WillisBack/dataset-financial-user-claim huggingface dataset:
I selected this lender for my first time home purchase. I was referred to this place. I was pre-qualified, found a home, and started the process on XXXX/XXXX/2016. My close date on the contract was XXXX/XXXX/2016. Throughout the entire process i kept emailing and calling to find out what 's needed, what are the next steps. Finally on XXXX/XXXX/16 it seems someone started to work on my file. I 've been promised a closing disclosure since XXXX/XXXX/2016. Every day i 'm told tomorrow. My real estate agent has had my contract extended three times. I even emailed the CEO of the company for resolution without any. This is by far the most incompetent company i 've ever worked with. Throughout the process I felt as if nothing was happening. I was right. My appraisal was ordered two weeks before closing. My verification of employment was ordered 6 days before closing by XXXX XXXX. Now we 're nearly two weeks after i was supposed to close, they finally have everything they need and i still do n't have a closing disclosure or close date. Specifically tax returns, w2 's, verification of rent, verification of employment, termite inspections, and appraisal corrections were still needed on XXXX/XXXX/2016. XXXX and XXXX told me multiple times I was on track to close as scheduled. I emailed and called them daily. Nothing was needed. It seems as if no one touched my file until XXXX/XXXX/16. However, now it 's too late. I 've missed my close date, my contract is now invalid for the third time, and I 'm losing more money each day this closing is delayed. I 'm now at risk of losing the money i paid for the appraisal and home inspection as sellers do n't have to extend offer a fourth time. When I press and ask additional questions both loan officers find laughing appropriate. There has also been no accountability on Primary Residential 's end. When I demanded answers on what was going on with my file and why I was n't receiving my closing disclosure on time, my credit score was emailed to third parties with an email stating due to my credit score there are extra steps. It was never communicated to me that my loan would not close on time due to my credit score. There are many lenders that work with XXXX plus for FHA. Those lenders also understand the importance of customer service and contract dates. I do n't understand how this company is allowed to operate as a lender. I 've been told my loan is for final approval since XXXX/XXXX/16. New year, still not approved. I feel absolutely helpless at this point and the dream of home ownership is slowly slipping away.
I am receiving letters from credit collection services for XXXX bill that I do not owe, I have never had any accounts with XXXX,
I have a lease through Volkswagen Credit, which was until recently on automatic payment. A few months ago I noticed Volkswagen charged nearly {$150.00} more than my typical payment. Volkswagen never communicated it would charge this additional amount, so this was a complete surprise. 

I contacted VW credit and did not hear back for several days. So, I disputed the portion that was above and beyond my usual payment with my bank. I again contacted VW in writing and did not hear back. 

My bank confirmed with me that they tried multiple times to contact VW credit to work things out, which is typical for a dispute case, but were unable to get a hold of anyone and eventually the dispute was authorized by default. 

The next month I receive a bill stating I was past due in the amount of the typical payment plus the mystery charge. VW credit had still not contacted me about this transaction despite repeated followup. Finally I get someone on the phone who explained what the extra charge was for ( a tax on leased vehicles specific to my city, which gets passed on to the consumer once per year ; she could n't tell me why I had n't received this extra charge in the 2 previous years of leasing the vehicle ). I tell her I will go ahead and pay the past due lease amount, since I did not dispute the charge to begin  with, and I will read the law regarding taxation on leased vehicles ( this is not typical in my state but unbeknownst to me at the time a handful of cities tax leased cars ). During this conversation the representative assured me that since I paid the " past due '' amount it would not show up on my credit report, and I have until the lease ends to pay the additional charge for the tax. 

After researching the surprise tax charge, I pay it within 30 days of the conversation and several months before the lease is set to end. A couple of months pass and I find out that despite paying the past due amount and the additional surprise charge, there is a derogatory mark on my credit report. I send a message to VW credit explaining the situation and letting them know that I was told very specifically that my credit would not be damaged by what happened. They reply, in so many words, that they do not plan to revoke the derogatory mark and they do n't care what their employee said. 

First the diesel scandal and now a confirmation that Volkswagen does n't care about their customers or doing what they say they 'll do. Stay away from this company.
On XX/XX/XXXX, I contacted Prestige Financial regarding my auto loan being very high at almost 20 %. I spoke with XXXX and asked about reducing my rate. XXXX told me I could make 3 on time payments or add auto pay to my account. She informed me the rate was reduced to 19.74 %. XXXX is very unprofessional, condescending and calls on the day the payment is due. There's absolutely no grace period. 

