WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained what I thought was a 72 month loan in XX/XX/XXXX, it turned out to actually be a 72 month lease or as the company, AutoTrakk terms it " prepaid transportation ''. When I " purchased '' the vehicle from the dealership I was not made aware that it was a lease and that I was not purchasing it. Even when signing documents that was not made clear and I do not recall reading this anywhere in the documentation. I am aware that this is not necessarily the fault of AutoTrakk but the dealership. When I got the car I was told that I could trade the car after 2 years, which is what they promote through financing with AutoTrakk. I attempted to trade in the vehicle and as soon as I said it was through AutoTrakk the salesman said, " oh, you wo n't be able to trade that, you 're going to be way to upside down, no one can ever trade those unless you are putting at least {$3000.00} down. '' I went to 5 dealerships, all of them the same, my car was valued at around $ XXXX and I owed over $ XXXX. I have made 175 payments to AutoTrakk in the amount of {$100.00} each totaling almost $ XXXX and maintained full coverage insurance on the vehicle at all times as required. XX/XX/XXXX the vehicle was involved in an accident and it was totaled. My insurance company paid AutoTrakk {$6900.00} for the value of the car, my payoff was {$10000.00}. My account has Gap coverage to cover the difference of what I owe and what the insurance values my car. Between what I 've paid and my insurance has paid, AutoTrakk has received appx. {$24000.00} for a vehicle that was {$14000.00}. They have sent me a letter saying " The amount owed on your account is {$3100.00} which could include the deductible, prior damage, excessive mileage or repossession fees. '' I would like to note that they state it " could include '' with no details, no description of what I am being charged for at all. They 've also given me no details as to what amount the gap insurance has paid. I believe that what they are doing is wrong and possibly illegal. They have an obligation to include details of charges before demanding payment and threatening to send a debt to a collection agency and negatively affecting my credit.
I have a mortgage with CitiFinancial, based out of XXXX, NC. I went on line to make my payment of {$530.00} on XXXX XXXX. They deducted {$530.00} on the XXXX and again {$530.00} on the XXXX. This overdrew my bank account so I also accrued overdraft charges. My husband and I are retired so this money was needed to pay other bills. I called the XXXX time on XXXX XXXX and was told I would receive a refund in XXXX days. ( Probably would not take that long ). I called again on XXXX XXXX and was told again it would take 7-10 days by a not so nice person. I called again today and no one will help. They send me to voicemail and no one will return the call. Now its time for another payment which they can use the money for, but I am really disgusted with the treatment. They took money from my account which they did not have permission to, forced my husband and I to live on an overdrawn bank account for XXXX weeks and they no accountability.
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

XXXX XXXX XXXX
It 's unscrupulous and dishonest : Bank of America emails me a credit card statement on XXXX XXXX, 2015 for the previous billing period. I schedule a transfer for XXXX XXXX, 2015 for an amount of {$25.00}, taking care of the minimum payment of {$25.00}. The transaction is posted under both my bank/checking account and my credit card account on XXXX XXXX, 2015 ... .The next statement date comes and I receive a statement, on XXXX XXXX, 2015, saying I am past due. I call Bank of America, XXXX, and get a very terrible, lackluster response : " timing is everything ... '' and they say that 'the payment was made on XXXX XXXX, 2015 so this counted towards the period before and not the period in question. ' However, as I stated, online you can select the transactions on a drop-down menu to show what took place in what period ... The payment of {$25.00} is clearly placed in the XXXX period and it is dated as XXXX XXXX, 2015. The fact of the matter, now, is that I 'm not too intrigued by Bank of America 's questionable reporting practices and their clear lack of a good -- not necessarily favorable -- but good response to the matter ( XXXX that makes sense ). At this point, yes I would like it resolved, but honestly, I would really like this matter to be looked into further for fines and penalties from regulatory agencies : I receive their bill on XXXX XXXX, 2015 and pay on XXXX XXXX ( or even on the XXXX somehow like they state ), and get punished for doing so. There is a clear discord among their system that is tremendously unfair and misleading to their customers.
What I want to know is how can XXXX bank take over another XXXX and take the customer accounts without the option to opt out. This has happened to me twice. The second time Bank of America sold off my branch, so I fought to stay with them ( automatic deposits, linked accounts etc. ). I am not a commodity/product. They have completely lost sight of the fact that we are customers.
I keep getting calls from my mortgage holder Freedom Mortgage. They call my phone as well as my wifes phone several times a day. And sometimes Im Sunday. 

