WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/ 2015 I received some document in the mail stating that i purchased a vehicle which i had no knowledge of, from the above mention company ( XXXX ). At that time I started my own investigation, I went to XXXX Police Department regarding credit fraud. After receiving my police report I went to the speak with the finance department at the dealership ( XXXX  ) where the finance Manager stated that I was not the person that signed the documents for the purchased of a vehicle in front of him. I spoke back with -- date XXXX and they assured me that everything will be taking care of. 
XX/XX/XXXX I received another letter from a miscellaneous company stating that I owe {$14.00}, XXXX for a vehicle that I never saw, purchased, and I never wanted it for that matter.They state that the money is due within ( 30 ). 
In conclusionI feel that when someone takes advantage of your credit you should not be responsible and should be conforsated for the heartache and pain.
# XXXX We have a 0 interest card with Citi. I made XXXX payments in XXXX after the XXXX intended to be paid towards XXXX XXXX due date. {$100.00} cleared XXXX XXXX ( the due date is the XXXX monthly ). Citi applied that {$100.00} to XXXX rather than XXXX so I got a notice I had n't made a payment on time. The second check for {$45.00} was correctly applied to payment due XXXX XXXX. It cleared XXXX XXXX. Because the {$100.00} was applied incorrectly my XXXX XXXX payment was short. I talked to XXXX people in customer service and sorry, they could n't back the {$100.00} out and reapply to amount due XXXX XXXX. We are self employed and credit is very important buying real estate.
I received a pre authorized credit from Capitol One in the mail. To boost my credit score I decided that I would apply XX/XX/18. However, I received an email on XX/XX/18 requesting for me to SEND a COPY of my SS CARD via email, fax, or mail. I do not feel these are safe methods to protect the consumer. Anyone can make a simple error in an email or fax and it goes to the wrong person. Anyone can open someone's mail as this has happened before. I have been a victim of FRAUD in the past and this process scares me. 

The supervisor stated Federal Law requires this. However, were does Federal Law protect us when applications are online and that there is NO safe way to provide the information they are requesting us to send. 

I have no problem providing proof of address through these methods, but effeminately NOT my SS CARD. 

I have spoken to a supervisor XXXX at Capitol One and said that the Federal Government requires that they get this information. I do understand regulations but then there needs to be options to go to a local Capitol One Bank and Present for Visual Verification of the information and that person from the bank can then mark on the application that they verified the information. NO copies should be made to be faxed. 

Not once did say they a had any secured way to provide this information. 

This has lowered my credit score by XXXX points!!!! I am trying to improve it not destroy it.!!! 

Thank You for your time. 

