WillisBack/dataset-financial-user-claim huggingface dataset:
I recently purchased a car here in  XXXX  at a  XXXX  dealership who chose  Foursight Captial  as the financial institution. On the paper work I made sure it stated that I get paid on the  XXXX  day of each month. I did not want to be late making pymts. The payment is due on the  XXXX  of the month. The dealership said it should n't be a problem because there will be a  XXXX  day grace period. I agreed to mail the check on the  XXXX  of the month.  <P/> On  XXXX   XXXX  I received my   XXXX   call about paymt not being there on the  XXXX . I explained to the young man about my  XXXX  of the month pay. I asked if i would be called every month on the  XXXX  since they now know my situation, he said no. Told me that he would make a note of it in my file. I got a call on the  XXXX   XXXX , and on  XXXX   XXXX . This is harrassment. I have owed out more money than this and have been financed through banks. I have never gotten harrassed in this fashion. I guess because they were legitmate and professional financial instiutions.  <P/> Something has to be done about the way that  Foursight Capital  does business with its customers. After all if it were not for us they would not exist. From what I understand they can change the due date only after you have paid them   XXXX   times. They do this because they know you ca n't pay them until you get paid so they can still money from the customers in late fees. Did they not read the information that was given to them at initiation of the loan? It clearly stated that I get paid on the  XXXX  of the month. These people are not professional they need to be investigated for illegally taking money from their customers in the form of late fees that they deliberately set up to benefit themselves. I want them to STOP calling me!
Please see the attached military police report. I need the fraudulent account removed from my credit reports. The fraudulent account for XXXX XXXX Indiana is still be reported by Helvey and Associates.
I spent a lot of money, time and effort making copies of correct/incorrect billing statements from XXXXXXXX XXXX XXXX XXXXXXXX credit card. I showed and presented an argument that the statements were correct up to a certain month, then all of a sudden they stopped crediting money from my payments toward the balances on the special purchases I made, to them to whittle down the balances. XXXX pulled a bait and switch so they could charge me double interest on the purchases by not crediting payments made on time mind you, to the outstanding balances on record. They will do exactly the same thing with the remaining balances I have under that special agreement with them. They took all of the paperwork, threw it out and never acknowledged it by submitting a normal dispute to XXXX rather than forcing them to prove their reasoning as to why they say I didn't pay the amount off from XX/XX/2017 and threw the entire balance from that date on my statement claiming I owe it when I don't. My fear is they're going to do the same thing when the other 2 expire this year. Then I will have to sue XXXX. I want this matter resolved! The balance is incorrect and XXXX has failed at every turn to prove their case. In addition Experian failed to investigate the matter adequately when provided with a mountain of paperwork to prove the errors made by XXXX.
I applied for a visa using a third part service. The visa company did not comply with its own rules as stated on its website and issued a visa that was not for the dates needed. I disputed charge but Chase credit card said the company said its website says there are no refunds. Assuming this is true, it should n't apply when it is the company that did not follow its OWN rules and I was not at fault in any way. As a result Chase declined the dispute.
I have a credit card from Chase Bank  NA  for which last month I did not receive my credit card and I did not realize it until yesterday. Today I made a payment of {$100.00} via their online system. Then I called  Chase C.S.  spoke with a Representative whom I explained that I did not receive last month 's statement and I was charged a late fee of which I refused to pay. He informed me that the bank is open   24 hours a day 7 days a week for which I told him that I am not available 24/7  being I have my own problems to take care of. Further he point blank refused to issue the credit of {$29.00}. I then spoke with a Supervisor who was informed who I was but that was not enough for her being she requested that I tell her anyway of which I refused being I felt that it was uncalled for.
I requested to talk to her Manager but she refused and said I must have a call back within 24 to 48 hours. I refused as I did not want to wait. In all honesty I am really angry being I have paid several late fees in the past when I did not get my statement ( s ) and now I will not pay this {$29.00}. I expect Chase to remove this late and if they even attempt to report the missing payment to the credit and d  estroy my credit I will take legal action against them. Several times I had a problem with them and I never filed a complaint against the bank but now I am really done excusing the Chase.     I am not obligated to chase after the post office looking for my statement nor am I obligated to go crazy making sure Chase sent me my statement. The pushes the blame on post office for not delivering the statement and hold me liable for not calling them if I do n't receive it. Well I am sorry I hold them liable for not receiving it and the post office as well.
From  XXXX   XXXX    XXXX  , I filled out the required information for a checking account over draft protection line of credit. First rejection letter from Huntington said that they could not verify my address. So I went into the branch to verify my address filled out another application. Second rejection letter from Huntington said my application was a duplicate inquiry ... .. therefore it also was rejected. I have called Huntington and wr ong two le tters and NO RESPONSE! I can only assume I am being discriminated against/based on where I live???????
