WillisBack/dataset-financial-user-claim huggingface dataset:
I have leased XXXX XXXX vehicles from XXXX over the last decade and have never had an issue. My XX/XX/XXXX XXXX XXXX lease is complete on XX/XX/XXXX. I only used XXXX mile of my XXXX mile lease and my vehicle is in perfect condition so it is worth more than my residual payoff balance is {$22000.00}. I decided not to purchase another XXXX vehicle because of poor service and was offered {$24000.00} for the vehicle as a trade in. However, the payoff quote issued to the dealer was {$25000.00} when my contractual payoff with XXXX if I purchase the car is only {$22000.00}. I have been told that XXXX is the only brand that has this practice to prevent customers from purchasing brands other than XXXX. I can not believe that they would treat their customers so poorly in order to make a XXXX.
Rushcard went through a system update on the XXXX of XXXX and I have not had access to funds since then, and this includes a direct deposit that was supposed to have hit on the XXXX. I checked my balance after they said the deposits were late due to the system update and it showed on XXXX XXXX, but by the time I got to an atm ( about XXXX minutes later ) the funds were gone and the balance was {$0.00}. I called Rushcard and they claim they do not show a deposit and to contact payroll at my job to see if the funds were returned. My job assured me no money was returned and that Rushcard has my deposit. I have not been able to get in contact with Rushcard as the customer service number now hangs up on you.
I was left a voice message on XXXX/XXXX/2016 stating that I had a court summons against me and that I was in danger of missing my court date. The message did not identify the person calling but said she was calling from XXXX and that the issuer was XXXX XXXX XXXX. 
I called back and was greeted by a man with the word, " Litigation. '' -as if his department was the " litigation '' department. He identified himself by name and said he represented XXXX XXXX. He told me that several warrants and court summons had been sent to me by mail and that I was being sued, that there were allegations against me including " fraudulent abuse of contract. '' He read an old credit card account number to me and said that I owed over {$1600.00} on said account, that plus the pending court judgement could cost me " up to {$4000.00}. '' I had a record of my debt and the last amount I had recorded on this account was about {$500.00}, not the amount this person was reporting. I told the man that I had not received any court summons in the mail and he acted suprised and said he " would be delivering the summons to me in person tomorrow '' and that I would have to appear in court. I began to feel suspicious at this point. 
He asked me if I was willing to settle this debt today for {$900.00} and I said yes, but I still felt suspicious so I told him I would have to call him back.
While attempting to negotiate some sort of settlement with Wilber Law Firm/Group, etc., I was repeatedly spoken to with complete disrespect. The representative XXXX, was rude and unprofessional on most every call I 'd ever experienced with her ( about 4 or 5 ). After several unsuccessful attempts to negotiate a reasonable repayment plan and consistently being spoken to like a useless bum of some sort, I eventually decided I 'd need to find a different route to settle this debt especially being that all of the harassment was coming from a " debt collector ''. I later learned that law firm had already sent a letter to the DMV causing my driving license to be suspended months earlier. I am currently in the process of researching if the action was even a legal one on their behalf. I even mailed a letter to the firm during all of this informing them of the tactics being used to force me to pay the debt. Who responded? XXXX. When I called for the last time to attempt speaking with a different person ... again I was taunted my none other than XXXX. When requesting verification of the debt, she mailed me cut off documents that explained none of what I 'd asked for After she 'd already let me know that the company should n't need to waste their stamps due to me being irresponsible. I later researched to see if I was the only person having such a problem from this company to learn that several complaints have been filed against this company for many of the same reasons and some even worse. The lists of complaints go back for years. Well, add this one to the list.
On XX/XX/2016 I applied to CommonBond for refinancing my two XXXX XXXX Student Loans into one with a smaller monthly payment. I received letters from XXXX that they had taken over my loans from XXXX XXXX ( via CommonBond ) and got my new amount and payment information. 

Two years later I found out that there was still a balance owed to XXXX XXXX. My mother was getting the notifications sent to her junk email and told me about it a few months ago. She made a payment at one point, not exactly sure why XXXX XXXX still had a balance. 

For the last couple months, I have been talking to Customer Service at Common Bond and XXXX XXXX, trying to figure this out. I got in touch with CommonBond and worked with a rep named XXXX. We spoke back and forth for a few months. Eventually, she agreed that I should not have a remaining balance with XXXX XXXX, as Commond Bond should have paid all of the remaining balance when I refinanced ( I have our email conversations. ) So I told her that I would like them to fix the issue because they messed up when they consolidated my two loans in to one. She agreed and asked me to refinance again. I went to do so, but then she informed me that my payment cycle would reset. The problem with this is that I am now under a year away from removing my mother as a cosigner. I have never missed a payment or made a late payment and I do not believe it is fair that I should have to start over when they made the error in the first place. 

