WillisBack/dataset-financial-user-claim huggingface dataset:
When representative came my home to explain the manner in which the services work and what the process was. I was never told that I had only 5 days to cancel the agreement on the loan agreement we made. I found out soon after that this college program was a scam, and that they received kickbacks for the loans from the agreements and the loans they made people sign under false information. When looking further into the details, there was several class action suits filed against this company and the college. Upon learning that i had had only 5 days to cancel, and being out of that time frame a month in, I decided to keep paying due to the lack of knowledge of the suits being created against them. The company that created the loan on behalf of the college was given under false pretenses, and gave no other borrower time to figure that out and cancel the loan they made us sign up for. I would like to be removed from this responsibility, under the premise of being given false information and never give the proper time frame on which to be able to cancel the loan.
XX/XX/XXXX-XX/XX/XXXX I closed my account with XXXX. I was tired of at least a weekly outage always some excuse about my location. I turned in my. equipment and paid my last bill. I prorated the days I was without serice, I explained that at the XXXX office in my are when I turned in my equipment. I explained that nicely to the service rep that is should not pay for something I was n't getting. She agreed and after reviewing all my many calls regarding cable outage. I received a bill for the equipment ... I spoke to a supervisor after receiving a couple of bills. The problem was settled as it was their oversite. Never received a bill after that call. XX/XX/XXXX I got a bill from a collection agency 6 years later stating I owed {$400.00}. I called them, shared the story and told them in no uncertain terms I do not owe this and I am NOT paying for a bill I do not owe. I never received another collection notice after that call. Now it has been 7 years and recently did a check of my credit report and noticed this from XXXX showed up on XXXX. It is showing as the debt was from XX/XX/XXXX ... that is wrong. I would like this issue resolved, please. Btw I have been a happy XXXX customer since XX/XX/XXXX.
I got a copy of my credit report there were errors, I disputed the errors I received an email that the investigation was finished, but Equifax will not let me log in to access the results. The information I am giving them is correct and is the same information I used to get my credit report. I need to access my report and dispute results.
My problem is eerily similar to a lot of the complaints I see on here about Lobel Financial. I purchased a vehicle from a dealer that financed that vehicle on my behalf through Lobel Financial. From my first week of ownership, I consistently had problems with the vehicle. Took it back to the dealership who claimed they fixed it. They did not. Took it to a local dealership, they could not fix the problem either. The vehicle had mechanical issues that were very likely manufacturer 's defects. Having to pay thousands of dollars to fix the car and make monthly payments as well became to much for me financially. I chose to do a voluntary repossession. 

