WillisBack/dataset-financial-user-claim huggingface dataset:
I took out private loans through sallie for my XXXX degree. Upon graduating, I was told my monthly loan payment would be over {$1100.00} & that there was no other option for me to repay unless I went by their repayment plan. That amount is not even a logical amount. The only other option they gave me was to go back to school & defer my loans, allowing them to collect even more astronomical interest. This lead me to have to consolidate my loans through another company just to get a lower payment because there 's no way I could afford to pay them over {$1100.00} a month with interest rates about 13 %. This company does not work with you or help you to repay loans at all. It 's impossible to get out of debt with them. Not to mention, having loans out through this coming any has destroyed my credit score.
Capital one generates statements on a regular basis every 19th of the month, and due dates every 16th of the month which is a 30 day cycle. However, if you have a cash advance transaction, this is left out on these statements and no way to know that there is a balance calculating interest even after you pay a statement fully. This has happened to me and I feel its misleading. They should include all transaction on some form of statement otherwise innocent unsuspecting consumers continue to pay full statements but suffer interest on cash advances they did hoping it was factored on closing the statement. I'm willing to demonstrate with statements.
I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX Please review documents attached and other complaint.
Please help me, I have disputed previously a couple things with Experian, provided them my ID 's so they can process, XXXX XXXX XXXX which is my legal name, there are so many AKA 's it 's crazy I want all removed. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE
I Sent a certified letter to the company on XX/XX/XXXX, requesting a validation of debt. I received no response. After receiving a letter from an attorney around XX/XX/XXXX regarding XXXX XXXX, I faxed a second letter request verification of debt. I received no response from my letter, instead they send a letter to the clerk of court and a copy to me. This company has never verified this debt to me and now it sounds like they are threatening me with a court appearance.
After receiving the email notice to complete my registration for the Equifax data breach to have free credit monitoring, the link opens a page that says it can not load. Upon refreshing the screen, a TrustediD screen appears that says my answers were not correct and to wait 24 hours to try again. This continues to happen as if it will always indicate answers I have not even started giving yet are incorrect, until the end of the registration period at which time I expect that I will be denied the coverage because I did not finish the verification process. Attempts to call Equifax, regardless of the time of day, receives a recording saying they are too busy and to call back. It appears to me that Equifax is not actually interesting in correcting or helping protect against identity fraud after their data breach error.
A company named portfolio recovery has placed a derogatory mark on my XXXX   credit report for a second time for a account with XXXX XXXX that I successfully disputed as a identity theft. They waited almost a year to re-add the derogatory mark and are once again attempting to seek {$550.00} for a debt that was established as a identity theft through a dispute with the cfpb.
On  XXXX   XXXX ,  XXXX  I received a workout option from  BMO HARRIS BA NK to pay  XXXX  per a month towards my home equity line of credit  XXXX . I received a letter in writing stating that if I put down  XXXX  and pay  XXXX  per a month on the first day of each month.   I have paid every single month on time since  XXXX  of  XXXX . In  XXXX  of  XXXX  and  XXXX   XXXX , Harris Bank did not withdraw the money from my bank account.   I called the bank and was informed that I owe them all the money at one time.   I told them that I had a written agreement from the employee that no longer works at the bank.   I was told that they did not care, and that I had to now pay  XXXX  a month for one year, and pay the loan off in full.   This is illegal. I was not informed and they are reniging on the original terms and agreements that were given to me by  XXXX   XXXX .   I need help with this.
I filed Chapter XXXX in XXXX 2015 ; discharge XX/XX/2015. Between XX/XX/2015-XX/XX/2015 I had accounts that were under the Bankruptcy Stay. I disputed XXXX XXXX, XXXX XXXX, XXXX, and XXXX. XXXX, XXXX and XXXX XXXX were all reporting Charge OFf or key derrogatory as the status between XXXX 2015 and XXXX 2015. The account 's coding was never corrected by Experian at all. This is negatively affecting my credit it dropped about XXXX points. They also blocked my ability to dispute which is my right under FCRA. The disputes are not frivolous inasmuch as I have sent documentation each time. They just chose to ignore it and close out the investigation without due diligence of the investigation. I am attaching the negative reporting of XXXX and also the blocked access. I need this corrected. They can not simply ignore the documentation. They must update if I am providing proof. This is my right under FCRA.
