WillisBack/dataset-financial-user-claim huggingface dataset:
Requested payment modification with Ford Credit on XX/XX/XXXX. Rewrite was denied XX/XX/XXXX and as of today I have been lied to be each Ford Credit Call rep at XXXX. I was told 7 to 14 days to receive my letter of declination. As of XX/XX/2019 I have not received any notification as to the declination. Also, I was solicited to defer my monthly payments which I did for the month of XXXX and XXXX and was told it would not report to the credit reporting agencies. Another Lie. My payment due date is the XXXX of the month and today, the bureaus reported a 2 month deferred payment. I just got off the phone the XXXX from XXXX XXXX, she stated they reported every month on the next day after payment due date. XXXX stated they reported to the bureaus on XX/XX/XXXX. Thats a Sunday. Lies, Lies and more Lies. She stated they do not report, however why as of today XX/XX/2019 with a payment date of the XXXX having one business day with a 10 day grace period, why would the bureaus be showing a 2 month deferred payment unless Ford reported it. Ford Credit is the New XXXX XXXX. Fraudulent and out right lies from Representatives. I also requested recording of my calls and was denied. I requested transcripts of those calls and was denied. However, XXXX said she would look at the calls as a coaching opportunity. After speaking with 6 to 10 reps and they all stated the same information on different dates and different calls. They are all Liars.
I paid collection company XXXX to remove this account from my credit report which I was told they cant remobve I would have to ask XXXX XXXX XXXX. So I called them and they told me they cant remove the account but will show paid in full. But I want them to to remove this account off my report because its ruining my credit score on my report
The complaint is against XXXX and Lakeview Loan Servicing. They have not properly credited my payments of principal reduction and continue to charge me interest on principal which I have already paid. They are not crediting my payments in a timely manner. See attached : back of check indicates it was received on XX/XX/XXXX, it was not applied to the loan balance until XX/XX/XXXX. They also did not apply my extra payment to principal as requested, but applied it to the payment due on XX/XX/XXXX. See attached letter and payment statement from XXXX. They have not responded to my correspondence.
I am a single mom with XXXX kids. My car was repossessed unexpectedly in XXXX 2016, I purchased another vehicle ; plus the cost of paying full coverage insurance made my living expenses difficult to pay for my other bills. I experienced trouble paying my rent in XXXX, XXXX, XXXX, and XXXX of 2016 which is why I went to Speedy Cash. 
At the time I applied for an LOC for {$600.00}. A young lady that works there told me about a title loan. I took it out in addition to pay for my car note and rent because I was behind on both at the time. The lady told me the interest rate would be cheaper but that is not true. I am paying about 300 % in interest and fees this is hurting me.
I was told by XXXX that I would have a monthly payment of {$84.00} after trying for a month to get them to put me on an income based repayment plan. The lady helping me asked what I needed my payment to be at after I had given her my financial information and I replied stating the payment needed to be under {$100.00}. I was told I would receive my new payment within a week, but it took them a month and I just received a message on my account that my payment was put at {$130.00} for the next 12 months. I feel this isnt right because I was quoted what my payment would be and now it is applied to my account that I will repay an amount that I communicated to them that I can not repay.
I have been with US Bank for over 13 years. I have both personal and business accounts with this bank. For sometime the bank would processes and update transaction at midnight and they would come through out bank account in the morning. Transaction included debits on our visa cards, credit charges on our visa cards, checks and returns from others deposits and banking fees. I could log into my account in the morning and if my account was over drawn I could transfer money to cover these items. within approximately the last 6 months that bank is n't timely processing our account transactions any more. It is very costly to us and incurring more fees because the our scatter among a day or two full days after the transaction was processed. Even using my visa card the items come in 2 days after. Returns from customers are showing up two to three days later, causing additional fees to our account. They seem to also be processing items all at the end of the day right at closing time, so as to not allow us anytime to cover anything and therefore cause additional banking fees to be able to be charge. I find this frustrating to say the least. I ca n't control some of this including the return deposits we get back however, now with the delayed processing of US Bank I ca n't transfer funds to cover these returns either because they do it at the very end of the day and then charge the fee. What happened? How can the processing change and delay two to three day without letting us know. How come they are not entering things as the use to once it clears over time and have it show up prior to business hours in the morning so we can transfer funds to cover theses items. This is just XXXX more of those banking scams that allow them to charge obsorbert fees and get away with. I should be able to relay on a processing schedule that has been followed for years and not be bounced around with these types of changes and without notice.
I have contacted the company and the credit bureau several times and advised them that this is not my account. This account is not listed under my social security number because it, it not my account. It should not be on my credit report. I would like this inaccurate information removed from my credit immediately.
In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a XXXX XXXX XXXX. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX  Card ) as an authorized user. She called and did so. I used the card until XX/XX/XXXX at which time I returned the card to her with no balance. 

