WillisBack/dataset-financial-user-claim huggingface dataset:
In the month of XXXX I got paid 3 times. I called and requested the XXXX payment in XXXX stopped so that I was not making XXXX payments that month. When I resumed my {$900.00} payments in XXXX instead of taking out {$900.00} each paycheck kthey took out {$1000.00} for that 2 week period. When I called them they advised me it was set up incorrect and that they wuld correct it. This is exactly what happened last year when I did this. Why ca n't this company get this right?
On XX/XX/XXXX I met with XXXX XXXX XXXX at the XXXX XXXX main branch located at XXXX XXXX XXXX XXXX. The meeting was to discuss issues with my accounts and some errors that occurred. I indicated that I was told by the banker that opened my account that my personal & business accounts were free due to my veteran status. It was at this time that my account was signed up for a debit card, checking account, and paperless statements. 

Account ending in XXXX was charged off on XX/XX/XXXX for an amount of XXXX of which XXXX was a charged off account fee and XXXX was " monthly maintenance fee ''. XXXX XXXX stated that " This was not an appropriate account due to my veteran status I should have had a " Platinum Money Market Account '' ( Consumer Pricing agreement attached ) This account came with no fee. She stated that " it is not necessary for a banker to ask every customer if they are a veteran. '' My bank statements confirm my customer segment as " Military ''. XXXX was unable to determine why I was charged a fee. I indicated that I expected the account re-opened and the fees waived as I qualified for a much better product that was more appropriate. 

Account ending in XXXX was charged off on XX/XX/31 for an amount of XXXX of which {$30.00} was " charged off account fee and {$15.00} was " paper statement fee '' I indicated this was incorrect as numerous statements i have received in the past showed a fee posted and credit back on the same day. XXXX was unable to provide satisfactory explanation for the situation. The attached document shows no monthly fee for the account. 

I spoke with XXXX XXXX on XX/XX/XXXX she indicated that the fees for the above mentioned accounts were waived. There was no explanation given as to the cause of the fees. She further indicated that US Bank would not be re-opening the accounts. I confirmed with her that even though US bank had grossly erred in charging me fees that were incorrect, and the negligence by the bank that caused me to be in an inappropriate account they would not be rectifying the issue. She confirmed and the phone call was ended.
I filed a dispute in XX/XX/XXXX it is not XX/XX/XXXX this is disbute is for {$160.00} that was used while I was in XXXX they say I swiped my card for tickets at the XXXX XXXX ticket stand in XXXX XXXX I am treated rudely every time I call and inquire on my disbute
Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.
m disturbed that XXXX and Experian are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.
The account that is being collected from a XXXX XXXX XXXX from the advanced collection Bureau in the amount of {$480.00} is not my debt. I did not have services with this company and ask that this false information be removed from my credit report immediately.
XXXX XXXX XXXX represents Midland Funding , LLC. They filed for a judgement against me XXXX XXXX, XXXX. We filed an exemption claim notice with them because most of our income is from Social Security, we did this on XXXX XXXX, XXXX. My total income is {$900.00} a month, out of which I pay {$74.00} a month for a supplemental health insurance payment. This debt is in my name only, my husband has nothing to do with it. 

I filed a cease and desist with them on XXXX XXXX, XXXX. I have never retracted that Cease and Desist, consequently, they have not contacted me by phone, up until this last week. I have received a phone call from XXXX XXXX XXXX, at XXXX XXXX, on XXXX XXXX. I did not catch the women 's name that called, but she was calling to collect on this debt. I have a photo of my caller ID with the date and time of this call from a representative from XXXX XXXX XXXX. The phone number listed is XXXX. 

