WillisBack/dataset-financial-user-claim huggingface dataset:
I am not sure that the choices above fully cover the issue. There has been an ongoing dispute with XXXX since XXXX XXXX in which they have monthly inflated fees and charges for who knows what. I have filed previous complaints with this agency and others agencies regarding billing for services that I disputed and service that I did not receive. I tried and finally got them out of my life by signing with a company of my choosing, however to date I have gotten inflated bills and for the last several months I have gotten this same bill for {$270.00}. XXXX has billed me for months for an outrageous amount they claim I owe and I in turn insist I owe them nothing and submitted proof of that fact to several agencies including yours. XXXX threaten debt collection and to affect my credit. I submitted a cease and desist letter and I told them I was n't paying them nothing. As an end result a debt collector sent me a letter dated XXXX/XXXX/XXXX that I received XXXX/XXXX/XXXX regarding this matter. The company is McCarthy , Burgess & Wolff. It is claimed to be signed by a XXXX XXXX with XXXXbusiness but has this company 's email address. I have had no contact with XXXX since they left in XXXX and they are no longer in the cable business. In this letter, I am warned about three bullet points stated in the letter as a cautionary or threat before I respond. All three of the bullet points are from the prospective of XXXX and is false. I have not been given an opportunity to defend myself again nor has the debt been verified by this company. I am again asking for help. It is apparent that this debt collector is attempting to re-write the facts in an attempt to extort money from me.
I am on a repayment plan that requires me to renew my loan every 6 months. I began calling in XX/XX/XXXX to renew my rate reduction plan. I called a total of 3 times and each time was directed to call back later in the month, or the following month. The last time I called, which was in the beginning of XX/XX/2018, I was told I did not have a payment due in XX/XX/XXXX. I was told then to call back again in XX/XX/XXXX to renew my rate reduction plan. 

In the beginning of XX/XX/XXXX, I began receiving calls from Navient ( but they never left a message, so I didnt realize my loan was past due ). On Friday XX/XX/XXXX I logged on to the Navient website to download my tax form and saw that my loan was past due which didn't make any sense since I was told I didn't have a payment due in XX/XX/XXXX. 

I spoke to Navient today, and I was given two options : I could go into forbearance for the last payment, or I could pay the past due amount today. Since I live paycheck to paycheck due to my large amount of school loan payments, the previously allocated payment money went towards other expenses. 

I don't think I should have to pay extra capitalized interest on a mistake that was not mine. I made several attempts to keep my account in good standing and to renew my payment plan. I have not missed any payments or paid late in several years. I'm doing my part.
Good Morning, My name is XXXX XXXX. My family applied for the hardest hit fund in Michigan due to a loss of my husband 's 15 year job. We were approved, however when my Michigan Hardest Hit fund case manager contacted Mr. Cooper on XX/XX/XXXX to pay our past due balance, Mr. Cooper refused to take payment until I attempted to modify my loan through them. We are not in bankruptcy. I filled out a Mr. Cooper modification request and over the course of a month submitted all documents. My Mr. Cooper 's modification was denied with no options for assistance. We started this process back in XX/XX/XXXX when were two payments behind. 

Now we are at risk of losing our home. Can you please help us? We ca n't afford an attorney, and my husband now has a good job, and we really want to stay in our home. I am grateful for the Hardest Hit Fund program, and do not take assistance for granted. 

I just do n't understand why Mr. Cooper refused to accept the hardest hit fund payment. 

