WillisBack/dataset-financial-user-claim huggingface dataset:
It was Sunday XXXX XXXX. I received a call at XXXX XXXX from XXXX. 
It was from Credit Acceptance, the lien holder on my vehicle. I answered the call, but there was no response and then I was hung up on. I called immediately back, and was quickly connected to a representative. I was asked to verify my account, and I gave them my name, and my address, but then they asked for ANOTHER piece of information to verify ( for XXXX purposes ). I questioned this, because they originally called me, threby meaning they would have to do outbound XXXX requirements. 
They started to argue with me, and I never provided the additional information because I was mad, and because they started to argue with me about the process. While this was going on, the rep started to talk about the specifics of my loan, the fact that I was overdue, and that he needed to collect payment at that very moment because there is no grace period on the note. It states right inside the note that there is a 15 day grace period before it is considered late and collection proceedings are started. 
The thing that blows my mind about this is the fact that I had already sent out a payment automatically from my Bank account on Friday afternoon! It was removed from my checking account, and was waiting on Credit Acceptance to process it! However, they chose to have a representative Call me at XXXX on a SUNDAY morning as I was trying to drive to Church. Get your payment processors to work on Sunday while the banks are closed! 
I was incredibly offended by this nuisance, but more by the fact that the representative failed to properly verify my identity even by there own XXXX Controls! I am confident that I could call in again and not have my privacy protected adequately! This must stop because I am confident if this lack of regard for security happened to myself, a person whom has never missed a payment, I can only imagine it gets worse for those in collections, or those seeking to modify a loan. 
I would like my credit report to reflect that I had not missed any payments, and I would like the CFPB to investigate and redress my claim against this careless company.
Who the heck is XXXX XXXX XXXX? I recently applied for a car loan through a dealer and was accepted as I have outstanding credit. I currently have credit freezes on my and my wife 's credit with the big three bureaus - XXXX, XXXX, and XXXX   because no one can keep our information safe. 

I got a letter from XXXX XXXX stating my credit was denied even though I had a very favorable credit score returned from XXXX XXXX XXXX. The day this was run there was actually a problem with XXXX hitting against XXXX  as I had not un-froze my credit with them. Other banks approved my loan due to my outstanding credit after I temporarily lifted my freeze. 

My questions are these : - I thought there were only the big three credit reporting agencies ( listed above )? 
- Who is XXXX XXXX XXXX? and why has no one heard of them? 
- There are numerous complaints on the web of similar cases, or in some cases XXXX XXXX XXXX reporting scores much lower than they should be or are with the other agencies. 
- I called XXXX XXXX XXXX and all I got was a Voice Mail box. 
- People do not trust providing XXXX, XXXX, a company they have never heard of, their personal information to freeze their credit. And you can not do it over the phone as their web site states you can. 
- XXXX XXXX  is tied to many of the companies online and many people have received letters from XXXX like I did. 

To make matters worse, I am a current XXXX car loan customer and they know my outstanding credit history, and they send me a denial letter? I have called XXXX and ripped them a new one and I'm not done yet! 

I am filing a formal complaint against XXXX XXXX XXXX for providing XXXX XXXX incorrect information about myself and misrepresentation of my credit. This is absurd and this company needs to be shut down immediately. 

Date of transaction - XX/XX/ XX/XX/XXXX
Hello, I am making a formal complaint about the Quality Asset Recovery company.

There are 2 claims. One for XXXX   and the other for XXXX. The time of service was XX/XX/2015. During that time, we had XXXX XXXX XXXX through my husband 's work. I called the hospital making the debt, they said it was a wrong code. I called the doctors office, they said it was the hospital 's fault. I called the QAR department, they never told me I could file a dispute. I also called the HR department at my husband 's work. I was told that if the QAR had told me it could be resolved earlier, it could be, but they never did.

