WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I purchased a car from XXXX XXXX in XXXX, Arizona. The car was financed through Americredit Financial. I fell behind on the payments when my mother became stricken with XXXX and it was subsequently repossessed by Americredit in XXXX XXXX. The repossession was unlawful due to threats of violence and abuse to myself and my family by the repossession agent, which constitutes a breach of peace. At some point, GM Financial purchased Americredit and began reporting the original loan and deficiency balance on my credit report. For the great part of the last year, I have contacted both GM Financial and the credit bureaus to have the incorrect reporting of the account corrected. GM Financial continually refuses to correct the reporting despite my multiple requests directly to them and my multiple disputes with the credit bureaus. GM Financial continously verifies the information as accurate to the credit bureaus even though it is clearly not accurate. Currently, the account is not reporting the correct loan term and the monthly reporting is inconsistent between the XXXX and XXXX reports. The account was subsequently deleted by GM Financial from my XXXX report last year. How is it possible that GM Financial can continually verify an account as accurate to the credit bureau when the account is reporting differently on each report? 

I am providing the following as proof to support my claims : 1 ) original contract with Americredit reflecting the terms of the account to be 60 months. It is currently being reported as 65 months by GM Financial, thus aging the account further. 
2 ) Screen shots of the account as they currently display on my credit report showing different payment histories and status. 
3 ) Email correspondence between myself and XXXX XXXX from GM Financial showing I provided her with documentation showing the account was not reporting properly then and her refusal to address the issue. 
4 ) Email correspondence from myself to XXXX XXXX, CEO of GM Financial to bring attention to the continuous reporting errors and the wrongful repossession. 
5 ) Mail correspondence from XXXX XXXX from GM Financial, again asserting that GM Financial is properly reporting the account.
On XX/XX/2017, I called KeyBank and made a XXXX payment. ( payment cleared XX/XX/2017 ) I was told by the KeyBank representative when taking my bank information this payment would bring my account current and I would be due for the XX/XX/2017 payment. ( Recorded phone call will confirm this ) I then made arrangement with KeyBank for the XX/XX/2017 payment. 
On XX/XX/2017 I receive a certified " Notice of Default and Intention to Accelerate '' dated XX/XX/2017 from KeyBank 's attorney XXXX. The reinstatment amount in the letter was XXXX as of XX/XX/2017. ( Recall that Keybank accepted my XXXX payment on XX/XX/2017 and told me I was current. ) I also noticed my login with KeyBank has been " locked '' due for Security reasons. 
On XX/XX/2017 I called KeyBank and spoke with XXXX in the Real Estate / Collections department. I explained to him that I was current and confused on why I received a certified threatening letter from XXXX XXXX. I also told XXXX I was calling to make the XX/XX/2017 as pre-arranged. He told me the XX/XX/2017 payment ( XXXX ) has not been applied to my account ( just sitting there ). XXXX then stated, the KeyBank Representative that I spoke with on XX/XX/XXXX who also took my XXXX payment to bring my account current told me everything wrong. She lied he indicated. XXXX now told me I had to call attorney office of XXXX and request a reinstatment letter. XXXX futher went on to say that I had to pay with certified funds only. This is really unsettling considering the Notice of Default that I just received makes no indication of this " certified funds '' request or has any KeyBank employee ever told me I had to pay with " certified funds. '' I went on to explain to XXXX that my funds cleared my bank on XX/XX/2017 and the XXXX payment was good and thus, " certified ''. Again, I explained to XXXX I was not delinquent. XXXX then went on to say KeyBank will be mailing my XXXX back in the mail. XXXX appeared to have no clue on the status of the payment and a check being mailed. 
I am not sure why Key Bank is treating me like this. I paid the account current, Keybank took and accepted the payment on XX/XX/2017. I never heard from XXXX after the XX/XX/2017 payment was accepted until I unexpectedly received the " Notice of Default '' dated XX/XX/2017. I have always told Keybank I am keeping the house, I live in the house and I want to work with them. I also mailed a Modification packet to Keybank at the end of last year and now Key Bank has told me they have no proof of receipt. Also, during my phone call with XXXX XXXX he started to get an upset, loud and then he hung up on me during the conversation. ( recorded conversation will confirm ) I called right back.
