WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX i made a large lump sum payment of XXXX towards my mortgage with chase bank. they gave me a loan modification to start paying in XX/XX/XXXX i have asked Chase 2xs to convert my loan to my original terms to start paying my mortgage in XX/XX/XXXXinstead of XX/XX/XXXX. since i made a large payment in XX/XX/XXXX i have called on XX/XX/XXXX they put in a request for this for this a work order. 
i waited to hear from Chase no response, so i called again on, XX/XX/XXXXand i told chase that i wanted a recast of the modification to start paying my mortgage in XX/XX/XXXX not XX/XX/XXXX this time they gave me a Reference # XXXX and they said they would have to recalculate principal and interest i said this is great. and they would put in a work order. as of today XX/XX/XXXX i still  have not heard from chase on this recast of my mortgage loan payment. i want answers why they are not responding and giving me the recast of my loan, and they are ignoring me and discriminating me as well. this response from Chase should only be no more than 3 days to get this amount figured out.
There is a student loan account from XXXX XXXX that is reporting late payments from when I was enrolled in school full time and should have reflected deferred payment, NOT late payments. It's correct that I did settle the account for less then the high balance of {$8400.00} after negotiation with XXXX per my family hardship - but it is NOT correct that I was ever late ; as these payments would have been deferred since I was in college at the XXXX XXXX XXXX in XXXX XXXX Florida.
I called Ally Financial multiple times during XXXX XXXX and XXXX to discuss my account and the impacts of being near XXXX days delinquent. I went online to make a payment, and submitted on XXXX XXXX, so I would not have my credit hurt. Upon going online I found Ally offered no disclosures about payments made on the weekend. Speaking with an agent she noted my account to which I received a call on XXXX XXXX only to be told my account was past due since XXXX 2015. The XXXX agent I spoke with showed my credit file was not updated and I would not be reported as being XXXX days past due since a payment was made. I received notification from XXXX XXXX of new reporting information, which was a delinquency reporting from Ally.
Hello my car parked and was totaled by a hit and run whiles parked. On XX/XX/2017. On XX/XX/2017 a payment was made to Toyota Financial services in the amount of {$10000.00} there was a balance of {$3900.00}. I had gap insurance to pay the balance. Which they did but they didnt pay it till mid XX/XX/XXXX. I had purchased a new vehicle in XX/XX/XXXX. I feel it is unfair that my credit Has to suffer with late notices because the gap insurance took so long to pay the balance. They knew I had gap insurance and that they would pay the balance. Plus they already received over a {$10000.00} payment I dont see why a hold was not placed on the account giving time for the gap insurance to pay the balance. I think it is unfair because why should I continue to pay for a car I no longer am driving and that my gap insurance will be paying the balance that makes no sense to me.
On XX/XX/18, I listened to a voicemail on my cell from this company that was left the day before. I have no idea who they are nor what " debt '' I owe to them. 
Therefore, they have NEVER verified anything by me ... 
The voicemail left yesterday was, " " This is Escalate, a debt collector. Return our call at XXXX '' *violation* insinuating a DEBT owed on my voicemail with OUT verifying they were leaving message for the correct party. 
I attempted to call this morning, XX/XX/18 @ XXXX ( within legal time of business hours ) and had to go through automated steps, 1 of which was entering in the last 4 digits of my son. I did so and recording stated, " we have found your debt ''. Then the recording said to call back during normal business hours ... .. 
***I have been in the collection industry for over 24 years and it makes me sick how these collection agencies think they can get away with violating the Federal Laws!
As of XX/XX/XXXX, Gateway One requested an inquiree on my report for no reason and without my authorization. I applied for an auto loan with this company XX/XX/XXXX. There should be no reason that my report should be pulled by this company 2x 's.
Requested a deferment and never received anything back at all after several attempts. It is now reporting negatively on my credit report.
In XX/XX/XXXX Navient prevented me from receiving a lower rate. When the interested rates were changing refused to release my loan information to the lender from the government who promised to lower my loan. I am not XXXX in debt. One loan was XXXX it is now over XXXX
I have unauthorized inquiries reporting on my Experian Credit report. The unauthorized inquiries are from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.
I recently found out that I have a Capitol One card on my credit report. 

I also got a XXXX that I never signed up I contacted them and they did n't want to provide me with a contract, receipt etc. 

A credit card from XXXX and XXXX I do n't remember the rest I found this info out because I applied for a car loan and found out my credit score is XXXX. 

