WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted XXXX XXXX to inquire about the remaining balance owe they say i owe them in the amount of XXXX thats apprearing on my credit report. {$10000.00} is total amount of the car which i leased from XXXX XXXX in XXXX. I paid on the car 2 years before it was repod. I called XXXX XXXX and spoke with XXXX and XXXX about the balance and was told the car was resold for XXXX in XXXX which was suppose to be deducted from the balance that ive already contributed to. From XXXX to the present, XXXX XXXX has been reporting inaccurate info on on credit report mainly Equifax and also late payments. Surprisingly after the conversation with this organization they reported AGAIN involuntary repossession on my Equifax report which caused my score to drop 78 points out of spite. Also while looking over my credit report it seems as though they changed at date from XX/XX/XXXX to XX/XX/XXXX.
I filed a complaint on American Express. Today I received a call from someone in their call center in XXXX who was using discriminatory statements, laughing about me the costumer not being to make the payment she was requesting {$3000.00} so they would stop reporting the wrong information on me, even though, I have a payment agreement with them and have been paying on time ( automatic payments ) the person on the phone was challenging me to pay $ XXXX+ three times what my agreed payment is to see IF from here on they will start reporting correctly, this is out right discrimination, extortion and unlawful that a credit card company reports false information on a customer. They also closed my account several months ago, they reported it to the credit bureaus which hit my credit score substantially, then they filed with the bureaus that my credit card was open and marked my credit with three late payments even on the months that I have paid my agreements. The account shows open in the credit bureaus and on their site is closed. These credit cards are abusers!
On XXXX of XXXX, I called to get my monthly payments lowered. No help waited on hold for 45 minutes to be told to go online and try to select an option. She stated on her end that she could n't lower it if I did n't apply for IBR. So I did what I was told. Never heard anything back so now its XXXX XXXX and I get an automated call telling me I was denied. I need to start paying XXXX by XXXX XXXX, XXXX I ca n't afford that. So I called again this time waited on hold for 1 hour. Explain my situation and everything. She basically told me there was noting she can do I need to pay by the due date and hung up in my face. So unprofessional and rude.
I have a total of 7 inquiries on my credit report, but I do not know what 3 of them are. 
XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Citibank - XX/XX/XXXX
I have fraudulent items on my credit report. I have inquires that I did not apply for as well as names and addresses that do not belong to me.I am a victim of Identity Theft
National Credit Systems is station that I owe a debt. I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company.
I paid my loan off on my mortgage with wells fargo. I had paid a earlier amount which they backed out of the loan. Before that I had paid like 6 months aheahead
TRANSUNION HAS YET TO PUT A FRAUD ALERT ON MY CREDIT REPORT. I FILED A COMPLAINT ABOUT TRANSUNION AND FRAUDULENT INQUIRIES ON MY CREDIT REPORT. THEY ARE STILL ALLOWING PEOPLE TO INQUIRE ABOUT MY CREDIT AND TRY TO OPEN ACCOUNTS IN MY NAME AND USE MY SOCIAL SECURITY NUMBER. ON XXXX XXXX, 2017, SOMEONE USED MY INFORMATION TO TRY AND OPEN AN ACCOUNT AT XXXX XXXX IN UTAH. I LIVE IN XXXX PA. REMOVE ALL OF THE INQUIRIES ON MY CREDIT REPORT THAT I HAVE STATED PREVIOUSLY AND NOW. DO N'T TELL ME THAT NO ONE NEEDS MY PERMISSION TO RUN MY CREDIT ESPECIALLY IF I AM FILING A COMPLAINT STATING THAT THEY ARE FRAUDULENT. I WILL CONTINUE TO FILE COMPLAINTS UNTIL THE INQUIRIES ARE GONE AND EACH TIME THERE IS A NEW ONE. MY NEXT STEP IS TO CONTACT MY LAWYER.
