WillisBack/dataset-financial-user-claim huggingface dataset:
I was granted credit by XXXX who operated XXXX which was taken over by Synchrony Bank. So I was granted credit based on my credit report at that time. Synchrony now lowered my credit limit substantially, stating as a reason information obtained on the credit report. I contested that as the information has not changed. The reasons Synchrony stated in their original letter where they lowered the credit limit are not valid. Those same issues were there when they originally granted the credit, and as an aside my credit payment history with them, and ALL creditors since then is perfect. so I contested their reasons for the reduction, and they wrote back, XXXX, and do not address the issue but use the same boilerplate language. When I wrote a XXXX time pointing out my protest even stronger, I get the same boilerplate response.They will not allow calls and no other way to discuss or resolve the issue. Obviously writing does not move the ball forward on this at all. They simply do not respond to my questions or inquiry at all. 
They keep stating they made their decision within the law .... But I contend the reasons they state are not valid, at all.
After I paid in full my mortgage with dtech financial I requested the refund of my scrow account. The mortgage was paid in full on XX/XX/2018 and XXXX confirmed on XX/XX/2018 that a check of {$2800.00} dollars was issued already. Three weeks later the check was not received and I contacted again dtech customer service for an update. I was told that they have no control over USPS as the check was mailed already. They offered the possibility of making a direct deposit if within a week the check was not delivered. A week later I called again and at this time I was told that dtech does not make any direct deposits to reimburse scrow balances. I was ensured that a new check was going to be issued and delivered within 5 to 10 business days. Today I have been told that the check has not been issued yet. This situation is unacceptable from a financial institution who will not hesitate to charge you fees if you do not pay your morgage on time. However they have the luxury to play with customers money and blame the postal office when the checks mysteriously disappear.
i was misinform that naviet took over XXXX. I was XXXX at the time and nowhere to go. when I find that naviet took over. I call to see do they had deferment they told me no. I did n't know what to do.. now I got naviet and XXXX on my credit report. naviet making my credit look bad.
I have run into them taking extremely long to process IBR paperwork making my loans be in a forbearance status longer therefore collecting more interest.
In XXXX I filed Chapter XXXX  bankruptcy and was discharged that same year. In XXXX I noticed a collection that was on my Transunion and XXXX reports. This collection has an opening date of XXXX. This is false. The original creditor, in XXXX, gave me a personal loan. This loan was included and discharged in my bankruptcy. I provided this information to both of the above mentioned credit bureaus in XXXX. Again, this year they allowed this collection on my report. I disputed with Transunion and was advised the information they are reporting is correct. I have received zero information from Transunion or the collection agency. I have received no paperwork, no validation of debt, etc. If the collection agency were to even have proof it is dated for XXXX ( not XXXX ) and they are not the original creditor. The collection agency 's name is, XXXX XXXX for " XXXX XXXX XXXX ''. I have never heard of XXXX XXXX XXXX not have I taken out any loan with this company. They are indicated the opening date is XX/XX/XXXX. This is fraud and this information is false. How are these companies allowed to put things on your credit and lie and despite showing proof to the credit bureaus they don't care. Their resolution was that " the information is accurate ''. Where is the documentation proving that. There is nothing with a XXXX date because that is a lie that Transunion and XXXX have allowed on my credit.
Collection company for XXXX ( XXXX XXXX ) has attempted to re-age the debt in question. Upon finding information on my credit report listing the above named creditor the date for the account is listed as XX/XX/XXXX when in fact the account was delinquent as of XX/XX/XXXX. I called XXXX XXXX at which point they told me the information is reporting correctly saying that if it was reported by first delinquency ( following the law ) it would be before they obtained the debt.
Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I have n't received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. In addition they have added a {$16.00} payment X/XX/2016 which is completely false. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices.
Enhanced Recovery Company continues to add a debt to my credit report that I do not owe. I have disputed it twice, and Experian removes it, but the next month or more it is back on there. When I called Enhanced Recovery Company, I was told that I owed XXXX. I have not had XXXX in 10 years and I do n't believe that XXXX would have waited 10 years to inform me about a debt. I left XXXX in good standing. My current credit score is XXXX. I am beginning to get really upset that I have to continue to dispute this false debt. It is negatively impacting my credit score.
The debt is not validated. I have attached the summons as well as the collection letter from Patenaude and Felix, a debt collector.
In the beginning of XX/XX/2018 I contacted XXXX XXXX via an internet advertisement. A loan officer, XXXX XXXX, from AmeriServe contacted me as a result. I disclosed all of my financial info verbally and again via their electronic transfer questionnaire. Due to my credit score being over 800, and my loan to value ratio quite low, they issued a " Loan Terms Agreement '' statement showing " Points '' at {$930.00}. But when the actual application was to be submitted that required my electronic signature, the points changed from {$940.00} to {$1300.00} which is about {$420.00} higher than was quoted. 