I called XXXX XXXX to get the exact reason and timing why Common Bond made their error. Here is what I was given : Common Bond paid the incorrect amount for both of the loans they were supposed to pay in full for my refinance. The amount due was {$28000.00} and they paid {$28000.00}, leaving {$620.00} on one. The other amount due was {$15000.00} and they paid {$14000.00}, leaving {$360.00}. They did not do their job in properly refinancing my loan. Where I should have {$0.00} left on XXXX XXXX and only one payment to make, I have been left with two loans like it never even happened. The amount has been sitting an accruing interest. XXXX XXXX also informed me that they didn't pay the amount until XX/XX/2016, even though I applied in XX/XX/2016 and was approved.
Equifax was reporting incorrect info on my credit report and this problem was very difficult to communicate with on the phone.       XXXX   and   XXXX   removed the incorrect information while  Equifax  did not.     I also believe they are implementing fraudulent business practices by advertising a low introductory rate on their website and then giving an error code after you submit your request. Then when you call the number they give for assistance they tell you they can only give you a higher rate over the phone.
On XX/XX/18 I deposited a check into my Chase Checking account. 
This check is from my insurance company XXXX XXXX for {$10000.00}. This is being used for my home to which was destroyed by a tree falling on it. 
When I deposited the check, Chase informed me they are holding it and it can not be cashed right away. 
I am disappointed being Im a long time chase customer and its an emergency. The check is also a Chase Check, so I should be able to get the funds immediately after depositing considering its coming from their account.
On Tuesday, XX/XX/XXXX I mailed my XX/XX/XXXX payment via Standard delivery. The payment was not credited to my mortgage account until Thursday XX/XX/XXXX, 9 business days after it was mailed. As a result, PennyMac is reporting my Mortgage account as 30 days late for the XX/XX/XXXX payment. Per the United States Postal Service website, average time for First Class and Standard delivery is 1-3 days. I have spoken to a PennyMac representative several times - onc e in XX/XX/XXXX and several times in XX/XX/XXXX, disputing their reporting of my mortgage account. They refuse to take responsibility for the delay in posting my payment, and continue to place the blame on the United States Postal Service for the delay. I have never been reported as late on my payment, and have previously mailed my payment the last week of the month.
We were unaware of the monthly fees that were being charged by Citibank to our checking account given the account has a XXXX balance and has not been utilized for awhile. Each time a monthly fee was incurred, Citibank simply debited the overdraft account that was linked to the checking account. This practice was never disclosed to us which resulted in months of monthly fees ( totaled to over {$280.00} ) being charged by Citibank to our account. We are not a multi-billion dollar corporation who can afford to pay for the hefty fee for a checking account that was not utilized. We had to spend hours at the branch and calling the bank 's customer service number to try to resolve this issue. Every time, we were told that there is a limit of the amount of fees that they could credit back to our account. While all the representatives were very sympathetic to our situation and understood that this practice was unfair and that Citibank is enriching themselves based on a customer 's honest oversight, they were not empowered to resolve this issue. Further, the only way we could stop this monthly fee from being charged again was to pay the outstanding fees so we could have the account closed. However, the catch here was that if we opted to close the account, we were told we lost our right to ask for refund back on the unjust fees that Citibank charged. This can not be right! Closing the account to stop the fees from incurring equates to us losing our right to escalate this issue further for resolution?
nordstom with them 20 years starting in XX/XX/2014 a bunch of stonewallers put notes not to refund my interest. you know POWER politicians this is just to show how many power people are ouf there. i asked for interest back now i was told no. i then closed my card and asked for the refund they say now they will not refund the interest but closed the account. this is what the enxt president has to take on. GREED like this. i know i will get a script answer its valid. oh yes its valid but my business for 20 years is valid. too. Banks will write off fees when you dont pay at all but bad banks will not help good customers. no answer will address this but publish nordstrom bank is greedy powerful politicians and i am done. also i will NOT be paying the unrefunded interest if i have to i will fight ya at the credit bureaus. keep your scripted answers to yourself I am done. its a greedy day in america they are willing to lose me over XXXX dollars of itnerest XXXX XXXX refunds me every month GOOD RIDDENS