I want them to stop.
My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . T he loan was through  XXXX   XXXX . In   XX/XX/XXXX  our  daughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the majo r Credit rep orting agencies resulting in our credit score falling from the  XXXX    XXXX   to the  XXXX   XXXX . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departme nt (   XXXX   XXXX   XXXX   ) a nd were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Va  XXXX
I am receiving threatening phone calls from a XXXX Number, XXXX, stating that i owe money for a default pay day loan from XX/XX/XXXX. Check N Go is the company. The man, who has a bad XXXX accent, stated if i did not pay immediately i would be arrested and charged with XXXX different things. I asked for a verification of debt letter which is what Check N Go collections told me to do, he refused and got angry. Told me i had to pay at a XXXX XXXX store which i found odd. I asked why i have never received anything prior to this in almost 6 years and he said they sent me 2 letters but no one was there to receive it. Wouldnt they leave a note saying a certified letter was trying to be delivered? I have never received anything. I spoke with them on XX/XX/XXXX, when it started, on XX/XX/XXXX asking for the verification letter, which he said he would email and never did, and tried to call on XX/XX/XXXX and XX/XX/XXXX with no one answering. 
Check N Go stated i do have a debt but collection agency they sold it to is out of business so they cant help with who i actually owe. I will gladly pay any debt i have, but this guy and place seem like a scam. I dont want to give my money to someone who wont verify who they are. XXXX says their number is an IRS scam snd when i told him this, he got angry. I need to know what to do. 
I have the threatening email, screenshots of dates and times i called, and the email i sent in reply asking for more information. Which they never responded to.
Pressler & Pressler had taken over XXXX from my bank account without my knowledge each time. The last withdrawal was a week before XXXX. I became very XXXX since. I almost lost my car, got evicted, water got shut off ect ect. They haave threatened to have me arrested and said that i would have to come up with the money somehow. I never allowed them to take any money from my account. The first time they took money out the women I spoke with asked me if it was ok for them to withdraw money again and I said No! They still went into my bank account a few months and did it again! All of my sons child support gone. I do n't think they went about this fair. The court officers were very nasty and would hang up on me or yell at me when I would call them to find out the debt. I asked Pressler & Pressler to send me all the information on the debt so I can see what I owed and all they sent me were papers stating how much I owed. That was not enough proof for me. They just tell me I owe this I owe that but they have no proof and they still go in my bank account and take my money. They took money out two times for an account and they still have n't refunded me the money. They are denying taking out the money and I had XXXX send them twice the proof that the money was withdrawn from them yet they still wo n't refund me the money. I 'm so confused on how to settle this cause they do n't give me a minute to explain. They hang up on me ... Please help me. I. Afraid to put any money in my account to pay bills because I do n't want them to clean out my account again. I went through a very bad XXXX after this and I just want this nightmare to end.
Ive been a Citi XXXX XXXX Card holder since XX/XX/2002.

My APR has been 29.99 % since XX/XX/2009 EXCEPT XX/XX/2015-XX/XX/2016 AND XX/XX/2016-XX/XX/2017 when I REQUESTED, and was given a rate reduction to 15.99 %. After those time frames, the rate was again INCREASED to 29.99 %.

I requested a rate reduction in XX/XX/2019. The rate was lowered to 28.24 %.

After I complained, I was advised, " Because we value your business, we have applied a promotional purchase rate of 10.99 % to your account for XXXX   months. '' In XX/XX/XXXX/XX/XX/XXXX of this year ( XX/XX/2018 ), several national publications ( XXXX, XXXX XXXX, XXXX, WXXXX XXXX XXXX, and others ) published, Citibank is voluntarily sending credit card customers a total of {$330.00} million ; " A bank paying its credit card customers instead of the other way around. On Friday, Citigroup announced that it would issue refunds to some XXXX million credit cardholders who had been charged interest rates that were too high '' ; Citi to Refund {$330.00} Million in Card Charges Due to Interest-Rate Problem -Bank failed to lower card rates as required by law ; says XXXX   million accounts were affected and Citi said the issue affected around XXXX million U.S. credit-card accounts over a period ranging from XX/XX/2011 to XX/XX/2017. Some of those accounts received smaller rate reductions than they should have, while others didnt receive any reduction.