XXXX XXXX transferred my account to XXXX XXXX XXXX without notifying me via email that a transfer would take place. Neither XXXX XXXX nor XXXX XXXX XXXX   provided me written documentation of the transfer or new payment plan to my current address and thus I was marked late by 30 days of payment. I spoke with XXXX XXXX XXXX and they admitted that many other borrowers had this problem, but XXXX XXXX XXXX stated that they could do nothing to rectify the reporting of the late payment to the credit bureau. I paid off the account in full when I discovered the issue.
I am being sued by midland funding ( encore ) for XXXX. They are claiming breach of contract. Court date is XXXX XXXX, 2016. The document presented to me as chain of ownership, are generic & can be used on anyone. They just typed a number or used a water mark on all the affidavits & give no specific information. The statement they used, looked like a generic template. Them there was a plain white sheet of paper, with some personal, but easy to get information. When I answered their questionnaire they asked me for my bank & bank account number, it stated that this was not pertinent to the case. I said that I disputed owing Midland funding any money & That I owed XXXX bank zero money. They motioned for a summary judgment, that I did not answer in a reasonable time, stating that I did not answer all the questions & that I did n't dispute that I owed money to XXXX. That their claim is valid & that they should be awarded money. I answer that I did not owe them the money, never received the papers they said they sent ( I did n't ), until I saw the motion for summary judgment & answered them & that I denied owing them any money & that I disputed the validity of their affidavits. Sited lawsuits against them for these very reasons. 
There were given until XXXX XXXX to answer. I received an answer on XXXX XXXX, postmarked XXXX XXXX. Which did n't give me any time to prepare a good answer, as that was a weekend followed by a holiday. They answered back that those lawsuits were inflamitory & should be stricken & that since I never denied owing XXXX XXXX bank the money & stressed this as the most important issue, that their claim was valid & they should get a judgment on that alone. 
I do n't have digital copies of their statement, but can provide copies in the mail.
Company is reporting on all    XXXX    credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail
In 2011 I was diagnosed with XXXX ( XXXX XXXX XXXX  XXXX ) When I contacted the lender regarding any relief for my loans, they put my loans on foreberance and continued to charge interest on my loan. I was never offered an income based payment of 0 so that I would not accrue as much interest. I was always offerred the option where Navient would make money in interest. In addition, they told me that I had to be deemed XXXX XXXX due to the XXXX in order for them to assist me with other options. These actions on behalf of the lender have led my interest and fees to create a much larger loan amount. What can you do to assist. I can provide documents that prove my XXXX diagnosis and at the time I was living at the poverty level threshold. 
Please contact me if necessary ( XXXX ) XXXX XXXX Regards XXXX XXXX XXXX
CHASE BANK HAS NOT BEEN EXPLICIT IN EXPEDITING MY COMPLAINTS ABOUT CHARGES BEEN APPLIED TO OUR BANK ACCOUNT INCORRECTLY, AS I DISPUTES TO THEM WHAT ARE THEY FOR AND WHAT NOT. ACCORDING TO INFORMATIONS I'VE RECEIVED FROM THE CHASE BANK TO DAY! IT DOESN'T HELP BRING THE LIGHT OF JUSTICE, AND RIGHTEOUSNESS TO OUR BANK ACCOUNT DISHONESTLY. THE DISCRIPTION SENT TO ME TODAY : XX/XX/XXXX WITH AMOUNT DOESN'T MAKE ANY SENSE. BECAUSE, I DON'T KNOW WERE THESE MONIES HAVE GONE TO : THAT I'M NOT SEEN IT IN MY STATEMENT BEEN DEPOSITED BACK TO MY ACCOUNT, ARIGHT SHOWN FROM THEIR REPORTS, AND REPLY TO MY DISPUTES. I AM SINCERELY CONCERNED ABOUT CONSTERNATIOIN ACTIVITY MIGHT LEAD THE WAY TOWARD CONCEALEMNTAGAINST ME AND MY WIFE. DUE TO OUR AGING ELDERLY STANDARD. THANKS FOR ANY HELP GIVEN TO RELE GATE THIS FINANCIAL MATTER WITH CHASE BANK IT HAPPENED FROM XX/XX/XXXX & XX/XX/XXXX WITH XXXX XXXX WHEN WE WERE TRAVELING TO XXXX, HAWAII FOR MY SISTER 'S FUNERAL THEN.
