WillisBack/dataset-financial-user-claim huggingface dataset:
Which of these best describes your issue? 
Did not receive notice of right to disputeDescribe what happened so we can understand the issue ... 

On XXXX XXXX I spoke with XXXX XXXX Banks at American Collection Services with regard to a debt from XXXX. We worked out a settlement amount and I set up payment using my debit card. By XXXX XXXX I noticed the payment was never taken so I called in. The next day XXXX called back and said there was a system error and all of my payment information was lost and he simply did n't know. I set up payment again. This time I thought the settlement was higher but did not want to press the issue so I said fine and gave the checking info from my commercial account. On XX/XX/2015 I called XXXX to re-enroll and was told I still had an outstanding debt and gave the number to XXXX Banks. At this time I could not enroll. I left a message for XXXX Banks yet again. On XX/XX/2015 he called back and this time was very aggressive. I was making the call to work out payment yet again but he only wanted to argue why the last payments did n't process. I continued to say if the calls are recorded simply pull the recording. I just want this resolved as I have initiated every single communication and it has yet to be rectified. I became increasingly frusterated with the dead end conversation and requested a manager. He put on XXXX XXXX who identified himself as the person who handles litigation. I asked if he was an attorney he said, " I take care of asset, garnishments, and litigation ''. I asked if he was an attorney registered with the XXXX he replied, " No just a paralegal '' his tone then changed. We XXXX agreed that the communication was poor and when we began to speak of settlement he said he did not see XXXX and could not offer XXXX. I explained that I had an email XX/XX/2015 that shows a settlement offer that they failed to take twice and asked him to pull the recordings and the email. He stated that I would have to have legal injunction to access any recordings of the calls and if I filed a complaint it was no big deal because it is a simple form he fills out to answer and the complaints are not taken seriously anyways. If I did not like paying him I could contact XXXX directly. I am hesitant to pay a company that offers a settlement and loses my payment information, then charges more, fails to take the money a second time, and NEVER even once attempts to make contact. I have never received an initial dunning notice by mail only a settlement offer by email. I am now in a situation where I can not enroll back into my MPA due to this companies inability to process payment despite my repeated attempts. XXXX made a point to say any complaints that come through he will simply use a form add names to the blanks and mark it as frivolous. Please I encourage management and the CFPB to pull call recordings. Clearly this company and its staff have very little regard for the CFPB and do not take its authority seriously. I simply wanted to pay a bill. At this time I have made contact with XXXX in hopes they will be able to process a payment.
This company stated they have attempted to send my records to validate my debt and I have received nothing in relation to this collection. One Advantage LLC is a third party and having medical records is a violation to my HIPPA rights.   I am allowed under th e Health Insurance Portability and Accountability Act ( HIPAA ) t o protect my privacy and medical records from third parties. I do not give any provider permission to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore I request my release of HIPAA authorization.
Discover card is informing customers that when they do a balance transfer in addition to normal purchases "... minimum payments are applied to balances with lower annual percentage rates first. Any amount paid above the minimum payment will generally be applied to balances with higher APRs. '' However, they are also not accurately relaying " If you usually pay for purchases in full each month to avoid interest, transferring a balance will change that.You will be charged interest on purchases unless you choose to pay your entire balance in full, including any transferred balances, by the first payment due date. '' So, what is happening is a customer will pay their minimum payment plus their entire purchases balance, but Discover will still charge them interest on that purchase balance, one that has just been reduced to {$0.00}. 
I do n't believe it is fair to charge people interest on a balance they have reduced to {$0.00} for that statement. 
An example {$10000.00} balance transfer with 0 % promo APR. Normal purchase APR of XXXX % ( for simplicity ). If a person makes {$1000.00} in purchases and has a minimum payment of {$200.00} for that month, and then they pay {$1200.00}, they will have a {$9800.00} balance remaining on the balance transfer, {$0.00} on their purchases balance, but Discover will still charge them {$100.00} ( 10 % ) for the {$1000.00} in purchases. 

It ca n't be right for people to be charged interest on a balance that is being reduced to {$0.00} on time and never carried over into another billing cycle. My situation was taken care of ( {$20.00} refunded. I caught it quickly ), but people need to be better warned when taking on a balance transfer. What if someone made a massive purchase with a high APR expecting to pay it off that same month when they had a balance transfer balance? They 'd get hit with instantly accruing interest not even accruing over at the billing cycle.
I recently received several letters from a company called NAVIENT. the letters state that I now have student loans with them. I called to inquire using the account number on the letter. I asked what these loans were but the representative and supervisor could not validate these loans. they have no promissory note nor my correct date of birth. they asked me to send them copies of my social security card and drivers license. I do n't own these loans and I have no idea who or what this is about.
An inquiry dated XXXX XXXX, 2016 is reporting on my credit report. I did not authorize anyone employed by Springleaf Financial Service to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the company and I 've never received a response or proper resolution
I have a XXXX " Charge Off '' on my Experian credit report that 's allegedly due to expire in XXXX XXXX. This is wrong, my charge off was first reported to Experian in XXXX XXXX. Now that this is XXXX XXXX, as required by law, 7 years have now passed and It needs to come off my credit report. Please have this removed from my credit report ASAP. How can Experian credit agency be so far off with their data. I have called XXXX many, many times about this issue and they do n't even have this account number in their database. 

