WillisBack/dataset-financial-user-claim huggingface dataset:
Leased a new vehicle from XXXX XXXX XXXX in XXXX XXXX and noticed that the finance guy did not want to share the contract with me until after I had finished signing. Upon seeing the details of the contract after getting home, noticed there was an after market add-on for {$4000.00} which I never agreed to purchasing, let alone signing an addendum stating that I wanted the add-on or proof that " XXXX '' was ever installed on the vehicle or came with the vehicle. I came back to the dealer on Sunday to speak with someone and the Finance person told me to come back on Monday to speak with the Sales Manager who told me to come back on Tuesday to deal with the original Finance person who ripped me off in the first place. I called the Finance Director who claimed that there was nothing that she could do until the original finance person came back although she was the DIRECTOR, that all his deals were " locked up '' inside his desk and that she had no access to them. After coming back to the dealer on Tuesday and speaking with the original Finance person, he exclaimed that they did not charge me for the {$4000.00} add-on although the contract clearly shows that it was included in the price of the vehicle which determines the amount financed and the monthly payments. He also mentioned that this is a lease, so there 's no financing, which makes NO SENSE whatsoever. He proceeded to remove the {$4000.00} add on and added the total oto the " Rental Charge '' portion of the lease, jacking it up from {$2000.00} to $ 6,000+ to keep the same monthly payments. Eventually, I walked out and asked to speak with their GM, who never showed up. After waiting for another 15 minutes, the Finance Director tells me that she will " resolve '' the issue and removed all the erroneous add-ons and charges out of thin air and removed about {$7000.00} of fraudulent charges on my lease contract and bringing my monthly payment significantly. In the end, there was really no explanation for what occurred because the dealer knew that they were caught red handed and had no proof that the add-on was ever installed or requested by the buyer and tried to save the sale. I could not believe how much trouble I had to go through to get something removed from the contract that did not belong in the first place. Be very careful if you are purchasing from this dealer and make sure that they actually print the contract out and walk over the price with you line by line and provide full explanations for all of the charges and documentation for any " add ons '' that they might have thrown in there that you did not want.
In response to a complaint I filed on XX/XX/2018 regarding their loan modification processes and timelines, Mr. Cooper my mortgage servicer is harassing and punishing me for filing the complaint. Mr. Cooper is citing I have legal representation and can only respond to my attorney regarding any issues with my mortgage. On XX/XX/2018, Mr. Cooper solicited me and the attorney representing me in my bankruptcy for the right to speak and negotiate with me directly and not through my attorney. This document was signed in agreement and returned back to them. They have it on file, but are choosing to ignore the document. 

By deliberately ignoring the release they requested and stating they will only respond to my bankruptcy attorney, Mr. Cooper is harassing and punishing me for filing a complaint by forcing me to incur unnecessary legal fees. My attorney will charge me to receive and review these documents. Documents covering issues that actually occurred prior to my bankruptcy. 

I view this as a deliberate act on their part to harass and punish me for complaining and questioning some of their business practices. They are legally bound through their contract with Fannie Mae to keep and maintain all records regarding my account. They have the documented release that allows them to deal with me direct and are choosing to ignore it. 

I am uploading a copy of the signed release with this complaint.
I attended XXXX XXXX University from the fall of XXXX to the spring of XXXX and graduated with a BS in XXXX XXXX. After graduation I accepted an industry position and began my new career in XXXX of XXXX. After an automatic deferment of six months on my loan repayment I entered an income-based repayment ( IBR ) plan that allowed me to make payments while supporting my wife and twin sons, all without incident. When it was time to renew my XXXX in XXXX I followed the same process but my payment status was left unresolved for several months despite regular attempts to contact the company to resolve the matter. By XX/XX/XXXX I was receiving notices that Navient required payment but would not accept my XXXX application with no explanation as to why there was an issue. By approximately XXXX of XXXX my IBR was approved and I began payments again, but Navient had placed XXXX day late payment marks on my credit report during the time that my payment plan was in process. I worked with the credit reporting agency and Navient to resolve the issue, and eventually Navient agreed that my lack of payment was due to process errors on their end, but for some reason they have only removed the marks for the 30 and 60 day late payments on my XXXX report. Please see the attached document showing a 90 day late payment in XX/XX/XXXX but ( document titled 'XXXX Navient Payment, ' red highlight from me ) but no payment issues on XXXX and XX/XX/XXXX. I have been unable to retrieve documents from either XXXX or Navient showing the previous status, but credit reports don't generally show a random 90 day late payment mark in an otherwise satisfactory payment history. I have contested the 90 day late payment several times with both XXXX and Navient, while the XXXX staff have been friendly they appear to be unable to do anything more than contact Navient as part of the dispute and receive a form letter that says that late payments have to be noted on credit reports. Please see the attached document labeled 'Navient Form Letter ' for the last of these letters I received from Navient while disputing on my credit report. That is literally all of the contact I have been able to document from their organization. At this point I can't even log into their system to find historical documents and can't receive customer assistance in any form.
I filed a complaint with TransUnion ( TU ). TU did not correct the report received from XXXX ( XXXX ). XXXX is TU third party provider. I have enclosed a letter from XXXX  stating the status on on the date of the bankruptcy. 

