WillisBack/dataset-financial-user-claim huggingface dataset:
I have asked Transunion to verify a debt from   XXXX   XXXX   XXXX    who has already informed me that they do n't have a signed contract to authenticate this debt but it keeps coming back as verfied after numerous attempts to have account verified. I am constantly told that they have done what is required of their company. Even after explaining to them that I have spoken with the original creditor and informing them that they did not have any supporting documentation. Had to do a phone verification with   XXXX   to have this information removed but they removed it. I requested to have this information verified by signed copy of a contract. They have been verifying by name, DOB, SS #, and address. Which is all correct but where is the contract showing I agreed to the term of the agreement that they sent without a signature acknowledging I agree to terms. If Transunion has n't been given a copy of a signed agreement or contract between myself and the  XXXX   XXXX  Bank reporting agency how can this account be authenticated? I have asked on numerous accounts to have this authenticated by more the just my DOB, SS #, Address, Telephone number. I have asked specifically to have an original or copy of a signed contract or agreement be requested. I have been told by the senior level employee that they are not required to get this info and that they have met their requirement to validate. Even though I am telling them more info is needed and that I am disputing the legality of this account.
I have judgment hurting my ability to get a job. I am in a debtor prison, I am not gainfully employed.  Pyod and Hunt and Henriques are unfai r as you can the summons was not even stamped by clerk.     They refused to attend hearing to work out issues in court
I took a private student loan with XXXX XXXX last fall with my mom as cosigner. I withdrew in XXXX, which was early enough not to affect my transcript. However, no money was refunded to my loan. I have been left owing the full amount for that semester, which was XXXX. That loan has a ridiculously high interest rate for students in the first place, XXXX and they will not budge in order to help someone struggling!! XXXX XXXX will not even reduce the amount owed for a part time worker who is going back to college this fall. I don't feel that I should owe such a huge amount for only 2 months at that university!! XXXX XXXX is a complete ripoff!!! I do not advise anyone to use them!! Even if I pay only on the interest, my payment is still too high and basicly accomplishing nothing!!! I need help desperately wi th someone who will take my loan at a lower interest rate with a manageable payment, or to negotiate with XXXX XXXX to reduce the amount and reduce the interest rate!!!
Re : Breach of contract, plying false documentation, material misrepresentation, appending fees outside of the contractTD Bank services a mortgage loan, a contract assumed from a prior originator. The language of that contract is clear and specifies the real calendar date upon which a payment is received ( conveyed ). This definition is affirmed by years of prior TD bank behavior correcting any post-dating of a loan transaction to conform to the terms of the loan contract. This is important because, the terms of the contract can not be abridged or changed by any policy or arbitrary procedure of subsequent service agents. The contract is required by law to be serviced as written for the life of the loan. 

In the most recent year, TD Bank has repeatedly breached the loan contract by post dating inadequately documented transaction receipts, and altering statement details, for the purpose of quietly appending late fees to the backside of the loan. 

USPS Postmarks obtained on the receipts provided by TD bank tellers show that TD bank post dates and inadequately documents payment receipts to produce a false and misleading record of the transaction. Post dating of loan payments extends from 3 - 5 days from the date that payments are actually received. The loan contract sets action in regard to conveyance on fixed calendar dates and does not provide subsequent service agent the right to alter the contract or redefine dates and/or terms, and assent is affirmed by TD banks prior actions, and those of prior service agents dating back more than a decade. 

In addition to post dating loan transaction receipts it can also be shown that dates recorded on the statements do not match even non-post dated receipts. Again, the dates are altered to trigger bogus late fees which are quietly appended to the loan. 

