WillisBack/dataset-financial-user-claim huggingface dataset:
I had for many years a private student loan with XXXX XXXX XXXX,XXXX. In XXXX 2017 they sold my loan to a company called XXXX XXXX XXXX XXXX, They have a company that handles their payments and collections. That company is XXXX XXXX XXXX, XXXX. They have 2 addresses ; XXXX XXXX XXXX XXXX, XXXX, Wi. XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI. XXXX. E-Mail at XXXX, Web address XXXX XXXX XXXX. Since the sale of my loan I have been receiving a monthly statement that claims that I have a missed or late payment. I do not have a missed or late payment at all, this is a mistake made by XXXX. I have telephoned and e-mailed XXXX every month since they took over my loan trying to straighten this out. XXXX agrees with me that it is a mistake, and I have correspondence from them to back this up, but I am still receiving a late payment statement from them every month plus they are charging me late fee interest on the balance of the loan. I want to file a complaint so that someone can step in and straighten this out for me as it will have a negative effect on my credit score plus they are cheating me out of money in interest and late fees. Thank you
I am receiving calls ( XXXX ) a day from BBVA Compass and have told them on the phone and in writing I am not XXXX XXXX ( my name is XXXX XXXX ) and to please stop the barrage of calls. They clearly do n't believe me and another person may call within hours, most certainly days. I should n't be getting calls all evening and I have an XXXX shift and head to bed early around XXXX. Weekdays, weekends, they do n't believe me and wo n't stop. What do I do?
From XXXX XXXX XXXX : Loan amount : {$28000.00} The lender, XXXX XXXX XXXX XXXX XXXX, the companies couldnt prove was owed. There were false and misleading documents. 

The trusts purchased and securitized my loan, and then sold notes secured by the loan to investors. The trusts have no employees but instead use service providers to interact with consumers about their loans. 

XXXX XXXX XXXX XXXX XXXX is engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. 

XXXX XXXX XXXX XXXX Trusts are fraudulent, lying, and manipulative that use unfair collection tactics and will forge/falsify documents at will to suite their own needs. 

I am please asking that this loan be discharge based on falsifying this loan contract and transferring the information with out my consent and forged my personal information for payments to suit their own needs. 

I am please asking for someone to contact me about this matter asap. 

Thank you.
I CAN NOT RESOLVE THE LAST FEW LATE PAYMENTS ON THE ACCOUNT. I HAD SOME MANY PROBLEMS WITH MY COMPUTER IN XX/XX/XXXX AND MY PAYMENTS WERE GETTING IN LATE AND THE SUGGESTION OF THE SUPERVISOR OF AMERICAN HONDA FINANCE I HAD MADE A PAYMENT ON THEIR WEB SITE AND I WAS APPLIED LATE AND MY CAR WAS TOWED FOR THE LAST PAYMENT NOT RECIEVED OR RECIEVED LATE. THIS COMPANY HAS TREATED ME VERY POORLY, AND BULLIED ME INTO BELIEVEING I DESERVED TO HAVE MY CAR TOWED AND TO PAY THE TOWING COMPANY A FEE FOR A PAYMENT MADE BUT NOT POSTED IN TO THE ACCOUNT. THIS ERROR WAS ENTIRELY HONDA FINANCES FAULT. 
ALL I WOULD LIKE IS TO HAVE THE LATE PAYMENTS REMOVED FROM MY HISTORY. 
I ALSO DONT KNOW WHY THEY WOULD UPDATE MY ACCOUNT IN XX/XX/XXXX AND XX/XX/XXXX, WHEN I HAVE HAD NO PAYMENT OBLIGATION TO HONDA FINANCE, AT THIS RATE I WILL NEVER GET RID OF THIS BAGERING COMPANY FROM MY CREDIT REPORTS. 
PLEASE HELP ME IN REMOVING ALL THIS HISTORY FROM THIS COMPANY ... THIS IS MY RIGHT AS A CONSUMER, I HAVE HAD NO FURTHER BUSINESS WITH THIS COMPANY AND THEY STILL HAVE ACCESS TO DESTROY MY CREDIT ...
I sent a letter to Equifax requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local XXXX clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the XXXX clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
Our Family owns an automotive repair shop in XXXX Florida. We have served this community since the XXXX. My father in law had a loan with XXXX Bank. FDIC focreced BB & T to take on XXXX bank and thus our loan was now with BB & T. Everything was fine and BB & T even approved a 2nd Loan to the business with my father in laws guarantee. 
The economy tanked in XXXX XXXX and my father in law fell behind on the payments. 
In XXXX of XXXX my father in law passed away leaving everything in flux. I have a background in mortgages and specialize in loss-mitigation, so The day he passed away I reached out to the BB & T account manager at the time and his response was " yeah no wonder he had a XXXX XXXX after the news we were giveing him '' alluding to the pending forclosire. We have attempted to negotiate the terms of the loan, request to modify the loan, short-sale the property, requested the original loan documents, and even requested a BK attorney reach out to the bank in order to negotiate in good faith. The bank has been silent with the exception of leving our BB & T accounts on XXXX XXXX XXXX XXXX, putting us in a precarious situutation unable to make payroll and our Accounts payable. 
Since then our attorneys received notice of mandatory mediation secheduled for XXXX/XXXX/XXXX issued through the courts ; BB & T I suppse woke up because in the last two weeks they moved for a motion requesting forclosure decison be completed prior to mediation. 
We have worked tireslessly for the last two years to bring the company back from the edge of bankruptcy and the shop is doing well. We have emplyees and their families we are considering not to mention the lovely hood of a family that has depended on this business for 15 years.
The company is ERC and it is a autodialed recording asking me to call back with a reference number provided. 
According to my financial records and the credit bureaus I owe no outstanding debit for which I am past due. 
My telephone number has been on the no call list for years.. 
The offending tel number is XXXX
XXXX XXXX had a PNC Bank Account since XX/XX/XXXX.

