WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I reluctantly opened a XXXX XXXX  XXXX XXXX XXXX XXXX mastercard after being highly pressured by XXXX XXXX   customer service at the time I was signing up for club membership. I refused the card several times but after continued pressure and being advised that I would have better club benefits and a {$5000.00} immediate credit limit I accepted the card against my better judgement. The entire transaction took less than 10 minutes, I was given an instant approval and sent a card in the mail. 

I used this card, made my payments early, as I do with all of my credit cards and after less than 2 months my card was declined. I called customer service who were incredibly unhelpful and was told that they had decided to close my account and could do so at any time. I was deceptively offered a credit account, used sone of it, then had it taken away almost immediately when I did nothing wrong causing my family and I hardship. This will negatively impact my credit score and I believe this practice to be deceptive, unethical, and predatory.
Greentree Servicing harassed myself and my family via our home phone by calling multiple times per day every day between the hours of XXXX and XXXX. I was afraid to answer my phone and eventually disconnected my answering machine due to the harassment. Also, we applied for loan modification and restructure and for many months GreenTree kept insisting on more bank statements and would not make a decision. Also, when I would try to pay by phone, they made me pay a service charge for the payment not to be considered late.
I have a loan with Delbert Services/ XXXX which I pay every month on time my complaint is that they are aware of my pay dates yet they call my cell phone XXXX times a day starting the XXXX of the month. I have asked them to not call me until after the XXXX which is my payday. They say the only way they will do that is if I set up automatic withdraws which I do not wish to do. All I asked was for them to not call XXXX times per day, they also do not leave any messages when they call.
My student loan company Navient has scheduled an increase on my repayment plan to XXXX as of XXXX/XXXX/XXXX that i did not authorize that was once before XXXX which i started to payment XXXX/XXXX/XXXX. When i spoke to Representative he said the plan i was end only last 2 years, notice i been in this plan for 4 years now.
I have enrolled in a debt consolidation program I was told by the agency to advise all my creditors of what I 'm doing I gave all the contact information As Told to the problem is that XXXX of XXXX XXXX nc is harassing me continue calling me and threatening to sue I have told them several times and I involved in the debt repair agency and I 'm doing what I was told by the debt agency but yet they continue to harass me and threaten me
On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
GOLD CAR LENDING {$4300.00} the car was returned inXX/XX/2017 the car was sold they accepted the car back and have the car and have sold the car to also any balance left should not be reported on my credit and needs to be removed
Navient made it impossible to lower my monthly payments and charged outrageously high interest rates while my loan was on forbearance, also I 'm bring charged for two loans when I only accepted one and they have not assisted in finding out where the second loan came from
This is not my debt. This company is trying to collect a debt for a company that I have never done business with. They call me 3 to 4 times a day, while I am at work. I have asked them to stop more than once. They call from numbers that have the same prefix, just the last four are different, every single time. It is ridiculous. They can not provide proof that this is owed by me, which shows that it is not me, but they still will not stop calling. It has turned to harassment and it needs to stop. The company name is Diversified Consultants. When you look up the phone numbers though, they are all in individuals names. It shows that they are fraudulent. There are no contracts, paperwork, etc., to make their claim plausible.
I received a letter stating that I may qualify for student loan consolidation and even some possible loan forgiveness. The letter seemed as if it were from the government which is why I called them. I called and they said I did qualify for loan consolidation but in order to get me into the program I must pay a certain percentage of what I owe. After telling them I did not have that amount they said I could do just 2 payments of {$400.00}. I was hesitant at first but then said ok. I gave them my information, including social, occupation, income, credit card number ( for the payment ), etc. Now after doing some research, it turns out I could 've enrolled in such a program without paying and now I am worried that I may have given my personal information to scammers.
My American Express credit card was jeopardized on XXXX/XXXX/XXXX, i called them the next day but nothing was done somebody used my credit card I had the credit card in my possession but XXXX did not do anything to investigate until I called them again on XXXX/XXXX/XXXX, 11 days later and my other credit cards were also were hacked why didnt do any investigation and credit my account XXXX, fraud is serious matter and American Express didnt do anything.
Repeated calls, a lot outside of XXXX - XXXX. They use abusive language, and threatened to take legal action.
Diversified Consultants , Inc have consistently harassed me to succumb to paying a debt that I do not owe nor have any responsibilities to. They persistently report on my credit profile an account which other credit collection agencies in the past deemed erroneous and a mistake and have appropriately deleted and corrected with the XXXX major credit bureaus in my favour. 

