WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/16 I spoke with a representative at Capital One resolutions department that offered me a settlement on a very old charge off account from many many years ago. XXXX representative assured me that if I paid the {$840.00} settlement offer, then the balance would be considered settled in full and would be updated with the XXXX credit bureaus to a {$0.00} balance. I made the settlement payment on XXXX/XXXX/16. This week my account was updated with the credit bureaus to a {$280.00} balance. This is not correct. This needs to be updated to a {$0.00} balance as promised.
I recently purchased a vehicle XX/XX/XXXX. I purchase this vehicle online through Carvana. At the time of purchase XXXX requires an ACH withdrawal to take place for the down payment. Which was verified account number and about directly with the bank via 3way calling. I was later notified on the XX/XX/XXXX the down payment did not go through. I was told that the account was unable to be located which they verified my account days prior. I was told that I would need to process the new payment either via credit card or send in a certified check. When I checked my bank account I realize I had an authorized charges and had to dispute them. During the process my credit card was canceled and I had to wait for a new card to come into the mail which I was told would only take 3 to 5 business days. I let them know that I could make the payment on the XX/XX/XXXX once I had the funds back into my account and a new card I was told that would be fine I had until the XX/XX/XXXX. With the holidays and I guess US mail service I had not received my debit card as well as the investigation on my account has not been finalized so I did not have the full amount. I borrowed funds over the next few days. As Iwaited for my new card. XXXX was the XX/XX/XXXX and Thursday which they were closed.When I called back Monday XX/XX/XXXX to correct the issue make the payment. I was told that they would no longer except my payment and they were going to repossess my vehicle and put it on my credit. I never received anything in writing I asked to speak to a manager and I was told that I was not be able to speak to anyone per the notes on the account the repossession order has already been sent and I would need to contact the Finance company. When I reached out to the finance company they told me that I would need to reach back out to the dealer. The finance company said they can not discuss anything on the account they didnt talk about and I needed to call back and speak to someone from the Carvana. When I called the dealer back the dealer explain to me that I needed to call the finance company and surrender the vehicle and they would not except my payment. I dont feel that they are being very ethical or acting in good faith as it pertains to this contract. The contract does not start that can refuse payment for any reason l explained that I can provide documentation to from my bank and still no one will talk to me other then tell me to surrender the vehicle.
Good morning, Im contacting you to assist me with obtaining a lower interest rate, Im a member of Navy Federal for 4 years now, I have been a loyal and consistent customer, However, I really feel discriminated against on the rates I receive, I obtained a Mortgage XX/XX/2017, my score at the time was a high XXXX low XXXX, rates were great at that time, however, I received a 4.875 rate, which is insane, I recently applied for auto loan, was offered 14 percent apr, got 6.8 from XXXX XXXX, applied for auto refi, offered 10,69 rate, last, I have a credit card with out standing balance, in 3 years never late, they will not offer me a lower rate, my current score is XXXX, whats bad about that score? Nothing, they realize that Im trying to maintain my credit for future home refi and there just being very unprofessional with the feel of discrimination and it herts, because I work hard to do right by them and my credit standings
my wife and i applied for a loan on our property in XXXX tennesee in XX/XX/XXXX after approx 45 days i received a request to pay off $ 50+K in debt, and close an account so that the loan would go through and i would receive docs the next week. 
we paid off the debt within 24 hours and provided all requested documentation to XXXX XXXX NMLS # XXXX OF AMERICAN FINANCIAL NETWORK INC. within 72 hours. this included letters from creditors. 
approximately 10 days later i then receive another request from the XXXX XXXX to pay off approximately 90 % of all of our debt in order to get the loan processed. 
my wife and i have now paid off over 50 thousand dollars in debt as requested and now they want us to pay off another 200+ thousand in debt. between these two amounts this exceeds the loan amount requested. some of these loans are also 0 % interest which they want to provide a loan for approx. 4-5 % which financially makes no sense. ( get rid of a zero percent loan to obtain a 4-5 % loan? ) after questioning XXXX XXXX he stated that 's what underwriting has requested. 
this process has now left me with approximately 3-5 hard inquiries on our credit which were NOT authorized and wasted 90 days of our opportunity to obtain this loan. 