I got divorced in XX/XX/XXXX and went behind on 3 properties total of 3 mortgages and 1 HELOC. All 3 mortgages companies worked with me on load modifications except 1 company XXXX XXXX XXXX XXXX. They sold my HELOC to XXXX XXXX XXXX. I was working with them for quite some time and then they sold it to Selene Finance. Selene Finance has been rude, unbearable, uncooperative and they told me I am being forced into foreclosure. I need a loan modification and the investor denied because they said I was at 49 % debt to income ratio. Their home appraisal was even fraudulent. The appraisal came out $ 250k higher than the other banks I worked with. I even offered to pay the loan for principal in full and if they can remove the excessive fees they are charging. They said " no, you are going into foreclosure because you have enough equity in your home. '' The problem with that is I have XXXX children and XXXX of them are in school. How do I sell my home? Why can't they just modify the loan and do a 3 month trial period? That is correct I don't owe much on my home and I can't refinance with another lender because this loan shows outstanding for over 5 years.
Filed dispute with the credit bureaus and One Main Financial beginning in XX/XX/XXXX. I filed subsequent disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the creditor is reporting this account in compliance with the FCRA and the FDCPA.
The company reported a late payment on my report when I informed them that I set up my auto draft on heir website. I 've asked them to remove the late payment and I set up the auto draft through my bank instead. They refused. My score dropped because of this.
XXXX XXXX has been sending monthly payment of {$170.00} to XXXX XXXX credit and XXXX   has only been posting {$160.00} and trying to collect the {$10.00} saying it is past due. XXXX XXXX   has spoke to them and showed proof they are sending the correct amount. XXXX claims they are only recieving {$160.00}. I have contacted them about it multiple times they say it is the XXXX XXXX   company not them. I know for a fact it is XXXX because my other creditors do not have this issue.
I lost my job as a XXXX at local XXXX because this creditor kept calling and calling. Left voicemails for me on a public non secure line with SENSITIVE information, was ultimately fired bc they did n't stop calling despite my request. 
New employment, they just found me again and contacted me three times this week at this office. I am in jeopardy again of the same situation.
I sent a letter to Experian in XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.
Asked for forbearance in XXXX, paid navient {$50.00} for the forbearance due to hardships. I have harassed by calls everyday for the past XXXX months saying I am late on payment. XXXX XXXX navient also screwed me when I asked for help, they failed to tell me the help was just paying interest not principal for the past XXXX years. Finally, moved by federal loans to fed-loans.gov. They are deceptive, deceitful. They screwed me
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX, VIN # XXXX from XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The amount financed was {$37000.00} on today during routine maintenance damage was found to the front of the end of the vehicle from a mass car accident. I was provided a XXXX report that indicated the car was a significant incident. At inquiried at the time of purchase for the XXXX and never was granted one. This is a total rip-off, had I know about this issue I would never purchase this vehicle. Both the Finance Company and dealership are at fault.
I rarely use my Chase account because of the way they do business. On XX/XX/2018 I refeceived a notification on my phone that my account would go negative from a pending tranaction that hadnt happened yet. I had been told in the past that money needed to be deposited by XXXX EST to avoid insufficient fund fees. Rather than going to the bank I used XXXX since it is promoted as instant money. I sent it from one of my other bank accounts to Chase and within minutes it said it was in my Chase account and that I had a XXXX balance instesd of potentially negaitve. I woke up this morning on XX/XX/XXXX so another alert from Chase that my account was negative. It was an insufficient funds fee! I called Chase and the first customer service person repeated the same thingd over and over saying that the deposit had to be in before XXXX EST to get in. I explained that there is no disclaimer alerting customers to this with XXXX or Chase and that my Chase app said I had a XXXX balance! I then asked to speak to XXXX who apparently is a manager and did nothing to help me. She just repeated their policy over and over again and actually went through a checklist saying things like I have explained our process ... and I have set expectations .... I am happily closing my account today but this fraud needs to STOP and I want my insufficient funds back to me from Chase for all the times this year that they came up with and excuse. One time I put cash in before XXXX then ak was told it had to be by XXXX = fee, etc etc.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my XXXX. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Between XXXX XXXX XXXX ( XXXX ) and Navienet they failed to explain the terms and conditions of the loan. I have a XXXX and now am struggling to repay my loans and am getting no help from either XXXX or Navienet. I have been in deferred payment status several times as a result of my inability to maintain a job and they have never offered any assistance beyond deferring payments which simply increase the total cost of the loan.
AroundXX/XX/XXXX I asked Fifth Third Bank to update my loan balance to the ( 3 ) credit reporting bureaus over the phone what I got was about 10 minutes of unpleasant, agitating and discommoding conversation which led me to ask for a supervisor who also had a similar unsettling attitude, what resulted in the request for updated balance was on around XX/XX/XXXX the bank had now retroactively reported 4 missed payments ( 1 ) going back to XX/XX/XXXX ( 18 months later ) and the other ( 3 ) payments going back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 11, 12 and 13 months retroactively ). 

