WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a new XXXX XXXX VIN # XXXX   from XXXX XXXX  in XX/XX/XXXX, financed for 6 years through XXXX. At some point my loan was transferred to Ally Financial. The loan was paid off in XX/XX/XXXX, but I did not receive a tiltle and called to inquire ; I was told that they released the lean on the title and that XXXX would print the title if I needed it. In XX/XX/XXXX the car was wrecked and processed by XXXX  as a total loss ; XXXX requires the title to release the settlement funds so that I can get a new vehicle. When I went to XXXX to get the title I was told they could not give me the title because it still had a lean from Ally financial. I asked my wife to call Ally, which she did and was told it would take 24 to 48 hours to process ( I do not have the transaction number ). 10 days later I follow up ; They have no record of my account or social security # but do recognize the VIN of the car. I get the same response as my wife except its 24 to 48 hours for a fax and a week to 10 days for the mail ( transaction # XXXX ). 5 days later still no title release so I follow up again. They transfer me to an account recovery department XXXX who says the system dealing with old accounts is down and they will process it when it is back on line, I asked how long it has been down and when it is expected to be on-line and was told it had been down for at least 2 weeks and they had no information when to expect it to be resolved, and that I have waited 5 years a few more weeks should not be a problem. I call back several times asking for managers or some one who can send a release with out the broken system but have no luck. They all had the same story " they are experiencing technical difficulties and they will call me once they are resolved. I called back the next day and put in another request # XXXX.
This is in reference to my joint account with my husband with XXXX XXXX. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXX that they had not reported any information since XX/XX/XXXX on my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXXand have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called XXXX XXXX who stated that my payments were on time and that I was in deferment in XX/XX/XXXX and XX/XX/XXXX and those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXX I finally heard something on an update on my account and it was from Experian and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports Experian now has a charge off for Charge off XX/XX/XXXX and then account ok until XX/XX/XXXXwhich showed charge off again and then ok again until charge off XX/XX/XXXX The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then XXXX  and XXXX showed 60 days late. It cant go from ok to 60 days late. XXXX and XXXX show worst delinquency as 90 days which is not reported at this time and Experian shows charge off. The balance on my account per the company website shows that I owe XXXX and according to XXXX  and XXXX it shows {$7700.00} and Experian nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXXsince that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
I'm just worried about the credibility and clarity of the present examination and also the missed payments pertaining to this particular account and how it is reporting on my credit report. Just about 45 days ago I applied for an assessment for the reason that I felt the item is not being submitted lately. To my shock I was given a document documenting that your evaluation was accomplished and that the item had been " affirmed as correct.
Dear Sir/Madam, I got my XXXX business credit card for its fuel program in XX/XX/XXXX, with Account # : XXXX and business Name : XXXX XXXX XXXX. The credit card 's spending limit is only {$200.00}. 
Unlike other gas companies ' gas credit cards, such as XXXX XXXXXXXX XXXX, XXXX  does not provide monthly auto-payment service to cardholders. If cardholders miss the monthly due date, XXXX charges {$75.00}, a very high late fee comparing with its very low credit line. Cardholders have to be very careful for making one-time only online payment by the due date to avoid the late fee. I phoned XXXX customer service to complain their lacking of auto-payment service, which is very important for cardholder to avoid late fee. However, XXXX still does not provide the important service. 
I forgot to do the one-time online payment to my balance ( {$48.00} ) in XXXX ( statement attached ), XXXX charged {$75.00} late fee on my balance in XXXX ( statement attached ). I wrote online complain to XXXX   on XX/XX/XXXX, who responded me an email ( attached ) on XX/XX/XXXX stating that I qualify for 50 % off the late, finance fee waiver. I wrote another online complain to XXXX to request a 100 % waiver of the late fee. XXXX   responded me another email ( attached ) on XX/XX/XXXX stating that I am not eligible for a fee waiver. I phoned XXXX customer service to inquire the waiver on XX/XX/XXXX and XXXX. Eventually XXXX credited {$37.00}, 50 % of the late fee, to my balance on XX/XX/XXXX ( attached ). 
Since the late fee charged to me is mainly XXXX 's failure to provide cardholders auto-payment service, I hope the CFPB could help have XXXX credit the other 50 % of the late fee to me, and help have XXXX   provide auto-payment service to cardholders for avoiding the very high late fee in the future. Thank you so much for your kind help. 
Best regards, XXXX XXXX XXXX
I have been trying for months to have this removed from my credit report. I have submitted credit disputes with all three credit bureaus without success. I have disputed directly with the collection company and I am ignored. Please help me resolve this. This needs to be removed from all XXXX credit bureaus.
In XX/XX/XXXX and XX/XX/XXXX, I hit a financial rough patch. A lot of this was due to unstable income due to independent XXXX jobs I was performing. In XX/XX/XXXX, my car was repossessed. I quickly redeemed the repossession and had my car back within 72 hours. 

