WillisBack/dataset-financial-user-claim huggingface dataset:
I started the loan process with a company. The first error was with loan interest rates and points. I was told one thing and then suddenly the amounts were different. I was told by the broker I would not be charged for an appraisal until that was the only thing left to finalize the loan and the loan was going to be approved. I was sent an email saying there was an issue in underwriting and suddenly everyone stopped communicating with me. Then, I got a call from a lender verifying more info. I called the broker and she acted like she had no idea what was going on and said she would check into things and get back to me. It has been over a week and I am still out {$550.00} for the appraisal and I have no idea about the status of my loan.
Ally has restricted my ability to make payments, receive statements, or view applied payments. When I sign in, it says " no vehicles ''. When I have spoken to Ally, they said I can no longer make payments online, but have not been able to tell me why I can not view my billing statements or payments applied. They have provided zero resolution. I received an email that says my billing statement is now available, by yet ca n't see it since Ally restricted my internet access. I also made a payment, and have no idea if they applied it. I 'm entitled to statements and should be able to see what payments have been applied. Attached is a picture of what I see when I sign in, everyone though I have been assured I can view my vehicle.
Good morning all, I have two credit cards that were opened in my name. These are not my accounts due to someone opened these accounts without my knowledge. I am disputing these charges and the credit card companies are moving forward trying to collect the money owed on the accounts. I have filed a complaint with the Federal Trade Commission. I want these accounts taken off my report as I'm not responsible for the charges.
On XXXX XXXX, XXXX Midland Funding ( who had purchased a credit card debt from XXXX ) filed a complaint against me in XXXX XXXX Georgia Superior Court via the law offices of XXXX. 

On XXXX XXXX, XXXX the law offices of XXXX contacted me in writing offering a resolution to the case without further legal proceedings. Through written communication with XXXX a payment agreement was met. I agreed to and paid the law offices of XXXX a total of {$1800.00} in {$75.00} monthly installments between XXXX XXXX, XXXX and XXXX XXXX, XXXX to resolve this debt. 

On XXXX XXXX, XXXX attorneys from XXXX filed an affidavit in XXXX XXXX Georgia Superior Court on behalf of Midland Funding stating that I became in default on XXXX XXXX, XXXX by virtue of " filing no answer '' - which is what their settlement / resolution agreement with me was intended to prevent. 

On XXXX XXXX, XXXX a judgment was ordered and filed by the XXXX XXXX Georgia Superior Court in favor of Midland Funding and awarded them {$1800.00} - {$1500.00} in principal and {$250.00} in court costs - which I had already agreed to pay the law offices of XXXX to prevent these legal proceedings. 

To this day there is still a Civil Judgement showing on my credit reports. Though it now shows " Satisfied '', the judgement will remain there and impact me financially until at least XXXX of XXXX. 

