WillisBack/dataset-financial-user-claim huggingface dataset:
I was advised upon refinancing my loan that it would look better if I took on an extended new car warranty. I was advised that it would look better and this would determine if the new company would provide the loan or not.-Per XXXX XXXX XXXX that is not true. I explained to the agent that my car is brand new and has an excellent warranty from XXXX, my car has low miles. I contacted the Credit Union with whom I was placed with and was advised that my loan determination was not contingent upon GAP insurance or an Extra Warranty. On XX/XX/XXXX and XX/XX/XXXX I sent an email to XXXX XXXX to advise him to remove it and he never responded, I called on XX/XX/XXXX advised Mr. XXXX that I needed them removed he told me that I would have to pay a {$200.00} down payment to have the GAP   removed. He advised me that I " refused '' to pay the down payment in the beginning. In the beginning XXXX was checking with the credit union I was advised that I may or may NOT have a down payment. I received the forms, sent them back and then I was told that I would after the fact. By this time that money was spent. That was not a refusal but poor communication on the agent 's part. I explained to XXXX that he never got back with me on the down payment that I did not have a problem paying but after he did NOT communicate it further. XXXX XXXX XXXX covered the entire loan my question is why would I be asked for {$200.00}?. The information I received from I Lending opposed to The actual place who gave me the loan is conflicting, from the suggested requirement of having GAP, Extended Warranties ( my car is a XXXX has a new car warrenty ) to get financed as well as a down payment which seems more like a fee from I Lending and not the credit union. At this point no one has called me back to resolve the matter, I know my rights and want the GAP and Extended Warranty removed ( as I was advised to do by the credit union ).

Also I referred someone to ilending ( before my issues ) company and he used my name to get a referral I was told by XXXX XXXX that I would not be eligible because the party did not use him specifically. Well on the website is says if your refer someone to " US '', us meaning a collective group not an individual. 
Also, I was given this great speech about skipping a payment, I was not told about the fee of {$60.00} that is added to my loan for that. In the end I just ask that they remove GAP and the Extended Warranty- I have enough insurance and don't need to pay for something twice. 

Please contact me XXXX Thank you
On XX/XX/XXXX I purchased A used vehicle for the amount of {$25.00}, XXXX and payed it off on XX/XX/XXXX and had the title to the vehicle along with A letter stating that the loan had been PAID IN FULL mailed out to me on XX/XX/XXXX And yet the account is still showing up on my credit report as A negative account. I have reached out to the financial institution as well as the three major credit bureaus in regards to this issue, and have not gotten satisfactory results
I've already complained about the issue that led up to this but now Wells Fargo is reporting wrong information to XXXX  and my other bank about debit card claims they investigated and found in my favor then decided to reverse. They're apparently reporting this as fraud and screwing up everything I have on top of me now owing them money that I shouldn't owe. They're basically saying they lie about actually investigating anything by doing this. Big surprise another shady move by WF.
As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my TransUnion, XXXX and XXXX credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX  XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated
Ocwen Loan Servicing, first wrongfully reported me to be late in making payment by wrongfully allocating the monthly payment towards the principal and then began to charge late payment fees. They do this on a regular basis. PLUS they reported me to the Credit Reporting Agency for late payment, when we did not miss a single payment to them. What they do is simple. In the month of XX/XX/XXXX ( the short month ) any payment received on XX/XX/XXXX for XX/XX/XXXX is  allocated as a " DOUBLE PAYMENT in the same Month '', as they receive one payment on XX/XX/XXXX and another on XX/XX/XXXX. This works each time as I make my payment reach them on the XXXX of the month. XX/XX/XXXX being 31 days and XX/XX/XXXX being shorter in length, they end up getting two payments in that month. So they allocate a payment without your consent or information to the PRINCIPAL balance, as if by mistake. BUT the intent is to charge you late fee of around {$100.00} per month.

WITHOUT MISSING A SINGLE PAYMENT, they have reported me late. My case Number with them ( XXXX ) and NC Department of Justice ( XXXX ) is ignored and they reported me to XXXX as delinquent ( Case No. XXXX  ). They have done this trick for the THIRD TIME. Their Ombudsman lady XXXX XXXX writes long jargon filled letters that do not address the complaint and try to side swipe their customers with fraudulent charges by wrongful manipulations without your knowledge or consent. OCWEN is a corrupt financial institution like XXXX, that is cheating people and has built-in cheating mechanisms.
I submitted disputes to Equifax in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 2 XXXX XXXX XXXX accounts and XXXX XXXX.
I have fling another complaint against Eltman Law and XXXX. They are cashing my checks for the month of XX/XX/XXXX and XX/XX/XXXX. I tried to call them and a recorded message came on the are not accepting calls. These people are violating the law and commuting fraud. There are too many attorneys and companies involved with inaccurate information. Some company by the name of XXXX claim to be affiliated with XXXX state I owe over {$40000.00} that is incorrect this was settled in XX/XX/XXXX for {$10000.00} and i have paid every month. I plan on filing FDCPA Violations against all that is involved.
I recently attempted to purchase an item on eBay. I tried to pay for the item using my PayPal Smart Connect which had a credit line much higher than what I was purchasing. PayPal would not allow me to pay because as I discovered in a later phone conversation with PayPal, the seller was not set up to accept PayPal Smart Connect. 

