WillisBack/dataset-financial-user-claim huggingface dataset:
I have purchased a car from XXXX in XX/XX/XXXX.  My car was repossessed in XX/XX/XXXX. My loan term was originally 60 months and now it is showing 80 months. I fell on hard time because of a job layoff. Since my car has been repossessed I have not gotten any written documentation from Santander about where my car was taken and what the next steps were and where to go to get my personal belongings from the car. I have contacted Santander asking for validation of my debt on XX/XX/XXXX and was told they would send me a copy of my contract within 10 business days which I still have not yet received. Upon checking my credit report there is an address listed that I have never lived at nor do I know where it is located. My credit report changes every month on the amount I owe Santander. The status one month it will show XXXX and the next month it will show XXXX and now it is showing a balance of XXXX, it will also show write off due to bad debt and then it will be changed to late payment and now it is showing closed/ charged off account.
XX/XX/XXXX-Reviewed a copy of my credit report and was made aware of an account opened in XX/XX/XXXX at Macy 's with a balance of appox XXXX, immediately I contacted Macy 's, spoke with XXXX and had the account closed. I then contacted XXXX to have a fraud alert placed on my credit file. Also, I began the dispute process on the account through the credit reporting agencies. 
XXXX XXXX contacted the fraud investigations department at Macy 's and filed a fraud case # XXXX stating the account was not authorized. I was advised the statements had been sent to XXXX XXXX XXXX XXXX, AL XXXX and then XXXX XXXX XXXX XXXX, AL XXXX. As requested I provided all the required documentation to the Fraud Investigation Department including a copy of my drivers license. 
XX/XX/XXXX-Macy 's acknowledged receipt of the fraud claim via mailed correspondence. Throughout the fraud " investigation '' process, collection notices were continuing to be sent. 
XX/XX/XXXX-Macy 's fraud investigation department mailed a letter stating my fraud claim could not be accepted and did not state a reason for the denial. 
XX/XX/XXXX-Feeling very frustrated and out of options, I eventually called Macy 's trying to get answers since the collection notices and calls were continuing. I contacted customer service at XXXX and spoke with XXXX XXXX. I explained to the representative the situation and asked for copies of all the statements for the account since it was opened. I also requested a copy of the credit agreement I had " supposedly '' signed. She initially responded by saying it would not be possible but then said some of the statements could be provided for {$3.00} but then stated she would be unable to assist me with my request.I was then transferred to XXXX in the Fraud Prevention department.I then recalled the story once again and made the same request for copies of the statements and the credit agreement. I also requested an explanation of why my fraud claim was denied. XXXX response to me was as follows, " Payments were being made on the account, so it was n't considered fraud ''. She then gave me another number to call XXXX which from the automated system referenced bankruptcy claims. 
I 'm not sure if this is the best place to turn for an attempt at a resolution but I figured it was worth a shot. I 'm a single parent of XXXX children and ca n't afford negative accounts on my credit report. Please help.
My check fraud claim was denied because lack of ordinary care. Chase stated that I have a previous claim in 2014 and did n't close my account so this claim can not be approved. However this claim is because stolen checks and complete unrelated to the last one, even if I opened a new account, the stolen checks will cause the same issue.
I opened a TJX Rewards Platinum MasterCard Account Number Ending in XXXX in XX/XX/XXXX with a purchasing amount of {$53.00}. 

I never received monthly statements from the Synchrony Bank. ( Synchrony explained the reason why they sent to a wrong address in detail. I attached their letter ) This bank marked 120 days late payment and charged off the account and sold it to XXXX XXXX XXXX. 

XXXX could find my correct address immediately and started to send letters to collect money. I found out the status of this account only after I received the letters from XXXX. Meanwhile, I never received any messages from this bank before they charged off this account. 

I started the long, painful way to contact Synchrony Bank to correct the mistake they made. they were very nonresponsive, irresponsible and provided multiple wrong information/direction alone the way. Finally, I got a letter from their Senior Specialist, XXXX XXXX on XX/XX/XXXX after I filed a complaint through CFPB. In the letter, she admitted the mistake they made and promised to try to buy the account back from XXXX and send a request to major credit bureaus to delete any derogatory information reported to this account. However, I never received any update from her that if she did successfully buy my account back from XXXX or any payment statement to let me know the amount I should pay. 

I called her back in XX/XX/XXXX at the number she provided to me to follow up after my loan officer notified me that my credit score was only XXXX due to the charge off and late fee which seriously affected the mortgage rate I would pay, resulting a few thousand dollars more each year. 