For 7 years, this haunted my credit report. In XX/XX/XXXX, I was giddy that the FCRA enabled this mishap to no longer limit my financial freedom. 

However, it required a complaint with the CFPB on XX/XX/XXXX to get the auto lender to respond on XX/XX/XXXX to me and the CFPB with : XXXX XXXX will honor ( my ) request to remove the redeemed repossession comment from his credit report. We asked XXXX XXXX to allow up to 30 days for the update to be reflected in his credit file. 

As of XX/XX/XXXX, this information was still present on at least one of my credit reports ( XXXX ). I have filed complaints with XXXX to no avail. 

The FCRA provides for this information to be removed from my credit reports. It has been removed from at least one and hopefully after this complaint from all 3.
I paid my final payment and asked for closure of the account on XX/XX/XXXX. I called the company on XX/XX/XXXX to make sure the card was closed and my money was returned to me. The customer service agent was rude and did not offer any information. I sent several message via the internet website for closure and return on my security deposit. No response. I contacted the company again on XX/XX/XXXX and XX/XX/XXXX for closure and return of my security deposit of {$300.00} to be sent to me. I have written 3 letters to the company asking for closure and return of my money. It does not take over 2 months to close an account and write me a check for my money. This company is committing fraud by stealing my deposit and not returning it to me immediately. I expect this company, bank and or credit card to return my deposit of {$300.00} to me immediately. I will file as many complaints as possible until everything is restored and all money plus interest is paid to me.
ERC Collection For XXXX XXXX XXXX XXXX I have reached out to ERC about collection account. I explained, I paid this account in full. They should not be reporting it negatively to the 3 credit bureaus and they can verify the information by contact XXXX XXXX XXXX XXXX, and to please remove after the information is verify and they yet to complied.
Caller from portfolio recovery called at XXXX cst asking for me. I informed caller that it was almost XXXX XXXX. Caller once again asked if i was available. I told caller again that it was almost XXXX XXXX and that i was trying to sleep. I hung up on caller.
In XX/XX/XXXX, I tried out a XXXX cell phone for a week, and returned it as per XXXX 's new customer agreement, and paid a {$35.00} return fee. In the next few months, I was called by this agency with a request for {$660.00} for the value of the phone and a month 's service. I explained the situation to them and called XXXX corporate and the store I got the phone at. The collection disappeared from my credit report, only to return XX/XX/XXXX as showing a month 's service, which I never had, having possessed the phone for one week only. I have tried to call XXXX corporate on three different occasions requesting a copy of said statement, and each time being assured one would be sent, but never having received a statement.
XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX and XXXX and Equifax will not investigate the correct my credit report. I have send them many letters to correct my XXXX account and they have failed to do so, so I am submitting docs the prove my account with XXXX is closed and has a XXXX balance.
I 'm the co-signer on my son 's student loan. He took it our while he was attending XXXX XXXX in 2008. Apparently, the holder sold the loan to another collection agency that is repeatedly attempting to contact me by phone. ( I told the previous holder to only contact me my mail, NOT by phone. ) More importantly, my son got a forbearance on this loan because he became a XXXX student. ( At XXXX XXXX XXXX College in XXXX, VA. This group continued to pursue despite this and also told me that my information was " wrong '' and that my son " must have taken out more than XXXX loan ''. This is false. They 're using lies and intimidation. I told them not to call me again ( especially on my business line ) and that I will report them to CFPB. I do n't think that they are legitimate.
I made all XXXX payments to Santander plus XXXX, because I deferred my payment four times during the six year course of the loan. With the deferments my contract paid out XX/XX/XXXX. They tell me I owe over eight thousand dollars in fees. I have been continuing to make monthlyl payments waiting to get enough money to talk to an attorney. I still do n't have money to hire an attorney. Even though I have never missed a payment that I did n't make up, all through my loan and even now they have been and still are reporting me 30,60, & 90 days past due. I called today to get the payment dates they say I missed, because each time they tell me I 'm behind and each of the representatives would give me different dates. Today which is a first, the representative