TU is reporting supplemental information that is inaccurate. I am requesting that the information to be updated and deleted. 

I am requesting the Method of verification.
Received letter from Citizens Bank talking about a credit to my account because of errors in deposit amounts. No dates or deposit amounts included in letter. No way to tell if the amount credited is correct.
i had a installment loan out with Check n Go in my town over two years ago. i was unable to pay it back in full, and honestly, i forgot about it. earlier this year i received phone calls from a company called " XXXX XXXX XXXX '' who claimed that they would be serving me papers at my home address ( which they had correct ) and if they couldnt reach me there, they would be serving me at my " job '' ( but did not disclose where i work ). After being scared into their tactics, they got my debit card number and was withdrawing money from my account every 2 weeks ( my payday ) in the amount of {$120.00}. 

After a month or so, i stopped paying them ( XXXX 2016 ) .... Now ( XXXX 2016 ) a man named " XXXX XXXX '' is calling me from the same company again. they have n't withdrawn any money since then and after doing a good amount of research online, this sounds like a scam. i dont know who to contact about this, and honestly, i am still unsure if this is legitimate or not.
I lost my card two days ago, there was {$940.00} on it. I tried to call right away to have a replacement mailed and to have that card blocked but I kept getting hung up on or I 'd get through and wait, and after XXXX minutes of waiting, I 'd still get hung up on. What if someone would 've found my card? I would 've been screwed because I was n't able to get a hold of someone right away. I trusted these people with my money and what 's worse is that I get outsourced to people in the XXXX or XXXX. I finally got a hold of someone just now after XXXX minutes of waiting. This is unprofessional and now I have to wait to pay the rest of my bills. I still ca n't access my account online!
Woman named XXXX XXXX called approximately 8 family members threatening " Service '' if I did not respond within an hour. She was very rude and demanding of my family members. She also shared personal information to at least one member. I do not know their process for contacting supposed family members, however if they shared this with one person who else did they share it with. Additionally they refused to name who they were beyond a collection agency. They then called me ( AFTER calling all the members in my family ) from XXXX leaving me a message telling me to contact XXXX to set up payments. When I called this number it was a generic answering machine. I advised them that they are not allowed to threaten me with legal action and that if they wish to serve me they should have my address on record if they are a legitimate company.
I had a credit account beginning in XX/XX/2015 with XXXX/SYNCB and when I became XXXX XXXX military, i had no way to pay my debt on that account. During that period, my account became past due and eventually was closed by the creditor.
On my experian credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is XXXX XXXX with XXXX XXXX for XXXX and the second creditor XXXX XXXX for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my experian report twice. It 's also on my XXXX report under XXXX XXXX for XXXX and XXXX report under XXXX XXXX for XXXX. This account was supposed to had been removed and now keeps appearing.
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
I noticed an unauthorized inquiries without my permission from anyone on XX/XX/2017 and XX/XX/2017
BB & T failed to alert me that my account was accumulating fees from authorized transactions for more than XXXX week resulting in {$900.00} in overdrafts and other fees. Each dispute I made for these fees was ultimately denied by BB & T and I was left to pay these fees on my own. After a month of being in the negative status, BB & T made an unauthorized transfer of {$900.00} from my savings to my checking account to cover these fees. I set up arrangements to pay off the fees before the stated deadline, however, the bank transferred the money from my savings account without my permission a full XXXX weeks prior. I called in to speak with several representatives and a XXXX, who advised that they were in their right to make this transfer without my permission. This seems very illegal.
Hello, I have a 30 year fixed rate FHA loan that was initiated in XX/XX/XXXX at 3.75 %. The loan is held by Freedom Mortgage and they have tried repeatedly to get me to refinance to a higher interest loan. The next year I bought another property to live in and started renting out the home with the FHA mortgage. Often the renters are late in paying, and in XX/XX/XXXX I had helped my son and his family move to their new duty station at XXXX XXXX. Between the two I was very late sending in the XX/XX/XXXXpayment. It was sent by my regular bank on XX/XX/XXXX and should have been received by XX/XX/XXXX. I have used this service since XX/XX/XXXXwith no issues, I thought. My regular payment is now {$1400.00} after an increase in taxes and insurance costs. I sent in {$1500.00} to cover the {$56.00} late fee I owed by that time. 
