WillisBack/dataset-financial-user-claim huggingface dataset:
When I did a home loan modification in   XXXX   at least 25 years was added to the length of my 30 year mortgage with an  XXXX  dollar balloon payment at the end.I feel like this is too much, I have lived in my home for 21 years and now I still have  XXXX  more years to go with a balloon payment.I feel like I have a double mortgage.
Repeatedly denied income based payments. My income was garnished fraudulently. Interest and penalties continue to be accrued while they ignore the law.
I received a notice from Sears XXXX XXXX XXXX stating that to avoid late charges to send my payment of {$280.00} for a service repair, according to them service order # XXXX XXXX, the invoice was dated XXXX/XXXX/16 and the account # is XXXX. 
I immediately called Sears to inquiry about this bill and to closed my credit card. After closing my credit card account I was told that my balance was {$0.00}, and that they did not send me that bill. 
I believe that this is scam because I called the telephone number on the statement XXXX and I could not get a real person ONLY a telephone message also they are asking me to send my credit card information to settle this bill. 
The address listed on the statement is : XXXX XXXX XXXX, XXXX, Texas XXXX
On XXXX XXXX, 2016, I mailed USPS certified letters to the credit bureaus XXXX I want to know who verified these accounts? A full investigation was not completed in regards to these accounts, XXXX & XXXX & XXXX XXXX XXXX. The following companies never sent original creditors documentation on file to verify information is correct and accurate. I stated please do n't respond to my request by saying these accounts have been verified by the information provide. I did not give these companies permission to publish unverified information on my credit file. I have the right to demand the following listed accounts be legally verified or remove inaccurate credit information.
XXXX, a division of Experian, is reporting my motor vehicle as having been in an accident in XX/XX/XXXX in  California. My car left California in XX/XX/XXXX and has never been back. I believe its a mis-entry, and should be the removal of a lien on the vehicle. Experian does not allow for a way to dispute the accuracy of the incorrect information. Here is the incorrect info : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Event Date is date reported to XXXX I am trying to sell the vehicle now but have been unable to do so because of this entry. Its has decreased the value {$7000.00} on valuations.
Greetings, Ive sent several faxes, emails, and postal service mailing to Wells Fargo requesting they correct incorrect information on my credit report. I was told that if I paid off my debt by a personal banker if I paid off my debt they would removal all late payments and show it as noting or as paid on time. This was said in the context that they were sending my statements to the wrong address and wasnt notifying me properly about a debt I owed them.
On XXXX/XXXX/XXXX I sent Diversified Recovery which appears on my credit report a dispute verification letter which states I 'm Deragotory, I owe {$270.00} am in collectins in reference to a XXXX XXXX acct XXXX. As I was checking around my previous credit reportI came across on XXXX dashboard the XXXX has been under enhance and XXXX/XXXX/XXXX removed XXXX XXXX XXXX/XXXX/XXXX was removed that is XXXX.Now I see is Diversified Recovery.I thought the accouunt was alrerady removed from the XXXX credit bureau XXXX, XXXX, XXXX of XX/XX/XXXX.The correspondence I received XXXX/XXXX/XXXX was a lettter acknowledging my dispute a back last bill page that I owe XXXXBill period XXXX Bill date XX/XX/XXXXbut no validation, proof or contract.I sent out a XXXX dispute letter to diversifiedafter 31 day and they sentmethe send tim.e aroundon XXXX the same letter and last bill page all they did was put a different date.on the credit report Diversified Revovery is re-aging this XXXX acct. as first opened XX/XX/XXXXor XXXXon XXXX reported XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, and XXXXXX/XX/XXXX. I have checked XXXX and Score sense ... .Is n't this a Violation? I THINK SO!!! I have had XXXX from XX/XX/XXXX until now
I investigated the negative items on my reports that were not mine and I have not receive any proof of the proper actions taken. My accounts were not properly investigated. Equifax failed to abide by Section XXXX, XXXX, and XXXX
XXXX is charging me for monies that I have paid to collection agencies. In addition, I was advised by XXXX to keep internet equipment and suspend accounts until I restore services in my new state that I moved to. Unfortunately, I decided to turn in the equipment ( see attachment ) and is currently being charged. XXXX is stating that they did not receive the equipment, but attached records shows that a XXXX employee signed for the equipment. Also, they have XXXX different collection agency contact me regarding the same account. I paid one {$170.00} and the other is demanding payment. Both are unethically on my credit report and should be removed.
Bank accounts  ( CD & Money Markets ) w as opened by single account owner with    XXXX   XXXX  .   XXXX   XXXX   closed. The bank accounts wound up with   XXXX   XXXX  , and now with U.S.  Bank. Somehow during this time, an additional name was added to account, without original owner knowing or authorizatio n. U.S. Bank r efuses to correct error and refuses to produce the SIGNATURE CARDS. We have been trying to get cooperation fr om U.S. Bank for over six ( 6 ) months. We have contacted their Executive Offices and spoken to several persons in Fraud Department and Senior Banker a  t (   XXXX   XXXX   XXXX . Finally,  one person to ld me to contact the  XXXX   XXXX  branc h manager named xxxx,  in  XXXX  and that is where the signature cards are located. ( I have never previously conducted any business in this branch. ) Several calls were made, messages left, and could not get a call back response. Finally spoke to  Assistant Branch Manager who told me to come into bank. She took my personal and all contact information  and promised to get back to me. She did not. Then she was getting information from  Corporate Office  and they would send letter directly. Allotted time passed without any response. She became increasingly more hostile with each additional phone call. She finally said they do not have to give any information or put anything in writing. Later, I went to another branch, a suburban branch. Spoke to the branch  manager, w ho listened, then said she would followup and get back in touch the next week. After not hearing back, I called, but was told she was busy. Left a message. After no call back and it was almost at the end of the business day, I contacted her. She said was waiting for information back from another source and In a very unfriendly voice stated she would contact me in  two ( 2 ) days. Time pas sed without contact. I called again, left message. Called again and she had someone tell me she no information for me.   With each contact person that I have spoken to over the las t six months, I told them there is a legal issue and the information is needed. Also, that I NEVER authorized anyone else to be on my accounts. They will not own up to AND refuses to correct the bank errors! However, they have given out incorrect information, which has caused a  XXXX  legal issue, currently in court.