says I have n't missed any payments. I ask then why are you reporting me late every month. In essense she say XXXX my payment is due on the XXXX and if it is not received by the XXXX I am 30 days past due or more depending upon how many days are in the month. Even though my payment is due on the XXXX of XXXX for XXXX and I do n't owe for any other months, If the payment is not received by the XXXX of XXXX I will be reported over 30 days past due. Because I wo n't be making my payment until the XXXX. Because that 's the way my pay period falls. I get paid every two weeks and sometimes it 's on, before, or a few days after. They say I have XXXX day grace period but I always pay in the same month to avoid them repossessing my car. And yes except for this time which the first they did n't say that I was behind or that I am in danger of my car being repossessed. My it 's because of all of the lawsuit they are quilty of. But yet the are still reporting me late. I have not missed a payment since they illegally repossed my car XX/XX/XXXX. And I always pay in the same month, it XXXX the last day of the month, but it 's in the same month. This has and still is causing me a financial hardship financially and they have ruined my credit illegally. It great the XXXX Department suied Santander on behalf of our service individuals for the same things they are still doing to me, but what about the rest of us. Does being a citizen of the United States account for anything, knowing they are doing to other citizens what XXXX Department sued them for doing to service members. Should n't we be recompensed, should n't they be made to take their lies from our credit reports, should n't I received back the money they are embezzling from me. Oh, I have to pay if I want a way to get to work. Do you not count, I 'm too old to join the service but my father, now deceased XXXX. He 's buried XXXX just outside of XXXX, my home town. Do n't you think every citizen deserves justice from this and any other predator. I 'm not the only one who has had or have a loved XXXX or someone they care about who has served this country. All of us should have your help we are the offspring or parent or sibling of someone who has served our country. What about us????????
I have recently received a certified letter from my mortgage lender indicating that I  may  be foreclosed upon soon. However, for the past 5 years I have been in a Chapter  XXXX  bankruptcy and all payments have been made through the  Trustee, who by the way has been attempting to MAKE the mortgage servicer Ditech  refinance my loan due to the high interest rate, however they continued to indicate the application was incomplete and refused to refinance. I have a statement from a month ago indicating that my loan was not only up to date but paid ahead, and I have an email from my loan servicing stating verbatim, that they doubled my escrow account balance when they put the loan on their system and they owe me over {$12000.00} and was supposed to send me a refund, therefore, I asked my attorney to dismiss my bankruptcy, which he did. Not more than a week later, the loan servicer reversed all payments from the account and according to my online access they state I am past due over {$43000.00} and they have recently sent me foreclosure warnings. I have telephoned them over the past few weeks and spoken with representatives over a recorded line at work where all calls are recorded where they have admitted that someone has done something wrong and needs to be corrected, however I just received a certified letter from the lender,  Ditech  with regarding to possible foreclosure. In addition, in that same week after they reversed all payments they updated my credit report as being past due on my home loan and my score dropped from  XXXX  to  XXXX . In addition, they claim they have advanced {$44000.00} but no one can tell me to whom they paid these funds.
This company reported that I have a collection from  XXXX  balance of  XXXX  from  XXXX / XXXX /  XXXX  .   The last time I had a phone bill with  XXXX  was 9 years ago! The last balance I had with  XXXX  was paid in full and the termination fee was to be deleted as the result of a dispute with the company 9 years ago.   This debt is not valid. Please help!
On XXXX XXXX, XXXX, I signed a lease for a new vehicle. The dealership made errors on the paperwork multiple times, and the paperwork was not finalized until XXXX ( XXXX ).  Our payment due date per the Lease contract was on the XXXX of each month, but because the paperwork was not finalized, we never received a Periodic Statement ( required under Regulation B ) for the first month. At the end of XXXX, we finally received a Periodic Statement dated XXXX/XXXX/XXXX showing a due date of XXXX/XXXX/XXXX, showing the total amount due as {$440.00} ; the amount includes 2 monthly payments ( XXXX and XXXX ) of {$210.00} each, and a late fee of {$10.00}. 

