WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I made my car payment of {$420.00} cents as I do every month on the XX/XX/XXXX. My car payment isn't due until the XX/XX/XXXX of each month, but I pay it early each month. This particular month, I didn't know that I would be trading my car in on the XX/XX/XXXX ( which was an upside down loan, the car was worth less than I still owed on it, and the interest rate was absolutely horrible, as well as the company who it was financed though. ) This amount was never applied to my loan balance until the XX/XX/XXXX. I attempted to get my money back from the company and my bank, XXXX. The company ( IDA, Independent Dealers Advantage..a perfect name for them btw, as they take advantage of people with their predatory lending ) was contacted on the XX/XX/XXXX and XX/XX/XXXX asking how I could get my money refunded, as when I traded the car in on the XX/XX/XXXX, the car was paid off by the dealership that I'd received my new car from. I was told that I would need to reach out to my bank XXXX in order to get my money refunded. I did that and had to file a dispute of payment on my debit card. My claim was denied as XXXX claims that it was a valid transaction. I never said that it was not a valid transaction and that is not the reason that it was disputed. I disputed it as i was told by IDA that was the only way I could get my money refunded. This charge was pending on my account until XX/XX/XXXX, which is after my car had been paid off by the dealership who gave me my new car. It was applied to my payment after the fact that the car had in fact been paid off. Before I attempted to file a dispute claim, I tried to do a stop payment with my bank. I was told that since the payment wasn't showing as a recurring charge on their software, that it couldn't be stopped. I can show a years worth of payments made on that same date if needed. This company also screwed me out of a GAP insurance refund as well, which I know for a fact that I was suppose to receive as well, as I'd never used the insurance and since the car was paid off when it was traded in, you're suppose to receive a GAP insurance refund. I contacted the company about that as well, and was told that there was not a refund to be given as the insurance was added on to the loan at the time. All I would like is my money back, as it was applied to my car loan after the fact that the car was traded in and already paid off. I would also like my GAP refund to be given. This company is the absolute worse ( Just search their name on XXXX and see all of the terrible reviews and how they take advantage of people ) and XXXX failed me with their dispute system, as the reason they gave why the claim was denied had nothing to do with the reason the claim was filed in the first place.
Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of XXXX, XXXX, and Experian, but I was unable to complete my request. The Experian site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.
In XXXX of 2014 I applied for a loan modification with Nationstar Mortgage. I 've been jumping through the hoops for the LAST YEAR to get the loan changed to lower payments ( like they used to be with Aurora Loan of {$1500.00} a month ). Last week I was called, and told that I did not qualify for a loan modification. When I originally applied ... .I was starting a new business, and did not have the funds to make the new payment of {$2800.00}. I requested that they be {$2000.00} or less. And could they lower the principal loan amount, as the home has dropped in value. They had recorded with the XXXX County Recorder, a default of loan. So they can start foreclosure at any time. I 'd gone through this with Aurora 5 years ago ... .and they lowered my payment. But when it was sold to Nationstar ... ..it immediately went up. My new business is doing well ... ..and profits are up. I 've attached my XXXX most recent bank statements ( personal and business ). 
Thanks, for you help. 
XXXX
I opened a " Free for Life ''. checking account with the XXXX XXXX XXXX XXXX in the mid-XX/XX/XXXX's. The account was acquired by several different banks, ending up with the Bank Of America. The account has been with them for many years, since XX/XX/XXXX.
Every 3-5 years BofA has started to charge fees on my account and I call and, after BofA researches my account, the fees have been reversed. I have been told that notes have been included in my account so the problem will not happen again.
Last month BofA again stared charging fees on my account. When I called I was informed that they had " converted '' my account and that they have no products that are " Free for Life ''.
Equifax states that it needs a several digit PIN for me to unfreeze my credit report ; they never sent me one and I need my report unfrozen ASAP.
I recently ordered items from XXXX for XXXX. Upon realizing that they would not be delivered in time for the holidays, I cancelled the orders. Unfortunately, the payment authorization holds that were placed by XXXX remained on my RushCard account. I contacted XXXX Customer Service and they assured me that the money had not been withdrawn, as all my orders were cancelled. Upon calling RushCard Customer Service, they stated they would need verbal authorization from the merchant stating all orders/totals had been cancelled. We participated in a conference call with XXXX and they confirmed the needed information. When speaking with the RushCard representative afterward, he stated that since my account had not been open six months, he could not do anything. Because of RushCard 's policy regarding this, I will not receive my money for TEN DAYS. I need this money to finish my children 's XXXX shopping, which was my intent when I cancelled the orders.
I XXXX, am filing a complaint because Equifax has ignored my request to provided some kind of documents that their company has on file that was used to verify the Public Record I disputed. Being that they have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank you!
I have a Sams Club Credit Card issued by Syncrony Bank. The account ends in XXXX. Today I logged onto the Synchrony web-site to check the statement balance on the card, I was unable to determine that information, though the current balance in prominently displayed. Unable to find the information, I call Synchrony Bank and spoke to a customer service agent. The agent, very polite, informed me that I could not see that information on the web-site, nor could she provide it to me by telephone, because I had not enrolled in e-statements. She did offer to mail me new statements that would arrive in 6-10 business days. While I do not know if this is a regulatory issue, it seems the intent of Synchrony is to withold information from clients who wish to continue receiving paper statements. Being over XXXX, I am not comfortable relying soley on this delivery method.
This is about unsolicited calls from First Cash Advance, the calls are daily, the phone numbers they come from change each time, I continually block the numbers and they just use a new one. 

