WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a mortgage for nine years. I was divorced in XXXX 2016. This whole last year my ex XXXX XXXX XXXX XXXX XXXX and has sqatted in the house without allowing the two sales for over full price. I kept this bank up to date on everything from day one about his XXXX and a court ordered XXXX That it was handed over to our lawyers to iron out any issues with this banks lawyers but to no avail. Then the bank said no to court ordered in deed of lieu to protect me from his deliberate attempts to ruin me. They screamed at me to pay all overdue funds when I was in hiding for my safety not saying anything to my ex who had been fired again for illegal behavior. This bank only protects those who do wrong and punishes the responsible home owners. All of our conversations where recorded, with bank employees screaming at me. It is now in a redemtion period and I was just qualified for a better rate and full mortgage but the mortgage division stated that my lawyers protected him and not me.
I received an email from a man called XXXX XXXX who works for a debt collection company called True Accord. True Accord is located at XXXX XXXX XXXX, CA XXXX. 
The message claimed that I had purchased a product called XXXX from a company called XXXX XXXX, a skincare company. 
I had no knowledge of XXXX or the product. ON searching the internet I found out that XXXX XXXX is a skin care company. I also discovered that the product I was supposed to have bought was a supplement designed to build muscles! 

I absolutely refute that I purchased any product and especially XXXX called XXXX In XXXX years I have never failed to pay a debt and I have always paid on time. I am puzzled as to how XXXX XXXX came by my information and how it convinced True Accord that I owed them a debt.
I recently initiated an e-Check payment to my credit card company, XXXX. My bank rejected the transaction and charged me a {$38.00} NSF fee. My account balance had enough to cover the debit, though. I have attached a screenshot of my mobile banking history hereto. 

I am shopping for a new personal checking account, but I still need the {$38.00} fee they assessed to me back in the meantime.
I applied for a loan on XX/XX/2018 due to a financial hardship. It was for {$800.00}. I've missed 3 payments and the interest rate is accruing daily. The total I owe is now up to {$1200.00}. I have discovered that online payday loans are illegal in Kentucky. I contacted the company regarding this and they stated I owe the principal but the interest that is accruing daily. I contacted the XXXX  and the Department of Financial institutions in Kentucky. DFI submitted a cease and desist letter on my behalf.
These were medical bills that were sent to the WRONG address, an address I had not lived at for 8 years. When They " Found '' me, it was already on my credit report. I paid it immediately to make it right and it was supposed to be removed. The same hospital that I paid thousands of dollar to for the same surgery did not have all of THEIR billing records up to date and now my report is suffering. This is WRONG in so many ways.
There is a hard inquiry on my credit report that I know nothing about. I have never tried getting credit at this business. The business is : XXXX ( it says it is a clothing store ). There was no authorization for this company to run my credit.
I disputed an item to be removed ; being   XXXX    removed item from my report as a result of their investigation.
My car was stolen on  XXXX / XXXX / XXXX  it was reported by th e NYPD since  it was in there possession due to an alleged dwi arrest on  XXXX / XXXX / XXXX  I was notified by the bank on  XXXX / XXXX / XXXX  that it was reported stolen the  NYPD never n otified me I had already retained an attorney  XXXX   XXXX  to have the car released unaware that it had been stolen. I went to the precinct that seized my car on  XXXX / XXXX / XXXX  they gave me all the paperwork to have my plates reported stolen  at NYS DMV  I did that I reported it to the insurance on  XXXX / XXXX / XXXX  I called the bank flagship credit acceptance and advised them that it was in fact stolen. I have been called twice by  XXXX  a supervisor at flagship stating I stole the car to return it or I had to pay {$2000.00} to have them find it and once they recover the car they will sell it and terminate my loan as non payment. I have been making my payments monthly from  XXXX  and still making them since the insurance company refused to cover the lost because t he NYPD is responsi ble so my attorney  XXXX   XXXX  has already file suit against t he NYPD for the co st of the car. If I have to continue paying the monthly loan payment I understand and will payoff the loan when we are awarded the money from the city but what I do n't understand is flagships harassing business practices the threats and accusations when I have done everything and have proof of what happened to the car.
