WillisBack/dataset-financial-user-claim huggingface dataset:
I am an XXXX XXXX, looking for permanent job. I was not able to pay full installments for the past three months for my car. I was in arrears of {$710.00} for the three months inclusive of late charges. Ally, didn't inform me that they'll come to repossess my car either by calling or email or post as they do with statements and other things. I woke up today to find my car gone. When I called l discovered they towed it. Now they want me to pay more than my arrears to get the car when they didn't inform me they'll repossess and towaway the car. That's unfair and wrong. I need your help.
On XXXX XXXX and XXXX XXXX, XXXX I sent Franklin Collection Service a request for validation of an account they say I owe from XXXX XXXX XXXX. Franklin Collection Service has not respond to both request for validation. Franklin Collection Service placed this collection on my XXXX, XXXX, & XXXX files in XXXX XXXX.
On X/XX/17 I disputed a collection with diversified consultants. Diversified Consultants stated they would delete information from all credit bureaus and update my credit. I, Also asked for verification of this debt from diversified Consultants and as of the day I have n't received verification, I also checked with my local post office and they said I 've never received mail from Diversified Consultants. Diversified Consultants are in violation of the FCRA. Diversified Consultants has already deleted the account from XXXX, but still needs to delete from XXXX XXXX and XXXX.
I noticed an entry on my Equifax credit report from XXXX XXXX XXXX Acct # XXXX, whom also goes by the name " XXXX '' and promptly disputed it. On XXXX, I received a response from Equifax stating they had " Verified '' this account. On XXXX, I sent a request for validation from XXXX XXXX XXXX and have not received a valid response.
The company   XXXX   XXXX   is trying to verify our account and has not done so in a timely matter therefore keeping us from accessing borrowing money from them. They 've been trying to access our account since  XXXX   XXXX  it is now  XXXX   XXXX  and they have the option of us contacting the bank or filing a complaint so that we can be able to borrow the funds.
I am discovering that a HUD was created after closing with XXXX XXXX on XXXX XXXX XXXX and also learned that there is prior contamination to our property not disclosed to us at any point and time. Ever since we bought this house we have had so much fraud on almost every account we have. My XXXX and XXXX accounts have also been hacked into and I have since learned that quicken loans owns both of these companies. My biggest concerns are why there was a HUD created 9hrs after closing documents were signed me and XXXX XXXX. The stress from this entire process has caused so many problems in our marriage that we are no longer even living together. After almost a full year we set up auto draft with quicken loans in XXXX XXXX. XX/XX/XXXX-XX/XX/XXXX pulled with XXXX issues but in XX/XX/XXXX I got a phone call from someone claiming to be quicken loans stating our payments were now coming back invalid. I called my bank and they read the numbers to the rep with quicken loans and discovered a number was now missing from the account number. Now quicken loans claims that never happened and instead numbers were swapped around. Either way it happened it should have never even happened with an account prevoisly set up on auto draft and not having prior issues in the months prior. I asked for copies of my escrow checks and the rep XXXX denied me access to these checks and said I did n't have good reasons to request these checks. Now the EPA is claiming their is a criminal investigation for fraudulent sale of the property and that i should have been given a disclosure at closing about what the land was previusly used for. I can also not find a release of lien on a mechanics lien filed with XXXX county in XX/XX/XXXX and I can only find a partial release
I had XXXX previous mortgage accounts that were closed/transferred, XXXX in XX/XX/XXXX and the other in XX/XX/XXXX. I disputed these accounts with Equifax stating that I was no longer responsible for these accounts because they were closed/transferred. I received the results of their investigation stating that they verified that it was my account. It just shows the total incompetence of the people responsible for completing these investigations. It clearly shows that there has been no activity on these accounts since XX/XX/XXXX for XXXX and XX/XX/XXXX for the other. It should have been removed from my credit report.
I have been getting a large amount of phones call from multiple numbers for wedt asset management ( only reason i know its them is i googled the number ) never leave a vm. When i answer the call it says please hold and transfers or is an automated system. Previously i have advised this company to stop call me on multiple occasions. I have no clue why they are calling as i have never reicived a notice in the mail from them. I want the harassing to stop!
I signed up for the XXXX XXXX credit card from Citibank about two years ago. At the time of enrollment, the card offered a free night certificate upon cardmember anniversary date, if I had spent {$10000.00} or more in that year on the card. Based on my spending during the past year, I qualified for the free night certificate when my anniversary date came up on XXXX XXXX. I did not receive the certificate, so I contacted Citibank. At first, they claimed that I did not qualify for the certificate since my spend had n't occurred in the period between the date when my annual fee hit ( which was in XX/XX/XXXX ) and the end of my cardmember year. I told them that I was told that the eligible period was in fact based on my card opening date, not the date when the annual fee hits. Otherwise, cardmembers would have less than a year to qualify for the benefit. 

