WillisBack/dataset-financial-user-claim huggingface dataset:
Have made several attempts to get monthly payment lowered due to limited income and being widowed for 2 years with XXXX children and XXXX having XXXX whom I have been staying home with. American education services and XXXX XXXX XXXX have been notified that i am unable to make the minimum monthly payment of $ XXXX and have informed me that there is nothing they can do to lower my payment. I am willing to pay a minimum monthly payment that I can afford since I am aware that I am responsible for this loan but unfortunately the amount they want paid monthly is out of my means. There has to be something that can be done for them to help but they claim there is n't. I do n't want the loan to go into default because again I am willing to pay my payments if they are income based of course but their unwillingness to work with me is extremely frustrating. I am currently getting collection calls for late payments but I 've explained the situation to them as well and we 've also conference called American education services to see if they can work with me but with no success. I have tried to pay what I can afford but the balance is still accumulating and it does n't make any difference to them. I am unsure of what I should do next.
I am receiving harassing and threatening telephone, and death threats from representatives from Stellar Recovery , Inc., in regards to an account that do n't belong to me and is the result of identity theft. I am a victim of identity theft and the account do n't belong to me.
I had or have an account with Capital One, a 360 Checking Account, account number XXXX, which had a balance of {$1400.00} as of XXXX/XXXX/17. I have called Capital One and emailed them in an effort to close my account, but Capital One has refused to close my account and has refused to pay me my balance. Further, Capital One closed my online access, and has refused to reinstate my online access so that I can get this account properly closed. I have lost the use of my money, and I have been cut off from access to my account.
This letter is to advise that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Practices Act, 15 USC 1692g Sec.809 ( b ) that your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the above named title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

A computer printout from your company of the alleged debt does not constitute a copy of such verification and or judgment as required by the Fair Debt Collection Practices Act. You will authenticate the debt by providing me with copies of the original paperwork and or court ordered judgment that is valid. I am also requesting validation in the form of a copy of the original contract baring my signature made by me that states I have contractual obligation to pay you, At this time I will also inform you that if your office have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, XXXX ) This action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit reports by your company or the company you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or validated. You are also required by law to provide with a copy of the original signed contract. If your office fail receipt, all reference to this account must be deleted and completely removed from my credit file and a copy of such deletion request be sent to me immediately. 

Best Regards,
It appears that a bank officer with wells fargo has assisted to strengthen the position of one person over another on a commercial account involving my LLC. I am in a 50 % ownership position with another shareholder of whom I am currently in conflict with. The other partner used her contact with an internal officer of the bank to have me removed from our commercial account. The intent appears to be to allow the other shareholder to take a stronger position and to fraudulently remove the need to have 2 signatures on the account in order to cash a large check made out to our LLC. concerning the sale of real property owned by our LLC. 

The additional intent was clearly so that I could not perform checks and balances on the commercial LLC accounting of funds being used. It has since come to my attention that there might be a co-conspiracy to assist the other partner allowing them to cash a check normally requiring 2 signatures and positioning her intentionally to avoid my signature requirement to gain 100 % access to the funds. 

Wells fargo has removed me as a Signator to insure that I can not access bank statements on my account to see what is happening with my account. I was told by one internal Wells Fargo employee that this appeared to be criminal. 