After the voluntary repossession I was sent a letter ( XX/XX/17 ) stating I still owed {$3700.00} for the vehicle. I disputed the alleged debt by certified mail within the required time frames requesting verification of the debt. Lobel Financial to date has never provided me with verification of this alleged debt. They also did not comply with FL consumer protection laws as stated on the Attorney General 's website ( XXXX ) regarding vehicle repossession. This law is stated as follows : " Once your car has been repossessed, your creditor may decide to keep the car as compensation for your debt or resell it in a public or private sale. In either case, your creditor must notify you about what will happen to the car. If the creditor decides it wants to keep the car, you have the right to demand the car be sold instead. You may choose to exercise this right especially if the car is worth more than the amount owed on the loan. If the car is sold at a public auction, you must be notified of the date in advance. If sold at a private sale, you will be notified of a date after which it will be sold. Any resale must be conducted in a commercially reasonable manner. For example, a resale price which is below fair market value may be unreasonable. If this occurs, you may have a claim against the creditor for damages or a defense against a deficiency judgment. You may also be entitled to buy back the vehicle by paying the full amount owed, plus any expenses incurred by the creditor. Additionally, you may be able to reinstate your loan by paying the amount you are behind on the loan plus your creditor 's expenses. '' Despite Lobel Financial 's failure to provide me with verification of the alleged debt, they immediately began reporting negative information to all three credit bureaus regarding this alleged debt. They also periodically falsely manipulate dates, amounts, and the status of the alleged debt in their credit bureaus reporting as well. Lobel Financial operates with a callous disregard for both state and federal consumer protection laws. There is no true protection for the consumer when a company is allowed to operate according to their own prescribed laws without accountability.
XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I was travelling in XXXX during the week of XXXX XXXX to the XXXX. Currently, XXXX does not conduct business with America banks or financial institutions which means my credit cards and ATM cards were useless. As a result, I had no money so I reached out to friends to send money via Western Union. XXXX sent {$540.00} XXXX XXXX as you can see from the screen shot attached. However, I was not able to receive the wire because I was told that only XXXX citizens can receive money via Western Union. Over the past 2 weeks, XXXX and I have made at least 10 phone calls and we get nothing but the run-around. They have not refunded his bank, nor will they allow me to pick up the wire at any local Western Uniuon locations. We 're both about ready to lose our minds. Any help you can give us would be tremendously appreciated.
I bought a manufactured home in XX/XX/XXXX. It was financed byGreen tree finance Co. address is XXXX XXXX, XXXX. 
XXXX XXXX , XXXX. XXXX, XXXX I filed Chapter XXXX bankruptcy on XXXX home was exempt from them ever trying to collect this debt. I thought. I kept the payments to date until XX/XX/XXXX, my wifediedsuddenly in the living room. After that I could n't live there any more. 
The Co started calling me on XX/XX/XXXX, that has been going on now for 14 years and they have had a derogatory report on my credit file for 14 years. I lived in this home in XXXX, and lived in it in XXXX. 
I have tried to talk to them about this account a few years ago and I was told that this will stay on my credit report until some time inXX/XX/XXXX.I have a paper the Federal court Judge stating that they ca n't ever try to collect on this debt or call me Can you please help me get this resolved. Thank you,
For the past 2 years beginning XX/XX/XXXX, XX/XX/XXXX our mortgage company, Nation Star Mortgage, has contacted us that we are overdue on our payments and charging us a penalty. We use there auto-deduct system and for some reason it works every other month. I contacted our bank and they say we have had the money in the account so that have n't denied a request for auto-deduct payment. Then we start getting calls from a automated message stating we are behind in our payments. My wife and I have called the number they left and it takes about 30 minutes of saying no to questions by another computer generated recording until we get a real person. Then the person ca n't really help us and wo n't bump us up to someone in management. I am concerned there may be some kind of scam going on. I pay my bills and have n't had any other problems wit h any other creditors. Is there some way I can get this situation looked into?
In my previous complaint to you I advised that XXXX/Navient cancelled my interest rate reduction program that they provided to me after my first complaint through you. Well, this is my third complaint and I am letting you know that they have again canceled my interest rate reduction program. I need help. 

Again, they send a document to their online platform for me to review rather than just sending the document to my email. I need to stay informed. I need my interest rate reduction program reinstated in order to afford my student loan. I can not afford their current 9.75 % interest rate on my current balance of {$82000.00}. 

Take a look at the transaction history I have attached and see if you can make out what exactly happened to the account. All the " Adjustments '' and capitalized interest I had no idea about. 
Please help.
Macy 's Credit card.
In XXXX 2017, this credit card company was faxed with receipt and mailed a power of attorney ( POA ) to take control of the account away from the primary account holder due to XXXX. My wife and I were given custodial control. Macy 's ignored this and sent a letter stating that the primary account holder had to approve. We had the attorney get involved, and the account was closed. This is after we were hung up on ( disconnected they said ) twice when we told them the attorney was going to get involved if they did not allow the properly executed and filed POA. We again wrote back with the POA and a letter stating to close the account.
We reviewed the account. Over the last year, my mother in law was making the payments the account reps on the phone told her to make to " settle the account ''. these payments were always one to two dollars below the minimum due. Each month, they were hitting her with close to {$100.00} of fees and interest due to giving her the wrong information and misguiding her.
In XX/XX/XXXX, we were given a final settlement amount, and we sent in a check. We then got a letter addressed to the original account holder stating they could not honor the request, and charging a " minimum fee '' of {$2.00}, and a late fee. We called several times, got hung up on several times, and after threatening legal action, the fees were removed. The agents reported the account was closed In XX/XX/XXXX, they again charged minimum fees, and ignored the POA. We again sent in the POA with a demand to close the account. Several 'disconnects ' later, the account was reportedly closed again.
In XX/XX/XXXX, when my mother in law in her XXXX state called Macy 's to make an order, she asked to have her personal credit card charged for a phone order. Macy 's again opened her Macy 's charge account and placed the charged on the Macy 's card. This was against her wished, ans she was told that they " had her personal charge account on file ''. This is after Macy 's had been notified in writing on multiple occasions that the person was not legally competent to do so, and the account was closed.
We called the next day to cancel the order, and move the charges to a Visa card. We were told this was done - it was not, and we started the whole cycle above again.
Bank of America is not solving my problem, from last one week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XX/XX/XXXX, I spoke with three different supervisors ( one was XXXX ) and with two others on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. One supervisor says something and the other one says something else. 