InXX/XX/XXXX XXXX  and I started to see a lot of fraudulent activity on his account.

We tried calling the bank and to no avail was an investigation done, the account was not put on freeze nor was the account closed.

We did dispute the unauthorized transactions but a lot of the transactions were denied or reversed and XXXX  was paying double to triple times for those unauthorized transactions.

In XX/XX/XXXX the bank made a {$400.00} error and never corrected it and stated that they had videos from a convenience store ATM and they had no court order to get those videos.

Plus in XX/XX/XXXX his account was finally closed and now the bank states we owe them {$80.00} and the bank is still putting money into and reversing transactions from his definite closed account!
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not recieving statements becasue i thought that loans were in defferment
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
On XXXX XXXX, 2017 at XXXX XXXX UTC, I initiated a wire transfer of XXXX from XXXX to my bank, XXXX XXXX XXXX. I used the correct information for the wire transfer and included the appropriate memo message as requested by XXXX. I also included the correct account number for the wire transfer.The wire transfer was listed as "completed" on XXXX  after a short period of time (the same day), but the funds have never appeared in my bank account. I called my bank to try to find out if they knew anything about the transfer, but had no record of it.On XXXX I cannot find any pertinent information about the transfer other than the XXXX transfer ID, which is XXXX. I have opened a support ticket with XXXX and have not received a response yet. The Case # is XXXX for the support ticket. I've also sent a message to XXXX  official XXXX account.XXXX and Coinbase have stated that they have a backlog of outgoing transfers and that the transfers will take between 7-10 business days. I haven't received the transfer and have no way of contacting XXXX or Coinbase. In addition to the support ticket, I've called XXXX support phone number and been unable to get in touch with support staff.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows :
My debt went into collections for a vehicle I willfully returned. I have been trying to contact XXXX XXXX XXXX to try to settle the account and clear it up but those attempts have been unsuccessful. I have called my original debtor, XXXX XXXX, and they said they no longer hold my acct and I need to contact XXXX. XXXX provided me with two phone numbers, ( XXXX ) XXXX and ( XXXX ) XXXX. I have tried numerous times and neither number is working. I also tried emailing them via their website and no response to that either. I XXXX   them and they seem to be caught up in some legal issue for running a ponzi scheme or something like that. How can I clear up an account and I can not get in contact with the debt collector. 
I do not have any documentation that I have ever received from them. 
Please advise what I should do next.
I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX XXXX. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. In addition, I recently received a letter from CItibank telling me the following : I recently received a letter from Citibank stating the following : " Our records indicate that your account was credited {$300.00} on XXXX XXXX, XXXX, for meeting the required terms and conditions for Promotion XXXX. There can only be XXXX promotional offer per customer. Since you have already been awarded a promotional incentive, you do not qualify to receive XXXX XXXX Miles for Promotion XXXX. '' However, I never signed up for promotion XXXX. In addition, I specifically opened a CitiGold checking account using the XXXX promotion code. So, I told Citibank to please go ahead and debit the {$300.00} out of my account, and deposit the XXXX XXXX miles into my XXXX XXXX account instead. However, they are refusing to even do that. They are saying that you have to be " targeted '' for any promotion, even though that is not what they told me previously when I spoke to them several times. Furthermore, I was never " targeted '' for the {$300.00} XXXX promotion, so this goes in direct opposition of what they claim. Finally, I spoke with them MULTIPLE times and they verified that I was eligible and had met all the requirements and that the points would be credited to my account within a few weeks. Now, they are changing their minds.
