WillisBack/dataset-financial-user-claim huggingface dataset:
I purchase a vehicle on XXXX 2012 financing with MAS FInancial services this business needs to be review, every month since my first payment I been having issues with this company they work a theory, usually I was sending my monthly payments by check but every mont they will call me stating that my payment was n't received when my check had been mailed weeks prior to my payment I got feed up and starting to pay by money gram no matter how, they want to accuse you of making late payments to try to collect more and more money from suppose late payments I 'm going crazy they call me and harass me at work with tex and messages I really do n't know what to do any more, no matter how early I mail my payment I still get at least XXXX calls per day stating my payment is late. I 've complain several times to the company it looks like everyone is very unprofessional and disrespectful as if they do n't know what there doing, I do n't know how to report this and afraid of having a breakdown this is causing me XXXX on daily basis I really wish for a review of this company, I 'm not the only one with issues with this company, once you log on to their web page mostly unhappy customers and people frustrated over the same issue. I think company 's like MAS Financial should n't be operating and be under review.
I deposited XXXX $XXXX checks into my USAA XXXX account Friday XX/XX/XXXX. I deposited an additional XXXX XXXX checks into my USAA savings account on Saturday XX/XX/XXXX. My account was locked after depositing the checks into my account Saturday XX/XX/XXXX. I was told by a representative that my account wold be on hold for 2-3 days. When I called back in on XX/XX/XXXX I was told my account was under review and that my account would be inaccessible until Friday XX/XX/XXXX. The explanation was that they were waiting to see if the checks bounced. On Friday XX/XX/XXXX I called the bank back and was told my account wold be frozen/in a credit only status until the checks returned. The checks will not be returned because I still have XXXX in the account that the checks were drawn from. I can see that USAA presented and received all monies from the checks on XX/XX/XXXX I offered to call the other bank and give them permission to discuss my account as well as the funds available in the account. USAA refused. They are going to hold over $10,000 indefinitely and I have no recourse. This is criminal, illegal, and downright sickening that they would treat a customer with no incidence of bounced or returned checks like this.
CASE # XXXX. 
Portfolio Recovery has not called me for a while but has but has started again about a debt that I do n't owe. The most recent numbers that they are harassing me from are ; XXXX on XXXX/XXXX/15 XXXX and XXXX XXXX/XXXX/15 at XXXX. I have blocked XXXX phone numbers that have called at all hours of the day and night, most are from portfolio recovery. I do n't want them calling me a XXXX times a week as they did earlier this year to threaten to kill me if I do n't pay.
I had an FHA mortgage with Fifth Third Bank in XXXX, OH beginning XXXX, XXXX. I have met all my FHA requirements. The FHA insurance premium was {$110.00} per month. I have spoken and faxed the bank 's representatives several times regarding removing the FHA insurance premium from my account. I get many different and incorrect answers. 
I have also contacted XXXX who confirmed I have met all the requirements. The XXXX representative, XXXX, has contacted the bank 2 x and the bank stated they removed the FHA premium from my account on XXXX/XXXX/XXXX. I have not received any written confirmation nor a new mortgage statement. 
I paid {$1400.00} ( this is minus the {$110.00} FHA premium ) for XXXX, XXXX. 
Subsequently, I received XXXX letters from the bank stating I am delinquent, owe a late fee and they can not apply my payment to my loan " because the system will not allow them to. '' My XXXX, XXXX payment is sitting in " unapplied funds ''. 
It seems the bank is confusing my escrow which includes property and school taxes and homeowners insurance. It does not include the FHA insurance premium. The bank did review my escrow account and sent me a check for the overage in the escrow account. The bank representatives continually refer to my escrow account when I call. 
This has been an ongoing issue since XXXX, XXXX. I need resolution.
XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XX/XX/XXXX and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX XXXX customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!
I applied for a " rocket Mortgage '' on Quicken 's site thinking I could do the mortgage online XX/XX/XXXX. I was then called every hour for about a week with people wanting to talk to me about a mortgage. I never received any disclosures despite them reviewing all 3 credit reports. I never received any documentation about where my scores were or what products were available but NUMEROUS calls about how their agents could assist me on the phone. After over 10 days of little to no documentation in writing I requested to ONLY be contacted in writing. I received 1 email and NEVER received any disclosures.
I checked my credit on XX/XX/2017 and I had only XXXX accounts listed on my credit report. All the other information and history was gone. I called and asked what happened and the rep could n't answer why this happened. He finally did some digging and said the report has been split and was missing information. Well long story short my information was pieced back together and put back on the report. The negative items had been deleted were gone and now back on. Along with the inquiries that had been previously deleted. I want to know why this information was removed then put back on. My score went from XXXX to XXXX.
Chase Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Tidewater finance has been reporting inaccurate credit information on my credit report and I have disputed their reporting several times only to get nothing resolved. This company continues to violate law and sabotage my credit reporting causing me unfair credit denials because of their updates it appears that I have a current derogatory account which is false. It is federal law that any interest charged on an account is required to send out a monthly statements and they repeatedly change the account owed on my credit and do not send out any statements.
On XXXX XXXX 2017 I went to XXXX XXXX 's website to apply for a XXXX XXXX  STORE Credit Card. 

