WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making my payments on time since I graduated in 2014. It started XX/XX/XXXX when I received a phone call from the company stating I owed over {$2000.00} even though I received a statement each month and it showed I owed {$0.00} for the month ( I still made the same payment I had been making of {$300.00} each month even if it showed {$0.00} due ). I stated this on the phone to the agent and I got escalated each time and the the 3rd agent agreed with me that something seemed wrong and that I had in fact been making payments. He indicated he thought something with wrong with their system and my account it they had recently gone through an " audit ''. He said he would send this to their expert for research and to not make the $ XXXX payment their system showed me as owing, but to still make my payment of {$300.00} on or before my normal due date of the XXXX. 

I never heard back from the company and called every two weeks or so until my loans finally I reached an agent who could explain the situation. Meanwhile my some of my accounts ( but not all strangely ) were reported to the CBR 's as past due which tanked my credit score and is preventing me from getting a more favorable rate. When i spoke finally with an agent, it seemed their system inadvertently miscalculated or messed up my account and they were going to try to fix it. 

I was told they would reach out to me once it was fixed but never heard back from them again. My accounts were finally reported as current to CBR but my score still shows past due payments on my account and my score has not gotten better. In addition, I never received any follow up from the company saying it was taking steps to fix my account or my credit they incorrectly reported. I did receive a few days ago finally a letter which does show my account not messed up anymore, but nothing still from them regarding fixing my credit or any other restitution due to the stress and impacted credit score they caused. I will be reaching once again to the company after submitting this complaint. I feel this was unfair and abusive towards me which caused me harm. I am making this complaint in an effort for the company to take notice and not just file my account away as one more statistic and hopefully someone takes action.
On XX/XX/2018 I was involved in a car accident where it was decided as a total loss. My insurance provider then began the process to pay off the lien holder { Navy federal credit union ). The cash value determined of my car by my insurance company was XXXX leaving a balance of XXXX on my auto loan. I then opened a gap claim with navy federal being I had paid for it when I opened my auto loan with Navy. After reading over the disclosure statement it gave details that navy is to pay 150 % of the cash value towards the balance, also stated in the disclosure their is an example given on how the process works. 

Navy refuses to apply the full 150 % to my balance, leaving me responsible for 727.00 ( est ) balance. I was told Gap was to cover the balance left on my loan and that is not what the service is providing. This service comes off as fraudulent because what they are paying towards the balance is only a little over 3,000. that is below the 150 % stated to be paid via the disclosure agreement, it would seem they are only paying the remainder of XXXX being XXXX was paid also the check was in the amount of XXXX, so do I even get money back being they not including the full check amount? This is not what is being advertised or even disclosed in the agreement. 

