WillisBack/dataset-financial-user-claim huggingface dataset:
I called GM Financial starting the day after XXXX XXXX to let them know that I need a deferment due to being impacted by the hurricane. Called since XXXX to get my due date changed that was never done..I was approved for a deferment for the month of XXXX XXXX. However after i esigned all documents my credit report was hit with a XXXX late reporting for XXXX and XXXX. I have called GM financial every other day since XXXX XXXX. Every XXXX has lied to me promising me things would be corrected. And not XXXX management person has kept their promise it 's almost like my issue is a joke. Not only has this dropped my XXXX XXXX over XXXX points it has also impacted my ability to get a natural disaster loan to fix my house. I have begged this company to corrected it and not XXXX person has cared enough for the issue.
I filed a dispute with my bank ( Ally Online ) regarding charges from a XXXX merchant that I requested be refunded. The XXXX merchant did not comply with the refund so I had resorted to disputing the charges with my bank. The date of the charges were on XXXX/XXXX/2016 and I contacted the XXXX merchant on XXXX/XXXX/2016 to tell them to refund me the full amount. I also contacted my bank that day to open a dispute about the charges just in case. The XXXX merchant confirmed that I would see the refund by XXXX/XXXX/2016 credited back to my account but by that day, only a portion of the full amount had been refunded. So I proceeded with pursuing the dispute through my bank and on XXXX/XXXX/2016 I was given a form to give a written account of the dispute. I completed and submitted the form on XXXX/XXXX/2016 and received no confirmation that the form was received by the disputes department ( using e-mail address XXXXXXXXXXXX ) and assumed they would contact me if and when they had or needed more information. Jumping ahead to XXXX/XXXX/2016 ( the date of this complaint ) I called to follow up and learn that they incorrectly closed my dispute because I said I was going to pursue the refund with the XXXX merchant directly. Not only is that false, but its stated right in my written form that this option was already pursued, unfulfilled, and that I expected the bank to pursue this route on my behalf. They did not issue the provisional credit back of the amount that I disputed within 10 business days of me submitting the complaint and they also incorrectly closed my dispute without any notice to me.
I was assigned a single point of contact XXXX XXXX who hasn't acknowledged any of the documents we provided. There has been no steps to submit our file to an underwriter for loan modification consideration. A Sale Date was approved by the court for XX/XX/18. We have been ignored and neglected the opportunity to keep our home. There has been no correspondence updating our situation. Shellpoint Mortgage Servicing is not interested in following the rules for loan modification requests. We have evidence showing complete documents being sent without any response. We are looking to stay in our home that we can afford after suffering a medical and economic hardship.
I received a call from Monarch Recovery Management regarding a personal business matter for my mother. I simply asked the representative for the name of the company and a phone number in which she could call back. The representative and her Supervisor XXXX XXXX both refused to provide any contact information for their company. I considered this harassing behavior and an unfair deceptive acts and practices.
-On XX/XX/XXXX I phoned in my {$97.00} monthly payment for account XXXX. 
-I had previously submitted a request for ACH automatic payments from my bank account. 
-Representative informed me on XX/XX/XXXX that she sees it processing in the system and it should be operation and take care of my next payment. 
-As advised by bank representative in XXXX, I expected XXXX 's payment to be drafted automatically from my bank account. 
-The XX/XX/XXXX payment was n't mayde and I recieved no notifications or collections phone calls from lender about payment being late or my ACH request having been rejected the bery next day after I called ( XX/XX/XXXX ) and lender does not invest in text messaging, or online access to allow me to see the status of my account. 
-On XX/XX/XXXX I received notification from XXXX smartphone app that I have been reported as being 30 days by Synchrony Bank XXXX 
-Synchrony Bank manager says that I have to live with it because I did not send a voided check along with my ACH request and that they sent a letter regarding it, but there was no call or letters, especially since I am not always at home because of military service and again Synchrony Bank does not invest on texting or a website. 
-I request that this negative entry be removed by lender because I followed what the bank representative adviced as to my next payment ( XX/XX/XXXX ) being made automatically as a result of my pending ACH auto payment request being fully processed by then, despite of disclosures about several billing cycles being necessary ; because the representative represents the lender, I followed her advice and I had no communication whatsoever from lender about my payment being late or ACH request not being accepted.
I refinanced my home in XX/XX/XXXX with XXXX. The collected taxes due - {$1800.00} - were to be paid from the closing proceeds. They also collected {$600.00} initial escrow for making my homeowners insurance payment which was due in XX/XX/XXXX. Before I could make my first payment, the loan was sold to LoanCare ( a XXXX company ). Everything seemed fine until sometime in XX/XX/2017, I received a notice that my homeowners policy has been cancelled due to no payment received. After a call to LoanCare, they made payment to restore my insurance. It was at that time, I noticed my escrow balance was in the negative by over {$1000.00}. I was unsuccessful getting any explanation from LoanCare, so I contacted XXXX to insure my initial escrow balance was transferred, which it was. I confirmed that with LoanCare later. It was at this time ( probably XX/XX/XXXX ), I was informed that LoanCare had paid my tax bill in XX/XX/XXXX. So I subsequently called the XXXX County Revenue Dept and they confirmed they had received two tax payments ( one in XX/XX/XXXX from the closing proceeds and another XXXX in XX/XX/XXXX from LoanCare ). They further informed me the duplicate payment had been returned to LoanCare on XX/XX/2017. I called LoanCare again ( this was about two weeks ago after I received my statement still showing a negative XXXX escrow balance ). The " customer service '' rep informed me their escrow payments are processed by a 3rd party who could not be contacted but that it takes 30-60 days to process returned payments. They could n't provide a contact at the 3rd party nor could they confirm they had even received the returned payment. Their website does n't provide escrow balance information so I can not confirm if it has been processed yet ( 60+ days later ). I also emailed their customer service department to request this be resolved and with the additional request that I take control of making these payments since they are so inept. No response.
I have had a mortgage for the past 18 years from mid XXXX 's to current. My mortgage has been sold 4 times over the course of the last 4 years. Prior to getting the mortgage sold I re negotiated with the lean holder and in a loss mitigation program.
But before being sold I had made the the 3 months of trail payment which were successfully, a new agreement was signed and notarized. Upon the sale the next mortgage holder accepted the terms and conditions and then the mortgage was sold again to Ditech which is when in XX/XX/XXXX they started to play games and ask me to open up a new loss mitigation program because they did n't want to honor a binding agreement with the previous lean holder. I refused on account of them wanted to raise my interest rate back up from 2 % to 8 %.
I will attach this agreement if I am able to send to you. Now I am foreclosure and attorney has suggested that I file a complaint with you.
Best Regards XXXX
I have no idea what this debt is for!! I am not aware that I had not been making payments or how much I was suppose to make and who I owe the debt to.
My car was repossessed in XX/XX/XXXX by XXXX XXXX XXXX.

