WillisBack/dataset-financial-user-claim huggingface dataset:
I was approved for a $ XXXX line of credit through MobiLoans , LLC. In increments, I borrowed all of the {$1200.00}, and accumulated some fees associated with it. It was not long until I wrote and sent a check on XX/XX/2016 for {$1200.00}, and it posted to my checking account on XX/XX/2016 for {$1200.00} dollars. That left me with a balance of fee charges ( advance fee and fixed finance charge fee ). My latest payment due date was XX/XX/2016, for the minimum amount of {$92.00}, and a balance of {$290.00}. On XX/XX/2016 I sent a check for the balance of {$290.00} ( I sent {$290.00} ), and as of today, MobiLoans , LLC can not tell me whether they have received my check ; They just keep telling me that it takes 7-10 business days to process if mailed, which is n't anywhere on their disclosures for mailed payments. The {$1200.00} payment posted to my checking account just TWO DAYS after I mailed it. I strongly believe that they delayed/and are delaying this payment mailed on XX/XX/2016, just to charge another financed fee. I strongly believe that they should have received and processed my payment due XX/XX/2016 by XX/XX/2016, just as they did the {$1200.00} payment, in rapid succession. I was told by one representative that once they receive the payment, it is processed immediately. Currently, I have been told by a Supervisor that he can not call processing to see if the payment has been received, and he also stated that it takes 7-10 business days to process, which is contrary to what happened with the {$1200.00} payment. Also, the payment center for mailed payments is just in XXXX, and I am in XXXX, yet one representative told me that it takes five days to receive my " mailed '' payment. Well that was not the case with my " mailed '' {$1200.00} payment in XX/XX/2016. It was received expeditiously and processed expeditiously. So I am really wanting assistance to be sure no more fees are charged to my account. Once this payment of {$290.00}, that they are delaying, is processed, I will only have {$34.00} left to pay by XX/XX/2016, which I intend on paying/mailing in the next couple of days. 

I can most likely fax or mail whatever documents you might need or request to see.
I took out a mortgage with PHH Mortgage to purchase a villa on XXXX/XXXX/14. At the time of closing I was asked for over {$3000.00} for the escrow account. I questioned it at that time because from the data I had been given, most of the homes in the subdivision have real estate tax bills of under {$2000.00}. I was told that if the amount was incorrect that it would be corrected when the XXXX tax bill was made. 

PHH did pay the original tax bill. However, that tax bill was for an unoccupied home. the payment they made triggered an additional bill which was forwarded to them. They did not pay this bill nor did they notify me that it had not been paid. The total tax bill due was {$1700.00}. Of that they paid {$570.00}. 

I found out that they had not paid when I read a story about a local homeowner who lost their home because their mortgage holder never paid the tax bills. I decided to double check. The bill had not been paid. I paid it and sent PHH a letter requesting a refund for the amount I had paid out of pocket on XXXX. 

From XXXX until XXXX they basically ignored me except for the XXXX email they sent in which they stated that after checking with the tax office, there were no taxes due. The letter dated XXXX basically stated that they had received my complaint and would be in touch. 

I received a XXXX letter ( from XXXX XXXX, liaison to the President ) a few days after XXXX XXXX and I spoke. He agreed verbally and in the letter that PHH had ben negligent in not paying the XXXX bill. He informed me that there was an excessive amount of money in the escrow account and he would personally initiate a refund of any overage. I received a letter from him a few days later which stated that I was indeed due a large refund and that due to the overage that they had collected, they would be adjusting the payment amount and lowering it. 

Four days later I received a check for over {$1000.00} less than what he had stated and a notice that they would be collecting the same amount in escrow for the next 12 months as they have since the XXXX payment. 

