WillisBack/dataset-financial-user-claim huggingface dataset:
I wrote them and attached a copy of the cashed check I sent them : -Original Message -- Date : XXXX/XXXX/2017 XXXX AM To : XXXXXXXXXXXX Subject : You cashed the check, but is not reflected on my a Acct - Line of XXXX { Accounts } Why is the attached copy of the check you cashed from me not reflected on my account? Please correct not only this balance adjustment, but also adjust down the interest that has accumulated on the higher balance. 

They responded with : Topic : Accounts Subject : Re : You cashed the check, but is not reflected on my a Acct - Line of Credit-XXXX { Accounts } [ # XXXX ] From : Customer Support XXXX/XXXX/2017 Hi XXXX, I hope you are doing well today! 



I understand your point regarding line payment. I have reviewed your account and see that, you have processed the line payment from your credit card. Please be informed that, you can not make your loan/line payment using your credit/debit card. Also please know that to make a payment to a consumer loan or line, use the Move Money service within Online Banking. Hence, the payment of {$1000.00} has not been posted in your line account. 



For more information regarding line payment, you may contact our Loan Servicing Department at XXXX and they will assist accordingly. Our specialists are available M-F XXXX to XXXX Sat. XXXX to XXXX XXXX. 



Have a great day! 



Regards, XXXX XXXX SunTrust Bank- XXXX XXXX XXXX Join our movement toward financial confidence at XXXX This is not my first bad experience with Suntrust . They also did this to one of my mortgage accounts, causing my credit score to be lowered, and forcing me to stop payments on checks ( costs to do so ), while not posting my payments for three ( 3 ) months.
Security Credit Services , LLC contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.
I had repeatedly asked the company to send me proof that I owed the debt and they refused to send a letter stating they sent to to an old address. They also cursed me out, called me names and said I would be arrested if I didnt pay them. I asked for a certified mail to prove I owed the debt. The collectors sounded like scam artists and asked for my social security number, mothers maiden name, birth place and bank account information. They could not provide me full information of the debt and they refused multiple times to verify the debt with me and send me a letter so I could pay the debt with a money order and not my personal bank account
Finance Company : Credit Acceptance Complaint : Alleged payment plan agreement date via company and repossession within a 30 day payment applied. 

Due to having a XXXX I was unable to handle normal business affairs of which my spouse assumed the responsibility of doing so. As a XXXX in XXXX XXXX I take my financial obligations most seriously but due to this unfortunate life event I became XXXX  on my XXXX XXXX and XXXX XXXX XXXX. Upon stay at the hospital my truck was repossed on XX/XX/18 due to a due balance of {$340.00}. 

The company was contacted immediately on XX/XX/18 to obtain information as to why the truck had been repossessed of which they explain the {$340.00} past due. The truck has never been repossessed before. 

On XX/XX/18 my spouse money gramed {$800.00} to Credit Acceptance of which we are still trying to understand why {$800.00} for a past due balance of {$340.00}. My husband paid this amount and was told there was still a remaining balance that could be included in his monthly payment 's raising the payment from {$550.00} to {$600.00} for a total of 12 months which is still in error being a representative stated after that payment the balance due was {$150.00}. 

On XX/XX/18, Less than 30 days from the most recent possession the same company, XXXX XXXX visited our home to repo the truck again at XXXX XXXX of which we were clueless as to why and the repo driver knocked on our door stating he was confusing being he had picked the truck up prior less than 30 days and was very courteous. My spouse had planned to pay the newest payment on XX/XX/18 of which normal payments are not due until the XXXX of each month. 

On XX/XX/18 the company was contacted and the following staff were spoken too : XXXX   ( rep ) XXXX ( supervisor ), XXXX ( supervisor ), XXXX ( supervisor ) and finally transferred to a manager XXXX whom we left a detailed message. All who indicated that repossession hadn't been reported and we should call the authorities to report the incident. 

This company alleges that my spouse agreed to make payments on XX/XX/2018 of which he disputes and has record of the actual recording. Why would a consumer pay {$800.00} plus on XX/XX/18 and then agree to pay XX/XX/18 on a holiday and less than 30 days from the last payment. 

I am disputing this alleged date agreement of XX/XX/18 and feel that the next payments should have fallen on the XXXX as normal. We were told a payment was expected on the XXXX as well as the XXXX which is a total discrepancy. 

The company is now stating that we owe {$800.00} dollars again to take possession of the truck which again has been less than 30 days. The desire and plan upon my retirement last month was to pay this vehicle off in XXXX but the repor of this company as a valued customer is diminished. 

