WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I purchased a new car and the loan was placed with Ally Financial. The car loan was paid off XX/XX/XXXX. 

I am currently purchasing a new home and it was brought to my attention that Ally Financial reported to the credit agencies that I had paid my car payment 3 times over 30 days. The months that were reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was very confused, upset, and extremely concerned about this reporting so I requested a detailed statement from Ally to have a better understanding of this issue. Ally first told me that they could not provide this due to my loan being paid off in XX/XX/XXXX and that they could not answer my questions regarding my account. Then I demanded a complete account statement because I have to provide additional information as well as a reason regarding these payments being reported on my credit. Ally at that point emailed me a very confusing statement that showed that they did receive my payments for the three months in question and they were not 30 days late. Also, what is even more confusing is the inconsistency of the interest payments that were paid every month. 

I at that point pulled my bank statements to see the dates and the amounts of the payments and my bank statements confirmed what I already knew. I was never 30 days late in any of my payments to Ally. 

For the XX/XX/XXXX payment their statement shows they received a full payment on XX/XX/XXXX. 

For the XX/XX/XXXX payment they have 4 line items about this payment all dated XX/XX/XXXX. they show XX/XX/XXXX they received my payment, then it shows they backed it out ( same day XX/XX/XXXX ) then they credited my payment to my account ( XX/XX/XXXX ) For the XX/XX/XXXX they received payment on XX/XX/XXXX Again this is according to their print out that they provided me on my second request and I confirmed with my bank records as well. As you can see NONE of these payments were late. 

Due to Ally Financial 's incorrect accounting and reporting of my payment activity is effecting my ability to secure a new mortgage! I have over a 700 credit score and I need Ally to correct the reporting error as soon as possible so my lender can see that I have indeed taken measures to have this resolved. 

Thank you for your consideration
See all attached files associated with this. They keep saying I am XXXX XXXX XXXX, XXXX. I repeatedly told the plantiffs attorney that I am not here and that my father 's name would have to be XXXX XXXX XXXX XXXX My father 's legal name is XXXX XXXX . He has been deceased since XX/XX/XXXX. They are saying that the account was opened in XX/XX/XXXX with the address of XXXX XXXX XXXX XXXX, Tx. My legal address as of XX/XX/XXXX is on file with this agency. Also there is another document attached from the XXXX County website where you can access court records. If you will notice there is no TX DL No found associated with this person. I provided the processor with a legal birth certificate and the plantiffs attorney would not buy it and is not buying it even after I talked to him. They are saying I am XXXX XXXX XXXX XXXX. I am not. We are not the same person. I guess they will say that the DL NO belongs to XXXX XXXX XXXX XXXX Any legal document will not have initials on it, it will be a full name.
On XX/XX/XXXX, a closing was to take place for the sale of a residence I own. The sale has been postponed due to the following. On XX/XX/XXXX, my closing Attorney contacted my Mortgage Bank, Mr. Cooper, and was advised that I owe {$85000.00} on a Balloon Mortgage. A Mr. Cooper employee e-mailed the Balloon note to us. This loan originated on XX/XX/XXXX, when I closed on the loan of a Conventional Fixed Mortgage for {$85000.00} with XXXX XXXX A comparison of the Balloon Note, and my closing documents I kept from the closing, clearly show that the signatures on my closing documents and the Balloon Note are in no way similar, and both documents are dated XX/XX/XXXX. To date, I have never received copies of closing documents from XXXX XXXX. At closing they refused to supply same. When the notary left the room, I made copies of same which are attached. In closing, I have never signed a Balloon Note. The loan originated with XXXX XXXX, was transferred to XXXX XXXX XXXX, and serviced by Nationstar / Mr. Cooper. My documents regarding the Mortgage is, The New Loan Payment Form list the loan type as a Conventional Mortgage, not a balloon. The form also list the term as 180 months with a payment of Principal & Interest. The Mortgage Loan Commitment list the loan as a Fixed Rate with boxed marked, the Balloon box is not marked.