I requested my free annual credit report through XXXX. All of the credit reporting agencies provided me with my report except Equifax. When I got to the Equifax site, their website crashed. I called the following day, XXXX/XXXX/XXXX and explained what happened. They tried to sell me a credit report. I refused, insisting that they must provide me one free of charge. The representative took my information and said I would be mailed a credit report within 30 days. I never received this. I called again on XXXX XXXX, XXXX and was again denied my free credit report because their system shows that they gave me one in XXXX of XXXX. This is a scam designed to force consumers to pay for the credit report that by law they are entitled to once per year.
Reporting XXXX different balances. I was informed the extra balance is a " collection fee ''. I have never heard of this.
There is a serious communication problem on understanding our request for answers. So in attempt for simple answers this is an easy YES OR NO selection to the following questions : DO YOU -- -- -SPECIALIZED LOAN SERVICING FOR BANK XXXX HAVE THE REAL ORIGINAL LOAN AGREEMENT ( NO COPY )? YES OR NO? IS THERE A LOCATION TO WHERE WE CAN GO TO SEE THE ORIGINAL LOAN AGREEMENT IN PERSON? YES OR NO? This is very simple to answer can anyone at Specialize Loan Servicing understand these requests? YES OR NO?
I received a check from a XXXX XXXX company. On XX/XX/18 I went to Wells Fargo at XXXX to deposit a check for the amount {$1500.00}. I received a text message notification from Wells Fargo at XXXX stating As of XX/XX/18 XXXX Eastern Time your available balance for account was {$1500.00}. I completed my XXXX XXXX on XX/XX/XXXX for {$1200.00} XXXX gift card. On XX/XX/XXXX I receive an alert at XXXX from Wells Fargo that states As of XX/XX/18 XXXX Eastern Time , your account is - {$1200.00}. I then go to the back after work to discover the check I deposited two days ago was returned. So I contacted the bank that the check came from told me the account for the check was fraudulent. My issue with Wells Fargo are their controls for depositing checks. How can a check clear the bank a day later to be return two days later. Are there not control measures that are used to communicate with other financial institutions to confirm the money is available in order to prevent a return check if there were no monies offered for same day use of check deposits made? I went to the back to get a copy of the check and the teller said I would have to speak to a banker but the bankers were completely swamped so I called the customer service line. The representative on the told me due to me depositing the check I am liable for the loss. The representative said my only option was to file a police report which I did on XX/XX/XXXX. The officer assigned to my case contacted me on XX/XX/XXXX to get my statement and asked for me to send all documentation I had from the scam. I did so and tried to get XXXX to release the location, date, time and product purchased in order to give the information to the police but was denied due to laws. XXXX suspended the gift card and which had a remainder of {$10.00} on it. I have not heard from the police officer I filed my report with since XX/XX/XXXX. The entire experience could have been eliminated if Wells Fargo would have use proper control measures to ensure the check was legitimate instead of waiting two days to figure out the check was fraudulent.
A supposed law firm has been repeatedly calling me. They say they are from Citibank a company I have never opened and account with or one associated with it. everyday from am until pm I receive phone calls from XXXX, CT phone number XXXX. There message reads this message is intended for -- -- -- -- -- my first name and last from in house processing division. I received an order for you it looks like pending matter unfortunately because I haven't been able to reach you I will be pursuing you at your place of employment. and your case number is XXXX press if you want to speak to a representative or contact us at XXXX. So when I call it they tell me their name is XXXX from inhouse processing for Citibank and I owe XXXX from an account I supposedly opened in 2012. I never did nor did anyone trying to steal my identity because I moniter my credit has never been inquired or hit by any card or loan or mortgage by Citibank. I ask there address the company they are calling from they just say in house law firm and XXXX and when I state I have never had an account or card affiliated with Citibank they tell me I will be arrested and good luck in court in front of a judge and hang up. they have called my brothers house and repeatedly called my mothers residence threatening her they will arrest me. I called Citibank and mortgage they cant find anything related to me or my social security number. my mother had to change her phone number due to the threatening calls this is just not acceptable or right If there is anything you can do to help please do. thank you I have never received one piece of paperwork from these people EVER!!! not in mail in person only threatening phone calls.they have also called from XXXX are code and more.
I have issues with carmax auto finance. I am current with my payments now and they have shown improvement in my report with XXXX but I was under the impression they remove negative credit report when reason no longer applies.
Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my Transunion  and XXXX  credit reports immediately.
I have an auto loan with PNC Bank that is seriously hurting my credit score. Numerous late payment complaints have shown up on my credit score from them due to late payments and the payments I am making over the phone and online are not going through.

