WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XX/XX/XXXX from Bank of America. I moved to XXXX in about XX/XX/XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XX/XX/XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XX/XX/XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with Bank of America ( or XXXX ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XX/XX/XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept Bank of America because the interest was 4 percent fixed. But alter selling my home I became manic depressive and could not do simple paperwork and the bank of America card never got paid. Of course XXXX did not care about anything but making money from me. ( I NOW know ... ) 8. According to XXXX 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from Bank of America around XX/XX/XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You.
I checked My Credit report on Equifax and seen a XXXX credit reported filed there..This XXXX has tried several times to report a fake report saying I owed this XXXX and They had been report to Vermont consumer affairs and was told they could n't do that and I had Disputed This XXXX Account several times even with XXXX..Now XXXX had XXXX XXXX XXXX file on Equifax I was never contact by this XXXX XXXX XXXX so i could dispute it with them..So I Filed a Dispute with Equifax and All I got from them is the had contacted them and I am not able to get on Equifax site to follow up with them or contact them or  such..XXXX  tried to add or change My Account so they could charge me more and I paid My last account and they tried to bill me more and I canceled My account with them and they was reported..I am not still able to get on Equifax site to follow up with them and Add anything to the Dispute and they have not done nothing to rectify this situation..I have still tried to get on the Dispute Site to check and file and its been over 30 days..I do not even have the account number to this Account or papers on it no more because this was back in 2014 and thought they was gon na grow up..This is the dispute file number they had giving me..XXXX
I took out a flex loan through XXXX XXXX in XX/XX/XXXX. I took this loan with the understanding it was a higher rate loan, however the repayment terms were not disclosed nor explained to me properly. There available loans are between $ 25- {$4000.00}. They advertise their XXXX XXXX, naturally, however all examples of repayment listed on their website are not for the {$4000.00} as if they were I feel sure they would not conduct the volume of business they do. 

These repayment examples also do not show any repayment schedule extended past 14 days, but they offer repayment terms past 14 days. The fees charged and terms of your repayment change drastically the longer you have the loan. 

To sum it up. I borrowed {$4000.00} in XX/XX/XXXX, have paid a total of {$4500.00} to date, XX/XX/XXXX. The payoff on my loan as of today XX/XX/XXXX is {$4900.00}. I will have repaid a total of {$9400.00} to this company. They list the APR as 279.50 % ; however since this is a rate of " cost of the loan '', basically they charge a % every two weeks as a " customary fee ''. 

In XX/XX/XXXX, I paid {$430.00} on XX/XX/XXXX - breakdown : {$52.00} Principal {$32.00} Interest and {$340.00} Customary Fee. 
On XX/XX/XXXX, I paid {$430.00} TWICE! They took a total of {$860.00} on this day -- breakdown : {$52.00} Principal {$32.00} Interest and {$340.00} Customary fee, ALL OF THIS TWICE. 

Notice how the principal amount applied to my loan did not change from XX/XX/XXXX to XX/XX/XXXX payments? 

This to me is the definition of predatory lending. There is no way my documentation provided up front would have shown my ability to repay {$1200.00} per month. If they were going to place these repayment terms on me I would not have been approved for the loan, nor would I have applied. 

This company advertises their customers only pay for the time they borrow the money. I paid {$1200.00} in the month of XXXX alone on {$4000.00} I borrowed to begin with. {$43.00} a day is what I paid in XX/XX/XXXX. 

Why are these companies not forced to adhere to the state regulated maximum rates set by regulators and not required to prove a customer ability repay a debt based off their own repayment terms? 