I have REQUESTED and received interest rate reductions XXXX since XX/XX/2015. When I requested the reduction last year, I was told I would receive it for XXXX months after which Id have to wait XXXX   months to request the reduction again.

Based on my experiences, I believe that CITI has a stated policy that the customer could receive a lower rate for XXXX months, after which the customer has to wait XXXX months to again request a lower rate. This is a bit different from what the Citi claims.

The bank proudly informed the public that it had " self reported '' the error and would make refunds in the second half of XX/XX/2018.

Since XX/XX/XXXX, I have made several attempts to contact the bank and have received no response. ( XXXX XXXX, Executive Response Unit, XXXX ) I believe I have been overcharged on interest for the years XX/XX/2011-XX/XX/2018 and that I am entitled to adjustments to rates of 10.99-15.99 % for those years. I have the statements for that period of time to document the interest rates charged. ) As Citigroup PUBLICALLY announced ( self-disclosed ) their error and corrective actions, they should be equally transparent with their resolution of the error.
In XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my TransUnion credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first XXXX they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XXXX, XXXX, and XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you
Company : LexisNexis ; Consumer Number : XXXX. A dispute letter dated XX/XX/XXXX ( attached ) was mailed to LexisNexis and received by LexisNexis on XX/XX/XXXX ( see attached certified mail receipt. ) This dispute included 9 errors which were listed in my LexisNexis consumer report. LexisNexis was unable to complete the investigation or reinvestigation within 30 days of receiving my dispute as required by section 611 of the Fair credit Reporting Act ( FCRA. ) Therefore, all items I disputed in my letter dated XX/XX/XXXX should be deleted immediately as stated in the FCRA section 611 because the items disputed could not be verified causing the investigation to be incomplete. On XX/XX/XXXX I received a response letter from LexisNexis dated XX/XX/XXXX ( attached. ) In their response letter, LexisNexis stated they " did not receive a response from XXXX, XXXX or XXXX or that the dispute submission may have been lost. '' I disputed directly with LexisNexis, not XXXX, XXXX or XXXX  so that excuse is irrelevant. If LexisNexis needed more time to conduct the investigation or reinvestigation, they should have contacted me and requested additional time and they failed to do so. Since the 30 day investigation or reinvestigation was to conclude on XX/XX/XXXX, LexisNexis should have provided me with results. As of today, XX/XX/XXXX, I still have not received reinvestigation results for this dispute and I have not received an updated copy of my LexisNexis Consumer file. Finally, on XX/XX/XXXX I received a response letter from XXXX dated XX/XX/XXXX ( attached. ) In their response letter, XXXX states that LexisNexis agreed the error was made by LexisNexis and that LexisNexis has removed the item from my consumer file. LexisNexis has failed to communicate this error to me as required by FCRA section 611. As you can see by my written complaint and the attached letters, LexisNexis is in clear violation of my consumer rights, the FCRA and should be fined and held accountable for failing to conduct a timely investigation.
I received a phone message about 2 weeks ago, I did a courtesy call back and told them that they have a wrong number, no such person lives here. My answering machine clearly states that you have reached XXXX and XXXX. Pease don't call here again and the lady said she was documenting my phone number ( XXXX ) so that I would not receive further calls. Yesterday I received another phone call, I left it go to the answering machine, the number was XXXX ext. XXXX, different ext. no. from the first call. I did a return call and was upset that they should call my number again and that I would report them. I did give my number to him and I wasn't going to answer any other questions and told him that we're finished here and I hung up on him! Please help end these phone calls to my home.
I had a scheduled DD for XXXX which did not post to acct, and all prior monies in account were missing. After contacting the company via email the dd was processed manually howerver, my monies that was there {$480.00} was and IS still missing ... I was NOT and STILL can not access it as debit only credit. I was not able to use the atm except XXXX and it took my balance to XXXX although my dd was loaded. My statement is showing as pending with transactions that were posted and paid XX/XX/XXXX. I have emailed them over 10x, messaged them XXXX as requested, called every corporate number and no return call regarding my missing monies. ( I am now missing XXXX that was credited back to my account ) XXXX XXXX has been stating that the system is up working at 97 % capacity which is not true. He states that only individuals who cards were deactivated in error are still having issues, NOT TRUE. Take a look at his Rush card XXXX pages do those comments look as if all is okay.
Lakeview Loan Servicing LLC continues to delay crediting payments. 
In XXXX payment was sent on XX/XX/XXXX from our XXXX XXXX Bill Pay system in the amount of {$1800.00}. The copy of the check is stamped by XXXX on XX/XX/XXXX but the payment was not applied until XX/XX/XXXX. 

