WillisBack/dataset-financial-user-claim huggingface dataset:
I called XXXX XXXX to close my account and they refused to closed that account ending in XXXX and said that I have a negative balance on my account in the amount of XXXX that I 'm not responsible for and I ask for a supervisor and she told me that another banker gave me XXXX credit which I never wanted and she never told about this credit and if I did n't get this credit it would cause my account to be overdrawn by XXXX and I received my paycheck from XXXX in the amount of XXXX on Saturday XXXX XXXX, XXXX and I transfer that amount to XXXX XXXX the same day and within few days my account end up overdrawn XXXX which I 'm not responbile for I want my account to be closed and mail stop deliver to my address this is wrong and XXXX XXXX is Robbing me
XXXX refuse to remove the fraudulent accounts listed that do not belong to me. I have sent them a police report to no avail.
My credit report was obtained via Exquifax 's servers without my consent.
I fear for the safety of my personal and financial future.
XXXX XXXX XXXX, I received a letter " Notice of Proposed Wage Garnishment, Due to Debt Owed to US Government '' dated XXXX XXXX. I was under the impression that I was on a deferment. As I read the letter, it stated that I could call Account Control Technology. I was then informed that Account Control Technology had my account since 2015. I advised that I was never advised that Account Control Technology was handling my account. I was under the impression that XXXX was handling my account. I advise Account Control Technology that I was never aware that they were handling my account and asked how could they garnish my wages if they never attempted to contact me. I advised that my address and phone number had not changed, I advised that this was a unfair and deceptive practice. I asked to escalate the call to a manger because I wanted to speak with a reasonable person. XXXX 's manager got on the phone and acted as she wanted to assist but disconnected the phone when I challenged her on the collection tactics. If I owe the amount specified, I would like to clear my debt.BUT IT IS NOT FAIR THAT ACCOUNT CONTROL TECHNOLOGY HELD MY ACCOUNT FOR 2 YEARS THEN TRY TO GARNISH MY WAGES. THIS IS VERY UNFAIR AND UNFORTUNATE. I SHOULD BE GIVEN THE SAME OPPORTUNITY AS OTHER TO MAKE PAYMENT ARRANGEMENTS. NOT BECAUSE A VENDOR HELD AN ACCOUNT AND NOW THAT IT IS AGED THEY ARE TRYING TO ENFORCEGARNISHMENT. I can not afford to pay 15 % of my income as stated on the garnishment. I can pay at the most {$25.00} a month. XXXX XXXX XXXX lied to me about my loan and I do not remember signing the promissory note that was indicated by Account Control Technology.
I have had financial set backs over the course of 4 years. I have modified my quality if life to relieve my debt ; but these private student loan interest rates have made it impossible for me to pay and survive at the same time. I have been harassed by callers and by mail. The proposed payment amounts are unrealistic. The problem is the steep accruing interest -- not the original loan amount. I have paid my other bills, controlled my spending, sold furniture and took my daughter out of private school. These loans not only affect me, but yet another generation. The berating from the company callers is incessant and demeaning.
On XXXX XXXX, XXXX my Account was compromised by the XXXX XXXX XXXX XXXX. Washington Federal Bank took immediate action againist, the Hotel Manager but, the Hotel Manager has had all the 'laughs ' for the last ( 5 ) Months, And Now the Bank participates in the 'laughs ' as Well. 

1 - Debit Card is not functional for XXXX/XXXX which is, 'crictical ' for Water Supplies without Incident and Injury as well as, USPS Mail Pick-up. 

