WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Citizens Bank Home Equityline of credit tied to a conventional checking account. Payments to the Equity line are automatically deducted from the checking account monthly. In XXXX of 2017 I overdrew the checking account with the automatic payment on XXXX XXXX. On XXXX XXXX I transferred {$5000.00} to the checking account. I assumed that money would go to pay the overdraft. However what I did n't know was that a separate account had been set up without my knowledge and that the money did not go to pay that ( see attachment 1 and 2 ). I have been charged % 18 interest on that balance {$380.00} which I was n't aware of. I realize that when I opened the home equity line I signed an agreement that Citizen 's could set up this account but obviously I had no idea that the account would not be paid off when the balance on the checking account was several thousand dollars. I found out today that the only way to close this " overdraft account '' was to personally go to the bank branch and request it in person. My total interest charges are not large, {$45.00} but the principle is important. I believe that setting up shadow accounts at the time of overdraft and not closing them when the balance is positive is predatory and deceptive
On  XXXX / XXXX / 2017  I noticed a hard hit on my credit report fr om Capital One B ank. Apparently someone has used my information to apply for a card. I have not done so.. Nor have I approved anyone else to.. I 've been working very hard to pay off my debts and improve my  credit score. The  hard hit only took off  XXXX  point but I ca n't afford to lose  XXXX  point ... The credit card help like informed me they could not provide me information about where the card request originated from. They told me all I could do was to mail them a copy of my credit report and a letter outlining the unauthorized card request . Hope for the best I guess. There is no department I could actually talk to about the problem.
In XX/XX/XXXX I received my credit reports and discovered Southwest Credit Systems reporting a trade line for an alleged amount of {$280.00} collecting for XXXX. I mailed Southwest Credit Systems a request for validation on XX/XX/XXXX and SWC replied with a generic one page bill ( attached ). I mailed a second demanded for validation on XX/XX/XXXX and received no reply, Southwest Credit Systems continues to collect by reporting the alleged debt on my credit report ( see attachment ). 

Southwest Credit Systems failed to provide me with an assignment which is a requirement under California 's Rosenthal Act CA. Civil Code 1788.13 ( L ) Which states, " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' SWC also violated California Fair Debt Buying Practices Act 1785 ( a ) ( 2 ) which states, " The debt balance at charge off and an explanation of the amount, nature, and reason for all post-charge-off interest and fees, if any, imposed by the charge-off creditor or any subsequent purchasers of the debt. This paragraph shall not be deemed to require a specific itemization, but the explanation shall identify separately the charge-off balance, the total of any post-charge-off interest, and the total of any post-charge-off fees. '' The PDF 's provided by SWC indicate what appears to be a 1 month billing cycle for an alleged amount which are half legible ( see attachments ).
Had a loan with  Bank of America  for years always on time or late a few days but fell on hardship times they would not take parsial payments or works with us we fell  XXXX  months behind and went to a goverment program to help with payments property unlimited for 3 months now 6 months behind an d bank of america d id not want to work with goverment program after approved for it bank of america said no then loan was sold to another lender who taught us about hardship papers and loan modifications to help us  bank of america never offered us this. then after loan sold still had home equity with bank of america d id not hear from them at all tell foreclosure time i forgot  about home equity thought new mortage company had it but they did not then bank of america could not find info on pay off and loan denided they had it tell cosing date for sell er then they found the loan number but would not release pay off to attorneys or myself or even there own attornies been a night mere so unhelpful and decietful and fustrating.
I filed a dispute with Equifax for a judgement on my credit report. Said judgement was deleted from XXXX and XXXX but Equifax updated the file to state " satisfied ''. They then placed the date XXXX/XXXX/2015 as the satisfied date. I am not able to obtain a mortgage due to their misinformation. I have re-disputed this information twice and they will not change the credit file.
On XXXX XXXX XXXX XXXX from Wells Fargo called me and left me a voice message advising me that he is sending Wells Fargo 's resolution as their response to my complaint to your office and on XXXX of XXXX I received his response from you via email. In his message he asked me call him if I had any questions so that we could discuss it. I have called his XXXX different days and left him a voice massage today that it is 5 business days after my call ( s ) he still has not responded. In his voice message he indicates & advises the customer to leave him a message and that he would return the call within 24 hours or One Business Day. Even his voice message is not based on honesty. 
I am filing this complaint because he has left me in the air without returning my calls and ignoring my concerns. W.F. is trying very hard to get my house foreclosed and have not cooperated an inch in the entire time nor wanting to help. Only with a logo of " We are here to help '' ( help whom, themselves or the customer?? ) a pretentious way of fake identity. 
Please contact this abnoxious man and ask him why he is not following the rules or any laws? Plus he did not acknowledge or replied to my concerns in my previous appeal. The only reason I can think of is because he has absolutely nothing to say in favor of Wells Fargo and he can not tell the truth either. 
I will hire a lawyer to sue Wells Fargo if they do not cooperate and help me save my house. His phone no. is : XXXX Ext. XXXX. 
Thank you, XXXX XXXX
I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.
I have a collection agency trying to collect a debt that was paid for by the insurance I had at my job. I am now XXXX and the collection is on my credit report with XXXX. XXXX has eliminated it, and as far as I know so has XXXX. I submitted a statement to XXXX. I called the collection agency and was told if I came up with proof they 'd take it off of my credit report. However, I was homeless from XX/XX/2015 until XX/XX/2015. I lost my home because I fell behind in rent, due to my XXXX XXXX. The proof I had that the debt was paid is gone because I was unable to carry all my paperwork in my car. My car 's transmission went out and I no longer had nor do I still have any transportation of my own. I 'll keep fighting this because I was told the insurance company took care of this in the paperwork I no longer have due to circumstances beyond my control.
Planet home lending took over my loan from XXXX bank earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX. This was in XX/XX/2016 and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX since last XXXX but all of sudden, my XXXX monthly payment jumped to $ XXXX. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until this XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
Dear Sir/Madam : Please see attached cover letter describing the events regarding my complaint against the Lending Club. In addition, I also have attached two correpondence, as outlined on my cover letter. 