Mr. Cooper contacted me in XX/XX/XXXX and said that because I live in Florida and our area was declared a disaster area they are offering a Forebearance program whereas they would allow you to skip from one to six payments at no penalty. The payments would extend the length of your mortgage by the amount of months you chose. I chose six months. When I went online to resume my payments in XX/XX/XXXX I was horrified to see that it clamed I owed fourteen thousand plus dollars and was ineligible to make payments.I never heard one thing from Mr. Cooper about being behind on payments between XX/XX/XXXX and XX/XX/XXXX when I finally contacted someone. For nearly a month I called and left messages and finally got a call back in XX/XX/XXXX. The rep said I did not qualify for that program and I had to pay the full amount or go through the refince process. She said there was never a forebearance program, they were told to read from a script and the goal was to get you refinanced at a higher interest rate. They ruined my credit by reporting non payments and I now have to pay over three thousand a month to get caught up. She claimed to have no answer as to why no one called me to tell me I did not qualify for this non existant program after they signed me up for it, or why they never called when my first payment became delinquent.They will not get rid of any late fees and will not contact the credit reporting agencies companies. They conned me during a time of a disaster and scammed me.
I have disputed the XXXX account on my credit report. This account do not belong to me. I have asked XXXX to send me information with regards to this account and I have not received any response back from them. This is because they do not have any documents with regards to this account. I would like Transunion to remove this account from my credit file.
On XX/XX/XXXX I had one day XXXX on my XXXX XXXX I received from my insurance XXXX XXXX of Illinois what I was responsible to pay {$1300.00} and paid it. On XX/XX/XXXX I received an alert from XXXX XXXX that a collection agency, Medical Business Bureau was added to my XXXX XXXX credit file. I called the Medical Business Bureau, they said I had an outstanding bill for XXXX from XXXX XXXX from XX/XX/XXXX in the amount of {$1400.00}. I never received a bill from XXXX XXXX, I also called them and they told me that my insurance information was not even on file with them. 
I also called XXXX XXXX of Illinois, they are submitting the claim to see if my insurance at the time will cover the XXXX   bill of {$1400.00}. 
So now this outstanding bill that I never received from XXXX XXXX is affecting my credit. I am also getting alerts from XXXX  due to the same issue.
This company, which i hold no contract with nor have i received services from, have reported a collection account against my SSN in the amount of   XXXX  with  XXXX  ,  XXXX , and  XXXX  credit reporting agencies.I requested verification of the debt and account.However, the business failed to provide adequate proof considering the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof i am not obligated to pay for the alleged debt.
THE COLLECTION AGENCY IS CALLING OTHER PEOPLE ( FRIENDS, FAMILY ) TRYING TO REACH ME
Wakefield and Associates is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
The Bank of New York Mellon offers a Heath Savings Account. On their website they provide Electronic Funds Transfer to make deposits into the HSA account electronically from your bank or credit union. I made an EFT deposit into my HSA using the Bank of New York Mellon HSA website on XXXX XXXX, 2015. My personal bank account was debited on XXXX XXXX, 2015 for the amount. As of today, XXXX XXXX, 2015, my HSA Account at the Bank of New York Mellon does not reflect the EFT deposit despite the fact that they have had the funds for XXXX days.
These accounts with your company have been reported to my credit report fraudulently .... I have been dealing with issues of identity theft where someone has been using other people addresses to open fraudulent accounts these accounts that I recently discovered are on my credit file and need to be removed asap from an XXXX  XXXX XXXX. I got their information the first of XX/XX/2018 and have been mailing them advising them of this issue and they have not responded or removed this fake accounts and they are out of compliance and continue to report information that they know not to be correct
XXXX XXXX is manipulating my credit files in violation of federal law. XXXX XXXX and Experian are complicit in this manipulation. 

