WillisBack/dataset-financial-user-claim huggingface dataset:
My car is financed by Honda Financial. It is a 2011 XXXX XXXX. My finances changed when my hours with my employer were cut back, and I requested That Honda Financial change my due date for my monthly payment to the XXXX of the month. They refused to do that. They said that I had changed it too many times already and they would not allow me to change it again. They said that they would charge me a late fee if I did not pay on time. I asked to speak to a supervisor. The supervisor would not relent. I spoke to several people at Honda Financial and they were adamant, and would not re consider. I told them the bill would always be paid, every month but it would be late because they would not change the payment due date. I realized that they were not motivated to change the date because they would be collecting another {$20.00} per month in late charges if they did not change it. And now I have an extra charge accumulated of {$600.00} in late charges. And now they say that until I clear that {$600.00}, they will not move the due date. I feel that Honda Financial have unfairly collected these extra late charges because they would not change the due date, deliberately manipulating the situation to their advantage.
Regions Bank granted a {$500.00} line of credit loan to me in which I defaulted on. In XXXX XXXX, {$79.00} was withdrawn from my checking account without my authorization to be applied to the balance owed. XXXX XXXX, XXXX, {$150.00} was taken from the checking account again without my authorization and the line of credit was showing active but I was not allowed to withdraw any money from it. This amount caused an overdraft in the account and the my car insurance premium was cancelled for non payment due to the unauthorized amount coming out of the account, attempts to reach the debt collector was futile XXXX XXXX. XXXX {$130.00} was taken out of the account without authorization, XXXX {$100.00}, was taken out without authorization, and XXXX XXXX, XXXX XXXX was taken out of the account without authorization. I called the debt collector XXXX XXXX, XXXX and spoke with an agent to question why I have paid {$670.00} on a debt of {$500.00} and can not see the activity history to explain to me why I am paying more than what 's owed if the account is closed. The agent stated that technically the account is not closed and to use a different word to describe the status of the account. His explanation of the status is that it is still active, I just do n't have access to withdraw any funds from it and it still shows active with a {$500.00} credit limit with no available balance and I still owe {$220.00}. I asked him for what, he stated for late fees and interest. I asked him why I was prevented from seeing the payment activity history online when viewing the account, I had to use the checking account statements to see the amounts taken out of the account but no statements from the debt collector to show the payment history neither in writing nor online. When I accessed the online checking account and clicked on the account for the line of credit, it only shows the amount owed, does not show an activity history. The agent advised me to pay the {$220.00} to clear the account and I stated to him that he has not sufficiently explained to me why I still owe anything as they have not sent me a statement. There has been no statement to show how they 've determined that I owed XXXX, that amount never showed on the online line of credit account, just the {$500.00} credit limit and balances once the debt collector withdrew the money out of the account without my authorization.
I submitted a complaint about the improper use of my credit report to the CFPB on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX responded : " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not a creditor. XXXX XXXX does not extend credit for any reason and is only a credit report reseller. XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. Please find attached copy of executed consumer credit authorization. '' According to the attached evidence of the funding application provided by XXXX XXXX, I authorized XXXX XXXX XXXX XXXX to do the credit check. However, XXXX XXXX respond from XX/XX/XXXX stated " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX ... .XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. '' I did not give my permission to access my report to XXXX XXXX and/or any of its representatives. I demand to reopen the case and erase the credit check inquiry.
As of XX/XX/2018, or mortgage was transferred from XXXX XXXX XXXX, to Shellpoint Mortgage Services. XXXX S.C.XXXX First of all, we where never informed of such a selling and subsequent transfer, of our mortgage to Shellpoint Mortgage Services . This took place sometime in XX/XX/2018. 
Second, ever since our mortgage was transferred, we have noticed many distressing problems, from ; receiving our payments on time. Also our Homeowners Insurance company XXXX XXXX XXXX, made contact with me via email and phone call, informing us Shellpoint had failed to make the homeowners insurance payments. These had to be made in XX/XX/2018. We had no other choice but to provide XXXX XXXX XXXX with our XXXX XXXX  Credit Card, and make payment, since it was already way past the allotted time, of payment for our homeowners insurance. Please notice we have these payment in escrow. Therefore there is no reason for Shellpoint not make  these payments on time..! 
I already have made contact with XXXX County homeowners Real Estate tax account, to make sure the county, has received their Real Estate Taxes on time. We are awaiting for their clarification at this time ...! 

Since Shellpoint has not kept up with properly servicing our Mortgage, I have requested many times, ever since XX/XX/2018 for clarification. Every time I would call, there was a very long time being on hold through their Customer Care phone number. 
When ever I was able to communicate with their staff, it was someone who had no authority to help with the situation and would take my phone number, to have someone call back with a solution. No one would take the time to call us back, at all. Since the problems just keep mounting, we have decided to file a complaint about this ongoing situation. We truly believe the only way to resolve these, and future issues, with Shellpoint, is to have our mortgage returned to the original mortgage service, through XXXX XXXX XXXX in XXXX, IL.
Hello, I took an {$800.00} advance loan on XX/XX/2017. I've been paying {$140.00} every 2 weeks - and thus far have paid back {$1300.00}. This is a lot more than I owe. When I log in to my account on their website, it provides me with no information about when my loan is done or how much I still owe, etc ... I've paid what I owe and don't want to pay anymore. 

