WillisBack/dataset-financial-user-claim huggingface dataset:
On Saturday XX/XX/XXXX I traded my XX/XX/XXXX Chevy XXXX in at XXXX XXXX in XXXX, Il for a XX/XX/XXXX Dodge XXXX. I 've talked to several different people at XXXX XXXX at XXXX and I 've told them this at least XXXX times. I asked them to please stop calling me asking for payment on a car that I traded in. I 've had several new cars before, and this is the XXXX time this has ever happened to me. Meaning people are constantly calling me asking for payment on a car that I no longer have. The car is at XXXX XXXX on their lot waiting to be sold. I do n't know how to explain this to these people anymore, but I want them to stop calling me.
They are calling my employer often, and asking for my " where Abouts '' They claim they are going to have me arrested, or sue me.
In XXXX XXXX, I learned from the IRS that my XXXX Income Tax return had been confiscated in the amount of {$1000.00} by a debt collection agency - ECMC working with Premiere Credit in XXXX, Indiana. Prior to this event, I had not been contacted by either agency, ECMC or Premiere Credit. After learning of this event, I contacted ECMC/Premiere and asked for proof of the debt, when the debt was submitted, and who submitted the debt. 

I was informed by ECMC/Premiere Credit that the debt was submitted to them by XXXX XXXX in XXXX XXXX with total outstanding balance of {$17000.00}. I immediately contacted XXXX XXXX Default Recovery Department and it was confirmed by XXXX that no information had been submitted to ECMC for collection and in fact, XXXX does not use that agency for their collection process. 

In XXXX XXXX, I worked with XXXX XXXX Recovery to settle the same debt in which ECMC/Premiere Credit is attempting to collect, based on the information ECMC/Premiere Credit supplied to me. A letter regarding the settlement of the account with XXXX was submitted to ECMC/Premiere Credit. ECMC/Premiere Credit immediately discounted my letter and my  contention that XXXX denies submitting a debt claim to their agency/ My concern, and complaint is that ECMC/Premiere Credit never attempted to contact me, via phone or mail, regarding this alleged debt prior to taking punitive actions. Upon being informed by me that the debt had been settled in XXXX XXXX, I was immediately threatened with a garnishment as their next recourse of action. 

It is my contention that this debt is not owed and the proof ECMC/Premiere Credit provided is a duplicate of a debt that was previously settled with XXXX XXXX Recovery Department in XXXX. XXXX Recover can verify that the debt was settled and satisfied within their recovery process. In addition, XXXX denies submitting any debt owed or information to ECMC/Premiere Credit for collection on their behalf.
Equifax Inc. was hacked and my personal information, including my SSN, was compromised. I am open to social security and identity fraud. I now will have to actively monitor my credit report for decades now.
Applied for, and was approved for an American Express XXXX XXXX credit card on XX/XX/XXXX under a promotional offer awarding XXXX XXXX points for {$5000.00} spend in 3months, and an  additional XXXX XXXX points for an additional {$10000.00} spend in 6 months. The offer was valid through XX/XX/XXXX. I met the required spend numbers in XX/XX/XXXX ( for the first {$5000.00} ), and XX/XX/XXXX ( for the additional {$10000.00} ), yet was not awarded the sign up bonus. 

I contacted American Express numerous times about this and was constantly given the run around, even after uploading a screen shot of the offer that I signed up for. I called back in today, I believe my sixth call or contact regarding this matter, and was told that I was not eligible for the bonus " due to the channel in which I signed up. '' I signed up using an official publicly available offer directly from americanexpress.com using the " Apply '' button directly below where the terms of the sign up bonus offer are listed on my screen shot. 