I have all of the communications from the attorneys and copies of all the court documents - including a completely different set of court documents issued from a different attorney in the XXXX that I was forced to sign agreeing to the repayment that never made it into the court records.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$430.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
XXXX/XXXX XXXX store card closed a fraud account that was in my name. I still have them reporting on my credit report and still paid down the balance that I didnt use. They keep reporting derogatory remarks and statements on my credit report messing up my FICO Score. I have been through with them on this issue. I dont receive no bill or statements. XXXX/XXXX XXXX store card closed my account due to fraud. So why are they still reporting on my credit report? Why am i not getting a bill? Why am i not receiving any statements? I paid more than the remaining balance on a fraud account. Help me please!! I had to sign up so i can see the statements.
XXXX XXXX/XXXX stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from XXXX XXXX that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of {$150.00} on 9 consecutive months. The first month was XX/XX/XXXX- XX/XX/XXXX. Again I have all paperwork that backs my statement. On ECMCs website I was able to look up both of loans. Since ECMC became my lender. I noticed that on XX/XX/XXXX they stated that there was an rehabilitation repurchase payment from a lender for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they dont have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, XXXX XXXX and XXXX are the ones who are not telling the truth. ECMC took my refund from the I.R.S on XX/XX/XXXX. The total was {$3900.00}. On XXXX website and on ECMC website, they state that there were payment reversals. There where 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the {$3900.00} for my taxes. I never saw that check, nor  did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from XXXX, ECMC, or XXXX, no where does it ever show what payments went too, or a balance. There are more little mistakes that all three seem to keep making. If and when you decide I have a good case to sue, we can go over those too. 
Ecmc-ca stated in XX/XX/XXXX, that I defaulted by not making six consecutive payments. I found the paperwork that shows I made 9 consecutive payments. ECMC said I defaulted so they could wage garnish. When ECMC started me on a rehabilitation loan they never set me up with any paperwork. From their website I was able to see that there was a Rehabilitation Repurchase Payment. I asked ECMC to show a running total of what I paid. They never reply to any of emails, phone calls. I have all the paperwork that shows payments made to them that total over {$15000.00}. When other lenders would buy the loans, it never showed me paying anything. XXXX/ECMC are the ones who I paid from {$15000.00} - {$18000.00}, yet I never see this anywhere. What can I do? 
Thanks XXXX XXXX
I HAVE NO RECOLLECTION OF OWING THIS DEBT. I HAVE ASKED FOR PROVE OF THIS SUPPOSEDLY CALLED DEBT THAT I OWE.
I have a   bankruptcy showing on my credit report with Equifax. I filed a dispute on Sunday  XX/XX/XXXX  to have it removed. They show the investigation was completed on  XX/XX/XXXX  and they said they verified the correctness of what they were reporting through   XXXX   XXXX  . I contacted   XXXX   XXXX   about this and they did an investigation to check the validity of the bankruptcy and I received notice in XX/XX/XXXX that   XXXX   XXXX   had removed the bankruptcy from my national credit file with their company since they could not verify the bankruptcy. I then filed disputes on XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and all of these disputes were to get Equifax to remove the bankruptcy from my credit file since the third party company they use to verify the information had deleted the bankruptcy from my file with them. All of these disputes came back with the same response : The Results Of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor,   XXXX  
  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   GA   XXXX     XXXX   XXXX   XXXX   > > > We have reviewed the bankruptcy information. Case or ID #  XXXX  The results are : We have verified that this public record item is reporting correctly.
I find this kind of odd because I received a letter from   XXXX   XXXX   dated  XX/XX/XXXX  which was shows there was no bankruptcy on my file with them. My dispute with  Equifax  dated  XX/XX/XXXX  yielded the same response fro m Equifax a s all the other disputes. I then on  XX/XX/XXXX  filed another dispute with Equifax to have them remove the bankruptcy. I pulled my credit report from Equifax on  XX/XX/XXXX  and it shows the bankruptcy was still there but they had changed the updated date of reporting to XX/XX/XXXX . I called the Equifax automated system on XX/XX/XXXX and it stated that the investigation was completed on XX/XX/XXXX . Again I find this ridiculous that they did not remove it this time as I uploaded the letter from   XXXX   XXXX   that I received in  XX/XX/XXXX  stating that they had removed it from their records and I also upload the report that   XXXX   XXXX   sent me dated XX/XX/XXXX  showing that their were no bankruptcies listed on m  y credi t file with   XXXX   XXXX   ( company Equifax us  es to verify public records )
Please investigate Chase Bank credit score reporting practices. They are discriminating on the basis of neighborhood XXXX composition or income when they hand out " free '' credit scores. Evidence from today XX/XX/18? My FICA score with XXXX is XXXX, with XXXX credit score is XXXX, both excellent ratings and deservedly so. My credit score with Chase is XXXX, a B score, and it contains misinformation regarding my account history. 

What Chase is doing to me is irrelevant -- nothing will change in my life. What Chase is doing to people on my block and in my neighborhood is a crime. Chase is preventing my neighbors, who have no idea that their credit scores are being underrated, to suffer the consequences when buying a house, home, etc.
I refinanced my car with Flagship over a year ago, I went through the application process and sent you all the information required and you in return paid my loan with XXXX XXXX. My first car payment was not due until early 2016. During that time I was told that I could only change my due date only once and it will remain the same through the life of the loan. I did change the due date to the XXXX to accommodate my pay schedule. After I made that change my company decided to change our pay periods without giving us notice. I called customer service to have the due date changed to accommodate my new pay schedule, the representative said I had already changed it and I could not change it again. 