I was in XXXX which I have easily proven - it caused me to fall behind on my accounts. My credit card and ck-ing account were tapped out ; yet, I kept up my payments like clock work. When I mailed a postal money order to my local branch, they much later informed me that their post office box was robbed. Leaving me out $ XXXX, which would have made me in the positive with the ch-ing account and a credit card payment made. I went around in circles with them and the post office over the matter. The post office gave me a form that both me and the bank were supposed to sign in order for the post office to refund the money to me. They apparently refused to corroborate. I can not afford any more games or time in this matter. I will, at this time, submit proving I bought and payed for a money with the banks information placed in the right place and mailed to them in a timely fashion. I 'll also leave my contact information looking forward to hearing from someone soon. I have been a member of this bank before they bought out the other credit union they replaced. The bank is Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX basic number is ( XXXX ) XXXX. The lady who did me dirty is called XXXX. I live at XXXX XXXX XXXX XXXX Ca. XXXX, and my phone number is XXXX XXXX XXXX XXXX. My e-mail is XXXXXXXXXXXX
I was on the rate reduction plan with the company and it was time to renew. I have been paying XXXX but struggling to do so. They asked for both me and the co-borrower information and we submitted it and they said we had a deficit in income so we didn't qualify for plan. Then I asked what does that mean, and they were like higher payment. I was like that is impossible if we have a deficit. They then asked for bank statements. We had recently got some payday loans to try and help make ends meet and make all our payments. Well because they so deposit from those funds they felt like we had income, without even looking at all payments and monthly bills. We submitted documents showing how much those payments were for and they still said they could not reduce payments. We are currently having a hardship and don't understand how an we make a payment if we sent you paystubs and you said we couldn't afford to make a payment. But because they saw loan proceeds to pay our bills that we currently make a payment on, they assumed we have money. They have not been the easiest to work with, and I have been told oh, there are not options for Private loans. We are at risk of losing everything at this point.
In mid-XX/XX/XXXX of last year, XX/XX/2016, I took a cash-out refinance with XXXX. The title company was XXXX. The closing disclosure contained a 'clerical error ' that was caught hours before the loan was to close and long after the signed and notarized documents were received by the Title and Lender. Having been informed at the last minute of this {$1000.00} error, not in my favor, I was forced to sign a revised CD. Now, it turns out that my previous lender, Ditech, did not receive the full payoff amount from the title company. Unbeknownst to me until I pulled my credit report last week, ditech has been reporting me to the credit agencies and levying late fees etc ... I have called and left VM 's and emails, but Ditech is not responding. I need to know how short the payoff amount was and why this happened. I especially need to know where Ditech has been sending my bills and other correspondence. I will ultimately request that they waive any late fees, interest, etc ... that have accrued since the 'payoff ' and that they immediately communicate with the credit agencies to get these negative reports removed. Please contact Ditech and any of the other listed parties that held a fiduciary duty to me as the consumer through that refinance. 

Thank You! 