Thanks so much for your time, XXXX XXXX XXXX Mr. Cooper Acct # XXXX Hardest Hit Fund ( Step ForwardCase Number # XXXX ) Advisor who spoke with Mr. Cooper XXXX XXXX- XXXX- XXXX
XX/XX/XXXX, I was under a trial period for a loan modification with my prior servicer, XXXX. In XX/XX/XXXX, my loan was sold to Selene Finance, who indicated that they would honor the possible loan modification, after review, and that I needed to continue to send them the trial payments until I was contacted further. I made several calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then started again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Finally, XX/XX/XXXX, I received documents from Selene for a loan modification. Back in XXXX XXXX, I was in need of assistance. I filed the proper documentation to seek any help. I was denied, due to the fact that the previous loan mod was done within 24 months ( FHA loan ). Long story short, I argued with Selene and then hired an attorney to help me. The paralegal handling my case, had a conversation with one of the managers at Selene on XX/XX/XXXX who indicated that I was not eligible for a repayment plan but that I could re-apply for a possible loan modification, since the 24 month period would be expiring. I have a copy of the paralegal 's notes stating same. When I spoke to this supervisor, he indicated that he would never have said such a thing and that he had reviewed the tapes from that day and there was nothing on them stating that. I did ask to hear the tapes, but I was told no. I then tried to appeal their decision and was told that I had no right to appeal, since my loan mod was done in XX/XX/XXXX.
Recently a collection was placed on my credit report. It originally was from a fine in XX/XX/XXXX. Shortly after I made a judgement error and found myself in court ( XXXX XXXX ). I signed the deal XXXX. The deal included any and all pending items. In XX/XX/XXXX while still XXXX, a warrant was issued from lack of payment. I found out in XX/XX/XXXX and submitted a XXXX form with DA for demand for trial. They did not respond in time limit, so I filed a XXXX form, motion to dismiss. I have now gone to court by they will not open as they no longer had jurisdiction since my conviction, an deal, sincel XXXX XXXX, XXXX. I went to DA office they said they did not place the collections order and the warrant was removed. However there is no record that they were suppose to due of any of the motions, as it is handled by them and not the court. They not only also had no jurisdiction since XX/XX/XXXX, but the XXXX was a formal motion to dismiss all there claims. I have asked them to put a warrant back, so that we can go to court and they said they can not. Thus showing they have no authority and any fines and restitution were covered in my deal of XXXX XXXX, XXXX. It totaled {$700.00} and was paid years back while I was serving my sentence. This also shows if they had legal ability to any claims it would have been placed while I was serving my sentence. They suggested to go back to Public Defender for help. I did and since the file was closed in XX/XX/XXXX, and the courts, including DA no longer had jurisdiction since XX/XX/XXXX that they can not open any court days for me to address with the courts and the DA. I ask first who is the one who filed the collection. Again court and DA office said it was n't them. Second for them to show that they have they legal right to place that in my report.
I made payments to my Capital One account in XX/XX/XXXX through my mobile app. The XX/XX/XXXX Bill ( statement ) had a due date of XX/XX/XXXX. The Card was paid on the XX/XX/XXXX and the XX/XX/XXXX. My credit reports that XX/XX/XXXX was late. I wanted it removed by going through Capital One and disputing it. Capital One has yet to resolve this matter and its been on ongoing struggle with them. This is the only blemish on my credit holding up my VA loan approval for my families first home. 