It also came to my attention that another account was created with a separate institution where transfers were being made from the Wells Fargo account to another financial institution which appears to be another hiding place for funds from the LLC This has handicapped my business role within the LLC. Wells Fargo should not be allowed to interfere with my access to an account that I hold a 50 % ownership in. Bank policies appear to be based on personal relationship more than legal access.
I am showing a 30-day late payment on all my credit files for an account at XXXX. The late payment shows XXXX 2014. However, I have been enrolled in automatic payments with XXXX since XX/XX/2014. SEE attached letter from XXXX. This error is on XXXX, not me. I have never had a late payment. PLEASE DELETE A 30-day Late Payment.
I have been making regular payments to Merrill Lynch since the inception of my loan back in XXXX. In the XXXX - XXXX time period Merrill Lynch voluntarily paid my ad valorem taxes. The first time this took place I simply paid in a lump sum of over {$21000.00} to pay them back. The second time they began to charge me escrow payments of approximately $ XXXX/month which was fine with me. However they misapplied the phone several times. There were times when they told me a payment was not due and they would return funds to me. This confusion cause them to miss appropriate payments in such a way that they turned me and to the credit bureau for making late payments, however I followed their instructions the entire time. For example in XXXX of XXXX I made XXXX payments in one month at their request. In XXXX I also made XXXX payments at their request so I should 've been " ahead ''. Additionally in XXXX I made them a payment of {$21000.00} to pay for the taxes they had paid. Also during XXXX they applied a payment into a suspense account rather than as a XXXX payment. I spoke with them in XXXX and made XXXX more payments. They told me I forgot to make a XXXX payment and at first I assumed perhaps they were correct until I went back and checked my records. I had made XXXX payments in XXXX and they applied XXXX to a suspense account - perhaps because the XXXX payment was not technically do yet I am not sure. I sent them detailed information explaining that their error in reporting to the credit bureau has caused my credit score to be reduced to a point that I can not refinance my home. I received a brief letter saying that they had done their research and felt like they were correct. This is causing me a major problem. Nobody will refinance my house with this credit score of XXXX. I have been told by a credit consultants that the Merrill Lynch blemish is causing my score to be reduced by XXXX to XXXX points. what is the most frustrating part, is nobody will explain exactly where they think I have missed a payment. They simply asked me to produce a copy of my credit report and information on why it needed to be corrected.
Respected Sir/ Madam, I am exploring the possibilities for financing my daughter 's XXXX education with private loan from bank. I am in the XXXX on XXXX visa. My daughter is on XXXX dependent visa. As a result, she is considered as international student. I am waiting in the Green Card ( Permanent Residency ) line for last several years. 

I checked with Discover, XXXX XXXX websites. While they allow international students to apply for loan, they need cosigners who are either US citizens or Permanent Residents. I feel that this is unfair. I had been given mortgage and car loans in the past which I closed successfully. I have good financial history. I think I should be allowed to remain cosigner on the student loan. I would be much obliged if you could look into it. Thanking you in advance. Best Regards
In XXXX of 2016 XXXX charged my acciunt for a transation they claim I made in XXXX. I immediately filed a dispute with mmy bank ( CHASE ) They provided me with a credit, Today ( XXXX/XXXX/16 ) I wake up to an account in the negative by more than {$160.00} because CHASE took the credit back claiming XXXX would not give them back the money and that it was past the dispute perod anyway & gt ; So a merchant cqan process a FAKE transaction and as long as they back date it the consumer has ZERO protection? I have XXXX XXXX I need every dollar I have to survive
Chase Bank charged my account for three overdraft fees totaling {$100.00} when I had enough funds to cover all posted debits, except for one. I think I should be refunded {$68.00} dollars. These transaction occurred on XX/XX/2018. As I review, all debits were covered except for check XXXX, which did not post until the following day.
Toyoyta financial Is charging of my account for XXXX for a 2015 toyoyta Camry that was a total lose due to a crash the XXXX XXXX XXXX insurance company along with gap insurance company payed off My account
On XXXX XXXX I received a credit score from TransUnion indicating my credit score was XXXX. I also received from TransUnion documentation that a civil judgement ( docket # XXXX ) from XXXX XXXX Court had been deleted per my disputed item request. Shortly thereafter I enrolled in the TranUnion credit monitoring program for {$11.00} for a fee of {$11.00} monthly. 
On XXXX XXXX I learned from XXXX different loan processing companies that the above item was reflected on my credit file and that my credit score was XXXX ( XXXX ) as opposed to ( XXXX ) XXXX. After I spoke to a TransUnion representative he assured me the item was not on my credit file and agreed to send me a copy of my credit report. XXXX of the loan processors called me back later on the XXXX and said it was " weird '' that the above item was now not showing on my file but my credit score remained the same. Since then i have learned that my credit score is still reflecting XXXX despite the fact that XXXX more account is reflected as paid and no other derogatory ( derog ) marks have been added to my file as of this writing or within the 30 days since receiving the XXXX score. 
In conclusion, it appears to me that TransUnion reinserted the removed item at one point and may or may not have removed the item despite me previously proving the item to have been satisfied thus the deleted notice from TransUnion. It also appears that TransUnion did so maliciously because I cancelled my subscription with the company. Apparently, based on the options provided by CFPB, this is not the first time credit reporting agencies have reinserted previously deleted items onto consumer 's credit files.
My name is XXXX XXXX. I am a XXXX Consumer from California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX Txt Stop To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before XXXX is not allowed. 

