs, so I mentioned will I receive a DENIAL letter so I can appeal the decision and he stated NO. This is classic example of dual tracking how cn this servicer take a file from another servicer as a full package then take 4 weeks to review and just on the eve of the sale state I dont qualify for any programs including a NON-EXISTENT program like HAMP? Please help I have over XXXX equity in my home and they are not playing fair I have complied with all that was requested of me
I settled an old incorrect debt I had with XXXX XXXX XXXX on XXXX, per attached letter from XXXX. I called Enhanced Recovery Company several times and they literally made fun of my plea to close the account and not to send it to the credit reporting agencies. There are over XXXX complaints on this site about ERC and wonder when will the government put an end to their totally illegal and aggressive debt collection practices.
The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  Khol 's to  pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is stated as F P ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced by  credit score  by  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason   XXXX    took such action was because I express dissatisfaction with how   XXXX   was handing my credit investigation wit h Khol 's. T he  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment
In XXXX 2015 I advised PNC that I was changing banks and that I wanted accounts and CC processing services closed. In XXXX I received a letter demanding payment for {$210.00} in service charges. I contacted a PNC representative and we agreed to a final payment of {$120.00}. That payment was immediately sent and PNC cashed the check within the week. Today I received another terse letter demanding {$39.00} or the will damage my credit report.
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXXhere are the accounts that are fraudulent Account 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
VEHICLE LOAN established in XXXX XXXX with ( Wells Fargo Dealer Services ) XXXX, XXXX XXXX, CA XXXX ( an affiliate and/or subsidiary of Wells Fargo Financial System. ) The loan amount ( financed ) {$9800.00} -- XXXX Vehicle. Wells Fargo Dealer Services installment contract with consumer ( XXXX XXXX XXXX ) as of XXXX XXXX, XXXX. 
-- - The loan balance as of XXXX XXXX, XXXX ; per customer services records reflects a loan balance of $ XXXX. A statement dated XXXX XXXX, XXXX -- reflects a loan balance of {$9900.00}. Consumer only verifies at most {$300.00} has been applied to the loan in payments as of this date. 
Wells Fargo Dealer Services is n't transparent with the loan credits, debits, additional charges, assessment fees, late charges and simple interest compounded on a daily basis. 
Numerous times ; consumer has requested a transparent / clear record of hidden fees, late charges and assessments added to this loan. Wells Fargo Dealer Services ; continues to compound ( daily ) accrued simple interest and does n't lower the balance. 
Consumer has remitted to Wells Fargo Dealer Services : @ {$2200.00} in monthly payments, {$400.00} in assessed fees, $ XXXX+ late fees, XX/XX/XXXX ; consumer remitted to Wells Fargo Dealer Services loan payments + fees in the amount of {$910.00} ( single month ). 
Consumer does n't agree with Wells Fargo Dealer Services accounting and/or loan balance figures ; Wells Fargo Dealer Services ; has n't provided a ( detailed history of transactions ) to this date. 
In addition, Wells Fargo Dealer Services, compounds late fees with every transaction ; if missed payment, returned item late and additional fees, re-set to loan date fees, deferment fees, without notification and/or advisement. 
Consumer contends Wells Fargo Dealer Services is being deceptive to this consumer.
Northeast Credit Collect listed pase ID Theft accounts on my credit files, They 've split one bill into XXXX and made XXXX separate entries on my credit report. I 've spoken to the original creditor of the XXXX debt, they told me the account should be listed as one account and that they will never sell the debt and that should contact XXXX is in charge of collecting the debt. Since that 's the case it means XXXX gave permission to Northwest Collections & Credit who account no. XXXX from XXXX XXXX XXXX on place on my credit file on XXXX XXXX. XXXX other companies also reported the accounts in the same 30 day period are - & gt ; XXXX/XXXX/2015 XXXX, XXXX/XXXX/2015 Commonwealth Financial, XXXX/XXXX/2015 North East Credit & Collect..Theres no way all XXXX companies can have the legal right to pursue collections at the same time. Also North East Credit & Collect is violating Hippa by listing it as a debt from XXXX XXXX XXXX. They also listed the XXXX debt as XXXX accounts, The original creditor told me it should be ONLY XXXX account, meaning North East Credit & Collect maliciously reported one debt multiple times to do as much damage to my scores as possible.. 