In discussions with both eBay and PayPal I was told they could not identify which sellers accept PayPal Smart Connect. In other words a buyer can not find this out until they are at the checkout and have already won the auction. The sellers also appear unable to tell if they can accept PayPal Smart Connect. ( I 've personally surveyed over XXXX so far ). 

I supposedly have a credit line of over {$1700.00} which PayPal supposedly wants me to use. What good is a credit line if I ca n't use it? I feel this at the least an unfair way of denying me a loan or deceptive practice and at worst fraudulent. None of PayPal 's Credit representatives could give me a straight answer and eBay ca n't help either. Meanwhile I 've been humiliated and a seller will needlessly have to re-list the item.
Follow up to complaint # XXXX - Dated XXXX/XXXX/XXXX and complaint # XXXX - Dated XXXX/XXXX/XXXX This is an on going case since XXXX I paid off my entire mortgage loan balance with chase as of date today - Chase still did not issue the lien release of my mortgage. As of result of this, I have not been able to sell my house. 
I have legal Representation who is acting on my behalf. 
His Contact information is as follows : Law Office of XXXX XXXX XXXX, NY XXXX XXXX
A two year contract was initiated with XXXX XXXX. After one year the contract was requested to be canceled due to new residency obtained, and the new independent landlord did not allow the XXXX to be placed on the roof of the rental house. XXXX was unable to obtain a signal on the ground of the rental property due to trees around the property. 

Dish was contacted, and after several attempts the Office of the President agreed to remove the early cancelation fee and the additional 12 months of the contract with notification from the landlord that the XXXX equipment could not be placed on the roof. 

On XXXX XXXX, an email from the landlord was provided to XXXX XXXX who was employed within XXXX 's Office of the President. 

Within one week the XXXX box was returned to XXXX via the slip provided from XXXX ( note the name on the slip was addressed to XXXX, not XXXX ). 

Two years later, XXXX XXXX collection letters began from AFNI. Responses to AFNI along with the notification Email provided to XXXX in XXXX XXXX was provided tot he collection agency in XXXX and XXXX. When the third collection notification was received in XXXX, a phone call was placed to be told the debt is valid. 

Subsequent to the phone call to AFNI, a call was placed to XXXX XXXX. After several escalation requests, the Office of the President was reached, where we were informed that the debit is valid and I was notified previously that the landlord had to provide in writing on their company letter head that the XXXX equipment can not be placed on the roof. 