This complaint also involves the parent company LDF Holding LLC.
While monitoring my credit reports I found several fraudulent inquiries on XXXX XXXX, Equifax, and XXXX. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX CA. This is despite the fact at the time I had a valid XXXX account in my home in Washington, which had been active for years. Needless to say I no longer use XXXX.

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted XXXX XXXX, Equifax, and XXXX  to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX XXXX and one other creditor honored my request and removed the fraudulent inquiry.

The majority of the fraudulent accounts were initiated with a XXXX  CA address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case.

Months later XXXX   discontinued my service and claimed I owed them over {$900.00} for service in XXXX  CA. I explained to them that I contacted their office in XX/XX/XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX correct this issue, I filed a complaint with the PA Attorney General. XXXX eventually apologized and removed the collection from my reports.

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed. XXXX XXXX fraudulent inquires : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  fraudulent inquiries : XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX  XX/XX/XXXX XXXX   fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Please note, I currently have an active XXXX XXXX  Card and an active XXXX XXXX Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

Thank you.
This complaint is against Bank of America. My home is in  XXXX , FL. I opened both a checking and savings account with Bank of America in   XXXX  . A person from the Bank of America called me about 5 days from    XXXX   XXXX   info rming me that the bank was in the process of closing my account. I assumed that the account was being closed that day. I have no knowledge of what state the person was calling from. On   XXXX   XXXX   my federal income tax c heck ( {$4300.00} ) was  directly deposited into my checking account.   However, this is the problem. I have no idea what or how this happened, but my savings account got to be overdrawn by over  XXXX  dollars. This happened long before because Bank of America had been calling me about that overdraft. I told them before that I did not try and cash any checks totaling that amount of money. I just learned that it was  XXXX  checks cashed. Bank of America stated that they were investigating this, but they refuse to allow me to withdraw my tax refund. This compliant was set into motion before   XXXX   XXXX  . They ask that I give them 45 days to have this investigated. It has been over 45 days and now they are telling me that they need 60 days.   This is not fair nor is this right. I need my money and Bank of America has been hedging and hesitating.   Can this office do anything about this situation?
XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Experian reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. XXXX is unreachable. It bankrupted in XXXX and the phone number Experian gives us does not provide any way to access anyone. Below is a copy of the document we sent which includes information we have sent multiple times to Experian
I was shocked when reviewing my credit report and found late payments on the dates below : XX/XX/XXXX-XX/XX/2018 I showed payments made in those months and requested statements proving that. I have not gotten any responses from Honda.
I have disputed public record items with LexisNexis. Their response was incomplete. I requested the method of verification and the procedure used to determine the accuracy of the items. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.
I decided to put a freeze on all three of my credit reports. I received a letter from my loan organization, XXXX XXXX Bank, with the 3 web addresses listed on them to freeze my files. I did XXXX and XXXX first, which was so simple I could n't believe it. When I went to TransUnion 's web site, www.transunion.com, I went to the left bottom of the page where it had a link " TU Credit Lock. '' Having done it twice already on the previous 2 credit sites, I proceeded to put in my information. Well, on the right side of the page, in a block that is not very large, it says " You have chosen Credit Monitoring for {$19.00} per month. '' Why it did not say this on the very blocks where I was filling out my information instead of on the side of the page, I do not know. Or yes, I do know - TransUnion is tricking people. You think you are putting a lock on your credit report but you are really subscribing to this credit monitoring service. So when I did n't get a PIN number at the end like I did for the previous 2 sites I went into to lock my credit, I called TransUnion and found out that I subscribed to this service. They cancelled it for me, but of course, I HAD TO PAY FOR THIS MONTH. TransUnion is ripping people off with this method. They are tricking people. The other 2 sites are so simple to use. TransUnion should be ashamed of the way they do business. If the link had said " Credit Monitoring Service '' I never would have clicked on it. But it said " TU Credit Lock '' and that 's what I THOUGHT I WAS DOING. DECEIVING!!!!
My mother died in XXXX XXXX but XXXX XXXX XXXX forge my mothers name in XXXX XXXX, XXXX had it notarized and everything for a home loan modification. Soon as I saw the signature I knew it was n't my mothers and I knew it was fraud. And now they put my house in foreclosure and trying to foreclose on my house this is wrong this is a crime and this is against the law. Ditech financial is the mortgage service company.
aqbout two years ago i cancelled XXXX because every time they were in a negotiaition -they would cancel the station until they got there way -when i thouht it was all done it syarted to recieve monthly bill for a service that i had cancelled -i called them and thought i had all straightened out. then about 4 or 5 months later the XXXX of XXXX collection agencies contacted me -the XXXX agencies said ( after i explained that i need an itemized bill, so i can determine that this bill was legitamate ) said that i would nt here from them again -the XXXX collection company called afni reported me to the credit reporting companies and damaged my credit score - if they had sent me an itemized bill and i felt that i owed, it would have been paid imediatly -however no one has done this for me
I had already submitted a complaint on this company and you were able to have them take back the account or however they decided to deal with it and I have been making payments. This is after speaking to a Supervisor and she saw that what had transpired was incorrect prior to my reporting to you. So she decided that I should just call in with the payment ( she did not give me a specific amt because of what had happened, I was just going to pay until it was done ) I made 3 payments before and called in with my fourth today. 
However, today XX/XX/18 I called XXXX XXXX XXXX, the number I was told to call and make the payments ( I have already made payments with them ) the person answering the phone operator XXXX XXXX XXXX, told me that I could not. 
She kept on looking at the old information and telling me its with an outside collector ( I AGAIN, if it is was not advised, the same reason I had to complain before ). She claimed to have gone and checked and came back saying that I have to make the entire payment TODAY, in order for her to take the payment.. 

