WillisBack/dataset-financial-user-claim huggingface dataset:
I have been l financing a vehicle from Westlake financial for 2 years now. Anytime I contact the company the representatives are always very rude and handle me very rough. For the most part I paid on my car on time until this second year where things have not been so good. They have also done things such as mislead me in regards to fees associated with my account. I asked to have a due date change to assist me with on time payments and they have refused. I have also explain times of hardship and they do not care. I have asked them if I could make partial payments to pay half of my payment each time I am paid in the same month and they refuse. They have threatened me that if I do n't recover the payments they will repossessed my car and the repossession would be 2 times more than what the payments will be. They have been very rude and has caused very stressful times for me. For instance previously I had a past due balance and originally set up ACH debit. I called to cancel the debit and a representative supposedly updated the information. I received a insufficient funds notification at my financial institution stating that Westlake tried to withdraw the funds anyway without my consent. They charged me a {$15.00} fee XXXX when they were never authorized to withdraw the funds any longer. I really hate that I 've done business with this company they treat their customers very poorly and do not deserve to be in business. They do not understand that people face hardships and are not customer friendly at all. They do not try to work out arrangements they scream at you and tell you you should have made the payment on time then. I have also tried to refinance with another company who could n't figure out why so much interest was being apply to this loan even though at the time of purchase I had a lower credit score. They have also change things such as not reporting to all agencies credit wise and have not notified the consumer. I experienced an instance where another car loan company has tried to pull my credit report and according to the agency Westlake has not been reporting payments to my credit. Overall I am very dissatisfied with their service and the way they treat people.
I discovered this derogatory account on my credit report. I have no knowledge of this account and never purchased a vehicle from this institution.
Went through a company called Mortgage Lenders of America LLC. We listened to the lady on how we were going to set a plan to fix the credit score. So we paid off all our debt. First mistake in which she admitted to was that she ran my credit too many times and without authorization. Final result in my family losing the house we wanted and right before XXXX. I tried calling multiple times as did my realator and this company will not return any calls.
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623
My home equity loan was sold by XXXX XXXXXXXX XXXX to Rushmore loan  management services in XXXX, CA. in XXXX of this year. On their first billing Rushmore billed me {$50.00} each for annual fees for the years XXXX and XXXX. I told them that these fees had been paid to XXXX XXXX on a timely basis. They asked me to show proof. The only proof I have is that I was not dunned by the bank for. this payment. I told them repeatedly to talk w/XXXX   XXXX on this matter. Surely they have proof since these payments were drafted from my checking acct along w/my monthly payments. They apparently have not talked to XXXX XXXX. I have made my first payment to Rushmore, including the {$100.00} in dispute for fear that not doing so would harm my credit rating. I would like this amount to be refunded. It appears to me that the subject of fees was overlooked by the parties in the negotiations concerning the sale of the mortgages.It is my position that XXXX XXXX collected the fees ; how they processed them, or applied them is their business, and not mine. My sole obligation was to p [ ay the fees, which I did. 
Acct. # XXXX XXXX and XXXX XXXX
In a recent dispute, Experian stated the recent balance was updated to {$6400.00}. They also verified that the information you are reporting was verified. How is this possible? 
They are allowing this company to furnish an incorrect balance. The balance needs to show {$0.00} because this account was paid in full by the asset protection insurance attached to it. Please correct to {$0.00} or delete this account immediately. 
This is a false and misleading tactic used by the creditor and is it illegal.
I settled a debt with Bank of America/XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.
Approximately two years ago I received a phone call from a representative of XXXX inviting me to switch back to their service. I informed the representative that I like XXXX but I would be moving to a house that is wired for XXXX. I asked if they bundled with XXXX because I did not want to enter a contract that I would not be able to fulfill. My intention was to stay with their service as part of a bundle once I had moved. I was informed more than once and reassured That it was not a problem. When I got to the new house, I told XXXX that I wanted to have XXXX as my television service. I was informed that I would need to do this separately because it could not be included with the XXXX   service. I contacted XXXX to tell them that I would not be able to continue their service. I reminded the person who answered for the company that I had been told that there would be no penalty if I could not continue. 
There has apparently been no effort by the company to listen to the original cold call that I received from their employee Instead they have continued to harass me and insist that I give them almost {$300.00}. This amount was changed to just under {$200.00} today by a credit company that was hired by XXXX to collect a debt. The representative of the credit company told me that I would have no further problems with this debt if I paid that amount today. Even though it felt like extortion, in order to keep my credit Report good, I offered to give them {$100.00} as charity. I was told that there was no possibility of negotiating even one penny below the amount they were able to offer me. They said they were only trying to help me. I can not for the life of me understand how they were helping me unless it was a veiled threat to damage my credit. I always paid my bills to XXXX. This amount they are looking for is not connected in anyway to any service they were providing me. Please have XXXX stop this harassement. If the company insists on an amount for them to stop, I have a offered {$100.00}. It is substantially more than I should be giving a corporation from my retirement income.
I would like to lodge a complaint against Synchrony bank. They are reporting a wrong and fraudulent information to credit bureau agencies. Since, XXXX XXXX, I have been in contact with this bank who promised that this information will be deleted. However, when I received my credit information, they put a negative {$300.00} from XXXX account to my credit report. I notified them that my car was broken into and all of my personal and SS number was stolen back in XXXX. I kept sending correspondence to this bank that this account was charged fraudulently and it should be removed. To to their omission, my refinancing loan is not going forward and I am paying a higher interest until this issue is resolved.
On XXXX-XXXX-18 and XXXX-XXXX-18 XXXX and XXXX accepted and added a fraudulent debt to my credit file from a company called XXXX XXXX XXXX. This debt of {$1100.00} does not belong to me in any way shape or form and XXXX  and XXXX should not have allowed this to take place.
I opened an XXXX XXXX credit care for a wash machine. I did research and returned to get the correct washer energy efficient. I was not credited correct. The appliance never shipped. I was told I could not get the proper washer my credit was tied up even though I never received the wrong washer it was cancelled. Citibank N.A. has refused to speak with me and said they can not identify me. I spent two hours at the store this morning. 
I have not slept. I was in tears and Citibank N.A. refused to help me. XXXX XXXX claims they are working with IT to fix the XXXX credit the shorted me to wipe out the cancelled order. I was told the items ship on Tuesday now I have to cancel M.D.  appointments. I have spent all day and night online researching this. I ask the store to call Citibank N.A. back that I was ill and can not keep returning and doing this. I was told to pay XXXX in cent I beleive which I did with ATM card. When I got home I went over the details again and called the store manager and complained that the total first order cancelled was XXXX and only credited XXXX I have suffered severe hardship and this is extremely upsetting. It took me a year to find this place due to ca. housing crises. I have to move from where I lived 18 years in 2014 ill and the place for 3 years did not work out. Like I said it took a year to find this place. I need to rest and get this resolved not treated awful to the point in tears. I do not beleive it is a deliver issues now Citibank later said it take 3 business days to clear up. They gave me the credit card. I can not keep comming back to the home depot. I have medical issues and this is awful mistreatment.
When I graduated from XXXX XXXX inXX/XX/XXXX with a XXXX XXXX XXXX Degree, I as advised by my loan servicer ( not sure if it was Navient at the time ), I did not have to repay loans because I was still a student. At this time, I enrolled in and was accepted into a graduate program at XXXX XXXX. No customer service representative ever offered any advice on repaying the loan, loan forgiveness or interest accruing as the result of non-payment. At this time, my outstanding loan balance was approximately 10-12k.

