WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2015, I ( my son ) returned a Buick Enclave that i had leased in XXXX, Delaware at XXXX XXXX XXXX. Ally Financial was the banking organization utilized by the Dealership. 
The lease had expired in XXXX 2015. Turnover of the car to the dealership went well. The car was physically inspected by employees of the car dealership and found to be in acceptable condition-no damage. All financial aspects were found to be acceptable and no additional payments were due. 
Three months later the bank, Ally Financial, threatened to repossess the car since the lease payments had not been paid. We explained that the lease had terminated three months earlier and that the car had been with the dealer for the past three months. Lease charges were erroneous. However, now, after the dealer being in possession of the car for three months, it had been damaged- a scratch existed which Ally wanted fixed at my expense. Subsequently, the bank dropped the three month lease charge and now requested one month 's payment and payment for repair of the scratch appeared to be negotiable. The total charge, including repair of the scratch amounts to {$780.00}. 
I contacted Ally Financial to find more information such as why they considered the payment charge to be outstanding and to state that since the car was in the possession of the dealership for three months, after it had been accepted by the dealership as having no damage, the repair was the reponsibility of the dealership. 
The basis for the outstanding payment charge varied with respect to whom I spoke. XXXX claimed that the charge was for XXXX despite the car being returned in XXXX. The cost of the repair however, appeared to be open for discussion on their part-but not mine! 
All remained quiet until this XXXX when correspondence started to appear demanding the {$780.00}, with the standard threats of notification of the XXXX credit agencies, lawyers, etc. I contacted the Delaware State Regulating Authority who regulates Allys financial activity for the state, and they are presently investigating Ally Financial 's charges. Insofar as i am concerned, I can find no basis for their claims. And responses appear to be totally dependent upon the Ally Financial person to whom you speak. 
Finally, ALL Ally personnel refuse to discuss the issue with the XXXX XXXX XXXX for reasons they will not reveal. 
It is now close to a year since the lease expired. Ally has yet to present a factual basis for their charge of payment due, except for a " claim ''. In contrast, both myself and XXXX XXXX XXXX agree that all requiements have been met. This claim may just may be due to faulty record keeping, similar to other claims Ally Financial has made Under the current circumstances they have failed to provide any factual basis for the claim
In XX/XX/XXXX and XXXX I went and I applied for my XXXX XXXX XXXX XXXX early tax refund. I was denied due to Experian saying I had an open bankruptcie. I then got a hold of Experian I do not know who I talk to because I could not understand his or hers name just like today when I talk to them I did not understand the second guys name. The first one I talked to was XXXX, but he sent me to some one else. last year I had to fax over proof and I mailed it in to Experian that the bankruptcy was closed from XXXX I proved it was closed they took care of it because I was able to go back to XXXX XXXX XXXX  XXXX and get the early refund. This year today XX/XX/XXXX I went to go get the early refund again to be able to fix my vehicle. Yet again because of Experian saying that the bankruptcy is still open from XXXX even though I've sent them the paperwork stating that it was closed I got denied again for the same reason. today XX/XX/XXXX I called Experian and I started off talking with a gentleman named XXXX who forwarded my call to somebody else who was supposed to be able to take care of it right away for me I could not understand the man 's name. he said I would have to wait 30 to 45 days for them to fix what they failed to fix last year even though I emailed them and uploaded the documentation stating that it was closed and it needed to be changed on my credit report. I then asked him how I can make a complaint to Experian about whoever dealt with my stuff last year the guy then proceeded to tell me I needed to get an attorney and go to court to make a complaint about them. I have dealt with this issue and they have the proof. I'm being denied credit due to this fact. and I don't feel I need to wait another 30 to 45 days for something they should have fixed over a year ago.
A tree fell on my mom 's home after a terrible storm early XXXX. The insurance company and the contractor responded very quickly and was able to get everything fixed within a month. The first payment from the insurance company, payable to my mom and Ditech was on XXXX XXXX. The check with all the supporting documents were sent to Ditech and receipt was confirmed. Ditech promised a XXXX10 days turnaround of 95 % of the check amount. We have NOT received any payment from Ditech. Many calls some of which I have recorded has yielded nothing but frustration. I advised them of the completion of the work on XXXX/XXXX/16 and an inspector was 'dispatched ' to call me. I have heard from no one. 
The last call to Ditech on XXXX/XXXX/2016 advised that no money will be sent until the final inspection. Which I was told was ordered on XXXX/XXXX/2016. We would certainly like all the funds released so that we can pay the contractor and the tree removal company and avoid any legal actions.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2200.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
I applied for a credit card in XXXX with Sears at their location in XXXX XXXX, Maryland, address XXXX XXXX, XXXX, XXXX, MD XXXX. I used the card to make a small purchase because it provided a discount. The purchase left me with a balance of {$33.00} on the credit line. Because I used the credit line before the card was issued and mailed, I was not able to pay the balance right away, but ten days later I returned to the store and went through a store attendant to pay the balance on my card. I paid with {$40.00} in cash. I have recently received a statement in the mail claiming that my balance was never paid, and there is now a late charge of {$27.00} and a minimum interest charge of {$2.00} in addition to the remaining balance. In order to rectify this, I request that the Sears credit card company negate my owed balance and work with you to investigate the location. That address again is Sears, XXXX, XXXX, MD XXXX.
Once again they have incorrect information [ report  XXXX  ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual-  1- M y name  XXXX   XXXX   XXXX   XXXX  NOT  XXXX   XXXX   XXXX   XXXX  Hello.  2-   XXXX   XXXX   XXXX  is not ours. and not a savings plan. It was a retail purchase paid to   XXXX   balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing  Security hold but they have a " State Legislation '' hol d on the account- remarkable.  XXXX   XXXX  Bank  XXXX  mortgage since  XXXX   2017
this was not a conseted credit inquiry. 


XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  ENHANCED RECOVERY for re porting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
I have written three separate letters disputing all the items on my Experian Report. Erroneous items however still remain. I was also insulted over the phone by a representative on XX/XX/XXXX by laughing I assume at my score but I was assured it was my accent regardless I do n't call in to be mocked over others errors. 

The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following inquiry needs to be removed immediately as it was never authorized : Creditor Name : XXXX [ XX/XX/XXXX ] I would like to be provided proof as per FCRA Sec. 605, 609, and 623. 

Thank you for your time and help in this matter.
XXXX XXXX XXXX, 2017. I called XXXX to settle this account, I was informed they no longer owned and had no.control. so I pulled up credit report and got the buyers information which was XXXX XXXX aka XXXX XXXX. I did a one time settlement amount of XXXX. It was agreed that accounts would be removed. The same account was showing twice. One under XXXX and other XXXX XXXX. I waited 30+ days to see if they were going to stick to their word and remove from credit reports. XXXX XXXX did. XXXX still to this day has the tradeline as charged off. Once they sold account they should have recused themselves and took it off. As they no longer owned the debt. I called XXXX XXXX to see why it was still showing under XXXX. They told me XXXX had falsely reported what happened with account. At first it just stated charged off. I proceeded to call XXXX in good faith after paying asking them to remove and change tradeline. This has went on since XXXX XXXX wo n't acknowledge the past debt at all. I 've paid the bill, when something shows charged off, it appears to others the bill was never paid and makes person trying to correct their wrongs look even worse. It also appears like they 're getting a tax write off/break instead of showing they actually got paid for selling the debt.
I am unaware of this debt, it states on my credit that the open date was XX/2014 I do n't know of this debt no knowledge of it, Ive written and called this company they can not find information one moment then states they found it and will send verification nothing was recieved
Re : XXXX XXXX XXXX XXXX Account Ending XXXX Last Four of SS : XXXX I opened my XXXX XXXX XXXX XXXX the first part of XXXX, XXXX and applied for this card specifically because of the rewards. 