This claim is for a XXXX XXXX XXXX XXXX I had because I XXXX XXXX XXXX. A XXXX. A necessary procedure. I had insurance. I am trying to buy a house and this is on my credit report.!
Car reported stolen XXXX/XXXX/XXXX. Case # XXXX XXXX XXXX Police Department Detective XXXX XXXX - XXXX XXXX declared a " TOTAL LOSS '' XXXX/XXXX/XXXX. ALLY FINANCIAL is the lien holder for the XXXX XXXX XXXX in question. XXXX XXXX declared total Loss but ALLY FINANCIAL is still taking my payments? 

I went to trade the vehicle in AFTER XXXX XXXX & ALLY FINANCIAL made me recover the FOUND stolen vehicle in California - for which XXXX OR Ally Financial have attained a SALVAGE Title unbeknownst to me. 

The car was declared " Total Loss '' in XXXX. I HAVE GAP Insurance and ALLY FINANCIAL IS AWARE of that fact and has NOT ACTIVATED GAP despite my requests or questions ; as I was n't sure about GAP until recently. 

I want to complain and bring charges against BOTH entities for fraud. 

The XXXX XXXX XXXX XXXX XXXX XXXX AND ALLY FINANCIAL ARE NOT IN COMPLIANCE WITH GA LAW. Please advise. 

XXXX XXXX XXXX XXXXXXXXXXXX
US Bank XXXX credit card charges a {$75.00} annual fee, and the main reason i paid for this fee is because the card provides a benefit ( last night free on point stays, when booking XXXX or more nights XXXX. 