This aggressive collection account which has been placed on my credit profile is hindering and encumbering my ability to secure any measurable employment. 

Sincerely, XXXX XXXX
On XX/XX/2018 I disputed an item with Equifax via verified letter which included a Dispute Letter and a copy of the Disputed item ( XXXX XXXX Account ). I stipulated that : According to the FCRA, Section 611,  paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of said furnisher, if reasonably available ... '' Please note, a tird party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6_ ( B ) ( iii ). I demand direct, not third-party, proof according to the FCRA, section 611, paragraph ( 6 ) ( B ) ( iii ). Please provide me with : the Name of the Person you spoke with who identified the account ; an original Consumer Contract with my Signature on it ; the Telephone Number of the person who verified this account ; and the Documentation Used to Verify the dispute. On XX/XX/2018 I received a letter from Equifax that said my account had been " UPDATED '' but Equifax did not include any of the information that I requested, and due, as per the law. 

I then sent Experian another second certified letter ( mailed on XX/XX/2018 ) again demanding that : according to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), I was specifically requesting that " they provide me with : 1, the Name of the Person they spoke with who verified the account ; 2. an original Consumer Contract with my Signature on it ; 3. the Telephone Number of the person who verified the account ; and 4. the Documentation used to Verify the dispute. YOU HAVE NOT PROVIDED ME WITH THIS INFORMATION WHICH IS GROUNDS FOR DELETION. Under the FCRA, unverified accounts MUST BE REMOVED and if you are unable to provide me a copy of verifiable proof as per my request above and as per the law, you must remove the disputed account. If you do not provide me with the above mentioned information to verify your investigation results as required by law, I will file a complaint with the FTC and the Consumer Financial Protection Bureau. '' I received a second letter from Equifax, dated XX/XX/2018, stating that their reinvestigation of the results had been " UPDATED '' ; yet none of the required verification information was provided. 

I am requesting your assistance is putting an end to this matter and their blatant violation of my rights. I have already contacted the FTC and I am now contacting your organization because my rights have been violated and I want the said referenced account to be permanently removed as is my right under the law. 