**Earn 10,000 Membership Reward points after you use your new card to make {$1000.00} in purchases in your first 3 months** I made well over {$1000.00} in purchases in the first several weeks alone, and 20,973 points were finally posted to the account on XXXX XXXX, XXXX ( note that these took nearly two months to post ). When I tried to redeem the points for a gift card on XXXX XXXX, XXXX, a message popped up that said the account was under review. I have since spoken with numerous people at American Express and received different answers as to why, but the last person with whom I spoke advised that since I had returned a few items, the account was flagged. Furthermore, I was advised that every time I go into the account to try to use the points ( that still show as valid!! ), their system automatically resets a 6-8 week timeframe in which Im unable to use the points ( points that I have earned ). That would have been good information to post on the account! 

My purchases since opening this account in XXXX, XXXX have totaled {$6600.00} and I have paid {$5900.00} on this account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I used this credit card exclusively until about 1 week ago and will not be using it until this matter is resolved. 

I would like the hold on these points removed immediately and would like to redeem the points which I have earned.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
I was put on a plan many times and the pricing monthly always changed. Then I would call and say I am making my monthly payments but getting a bill asking for late pays. They put me on some kind of stop payment because I had a baby and was not working much but it seems like my loans keep rising. I can never pay them down. Then they took my taxes two years ago because of payments but I was making payments. Talking to these people is difficult and pointless and my credit is ruined. I just wanted reasonable payment options. Also I enrolled in a school called XXXX. I did not end up attending. I went to the orientation and could not do the hours for the school but was still charged all the loans and never took one class.
the loan started off with XXXX. XXXX told me I could save XXXX $ a month from my {$1900.00}. so my payment would have been {$1300.00}. 
Thats what XXXX told me my payment would be if I refinanced. Then they fired him and they handed over my account to an associate named XXXX. I told this new associate I did not want an escrow account. She told me I would get {$3500.00} dollars back when closed on this deal., And I found a paper stateing the payments to be {$1900.00} and I told them the escrow wasnt supposed to be included, and they made the payment out to be wrong. So I told them escrow was n't supposed to be included and they knew the payment supposed to be the {$1300.00}, so I made XXXX payments this amount and then they said they would n't accept it unless I paid {$1900.00}. I would have never went for the loan unless the payment was going to be lower. I tried to contact the loan company to tell them the deal was off because the loan now was going to be more expensive then it ever was going to be. 
I never signed escrow account to be in effect and they said they were n't going to accept {$1300.00}. I feel I was scammed into this loan.
I have been on Navient 's Rate Reduction Program for about two years. My rate was lowered from a 12.5 % $ 11.5 % and 6.5 % interest rate to 3.5 %, which provided financial relief and allowed me to stay above water. Usually, they collect my financial information to see if I qualify. The program ended, and so I called to reapply but everyone keeps telling me I do not qualify, without even so much as asking about my financial profile to see whether or not I qualify. They just immediately say I don't, without providing explanation. say I ask what else I can do because the only option is to default and they say there's nothing they can do. I have called three times, and my loans are about to default, when I have a 13 year credit history and have never had a late payment in my life.
On XX/XX/XXXX,2017 there was two withdraws from chase my primary checking account for a total of XXXX.I wasnt aware of this until friday XX/XX/XXXX and contacted the bank about this situation.The bank gave me a temporary refund and said they would investigate it/The bank asked me to fill out a form that they mailed to me, which i did.On XX/XX/XXXX I received a text alert that my funds were low.I called the bank and i was informed that they reversed the funds that they had put back into my account .I was told by the service rep that it was determined that the card the atm card used was mine and that I had either given it someone or they used my card.I did neither and tried to explain it to them but was told that was the case.
I have received a charge off on my credit report. It 's reads Sarma debt collection. However no explanation of the debt, I have never received any letter or statement showing what the debt is, who originated it. If sarma reads this, hopefully they will send, no calls, me a written statement of the debt. Clear my credit report and I will not pursue any further legal action. If by chance this is a legal debt from XXXX XXXX XXXX ... I am XXXX military, they took labs, no treatment, that was after waiting 5 hours. Told my XXXX XXXX XXXX Physician the next day. I had to pay {$40.00} for my XXXX XXXX to take to my XXXX. If the hospital is n't intelligent enough to collect my insurance info, then pull this underhanded XXXX.. Shame on XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , TX. Shame Sharma debt collectors on unscrupulous practices. I 'm a XXXX veteran, and I do not desire to be threatened. I 've been nearly killed several times, and a young female on a phone threatening me ... She 's lucky and I will leave it up to you Sharma and XXXX XXXX XXXX to fix this or I will take further legal action within 30 days.
The Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), and also The Federal Trade commission states payment must be credited the date it was received. I filed a complaint with Ocwen Mortgage company by phone and they replied XXXX XXXX, 2016. They stand firm with processing the XXXX XXXX Payment the following day instead of the day received. This violates Fair Reporting practices and Loan servicing rule. Any assistance you can provide will be greatly appreciated.
I sent the company a letter asking for debt validation and I did not receive anything from them. I received a collection letter a week or two after I faxed the debt validation letter to them, as if they were just assigned the debt, which is not the case. I faxed another letter disputing the debt on XX/XX/XXXX and I still have not heard nothing from this company.
I received a call from my ex coworker who I have not worked with her for over 8 years stating that someone from Summit Receivables called and asked for me and said they have document against me about a debt and they are reviewing right now for action. They called from ( XXXX ) XXXX and said to call them back at ( XXXX ) XXXX. This is unacceptable that they called an old coworker that I do n't associate with and disclosed my personal information, which is not true to damage my reputation.
I attended XXXX  XXXX ( XXXX XXXX, CA ) school in XX/XX/XXXX. I was offered an opportunity to attend by a family member who told me I was eligible for an 80 % discount in tuition as a family member, since he worked for the school. I was enrolled from XX/XX/XXXX XX/XX/XXXX. I was asked once or twice to return to finance to re-sign my contracts. I was never given written documentation of the cost of my responsibilities, and was always assured my discounts were applied to my loans. When I applied originally, I was told the XXXX program cost approx. $ XXXX and with my discount, my cost would be somewhere around {$4000.00}. I never received documentation and could never get clear answers, but my Father-in-law always expressed the school knew what they were doing, and I was getting a 2-yr degree for 80 % off the normal price. 