My husband and I have been Toyota owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with Toyota. Most recently, we both upgraded to XXXX, and I elected to turn in my XX/XX/XXXX Toyota Prius after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from Toyota ( Toyota sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called Toyota Financial Services and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed Toyota Motor and they referred me back to Toyota Financial. I 've emailed Toyota Financial earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) Toyota only sent one notice ; and C ) This company who Toyota has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18  months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.
I have a checking account with TD bank, last year, I discovered there's a {$3100.00} fraud check written by another person, and the bank handed the money to them. I contacted the bank, and after about a month, the money was finally given back to me. Now my account looked over the book more carefully, and found out there's another fraud check for {$1000.00} posted in XX/XX/XXXX. I contacted the bank, filled out the fraud check affidavit, and to my surprise, the money didn't come back. I received a letter from XXXX XXXX, Their Sr. investigator. Telling me since I didn't report the fraud within 30 days of that happening, they're not giving me the money back. How is that possible, the bank made the mistake, and they are blaming me for not keeping an eye on my account? I have written to the bank 's chairman hotline email, there were never any acknowledge or response. This is bank fraud, plain and simple.
I was supposed to be included in XXXX settlements with my lender XXXX XXXX XXXX and XXXX the servicing company ( Bayview Loan Servicing llc ) will not included me in any of them. I have ask for a copy of the print out from the portal showing me any printout saying I do not qualify they just keep sending me letters saying they do n't have to see attached letter. I worked at XXXX XXXX XXXX and I know better my loan was supposed to be included all they way back to the first suit in XXXX so I need help getting all printout from them They are afraid I am going to sue them for fraud. Also I had a mod in XXXX and paid on it for eleven months and then XXXX decided they did not want to do it anymore and stopped taking my payments. 
Please see attached letters from Bayview Loan Servicing
XXXX  transferred my Reverse Mortgage in  XXXX  to Champion Mortgage Company. They terrorizing me since end of last year by harassing and threatening as well as unlawfully actions. They wanted proof of insurance for my condo. The policy from th e HOA and my per sonal insurance were submitted numerous times, but they still sending me threatening letters, denying they have received the policy copy. Even though they sent me on  XXXX / XXXX / XXXX  a confirmation letter that they have cancelled the force placed insurance in my name because there was no lapse in coverage, I still get these letters with threats up to delinquency and foreclosure. In the meantime the HOA insurance agency faxed the new insurance to  XXXX , which expires on  XXXX   XXXX , they ignore this and sent letters. Because of the unlawfully forced place insurance they deducted my monthly payments since  XXXX  for {$20.00} I wish they stop harassing me and refund me the {$20.00} per month since  XXXX  and continue to pay the {$20.00} in the future with the original payment plan of {$210.00}. Since they do not make any profit no longer and I had to sign  ( the  first time ever an occupancy form ) I believe they on purpose unjustified threatening and harassing me to make me abandon my home  or to drive m e to death so they do not have to pay me no more the monthly payments. Trying to talk to them at  XXXX  is hopeless ; they act like they are robots, reading a giving text non-stop.   This nightmare must come to an end!
In XXXX I defaulted on a mod ; in XXXX we settled on a XXXX mtge ( amount given to us by Citi-XXXX mtges held by Citi ) I have been ATTEMPTING to rectify and re-modify since ... Citi refuses to work with me ... claiming I make too much money for government programs HAMP/HARP not enough to hand them their money - I have an audit clearly showing robo signing fraud and broken chain of title - we are currently being reviewed for a modification AGAIN we send the same documents over and over again ... I HAVE RESPECTFULLY REQUESTED THAT THEY POSTPONE THE PENDING AUCTION DATE WHILE WE ARE NEGOTIATING ; TO NO AVAIL ... .CURRENT AUCTION DATE XXXX XXXX XXXX
On XX/XX/XXXX, I was on board a XXXX XXXX flight and was told by the flight attendants of a credit card offer. If I applied in-flight for the XXXX XXXX XXXX Credit Card, I was eligible to receive XXXX miles, which is valid for 7 round-trip flights. I filled out a paper application, which included my social security number, income, address, birthday, and more, and gave the application to the flight attendant. 

It has now been approximately 2.5 weeks since this application. Because of the delay, I tried checking the status of my application both over the phone and online, through Bank of America. I was told that no application existed with my information. 