It appears that they probably misapplied one of my payments and are having a hard time fixing it. I have a letter dated XX/XX/XXXX which stated to please allow 15 days plus another 10 for mailing? That puts us at XX/XX/XXXX max to investigate and up to 10 days to mail. Should have received this by now, and a resolution.
On XX/XX/2018 I disputed incorrect information from XXXX XXXX on my early warning services report. I disputed that the account is reporting incorrectly and to please the delete the account from my record. I also asked for method of verification of how it was verified. The company verified the bank details as accurate and complete when I know I never handled the account in such a manner. They also never sent the method of verification. Now I still have items on my report that are not correct and I really need them removed. This is stopping me from opening a new business account.
A claim was filed against me in Civil Court. It was subsequently discontinued. But the Discontinuance does not show on my report.
I disputed a charge on my Banana Republic credit card ending in XXXX ( issued by Synchrony ) under the claims and defenses section of Regulation Z ( 12 CFR 1026 ( c ) ) on XXXX XXXX, 2016. On XXXX XXXX, I received a letter from Synchrony on XXXX XXXX, requesting information about my billing error dispute and refusing to process my dispute if I did not respond. The first issue is that the form was only related to billing error disputes and not disputes under the claims and defenses section of Regulation Z. The second issue is that the form asked for all of the same information that I had previously provided to Synchrony. I tried calling Synchrony today ( XXXX/XXXX/2016 ) to determine what additional information is required, and the representative was unable to assist me. I believe that this practice of categorically denying all disputes without a customer completing a second form violates regulation Z and likely constitutes a UDAAP.
I filed for chapter XXXX bankruptcy on XX/XX/XXXX and have received a letter of discharge. Transunion is still reporting 4 open accounts and 4 closed accounts with XXXX  balances. I have contacted all creditors involved and they have stated, the accounts have been closed on their end. I have filed a complaint through Transunion inXX/XX/XXXX with zero resolution. The 4 open accounts are also showing bad standing and past due accounts. 4 closed accts include two from XXXX XXXX, one from XXXX XXXX and one from XXXX XXXX XXXX. All 4 open accts are from XXXX XXXX
I NOTICE ON MY CREDIT REPORT   XXXX   XXXX   NEVADA ADDRESS AND I NEVER LIVED IN   XXXX   XXXX   NEVADA. I DO HAVE FAMILY IN   XXXX   XXXX   NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE I SSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL   XXXX    XXXX , EQUIFAX,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    THESE ARE NOT MY DEBT. NEVER LIVED IN   XXXX   XXXX   NEVADA.   PLEASE ASSIST
I switched my card from XXXX ( with annual fee ) to XXXXXXXX ( with no annual fee ) in XXXX 2016. I was not refunded the portion of the annual fee for the remainder of 2016 when I had a no-fee card. In addition, I was not given the benefits of the XXXX card from XXXX 2016 onwards ( XXXX miles per dollar spent ). I earned XXXX miles per dollar spent which is the XXXX earning rate. 

In other words, I was charged for a higher product but given the service and benefits of the lower product.
Hello : Our family owns a home in XXXX, NM and our loan currently has PMI. We have paid down the principal and are now at 78 % XXXX. 

PNC services our loan. After we reached out, PNC sent us a letter saying that we are required to pay them XXXX XXXX which PNC owns jointly with XXXX )  {$590.00} for a XXXX Single Family appraisal because the loan investor requires proof that the property has not declined in value. 

What we would like to confirm is whether we actually need the appraisal. Per your efforts with XXXX XXXX, we read on your site/ comments that " Servicers must end a borrower 's requirement to pay PMI when the principal balance of the mortgage reaches 78 % of the property 's original value. '' We could be missing something but since we have it in writing that we have a XXXX of 78 % this would imply that PNC is responsible for ending our requirement to pay PMI. Again, we know our understanding of the subject is elementary. 

The process of removing PMI seems unbelievably heavy on a customer. We can not even imagine how much money is drained from our economy each year as a result. What bothers us more is that banks/ servicers turn a solid profit either way by setting up a toll booth which forces borrowers to pay them/ their subsidiaries large high-margin appraisal payments. Luckily, our family can afford this ( it will be tough to stomach and actually pay but we can if we have to thankfully ). Our fear is that for many who are arriving at this step ( hopefully they are even aware ), the appraisal price tag at 78 % could be a massive barrier to removing a large needless expense from their monthly budget. 

Again, we understand we could be missing some things but if you have any guidance for us it would be very much appreciated. Please let us know if you have any questions. Thanks in advance for your time and all you do and stand for at the CFPB.
I 've had a Fidelity Investment Reward XXXX XXXX card for several years. XXXX XXXX XXXX was the issuer. When I got the card I set autopay to pay the balance in full each month. This worked perfectly for many years. 