2 - Policies for Insurance Coverage for " Renters '' and " Identity Theft '' were of ' 'Formal Compliant ' for XXXX, XXXX and XXXX only, covering XXXX Weeks of Renters XXXX and 0 Days of Identity Theft Policies. ( 5 Payments totaling {$75.00} ) 3 - Discrimination in Fair Rent, Discrimination in Fair Credit Reporting, Discrimination in Fair Housing. ( Overcharges {$1200.00}, Losses {$800.00} )
I have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Experian continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. XXXX is missing ontime payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX  and Experian. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Experian the dates XX/XX/XXXX and XX/XX/XXXX of are listed at 150 and 180 days late but XXXX   has them listed as 120 days late. on account number XXXX Experian has dates XX/XX/XXXX and XX/XX/XXXX listed 150 and 180 days late but XXXX has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both acccount one of XXXX and the other XXXX they are both charged off the balance should be XXXX
JH PORTFOLIO DEBT EQUITI Account Number : XXXX ... .... 
This information was found on my credit report from XXXX. The company above never contacted me.This is a collection company that reported a collection for a debt that started in XX/XX/XXXX on my credit report to XXXX. I have no knowledge of this debt. I have never used the credit mentioned in XX/XX/XXXX. I have only XXXX major credit card that I have been using since XX/XX/XXXX and I am in good standing. I do not know this company and I was never contacted by this company in writing to validate the debt which is not even listed to any of my credit report. I knew about this, because I have a company that monitors my credit and alerted me about this issue. Please help.
In XXXX, 2016 I used my credit card with account number ending in XXXX to reserve a room at XXXX - XXXX for 7 days from XXXX through XXXX with the amount of {$450.00}. On XXXX/XXXX/2016 around XXXX When I arrived in the hotel, I immediately felt the need to change to another hotel due to unacceptable room conditions - TV not working, no hot water and filthy room environment. Around XXXX that evening, I informed the receptionist of my decision to end my stay early due to the unpleasant room situation. The room condition was so abhorrent to an extent that the receptionist had to apologize to me, reduce the rate and honor my decision. I then paid {$100.00} cash in full for XXXX nights and proceeded to book other hotels. 

I want to emphasize the fact that prior to my actions, I called BOA Credit Card Customer Service and spoke with the representative who verified that the amount of {$450.00} did not appear on my credit card statement. BOA representative further reassured me that this amount will NOT appear on the statement without XXXX swiping my card. With BOA 's reassurance, I felt comfortable and protected to end my reservation with XXXX early and book other hotels. 

On XXXX/XXXX/2016, I found out that the charge of {$450.00} appeared on my credit card statement. I immediately called Bank of America ( BOA ), my banking and financing carrier, to file a dispute. 

On XXXX/XXXX/2016, BOA received my inquiry and started researching my dispute. 

On XXXX/XXXX/2016, I received letters from BOA in inquiry of me providing more information on my end to help continue their investigation. 

On XXXX/XXXX/2016, I called XXXX regarding the charge in dispute. The receptionist apologized to me again on behalf of their negligence and admitting to the fraudulent charge. The receptionist provided me with the payment documentation showing that I only stayed there for XXXX nights and paid the the fee cash in full. The receptionist also welcomes BOA to call her directly for verification during the investigation process. 

On XXXX/XXXX/2016, I provided BOA with my response that included my statement, payment documentation, my effort to resolve the dispute and testimony from the receptionist at XXXX. 

ON XXXX/XXXX/2016, I received a denial letter from BOA denying my claim due to " We ( BOA ) did n't receive valid documentation to show that the charge ( s ) was paid by another means. '' On XXXX/XXXX/2016, I called BOA to express my extreme dissatisfaction of their Credit Claims Department denying my legitimate claim. After carefully reviewing this claim as well as all the documentations I provided, BOA representative acknowledged it 's a valid claim. Per my request, BOA reactivated this claim. 