Sincerely, XXXX XXXX XXXX
I have been dealing with Experian since XX/XX/XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XX/XX/XXXX asking then to remove inaccurate information in which Experian came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified by a 3RD Party vendor ( in which is not accurate ) but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and/or sent me documentation on how they verified the information that they put on my credit report.
Rocky Mountain Credit ( no license # on letterhead ) at XXXX XXXX, XXXX, Mt XXXX, XXXX XXXX XXXX XXXX. Reported me as a delinquent on my credit report, even though I disputed the claim within the 30 day timeline. I requested any type of document with my signature, they failed to do so, and sent me a bogus XXXX invoice that even I can generate. They reported this as a delinquent account even after I followed the legal steps and disputed, without them being able to verify the debt. What steps do I have to take to clear this erroneous reporting on my credit report, and to evoke their collection agency license?
I paid a Diversified Consultants at total of {$270.00} on XX/XX/XXXXfor a XXXX XXXX XXXX bill. I requested a letter be mailed and emailed to me. The company said sure. On XXXX XXXX or XXXX I called back because i never received the letter or email. I was told it will be emailed. On XXXX XXXX I called again XXXX and XXXX told a letter had been mailed out to last week. When I inquired about the letter being emailed to me I was told I had to send them something in writing to have the letter emailed to me. When I asked for an email address I was told their email was down and they did not have a fax number. 

I called back later to leaned the names of the individuals I spoke with, and I spoke with XXXX XXXX, who said he would drop a letter in the mail, but did not ask for me to send him a letter of request. 

Three issues : 1. I was told the letter was mailed.
2. I was told they could not mail the letter without me sending them a request. 
3. XXXX claims he is going to send me a letter without a letter of request from me. 