They have estimated my taxes at {$4600.00} when in reality the actual tax bill was {$1700.00}. By the time they receive my XXXX XXXX payment they will have over XXXX what they need to pay the bill in XXXX. In other words, my tax bill could XXXX and they would have money left over. When they pay the tax bill in XXXX they will have over {$2000.00} left in escrow and yet will continue to collect almost {$400.00} a month for another five months before again evaluating and adjusting.
Equifax was breached and leaked a staggering amount of personal data. 
" The breach occurred between mid-XX/XX/XXXX and XX/XX/XXXX,  Equifax said. The company said it discovered the hack on XXXX XXXX. '' according to XXXX XXXX XXXX They then proceeded to not inform anyone until 5 weeks later, which is 100 % unacceptable. An attacker could do a ton of damage in 5 weeks. And before informing their customers, several executives sold a significant amount of stock XXXX XXXX XXXX This clearly shows them worrying more about their own well being than the the well being of American consumers.
XXXX XXXX, XXXX, I purchased a XXXX XXXX from XXXX XXXX located in XXXX, Texas. The initial loan was financed through AmeriCredit XXXX XXXX. The loan was acquired by GM Financial. I contacted a representative on XXXX XXXX, XXXX and requested a printout of my payment history. Upon reviewing the documents I noticed there were several months in which the finance company charged me over {$400.00} dollar in interest. My monthly car payment is {$510.00}. I called the finance company. The representative said I have a simple interest loan. I asked the representative is it legal to charge me an exorbitant interest rate on the loan balance. In my opinion, this type of loan is equivalent to the pay day and or car title loan. I vaguely remember reading the government has passed or is contemplating passing legislation to prevent companies for preying on customers in financial distress. She said the interest is compounded daily on the unpaid loan. On XXXX occasions I encountered financial difficulties and deferred the loan. Unbeknownst to me they charged me XXXX the amount of interest which resulted in additional {$2400.00} in payments. I asked the representative how much I would save if I paid the loan off. My current interest rate is 10 %. She said I would not save a penny because they have already added the interest due to the type of loan. Can a finance company legally charge over {$300.00} in interest in one month? I am confident XXXX of Americans on a daily basis are paying a high interest on a simple loan due to lack of knowledge. I would not have selected this type of loan option. I relied on the expert knowledge of the loan officer. 

Example of interested paid : {$270.00} interest paid XXXX/XXXX/XXXX {$430.00} interest paid XXXX/XXXX/XXXX {$390.00} interest paid XXXX/XXXX/XXXX - I was late paying the care note {$420.00} interest paid XXXX/XXXX/XXXX - I was late paying the care noteInterest rate in XXXX to XXXX average was {$270.00} dollarsInterest rate average in XXXX was {$220.00}
Bank of America has not yet caused to be recorded the Trustee 's Deed resulting from the Trustee 's Sale at public auction on Friday, XXXX XXXX, XXXX at XXXX. 


Also, as this account is a Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) home loan account, Bank of America must provide a monthly installment statement with payment coupon until the XXXX Deed of Trust has been sold or transferred. To date, I have not received a monthly installment statement in XXXX XXXX for XXXX XXXX as required. 

All previously mentioned resolutions are desired and mandatory.
Approximately 10 days ago I deposited and cashed a check from a third party that bounced. It was my not my fault - it was the person that gave me the check. 

I was then left with a negative balance. I was going to let my direct deposit on XX/XX/XXXX refund the account. 

But without my knowledge US Bank closed / froze by account. Their fraud dept. or the bank branch did not notify me of any issues. I believe they over reacted with out trying to reach out to me - the customer. 

Understand they have to protect themselves but if they would have contacted me all this could have been avoided. 

They have not offered any way to fix the problem - how to get my direct deposit, and have not given me a direct answer as to why my account was closed. I received no phone call, email, or text. They mailed a letter which would take several days to received. 

Any other bank would have made an effort to notify the customer. I had a fraud issue with XXXX XXXX  a couple years ago and they were wonderful, helpful, and understanding. 

In contacting their fraud department clearly they were just reading off a script as when I tried asking other questions they kept repeating the same line over and over. They did not seem to care or offer a way to help. Just kept repeating ... again sir " my account is scheduled to be closed XX/XX/XXXX '' " you will be mailed a check with remaining balance '' US Bank can open my account in less then 30 minutes but take 15 days to close my account? I am pretty sure they can fix it and return my funds immediately but refuse to. 

They have already removed the negative balance - my account shows a positive balance of {$900.00}. 