I used to be a XXXX, the company I leased the XXXX from XXXX out of XXXX and after 6months ended up buying it with the help of XXXX they were to get me approved for {$24000.00}, long story short the XXXX company I used to work for did n't agree with how XXXX registered the XXXX and they fired me and told me I 'm XXXX and an XXXX and threatened to report me as if i owe them money to my credid report, which is ridiculous. Company is called XXXX XXXX ( dealer & service ) & XXXX XXXX XXXX from XXXX the owner of the company are XXXX. I do n't know for sure if they reported anything false on my credit but would like to find out.
To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XXXX of 2018 we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the birth of our XXXX  child in 4 years ( ages XXXX, XXXX, and XXXX  months ). Our newest child was born on XX/XX/18 XXXX XXXX ( joint account holder ) was on FMLA XXXX  leave for 12 weeks XXXX and I was on FMLA XXXX leave for the month of XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues. 

We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new  truck. 

In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as reported on our three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request  your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. I have tried calling and speaking with someone at your customer service department but they have been very rude and careless about my situation. 

Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )
I requested free credit reports through the site annualcreditreport.com on  XXXX / XXXX /  XXXX  .  XXXX  of the companies provided the report. Equifax did not provide the report. They told me to download a form to fill out and mail in. I called them on the phone and could n't speak to anyone. My friend said this happened to her both times she requested her report in the l ast two yea rs. This is my first time requesting a report. A quick search for complaints about Equifax shows we 're not alone. This is obviously standard procedure for Equifax to force people to buy a report when they ca n't access their free report. I refuse to be victimized by a company in long term blatant violation of the law. Please investigate and correct.
I applied for a payday loan at XXXX XXXX loan company. The representative was fraudulent and told me I was not approved and kept the money plus turned me over to a collection agency.
I have attached a file below proof of the case with common pleas court that i won a law suit against XXXX XXXX for XXXX and settlement to arise out of the purchase this settlement was confirmed by Judge XXXX XXXX. Case number XXXX i won a lawsuit against XXXX XXXX  for Dealership fraud of over charging me. Please remove this loan from our credit reports or i will take this to the Ohio Attorney General XXXX XXXX. If this is not removed within 15 business days i will exercise my rights to XXXX XXXX. This is all due to auto fraud and lemon car from XXXX XXXX. I have an open pending case with the ohio attorney general if this is not taken care of XXXX  had told me to file another complaint and if it is denied he will be taking over.
was notified of a collection added to my XXXX report from a company called XXXX XXXX XXXX today XX/XX/XXXX for a check n go account. This is from XXXX and was filed and discharged under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on XXXX and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these violations
Short sale and Foreclosure conflicts - in early XXXX 2015, I spoke with XXXX XXXX or another bank individual regarding my home loan. I requested to go forward with short sale proceedings. While I was informed by the bank that the loan was in foreclosure, no action had been taken. Well, over the weekend I received a notification from XXXX XXXX. XXXX in XXXX, VA and learned that my loan was referred to their offices on XXXX XXXX, 2015 for foreclosure. The letter from the attorney also states by law I am not allowed to stay in the property unless conditions are met. It is evident Bank of America - did not cancel the foreclosure proceedings once I agreed to a short sale. 
An appraiser came to my home in early XXXX 2015 for what I thought was a part of the short sale process - now I believe it was ordered by the bank for foreclosure. Since my request to go forward with a short sale - I have had XXXX different Customer Service Relation Managers : XXXX XXXX, XXXX XXXX, and now XXXX XXXX, however, the call goes straight to voicemail. She sent me emails with information that is no longer valid ( see enclosed ). When I was finally able to log into the short sale system - she had already declined my request. Much of the documentation in the welcome package requires information regarding a realtor. It was not until last week, that I was able to obtain any interested realtors as this is not their first choice of home selling. I am requesting that I be allowed to short sale my home for financial and creditworthy purposes - that Bank of America cancel the foreclosure proceedings, and keep me constant with one Customer Relationship Manager.
We were finalizing a trip to XXXX and purchasing theme park tickets on XXXX. The total was for {$1900.00} and while checking out, it asked if we wanted to apply for the XXXX card by Chase, upon approval we would receive {$200.00} statement credit, plus the XXXX vacation would be placed on 6 months special financing. So we decided to apply and got instant approval and placed the XXXX vacation on the Chase XXXX Credit card ( even if you do n't have the card with you, instant approvals are allowed to use their new accounts on XXXX ). When we received our bill, we were charged interest on that transaction. When I called in, Chase stated that my purchase did not qualify because it had to be booked as a " package '' through a XXXX travel agent. If it needed to be booked by a XXXX travel agent instead of XXXX, they should not have advertised that promotion on XXXX
I have been a Ruch Card holder for over 4 yrs. I am not able to get my money for over 2 weeks. My bill have fell behind and I am about to be evicted from my apt . I am at my witts end on what to do. Please help me get my money off my RushCard. 
XXXX XXXX Worried
Id like to take issue with BBVA bank on their over draft fee policies. On XXXX XXXX XXXX I had {$44.00} in my account, I made a purchase of {$10.00}. On the XXXX I had {$33.00} and made a purchase of {$10.00}. On XXXX/XXXX/XXXX I made a purchase of {$7.00} bringing my account to {$26.00} but had a pending transaction of {$62.00} which would bring my account to - {$35.00} and an added {$38.00} for overages. Logically the transactions would be processed in the order made regardless of my {$62.00} pending transaction however I was charged overdraft fees 4x. 