XXXX
XX/XX/19 @ XXXX i got a call from one of my tax clients XXXX XXXX that she got a call a XXXX at ally financial stating that i used her as reference on my credit application. This statement was false. She stated that she wanted to leave a message for me to call her. This has damaged MY credibility with my clients and put a strain on my business.
The loan was a HELOC with XXXX XXXX made on the XX/XX/XXXX for max. credit Limit of {$20000.00}. Payment had been made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the loan was transfer to XXXX XXXX XXXX. Which I continuing to pay. I have ask / requested a full payment history and a transaction history from XXXX XXXX but this company refuse to mail me a copy for my account. I have request the same information from XXXX ( XXXX XXXX ) but they said they can only provide history from XXXX to now. I am waiting on that information now. 
XXXX refuse to provide any information for my loan.
I Purchased a NEW XXXX XXXX XXXX XXXX with a sunroof and Navigation. Not only do I have the recall for the XXXX XXXX XXXX with no remedy on my car I have XXXX other life threatening recalls with no remedy. When the other recalls were brought to our attention, I knew I was driving an unsafe car that may kill my family. Volkswagen has admitted to circumventing the emissions control system in the United States since XXXX. With their deceptive and fraudulent business practices Volkswagen knowingly sold me a car that was equipped with the illegal defected devices and locked me into a contract under false pretenses. They also deceptively sold me my New XXXX XXXX XXXX With Navigation and XXXX that I used for a down payment on the New XXXX XXXX. The XXXX XXXX also was affected by the recall for the XXXX XXXX XXXX. I put {$15000.00} down on the XXXX. In addition, Volkswagen carried out a cynical fraud on car-buying, by aggressively marketing the non-compliant diesel engines as the product of environmentally-friendly XXXX advanced technology, " XXXX XXXX ''. Volkswagen has admitted that they knew about the XXXX issue before I even bought my car. They have deceived my family and have put us all in danger with no remedy. 
I have contacted the Volkswagen Court Settlement hot line, Volkswagen Credit , & Volkswagen Customer Care. When calling no one was able to give me any kind of answer. Had no idea how what or when will anything ever be done for any of the recalls. The Volkswagen Court Settlement hot line was quick to tell me about the loan forgiveness program they have in place. When I asked them if it were a true " loan forgiveness '' why am I paying off the loan? VW gets my car, all the money I put into both my cars and a clear and free title & then I have nothing. Not one person knew what to say.
I open a American Express XXXX credit card referred by my friend, and I was informed that I have XXXX bonus points ( roughly {$750.00} ) after spending {$3000.00} within three months. 
I finish this welcome bonus task but never receive XXXX bonus points. I request an investigation for this issue inside American Express on XX/XX/2019. 
I was never informed any feedback until I called them again. They told me the investigation was already finished and they found " misuse incentive history ''. 
That means I had similar credit cards before or I closed cards right after receiving welcome bonus, which neither of them is true. 
So I asked for more details to prove this conclusion, but the representative said there is no detail or prove. 
So I believe american express has false advertising for a very long time or they secretly and intentionally stealing money from clients.
I have a couple of hard inquiries that I have been trying to have removed. These inquiries are causing issues with me trying to attain new credit. I would like them removed please. I have called, emailed, and disputed as well as sending this. Please help me with this issue. 

XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
The Law Office of XXXX contacted my work after I specifically asked to not be contacted at office. They also continually contact my personal phone many times in one day. Often back to back calls.
I purchased a New XXXX Dodge Dart from XXXX XXXX. This vehicle was a Lemon and at XXXX miles the Head/Upper Engine Block failed, I took it to be repaired and after attempting to blame me until I verified the Oil I performed my XXXX oil changes with as being appropriate The dealership repaired the vehicle. My confidence in the vehicle was broken and I went online to XXXX to complain. The XXXX company responded via a Public relations spokes person. 
I received a XXXX % employee discount and rebates toward the purchase of the vehicle. 
Unknown to me at the time of purchase the cost of the Lemon was " rolled into '' the cost of the new purchase. 
I am now contracted to pay XXXX on a vehicle appraised at XXXX In addition I testified against the Veterans Administration and gave congressional investigators information. The VA retaliated and my pay was affected. 
I went to work for the Texas Department of Criminal Justice and currently earn XXXX LESS per month. 
This affected my ability to pay my XXXX loan payment monthly. 
After receiving and recording threatening Phone calls from Regional Acceptance Corporation, I asked for a supervisor to speak to me regarding my case. 
The Head of the XXXX office spoke to me and arranged a separate arrangement wherein I paid XXXX per Month to " Catch Up ''. I made Five Payments, those payments were documented as being XXXX with the consumer credit bureaus and the website. It is notable that during this good faith payment attempt, I was purposely mis-documented and reported, a repossession order was claimed and shows up on my credit reports. 
When repercussions of my ongoing retaliation from the VA again affected my Pay, The account was closed and Because I was unable to make more than a good faith payment on one occasion. 
I formed a trust because I am unable to continue making exorbitant payments on a XXXX Dodge Ram of XXXX when the value of the vehicle at its highest possible valuation is XXXX.