This benefit was taken away, and no refund of my fee has been offered. I 've asked and have been told that they can not refund the fee. I paid the fee based on this benefit, and want to cancel my card now as this was taken away. I want my fee returned XXXX.
I disputed inaccurate information that was on my credit Report with Transunion and XXXX almost XXXX months ago with XXXX XXXX Account # XXXX Late payments that was incorrect XXXX gave them 30 days to respond and they don't so XXXX send me paper work that it was verified that I had No late payments so, Two weeks later XXXX Placed the late payments back on my Credit Report. It is against to fair credit act to do so without a consent or notifying me before places inaccurate information on my Credit report I have asked them to notify me before doing so because I have had a fraud alert on my credit report in 2017.I need this off my Report in the next 10 business days or I will have to speak to my lawyer.Please contact Transunion and XXXX.Thanks
I am trying to refinance with another bank ... they need a pay off and a copy front and back of the vehicle I am financing but keybank will not provide it.
I have a chase XXXX XXXX card ( {$450.00} annual fee ) and utilized my points to book a hotel reservation ( worth ~ {$250.00} ). When I went to the hotel, they charged me for the room and billed to my credit card, even though I had paid for the entire transaction with my points, which were deducted immediately from my point balance. What makes the {$450.00} annual fee for this card somewhat tolerable is the {$300.00} annual travel credit you receive towards travel purchases as they appear on your statement ; however, this process is automated. When I was billed ( incorrectly ) for my hotel that I paid for with points, the expense was automatically accounted for in my yearly travel credit, consuming {$250.00} of the {$300.00} for which I am eligible to receive credit on travel expenses. I have now spent ~3 hours of my time on the phone with chase customer service and travel, who originally said they could reset the travel account so that I wasn't penalized for the incorrect charge ... they have yet to do so and now claim that they are not able to reset the travel credit since it is " automated. '' At the end of an additional ~1 hour phone call with them, when I asked to investigate and review the previous calls that they claim are " recorded, '' while in the process of initiating the claim, they dropped my call and have yet to call me back. I am very unimpressed with their customer service, marketing, and all around with my chase XXXX XXXX card experience.
I applied for a FHA loan at Movement Mortgage on XXXX XXXX, 2016 and was trying to get completed due to lease would be ending verily soon. I have been provided several closing dates and yet have been displaced to a hotel since lease is completed and have encountered over {$4000.00} in hotel room charges during these 3 months and still no decision has been provided to me as of this date. I have had to contact the XXXX Corporate office as well as the main corporate office in XXXX then to be sent to another person in XXXX Was told by Loan Officer no credits of any kind could be provided to me due to this unfortunate situation. Was harassed about the status of my children and had to prove constantly if I have given birth to them and by providing birth certificates and court documents on a almost weekly basis.
I have a Capital One credit card I opened last year early summer perhaps. I knew I had a 0 % introductory APR on purchases that expired in 2016, I could n't remember if it was XXXX or XXXX. Yesterday I went looking for this info and was surprised that there was no reference to it anywhere on my statements or online profile for this credit card. After contacting Capital One I learned that this information is not available to me, I have to call in and ask about it. It appears that by not being upfront about this information they are making it very easy for the consumer to miss the date the balance would need to be paid off so they could assess all the interest charges. This does not appear to be a fair or upfront practice.
I submitted proper deferment documentation to ACS on  XXXX / XXXX /2017. Document was never processed and put in default status in error. ACS offered me a repurchase form in  XXXX /2017. Form was submitted  XXXX / XXXX /2017. Repurchase form is not processed to date. Many apologies for the error but no resolution.   XXXX   XXXX   is not willing to participate in a conference call with ACS to hear directly that this was an error on their end and ACS is not providing documentation of the error in order to pause recovery activity until the repurchase request is processed completely. Assistance is needed urgently.
Macy 's XXXX XXXX Paid {$4.00} in fees they said were due to them because I carried a previous balance.
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But then they charged me another {$4.00} for the month of XXXX ( {$2.00} ) and XXXX ( {$2.00} ). I am not paying anymore. I asked them to remove the charges today and I did not want to do business or receive marketing from them any further.
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I paid off entire balance prior to this and then they said if there is a balance they can charge a minimum {$2.00} fee. I disputed that with them via email, but went ahead and paid the first set if fees {$4.00}. I also discussed how they blocked us from paying an overage online to cover these fees when there was a balance. I previously was able to pay a bit more on the account basically carrying a credit balance so this situation did not occur. They did not address why they stopped customers from paying more on the account when I asked in my email nor did they communicate this change.
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Bottom-line is it one thing to charge for having a balance, but after the balance is paid it is another to keep charging people fees just to make money. I was a long time customer of this retailer since the early 90 's. Never again.
Due to the XXXX security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with XXXX, XXXX, and TransUnion. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.
There is 2 accounts showing delinquent for XXXX XXXX. XXXX XXXX has submitted 4 request to have the accounts removed from my credit report. Equifax REFUSES to remove the accounts as per the documentation attached. XXXX with XXXX responded to XXXX XXXX stating Equifax will not remove the errors due to the info not being of public record. Myself & XXXX XXXX  has supplied the legal documents as proof of our claim Yet their response to my complaint states it has been rectified when in fact, as of this complaint the accounts are still showing delinquent. These errors has resulted in my family being denied credit. We have been attempting to get these errors corrected for more than 2 years. 

In XX/XX/XXXX, Equifax responded to my complaint with the following statement. 

" Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there are two debts being incorrectly reported by a data furnisher. You indicated that the accounts were discharged in a Chapter XXXX bankruptcy because you, as a non-filing spouse, are protected At your request to begin an investigation, we contacted the data furnisher on XX/XX/XXXX, to verify the accuracy of the information with which you disagree. The data furnisher responded and they updated the account status, removing the charge off notation. The result summary, confirming the removal of the charge off status, was provided to you on XX/XX/XXXXred in a Chapter XXXX Bankruptcy ''
Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/XXXX. How is this possible? How is this accurate? 

If I have never done business with XXXX XXXX how does Experian list a reported term of 1 month? How is this possible? How is that accurate? 

There should not be a credit limit on a collection account yet Experian lists a credit limit of {$700.00}. How is that accurate? 

There should be no late payments on collections account yet Experian lists a late payments status since XX/XX/XXXX. How is that accurate? 