Upon graduating with a XXXX Degree from XXXX XXXX in XX/XX/XXXX, I began paying student loans with standard repayment plan of approximately $ 200-225 per month. At this time, by outstanding balance and repayment amount stood around 40k ( 10-12 for undergraduate, XXXX for graduate tuition and the remaining in interest ).

After approximately two years of payments, I suffered a financial difficulty and began paying sporadically, but bringing my account current when I could make the past due amounts. I was contacted by Navient and offered forbearance, which eliminated my payments on a year-to-year basis, provided I reapplied every summer with my tax return. Each year, a customer service representative informed me I qualified for a XXXX-dollar repayment plan. No customer service representative ever offered a low-dollar income-based repayment plan. My profession at the time involved XXXX XXXX where I later found out paying consistently for ten years, at my original payment ( 200-225 per month ) would have eliminated my remaining loan balance. Therefore, paying {$200.00} per month for ten years, would have paid back close to 24k of the loan.

As of today, XX/XX/XXXX, .my outstanding student loan balance repayment is {$67000.00}. My current minimum balance due sits at {$640.00}. My account sat in forbearance until XX/XX/XXXX, when I started making minimum payments once again to Navient. When I began making minimum payments in XX/XX/XXXX my outstanding loan sat at around {$68000.00}. To date, I made six payments totaling {$3900.00}, to reduce my loan balance less than {$1000.00}. I pay on four different loans, two subsidized and two unsubsidized.