I live in XXXX and I purchased a car in XXXX XXXX, when i purchased this car i recieved a bank loan from bank of the west. Everything was fine till I called the state of XXXX and asked them what I need to get my vehicle licensed. XXXX dmv is telling me that the bank is supposed to send them the title due to the title being a XXXX title, the bank on the other hand is telling me that the dmv is supposed to request a copy of the title from the bank. I 've called on several different occasions asking and the bank first told me they lost or misplaced the title. Then the bank branch XXXX called me and said they would be sending the title out soon, but two days before that i had a voicemail from bank of the west saying they sent the title out already. I 've been getting blown off by everybody i call with a different story everytime at this branch as well. The bank of the west branch is located at XXXX XXXX XXXX in XXXX, XXXX. I just need to have the bank quit telling me lies and send the title to XXXX County dmv in XXXX XXXX, XXXX and i can not get anyone to send it so i can be LEGAL driving my vehicle. the dmv will not give me a license plate until I have the title or they have it sent to them, there is no professionalism at this branch.
My loan is not correct. Exeter Finance will not even attempt to assist. I have a contract from XXXX that has a loan financed amount and payment amount. Exeter says my payment is over {$300.00} more per month and says I owe way more that I financed. They are crooks.
On XX/XX/2016 at XXXX, RMS contacted me on my cellphone from the number XXXX. I called the number back 5 minutes later to see who it was. They informed me that they were calling regarding a small debt I owed to my former auto insurance company. I informed them that I do not want to receive calls on my cellphone and gave them an alternate number to contact me. On XX/XX/2016 at XXXX, RMS contacted me again on my cellphone from the number XXXX. I informed the representative that I had requested that they not contact my cellphone when that company contacted me three ds prior to that call. The representative was extremely rude to me during the call and I had requested they either erase my debt or I would consider legal action since the company contacted my cellphone after I requested they not contact my cellphone. I had contacted the company the next day and was informed that they returned the debt to the original creditor because they could n't collect on it anymore.
This XXXX XXXX account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted XXXX XXXX to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all three credit reporting agency 's and report the information back to XXXX XXXX directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from XXXX XXXX as well as the third party collection agency. The collection agency never reported anything to XXXX XXXX, not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted XXXX XXXX directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with XXXX XXXX to resolve this issue however I have been unsuccessful in doing so. I also requested that XXXX XXXX provide any signed contract documents proving this account was opened by me which I have not received, in doing this XXXX XXXX has violate the FCRA. I have also submitted request to all three credit reporting agency 's for verification ( signed documents ) of debt which XXXX XXXX did not provide to Equifax, XXXX or XXXX nor myself ... however its still reporting on all three of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and XXXX XXXX to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
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Thank You
uSBANK PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]
I have received repeated calls from a company claiming to be Alliant Capital Management. They have not disclosed what the debt pertains to, however have left voicemails stating there is a matter in their office under review. I am not stating I do not owe the debt, as I have gone through a divorce and am currently a single mother working XXXX jobs to fix previous monetary mistakes, however upon returning XXXX of the phone calls to the number given of XXXX with the case number of XXXX I was transferred to my case manager XXXX XXXX XXXX who would not identify himself. He became abrasive and stated that he was not going to tell me until I gave him my case number even though someone gave him this in the background and he used my name which came up from my caller id. He hung up on me after I asked again what company he was with. I called back and was given the company name and hung up on. I called again, gave the case number and was transferred to XXXX XXXX who immediately hung up. Called back and got the address. Upon XXXX XXXX I have mailed a formal cease and desist letter however this company has made threats regarding what type of action will be taken for failure to pay a debt. They have called repeatedly and it is in an attempt to harass and annoy. At this time I am looking to purse all of my rights under Colorado law for this unfair and poor treatment. After a reasonable Internet search and I am unclear as to whether the address given was even the correct address for this company so the letter sent may be represented as never received because of this. I was given the address by a gentlemen named XXXX XXXX.
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re- investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I 've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, Black Law Dictionary, 6th Edition, 1990, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party '' .At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you ca n't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted.
State Home Mortgage XXXX or XXXX or XXXX call contact numbers that me and many other consumers are having issues with when calling in to get answers on mortgage matters. 

I received a call from State Home Mortgage on XXXX/XXXX/XXXX at approx XXXX EST asking me when do I plan on making payment. I felt that this number one was very unprofessional versus asking me what is going on or if I was aware that they had not received payment. I then explained to the representative that I made my payment via online Bill pay through my financial institution on XXXX/XXXX/XXXX and that the payment was taken out of my checking account on XXXX/XXXX/XXXX. I then proceeded to ask since the check that is cut and mailed out is post dated if I would receive any late fees the rep stated yes if they do n't receive payment by the XX/XX/XXXX. Why is this this does not seem to be fair or ethical maybe I am wrong. 