I called XXXX XXXX 12 times and left detailed messages each time to beg her to fix the problem since XX/XX/XXXX. she never answered the phone or returned my calls. I paid off the balance of {$53.00} on XX/XX/XXXX although I never received any update from XXXX XXXX. I do not owe Synchrony Bank any money now. 

I was so desperate. I called their customer service again and they provided a P.O box and advised me to write a letter that it was the only way to contact Synchrony Bank regarding my problem. They gave a P. O. box number. I questioned the representative that they gave me the same P.O box number a few months ago previously and it turned out that it was a Gap Card center P.O. box. I did receive a letter from them to state that my Gap Card was in good standing although I made clearly that the letter I wrote was for the TJX card issue. The representative said Gap and TJX share the same P.O. BOX. 

I wrote it to the P.O. BOX again. Unfortunately, I received Gap Card response AGAIN even if I made it very clearly that it was for TJX card in details in the letter as if I have dealt with Robot instead of any live person at this bank. 

Then, as if a retaliate, my credit score was dropped 6 points with unknown reason after Gap Card reported to major credit bureaus.
The agency will not remove multiple collection accounts from a single medical facility. I do not have multiple accounts with the creditor, but the collection agent is reporting multiple statement items as separate accounts. It is a single hospital they claim I owe money to, on multiple accounts, yet I am the only person who has received treatment so I can not be listed multiple times to unfairly prejudice my credit report.
I've been contacting Equifax since XX/XX/2018 regarding a fraudulent inquiry from XXXX XXXX that was placed on my credit. They wouldn't remove it, now I have a charge off/collections account from the same XXXX XXXX company on my credit. I have contacted all 3 credit bureaus and XXXX XXXX and it was in fact deemed fraud. A letter from XXXX was received & sent to all parties involved stating it needs to be removed from my credit report. Equifax is still not removing this item and it is preventing me from buying a home as it has dropped my credit score over 70 points. My data was part of the Equifax data breach and I believe that is how this occurred.
1. XX/XX/2018, I chose not to renew my Hazard insurance carrier to be effective XX/XX/XXXX, on the date of the policy expiration, 2. I purchased a new carrier on XX/XX/2018, which notified the Mortgage company Quicken Loans on XX/XX/XXXX, so that there would be no lapse in coverage. 
3. On XX/XX/XXXX, the old carrier notified Quicken that my insurance had expired and that I was no longer covered 4. XX/XX/XXXX, I received a letter from Quicken datre, XX/XX/XXXX, stating that there was no coverage on the property and they would set up lender-forced insurance coverage ( single interest ) insurance. 
5. After several calls to my agent and my new Carrier, it was proven that Quicken was notified by the New Carrier on XX/XX/XXXX that coverage was in place and that Quicken was appropriately listed on the policy as the lender, 6. XX/XX/XXXX, I asked Quicken to remove the letter from my file. They refused. I sent an email making the same request, and again they refused to remove the negative letter to induce lender-forced insurance ( single interest insurance ) 7. I sent an email to Quicken and asked them to place all my email request along with the " negative letter ' ) document to show that indeed there was insurance and that they acted hastily and without review before sending the notice to induce single-interest insurance on my account. 
8. Quicken has agreed that it will send a " notice of correction '' to indicate that there is " Proof of Coverage '' as a follow-up to the Lender-forced Hazard Insurance letter, but will not remove either letters from my file. 

Resoultion : Because I consider the notice for Lender-forced Hazard insurance partially meets the requirements as " Letter of Error '' ( not as a violation of foreclosure act, but it was a early and unneeded initiation of a letter that should not be in my files, regardless of its limited impact ( such as future forced escrow accounts, or denial of coverage for failure to pay insurance, etc ) and should be removed from my files in its entirety, even though no purchased of the Lender-forced insurance policy was initiated.
CMRE. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Followup to complaint XXXX. 

I am at wits end with Experian. This is the third time I have submitted this request and not once has the issue been addressed. I keep getting the same boiler plate garbage although my request is totally different. THEY SIMPLY DO NOT READ!!!! 

Let me try again to explain what I need. XXXX please pay attention, because you keep closing the complaint without reading question nor answer. 

There was a dispute with XXXX CT XXXX because they idiotically kept sending notices to my old address one year after I had moved. This resulted in some rude incompetent collection agency harassing me. 