Originally I started out trying to make online payments, but even though they looked like they were scheduled properly I quickly found out from the late notices two months in a row that it wasn't working. I should have complained then, but each time I called in and made the payment over the phone and was told, " Oh don't worry, if you pay right now with me it won't affect your credit score. ''  Eventually I got into the habit of simply calling in and paying over the phone and that was working fine, but when I went to try and get a loan to buy my house I found that those late payments were indeed showing up on my credit report despite me paying them in full immediately upon discovering their computer error. 

Now, after having paid over the phone for months, I get a notice of default saying that I am overdue. I called them to find out what happened and how I could possibly be late today ( XX/XX/2018 ) and they told me that they did have a record of my call on XX/XX/XXXX and the payment I made, but that it was rejected due to insufficient funds. 

I looked through my bank statement for both XXXX and XXXX and at NO TIME during the month did my checking account even come close to being too low on funds for the {$540.00} payment ( lowest it dipped was just over {$2000.00} ). She told me I would need to fax in a copy of my bank statement to resolve things to prove it was a glitch on their end.

Then, when I tried to make the payment today she said, " Oh I think I see what happened, looks like your account is missing a one there at the beginning in our file '' after I read her the account number off my check. But she couldn't explain how that number was missing when all my previous calls had payments go through without issue using that number in their system ( the previous phone calls PNC had used the checking account they had on file for me and I never had to read any account info to them, how did that number suddenly change? ). Nor could she explain how an incorrect account number would have accounted for an insufficient funds bounceback to them. 

I never got any notice from my bank for the charge being rejected, the statement doesn't show anything from PNC bank when I called. I have a confirmation that was e-mailed to me after the payment attempt was made and no other correspondence after that part from anyone until the notice of default I got this week. I'm sure that when I go check my credit report there will be ANOTHER late payment notice on there, and I want them all removed. 

I just want to pay them the money I owe and not have to think about it. My last auto loan I set up autopay online in 15 seconds and never once thought about making a car payment. With PNC it is total stress every month. It shouldn't be this hard to pay someone what I owe when I have the funds readily available at all times, and they won't accept any kind of advance payments or anything.
AmeriSave Mortgage Corporation has acted in bad faith. 
At the beginning of my request for a refinancing, I asked whether AmeriSave would make a loan for a property held in trust. The answer was " yes ''. 

After my submission of approximately XXXX pages of documentation and payment of a {$570.00} fee, AmeriSave refused to close the loan unless I took the loan out of the trust. ( It should be noted that a copy of the trust was submitted very early on in the process. ) AmeriSave gives as a reason for refusal the fact that although the property is now held in trust as indicated in the title, the title lists only me as trustee whereas the trust also has my wife as a trustee. The said they would close the loan only if I took the property out of trust. AmeriSave 's bad faith reasoning is bogus, as can be demonstrated by the following : 1. A major bank refinanced this property several years ago with the exact same documentation and found no problem. The instrument used was the a standard XXXX document. 
2. Based on a suggestion by an attorney, I offered - at my expense - to have the second trustee put on the title. This would have cured the problem cited by AmeriSave, but they still refused to close the loan. 

