WillisBack/dataset-financial-user-claim huggingface dataset:
DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have  been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
First of all, I contacted the Honda financial services to request them to release my title XX/XX/XXXX but I did not receive the title. So I contacted them again around XX/XX/XXXX but at that time I just figured out my previous request was simply ignored and need to request that again. So I waited a lot of time but I was never getting my title back. So I contacted them again and again ( more than 10 times ) from XX/XX/XXXX to XX/XX/XXXX to receive the title and could finally receive the title. However, the time passed to much so that I was supposed to pay the late for my car registration in XXXX ( I moved from XXXX to XXXX ). So I contacted the Honda financial services to request the reimbursement of my late car registration fee and they were just fine with the reimbursement and gave me their fax number to send the receipt of my registration. So I found a store to use a fax machine to send the receipt and did that. However, I did not get any check for the reimbursement. So I tried to contact them again. They just said to me that the faxed document is not readable and gave me a different fax number. So I tried to travel again to fax the receipt. However, I did not receive the check. So I called the Honda financial services again. Then, they just requested me to stop by their local Honda dealership to use their fax machine to send the document in there. However, I do not believe that this is not the problem of sender 's fax machine because I tried XXXX different fax machines ( at a XXXX store and a local stationery store ) and the problem was in receiver 's fax machine. So I refused to do that because I did not want to waste a lot of time again to repeat the same thing again and again. So I asked them if I can email the document but they simply ignored my solution and requested me to mail the document in my neighborhood. However, I felt that I had already wasted too much time and some money to resolve this problem so I asked to take the receipt in my house by sending their representative nearby because it is their turn to help me. However, they refused my request. They are just requiring me to spend my time and money to resolve this problem but not taking my reasonable request. Now I feel too much frustrated about working on this problem. As a total, I have called them more than 20 times, which would be about 10 hours calling and waiting time. Also, I need to travel about to find and fax the document, which would be about 3 hours as a whole. Also, I need to travel to XXXX DMV a couple of times more and need to call XXXX DMV a couple of times more, which would be about 3 hours as a whole. Also, I need to pay a little money for faxing. Also, I have gotten too much stress from this matter so that I could not work on my own work and study. So I have requested them to reimburse money for all of my losses. However, they just ignored my request. Therefore, I would like you to help me to receive the compensation of all of my losses and make a legal action. Thank you so much for your help in advance.
I receive about 4 phone calls a day regarding my student loans, and how I qualify for assistance even though the deadline has passed I could still be eligible. However, I decided not to kick-the-can down the road and I refinanced through a private lender. I tell these people that call me from XXXX that I am no longer eligible for these forgiveness programs bc I now have a private loan. They say they can not remove me from the list and call me about an hour later. OR they say they will remove me and still call me an hour later.
I banked at Bank of America, and my Roommate banks at XXXX XXXX. At the beginning of the month my roommate, who also happens to be a relative, wrote me a check for her part of the rent. I did a mobile deposit that night because I live XXXX miles from a banch. 3 days later Bank of America reverses the check for no apparent reason. I called customer service and the agent assured me it was okay to try the deposit again. I verified with my roommates bank that she had the funds available. So the next day, I had my roommate write me another check for the same amount and I do another mobile deposit. The following Monday Bank of America placed a hold on the funds. I called them and they told me to call their risk department. 

During my call with the risk department I was told they were closing my account. I asked about the check, and they said they would reverse it after a week. A week passes and I called again to find out why my roommate had n't seen the funds go back into her account. At that point they said the check was still on hold, and after it had cleared they would send me a cashiers check. 

The following week was Payday, so I had to setup an account somewhere to receive my paycheck. I chose XXXX XXXX because they have a banch down the street. XXXX receives my employers Direct Deposit without any problems. A few days after payday I go into the branch to make a withdrawal because I do n't have a debit card yet. I get the cash without any problems. 

A few more days pass ( roughly 10 days since being told I will be sent a cashiers check ), I received the Bank of America check and I deposit it at XXXX. The teller accepts the check no problem. 