I will provide all statements of my account and any other requested documentation. A dispute has been issued with the company as well in writing.
I saw an article that President Donald Trump proclaimed this week as National Consumer Protection Week so I decided to check my credit report as suggested. I noticed I was marked previously past due or late by being 30 days past due on XX/XX/2017 and 60 days past due XX/XX/2017. I had thought I made my payments on time and didn't realize I was ever late.
Debt collectors Proof of Service shows that a " XXXX '' received the documents at a location which is not my work or my home. Violation of my XXXX and XXXX amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).
There are charges in my account that I dont recognize and sudden increase of my minimum monthly dues from {$25.00} to {$86.00}. Syncrony bank is a very terrible bank they are totally different with other credit cards and banks. I tryed customer service they are not willing to help very judge mental argumentative and just want to be difficault and make the Mather harder for me I dont like this bank and I want o pay off and closed my account but I wont do any of the above until the balance gets fixed
I previously filed a complaint XXXX against XXXX XXXX for their paying XXXX despite my letter of XX/XX/XXXX specifically telling them not to. At that time I had a credit balance in my account, and XXXX XXXX decided to steal that credit from me by paying XXXX in spite of my written instructions which XXXX XXXX admitted they received in XX/XX/XXXX. In spite of not having made any charges, XXXX XXXX charged me late fees and penalties AFTER paying XXXX and depleting my credit. In their response to XXXX XXXX XXXX told me to contact XXXX to cancel my XXXX account and if that were unworkable to contact XXXX XXXX so that no further payment would be required. I also received a letter from a XXXX XXXX stating that the payments to XXXX would be placed in dispute but what was not done was to refund any and all late charges and penalties for XXXX XXXX stealing my credit to force my account to go late. More recently as I retired I finally have time to look at my records and it is clear that XXXX XXXX charged me penalties and interest for my repayments that were made on time and in full in XX/XX/XXXX. XXXX is a thief and a scoundrel with the recent XXXX politics it is time to hold XXXX accountable for his theft of my money and not providing any of the " rewards '' that I earned as a XXXX XXXX " member ''. I want repayment of any and all interest and penalties as well as all the payments made to XXXX after my written instructions to NOT pay XXXX after I dropped their ISP service.
I do not recall receiving any notice of right to dispute or validation of debt. The Stillman Law Office filed court motions for a alleged credit debt sending only a statement. They then dismissed that case in XXXX of 2015, only to reopen to attempt to collect and gain more time for discovery. This office has been cited for multiple violations of Fair Credit Collections Acts.
XX/XX/2018. {$3000.00} charge to XXXX gift cards XX/XX/2018. {$36.00} charge to foreign purchase transaction fee XX/XX/2018. {$1200.00} charge to XXXX XXXX XXXX XX/XX/2018. {$4.00}. Charge to XXXX XXXX XXXXXX/XX/2018 {$4.00}. Charge to XXXX XXXX XXXX I spoke to the issuer of this card today, XX/XX/XXXX and they will start a fraud case. These amounts will be on my statement until this has been resolved, which could take 60 days. These are not my charges and Im ready to close this account. This credit card never leaves my house.
On XX/XX/2018 BMO Harries bank charged me an overdraft fee of {$36.00} dollars after I had deposited money to cover the overdraft that occurred on XX/XX/2018. On XX/XX/2018 an automatic charge from XXXX in the amount of {$10.00} was charged to my account which had {$1.00} at the time, causing me to go into negative {$8.00}. This occurred some time in the afternoon and the bank has a cut off time of XXXX local. The next day in the morning when I checked my account I was made aware of this situation, which I promptly remedied by depositing money into the account to cover the overdraft, at this time the bank did not apply the overdraft fee, which means the account was only in negative by {$8.00} when I deposited the funds to cover the overdraft. Later that day the bank charged me the {$36.00} dollars for the overdraft even thou I had remedied the issue hours before. I was not given any notice by the bank that my account had been overdrawn nor prior to me checking the account myself. There reasoning is that because I didn't not deposit money the day the overdraft occurred, the XXXX of XXXX, and it is now the XXXX of XXXX they will not remove the charge. This is only one of the shady practices that this bank deals in. A month before they charged me over {$100.00} dollars in late fees because they forced a service charge thru before my purchases causing me to overdraft even thou when I made the  purchase I had money in the account to cover the purchased items. I believe that this is blatant ripping off of customers since not even a full day had passed before I deposited money to cover the overdraft, the bank had not even charged me the overdraft fee when I deposited the money to cover it. This has occurred on many occasions and when ever I call to right the wrong they give me different reasonings and excuses of why they can not help. After some internet searches I came across several lawsuits against BMO Harries bank for these practices that they were fined for and lost cases. Thank you.
Equifax is violating the law by taking dropping your score if you dispute accounts that do not belong to you. I am currently disputing several accounts that are inaccurate or do not belong to me. I feel they are doing this because there is a glitch in their system that they refuse to fix that does not allow on line disputing. The accounts that are currently being disputed need to be removed and my points restored to my score.
XXXX  has been non-compliant with removing the unverified account XXXX   XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX   XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have been receiving threatening letters from Citimortgage regarding my condo in Florida for about a month. The letters request information regarding my hurricane and flood insurance on the property. I submit the information to the website and fax the declaration pages of both policies as requested. Subsequently, another letter will arrive each XXXX threatening to add fees and insurance bills onto my existing mortgage. Again, I update the website with no success. In addition, the bank calls my personal insurance agent numerous times asking for personal insurance information. I called customer service XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. During the initial call I was informed the bank needed master policy information from my homeowner 's association NOT personal insurance policy information. When I asked why the numerous threatening letters did not specify this I was given the runaround. I provided the contact information of the individual who could provide all insurance information regarding the condominium association. Citimortgage continued to call my personal insurance agent for information. Now I am told if the insurance info is not received within a certain window of time XXXX which they wasted with nonsense letters ) I will be charged fees and insurance costs to my mortgage. I stated I refused to pay any fees or insurance when I am adequately insured and was promptly hung up on by Citimortgage customer service. I would like to file a complaint regarding discrimination and unfair business practices. If the bank is going to treat customers in Florida who reside in a flood zone in this manner they should be penalized for such business practices. Ultimately, I REFUSE to pay insurance on my mortgage for insurance I already have but Citibank is too confused to properly ask for.
I received a check to use in the mail saying Im pre-approved for a personal loan. It said I would be getting a XXXX so I was not interested. I then received an email stating Weve lowered your rate. You will now get a XXXX I work in a XXXX XXXX myself and the fine print read Offer current as of XX/XX/2018. 