the ramifications to me from the above is : XXXX of debt paid off for no reason and cash flow loss as requested by XXXX XXXX 90 days of time for a refinance on the property excessive AT LEAST 4 hard inquiries on my credit personal loss of time
My Bottomline figure on my loan amounted owed is going up instead of down why? I am paying triple time and these folks are cashing in quicker then my Bottomline figure should be going down even quicker. That figure is going up. 
I seen well before I decided to step into these people offers something is a miss. 
First off this debtor stated they gain 200 % profit on that money. 
Second if this is allowed, why do you folks allow such practice? 
Finally, I will also suspect a change of hands in finance institutions as a form of power gain. 
This means my credit is out in the open for any type of predator/power grasp to push out to happen. 
This means you folks are not doing your job to protect the consumers and citizens of this country. 
You need to wake up to these groups on the move. I stepped into this so you can kick thier dirty thieving XXXX. 
Why should anyone need to complain to get action? Signing a contract does not have anything to do with fair business practices. 
NO WONDER THIS COUNTRY IS IN BANKRUPT MODE. YOU ALL NEED TO BE FIRED. 
Fix the problem XXXX
I have tried numerous times to get this company to be honest about my payment history during the first year of me purchasing the vehicle.On my credit report Ally financial has reported that I missed 8 payments back to back within the first year of my purchase. XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-60 days, XX/XX/XXXX- 60 days, XX/XX/XXXX-90 days, and XX/XX/XXXX-30 days. I hope you can see where I am going with this. It looks like I have  missed 30,60, and 90 days when it wasn't that amount of time between payments. I just purchase the vehicle. My credit is ruin by this reporting. I have dispute with company and credit beau with no results because this company have said they can do whatever they want. Not only was this vehicle over priced, I love this vehicle and made sure it was paid on time for the first year. After I was XXXX I called and told them I would be gone for the next year, and setup automatic payments in XX/XX/XXXX. Behold they reported I was late during that year also. I am severely XXXX over this issue, and I've tried everything to come to some time of resolution with this company.
In the tail end of 2014, I found myself going through some financial difficulties. Recently divorce, a new business that was not even brining even, and clients that were not paying for their services. I was contacted by the servicing company that has my loan, a debt collector called " Green Tree Servicing '' after offering to send a loan modification application in the mail, and telling me that I could pay a bit lower amount than the monthly mortgage, until I got approved, I felt, I was on my way to saving my home from going into foreclosure. I received and application, that was going to determine if I qualified for the H.A.M.P., and after XXXX mailing it, and faxing all those papers, I was told by Green Tree that the could n't find my application. A couple of weeks went by, I re-fax the application and after almost 2 months, received a letter from Green Tree telling me that I did nt qualify because my credit was too low and the house was not my primary residency. 
After finding out that I did not qualify according to GT, I wanted to know what amount I owed, so I could plan to pay to bring my account up to date. Green Tree would come up with so many reasons why they could n't calculate this amount, why their computer system was not work, and how the supervisor or the person in charge of my account, needed to be the XXXX helping me, while encouraging me to wait for an alternative modification, that some of their investors were going to offer me. I was told they had mail the papers, but after asking them to fax them, so a least, I could see them, their offer seem a worst of solution, than, if I paid everything, and went back to my regular payments. They were offering a 40 years mortgage, at 4.00 interest, higher Escrow, higher PMI, and the monthly fee was adjustable just after 1 year. Lastly, I most say, I want to being able to keep my home, bring my account up to date, and have this scammers brought to justice. Green Tree reported me to the credit companies, and told them I was diluting in my mortgage payments, they make it impossible for me to qualify for a loan, so I could only use them, and accept their " offer from XXXX '' Could you guys help me save my home!!?
I worked hard to get my credit score in the Excellent range in the low XXXX 's. Within weeks my score dropped from 89 to 175 points XXXX : XXXX in XX/XX/XXXX to XXXX XX/XX/XXXX ( 89 pt drop ) Transunion : XXXX XX/XX/XXXX to XXXX XX/XX/XXXX ( 175 pt drop ) I contacted XXXX and Transunion to understand why my credit score was decreased so much so quickly since there has been no major problems or changes to the account except for paying off a car loan ( with NO late or missed payments over a 5 year period ) and opening a new account for another car purchase. 