XXXX XXXX VERY CONCERNED CONSUMER
I initiated my request for a loan modification with Seterus on XXXX/XXXX/XXXX. In order to get movement on my modification, I had to to reach out to my investor, XXXX, directly in XXXX/XXXX/XXXX. 
Seterus offered me a Trial Period Plan on XXXX/XXXX/XXXX which required that I make {$890.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All these payments were made as agreed. To date, I have not received my permanent modification documents. I talked to a Seterus customer service representative, XXXX XXXX, on XXXX/XXXX/XXXX. 
XXXX said that modification papers were being drawn. 
The documents had not arrived by XXXX XXXX, so I called Seterus and talked to XXXX on XXXX/XXXX/XXXX who said that the documents were being generated. To date, no modification documents have been delivered to me.
I leased a XXXX XXXX XXXX VIN # XXXX on XXXX/XXXX/XXXX from XXXX XXXX in XXXX, MD. The car was new with XXXX miles on odometer ; presently XXXX miles. After all leasing paperwork was completed to lease this car ; the salesman INFORMED ME AIR BAGS ARE NOT WORKING AND I WOULD HAVE TO BRING CAR BACK TO MAKE THEM OPERABLE. He said he had to KEEP all of my leasing papers ; no paperwork for me at all! 
Everyone at dealership was aware of airbag problem but me. To make it worse, the car has had problems since I have had it. This car would not even pass inspection so why was it on the lot for sale? I have asked repeatedly for my copy of the lease ; to no avail. XXXX person sent a XXXX page " lease '' on letter size pages and parts were obviously obscured and it was n't readable. I received THREE different stories on airbags including " oh so you 're the one who bought it ''. The COO, XXXX, basically said I was stupid and why did I buy the car! Was very rude, yelled at me ; offered me to bring car back and he would APPRAISE IT then find another car. He promised to call me back ; of course I have n't heard from him. The XXXX, XXXX XXXX, was very ANGRY towards me along with arrogant, rude, constanting interrupting me and uncompromising. Something would be said about a recall ; but this was not a recall! He said he called me several times ( no record in my call history ) but I have found that they lie easily. The XXXX actually called ME a liar! Legally, as of XXXX XXXX Federal Law mandated that every automobile have working air bags when sold INCLUDING new cars. In XXXX ( XXXX ) of XXXX Part XXXX : Defect and Noncompliance Responsibility establishes requirements for format and contents of manufacturer notification to owner who is first owner of motor vehicle and motor vehicle equipment of a defect relating to motor vehicle safety and noncompliance with a Federal Motor Vehicle Safety Standard. As of XXXX XXXX, XXXX Federal law required XXXX information on certification label affixed to motor vehicle to provide consumer with information to assist with Federal Motor Vehicle Safety Standards. This makes my car an illegal lease agreement and the sale null and void. I have tried working with American Honda Customer Service Liaison, beginning XXXX. The case number is XXXX. The " arbitrator '' was always a man named XXXX and we never agreed even closely to rectifying the illegal sale. We spoke several times over a period of months but with no resolution. He was definitely a XXXX employee. The car malfunctions are too numerous to list here ; but the brakes grabbing unexpectedly, the car 's missing when accelerating, making noises while driving and after car is shut off, and that auto lights do n't always come on are the most serious safety hazards. Help!
On XX/XX/XXXX, rep from the company called me about my bill, I had do not call on my account since XX/XX/2017, I had been off sick due to XXXX XXXX which I was just coming out of the doctors office I asked the rep why she was calling me told her repeatedly that I was sick and that she shouldnt be calling me, I told her I was not feeling well I would take care of my be she kept talking told her again Ive never been late on a bill have excellent credit and I hung up, XX/XX/XXXX another rep called me for the same reason I advised rep I have dont call me before I answered they called me repeatedly over n over so I could answer I was very ill told rep I had got bad health news regarding my hurt she continued I hung up
Hello, I opened an account with with XXXX XXXX on XX/XX/XXXX. I fell on financial hardship and wasn't able to pay any longer. They sold my account to portfolio recovery they started reporting XX/XX/XXXX. I sent them a validation letter all they sent me was a bill back their wasn't a contract or an original signature attatched to it. I also looked up and they aren't able to collect in Maryland because their license expired in XX/XX/XXXX. It is a violation for them to collect with an expired license due to the FCRA.
XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on  XXXX  currently they just reported I was late 90 days,  34  times and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's on two occasions, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from my credit report.
XXXX XXXX sent my debt to a collection agency. The agency was called " Receivables Performance Management. '' This agency sent me a letter stating that if I paid XXXX by XX/XX/18, that the remainder would be forgiven, and the balance be considered " settled in full '' and those words were in BOLD font. After reading the letter I received, I was given to understand that I would not receive a forgiveness of debt XXXX, that this was a " settled debt ''. 

I called in to confirm that this was correct, and identified myself and stated that I would do so. they wanted credit card payment but I stated I would be sending a check. They said it had to be received by XX/XX/18. I accepted the offer and complied. 

I sent the check on XX/XX/18, and it cleared my bank XX/XX/18 in the exact amount stated on the letter from Receivables Performance Management , LLC. 

I was declined for a car loan yesterday by XXXX XXXX XXXX XXXX due to this derogatory information. I can only assume my credit score would be improved if this had been corrected in XXXX when it was paid. 

I went to a XXXX store today and was connected DIRECTLY from their store line XXXX to XXXX XXXX XXXX, who ( XXXX XXXX ) stated that they " had no North Carolina Insurance Permit '' and that I owed the remaining {$440.00}. They said that they had been assigned the debt on XX/XX/18, and specifically stated that XXXX had assigned the debt to them. I am also enclosing an email from XXXX XXXX dated today showing my debt is marked " no balance due. ". 

As I was inside the XXXX Store ( 3rd party retailer ) the Customer Service Agent heard the XXXX XXXX  person say that " only XXXX '' could correct this and the XXXX person say that " they had no control '' over this debt. 

It appears that XXXX sold this debt twice. It was clearly assigned to RPM, LLC and I met their offer and timely replied. RPM gave it back or sold it to XXXX XXXX. I even got an email today showing a " confirmation number '' of paid in full from RPM. Settled in full means settled in full. It doesn't mean another go round. 

My bank, through their online bill pay system put the phrase " payment on account '' instead of " payment in full settlement of a disputed amount '' on the memo line. I was unfamiliar with the online bill pay system and put the " comment '' field different from the " invoice '' field, and so it did not say " settled in full '' on the check, but my bank has an internal record of that request. I am not upset at the bank, they did their part and sent the check to the collection agency.
I signed up for a new checking account with Wells Fargo on X/XX/17 during a promo they were running. I am suppose to recieve a bonus of XXXX dollars after I made XXXX debit card transactions and online statements. I met all the requirements and emailed customer service on X/XX/17 to inquire about my bonus. I was told that I would have to fill out a XXXX form and mail it back when received, I recieved the form on X/XX/17 filled it out and mailed it back. I emailed customer serivce on X/X/17 to inquire about the bonus and told it was under investigation and I would recieve a respnse within 14 business days. I emailed again on X/XX/17 and recieved the same exact message about 14 business days and it was under investigation.
Upon recently contacting Pinnacle LLC in XX/XX/XXXX to resolve a debt from XX/XX/XXXX, my XXXX, XXXX, was given incorrect and misleading information by the employees that took her payment and information that day. This is her statement : " I called the company, expressed a desire to inquire about a settlement amount, and was told I was being connected to the department that handles account payoffs/resolutions. I was told by whomever answered the phone when transferred, by Pinnacle LLC, that it would be removed from our credit report, and that support of that would be sent via the mail and email. 

