WillisBack/dataset-financial-user-claim huggingface dataset:
the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 

1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 

2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 

3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 

4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 

5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX XXXX XXXX.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2.  XXXX XXXX XXXX. 
3. XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7.  XXXX XXXX XXXX
This XXXX XXXX lady calls EVERYDAY from a new # claiming that I have a fraud case against me and that there are criminal charges pending ... These people are a complete joke ... When you google the number of any legit business an actual website comes up. Meanwhile when you google these numbers all these comments come up ... 

These people are absolutely ridiculous. When you can send me something in writing maybe just maybe I will call you back. I know my rights and threatening people for a supposed debt is absolutely and completely illegal. But NICE TRY THOUGH ... Guess ill be blocking this number too! 

Below are the list of other # 's she calls XXXX
I have a Chase credit card with a reward program. I have accumulated XXXX rewards points on my account which worth cash amount of {$340.00}. But when I was trying to redeem the cash, Chase took away all my points without any notice in advance, and refuse to redeem any cash for me.
I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, Experian deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. Experian has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. XXXX and XXXX has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High  Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked
National credit systems has been reporting an account I have been trying to resolve with them for 2 years now as a rental collection. I have disputed on several occasions that this is not my debt and I have no knowledge of this debt and requested more than 8 debt validations and still no response but continues to report on my XXXX credit report as verified and valid although this has never been verified and no validation has ever been sent to me. This is a direct violation of my rights as a consumer and can be fined and fee 'd for such violations. National credit systems is reporting a debt in the amount of {$1100.00} for an account number of XXXX. I want this off of my credit immediately.
ABLTY RECVRY- states that I have a past debt of {$890.00} this has been reported on my credit report with negative status and now sent to collections. At the time when I was seen as a patient I was recently released from prison and living in a half way housing before returning to the general population. I shouldn't have been charged any medical fees because all medical treatments are covered under the federal correction system and I also had medicaid coverage as well.
Entered into subprime mortgage with Countrywide. Had a motorcycle accident. Immediately contacted HUD/FHA for mortgage relief while injured ( could not go to work, financial hardship ). Contacted by BofA regarding my requests. Sent to numerous mortgage counseling programs and representatives of different departments within BofA, all to no avail. BofA disregarded my qualified written requests as of why they were dual-tracking my mortgage and were deficient in providing me with mortgage foreclosure relief at the same time. In violation of RESPA, BofA never responded, but continued forward with their foreclosure actions by and through their attorneys XXXX XXXX XXXX in XXXX, Illinois.
This bank is actively charging people for overdrafts when the account balance was never negative. The branch manager hides in her office and refuses to speak with customers. The branch manager also routinely refuses to provide contact information to others in the company to register a complaint. US Bank is proving to be a dishonest and corrupt organization. The personal banker went so far as to make the statement that it is not a crime for the bank to clear items in an order that would generate overdraft fees.
Will not give me a pay off letter, and every time I tried to pay what was on my credit report they would change the amount.
I have a mortgage account with XXXX XXXX. On the most recent statement, they have added a {$25.00} charge under " Other Fees '', with no explanation whatsoever, and no reason I can fathom as to why it would be legitimate. It does not appear on their online statement. 

I have automatic payment enabled, and I 'm assuming that they 're hoping I would not notice, and they can just scam me for extra money. I plan to call their customer service, but given their previous billing issues and resolution process XXXX which, as with most companies, they make as cumbersome as possible, and requires long hold times and complaint elevation ), I do n't know how long that will take.
On XX/X/17 I received the results of the disputed accounts on my TransUnion credit report. I have previously asked TransUnion for their method of verification for these accounts, but the only thing I continue to receive are " verified '' results. My requests for their method of verification have been ignored. In the case of XXXX XXXX ( acct # XXXX ), 2 of the 4 accounts were removed. I do not understand this, as these accounts have the same account number. Please provide the documentation used to verify the remaining 2 accounts. Also, XXXX XXXX XXXX ( acct # XXXX ) ; one of the accounts from this creditor was deleted, but the one remains. I am curious to know how 1 account was " verified '', but the other was not. I contacted XXXX XXXX XXXX XXXX for documents to verify the 2 accounts recently placed on my credit report. I have submitted the documentation to TransUnion provided by XXXX XXXX XXXX. It is my understanding, that according to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, credit bureaus are required by federal law to verify through the physical verification of the original signed consumer contract. I have yet to receive a signed contract from any of the creditors shown below, whom I have personally contact to provide physical verification. Simply submitting a " statement '' is incomplete verification. I have attached all documents received by the creditors listed below. It appears the law has not been followed by TransUnion in regards to Section 609 of the FCRA. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
XXXX from XXXX XXXX XXXX in New York is contacting unrelated third parties seeking information about me
There was a representative from M & T Bank at the closing ; and I have been making mortgage payments to M & T Bank since I closed on the apartment. The HUD-1 ( see attachments XXXX & XXXX ) a copy of which was received from M & T Bank states that {$110000.00} was received as new loan from XXXX and {$7500.00} as XXXX XXXX also from XXXX. These amounts are also stating on other documents received from M & T Bank ( see attachments XXXX & XXXX ). Therefore the total that should have been received from XXXX is {$120000.00} ( {$110000.00} + {$7500.00} ). Instead XXXX provided XXXX checks totaling {$110000.00} ( {$59000.00} + {$58000.00} ). The seller was paid {$59000.00} and the Bank owning the current mortgage on the property was paid {$58000.00} ( see attachment XXXX ). These checks are also mentioned in the letter dated XXXX XXXX, 2016 from XXXX in which it stated that " we are also enclosing copies of the checks from XXXX, which were requested by and provided to your attorney '' ( see attachments XXXX & XXXX ). 