We feel this was an error on behalf of Credit Acceptance and should be rectified. The only thing we should owe is the note to be paid with no additional feels added. We are furthermore inclined to believe that this company is over charging customers and possibly embezzling additional monies.
I have contacted Equifax several times to remove a fraudulent hard inquiry from my credit report that was made on XX/XX/2018 by XXXX, i have provided a PDF from XXXX credit card services stating this hard inquiry needs to be removed from my Equifax credit file
Debt was paid to original creditor before debt should've been sent to the collector.They added the account to my credit report on XX/XX/2018 and I want it removed from all reporting agencies. Confirm with the original creditor XXXX XXXX.
Additionally, I have  a Fraud Victim Alert in p lace with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 accordi ng to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit. Experian told me this is not supposed to happen with a  Fraud victim Alert i n place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?
My XXXX XXXX XXXX account # : XXXX, dont have a balance of {$230.00}. I currently have a balance of {$0.00}, My XXXX DC # : XXXX, dont have a balance of {$290.00}. I currently have a balance of {$0.00}. The following credit inquiries are fraudulent, unauthorized and not mine : XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX.
We bought a condo in texas-needed a line of credit to pay for condo while the other XXXX sells ( need money for XXXX-90 days ) Were told it would take 45 days. Problem is we made a purchase of the new condo being told we would be able to get $ XXXXtowards purchase. We went ahead gave all our information as needed-as we proceeded they continue to ask for more and more information repeating much of the same questions- They also kept lowering how much money they would loan ( from {$300000.00} to {$200000.00} to {$170000.00} and finally {$60000.00} ) We had to constantly call them because most of the time they would not call us back as they said they would. Now just to let you know we have excellent credit XXXX homes paid for worth {$750000.00} and investment of over {>= $1,000,000} we explained we only needed the funds for a short period of time not a mortgage - we felt we were being avoided. We had {$2700.00} dollars on the line and no commitment, thank XXXX we were able to obtain a line of credit against our investments otherwise we would have lost the deal and our money We have several accounts with Chase bank that is why we went to them and am sorry we did. I would not recommend them to anyone and furthermore question further use of their bank.
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX2018/ XXXX XXXX2018,  XXXX XXXX, 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Discover Bank took {$7600.00} from my account to respond to a XXXX tax lien. 
But Discover Bank had no authority to do that as the XXXX lien was not perfected in XXXX. 
I have been unable to get Discover to return my money. Nor have I been able to get XXXX to acknowledge receipt of the funds. 
Further the XXXX assessment against me was rescinded, which I told Discover customer service department before it disbursed the funds. 
I do n't know where the funds are.
On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate. 

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors. 