I have requested they leave me alone, I have never and will never do business with them but they wo n't stop. I keep reporting it to you but still have n't gotten anywhere. 

This call came from XXXX
I am a full-time XXXX University student, currently enrolled in classes, and will graduate in XX/XX/XXXX. I hold two private student loans from XXXX University totaling an amount of {$7000.00}. My loans are serviced by XXXX XXXX. 

On XX/XX/XXXX, while on winter break from XXXX and while enrolled full-time for spring-semester classes, with no break in my enrollment, I received an email from XXXX XXXX indicating that a new billing statement had been generated for my student loan account with them ; I assumed this was standard procedure, and that pursuant to the terms of my loan with XXXX I would not be billed until after graduating certainly not while enrolled full-time in classes. 

Roughly one month later, on XX/XX/XXXX while back at school from winter break, and actually physically taking classes full-time, I received another form email from XXXX XXXX indicating that my student loan account was now past due. I called XXXX the following morning, and after waiting nearly an hour to speak to a customer service representative, I was told that " the clearinghouse hasn't sent us information that you're in classes yet, so you should talk to your school. '' I repeatedly asked for clarification, as I didn't understand what the customer service representative said by " clearinghouse, '' and the representative simply repeated the same answer each time until I gave up attempting to gain more insight from them and hung up. 

I emailed my financial aid advisor at XXXX on XX/XX/XXXX, asking them to please help me notify XXXX that I'm enrolled full-time and shouldn't be charged, and have received no response. 

Last week, on Wednesday, XX/XX/XXXX, my parents received a bill in the mail for {$150.00}, which indicated that my account was " past due '' and that this amount would have to be paid by XX/XX/XXXX, to bring my account back into good standing. To be clear, again : I am enrolled full-time in classes at the institution which has given me this loan and am explicitly not expected to make payments while enrolled full time. XXXX has given me no way to indicate this to their satisfaction, and now I am afraid their negligence may negatively impact my credit score.
In XXXX, upon checking my credit report, It came to my attention that a XXXX XXXX Credit card was opened fraudulently in my name. I sent debt validation letters to both XXXX and Portfolio Recovery Associates, and for a month it was either XXXX saying they sold the account to Portfolio Recovery and that I should deal with them directly. 

I sent Portfolio my FTC Identity Report along with other supporting documents, and I never heard anything back. XXXX XXXX, tried to sue for another account that was opened fraudulently, so out of fear of being sued and dragged back into a courtroom I took a settlement paying a total of {$510.00} I sent XXXX XXXX a packet of information with supporting documents, and recently XXXX XXXX   sent me a letter in the mail and ruled in my favor that the Account ending in XXXX was opened fraudulently. 