I have had a credit account with Bank of America for two years. During that time I have made payments with my XXXX Checking account which I had set up to use. Several months ago, my daughter added me as a secondary to her Bank of America Checking account. Since then my payment of XXXX was deactivated on their end, I was advised that I had to electronically resubmit my checking account number. When I did their system burst multiple verification numbers, so that when I attempted to verify, the Bank of America server locked out my account number. I am told that even though it was their mistake, they ca n't do anything about it. As a person with a XXXX XXXX in XXXX XXXX, I know this is not the case. They are telling me I have to be even more inconvenienced and I have to print a form to mail to them. Since I currently am without a printer I asked them if I could receive the form at a Bank of America branch. They told me I could n't because they were a separate entity. If that truly is the case then my payment method should not have been deactivated by above actions. I am not comfotable going to a public computer to do this, which is what they are telling me I have to do. So, I have to wait until I have the ability to print this form electronically from my home before this problem can be resolved.
On XX/XX/XXXX, CBE Group, CREATED a debt in the name of XXXX XXXX for {$170.00} and placed in on my credit report. They are reporting that the " Open Date '' is XX/XX/XXXX. I HAVE NOT OPENED AN ACCOUNT WITH CBE GROUP AT ANY TIME. I HAVE NOT OPENED AN ACCOUNT WITH XXXX XXXX ON XX/XX/XXXX as falsely reported. THIS INFORMATION IS BEING FALSELY REPORTED. In XX/XX/XXXX, I filed a bankruptcy and included XXXX XXXX. There is no account number listed or anything. I do not have any accounts owed to either of these companies for {$170.00}. This reporting resulted in a decline of my credit score by 14 points. I want this account immediately removed from my credit report and CBE Group banned from reporting anything on my credit report.
This company came up on my credit report. Then I received a letter from this company in XX/XX/2018 after it was noticed on my credit report.I have no contract with this said creditor.
On XXXX XXXX, XXXX while reviewing my credit report I noticed a debt was recently reported by Williams , Rush & Associates for a contract that I signed with XXXX XXXX in XXXX, TX. The amount of debt reported was {$8400.00}. On XXXX/XXXX/XXXX I contacted them and informed them that the debt reported was inaccurate. In addition, I sent 2 letters to them stating the debt was inaccurate and should be removed from my credit report. I also asked them to verify the completeness and accuracy of the information being reported and to provide copies of any documents bearing my signature showing I was obligated to pay {$8400.00}. They have failed to provide documentation indicating I owe this amount. I have also asked that they discontinue calling my personal number as well as other numbers listed as emergency contacts and instructed them that all future communications should be in writing. They continue to make daily phone calls to both my personal number and emergency contact numbers.
The court document filed by the Attorney for the Plaintiff filed a Satisfaction of Judgement on XXXX XXXX, 2010. 

The attorney directed the Court to release, discharge and fully satisfy the final judgement and direct the Clerk of the Court to CANCEL THE JUDGEMENT OF RECORD. 
To cancel is to withdraw the Judgment of Record. 
I forwarded copy of the document to Equifax to DELETE THE public record from my credit file and they refused per their confirmation # XXXX, Dated XXXX XXXX, 2015.
I have requested on 3 separate occasion for Bank of The West to simply send the Title for my vehicle to the Washington DMV. On all 3 occasions, I was informed they had received it and were processing it. I call back to check on the status and they then say they have no record of my request.
As such, I purchased my Vehicle In XX/XX/XXXX and have been unable to drive my vehicle for 2 months because of their ineptitude in processing a simple request for title.