It is my understanding that once a Cease and Desist order is in place it is unlawful for them to contact me by phone.
My mortgage was transferred from XXXX XXXX XXXX XXXX to Specialized Loan Servicing ( SLS ). During the transfer my account was labeled as being in " Bankruptcy '' and therefore my payments submitted to SLS have been returned. My account is NOT in bankruptcy, I have been current with all monthly payments, and there are no negative reports of late payments or past due charges. I have tried for three weeks to have SLS remove the bankruptcy status on my account so I may submit payments.
Old Navy Credit Card has been charging a monthly minimum payment lets say of {$50.00} per month. Over the past year of payments of making no less than the minimum amount owed the balance for cash advances has increased {$37.00}. A portion of my minimum payment each month comes from these cash advances ( lets say {$8.00} ) and when making the minimum monthly payment only ( {$3.00} ) is being applied to that balance, hence the increase in the balance. This includes instances in which I have paid more than the minimum monthly payment on the account.
I had submitted a complaint : Case number : XXXX regarding XXXX XXXX XXXX Account number XXXX. Equifax responded " Equifax has reviewed the complaint and its records. The disputed XXXX XXXX XXXX Account number XXXX account is currently not reporting on the credit file. Written confirmation was mailed on XXXX/XXXX/15. " A review of my Equifax credit report on XXXX/XXXX/2015 reveals that Equifax continues to report this account with payment history of " Unknown XXXX XXXX Days Late ''
First, the debt collector never told me this was an attempted to collect a debt. I have been hit hard with medical bills due to multiple XXXX XXXX, and my son being born XXXX. Due to baby 's XXXX, I can not work so it is just my husband 's income coming in. I was then asked how I manage to pay my bills. I disclosed my parent 's are assisting. Then she asked about the baby 's father. This is personal information and I told her that is not something I wish to discuss. She pressed the issue further asking me if he works and why he ca n't pay the bills. I once again told her that is personal. She then asked why I was n't on government assistance if I ca n't pay my bill, which is over {$6000.00}. I told her that I do n't plan to live off of the government if i do n't have to and I am not going on assistance just to pay this XXXX bill. They already knew the situation and had sent out a financial assistance application just the week before. I asked for a manager who stated that she has the right to know my personal information including information on the father of my child, even though this medical bills are mine, not my husband 's or my child 's. They then said if I do n't get my financial assistance application in this week that they will send the bills to court to get a judgement out against me. On top of everything else, they call up to XXXX 7 times a day from different numbers. When I pick up, they hang up. They never leave a message. The intrusion into my personal relationships and my life are not welcomed and continued even after I explained they were not something I wanted to talk about. I do what I need to do to make sure my children are fed. They do n't need to know how I manage to feed my children or imply that I can not. I know others who have had similar situations with this company and it needs to stop. I understand they are doing a job, but I have worked collections myself and know that this is unacceptable behavior.
Apparently for some reason, RentDebt Automated Collection. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the   XXXX   major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed.
I disputed this account back on  XX/XX/XXXX on my  XXXX ,  XXXX  and  XXXX  credit reports to no avail.   XXXX   XXXX   XXXX  . continues to ignore my requests and they continue to ignore my consumer rights.
I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted.
Who verified this account? What documents did they use to verify? Where are the documents used to verify? I have yet to receive anything within the allotted timeframe which is a violation of the FCRA..
In the US Law Encyclopedia, A  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that RentDebt Automated Collections. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request.   XXXX   XXXX   XXXX   is blatantly disregarding the law.
XX/XX/XXXX XX/XX/2018. Mortgage Vankeef Financial LLC. XXXX XXXX. 
We have requested that Vankeef Financial reimburse our appraisal fee, which they authorized. We had questioned them about paying an appraisal fee twice. The first time they assured us that the loan was approved and need to move forward with appraisal. It was not approved. They claim they needed more employment history from spouse.Who has been working for the Dept. Of DOE for approximately 6 years. They stalled our loan process and requested to order another appraisal. I informed them to make sure the loan was indeed secured. He assured again. I then asked him again ( Rep ) to make sure it was approved. They said it was. We ordered it and paid over {$700.00}. They appraisal value came at more than what Vankeef Finaincial anticipated. Good right? Wrong. They said that they could not confirm spouses employment and that the HR was not returning their calls. 

We told them, we initially we provided them with spouse XXXX, check stubs and tax returns. Why is that not confirmation enough to get the Loan? When another ( prior ) Mortgage Co approved our application, but had a higher interest and closing cost rate. 

We asked Vankeef Financial for full reimbursement of our Appraisal fee, because they ordered it, but was denied and said '' Because the appraisal fee ( they ordered us to pay ) was paid to the Appraisal Company, unfortunately we can not reimburse your appraisal '' ... ... .. We have filed complaints with various agencies and the XXXX
Dear XXXX File Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how its affecting my ability to work etc. 

Sincerely,
I began mortgage rate shopping on XX/XX/XXXX for both a refinance and a new home purchase. Between XX/XX/XXXX and XX/XX/XXXX, I rate-shopped with approximately 5 lenders, who all made hard inquires into my credit reports. I chose a lender and refinanced my current home. There was an issue with this lender and I had to find a new one, and began rate shopping again on XX/XX/XXXX, with an approximate additional 5 lenders, and stopped on XX/XX/XXXX when I settled with a new lender. 

Each of these lenders assured me that rate shopping would not hurt my credit score because, as it says on CFPB 's website, " within a 45 day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry ... you can shop around and get multiple pre-approvals and official Loan Estimates '' ( https :  //www.consumerfinance.gov/XXXX  ). 

My credit score has dropped approximately 30 points on Transunion, XXXX, and XXXX  as a result of these hard inquires. When I called Transunion and XXXX, both of the representatives told me that CFPB 's information is wrong, and that my score will decrease each time a hard inquiry is pulled.
I opened a Bank of America BUSINESS checking account ( XXXX XXXX XXXX ) for the express purpose to deposit my rental income checks from XXXX XXXX XXXX XXXX XXXX XXXX ( which is the property management company that manages my rental properties. ) I was told by the Bank Manager that I would have access to those funds the same day, that I deposited my check. Today, I could not use my debit card. I checked online to discover I did not have a penny of those funds available to me. Bank Mgr tells me a HOLD was placed on this check until XX/XX/XXXX! He said any checks written will BOUNCE!!! WHO incurs all the NSF & Bounced Check Fees?
I make my minimum payment each month around the XX/XX/XXXX. Then I make a follow up payment to pay down the principle. 