When nothing arrived, and the debt remained, ( though it is being reported as paid via settlement arrangement ) I contacted Pinnacle LLC on XX/XX/XXXX, and was informed that it was not their company that made that promise, or financial arrangement, but rather a company called " XXXX '' and that the information is slated to remain on our credit report until XX/XX/XXXX. I also was told, no less than 5 times, a phrase that was not mentioned at all when I contacted XXXX in XX/XX/XXXX to resolve the debt ... that their company " does not have a pay to delete program '' I informed the supervisor that I spoke to on XX/XX/XXXX that I found it odd that phrase was not said once when I 'd called before, and that it was almost comical that it was being said repeatedly, and that obviously that is a problem they are used to arguing with clients who trying to resolve their credit reports. 

To reiterate when I called to pay off this debt, at no time was I aware, nor did that person disclose, that I was being connected to another company, called " XXXX '' - a company which is not listed on our credit report, and one that Pinnacle does not have the right or legal authorization to allow them to handle payment of our funds, nor, as far as we can tell, who has permission to collect on that debt.
I started receiving bills sometime in XXXX or XXXX from XXXX XXXX from out of no where. I know I do n't owe them anything because I just paid off my XXXX contract and I had n't gone to see the XXXX in over a year and every time I went in to see them I had to sign a contract for services and pay before they started any sort of treatment on me. I had a XXXX balance on my account. I contacted the office talked to XXXX who was going to look into it for me because she showed a XXXX balance on my account on XXXX and on XXXX. Did n't hear anything back. I still kept receiving bills. I contacted the office left messages for the manager to call me back, never received any calls. I called the XXXX number left messages to send me a detailed explanation of what I was being billed for, date of service, copy of contract I signed on this date of service, and what my insurance paid for. I just kept receiving invoices requesting money and they added on late fees. I sent the company a letter requesting everything I asked for on my voice message and instead was sent to collection. At this point I 'm really upset and I do n't know what to do. I 'm still receiving bills for the late fees from XXXX but they already sent the bill with the late fees included to collection?? Is this even legal?
I have attempted modification request with my mortgage lender Wells Fargo ( WF ), recently and was declined for unjust reasons which will be outlined within. Im filing a complaint due to a decline letter dated XX/XX/XXXX, that was received from XXXX XXXX, which represents WF. 
WF, has flagrantly declined any options for my family to retain ownership of our primary residence which was acquired utilizing my Veterans Affairs ( VA ) benefits. According to the decline letter WF, has grossly misrepresented my monthly earnings in an attempt to not work with our family. We feel that this retaliation is also a result in part of a litigation matter that was brought against WF in XX/XX/XXXX. 
The income reflects two different amounts one amount is {$5600.00} and the second is for {$4500.00}. My actual income is just under {$6000.00}. I demand that there be another review in order for us to correctly identify my abilities to repay my loan. I implore your office to reopen a new review and allow us to provide the necessary documentation to reflect our true income as it stands.
Caller called from XXXX indicated I owe a debt and they are calling to collect. I do NOT owe any debt other than my mortgage, student loan and credit cards that are ALL current
I am trying to modify my mortgage and I need assistance because my lender is not trying to assist me.
I signed up for the Barclay 's XXXX XXXX with XXXX benefits ( I am XXXX XXXX XXXX ). Benefits were waiver of annual fee and 0 % interest while I am on XXXX XXXX. Recently, I received notification that Barclay 's had reinterpreted their XXXX benefits and would no longer be waiving the annual fee ( I would be charged on the anniversary of my enrollment.
Signed up for Experion 's " TustedID Premier '' service on XX/XX/XXXX, which was the last day of the offer. Received their Activation Email at XXXX. At XXXX was unable to sign up due to " System Unavailable ''! At XXXX it was " high volume ''. Tried a different computer at XXXX with the same results. Called their Customer " Support '' at XXXX and spoke with XXXX who promised to " escalate '' my case. Called them XX/XX/XXXX to followup and was told by XXXX that the offer was expired and could not be overridden. Requested a supervisor and XXXX told me the same same thing. Offer expired -- -can not be over ridden etc. She said they would again " escalate '' my information for further review and get back to me in 10 days or so. Of course, I never heard back from them. Evidently, " escalate '' to them has a different meaning.
We got {$16.00} worth of dormancy fees taken off a {$25.00} card. It seems exorbitant.
I feel I am being XXXX against by Capital One due to my recent complaints with the CFPB by exercising in good faith my rights under the Consumer Credit Protection Act. I feel that Capital one has refused me a credit line increase when I qualify and abided by Capital One requirements for eligibility for a credit increase. I also feel that CFPB Case No : XXXX in which Capital One responded to my complaint, was full of misinformation and shows a pattern in which Capital One seems to deny its consumers a credit increase, even when the consumer qualifies
On XX/XX/XXXX, I successfully settled with JH Portfolio ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with JH Portfolio for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is JH Portfolio/XXXX XXXX XXXX still reporting the forgiven balance as past due?
I see that the CFPB has already fined Residential Credit Solutions ( RCS ) with a {$1.00} XXXX dollar fine for illegal mortgage service practices. It seems that RCS has committed the same practices on me. On XXXX/XXXX/2015, I received a letter from my previous mortgage loan company, Residential Credit Solutions, that I was NO longer required to pay Private Mortgage Insurance. Per a recorded conversation with them, it was confirmed that the PMI was cancelled on XXXX/XXXX/2015. However, I continued to be charged PMI in the form of Escrow. I faxed a copy of my complaint along with their original letter to RCS. I received a reply from RCS wth a confusing breakdown that they supplied. Their response as to why I was no longer required to pay PMI, but, NOW have to pay Escrow was not satisfactory, nor, reasonable. Months later, my loan was sold to XXXX. XXXX continues to charge the monthly escrow. I will attach documentation to support my claims with this complaint.
I have requested for substantiation of this debt and instead of verification documents I received more bills. I contacted my hospital clinic where they confirmed, I have no outstanding bills. Progressive Management Systems has not provided any proof of the debt and instead continues to report me as delinquent, which is impacting the ability for me to get a mortgage loan. Please help me!
The loan officer is the worst person ever. 
I was looking for a home and my realtor said he was the best i trusted him and when i had issues i would always get a message saying he is out of town he is too busy to deal with my XXXX. When it came time to close for my house i didnt even know they had increased the amount for my down payment even though they knew i didnt have the money. They said you dont get the house if you dont have this money and told it was the only way from the beginning. But they never told me that. He never answered my calls or text or asked me if i was comfortable with any of his decisions. I was very offended with his attitude and the way he mistreats people he works with. and will never evveeeerrrr do buisness with him. From XXXX The loan officer they work with needs to be investigated, XXXX XXXX at XXXX XXXX. Tel : ( XXXX ) XXXX
I have automatic ACH payment processing setup with my mortgage company, PHH Mortgage. The payment is configured to draft from my checking account on the XX/XX/XXXX of each month. In the management section of the website where one can configure their payments, there is an option for additional principle payment along with your standard monthly mortgage payment. 

