WillisBack/dataset-financial-user-claim huggingface dataset:
Ok so I purchased a vehicle in XX/XX/XXXX of 2017 and was financed with Consumer Portfolio Services. Everything seemed fine, and admittedly I was late making the XX/XX/XXXXpayment partly due to difficulties trying to pay them via phone. I decided ultimately to pay the bill by check through the mail. In XX/XX/XXXX a check was mailed to CPS. I never received any sort of correspondence from CPS regarding not receiving payment nor a bill for the month of XX/XX/XXXX. I was going to send a check for payment of the month of XX/XX/XXXX and then woke this evening to find that the vehicle was not in my driveway. I attempt to call CPS upon this realization and can get no actual person other than a recording. I then access the companies website and access statements sent to me and find that the only thing sent to me according to their website is the bill fore XX/XX/XXXXand nothing else. I have received no phone calls, no further mail, no email and they do have my contact information both personal and work. All attempts to contact CPS have been exhausted as this is sort of an emergency due to the fact that I do have medication inside the vehicle that was just filled yesterday and I have no way of getting it replaced due to law. No attempt was made to afford me the opportunity to retrieve personal belongings from the vehicle which I am especially bitter about. I then find that their website shows that my account was not credited for payment sent in XX/XX/XXXX. After further research I found that this is not an isolated incident and that this sort of problem seems to be rather normal for the company 's operation. I have also submitted a complaint directly to the company but have n't heard anything from them regarding this. The complaint was submitted today.
Currently in a short sale for my home. According to XXXX documents attached, I should be eligible for XXXX in relocation assistance. I have attached the mortgage companies request for mortgage relief documents. Carrington Mortgage is a participant in this program as is highlighted. I received a notice from the title person copied to the realtor that I was not qualified for the reasons stated on the very XXXX page of the attachment. Non of the disqualifiers are part of the eligibility criteriea given.
I applied for modifications and was offered a modification with a good faith deposit of {$13000.00} in XXXX. I don't have that and never gave them the impression I did. I am the owner of the home on a deed. I was never offered the option to obtain the loan since it's in the name of the estate deceased husband. I want to be considered for owning the loan. I recently sent over a new application to be considered for ownership of the loan.
I had a car financed with Hyundai Motor Finance the past six years. I only had four payments left on the car when I was involved in an accident. As a result of my claim I was given a check for {$1700.00} and by the time I got my check I only owed about {$350.00}. I decided not to get the car repaired because I ended up getting a different car. Because Hyundai still had a lien on the car the check from the insurance company was made out to myself and Hyundai. When Hyundai got the check they took out the XXXX I owed them and said they would send me the balance of {$1300.00}. I asked when I could get the balance they owed me they said they were going to hang onto my check for 30 business days. Can they hold my money for 30 business days?
A credit Loan inquiry was made without my consent. Someone submitted a credit application for a car loan to a company called XXXX XXXX XXXX XXXX. This inquiry was not authorize by me. 