I was directed to a application form used for BOTH the STORE Credit Card and XXXX Credit Card. 

While terms for both cards are shown, there is no indication on the page that I would not get to pick which card would be opened for me. My intention was to open a STORE credit card and not a XXXX credit card. 

Upon submitting the initial application web page a XXXX credit card was immediately opened in my name without being given the option to pick. 

I immediately called the company and requested the card be changed to a store credit card. They did so by closing the XXXX account and opening a new STORE account. 

In addition to this unwanted kind of credit being issued, this resulted in unnecessary account opens and closures on my credit history.
On XX/XX/2018 I disputed an account reported by COI in the file you maintain under my Social Security number. 

I was informed in XX/XX/2018 that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.
My case # XXXX was closed, however, I am not happy with Suntrust 's response. It was not until I requested back money that they changed their story from bank error to my error. I have witness that were on the phone with me that heard the Suntrust representative state that it was bank error on multiple occasions. My witness works for XXXX XXXX XXXX XXXX. The Suntrust representatives knew she was on the phone due to all of us trying to figure out what happened. Here is my original complaint : I had a checking account with Suntrust bank. In XXXX of XXXX, an automatic payment to XXXX XXXX was rejected. I realized the payment had been rejected when my insurance was cancelled for nonpayment. I reinstated my insurance and did not know there was still an issue until XX/XX/XXXX. On that date, I got pulled over by an officer with an electronic tag reader and was given a ticket for suspended registration. After several discussions with XXXX XXXX, Suntrust, and myself, Suntrust acknowledged a bank error on their part and acknowledged that the payment should have gone through.
My payment for my auto loan was due and I made a payment on XX/XX/18 for {$460.00}, I wasnt sure if I submitted the correct account so I made another payment to be sure with the correct account for the same amount for {$460.00}. The next Day XX/XX/18 I called to let them know what happened, they told me to go ahead and make a THIRD payment and that the other two would be CANCELED. So on XX/XX/18 i made a 3rd payment for XXXX, the next day- all three payments had been processed including the wrong account and I was charged a {$25.00} NSF FEE. I called to get this reversed they told me the extra payment would be refunded and the {$25.00} would be removed. I called they told me it would take 2 days, I waited until Monday, Tuesday, Wednesday, and NOTHING. I have called every single day and have called my bank to confirm this and nothing has been refunded to my account. I have asked for them today overnight my check and they said they are not going to waste money on shipping. I called today asking for this amount to be credited back and to confirm whether or not the money was refunded I was told to wait until next week. I am not sure why I am being scammed and given the run around everytime I call. I keep being told different things every time I call and have spoken with XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is not including all of the others that I have spoken to along the way. Today I was told I never made any payment but I have the double transaction showing on my account and I have the confirmation number for all three payments made. Please please help me with this
Credit Report shows a XXXX XXXX XXXX started in 06. Balance of XXXX. Then sent toXXXX XXXX. Now XXXX. I never owned a XXXX XXXX account.
Disputed information on XX/XX/XXXX 72 hours later I received results of XXXX 's XXXX being final.Disputed again on XX/XX/XXXX 72 hours later I receive the same email. The person I spoke with placed a new dispute. I told him that I have proof account was paid. I have a letter from XXXX 's XXXX stating that account was paid in full. He stated to go to www.experian.com/upload. I did upload information and received a note it had been accepted. I received another email on XX/XX/XXXX stating dispute was closed again. However I uploaded the document XX/XX/XXXX. So did they even do a investigation. I called XX/XX/XXXX. I spoke with a lady at XXXX XXXX who confirmed I had they did receive upload. On XX/XX/XXXX I woke up to another email stating it was final. I called them back again today. The person was very rude. He didn't want to hear what I had to say. He then said he didn't receive a upload. I explained to him about the call on XX/XX/XXXX. Also I have multiple lines of credit now. I have paid faithfully and my credit score is not being updated. I feel as though I'm lost and no one will help me. I have been on top of things. Then to try to explain to someone what is going on and they talk over you and say so what. I paid bill to clean up my credit and have to go through this. They will not help.
The vehicle was involved in an accident and, declared a Total Loss. the insurance co paid the loan off in XX/XX/2017. However, the lender has failed to properly report the loan Paid and, instead has reported the account Open and, delinquent. I have filed disputes with the Credit bureau but, the lender refuses to update my Credit report. I have documentation obtained from the lender including payoff letter and, payment history. Lastly the lender refuses to provide a payoff letter with the correct payoff date.