There should be no past due amounts on a collection account yet Experian lists a past due amount of {$390.00}. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!
Smith Rouchn-XXXX {$550.00} I write this company directly an inform them this payment was n't mines. Did n't received an reply so I am trying another step.
i was told by refinance company that 3 credit burears reported that iam XXXX
I HAVE CONTACTED EACH COMPANY TO WHICH I HAVE GOTTEN CORRESPONDENCE FROM THEM STATING THAT THEY HAVE REMOVED THE INQUIRY FROM MY CREDIT REPORT. THESE CREDIT INQUIRIES ARE LINKED TO MY IDENTITY THEFT THAT I HAVE BEEN FIGHTING. THERE IS PROOF THAT I HAVE BEEN INVESTIGATING THESE CASES A LONG WITH XXXX POLICE DEPARTMENT HERE IN XXXX INDIANA. I HAVE PLACED ALL LOCKS ON MY CREDIT PROFILES SENT PROPER DOCUMENTATION TO THEM AND THE CREDITORS THAT OBTAINED MY CREDIT WITHOUT MY CONSENT. I HAVE COOPERATED WITH EQUIFAX XXXX AND XXXX ON THIS MATTER AND EQUIFAX REFUSES TO REMOVE THESE OFF MY REPORT. THEY ALSO FAIL TO RESPOND TO MY MAIL REQUESTING VALIDATION OF ORIGINAL DOCUMENTS WITH MY SIGNATURE ON THEM. 

THIS COMPANY ALSO HAS REMOVED MY XXXX ACCOUNTS OFF MY REPORT WITHOUT AUTHORIZATION AND RE INSERTED THESE ACCOUNTS AGAIN WITH OUT NOTIFICATION OR AUTHORIZATION FROM ME. I WANT THESE ACCOUNTS THAT THEY RE INSERTED ON MY CREDIT REPORT REMOVED COMPLETELY. 

THIS COMPANY FAILS TO REMOVE AN XXXX EVEN THOUGH THEY HAVE DOCUMENTATION FROM THE COMPANY AND COPIES OF LETTERS I RECEIVED IN THE MAIL STATING TO REMOVE THESE ACCOUNTS THEY WILL NOT REMOVE THEM.
My son has a property and has a very high interest rate. He is working XXXX. I have Power of Attorney for all his business. We decided to refinance since he would receive notices in the mail from Bank of America or when I would make his payments the tellers would remind me about that. We started the process in early XXXX of this year and by the end of XXXX we were supposed to close. They just needed a verification of employment for him. All we had was the address that on his paystubs, but I was able to get a number for someone in Texas. They were the hardest people to work with as I would call or email and not hear for days from them. 
Well, the straw that finally broke the camels back was when I called the person who was in charge of his file and she told me that she could no longer help us because of the job verification situation. She told me to call another person, I called him on a Friday and had to leave a message. On Monday afternoon I called and his voicemail stated he was on vacation, and his voicemail gave me someone else 's number to call. I did that and got the same voicemail and to call another person, I called that person and the same thing. Everyone was out of the office on vacation and would n't be back for a week. I do n't know how but i finally received an email from someone stating that they were sorry that they could n't help us and they had closed the file. 
My biggest gripe is " did anyone call the number I provided to verify his employment '' or did someone just drop the ball. 
My son has paid his mortgage payment on time and has great credit scores. He wants to refinance since he ca n't sell due to the fact that the home 's resale value is less than what he owes. 
Can you provide me with the contact number where I can file for the Bank of America vs DOJ suit where people have been helped by receiving lower interest rates or payoff assistance.
NCC Business Services, Inc with and address of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed up on my credit report in the amount of {$3300.00}. This is from an apartment I rented several years ago. I placed a first and last months deposit down. I moved out, gave proper notice and was never given my last months deposit back as a walk through was not scheduled. Now I have this on my credit report from a company I have never hear of. They have never called me, never sent me any formal notification of the debt, no contact or notice at all. I called them when I saw this on my credit report and I was provided a break down over the phone that I owed this money for carpet cleaning, fleas, rent and late fees. I requested that information be sent to me with a break down and description of what I was being charged so I could review it and try to contact the original rental company but NCC refused to provide me anything and said they could not provide me with any information. This is a bogus debt and I have disputed it on all XXXX bureaus just to have them come back and say it is not being removed. I do not understand how to resolve an issue that I ca n't even review documentation on. How can you pay on something that you do n't even have supporting evidence of and I know that the fees are not accurate or valid. I gave proper notice and was never given anything by the original apartment complex advising me of what NCC is now saying.
Please explain what this corporate advance in the amount of {$130000.00} is for. 
Looks as though XXXX tried to shove the XXXX loan into the XXXX Trust on XXXX/XXXX/XXXX before the XXXX cut off date. XXXX never owned the XXXX loan, XXXX only acquired the right to service the XXXX loan. Then Caliber returns the loan back to XXXX on XXXX/XXXX/XXXX, 2 days before the loan was allegedly sold to the XXXX Trust? Please explain this back room deal in detail. The print out from my XXXX online mortgage transaction history shows the corporate advance. The Detailed Account History from XXXX is attached that was provided in response to my CFBP complaint in XXXX XXXX against XXXX for fabricated documents used to illegally purport ownership of my home. On this account history the corporate advance information was omitted. What are XXXX and Caliber trying to hide? The fact that they are working together to steal my home. 