I was 30 days late with my car note once, back in XX/XX/XXXX. I feel this rate is predatory lending for veterans who've had financial hardships. I recently discovered through XXXX my vehicle has structural damage and it's worthless!!! The vehicle 's history was never disclosed to me at the time of purchase. I purchased my car for $ XXXX, by the end of my loan, I will have paid over $ 26K. 

I purchased my vehicle in XX/XX/XXXX, after filing bankruptcy. My bankruptcy attorney referred me to an auto program called 722 Redemption. They " offered Chapter XXXX debtors alternative to costly vehicle reaffirmations ''. Through the 722 Redemption program, I bought my car from the XXXX XXXX dealership in XXXX Ohio. 

Now I'm stuck with a worthless vehicle, an outrageous interest rate and $ XXXX in negative equity. Please help. 

Thank you, XXXX XXXX
On XX/XX/2018 I contacted Health Receivables Group. I wanted to pay a XXXX medical debt on my XXXX credit report. When I contacted them, they also stated, there was another bill in their office for XXXX. So I paid both of these. They also had more medical bills from when I became XXXX, so I made payment arrangements of XXXX a month to come out of my XXXX every month. I contacted XXXX and asked them why this was on my credit report still and they stated I needed to file a dispute. The dispute came back I still owed the XXXX even though I paid it. So I called Healthcare Receivables Group up and they said they never said that. I filed two more disputes and they it came back I still owed that amount. I am enclosing the credit charge to show that I paid that. The payment in the photo attachment is shown under HRG. And it should be removed. I am also stating if I am paying XXXX a month on the bills owed, they should be showing up on my credit report for the other medical bills on my credit report. But, they are not reporting the amounts on my credit report that I am paying like the other collection agencies and this directly affects my credit report which I am trying to clean up even on a small limited income.
Capital one 360 checking XXXX XXXX XXXX checking Both accounts were closed without notice XXXX XXXX account was closed, after 20 hours on the phone and I personal guarantee I would get my funds of approximately {$4000.00} XXXX the next business day. 
I did not receive .I called again and I was rudely hung up on. I asked a representative if the conversation was taped I was informed that it was I informed the representative I will wait as long as it takes for her to review the the tape recording. 
The representative returned after approximately 40 minutes on the phone and knowledge that the check was supposed to be sent out. Using terminology there was a " mishap '' the explanation was that it was in transit therefore they couldn't cancel it and couldn't issue me another check after the first one was sent to the wrong address. the second I was extremely clear and requested confirmation of the correct address. I was informed that it was there was another mishap and it was mailed to the wrong address once again. 
I finally received the check made out to my business name. 
Since it was made out to my business name I could not cash the check I ended up spending {$450.00} at a check cashing place to cash a check those approximately {$4000.00}. 
took over a month-and-a-half which constituent in closing of two Capital One accounts business and savings was XXXX and Capital One Additionally because I was not able to receive my funds to pay on my credit cards with Capital One. 
I simply requested they transfer the monies from my checking account to pay off credit cards I was informed that's against company policy in essence Capital One checking could not make a payment Capital One credit cards same account, everything was combined 7 accounts in total Capital One closed all 5 credit cards continuing to charge me in outrageous fees and penalties for checks and payments being returned from Capital One checking same company the close the account that was holding my money and didn't have access to it. I repeatedly asked to speak to a supervisor I was never given the opportunity and was hung up on on numerous occasions. 
The practices of Capital One banking and credit card services are absolutely horrific especially due to the fact that I was recovering from two car accidents ( not at fault ) by drunk undocumented uninsured unlicensed XXXX XXXX which rendered me XXXX and consequently losing my business of over 28 years. 
Not only do I request all monies due to me .I requesting sanctions and an investigation to the extremely unethical and illegal business practices of Capital One credit cards Capital One 360 checking account and Sparks business and checking account I firmly believe that a class action lawsuit should be filed against the practices of Capital One and all Affiliates associated with a company