The same thing occurred in XXXX the payment of {$1800.00} was sent on XX/XX/XXXX but this was sent electronically and XXXX tells me is should arrive in 3 business days. This payment was not applied until XX/XX/XXXX. XXXX tells me Lakeview changed the payment to electronic- this is something I do not understand- how Lakeview can make this change- I am told by XXXX that this makes the  payment show up in 2/3 business days. This transaction does not have a stamped check like the XXXX payment. 

These late payments result in a fee. Every month I call Lakeview and complain and thus far they have been willing to reverse these late charges. 

Every time I call I get different information. I ask to speak with a manager and they tell me the payments are in fact late, when my bank tells me they should not be.Hold times are excessive. How can I use another loan servicer? Lakeview is TERRIBLE!
Hello Sir/Madam Good Morning I purchase a vehicle at XX/XX/2016 from XXXX. Last year it was crash and the payment was done this year. but when i go to check my credit score it shows XXXX owe me XXXX dollar so for this my score going to down for not pay but i ask XXXX is there due any payment? they tell me no!! everything is good because i already paid everything. 
so i dont know why it shows on my credit report negative and i can not fix it can you help me to out Just FYI i am a XXXX XXXX XXXX XXXX. 
so its very important for me please can you help me to out asap it will be highly appreciated thanks very much Have a wonderful weekend
in XX/XX/2018 opened 2 $ XXXX cd 's for a XXXX yr term at 2.12 %. around XX/XX/2018 USAA began taking money from the CD interest deposit and around XX/XX/XXXX they said it was because of the XXXX not being on file, around XX/XX/XXXX the XXXX issue was resolved the XXXX was found on file since the start of the CD and the deductions should have stopped. The deductions continued and were not even accurate but continued, calls to USAA resulted in assurances that the deductions will cease and return of the deductions will be provided, no return calls ever received deduction continued. In a desperate move the CDs were cancelled and money withdrawn from USAA the penalty was indicated as a portion of the interest paid but the resulting penalty was a deduction of interest and principal form the CDs. Additional calls to USAA seniors and agents resulted in a call from someone who never called again who said the issue is under review. No information on my CDs with USAA is now available on line at USAA under my file and account numbers, no interest XXXX or indication that the CDs ever existed is available.
I applied for an Amex Delta SkyMile card. I made purchase of the required amount within the required time. But it has been more than 100 days, I am waiting to get my bonus points. I am not able to book my tickets because of that. While contacting Amex customer service, they have the same answer all the time " We are Investigating '' None is  ready to provide me any time line or any point of contact to escalate the issue. The worst service I have ever seen in my life. 

I talked to the customer service manager. He also does not have any answer. 
The only answer I get is that " we are investigating ''. You cant even imagine how frustrating it is to wait for more than 100 days for the SkyMile points. Here is the Online conversation ID : XXXX
Ocwen Loan Servicing has referred my account to foreclosure and the assignment was fraudulently created and signed by robo signers also the cutoff date of the trust had expired when the assignment was created.
I financed an auto loan through my local XXXX dealer. I had automatic payments taken from my checking account each month ; the checks were taken by " JP Morgan Chase '' for the auto loan. XX/XX/2017 I received a letter from XXXX XXXX XXXX stating that I should make the final payment on the loan by check. I did send a check to XXXX XXXX XXXX for that final payment in the amount of {$540.00}. However, 5 days after that final payment cleared my checking account, JP Morgan Chase withdrew {$540.00} from my checking account. Therefore I overpaid my auto loan by {$540.00}. On XX/XX/2017 I called Chase Auto Finance to ask them to refund my {$540.00} overpayment. I was told to submit documentation in support of my overpayment claim, which I did on that same day-XX/XX/2017. I have enclosed the XXXX page document " package '' I send to Chase. Since I sent in the documentation I contacted Chase several times and been repeatedly " jerked around ''. Chase 's comments have been that they are " researching my claim ''. In the meantime I contacted my bank to put a stop payment of the Chase automatic withdrawals. That stop payment will cost me {$33.00}. Therefore I would appreciate your checking into this matter for me. Me phone number, e-mail, etc. are included on the enclosed document package. I just want my {$540.00} overpayment refunded to me. 

Thank you, XXXX XXXX XXXX