WillisBack/dataset-financial-user-claim huggingface dataset:
I recently refinanced my Home Equity Line of Credit to a conventional mortgage with another banking institution. On XX/XX/XXXX the bank sent a payoff check and the letter to BSI Financial that I was no longer going to have a draft and that I was no longer accountable to there company. The loan was paid off in full to the amount BSI showed as the payoff amount. 
OnXX/XX/XXXX I received a statement showing {$0.00} principal with a previous payment of {$110000.00} paid to them. With a fiance charge of {$260.00}. 
I called on that same day spoke to a XXXX at the BSI Financial Company, asking why did I receive a statement for a payment due? When I had refinanced with another lender and they were paid off onXX/XX/XXXX. She stated that the statement was generated and sent out but, that I did not have a balance due on the computer she was looking at my account. So, I said so you are saying that you will not draft money from my account on XX/XX/XXXX. She said no they would not and that all was good. 
I went on about my business thinking everything was done. While checking my account on XX/XX/XXXX, I saw that BSI indeed did draft the funds from my account causing my account to become insufficient because I was not anticipating the draft. I called again and spoke to XXXX who stated that she would contact the payoff team concerning this. And that someone would contact me within 24-48 hrs. I called the next day again because I needed the money back in my account. I then spoke to XXXX onXX/XX/XXXX he stated this was interest they were collecting. I said how can you collect on a XXXX balance and I needed my money back. He stated that the quicker way to get my funds was to call my bank and dispute the charges. Because they were not a bank and could not cut me a check electronically. 
So at his advise did just that and the money was in my account the next day. 
Since then I have received numerous calls to collect the {$260.00}. They also have said through out these conversations that they did not receive the letter releasing me of bankdrafts. 
I called my bank and on XX/XX/XXXX asking them did they send the document concerning the cancellation of drafting. I signed this at closing. She stated that they sent it in with payoff check. Which we know that they received. I asked them to please resend it and they overnight again to BSI via XXXX. Received on XX/XX/XXXX by receptionist at XXXX XXXX. I have since received more phone calls saying that I owe this money. I do not believe I do. On XX/XX/XXXX I received in the mail a letter saying that they received a letter stating to change the Automated Payment Plan as of XX/XX/XXXX. So, I do know they received that letter. Since then they are still calling. Today I received a letter saying I owed them a {$25.00} NSF for the funds they took on the XX/XX/XXXXwas NSF. I do not believe I am responsible for this fee due to the fact they should not have drafted the money in the first place. XXXX balance is XXXX.
I have a loan thru Naviet and went to XXXX college that closed down few months after I finished but never got my XXXX. No one would tell me anything and I have this loan that I ca n't afford to pay back. They keep calling and will not help me lower my payments how I 'm I suppose to pay XXXX a month I 'm a single mom
My received a loan set off and determined by the fair market value of a 2001 XXXX canry yellow XXXX in mint condition. They refused rto make payment arrangements with me and my car was repossed within only a 30 day period of not being able to pay due to an truck accident in which I lost my job. XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to make a payment arrangement over the phone and said I need to make an arrangement in person after losing my only means of transportation. They accelerated the loan and breached the peace by selling my car without proper notice and venue and I was given a potential fraudulent.bill of sale sold at an auction in which it was sold for XXXX .I 'm requesting proof of sale and Bill of sale and XXXX XXXX XXXX XXXX XXXX insurance company 's information to submit. A legitimate and valid claim. I have XXXX. Video of XXXX XXXX branches Gm giving me really potentially fraudulent, exaggerated bill of sale without proper notice to be first in line to cure account and be able but back my property and my means of transportation. The district manager refused to provide me the insurance companies contact number on recording. There is no statues of limitations on fraud. This is a strong unrefuted unrebutted claim in that regard claim amount is fairly calculated in the amount of XXXX.
Bank of America provided no warning, written via telephone nor via email though in full possession of those facts about the expiration of an offer. In point of fact in violation of the Fair Credit Reporting Act have forced me into a negative option.