Please solve my problem and ask Bank of America to give me a credit of the charge I never made. 

thanks
On XX/XX/XXXX a scheduled withdraw by XXXX XXXX  was scheduled to pay my monthly gym fee {$19.00}. I forgot that the yearly fee was due. I had {$45.00} dollars in the account. The total fee {$58.00}. Of course it bounced. The bank took {$30.00} in overdraft fee. Now there is {$15.00}. The bank sent a notice by mail, did not get it till Sat XX/XX/XXXX. By then XXXX tries again to withdraw the funds. Bank fee # 2. Monday XX/XX/23 I called my Gym and XXXX. XXXX had set another withdraw for XX/XX/XXXX. By the time I called it was done. Bank fee # 3. I had automatic withdraws stopped. I called tues It did not look liked my email had gone thru. I complained that I had not even been notified by XXXX. I confirmed stopped withdraws. NOT 2 minutes after I had hung up the phone. I get a Notice by email of insufficiant funds from XXXX. I called Wed. I spoke with XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX. I requested they pay the 2 extra insufficant fees from the bank. I take responsibility for not having the proper amount in my account. I forgot. Why did XXXX not notify the gym or myself. They would have just gone on trying to take money without notifying anyone. 
They tell me notifications are a courtesy. I say it poor business practice if that is your policy. They denied my request.
In XXXX XXXX I modified my mortgage. Written into the modification was a buyers incentive. " If your make your monthly mortgage payments on time, you will accrue a monthly benefit equal to {$83.00}. This amount will be applied yearly at the anniversary of your trial period plan, for 5 years. If at anytime during this 5 year period the loan becomes XXXX or more full monthly payments past due, you will lose this benefit. This includes the loss of any accrued but unapplied principal reduction benefits and the eligibility to accrue additional principal benefits, even if you bring your mortgage up to date later on. '' My anniversary for this modification was XXXX XXXX. 

In XXXX 2015 I missed a payment because my mother passed away and I had arrangements that needed to be made. My payments were made every month there after. 
On my XXXX statement due XXXX I owed XXXX and had XXXX past due with a XXXX late fee. XXXX was paid on XXXX. On my XXXX statement due XXXX it was the same thing, XXXX due and XXXX past due with an XXXX late fee and XXXX was paid on XXXX. In XXXX I received XXXX statements from Chase. The first was dated XXXX due XXXX which I owed {$1000.00} with {$2000.00} past due. XXXX which I assume was because the XXXX payment was late ). On XXXX I received a revised statement stating that {$1000.00} was due on XXXX and XXXX was past due, so the XXXX payment was credited and I was again XXXX payment behind. My XXXX payment was made on XXXX for XXXX but was not processed until XXXX. That payment was returned NSF due to a XXXX reconciliation error. Still at this point I should have been behind only XXXX payments and my XXXX payment was due. XXXX XXXX was the maturity date on my modification and the {$660.00} that I had occrued should have been payable by Chase as I was less than XXXX payments late because I had paid extra on many payments to catch up with the XXXX and make a full payment.. Chase sold the mortgage to XXXX who claims that I have XXXX in suspense. Chase will not credit me my the {$660.00}. Another payment was made to Chase in XXXX XXXX it was late but made XXXX for {$1100.00} and my XXXX and the returned payment have been sent XXXX. And all that should be due is the original late payment and my current payment. 