On XX/XX/XXXX I logged into my mobile banking app and noticed my account had a negative balance. When my work day ended at XXXX I proceeded to deposit {$50.00} into my account which would have placed a positive balance of approx. {$32.00} in my account. upon the completion of my deposit I noticed my account was still negative approx. {$1.00}. I then logged into my account and saw a overdraft fee had been applied. I proceeded to contact customer service. I had previously been informed by customer service that if a negative balance was corrected within that business day no overdraft fee would be applied. Upon talking to customer service I was told that since my account went negative on XX/XX/XXXX that I should have corrected the balance that day. I was under the understanding that XX/XX/XXXX is considered a federal holiday and therefore not a business day. The customer service representative then informed me that US Bank considers any day a business day regardless if it is a weekend or holiday. The CSR told me that since it was now XX/XX/XXXX they had applied an overdraft fee of {$36.00}. When I question how that was possible, due to the account going negative on a federal holiday and not a business day I was pretty much told oh well that us how we do it. This is not the first time that I have had problems with this bank and their ridiculous overuse and abuse of overdraft fees. But it is the last time.
I was constantly harassed with 20+ calls a day back in XX/XX/XXXX about how I need to attend their College until I finally got so fed up, I fell for their sales tactics and signed up for college in a degree program that I never was able to use. I was promised half my school would be paid for being a single parent, I was promised a job after graduating, neither of which ever happened. I had no idea what I was getting myself into but they were very good at selling me " the dream ''. Once I graduated I had almost {$70000.00} in federal student loans for an XXXX XXXX! When, if I wasn't harassed with numerous phone calls almost every 10 minutes everyday until I answered, a XXXX school in my town offers the exact same degree for {$7200.00}. Then when I graduated I was a single parent with low income. There was no way of making the huge monthly payment and then at the time became XXXX  for almost a year. They constantly called me and I explained my situation that there is no way I can afford any of this, I told them I am XXXX  with low to no income and they didn't care. They kept talking me into going into forbearance and not explaining to me what that meant. I remember asking numerous times what " forebearance '' meant and they would explain it buys me time with {$0.00} payments to get my life together. Never once explaining that it affects my credit, and not once ever explaining there were Income based repayment options until so much damage was done to my credit I can't have a future. They don't understand that when you aren't a professional in deal with loans, normal everyday people have no idea what they are talking about. Finally after 5 years I finally called and told them they have to do something because I will never be able to afford these payments and wanted information on forgiveness. As of XX/XX/XXXX, they finally explained this Income Based payment program and I could not believe they didn't put me in this years before. I am currently in this program now and my income is so low I make $ XXXX monthly payments. My life is not going to change, I'm almost XXXX, raising my kids, and it's not like I'm ever going to use my {$70000.00} XXXX XXXX to get some amazing job like XXXX promised me. I'm trying to take out loans to buy a family car for myself and my sons but keep getting denied because of the bad marks on my credit score from Navient not correctly explaining what programs would best help my life and my situation. I need help from someone so hopefully in the future I can have my financial life back together and provide for my children, or at least other people need to be warned about this. I wish I never answered the phone when XXXX University was harassing me with non stop calls, voicemails, and giving me sales pitch after sales pitch back in XX/XX/XXXX about how I needed to trust them and enroll in college today! It has ruined my life.
I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.
This is in reference to complaint number XXXX company never responded by XXXX/XXXX/16. Long story short I was denied for a loan modification and I accepted this fact. I was informed by PNC that I could submit for a short sale. I am currently in active review for a short sale however, the short sale specialist is stating that the sale date will not be postponed even though I am in active review for short sale. I do not understand how this company is giving me any options to foreclosure, I asked the specialist just yesterday what my options to foreclosure are and she said " nothing ''. Please do not allow this company to continue to treat american citizens like they are trash and have no value. I am trying to do the right thing, submit for mod, then that was denied, so now I am trying to do a short sale so I do not have a foreclosure on my record. They are not willing to help. In addition, they NEVER responded to the previous CFPB complaint, this shows you how ethical they are.
I have submitted numerous disputes ( online, over the phone, at least 5 times in the year of XX/XX/XXXX), most recently XX/XX/XXXX ( via 609 letters ) regarding inaccurate information on my credit reports. Through these letters I have asked for proper documentation validating debts owed and have received nothing. When I've called, most recently XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to inquire about whom received this information in order to validate it, the supervisors informed me that they simply do not know and don't have access to that information.