In 2012 I helped my son obtain XXXX XXXX by using my credit card because it was required and he did not have one. Thereafter, he let the account get in arrears and so it was charged to my credit card. I notified my son of this and he took all of the equipment which belonged to XXXX XXXX to the XXXX XXXX in XXXX, Texas and paid the bill and XXXX XXXX took the charges off my credit card and I then closed the credit card. Then later my son decided to keep the services of XXXX without any help from me or use of my name or credit. Then once again he got into arrears with XXXX and moved away without paying the bill which had nothing to do with me. He was residing at XXXX XXXX XXXX XXXX in XXXX, Texas. Now, XXXX XXXX has hired a collection agency to collect his debt from me and when I would not pay, they put it on my credit report and showed that I lived at the XXXX XXXX address where I have never lived. This is not my debt and I have filed a dispute with XXXX only to have my dispute denied and the debt left on my credit report. This is very maddening because as I say, I have never used the services of XXXX nor have I ever lived at XXXX XXXX XXXX where the services were provided. Please do your best to rectify this outrageous matter. Thank you.
needed to link my account to XXXX for a withdraw to bit on coins. was denied by td bank.
I  had to file for bankruptcy and it was discharged. My   XXXX    credit reports continue to show balances on accounts that was discharged. I am trying to re build my credit and this continues to hold me back.
Dear CFPB, I received a letter from BMW via MY BMW online account stating that they would reconsider my application for refinancing of my vehicle which I financed through them, as a brand new purchase in 2011. 
Today, the refinance agent told me that the decision was made and I could get a co-applicant but it basically would not help me keep my vehicle ; I would need to trade it or sell it on my own. 
When I mentioned I received an email reply to how I could get my BMW refinanced through BMW since I am already financed through them, the agent said he had never heard of the person I received the reply from and that the reply did not matter because they were not going to refinance my vehicle even though I have been financed through them for the past 5 years.
Although it has taken longer than anticipated to find the info, as indicated previously Experian has not complied with the class action settlement of 2014 ( XXXX Experian Information Solutions , Inc. ) which entitles class members to the free Credit Monitoring Product for a period of 3 years. 

Class Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Additionally, although I recently received a credit report ( from your efforts ), it did not contain my score ; as it should have if for no other reason than to show good faith for not providing free Credit Monitoring for over a year since the settlement.
I regularly make on time payments online to the credit card " XXXX '', fromantic XXXX. For some reason, a payment I made online in XXXX was not taken from my bank account. When I called to find out what had happened, the employee I spoke with said he saw the payment and to " give it a few days ''. So, I waited, and saw that it still had not withdrawn. I called back and the employee I spoke to asked which website I paid on. Apparently, according to him, they sent out emails that the website changed. I received no email, and told them I ticked on the card 's site " Paper Mail Only '' option. He said that the company decided to send emails because it was " so sudden a change ''. Yet, I was still able to make payments online on the old site. Unfortunately the payments did n't take. There were no disclaimers or notices on the old site that they changed addresses. The employees I spoke with previously did n't even mention the site change. I disputed with them, and they eventually admitted fault and refunded my late fees and took the payment. However, the credit reporting was reported as over limit with a number that did n't even reflect my balance. I called to dispute it again, and they said it would be taken care of. As of XXXX, nothing was done, and the balance still did n't match the reporting. I had a balance of XXXX, yet they reported it as XXXX. They were also reporting me as 30,60,90 days past due. I disputed with trans union and they found my claims to be correct. NOTHING has changed on the credit reporting as of today, XXXX/XXXX/2015. My credit has been SEVERELY damaged because of this. Now, they are saying my payments do not go through online because of an incorrect account number, yet, nothing is wrong. After disputing it YET AGAIN, they refunded the late fees and took my payment over the phone ( at a XXXX phone pay fee ). Now, my payment was due yesterday, but still has n't posted on my bank account. I double checked my account info on their website and it is correct. I have a feeling they are going to try to get me to pay for the over the phone fee yet again. This is criminal practice. The last rep I spoke with told me that being over balance would n't hurt my credit, then proceeded to ask me personal questions about where I live. This is illegal, is it not? I want my credit back, these criminals held accountable, and this balance fixed!
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. 

XXXX is using SECURITY CREDIT SERVICES to collect money I don't owe, SECURITY CREDIT SERVICES used XXXX XXXX  XXXX services to collect debt as well. I don't owe any debt to any company XXXXnd/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX credit history and legal actions will be taken. 

I have prove of what I said above about XXXX NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. 

Please note, debt is being disputed and for more information I'm attaching needed documentation. SECURITY CREDIT SERVICES haven't had any kind of communication with me, please respond or lawsuit will start right away.
On XX/XX/2018 I sent a letter to XXXX XXXX requesting verification on two account on my credit report. the accounts are 1. XXXX XXXX, Account numbers XXXX .... 