I lease a XXXX XXXX XXXX and XXXX from XXXX. Upon checking my credit report, I noticed that there was a 30 day late reported inXX/XX/2017.  This is inaccurate and it should be deleted. I have contacted the company recently and they responded that they were not going to delete the item. The account is current. 
This erroneous information is preventing me from obtaining credit. The company has writtten me regarding my lease trade in and I would like to trade in my car and lease another vehicle from them ... however I can not obtain credit.
My XXXX XXXX XXXX was Reposessed by Wells Fargo Bank on XXXX/XXXX/XXXX. Wells Fargo hired a company called XXXX that then subcontracted with XXXX XXXX XXXX out of XXXX, PA. Upon learning that my vehicle was Reposessed I contacted IRS in order to recover my Personal Property. I was informed that my vehicle had been transported out of state and that my property would cost me {$75.00} to have it returned. In addition I was told I was not allowed to have the Ball Hitch that I had purchased because it was " attached '' to the vehicle. I asked the manager there what if my boat had been attached to the hitch and she laughed and said " bye bye boat '' I reached out to Wells Fargo because I had been told numerous Consumer laws had been violated throughout the repossession process. The agent drug the vehicle out of my driveway leaving over XXXX ' of skid marks down the driveway and out onto a main road. In addition I am being told that the Ball Hitch and Lockong Pin, most definitely needed to be returned, and also that IRS was required to keep the vehicle in the state it was Reposessed in and they actually transported it over an XXXX drive from my home.
We have used Nationwide Bi-weekly on our 1st mortgage since XXXX XXXX and our 2nd mortgage since XX/XX/XXXX. We just received inthe mail the letter saying they are suspending service on our 2nd mortgage,, we still have notreceived a letter for our 1st mortgage, I have made several attempts toget out of the Nationwide Bi-weekly since this incident has occurred andonly left us 30 days to make our mortgage in full. I want all my fees I had to pay up front to come up with for this service to be refunded to me along with any on-going fees, since they no longer are providing the service I signed up for. I will make my own payments to my mortgage company. I have emailedthree times, with no response. I have called daily and just get anautomatic message. How are you supposed to completely get out of thisservice when there is no way to contact anyone?
I HAVE DISPUTE THIS ON XXXX XXXX. XXXX AND I WAS INFORM BY A LETTER FROM XXXX XXXX XXXX THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND EXPERIAN CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XXXX OF XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH XXXX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED XXXX XXXX XXXX ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XXXX OF XXXX BUT ON MY XXXX CREDIT REPORT IT SHOWED A DATE OF XXXX OF XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM XXXX XXXX XXXX REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX. AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XXXX OF XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO XXXX XXXX XXXX IN THERE ANSWER THAT THEY GAVE ON XXXX XXXX XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY XXXX OR MY EXPERIAN CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY XXXX AND MY EXPERIAN CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT
On XX/XX/2016, in response to a bonus account advertised by Citibank, I opened a new checking account at a local Citibank branch. I deposited {$15000.00} which was supposed to yield a {$400.00} bonus in 90 days. The personal banker who helped me listed the following requirements that I needed to meet : 1. Keep at least {$15000.00} in the account for 90 days, at which time the {$400.00} bonus would be deposited into my account ; 2. She said that I also needed to fulfill the following requirements -- sign up for online banking, open a new debit card connected to that account, and pay at least XXXX bill online from that account. I did complete all requirements successfully. My husband had opened the same type of account ( separate from mine ) the day before on XX/XX/2016. I found out later that the same Citi personal banker did not tell my husband that any of the requirements listed in # 2 above were needed ( i.e., they were in fact not needed ). 