I go back to zions a few days later to withdraw cash because I still do n't have a debit card, and I am told after 4 hours that XXXX is closing my Account because Bank of America flagged my name on a interbank name registry as a bad customer because the check I deposited from my roommate was " bad. " I am frustrated because Bank of America allowed the check to clear and included the funds from the check in the cashiers check that they gave me. Additionally my roommates bank sent them the Money and did n't even question the check.
Experian, XXXX XXXX and XXXX are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.
I have been on IBR for a year due to my income. It was time recertification and I did not get the email in time. They debuted XXXX out of my account instead of the XXXX. I then had to call the bank to stop the payment but they couldnt and I had to file a claim. They did this twice in XXXX and again now in XXXX. 
XXXX XXXX stated theta they put a hold on my recertification application but still put in for the money to be taken out. I was unaware of the hold until I called hem today. They said they couldnt stop it from being taken out because it has to be done within 3 days of the withdrawal. This has been an inconvenience and no one is trying to rectifying the problem. I want to pay my loan back but at the rate hat I was paying it last year.
I have made XXXX different payments of XXXX to Northern Plains Funding and none of the money has been credited to my account
Navient f ormally   XXXX   XXXX  . Would not honor student loan forgiveness program for  XXXX  in  a    XXXX   XXXX   XXXX   for 5 years- {$17000.00}. Navient -did not apply extra money sent in to my principal loan amount, would not lower my payments, and would not extend my loan.
XXXX XXXX, 2016 Formal Complaint To : Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX In regards to Ditech Loan number : XXXX Property address XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern ; On XXXX XXXX, 2016 my automatic mortgage payment to Ditech was scheduled for the XXXX of each month had not been pulled from my bank account, because of this I called Ditech and was told due to a change in Ditech 's autopay system that my original autopay was cancelled and I would need to pay my bill on line and later set up a new autopay. With that in mind I made a one time payment online, however my autopay which was set for the XXXX of the prior month was not cancelled and instead ran on the first of XXXX along with the one time payment I made online. On XXXX XXXX both my husband and I received phone calls from Ditech explaining the mistake and stating they would be wiring funds back to my bank. I have not received those funds yet. On follow up phone calls to Ditech I have been told both that the funds were wired on the XXXX and they were n't able to give me any form of Federal Reference number and that their seems to be some conflicting information causing them to think the funds have not been wired to my bank. Each time the representative or supervisor states they need to send an email to the back office who processes those transactions and will get back to me. I began calls to track this down with my bank on XXXX XXXX, 2016 and began escalating to supervisors at Ditech on XXXX XXXX. I have still not received any calls regarding the location of these funds. 

As a separate complaint, on Tuesday XXXX XXXX, 2016 I was speaking to a supervisor by the name of XXXX, who I believe intentionally disconnected the phone call. I 'm highly disappointed in the service we are receiving regarding this matter, the inconsistency in the answers I receive and the fact that we still have not received these funds back. 