I spoke with a representative at BBVA in their disputes dept on XXXX/XXXX/XXXX at approx XXXX est, and they said that the account had the pending {$62.00} dollar charge and because my balance was less than {$62.00} I had $ XXXX in my account at the time the first transactions were made which means that I would be charged {$110.00} in overdraft fees. I believe that this bank deliberately reorders transactions in order to jack up overage fees!
On XX/XX/2018, I made an online payment from my Chase account to my XXXX XXXX ( a transaction that I've made monthly for over a year ) for the amount of {$3600.00}. After several days of not posting on my XXXX XXXX account, I contacted Chase and XXXX to determine what was happening. Chase informed me that they have proof of payment, the funds were electronically withdrawn from my account, transferred electronically to XXXX XXXX and were withdrawn by XXXX XXXX. I also went online and saw the proof of payment document confirming what Chase reported. 
However, XXXX XXXX states that they have no evidence of the electronic payment and that they do not accept electronic payments, Chase is supposed to send XXXX XXXX a paper check for the amount. This was news to Chase when I informed them of this ( XXXX XXXX has never informed them of this and if it was the case, XXXX XXXX should have rejected the payment ), and they noted that all of my payment electronic transaction from Chase to XXXX XXXX in the past were made via electronic transfer. 
Chase is in the process of mailing the proof of payment document to XXXX XXXX to show that XXXX XXXX in fact did accept and withdraw the funds. 
I am very concerned that this is going to become an issue with neither institution accepting responsibility. 
Also, I made a second payment to completely pay off my card for {$17.00} and it is having the same issues. Chase is also in the process of mailing this as well.
This debt was disputed and removed from my credit report when it was reported by another collection agency. Apparently it was sold to a different collection agency and has reappeared on my credit report. Not sure why another Collection agency is now reporting this false debt. I had disputed the debt directly with the previous collection agency and they had removed the item from my credit reports. Now a new company XXXX XXXX XXXX is reporting the same debt. This seems like a way to keep this item on my credit reports for a longer amount of time even though the debt is not mine.
Midland Funding put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Midland Funding also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If Midland Funding is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX. 
Within the XXXX reports I received, are tradelines from PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ). On XXXX XXXX, 2015, I sent to PRA via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt PRA has reported to XXXX and XXXX, and possibly to XXXX. My Request to PRA was received on XXXX XXXX, 2015. 
In my Request to PRA, I requested specific documentation be provided to me within 30 calendar days. The documentation I requested would, if provided, prove : 1 ) the debt PRA has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to PRA. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt PRA has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to PRA. 
On XXXX XXXX, 2015, ( 30+ calendar days after XXXX XXXX, 2015 ), in response to PRA 's failure/refusal to respond to my Request, I sent a letter to PRA , via certified mail, return receipt. Therein that letter, I informed PRA that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by PRA, and, as such, PRA is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt PRA claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed PRA that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with PRA. On XXXX XXXX, 2015, I contacted Experian via telephone making a dispute therewith, against PRA. On XXXX XXXX, 2015, I made disputes with Equifax and TransUnion against PRA via their online dispute submission form. To date, PRA has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by PRA has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition.
These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past.
XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXXXXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving Negative XX/XX/XXXX These two accounts are the same and should not be posted twice to my report.
XXXX XXXX XXXX  XXXX XXXX - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX This account below is more than 10 years old.
XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX
I had several deferred loan modifications with   XXXX   XXXX   XXXX  . Between the years of   XXXX   and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In   XXXX   I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.
Unauthorized hard inquiries from XXXX XXXX, OneMain, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
I filed chapter XXXX in XX/XX/XXXX. Unbeknownst to me at the time, I was not required to make any student loan payments outside of my bankruptcy as it was not included in my schedules. I was in school at the time of filing so was not required to pay. I became delinquent in XX/XX/XXXX, but again I should have not been in a repayment status due to the chapter XXXX. I have contacted XXXX 3 times in regards to this matter and they reply that I applied for forbearance after the delinquency, ignoring the fact that I should not have been in repayment at that time.
I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES XXXX TRANSUNION AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXX payment .IT WAS PAID XXXX 9,2017 check the records
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dear Creditor, On XX/XX/XXXX I have a hard inquiry on my credit report from your company and I did not authorize this inquiry and request that you please remove it immediately. 

On this day I entered the XXXX XXXX XXXX dealership to purchase a vehicle and was not aware that my information was run through to multiple creditors and you are one of them. 

I did not sign anything with your company nor did I authorize you to place a hard inquiry and request that it is removed. 

Thank you XXXX XXXX