She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
My Macy 's bill was due XXXX XXXX. By XXXX XXXX I received XXXX phone calls. The first call was at XXXX and the last call was at XXXX. On Sunday, XXXX XXXX I received another call at XXXX XXXX. On Monday, XXXX XXXX, received XXXX more calls in the afternoon hours between XXXX. On Tursday, XXXX XXXX, I received another XXXX calls. XXXX at XXXX and the other later in the afternoon.on Wednesday, XXXX XXXX I received XXXX more calls, the first coming in at XXXX and the last at XXXX. On Thursday, XXXX XXXX, I received a total of XXXX phone calls. The XXXX call was at XXXX. After which, I went online and made a partial payment to try and subside the calls. I continued to receive the for calls after I made the partial payment. Later that evening when I got off work, I called and complained about the harassment. They made a note in my file. There was no apology, just blaming the automated system they have. I can understand calling a person once a day after there bill is late, but only being late by a week should not substantiate nearly XXXX calls in that week alone.
On XX/XX/XXXX, my business partner and I purchased a XXXX Jeep Wrangler Rubicon from a person representing himself as the rightful owner. The vehicle was accompanied with a Clear, Lien Free title which we were able to verify with the state of XXXX in which the vehicle was title. We sent the title off to our agent in XXXX where we operate a business. A week later, our agent in XXXX notified us that the vehicle had been reported as stolen. How can this be if we have possession of the vehicle with a lien free title? After investigating this matter further, we discovered the previous owner, now referred to as Gentlemen XXXX, had a loan balance with CHASE BANK exceeding {$37000.00}. Gentlemen XXXX offers to purchase the XXXX Jeep Wrangler from Gentlemen XXXX and submits payment to Gentlemen XXXX in the form of a check, what type of check we do not know. Gentlemen XXXX then sends check to CHASE BANK to pay off his auto loan. 