This continuing ordeal with BOA makes me highly doubt BOA 's ability to protect their customers. Even with valid payment documentations AND the merchant 's testimony admitting to the fraudulent charge, BOA still denied my claim. I highly doubt that BOA even exercised their due diligence and professional conduct to investigate this claim before they simply mailed me with the denied letter.
We have been with XXXX for over a year now of which we bundled our services when we signed up. I have been on auto pay since doing so. I got a notice from Central Credit Services stating I am in collections for {$170.00} with interest accruing. I have made several attempts to contact XXXX XXXX, some could not locate this account, XXXX in Billing said they never linked it to our account and do n't worry about it. I have asked them for a copy of this bill which they will not provide. I have copies of ALL my statements around the time they said the services were due and nothing shows unpaid. If this makes my credit report I will be furious. Today I called the credit company to get a fax number to send them the statements I have and the social does n't match mine. I am wondering if they are making up bills and sending them to collections to get more money in hopes people like me do n't inquire.
I called the company numerous times finally they agreed to remove it from my credit. They only removed it from one bureau. I am trying to buy a house and I do not want this on my credit at all. It is a debt that I do not owe
NYCB had an appraisal done on my home by an incompetent appraiser on XX/XX/XXXX, who claimed there are XXXX kitchens in my house. On this basis, they refuse to refund the loan, at a lower rate. On XX/XX/XXXX, I complained to the State of Arizona Board of Appraisal ( ABOA ), who agreed on XXXX/XXXX/2015 that there is only XXXX kitchen. NYCB insists that their flawed and incompetent appraisal report, which states there are XXXX kitchens, and therefore more than XXXX accessory unit, is correct. The State of Arizona, the highest authority in Arizona, disagrees, and claims there is XXXX functional kitchen. With XXXX kitchen, there can not possibly be more than XXXX accessory dwelling. The fair and equitable thing to do at this time is to order a new appraisal, to see who is correct. I know with 100 % certainty that the State of Arizona is correct, as was NYCB 's own appraiser 4 years ago, when they funded the home in question. NYCB also knows that I am correct. This home has not changed at all in 4 years, except that it is a little older. 
They tried to do the same thing XX/XX/XXXX, with another home, and they eventually admitted the appraisal was faulty, ordered a new appraisal, and funded the loan. NYCB just wants to keep me paying a higher interest rate, so that they make more money.
I had a lease with Toyota, for a Toyota Camry XXXX, starting in XXXX XXXX thru XXXX XXXX. My wife is the primary driver and soon after getting the Camry, we wanted to trade the Camry back in and get something that sat a little higher up and would be better in the winter time. Between XXXX XXXX and XXXX XXXX, my wife or I went back to try to work a deal out with Toyota for getting another vehicle, and each time Toyota wanted {$75.00} - XXXX/month more for a vehicle, which was out of my budget. I finally went to XXXX and worked a deal for a XXXX Rogue in XX/XX/XXXX, XXXX agreed to pay the Camry off in full and return the car to Toyota, the XXXX salesperson called Toyota financial for a vehicle payoff amount and Camry was paid off. In XXXX XXXX, Toyota sent me a bill for a month 's payment, which was XXXX and a Disposition fee of {$350.00}, which Toyota claimed to be paid by XXXX/XXXX/XXXX. I did not pay it, and am filing this claim because Toyota will end up sending the bill to collections.
I received a collection letter from Receivables Performance Management LLC dated XX/XX/XXXX stating I owe XXXX XXXX XXXX {$2000.00} for account XXXX. There is {$0.00} in the field for collection fees. I recently found the paperwork from XXXX XXXX XXXX dated XX/XX/XXXX stating the amount due is {$1700.00} for account XXXX. When I contacted the company earlier today and asked about the difference in the amount owed the agent from RPM just kept reinstating the settlement offer. I wonder how can the settlement offer be fair if the principal amount owed is incorrect. I am reporting this because I am not sure if this is just a clerical error or if the company is trying to collect more than what is owed to XXXX XXXX XXXX for Receivable Performance Management LLC profit. I don't this company taking advantage of people.
This is a response to complaint number XXXX ... I didn't sign a contract with XXXX, I signed a contract with XXXX so not sure why I would owe a company money that I didn't sign a monitoring contract with. Also I NEVER received a bill from XXXXs and XXXX is the company that interrupted my service in XX/XX/17 for non payment when all along they were endorsing my checks ... so there is confusion somewhere and I should not be held responsible for XXXX 's mishaps. Who is XXXX??? MY CONTRACT CLEARLY SAYS I SIGNED A CONTRACT WITH XXXX NOT XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