Every time, I asked Portfolio for debt validation they sent me the attached letters. It just states that XXXX sold the account to them and that was enough to establish its validity.
I sent a registered letter on about XX/XX/2018 to the company, to validate the debt and send me a copy of the validation of the debt with the company which they did not do.
I 've requested debt validation and the company has failed to provide any proof that I owe anything.
I have had a Walmart Credit Card through Synchrony Bank for two years. I have always paid on time and never been late. I recently started working on my credit to purchase a home. So I have been paying my balances off every month. On today I received a email from XXXX XXXX that my Walmart account was closed. I was not aware it was closed, never received a letter or notification that the account was closed. I called the XXXX number and was told the account was closed because XXXX   Credit Bureau sent them negative information on my credit report. I asked them was my account closed because XXXX XXXX will be taking over in XXXX and was told no it was because I had late payments on my credit report with XXXX. I asked the representative why would XXXX report to them, since they originally pulled by credit report through XXXX  and my credit score was lower than it is now and I had filed bankruptcy. The representative could not explain. I am filing this complaint, because my credit report will reflect this account being closed by the company and negatively affect my credit. How can a company close your account without even notifying you?
Account number XXXX The company is sending incorrect information pertaining the alleged financial agreement. They sent me the financial agreement with another provider that works independently from the provider they are alleging I have debt from. This is dating from XX/XX/2014. I am appalled that they would send false information in place of the information I requested. It is clear and evident no document with my signature exists with regarding this alleged debt. This needs to be removed off my credit report immediately prior to escalating all violations made from this company.
I completed my tax return using XXXX online service. On the last page, there 's an inquiry as to how I 'd like to receive my funds. It also advertised a quicker way to receive my funds by receiving it on a debit prepaid card, PayPower. This prepaid visa card is powered XXXX. I went with this option. 

The XXXX deposited {$9.00}, XXXX into my account with these people and I have yet to receive my funds. PayPower claims that they 've returned the money to the XXXX. The XXXX confirmed that XXXX received the funds on my behalf and has cashed it. PayPower confirmed receipt of said funds ; however, they continue to claim that they 've returned the funds to the XXXX, which is not true. 

I 'm working with XXXX XXXX, a XXXX XXXX Advocate who can confirm that the XXXX has not received the funds. She can be reached at : XXXXPayPower can be reached at : XXXX can be reached at : XXXX 've been getting the " run-around '' since XXXX XXXX, 2015. The XXXX deposited the funds on XXXX XXXX, 2015. 

PayPower was not satisfied with all my attempts to prove my identity. They claimed that they returned the money to the XXXX on XXXX XXXX, 2015. 

Since then, it 's been a back and forth and no real answers. 
I 've been evicted from my home. I was homeless with my children. This has devastated my life in ways I did n't think possible. 

I believe I am a victim of fraud. Please look into this and help me recover my due funds. 

Thanks a million.
Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed. 

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, BMO Harris has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011. 