I first noticed 90-day delinquency on my credit report- reported on XX/XX/XXXX for XX/XX/XXXX. I paid the past due balance on XX/XX/XXXX to quickly remedy the issue and prevent any more delinquency reporting to my credit. I called customer service several times after making the payment to understand how this was the case. After a couple weeks of reviewing email communication ( they never mail me anything ) and comparing it to the correspondence uploaded onto my online Navient account. There are SEVERAL documents that they are claiming that they have sent to my address, but I can assure these documents were neither mailed, nor emailed to me. The uploaded documents only show that a letter was generated, but does not show any proof that it was truly mailed. One document I was specifically looking for was a notice that my deferment was ending. My deferment was approved until XXXX, I did not receive any correspondence stating the deferment has ended sooner than XXXX.
The reason for filling this complaint is that I have not been able to reach a settlement with XXXX XXXX XXXX or Navient on a student loan debt originally accrued from XXXX. 

Original Loan Amount and dates :XX/XX/XXXX {XXXX} XX/XX/XXXX {XXXX} Total : XXXX XX/XX/XXXX I received a letter from the XXXX XXXX XXXX ( XXXX ) stating that they had contacted my employer for an ORDER OF WITHHOLDING FROM EARNINGS ( see attached document CFPB_GarnishmentLtr_2-16pg1 ). I spoke with a XXXX representative and attempted get clarification on the amount of the depth. I did not receive any assistance. 

XX/XX/XXXX XXXX Began garnishing my wages. I retained the services of XXXX XXXX XXXX XXXX XXXX XXXX ( see attached document CFPB_LawyerLtr316001 ) to negotiate on my behalf. 
XXXX XXXX sent the request on my behalf ( see attached document P16-742_Navient_XX/XX/XXXX ) I also attempted to contact my Employers XXXX XXXX XXXX Payroll office to inform them the amount of the garnishment taken from my pay is larger than the Public Law 102-104 ; U.S.C. 1095 ( a ) allows. No one from the corporate payroll has made any effort to return my request. 

Currently XX/XX/XXXX My biweekly wages have been garnished for a total of {XXXX} ( {XXXX} for XXXX and {XXXX} for XXXX as of : the current date ), at a rate of 25 % per pay period ( see pay stubs date for XXXX and XX/XX/XXXX. This is higher than the amount of 15 % that is allowed under the law. 
My lawyer XXXX XXXX has not received any correspondence from the XXXX, XXXX XXXX or Navient on the original request. I have not been able to reach a settlement or received any statements on the current balance of the depth. 
I have suffered from significant family medical expenses and this garnishment has caused me significant XXXX. I am now to the point that I am unable to keep up with my household expense. I am head of Household and the Sole income for my family. I am no longer able to adequately take care of my family. 
I am at the end of all options and I am asking for assistance in this matter.
I tried to dispute with Equifax an item is in my redit report, and there is a process of a Validation of this debt with XXXX XXXX, I also kept Equifax aware that I 'M in the process of a validation of this debt, therefore Equifax con not continue reporting this item if a validation of this debt is not provided to me, from XXXX XXXX .from this collector of this especific debr, but seems Equifax don not respect my FDCPA rigths, equifax still reporting this item is not validated see attached documents and FDCPA section XXXX validation of debts { XXXX XXXX XXXX }
Around XXXX/XXXX/XXXX I received an unsolicited call from XXXX XXXX, ( of Quicken Loans ) wanting to discuss refinancing my loan. He asked for permission to run my credit report I DID NOT GIVE HIM PERMISSION. I later found out that he ran it anyway. I filed a complaint with the company and wound up speaking to XXXX XXXX. He admitted that I did not give him permission, his defense was I did not tell to not do it. IT IS ALSO IMPORTANT TO KNOW THAT QUICKEN LOANS REFUSES TO GIVE ME A COPY OF THIS RECORDED CONVERSATION. I think it is obvious that the only reason they would n't provide a copy is that it would prove they lied. In an attempt to make this go away, I offered to not file a complaint if Quicken would refinance my loan with no cost to me. ( I had paid Quicken over {$5000.00} in closing cost on this loan in XXXX XXXX. On XXXX/XXXX/XXXX Quicken made an offer to refinance for {$7300.00} in closing costs which completely ignores my request. I started working with XXXX ( XXXX ) XXXX. She has demonstrated she has no desire to right this wrong. She told me to work with XXXX XXXX. He called and left a voice mail message, promising to call me the next day. HE DID NOT CALL AS PROMISED. When I complained to XXXX XXXX about the broken promise she had XXXX XXXX finally call me. After offering to PAY DOWN THE LOAN BEFORE REFINANCING ( remember they have the loan ) his offer was one with {$11000.00} OF CLOSING COST. 