US Bank is not making any effort to help and clearly I am trying to work with them. Will attempt to go into branch and see if they can help.
XXXX  is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with Experian, and XXXX. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?
validation of debt-Ask for cease and desist of phone calls. Have kept records of calls. Continue to call on daily basis. Have explained husband is on XXXX and I am on Soc. Sec. Only income. have XXXX XXXX. Unable to work. They will not send a validation of debt.
My name is XXXX XXXX thank you for removing the inaccurate items on my previous dispute but you didnt remove other inaccurate items that are in the attached files. Im sending this letter in regards to the remaining inaccurate information your company continue to place on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.
Experian is now at the point where they are playing a game. I disputed items, and I submitted documentation. On one occurrence they ended the despite, without get a response from the companies involved. On a second occurrence they ended it, via their own means. I am now on the third round of disputes pertaining to student loans, multiple reporting of same debt, duplicate trade lines, and accounts that do not belong to me. Upon calling I was basically told by Mrs. XXXX if that is her real, true, and correct name that if I want to file a complaint, I can wait. They have now extended the time Period out for the disputes, to the end of the month XX/XX/XXXX when they should be completed by XX/XX/XXXX. Also they have been uploaded supporting documentation on 2 other items, and have blocked my ability to dispute online. They will not open the dispute over the phone, because I have dared to file a complaint with the CFPB. In the other cases that where filed with Experian, they gave a generic answer to close the complaint out. Please explain what a frivolous answer is going to do to help anyone? So any company can come on this site, give a bogus answer, and get released from responsibility? 

I hope this gets reviewed by a real person. I also hope the other complaints are reopen. They have no legal right to violate the FCRA. I should not be penalized, because I dared to file a complaint on them, when what they where doing was not only illegal, it was immoral. 