This means that there is a difference of {$8400.00} ( {$120000.00} - {$110000.00} ) before the payment of closing costs. Assuming an average closing costs of {$3000.00} for the purchase of a co-operative - this means XXXX is overstated by {$5400.00} ( {$8400.00} - {$3000.00} ). 

Another way to calculate the overstatement of my mortgage is to use the closing costs documented on the HUD-1 which XXXX stated is the final accounting for my mortgage. The total closing costs on the HUD-1 is {$6000.00}, so clearly there is already a difference of {$2300.00} ( {$8400.00} - {$6000.00} ). The total closing cost of {$6000.00} includes amounts that were never paid and {$2000.00} which was paid by another XXXX. There is a {$300.00} for review of recognition that was never paid and a {$1000.00} for settlement fee that have not been paid. My attorney stated that the {$1000.00} was a bank charge and it had nothing to do with him, however, in the letter dated XXXX XXXX, 2016 from XXXX, it is stated that the {$1000.00} is my closing attorney 's settlement fee and that it was made payable to my closing attorney. This is disturbing ; my attorney said he had nothing to do with this {$1000.00} and XXXX is telling me they paid it to my closing attorney. WHO SHOULD I BELIEVE? 

Therefore, adjusting the closing costs on the HUD-1 this indicates that XXXX mortgage is overstated by at least {$5700.00} [ {$8400.00} - ( {$6000.00} - {$2000.00} - {$300.00} - {$1000.00} ) ].
My house flooded on XXXX/XXXX/2016. I sent the advance check from my flood insurance company to Ocwen Loan Servicing along with a letter showing it was only and advance and not the complete claim. I have sent their required documentation several times and over 6 weeks later I still have not recieved any money to start the repairs to my house. I have had to use my own money to pay for gutting and drying so that futher damage would not occur.
I co-signed for my niece to take out a student loan. The original amount was {$22000.00}, that was nearly XXXX years ago. The loan amount I 'm being told is now due is {$29000.00} XXXX unpaid principle ). Ive been paying {$100.00}, per month for XXXX years. Ive been trying to understand why my niece was being charged accrued interest during the entire time that we understood that her hardship grace period was in effect. The company 's representatives have not been able to explain in any wat that I can understand their accounting practices. 

My niece is still in school. She is not able to make any payments. 

From XXXX XXXX thru XXXX XXXX she was supposedly on a " rate reduction hardship ''. I was still making those payments throughout that time
On  XXXX   XXXX ,  2017 I was doing refinancing of my Mortgage and my credit was ran and the loan officer discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan : SALLIE MAE Accou nt :  XXXX  Opened on  XXXX   Amount  : {$1000.00}
Pulled my credit due to trying to buy a house. I found that I had a medical collection from Central Financial. This is a medical debt from XXXX XXXX Hospital. I sent a dispute in on XX/XX/XXXX stating I provided both insurance to the hospital. My XXXX XXXX was already in the system but when I started working and had XXXX added at the time of visit. XXXX XXXX removed my XXXX XXXX and just added XXXX. This was the only insurance billed. The sent notification back stating I verbally gave only 1 insurance information and will not remove the collection nor stop collection. I called back on XXXX XXXX and the agent I spoke to went through the entire account and realized the account went into collection XX/XX/XXXX. I called in on XX/XX/XXXX letting the agent know that I had a secondary insurance that should have been billed. He stated that it was 2 accounts in the system and the agent notated only 1 account and that 's why they are only pursing that 1 account. He told me to send in another dispute stating the information that was given. I called today to see if there was an update on the second dispute. I was told by the agent that I was not allowed to do a second dispute and also they just received the second account in XXXX that also need to be paid. I know this information is not true due to the fact that both accounts was in there office when I sent the first dispute in XXXX.
The company Aqua Finance is committing fraud. I had an account with this company over 8 years ago. They installed a water softener in a residence that I lived at. payments to this company were made for three years. due to an extreme hardship loss of work I lost this residence to the bank to include items in the residence. Aqua finance was listed in the court documents given a time limit and was notified to pick up there property. 