1 In order to consolidate an existing PenFed loan, line of credit, or credit card, the current Bill Consolidation Loan rate must be equal to or greater than the rate on your existing PenFed loan, line of credit, or credit card. No more than 50 % of Bill Consolidation Loan funds may be used to consolidate existing PenFed debt. PenFed does not permit internal refinances of an existing PenFed Personal loan or Bill Consolidation Loan. 

Loan amount determines term. All loans are subject to a minimum monthly payment of {$50.00}. 
Questions or comments? Contact us. 

To change your email address, please log on from our home page. This will ensure that your official records are updated. After you log on, go to " account actions '' then " Update Profile ''.

So this is not stating that I may not get that rate or anything. Nowhere on the email does it say as low as. I called to make sure and I was verbally told yes, I will be getting a XXXX. I deposited the money in my account of $ XXXX and when I go online, I see I have a loan of 12.99 %. Thats higher than some of the debt I want to payoff. I called and spoke to a supervisor named XXXX and he said they will not be able to honor the rate of XXXX
There is an unknown credit card debtor on my account which I know nothing about and have never known anything about it. These companies should not be able to report anything that is not valid until proven which in this case, it is not and will not be proven because this is not mine. In the meantime, my credit report score goes down 20 point without anyone proving this case. I dispute this behavior and I definitely dispute this charge. I want it removed immediately. The Company name is Midwest Recovery, XXXX, Missouri XXXX. Phone XXXX.
On XXXX XXXX, I paid Lamont, Hanley and Associates {$86.00} to pay an old collection debt in full. I have payment receipt. They agreed to remove the record from my credit report and did not do so. I filed a complaint XX/XX/XXXX and spoke with a rep who stated they would remove the record in 10 days. I pulled my credit report today and the record still appears as unpaid.
i contacted the collection company by writing, phone many of times to verify the debt. they stated i wrote a bad check inwich i obtained records from the bank that there is no ' bad check '. they will not send me any type of verification, they keep sending me statments that i owe the debt.under the laws i thought they have to send me evidence?
XXXX  XXXX XXXX XXXX card I had was discontinued and transferred to American Express whom I do not wish to do business with. I am told I need to cancel an American Express card account which was opened in my name but I do not believe I should have to cancel an account I never requested. 