My TransUnion ( TU ) credit report has the incorrect information as to my " Account Age '' which factors into my credit rating and is why my TU credit score is significantly less than XXXX. TU is reporting the Length of Credit History as only being 13 years and 0 months, Average Account Age of 5 years and 11 months and the Oldest Account being with the XXXX XX/XX/XXXX. The correct information which is being reported by the other XXXX above mentioned credit agencies should be as follows : Length of credit history - 21 years, 10 monthsAverage Account Age - 7 years and 11 monthsOldest Account - XXXX XXXX open XX/XX/XXXXEssentially TU deleted my oldest account ( XXXX ) which has now changed all of the calculations for my " account age ''.
Same as a year ago. Navient. I have finally got a payment that I can make with them, and it have gone up every 6 month or so. I do n't know if they want me to default on my loan or what. Started out with a payment of {$550.00} a month. Then it went to {$550.00} a month. Now its up to {$570.00}. My payment was suppose to stay at {$550.00} a month, due to me making {$20000.00} a year. I have never missed a payment, they have put me in a terrible strain again with my payments. I also need to know, If I was in the last lawsuit they the consumers won with Navient. If so, all of the funds can go to this loan. Please let me know what my next legal move should be. I get very tire of trying to do the right thing, and get dirt kick in you face at the same time.
On  XXXX   XXXX ,  2017, I rece ived a credit report alert from  XXXX  that  XXXX  negative accounts is being reported on my Equifax report. The  XXXX  negative accounts are  1. G  XXXX   XXXX   XXXX   XXXX  and  2.   XXXX   XXXX . Equifax removed the  XXXX  accounts on my credit file in  XXXX   XXXX . I was never notified that these accounts was going to be placed on my credit prior to this being put back on my credit file Per the FCRA " If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later tha n five d ays after the date of reinsertion. '' Their customer service is horrible it seems as though as soon as  XXXX  account gets removed they come back and reinsert another one. Please find that I 've included the previous cases that I filed against them via CFPB. Notice that Equifax responded several times in regards to this  XXXX   XXXX   XXXX   XXXX  account " stating that it 's not reporting and on my credit file and th e 1st res ponse is that they deleted it '' also I attached the credit report that they claimed that they removed both items. My case is based on a previous complaint I filed with CFPB #  XXXX  against Equifax they were reporting another deleted account on my credit file and they should n't. After their investigation, they responded with a letter stating that they deleted this item. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here are all the supporting documentation.
On XX/XX/XXXX I disputed the bankruptcy on my Experian credit report. On XX/XX/XXXX Experian responded online to that dispute with the statement, " The company that reported the information has certified to Experian that the information is accurate ''. There was no mention of who the company was that verified the information. On XX/XX/XXXX I submitted a " method of verification '' letter in response to Experian 's response so that I could find out what company certified the information. On XX/XX/XXXX Experian responded online to that dispute with the same statement, " The company that reported the information has certified to Experian that the information is accurate ''. Experian did not provide the company 's information that certified the information. Experian has shown to be acting in a dishonest manner regarding their investigation process and response. I've attached documentation to backup the above items and in that attachment I've also included two letter from that U.S. Bankruptcy Court that states they do not report ANY information to the credit bureaus or XXXX XXXX. Since the court does not provide the information then Experian has failed to investigate the information properly as the Fair Credit Act requires.
XXXX XXXX XXXXXXXX using my credit information improperly having XXXX plus dti less than 10 % fcra violation company should be audit or check if they are treating customers fairly XXXX was sued b/c of giving other race credit please have them reconsider or look at if these company are using unfair practices
I have disputed an account with Experian that is being shown as current when it was really closed in XX/XX/2013. They finished their dispute and have left the account open. It is materially effecting my credit. 