I should point out that my reasons for not taking the property out of trust are two-fold. First, added expense. Second, mortgage notes prohibit the change of title without lender approval so I could not put the property back into the trust without AmeriSave approval. Based on their past performance, I can not take a chance that they would not permit my putting the property back into the trust. 
Summing up : AmeriSave has acted capriciously and in bad faith. Their condition for closing the loan is not according to early assurances and, furthermore, is unreasonable based on previous history by another lender as well as the refusal to agree to a simple approach suggested by my attorney which, cures the problem they cite.
I worked at XXXX for 3 years as a sales consultant, I was discharged from the job for using a wrong coupon to match XXXX online free delivery which is approved by XXXX Management without any warning or notification, after a month I received a letter from a debt collector XXXX XXXX and associates that I owe them XXXX $ for the issue that happened at XXXX and threaded me to escalate the issue, after their second letter asking for XXXX $ I send them back a letter that I do not owe this amount and explained that I used the coupon for the benefit of XXXX to close the sale and asked them to stop harassing me. They stopped sending letters since then but I keep receiving robot calls asking to make a payment, I filed multiple complaints to stop the calls, they changed the phone numbers and still calling me everyday. Please I want them to stop harassing me by their calls.
In mid-late XXXX I requested that XXXX do an investigation or thorough count on the number of payments I have made that count towards the 120 PSLF payments since I did not feel the number they gave me was accurate. In early XXXX, I believe XXXX or XXXX, I received a call from a representative at XXXX, asking if I still wanted the count completed and I indicated I did. I called roughly 6 months later ( and about a year after my original request ) inquiring about the status of the count considering one of my statements showed two different numbers for my two loans, one being in the 70/80 's and the other in the 30 's. I was told at that time that they hadn't even started the count until XXXX, and according to their false records I hadn't requested it until XXXX -- which is completely untrue but XXXX treats me as if whatever their records say is fact and could not possibly wrong. I spoke to someone in XXXX XXXX and inquired about the count since it continues to be incorrect on my statements, not to mention I've never been given any type of resolution or letter indicating their findings ; I was told it still isn't complete and they have no clue when it will be done. When I call XXXX for any reason, I get anxiety because of the lack of consideration, being told I'm essentially a liar because they don't see something I've said written in a note in their system, and inconsistent answers/recommendations between a representative and supervisor. I requested the count be done about 18 months ago and it has yet to be done. I fear that this will go on to effect my forgiveness and prolonging payments I have difficulty making. I consolidated my loans in XXXX and have been employed FT continuously since XXXX ; which stands to reason I should complete the PSLF payments in XXXX, which is the reason I felt the count was incorrect. I am beyond frustrated with XXXX and would like assistance in resolving since I have no way in doing so besides calling and asking ; which I do not feel should be expected for them to do their job in a reasonable amount of time.
I was pressured and rushed into getting a private loan through XXXX XXXX rather than being given several options or time to seek out other loans. I am now stuck with a High interest loan with a high payment that I can not afford.
I opened a XXXX XXXX Bank account # XXXX on XXXX/XXXX/2011. The payment " history '' on my account is incorrect and needs to be fixed ASAP as it effects my credit score. Currently Experian is only reporting 2 years of " payment history '' and there should be 5 years and 4 months. Please correct this error ASAP.
My wife & I jointly purchased a new, XX/XX/2015 XXXX, using cash, our trade-in, and a loan of {$5000.00} from XXXX Finance -- the loan being required by XXXX in order to receive a {$1000.00} rebate. We asked that title be issued jointly, with right of survivorship, i.e., 'WROS ' appearing after each of our names on the title. Such titling is an estate-planning tool prescribed in the Ohio XXXX XXXX XXXX XXXX website regarding vehicle titling. The XXXX dealer 's Finance Manager refused, saying that XXXX Motors Finance did not allow such modifications to the buyers ' names. We replied that XXXX statutory law gave us that entitlement, and gave him a copy of XXXX Revised Code 2131.12, the applicable statute. After checking with his counterparts and confirming his position, the Finance Manager promised to check with supervisors at XXXX Motors Finance the next day. When we followed-up, the Finance Manager said he had checked as promised, and reiterated the refusal. 
Upon contacting the XXXX Attorney General 's Complaint Department, we were told they had no jurisdiction, and referred us to the Comptroller of the Currency @ XXXX. That Office, in turn, said they had no jurisdiction, since XXXX Motors Finance was neither a bank nor a credit union, and referred us to the Federal Trade Commission, which referred us to this website.
Date:XX/XX/2016 XXXX : XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : These are the only XXXX addresses that I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX And XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX , XXXX XXXX Please remove all the other addresses off my report. They are not correct. 
I have never lived at the XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX. Driver License and Proof of Residence
XXXX has placed me on collection for cable services to a person who is using services in the XXXX. They continue to attempt to collect on a wrongful account # XXXX. Services are being provided to an address in the XXXX where I do not reside or know anyone at this address. This is not my first wrongful debt incident with this company that I suspect is purposely doing this.