I have attached an image of the screenshot of the offer I took at the time of my application and would be happy to provide access to my computer for a forensic analysis to prove that the screenshot is my own, and was taking contemporaneous with my XXXX XXXX Credit Card application.
Have bankrutcy filed in the US Bankruptcy Court, XXXX, CA on my Experian credit report. I disputed that the account is not reported correctly which is true. Experian keeps telling me that they have validated that the account is reported correctly. They refuse to give any other information and will not give me the means by which they validated or where they validated. I know for a fact that they are not following the Fair Credit Reporting ct and are breaking the law in their business practice, please see the attached : " 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' Since they can not validate with the bankruptcy court, they are continuing to report incorrectly and as I see it from the above, must remove the bankruptcy reporting from my credit report. I feel that the credit bureau is allowed to practice any way they feel like and outcome of your dispute depends on who gets your letters. My credit has taken a serious hit from this incorrect reporting and I have been denied credit because of this.
I have had multiple charges added to my account from the beginning due to Wells Fargo dealer services not accepting my full coverage insurance from day 1. 
I have currently and always have maintained full coverage insurance thru XXXX and have filled out the proper insurance info on their site link. I have also faxed multiple times proof of full coverage insurance to them at their company fax. I have received transmitted correctly info from the fax. Still after 2.5 years they are adding extra charges to my account, always have a excuse and as of 10 months ago, have increased my monthly payment to cover insurance they have added to my vehicle. I am behind every month on payments as I have a set payment of {$370.00} a month and I pay {$98.00} a month to XXXX for full coverage insurance. I get harassing calls from Wells Fargo from 4 to 6 times a day. I speak with their insurance experts, and still after 8 calls speaking with different agents nothing gets done. I was just charged a {$690.00}. fine ( insurance premium ) to my account again. This company has a habit of taking advantage of consumers. I have been charged for a insurance premium 3 times and the balance is placed on the current monthly payment. This makes it so I can not get caught up and I have to pay an enormous monthly payment.. No matter how much I pay, it is not possible to catch up, I could have gotten a brand new vehicle and paid less.. Please Help. My payments have increased to over {$430.00} a month plus shows me behind every month on my credit report and Wells Fargo dealer services will not help me, regardless of multiple conversations and faxes.. I am no seeing online that over 760k consumers are suffering the same issue..
This is a new number I just received from XXXX. the calls are not for me I have told them that but they keep calling
I have a The Home Depot Card credit account with Citi. In the last 12 months or more, I 've had at least XXXX or more promotional 0 % financing deals expire, costing me $ $ in interest, even though I 've paid Citi more than enough money to completely pay off the promotional amount. The C.A.R.D. act allows them to do this because the lender is allowed to apply minimum payments how ever they see fit until the last 60 days before promotional expiration. It would be better for the consumer if the consumer could simply instruct the lender how to apply the FULL payment, instead of just what is in excess of the minimum payment. What is the significance of the minimum payment being included in the law anyway? And lastly, my statements sometimes CLEARLY show how my payment is applied. Other times, my statements actually do NOT clearly show how my payment is applied. For example : sometimes the statement shows that my full payment ( minimum amount, plus any excess payment ) is applied to my current interest bearing balance, and nothing is applied to my promotional balance. But SOMETIMES, my statement does not show the allocation of my payment. Instead, my balance simply goes down some. But I have to do the math myself ( add payments and credits back to my current balance, then subtract any new purchases or interest charges, and then compare that amount to my current balance on last month 's statement ), to see how my balance is effected by my payment. I though that the C.A.R.D rules were supposed to protect users from statement confusion & hidden charges. I believe that clearly showing how all payments are applied on each and every statement would be a pretty obvious way to avoid confusion. Lastly, the personnel at Citi were happy to tell me how they controlled my payment allocation in most situations. XXXX interrupted me, raising their voices, repeating explanations, or worse, explaining that they had already explained. XXXX stated that he works in the Tennessee service center for Citi. I assume that XXXX does, as well. I could actually HEAR the smile in their voices, but XXXX went so far as to giggle. If they record calls, and the company wants to know how NOT to treat clients, they should review the call.
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, XXXX C.F.R. XXXX XXXX c ) ( XXXX ) ( i ). 
The lender states that they are unable to reduce the monthly payment - The lender has failed to review this borrower for a principal reduction or the HAMP program prior to XXXX/XXXX/XXXX - no offer of extending the terms to XXXX years with a reduction of the I/R to make the payment affordable - The client has also submitted contributor information and a change in circumstance regarding his financial obligations that would allow him to afford the mortgage payments are they are stated on the loan currently - The lender has made no effort to assist this borrower in a loan modification, an appeal was submitted XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX showing the change in circumstance, and they lender is still unwilling to modify the loan or assist the borrower in a principle reduction to retain his property.
The reason I am making this complaint is because I was working with my Lender Ocwen Loan Servicing to get a Loan Modification, and I was approved for a Trial Payment and after I made my first payment I was advised by my account manager that I was Denied due that I had already got modified under a Government Modification and they can not do a XXXX modification under the same program. I am not satisfied with this denial and I have proof that I was not given a Government Program the first time I modified. I am a XXXX Loan but did not get a Government Loan. Now I am getting phone calls from my Account Manager XXXX XXXX and he has been trying to collect all my default payments in XXXX large payment or else I am getting foreclosed. He placed me into this Foreclosure status because he took months to get me a resolution, got me approved, then got me denied. I want my Trial Payment approval as they offer me and to correct what ever mistake they did to my loan.