After contacting XXXX, I agreed that the amount ( {$140.00} ) was due but I have not paid them BECAUSE ( and please read carefully ) BECAUSE NEITHER XXXX nor EXPERIAN will accept responsibility for removing negative remarks from my credit report. They both say it is the other one 's responsibility. I AM CAUGHT IN THE MIDDLE. 

I will pay XXXX upon confirmation by both parties that they will agree to remove negative remarks from my record. 

IS EVERYBODY STILL FOLLOWING THIS??? 

Now, can I get an answer?
US Bank Home Mortgage is the servicer of my home mortgage. It was " modified '' under the HAMP (? ) program in XXXX. Last month, my statement indicates " all mortgage payments are due on the first day of the month '' and after the first day are determined to be late. In other words, the 15 day window in which to remain current with the mortgage is gone. They also said they will assess a {$5.00} fee to use auto debit payments from a bank account. I do n't find anything in my mortgage documents to support such policy and fee arrangements. Also, regarding PMI payments : my principal is {$100000.00}. The market value of my home is over {$170000.00}. XXXX refuses to release the requirement for PMI. I do n't believe this is justifiable in the current mortgage market.
USAA erroneously duplicated the images of an electronic check deposited that in affect deposit XXXX check twice versus the XXXX checks i was attempting to deposit. After becoming aware of the error and informing the bank of the error USAA eventually deducted the duplicate deposit and forced me to redeposit the missing check. After 2 weeks USAA again deducted the deposited check from my account and then charged fees and deducted funds from other accounts to cover the short fall. USAA refuses to fix their duplicate deduction despite admitting the issue and " submitting '' paperwork to resolve the issue. Every time I call back I get the specific transaction was n't an error. Sorry we 'll have to resubmit. MY accounts were fraudulently deducted credit the money and USAA refuses to fix it. It has been over 30 days since I first contacted USAA about this issue and they continue to give me the run around.
My wife and I opened a new checking bank account with Charles Schwab. T o do this we provided our  XXXX  expecting that this would be used for a identity verification and result in a soft credit file hit.  Ch   arles Schwab has done a hard credit file hit. We did not apply for any credit and we do not want any credit with Charles Schwab.
We have requested Charles Schwab to remove it and they refuse. We have disputed it with  XXXX . The hard credit hit is only with Equifax. Charles Schwab has done soft credit hits with  XXXX  and  XXXX . Soft credit hits for identity verification are fine.
Entered into a rehabilitation loan repayment program about 11 months ago and was told that First, the interest would be at XXXX balance owed when completing the program. I have looked into the law regarding what governs this under 34 CFR 662.405 section 4, Vi, Paragraph B, of which it clearly states that they can not charge more than 16 % total collection costs to be added to the unpaid principal of the loan when the loan is sold to an eligible lender or assigned to the Secretary, which may not exceed 16 % of the unpaid principal and accrued interest on the loan at the time of the sale or assignment. The amounts shown would indicate that this would be more than 16 % and I was not notified within the 45 days of this assignment that it also clearly states in the CFR. I had brought this to the attention of the interest charges were way to much and I am asking that they recast the discrepancy that I had originally requested before transfer to a servicer.
During one of my deployments a XXXX XXXX loan was refinanced in my name. I was unaware of this debt until about XX/XX/2017. This account wasnt opened by me but to prevent loss of my clearance I caught the payments up and have been making them in effort to prevent my credit from taking any continued downspiraling. I contacted XXXX to request a goodwill effort to have the late payments removed from this account because I was unaware of the loan and was XXXX when it was opened / refinanced. I have never heard from anyone about this issue. I make the monthly payment on time and digilently did what was necessary to bring it current when I found out this account had been refinanced. XXXX XXXX XXXX is suppose to be a company looking out for servicemembers but instead it seems like a predatory lender. High interest rates and no flexibility to help servicemembers .Where are the benefits for servicemembers on XXXX or protection? I am not asking to discharge the loan only asking for XXXX to remove the negative payment history as i was on XXXX to XXXX when the loan opened and when the late payments occurred. I have made numerous attempts to get help with this by contacting the Customer Advocates, XXXX XXXX and XXXX XXXX only to hear nothing back. In the past I had a good relationship with XXXX and that is the only reason I took responsibility for this loan I did not open.
i was contactedv by XXXX saying i was overpayed. I know for fact my kids mother was handling allm the XXXX and XXXX stuff. In would of never accepted moneyb whichn in did not deserve. I am convinvced either my kids mom got and spent the moneyb or there was a error om your side,. Account # XXXX food stamp.oRIGINALLY I AGRREED YOM PAY THIS MISTAKE NBACK FROM MY S.S.I BUT AFTER THOUGHTS I CANT HELP BUT XXXX IN DID NOT RECEIVE THIS MONEY. PLEASE HELP XXXX XXXX
On XXXX XXXX, 2016, I requested my transunion credit report. I received it ( file XXXX ) and submitted a dispute form regarding an account with XXXX and XXXX on XXXX XXXX, 2016. I did not receive a reply from Trans-union. The same inquiry was submitted to XXXX and XXXX and both have communicated to me since that date. On XXXX XXXX, 2016 I wrote Transunion a letter stating that my XXXX XXXX dispute had not been addressed. I submitted a copy of the original dispute form as well as requesting that Transunion report the disputed XXXX account accurately pending the results of the dispute. To the date of filing this complaint, XXXX XXXX, 2016, Transunion has failed to address my dispute.
HI XXXX XXXX YOU XXXX XXXX, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? 
where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
There is name listed as XXXX XXXX XXXX listed on my credit report. This middle initial is incorrect. 