Thank you for your assistance, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX
RE : Mortgage Refinance Loan Wrongful Denial.
I applied for a Loan with Bank Of The West ( BOTW ), on XX/XX/XXXX. This Loan application was Wrongfully Denied on XX/XX/XXXX. I will provide several reasons why ( XXXX XXXX appraisal ) appraisal on XXXX XXXX XXXX XXXX.
XXXX, CO XXXX, should have appraised for {$500.00} or more than the appraised {$96000.00} value and why I feel this loan was Wrongfully Denied. I will provide an explanation with documentation why ( XXXX appraisal ) appraised {$96000.00} value on ( XXXX XXXX XXXX XXXX. XXXX, CO XXXX ) should have been enough to qualify loan for 4 % interest. Balance on XX/XX/XXXX is actually {$540.00} less than the balance on transaction history in ( XXXX ) Enclosure, page 3. I received the first copy of ( XXXX XXXX appraisal ) " Date of Signature and Report XX/XX/XXXX '' in the mail from BOTW on XX/XX/XXXX stating appraised value of {$96000.00}. I noticed statement in this 1st copy of appraisal claiming that the ( Cost Approach Value ) of {$99000.00} supports the ( Sales Approach Value ) of {$96000.00}. I made a complaint to XXXX XXXX on XX/XX/XXXX about the appraisal stating : My '' Garage/Carport is listed as 405 Sq Ft at {$37.00} Sq Ft equaling {$14000.00}.
My '' Garage/Carport is actually 1,152 Sq Ft at {$37.00} Sq Ft equals {$42000.00}.
I received the second copy of ( XXXX XXXX appraisal ) " Date of Signature and Report XX/XX/XXXX '' via BOTW online portal.
This appraisal has a {$27000.00} correction that increased the ( Cost Approach Value ) {$17000.00} on appraisal.
Appraiser and XXXX XXXX insist this {$17000.00} increase to the ( Cost Approach Value ) to {$110000.00} still supports the ( Sales Approach Value ) of {$96000.00} and does not change appraised value of {$96000.00}.
( XXXX XXXX appraisal ) enclosure - page 12, ADDENDUM, FINAL RECONCILIATION I disagree with XXXX XXXX  statement. The ( Cost Approach to Value ) of {$110000.00} supports an Appraised value much higher than {$96.00}.
I DO NOT consider the " effective age '' of my property " similar '' when my home 's " effective age '' is 19 years newer than Comparable 2.
There should be a {$4000.00} credit on Comparable 2 " Actual Age '' column, due to my property being 20 years newer than Comparable 2.
The incorrect statement of six ( 6 ) rooms above grade on the ( XXXX XXXX appraisal ) is a deduction that should have been credited to my property on the ( XXXX XXXX appraisal ). There for increasing the property 's value.
The driveway actually being CONCRETE should increase property value a minumum of {$500.00}.
Total Principle paid on balance after Loan application date of XX/XX/XXXX prior to Loan Denial is {$620.00}. There by reducing the amount the property needs to appraise for by {$620.00}.
Appraisal of {$96.00} should have been enough to qualify for {$73000.00} loan at 4 % interest proposed.
This Loan application was Wrongfully Denied!
THANK YOU,
Roundpoint Mortgage Servicing I submitted my Loan modification application with all proper documentation on X/XX/2017. The company kept saying they did n't receive it or it wasnt complete. During that time they even removed my application and said I had to start over. I resubmitted 13 times and made hundreds of calls over the past few months. They finally said my application was complete on XX/XX/2017. I am awaiting their response now. I believe my application should have been fast tracked and I still have to wait.
I am a service connected, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the XXXX XXXX XXXX has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.
I regularly check my XXXX and XXXX credit reports on XXXX. Recent check have discovered a collection placed by a company called Midwest Recovery Services for a payday loan from XXXX. Upon further inspection it appears the payday loan company is a scam. I have NEVER applied for nor received a payday loan from this company. I was also never notified of an attempt to collect this debt by Midwest except when it showed up on my report. I have submitted a Debt Validation letter via certified mail with no reply.
I received an initial notice from  MCA Superior Collections  dated   XXXX     advising me I had 15 days to respond before derogatory credit reporting was done. Nowhere on the notice did MCA indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated   XXXX   ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns are n't addressed expeditiously!
My student loan company, Navient, recently changed the terms of my agreement to extend my loans to XXXX with about {$7000.00} more in interest charges. This was done without my consent and I believe it is because I have been paying the loans down early and thus reducing the amount of interest they were earning off of me. I have been paying the standard payment of {$250.00} a month since XXXX, plus any extra I can afford. Because of this, I had reduced my principle so that I only have XXXX years of repayments left as of XXXX, XXXX. According to my calculations, during this time I would have paid approximately {$2700.00} in interest. I received a letter on XXXX/XXXX/XXXX stating that the terms of my loan had changed and my new monthly payment will be {$130.00}, which will be paid off on XXXX/XXXX/XXXX with a total of {$9500.00} of interest.
The lender was provided our third part authorization XX/XX/XXXX - we have spoken to the lender hundreds of times since then and was provided a loan history report by a rep on XX/XX/XXXX and on XX/XX/XXXX we were advised that our TPA is no longer valid and that the client needed to provide authorization to the lender for them to speak to us on the clients behalf - The lender is in violation of the clients right to counsel - XXXX XXXX has not required this on any other loan that our firm handles for their clients - More than XXXX files to be exact. We feel the lender is delaying the request for assistance and not willing to assist the client due to making this unacceptable request to assist the client with saving their home.
1. The lender (   XXXX   XXXX   ) re ceives notice from  XXXX  Police Department that my vehicle is being held in the impo und.   (  XX/XX/XXXX  ) 2. The l ender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early  if ... ( e ) the ve hicle is seized by any local, state, or federal government or authority.  '' (    XX/XX/XXXX  ) 3.   Repo ssession agenc y (   XXXX   XXXX , state license  XXXX   )  sent letter to me notifying me of " my right to retrieve my personal effects or other propert y. '  ' (  XX/XX/XXXX  ) 4. Lender sent me " Notice After Repossession. '' (  XX/XX/XXXX  ) 5. Lender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession. '' (  XX/XX/XXXX  ) Pulled c  r edit reports from the  XXXX  credit bureaus  (  XX/XX/XXXX  ) 6. Dis puted the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks fr om  XX/XX/XXXX  to  XX/XX/XXXX  dele ted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit bureau s. (  XX/XX/XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal law 15 USC 1681i ( Procedure in case of disputed accuracy ), and hung up while I was talking. (  XX/XX/XXXX  )
GM financial 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.

