WillisBack/dataset-financial-user-claim huggingface dataset:
I took my car to XXXX XXXX on XXXX/XXXX/2016. I have a brand new car that I just had to have repaired by XXXX XXXX XXXX for an accident I was in. The entire passenger side was replaced, windows included. I observed the man who claimed to be the business owner, XXXX, cutting the tints while placing them on my exterior passenger side windows. He was also on the phone the ENTIRE TIME he was cutting and placing the tints, and not paying attention to what he was doing. After the work was completed, his coworker came in and asked me how I would be paying. They did n't even attempt to let me inspect their work before asking for payment. Then when I went out to look at my car, his coworker said to me, " OK but before you look, I have to tell you something about your car. '' And then I said " Tell me what? '' When I walked around the car and inspected the job I understood what he had to tell me. There were deep cuts in the exterior glass of my passenger side windows from him leaning on them and cutting the tint. He also did not measure the tint properly and there are gaps in between the tint and the top of the back windows. When I proceeded to express my concern with this, XXXX became belligerent and denied all accountability for the damage he caused, saying the scratches must have been caused by " SAND. '' Sand and dirt do n't cause deep scratches in glass, surface scratches maybe. Also, I had just had my entire passenger side replaced. He cursed, yelled and then proceed to, RIP THE TINT OFF MY DRIVER SIDE WINDOW WITH HIS BARE HANDS. Not only did he damage my car, but he then RIPPED THE WORK HE DID OFF OF IT WITH HIS BARE HANDS. I told him to get away from my car and called the police. When the police arrived the officer gave me XXXX options, either pay for the service, even though XXXX had ripped the tint off my vehicle, or go to jail. I was literally forced to pay for a service that was not completed on my car, and told the officer I was not going to pay for it, and if he forced me to do so under the treat of arrest that I would be notifying my bank immediately and filing a dispute. I called my back as soon as I left the tinting company and they said as soon as it posted to call back and I would have no issue disputing this unauthorized charge. The dispute representative who handled my case told me he could do nothing about it and did n't even want to attempt to dispute the transaction. He reluctantly did but it was after I had to literally argue with him on the phone about my rights as a consumer. No correspondence was sent to me thereafter other than the bank sending me a letter saying my dispute had been resolved and that the provisional credit they placed on my account would be removed on XXXX XXXX, 2016. I called my bank yesterday XXXX XXXX, 2016, and they said the dispute was closed and there was nothing the bank could do about it, and that I needed to continue pursuing it through the XXXX, and my FTC complaint because they would not go further with it.
Credit Acceptance Corporation funded and servicing a joint account that was produced at XXXX XXXX XXXX in the amount of XXXX after we left the dealership on XX/XX/2016. Credit Acceptance Corporation was notified of the incident and failed to investigate. Credit Acceptance Corporation stated due to pending litigation they will not respond ; and continue taking unauthorized payments from a XXXX XXXX in XXXX Maryland
My mortgage company informed me of a balance of XXXX + fees on my mature loan XX/XX/XXXX. I have had contact every week with Ocwen since XX/XX/XXXX.Litton Loan turned my loan over to Ocwen XX/XX/XXXX.Ocwen is pushing for me to Modify loan without explaining fees and balance. I requested and received a payment history with dates and figures scattered out of chronological order-XXXX pages to be exact. I color coded dates/figures to find out why Litton and Ocwen has charged me late fees during forbearance agreements that they set up. I thought HUD was my protection against any agreement to charge fees that was not written? There are at least 3 years worth of forbearance agreements with late fees for each month consecutively. In addition, an average of XXXX lockbox fees are on each of the XXXX pages, plus prior servicing fees that no one can explain. My case is now being looked at by Ocwens research dept. Did Litton set me up to accumulate fees on purpose? Are there systems that out of date that a mistake was over look? Ocwen had their Ombudsman look at my initial concerns and said there was no errors found. Basically, XXXX XXXX Office of the Consumer Ombudsman sent a copy of my original loan plus a modification packet for me to modify loan. To date Ocwen will not take any monies except for the amount I mentioned. Do I have any HUD protection?