The 90 day deadline passed, and no {$400.00} bonus was posted to my account ( or to my husband 's separate account ). I called Citi. It was very difficult to get through to the correct Citi department, but they finally placed an inquiry claim for me. Afterward, I was finally able to also get through to the local Citi branch, again after much difficulty. I spoke to the same personal banker who opened my account. This time she gave me different information than what she provided when I opened the account. She at first said the {$15000.00} minimum needed to be in the account continuously only for the first 30 days, 90 days after which the {$400.00} bonus would be deposited to the account ( i.e., the bonus would be deposited after 120 days, not 90 days as originally promised ). Contrary to what she had said on XX/XX/2016, she also said there were no additional requirements for this account, i.e. those listed in requirement # 2 above. During this call my husband also spoke to the same personal banker, as his {$400.00} bonus had also not been deposited into his account. The banker later called back to say that she had deposited my husband 's bonus to his account, and that my bonus should be posted in a few days ( i.e. we did not have to wait for 120 days ). 

My husband did eventually receive his bonus. I still have not received mine. Today is about 130 days since I first opened the account -- well past both 90 days or 120 days. In response to the claim Citi opened for me several weeks ago, I received a letter about 14 days ago confirming that my account did meet all of the necessary requirements for the bonus. I again called Citi after receiving the letter. They opened another inquiry and said the bonus should be posted to my account by this week at the latest. The bonus has not been posted. I want this bonus posted to my account! Also, if I had defaulted on a bank account, loan, etc. I would be assessed a penalty fee. I would like the same from Citi.
{$520.00} unauthorized charge from XXXX XXXX ( for the 3rd time ) appeared on cc XX/XX/XXXX, and was immediately disputed. Original charge ( {$500.00} ) disputed on XX/XX/XXXX and a 2nd one ( {$510.00} ) on XX/XX/XXXX. Both first and second charges finally resolved and a credit given. The third charge was disputed immediately, and I have worked over 50 hours to resolve with Citi Bank. I have mailed letters, spoken on the phone and worked tirelessly since XX/XX/XXXXtrying to get a permanent credit on this issue. No charge was authorized, no mdse received. I have had 56 separate touch-points with merchant and cc company to resolve ongoing issue.
Citi XXXX XXXX XXXX I had a balance of approx {$3000.00} in XX/XX/XXXX, I paid {$2000.00}. In XX/XX/XXXX we made some large purchases ~ {$7000.00} for an upcoming trip. Before I even received my statement I paid {$7500.00}. I will admit I did not realize I had not paid the complete amount for the previous period. Then I receive the XX/XX/XXXXstatement. I am being charged for interest in items all through the next two statements!!! According to their documentation : " If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. '' XXXX XXXX does not do this. I guess I need to read the detail in the future. I think this is criminal how they treat their customers. Everyone should know about this. It is very wrong.
Received a letter from this alleged law firm, in reference to a different collection agency reporting in my credit files, than company mentioned in letter, regarding same credit card company. I have previously advised XXXX, and its dba companies, via fax, the credit card company should have a note, regarding a medical hardship I have been going through, since XX/XX/2018.
All these people care about is getting that {$400.00}!!!!!!!!! What I told them is irrelavant!!!!!! My spouse and I are struggling as it is with things!!!!! We do not need anymore XXXX added onto what we have going on!!!!! And I ai n't responsible for a XXXX THING!!!!! These people gave this account to a XXXX collection agency!!!!!! We 're sick of this XXXX!!!!! For real!!!
There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong accoun t ( s ) . Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX   who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.
I have attempted on numerous occasions to request my annual credit from Experian, XXXX and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.
Good Morning!! I spoke with the manager in XXXX, MS by the name of XXXX!! He was so rude to me lastnight he stated I was irresponsible and made the statement " to not come crying to him later ''. I felt so awful after speaking with him I work in financing and I know that is not the way you handle customers. I tried to explain to him the reason why I was 2 mths behind he demanded me to listen and kept getting louder by the minute. I do understand that I owe the bill and I plan on getting it paid and caught up. My husband has been off work and im the only one working with XXXX kids. XXXX was one rude individual to me lastnight.
XXXX XXXX is trying to collect a debt I do not owe. I only called XXXX XXXX to inquire about prices. They wanted to get into a contract and I did not want that, so I never signed up. Now they not only reporting a debt I do not owe ... they are double reporting. Diversified Consultant and XXXX XXXX XXXX are both reporting on my XXXX report for the same XXXX XXXX debt. This is clearly a violation.
I phoned XXXX XXXX ( XXXX ) XXXX on X/X/17 to pay off an outstanding medical bill of {$1100.00}. The person onn the phone said there was an additional {$740.00} in interest that they added to the bill. The person I spoke with used harassing language, yelled at me and said they would not allow me to pay the bill and terminated the call.
I got a call and they had my name, address and date of birth wrong. They would n't identify who they were but when I called back and asked for supervisor she, XXXX, told me they were skip tracers. She was very reluctant to even tell me the name of her company and got pretty smart with me. I asked her if she was a repo company and she said no. So i asked why they called and she finally said collections. I asked for what and she told me a medical bill. I told her I disputed it. And she told me that she could see I never received any bills because all the information was wrong. I asked what happens from there and she has not answered me. I have no idea what to do from here. I have never received a bill or letters. I would pay the bill but it should n't be on my credit. They have been mailed incorrectly and that 's not my fault.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I was informed via email on XXXX XXXX, 2016 XXXX the day of closing XXXX that Bank of America would not close my loan due to an active redemption period on the home. I had been working with XXXX XXXX since XXXX XXXX, 2016 when I received conditional approval. On XXXX XXXX, 2016 I submitted my loan application along with the sales contract and other related documents. The sales contract included a foreclosure acknowledgment. 

