WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was involved in an auto mobile accident that ended up a total loss for the used XXXX XXXX XXXX loan. I was deeply injuried but I had to leave the next buisness day to arizona for a work project. I submitted all necessary statements and paperwork to the insurance same day. My insurance at the time and still is XXXX XXXX as I have full coverage and gap insurance provided through nissan for peace of mind in which I paid top dollar for, never payment missed. The insurance gave a huge run around not wanting to do the leg work to process this claim effectively and efficiently. They didnt even get out to XXXX, fl where car was transported to look at it to clarify it a total loss till aftet a month. Finally they reported a total loss to nissan but nissan still needed paperwork and to be paid so they could clear my payments. I had to do all the faxing, preparing, and paperwork for both companies speaking hours at a time daily just to get these companies to process the gap so nissan would stop billing me. The same company nissan and location as of XX/XX/XXXX put me in a new XXXX XXXX XXXX and payments were higher because gap insurance still didnt clear off my credit even though it was being processed and bills paid on time and in compliance followed. They have reported my debt to credit charging my gap insurance paid never missed a payment XX/XX/XXXX loan for the amount of XXXX charging me from XX/XX/XXXX through XX/XX/XXXX of me not having the car and both companies in communication. I pay top dollar and bought several vehicles through nissan and have a huge family account there. I need someone to help clear this off, its not valid
Synchrony bank the owner of my Amazon store card closed my credit card account without my authorization due to Synchrony 's failure to resubmit payment requests to my secure online bank account. They initially took the payment before I agreed with them on a time to take the payment. Three days later, when the payment was supposed to have been taken there would have been money in the personal bank account the credit card company was requesting the payment from. They tried to take the payment three more times before the scheduled payment date. As a result, my bank refused payment because the money was not yet in the account. Two weeks ago they closed the account and cancelled all services due to an issue caused by their attempting to take a scheduled payment too soon. I have explained to them, that if they want their money they will either have to send the balance to collections, or reopen my credit card account. I have cancelled all payment sources on this account until this bank error can be resolved by Synchrony bank. I will not pay them any more of the balance until they reopen my account, or send it to collections. I have suffered financial losses due to their failure to take the scheduled payment on time amounting to upwards of {$50.00} or more. I guarantee they will not get their money owed until this issue can be resolved on their end, or the account is forced to collections. I have made a good faith effort attempt to contact them, with my concerns to resolve this debt. If I do not hear from them in the next 48 hours with some possible negotiations on this balance, my previous statements made here will stand. If Amazon.com has any concerns about their credit card vendors, I am happy to speak with them, and to offer alternative vendor suggestions for synchrony bank. This is an unacceptable treatment of limited income customers by Synchrony bank, and may actually qualify as predatory lending. If this is the case then Synchrony Bank has violated federal law with regards to Predatory lending policies. Sincerely, XXXX XXXX
I had 2 XXXX loans in repayment through XXXX  education services. One I repaid in full the larger was being paid on and in good standing for 7 years. I went online to pay a monthly payment and it was not on their website. on XX/XX/XXXX I called XXXX only to learn that the remaining 4200.00+ had been taking over by Navient . I called them and the woman on the phone told me that I had a balance on XXXX. When I inquired about it, I was told it was also a sallie mae loan which I did forget about and was my fault. I asked to make my payment on the smaller one which was transferred to them and I would make arrangements with the larger one. She said she could not do it because it was all being sent to collections. My question to her was, " how can you send both loans to collections if the smaller loan was being paid on through XXXX  on time ''? Navient would not let me pay on either one. There has to be something illegal about this? The sallie Mae loan was on my credit report up till XX/XX/XXXX and fell off, now they are going to obtain an old laon and try to put it back on my credit report as a new loan which I have tried to set up a payment with them, which they will not let me do?! They are already in a lawsuit for this type of unfair business practices now. 
( XXXX # XXXX )
XXXX ( XXXX XXXX XXXX Credit Card ). On XX/XX/XXXX, I paid credit card off in full. Credit card company charged me {$1.00} the following month. I did not get statements b/c I am paperless. Needless to say, I paid the balance off in XX/XX/XXXX and in XX/XX/XXXX, I never thought I would get a {$1.00} charge which then turned into {$67.00} in XX/XX/XXXX, due to being charged {$1.00} per month then incurring a late fee each month I did not pay the {$1.00}. When I called the CSR was not helpful, she claimed they have a rolling fee, and I told her I was not familiar with that term. She then transferred me and I was left on hold for 23 minutes. I have several credit cards and when paid off in full, the balance is zero until I use the card again. I am still not sure what the {$1.00} fee is for and I had to pay the {$67.00} and most likely my credit has been impacted.