Convergent Outsourcing make XXXX inquiries on my XXXX credit report. Unauthorized, without any notice of debt, or verification of debt. Convergent gave my information to other companies.
Experien credit reporting agency failed to update my credit score in the past 6 months. They failed to update credit report in past six months per consumer request as well. The law reads non compliance is a - {$1000.00}. Fine. RSVP- thank you.
Experian has fraudulent information listed on my credit file from XXXX XXXX XXXX XXXX Numerous attempts to dispute this Inaccurate and Unverifiable information have been made with no remedy. Supporting documentation will be sent via U.S. Mail
A lady named XXXX XXXX, working for a company called XXXX contacted my neighbor. My neighbor said she must have just searched for numbers belonging to people in our neighborhood because she did not know her name but asked if she lived in our subdivision which she named and then she asked her if she knew me in the neighborhood. My neighbor said not knowing if it was an emergency she said yes she is my neighbor. At this point XXXX proceeded to tell her she and I were business partners doing business together and that she had n't talked to me in a while and the number she had for me no longer worked. She asked my number if she had my number and when she was not able to get that information she gave her a number for me to contact. I do not know any of my neighbors like that and I only know this ladies name and her mines because we introduced ourselves to XXXX another. This was completely out of line and illegal and I would like to do whatever I can legally to make sure this does not happen ever again. The number she gave my neighbor is XXXX XXXX.
The mortgage company has PMI on the loan. I have reached my Loan to Value of 75 % and the mortgage company is looking to force my into paying for another appraisal. I already have a licensed appraisal
The hospital reported a debt I have paid to the credit bureau. I have a copy of the check which the hospital cashed on XX/XX/2016. This hospital uses XXXX XXXX for in house work then bills from the hospital ; it, the account # starting with XXXX tells it from the XXXX. I have a copy of the paid bill I will submit.
Hello, I received a targeted mailer in the mail ( See enclosed attached Pic # 1 ). I opened a Citigold Checking Account with that promotion ( See enclosed attached pic # 2 for promo disclosure ) for XXXX AAdvantage Miles after spending {$1000.00} on the debit card and completing XXXX bill pays in 2 consecutive months. The promotion code was XXXX. I called Citigold Customer Support and confirmed that I was eligible for the promotion before opening the account, and then after opening the account I confirmed that my account was eligible for the promotion. After completing the requirements, I contacted Citigold through a secure chat and confirmed that I had completed the requirements and that the miles would be posting to my account ( See enclosed attached pic # 3 ). The rep responding confirming that I have met the requirement in detail ( See enclosed attached Pic # 4 ) and said I will be getting my miles 90 days ( XXXX/XXXX/2016 ). After XXXX XXXX came and went, I contact Citi again to ask when the miles would post. They placed an inquiry request on my account to look into it, and I was then notified that my account was not targeted and I would not be receiving the promised miles ( See enclosed attached Pic # XXXX ). I believe Citi should honor the promotion they promised, since I was targeted, confirmed with Citi that I will be receiving the miles, then did n't. This was a very frustrating and harrowing experience for me, and Citi should remedy this.
I was a victim of identity theft, and for the second time im receiving a negative consumer report, in which I disputed the false allegations once before and I will be disputing this report again because it was not me, I was never put in such a criminal situation. I was able to get a position at the same company in question, and they also had a background check done and I disputed it and I was able to work with the impression that the negative report was removed from my name. I need it to finally be removed.
I opened a Citibank Citigold Checking account in response to a promotional offer. The offer required two consecutive monthly bill payments and {$1000.00} in purchases. In exchange, I was promised XXXX XXXX XXXX miles deposited into my frequent flyer account. I confirmed the promotion was attached to my account, then after completing the actions I further confirmed that I had fulfilled all requirements for the offer. 