In XX/XX/XXXX I started receiving notices that I was over 30 days delinquent on the account. I called Freedom Mortgage to find out if they had just applied the check or had credited the check to another account by mistake. They couldn't tell me where it was and I contacted my bank to find out what their system said. It hadn't been cashed as of XX/XX/XXXX. I called Freedom Mortgage, told them I was stopping payment on the check and would pay for XX/XX/XXXXand XX/XX/XXXX as soon as my bank had the last check back in my account. On XX/XX/XXXX I scheduled payment through Freedom Mortgage 's system for the next day for {$3000.00} to cover XX/XX/XXXX late fee and the XX/XX/XXXX payment with a little extra principle thrown in. Freedom Mortgage has a note on their bills that states payments made after the XX/XX/XXXX have late fees of {$56.00} added to the bill. They applied the {$1500.00} from the stopped check on XX/XX/XXXX, miraculously finding it after I told them I was blocking it. They pulled {$1600.00} back out on XX/XX/XXXX then put {$160.00} in again ... except their system doesn't tell me where the {$160.00} went, and they charged me a late fee for XXXX. 
Now I have a {$20.00} fee for the stop payment that Freedom Mortgage representatives told me would not be assessed, {$160.00} I have no idea where it went, and two months of late fees pulled out of the payment made on XX/XX/XXXX. I have looked back at my bank 's records for how long they're taking to credit my payments and it looks like it averages a week, sometimes longer. Freedom Mortgage shows that almost all of the extra money I have sent has been used for " late '' fees even for those months where I can show they received their money before the XX/XX/XXXX. It seems to be a pattern where they hold on to the checks that extra bit of time so they can charge a late fee. The XXXX payment has been made ( through Freedom Mortgage 's payment system ) and I have {$110.00} for late fees charged to it ( I sent in {$1600.00} for the extra principle ), in addition to the {$110.00} charged to the XX/XX/XXXX/XX/XX/XXXX payments. For some reason they broke up the extra principle into a {$160.00} payment and a {$49.00} payment, maybe to confuse the theft of {$160.00} in XX/XX/XXXX.
This was the best choice for my situation. I have a complaint against a company called Central Control Finance also know as Syndicated office systems which is a collection agency who collected on a debt of mines which was a medical bill I never received any notice of, not even from the hospital because it was sent to a different address than where I resided. I only found out about the debt when it was placed on my credit report and there was contact information to speak with someone. After speaking with someone I resolved the debt with no problem. I requested for it to be removed from my credit reports because I was never properly contacted by anyone about the debt. They told me I could submit a dispute and I did just that with all proper documentation to prove to them I did not live where they had ( they claim ) sent a notice of the debt. They denied my request even after providing proper evidence. This was about a year ago. I felt like it was unfair that I had to have something on my credit that I did not receive notice for and not given a chance to resolve something as little as {$150.00} that would follow me for 7yrs. I recently reached back out to them to resubmit my dispute because one of the reps there even said that she can see that I was never contacted my phone as well and suggest that I submit my request again by fax which she provided on XXXX XXXX, 2016. It was denied again even with proper documentation. I would like someone to please reach out to them to have this item removed from all XXXX of my credit reports so I can move on in life. I paid them and held myself accountable, so I would like them to hold themselves accountable for not providing me with a notice. After I had this issue I decided to research this company only to find out they had just been involved in a lawsuit because they were not properly notifying consumers of their debts that 's what led me to send this complaint because I figured if they had to be sued, they were not going to be any help to me since they had n't been to others in the past. Thanks for your prompt attention in this matter.
In 2014, our mortgage was sold to Bayview Loan Servicing , LLC . Since the recession of XX/XX/XXXX-XX/XX/XXXX, we have had difficulty paying our bills on time. Regarding our mortgage, the payment is due on the XXXX of the month, and we usually pay by XX/XX/XXXX, before a late fee is charged. There have been months where we were behind by 30 days, but have caught up. The company always calls us after the XXXX of the month, with multiple phone calls, until we pay. Recently, they did not receive our homeowner 's insurance information and set up an escrow account, thereby increasing our monthly payments. The insurance has been resolved and we have paid all of our monthly mortgage payments. Because of the escrow account, they are not applying the amount that we pay to the mortgage, but to the escrow account. When I called to make the XX/XX/XXXX and XX/XX/XXXX mortgage payment, they say that I am delinquent on my account. I have spent numerous hours on the phone trying to resolve this issue. I just sent an overnight letter cancelling the escrow account - even though I never asked them to put it on the account - as they told me that was the only way to resolve it. My main complaint is I want the phone calls to STOP. We feel that Bayview Loan is targeting us because my husband is XXXX.
To Whom It May Concern, I am writing this letter in regards to American Express not living up to its end of an agreement. In XXXX XXXX I signed up for an AMEX XXXX Preferred credit card under a very common and widely available promotion - Spend {$2000.00} in 90 days and get a {$150.00} statement credit. For whatever reason when I signed up online I was having technical difficulties. Therefore I reached out to AMEX via their messaging platform. The representative directed me another sign up link. I asked them very specifically if this has the special promotion. And they very clearly confirmed it was. I even have a screen shot of the message that confirmed it. I then proceeded to spend way more then {$1500.00} over the next 90 days and met the requirements. 