Fraudulent Inquiry made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
In  XXXX    XXXX   I visited the  Branch of PNC b ank in  XXXX  to close my accounts. Supposedly everything was done. About a month later, I started getting notice of fees charged. Went to the  XXXX   XXXX , and they initially refused to close the account. Until I stated that I refused to leave, and they would have to get the police to make a report and remove me, the manager supposedly agreed to close all the accounts, refunded the fees, and gave me a handwritten letter confirming all accounts were closed. I still am receiving bank statements as if the saving accounts are open. Basically, they are refusing to close the account.
I called in to Fidelity Card Services through Elan Financial Services and asked them to redeem my reward points and transfer the funds to my Fidelity cash account. They said it would be two days. Three days later nothing had been deposited and was told it would be seven days. Nine days later I called and they told me sorry but it has been sent to " research '' and will take two weeks! They offer no compensation for the time I have spent resolving this which has exceeded ten hours nor have they offered to pay interest at the same rate they charge me to use the card. Not to mention the anxiety  generated having to deal with these lying thieves.
My name is XXXX XXXX in XXXX of 2015 I went to XXXX company located on XXXX XXXX in XXXX, Ny. I got insurance from a broker from the company, at the time I had another quote for insurance some where else. I explained to XXXX what I needed, the broker stated she could get me cheaper insurance through XXXX and beat out the other insurance company I was going to. Ok fine, I like to save a little money so I went with XXXX. XXXX gave me XXXX as my insurance carrier. I paid the insurance to activate my policy in XXXX. In XXXX XXXX wanted me to proof household members. I signed XXXX different forms for progressive stating my daughters XXXX XXXX, and XXXX XXXX are not drivers. I had to sign the form for XXXX and then again for another person XXXX XXXX who I do n't even know. Ok fine I will sign these people do not drive my vehicles to keep the policy at a reasonable amount. Still with all that, XXXX kept e-mailing me and writing when the policy was due that I owe XXXX per month for insurance. I would call XXXX to let them know that XXXX is e-mailing me and writing stated my policy is more than what I agreed to. XXXX would say no, your monthly pay is XXXX dollars that is what I excepted when I went to them in XXXX of 2015. I would pay my premium with XXXX over the phone with my debit cards. Each month since XXXX I had an issue with this policy through XXXX. I called XXXX so much each month to report XXXX writing me about that policy I did not agree to. XXXX kept telling me do n't worry about it we will get it fixed. In XXXX XXXX said ok we are going to find you another policy because this is to much. They got me another policy through XXXX. I have had XXXX since XXXX 2015 and XXXX is still stating I owe them XXXX for the policy. First I never agreed to the policy XXXX was trying to give me. I never paid XXXX for any premium, I paid XXXX to them since XXXX 2015. I 'm writing you today because XXXX is sending me letters form R.M.S an collection agency for the remaining balance that I do not owe. I never signed any paper work stating I wanted the high policy. In XXXX I agreed to what I could afford for insurance. There is no paper work signed from me XXXX XXXX for a high policy. I have received two letters already for collection action against me. I have called and called XXXX to get this fixed. XXXX keep stating it should had been fixed already. I called XXXX again on Thursday XXXX, 2015 and told them that XXXX is still writing me about the policy and now the collection agency are calling my home leaving me messages daily about this action. I need help with this, because I do not owe XXXX anything. I do not want this on my credit report, I have enough things to clear up already. Today I called XXXX again spoke with broker, she is the one who I been dealing with since XXXX, 2015. Broker stated today she believes XXXX moved the collection on there end, but has not reach out to R.M.S to let them know to remove the {$1100.00}. She stated she has called Marketing, this person, that person to get this cleared. I very frustrated with this. I 'm still dealing with this issue since XXXX 2015.
i have unauthorized charges to my account. i contact capital one bank with issue i then got a processor contacting me ext XXXX XXXX antiqua from capital one. she indicated she could n't help me in my claim because of the type of dispute but yet contact contact to go over the account and want to go over the transaction. the company. now the company block my account and any way of defending myself. she was rude and nasty and destroyed my case with her incompetency
I purchased a used Jeep 2015 Cherokee Latitude from XXXX XXXX of XXXX on XXXX XXXX. The advertised price for the vehicle on the internet was {$23000.00}. A subsequent reduced price advertisement on the internet showed the reduced price to be {$22000.00}. XXXX charged me {$32000.00} for the vehicle. This is a price difference of {$8200.00} using the larger advertised price and {$9700.00} for the reduced price. I 'm disputing the price difference between the amount being financed ( {$28000.00} ) with TD Finance versus the price I calculated using the larger advertised price and XXXX XXXX XXXX values for the vehicles I traded-in ( {$21000.00} ) as the bottom line amount for financing. The total amount of overcharge I dispute is {$7100.00} XXXX {$28000.00} - {$21000.00} XXXX. An uploaded table provide a summary of the situation.