So what is this agency 's policy, did they ever mail me letter like they said, will XXXX really put a letter in the mail, do they really need a request from me, is their email really down for more thank a week? This agency appears to be lying to the consumers.
XXXX is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both XXXX and the XXXX XXXX and has not received a response to my compliant.
I am employed in the XXXX business, I see other people 's credit every day, I have been now over 3yrs since chapter XXXX bk and have well established my credit, have paid all accounts on time, a mortgage, a vehicle credit cards and so forth on XXXX the other day, my Equifax score dropped XXXX points!!!. I continue to be turned down for insurance, credit offers, etc, all the time because of my low credit rating, yet I consistently see others that DO NOT have the history or depth of my own and they are over XXXX, a young man the other day came in a year on the job and a collection and with a XXXX credit limit he was over XXXX. The reason I 'm being told my score is low is because of inquiries, yet how do you rebuild or build a credit profile without an inquiry? I have patiently waited and my score has remained low as I stated earlier I continue to be declined for a simple credit card because my score is low. They even refuse to remove a tax lien from XX/XX/2009 that the XXXX has removed on there end, I sent all documentation to Equifax. I feel that I am not being treated fairly and that the system is very flawed, ( I can without a doubt prove it ). I am requesting an investigation into all XXXX OF MY REPORTS THANK YOU XXXX XXXX.
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX  Account. My mail had also been intercepted by the perpetrators for over XXXX years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.
For the past 2+ years, I have given Navient specific directive to the penny on how to repay my XXXX individual loans. I have been told that they are doing what I asked, but on 3 separate occasions now, I have found out that they in fact ARE N'T doing anything that I have asked. So each time I am being assigned a new " advocate '' who 's job it is to assure me that they will be the ones to set this straight. So some of the problems. Navient refuses to show you a breakdown monthly of how much interest you are charged. Texas however has consumer protection which require lender to display this info. Navient claims that their yearly display and a formula to calculate it is enough. That is the lessor of my 2 main hangups with Navient. The second is Navient is n't using the loan specific payments which I and my 3 separate advocates have specifically setup for each loan. I have confirmation from senior customer service folks at Navient that for the past 2+ years they are simply applying my loan specific payments HOWEVER NAVIENT SEES FIT. Well I got a new advocate last week to try and fix it for the Nth time and now my account history is missing. At this point the variance is in the XXXX figures and growing daily.
Company called my wife and I several times with a recorder message saying I was a person of interest and that we or our legal representative should call back to make a statement. Not sure what this means bet they called with XXXX different XXXX area code # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 at XXXX XXXX
I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017,  yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from Equifax showing that the XXXX XXXX and Equifax are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that Equifax shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.
on XX/XX/2016 I went into Walmart to purchase XX/XX/XXXX decorations. During checkout the clerk informed me that I could get XXXX % off my purchase if I applied for a Walmart credit card. I agreed. I put my personal information in the terminal and he took my drivers license and input my information into the check out. I was approved and was then told I would receive a XXXX % discount on my purchase, instead of {$50.00} off. Once the purchase was completed {$150.00}, I did not see the XXXX % discount and was told it would show up on my statement. I received my credit card and my name was posted wrong. It listed my last name first, my middle initial was for my first name and my middle name was posted as my last name. I received my statement and received a credit for {$22.00}. I called the customer service center to complain and I was told there was nothing they could do. I informed them that my name was spelled wring and requested assistance to correct it. I was informed to fax a copy of my license to a number and it would be corrected. During the interim, I used the card. On XX/XX/2016 I tried to use my card at XXXX and Walmart and it would not let me complete the transaction. I called Walmart customer service and was told that I was told that the first time I called the representative should have allowed me to select a PIN and that I can not use the card, because the deadline have passed and they would now have to mail me a PIN to use the card. The problem that I have experienced is that I was not disclosed, or disclosed wrong information - otherwise, I would not have applied for the card. I was also put in embarrassing situations without being told that I needed a PIN to use the card. 
Thank you for any help that you can offer.
Back in XXXX, XXXX a judgement of {$6800.00} was added to my credit report by Cavalry SPV I , LLC. I had no idea that this case was going on. A year later the judgement was deleted from my credit report then in XXXX XXXX decided to start reporting the {$6800.00} and then added {$740.00}. I called the company and they gave me the run around about the account. I 'm in the process of trying to buy a home for my family due to my son needing special rails in the house. I 'm seeking to have this removed off my credit report.
This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my Equifax and  XXXX  reports.   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX 
  XXXX   XXXX   Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type : SECOND MORTGAGE 
Date Updated:   XXXX   
Payment Received:   XXXX  
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   
Pay Status: >Account paid in Full; was
a Charge-off<
Terms:  $   XXXX   per month, paid
Monthly for 180 months
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX  for   XXXX  <
High Balance: High balance of   XXXX   from   XXXX    to    XXXX  ;  XXXX  from  XX/XX/XXXX  to   XXXX  
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX     XXXX       XXXX    XX/XX/XXXX   XX/XX/XXXX
I am behind on my car payment not 30 days which is in my contract, the customer service representative that keeps calling is XXXX XXXX ( XXXX XXXX XXXX Ext XXXX. Yesterday, was really the last straw for me. She shared information about me to a Co-Worker about my debt problems. After I told her many of times please do n't call me on my job, that I get off at XXXX.
An agency going by the name premier portfolio group keeps calling me and several people I know from several numbers all over the country saying I have XXXX hours to respond, that I 've committed fraud and the likes. They never say who the original debt is from, and I am yet to be served with any papers