I filed numerous disputes with the credit reporting bureaus and Fifth Third Bank directly, I received about a half dozen or so responses from Fifth Third Bank but they never answered why they went back and retroactively reported the ( 4 )  missed payments after reporting the loan with no missed payments since its original loan inception of XX/XX/XXXX to mid XX/XX/XXXX they also to this date acknowledge they never notified me of the negative reporting to the credit agencies before or after the negative reporting. 

Their investigation and written responses were also not accurate and can be proven by fact, I have asked them to delete the negative reporting and informed them of the violations under FCRA of their duties as a creditor/furnisher of negative credit reporting and of the violations of my rights as a consumer.
To whom it may concern. We purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX dealership located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX  The phone number is XXXX XXXX on XX/XX/XXXX. I owned a XXXX XXXX   before and loved it and we are enjoying our latest purchase. However, the Sales Manager is the one who closed our deal. His first name is XXXX. The Finance Manager is XXXX XXXX XXXX. The deal was we traded in our XXXX XXXX XXXX with only 30,000 miles on it and XXXX and I, ( XXXX  ), agreed in addition that we would pay another {$4200.00} and shook hands. He told me that in order to get the best deal, we would have to actually finance {$7000.00} and we would get {$2800.00} back once the loan was funded. Thus, is the agreed upon price of {$4200.00}. According to XXXX, the loan was actually funded on XX/XX/XXXX. We received a check in the mail on XX/XX/XXXX for {$2600.00}. I immediately called XXXX to inform him that the check was {$200.00} short. He acknowledged there was an error on their part and would contact the corporate office who issues the checks of the error and have them issue us another check for the {$200.00}. He told me that if I had not received it by Wednesday, XX/XX/XXXX to call him. I actually gave it till Friday, XX/XX/XXXX. He told me there were steps the dealership could take to find out what the problem was and would call me back that afternoon. He did not. I have called him multiple times and so has my husband and have also left messages with XXXX the Sales Manager and to date, neither one of them or anybody else has returned any of my or my husband 's calls. I am attaching the document that they call a " We Owe You Owe '' stating the above information along with the check stub of the amount we actually received. We are incredibly upset what this dealership has failed to do. And I have no other recourse unless I want to file in small claims court. This could cost me more that I am already out. This is totally unacceptable and should be rectified immediately. I am making my payments to XXXX XXXX. If I owed money and did not repay it, I would be turned over to collections and have my credit rating ruined. I am appealing to somebody, anybody to handle this asap. We would both appreciate some intervention. For a dealership as large as XXXX XXXX, I can't imagine that this situation would be tolerated. Thank you for your time and attention in this long over-due matter.
My mortgage is with Carrington Mortgage, I 've requested a mortgage modification several times. My rate is keeps going up and my taxes and insurance is n't escrowed. I do n't want lose my home to foreclosure, but Carrington Mortgage refuses to modify my mortgage. 
I would appreciate your assistance in this urgent matter. Please help.
GreenSky financing account opened in our names by Renewal by XXXX despite our insistence that we would pay cash for our renovation project. 

We only found that the account was opened because the sales person charged 3 times the down payment amount to the account without our approval. 

A payment on the fraudulently opened account was missed before the new windows were even installed. GreenSky threatened to damage our credit rating. 

It took over a month to have the account XXXX  out. GreenSky still shows the account as available on their site. 

Beware of XXXX XXXX sales personnel & GreenSky financing. All they want to do is set up a fraudulent account & start charging fees.
In XXXX of XXXX I took my motorcycle to XXXX XXXX of XXXX to have some modifications done. I told them at that time I had over 1000 dollars in gift certificates for their store and the remaining money would be paid by check. There was never a question brought up with financing any of this. A couple months later a Hard credit report shows up on my credit check I periodically do and try to resolve the issue with this company and after many months I filed a report fearing some type of fraud. Come to find out after the investigation it was XXXX XXXX of XXXX that requested this with no knowledge to me, and me not even thinking I would have a credit check done seeing that I was paying for this with no credit involved. I was never asked nor told there would be a check done and was quite surprised to see this happened. I have bought several motorcycles from XXXX XXXX and used their financial network they could have easily went through them to see I have never defaulted or been late with payment on any bike I bought there. Very underhanded move here. I never authorized and credit check for this transaction on XXXX.
I started my mortgage with XXXX XXXX XXXX. At the time of the mortgage, i had my taxes and insurance paid through the payment. When the file was transferred to OCWEN, for reason 's unknown, my taxes were not paid through my payments. Now, according to OCWEN, I owe about {$30000.00} or more on my mortgage. I filed chapter XXXX bankruptcy and moved it to a Chapter XXXX, which is now dismissed. I am in the process of modifying my loan with OCWEN, but I do n't really understand how my balance became so large, and how my payment became so large. I would like a full accounting of the loan from the time it was transferred to OCWEN to now.