In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC ( ERS ). 
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof from there company. 
I submitted complaint to CFPB ( Case number : XXXX ) to which ERS responded they would delete the {$2100.00} amount, andthat they could not find a account in my name for {$42.00}, but to supply a reference number or credit report and they will delete from my report. 
Called on XXXX XXXX, 2015 with husband with information concerning the {$42.00} account by their company, and ERS was able to locate the account. I was given a very difficult time to get ERS to delete this account ( as they stated they would to myself and the CFPB ). 
We sought multiple solutions, and with ERS attempting to continue to illegally collect on the supposed {$2100.00}, and now the {$42.00} ; both that was to have been deleted, gave me no choice but to reinstate my complaint.
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX today re-aged my original bankruptcy date from XX/XX/XXXX to XX/XX/XXXX. This is a violation of the FCRA and a violation of the bankruptcy order. This company continues to do this every time they submitted updates to the credit bureaus. Attached is proof of this activity. The credit bureaus say its the creditor and the creditor says its the credit bureau.
SunTrust bank is charging me an account fee of {$25.00} a month. This is contrary to the agreement in place, based upon my overall relationship with the bank. I have complained about at least XXXX times and they take off the fee, but then the charges come back. I should n't have to call and complain every month. SunTrust should have adequate accounting systems in place to abide by their own policies and fee schedules. A recent statement is being submitted as an example.
My account is es crowed with NYCB and I see a significant delay in paying my home owner insurance payment. Two months back I have opted for new home owner insurance policy, informed bank about it and I made couple of call to inform them about my new insurance premium payment. Insurance agent sent them invoice but bank never paid them. I have received a cancellation notice from insurance company, I called bank on XXXX XXXX 2017 to inquire about the payment and they admitted they never paid it ( my online account says they paid premium but it was not the case ) but there a confusion from their side ( not sure what it is ). When I asked them did they get cancellation notice from insurance company, they said yes as they got it on XXXX XXXX 2017 then why did n't they act immediately? why are they waiting until I call and let them know about missing payment? I call them on XXXX XXXX, they initiated payment on XXXX XXXX ( online account says disbursed on XXXX XXXX - false details ). Today is the last day insurance company would cancel my policy if they do n't receive payment, I called bank, CSR says we need allow 7 days to deliver the check, and CSR assumes it will be delivered and insurance would reinstate the policy, who is responsible if payment is not made by end of today? what if damage happens over the weekend? Bank put me corner and I was in scary mode now, surprisingly second time happening this to me like this as Title company never paid premium amount to insurance for which I lived in home for 7 months without home insurance and no one took responsibility about it. Always CSR speaks something not sure it is recorded they assume a lot but they do n't take responsibility, they give robot type answers, not allowed me to speak to their manager when needed. But CSR gave random answers, different CSR 's give different answers. I 'm worried and I see negligence from bank.
I had an auto loan with Wells Fargo. In XX/XX/XXXX I started noticing that they reported that I was a payment behind on my auto loan for my XXXX XXXX XXXX. I called them because they went back and changed everything on my credit report showing I was a month behind. When I contacted them they said that I missed the XX/XX/XXXX payment. At that time I went to my bank and they pulled the check and gave me a copy of where the check was received and cashed by Wells Fargo on XX/XX/XXXX. I presented this information and then they said no, it was another payment. I got the next payment they said that I missed and sent them a copy of where the check was cashed by their institution. After going around in circles with them I submitted a complaint to XXXX. I think the guy 's name that was helping me at the time was XXXX. My complaint ID with them at that time was # XXXX. We eventually submitted payments for the entire history of the loan to Wells Fargo and their delinquencies were supposed to be removed from my credit reports as well as my co-signers credit reports. However when I went to review my credit report a few weeks ago, it was on there and this time they showed more delinquencies, even after I traded the car they showed that I missed payments. I officially signed docs on my new car XX/XX/XXXX to get away from this horrible company. They were even paid off by XXXX XXXX XXXX prior to that date. Please help me with this because Wells Fargo knows that they received every payment on time from me and it was proven. XXXX at the XXXX stated that Wells Fargo has a history of doing stuff like this. Every time we spoke to one person they would switch us to someone else. Then when we would call back they would say that person didn't work there anymore. XXXX even had this problem for a while.
I have canceled an auto insurance policy and continue to get collection notices for {$140.00} for non-payment for a canceled policy. 