Citibank customer service said I had indeed done everything necessary and my points would be deposited within 10 days of XXXX/XXXX/2016. After those 10 days passed I contacted Citibank, and they told me I was ineligible for the promotion because I was not " targeted. '' That was never a requirement mentioned in any of our previous correspondence, and it seems like a deceptive practice to have the customer fulfill all requirements of an offer, wait months, and then be told that they wo n't get the incentive they were originally offered.
XXXX XXXX Claims I owe a XXXX bill, I do n't use XXXX I use XXXX XXXX
XXXX told me that a credit check would n't show up on my credit report. They lied to me, I complained to Equifax, and they refuse to remove it from my account.
In XXXX of XXXX I noticed a derogatory mark on my credit files reporting to all 3 major bureaus. This was for a medical debt in the amount of {$490.00} by XXXX XXXX XXXX. I immediately disputed the item with XXXX and it was unverified and deleted from my. I also disputed the same item with XXXX and XXXX. The item was also deleted from my XXXX file after a second dispute in XXXX continue to report the item. After contacting XXXX they suggested that I contact XXXX to dispute the item directly with them. I sent XXXX a letter disputing this account asking them to verify this debt ( proof of the agreement with their client granting them the authority to collect with dates/ times this debt allegedly occurred. ) sent via certified letter ( with proof ) and they received it on Friday XXXX XXXX, XXXX. Prior to sending the dispute to XXXX I did not receive any letter or communication from them whatsoever regarding this matter. On XXXX XXXX, XXXX I received a bill from XXXX demanding payment in full. The letter did not prove anything and was only a demand payment letter with the amount owed. Being this is a third party attempting to collect a debt I expected them to provide more detailed proof such as an original invoice from the original creditor with detailed info about services rendered, dates and times etc. I did not receive this. I sent another dispute via certified mail on XXXX XXXX and have yet received anything from them. Clearly this is a case of unverifiable debt on their part and I requested they remove it and report to XXXX. Under the FCRA I have a right to have this debt validated and I have not been given the evidence due under my right to prove what they say is accurate. It is still being reported as a derogatory remark on my XXXX file and has caused unnecessary financial hardship. my rights are being violated and XXXX is not following FCRA guidelines designed to protect consumers. XXXX is a collection agency ( XXXX ) party and legally obligated to furnish proof they have a right to collect on this debt. I have not been given proof and would like this company to cease reporting inaccurate information and demanding that I pay them. Or provide the information I requested and verify which should not be difficult if it valid and not erroneous or an attempt to extort money from hard working people like myself! I did n't make the rules that constitutes Fair Debt Collection, but I am following them and they are not! Can you please help me? If it is mine and I see tangible proof then I will make good on my end, if they cant provide me with something ( invoice, bill, proof etc ) its mine then I refuse to pay it and am asking you to mediate and or remedy this situation by asking them to adjust their records and send that to XXXX as well. Thank You.
Walmart has overcharged my account with debts that are not incurred by me. There are two items that I recognize XXXX XXXX adult trike picked up on XX/XX/XXXX ( due to accident my van was destroyed ) and a XXXX XXXX. Thereafter, I do not use Walmart card to purchase any clothings neither accessories. Walmart card is only to obtain vehicle related emergencies. I do not change oil at walmart neither. After the adult trike on XX/XX/XXXX and before that date I was only making payments. I have kept my credit low and limiting myself to only necessary items. Seems after XX/XX/XXXX are charges that are not my purchases. thereafter Walmart makes appear in my statements, exaggerated fees and interests over the amounts of charges that I did not incurr. I called Walmart two times. I was told that charges were going to be removed, that it was not my fault. I called to make a payment and the charges are still there the balance has reached the XXXX and walmart makes appear purchases two months after the card was reported lost. How can walmart authorize charges after a card is lost and prior to the card getting lost while not removing the overcharges neither the exaggerated interests in charges not incurred by me. I have spoken three times with Walmart supervisors and they promise to fix the problem verbally over the phone, but the account still shows overly charged. I went to deposit XXXX diollars in a blue bird card to make the payment a cashier at walmart on XX/XX/XXXX took my cash and only XXXX reflect in the bluebird card. I went to walmart, spoke with XXXX a XXXX man that claims to be the assistant manager and refused to seek for the video to place my money back in my card. Likewise, the charges in my walmart card are run by Synchronity bank. I do have the statements and have revised one by one the statements with my surprise that seems a scam the list of charges. This is traumatic for someone that has maintained a balance in my ways of using Walmart card and is obvious to see the statememnts prior to XX/XX/XXXX ( noticing that non authorizes charges are in XX/XX/XXXX as well, but I had not been aware that someone was using or charging my account. who else can use my account if not walmart itself> In regards to the cash taken from my hand, I require that walmart seeks for the video at the  cashier that did not deposit the full amount but only placed XXXX out of XXXX dollars handed. This is not correct, I work so hard and I have been making payments assuming that all was correct, until I see the statements and after reporting my card lost. seems there was usage prior of the card lost. Please publish this. If I can provide the statements and actual items that I have acquired, It can serve for the public to see how I am getting hurt. I explained what items I have purchased and those are the only two last items in the XXXX that I recognize as I do have them in my possession. The rest of fees and charges in my account are not incurred by me and need to clear all. the attachments are statements since XX/XX/XXXX through XX/XX/XXXX and after the card lost walmart appears charges using the same card. How?
I am on XXXX for XXXX I have been trying to work with nagvientXXXX. I have sent in paperwork to try to get my student loans forgiving. Now I am in default. I do n't know what to do.
DITECH FINANCILAL LLC, XXXX XXXX XXXX. I USE TO PAY {$380.00} A MONTH AND NOW THEY RAISED IT TO {$670.00}. I ', M RETIRED, WIFE IN XXXX AND I HAD A XXXX XXXX 2010. IT IS PUTTING A BURDEN ON ME. HELP ME. IF I GET SICK OR LOSE MY PART TIME JOB, I WILL LOSE MY HOME. HELP ME.
My mortgage company sold my loan to another company. I did not make the final payment for the current month within the usual 15 day grace period. When this happens, I pay the late fee ( {$100.00} ) and the regular payment. With the transfer of companies, I have not been able to pay my mortgage. XXXX, I have called my former/original mortgage company to pay, and I have been put on hold for over 15 minutes only to have the call hang up. XXXX, I tried to pay via the former mortgage companies " speed pay '' website option and been unsuccessful because it would say " unable to process ''. I know i would not be penalized if I sent a payment to the former mortgage company, but I am unable to send them the payment. The new company takes over on XXXX XXXX. I can not pay them yet. Even if I pay my payment for XXXX after XXXX XXXX, it would be over a month late. But I have been unable to do otherwise because I can not speak to anyone at my former mortgage company.
A check was sent to XXXX XXXX from a third party with the intent to pay off my account in full. The payment was sent on or about XX/XX/XXXX to the payment address listed on the XXXX XXXX website. 