I have a charged off account that appears on my credit report the issue is the same account is listed by two different creditors. The account is listed under XXXX XXXX and XXXX XXXX. I  opened the account with XXXX XXXX In 2016 The account was transferred over to XXXX XXXX The account is now past due and instead of one company listing the debt both companies are listing the debt making it appear as if I owe two different companies. I have tried correcting this with no response. I only owe one of the companies for this listed debt. Under the FCRA my rights are being violated. I am requesting that either XXXX XXXX or XXXX XXXX remove the debt until than I can not rightfully pay the debt because I do n't know which company it belongs to. Both companies are saying they own the debt. This has negatively impacted my credit in a huge way. I have been denied housing due to this. I am asking that this information be updated on my credit file asap.
XXXX QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, XXXX  COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF XXXX WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are  XXXX  addressess I have never lived at and I have no idea who they pertain to, these addresses are  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  XXXX .
I  XXXX   XXXX  CC NUMBER  XXXX   XXXX   XXXX   XXXX  WAS COMPROMISED ON   XX/XX/XXXX  FO R {$2400.00} I HAVE HAD SEVERAL FRAUD COMPLAINTS AGAINST THE CARD AND HAVE CHANGED THE NUMBER SEVERAL T IME. USSA visa IS T HE CARD I AM REFERRING TO. THIS IS THE LIST OF OTHER CHARGES THAT I HAVE TRIED TO REPORT FRAUD ON. BU T 1 ) THEY KEEP CUTTING ME OFF 2 ) TRANSFERRING ME TO A NEW PERSON 3 ) CAN NOT FIND MY INFO 4 ) TALK TO ME TERRIBLY 5 ) SCREAMED AT ME. 6 ) TREATED ME TERRIBLE, LEFT ME ON HOLD FOR 2 HO URS. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED. I HAVE BEEN A VICTIM OF FRAUD IDENTITY THEFT. AND THE CARD WILL NOT TAKE MY CLAIMS. O N  XX/XX/XXXX  I   HAD SOMEONE HELP ME WITH A FRAUD CLAIM AS I AM BOR N IN  XX/XX/XXXX AND HAV E A HARD TIME UNDERSTANDING THERE TRANSFERS, AND SAME QUESTIONS OVER AND OVER. MY HELPER REPORTED THE FRAUD WITH ME TOD AY  XX/XX/XXXX  I  CALLED TO FOLLOW UP AND THEY TRANSFERRED ME AROUND F OR 2 HOURS AGAIN. I HAVE A HELPER WHO HAS FILED 2 FRAUD CLAIMS WITH ME AND STILL THEY RUN US AROUND AND PUT US ON HOLD AND SCREAM AT HER ... I HAVE TALKED  TO  XXXX  DISPUTE, AND FRAUD, TO  XXXX ,  ( NO LAST NAME )   XXXX   ( NO LAST NAME  )  XXXX   ( NO L AST NAME ) AND TO  XXXX  AT CARD SERVICES, NON OF THEM HELP ME THEY JUST TRANSFER ME TO ANOTHER DEPARTMENT.   I HAVE ALSO BEEN CHARGED {$150.00} PER MONTH FOR 12 MONTHS BY    XXXX   XXXX   XXXX   FOR SERVICES TO HELP ME. THEY HAVE NEVER HELPED M E ... DO N'T KNOW THEM EITHER. I AM AT MY WITS END WITH THIS PLEASE HELP ME THIS IS SENIOR CITIZEN ABUSE. I HAVE NO MONEY TO PAY THESE RIP OFF COMPANIES. I NEED YOUR HELP. PLEASE CONTACT ME AT  XXXX   XXXX  THIS IS THE LIST OF COMPROMISED CARDS.  XXXX   XXXX   XXXX   XXXX  AND CARD  XXXX   XXXX   XXXX   XXXX  THEY HAVE  XXXX  FRAUDULENT CHARGES ON THEM. PLEASE HELP  XXXX   XXXX .    XXXX  XXXX  XXXX
On XXXX XXXX, 2017, I noticed that the monthly payment of {$810.00} I had set up originally to come out of my account on the XXXX of every month had not been taken out and a couple of the loans were past due. I called Navient to see what the issue was and they said the repayment plan was over. They never notified me that it ended. If they did it would have been through e-mail with a link to messages that does not work any time I click on it. At that time they said I could do another repayment plan, this time the payments were going to be {$860.00} instead taken out on the XXXX of every month starting XXXX XXXX, 2017, and offered no explanation as to why the payments increased. At this time I requested a repayment plan and also if they could lower the interest rate on the loans, since I was originally paying {$810.00} every month and the principal was not decreasing at all. They refused to offer me a lower interest rate. <P/>One XXXX XXXX, 2017, I checked to make sure my payment came out on the XXXX XXXX, 2017 and it had not and my loans were again past due. I called again on that date and they said that the autopay that they had set up with me on XX/XX/XXXX on the phone got denied but they never notified me. They told me to go online and set up the autopay myself which I 'm going to do for XX/XX/XXXX. <P/>At the rate this is going I will never pay this loan off, all of my payments go to interest and after almost two ( 2 ) years of making {$810.00} payments a month, the principal has not decreased at all. To me, this is egregious. They are the worst company to deal with. They do not notify me of anything and have messed my account up numerous times and never have an explanation. <P/>I would like a lower interest rate and a better accurate payment plan, but they are not interested in helping their consumers at all, just gauging them as much as they can.
My husband went to a local branch and paid off my car loan. Knowing he was not on the note and the branch woman could not release my account status information ( payoff quote ), he rounded up and overpaid ( what I showed on my account to be the remaining amount ) by {$3.00}. We received the paid-in-full letter dated XXXX XXXX, 2015 via mail stating the title released and enclosed. On XXXX XXXX, 2015, I called requesting the payoff overage. The man I spoke with said he could not find it, nor my final payoff statement. I asked him to get manager assistance and he stated the manager could not find it. The man said he could send a payment history, I never received this document ( I did note that the CR verified my current address ) My husband called again on XXXX XXXX, 2015 to simply request a payment history ( or payoff quote, I can not remember ) sent to the address on the account. I then called sometime in XXXX? ( I did not write down the date I called ) and spoke with XXXX who then transferred me to XXXX. # XXXX XXXX was very defensive during the call regarding this history of mine and my husbands previous conversations with the company. # XXXX XXXX stated there was no overpayment ; however, how could it be that my husband rounded up and that overpayment amount just so happened to be the EXACT per diem interest rate? The final principal was {$1800.00} ; my husband paid {$1800.00} ; an overpayment of {$3.00}? # XXXX XXXX advised she would send a payment history within the next 7-10 business days. I have never received this document. Please understand that I did affirm XXXX at the end of our call, because I believe in affirmations and I know CS is not always easy ; however the tone of her conversation was defensive until that point. A CR should never be on the defensive. We as customers can not see the same history CR 's can and most of the time we are going based on our lunch-break chicken scratch of notes.
My SSn was compromised because Equifax did not guard the information with stringest level security.
I have repeatedly asked The Revenue Group not to call my phone number and they are so rude every time even telling me on XX/XX/XXXX Thats fine maam, well call tomorrow I know this is hareassment as I have repeatedly asked this company to stop calling my cell phone from 20 phone numbers ringing once and hanging up.
I am appalled that BofA and XXXX are cancelling their long standing relationships with firearms businesses. 