6 months after I graduated with honors, I began getting requests from then, SallyMae to begin repayment of my loans. I was shocked to see the price of my loans. Although not the $ XXXX I was told a regular student received, My first loan was taken out appeared ok, but 3 additional loans were taken out for 3x the price of the first loan, and I didnt understand how the price tripled after the first loan was processed. I contacted the school and was constantly given a run around. I was told the issue would be reviewed, and would never receive follow-ups. I called dozens of times, and it nothing was ever done. I filed a Defense to Repayment, and was told by a number of collections person, constantly I would have to file for forbearance to stop the phone calls. After literally thousands of collection calls, and after the loan agency was renamed Navient, I finally stopped receiving the calls. I found out years later the reason the calls stopped was because my DTR document was processed and my loans were placed on administrative forbearance. 
I have since had to file for bankruptcy and can not get past the XXXX scam I have been a part of, like so many other people conned into thinking the education and degree we received was worth any amount of money. I just want the loans and the late reporting removed from my credit already. I can not get anyone related to XXXX to resolve this, and I am trapped. Please review and remove these fraudulent claims from my credit report.
Dear sir. 
I HAVE DISPUTED THE FOLLOWING NAMES AND ADDRESSES FROM MY CREDIT REPORTFOR SO MANY TIME, BUT XXXX AND EXPERIAN NEVER ACKNOWLEDGE THE FACT BEHIND THE DISPUTE. 
I attached a copy containing the names and addressesI also attached a copy my utility bill as a proof of my name and address
I initiated a purchase of XXXX ETH for {$1000.00} USD on XXXX XXXX, XXXX XXXX to be paid for with XXXX - Spend - everyday ... XXXX. My ethereum should have arrived by the end of day on XXXX XXXX, XXXX XXXX. I also initiated a purchase of XXXX BTC for {$910.00} USD on XXXX XXXX, XXXX XXXX to be paid for with XXXX - Spend - everyday ... XXXX. My bitcoin should have arrived by the end of day on XXXX XXXX, XXXX XXXX. Nothing has arrived. I have tried to contact Coinbase but I have not received any support.