I tried to discuss this on the phone with Chase yesterday and they were just rude and unwilling to listen. Could you please help me? I have been counting on that {$660.00} with the balance I have in suspense to make up the missed payment. Plus I am unsure what the {$260.00} charge is from XXXX and I can not get a response from them either other than charges to transfer my loan which I do n't understand why I am paying for Chase to sell my loan. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX
In late XXXX, I applied for a XXXX XXXX credit card from U.S. Bank. It advertised that for cardholders, the last night of each XXXX XXXX hotel award stay is free. I signed up for the credit card with that benefit as my primary motivation. Then, about a month after I received the card and after they charged me a {$75.00} annual fee for the benefit, U.S. Bank announced they 're no longer offer the last award night free benefit. I think that 's extremely deceptive. I called in to say how disappointed I was and see if U.S. Bank is offering compensation. They offered me XXXX XXXX XXXX points, which is next to nothing. For reference, the closest XXXX XXXX hotel to me in New Jersey is charging either {$100.00} or XXXX points for a room tonight. That 's a value of approximately {$0.00} per point. That would mean XXXX points is worth {$7.00}. That 's not even close to fair compensation for a benefit worth a free hotel nights ; a benefit that I already paid for through the annual fee.
On the XX/XX/2018 I made a purchase for XXXX on my discover card XXXX XXXX music which was declined and I then pay with cash .but the fund just disappears from the card. At one time the funds was showing on the account as pending and then its disappear but the funds are not on card. I called several times to discover and the merchant but nothing was being done. Every time funds just disappear from the account I called several time and talk to the supervisor and customer service and they are saying the the funds will show up the next business day, but no funds never show up on the account. I do hope someone could help me with this matter as soon as possible. I am sure There are many innocent people out there who are being rip off by this company and didnt knew.
Synchrony bank has several different credit cards for retailers like CareCredit, XXXX XXXX, Belk, And XXXX. I have all of these cards which I paid by mail for a long time. The trouble begin when I tired to pay online. One problem that was reconciled is an online payment to XXXX and CareCredit at the same time both payments were applied to XXXX so Care credit did not get any funds causing late charges. I called and this was taken care of. About two weeks ago I received a text message from Synchrony saying I had not paid my XXXX I never received a statement nor did I sign up for paperless, another late fee! Today I tried to go online to pay CareCredit was advised I had not registered my account. Tired to register account and then advised account was already registered. This is the kind of problems I continue to have with XXXX and they keep lowering my credit line, calling, sending letters then when you call it is to someone in XXXX who is very difficult to understand! Will you please check into their underhanded practices and help me I just want to get them paid off! Thank you, XXXX XXXX
My husband and I sold our home in XXXX, XXXX XXXX. We paid our portion of the property taxes during closing to the new owners and they were to pay the taxes for the remaining portion of the year when the bill came out XX/XX/XXXX. They were late in making the payment. As a result, a predatory collection agency paid the taxes and put a lien on the property. They sent the new owners a bill for the taxes due and a hefty fee to remove the lien. She then paid the bill and the lien was removed a few months later. We were made aware of this when a credit report was pulled for my husband and I during our NC home purchase process. It seems that XXXX County does not immediately update the tax database when a home is sold to show the new owners. They wait until they issue the next tax bill. Our names stayed in the system from XXXX XXXX until XXXX XXXX when the next bill was sent out. When the new owners were late in making the payment, XXXX County sold the debt to this collection agency. It seems this is a controversial process they use to make it seem like they have a lower percentage of delinquent tax bills. There is big money involved. My home was nearly {$800000.00} and I do n't know if this collection agency does this for all price points, or just singles out higher priced homes. I filed a complaint with TransUnion and their solution was to show on my credit report and my husbands, that there was a lien and it was paid off. I explained everything, sent documentation and they think it is acceptable to simply say the matter is resolved because the lien was paid off. It never should have been on our credit reports to begin with. I will have to explain this every time I apply for large amounts of credit. As someone who pays bills on time and has a very good credit score, I want this removed from our credit reports. It was n't our lien.
AMCOL System, Inc. violated Fair Debt Collection Practices Act [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 

AMCOL System, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) the false representation of - ( A ) the character, amount, or legal status of any debt. ( 8 ) False or misleading representations. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

AMCOL System, Inc. violated the North Carolina Collection Agency Act section 58 70 110 ( 4 ) Falsely representing the character, extent, or amount of a debt against a consumer. 
AMCOL System, Inc. violated the Fair Credit Reporting Act 1681s-2 ( b ), A person shall not furnish false information to consumer reporting agency. 

AMCOL System , Inc. reported to consumer reporting bureaus inaccurate information such as but not limited the alleged collection account date of delinquency ; therefore, resulting in inaccurate reporting periods, etc. 

AMCOL System , Inc. 's violations of the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and Fair Credit Reporting Act are documented as follows : Exhibit A : Written correspondence dated XX/XX/XXXX which I sent to AMCOL Systems , Inc. requesting validation, etc. ; sent via Certified U.S. Postal Mail. 

Exhibit B : Correspondence dated XX/XX/XXXX from AMCOL Systems , Inc. addressed to me in response to Exhibit A. 

Exhibit C : AMCOL Systems , Inc. credit reporting entry on my consumer credit report. Said credit reporting entry of AMCOL Systems , Inc. clearly stated a false Date of XXXX Delinquency : XXXX of an alleged debt, etc.
Ive made Ally Financial aware that due to a divorce and reduction in income i was having difficulty making payments on my vehicle. Although they have issued 2 payment deferrments in the past, i feel based on the circumstances they should have considered lowering the payments temporarily to allow me a chance to get things caught up. Their representatives have been extremely rude and uncaring, only interested in collecting money. Not all of them, but most.