2. XXXX XXXX, Account numbers XXXX .... 
3. XXXX, Account numbers XXXX the investigation results summary said that these account were VERIFIED AS ACCURATE. 

I am demanding from them to send me verified proof to me so i can compare them with my records. If they can not provide me this proof i am requesting these account to be deleted immediately from my credit report
For the past three months ( XXXX 2016 - XXXX 2016 ) I have made my scheduled monthly mortgage payment through the ditech website at www.ditech.com, and each month I am having to follow up with each payment because they are not being credited to my account. The monthly statement will show payment received but because I make note of my principle balance each month I noticed it does not decrease. When I call and speak with a representative they state the payment is " sitting in the unapplied funds account ''. If I am making my scheduled payment amount, no more nor no less than what I need to pay why are my payments not being credited to my loan? I should n't have to follow up every month to ensure Ditech is crediting my payments as they should. As a consumer this is very inconvenient and makes me question if my payments are even being applied between escrow, pmi, interest, and principal correctly. I 'm sure this must violate the Regulation X, RESPA in respect to Prompt payment crediting.
I never tried to open an account with XXXX, But today while I was setting up my XXXX XXXX account I found two enquires from XXXX on the same day which is on XX/XX/2017 Kindly help me out this issue.
I have an issue with a transfer that was completed when I left the Ace Cash Express on XXXX/XXXX/2016. The receiver stated that the money was not available when promised and today after checking the money gram website it no longer exist. I did not cancel the transfer nor did I receive a refund.
Tried making a payment to my credit card and the payment returned due to financial institution information being entered incorrect. In the result of my account being 60 days pass due Wells Fargo Closed my account. As of XX/XX/2018. spoke with a representative that same month around. XX/XX/2018 in the executive office confirmed account was closed and my collteral would be relsease from the clos our date of. XX/XX/XXXX. Wells Fargo opened my card in XXXX I was not notified and incurred fees on the account. card reckoned again in a XXXX and now Wells Fargo is stating I owe a XXXX balance but reported to my report different amounts and is not trying to resolve my issue.
I applied Chase XXXX XXXX Credit Card on XXXX/XXXX/2016. To meet to minimal spending for sign-up bonus, I used it to made purchases about {$2500.00} on the weekends. But they suspended all of my Chase credit card on XXXX/XXXX/2016. After a call to Chase Customer Protection department, they assured that I would get a phone call in XXXX 7 business days. Until today ( XXXX/XXXX/2016 ), I never get any call from them. And I already pay off all the balance in both accounts last week. I have more than {$800.00} in XXXX accounts, which I can not use.
Last XX/XX/2018, I disputed my XXXX - XXXX to the credit bureaus and this company has been reporting incorrect and incomplete information. They are misreporting the account every month as an open account, instead of an account that was charged off. Theyve also omitted the date of last payment to make the account look like a recent debt, this is a violation of the FCRA and harming the credit report and score more than legally permissible. e than 30 days have past and nothing happened with my dispute and did not receive anything from the creditor. 

I also disputed the following items on my credit report to this company : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX- XXXX and XXXX XXXX- XXXX all of which are showing incorrect and incomplete information. I requested an investigation to be completed within 30 days, but this company blatantly neglected and did not comply with FCRA stipulations.
XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30 a llowable days.
Focus Receivables Management has been calling me every day for the past 8 months. When i answer half the time i get either a rude response and then they hang up, or they just hang up as soon as i answer. No matter what time i have called them back when they leave voicemails it never goes through or always goes to voicemail. I 'm to the point of worry every time the phone rings at this point, It 's harassment at this point.
I disputed an error on my credit reports called   XXXX   XXXX  . The debt is not mine. All  XXXX  credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me.   XXXX   XXXX   sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all   XXXX   of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.
Contract Callers ( A Georgia-based collections agency ) has been attempting to collect a debt of {$71.00} from me for over 6 Months now. They claim the debt was from XXXX XXXX XXXX, an electric utility, for an electricity bill from my account with XXXX XXXX XXXX. I have contacted XXXX XXXX, and paid the ammount XXXX times at this point. XXXX XXXX XXXX are recording a balance of XXXX on the account. I have explained this to Contract Callers multiple times, they have insisted I pay them, and they refuse to contact XXXX XXXX XXXX, to verify the payment has been made. They insist I send them the information by FAX ( nobody has a fax machine any more, people also stopped using Carrier Pidgon a while ago, and Contract callers refuses to use eMail ). They have thretend to file a record on my credit report ( even though there has never been any " Credit '', this is a utility bill ). When I contacted Contract callers, they also refused to tell me who their Government Regulator was, so I am unclear who to contact, to file a complaint.