I have tried to obtain information from XXXX and Transunion yet they can not find anything that has changed and refuse to correct the score. They have refused to help or even tell me how to fix the problem. XXXX also has claimed I have put a freeze on my account in XX/XX/XXXX with a special " code ''. I do not remember doing this. 

I need my credit score corrected.
On XX/XX/XXXX I filed a complaint against Experian in regards to them reporting a public record in my consumer file. They responded as they provided me with the data furnisher of the information which was XXXX XXXX. I had contacted XXXX XXXX in regards to this matter to find out where they received this information and why it was being reported to Experian. The customer service agent, XXXX, told me they did not provide any information to Experian as my information is currently suppressed due to identity theft a few years ago. I had contacted Experian by phone on XX/XX/XXXX and again was informed that Experian verified this record with XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. I had then called XXXX XXXX back and spoke with a customer service supervisor, XXXX, who again assured me they did not verify this public record on those dates to Experian and reassured me that any information they may have on me is suppressed because of the police affadavie I provided them a few years ago. I called Experian back and was told this time they can not answer any questions for me that my file was being handled by their legal department and I would have to speak to XXXX XXXX. I am going to file a complaint with the XXXX XXXX XXXX as well.
SPS 1st TD : XXXX XXXX TD : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A short sale was started XXXX/XXXX/17 with SPS. In calling for updates we reached XXXX. She stated that the investor will not allow a short sale and the only option for the homeowners to avoid foreclosure is a deed in lieu. We informed them that deed-in-lieus do not work when there is a 2nd TD on the property. XXXX insisted that the second will participate in a deed in lieu and has refused to tell us the name of the investor. 


SPS is lying to us. SPS is refusing to tell us the name of the investor. SPS is only a servicer and they are defrauding their investor and the borrower by insisting that a deed-in-lieu is even a possibility.
Chapter XXXX bankruptcy relieved debt for Pro Collect, which is still reported as derogatory collections even two years after discharge.
XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in error. This account was paid by XXXX XXXX XXXX XXXX XXXX, and should not have gone to Collections. 
XXXX XXXX NEVER validated this debt with XXXX XXXX, nor did they validate that it was paid by XXXX XXXX XXXX XXXX. I have never received nor authorized anyone from XXXX to validate with XXXX XXXX so I know they never have. 

Per the FCRA Section 809 they have not properly validated the debt, and it should be removed from my Equifax Credit Report.
When I purchased my first home in XX/XX/XXXX, I contacted several homeowner insurance companies for quotes in late XX/XX/XXXX/early XX/XX/XXXX. One of the companies that I contacted was XXXX XXXX for a quote. The quote that I received from XXXX XXXX was not the most competitive and so I decided to go with another insurance company. Shortly thereafter, XXXX XXXX started sending me letters demanding that I pay the insurance premium on a policy that went into effect on XX/XX/XXXX or else XXXX XXXX would cancel the policy. I called and informed XXXX XXXX back in XXXX that I did not agree to a policy and that I had only requested a quote and requested that they resolve the problem within their systems. XXXX XXXX did not fix the problem and eventually cancelled the policy on XX/XX/XXXX. Rather than fix the problem, they sold the debt to XXXX XXXX XXXX who has been intermittently sending me collection letters demanding that I pay {$220.00}. I have called multiple times requesting documentation that I owe this debt but have been told that XXXX XXXX XXXX doesn't have paperwork to prove such. Each time after I explain the situation, I am told that XXXX XXXX XXXX will fix the problem, but i continue to receive letters. Most recently XXXX XXXX XXXX sent me another letter on XX/XX/XXXX, requesting payment again. Again, I requested documentation and proof that the debt was a valid debt and was told that they did not have any such thing.
I have recently submitted a complaint with Equifax regarding the following fraudulent accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX The XXXX XXXX XXXX # XXXX results came back as verified. I have never created an account with this company and have sent Equifax all documents needed to establish the fact that someone stole my identity. The reaming XXXX accounts XXXX XXXX XXXX XXXX # XXXX and XXXX # XXXX have been frozen in dispute since XXXX/XXXX/2016 which is now beyond the 30 days to investigate this matter. The fraudulent accounts are effecting my credit, life and liberty. Please resolve this matter and remove the fraudulent accounts from my credit file so that I may start to rebuild my life.. 