The Lock-in Agreement list the loan as fixed ( no Balloon ) with 180 months with Principal & Interest. The Itemized of Amount Financed, NJ Application Disclosure, Occupancy Certification, and Mortgage, are all signed and clearly do not resemble the signature on the Forged Balloon Note. On XX/XX/XXXX, I contacted XXXX XXXX XXXX  regarding obtaining my Mortgage Loan Documents related to the Forged Balloon Note. On XX/XX/XXXX, I received forged copies of an Itemization of Amount Financed, Truth in Lending, and Notice of Right to Cancel. An examination of the Itemization of Amount Financed from XXXX XXXX XXXX, is a completely different document from my Itemization of Amount Financed I signed at closing listed above. The signatures and contents of the document are completely different. All contacts with Mr. Cooper are attached documents
I am a victim of identity theft, I have filed a police report and a signed affidavit, someone received a loan on my name without my consent or knowledge with Volvo Finance, I have forwarded all the necessary documents to them and they are ignoring me and giving me the run around.
I 'm Filing This Complaint Against Wells Fargo AFTER Being Denied A Third Time, I REPEAT A Third Time For A C.L.I. On A Card I 've Had For 3 Years. I 've Been A WF Customer For OVER 4 Years, My Card Began As A Secured Card, And I Was Told That When It Became UN-Secured, I Would Receive A Limit Increase, because My Payments Were Automated ; And It NEVER Happened. My Card Has Now Been UN-Secured For OVER A Year Now, And In The Time Since, I 've Gotten XXXX OTHER Cards, XXXX With TWICE The Limit Of My WF Card, XXXX Of Which Has A Limit 7x The Limit Of My WF Card. The Other Of Which Has Received XXXX Limit Increases AND Is Currently OVER THREE TIMES The Limit Of My WF Card. ONLY XXXX Of The Cards Has A Utilization Of More Than 30 %, And My WF Card Has Carried A XXXX Balance For Approximately 3 Months & Counted. I Also Purchased A Car with NO MONEY Down, NO INTEREST, NO PAYMENT For 60 Days AT 5 % APR. My Take Home In 2016 Exceeded My Expenses by Over {$1100.00} Monthly, And I 've NEVER Missed A Single Payment, On ANY Of My Accounts. Wells Fargo DOES NOT CARE ABOUT THEIR CUSTOMERS AT ALL. They Have ZERO INTEREST IN HELPING THEIR CUSTOMERS DEVELOP A FINANCIAL FOUNDATION, Retaining Current Customers OR Gaining Future Business. I Had EVERY Intention On Opening A Business Account With WF, But That Is NO MORE. I ONLY Bank w/ Wells Fargo Out Of SHEER Convenience, because Both Of My Little Sisters Have Accounts, And It 's Easy To Transfer Funds. However, AS SOON AS I Restructure My Business, We Will ALL Be Moving Over To XXXX BANK. WF Has THE WORST Customer Service I 've EVER Experienced, And Some Of The MOST ill-advised People I 've Ever Had The Dis-Pleasure Of Speaking With Inside Their Branches. I CAN NOT Wait To Change Banks.
My auto loan with Capital One was taken out in  XXXX    XXXX   as a refi. The original loan was with  XXXX .  XXXX  was paid off and for the last year I have made my payments on ti me to Capital One.    I was in an auto accident on  XXXX  and my car ended up being a total loss. My insurance company called to ask if I was the only title holder. Confused, I said that  no, Cap1 h as a lien on the car and is on the title. Well come to find out they are not. Because they never filed the title that  XXXX  sent them with the state of DE. I called  XXXX  to confirm it was sent and was informed it was sent the same week they received their payoff. I was told b y a Cap1 rep th at it was found " sitting in a drawer ''. So now the loan payoff from my insurance ( and the rest to me  ) is signif icantly delayed which is also delaying my ability to purchase another vehicle.   At best I feel that this is gross negligence and at worst it feels like it should be illegal. This is n't just a HUGE source of stress for a waste of my time - this simply should not be allowed to happen.    XXXX   XXXX   (  my insurance company ) has gone above and beyond to make sure the payout is expedited using just a copy of the lien release from  XXXX  and a payoff statement from  Cap1 despit e normal state guidelines. But they should n't have to. How many other customers have titles just " sitting in a drawer ''?