THE PAYMENTS WENT TO THE COMPANY I SIGNED A CONTRACT WITH : XXXX!!!! 
AGAIN, I am attaching the one and only XXXX contract I signed, the service interruption notice, and the payments I made with the company I signed a contract with : XXXX!!! Again, explain who XXXX is as I did not have an alarm monitoring contract with any other provider than XXXX. So there is clearly an ERROR somewhere!!!!!!!!!!!!!!!!!!
On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.
Original creditor name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Pa XXXX opened XX/XX/2013 XXXX XXXX XXXX will Balance {$210.00} Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX opened XX/XX/2013. XXXX XXXX XXXX XXXX {$570.00} I should of never received any medical bills I am on Medicaid and by law theyre not allowed to bill me
I RECENTLY IN XX/XX/XXXX STARTED THE PROCESS OF PURCHASING A HOME. I WAS APPROVED AND EVERYTHING WAS MOVING ALONG. I HAD MONEY IN ESCROW AND DUE TO A BANKRUPTCY CHAP XXXX FILED IN XX/XX/XXXX AND PAID FOR ALMOST 5 YEARS. IN XX/XX/XXXX ROLLED THE CHAP XXXX INTO A CHAP XXXX AND HAD TO FORFEIT MY HOME. THE CASE WAS DISCHARGED IN XX/XX/XXXX. I WALKED AWAY FROM MY HOME AND BANKRUPTCY WAS DISCHARGED AND OVER ... FORWARD TO XX/XX/XXXX I HAVE AN FHA LOAN DUE TO TH B.K ON MY CREDIT AND IT HASNT BEEN 4 YEARS SINCE DISCHARGE. ALL WAS GOOD EARLY WITHDRAWL OF XXXX FUND FOR DN PYMNT. PENALIZED AND TAXED XXXX DOLLARS FOR DOING SO. 5 DAYS BEFORE CLOSING IM TOLD THAT A FORCLOSURE FROM NATIONSTAR FROM MY PRIOR HOUSE WAS NOT ON MY CREDIT BUT ON A DEEP RECORDS SEARCH AND I WOULD NOT BE ABLE TO CONTINUE MY CLOSING OF HOUSE WITH 5 DAYS LEFT. FIRST OF ALL NATIONSTAR FROM MY PRIOR HOUSE WAS FILED CHAP XXXX ON AND DISCHARGED IN XX/XX/XXXX AND THEN IN XX/XX/XXXX THEY PUT IN A DEEP RECORDS SEARCH THAT THEY FORCLOSED ON ME. HOW CAN THEY FORCLOSE AND DESTROY MY CREDIBILITY WHEN THEY WERE BANKRUPT ON AND DISCHARGED?? NATION STAR WRONGLEY PLACED A FORCLOSURE ON ME WHEN IT WAS WELL OVER A YEAR THAT I WAS DISCHARGED FROM BANKRUPTCY. THEY COST ME XXXX IN TAXES AND PENALTIES FOR AN EARLY XXXX WITHDRAWL ,XXXX DOLLARS IN APPRAISELS FOR THE HOUSE I WAS PURCHASING AND I CAN NOT DONATE TO MY XXXX FOR 6 MOS OR PUT THE MONEY BACK IN THE ACCOUNT. NATION STAR DID ME WRONG IN A VERY BAD WAY. THEY HAVE A HORRIBLE TRACK RECORD AND COMPLAINTS THAT DONT STOP. WHAT I AM REQUESTING IS THAT THIS FORCLOSURE THEY PLACED NOT ON MY CREDIT BUT ON MY RECORDS BE REMOVED IMMEDIATLEY SO I CAN PURCHASE MY HOUSE FOR MY FAMILY. EVERY REALATOR INVOLVED AS WELL AS MORTGAGE COMAPNIES AGREED I WAS DONE WRONG AND IT SHOULD NOT HAVE HAPPENED. THEY SAID THAT NATIONSTAR LET THE PROPERTY SIT FOR OVER A YEAR WITH MY NAME STILL ON TITLE UNTIL THE MARKET INCREASED AND SOLD THE PROPERTY FOR A NICE PROFIT AND DAMGED MY CHARACTER IN THE PROCESS. I HAVE BEEN DEALING WITH A BANKRUPTCY ON MY CREDIT SINCE XX/XX/XXXX BUT IN NO WAY WAS EVER SERVED OR ANYTHING ABOUT A FORCLOSURE DUE TO I BANKRUPTED ON THEM CAN YOU PLEASE HELP ME TO RID OF THIS WRONGLEY PLACED FORCLOSURE ON MY DEEP RECORDS SO I CAN CONTINUE MY SEARCH FOR A HOME?? THANK YOU XXXX
I asked his company to verify the debt and in return received no proof to do so. The company does not have my correct information to and only has my address from my dispute to verify this debt. This is not proper verification.