CHASE BANK chooses to release the lien from the title, without placing a hold on the check. They did not allow it time to clear, as they 're company policy requires. Check is returned as a bad check. The premature lien release from CHASE BANK allowed the XXXX gentlemen to gain possession of the vehicle along with a clear title after apparently writing a bad check for the XXXX Jeep Wrangler. The premature lien release from CHASE BANK allows the XXXX gentlemen to resell the vehicle to my business partner and I without reason for suspicion. CHASE BANK is claiming no responsibility for the matter, in fact the customer service person in their fraud department I spoke to stated, " it is our policy to release a lien on a vehicle immediately once we receive a check for the loan amount. '' Regulation CC of the Electronic Code of Federal Regulations allows banks to place holds on checks to prevent this fraudulent activity from happening. Under subpart C of the E-CFR, section 229.38, CHASE BANK is liable for any losses incurred.
Without any notice to me, Wells Fargo took my payroll check for {$1200.00}. They list it as a PCM Offset. When I went to speak with a Wells Fargo banker about it, he said he could not talk to me about it. 
In XXXX, I was working as a XXXX. It was decided that I would get a separate checking account from my wife. As I was out of town working, she went to XXXX XXXX and opened the account for me. Her name was not on the checks. She did not have an ATM. She did not put money into this account, or take money from this account. It was my account alone, or so I thought. 
XX/XX/XXXX, I had an overdraft protection account with Wells Fargo. I went to transfer funds from this account and found it was closed. I went to the XXXX Wells Fargo branch and talked with the banker. He said that my wife had a loan that was overdue so they closed my overdraft account. I asked about her loan and he said that he could not tell me about it as my name was not on the loan. I asked why they had closed my account and he said that her name was on this checking account. I told him that was wrong, this was my account alone. He said since she originally started the paperwork on this account, her name was on the account. I asked him to remover her name, he said that I could not do that, she had to. I talked with my wife and she went to Wells Fargo to have her name removed. I paid the money I owed on the overdraft account. 
On XX/XX/XXXX, I received my payroll check for {$1200.00}. On XX/XX/XXXX I logged into my online Wells Fargo account to pay bills. It showed that {$1200.00} was withdrawn from my account showing " PCM offset ''. I went to the Wells Fargo branch to ascertain what had occurred. The banker told me that he could not tell me, but alluded that it had to do with my wife being on my account. I told him that she had been removed from the account XX/XX/XXXX. He said that, no she was still listed on the account. I went and picked up my wife and we returned. I was told that she had an account that was in arrears and they had taken my payroll check. My wife showed that she was paying on this account that was in arrears. She had made a payment on XX/XX/XXXX. He said that there was nothing he could do. 
On XX/XX/XXXX, this banker said that he tried to get the money refunded but they refused. 
I have had this account since XX/XX/XXXX. I pay all my bills with Wells Fargo and other creditors. Had I known this money was owed, I would have worked to correct the problem. I strongly resent that they arbitrarily seized my payroll check. 
I would like this money refunded to me. I have bills of my own that I planned to pay with this money. I never authorized this withdraw or had any knowledge of a debt. This was my account alone, regardless of what some banker had written.
I was denied credit because Trans Union had a collection notice on my account that should have bene closed in XXXX of 2012. ( Office XXXX billed me and I did not pay because I already paid ). Called Trans Union and their foreign call center said they could not take it off that day, even though I had all the information needed. I was told it would take up to 30 days which is unacceptable.
XXXXXXXX XXXX calls my phone multiple times a day. Calls from different numbers multiple times a day in attempt to collect debt. leaves messages, but continues to call after messages have been left. Leaves intimidating messages. Calls from private or blocked numbers. does not state where they are calling from in messages left. Calls my mother repeatedly, and they already have my address and phone number to locate me. They disclosed to my mother my debt with the company and i have NEVER given them permission to contact her, nor is she a co-signer on the card or affiliated with the account in any way. Planning to pay what i can tomorrow when i get paid, but do not appreciate the harassment.
On XX/XX/2016 I received a call from XXXX XXXX XXXX. I spoke to XXXX XXXX. He reported he had an investor whom wanted to purchase my timeshare. I received a welcome letter. He requested a high resolution drivers license picture ID and to sign the letter of intent. He then returned a call and stated the sale would go to the senior escrow manager XXXX XXXX. Both XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX in XXXX Colorado were very convincing. XXXX XXXX stated I would need to pay closing fees. This fee would be {$5100.00}. He then explained the buyer would reimbursed the fee. He was very convincing. The wire transfer via an intermediary bank.. This bank was XXXX XXXX XXXX. Next the escrow representative stated XXXX would need to pay XXXX % tax as I allowed family and friends to use this timeshare. even when stating I never received any compensation, XXXX XXXX indicated I would need to be registered as a international investor. This would allow me to sell the property. This time the cost to register as a foreign investor would be {$6800.00}. Once this was paid the scam continued. When I questioned him he indicated the buyer would get me for breach of contact. When XXXX XXXX stated the Bank in XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) was refusing to release the escrow account. " The following XXXX XXXX XXXX ( XXXX ) Wire Transfer Confirmation XXXX has been retained for delayed deposit, uninsured payments, and security reasons by XXXX with the intent to combat XXXX XXXX Money Laundering. When I became desperate he indicated the last step would be for me to take a policy from XXXX. He indicated this would allow the insurance to help bridge communication between the bank and the seller. cost for this was {$9300.00}. Once I paid this, XXXX XXXX and XXXX XXXX stated the claim would be paid. The issue, this time I needed to pay the deductible. This deductible would be {$15000.00}. When I began questioning the both neither could provide details to this policy.
I have XXXX high interest, private student loans with Navent that have been in default for years due to my inability to repay back the loans. I was a student at XXXX XXXX XXXX from XXXX XXXX and graduated with a XXXX in XXXX XXXX. After graduation, I found it very hard to find a job in the field of study. No agency I have applied to accepted my degree from XXXX because XXXX education did not meet the educational requirements to obtain a job in the XXXX XXXX XXXX. I have notified Navent numerous of times and I even attempted to try and repay for 3 or 4 months in XXXX but it was too much of a hardship for me so I had to stop. I explained that I could n't continue and they kept harassing me at work, at home, etc demanding repayment. I have asked them repeatedly, how am I supposed to pay for a degree which is basically a 'blank piece of paper ', in my field, when I can not even obtain a job in that field? I felt that XXXX should repay back the loan. 