Thanks XXXX
Purchased new XXXX XXXX at dealer, used Hyundai financing for new loan, paid off loan in full XX/XX/2011, never received original certificate of title or lien release. Have been contacting them for a lien release for a week now everyday, they promise to fax within 24 hours and then nothing is received.

Hyundai collects a title/lien release/return fee and then fails to deliver in a timely manner or at all.

We have lost a few buyers for our car since we can not provide a clean title, even though Hyundai readily admits the loan is paid in full and nothing is due.

Hyundai customer service is lying to us by having a different story each time we call to inquire about the lien release. If Hyundai can make a new loan electronically in 30 seconds why cant they release a lien in over four years?
Ocwen charged me XXXX for postage for sending a notice of default when I was not in default. The payments were made within the grace period. I sent them information to prove this and they have not responded.
My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.
I received a mail from Mobiloans that I was prequalified for {$1000.00} loan. I applied for the loan and was charged {$100.00} which brought the loan to the total amount of {$1100.00}. I was never told that I will be paying {$95.00} financial in each billing circle. my payments are schedule bi-weekly some times in the amount of {$150.00} or {$140.00}. All I thought the {$100.00} added to the original loan was fixed but not knowing {$95.00} will be added in every billing circle.
my credit limit was once XXXX dollars. i have been paying on my card for a long time. i think pentagon closed my card improperly and did not notify me properly to get legal representation in my matters. I do n't think my account should have been closed for late payments and i have been paying on the card for over 10 years and it should be reopened without having to reapply.
Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX. XXXX XXXX XXXX on XX/XX/XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/XXXX, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur.,  {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XX/XX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. XXXX, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. XXXX, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XX/XX/XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XX/XX/XXXX.
Hard inquiries thats on my credit report that wasnt authorized XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Ive tried multiple time to disputed through Equifax
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedLLY FINANCIAL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
i made a payment from my checking account to XXXX credit card on XX/XX/2018. my account was not charged until XX/XX/2018. i made a deposist of XXXX usd on XX/XX/2-18. as of today XX/XX/2018 it still has not registered. i called 5th third on XX/XX/2018 and was told the deposit would be availible on XX/XX/2-18. it is still not availible.
I had an account open with XXXX XXXX that was the victim of ATM fraud because something like that takes a long time to investigate and although it was decided in my favor the account was in the interim closed as a negative by mistake with XXXX XXXX  and reported to XXXX. When I notified XXXX about the fraud they referred me back to see our a management as a wider of that data and not XXXX XXXX  and that I believe is the loophole that they lean on to continue to report in accurate information and not to be in violation with the CFPB or the FCR it act. It is a direct violation of our rights as consumers and should be corrected and the firms fined and sanctioned. What good is the FCRA law of You can simply pass it on to a company with a PO Box and claim they are getting the information from them. That in itself is a violation since they are not getting the information back from the actual source.
I have sent dispute letters to the credit bureaus and to XXXX XXXX XXXX   beginning on XX/XX/XXXX and continue to send letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the information reported on my credit has been reported inaccurately and has not been reported in compliance with with FCRA and FDCPA guidelines.
On XXXX I applied for a XXXX XXXX XXXX.they said they did not use a credit reporting agency for the denial it was because I had a charge off in 2010 I explained I had to close all of my accounts when I filed for chapter XXXX. I did not have a balance on the card with Barclays Bank. XXXX XXXX
Company calls daily. I have spoke to them twice ; I do not know the person they are trying to collect from, but they continue calling every day.
I was contacted by a collection agency on a pay day loan. A man named XXXX said I owed on a pay day loan and he was a mediator hired to resolve the debt before charges were filed against me for check fraud. I asked for verification to be sent to me he said all he could do was email me his information. He would email and I needed to call back by XXXX the next day. I explained I needed more information. I received an email with no information on the company I owed the debt to only that it was from XX/XX/2010. I researched the number on line and found numerous complaint so I did not call back. The next day my husband started receiving phone calls threatening criminal charges against me for check fruad. He told XXXX he knew nothing about the debt and he would give me the message. I then received a call from my daughter as this XXXX person called her 3 times saying I was being served a court summons for check fruad and to tell me to contact a lawyer. Day 3 XXXX called my daughter again left a voice mail with my date of birth, last 4 numbers of my social security number and that I was being served a court summons at work Monday for criminal check fruad. Also stated not to return call he was sending the information to XXXX County Court House immediately. I have saved the voice mail as proof of this violation of my personal confidential information that is being carelessly left on voice mail that clearly states is not my phone. This agency is harassing my family members stating I committed fruad and need to contact a lawyer to exspect a court summons. These call are coming multiple times throughout the day. 
The number the calls are coming from is XXXX
I am a victim of identity theift and the inquires listed below are a result of the identy theift XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from  XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX
COMENITYCAPITALBANK/XXXX # XXXX XXXX XXXX XXXX XXXX , OH XXXX Date Opened:XX/XX/2017 An  account was opened in the above company under my name and with my information, a charge of under {$50.00} for a pair of shoe ( that show up on my front door ) The pair of shoes was returned with enclosed label on box, I did n't opened the account or ordered the pair of shoes, my husband was at the hospital at that time. 
COMENITYCAPITALBANK/XXXX has me as a delinquent for about {$130.00} I called several times and requested the account closed and all late fees reversed because I explained that I did n't do the purchase. 
This is an scam to get fees. 
Please help me to stright this out. If you go online you will see the all the reviews for this company, this is their modus operandi. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Had a phone with XXXX get water damaged. Phone did n't work anymore. Bought out of contract with phone # 1 for XXXX bucks to verizon. 