Today is the XXXX of XXXX, if you had not received my monthly mortgage payment by now you would have charged me {$55.00}. Will Ditech be sending me an additional {$55.00} as a late fee for holding my money? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX, UT XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX
I had a 3month arrangement set for XXXX unfortunately my brother relapsed stole the money so I called nation star now Mr.Cooper XXXX XXXX said if I pay XXXX we would not go into foreclosure I told him I would get the rest I needed from fiancee.boss n it will b in bank acct by XXXX next day he said for me to give verbal consent as they would n't take $ out right that moment., so I did he reassured me that would stop foreclosure n call in about a week to move forward a week went by the XXXXwas still in r account I called XXXX n he said it went into foreclosure anyway suddenly changed his story saying I stated to him I did n't have the $ which is a lie .so after numerous attempts we are n't eligible for a loan modifications as its no longer based on hardship n I expressed that it is n't right that I trusted there representative as I 'm learning as I go n they r saying oh well we want over XXXX even tho of course I made my brother accountable he XXXX XXXX. I am XXXX XXXX, my children ( XXXX ) father XXXX so XXXX moved back home, my fiance had to take a job @ $ XXXX a week to secure a paycheck n homes been in his family over 100 yrs. I filed a complaint today but rep XXXX XXXX told me it wo n't matter n ultimately we r going to lose r equity n home.
When applying for a mortgage back in XX/XX/2018 or something as simple as getting our gas/electricity transferred to the new home, I am told by multiple companies that I don't exist when they use the credit report company Equifax. Companies that used XXXX  and XXXX have no issues with finding me under my social security number. I contacted Equifax and was told multiple times from multiple people that I don't exist or my number pulls someone else 's name up so they can't help me. Even after I tell them XXXX  and XXXX do not have this issue. I would like this inconvenient issue fixed. Many companies have denied me service because they use Equifax to check my credit scores and it pulls up someone else 's name under my SSN.
The Company Pennsylvania Higher Education isnt managing my loan account correctly. On XX/XX/2018 I received a letter notifying to recertify for the Pay as a You Earn repayment plan. I submitted all my paperwork before the due date. I submitted my paperwork several times, the last time was on XX/XX/2018. I called to verify with them if they received my papers and the operator said that everything was okay. Later on I received a letter saying that the Repayment plan was denied. That in that month of XXXX I have to play {$1000.00}. Amount that I didnt have. I called immediately and they stopped the direct debit transaction. But the problem still is that I submitted my paperwork on time and they failed to process my application correctly. This situation is really frustrating. As a consequence of them not managing my account correctly I missed one of the payments towards the loan forgiveness program. I will really appreciate your help. I honestly dont know what else to do. I called to solve it almost daily and they dont know what they are doing. Thank you for your help! I just want to pay correctly my student loan.
Navient continues to send me emails about the payment they expect from me in XXXX. They claim that my school didn't report to the XXXX XXXX XXXX XXXX. I logged into the database and it says that I am a full-time student. Therefore, there is no reason they should be sending me emails expecting payment. Their website gives you the run around when it comes to filing forms online and contacting them by email. They say if you log in you can email them. It becomes one giant circle of going around from page to page without finding the information you are entitled to. 

They keep everything under wraps and do not inform their customers of anything. This is predatory student lending or debt collection at this point. My student status was updated on XX/XX/2019. There is NO REASON they should be asking me for payment now. But they are and I'm sick to death of their terrible customer service and harassment. If they aren't doing their job and checking the database, then that's not my issue. Something needs to be done about this. They have helped my old school to rip people off, they took my money and I got nothing in return but they still have these loans. It's bad enough I have to go back to college to try and get where I should have been in the first place.
I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies Trans Union, XXXX, and XXXX. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
After I filed a complaint against them on this website, they put on my credit report that the account is now closed, which in turn lowered my credit score by XXXX points. They did not really close my account. I have made a payment to them after this account was supposedly closed and they said nothing about it. Also, if you look on the report, they closed it under 'One Main FI ' and reopened it under 'One Main '. It is the same company. They are just doing this as a retaliation for me filing a complaint with this bureau in regards to their harassing me. My current case number for the harassment is # XXXX
American Express is running a promotion wherein spending {$50.00} with the card at XXXX XXXX XXXX gets you a {$50.00} rebate. This promotion runs twice a year, XXXX and XXXX. I participated in the promotion in XXXX, however American Express is claiming they did not receive notice of my claiming the promotion until XXXX. Because of this, they are counting last year 's credit for this semester 's promotion and are refusing to honor my current rebate of {$50.00} which I actually incurred later in XXXX.
A agency by the name of credit collection service is trying to collect a debt that I do not owe..once I looked into the agency I found out they are not allowed to do business in the state of Florida..the debt occurred in Florida and I reside in Florida..they are blatantly disregarding the fact that legally they are not to practice in the state of Florida.
XX/XX/2016, my mortgage was transfered from XXXX to Nationstar. XX/XX/2016, less than 30 days of taking ownership, Nationstar sent a notice of loan default. The XX/XX/XXXX payment was made to XXXX prior to receiving an account number from Nationstar. I have been receiving debt collection calls from Nationstar demanding a late fee as well as a payment that was made on time to XXXX.
XXXX keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not XXXX. I have been trying to contact XXXX about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but XXXX  isnt following the law.
Several time a day I am receiving phone calls from Focus Receivables Management , LLC. The phone call is an automated call that alerts me that that this is an attempt to collect a debt and to call their number, XXXX. 

I have called there number repeatedly but never get an answer. After sitting through a short automation, ( click XXXX to speak to someone ... ) The phone simply rings continuously and no one picks up. At this moment, it has been ringing for XXXX. No answer. 