I received a message from Citibank, via their secure message system, that I had indeed been given incorrect information and that I did qualify for the free night certificate. They informed me that the certificate should come directly from XXXX, so I contacted the hotel company. The hotel company reached out to Citibank, and was informed by Citibank that I did not qualify for the free night. 

Based on my spending, which is completely tracked by Citibank, and also the message I received from a senior account specialist at Citibank, I did qualify for the free night certificate. I 've reached out to Citibank about five times already to resolve this issue. Earlier this week, when I reached out yet again, I was told that an internal team would look into the secure message, and they would get back to me within 3 business days. That time period has lapsed, and I 've yet to hear anything from Citibank. 

My request is that Citibank honors the offer it advertised at the time of my account enrollment. It is unfair for them to expect their customers to put in all the effort to receive a bonus that they earned, and that Citibank should proactively award. My cardmember anniversary date occurred almost 3 months ago. It is unfathomable that it would take this long for me to receive my benefit. One could argue that Citibank is intentionally dragging this out so that I can not decide to close my account within their grace period for receiving a refund on their annual fee. I had no intention of closing my account - I simply want Citibank to honor its promise.
This company Suntrust bank who I owe money on a loan ( but is being negotiated with a debt settlement company ) called my job and my manager answered. I believe that this is illegal and will put my employment in jeopardy.
The manager calls repeatedly 4-5 times a day, from different phone numbers and calls my job as well.
I checked my credit report from XXXX, Equifax and XXXX and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.
XXXX/XXXX/XXXX Called XXXX XXXX @ XXXX spoke with XXXX in the credit collections department. Confirmed payment in full of $ XXXX confirmation # XXXX. Advised that all 3 credit bureaus will delete account from credit report because account is paid in full. It is being reported on my credit report as closed with a {$0.00} balance and it should be deleted completely as per the company ( XXXX XXXX ).
We are filing this complaint against XXXX, who violated their RMBS agreement with the federal government when they bought a HELOC debt from XXXX. 

They were obligated to negotiate a settlement fairly, but instead, instigated foreclosure in the midst of us applying for a negotiation, they committed modification fraud with false amounts, outrageously false property values, when we complained about their servicer Rushmore Loan Management to CFPF, Rushmore lied in their response to CFPB and submitted false documents to the CFPS, and then we were suddenly advised that this false debt amount they attribute to us, had been sold to XXXX XXXX XXXX, and then we received another notice that it was sold to a XXXX XXXX in Arizona. Essentially XXXX never met their RMBS obligation to offer fair relief, which they were obligated to do. Instead, they threatened us and has no intention of fair settlement, and have since cost us much more in legal fees and more. 

Regardless, XXXX only notified us a month after they sold the debt, that it had been sold, and we received two conflicting letters about the new owner of the debt, so we have no idea who actually owns it, but one of them has attorneys sending us threatening forceclosure documents. We also received conflicting contact addresses. 

XXXX aka XXXX XXXX, was obligated under the RMBS agreement to offer relief for debts they purchased from XXXX, instead committed modification fraud, false attempts at modification, lied to us, threatened us inappropriately, falsely sent an appraiser, who told us she had been hired to take photos to sell the house, not appraise. etc.. started foreclosure proceedings while they were pretending to negotiate a settlement, falsely appraised property ignoring legal issues attached, and boundary disputes, and threatened to sell our home, falsely reported amounts owed to credit bureau, and finally sold the " debt '' wildly false amount to different entities, who are now both harassing us, and threatening foreclosure, and XXXX never notified us that they had sold us, until a month after the alleged sales of the same debt to two different trusts? 