Nickname, Account XXXX XXXX XXXX - XXXX I am appalled by the fraudulent actions committed by the Pentagon Federal Credit Union following a BILL CONSOLIDATION LOAN that I requested from it. In order to be thorough with explaining the scheme applied by the Pentagon Federal Credit Union to defraud me, it is imperative that I break down with the series of events designed the organization to rip me off through the loan. I am a victim of identity theft and no one can apply for a loan under my social security number without first confirming my total identity through the telephone. When I applied for the loan through the Pentagon Federal Credit Union website, I was informed that a decision on the load could n't be made without contacting me first and I waited until I received a phone from the credit union the next and I was informed that based on my credit score, I was approved for BILL CONSOLIDATION LOAN AT A OF 9.99 % and a check and other documents would have been sent to me. I received the check from the Pentagon Federal Credit Union about 1 week later without other documents to substantiate the promised interest rate and I proceeded with cashing the check since I relied on the information which was given to me verbally ( 9.99 % ) when my information was verified by the loan representative. Two weeks later from the date when I received the cashed and also cashed, Pentagon Federal Credit Union sent me documents WHICH PROVED THAT THE INTEREST RATE CHANGED FROM THE 9.99 % WHICH WAS AGREED UPON TO 17.99 % WHICH I NEVER TO. I agreed to pay {$450.00} on a monthly basis and I was being charged {$620.00} on a monthly basis instead. I called Pentagon Federal Credit Union on multiple occasions to resolve the issue, I was informed twice that they would have resolved the issue with the interest rate, but they never resolved it. I later called multiple times to speak to a supervisor, only one lower level was willing to call me back amongst all the request that I made, but he was n't willing to help me and he also mocked me. I was n't willing to make any payment to the Pentagon Federal Credit Union until this interest rate situation is resolved and the credit union still continues to send negative information under my name to the Credit Bureau Agencies. I am willing to make payments for the CONSOLIDATION LOAN I owe to Pentagon Federal Credit Union until the interest rate issue is resolved. I have heard before that Pentagon Federal Credit Union was fraudulent, but I never thought it was that bad. I just hope that other military member and federal employees wo n't have to face similar issues with Pentagon Federal Credit Union in the future since it seems this organization is use to committing fraudulent acts as such.
When applying for my credit card with XXXX XXXX, I was under the mistaken belief that XXXX XXXX would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the Federal Reserve Bank of Chicago, that XXXX XXXX created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with XXXX XXXX XXXX   did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). After discovering this, I am prepared to proceed against XXXX XXXX for bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In First National Bank of Tallapoosa v Monroe, 135 Ga.614 ; 69 S.E. 1123 ( 1911 ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : Howard & Foster Co. v Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ) It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also Merchants Bank of Valdosta v Baird, 160 F 642 ; 17 Lns 526 ( 1876 ). 
XXXX XXXX did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from XXXX XXXX to me. 
A lawful consideration must exist and be tendered, to support the note. See Anheuser Busch Brewing Co. v Emma Mason, 44 Minn. 318, 46 NW 558 ( 1980 ). 

This account with XXXX XXXX was created under fraudulent terms and violates United States Code, Title 32, Section 24, Paragraph 7. XXXX XXXX has agreed to close the account but not remove the account from my credit report. I do not want fraudulent accounts on my credit report. 

A copy of the notice sent to XXXX XXXX explaining the fraud is attached.