I never received documentation that my car was repossessed until XX/XX/XXXX, in which I lost my license due to the fact that they could n't provide me with a letter. When I called in XX/XX/XXXX to find out where my car was with all my possessions, they did not know where it was located, the tow truck company got a ticket that was forwarded to me by XXXX  with the car in tow. I reached out daily for updates as to where my car was located so I could get my stuff and turn in the plates and not anyone could give me an answer. I had lost my license for 4 mths due to the fact that the tow company lost my plates and then I never got my valuables out of the car. Now in XX/XX/XXXX, my loan shows that I have missed payments, and is still open. They sold the vehicle in XX/XX/XXXX and my credit is ruined because of them. I also am XXXX I lost my license and my valuable were lost. Very disgusting.
I am attaching a copy of the Experian credit report picture. Ive already disputed this account and Experian keep saying verified ... I have attached an image of this. 
- This account is not my account. I have NEVER had a student loan. This is an error and Experian and XXXX XXXX XXXX  does not fix this. 
-According to 1681 ( i ) ( a ) of the FCRA.. Experian is supposed to investigate this account and even go beyond the what XXXX XXXX XXXX  says. There is NO contract, signatures, correspondence.. NOTHING for me and these people. 

I am trying to move currently and this account is affecting me and my family. I have copies of being declined a new apartment. Please remove this quickly. I am suffering with my reputation and suffering financially. 

Experian is the only bureau showing this account. See Attached
I have experience discriminatory lending when the bank chose to deny me an offer me proper mortgage program help. I believe the discrimination is based on race class, property location using credit scoring systems that mask the financial crisis problem, downplaying the circumstances as if its a first time loan approval program, instead of dealing with loan crisis problem that put my mortgage into financial crisis. KeyBank project a broker appraisals report ( opinion ) that set higher than market value than treasury county value that was reported as a lower value. They continue to disregard the criteria for HUD programs that could prevent foreclosure. 