I am writing in reference to a Released Tax Lien that is reporting on my Transunion and XXXX  credit report as Serial No. # XXXX. The Lien has been released since XX/XX/XXXX. I  have filed numerous investigations in efforts to having this public record removed by phone, letter and online, the most recent was XX/XX/XXXX and it came back updated XX/XX/XXXX. This the same released Tax Lien was immediately removed by XXXX after 1 investigation. 
Under the New Law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN and DOB in order for it to appear in your credit file. Transunion or XXXX has not updated their information and PER the New Law the Released Tax Lien listed does not include all the required information and should be deleted from my credit reports.
I am sending another complaint, no one seems to understand what happened to me .I Iost XXXX thru garnishment for a debt that is not mine. For XXXX XXXX finance agency has taken my money unlawfully because I did what they wanted. I did n't show for court .that should make me except this. If this is legitimate I should n't have to wait XXXX for verification. If this bill is mine I have no reason to persue like this, I really need someone help me. Thanks
They convinced me to keep my loans on forebearance for a few years until I was no longer eligible for forebearance. After that, my balance due skyrocketed and I was asked to start paying a larger amount every month than I can reasonably afford.
I have submitted several complaints to all three credit bureaus, the CFPB, the BBB of Michigan and the original creditor in regards to an ongoing dispute. Please see complaint below : I originally purchased a vehicle for a 12-month lease on XX/XX/XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$900.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XX/XX/XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained.
When I returned the vehicle on or about XX/XX/XXXX ( I had purchased another vehicle several days prior ) I was also informed at the dealership upon returning, that if there were any additional fees that were not covered by my initial down payment that I would be billed.
1 year later, I checked my credit report and the finance company, Brite Financial Services has recorded a charge off amount of $ XXXXwith a monthly payment of {$78.00} on my on all three credit files ( XXXX , XXXX , XXXX  ).
My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XX/XX/XXXX, this company was paid a total of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX. This vehicle was returned on time with no additional monies owed. In addition, per the lease agreement ( see attached ), the total payments paid at the end of the lease was to be {$4800.00}. Therefore, this lease agreement has been paid in full per the documentation provided.
Furthermore, I contacted the company in XX/XX/XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. I am requesting VALIDATION of this account. This means that the creditor is to send me a complete payment history to show that a payment is actually owed.
I have sent complaints to all three credit bureaus, the Consumer Financial Protection Bureau, and the creditor with on success. Please look into this matter and verify the account as being falsely reported.
In addition, I have only received handwritten/typed account information stating what is owed. This is not proper VALIDATION, as this information can be from any one of their current or previous customer 's information. Brite Financial as also sent back dated emails with previous amount owed. See all attached documents.
Thanks, XXXX XXXX XXXX
On XX/XX/2018 my XXXX XXXX premier account ( account # XXXX ) had been hacked, and being illegally transferred out twice ( {$2800.00} & {$6200.00} ). I noticed the same day while I was in XXXX, I called HSBC Premier customer service line ( XXXX ) I was being switched to HSBC fraud department. All my XXXX XXXX accounts ( premier, saving, checking, business and credit accounts ) were suspended. I could not log into my account online anymore. I came back to New York on XX/XX/2018, went to HSBC XXXX branch to learn that my account was being hacked many times since I reported. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, hacker came in and transferred money out freely. 
On XX/XX/2018, I filed a complaint with CFPB because I was in XXXX could not get response from HSBC. The complaint number is : XXXX. I received your letter 2 days ago telling me that this complaint is closed. My money is not recovered completely yet. HSBC efraud team refused my phone calls several times, they asked me to branch, when I went to HSBC several branches and I was told to contact my account manager. My personal account manager left HSBC more than 2 months ago, but on their system my account manager is still he.
WE PURCHASED AN OVEN FROM THE LOWE 'S XXXX STORE IN XXXX 2016 AND OPENED A CREDIT CARD ACCOUNT TO GET AN EXTRA 5 % OFF. 
They delivered the wrong oven & returned it to there store in XXXX Florida. 
We never received any goods ( oven ) or services from Lowe 's so we cancelled the oven on XXXX XXXX, 2016. They are now, Lowe 's credit, sending me a bill for {$180.00}. Again, we never received any goods or services ... just frustration in trying to get the oven we ordered. We called Lowe 's Corporate offices in North Carolina but they advised it was a store/credit issue and they would not get involved??? 