XXXX has been notified it was from ID Theft
They told me that I could not receive my date of service so that I could verify that the debt has not been paid. They then said they could request it, but only if I paid the full amount.
I normally pay my XXXX  XXXX XXXX online through my Bank. In XX/XX/XXXX, XXXX  sent me an email to sign up for their new app and make my payment through the app. I decided to start this process as I feel that it is always a good thing to have a back up payment option. I set up the payment to come out of my XXXX XXXX Account. I received a confirmation from XXXX  XXXX that my payment was scheduled and I had a Confirmation Number. The payment date was XX/XX/XXXX and my payment was technically only due on XX/XX/XXXX. On XX/XX/XXXX I received a new statement alert from XXXX indicating that I was past due and that they assessed me a {$28.00} fee for a returned e-payment. I contacted XXXX and they informed me that the payment that I had initiated for XX/XX/XXXX was returned because there was incorrect bank information for them to process the payment. I asked them to review the account information they had on file and they stated they could not. When I tried to review it on their website I could only see that last 4 digits of the account number which appeared correct. I did not receive any notification that there was any type of processing error. I requested a refund of the {$28.00} as they could not verify what information was in their system and they did not contact me in a timely manner. They refused. I do not believe the account information was incorrect, but that their system was unable to process the payment and I got charged for their error.
Equifax has persisted in reporting incorrect and/or incomplete information : XXXX, which was reinstated, has no date assigned for deletion. 

Please note that I am not asking them to verify if the account is mine. I never did, yet they insist on including that fact in their responses. This account IS mine ; however, the date of deletion should be indicated, especially since it 's due to come off in XX/XX/2017.
I received a call at XXXX from Bank of America a voicemail was left about my account being locked and I am not a Bank of America customer.
a patient of 1 of the doctors who was charged in the nationwide XXXX XXXX sting in XXXX of this year all my dealings with this office was paid by medicare but has been turned over to the GLA collection inc. in XXXX ky XXXX have tried to have it removed they say it meets fcra guideline this is part of the false billing this office was charged with
I have had accounts opened in my name fraudulently. It has been ove r six  months, and this company and collection agency have done nothing to help or communicate. The collection agency on my report says  XXXX ,  XXXX , AND  XXXX  but the address is wrong because mail gets returned. When I  XXXX  them, there is an entirely diffent name listed on the their website. Says  XXXX ,  XXXX , and  XXXX . There is no way Equifax has verified accuracy with a company listed as  XXXX  name and then double reported as another amount, but I know they keep items on consumers credit reports because the collection agency pays them too. Why else would n't this clearly not just fraudulent but inaccurate credit item not have been deleted yet?? Look at my evidence uploaded and your see same amount, but differnt account numbers and its double reported. I 'm hoping to get this resolved so I can move on with my life.     Thank you,
I have a car loan with XXXX  XXXX. The payments were set to auto pay XX/XX/2016 - until. After 18 months it stopped without my knowledge. XXXX failed to notify me by mail or phone and repossessed my vehicle. I paid late payments the very next day when I was finally notified after the repossession. I explained to them of their mistake ( WHICH THEY FAIL TO ADMIT ) and they still reported it to credit bureau and ruined 20 plus years of good credit. When trying to resolve with staff including supervisors some were extremely rude and not willing to resolve the issue. One even admitted they understand my point but still was unable to resolve. After filing complaint they continue to report this to credit bureaus. This is MAJOR BULLYING on their part as I only have a few resources to go up against them.
I have not applied for a credit card of Capital One. I checked my credit report and noticed that someone had open an account under my name. I am not aware how this happened. I disputed the credit card account and it is under investigation and the issue has not been resolved.