This statement was told to me, two years later for the first time, and is not even a possibility. The landlord is an independent landlord that rents to college students houses she owns independently, not through a leases company. XXXX clearly indicated the early cancellation fee would be removed in XXXX XXXX, and should be held to adhering to their obligation as I held to mine and obtained written notification from the landlord. the {$680.00} comprises of early cancelation fee, interest and late fees.
I Got it charge off my XXXX XXXX because it was n't me the company keeps bother me about a XXXX $ that I know nothing about
1. XXXX failed to properly validate the alleged debt. 
2. The address on the itemized bill is incorrect. 
3. I never received written notice about this account it just appeared on my credit report. 
XXXX. After XXXX received the last letter on XX/XX/2018, they failed to respond with a response within the allowed 30 days.
I have had this particular card for over a year and I have been in good standing paying off my balance in full each month. I have been spending over {$500.00} a month by making payments before my statement posts, but my credit limit has remained unchanged at {$500.00} for about a year. I was recently denied a credit line increase and I sent a written letter to the company asking for an appeal to this denial as the reasons cited in their automatic reply were vague and offered no guidance as to what would let me qualify for a higher limit. The low limit has caused some trouble when I travel abroad ( such as with hotel check in and such ). The reply I received was not helpful and declined to address my concerns.
Santander bank failed to comply with their funds availability policy ( that the first XXXX $ of ATM deposits will be available on the first day after the day of the deposit. 
This failure caused a " default fee '' to be charged ( by them ) when the XXXX $ was not available the next day. 
On XXXX XXXX, 2015 I made a ( Non-envelope ) ATM XXXX of a {$4000.00} check, and on XXXX XXXX an automatic payment was rejected for insufficient funds because XXXX had decided to hold the funds until XXXX XXXX. 
In the months that followed while trying to resolve this, I have been lied to ( and even threatened ) repeatedly - in person, by phone and by letter. I have never been given any justification for the banks actions except that " they reserve the right to not honor their own policy '' ( a reservation not stated anywhere in their policy ) I am a long time customer in perfect standing ( the account involved is more than 30 years old ) which was well before Santander was allowed to come from XXXX and take over United States banks. 
The are links to the bank 's posted policy and related US bank rules:1-XXXX2-XXXXthe entire Santander account agreement : XXXX
Long story short a payment was missed 2 years ago resulting in the repossession of my vehicle. From the date of the missed payment until the repossession no other payments were missed. Made several attempts to have the payment added to the end of the lease as a finale payment but the company declined to do so. After the vehicle was possessed I began the process of recovery. Paid the past due balance in full as well as misc. fees accrued by the repo process including a new key {$170.00} for the vehicle which brings me to my complaint. The vehicle was taken on a Saturday and I recovered the property on the next available business day to do so. I told the representative over the phone that the key was not necessary and that I have the ability to re-program my key thus making theirs useless to me. I accepted the key over the phone under duress ( stated over phone ) because if not I would n't be able to recover my property. When I signed the paperwork to release the vehicle I included in writing I was refusing the key and left it with the person handling the release of my vehicle. Flash forward a few months and im received threating calls to have my car " XXXX '' or that they will repo ... ..again. Im not too sure how this process works but im not a fan of how this company has conducted themselves thus far and hopefully this will help my voice be heard.
I received a loan check in the mail from 1st Heritage located in XXXX, LA .. XXXX XXXX XXXX..in the amount of {$1200.00} it hit their bank as XX/XX/XXXX ... I repaid {$1200.00} and {$20.00} and XXXX.. They are trying to charge interest in excess of of 26 days of interest .The loan really hasn't been originated since I paid off before 30 days .. I was told on the phone that the loan was due to be repaid on XX/XX/XXXX ...  so they are definitely loan sharking. I would like them to accept the two fees and the amount of the check back as payment in full ... {$1200.00}
On XX/XX/2018, I transferred {$2500.00} to my NFCU checking account from my account at another bank in an attempt to pay of 2 ( TWO ) credit card balances for an offered amount from NFCU of {$2500.00}. I sent an eMessage in the secured message center of the member area indicating that the above stated amount was transferred and authorizing that the balance be paid for the offered amount for the 2 ( TWO ) credit cards stated in the email. I received a response a couple of days later informing me that {$2500.00} was drafted from my account to pay 1 ( ONE ) credit card. I did NOT authorize the amount drafted, nor did I authorize it for only ONE card. I replied to the message via the secure message center stating this, and received another response stating that these matters can't be discussed via eMessage and that I would have to call. I prefer emails so that there is written proof of what occurred. Last week, I received an email from the " Recovery Department '' stating that my husband did not pay off the balance owed on his card and I received one today stating the same. I emailed the recovery department last week and was told that my email was not secure and that they could not speak about it in such a manner. Attached are all of the copies of emails and letters as well as a bank statement showing the amount drafted from my account.
I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report : XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX  unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.
Pretty simple, really. Just like many, many others, when visiting annualcreditreport.com and requesting all XXXX credit reports, I received only XXXX ( XXXX ), and the others ( XXXX and XXXX ) both reported " errors. '' How can we trust these agencies with our financial information if they ca n't even follow the law and provide annual free credit reports without having to resort to mailing documents and such. They clearly are intentionally mishandling the requests for free reports, and make it difficult to obtain them - unless of course you want to pay for it. 

It 's despicable. Sad, really. Pathetic, even.
I have disputes this charged off account and tried having it removed off my credit. I have asked for verification and proof of verification. 