So I immediately called online bill pay to have an escalation to have them do further research on where the check is. Upon calling back on XXXX/XXXX/XXXX numerous of times and selecting the option to speak with customer service directly again at State Home Mortgage the phone lines kept disconnecting my call as if their were some technical difficulties. Once I was finally able to get someone on the phone they stated they are aware of the issue but it is due to their high call volume. Sounds like they need more representatives. Upon reading XXXX reviews I discovered after being locked out of my online account to review information as it pertains to my mortgage that it seems as if State Home Mortgage has deceptive practices that I feel need to be investigated immediately. One being their phone lines and no one being able to get the answers they are looking for and two getting a call back in a timely fashion upon leaving voice mail after voice mail after voicemail. It is ridiculous and shameful that I have to call 20 something times for their phone line not to hang up on me. Another issue that many consumers are having is not being able to make a payment on their website as the representative suggested to me because they are having issues with Bill Pay. What type of issues when a check is cut and mailed to you all 15 days before I am late with the exception of myXX/XX/XXXX payment.
Checked my Checking account and noticed I had a credit for {$250.00} on the XX/XX/2017 and and a debit for {$290.00} on XX/XX/2017 from Cash Central LLC. I have never authorized any loan or was ever notified of authorization from either my bank or the lender. I contacted my bank and alerted them of the fraudulent activity as well as the XXXX major credit reporting agencies.
I have an XXXX store card which is run by synchrony banking. I have had this card set up on auto pay and it has been set up this way for years. For whatever reason my XXXX payment was not deducted which resulted in a missed payment and late fee even though it is still set up on auto pay and has not been taken off. Sycrony banking called me five times over a four hour period along with several other calls early in the morning on other days even though I told them I would check the account and see if I could figure out why the payment didnt go through since they were no help on letting me know why themselves. I find their excessive amount of calls in such a short period of time extremely frustrating and do not appreciate the harassment considering my on time payment history with them since I acquired their card.
On XXXX/XXXX/16, we sold our primary residence and paid off XXXX our XXXX mortgage with XXXX and our XXXX mortgage ( HELOC ) with Bank of America. Both payoffs were made via federal wire transfers. 
The payoff of the XXXX mortgage was promptly reported by XXXX to the Credit Reporting Agencies ( CRAs ). However, the payoff of the XXXX mortgage HELOC has not yet been reported to the CRAs by Bank of America. 
When I called Bank of America and asked them why this payoff had not yet been reported to the agencies, I was told that it will not be reported until XXXX XXXX, 2016 in accordance with Bank of America 's policy ... that I have to wait until the next " interest payment statement calculation '' before this XXXX loan payoff will be reported. 
This means that it will take nearly 30 days after the payoff date for Bank of America to report this loan payoff, and likely even longer before the CRAs update my credit report and XXXX score. 
This is damaging to my XXXX score, because the CRAs treat a HELOC loan as if it were a credit card for purposes of their scoring models, rather than as a XXXX mortgage secured by real estate. That is unconscionable, in my opinion, and I hope that someone brings legal action against the CRAs for that practice. 
That CRA practice aside, why should anyone have to wait for 30 days for Bank of America to report that the HELOC has been repaid in full and that the account is closed? 
I can no longer borrow on that XXXX as it has been closed, yet Bank of America is preventing my loan balance, financial condition and credit score from being accurately reflected. This is unfair treatment by Bank of America of every consumer who pays off a HELOC loan.
We had Ocwen as our service. They charged us mortgage insurance and we never needed it. We were in a chapter XXXX bankruptcy and they messed our payments up from the trustee. We tried to modify our loan before our bankruptcy and they lost paperwork. Our names are XXXX XXXX And XXXX XXXX XXXX. My phone number is XXXX. Our current address is XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. The property in question was XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. Can we be part of a class action law suit? Thank you, XXXX XXXX XXXX email : XXXXXXXXXXXX
TD bank is blocking me from enabling external applications i ca n't share my information with coinbase because TD bank does not allow me to link my account to this website
I have been a victim of XXXX fraudulent charges in a row on my TD bank which happened XXXX XXXX, 2016. I noticed those transaction on XXXX XXXX, on my ATM mini statement and right away reported the matter to my local TD bank branch in XXXX, CT. They have told me they 'll investigate the matter and that they 've promised my funds will be back to my account in about 10 days. This incident has drained my funds and I was slapped with a {$70.00} overdraft fee which I vehemently protested because I 'm not liable for this. I kept calling TD bank hoping to give them pressure to settle this problem, I have so much bills that was hanging in the balance. Greatly this has put me in a bad side thus putting all my bills on hold. Ten days had passed and nothing has happened and all they tell me is false promises. I need my account and my money back. Wish this bank call the attention of it 's customers for such unusual transaction ( happened at an interval of XXXX minutes in one day for XXXX fraudulent transaction ) I just do n't want TD bank give me false promises, it seems to me they 're not doing enough to help their customers.
I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts.Furthermore, i accordance with the Federal Rules of Civil Procedure ; Rule # 1.130, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on three occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.