In my opinion this is a " bait and switch '' tactic. I verified with another lender that there was no change would have occurred during this time period for any client with my qualifications with any lender. 

They also charged me {$550.00} for the home appraisal, which was never completed. I called the appraiser and he informed me that he had received the initial order but when he called them to verify the transaction, they never answered their phone and would not return his calls. 

I called the lending agent I had been dealing with and told her to cancel the transaction as I did not approve of their business practices and questioned their integrity. Also requested the return of my {$550.00} deposit. As of this date it has not been received. 

Her reaction to this call really surprised me. She replied " Oh, Ok and said goodbye and hung up. '' Really an odd reaction after all of the time and effort we both expended. 

I obtained my loan from another reputable company and everything went as expected. 
This company also required info on my wife as she would also be required to sign documents as an additional party to the loan. AmeriServe agent claimed that was not needed. Very strange.
There is a World Omni that was reporting on mine and my husband 's credit report. We have asked for validation of debt and they won't send anything. We have disputed it with the bureaus and they won't send anything. Please help the amount does not look right and they won't give us anything.
Received an offer from Chase Bank for a Southwest Air Lines Rapid Rewards Credit Card. Offer included a bonus of XXXX points after spending {$1000.00} in charges in the first 3 months. I spend the required amount plus some in the first 2 months, then waited the required 1 or 2 statement cycles for my XXXX points to show up, when they did not appear I contacted Chase Bank. They told me I did not apply for a XXXX point card but one that gave XXXX points and that is was to late for them to do anything, had I contacted them 3 months ago when they first put in XXXX points they might have been able to do something and that it would be unfair to their other customers to fix their problem. I informed them I did not, would not waste my time applying for a card with only XXXX points. I told them this 4 times in 4 different secure communications. They have refused to do anything about this. I did not apply for anything but the card with XXXX points. I will accept nothing less than the XXXX points in the offer they made or the refunding of my credit card fee they charged. This bait and switch practice should be illegal and probably is, Chase needs to make this right!
I spoke with XXXX and XXXX and they told me that Confirmation number XXXX can not be viewed on the completed Equifax investigation online dispute website for me to see the results from the investigation dispute I filed ... However, XXXX told me verbally that the creditor reported accurate information on my credit report but can not verify it in writing on their website .... I 've been told by XXXX or XXXX that I will receive information in writing 7 to 10 business days and I never received any mail correspondence from Equifax. Please make sure Equifax is reporting information fairly and accurately ... .. Thank you very much
we leased a Fiat 500E for over 20 months on a XXXX lease, and decided to terminate the lease early. We than were told be Chrysler Capital that our final bill was more than XXXX, which is more than half the price of a new car. 

here 's detail : Prior to the termination of a 36-month lease at the XXXX month, a customer service person of Chrysler Capital informed me through telephone consultation on XX/XX/XXXX that, for the early termination they would charge me approximately USD XXXX as an early termination fee in addition of the normal end of lease termination fee. It was based on this information that I decided to terminate the lease and consequently returned the car to XXXX on XXXX XXXX. 

On XXXX XXXX, I received a written notice from Chrysler Capital that the total amount for the early termination was {$27000.00}, subject to a final bill ( XXXX ). Out of shock, I called their customer services hotline immediately. To my aghast, their representative denied the early conversation that I mentioned above. 