XXXX XXXX
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have been looking for a mortgage and have multiple inquiries, many within the XXXX day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for XXXX years until they are charged off. Please make them clean up my hard inquiries.
My XXXX XXXX account opened XX/XX/XXXX was sold to XXXX XXXX XXXX XXXX  and subsidiaries ie XXXX XXXX XXXX in XX/XX/XXXX.My account was involved with the CFPB consent order of XX/XX/XXXX and XXXX was required to cease collection of this account, release the judgment and remove the trade line from my credit report. I have talked with XXXX and they have stopped reporting the debt and removed the judgement from the XXXX account they bought and owned from XXXX. But XXXX is still reporting the trade line last reported XX/XX/XXXX even as they do n't own the account anymore they sold the account not transferred the account .The XX/XX/XXXX CFPB consent order ceases collection activity and removes this trade line. I do n't see how XXXX can still be reporting this, it seems they want to get around the CFPB order and still penalize me when unfair practices were used to collect this debt .I have asked XXXX to remove the credit line and was told no they would not. I feel that by XXXX reporting this trade line they are still trying to collect on this debt as it is affecting my credit score by being listed as an unpaid debt. By the CFPB order XXXX can not receive any form of payment to this account, I can not even pay this debt to improve the effect on my credit report due to the CFPB consent order of XX/XX/XXXX. I am requesting that XXXX remove this credit line in accordance with the CFPB consent order of XX/XX/XXXX.
Direct Recovery Services contacted my fiance 's brother about a debt I owed from 2 years ago. They mentioned that if I did not contact them it would lead to being served papers to go to court and that I only had 24-48 hours to contact them. When I contacted them I asked for proof of the debt belonging to me and I was hung up on. I was also promised that once the debt had been paid I would receive an email confirming the debt paid and closed, I still have not received my email.
Experian is reporting inaccurate unverifiable information on my credit report. Experian is reporting a Chapter XXXX Bankruptcy in my public records that has not been 100 % properly verified. After conducting a reinvestigation from my last dispute Experian stated in their result finding that they have contacted the public record vendor ( US BKPT CT IL XXXX ) to verify the disputed Bankruptcy is reporting accurately. 
I have reach out to the ( US BKPT vendor ) with the contact information given to me by Experian and this vendor has confirmed that they DO NOT report this type of data to credit reporting agencies. They also confirm that they do not have any information on me at this time. Experians method of verification for public records is not complying with the requirements of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate chapter XXXX bankruptcy has been deleted from my other credit reports. Please see attachment.
This regards a car loan financed by First Hawaiian Bank. My girlfriend and I have been making over the amount of payments to pay down the debts. We made inquiries about why their records do not reflect the payments. They have not gotten back to me as why. On XXXX/XXXX/2015 the loan was for XXXX. I have applied at least XXXX or more not sure it could be more because my girlfriend made payments from her FHB first line in which the bank had ceased her account, without good reason. She has never been late for any of her personal line payments. But, XXXX from the car loan department was supplied with her first line account information requesting her to please cross reference payments that were applied to my car loan. This is almost a year and FHB car loan does not reflect all the payments made towards the vehicle.
On XX/XX/XXXX, I contacted XXXX and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is Finance Systems of Richmond in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor Finance Systems claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.
I went to cash a check. I was informed that my account was closed and could not be reopened. The banker at the bank stated he had never heard of this before. So he called and the informed him and myself that the cut ties and there will be no reason give because they have that right. He asked fir a supervisor and they stated the same and told him to cash me out my balance. This happened on XXXX/XXXX/2017. I need assistance please.
JPMorgan Chase Bank declined an auto loan for the following reason " Insufficient Payment on open auto loan or lease ''. The said they got the info from XX/XX/XXXX. This information is not only false but caused an extra bad inquiry to my credit report causing a negative hit on my credit score.
Every month I receive from XXXX an invitation to lower the cost of my student debt : " We 've missed you! '' Simply log in and check your rates. I apply and always get rejected. they keep sending me an invitation to re-apply " XXXXXXXX is the 5th one of these I 've received. The latest one onXX/XX/XXXX, 2017.
I had a vehicle repossessed, but the repossession letter went to an address I never associated with, thus I never had knowledge that the original signer on the loan had become delinquent. I was the co-signed. I submitted a rebuttal letter to the repossession and notified the creditor that if I had been properly notified I could have rectified the situation. Since the vehicle was already sold, and I was not made aware prior to the sale, the creditor responded in a court document that I would not be held liable for the debt. This decision was granted six years ago. I was made aware two ( 2 ) weeks ago that the creditor is now negatively hitting my credit rating for the debt.
Equifax Refuses to except Valid ID information to correct my report. Wrong Personal ID information has led to Accounts Effecting my Report that are not Mine, Example : XXXX ( Plaintiff Denies any judgement against me or authorizing Equifax to put this on my Report ) Escalating this due to multiple attempts to resolve this issue. They may not be updating person info to directly keep accounts onto my report. They Have stated Vague research responses in the past to do so.
Citizens bank promised a {$150.00} bonus for opening the account and completing the requirements. I have completed the requirements many months ago and the bank refused to pay the bonus.
I applied for A Lowe 's Synchrony Bank card I was denied based on information in a report from XXXX. XXXX XXXX, in which the reason was withheld from me, along with the report.
Dear Sir/Madam, I am trying to get the benefit that I deserve for my Citibank checking account. 
I opened the account with a promotion code XXXX to get XXXX Aadvantage miles in XXXX 2015. Since there is no Citibank branch where I live, I opened it online under the guidance of Citibank representatives through both online chatting ( please find attached chat history ) and phone calls. At the time Citibank confirmed the AAdvantage bonus miles will be credited by Citibank to my AAdvantage account within 90 days from the end of the statement period in which I complete all offer requirements. 
After the checking account was opened, I completed all the requirements. 
However, now Citibank claims I was not targeted in this promotion so they refuse to give the XXXX Aadvantage miles. Citibank has investigated twice on this issue, both times I get same answers. ( attached their answer ) When opening the account, as a customer, I had no information of Citibank internal marketing strategy. The only resource Citibank provided were online chat help and customer service on the phone. All Citibank representatives confirmed I will benefit from the promotion. Now Citibank is contradicting itself. 
Please help the justice be done. 
With gratefulness,
I was taken advantage of when I purchased the vehicle during a Chapter XXXX Bankruptcy because I needed a car. I was charged {$4000.00} more than the XXXX XXXX XXXX rate for the car 's salable amount and then was taken advantage by the finance company because of the interest rate. I am XXXX years old and should have been given special consideration in purchasing a vehicle. 

The special consideration I was given was only giving me XXXX vehicle to choose from and the dealer falsified the paperwork to get the loan approved at an unacceptable interest rate. The finance company does not renegotiate the interest rate or do any refinancing which gives me no leverage. 
The dealer put on the application that I pay {$400.00} per month for a mortgage payment and I have paid XXXX since XXXX 2010 which I told him. Secondly, he did not write anywhere on the Application that I was in the middle of a Chapter XXXX Bankruptcy.
AMex conducted a review on my account. While doing so I paid off my balances, and they told me that after checking my paperwork my accounts will be unsuspended and reopened. 

I called them and now they said that it never happened, but it did. It looked like they collected my money and backtrack on what was said. Please have them reopen my American Express accounts all I want is to use my credit cards again. I have the money and paid off everything in full and on time.