Approximately 2 weeks later, the payment was returned in the mail as undeliverable. I sent a message through the XXXX XXXX website regarding the returned mail. I was advised that the address on the website was wrong, I was provided with a different mailing address. It was suggested I take the payment into a store. 

On approximately XX/XX/XXXX, I took the check into the XXXX XXXX location at XXXX XXXX XXXX in XXXX. Two sales associates and two managers assisted me and could not figure out how to process the payment since it was from a third party. They suggested it be mailed. 

On approximately XX/XX/XXXX, the payment was mailed to the address provided by XXXX XXXX.
Two weeks later, I had been charged additional interest and a late payment and the check had not been processed. I contacted XXXX XXXX through message to find out why. It was suggested that I wait a few more days ( 10 business days ).
AT 13 business days, the check had not been processed. I contacted XXXX XXXX to find out why or to see if it has been lost and if payment should be stopped. 

I was advised that the payment was located and would be applied to my account within 5 business  days. I requested that late fee and interest be removed since they had the check in their possession and had refused to process it. 

As of today, I have again been assured that they have received the payment, even though it has not been processed. I have also been advised that the late fee and interest will not be removed from my account. 

Since XXXX XXXX has declined to accept or process the payment in their possession, I believe it is only fitting that they should not be allowed to charge interest or late fees to my account.
I have sent Equifax proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Equifax is avoiding my request by keep sending me a letter staying they were unable to honor my request because This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly and that additional information has been provided from the original source regarding this item. 
This is what Equifax keeps sending me everytime I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
please show Equifax the attachment deferment ( letter ) that was granted but yet never honored by XXXX.
I reached out to XXXX, Equifax and XXXX about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. XXXX, Equifax and XXXX all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( XXXX/XXXX/2016 ) XXXXXXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) .XXXX XXXX XXXX ( XXXX/XXXX/2016 )
I was part of the Equifax credit information hack.It is not acceptable whatsoever to have me PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place.
FIFTH THIRD BANK ( 53 ) Unfair banking practices- Overdraft fees XX/XX/2016 : I was forced to write a check at the grocery store because I had left my debit card/cash at home. Later that evening, I took cash money to the local ATM to make a deposit just to be safe ( prevent any NSF fees ) I had direct deposit scheduled for XX/XX/2016 ( they were closed on Monday XX/XX/XXXX for XXXX ) but, was unable to deposit the money due to " out of service '' notice on ATM screen. The Direct Deposit deposited on XX/XX/XXXX and all the checks that had been written over the past week and weekend were also debited that day however, all debits were removed BEFORE the deposit was credited to the account and I was charged {$74.00} in NSF fees. There has also been an instance of fraudulent charges being placed on the account, my balance depleted below the amount to cover pending checks. I was issued credits for the fraudulent charges however, the bank refused to remove the NSF fees that incurred due to those charges. The bank also did not cancel the card as requested during those disputes and the charges reappeared on my account 2-3 weeks later along with more NSF fees caused by those charges. Again, the fraudulent charges were removed but, they refused to remove the NSF fees- they did however, state they cancelled the card. They also informed me I would not have access to online banking or mobile banking for 7-10 days while the account was " undergoing updates '' so I am unable to verify anything on the account. Thirdly, the bank ALWAYS orders transactions so deposits are credited last and online payments are debited before the deposit is credited. AGAIN, fees have been incurred because of the way the bank CHOOSES to order these transactions- I have lost several hundred dollars due to these issues and the bank refuses to assist me with rectifying these issues.
Midwest Service Bureau called regarding a bill with the XXXX XXXXXXXX XXXX the phone was answered by my boyfriend In the call the collector revealed my XXXX status and went on to say they would sue me if I did not pay the bill. Now the entire town knows about my XXXX status because of this company.