Each inquiry remains unverified because no direct contact to the furnisher was made.
My account was inaccurate an amount of XXXX was borrowed, for the XX/XX/XXXX-XX/XX/XXXX academic year yet ; certain amounts haven't been applied correctly, plus I need to continue to manage my own money. They've taken the authorization for granted ; especially being that had given non. I've received small checks when there was no enrollment, my tuition amounts keeps a flip flopping, and they keep charging me when it's already been paid for. And there was an approved XXXX dollar scholarship leaving me, with a " supposed '' debt XXXX what kind of institution does that?
BSI has failed to apply payments to the outstanding loan obligation pursuant to the provisions of Uniform Covenant 2 of the Deed of Trust, and the Periodic Payment Rules of Regulation X, which provide that payments must be applied in the following mandatory priority order of application : 1. Principal ; 2. Interest ; 3. Escrow ; 4. Late Fees ; 5. Other Charges or Advances approved by Applicable Law ; and 6. To Reduce the Outstanding Principal Balance.
Additionally, BSI has seriously mishandled the escrow account in this matter. Courts have recognized mortgage servicers breach of fiduciary duty in escrow mismanagement. The overarching errors are : A. Failure to board the current, newly modified loan and escrow balance properly in XX/XX/XXXX, leading to an inaccurate XX/XX/XXXX escrow analysis & resulting dramatic increase in monthly PITI payments and late fees and improperly reflecting account was in default and filing foreclosure.
B. Collection of insurance escrow from XX/XX/XXXX through XX/XX/XXXX yet failing to disburse those funds for borrower 's annual XX/XX/XXXX insurance premium, forcing her to pay it herself.
C. Failure to properly investigate and respond to borrower 's notices of errors and attempts to resolve this matter with BSI.
Please see attached Notice of Servicing Error for specific details regarding the errors and failure to timely investigate and correct. To date BSI has not provided a response to the XX/XX/XXXX Notice of Servicing Error.
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX, credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX  / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX .I have not informed or recalled of any association with these company. I have contacted XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
I am a victim of identity theft. I previously mailed this company notification of the identity theft and did not hear a response ( although I mailed it to XXXX and to be fair they were hit by a hurricane a few days after ). I did not live at XXXX XXXX XXXX, nor have I ever. My address at the time was XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX. You XXXX call the XXXX Apartment complex and confirm that is where I lived. I never met or spoke to any representative from XXXX XXXX which is the apartment building located at XXXX XXXX. My apartment at XXXX XXXX XXXX was robbed and my identity documents were stolen. I filed a police report with the XXXX Police Department after the theft. The police report number is : XXXX Several utility and credit accounts were also opened in my name using this fraudulent address. I alerted all creditors who did an investigation and found the accounts were not opened by me and they removed the accounts from my name. I filed an FTC identity theft affidavit to alert to FTC to this fraudulent address being used in my name. Attached to this complaint are letters from creditor & utility companies that used this fraudulent address to open these accounts, my ID and the FTC affidavit. The police report can be confirmed by calling the XXXX Police Department 's automated system and entering the police report number.
on around XX/XX/2008 our mortgage company XXXX and also under Wells Fargo reached out to us by mail offering a program available to us that may help us. We contacted them via phone and they told us that yes there was a government program but we needed to show hardship and their advice was to stop paying our mortgage. We can prove that before that we had never been late or on default with our mortgage. I have a paper trail that include names and fax, dates with times of our communication with a representative from the mortgage company. They even wrote me a letter via fax on our behalf with how we can show hardship. They connected us with a company Making Home Affordable. Gov this company charged us through XXXX XXXX XXXX Phone number XXXX a total of {$1900.00}. This ruined our credit and they also tagged 20 years to our mortgage without ever mentioning it to us. Years later we get a letter stating that our mortgage was going up because of our interest rate. We then started researching and found that they had put us in a bad loan. We contacted now Wells Fargo and they gave me the run around for months if not a year. To then send me a letter saying they could not do anything for us. I then have been working on gathering proof and I was finally able to find all the supporting documents.
I was a customer of XXXX XXXX XXXX wireless for over SEVEN YEARS, and I paid my bills ALWAYS. However, I DID NOT RECEIVE any wireless services from XXXX XXXX XXXX for the five months or so ( i.e. XX/XX/XXXX-XX/XX/XXXX ) because there were technical problems with my receiving the wireless services that I was being billed monthly for. I lodged NUMEROUS COMPLAINTS with XXXX XXXX XXXX in-store Managers, who in turn, contacted XXXX XXXX XXXX Tecnical Support Services on my behalf to rectify the problem, but no avail. 

Also, XXXX XXXX XXXX REFUSED yo replace or REPEATEDLY put up barriers to replacing my XXXX XXXX even though I had been duly paying for the Insurance Cover/ Premium every month. This would have enabled me to receive the wireless services that I was being billed for, if the problem had been with the XXXX itself. This went on for several months. As a result, I had no option but to CLOSE THE ACCOUNT in XX/XX/XXXX-by switching over to XXXX XXXX XXXX. And I have been paying monthly ever since. Just like I paid my monthly bills with XXXX XXXX XXXX Wirelessly for over SEVEN YEARS!!! 

Against this backdrop, I believe that XXXX XXXX XXXX 's Bill for sum of XXXX XXXX is UNLAWFUL and is a retaliation against me for exercising my legitimate right.
On XXXX XXXX we entered an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arena Resorts. This was a timeshare for XXXX weeks at a XXXX XXXX to be built in XX/XX/XXXX in XXXX XXXX XXXX. They gave us certificates for two weeks at any XXXX XXXX in XXXX because the completion date was not until XX/XX/XXXX. When we returned home on XX/XX/XXXX, I tried to verify the certificates and found out they were not valid. I tried to call the salesman, XXXX XXXX. He gave us his phone # XXXX, which is a nonworking number. At this time I looked on the internet and found XXXX XXXX XXXX Scam. We found may reports of other people being scammed. 
We were told the Federal Consumer Protection Agency in XXXX allows us Five days to cancel this agreement. 
I canceled the agreement with XXXX on XX/XX/XXXX. I called the Visa Credit card bank to report I would like to cancel the transaction. I was told the charge had already been reversed because they had discovered it was fraud/scam. That same day my wife went on line with the Visa account and found the charge was still showing. She called Visa and she was told we would have to file a complaint and dispute the charge with Visa, which she did at the same time. 
On XXXX XXXX we were informed by a letter from Visa that they were unable to assist us with this dispute. 
This agreement was for {$13000.00}. We are not sure if we have a legal dispute with Visa, but we have been told that we do. 
Thank you for your help
For myself and my wife, Equifax is showing a balance due still for this mortgage that we had a completed XXXX for. As of XX/XX/2015 the owed balance should be {$0.00} no more late payments after that date. 