I am waiting to hear back from a supervisor being every representative could not fully explain why their process contradicted the disclosure statement, and why they are not going to apply the full 150 % themselves to the remaining balance
My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( Experian XXXX, XXXX  XXXX, XXXX   XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.
I have a vehicle lease with   XXXX   XXXX    XXXX .   I was told that I have been missing my first payment and have been late ever since. I have made multiple calls correcting the issue and even paid the late fee once. Currently, they are still compounding my late fee again and it has risen unto {$260.00} I have made repeated requests to correct the issue but no action has been performed by the company.
I received an email from XXXX XXXX XXXX on XX/XX/2019. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with XXXX XXXX with XXXX XXXX for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from XXXX XXXX with a response from XXXX XXXX XXXX XXXX through XXXX XXXX from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application. If the web forms that I used to inquiry were to be reviewed or if the phone conversation was to be listened to if it was recorded it would be evident that I was applying for a conventional loan and that I declined due to being offered an fha.
X - XX -17     STATEMENT Ive been disputing with  American Express for a while now and really feel disgusted with American Express treating me poorly, handling my account carelessly, and convicting me for something I didnt do, and continously victimizing me over and over again. Ive been with American Express for 5 years and never filed any claims or had a problem till now. How dare I even try to resolve my dispute regarding unauthorized transactions I didnt do. American Express stole my money and falsely   advertise how they protect account holders with the best fraud detection technology, but instead victimized their account holders by accusing them of authorizing transactions, refusing to provide documentation, refunding money, refusing to send documentation on their findings, and think they will get away with it by hanging up on customers, making them hold on call for a while, refusing you to talk to their supervisor, and locking you out of your account during claim process.  <P/> From   XX/XX/XXXX  to  XX/XX/XXXX  was  the total time  American ex press investigated over  XXXX  transactions. How is that possible? Ive requested doumentation and videos by phone and writing from  American Express to s end and prove that I did transactions, and they always were rude to me and refused to send documentation.  <P/> I contacted many account representatives and they would not return my calls, also sent me an email saying they called but really did n't and gave me a number that doesnt even have a way to return call or leave a message.   Ive contacted numerous account representatives at  American Express and they all    sent me an email with a copy of the only denial letter Ive received. Not one account representative contacted me and they all blew me off by sending exact denial letter. Unacceptable behavior, mocking me, treating me like a criminal, and playing games with my account. These are unprofessional, low class, ignorant, greedy people who represent American Express. Im sure I am not the only one who has been disrespected to the fullest.
<P/>
Just because I filed a claim, they immediately locked me out of my account. American Express assumed on the phone, when I didnt have a police report at the time, but i did submit one the next day, they maliciously made sure to tell me that I was lying. As you can see American Expres   s chan ged all the transaction dat es to  XX/XX/XXXX  when in  fact, when I talked to a representative he read me out all different transaction dates.  <P/> Th ey never sent me anything by mail in regards to claim. No bank statements either when Ive asked for them since American Express locked me out. Ever since Ive filed a claim, they made it impossible for me to see my bank statements. The only way I knew something was wrong with my account was being told by one representative the correct dates and transaction amounts.
I recently had noticed that a collection agency had placed a negative report on my credit report with XXXX. I have disputed the validity of their claim as I did not open an account with this company, XXXX XXXX XXXX XXXX. After disputing this claim with both XXXX and the collection agency for XXXX XXXX XXXX XXXX, I was informed by Southwest Recovery Services that they knew the date they reported to XXXX was incorrect and they also informed me that their client had purchased the account from a pay day loan operation and re-aged it to XXXX. The original date on this account was XXXX XXXX but changed the date in order to place it upon my credit file. This company did not even have a correct name or address for me and was using an old name and address to report this file. If I am reading the Fair Credit Reporting Act correctly offering a fraudulent date to place this on my credit is against the law. This company states that I owe XXXX but has not produced any proof or even a bill to me in regards to this, and I do not remember getting a loan from them on XXXX. From what I understand there is no paperwork they can send me as proof. I hope that you can help me to resolve this issue. Thank you!
This is an appeal of a decision made by Wells Fargo against me. I initiated a complaint several months ago stating that I was the victim of a predatory lending scheme and was told today by XXXX XXXX at Wells Fargo that my claim was denied and my case had been closed. No reason was given. I had previously tried to speak with XXXX XXXX but she did not return my calls. When she called to tell me that my claim was denied, I asked why she had not returned my calls. She stated that she was " too busy. '' I would like this matter to be re-opened and researched by a third party ( not Wells Fargo ). They have proven themselves to be unethical and unreliable and clearly can not conduct a fair investigation. I was not asked any questions by Wells Fargo during their so-called investigation. They unilaterally decided that I had no basis for a case. I respectfully request that my case be reopened and reexamined by a neutral third party. Thank you. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
XXXX XXXX Bank and their second collection agency are in violation of the Fair Debt Collection act. The First collection agency assigned to XXXX XXXX was satisfied and paid in full. Now in XXXX XXXX Midland Credit Management became the owner of debt that has already been paid. I am tired of this nonsense, and so is my attorney and he knows California Law and that the debt can only be assigned once. Please help. XXXX Creditors have been notified to remove these items from my credit but to no avial, I keep getting the run around. I greatly appreciated your help! Thank you. I have disputed with all three credits bureaus and they still wont remove these debts that have been satisfied.
On XXXX I purchased a XXXX XXXX from XXXX XXXX financing was being done by XXXXSantander..I executed all documents and assumed it was complete.The process was choppy and confused as signing was rescheduled and when I finally picked up the vehicle things seem to be resolved and I signed a XXXX XXXX XXXX contract on XXXX that was dated XXXX left with the vehicle on XXXX and got a ticket for no inspection sticker even though it was supposed to be included and was listed on the itemization.Then the real problems began and I received a call from someone at XXXX saying that I needed to fill out another application on line because the loan was not being " funded '' by XXXXI did that and received subsequent calls from XXXX trying to sell me another car??? On I received several subsequent calls from XXXX saying it was all set and then it was n't and I needed to do another XXXX  application??? The entire situation was ridiculous.They had my downpayment, I had signed all the loan and ownership documents but apparently there was some probllem between XXXX and XXXX XXXX I spoke to XXXX in XXXX to I believe a XXXX XXXX, who said she thought it was all set and that I should check with XXXX so my father and I called XXXX and spoke to a XXXX  and XXXX in Internal lending and they confirmed that there was some " irregularities '' with the loan because the vehicle was exchanged on XXXX.I advised her that that never happened.Apparently XXXX was trying to cover up for some internal errors with their documentationShe then was emphatic that we should be all set because the numbers matched on the application numbers and the loan would be funded.This funding issue was not my problem but we thought it was resolved.We even discussed when the XXXX payment would be due because now all the dates were different.She said it would n't be until XXXX days after the funding date and I would get a statement and interest would only accrue from the funding date. 