There are two Regulation B violations here, one of which I was able to rectify by contacting the company 's customer service phone number. When I alleged a Regulation B violation, the customer service representative did not know what Regulation B was, but nonetheless agreed to waive the late fee of {$10.00} on the XXXX payment, and remove the late fee from my credit report. 

Second, I asked that my due date for XXXX be changed to XXXX/XXXX/XXXX, which is 21 days from the date of the periodic statement as required by Regulation B. The customer service representative, their supervisor, and the supervisor 's manager all refused this request saying that it was not possible. They informed me that I could exercise a lease option to change the due date ( an option which I only get once ). I informed them that the due date change should not count as my request, and that instead it is the earliest due date allowed by regulation. The manager was combative, telling me that " regulation B is your regulation '', and that his system would not allow him to change the due date for 1 month, or to not count the change as a request per my lease option.
Case number : XXXXThe so-called response from Chase is NOT even signed so there is no way to identify whomever is involved in solving this problem. The lack of a signature suggests a lack of accountability and therefore a lack of integrity which only adds insult to injury. In the meantime the problem has not been solved!
I am just an authorized user on my ex-husband 's credit card. They will not remove me, and they will not change the email address on the account so I can continue to get emails about this credit card that I 'm not responsible for. Which makes no sense because I have no vested interest in making the payments, so they need to change it to his email
In XXXX 2015 mya mortgage was sold from XXXX to Seterus, owing no more than {$160.00} on principal, then Seterus did send to me a letter of welcome but with no information about the money that I did owe on the mortagage, they ask me for a payment of {$3600.00} wich was send it to them on XXXX, then i ask for a pay off cuote and they required from me another payment for the amount of {$3500.00} wich was send it to them on XXXX. I was told by them that this payment was to pay the XXXX tax of 2015. They did not pay tax and send me a refund for the amount of {$2300.00} wich happens to be exactly the same amount of escrow that was transfer from XXXX to Seterus. So there is a balance of at least {$3500.00} that should be returned to me as well. I been calling them every other day and every time they have a diferent answer and bottom line they dont want to refund that money so I hope you could help me a on any way to recover my money that Seterus wants to keep with no rights to retaining it, I do believe that there is some type of discrimination toward me because i don speak perfect englishXXXX. Thank you so much for your time and your attention to this matter. 
XXXX XXXX
This debt collection agency never notified me of the negative information that they reported. I contacted them via phone regarding the best and they refused to have it removed being that I was never notified of any negative information that they reported.. This Debt was paid on XXXX/XXXX/2015, Experience XXXX claim they investigated and as of XXXX/XXXX/2015 the debt was still unpaid which is totally inaccurate. I paid this debt with a Mastercard and there is no way that this should still be reported as unpaid. The agency continues to report inaccurate negative information.
I was rushed into the car by a dealer and financed by this company I was told after talking to at least five XXXX people offshore that I paid over 26k in interest but they dont refinance they compound daily on the amount owed or proposed owed. 

I was then sent to the re write department and was talked to 5 people said they were American and citizens I said that I paid so much for this car I wanted a break and reduce my payment He said we dont do that, YOU XXXX XXXX XXXX XXXX GO SURRENDER YOUR XXXX WHEELS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX REWRITE DEPT AT ALLY XX/XX/XXXX XXXX EST I since paid off the loan with help from another bank, and they still wont credit the account and on-top of it all I over paid the payoff by XXXX and I want that sent to my checking they refused and as of today they still show I owe {$10000.00}, I PAID XX/XX/XXXX XXXX signed by Delivered : XX/XX/XXXX XXXX XXXX  Signed for By : XXXX Department number : Consumer Lending Signed for by : XXXX Delivery location : XXXX , KY