Sincerely, A Frustrated Victim of Identity Theft
I recently opened a XXXX store charge card. I used the card and attempted to make two payments which were returned. I put in the wrong bank account number when making the payments. Upon discovering that I had done this I promptly sent a replacement payment which posted to the account. I actually overpaid the account which resulted in a credit balance. XXXX/TD Bank closed my charge account. I called XXXX  to ask about opening the account again and the agent told me I would need to send a letter to XXXX asking for the account to be opened. I sent the letter and then called again and I was told that it wasn't possible and that I would need to reapply. I don't want to re-apply and hurt my credit score and by opening an account and immediately closing it XXXX  is hurting my credit score. I have had no material changes in my credit since XXXX  first opened my account and I've paid the balance in full demonstrating that I had the funds to pay it.
My mortgage was transferred to Carrington Mortgage Servicers, LLC from XXXX XXXX XXXX. My mortgage had a final foreclosure judgement already and I had been trying to obtain an affordable FHA modification through XXXX XXXX XXXX. When Carrington Mortgage Servicers, LLC took over, I had to start the modification process all over again. I sent in all requested documentation the required. I am the only one on the mortgage note with my wife, XXXX XXXX being on the title. Carrington Mortgage Servicers, LLC refused to even process my FHA -HAMP modification paperwork until my wife sent in all of her information. They are trying to force my wife to be a co-borrower for any future modifications that might, not guaranteed, be granted. My wife has no income unless you count Food Stamps of {$130.00} a month. She is unable to work due to medical conditions. There is no reason why she needs to be on the mortgage when she wasn't on it in the first place. Also, the are stating that her food stamp is actually {$160.00} a month before taxes are removed. From what I can see, Food Stamps are not taxable and this is not a legitimate claim from Carrington Mortgage Servicers, LLC.

On current statements from Carrington Mortgage Servicers, LLC, there are " misc. '' charges under the escrow account as well as multiple property inspection charges, title fees, Automated Valuation Model Fee, Foreclosure Appraisal fee, and a fee for " single item ''. According to HAMP rules and regulations, they are not permitted to continually charge my mortgage account for illegitimate fees or " Bogus '' fees.

My wife is being bullied into signing a modification with Carrington Mortgage Servicers, LLC when she is not part of the original mortgage note and no income that would make her beneficial to a modification of the original mortgage note. My wife and I feel bullied, pushed, and forced into the modification Trial Payments that they know do not follow the HAMP Regulations.

I also believe that another reason that Carrington Mortgage Servicers LLC is requiring my wife as a Co-Borrower is so that they will have the right to damage her credit as much as they have mine. As well as, have another person to hold liable for the mortgage note.
XXXX # XXXX Name XXXX XXXX XXXX. 
I had a loan modification with XXXX XXXX. AT the time XXXX  XXXX was collecting escrow for real estate taxes and Insurance. After the modification was approved the loan was sold to XXXX XXXX XXXX and I is currently being serviced by XXXX XXXX. 
I have 3 main issues ( besides the fact that their customer service is terrible and I can never get a straight answer from anyone I speak to ) 1. Where is the money that XXXX  XXXX collected for escrow ( insurance and taxes )? It has not been applied to my loan ( or reimbursed to me ) and I paid the insurance and taxes for XXXX and the XXXX taxes have not been paid ( I paid the XXXX insurance ) 2. XXXX agreed to waive my insurance escrow ( since I paid the insurance ) and they were suppose to reduce the escrow for the insurance from my monthly payment ( they did it for one month and then charged me escrow the next ). Now I paid the Insurance and they are still collecting escrow for both insurance and taxes. 
3. I signed up for their electronic payment and they charged me two mortgage payments in one month ( even though I was not behind ) then had the audacity to charge me late fees. I finally got it resolved ( through multiple letters and phone calls ) but now they charge me different amounts every month.
American Express and Delta Skymiles Program sent me an invitation to apply for their card and as a bonus offered XXXX skymiles after a {$1000.00} spend. I applied, got approved and spent a {$1000.00} with 2 months. 