In any event, the amount of {$27000.00} as the charges for the early termination is preposterously outrageous. It is almost as much as the price of a new car of the same specification. 

The next day, I called your company again, requesting a copy of all documents in support of your claim. Only after about 2 weeks did I receive a scan copy of a contract that was completely illegible : XXXX pages that were originally printed on XXXX paper were now squeezed into only XXXX page. 

Despite of my repeated requests of a copy of the normal or legible size of the contract and your customer service representatives ' consent to do so. After almost 2 month, I finally got the final bill and scan of the contract. 



I also attached a pdf of our lease payment statement.
Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX  Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name : XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXX on or aroundXX/XX/2017 Below these addresses are not associated with me and I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
A foreclosure case has been commenced against the borrower in XXXX XXXX. Currently, mandatory settlement conferences are being held pursuant to NY XXXX XXXX XXXX. At a settlement conference held on XXXX XXXX, 2015, the Court directed the borrower to submit his most recent financial documentation to HSBC 's attorneys by XXXX XXXX, 2015, and directed HSBC to render a decision on the modification application by XXXX XXXX, 2015. 

On XXXX XXXX, 2015, the borrower, through counsel, emailed HSBC 's attorneys copies of the borrower 's six most recent pay stubs and two most recent bank statements for each of his accounts. HSBC 's attorneys confirmed receipt of these documents on XXXX XXXX, 2015. On XXXX XXXX, 2015, the borrower 's attorney received XXXX letters from HSBC, dated XXXX XXXX, 2015 and XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC claimed that the borrower 's application was incomplete and asked that he submit certain documents by XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC said that it would discontinue processing the application because it did not receive the allegedly missing documents by the deadline. Neither the borrower nor the borrower 's attorney received either letter before XXXX XXXX, 2015. The borrower appealed this decision to discontinue the review on XXXX XXXX, 2015. 

At a settlement conference held on XXXX XXXX, 2015, HSBC 's attorney stated that HSBC would continue with its review of the application. To date, however, the borrower has not received a notice that the application is complete.
There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX )
Within the Summer of XXXX, I went into the US Bank, which was located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and closed both of my checking and savings accounts with US Bank. I received a statement for XXXX XXXX to XXXX XXXX, XXXX, which indicated that I had a {$0.00} balance within my savings account. 

Much later on, I received a statement for the period of XXXX XXXX, XXXX through XXXX XXXX, XXXX, that I was charged a " Monthly Maintenance Fee '' of {$4.00} on XXXX XXXX. 

A letter, which was dated on XXXX XXXX, XXXX was received and indicated, " This letter is to notify you ... your account has been overdrawn for XXXX consecutive business days. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Another letter was received, which was dated on XXXX XXXX, XXXX. The letter stated that " This serves as a final notice regarding the overdrawn balance in your account. Our records indicate that your account has remained delinquent for 20 business days. If your account remains overdrawn, your account will be closed by the Bank and your account will be transferred to U.S. Bank 's Recovery Department where further collection attempts will be made. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Today, which was XXXX XXXX, XXXX, I called US Bank at XXXX. The male individual indicated that he would not be able to assist us, since the account has been closed for more than 3 months. He redirected us to the " Collections '' department. Then we spoke with XXXX who rudely indicated that she could not help us and that we needed to speak with the branch that closed our account, and to speak with a branch manager or banker, but not a teller. 