Now my issue with your company is that first I did not receive a copy of the contract that I signed and I have been unsuccessful in obtaining that. Second, I feel that a customer should be given the courtesy to change there due date at least once time a year but your policy does not allow that. Third, I am getting charged late fee every month when I make my car payment and no one in your customer service department has not been able to explain what amount I am being charged.I cant afford to keep paying late fees plus my regular car payment. I explained to the rep I can make my car payment on the XXXX of the month and she told me that would be noted. I am continually getting up to XXXX customer service calls a day from your company and they are the most disrespectful human beings I have ever encountered. I trust this is not the way your awful company conducts business with valued customers. 

I am completely mortified with your companies polices, bad customer service and the interest and late fees. I regret ever refinancing my car with your company. I never had these problems with XXXX XXXX.
After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from XXXX XXXX XXXX on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully metro 2 compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.
I opened my BBVA checking account on XX/XX/2017 to take advantage of an online offer the bank was promoting. The promotion details can be found below. I met all the requirements and contacted the bank via their secure messaging system. Each time, they tell me to visit a branch, however this was not part of the promotion and there are no branches near me.

You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, Clearconnect Checking, and Easy Checking.

Eligible accounts for residents of AL, AZ, CA, CO, FL, NM, TX include BBVA Compass ClearChoice Free Checking, BBVA Compass ClearChoice Interest Checking, ClearConnect Checking, and Easy Checking.

Only BBVA Compass ClearChoice Interest Checking and ClearConnect Checking are eligible accounts for residents of all other states.

Offer is valid for accounts opened in branch, online, or by phone Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them.
Id like to file a consumer report. There is an error on my account and the company no longer has a hold on this account.
Im not sure what it was about form of debt not sure I keep getting phonecalls and ask to be taken off the list.
On XXXX/XXXX/XXXX I paid my XX/XX/XXXX mortgage payment online at Capital One anticipating that I was to pay it off entirely soon. On XX/XX/XXXX I paid the mortgage off after ensuring that the XX/XX/XXXX payment had also been made. The web site showed that the next payment was not due until XX/XX/XXXX. In spite of this and that I had paid the entire mortgage they took another payment on XX/XX/XXXX. By this time they had removed my account from the web site with any information about the mortgage so I called the XXXX number for Capital One. After explaining the problem I was told that they would transfer the money back to my checking account in 3 to 7 days even though I told them that they had taken the money from my account and I needed the money to pay bills now. 
Seven days later ( XXXX XXXX or so ) I called again since they had not returned the money yet. I was told by XXXX that I had to wait 10 to 15 days and they would then send the information to another group who would write a physical check and then mail it out to me. I told them that this was not acceptable. She told me she would check on what they could do and get back to me within two hours. She never called back. 
I was away the week of XX/XX/XXXX to XX/XX/XXXX and found a few messages on my answering machine when I returned. XXXX from the President 's line at Capital one 360 told me that since I did not answer all of her calls she would not call back again but she left a number ( XXXX extension XXXX ) where I could call her. I called on XXXX XXXX but have not received a call back yet. 
Also on my return last week I found an overnight envelope propped against the door. It contained a check From Capital One made out for the wrong amount from a nonexistent account. 
I would like to have them return the money quickly. If necessary by deposit in my checking account with them and to ensure that they do not take another payment in XX/XX/XXXX. 
I submitted a claim to the wrong department in New York State and they said that they have referred the claim to this agency but I need to make sure because the money that Capital One took from my account is needed to pay tax bills this month.
XXXX XXXX recently submitted a negative remark on my credit history with Equifax. I had PMI ( private mortgage insurance ) on my property and the amount they say I owe them should be XXXX $
We were told to use a home equity line of credit to pay for the down payment on the purchase of our home. We then moved XXXX and lost our renters. We stopped payment on the home in XX/XX/XXXX and was foreclosed in XX/XX/XXXX. This line of credit was written off but still shows on our credit report. We 'd like to have it removed on the account of prolonged processing and hardship.
XXXX keeps threating harassing me for debt I do n't owe I have no relationship with them they please have them stop all collections asap
I purchased a car in XX/XX/XXXX And I got turned down from XXXXXXXX XXXX. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called sagestream Llc. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.
In XXXX, Equifax learned that a very large number of accounts were compromised. Only on XXXX XXXX, after the hackers had over 2 months to process all this information ( including mine ) they finally told the public about it. 