On XXXX I received in the mail a notice that the car would be repossessed unless I came up with XXXX?? This is insane the dealer did the financing and apparently had some clerical issue with the funding source and this is somehow my problem? They are trying to hold me responsible for their internal error.I have no issue paying the loan but it is unfair and deceptive to hold me accountable for their errors.They also violated fair credit with the errant disclosuresThey are a mess and this was ridiculous.I buy a car with XXXX XXXX  interest with dealer provided financing and I am responsible because they XXXX up?????? They are holding me responsible for their internal accounting and procedures.
Hello, the house that I am currently staying in is going into foreclosure. The main chunk of this problem began when the member of family, also one staying in this house, did not notify me of any form of delinquent payments. They have been stacking up since XXXX of 2015, and I was not made aware of this until last month. It was also the end of last month when we got up the spare money to pay up the delinquent payments. Though the bank refused to accept the money, telling us that the house is being foreclosed upon. 
The reason they do not want to talk to us is because when our mother died intestate, and had no will. Her death was approximately two years ago, I was told that a lawyer was being talked to for probate. However, I do not know how legitimate these claims of my sister are. 
I would like help to get the house payments current, as it is today on XXXX XXXX, 2015 the amount owed is approximately {$2900.00}. I, have a vested interest in keeping the house, where as XXXX of the XXXX of us siblings do not. The third, my elder sister, does not seem to have a vested interest in keeping the property. I will also be consulting a housing counselor to see what can be done. I will also be writing a letter and sending it via certified mail, after obtaining assistance form a counselor. 
I do n't know if it will have this on a later step, but I do make enough money to pay easily up to {$600.00} a month on the mortgage. If there is anything else that needs to be obtained, I am free to be talked to about this matter. I do also have the FHA number that can be given at any time, if necessary.
I have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XXXX  and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all 3 credit reporting agencies regarding this matter.
I have disputed the account for XXXX through the credit bureaus. The results came back as meet FCRA requirements. 

XXXX need to provide documentation showing that I opened an account with them in XXXX XXXX. I never opened an account with XXXX in XXXX. 

I am asking for them to delete this account from my credit reports if they can not provided documentation showing that I opened an account with them in XXXX. 

And how can I owe on an account that I never opened in XXXX. 

And also to note, I have the proof showing that they removed the account from my credit and then put it back on my credit stating that I dispute and meet fcra requirments. 

This is not fair for them to report false information on my credit saying I opened an auto loan and XXXX. I never opened a loan in XXXX with XXXX or any auto lot. 

Please can this be resolved? I would greatly appreciate it. 

Thanks.
Chase bank is reporting a charged off credit card on my credit file. I have requested the debt be validated and have yet to have any documents furnished. I recently recieved a cancellation of debt from the IRS on XXXX/XXXX/2015, which shows that Chase has written off the debt and has left with the tax burden .Also they are reporting and still actively trying to collect the full amount of the debt as of today.
I am being collected upon for charges that have already been paid, as well as for charges that are not my responsibility.
customer service refuses to help me. I have also sent several certified letters and inquiries were not investigated.
I monitor my credit burea u FICO scores thru my credit card companies. My FICO score for the last year has been in the vicinity of   XXXX  XXXX , last month it finally raised to  XXXX  this increase coincides with an increase at  XXXX  of the other credit bureaus. Today I received notice from my credit card company of a change in my  FICO score with Trans Union and viewed it. My FICO sc ore dropped  XXXX  points to  XXXX  from  XXXX  I contacted  Trans Union and  spoke to a representative named  XXXX  employee #  XXXX . After speaking to her it was determined that there was no negative changes or other changes from last months report or any changes for the last several months I wanted to know why the drastic drop. She sited a delinquency from  XXXX    XXXX   that will stay on my report for 7 years. I explained that that has been on my report for over 2 years now and the effect over time diminishes with no other changes on the report and should put me in a more positive position regarding my FICO score. After no reasonable explanation of the drastic change I requested who I can contact to make a complaint regarding the poor reporting and poor customer service. It is my understanding and belief that th e FICO score cur rently reported to myself is incorrect and improper and should be corrected to the higher amount.
I have contacted the credit bureaus XXXX XXXX XXXX   about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX
I 'm XXXX XXXX XXXX, and the principal on my student loan has doubled the amount I borrowed nearly 25 years ago ( $ XXXX for both XXXX and XXXX ). I 've been paying monthly on-and-off ( between deferments ) for about 16 years, amounts between $ XXXX $ XXXX. I 'll restate : I 've been paying my student loan for 16 years, and none of my payments have gone to the principal of the loan, which, if applied correctly, would have been paid off by now. ( I 've calculated I 've paid nearly $ 40K over the span of 16 years ). 

I had federal loans originally. Then I consolidated with XXXX XXXX. XXXX XXXX gouged me with capital interest, then, when they were having legal troubles, cleverly split their company off to the company I now deal with : Navient. 

For someone like me : XXXX XXXX XXXX, been out of college for 20 years, consistently paid what I could throughout the years, there is no hope of help for me. I have literally just given {$40000.00} of my money away. None of my payments have gone to paying my loan. And I am in more debt than when I started college. I believe when XXXX XXXX approached me when I was XXXX XXXX XXXX, I was the victim of predatory lending practices. All I wanted to do was go to school so I could better myself and get a good job. Now I 'm {$100000.00} in debt. I ca n't even buy a home and it has affected my credit. I net $ XXXX a year. I need to CFPB to help me finally resolve this issue -- call it even. I 've paid them {$40000.00} and there is no end in sight. At this rate, I 'll be XXXX XXXX XXXX and still paying on my student loan!!!! There must be a point when loans are waived -- beyond public forgiveness. Is n't there a XXXX threshold? HELP. I 'm drowning in student loan debt.