Recently Elan Financial Services acquired the Fidelity line of business. They cancelled my old XXXX XXXX card and issued a new XXXX, which I did n't receive until XXXX due to travel. 

But in XXXX, during the transition, an automatic charge was processed through XXXX. Before the automatic payment was made, the account was converted to XXXX and Elan cancelled existing automatic payments. 

Today I received a phone call saying my account was more than 30 days delinquent. This is the first notification that I owed Elan ANY money. I immediately made payment in full, but Elan had already assessed penalties, interest, and notified the credit bureaus. 

My autopay should have been applied before Elan took over the account, the autopay setup should have continues, or, at minimum, Elan should have notified me within days of missing a payment rather than waiting for more than a month to pass. 

How is it reasonable that I owe late fees, interest, and suffer a derogatory mark on my credit score when I 've never even used an Elan product? That 's right ... I 've never charged anything to their XXXX!
I was a victim of a XXXX when the individual was caught and sentenced to XXXX years in prison. I HAD TO go to the hospital even though I told them no because I had no money. I went, incurred the hospital debt myself and it was bought by West Asset Management. I paid in full and I want this gone from my credit report.
I was refused a PayDay loan because they have me listed as On Active Duty in the Military. See attachment. But I am a CIVILIAN and I have never been in the Military. I am XXXX years old. How in the world did I get listed as being in the Military? 
How can I get OFF this List of being On Active Duty in the Military. 
ASAP please!!! 
Thank you!
On XX/XX/2017 I applied for a personal loan product with PNC. My application was denied at the time I had a XXXX XXXX  Score been working with the same job for three years, not in debt, and only had one credit card. I called and complained, my application was wrongfully denied because to me I'm a well qualified applicant. After not receiving the answers I was looking for I proceeded to ask how to go about removing the inquiry as a goodwill gesture since my application wasn't approved they told me to send in a detailed letter which I did and to wait for a response. PNC never responded to me, I called in to see what was the pending status of my request. After calling and calling I was told that the inquiry wouldn't be removed even though I did exactly what they asked. Mentioned by the last CSR I spoke to even though I may be a qualified applicant because of the banks " Conservative views '' my application wasn't approved.
As of XXXX XXXX, through widely available media, I discovered that Equifax had been a victim of a cybersecurity attack that may have leaked millions of American 's private financial information. Based on this information, I went to Equifax 's website and confirmed there was in fact a breach. I used their free tool to see if I may have been an affected individual ; it was confirmed that I was at risk. 

I then went to each of the three big credit reporting agencies ( Equifax, XXXX XXXX ) and froze my credit to protect against fraudulent activities. I was charged {$10.00} each by XXXX and XXXX ( {$20.00} total ). I am unhappy to have had to pay these fees to protect myself from fraud that I am now exposed to due to the incompetency of Equifax. Additionally, I will have to pay future fees to temporarily or permanently unfreeze my reports in the event that I 'd like to legitimately make use of credit services.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SS # XXXX DOB| XX/XX/XXXX To : ERC XXXX XXXX XXXX. XXXX, FL XXXX XXXX RE : Account ERC XXXX Dear XXXX XXXX/To Whom it may concern, Please be advised that this is my SECOND WRITTEN REQUEST. I just received a letter from your company stating that the letter is in response to my request for validation. This is not a request for verification but a request for VALIDATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. 

I am writing in response to your letter date XX/XX/XXXX in which I asked for validation in accordance with the Fair Credit Reporting Act Section 609 (  a ) ( 1 ) ( A ) in which you are required by Federal Law to verify through the physical verification of the original contract with my signature on it that you have on file of the account listed in this correspondence. The letter dated XX/XX/XXXX did not supply me with ANY physical validation including my contract with my original signature on the contract as defined by the FCRA as listed above. 