In early XXXX I reached out to AMEX to inquire when the statement credit would be made. They told me I supposedly never signed up under the proper promotion page. I asked for escalation and talked to a dozen other representatives over the next 3 months via message and phone. After all this they again reiterated I would not be paid the promotion as I did not sign up properly. 

The worst part of the matter is AMEX customer service .They had me re-explain the situation every time and made it very difficult and time consuming to advance the issue. I asked to have a case opened and for the ticket or case number for future followup - they told me they did not give out such information to customers. I asked for an email confirmation for my case - again they said the did not have such a mechanism. I asked where can I submit my evidence ( screenshot mentioned earlier ) - they led me to an arcane system that made me have to jump through hoops to offer it. I asked to get an email on how my case was proceeding - they told me only the only recourse was their online message which purposely does not allow for message trails. I very much hope that this issue is investigated and that my many phone calls or texts were recorded so everyone can see the arcane system I had to go through. 

All in all, it seems like the entire AMEX customer inquiry process is designed to force a consumer to go through a byzantine system in the hope that the consumer will give up before the case can be properly evaluated. AMEX seems to deliberately not allow for case tracking, followup, or basic notifications on the consumer side. I wasted a huge amount of time working my way through this poorly designed system ( or purposely designed with the intention of creating a labyrinth for the consumer ) This promotion is repeatedly offered and open to everyone. No sensible person in my situation would sign up for the non-bonus route when a good bonus route is easily available. I would like to add Ive only ever signed up for XXXX other AMEX bonus ever in my lifetime ( via the XXXX XXXX ) This is not something I do often. 

I am quite simply appalled at AMEX 's dangerous practices and how they conduct themselves. Besides not getting what I duly earned, I am more concerned about the process which it seems to me, obviously and deliberately gives favor over AMEX at the expense of normal consumers. 

Thanks, XXXX XXXX
In, XXXX I pulled my credit and found that I had a debt to the Ohio XXXX Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX XXXX courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report in XXXX. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all three agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed XXXX but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast 3-4 times. I attempted to dispute this week online XX/XX/XXXX and I get a message stating that it can not be disputed 2 times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General XXXX and collection and the XXXX XXXX Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by XXXX agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the ( XXXX limit for paid tax liens. ( this is now 9 years that they bureau has been reporting this as unpaid when it was paid in XXXX ), below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so,