So, we had no oven for XXXX, only frustration and now they want us to pay for something we do not have and never had..
well fargo bank is closing down town  XXXX  branch. they sent letter that I had to close my safe deposit box, which I did. they failed to issue me pro-rated refund at time of closing and play ed dumb when I asked manager to m ail me a refund check that is due to me.  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , fl  XXXX   XXXX
I believe I am a victim of the Equifax data breach on XX/XX/XXXX. As far as I know, my identity has not yet been stolen. I believe my personal data was managed poorly by Equifax and believe that they should be held accountable for any damages that may befall me due to their negligence in this data breach.
PHH Mortgage Corporation - Mortgage Service Center is a " debt collector '' pursuant to 15 USC1692a ( 6 ), 15 USC 1681n, and Florida Statute XXXX ( XXXX ). I have mailed several request to PHH Mortgage Corporation by certified mail for verification and validation of an alleged debt. 

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of Debts and Florida Statute XXXX - Assignment of Debts, In a my correspondence with PHH Mortgagae Corporation, I asked that it 's agents provide supporting evidence to substantiate its claim., within thirty ( 30 ) days. 

PHH Mortgage Corporation, through its agent XXXX XXXX, has attempted to seize my property and alleges, in a complaint filed in the State courts of Florida, a default on XXXX XXXX, XXXX. 

The complaint alleges a default on a loan on XXXX XXXX, XXXX. However, this company 's alleged claim is based on an fraudulent assignment recorded XXXX XXXX, XXXX, 11 months after the alleged default. 

Also in a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX using a XXXX letterhead acknowledged receipt of a debt dispute and in response mailed a second letter dated XXXX XXXX, XXXX with a PHH Mortgage letterhead alleging XXXX XXXX as an investor on the account and listing XXXX as a servicer on their behalf. 

I have several account statements from XXXX marked with the original account number showing the account is still open and alleges I owe {$80000.00} and lists PHH Mortgage Corporation as the servicer. 

The account statement from XXXX for the account raises the question did PHH Mortgage Corporation give value for the alleged assignment as required by Florida Statute XXXX and the Uniform Commercial Code.
My wife and I keep getting phone calls from EOS CCA XXXX Ma XXXX the phone number is XXXX. For almost a year they having been harassing us in an attempt to reach a XXXX. My wife and I have told them that we are not or do we know XXXX Pleas tell EOS CCA to stop calling XXXX or XXXX.
I have filed complaints against Prestige Financial Service in regards of interest rate and vehicle purchase.Please review filed complaint # XXXX
I was discriminated against for my XXXX by Mortgage One. Causing numerous delays in our mortgage processing and leaving us homeless for nearly a month! 
The discrimination and delay were due to them requesting that I provide them proof I would remain XXXX for the next 3 years, an action they are prohibited from doing.
Our home equity loan was sold three times. The current owner of the loan West Coast servicing has not sent a detailed statement of the account since XXXX. The only correspondence we receive are delinquent notices with a lump sum that is due ; there are no details of the charges or recent payments to the account. I recently sent a request for this detailed information because I do not believe this amount they are requesting is correct. I wil attach the last full statement that we received from them dated X/XX/2016, and the subsequent delinquent notices that they send.
I was approved for HAMP program and Wells Fargo dropped the ball on the XXXX mortgage to the point where they have foreclosed on my XXXX loan. It was my understanding that I was going to be offered XXXX. Apparently this did not occur because Wells fargo had incorrect city locations in my records and therefore no record match could be found. Although I called and sent over a XXXX letters -- Wells Fargo just kept passing me off to numerous people and nothing got done. My XXXX daughter answered the door the day the process server came to our house and the whole family was so upset about the possibility of loosing our home. Well Fargo did absolutely nothing to support me or the situation. After XXXX months of going around in circles -- and receiving letters from my credit card company 's that my credit limit was being downgraded since they had me recorded as foreclosing -- I received a call from a Wells Fargo manager, XXXX XXXX, in loss mitigation who told me that there was nothing he or the bank could do to resolve my harmed credit until I went through another trial period which would be XXXX days. How ridiculous and absurd is it to have to deal with bank managers who ca n't mange their own internal processes so they can support their customers. Especially when the mistake is on their end. Wells Fargo -- You need to own your mistake and stop with all your non sense.