I believe the types of discrimination I have experience have been overt discrimination and malicious disparate treatment. KeyBank have created barriers, making it more difficult in subtle as program that requires evidence of one month of verified income for a mortgage programs for making homes affordable through HUD making me provide more extensive income documents and masking my request for help. By using the mediation as advantage to force credit and income information that shouldve been handle before mediation dates. Making it seem as if they I never had income to qualify for mortgage programs that were available during XX/XX/XXXX-XX/XX/XXXX.  When knowingly KeyBank is aware of the programs that are available. KeyBank chose to downplay the financial crisis program in which could help prevent foreclosure. The lender used the mediation to state the obvious that theres financial crisis and the distress of the loan, however neglecting to provide the program that I qualify for. 

I wanted and expected a fair opportunity for help when I came Keybank XX/XX/XXXX for help, before foreclosure when I was in good standing. Still asking for help that I shouldve have received. 

XXXX XXXX XXXX  XX/XX/XXXX : filing for request for HUD program assistant. I found out due to government Shutdown, I still should have time to qualify. 
Foreclosure Mediation : XX/XX/XXXX Phone conference I express I would seek help the HUD approval for help XX/XX/XXXX : I was told by KeyBank that all program was over. 
- Because of the government program I still have time XXXX XXXX XXXX : XX/XX/XXXX : filed loss mitigation XX/XX/XXXX : filed loss mitigation : showing increase in pay rate and hours and job change XX/XX/XXXX : filed loss mitigation : showing increase in pay rate and hours XX/XX/XXXX : Showing the increase and in pay and hours, waiting for employer negotiation period to another increase. 
XXXX XXXX XXXX of XXXX XXXX : XX/XX/XXXX : Went for assist when money that was available. Company XX/XX/XXXX : Filed Loss mitigation file never pushed forward / XX/XX/XXXX : File for assist for Loss mitigation and assistant
I get calls a number of times a day on my cellphone ( XXXX XXXX to collect a debt from Kia Motors Financial ( XXXX ). Neither I nor anyone else in my house own a Kia vehicle. Neither I nor anyone else in my house have a loan with Kia Motors Financial. The person they are seeking collection from is not myself or anyone in my house. I have told the reps a number of times and they tell there is nothing they can do and they can not change the telephone on file until the loan holder contacts them and instructs them to do so.
Capio Partners , LLC violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and other state statutes.
I purchased cruise tickets using my Chase card because of the built in travel insurance. After we boarded the ship, we discovered that the itinerary had been changed. Instead of travelling to the XXXX, the ship was going to XXXX, to which I did not want to go. I called Chase and asked whether I could cancel the trip and get reimbursed for the cost of the cruise using the Chase travel insurance. The Chase representative said yes, so I left the ship. 
When I filed a travel insurance claim, it was denied. The reason it was denied was because the cruise line offered me " something of value '', so they do n't have to pay the claim. Only if the cruise was cancelled would the travel insurance pay.
I received a letter from XXXX stating they have requested to be removed from my credit history. Equifax refused to remove account. I have called and faxed over same letter. They are not being compliant.
I APPLY FOR A BEST BUY STORE CREDIT CARD, IT WAS DENIED WITH NO REASON WHAT SO EVER, MY CREDIT IS OVER XXXX, AFTER 2 WEEKS I GET A LETTER ( IN XXXX ) SAYING THAT THE LENDER WAS CITIBANK NA AND THEY SEND A NOTIFICATION SAYING THAT ''THEY HAD DECIDED NOT TO OFFER ME ANY TYPE OF ACCOUNT SERVICE '', WHY IS THIS? 
I DID CALL BEST BUY CREDIT SERVICES TO XXXX AND THEY SAY THEY HAVE NO MORE INFORMATION ABOUT THIS, I ALSO CALLED CITIBANK, THEY TRANSFER ME MORE THAN 3 TIMES TO DIFFERENT SECTIONS AND NOBODY COULD EVEN FIND MY NAME OR MY APPLICATION, SO I DECIDED TO WRITE A LETTER TO BOTH COMPANIES, BEST BUY AND CITIBANK, OF WICH NON HAVE ANSWERED BEST BUY REFERENCE # XXXX
According to the Equifax web site the believe that my information was compromised as part of the recent Equifax Security breach. 