We immediately called the US Bank branch where we closed the account, which was located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We asked to speak with a branch manager. XXXX stated that the branch manager was not there. We mentioned that we could speak with a banker as well, so XXXX proceeded. XXXX indicated that we needed to contact the " XXXX '' number because she did not have access to our files. We stated that we have already called them, and she said in an extremely rude, condescending tone, " Why did you wait so long to follow up? '' In response, I rudely stated, " Why did you charge me? '' and my significant other stated, " We did n't know. '' A bit later on, I just hung up.
MyFedLoan student loan servicer failed to properly recertify my income based repayment plan on an annual basis. I submitted all materials requested prior to the deadline in XXXX 2017, however this incompetent servicer not only removed me from the income driven repayment plan, but capitalized about {$10000.00} in interest because of this. This is the second year they did this. That is unacceptable. I contacted the company who told me to put a stop on the payment at the bank, while they have me yet again resubmit certification, stating I did not submit on time, despite the fact I uploaded all their documents requested on their own website well within time, yet they send me a letter it was not completed which I am attaching. They continue to not take responsibility and make excuses for their utter failure to do a simple job. They have refused to correct the capitalization problem, which is criminal given the error is on their part and they are breaking a contract and federal laws, and highly unethical.
I went XXXX XXXX on XX/XX/2018 for XXXX XXXX and was quoted apr rate of 4 % by Care Credit/Synchrony Bank but are charging me 26.99 %
I signed a Extension Contract with Santander Consumer USA on XX/XX/XXXX due to the hurricanes in the Carolina in XXXX. In that contract 2 months were moved to the end of my loan and my loan extended till XX/XX/XXXX. In addition my next payment was not due until XX/XX/XXXX. 

Company repossessed vehicle 11 days prior to XX/XX/XXXX on XX/XX/XXXX and refuses to return vehicle and reinstate loan or return vehicle. 

In addition company breached the contract and no other signed documents have been agreed upon since the XX/XX/XXXX. 

Company deceived consumer by information provided by management by changing the agreement and sending out a letter to the consumer ( never received ) stating that the payments waived were for XX/XX/XXXX and XX/XX/XXXX. IN addition this created a Right to Cure letter to benefit the company which the manager stated that needed to be paid by XX/XX/XXXX. That letter per the manager stated the amount due by XX/XX/XXXX was XXXX. That Right to Cure letter was also not received by the consumer. 


Lender did steps to the account without signatures or confirmation to agreement on XX/XX/XXXX that benefited their company. They did deceptive trade practices and mislead the consumer. IN addition they illegally repossessed the vehicle on XX/XX/XXXX and provided false and misleading documents to the Repossession company
# XXXX The company is collecting on a dept that was I was manipulated into taking by XXXX XXXX XXXX XXXX XXXX XXXX. All of my federal loans has been placed on hold concluding this investigation. I have attached documentation that directly depict me as a victim. I can't afford to pay back the loan as I am a full-time student and work part-time. XXXX is supporting fraudulent activities by forcing me to pay back something my family and I were manipulated into taking. 

Password to access secured document below : XXXX!
XXXX and XXXX have allowed unauthorized access to my protected person data and they now have access to get my finances and hindering my ability to obtain safe housing. I am an XXXX XXXX veteran and former XXXX  XXXX XXXX who is retired on XXXX. 


They have affected my financial capability to pay and use my phone services.
I opened a checking account with USAA to which I set up direct biweekly deposits in the amount of {$100.00} each. My wife was a joint account holder on the account. This account served as a " sinking fund '' into which I put money aside ; there were no withdrawals, and so I did check the account balance until I was sure that a few direct deposits had been made. When I checked the balance, I discovered XXXX withdrawals totaling {$170.00} which I had not made. I knew that my wife, the joint account holder had not made these withdrawals. USAA 's customer service rep told me the funds had been withdrawn by the bank itself ( i.e. " set off '' ) pertaining to an account held by my wife PRIOR to our marriage. Thus, USAA wrongfully set off the funds for a debt that was not legally mine because that debt arose prior to my marriage and can not legally be attached to me. Further, I do not live in a community property state.
I was notified that there was an Equifax data breach. I punched in my SSN into their website and discovered that I was a victim. I have since spent hours upon hours searching through my personal information and researching how to protect myself. And the end is n't far from near. I 'm XXXX XXXX for the rest of my life.
Services were not authorized. I do not live in the state of Missouri. Collection agency never contacted me in writing about these multiple fraudulent debts.
My mortgage company will no longer take payments from me because they were not able to insure my loan and decided to sell the company and call my loan due. In turn started to report 30 days late every month that i could not pay the full balance and this is not the terms on my contract, therefore they need to remove the 30 days late per the original agreement on the contract as they have changed the terms without me agreeing to them.