I have attached two copies of my XXXX XXXX file ( Experian is the same ) showing that XXXX XXXX had closed the account in XX/XX/XXXX. They changed that report in XXXX to move the closed date to XX/XX/XXXX. This is negligent non-compliance at best and willful non-compliance at the worst. I did not redeem this repossession nor did I rewrite the balance in any way. The change of the closed date dropped my score XXXX points because it now appears that this is a recently closed collection. 

I already have a complain against XXXX XXXX for violation of the FCRA and FDCPA. ( Complaint number XXXX ) They had reported a balance of {$71.00} as late as XX/XX/XXXX. But when I tried to pay it, they said the balance was {$1500.00} and settled it for more than {$500.00}. Clearly a violation of the added funds portion of the FDCPA XXXX XXXX and EXPERIAN allowing this manipulation of federal law is definitely negligent non-compliance
The is at the least the XXXX complaint that I 'm filing against Smith Debnam Narron Drake Saintsing & Myers, LLP and XXXX within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving XXXX debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all XXXX has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want Smith Debnam, Narron, Drake, Saintsing, & Myers, LLP, and XXXX investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with XXXX 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor of North Carolina, and the Governor of Ohio about XXXX and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what XXXX has done to me and possibly many others.
Between mid XX/XX/XXXX and XX/XX/XXXX, Equifax experienced a data breach, and my financial information was, likely, divulged without my consent.
For the past 5-6 months I have been trying to get Wells Fargo to explain to me why is this a mortgage.I went with my mother in XX/XX/XXXX to Wells Fargo to get a debt consolidation loan.She XXXX XXXX in XX/XX/XXXX, I ( XXXX XXXX ) her daughter got the house willed to me.They did a modification in XX/XX/XXXX jto lower interest rate.I paid monthly on the note .Then I find paperwork from XXXX that was added to the Wells Fargo note.To this day, they said I do n't make enough money to get a modification.My only 2 opinions is pay what is due or sell the house.NOT HAPPENING!! They still have n't answered why it 's a mortgage and why XXXX is still on there.That was my mother 's I feel I and my mother XXXX rest her soul have been taken advantage of.
I received a letter from National Enterprise Systems on XX/XX/2019 stating XXXX was going to collections because there was an account by XXXX XXXX XXXX . I never initiated and or applied nor received or purchased anything from this company. I am a victim of identity fraud. They also initiated several hard inquiries over the years gone unnoticed.
I sent a letter to LexisNexis via certified mail requesting that they verify the erroneous entries their company is reporting about me. The tracking from the USPS XXXX shows the letter was delivered on Tuesday, XX/XX/XXXX. It has been more than 30 days as today is XX/XX/XXXX, and I have not received any proof that the company investigated this matter at all. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that they immediately delete this information from my reports.

Excerpt of the original letter I sent containing the inaccuracies.

" I was recently informed of negative information reported in the file LexisNexis maintains under my Social Security number. Upon ordering a copy of the report, I found the following inaccurate : Eviction ( s ) : 16CC00519 Date : XX/XX/XXXX Dismissed Wrongfully filed and the case was dismissed please remove. 

Phone numbers that are NOT : XXXX XXXX Must be removed Addresses that are NOT : XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Must be removed Email addresses that are NOT : XXXX XXXX Must be removed Traffic Violations : Case # XXXX Date : XX/XX/XXXX Not traffic related Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Must be removed Please validate this information and provide me with copies of any documentation associated with the above mentioned. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. ''
When I applied for a loan I was told by the lender my credit score from Experian was XXXX however when I called Experian I was told my credit score was XXXX. I was denied the loan and Experian was unable to provide an explanation as to the difference or how I could even correct it. XXXX and XXXX  both had my credit score over 800. I was aware of only 3 collections and all three were medical and under {$100.00}. I am XXXX and have never been delinquent on any loan. If a credit reporting company is going to provide a service like this then they need to be consistent and disclose to the public how different risk models work,
On or about XX/XX/2018, Citi sent a credit balance check to me for {$23.00}. I have been making payments and charges for weeks. The reason stated was that I requested the return, which I did not. 

I had made a {$3.00} parking charge to that card on or about XX/XX/2018. This charge was not deducted prior to sending me a check. This would mean that I would have been responsible for late charges and interest charges, which I have not yet looked to see if they were charged or not. If the charge was made 4 days prior to them sending a check a did not request, this amount should have been deducted from the credit balance. 

Federal law says they are supposed to contact me to see if I want a refund of a credit balance that remains at 6 months. If I am charging and paying intermittently, how are they determining a balance remained for 6 consecutive months. New charges should be deducted from the oldest credit balance.
Collection agency sent me a demand letter on XXXX XXXX, XXXX giving me 30 days to dispute. I notified them I had no knowledge of this bill with XXXX and that it was fraud. I contacted XXXX and they confirmed it was fraud. On XXXX XXXX, XXXX I sent the collection agency my police report, my proof of address when the outcome was opened, my ID card, and my notarized XXXX fraud affidavit. The collection agency notified me the same day that they would forward everything to XXXX to get resolved. At this point this item was not on my credit report. I never heard/received anything further from the collection agency. On XXXX XXXX, XXXX I pulled my credit just to check to make sure nothing was reported, however to my disbelief the collection agency was on there as of XXXX XXXX, XXXX. Not only did the collection agency never provide me with documents proving I owe the debt, but they also reported this negative item to my credit report prior to my 30 day dispute timeline. Not only that, but they also reported this to my credit even though they were aware this was fraud.