XXXX is filing bankruptcy and it was announced yesterday that, you, CFPB is suing Navent for illegal practices made it harder and more costly for some borrowers to repay their student loans. And now today, Navent ( their collection company ) decides to call me again, today demanding I repay the private student loans in full. Loans that totaled approximately {$12000.00} when I graduated in XXXX and is now at approximately {$25000.00}. I am currently on the income-based repayment plan for my federal loans that is at $ XXXX monthly payment because I can not afford to repay and yet knowing full well I ca n't repay, they are demanding I pay in full the Private loans? Why? Because CFPB is suing? I need help.
XXXX on XXXX, WA XXXX. I took out a payday loan and ran into financial trouble with unexpected medical bills, on top of rent and my car needing new parts. I tried to set up a payment plan with the company. Anything really instead of paying the {$570.00} all at once which would overdraft me and cause me to be unable to eat XXXX drive, or pay for rent. I told them not to charge my bank account because there was no money in there but they have n't seem to have got the message in the past month. I gave my bank a stop payment order but each time the company Checkmate tries to take out the {$570.00} it costs me {$35.00}. I just need them to stop trying to charge my bank until I can get back on my feet again, or until they can work with me in order to come up with a payment plan.
After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

ACCOUNTS XXXX XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX paid in full XXXX XXXX never late XXXX XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX XXXX XX/XX/2013 {$340.00} not mine XXXX XXXX XX/XX/2014 {$830.00} not mine
Multiple wrong # phone calls made with an auto dialer from TD Auto Finance, no tcpa consent given. Efforts made to answer calls with no one on the line, and contact made and advised that wrong # and do not contact request given, continued calls the same day and the following day. 

Date Time Note XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX   Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX   Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Answered to advise Do Not Contact, no one on the line for several seconds then they disconnected the call.

XX/XX/XXXX XXXX XXXX Answered spoke with a female who asked for XXXX XXXX or XXXX?, advised that they have the wrong #, not to contact this phone # again that this is a place of employment, agent said have a great day and disconnected the call.

XX/XX/XXXX XXXX XXXX   Called again the same day despite previous Do Not Contact request, answered to advise of this, but no one on the phone for several seconds and then they disconnected the call again.

XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail
I bought XXXX gift cards from my local grocery store XXXX XXXX XXXX part of XXXX ) issued by US Bank on XXXX XXXX, 2015. Each gift card was loaded with {$500.00}. 
Within a week of so of loading, the money was already drained from the card fraudulently. I filed a dispute with US Bank, the issuer of the card the moment I realized the theft. US Bank did not ask me to fax in copies of receipts until XX/XX/XXXX, which I did promptly. 
So far, the only response I am getting from US Bank is we are waiting to hear back from the retailer where the funds were used.
XXXX put a debt back on to my credit report because they said the " collector '' says that debt belongs to me with no proof. The original creditor sold my debt to AArgon Agency Inc for {$430.00} and now with interest the debt is {$470.00}. If I 'm not mistaken under the Fair Debt Collection Practices Act, if your debt has been sold that means the contract you had with the other company is voided. I already researched the original creditor writes off the debt on their taxes and then sell it to an Agency to make a profit even though the debt has been debted on that consumer.
Debt is not mine XXXX XXXX has yet to provide to proper validation of this debt this is my 4th time asking for proof and have yet gotten it
XXXX   XXXX   XXXX    : I finished my 9 month student loan re-habilitation to get out of default and my loan was transferred to Great Lakes.        XXXX   XXXX   XXXX    :  I setup a {$1 60.00} monthly auto-pay through Great Lakes at mygreatlakes.org for the   XXXX   of every month.   I make a {$160.00} paymen t ( not a uto-pay ).         XXXX   XXXX   XXXX     : I receive notification my  XX/XX/XXXX  payment did not go through due to " invalid routing number '' they say.   I contacted support and they re-entered all of my banking information.   Support says its fixed, but my  XXXX  payment is never processed.       XXXX   XXXX   XXXX   : I receive a notification I am enrolled in auto-pay for {$160.00} and my next payment will be withdrawn on  XX/XX/XXXX    XXXX   XXXX   XXXX   : My first auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be  XX/XX/XXXX    XXXX   XXXX   XXXX   : My second auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be   XXXX     XXXX   XXXX   XXXX   : No auto-pay is made, and I am not aware of this until I check my account statements in  XXXX .       XXXX   XXXX   XXXX   : They withdraw {$69.00} for an auto-pay on a date I did not schedule, and an amount I did not authorize.       -- -- I am going to make an attempt to correct this with their support on Monday, but I feel this is a pretty grievous mess-up on their part and am very concerned my loan status could be affected by their mistakes.     I also feel like they are doing this on purpose so that now I have to pay more interest ...