Due to Navients predatory lending practices, I am less marketable as a consumer because my credit score is affected by my inability to pay at certain times, when best customer service practice suggests I should have been steered towards loan forgiveness based upon my employment in XXXX XXXX. Had Navient followed proper channels, I would be year nine of ten in my loan forgiveness program. Second, I recently attempted to refinance my home but was denied citing specifically my outstanding student loans destroyed my debit to income ratio. Therefore, due to Navients negligence, I can not position myself as a consumer and single-father of XXXX  boys to most cost-effectively provide for my family.
Summit Financial is continuously reporting I owe $ XXXX in debt for a car I never had in my possession at all. XXXX XXXX is the owner of this car he has used my name in Texas I even have a Texas address listed on my credit report I have been trying for over 5 years to get this debt erased and I am sure the statue of limitation has passed please help me get this debt removed. I have disputed this debt yet every month it keeps reporting as delinquent hurting my credit score. I am a XXXX XXXX at this point and I just want all of the harassment and embarrassment from this debt collector to stop.
On XX/XX/XXXX, I executed a HAMP modification to the original mortgage which increased the principal balance from {$230000.00} to {$270000.00}, a difference of {$41000.00}. Based on simple interest calculation of the principal balance pursuant to the terms of the promissory note - including provisions for escrow - only {$21000.00} of the {>= $1,000,000} increase was necessitated to bring the escrow and the loan interest accrual back into good standing. We have yet to receive any indication of who at Chase received the {$19000.00} or how it was applied, only that it increased the principal balance. With a principal balance that was inflated due to the {$19000.00} unsubstantiated increase to the principal balance effective XX/XX/XXXX ( the effective date of the HAMP modification ), borrower overpaid interest through XX/XX/XXXX. On XX/XX/XXXX ( effective date of the XXXX transaction ), XXXX XXXX closed a XXXX deferred loan for an amount totaling {$42000.00}, of which {$4800.00} went to bring interest current on the correct principal balance and {$15000.00} was applied to PITI monthly payments of {$1700.00} over the period XX/XX/XXXX to XX/XX/XXXX. Had the proceeds been correctly applied, {$17000.00} would have been applied to principal on a principal balance of {$240000.00} or those funds would have been available to make PITI payments using XXXX XXXX funds to XX/XX/XXXX ( vs. the end date of these payments on XX/XX/XXXX ). During XX/XX/XXXX, based on the erroneous internal accounting, XXXX initiated foreclosure. Borrower was charged legal fees and late fees which should not have been charged due to the incorrect representation of the balance due and other amounts due. Borrower in XX/XX/XXXX reached an arrangement with Chase to allow her to deploy approximately {$4000.00} she had borrowed from a family member to complete replacement of her roof. She had already expended {$5000.00} for this purpose and needed to spend the additional {$4000.00} to finish the roof. Chase agreed to allow her to do this inclusive of a 90-day payment moratorium, as they desired these improvements be made to the loan collateral. When the servicing rights were transferred to XXXX from Chase in XX/XX/XXXX, XXXX 's representatives in XX/XX/XXXX refused to acknowledge the payment moratorium and thus the dispute between borrower and XXXX, as it related to the balances due in principal, interest, escrow and the payment moratorium, began in XX/XX/XXXX.
I have filed a complaint before on XXXX XXXX XXXX and submitted a cease and desist of phone calls to my work and cell phone. They continue to call and harrass me. I also have all of the saved voicemails where they continue to ignore the required cease and desist.
I filed chapter  XXXX , in   XX/XX/XXXX , w as having my payments auto deducted from my payroll due to lawyer mishap my case was dismissed and refiled i n  XX/XX/XXXX  an d once again due to lawyer issues my case was refiled in   XX/XX/XXXX . I have  asked the  3rd party carrier to v erify info and update due to I should not sho w 4 bk 's. I sh ould show accurately  of 2 BK 's the case for  XX/XX/XXXX  and  XX/XX/XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or went to a wrong address.
We are only 3 years away from paying off the mortgage on our lifelong home. We 've had financial difficulties due to XXXX XXXX and medical problems, leading to unemployment for one of the two homeowners. We fell behind with mortgage payments and contacted Wells Fargo to ask about options for keeping our home. They only offered one option, which was to apply for a loan modification. I doubted we would be approved, but we submitted an application. Not only did they turn us down, but they also created an escrow account without our consent and increased our monthly payment by {$800.00}. Since missing a payment last spring, we had faithfully made a payment every four weeks from XX/XX/XXXX through XX/XX/XXXX. Starting in XX/XX/XXXX, the payment website will only accept the new amount, which we are unable to pay. I called Wells Fargo today ( XXXX XXXX, 2017 ) and requested a reasonable repayment plan for the two missed payments. I was told that they can not do this because our hardship still exists. Yet they are trying to force us to come up with an extra {$800.00} a month. This does not make sense! We want to keep our home and make continuous progress in bringing our mortgage up to date. We need Wells Fargo to accept a smaller monthly payment increase.
XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   N.J.  XXXX  Experian  Attn :   Complaint Department   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   (  XX/XX/XXXX  )  XXXX   (   XX/XX/XXXX  ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.   Sincerely,   XXXX   XXXX
I have disputed XXXX accounts with Equifax for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Equifax has not removed these XXXX accounts for XXXX, XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against Equifax and the XXXX creditors in court. I am trying to avoid that as I am XXXX.
I have called Experian 3 times today is impossible to speak a live agent Company has 4 options non of them applies to my question On the company contact is no customer service email for contact or contact form for my request My request to Experian, is the following I want to know about a credit card that is affecting me and need proof of credit card.

Please get back to me soon as I need this information withing 7 business days from Experian via email Thank you
On XX/XX/XXXX, an unauthorized and/or fraudulent credit hard inquiry was listed by TransUnion as made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. On or about XX/XX/XXXX, I DID NOT apply for any type of credit with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I never received any sort of communication from this creditor ( approval letter and/or denial letter ). This is an unauthorized and/or fraudulent inquiry and therefore this inquiry must be deleted immediately. Every attempt was made directly with this creditor to get this inquiry deleted from their system as well as from the credit bureau. Therefore, TransUnion must now process this complaint INTERNALLY and IMMEDIATELY and then DELETE this unauthorized and fraudulent inquiry IMMEDIATELY.