XXXX/XXXX/XXXX ( XXXX ) XXXX/XXXX/XXXX - XXXX The XXXX Trust closed in XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( XXXX ) Looks like the XXXX XXXX was returned to XXXX XXXX allegedly sold the XXXX XXXX to Caliber on XXXX/XXXX/XXXX.
My debt situation is here with Apex Finance here in XXXX, Ga., I do admit I 've fallen behind in payments due to a financial crisis in the last year do to lack of income and divorce proceedings. When I got the loan my soon to be ex-husband abandoned us leaving debt which I had to cover and open up utilities in my yet pay his off before doing so on limited income. Therefore leaving me no choice but to apply for hardship with Apex Finance where my payments went from {$75.00} a month to half the amount being {$37.00} to be paid on the XXXX of each month. Yesterday on XXXX an agent approached my door that afternoon to collect unannounced and said she was sent by her boss XXXX to get a payment. I live in a XXXXwhere XXXX is vacant therefore she preceded to ask if I were moving. No response. Than she said while looking back I saw the for rent sign there still no response, cause I 'm thinking why would that concern you you 're here to collect. So she told eventually she came for a payment. I said I 'll call and talk to XXXX about my situation, that was n't enough so she offered her phone so O could tak in front of her, ( harassment with no respect or privacy ). Once the cal was proceeded another agent answered, she handed me her phone she 's come to my house very unprofessional and very loud spoken where she intentionally would disturb the neighbors. In all this, the conversation she began asking where did my money go I just got this month? To go back, I 'm the overseer for my son 's XXXX okay? At that time she put her boss ( XXXX ) on the whom I already asked to speak with in the beginning.Things went sour from therefore he went unprofessional, ghetto, dominant, threats of coming to get some collateral you name it. Spoke of threatening to take my hardship away and give to someone else because he felt like I was abusing it. He said I know you have plenty because you 're divorced, and a son ( my ex have no kids together ) how do you pay your other bills?, Cable is not a necessity but I know you have it! My response '' no I do not. Then he proceeded to say, well where 's my property? If you do n't come in and pay me Friday I will personally come get it and sell it in my office! Do whatever you can to get me my money by that day! I 'm tired of sending my agents to you, it 's costing me and my company money for mileage just do what I told you! I told him he 's in my personal business, this is suppose to be strictly about business. Why are you so aggressive in speaking to me like this? He said because I told him he 's getting too personal. I then said I 'm not your child nor are you my slaverowner and do n't address me in that matter again, have a nice day. Then handed her phone back.