My extra principle payments have not been going to principle, they are still taking a percentage out to go towards interest. I do n't believe this practice is legal. I understand if I pay the interest on my first/minimum payment, but all subsequent payments should be going towards principle and they are not. 

The attached picture highlights the additional payments towards principle and the interest that was taken out of those principle payments.
On XX/XX/2016 my XXXX XXXX School was to partner with XXXX XXXX and XXXX XXXX from Academy Mortgage to offer a 3 hour continuing education course for XXXX called XXXX at their office located at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, AZ. We agreed Academy would pay a {$100.00} sponsorship fee ( which included a {$50.00} discount for hosting the class ) in addition to attendees paying {$20.00} per ticket via our registration website on eventbrite at XXXX. On the day of the class we had XXXX people attend who did not pay and XXXX people who did pay and could not figure out how this possibly happened. We taught all of them, and had to provide continuing education certificates regardless of if they paid to attend or not. We also tried to collect the {$20.00} fee after class from unpaid attendees and were unable to collect payment after the fact from XXXX students. We later found out Academy Mortgage had fraudulently reproduced a similar registration site on eventbrite.com with our school information and sold FREE tickets to our event without our knowledge or permission. The course they sold free tickets for is the intellectual property of my XXXX XXXX School. We learned this information from XXXX XXXX who sent us copies of their free tickets from Academy Mortgage and we had to honor ( copies of tickets attached ). At the time of the class Academy also invited XXXX additional sponsors to participate without any prior knowledge or permission from our School. I learned XXXX of the sponsors was with XXXX XXXX XXXX XXXX and another was with an insurance company but I was never able to identify which one. XXXX XXXX XXXX XXXX was sent an invoice for sponsorship which they paid promptly. Academy Mortgage refused to pay the invoice for sponsorship they agreed to XXXX XXXX, 2016 and offered XXXX agents a free benefit while allowing XXXX others to pay which is not fair. Both XXXX and XXXX acknowledged the {$20.00} fee in an email attached on XXXX XXXX, 2016. When XXXX XXXX and XXXX XXXX were confronted with this information, I was asked to speak with their supervisor XXXX XXXX. During our phone call when presented with the aforementioned information I was hung up on. I tried to collect the debt from Academy Mortgage numerous times unsuccessfully and they are still actively promoting XXXX classes. I do not want this harm to ever happen to any other persons and hope Academy Mortgage along with XXXX XXXX, XXXX XXXX, and XXXX XXXX will be held accountable for their blatantly fraudulent activities.
Chase Bank Mortgage Co. isn't reporting my house payments for over 6 years. I sent them the reaffirmation documents for my Discharge of Bankruptcy. No one want to take care of my needs.
I have disputed account # XXXX with AFNI on XX/XX/2016 and sent my dispute certified mail requesting validation of this debt. AFNI failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XX/XX/2016 and I have not heard back from AFNI, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, i will take legal action.
When applying for a continuation of a Home Equity Loan with my bank I was told that there was a lien from 1992 that held the first position of encumbrance. This deed of trust has been released but seems to not been recorded properly and is thus showing up even after years of having refinancing and a previous loan from my bank 10 years ago. I even visited the courthouse and Md Land Records and could not get help on what to do to repair this.
I applied for a loan through Prosper after being pre approved via XXXX XXXX. I began the application, but decided to hold off. They sent me numerous emails asking me to finish the application. 

I received one email per day starting on XX/XX/XXXX. On XX/XX/XXXX I decided to take the offer. They required one piece of documentation after the application and funds were approved ; proof of income. 

However, their process of acquiring that proof appears to be either arbitrary, or nefarious. The only option given is to submit a pay stub. My employer, however, does not provide me with that. He just writes me a check. I am a XXXX XXXX. So, I submitted the most recent check I had. 

I received a phone call today, XX/XX/XXXX, stating that they needed a pay stub, not a check. I asked what information they would need since my employer does not provide a pay stub. I found it irrelevant how the information was given, provided that they had the information. However, the woman made it clear she was not going to give anything anyway and that I had to submit a pay stub and they would not accept anything else. 

So, I submitted a pay stub with the following information : Employer name, address, tax ID #, and phone number ; my social security number, address, phone number ; the check number and paid date ; federal, state, local, social security and XXXX withholdings ; gross and net pay. 

She denied the document citing " the information was inappropriate, '' and not clarifying beyond that. I called back and talked to another individual. When I pressed on why they are so coy about what information they require of me to prove I have an income she said, " if we tell you what information we need, then you'll just give us that, '' as if that is nefarious and an individual has to guess what they're looking for or lose out on the loan. 

If they need information to prove my income, then they need to let me know what that information is beyond a " pay stub, '' since I provided that and they deemed it " inappropriate. '' The agent appears to want the information in some arbitrary format that nobody at Prosper is willing to disclose. The institution needs to simply review and verify what I have given them to see that I do, in fact, have an income. Their unwillingness to do so, I believe, is discriminatory and intentionally deceptive.
Alliant Capital Management calls and threatens legal action on a debt they say that I owe. I have never received anything in writing from them to clarify what the account is and what the balance is that I owe. I asked for a statement months ago and still have not gotten one.