WillisBack/dataset-financial-user-claim huggingface dataset:
I got a car loan XX/XX/2018. My car loan was sold back to dealer due to dealer overcharging and adding extra fees. I was not informed that the dealer bought back loan on XX/XX/2018. I continued making payments to finance company and they kept accepting it until I checked my balance on XX/XX/2018. It shows payment excess of {$510.00}. I call about it. I was informed I had to wait 21 business. I wait well past the 21 days and then was informed that they don't have my money that they gave my money to the dealership. I did not authorize that.
I requested for mortgage assistance with Chase several times and only qualified for the program short sale or deed in lieu of a foreclosure. I accepted the fact that I had only the option of the short sale. In XX/XX/2016 the house was placed on the market as a short sale. The house had a offer within two weeks of being placed on the market. I contacted Chase to see if I qualified for the HAFA/Relocation assistance. The Chase representative looked into my account and told me I was eligible for the HAFA assistance at the full amount of {$10000.00}. My realtor has been very timely in sending Chase all documents needed for the short sale. Since the offer has been submitted in XX/XX/2016 Chase has been dragging their feet in this process. Now the HAFA/relocation program has expired XX/XX/2016 and Chase is telling me I no longer qualify for relocation assistance, even when my home was listed and going through the process prior to the XX/XX/2016 expiration date. I feel my account and loan should still be honored for the relocation assistance. I 'm making sure the property is being taken care of and has not been abandoned through this process and feel Chase should grant me the relocation assistance that I originally qualified for.
I have told XXXX XXXX whose number is XXXX several times that my husband has lost his job and will be back at work at the end of this month. Via email and phone. Today I get a harassing text and phone call from someone stating that they are an investigator named " XXXX '' and that they are calling the Sheriff to come to my house. This was also communicated to my parents and friends I have listed as references on this motorcycle loan. The person than began to text message me repeatedly after I asked them to please stop. This has caused more stress than our financial situation we are currently going thru. I want this harassment and threats to end. We have never been late on any payments until this loss of employment happened. We should not have to deal with such harassment
I took a loan out with this company in XXXX of 2016. When I took out the loan I understood what the initial payment would be and was told that I would pay lower increments each month. However, I did not understand that the interest would decrease at the slow rate in which it is currently decreasing. Because last month was XXXX and personal and property taxes were due. I was unable to pay the minimum amount of XXXX. ( I have been paying an excess of XXXX a month on this XXXX loan since XXXX with the first payment being 0ver XXXX ) I therefore, contacted the company and agreed to pay {$350.00} of the balance. I was told that the addtional would be added to the balance of XXXX 's payment. Now, this month they are showing a minimum of XXXX. XXXX due and with the additional amount left from last month. I am having to pay {$660.00} this month. I called the company to see if a lower payment could be negotiated and was told that an arrangement could not be made on an arrangement. I am totally frustrated with this loan company. I borrowed {$3000.00} from this company in XXXX with 160 % interest rate, I am scheduled to make monthly payments for a year. I read an article about another payday loan company overcharging in interest rate for consumers of Virginia and realized at this point that I, too, am being overcharged in interest rates. The comapny I am referencing is Opportunity Ficnacial, LLC. I am seeking assistance in getting lower monthly payments and adjustment to my interest rate.
The employer address on my credit report is wrong. My employer, XXXX, is not located on XXXX in XXXX. The correct address for XXXX is XXXX, CA XXXX. XXXX
I previously had a student loan serviced by ACS ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XXXX/XXXX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; ACS is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to ACS by phone on XXXX/XXXX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX XXXX and XXXX & sent them supporting documentation. XXXX is still investigating the dispute, XXXX has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say ACS validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
NOT MINE, DID NOT GIVE ANYONE WITH THIS NAME PERMISSION TO INQUIRE ON ME!!! 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXBusiness NameXXXX XXXX XXXXInquiry DateXXXX/XXXX/2015Business TypeFinance Companies- non specific
On XXXX XXXX, 2015, Citizens Bank accepted documents from their customer for a loan refinance. Those documents were stolen from me by their customer and submitted to Citizens Bank without my knowledge or permission. On XXXX XXXX, 2015 I became aware of the theft and contacted Citizens Bank informing them they were not to be used in any type of financial transaction and that they were to be returned. 

Over the next five days I spoke with, emailed and left messages with XXXX XXXX, XXXX XXXX, Customer Service ( both general number and emergency rapid response ) informing them the documents were stolen and not to be used. 