My name is XXXX XXXX XXXX. 

Thank you.
Traded an online friend for a game and he never held up his side of the bargain and took my money. Essentially scammed me.
Creditor is reporting accounts that are invalid and unverified. XXXX   XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
BankOfAmerica charged me both a late fee and interest fee. I had tried setting up auto pay in the past but could not find a way to do it. I have several other credit cards and they all offer the option to pay the full balance on the due date which allows me to avoid those fees. BankOfAmerica does has not offered me this option and I reached out to their customer service 3 times on Sunday XX/XX/2018 to get a one time refund but they are refusing that request. Right now, the only option I have is to set up an auto pay for a certain dollar amount, which is not helpful since the account balance varies significantly month after month.

I feel like this is a predetory banking practice by deliberatley making it difficult to set up auto pay to impose these unecessary fees.
I am submitted several disputes to XXXX, XXXX and XXXX and they all come back as verified. I just submitted a dispute with each of them in XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX XXXX sent a packet that included billing statements. The issue of inaccuracies was never address.
I had my Loans end up in collections. I had made an arrangement with the collections agency and satisfied that arrangement. It was then transferred to Fedloan Servicing. I made an arrangement with Fedloan servicing to pay back  XXXX  $ per month ( the minimum I qualified for, ) and I agreed to pay an additional  XXXX  $ for a total of  XXXX  $ per month.   This was fine for abo ut 2-3 m onths, then in   XX/XX/XXXX , I  got a notice that they increased my statement amount from  XXXX  $ to  XXXX  $ per month and told me I would have to do an application for income based repayment. So I get the info to fill out, and I ca n't access it, Also, the statement they sent me, says total repayment per month is  XXXX  $ but it also shows that they want my current payment is  XXXX  Plus the extra  XXXX  $ =  XXXX   .  I am worried about sending any additional monies to this company that ca n't even provide accurate billing and also does n't adhere to arrangements that the company itself made. Not sure what to do here. I ca n't afford to pay  XXXX  $ per month and still keep afloat.
Portfolio Recovery calls me 2 to 3 times a day even after I told them the case was dismissed in court and I asked them not to call me anymore. I was told they would keep calling me until it is resolved. 
It was a credit card debt and I went to court, it was dismissed XX/XX/2015 because I am XXXX and on XXXX.
Continuously calls claiming I owe money to XXXX XXXX XXXX. I have never had a bill with XXXX XXXX XXXX. Refuse to stop calling. Had to block number
Debt collection notices constantly received from Transworld Systems Inc . I have called twice and notified them that debt has been paid with Check # XXXX cashed by XXXX XXXX XXXX on XXXX XXXX, 2015 for the full amount of the debt of {$40.00}. ( Scanned copy with full cashing information attached ) My account # at Transworld is XXXX. However, Transworld continues to send me collection notices more than weekly despite my calls. The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX goes directly to an answering service when called. I provide all requested information and am told I will be called back within 24 hours. After 5 calls, they have failed to contact me. I consider the actions of Transworld invasive and abusive and the lack of response from XXXX XXXX XXXX XXXX against reasonable business practices. Furthermore, they only have one method of contact -- phone -- - which as previously stated is an answering machine with no return phone calls despite numerous attempts by me and assurances on their part.
I am requesting that the alleged debt be waived because of the following exceptional circumstances : My father was diagnosed with a health problem that has impaired his ability to work  and drive .   Giving his current financial status and health problems he can no longer fulfill the terms of the original loan.