It took me XXXX days to log into their system and find out if my information was compromised, and simultaneously to put a freeze on my report. I have had to pay the other credit reporting agencies to freeze my account.
I have had the same problem occur for the la st two  months. Collection agency  XXXX   XXXX  has repeatedly added an account on my credit report with incorrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for Experian and  XXXX . Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureaus and  XXXX   XXXX  concerning this issue and they are unwilling to fix the problem. This account has been removed and should not be added every month.
You didn't actually have any categories that fit my complaint so I hope this ends up in the right queue. My complaint is against Bank of America ( BofA ) and XXXX for implementing XXXX policies. Both of these companies took taxpayer money to bail them out of trouble during the banking crisis and they have no right to discriminate against customers just because they support the second amendment. This is bigotry and it's wrong when we haven't done anything wrong. I actually bank at BoA and now I have to worry if they'll start causing problems for me due to my XXXX activities or if I attempt to buy a gun. I've heard that most of the XXXX discrimination is against XXXX   manufacturers but that still doesn't make it right and if that discrimination is allowed then they may start infringing on the personal rights of their customers.
XXXX   XXXX ,    2016   XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.
I was a victim of Identity Theft, someone tried opening up numerous accounts using my information, as I contacted numerous credit card companies to notify them it was not me most of them were helpful and removed the inquiry from my credit report. However Paypal Credit was the only one who treated me like I was the criminal not the victim, the individual I spoke with was rude and told me that they could not remove the inquiry from my reports, I was told that I would need a police report and I would need to fax it in in order for them to remove the inquiry, this is after I notified them that it was not me who applied for credit and not only it was not me but they used a wrong address to do so. Paypal Credit still refused to remove the inquiry without the Police Report. It is hard enough to deal with the identity theft issue by it self, but to have a credit provider treat me like I was the criminal was not expected.
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This is my alert from   XXXX    Credit tracker : CCBPAYPALCREDIT obtained a copy of your   XXXX   Credit Report.  XX/XX/XXXX Alert Da te :  XX/XX/XXXX   XX/XX/XXXX  Date Filed :  XX/XX/XXXX  Source :  XXXX  Phone :   XXXX   XXXX   XXXX   XXXX  3 Address :   XXXX   XXXX   XXXX    XXXX , MD  XXXX - Company CCBPAYPALCREDIT
My monthly payment was XXXX days late ; spoke to them onday XXXX and day XXXX that payment would be made on XXXX/XXXX/15. Advice unable to verify at moment but would take care of payment. I received a call Tuesday XXXX XXXX, Wednesday XXXX XXXX. I received XXXX calls after speaking with them on Tuesday and Wednesday, I advise them not to call me by phone anymore they were not to call me back after payment arrangements the rep said she would call me as much as they wanted to ... previous reps did n't promise account or note it. They could call as much as they wanted. I received call on XXXX/XXXX/15 @ XXXX and XXXX and XXXX on my home number. Before hanging up I advised of a cease and desist on my account.
I deposited a check XXXX XXXX, 2016 at an ATM at Citibank in XXXX CA. The check was my husband 's payroll check and less than {$5000.00}. The bank placed a hold on the check. My checking account was not overdrafted. I have overdraft protection. I have been banking with Citibank over 20 years. On Monday night when I called I asked what had happened and Citibank could not tell me nor would the funds be released. To my knowledge the funds have not been released. When I called on Monday night Citibank told me the check that I deposited had not been sent to them from the branch.
For the past four XXXX 4 XXXX years I have disputed some erroneous information on my credit report XXXX. I have never had any utilities in my name, and I have contacted XXXX numerous times to have the item removed. They have never provided any information that has verified this to be my account. Once I even inquired about paying it, just to have it removed from my credit file. I need to resolve this matter.
On  XXXX   XXXX   Blake Whitt pl aced a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,   XXXX   but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to respond to. Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau.
The debt below is not mines.I was never contacted by this company and given a chance to dispute account. By law I have 30 days after receipt of a debt to dispute. This information is wrong and not mines. 


SECURITY CREDIT SERVIC XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS XXXX
The representatives get attitudes with you about your account especially if you are unable to pay at the time of the call. I think it 's illegal for the company to " search '' through names of people in the family when they are not on the reference list to contact harassing and getting attitudes with them. Even though they say they are willing to work with the customer, they are n't.
I submitted a dispute online with transunion over XXXX collection account with the amount of {$1100.00} on XX/XX/XXXX. I have received no response from them regarding their investigation. Through my online transunion account, it lists the completion date as XX/XX/XXXX. Today is XX/XX/XXXX. I also have a collections account still showing on my transunion report as delinquent that was paid off in XX/XX/XXXX in the amount of {$100.00}. Both of the collections accounts that are in question were removed by XXXX  and XXXX. 

Having an open dispute with them is preventing me from viewing my credit report and also from opening additional disputes for other collections accounts that have also already been removed from XXXX and XXXX 

I am trying to prepare for first-time mortgage qualification and this matter is severely hindering my progress.
Calling, several times a day and night. Calls going to voicemail for couple of minutes of silence. When call back no one will answer.