Following this, I called Bank of America and spoke to two representatives on XX/XX/2018, who transferred me to various departments because they could not find an application, either. Finally, the third representative I spoke with told me that the offer of which I was speaking was valid only from XX/XX/2018 through XX/XX/2018. There is another offer, the representative told me, for the XXXX XXXX XXXX XXXX credit card, but this is not the card for which I applied, and I was not told at any point that this world credit card was the " Elite '' card. This representative suggested that I contact XXXX XXXXs, the Federal Trade Commission, and the Identity Theft hotline. 

I called XXXX XXXX on XX/XX/2018, and was directed to file a complaint online. I did this on XX/XX/2018.
All the major credit reporting agencies, Transunion, XXXX and XXXX XXXX, " rate shopping does n't always affect your credit score in the case of rate shopping for an auto loan, if shopping was done within a 14-45 day period of time ''. Then turn right around and use that rate shopping as a " credit factor '' on your report. Example : with Transunion they show my shopping with ( 3 ) different companies, all on the same date, as a " credit factor '' on my report, XXXX shows ( 2 ) of those same ( 3 ) as a " credit factor '' while XXXX shows again all ( 3 ). They then " lower '' your credit score and even show this as a factor calling ALL the above a " credit factor '' because they are " hard inquiries ''! I believe the reason for their having done this is because they ALL want you to apply with ONLY their preferred lending companies which they list within their sites. They even " direct '' your search to those companies as a " way '' for you lower the impact on your report by consolidation of debt with THEIR chosen companies. I would suggest that personally you try it yourself, using your own credit information by going to XXXX as an example, because they use reports from both XXXX and Transunion. I called, and complained to a Transunion representative who told me, " that 's just the way its done ''! The public who works hard, and relies on having fair credit reporting is being punished for having rate shopping, which should be the privilege of all of us!
the CBE Group trying to collect on a cable bill. I hve in my posession FROM THE ORIGINAL creditor, XXXX aka XXXX, showing a balance owed by me as XXXX dated XX/XX/2018. I have no contract with CBE Group, nor was i made aware of ANY sales of my information to this group.
The following credit inquiries are on my credit report and I did NOT authorize these companies to do the inquiry. 
EQUIFAX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXXI want these inquiries removed and my credit score adjusted.
This company does not disclose to a consumer in their statements regarding special interest rate expiration nor does it show how much fees/penalties/interest will be assessed at the end of that special interest period. There is not indication on the statement of any interest to be charged in the event the full amount is not paid back before a certain date. This needs to be included on all statements.
If you will see in the attached files, Equifax still shows my name - " defendant-XXXX ''. Court has corrected the judgement that reflects my name, XXXX XXXX, due to erroneous legal basis. Judge XXXX XXXX of XXXX XXXX XXXX has ordered my name to be deleted from the judgement. We explained this to Equifax and forwarded the documents to them several times but they have not cleared my name. We had our lawyer contact them to fix this error, until now they have not fixed this error.
A computer glitch that was XXXX problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted XXXX in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.
My credit report that is being reported by Specialized Loan Servicing is showing that I owe them over 2 million dollars. This is incorrect. They are also showing many, many late payments. I was not late on my mortgage. 
I need this corrected and I need to start receiving mortgage statements. I do not receive any mortgage statements. 

Please help me.
I was paying out of State tuition in which i was in school with a double major for six years in which i became a permeant resident of the state if Tennessee in two years. I asked why I was still being charged for our of State tuition and they could n't give me an answer. I owe XXXX dollars that I ca n't pay back. I also was not contacted about the settlement or deadline. Is there a way to see if I still qualify?
Wells Fargo Bank closed account XXXX/XXXX/XXXX but unknown to me. I traced account to XXXX XXXX, XXXX with a balance of {$480.00} and noted activity fees as of XXXX XXXX, XXXX up to XXXX XXXX, XXXX. WFB asserted total fees of {$510.00} and managed to reversed {$300.00} of fees owing me a balance of {$210.00} A savings account surfaced during researching unknown ck account. The savings account traced to XXXX XXXX, XXXX to XXXX XXXX, XXXX with activity fees total of {$290.00}. Wells Fargo Bank failed to disclose non active status of both accounts to account holder all these years. Both accounts deemed dormant but WFB kept asserting fees to wipe out small balances remaining for years.