Despite knowing the documents were stolen and not to be used, one week later Citizens Bank submitted them to XXXX XXXX for funding a loan. 
Citizens Bank has been asked the same question repeatedly and they have ignorantly responded over XXXX times ignoring the question. First, I did n't call you before they were stolen to speak with you because I did n't know they were going to be stolen. However, I did call within 24 hours after they were stolen to inform you they were stolen. So do n't respond by saying " you had no correspondence before you received the documents ''. It is not reasonable that I would call you before I knew the documents were going to be stolen. 

YOU KNEW THEY WERE STOLEN WHEN YOU SUBMITTED THEM TO XXXX XXXX. I do n't care what you knew when you received them from your customer. When you submitted them to XXXX XXXX you were committing Identity Theft. Give them back to me. You sound stupid when you write " I am a third party. '' They only have my name on them, if I am a 'third party ' why do you have them? You are in possession of stolen documents. Give them back to me. 
The loan you submitted to XXXX XXXX for funding is based on stolen information and according to the XXXX XXXX document contained on their website : Fraud Mitigation Best Practices Single-Family XXXX XXXX FraudIdentity fraud involves someone wrongfully obtaining and using another person 's personal data, typically for economic gain. 
The documents are mine, they only have my name, they were wrongfully obtained and both Citizens Bank and the borrower gained financially. Citizens Bank added a refinance loan to their portfolio and the borrower benefitted from a lower interest rate. 
Terminate the loan Citizens Bank submitted because Citizens Bank knew they submitted stolen documents.
To whom concerned : I received paperwork from Ditech Mortgage my Homeowners/Hazard Insurance for property XXXX ( account number XXXX ) was expired or cancelled dated XXXX. I have no Insurance Escrow on this house and have been paying this Insurance since the mid 90 's. The enclosed current Bill statement from XXXX dated XXXX shows a prior balance of {$600.00} and a current balance of {$550.00}. The next Insurance payment will be {$58.00} due XXXX. Policy coverage on Bill statement is from XXXX to XXXX. I have no record of XXXX cancelling or policy expiring. I also have enclosed current Insurance Policy, Number XXXX showing current protection for XXXX. I am writing this letter to your Bureau today- XXXX and will be faxing the proof of Insurance ( Hazard ) and current XXXX Insurance Bill along with sending these Certified Mail XXXX to Ditech . I also sent you ( CFPB ), Ditech 's letter stating Hazard Insurance expired and/or cancelled. Ditech explains in letter that I have 45 days from XXXX to send them required proof of insurance. I will send you ( CFPB ), Certified Tracking Number after mailing subject paperwork to Ditech. I am informing you prematurely since Ditech as not officially assumed responsibility of paying Insurance. 
Respectfully I want to Thank You for your assistance and professionalism that you have provided, clarifying confusion and error in a ever changing mortgage world.
I received a modified second mortgage from XXXX in XX/XX/XXXX for a 15 year, {$15000.00} balloon originating in XX/XX/XXXX, but was not informed that the modified second mortgage was negatively amortized, raising the balloon payment to {$55000.00}. I learned of the toxic loan from a third party when trying to restructure loans.
The allowance of easy deferment after 10 years my original loans were at about XXXX now are at XXXX. Financially devastating to make XXXX month payments. Please help me understand what options I have for resolution
I have had several errors removed from my credit report from Transunion. There reaction was to remove the errors but drop my score XXXX points. There is now a almost 100 point difference between Transunion and other agencies. Is that ethical? How can removing an error result in a decrease in the credit score. 
It would be very kind if you could advise me if that is ethical behavior. If not, can any action be taken. 

Thank you in advance for your help and support. 

Kindest regards, XXXX XXXX
My mortgage was recently transferred to a servicing company LoanCare, a XXXX XXXX. When I called to setup XXXX payments the servicer said that they could not accept XXXX payments and only accept XXXX payments. They, in turn, offered a service through a third party company, XXXX XXXX. XXXX XXXX charges a fee to collect XXXXXXXX payments of {$290.00} and then roughly ~ {$2.00} per XXXX payments. This sets me at a detriment because I am being forced to choose between paying this fee or paying monthly. Either way the servicer is maximizing fees or maximizing interest at the expense of the customer.
Heartland Payment Sytems refuses to create a license so that I can process on there system with other credit card providers. They installed a system for over {$10000.00} that does not work the way it is intended or that we were led to believe. They keep telling me they are working on the licenses but it never get done. This in an effort to make us use them for credit car processing. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all are of this problem and have either chosen to do nothing or just tell me for over XXXX months that it will be taken care of soon.
I am submitting a complaint against Ocwen for failing to fulfill their commitment to proceed with the short sale of my primary residence. 