The day after my XXXX payment ( {$2500.00} ) was processed, I configured an additional principle payment of {$43000.00}. In the beginning of XXXX, {$45000.00} was debited from my account. This was expected as it is the sum total of my standard monthly payment with the extra principle I chose to pay. On XX/XX/XXXX, I logged into their account management website and removed the {$43000.00} additional interest payment, as I wanted it to be a one time payment. 

On XX/XX/XXXX, PHH Mortgage again attempted to debit my account for {$45000.00}. Upon calling them, they acknowledged their mistake and assured me it would not happen again. I explained to them that I was extremely unhappy as their mistake had caused both of my accounts to be overdrawn, essentially freezing all of my available funds and that I did not want this to happen again. They assured me once again that the issue had been addressed on their end and that the ACH payment would not be retried. 

On XX/XX/XXXX, they once again attempted to debit my account for {$45000.00}, again overdrafting my accounts and freezing all available funds. All of my funds have been frozen for at least 4 of the last 7 days because PHH refused to proactively intervene. 

I understand mistakes happen, however, there are a couple of issues that concern me here : First, they did not process my request to remove the additional principle payment until XX/XX/XXXX even though i initiated this change on their website more than two weeks prior. This would indicate to me that while I am making changes to my account electronically, there is still some sort of manual process being followed on their end that requires human intervention. I would suspect that there are federal regulations regarding this sort of thing to which PHH is not in compliance.

Secondly, PHH indicated to me that once an ACH is initiated on their end, they have no control to stop it or the subsequent retry attempts that may result from NSF situations. Again, I would suspect that this is not true and that there are probably federal banking regulations to which PHH is not in compliance.
After I've made the total balance due amount of {$4200.00} to the creditor, Grant & Weber is still posting {$1800.00} as an collection charge on my XXXX credit report and deny my dispute in multiple times.