I CAN BE REACHED AT XXXX. 
This is a serious complaint and I hope you will help me.
I spoke with XXXX XXXX at BBVA compass in XXXX, Fl. About a home equity loan. I told XXXX XXXX specifically in the presence of my wife, XXXX XXXX, that I did not wish for a credit report to be run until I decided to apply for the loan. XXXX XXXX assured me no credit report would be run until I was ready. I arrived home today, XXXX XXXX, 2017 to find in the mail two credit reports had been run. When I called XXXX XXXX she matter of factly stated that credit reports are run when she submits inquiries about loans. I thought consumers had the right to be protected from this practice when they specifically requested it not be done. Please respond to me at XXXX With high regards. XXXX XXXX
On XXXX XXXX 2017 I took my car to XXXX tuning to get an upgrade to my exhaust system. I was advised that it would take 3 to 4 weeks to complete the work. I tried to reach the owner of the business multiple times, left several messages no answer from the company. OnXX/XX/XXXXi went to the shop and saw that there were no work done on my car. The owner was very apologetic and stated that he was unable to complete the job within the time frame that we agreed. He also stated that he would give me a full refund of XXXX USD to my original method of payment Bank of America credit card ending XXXX. 
On XX/XX/XXXX he called me and told me that full refund had been made and that should reflect on my credit card within 7-10 business days. And since then my refund has not been made. 
After waiting couple of days, I contacted Bank of America to initiate a dispute as the merchant never refunded me or provided any service or products. Bank of America has not done its due diligence to resolve this matter. I have contacted them several times and sent all the required document multiple times, but the bank of America never provided any resolution to this matter. Moreover they never provided my temporary credit for disputed charge and it affected to my credit rating and payments. This type of service is not acceptable from banking institution because the customers should not chase the banks to have their problems resolved. The last time i contacted them they were not able to find the documents which i faxed them multiple times. Finally they confirmed over the phone that they found everything they needed but till now the issues was not resolved. Such a disorganized service from Bank of America is very ridiculous and very frustrating.
This fall, I received in the mail and email a special offer if you activate and spend {$500.00} per month, you will earn {$30.00} additional XXXX XXXX for the months of XXXX, XXXX, and XXXX. I thought that was a good deal, so I activated my XXXX XXXX card and started using primarily that card for holiday shopping and vacation. I called the company questioning where the XXXX XXXX  were today ( XX/XX/19 ) and I was told I never activated the promotion. When receiving the follow up mail, it said if you already activated your card, ignore this. So now I am out the additional XXXX XXXX and since I wasnt using my normal card, I didnt get that cash back. I am very frustrated. And this is the third issue I have had with this XXXX XXXX/citi card since activation in XXXX.
We filed a XXXX back in XXXX or XXXX and did NOT have our XXXX or our XXXX mortgages included in the XXXX. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER XXXX XXXX XXXX # XXXX or XXXX XXXX ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the XXXX and found out that he got his licensed suspended at the time because of numerous complaints.
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX- XX/XX/2016.
I was the victim of a wrongful foreclosure due to the Massachusetts Court ruling from the XXXX Case.
The property was wrongfully foreclosed by XXXX XXXX XXXX on behalf of Chase Mortgage.