SHE DID NOT TAKE THE PAYMENT SO NOW i HAVE NOT PAID AND i DO NOT KNOW THE STATUS OF THE ACCOUNT BECAUSE OF THE AMBIGUITY WITH THE EMPLOYEES.
I have a mortgage that is being serviced by Bayview loan servicing. I am not late, or behind on payments, but every month they start calling about the payment. Today is X/X/2017. The payment is not considered late until after XX/XX/XXXX, and I mailed them a check last week, so it will get there way before XX/XX/XXXX. So far today they have called me 7 times from 3 different phone numbers, and it is only XXXX XXXX. They are harassing me, and I am sick of it. The calls start early in the morning, and continue throughout the day. They are acting like I am in default, and I am not. My payment has been made every month, but they do this to me every month, and I have been paying on this loan for over ten years. They really know how to XXXX XXXX a good customer. I would refinance, but the loan has very good terms. ( They did not originate it. They took it over from XXXX ) I want them to stop calling me like this, and I told them so. The calls only increased after that. These calls are causing me stress, and anger. I do n't think they should be able to call and harass me like this when I am not late on my payments to them.
XXXX XXXX XXXX filed a Garnishment in XXXX  XXXX in which I do not live in XXXX XXXX at the time filed. My past employee was XXXX  XXXX in which I work for when I lived in XXXX XXXX. Also I lived in PA for over 3 years in which a Garnishment is not vaild unless owed for Residential lease, Restitution for a crime, Owed Student Loans or Income Taxes, or State Taxes. Title III of the consumer Credit Protection act. Ronald Reynolds File in XXXX XXXX as if I work in XXXX XXXX and a resident at the time of filing in which bi was not giving a notice to after all the court papers was filed.