They however still show a balance due of over XXXX and over XXXX as " past due '' XXXX XXXX  XXXX and Equifax have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XXXX of this year ( 3 year waiting period )
This is debt that I have never owned. I was and have been a person with identity theft. This debt collector has placed a public record on my credit report and has placed a lein on my property located at XXXX XXXX XXXX XXXX. Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$4000.00} Classification -- Type legalitems
I believe Rise is a payday loan co and as I am checking my credit report I see Rise on my credit report and I have never applied for a payday loan at Rise. I have been having lots of problems with my ex-spouse which whom I divorced in 2006. I am more than certain he is the one applying without my consent.
We just received our monthly statement dated XXXX XXXX, XXXX. It has been 61 days since we received our monthly statement which was dated on XXXX XXXX, XXXX. Our prior billing monthly statements were 15 days apart As a debt collector Ocwen Loan Servicing is not able to collect a debt until substantiation is provided. Failure to provide the information in 60 days is violation and requires enforcement. In leiu of the debt, Ocwen Loan Servicing needs to issue a cancellation. 

No one at Ocwen is willing to speak with us about our account and XXXX XXXX XXXX who is assigned to my account as noted on the XXXX XXXX, XXXX statement has not returned our repeated request for an explanation of the securitization, billing and revised escrow analysis of the account since XXXX XXXX, XXXX The Trustee XXXX XXXX ) that holds the loans is demanding the Mortgage Payment and Financial Records of the account. I 'm attaching a letter from the Trustee that holds this loan. Everyone is demanding answers. 
This loan has a balloon payment due in XXXX which is direct violation of the the CFPB consent Order
I reviewed my credit reports and see that XXXX is incorrectly reporting that i was late on a payment on XX/XX/XXXX, some 4 plus years ago. The fact of the matter is I was NEVER late with even one payment and I have this account since XX/XX/XXXX. 
I wrote to XXXX, XXXX, Experian and XXXX and they have not corrected their error. 
Please have this error corrected, it is effecting my ability to obtain a home loan and the reporting is false. 
Thanks
This debt was obtained in a different county that i have never live in. I never had service with XXXX ( original creditor ) in 2012, which is when the service was disconnected as i was told by EOS CCA. I have never seen a bill for this debt ever! I only know about this debt because i had my credit checked to get a credit card through my bank. It is completely shocking to me that this EOS CCA can still say i owe this debt without even proving how i owe the debt. I was sent by EOS CCA saying they verified that it is my debt but never sent any information to back up their allegation of owing debt.
The first card still had a balance on it when the new card with my name arrived in the mail. The balance never transferred over and the first card stopped working. I called and they could not figure out or help me. Ok, so I let that go. I have been using the new card with my name on it for a couple months. Yesterday I put cash on the card at XXXX like I always do. The money is not showing up on the card. Customer Service sees the transaction in system and tells me it will take up to 45 days to dispute and fix the problem. Really? They get to sit and or use my money for 45 days. They can clearly see I put cash on the card and ca n't fix this today. Tells me to check my email for progress on the dispute. This is a scam and after I get or if I get my money I will use the card until it 's at zero and then cut it up. American Express prepaid card via their Serve
Want to sign up for Equifax 's TrustedID service for my wife and me. We have one -mail address and the TrustedID service requires an E-mail address as the user ID for  each person. Thus can only sign up one of us for the service with out opening another E-mail address just for this service. We would have to monitor the new E-mail address for any alerts. Since we would not use the new E-mail address we may not notice an alert in a timely manner. Equifax 's system ID requirements limit families from signing up for the service. 


What if you do not have an e-mail address? Are you unable to sign up for the Equifax TrustedID service?
An attorney filled for bankruptcy in XXXX, MA Federal court. The reason was that my soon to be ex husband was responsible for half the mortgage and was not paying his court order. We had a probate court date and found that he would not be able to pay his half. At this point the attorney advised I vacate the bankruptcy because we owed much less than what the house would be sold for We did exactly that vacated the bankruptcy It did not show up for years! I have disputed it so now states dismissed and {$0.00} balance but it shows up 3x on all credit agencies.have signed up for pacer and can not find ANY INFO!