Opened up new line for phone # 2 through XXXX wireless advocates online. Received phone, phone does not work or preoperly sync with previous XXXX account or XXXX music. Numerous issues with phone as it was not shipped properly ( literally in the factory packaging with no protection for shipping ). Returned phone before 2 weeks was up due to ineffective phone not working properly even to call people. 

Opened up alternate new line in last attempt to receive proper service with a working phone. Went through XXXX XXXX rather than online distributor. Even worse results with iphone not being able to update while contacted to wifi with multiple error codes and account issues and music issues again. Returned phone before 2 week period was up and was tied into contract. 

Tried again with alternative service provider and much better results. Do not want free service, I want a phone that works which could not be accomplished through XXXX and XXXX. 

XXXX reaches out saying you owe us {$78.00}. I call and talk to customer service. XXXX, a female representative, informs me they will call me back after getting manger approval after getting {$20.00} activation fee removed from account for now {$58.00} owed. They never do and I get new notice in the mail. 

New notice now claims {$220.00} is owed on account that has and already is closed. I can not login online to account due to it being closed, but every notice in the mail indicates it is different. 

Receive new letter saying - {$140.00} has been given back to me or accredited to my account. Receive new notice saying it is now {$560.00} both from XXXX and their collections agency XXXX. 

Calls have been made to family members from collection agency demanding to speak with me. XXXX refuses to solve anything with customer service reps and gives me same run around spiel. 

Nothing is getting solved. If I returned both phones and do not use any line with them and canceled the very first line out of my own pocket, why should I have to pay {$560.00} after they just informed me previously that they took {$140.00} off from the {$220.00}? 

None of the numbers are adding up, no XXXX customer rep can help me, and the bill keeps growing even though I do not owe anything for lines that have been canceled.
I filed bankruptcy, and was discharged under chapter XXXX, XXXX yrs ago. At that time I reaffirmed both my mortgage and home equity loan, and have been paying as agreed. XXXX companies have refused to report my payments on my credit report. My report states-account closed due to chapter XXXX. This is hurting my credit score tremendously.
Complaint # 1 : Per both my wife and my letter datedXX/XX/XXXX attached I wrote to give how I observed that TransUnion and XXXX bureau when posting those things that cause score to go down are posted without delay ( i.e., hard inquiry posted same day or within days ).

Complaint # 2 : Parity is needed between posting good credit vs. negative ; per our letter attached I pointed out to bureau that I had one late payment during XX/XX/XXXX on my XXXX account and my score was drastically drop by 100+ points in a matter of 30 days or less but subsequently upon bringing it current now both XXXX and XXXX has not resulted in any corresponding score increase upward. And upon reducing my utilization debt percentage I only saw a 30 point increase in score as oppose to 100 points to return my score back in the 700 range where it originally was at before any of the negative issues ( i.e., late payment or high utilization ) surfaced. Again the attached letter provides all of the specific details not listed here. 

Complaint # 3 : Often times get a system error message when trying to file dispute on either bureau ...
My loan is currently being serviced by XXXX XXXX. A lender and/or servicer CAN NOT collect on a debt that is TRANSFERRED DURING the DEFAULT of the LOAN. My violations as a Homeowner have been violated. I already accepted I can not remain in my home and since short selling my home was one of the options given to me to " avoid foreclosure '' I began the process. It has been a challenge with XXXX XXXX counter offering during the process causing the interested party to walk away from the transaction. The truth is that a short sale process is just as long, hectic and stressful as a modification and the servicer is well aware of that which is why the servicer should not delay on providing responses and/or an approval. I am currently facing foreclosure and only need 10 days to allow the transaction to close but XXXX XXXX, the servicer of my loan, is refusing to provide a postponement of the 10 days needed. I am asking to exercise my right as a homeowner to avoid foreclosure.
this is a fraudulent account that I did not open and is still being reported and collected on .... that needs to be removed ... this was from my identity being stolen
I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XXXX
Upon looking at my Transunion, XXXX, and XXXX  credit file, I learned of a collection account from XXXX XXXX had been added. I have tried to reach out to this company through Consumer finance protection bureau and XXXX XXXX XXXX in regards to this collection account. I have no signed contract with this company. This account is not a validated account nor is this account verified. This is a non verifiable item that has been placed on my credit file causing my score to drop.