My home mortgage had a starting balance of {$430000.00} XX/XX/XXXX. My monthly payment was paid through auto-deduct each month, on-time and was {$3100.00} ( principal- {$670.00} ; interest- {$1300.00}, and ; escrow- {$1100.00} XXXX. I refinanced and paid off this mortgage XX/XX/XXXX and Freedom provided the following payoff statement to my lender ( this was prior to receiving my XXXX payment, which resulted in a lower principal of {$420000.00} XXXX : Principal- {$430000.00} ; Accrued interest- {$4000.00} ; escrow advance- {$1100.00} ; unpaid late charges- {$250.00}, and ; recording fee- {$86.00}. The total payoff due was {$430000.00}. I have called Freedom multiple times to ask them to remove the late charges & recording fees and their reps said these should n't have been charged and are incorrect, but to my knowledge, they have n't been removed. Additionally, I asked for a breakdown of why they indicated {$4000.00} of accrued interest when my monthly interest is only {$1300.00} -- which means they collected over 3 months of interest at my closing. They said they would send me documents to support their figures and show an accounting of their figures, and how much I was owed back, and that I would receive these by XXXX, but I have not received them as of XXXX. I called them back XXXX and their message said their call volume is too high, so I would need to call back another time, and then it disconnected me. It seems to me that their accounting is erroneous, inaccurate and potentially fraudulent, and that they have no intention of correcting this, or giving the consumer any documents to refute their erroneous calculations.
I received a bill over 2 years ago from XXXX regarding a phone bill for service that was transferred to another carrier following my leaving employment with the company. I escalated the issue to a vp regarding the charges, they agreed that they were invalid and agreed to resolve. A family member contacted me today saying they had received an email from this company with a confidential matter. Why was it sent to a family member and not me? They exposed my mailing address and did not verify the account when I called in regarding this breach.
I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, 2017, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.
APG and associates collection agency continues to call family members and others no matter how remotely they are associated with me even though I have already spoken with them multiple times and given them my phone number, address and email address. They continue to claim that they are calling from a lawyers or mediation office and that there is action being taken against me. They refuse to identify themselves as a collection agency and continue with abusive and illegal collection practices. I have asked the agent, XXXX XXXX ( XXXX ), repeatedly to send me something in writing about the debt and they claim they will yet I have received nothing. I do n't even believe that APG is actually their company name. There is no website associated with the name APG of New York. I find it strange that I ca n't find any information about this business online anywhere. A search of their address brings me to another company called XXXX XXXX XXXX, XXXX. or XXXX which both have XXXX Alerts on them. Every tactic they use goes against the FDCPA.
I have an account with the Synchrony XXXX.  They offer no interest for a certain amount of time which I have used and paid the amount off within that time limit.  A flooring company used this card and I asked for XXXX year no interest which I had done before with a lessor amount charged.  In XXXX months I saw that the amount was due so I called the company and explained the XXXX year request and the representative of the company assured me that they would honor that and give me an additional XXXX months.  The next month I discovered that they had not and I owed more than the original charge when the XXXX month interest (30%) was added in.  I called back and the person I talked to and her supervisor said "tough luck".  They would not give me the extra XXXX months that the other had promised.  I would have paid it off if I had known I wouldn't have the extra time.
XXXX is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.
I have disputed an alleged debt reported by XXXX to all three credit bureau however each time Ive disputed the alleged debt all three bureaus have stated that XXXX has disagreed with dispute and therefore the alleged debt has remained on all three bureaus. XXXX  reporter to the bureaus that I opened and established a loan in XX/XX/2005 with them however I was not a college student. I asked the bureaus what form of verification did XXXX provide to them supporting the alleged debt however they were unable to confirm the documents. I also inquired from the bureaus is there any documents that I could give to confirm that I wasnt a college student and nor that I ever entered a loan agreement with XXXX. I also asked the bureaus if XXXX provided any original signed agreements supporting the alleged debt however I received no response, they were unable to provide that information. I am asking that the alleged debt of XXXX be removed from all three bureaus.