I've been trying for almost 4 years to make Experian remove multiple accounts dating back to XX/XX/XXXXthat were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with EXPERIAN AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX  AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX  AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH EXPERIAN TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM PRIME MORTAGE ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT EXPERIAN HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED EXPERIAN AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND EXPERIAN IN DEPTH REPORTS AND XXXX  IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT EXPERIAN DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH EXPERIAN AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.
I have requested that Equifax ( EQ ) update the bankruptcy reporting file date in my credit file. I have submitted documentation supporting the inaccuracy. Equifax is reporting a incorrect file date for the case number XXXX. Equifax replied that I am a credit repair company, due the verbiage use in my complaint. I am enclosing a copy of my XXXX that verifies my name. The XXXX proves a level of competency. XX/XX/XXXX, EQ stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. EQ states that the public record information obtain was from a third party vendor XXXX ( XXXX ). EQ states that if I have any additional further questions contact US Bankruptcy Court. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
EQ filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. 
EQ continues to report XXXX XXXX XXXX account inaccurately the account balance is inaccurate by approximately {$2500.00} and the balance is 75 % below high credit. 
EQ continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account wil be in the file for 7 years I am requesting that EQ   permanently report my correct file date as confirmed by XXXX. 
I am requesting EQ method of verification. 
I am requesting EQ update XXXX XXXX account and XXXX account.
In my most recent credit report, only SSN, XXXX account and XXXX account belong to me. Others belong to another person. I have attached an XXXX report, which is correct, hope that can help you correct my credit file. When I got my first credit card, I had no SSN and lived in the previous address, hope that could help you find my missing accounts in your system.
On XX/XX/XXXX, i contracted services from XXXX XXXX. I requested a video inspection and report and was quoted {$450.00}. I agreed to the charge and was advised that a report would be provided within 24 hours. I called the morning of XX/XX/2018 and the company advised i should be receiving the report by XXXX, called at XXXX and they advised before end of business day. By XXXX i called one last time to request the video and report and the manager XXXX advised that the machine was broken and they did not have any report to provide. At that point i advised the manager that i would like a refund because the service i requested was not provided in a timely manner as they promised. Since this date i have called and text on numerous occasions expressing my dissatisfaction. There has been no effective communication on when i would be receiving my money for a service i never received, Chase has decided to close the claim against them without seeking out further information from the consumer. I have advised chase that i am unhappy with their decision and would like if further investigation could be taken and they advised they can not do anything else. I don't think Chase did enough on my behalf to rectify the issue and allowed a business to bully me out of {$450.00}.
Called XXXX XXXX on XXXX/XXXX/XXXX concerning return of an over payment of XXXX, customer service representative took down my routing and account number from my checking account and mentioned that I would have the money credited back to my checking account within XXXX business days. As of today XXXX/XXXX/XXXX the money has not been returned to my checking account. 