Now, Amex is refusing to post the miles on the pretext that i was a member in XXXX and got the miles. 

If Amex had my SSN # and prior card membership, why was I sent the invitation again? 

This is a BAIT and they are defrauding consumers. 

I called XXXX and spoke to Supevisor XXXX, at XXXX EST on XXXX/XXXX/XXXX.
I recently had a credit card account closed by Chase Bank. I have had this particular card since XXXX of XXXX and pride myself on having a positive long term credit relationship with Chase. I had received a letter stating that the account would be closed due to inactivity if not used prior to the card expiration date of XXXX XXXX. I promptly made a purchase with the card and paid the statement in full once received. Today, XXXX/XXXX/XXXX, I contacted Chase Bank as I had not received my replacement card yet. I was informed by the representative that my account had been closed. When I referred to the letter I received and stated I used the card as instructed, I was told that the letter stated the card would be closed regardless. Unfortunately, I do not have a copy of the letter from Chase, however I have received similar letters from other banks and once I used the card they have always been renewed. I believe this action by Chase Bank is fraudulent and negatively impacts my credit.
Experian is reporting the wrong balance on the only account I have with them which is XXXX XXXX. You are reporting on XX/XX/2018 a balance of {$720.00} which is incorrect. The correct balance is {$650.00}. 

I went in to dispute section of Experian and it shows current balance as {$650.00} not {$720.00} as it shows on the credit report.. 

The {$650.00} is the correct balance and is currently reported by XXXX. 

I will be uploading information to show how Experian is reporting my balance incorrectly. 

Also, I need a copy of my actual credit report which XXXX went directly to my membership which does not show name, addresses, DOB, no soft inquiries, etc.
XXXX XXXX  is reporting me with late payments and that card belongs to my dad.

XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad
I filed for bankruptcy in XX/XX/. In XX/XX/, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my report.
COMPLAINT : XXXX : EQUIFAX : XXXX : VS XXXX XXXX XXXX XXXX. ON PURPOSE, I FLOAT {$500.00} -- -- {$1200.00} ON MY CREDIT CARDS FOR REWARDS : A : FOR TWO YEARS, ON PURPOSE, I PAY EACH CARD OFF EACH MONTH : B : WHY DO THE CREDIT REPORTING AGENCIES PLAY A GAME WITH ME AND 40 MILLION IN CAL 12 MILLION IN XXXX XXXX? 
C : WHY DOES MY FICO, CREDIT SCORE JUMP AROUND FROM XXXX -- XXXX -- XXXX NOW DOWN TO XXXX??? 
D : WHY IS MY CREDIT SCORE AND FICO NOT AT THE SAME RATE FOR ALL CREDIT AGENCIES? 
E : WHY IS MY CREDIT SCORE NOT AT XXXX OR HIGHER 2. DO ALL CREDIT REPORTING AGENCIES ABUSE THE PEOPLE OF CAL, XXXX XXXX XXXX? 
A : ARE THEY FORCING HIGHER RATES FOR CONSUMERS IN CAL FOR HOME LOAN, AUTO LOAN AND ARE WE PAYING MORE IN CREDIT CARD FEES THAN WE SHOULD? 

SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT REPORTING AGENCIES??? 

AS YOU KNOW, I AM LOOKING AT RUNNING FOR XXXX XXXX XXXX SUPERVISORS RACE IN 2020 AND WOULD LIKE TO KNOW HOW MANY OF THE 12 MILLION PEOPLE IN XXXX XXXX CONSUMER RIGHTS MAYBE VIOLATED AND ABUSED?