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.
I have contacted Equifax on several occasions Over the past three months due to reporting issues. First there were errors that were requested to be fixed for several months then Suddenly my information did not report at all except for one cancelled account from years ago. It has impacted my ability to buy a home at prime rate, and led to multiple unnecessary and score impacting inquiries. When I called I was asked to submit copies of my Social Security card and an ID and they stated that within 4 to 6 weeks that would get my file corrected. That has not happened and this was BEFORE the data breech which Im now informed Ive been impacted by as well.
In late XXXX, I applied for a membership in Navy Federal Credit Union because I am an XXXX of the XXXX XXXX. I planned to obtain a promissory note to purchase a used vehicle. A few weeks after they approved me for membership over the phone and sent me a promissory note and security agreement, I was unable to log into their website to view my account. After speaking to several representatives, I learned that I needed to " verify my eligibility '' by submitting documents proving that I am in the military. When I asked them why I did not receive an email or phone call informing me of this issue, I received no explanation, but I was re-granted membership in the credit union. Then, after driving the car for an entire month, I learned from NFCU that because I purchased a salvage title vehicle ( it is a theft recovery with no history of collision ), a fact which I did not hide from them and which was freely available to them on the state 's XXXX XXXX search website, my loan would be converted to a " signature loan, '' and the interest rate would go from 5 % to as high as 18 %! I asked why they missed the " salvage '' brand in the title search, but they told me it was my responsibility to inform NFCU and that I was lucky enough to be paying the lower interest rate until the loan is converted to a signature loan. A representative pointed me to a sentence buried in the middle of a paragraph on the XXXX page of the security agreement that I signed to justify this interest rate hike. It reads : " The owner ( s ) will maintain property insurance on the collateral covered by this Security Agreement against loss and damage with a collision deductible of no more than {$500.00}. '' He told me that this sentence justified NFCU retroactively hiking my interest rate because buying a car with a salvage title constituted breach of an agreement to maintain insurance on the collateral. I have insured this vehicle through XXXX, and their representative informed me that I had collision insurance up to the vehicle 's value. I did not realize that a salvage title would severely reduce the vehicle 's value, but I also did not nor do I think that this sentence in the security agreement or any of the statements made to me before I purchased my vehicle justify the interest rate hike that NFCU is trying to impose on me. In my opinion, the fault does not lie with an unsophisticated consumer, but with an enormous banking institution that failed to do its job by giving easy credit without doing its due diligence.
On numerous occasion I have contacted  TransUnion LLC. a bout inquires on my credit report that were deleted and added back to my credit report without my knowledge. I spoke with an agent on  XXXX / XXXX / XXXX  who admitted that there was a glitch in the system in which everyone was effected but refused to remove the inquires listed below from my credit report. She stated that I needed to prove that I had been effected by the glitch and when asked to produce information that stated I was not she could not produce the information.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   duplicated should only be listed once )   XXXX
I brought a car from XXXX cars. It turn out to be a lemon. XXXX went out twice. The first time they came they fixed it. Not even a week later something went wrong with it again and they refused to pay. I told them to come get the car on XX/XX/2014. Instead of them putting as a repo on my credit they have it still as a open loan/late payments. They know what they doing. The are rude and they keep pointing me to talk with the credit bureau. " We have nothing to do with how it 's reporting '' they say. I been going through hoops to get this as a voluntary surrender. They did n't even send me a letter saying they sold the car again. On my credit report they are reporting a amount that is not the owe limit. they are a fraud and i 'm tired of this. XXXX XXXX auto acceptance/ XXXX Cars
Reviewed my  XXXX  credit report dated   XXXX   XXXX  2017    and  Portfolio Recovery  Associates ( PRC ) reports an original balance due of {$850.00} :  1.  I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.   4. This information erroneously appears on all  (   XXXX  ) credit reporting agencies and I have asked  XXXX  to dispute such claims with no response from PRC.   5. As such, all such information should be deleted from all (  XXXX  ) credit reporting agencies.    XXXX   XXXX
This has happened more than once, and I have a documented voice mail from XXXX at Caine and Weiner where they threatened my credit report unless I pay them today. This sounds like a predatory  practice from a debt collector that I think should be stopped. XXXX XXXX XXXX : You 've got a new voicemail from ( XXXX ) XXXX. Transcript : XXXX this is XXXX. I 'm calling with Canaan whiner this is in regards to the outstanding balance for XXXX reference number XXXX. unfortunately it has now been 2 months in collections at this point. It will be affecting your credit rating unless we could get payment today. Please call me at XXXX XXXX XXXX. Thank you.
Reference ID : XXXX I Have funds in my paypal over 180 days. I tried withdrawing funds numerous times but unable to withdraw. Please release my {$12.00} USD
I have a unauthorized charged on my macys American express card1.XX/XX/XXXX macys at XXXX XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXXtotal amount of XXXX un authorized charge
I contacted LoanCare approxXX/XX/XXXXfor the exact amount I would need to pay and the process for paying down my loan to remove PMI. 
I sent in {$19000.00} ( slightly more than needed ) and it was appliedXX/XX/XXXX ( confirmed online ). I mailed in a written request to remove the PMI the same day and emailed a written request and called in several times since. I have request call back and email for call backs and no help! Now I have paid PMI for the month of XX/XX/XXXX& XXXX and see no sign of the PMI being canceled or anyone helping!!!
Unified Recovery Services for XXXX XXXX on a credit card, stating I owe {$1000.00}. I do not. I was mailed a letter from XXXX Office manged by XXXX XXXX and I responded by USPS mail within 30 days of that letter yesterday on XXXX/XXXX/2016 and also by fax. I told them I disupte this debt and that I am contacting the FTC. I dispute this debt.