The account in question is with XXXX for {$16000.00}. I have reached out to XXXX and they have provided a letter stating it was closed in XX/XX/2013. 

Please help in getting this removed from my report. 

Thank you XXXX
My complaint against PayPal Inc. is such a very doable action as far as I am concerned. This was just not given attention regardless of the numerous contacts, emails and calls done. PayPal, has put a permanent limitation to my account XX/XX/XXXX when it has unwithdrawn funds yet amouting to more or less XXXX XXXX. I received an email last XX/XX/XXXX stating that my money is now eligible for withdrawal. Now, its XX/XX/XXXX and I havent gotten the chance to enjoy my own money because it is not in my own hands that lies the ability to adjust the limitations set on my account which one of those it to withdraw money from my account which up to know shows under the restricted actions that I am not allowed to perform which then hinders me as well to add a bank account a XX/XX/XXXX card and is denied to me several times by supervisors on their Limitations Team stating that their front end agents are LIARS because they informed almost everyone about adjustments done when an account is limited and withdrawal needs to be done. Well, what can I say? I know their limitations Team may not exceed a number of adjustments per day or their metrics are gon na be suffering.
We placed merchandise on eBay listed a Go Pro Camera Hero 3 silver including accessories of a battery pack, charger with USB cord, chest mount, head mount, touch screen, XXXX cases with interchangeable doors for the camera listed for the 'buy it now price ' of {$350.00}, valued according to fair market at approximately {$560.00}. Received an offer from XXXX to purchase the camera with equipment for {$350.00} plus additional shipping and handling fee of {$50.00} which made the total {$400.00} noting that it was 'a birthday gift ' received from PayPal via email, with a realistic transaction ID number, and with the PayPal logo . Emails and text messages were exchanged between the fake buyer and us the sellers. The money was requested and to be placed into the PayPal account. We received several emails that stated that it may take 'several days for the transaction to appear in the account ' however it went on to say that the 'account could be credited in the next 24 hours '. We also received a confirmation shipping reference number written on PayPal documentation. But the money was never received into the account, the merchandise had shipped. According to the phone calls to PayPal, they were not responsible for the transaction and stated that it appeared to be a fraudulent email. It is extremely frustrating, disappointing when this was the first time we attempted to sell using PayPal. It is a shame that Pay Pal does not have their website secure and take responsibility for the fraud that occurred. I will submit the emails obtained from the fake buyer and please note the transaction ID listed on PayPal logo.
repeatedly have asked for debt validation this has been put on my credit report Tx has a statue of limitation law
Our account had been sold to Select Portfolio Servicing, and after a single thirty day late payment. They have begun an aggressive and at times abusive campaign to seize our property. They have been offering us {$10000.00} to vacate our property. We have been receiving written harassing correspondence on a daily basis, as well as constant daily phone calls. Our original mortgage was a conventional fixed, and now they are claiming that it will be Adjusted every 5 years. This was not what we had signed up for.
Moved from XXXX to XXXX with XXXX on XX/XX/XXXX. Started new XXXX service XX/XX/XXXX unbundled due to lack of availability of XXXX phone and internet service. Account # stayed the same but I was being charged for extra XXXX and not receiving my bills on line. On XX/XX/XXXX I called XXXX and they stated they could not help me I had to call XXXX and speak with a representative and provided me with the phone number. I spoke with XXXX and they cleared up my account. Apparently I was being charged for XX/XX/XXXX under my XXXX account # XXXX and my XXXX account XXXX. XXXX credited my account the {$130.00} from my XXXX account number XXXX. In XX/XX/XXXX I received a bill for the {$130.00} and assumed it was an over lap in mailing. In XX/XX/XXXX I received another bill from XXXX for {$130.00} and called XXXX in an attempt to resolve the issue. I made several different phone calls and received the same answer : the billing dates were not duplicated. I finally called a number in DC ( i think ) that was sudence ppose to handle XXXX billing complaints. After several attempts to try and get her to see the overlap in dates, she finally agreed and stated I would be sent out a new bill. I waited for the new bill and what arrived was a letter from a collection agency, XXXX XXXX, account # XXXX.I have filed two separate disputes with copies of my bills and have received and email in both cases from Credence stating " XXXX states the charges are correct. ''
I had a mortgage on property in moundhouse Nevada the mortgage was sold to M & T bank, XXXX XXXX XXXX XXXX Maryland from XXXX XXXX XXXX number XXXX On XXXX XXXX th I called and asked for a payoff total on this loan, I was told the amount was {$72000.00} I then wired this amount on the same day from my bank. They told my Daughter several days later that they would not post this payment until XXXX and We owed another {$350.00}, I sent the money, is this legal they would not post the transfer money until they could charge another months interest. Thanks for your help..XXXXXXXXXXXX
Name is listed twice.The right name should be XXXX XXXX XXXX not XXXX XXXX XXXX
I have sent a tota l of 4 req uest for verification letters to  Revenue Assurance o r Consolidated Recovery Systems. After filing a CFPB complaint a few weeks ago I finally received a response back from the agency explaining that they were sending mail to   XXXX   XXXX     instead of  XXXX , although my correct address was typed on all  four le tters and written on every envelope. Furthermore, I called to give the correct address and requested that they print out the documentation on Wednesday and I would pick it up. However, I was unable to pick it up and they mailed it to me and I received it yesterday,  XXXX / XXXX / XXXX . The " verification '' is  a one s heet document outlining services and fees incurred with  XXXX   XXXX , a name that I have not used since  XXXX  before I was married and my previous address. However, it did not include any other identifying information. I attached documentation that I received from Revenue Assurance or Consolidated Recovery Systems verifying that the documentation I received does not meet the requirements to validate the accused debt. This debt has been removed from all other credit reporting agencies because the debt could not be validated.
My home has been in foreclosure for over 6 years. I retained an attorney and submitted multiple requests for modifications and short sales. The ba nk Chase, has stalle d and given me the runaround that whole time. Recently, they sent correspondence directly to me bypassing my attorney. I sent the letter to my attorney who called them and told them that until they get a court order or that the case goes before a judge they are not to enter the property or change the locks. They agreed that they should have gone through my attorney first. Then I got a notice from my insurance broker that a claim was made on the property by someone other than me. He investigated and found out that the bank entered the house illegally and made the claim. Basically, they committed the crime of break in and entry to a property that A- is not theirs and B - they knew full well was being represented by counsel. All of this while obfuscating and refusing to work with me.