I have filed a report with FTC
XX/XX/XXXX AmeriTech contacted my cell. They had all my personal information, including my social security number. Not knowing I went along and set up to what I thought to be a repayment to my student loans. Fast forward to XX/XX/XXXX, I felt that there should have been some sort of decrease in what I owed towards my XXXX XXXX school loans. Not one penny was put towards it. AmeriTech became harassing. They called everyday, same time and emailed everyday. When I called to confront them, they were nasty, I have saved emails.
I have sent transUnion certified letters staring on XXXX/XXXX/2017 and XXXX/XXXX/2017 about inquiries that are unauthorized and on my report, Transunion hasnt disputed them or deleated them inwhich they are not going by the law ... these are the unauthorized inquiries that must be removed from my report ... XXXX2017 ... XXXX2017 ... XXXX XXXXXXXX/2017 ... XXXX2017 ... ... XXXX XXXX.XX/XX/2017
I WAS A CUSTOMER OFF WELL FARGO BANK A BOUT 10- 7 YEARS A GO THEY OPEN CHECKING ACCOUNT FOR ME I HAD A FEW OVER DRAFT THEY CLOSED I DID PAY UP THE OVER FEE NOW SOME ONE USED MY INFO.TO OPEN A NEW ACCOUNT I TRY TO LET THEM NO ITS NOT ME BUT THEIR IS NO ONE TO TALK TO NOW I HAVE PROBLEM OPEN IN A NEW ACCOUNT
I sent money via western union today. I checked the market from the time I walked from the counter to my vehicle and the exchange rate was much higher than what I was given. When my recipient picked the amount up in the same day it was still much higher. Where is my money going? Why was I not given at any point the exchange rate of today at any point during my transaction. I lost over 110- 115 pesos per us dollar. This is upsetting seeing that my amount of dollars was not small. My western union tracking number is XXXX todays dat is XX/XX/18 and I was given a rate of of XXXXUSD = XXXX after XXXX eastern time. I have been checking the rates online and they have been well over 1USD = XXXX at the time sending and XXXX of pickup and actually even higher at the time sent. I want to know what and where my money is going since Western union is not keeping up to the exchange rate of the day?
Fri, XX/XX/XXXX, XXXX XXXX  Received " Closing disclosure '' from Eagle home Mortage where " Cash to Close '' amount was displayed as {$31000.00} XX/XX/XXXX was the title signing appointment at XXXX XXXX  at Title company office Wed, XX/XX/XXXX, XXXX XXXX Received another email from Title company manager with wire instruction and final signing statement where the " Cash to Close '' amount had been changed to {$32000.00}. 

I did check with Eagle home mortgage/Title company and Title company and below is the response I did receive. 
" difference that youre seeing between this CD ( issued XX/XX/XXXX? ) and the Final one, issued today, is the Seller credit. The seller credit on the CD issued on XX/XX/XXXX, was {$5200.00}, but this was {$880.00} too high. Per your contract, the Seller will not pay for any recurring closing costs, which is where the {$880.00} is going to. The seller credit was reduced down to {$4300.00}. The amount to close of {$32000.00} is correct, although {$880.00} higher than the CD you saw on XX/XX/XXXX. '' With XXXX XXXX  this is the response I have received You have 2 options as of now Option 1 : Go as per your schedule signing date and signed the title and pay the " Cash to close ' amount as {$32000.00} and then everything will go as planned ( wiring the funds before XX/XX/XXXX, second walk-over on XX/XX/XXXX XXXX XXXX  and key released by XXXX XXXX  on XX/XX/XXXX ) Option 2 : Send me an email that you are backing out and I will send the cancellation docs and the contract will be canceled and builder will keep the Earnest money because you are the one backing out from this contract. 

They ( Eagle Home Mortgage ) did not change the amount as per the " closing disclosure of XX/XX/XXXX '' which I and my wife had signed electronically. 

Finally, I had to reschedule my appointment for XX/XX/XXXX at XXXX XXXX  for title signing and there I was asked to sign the new " closing disclosure '' with the higher amount. ( which was sent to me on XX/XX/XXXX ) I had wired the funds on XX/XX/XXXX evening and on XX/XX/XXXX I did receive the house key.
Receiving numerous calls to collect a debt. Never given the name of the agency phoning. States it 's an attempt to collect a debt for XXXX XXXX XXXX. Informed them not to phone as I this is n't my debt. I 've been a victim of identity theft twice. Have police report & court documents showing individuals charges & time served. They refuse to stop phoning. As a XXXX senior, this is causing health issues regarding my anxiety, causing panic attacks. Please have them stop harassing me. This is not my debt Thank You
Navient, formerly known as XXXX XXXX, has reported 3 of my payments as " late '' to credit agencies when the payments were not late. Although Navient has reversed the late fees that they had initially charged, once I brought to their attention that there were no late payments, Navient has never notified the credit agencies of this error. The dates/months/years falsely reported as " late '' are as follows : - XXXX/XXXX/2010 ( was charged a late fee in the amount of {$25.00} ; fee was reversed the same month ) - XXXX/XXXX/2010 ( was charged XXXX late fees : {$20.00} AND {$13.00} ; XXXX fees were reversed the same month )