Not only have they failed to protect my information and ended up divulging it without my consent, but they have also failed to notify me on time. A 2 month delay is unacceptable given the sensitivity and the breadth of personal information that was leaked.
Company illegally accessed the records of XXXX XXXX and subsequently illegally pursued collection activities against him. Company charged an additional {$24.00} in fees and then debited the bank account of XXXX XXXX for a total of {$300.00}. XXXX XXXX became aware of this fraudulent action on XX/XX/2017 and contacted company. Company insisted they had the right to collection on the account, having never provided the FDCPA requirement of a letter within 5 days of calling the debtor ( nor at any time thereafter ), that XXXX XXXX had agreed to payment in writing and they would debit the account based on that. XXXX XXXX was unaware of his rights or options until the TRUE legal owner of the debt, XXXX   XXXX XXXX reviewed the matter and educated him. DEMAND was made to Critical Resolution Mediation to refund XXXX XXXX in the full amount of {$300.00} so that he could pay the legal owner of the account the lesser amount of {$130.00}. Company failed to respond to all demand letters, therefore this is step one in a series to start the process of GOVERNMENTAL ACTION AGAINST THE COMPANY. 

There are NUMEROUS complaints against this company on file through the XXXX  and other websites. CRITICAL RESOLUTION MEDIATION MUST BE STOPPED!
I had my loan down to about XXXX and nationstar put forced insurance on me for XXXX doubling my loan, i faxed them copies of my existing insurance neverresponded, that was in XXXX now in XXXX they are adding forced insurance again of XXXX they now say I owe them XXXX dollars
made a deposit to my account XX/XX/2017 {$36.00} it still has not been posted to my paypal account Please see supporting documents
I've had a credit card with Citicards for 15 years and have always made payments on time. 

Recently, I linked my account to another bank account that I ended up having issues with, and a few payments were returned. I always made a payment when I was alerted to this, and the payments were never more than a few days late. 

In XXXX, they called me to tell me a payment had been returned, and I immediately paid two months worth of payments due. I was told my next payment would be due on XX/XX/XXXX. I found out my card was then placed on a 30 day hold due to the returned payments - fine. I spoke to several people on the phone and no one told me it would be an issue in the future. 

Since I didn't have a payment due until XX/XX/XXXX, I didn't think anything of it. Then, on XX/XX/XXXX, they attempted to take a payment from my account through AutoPay ( my experience had been that if your minimum payment was {$0.00}, they wouldn't try to get a payment on the due date ). I called Citi and was told that they did always try to take more payments anyway, but that because of the misunderstanding, they'd refund my {$37.00} fee. I also asked if this would mean another 30 day hold and the customer service rep told me no, my account was fine, and I was welcome to use the card as normal. 

So I was very surprised when a few weeks later, I logged onto my account to find out it had been closed, due to " poor account performance '' aka the returned payments. If I had been warned at any time that my account was at risk, or had gotten TRUE information from the customer service reps, or they had even MENTIONED that a payment would be taken out even when one was made, I would have immediately paid off the whole account so as not to risk my credit score. Now, my 15 year old account is closed and my credit score is in the toilet, all because of some clerical issues with a bank account.
I received a letter from the company and the validation tells me nothing. Who does this doctor work for? Where was this test taken? This doctor is not one I have ever seen or heard of, if he was contracted to review a test then who did the test and where? I will not pay for something I know nothing about and this letter provided no answers.
Barclays Card is hitting me with 2 hard inquires for XX/XX/2018 and XX/XX/2018. I should only be hit with 1 inquire as both were done on XX/XX/2018. The confusion is it took them 2 days to process the other part. I have spoke to them on the phone back on XX/XX/2018. There customer representative said they would remove one of these hard pulls. I believe it is the one on XX/XX/XXXX. Either way they 100 % guaranteed one will be removed since both were placed on same day of XX/XX/2018. 

Since the company agreed to remove one of the inquiry 's, I just hope they can kindly stick to there word and fix up this confusion. I have been a loyal customer and just want what was promised to me. Thank you