I am requesting a short sale of my primary residence. I have XXXX mortgages. The XXXX position mortgage is with XXXX and the XXXX position mortgage is with Ocwen. My representatives for the Short Sale are XXXX XXXX and XXXX XXXX with XXXX XXXX. 

My representatives contacted Ocwen on my behalf to request a short sale. Ocwen initially denied my short sale request. However, after further negotiations, Ocwen verbally indicated they would honor a short sale should we obtain HAFA approval with CitiMortgage. We have since secured HAFA approval with CitiMortgage. However, Ocwen is now denying the short sale.
My reports shows I lived at an address I never lived at and was reported on XX/XX/XXXX by ACS/XXXX  XXXX XXXX and/or creditor it was sold to-XXXX XXXX XXXX on XX/XX/XXXX. 
ACS/XXXX XXXX XXXX XXXX Account opened on XX/XX/XXXX. It also reports on XX/XX/XXXX I was 90 days late and on XX/XX/XXXX 60 days late. I have sent in copies of divorce decree showing ex husband is responsible several times over the years with no update. The loan is closed as of XX/XX/XXXX. He received the bill while he was living in Virginia while account still open and was making payments as of XX/XX/XXXX and I did not receive a bill as I lived in Pennsylvania. It shows he paid XX/XX/XXXX and then suddenly was 60 days late the next month of XX/XX/XXXX and then suddenly 90 days late on XX/XX/XXXX. How is that possible? I was not aware of this bill and have asked several times that this delinquency be removed from my credit report.
I am having issues with citi bank on my sears card and XXXX XXXX XXXX  there is fraud on my accounts and they keep calling to harass me over and over they call over 10 times a day and think it is okay. They refuse to listen and ignore any letters and faxes sent by us. They threaten to charge the debt off and put it on our taxes when over 99 % of the amounts were fraud and they sent us papers and we told them to stop calling and they refuse to. I am sick and tired of this because they are clearly breaking laws and they think it is okay. We want them to work with us and apologize for things and send us a written letter about things and such. They only call and refuse to send us anything in writing about the debt only when we request it they keep finding it to be a real debt when it is not just because the card was used the chip. Anyone can clone it and it is really not that hard like they think. Plus we had issues with another person under by name as well. I am very mad about this and they are breaking multiple laws and I want compensated for the laws they are breaking we are getting a lawyer because of the fake things they say are true.
I owe for a past due utility bill from XXXX. I received a notice XXXX XXXX that I owe {$90.00}. I responded back XXXX XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XXXX I received proof of the outstanding balance. I called the utility company several times over a 2-3 week period, finally received confirmation that the balance exists. XXXX XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.
{$1700.00} was fraudulently charged on my husband 's debit card from our joint checking and savings accounts from the of XX/XX/XXXX until XX/XX/XXXX. The charges were in amounts under {$100.00} made multiple times at the same XXXX and XXXX in XXXX XXXX XXXX California. Most of the charges were done for the same amount multiple times within the same day. They were made while my husband and I were both at work and on vacation at stores we never and have never shopped at. In a town we do n't live in. We reported these charges right away to Bank of America. The funds were then returned to our accounts and the fraud department was supposedly taking care of it. A month later the fraud department suddenly changed the ruling of those claims being fraud and pulled all of the money from our savings and checking accounts making them negative {$550.00} with additional over draft and low account fees. We called Bank of America right away with this on XX/XX/XXXX, and were told we would be called witchin 24-48hrs. No call was received so I then went to our local branch on XX/XX/XXXX.They contacted claims where we were told a letter was sent to us about all of it. We never received any notifications. We were told then the claim would be resubmitted and again would be contacted within 24-48hrs. Again no contact. I emailed the accounts manager I had talked to that day at the branch as she had told me to the previous day if I had not heard back in 24hrs. On XX/XX/XXXX I again called the claims department asking about the status of our refund. They said they would expedite it again and I should be notified by the following day. The accounts manager called me as well saying to let her know if they refunded my money by the next day or if not she would have her manager take charge of the claim. Still no response or money returned. My husband called again XX/XX/XXXX where he was told the claim had been restarted all over so we would not be getting any kind of response until XX/XX/XXXX. I called XX/XX/XXXX and this time was told no claim had ever been filed. This is now going on two weeks with our checking account in the negative and our savings completely wiped out from charges we did not make. Bank of America is claiming since my husband 's chip and or pin was used at two of the transactions and since they were not large sums at one time that it was n't fraud. Whether is was small amounts over time or one page purchase {$1700.00} was stolen. We were on vacation literally watching the charges appear on our account through our mobile banking app and unable to do anything about it. We called XXXX XXXX like we were told. We would have called the moment w saw it but over XXXX XXXX weekend all the claims/fraud offices were closed so we couldn't.A bank that is suppose to protect our money and help us when things like this happen is blaiming us and letting criminals steal our money and charging us extra for it. We ca n't pay our bills, we have no money and all because of this.
Navient improperly calculated the monthly payments on a series of student loans by improperly using a shorter repayment/amortization schedule than was contained in the loan document. This has led to significant acceleration of the debt repayment and has caused financial harm and hardship in making higher payments than were required.
I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX  all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX  failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from Equifax, XXXX, and XXXX. 

XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX  - XXXXXXXX XXXX
I have disputed a reporting bankruptcy that is n't mi ne 3 wi th times. They continue to verify it saying the court furnished the information. I have sent a copy of the letter from  the Clerk of Court  in  XXXX  SC stating they they do not furnish this information to CRAs. She also states that they do not keep complete social security numbers. I would then like to know how it 's possible they verified this information when the court simply states they do not provide this information to them. They are in clear violation of the reporting act and not fully verifying information they are reporting.
I reviewed my credit report and there are several items, that aren't correct. I have a inquiry from XXXX XXXX, dated XX/XX/XXXX. This is not my inquiry, I did not apply for any account with XXXX, nor did I authorize them to pull, my credit. 

Toyota Motor credit, has a 30 day late payment, showing on my credit file, for XX/XX/XXXX. I set up a automatic payment draft, but I was doing some other credit  payments, over the phone and I decided to call Toyota Motor Credit on my XXXX payment and I submitted a phone payment. I realized that I still had a auto draft payment, coming out of my account and this would cause a issue, with some addition payments, that were due, later in the month. So I called Toyota Motor Credit two days later and cancel the auto payment, for the second payment, and the customer service rep. Assured me the payment was canceled and would not be processed. I am not sure if their computer system or the rep did the cancellation. But, both the payment, I made, over the phone and the auto payment, was cancelled, in error and Toyota, placed a 30 day late on my credit file. I have spoken with them, several times and they show, both payments being made, in their system. But, refuse to remove the 30 day late, because I authorized, the cancellation of one payment and they cancelled both payments, on their end of the transaction. 

XXXX issued by XXXX XXXX. I have a XXXX balance and haven't used the card in sometime.My last payment, showing on the credit file is XX/XX/XXXX ( this XXXX out the account, as there wasn't any other charges, made to the account ) .I made the payment, on the XX/XX/XXXX. But, my credit report shows a late payment for the month of XX/XX/XXXX? If I made the last payment on XX/XX/XXXX and it XXXX  out the balance. How can I be late on the payment, for the month of XX/XX/XXXX. This is a error and I would like it removed off of my credit file.
Ed Financial has admitted to me twice now that their fax lines are not working correctly, but they have refused to communicate this to borrowers who are required to submit forms where fax is an option. It is not noted on their website, nor have they sent out mail or electronic communications. I 've faxed in required documentation twice and they continue to not receive the information. This is an unfair, deceptive and abusive practice that will lead to borrowers to pay higher repayment fees when they have done all they were requested to do to maintain their IBR program status.
XXXX debt currently in collection with XXXX Current Balance Due : {$6500.00} however ; Federal Tax garnishments ( paid ) were never applied to balance:XX/XX/XXXX= {$1400.00} ; XX/XX/XXXX {$1600.00} ; XX/XX/XXXX {$570.00} ; XX/XX/XXXX {$1000.00} ; XX/XX/XXXX {$680.00}. Total garnishment= {$5300.00} highest balance on card {$5200.00}. XXXX amount due is incorrect. Also XXXX is adding Collection Charge and interest totaling {$2900.00}. XXXX title XXXX chapt XXXX subchapter V code XXXX Debt collector may not collect any interest, fee charge or expense ...