I asked XXXX for a copy of my cardholder agreement which gives them the right to transfer my XXXX credit card to American Express without my consent and they would not supply it. 

I believe this is a violation of Fair Credit laws and is no different than XXXX XXXX opening accounts which consumers did not request.
Recently I received notification from M & T Bank ( creditor ) that our escrow account was short. Our two options were to make a payment in full to satisfy the escrow shortage, or make monthly payments to satisfy the deficit. My family and I decided to make additional monthly payments. Three additional payments were made towards the escrow shortage. Separate checks were written and I specify on the memo section of the check that these additional payments should be applied towards the escrow shortage. 

M & T chose to apply my escrow check payment towards my principle & interest payments, therefore, they have failed to apply my escrow payments correctly. Several unsuccessful attempts have been made to resolve this matter. During my last attempt to contact them in XXXX 2017 I was finally promised that they would reverse the escrow payments that were previously credited to my principle and interest. Unfortunately, about two weeks later we were contact by the creditor, this time to inform us that they will not be able to correct their mistake since the error occurred more than 90 days prior. 

Again we have made several attempts to resolve this matter within 90 days prior to receiving the last letter from creditor.Furthermore, creditor is reporting that I am 30 days late on my mortgage based on how my account was credited. This erroneous reporting can be a detriment to my credit scores.
This has been an ongoing issue in which I have tried to resolve for several years. Equifax failure to properly investigate an item appearing incorrectly on my credit report has created significant XXXX and a financial burden. Specifically, there is an account with XXXX that shows as a charged off account. This account does not belong to me. This account was opened fraudulently. On my credit report it shows that the account was transferred or sold, has a XXXX credit limit, XXXX payment amount, XXXX high credit. I have asked Equifax to provide information on how this account was verified. It shows a payment in 2010, I would like to know who made the payment and how the payment was rendered. This will assist me in tracking down who stole my identity and opened this account. Equifax has refused to furnish this information. It is impossible to have an account with a XXXX credit limit, XXXX balance, and XXXX high limit.
My name is XXXX XXXX. Transunion is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XX/XX/2015 and account number # XXXX. It does n't make any sense for this to be on my Transunion report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXXXXXX XXXX deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
XXXX XXXX XXXX has listed a {$610.00} collection to my credit report. The debt source is accurate, however the balance is not. The final high balance of that delinquency does not match the collection amount. 

I have paid this debt and have sent mail to XXXX XXXX asking about the debt however have not received a response. ( Both electronic and snail ) 15 U.S. Code 1681i states that Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
XXXX XXXX XXXX XXXX ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/XXXX/XXXX letting me know that the law firm was representing Capital One for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to XXXX XXXX XXXX requesting in writing a certification of the debt from the original grantor ( Capital One ). XXXX  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and XXXX # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and XXXX. I file a complain with TX XXXX XXXX XXXX, XXXX XXXX not give my information to any XXXX unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my XXXX because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
XXXX XXXX XXXX file number is XXXX
On XXXX XXXX, XXXX, XXXX XXXX XXXX reported a hard inquiry on my XXXX Credit Report that I did not authorize. I sent them a certified letter on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiry.  While the unauthorized inquiry is still being reported on my credit report.