XXXX XXXX XXXX XXXX XXXX, TX XXXX
I made a conventional loan with NYCB for my home in XXXX 2012 ( # XXXX ) Since that time I have unfortunately had damage to my home. Because of this NYCB had to endorse the insurance payments. NYCB 's Loss draft Department is a 3rd party company that is so difficult to work with and unfairly holds your check and refused sign them. I have done everything required of me according to my loan documents. I notified them of my loss at the end of XXXX and requested them to come inspect so they could start to distribute my funds and it took 6 months of fighting them just to get the first inspection. The first check I sent them was for XXXX. This was an advance and was supposed to help me get temporary shelter since I was homeless. they had no right to hold this check but they did anyway. This left me with no money to do anything and I was left with nothing to help me live. I have muiltiple other properties and I have had no other issues with their loss departments. 
After complaining over and over about not receiving my funds I was finally told NYCB changed the company that handles that and my check was still at the other company so they had to get it from them. because of this I faced a rough few weeks after the floods. Because of their history of mishandling peoples checks I asked them to come inspect my property but they refused and requested a bunch of documents that was not my responsibility to send. They also started making demands on who can or can not fix my home. They stated they had that right by law and I had to use who they said. I contacted an attorney and was advised that there was no such law. Then they said the state requires me to be licence and insured and that I could not fix my home myself. I argued that there is no such state mandate. In my state you only have to have those credentials if you are hired be someone else. It does not apply to fixing your own home. I owe just over $ 68k and the house is valued at over $ 200k. They are now holding on to a $ XXXX check and refusing to endorse it. They offered to send the amount over what I owe and 30 % because that is what the inspector said I had already fixed. I asked them how am I supposed to continue to work on my home with out any more funds and they told me I need to just hire a contractor that is willing to work with no money down and just get paid after the work is complete. Well this is not XXXX. I live in XXXX. Contractors here are very expensive. much higher than most places in the country. and they all want money up front..They dont care. I would incourage no one to ever do any buisness with this company who does not follow the rules and terms of the loan and always has an excuse on why they have the right to hold your money. Im all for them experssing their right to protect their interest but they are taking it to far. They are causing more damage than helping ... As of today I have had enough. I am going to Wire the money to pay off the loan in full. So they will have no reason to hold that check anymore. Lets see how long it takes to get it back to me.
To whom it may concern ; Re : Collection account Account number : XXXX This debt is a result of a job loss ; I lost my job and my apartment at the same time. The debt was sent to collections and I made an agreement to pay {$300.00} per month, which is very reasonable amount of money for me. I am a single mother of XXXX and I do n't receive child support, I have student loans and other bills. 
Columbia Recovery Group agreed to take {$1400.00} XX/XX/XXXX, which was a " down payment '', followed by {$300.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Part of the agreement was that I would pay the debt off this month, but due to unfortunate circumstances I am unable to meet the requirement of the verbal agreement. 
I am currently filing for divorce and I am having financial difficulties. Today XX/XX/XXXX I called the agency to make a {$300.00} payment to show good faith, I spoke to an agent by the name of XXXX and I explained my circumstance, she was very pleasant and told me she would speak to her superior and get back to me. 
A few hours later an agent by name of XXXX called me, I explained myself again and he said I had the following options and I quote ; " Make the payment in full, or tell him to have a good day and end the call '', they were going to proceed with legal action. 
XXXX refused to take my payment or give me more options, he threaten legal action against me and said they would garnish my wages. I must clarify a few things ... I am not refusing to pay the debt. I do n't like owing money. I assumed my responsibility my making a payment every month and have made my payment diligently. 
I know collection agencies use hostile tactics to make people pay their debt. But they ca n't threaten legal action. This agency has never served me legal paperwork, or filed a judgment against me to threaten legal action or garnishment of wages. They are actually in violating the FDCPA and at this point harassing me to pay the money in full. They also did n't ' give me the Mini Miranda, which again it 's a violation of the FDCPA. 
I tried to login in to their website to make an online payment and in big bold letters the status on my account is " legal status ''. How can it be in a legal status? I never refused to pay my bill and if there is a lawsuit filed. What court is it through? What is my case number? As far as I know, they ca n't file for legal action if am making payments every month. 
I am more than happy to continue with my payment of {$300.00} per month until the debt is paid off. The way I was treated in this phone call was uncalled for. Again, I am not refusing to pay, I want to pay the debt, but I ca n't give them money I do n't have. 
I am using this source, because they wo n't speak to me or take my payment and I hoping that this complaint can help me establish a good consumer/creditor relationship. I want to pay the creditor, they were nothing but good to me, and the right thing to do is to pay my debt. 