The debt is not mine. It belongs to the person who previously held my current phone number. I would like to ask them to delete this number from their system to stop the consistent calling but I ca n't get through to anyone. 

It has now been ringing for XXXX seconds.
I was informed today XX/XX/18 that I have had a debt held in colllection for 5 months. Today was the first time I had heard the debt existed. I was also not informed that I had a right to dispute. As a result I have 5 months of bad credit reports. According to the company they had sent letters to me since XXXX. They were using an address from XXXX XXXX, who had the wrong box number. I never received these letters. They also said they attempted to call me in XXXX. I do not answer numbers I do not recognize as I receive a lot of telemarket calls. Today was the first time they left a voicemail. I responded immediately. I find their claim of contact very abusive. 

The debt originated from my old apartment run by XXXX XXXX. I had paid a cleaning fee before moving out of the apartment. They had said that the damage in the apartment required additional money. I requested proof as the pictures I was given looked the same as when I had left indicating that the original cleaning fee I paid had not been used. Additionallly, the water heater exploded months prior due to a contractor used by the apartment when fixing a leak that caused a majority of the damage. I sent them a letter contesting their claim. I never received anything back from them. No email, mail, or phone call. I would like the original claim removed and once again the charges on my credit score resolved.
I have two credit cards with capital one each with a paltry {$500.00} limit. As a result of my mother 's XXXX last XXXX I have had to travel frequently to where my parents resided for a week or two at a time. This forces me to pay the total balance on the credit cards multiple times per month in order to have credit for rental car/hotel reservations, travel, etc And though each card has been paid from the same bank account via ACH more than 100 times eachover the course of the year, and the bank account has been verified umpteen times, and there has NEVER been a problem of any kind with a payment,, the computer freezes the payments almost 100 % of the time, with no indication as to why, how long or any other specifics. I 'm always told " it because of suspected fraud '', and since I long realized that the suspected fraud is me paying off the cards, I feel at this point that I 'm being harassed and discriminated against as a result of prior credit issues. 

I have spoke to so many people at Capital One and wasted so much time on this issue that it just simple leaves me numb. I would like it to stop, or alternately to find an attorney willing to sue them on my behalf for discrimination and harassment.
On XX/XX/2018 I went into Bank of America to open a checking account, due to having a new job that requires direct deposit. When I attempted to open the account, XXXX of Bank of America at the XXXX location, informed me that I could not open an account due to my social security number had been used to open an account already. The only other information she had provided me with was that the birthdate used for the account was a day off of my birthdate. I have never opened an account at this bank. I have only ever had an account with XXXX XXXX, and that account has been closed for over a year.
I have recently filed disputes against common wealth financial due to incorrectly reporting accounts to all 3 credit bureaus. In doing so, common wealth has deleted the accounts then posted these accounts as if they were recent hospital Bill 's,  basically re-aging these medical accounts fraudulently. I have received notifications twice in 23 months that this company has been found to have incorrect data and be deleted only to hit my credit months later looking like a new debt and hurting my credit score and reports immediately and causing me to look irresponsible to other cerditors.
Received a letter staing i owed monies to the XXXX XXXX XXXX. Contacted the company sent over affidavit and explained this was part of identity theft. No one at National Credit could assist me once they knew i was calling in with information to dispute said errors. I have mailed the police report and affidavit. the representatives are always rude and I am always being told that I have to speak with Mr. XXXX at XXXX XXXX. I never get a call back and after my 18th call and he was unavailable. I do not want his on my credit. This is inaccurate information
Creditor 's Name : Pentagon Federal C. U. 
Creditor 's Address : XXXX XXXX  XXXX, VA XXXX Creditor 's Telephone Number : ( XXXX ) XXXX Date of the denial : XX/XX/2018 XXXX XXXX Also know as XXXX XXXX XXXX XXXX XXXX Also know as XXXX XXXX XXXX Loan amount {$160000.00} Loan number : XXXX Comparative Evidence of Disparate Treatment : Failure to explained loan procedures for the approval process. 
Mortgage protocol that is not cost effective for applicants. 
Misleading on the loan protocol process.