They have three brokers/agency/insurance that do not talk to each other and blaming others for not giving proper information, using wrong forms ( not my form ). 

They have sent my account to collection and is impacting my credit rating, employment. 

Date of cancelation requested XXXX ( due to holidays and being out of Country time diff. ) to cancel, contacted XXXX as was advised by XXXX to do that. 

XX/XX/XXXX - Received and signed the cancelation letter dated XX/XX/XXXX. 

Letter says cancellation date ofXX/XX/XXXX, XXXX XXXX. 

Obtained insurance with new insurance and began payments on XXXX. 

Did not use vehicle as was out of country XXXX to XXXX.
We received our collected mail from the post office today, after having been on vacation for about 11 days. In the mail was an unsolicited credit card from Chase, called the " XXXX Rewards Visa Signature Card ''. The card did not have my full name on it, just my first and middle initials and last name. I never applied for or in any way requested this card. I called and reported it to Chase immediately and spoke to XXXX in their Security Fraud Division who says she has closed the account and will investigate. However, she could not give any confirmation number or other means of confirming that I had reported the issue and that this unsolicited account is in fact closed and that it will not affect my credit. 

This seems to be a likely case of identity theft but also a case of Chase issuing credit cards without proper checking of identity and then not handling the aftermath in a way that makes the violated consumer whole. In this time of rampant identity theft it seems highly negligent to issue a credit card without even knowing the first name of the person.
On XX/XX/XXXX I call Preferred Credit to pay off my remaining loan balance early. It was listed on my credit report owing {$170.00}. I call and advise I wanted to pay it off. I was told I couldn't and would have to allow my payment due on XX/XX/XXXX to process and then I could call after and make the payment to pay it off. This did not make sense to me, so I question a supervisor who approved the payoff to be completed on XX/XX/XXXX I was advised that to payoff the balance I would need to pay {$170.00}. I provided my bank information and a payment of {$170.00} cleared my bank on XX/XX/XXXX. On the evening on XX/XX/XXXX I received a notice of my credit score changes. When reviewing the changes I notice I was still being reported of a {$2.00} balance with a minimum payment of {$5.00} being due. I called the automated system and it stated I had a payment due on XX/XX/XXXX. I questioned a representative about this and she stated I was given an incorrect pay off amount. I told her that is not my fault that it was wrong because they did not process the payment until 4 days after I authorized the payment. I asked for a supervisor and the supervisor refused to take the call. I then stated that for the small amount of {$3.00} that they say I owe in order to fully payoff the loan, to satisfy the issue and correct the error on there behalf they should adjust the balance to {$0.00}. They refused. To be done with the company I gave my payment information again and was told the payoff balance was {$3.00}. When the agent went to submit my payment on XX/XX/XXXX she stated that I only need to pay {$2.00} and they would process the payment that day. Then she stated the payment will process on XX/XX/XXXX. She assured me the payment will pay the account in full this time. I would expect a company that provides a payoff amount to take that payment as payment in full. Due to the error on the company behalf the small balance should have been adjusted and an apology provided. Instead I am told I have to pay the amount and didn't even get an apology of any kind for a company error. For working for a XXXX   XXXX  myself I am truly disappointed with the customer service provided and would hope that Preferred Credit gets it together and stops XXXX people over. I would have never known I owed anything if it wasn't for a credit monitoring alert.
XXXX XXXX XXXX is posting duplicate on my report it should be only be listed once.
on XX/XX/18 I requested auto loan through Transunion website. I was automatically enrolled in a subscription for credit protection with automatic monthly charge after trial period. No where did I accept the automatic charge option or request there service. I cancelled successfully but needed to call for cancelation. There was no complaint department for transunion per the person on the phone.
ON XXXX XXXX,XXXX INTERNATIONAL WIRE SENT IN AMOUNT OF {$350.00} PLUS {$50.00} FEE. CORRECT ROUTING NUMBERS, BANK, ACCOUNT NAME AND NUMBER ON TRANSFER USED. WIRE NOT SENT TO INFORMATION GIVEN. ON XXXX XXXX, XXXX CERTIFIED LETTER RECEIVED FROM SUNTRUST BANK SAYING BANK ACCOUNT WOULD BE CLOSED BY XXXX XXXX, XXXX. ACCOUNT HOLDER XXXX XXXX XXXX HAD NO PROBLEM WITH ACCOUNT BEING CLOSED. WHEN XXXX XXXX INQUIRED ABOUT NON DELIVERED WIRE AT XXXX. HE WAS TOLD TO CALL ANOTHER NUMBER. XXXX. THEN HE WAS GIVEN ANOTHER RUN AROUND TO CALL THE BRANCH OFFICE. THEN SUNTRUST CHARGED ANOTHER {$25.00} TO PUT A TRACER ON WIRE. THE WIRE HAS WENT PAST THE DELIVERY DATE IT WOULD BE MADE AVAILABLE. XXXX XXXX IS IN THE OPINION AND BELIEF SUNTRUST BANK CONSPIRED TO HOLD THAT WIRE ILLEGALY AND CLOSE ACCOUNT CHARGING EXTRA FEES AND TAKING THE FUNDS WIRED. COMMITTING A CONSPIRACY TO DEFRAUD XXXX XXXX OF HIS FUNDS AND EXTRA CHARGES
I just received my credit card statement with a {$380.00} Interest charge on my statement. My statement balance previous statement was {$530.00}. My statement has been as high as {$1000.00} approximately and have been paying down since I got it that high. They told me that I made a purchase 2 years ago that I agreed for no interest however been paying interest all along and not sure my payments actually paid down the zero percent side as it should. They then told me they would waive the interest charge if I paid the entire credit card balance off, extorsion!
Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick one because my situation is based on the legal right to operate in the State of Texas as a debt collector and IC System Inc. does n't have the right to collect debt in the State of Texas. I am going to provide you with the Creditors Validation Letter I sent to them, I am going to provide to you the research from the State of Texas Debt Collectors Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the Creditor Validation Letter. 
This is a XXXX Account that never got service by XXXX because at the times of XX/XX/2012 and XX/XX/2012 they was not any service in my area for XXXX. What I am saying is they did n't offer service in my area so they closed the account out but still tried to bill me for an area they did n't service.
XXXX has been using different phone numbers and calls me multiple times a day and has not left any voicemails. At one point I answered and asked why no messages were being left and they said they were not allowed to leave messages. I asked them how they intended to inform me to call them back if no message was left. Especially since the number can be different each time they call. I also informed them I was unable to talk because I am at work and unable to be on my personal phone as my job requires me to be on the phone.