I am currently trying to clean up my credit and found out that Aqua Finance is deliberately and intentionally committing fraud. 
what they are doing exactly is manipulating the credit reporting system by claiming my account has changed or shown activity when it has not for over seven years. For example I was recently informed by XXXX that my account with aqua finance changed from a collection status to 120 days late which is fraud. no type of payment arraignments or status has ever changed on this account since 2005.This happens every month which will not allow the account to ever show inactive. what this does is never allow the debt to age properly allowing the consumer to remove the debt., all three bureaus will have proof of this fraud am sure I am not the only one this is happening too.
On XX/XX/2018 I was contacted by the company to take out a loan for {$15000.00}. The terms was for 36 months at {$440.00} / month on the XXXX direct withdrawal from my account. I start noticing the amount was more and they were taking it out different days of the month. I recheck the loan agreement XX/XX/XXXX which downloaded in their app and it was for a different amount to be taken every 28 days for {$470.00} for 52 months. When I contacted the company about the fraudulent loan that my name had been attached I was told they would do an investigation. I received emails confirming that it was not right it was supposedly a human error. I repeatedly asked for the original loan but they could not give it to me and wanted me to agree to a new agreement and with supposed original terms. I refused because I knew that they couldn't produce the original loan agreement with my signature. They kept badgering me about making payments on a fraudulent loan they claim they did an investigation which I received there was an error on the company 's part however it was very clear that company intended to fraud me out of thousands of dollars. I found out this is has been to many other people. THE inconsistencies caused insufficient funds in my account because my due date went from the XXXX to the XXXX of the month for more money and a longer-term. Each month a different day. I have emails confirming that they want to try to re-establish the loan with original agreement but can not produce the original with my name sign to it. So basically the company gave me the original terms then went back and change the terms to get more money out of me actually over {$9000.00} start importing my signature to a loan I never agreed to which is not only a civil violation but a criminal act
XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the inquiries that I want deleted from my credit report. Your customer service would not help and take care of the negative inquiries reporting to my credit report
The keep calling someone who has asked them to stopped, they call a lot on every phone and leave 2 messages on each phone. I have tried working with them but they will not work with me. The final straw was when someone I knew went to pay on their loan and the manager, XXXX, was nice enough to tell him that i was behind and I needed to come pay him or he was going to come to my house. The person he told this to is not a significant other either.
I agreed to retrieve my Experian credit report for {$1.00}, but was signed up without my knowledge for a membership costing {$21.00} per month, and I did n't know until I was charged this past week. I have tried to contact the company, but was put on hold for 30 minutes.
i have a capital one venture card i 've been with them for quite some time. I 've called them couple of times to help me pay off my credit card faster by lowering my APR from 19.99 to a  lower one but they refuse.debt relieve programs are n't a option for me because they want me to close my credit cards and i need at least one for emergency.i have n't once been late with my payments throughout having this card.i think deserve a break from a high APR.if capital one cant help me by lowering my APR my only option is bankruptcy and I 've already  talked to a bankruptcy attorney he said he will get all the documents and papers ready to file. If they cant lower the APR postponing my payments for some time will help me but saving up the money and paying it of that way. but 19.99 % apr is ridiculously high.
Companies : XXXX, Experian, and XXXX Dates : XXXX 2017 Following the XXXX data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.
I had automatic payments set up from my checking account for my car leasing with Toyota financial Institution. I changed my car on XXXX XXXX, XXXX payments were pending ( XXXX XXXX and XXXX XXXX ) but as part of the agreement, my old car was paid off. Despite this agreement, and verbal notification with Toyota financial Services XXXX weeks ago, they withdrew {$300.00} from my account yesterday. 
I want my money back. 
This financial institution should be punished.
On XXXX/XXXX/XXXX, I called Wells Fargo at the following number : XXXX XXXX XXXX XXXX, to complain about an entry on my checking account for {$210.00}, for an online loan company called XXXX, of which I did not authorize. The Wells Fargo online banker proceeded to inform me that I was being assigned a claims number ( XXXX ) and a reference number ( XXXX ) ; and that it would take two weeks to investigate this matter. This call was at approximately XXXX am. Not being satisfied with this practice of allowing companies to take funds from my account, particularly the XXXX, and others, I then decided to go to the local branch office to close one of my accounts, because I believe there are fraudulent bookkeeping practices at this local branch, located at XXXX XXXX XXXX XXXX in XXXX Virginia. 

At approximately XXXX pm, I then went into the aforementioned XXXX XXXX branch, and asked to speak with the XXXX, however, XXXX XXXX XXXX XXXX bank XXXX XXXX spoke with me first, and I proceeded to inform her of the above incident, and I asked her if this bank had a relationship with XXXX, because I have noticed irregularities with my account, and the entries made with XXXX I also notified her that I would be making an official complaint. I asked to close my business account, and also asked for as many statements, that I could have. XXXX XXXX said I could have as much as five years worth, but I requested only for the past year. She said the copies would be free, however, before completing the copies, she then went to discuss the matter with XXXX XXXX XXXX the XXXX XXXX. At this point XXXX XXXX stated I had to pay {$5.00} a page for copies, and so I asked for whatever free copies I could get. In addition, XXXX XXXX threatened to file a complaint about me, if I were to complain about the bank. I then completed the task of getting XXXX month worth of copies of all my accounts, paid the fee for my business account, then closed the business account. It was my decision to leave my everyday checking/saving account open because it would take two weeks for my initial complaint ( see above ) to be resolved.