Under the Fair Credit Reporting Act 15 USC 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of my requests concerning the accounts that are being reported in my credit report. While i have received a credit report stating these accounts are verified, i have YET to receive documents supporting such debt.
there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd.
XXXX XXXX of XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX continues to call and threaten me with false tactics about coming to my place of employment and have even reached out to my supervisor. I have asked on more than one occasion that they do not call me as I owe no debt to this agency or any other creditor of whom they represent. I received three calls in total on Tuesday, XX/XX/2018 -- all before XXXX.
Ive been requesting a modification since XX/XX/2017. That is when I was able to make my trial payments after my retirement went through.XXXX put through a modification in XX/XX/2017 when I had no income to pay. Currently I can make the payments.
This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where.
Ive uploaded both documents with the information asked for. Ive tried to dispute through the company and nothing ever changes
I signed up for the American Express card and XXXX bonus miles if I spent {$1000.00} in XXXX days. I saw there was an offer to get XXXX miles if i spent {$2000.00}. Initially they said i could not do this, XXXX call on XXXX XXXX. I called back at XXXX, same day to reconfirm this, and i was told " IF I SPENT THE {$2000.00}, i would AUTOMATICALLY RECEIVE THE XXXX BONUS MILES ''. So, this is a VERBAL CONTRACT WITH AMERICAN EXPRESS!!! I immediately spent the {$2000.00} and after a few weeks noticed, the mileage promised never updated. So i called an argued several times and it was then told to me, by several employees of AMEX, it has been decided in your favor and you will recieve the miles in XXXX weeks. After XXXX weeks I checked back only to learn that the matter was CLOSED and i would NOT BE RECIEVING THE MILES THAT WERE VERABALLY PROMISED VIA PHONE CONVERSATION XXXX XXXX!!! The converation on the XXXX was a contract thatbinvolved me SPENDING {$2000.00}!!!!!!!!!! To get the XXXX additional miles. And Aamerican express has decided to 1. Not honor the deal and 2. To not give the XXXX miles after i was told it had already been awarded and eecided in MY FAVOR!!! I expect vetter from a card that carries AMERICAN in their name. Shame on them for lying and lying and lying and then not following thru with the verbal contract that they have XXXX FILE AND RECORDED. I FEEL THEY SHOULD suffer PUNITIVE DAMAGES for making a customer spend {$2000.00} and then renig on their VERBAL CONTRACT MADE ON XXXX XXXX. The value of those miles is {$560.00} if i had to purchase them from XXXX. Not to mention i spent {$2000.00} that i really didnt have to soend at that time thinking AMEX was going to do the right thing.