You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original signature on it ) and under section 611 ( 5 ) ( A ) of FCRA-you are required to..promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy to me for negligent noncompliance ( Section 617 ) if you continue to fail to comply. I am a litigious consumer and fully intend to enforce my rights under the FCRA. 

Originally the first action I took was to file a dispute about ERC reporting a nonverified on my XXXX  Credit Bureau Report with my dispute originally dated XX/XX/XXXX, Dispute # XXXX specifically about the reporting of Enhanced Recovery Account # XXXX which is causing me direct harm by affecting my FICO score and preventing me from obtaining a home loan. I filed a timely request for a reinvestigation of the reporting of ERC with XXXX  and the results of Dispute # XXXX for XX/XX/XXXX were as follows : Enhanced Recovery Co XXXX with the outcome : ERC DELETED- This item was removed from your credit report. 

I am demanding that ERC remove the reporting of the account # XXXX which continues to show up on my XXXX Report and all credit files and a copy of such deletion request shall be sent to me immediately.. 

I am enclosing the XXXX  Dispute with results with ERC deleted per the investigation of XXXX  which shows that ERC is reported as Non-verified debt. ERC letter dated XX/XX/XXXX in which you clearly reference Dispute Validation with no validation provided Copy of most recent XXXX  Report showing ERC Please delete the misleading information from XXXX  within 10 days of receipt of this letter sent USPS Certified Mail. If for some reason I do not receive a return satisfactory response with the removal of ERC from my XXXX   Credit Report I will file complain with the Office of Attorney General, and the CFPB ( Consumer Financial Protective Bureau ) and the local XXXX.
In XXXX of XXXX I received a new credit card in the mail from JCPenney where I have had a credit card account since XXXX. I DID NOT REQUEST THE NEW CARD. Periodically through the years, they have sent me a new card with new rewards etc. and told me to activate it to replace my old card. So that 's what I thought this was. 

I do n't remember if the letter about the new card came separately or with the new card because I saved them together. The top of the letter had these large print words, " CONGRATULATIONS! You are being upgraded to a new JCPenney XXXX. '' It said no action was needed on my part and the new card " replaces your JCPenney Credit Card. '' So I assumed this was just a new card for my same account. I had no balance on my account and had not used the card in several months so I just stuck it in my wallet, figuring I would activate it from my cell phone the next time I decided to use it. 

On XXXX XXXX, XXXX, I shopped at a local JCPenney 's and while I was at the register, I remembered I needed to activate my card. The cashier let me call to activate it so I could finish checking out. In the process, they asked for my annual income to increase my credit limit but I told them I was in line at the store and did not want to give that information and also that I did not need to increase my credit limit because I hardly ever use the card. They said I could just keep the same credit limit. I said that is fine with me and assumed that meant they were not doing any kind of credit check. I then completed my purchase with the new card. 

Then, on XXXX XXXX, XXXX, I was notified by email that a credit alert had hit my credit report because I opened a new credit card account. I was completely shocked because I had no idea that is what I was doing when I called to activate my JCPenney card. So I dug out the letter that came with the card and that 's when I saw the fine print on the back FAQ section that stated if I accepted the upgrade, my old credit card would be closed and transferred to this new account, which would be added to my credit report. 

I guess it 's my fault for not noticing that statement which was in much smaller print on the back of the letter. But I believe this was a very deceptive and misleading marketing practice. All of a sudden, after 16 years of getting upgraded cards which never required any kind of credit check for me to activate, JCPenney sends me a new card that was COMPLETELY UNSOLICITED! In the fine print it said, if you want to keep your current JCPenney credit card, then call this number ... 

This is completely backwards! If they want to advertise new cards and accounts it should require action on the consumer 's part, not " NO ACTION ''! 

It 's too late now because the account is already open. I just want this to be addressed so it does n't happen to somebody else! It 's not good for your credit report to keep opening accounts and this was so unnecessary and unwanted!!! 

SHAME ON YOU JCPENNEY!