On XXXX/XXXX/XXXX I was contacted by Wilber and Associates regarding an accident I was in on XXXX/XXXX/XXXX and to call back with the case number XXXX. When I did I was connected to a woman who identified as XXXX who stated that I owed over {$7000.00} to XXXX XXXX as I was found at fault in the accident and I had no insurance. I informed her that this was incorrect, the accident was no fault, and, not only do I have insurance, I have full coverage insurance. At this point she became rude, yelling and refusing to let me talk, and stated that she will file with the state to have my license and registration suspended if I do n't pay. I again told her no, and that I would have my insurance contact them to verify what I had said. She continued to yell and tell me she was a lawyer and that they had already been to court to settle this and I missed the court date. At no time was I sent a summons and had received nothing in writing from this company, so I was unable to sent a letter disputing the validity of this debt as I had no address for them and was unable to find one. I contacted my insurance agency on the same day, and they stated that I had nothing to worry about, they were unable to suspend my license as I had full coverage and was not deemed to be at fault, that they would contact them and clear it up. On XXXX/XXXX/XXXX my insurance company stated that they refused to speak with them when they called. I heard nothing again until XXXX/XXXX/XXXX, at which time I received a letter in the mail stating that they sent a request on XXXX/XXXX/XXXX to XXXX to suspend my license. I called them at the number and they stated that my insurance told them they are not responsible for this money and therefore I am uninsured at the time of the accident. I told them this is not what my insurance had informed me, she said it 's going to go through no matter what I say. I told her that they need to speak with my insurance agency otherwise I will be calling back with a lawyer, at which time she hung up on me. I called my insurance back and they stated again that there is no debt I am obligated to pay in regards to the accident.
I got the loan payed down to XXXX had to refinance it went up to XXXX after paying 4 payments of XXXX I owe XXXX it seems like every time I get it payed down I have to start over I have been paying on this well over a year I can keep doing this its like I am fighting a losing battle I would take any help out there
I applied for an income-driven repayment plan for my 3 accounts that are serviced by Great Lakes. There was only one application involved, and I was advised by telephone that based upon my reported income, my total payment was going to be reduced from about {$990.00} to about {$700.00}. However, when I provided my proof of income by fax, I was given a new monthly payment of {$4400.00} ( which is about 50 % of my monthly take home pay ) and put on an accelerated repayment plan to have my loans paid off within 7 years. This was exactly the opposite of the plan in which I applied for, which was made abundantly clear both within my IDR repayment plan application, and the proof of income that I provided to Great Lakes. This situation happens almost every single year when I re-apply for my IDR plan.
I sent letters to  XXXX  to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.
Debt collector, AFNI, has not provided verified evidentiary proof of indebtness from the original creditor, XXXX XXXX XXXX within 30 days of my original dispute submitted on XX/XX/2016.
This is in regards to a collection account with XXXX XXXX XXXX that is appearing on my credit report. This account is regarding a past due balance I had with XXXX. The past due balance had been settled with XXXX in XXXX XXXX  2017. I was informed by XXXX this account would be rescinded from XXXX XXXX XXXX As a safe measure, I immediately contacted XXXX XXXX XXXX to explain the balance had been settled with XXXX and they assured me the collection account would be removed from my credit report. The account has only been removed from my XXXX credit report, but not Experian or XXXX. I have attempted to dispute this with Experian and XXXX, but I have been unsuccessful in having the collection account removed.
XXXX XXXX XXXX keeps trying to collect on a debt that I do not owe for XXXX XXXX. I have faxed them and other collection agencies that I do not owe a balance. They said they would call the agent for the apartment to verify that I do not owe a balance. However I went to the apartment complex and the agent says she does not know the agency nor why they are trying to collect money. I was denied rental of an apartment because of this on my credit file when it's not accurate. I have called them over and over again only to get the run around. I would like for it to be removed from my credit file permanently as Indo not owe the complex.
In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an Auto loan with XXXX XXXX in XXXX  of XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XXXX XXXX of XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on the XXXX of XXXX  but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was the XXXX  of XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.
Repeatedly call 7days a week all day and night XXXX balance I informed them I had been sick.
They keep calling me everyday even weekends and leaving me messages to call them back. Call them back they have automated systems