XXXX/XXXX/XXXX I spoke to a second rep from XXXX XXXX XXXX XXXX XXXX who informed that an investigation would be started and that this process could take another XXXX to XXXX business days to investigate. This form of business is unfair to the customer especially if the situation was turned around and I had owed the money.
Received a letter from Experian stating that a changed has been made to my account. They provided XXXX phone numbers to which I called. The recorded message said there has been a changed to my information and if I did not make those changes stay on the line to obtain a credit report. I called several times and held for for a total of fifteen minutes only to be hung up on. 

Experian has a habit of not allowing the consumer access by phone and if you ( the caller ) do n't respond to the prompts ( even if the prompts do n't apply to your situation they hang up the call. It 's there tactic of avoiding the customer/consumer. Experian are not accountable.
I ran my credit score through XXXX XXXX and stated that I had a credit card account open since XX/XX/2003 which is impossible. The credit card shows as " Citicards Cbna '' and I have called the company but stated that they do not see an open account. However, the credit card shows open and i believe its part of an identity theft. Would you please help? 

Thank you!
Mass Department of Revenue places a lien on me in XX/XX/XXXX for taxes not filed.After doing the taxes for years XX/XX/XXXX-XX/XX/XXXX they owed me a refund for every year. Im asking that the credit bureaus remove this information from my credit report.It is reported as paid which it never was they owed me.l did get Mass DOR to write a letter stating this but the credit bureaus dont recognize this as suffficient.Ive disputed this action to Yea of course avail. Im asking that this lien be removed.
I was making a purchase online with a store credit card that I have had for about five years. The purchase was for two items that amounted to XXXX-XXXX XXXX dollars. I have a credit limit of {$1200.00}. I had no balance at the, I had tried to make a purchase in XX/XX/XXXX and XX/XX/XXXX. I was directed to contact customer service, and I did. The rep for the company told me that because I had not purchased anything for so many months they had to do credit check etc. Ten days later, They sent a message that They closed my account.I have never been late with this bank, and have two store credit cards with this bank and with had no balance due to them with credit amounts of {$1200.00} and XXXX. They closed my account in XX/XX/XXXX. Then on XX/XX/XXXX the company sent me a letter that read that I requested to have my account closed, which is absolutely false. They closed the account, and when I spoke to a rep. at this company, they seen I was having a sever hardship with other accounts, due to my Mother, Father, and Father in laws, XXXX  that Happened within an eight month period. They all were XXXX of different horrible, debilitating XXXX  and all needed help while they were XXXX.I had no balance or owed any money to this bank, so I did not request to close my account, and when I sent a letter to the company about this situation, they sent this bogus false letter of my request to close it.
I took out a loan with OneMain following the birth of my daughter, back in XX/XX/2016. I was out of work and incurred a great deal of medical expenses that added up on top of regular bills, and needed some help. I was thankful to receive a {$1500.00} loan from OneMain to get me back on track. It had been my intention to repay the loan within a few months, but life of course intervened, as it does so often, and I was making the minimum or just above minimum payments. 
I hit another bump in the road following some health scares, and rather than putting the loan in forbearance, OneMain offered to extend my loan and disburse additional funds. I signed some paperwork, including something involving obtaining life insurance and loan insurance. and was on my way. 
Things were going well for several months. I was making payments as agreed and had no complaints about the staff at the branch I regularly worked with. Again, life tossed a curveball and I was unable to make the payments as agreed. I spoke with a branch employee who was very empathetic to my situation and said she'd note in my account that I'd be making a payment as soon as I could. 
A week later, I received a call from the branch manager, " XXXX ''. He asked why I hadn't made a payment, and I informed him of the same thing I'd told an employee the previous week. He became extremely aggressive, and told me that I needed to come to the branch and " rewrite '' the loan. I told him that I was not interested in doing that, and could make a payment on my next pay day. He told me that that would not be possible, that he needed to " close out the month '' in his branch and that I was preventing him from doing so. He insisted that I come in, refinance, and perhaps take out a few extra XXXX dollars to get caught up on other things. I reiterated that I was not interested in doing this, and that I would be making a payment when I was able. He said that my credit will be ruined, that I'm going back on my end of the deal, and that he could not accept anything that I was saying. He wanted my checking account information to set up a payment. I told him that I did not want to provide that when I didn't have the money in the account to process it. This back and forth went on for close to 15 minutes. I finally had reached my boiling point and told him that I felt that his behavior was unacceptable, that he was trying to strong-arm me into setting up a payment that I could not make, and that he was terribly rude. He continued to argue with me. I informed him that I would be making a payment online within the next 2 weeks and I ended the call. 
To my surprise, he called back several days later, asking me to make a payment. I told him that I couldn't believe he had the audacity to do this considering the nature of our last conversation. I said that i would be making a payment online, and he hung up on me. 
I made a payment in the amount of {$200.00} online, as I said I would. For reasons that are unclear to me, this payment was not and still hasn't been reflected in my online account. I've read other complaints regarding OneMain not updating online accounts to reflect recent payments.
American Express is claiming I owe them for a card. They have reported this on my credit report. I have never opened, or requested a card to be opened with them. The have not provided me anything with my signature showing i requested a card, they have not provided any proof showing where this card we deliveredd to, nor have they provided anything showing who signed for the card. they refuse to remove the reporting from my credit report. and XXXX and XXXX refuse to remove it. claiming it was verified. this is impossible As I did not open any account with American Express.
I sent Chase a letter on XXXX/XXXX/15 to inform them that I finally had a job and could start making monthly payments but not the amount they wanted. I used the sample letter on your website and I have not heard from Chase. They have stopped sending monthly statements and when I call they inform me that I am in collections but no one from collections has contacted me. I do n't want the loan to default and I would like to start making payments.
On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/2012 and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, TRANS UNION, XXXX, AND XXXX.
Took out a loan in XXXX 2016. Loan # XXXX was due in XXXX 2016. I called for an extension and was granted it. I missed the extension payment due date. My file went to the collections department and incurred additional fees. I have no problem was this as this was my fault. Issue - this loan was settled with all additional fees, interest accrued, etc. on XXXX XXXX, 2016 for  {$280.00}. I was told it would be updated as paid and closed. Never was. Called the next month and was transferred around. Left several messages for this department. Left the issue alone then circled back towards the end of the year in both XX/XX/XXXX and XX/XX/XXXX. Called and initiated a fix for this in XX/XX/XXXX. Again got a run around. Of course it is now over a year later and it still shows as never paid. I have  emailed the organization with proof of payment to only receive an apology.
I have sent multiple validation letters regarding validation of this debt. I have received nothing in return. I am trying to buy a house at the moment and this debt is not allowing me to.
The most recent letter I received from Citibank, N.A., stated they have tried to call me at ( XXXX ) XXXX and received no such call. Please ask Citibank, N.A., for phone records proving their statement that they have tried to initiate communication.