The property in question is XXXX XXXX XXXX, XXXX, Massachusetts XXXX
It has come to my attention that there is a class action law suit against Navy Federal Credit Union for loan collection malpractice. During the period of time in question, I was a victim of some of the happenings that were taking place. Because I had my checking account and loans through them, they had access to transfer funds without my knowledge to settle up debts that they deemed delinquent when in fact they were n't even 30 days late. There were times when my account would be " frozen '' and the only activity I could make was to pay my loans at a time when I was paycheck to paycheck. When this would happen, my debit card was also frozen causing me to be forced to resort to credit cards to put gas in my car and food on my table to get by until my next payday when I could settle up with NFCU. There were also occasions where I would owe a certain amount and NFCU would simply garnish my entire checking account to fulfill a partial payment leaving me with {$0.00} balance without notifying me, freezing my account effectively locking me out of online banking and everything else, and then garnishing my incoming direct deposit to fulfill the remainder of said loan, again leaving me with little to no money for the following week. Not only did this prolong my hardship, but it forced me to rack up credit card debt which in turn caused me to enter into a debt management program to get out of the debt that had been created. 

It seems that there is a settlement with the people affected by there practices during this time, and I am writing this to ensure that I contact every avenue possible to make certain I get my fair share from the penalties they 've had to pay out. 

I 'm not sure what other steps I need to be taking, but hopefully this makes it into the correct hands and gets me on my way to a settlement.
I went into my local chase bank in XXXX, AZ to speak about getting a credit card which would be tied directly to my checking account since the bank is charging me XXXX each time they pay for a charge I make if funds are not available. Each month for over a year, I have been charged at least XXXX to XXXX overdraft charges which adds up to over XXXX a month. We applied for the card and it was denied. They said I had poor credit and refused to give me a credit card or account up to XXXX that could cover any charges I might incur. I think this is discriminatory and unfair banking practices since I applied for a loan online with liberty bank and received an automatic loan for XXXX. Immediately! Yet my own bank which makes XXXX of dollars per year off of my checking acct refuses to give me a credit card limit up to XXXX to cover overdraft fees. I have been paying the fees yet they said my credit is poor.To me this is ridiculous practice. It does not make sense for me as a consumer to continue to pay the bank these outrageous fees on my acct and not be given any credit with the bank. They also say they have the right to determine which charges they will cover so I have had a cup of coffee of XXXX paid with their XXXX fee and yet a car payment of XXXX was refused. To me, this is also discriminatory. Why would they not pay a person 's car payment which is necessary for the persons work and go ahead and pay for the cup of coffee? To me it is all about how much money they can make off of my account. 
I have explained this to the bank manager, I have called their XXXX number to discuss the over use of their of the XXXX fee and their discriminatory practice, yet they refused to deal with a simple solution because " I have poor credit. '' Yet they continue to rob my bank account with XXXX a month payments and their whim. Please investigate this policy and determine if there is anything I can do. I am just a middle class citizen who works long hours and am trying to survive.
I applied for a XXXX Discover Card about 8months ago, and everything was fine when I was paying with my XXXX account. However I move away to go to college so my mom gave me her debit card to process the payments. Discover card took my payments but never told me the debit card was not a form of payment that they use, so about two payments were rejected. I then put my mom on the phone so she could see what was going on and she is the one that found out about the debit card not being a form of payment. My mom then used her checking bank account, which was also rejected. My mom put the bank on the other line with the discovered card agent, to make sure everything was ok. Which discover card said that it would be ok, however that payment was rejected also. Discover stated it was rejected saying no account found. Instead of discover working this out with me knowing that one of their agents realized that it was a debit card I was paying with they still decided to close my account., due to the payments being rejected 4 times, which was because discovered never advise me that they did not take debit cards. My mother called in again to try it again, and now after two months of trying to get these payments to go through and agent advise her that they do except debit cards, but they have to transfer you to a different number, so this has caused my credit to go down or look bad due to discover not accepting my payments and not advising me properly, due to my account now being closed. 
I would like for discover to open my account back up, especially since I am still paying the bill on-time.