They have also violated v eCFR 12 CFR 1022 by refusing to speak to us after receiving our Third-Party Authorization Form
Accounts were removed in XXXX XXXX and equifax began re-reporting accounts after removal. Accounts were removed in XXXX XXXX and reinserted in XXXX XXXX. 1. Accounts were paid before being sent to collections. 2. Accounts were removed 3. Accounts are past the statue of limitations on which it can be reported. Please remove accounts from my credit file ASAP. Accounts needing to be removed are commonwealth financial services {$730.00} {$76.00}
I recently purchased an item on Ebay and as with most purchases, had to pay with Pay Pal. I hit the button to go to Pay Pal, completed what I thought was the information to get into my account, which I use infrequently and completed my transaction. Yesterday I received a notice from PayPal Credit welcoming me to PayPal Credit and informing me that I owed them {$89.00} for my purchase. I called the number on the form letter and was told that I had signed up for PayPay Credit during my transaction. I told the gentleman that I wanted the account closed immediately and there was very little push back from the person. My sense, frankly, was that I was not the first person to have been deceived in the process of trying to get to my PayPal account.
XXXX XXXX XXXX is listed on my credit for {$1600.00} for a XXXX XXXX account. Back in 2013 I was a victim of identity theft. I have called and wrote numerous letter stating this account was opened without my permission, asking for assistance on how I can get this removed. My identity was stolen back in 2013, and this account was opened. I have sent validation letters, good will letters and also I sent in my police report to this company with a response to nothing. This company has called me several times about the debt as well.
I opened a Home Depot credit card through CITI bank. Home Depot says they provide " everyday financing on purchases over {$290.00} 6 months no interest ''. After opening the account, Home Depot/CITI sent me a 10 % discount coupon. On XX/XX/XXXX, I made a purchase on my Home Depot CITI card for {$1100.00} and I used the coupon. No where on the coupon does it say that you don't receive 6 month financing if you use the coupon, and no where on the " everyday financing '' emails does it say a purchase doesn't qualify for financing if you use a coupon. 

I called CITI and requested that they allow 6 month no-interest financing on the purchase butthey said they won't budge.I asked them to point me to the terms on the coupon or the financing promotion that says " no financing if you use a coupon '' but the representative could not. I opened the account for the purpose of the financing and I used the coupon which was given to me by Home Depot/CITI after opening the account. This practice is a fraudulent trap, to give someone the coupon after opening a " no interest financing credit line '' and disallowing the financing if you use the coupon they just gave you.
I get paid every other Friday. I checked my bank account on XXXX XXXX ( Thursday ) at about XXXX XXXX and my account was positive. I woke up on Friday after getting paid and I had {$210.00} overdraft fees. I called and spoke to customer service the next morning and explained the situation and XXXX from Regions told me that a check cleared on the XXXX. I explained to her that when I checked my account at XXXX XXXX that it was in the positive and why did I get so many OD fees? She could not give me a time that it cleared. I went the local Branch of Regions and spoke to the Branch manager and he said that he would have to send the situation to his regional manager and get back to me. I called back a couple days later and he said that a check cleared on the XXXX but he too could not give me a time when it cleared and said they could not give me any of the OD fees back. He said that they have a XXXX in a lifetime forgiveness policy and could not help me. I called channel XXXX news cause of his demeanor and the way XXXX treated me on the phone and XXXX from Channel XXXX gave me this link to contact to send a complaint.
XX/XX/XXXX my car was in an accident and the car was totaled out on XX/XX/XXXX and the leasing company Auto Trakk was paid XX/XX/XXXX. The company Is stilling reporting the account open and said they are not closing the account because {$500.00} deductible for the insurance. The company is not reporting accurate info on my credit report
On XXXX XXXX I checked my credit report and all inquires were deleted. As of XXXX XXXX I checked back and now they 're replaced back on my credit report which has brought score down significantly.