JP Morgan Chase has failed to pay our dispute JP Morgan Chase has failed to provide us their Dispute Policy and what are my rights
I graduated XXXX XXXX in XX/XX/XXXX, before the public service loan forgiveness program existed. When the program was created, I contacted XXXX XXXX by phone and asked about whether I would qualify for the loan forgiveness program. I was told yes. A few years later, when I was having a hard time making payments on a public service salary I again contacted them to try and problem solve my situation and was again told I would qualify for public service loan forgiveness. Neither time was I told I needed to refinance through the XXXX XXXX XXXX XXXX in order to qualify for public service loan forgiveness. In late XX/XX/XXXX I found out through a company that charges to assist with consolidation that I would need to refinance in order to qualify for public service student loan forgiveness. I confirmed through my own internet research that was true, and consolidated with the XXXX XXXX XXXX in late XX/XX/XXXX. After I consolidated I learned that none of my per-consolidation public service could count towards my forgiveness timeline. I have had the same public service job since XX/XX/XXXX. Because I could not afford to make my loan payments and cover a XXXX co-pay, car repairs, or my divorce, I had to put loans in forbearance during the time XXXX XXXX was my loan servicer. My loan debt has gone up {$30000.00} in the time I have been paying on it because at this time my income based repayment does n't even cover the monthly interest amount. If I had received the correct information about the qualifying requirements for the public service loan forgiveness program I would have refinanced back inXX/XX/XXXX. I could have several more years towards my public service forgiveness. The frustration I have felt through this process can not be expressed in words, or if it can, it is beyond my ability. I have had to use credit cards and loans to cover financial gaps because my loan debt is such a burden, and then to discover that I can not get credit even for the years of public service I have already worked was horrible news. I took the steps I believed I needed to in order to verify my qualifications for the public service loan forgiveness program, and was assured I qualified. Then I found out I did not, and there was nothing to do but refinance and start my service clock from that date. If there is anyway I can provide information for the lawsuit, please let me know. As to the dates and times of my phone calls with XXXX XXXX staff, that would have to be subpoeaned because it was so long ago I do not have records.
I recently found out that I supposedly owe 3,000+ to an apartment complex by applying for a loan and being denied. The dispute took less than 30 days to investigate. I lived at that place for months, and had a cosigner. So if I didn't pay I'm wondering how would I have been able to stay at that property until I graduated and I was able to hand in my keys if I owed this company money. As mentioned previously I also had a cosigner in the event I didn't pay they would be responsible or someone would contact them if I didn't make payment. I don't believe it was fully investigated as I just put in the dispute not even a week ago.
Received notice from XXXX that SPS would be taking over out mortgage servicing and to not send a payment after XXXX XXXX ( next payment was due XXXX XXXX XXXX ). We had to wait for the new account to be established to send in the payment to SPS in XXXX 2016, after we received the paperwork on how to manage online account we attempted on XXXX XXXX to register the account ( unknown account number error ) then on XXXX XXXX ( due date ) we attempted again and the " Security code '' that was supposed to be emailed to our email address never arrived, not in spam folder either, attempted under two other email addresses none worked. The phone number we are required to call asked for account number, enter it and we get hung up on ( tried this 6 times on 4 different days ) ; finally requested the code in writing, no response. Now my mortgage payment is sent in 8 days late ( grace period in until XXXX ) by my bank XXXX on the XXXX of each month and cashed by SPS on the XXXX of each month ( XXXX & XXXX ) however, they call me starting on the XXXX and do n't stop until the XXXX for payment stating its late, today the XXXX they called my private cell phone number which I never gave them so how did they get my cell number? And why are they calling when the account is current? When I call the automated line, enter my account number it states my last payment was made XXXX XXXX and my next payment is due XXXX XXXX. I am XXXX and the back and forth to the phone is ridiculous, having access to the online account would be helpful and I have requested they communicate in writing. There is no need for endless phone calls when the bill is paid, I consider this harassment when there is no reason for the calls, really wish I had a choice about this company being involved in my business.
There was an inquiry on my credit report in XXXX 2015 made from Discover company, I called Discover and stated to them that I did not apply for credit nor any goods from this company, This company called me and made an agreement that they will cancel the application and contact the credit bureau and ask them to remove the inquiry. The company discover did send me a letter but it is the fact that why it is taking longer than the usual time frame to contact the credit bureau to ask them to remove the inquiry off my credit report. I contact all XXXX major credit bureaus and the credit bureau that shows the inquiry which is from XXXX stated to me that Discover never did call or open up an send them an email to request to remove the inquiry, XXXX also told me that it never takes no more than a couple of days for a company to email them to ask for the removal of the inquiry. Discover has engaged in fraud and also made an attempt to open a application in my name. A month has passed by and the company Discover still has not agreed to what was been done and that was to ask XXXX in a email to remove the inquiry, There is no way that I can call XXXX and ask them to remove the inquiry the company Discover has to email XXXX and ask them to do it. But as of XXXX/XXXX/2015, XXXX stated that Discover never said anything, So I decided to file a compliant,