Mortgage loan servicing is bound by the terms of the loan contract - not by variable and arbitrary bank policy changes regarding deposit and checking accounts or other financial services. By failing to properly document and accurately record loan payments, and by applying and appending fees outside of the contract terms and definitions TD bank is in repeated and sustained breach of the loan contract.
XXXX XXXX XXXX reported a late payment on my account claiming it to be 30 days past due! My account is not past due and all my payments are current. This report dropped my credit score 53 points! This is not the first time that this finance company has put wrong information on my credit report and before filing a complaint I tried to handle the previous situation with no luck. They need to contact ALL OF THE CREDIT BUREAUS and have this information removed ASAP, for I am trying to purchase a property within the next few months.
There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  MTR - #  XXXX    XXXX   XXXX   - #  XXXX
Associated Bank who I have been a customer with for over 10 years is continuing to add fees to an account that is already overdrawn. I am constantly getting conflicting information, I was told by the customer service toll free number that I could cash checks on my savings account since it had a positive balance, I was told at the branch that I would have to deposit my work check in the negative account even though I am not in the position to do that. I was at the bank on Saturday cashing a {$4.00} check and I heard the teller yell that my account was overdrawn which a few people overheard. The teller should have just given me the negative balance on a receipt and not yell it where other people could hear it. It was very unprofessional but the bank states they will close this account if the balance is not bought to a positive balance, the account will be closed on XXXX/XXXX/16. I have spoken to my other bank XXXX XXXX about not honoring my check but they are investigating this and I was advised it could take about XXXX days which means this will be resolved until XXXX/XXXX/16 per their calendar. I want all of the fees after XXXX/XXXX/16 to be credited back to the account because the account is already negative so need to add unnecessary fees to the account. I had Associated Bank collection calls and they claim my address is incorrect even though my address has been the same for over 12 years. They continued to call me even though they claim the information is not correct.
Based on this post. 
I didn't get any emails, any mail letter, any phone with any voice message that My wages will be garnished I tried this is the 2nd involuntary 15 % of my paycheck that is withhold and they do not want to negotiated anything. My next paycheck will be on XX/XX/XXXX and they will take our from my back account and not directly from employer, however the are not willing to negotiated at all. and provide only no answer with not explanation and no documentation. 

https : //studentaid.ed.gov/sa/repay-loans/default/collections # wage-garnishment I have the right to : be sent a notice that explains EDs intention to garnish your wages in 30 days, the nature and amount of your debt, your opportunity to inspect and copy records relating to your debt, your right to object to garnishment, and your option to avoid garnishment by voluntary repayment ; be given an opportunity to enter into a written agreement under terms agreeable to ED to establish a voluntary repayment agreement ; be given an opportunity for a hearing to present and obtain a ruling on any objection you have to the existence, amount, or enforceability of the debt ; any objection that garnishment of 15 percent of your disposable pay would produce an extreme financial hardship ; or any objection stating that garnishment can not be used at this time because youve been employed for less than 12 months after having previously been involuntarily separated from employment ; have the garnishment action withheld by filing a timely request for a hearing, until the hearing is completed and a decision issued ; not be discharged from employment, refused employment, or subjected to disciplinary action due to the garnishment, and to seek redress in federal or state court if such action occurs ; initiate any legal action against your employer if the employer discharges, refuses to hire, or takes disciplinary action against you based on the garnishment action ; and not have any information provided to your employer regarding the garnishment other than what is necessary for the employer to comply with the withholding order.
My Chase Visa was compromised on XX/XX/XXXX and XXXX by an unknown individual. 13 fraudulent charges were issued on my account : XX/XX/XXXX XXXX XXXX  XXXX FL XXXX XXXX  XXXX FL Shopping {$380.00} See details about this transaction XX/XX/XXXX XXXX XXXX  XXXX - XXXX  XXXX  XXXX XXXX  XXXX - XXXX  XXXX  Shopping {$100.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Groceries {$290.00} See details about this transaction XX/XX/XXXX XXXX  XXXX XXXX  XXXX Shopping {$86.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Groceries {$42.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX Shopping {$160.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shopping {$210.00} See details about this transaction XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX  XXXX  Shopping {$500.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Shopping {$95.00} See details about this transaction XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Shopping {$150.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shopping {$400.00} See details about this transaction XX/XX/XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX Shopping {$190.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Gas {$35.00} My identity was stolen in late XXXX XXXX of XXXX. When these charges occurred, I had an open police case. I filled out a supplemental police report online and informed the Sheriff 's Office that my Chase Visa had been fraudulently used. 

I immediately disputed the charges with Chase and they were removed. I did not use my Chase Visa at any of the above locations. On XXXX ( XX/XX/XXXX ), I was at XXXX. The day after XXXX I was at the XXXX XXXX. I was with my sister, her husband, my niece, my child, and my husband at the time these fraudulent charges were occurring. I can provide their contact information, if necessary to verify this. 