Thank you
I am attempting to review and dispute information on my Experian credit report which I am unable to do because their website is not working and has not been working for several weeks.I have experienced assault and damage to my credit report as a result of attending an XXXX XXXX XXXX XXXX XXXX   where I obtained a XXXX  GPA in the last semester I attended.One of the harassing messages I received online was a question asking me if I wanted to play XXXX XXXX. I also was told in XXXX  that they have Experian there too just like the USA while exploring possibly moving there while on vacation.The Experian representative told me that they can not give me access to my online account for a dispute even though their website does give an option to downgrade the account. The representative said I would have to provide a credit card that he worked in the membership department and that Experian does not have a technical support department to address issues with the online account.This is possibly preventing me from obtaining the best financial products I am eligible for as my reports on XXXX and XXXX  where inaccurate upon review within the past few weeks.
I have disputed unauthorized inquiries on my Equifax credit report four different times. Each time I have received the same response " inquiries are factual record ''. I have contacted the companies at the addresses and phone numbers provided by Equifax and they do not have an account with me nor do they have any record of a credit request by me. I have explained to equifax that I have been a victim of identity theft several times since my college was hacked in XX/XX/XXXX. I believe the inquiries in question were an attempt to fraudulently receive credit using my identity. It is the duty of the credit reporting agency to investigate the authenticity of the information provided and to take a consumer dispute seriously. Just because an inquiry is factual does not mean it was authorized! After I received my last dispute results from equifax I called them and was told by a rep that they do not even investigate inquiry disputes. This is absurd! The FCRA clearly states that the only permissible purpose for pulling a consumer 's report is for a firm credit offer, insurance, employment or a court order. None of these apply to me so these inquiries need to be removed or properly investigated. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I sent countless of forms of correspondence to credit bureaus and to Avant that this account is not mines. This account was open in XXXX and closed in XXXX. I have been battling this issue for years. I have requested documents to proved this accounts belongs to me and they only provided a billing statement. I requested signed documents requesting this accounts to be open and Avant provided a billing statement. I requested identification of the person who open this account, so I can filed a proper non emergency police report and Avant once again provided a billing statement. To make matters, since XXXX they have be reporting on closed unauthorized account damaging my credit scores. When I sought out legal advice, I was informed to place a complaint with CFPB, before administratively moving forward.
I have disputed with Equifax on several occasions advising that they have deleted my payment history for an account from 2007 for XXXX XXXX. I 've also contacted the creditor but was advised that I needed to contact the credit bureau as the creditor has reported the information correctly. I have check with the other major credit bureaus and they are still reporting the payment history for this account. Equifax is the only XXXX not reporting the payment history which is affecting my credit score. This is also happening on a plains credit account and cortrust. The history has disappeared.
Capital One Card Still showing after bankruptcy, I have tried contacting Capital one directly and used a credit fix company.
This is a fraud account. I have a police report regarding this account. It has been deem fraud and deleted. Somehow another debt collector has the same report and now they are reporting. It was deleted when it was receivable performance now the same debt is being reported by XXXX XXXX. This is fraud and needs to be removed imeditally.
I was contacted by Diversified Consultants dbs DCI on XXXX/XXXX/2016 regarding a XXXX Bill. I spoke to a woman by by the name of XXXX who told me that I was able to set up a payment agreement. I did not want this reported on my credit report so therefore I inquired about a settlement agreement. She told me that I was able to make XXXX payments of app XXXX and the debt would not be reported on my credit. On XXXX/XXXX/2016 I received an alert that information had been added, so once I go check, I see not only did they do an inquiry on my credit without my permission but they added the same debt 4 times on my report causing my score to significantly drop. I immediately called the company back and after multiple calls and emails they call me back on XXXX. i spoke to XXXX and informed her on what was going on and she tells me that I had a certain time frame to pay the bill. I said well why was that not told to me before making the settlement because had I known, I would have taken care of the debt prior to then. She places me on hold and her supervisor, XXXX, comes to the lines and tells me that it will remain and that an update will be made. I informed him that these are unfair practices and this is not what was explained to me when I set up the agreement. The stance of the company is that they are not removing it and will continue to collect on the debt, which is unfair to consumers who are making efforts to pay their bills. I was never made aware of any time frame and it was never stated that the debt would be reported. As I look as review about this company, XXXX other people have had the same complaint with this shady business.
I was told in XXXX I would receive a {$300.00} refund to my credit card by XXXX. After XXXX I was not refunded and called into Chase who said it would post by the end of my billing statement. That cycle has closed and I still have not been refunded and have now paid interest for 2 months on the refunded amount. 

I ca n't get my money back and now they are making money ( interest ) off of their mistake by not refunding me the money. Maybe that was their intention, to delay refunds to make interest off money that should n't have even been charged to the account!
I applied for a loan through Castle Payday for {$600.00}. At the time of the loan, they did not disclose the interest rate that I would be paying or the full amount of payments that would be charged over the lifetime of the loan. 

They have been charging a 824.9979 % interest rate and debiting my account {$210.00} every 2 weeks for the past 4 months and I still have a balance of {$700.00} 4 months later ( and after many payments! ) I have already paid {$1700.00} and this is NOT PAID OFF?!? 

I never would have taken out the loan if they had truthfully disclosed that my total payments would be {$3600.00} for {$600.00}. 

Payment information : XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - VBS CastlePayDay XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX Total XXXX