These cancellations have nothing to do with illegal activity or financial soundness, but rather results from virtue signaling on the part of the banks. 

PLEASE do something to stop this social engineering on the part of the banks and ensure equal access to banks for all legal, constitutionally protected, firms.
I have been notified through Equifaxs website that I have been a victim of the data breach of 2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from Equifax and I received no reply.
We have XXXX past due home equity loans with Bank of America that we have been trying to resolve either through a repayment or modification program since XXXX 2016. Bank of America has not been working with us in good faith since they found out that the primary lien with XXXX had been paid off. In turn, Bank of America has now moved the defaulted first home equity loan to the primary position. The second equity loan balance is less than {$600.00}. We sent a check to pay off this second equity loan and Bank of America returned our check and suggested we submit a loan modification application. 
We submitted a loan modification package in XXXX 2016 to try and modify the equity loan and our dealing with Bank of America has been nothing but nightmare. We contact lender at least 2 or 3 times a month for status updates. 
We have been working with XXXX who is our assigned account manager and she has given us several status updates that turned out to be untrue. For example, several times she had told us our file was in review and pending decision only to find out our file was not even active in loss mitigation or being reviewed by anyone. 
Recently, we were told that lender needed updated insurance certification prior to making a final decision on our request. Few days later we called and was told by another Account Manager, that our file was not active and she said she was going to escalate the file. That was the second time we had been told that our file was going to be escalated. 
We spoke XXXX who seemed very knowledgeable about our situation, he suggested the reason our file was being rejected is that the file was being submitted as a combination of both liens and since lender can not combine both liens, file would be rejected. He suggested we pay off the balance on the second equity loan which we had tried previous but the payment was returned. 
Bank of America would not accept a check to pay off the second equity loan and they are giving us the run around on the first equity loan. 
We requested to be assigned another Account manager who understands how to handle this type of situation. Since then, each time we call Bank of America, we are told we got the wrong department and they say they are transferring us to the right department and most of the time when they transfer us, it either goes back to the general automated phone system or the phone systems tells us that our call could not be completed and to please hang up. 
All we are trying to do is resolve our past due obligation and prevent further collection and late payment fees which have continued to pile on. 
Please help us. We are very frustrated and do n't know what else to do. 
Thank you