Around the time these charges occurred, Chase was receiving calls from a person pretending to be me. Chase should have a record of a person calling in from XXXX around the time these charges occurred and attempting to get information about my account Chase removed the charges on XX/XX/XXXX. Then on XX/XX/XXXX Chase reposted all of the charges to my account. I called Chase and they are insisting that I must have made these charges because my card has a chip reader. I did not make any of these charges, but all charges have been reposted to my account.
THIS IS NOT A REQEST TO COMMUNICATE WITH THE INVOLVED FINANCIAL INSTITUTION ON MY BEHALF. THIS IS A COMPLAINT SUPPORTING A REQUEST FOR INVESTIGATION. A COMPLETE NARRATIVE AND IDENTIFICATION OF PARTIES INVOLVED ARE ATTACHMENTS TO THIS ONLINE SUBMISSION. 

As treasurer of a condominium I discovered that my signature on a bank deposit-account agreement was abused by the bank and its business partner ( s ) to the extent that the bank : generated false  corporate resolutions for use in opening a deposit account ; provided forms and used those forms with its business partner ( s ) which allowed and authorized account signers unknown to the account holder ; specifically accepted account " control persons '' designated by its business partner ( s )  who are unknown to the account holder ; lied about the existence of documents it accepted from its business partner ( s ) and which became a part of the deposit agreement authorizing unknown control persons and account signers. 

I became suspicious during the account opening process when uncovering the above-described activities. As a result the condominium did not deposit funds at this particular bank. I discovered that this bank has a nation-wide program in which the association almost became involved. 

What initially captured my attention is that the bank allowed a third-party to designate an account " control person '' when the condominium association left a " beneficial ownership '' designation area blank. That is exactly what happened when the third-party -- a condominium management company as a bank business partner -- withheld from the association that page containing the beneficial ownership designation box. 

My suspicion is that many homeowner associations do not know that they have shared their account authority with unknown others, and that deposits and other account activity is generated while under the control of persons unknown to the account holders. The security implications of this seemingly well thought-out and well-executed bank program appear significant.
On XX/XX/XXXX when my home was for sale with and agent there was a water leak that flooded part of my home. I informed Wells Fargo immediately when this occurred to see if I could get relief. Of course there was not response. I contacted my insurance company and they brought in equipment to dry the floors, but as they were wood, they were ruined in 2 rooms with some baseboard damage. I settled with the insurance company and informed Wells Fargo loss department that I had settled, pick out flooring at The XXXX XXXX and had a quote. The representative said they worked with XXXX XXXX all the time and I just needed to send the check and the quote and they would cut a check to myself and XXXX XXXX. I received the loss draft and overnighted it to Wells Fargo Loss Draft department on XX/XX/XXXX. After several calls and excuses by Wells Fargo they finally sent the check to me on XX/XX/XXXX. I had to then order the carpet and all the work was completed on XXXX. I requested the Loss Draft Department to apply the excess insurance proceeds to go towards my payments per my Note with Wells Fargo. If these funds had been applied as requested my loan would have been current. Instead they posted my home for foreclosure added attorney fees and demanded the payments even though they had the payments. Since that time I have been trying to deal with them to get the payments posted. Yesterday when I called them they said they were recording the call and again refused to post these payment and posted the foreclosure again for XX/XX/XXXX. Even though they acknowledged the work for the repairs was 100 % complete. This has caused buyers to avoid my home as well as causing extreme XXXX on my wife, her XXXX XXXX XXXX XXXX, and myself. I am XXXX years old and lost my job in XXXX. I have to take an entry level position and my income is only XXXX of what it was before. I am trying to get out of this loan and they will be completely satisfied when it sells. I was only trying to make a small amount as this was my retirement. If my only recourse is to sue them in civil court I am prepared to do so.
I, XXXX XXXX XXXX ( DOB : XX/XX/XXXX debt collector for credit card that I contend was erroneously sent to collections, as I had established auto payment ( {$50.00} ) above initial minimum payment ( approx. {$35.00} ) for a Bank of America credit card opened onXX/XX/XXXXwith {$2500.00} credit limit. The ( a ) initial billing and ( b ) date auto payment was established are conveniently not included in discovery, and I am unable to obtain this information online through my current BOA checking account. I have not contacted BOA since the filing of this lawsuit due to distrust and not knowing source of presumed fraudulent practices. BOA contacted me about delinquency of account, but on at least two occasions before account was transferred to collections, I spoke to BOA rep, which could not explain why the auto payments, in excess of billing expenses, were not adequate. In XX/XX/XXXX when balance was approximately {$1800.00}, below the {$2500.00} limit, I had transaction declined at local XXXX and then learned that BOA suspended the card. On XX/XX/XXXX BOA sold account to XXXX XXXX XXXX for undocumented amount. I am being sued for {$3800.00}. Though I have had no direct dealings with XXXX XXXX XXXX court record notes, " The last payment was posted to the account on XX/XX/XXXX in the amount of {$50.00}. '' In reality, BOA continued to take auto payments for 47 months after it was sent to collections through XX/XX/XXXX, and without any expressed agreement and/or without addressing my contentions that the auto payments were timely and adequate, BOA sent this money to collections agent. The court documentation has discrepancies and falsifications, as it reflects " there is now due and payable from the Defendant the sum of {$2400.00} ; plus accrued interest of {$1300.00} through XX/XX/XXXX ... '' Additionally and just as contended with BOA, regular payments are taken simultaneously while default interest is being accrued. There appears to be 2-3 grounds where bank loses its creditor exemption, and I would like to explore counter claim ( s )  against bank and collections agents. The matter is set for trial in XX/XX/XXXX.
I applied for a car refinance I noticed multiple credit Inquiries on my XXXX   report all in the same day I only applied for 1 loan not 4. I want 3 inquires removed from XXXX report please XXXX Don't remove inquires. 