Throughout the loan application process, I provided requested documentation in a timely manner. I would also call XXXX XXXX to inquire about the status of my loan application and ask if any additional documentation was needed. I was constantly assured that everything was moving along as planned and that there were no issues with my application. 

On Monday, XXXX XXXX, 2016 I called XXXX XXXX, loan processor, to inquire about the status of my loan and to determine the final closing costs. Please note this was my first time speaking with XXXX XXXX, and I had to initiate the call. XXXX XXXX stated she needed a few more documents, but assured me my loan would be ready to close on XXXX XXXX, 2016. She was unable to provide the final closing costs at that time ; however, she stated she would call me Wednesday, XXXX XXXX, 2016. I called XXXX XXXX on Wednesday, XXXX XXXX and left a voicemail. I never heard back from her. I was informed the closing attorney sent XXXX XXXX documents related to the bond of redemption, and XXXX XXXX never responded to the email. 

On Monday, XXXX XXXX, 2016 ( the day of closing ) I receive an email from XXXX XXXX stating my loan would not close. I am extremely dissatisfied with the service I have received with Bank of America. I find this very unprofessional and irresponsible. I should have been informed that BOA could not close my loan earlier in the process instead of on the day of closing. There is absolutely no excuse for practicing business in this manner. 

I wasted valuable time and money by choosing BOA. Someone at their organization dropped the ball on my loan application, and it is impacting me negatively. Now, I am left to find a lender who can process my loan in a short amount of time since I was prepared to move into my new shortly after closing. By using another lender, I am forced to start the loan application process all over again. Interest rates have increased since I was locked in at 3.5 %. Now I am looking at higher monthly payments. I will also have to pay for another appraisal. 

My loan was not closed as it should have been due to no fault of my own. As such, I believe I should be compensated for wasting my time and money. I requested that BOA refund me the cost of the appraisal and credit report, {$470.00}. However, they have been unresponsive.
There is  a account reporting on my credit file from Portfolio Recovery Associates in the Amount of {$3500.00}. I have sent both Portfolio and the credit bureaus information requesting to validate this bill several times going back as far as approx a year. Portfolio responded by sending a 1 page copy of what appears to be the statement the the said account with my information. I have once been a victim of identify theft and refuse to be responsible to for something that has not been proven or validated to belong to me. I have requested documents that would show my signature or some form of verification of this debt. Portfolio has yet to do so but is still reporting this account on my file. I have written twice and the last time Portfolio Recovery states they consider this investigation to my validation closed. This debt has not been validated there fore should no t be appearing on my report unless they can do so.