1 inquiry PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 2 inquires ( XXXX ) XXXX PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 3 inquires ( XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX 4 inquires XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX All in the same day. XXXX
XX/XX/XXXX received email that I was past due. I had been attempting to enroll in an income based repayment plan, but they would not process my information. 
XX/XX/XXXX I attempted to enroll in the income based loan repayment plan and was put in forbearance instead. 

I also attempted to be put in an income repayment plan, but they put me in a 25 year plan instead. 

I called MANY times and submitted documents, but to no avail. They steered me into forbearance and it was n't until Navient took over my loans that I was able to get on an income based plan, for which I should have qualified for YEARS before. This has resulted in an increase in my total overall loans. 

I was not aware of anyone that could help me until now. This has caused me emotional and psychological distress, causing me anxiety and owing more money than would have otherwise.
Initiated a refinance with Stonegate Mortgage. Supplied all documentation ( credit report, paystubs, XXXX 's etc. ) scheduled and purchased appraisal, appraisal completed, loan to pre-processing. Lender contacts me about derogatory remark on XXXX account on credit report, states loan can not continue until removal of derogatory remark. Instructed me to contact all XXXX bureaus to have remark removed. By this action, FICO score reset from XXXX to XXXX XXXX ruined as it falls below XXXX. Result : No loan, out {$490.00} appraisal fee, credit ruined. Why did the lender not advise me that requesting a removal of a remark would have negative score reset? After working hard to get score up to XXXX now its XXXX. This will damage my ability to try financing from any other institute or could cause damage in my ability to secure employment or any other credit related financial situation that I might come across. How did simply requesting a removal of a comment that should not have been there in the first place cause my score to suddenly drop XXXX points? If making inquiries to credit companies in an attempt to rectify a wrong how are consumers supposed to 'clean up ' their credit.
I applied for and received a credit card issued by Chase for Amazon XX/XX/2015. Balance was paid in full by the billing cycle after the card was issued. XXXX letters were sent to Chase with a copy of the cleared check from my bank and a carbon of the check itself asking them to reflect the charges. The second effort was met with a response saying the issue was under investigation and I should do nothing. Today, I received a past due notice.
I just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.
Judgement against me, which was filed illegally due to bankruptcy laws, keeps appearing on my credit report. When I try to initiate a dispute online, they tell me my public info does n't match. Not able to reach a person via telephone, they want me to mail documents proving who I am. Other credit reporting company received my dispute online with no problem, and resolved the issue.
Voss & Klein are reporting a collection account on my credit report, that has not been validated. I have never received any letter which gives me XXXX days to dispute the validity of their claim. Under The Fair Debt Collection Practices Act, I 'm suppose to receive a letter from Voss & Klein that gives me the right to dispute this claim before placing the item on my credit report. Voss & Klein says the original creditor is XXXX, I contacted the original creditor and requested a copy of a contract, or credit application with my signature, which I never received. I only received a copy of a billing statement with an address I never lived, and XXXX phone numbers that do not belong to me.