XXXX has my XXXX credit report listed correctly. I have included a copy of my XXXX credit report, dated yesterday, XXXX XXXX, XXXX, as you can see, there is no negative activity listed. 
Thank you, XXXX XXXX XXXX XXXX cell
Sometime in 2009, my mortgage was with SunTrust and my monthly payments increased due to rising insurance costs. I requested a loan modification and was told I had to be in the foreclosure process in order to be considered for the modification program. So I asked the operator what other suggestions she had as I could not afford the monthly payments. Eventually I fell behind, I was granted the modification. Only, my monthly payment difference was a minuscule change. I can not remember exact amounts. I was given a subordinate mortgage to cover late fees, interest and lawyer fees for the foreclosure process. I am curious to know how they arrived at the {$17000.00} amount for this loan. XXXX XXXX is the servicer now and can not provide the details, as they do not have it. I have requested the information from SunTrust three times to no avail. The loan modification was totally unfair as I fell into the foreclosure process AGAIN the following year. Attorney fees were only {$1200.00}. I also went to court for the matter and not one of your reps appeared ... .only to find out later my file was sold XXXX times and starting the loan modification process all over again and have another {$40000.00} added to my loan amount.
Credit card company ignored exhibits I submitted as evidence of my dispute with merchant, their on line dispute platform failed to upload documents I submitted as evidence of my dispute. I had to reload documents after confirming with them that documents were not uploaded as their online platform relating false and incorrect data. 
The credit card company advised me of was an arbitration procedure which they refused to excercise and allow me the opportunity defend my dispute with the merchant. Included with this process the credit card company also failed to provide me with any exhibits they were provided by the merchant as a part of the dispute process. I have requested those exhibits which they have failed to provide as required. 

I was told by their billing dispute Dept that they would not accept exhibits from me in audio format from recordings I had provided them as evidence to support my dispute claim. They rejected my audio files and indicated to me that I would need to provide transcripts in pdf format of those files if I was submitting them with my claim dispute I provided those files and they ignored them as is evident by their dispute resolution result. 
I was also told that any pics previously submitted to support my claim even if submitted in pdf format would not be considered.
According to my XXXX I previously had a XXXX account reporting on Trans Union Credit Bureau that was deleted. I just check my credit reports this morning and XXXX is reporting again. This seem to be a constant battle that consumers have to go through. It should be a law established that once a item is deleted it should remain off the credit bureau report.
Suntrust sent me a letter dated XXXX/XXXX/2016 that it would request that invalid inquiries in XXXX 2016 be removed by XXXX. 
I contacted XXXX and the rep says there is no record of any request from Suntrust. 
Suntrust checked my credit 3 times in XXXX and XXXX time in XXXX for my mortgage application of XXXX 2016.
On XXXX XXXX, XX/XX/2013 I applied for a mortgage loan with The Huntington National Bank. Mortgage Loan # XXXX. I was pre-approved for a XXXX year conventional loan at 4.375 %. On XXXX XXXX, XX/XX/2013 my loan was approved and I locked in an interest rate of 4.75 %. The rate lock expired on XXXX XXXX, XX/XX/2013 and the mortgage rates subsequently decreased. As the rate of 4.75 % had expired and new rates were lower I asked XXXX XXXX ( NMLS ID : XXXX ) as ( XXXX ) XXXX to give me the new lower rate but she refused. I closed on my property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) on XXXX XXXXXX/XX/2013. Is this legal? What are my rights? I wish to file a formal complaint and have CFBP and any other governmental agency with jurisdiction to begin an investigation into this matter. I have mailed your a hard copy of the pre-approval letter as well as the approval letter for your review. 
Sincerely, XXXX XXXX ( mobile ) XXXXXXXXXXXX
Enhanced Recovery Company , LLC, says that I owe a XXXX bill for {$220.00}. I paid XXXX {$150.00} on XX/XX/XXXX as a " Settled in Full '' Now they are saying and also reporting on my credit report, that I owe an additional {$220.00} and when I called on XX/XX/XXXX, I spoke with XXXX representatives and they are unwilling/unable to assist. I called back in XXXX and disputed it, they said that the documents will be sent to me. I never received them. Called yesterday, they said the documents would be sent and I do n't believe that they will be. 

How can there be XXXX identical {$220.00} bill from ERC representing XXXX? I paid, they are refusing to remove the hit on my credit report. 

Any help would be appreciated.
I AM REPEATING THIS IS NOT A DUPLICATE THIS IS A DIFFERENT ISSUE CONCERNING THE PREVIOUS ISSUES, AND LABELING THIS AS A DUPLICATE, WILL CAUSE ME TO FURTHER ACTION IN THE FORM OF A LAWSUIT IF NOT REMEDIED CORRECTLY ; I had opened a case with you all previously to try to rectify this matter and yet Transunion only partial did some type of work for previous case # XXXX, The company called XXXX XXXX for over a year has been report Bankruptcy on my credit report, which was totally false and Transunion did not verify the information and posted on my account which created a huge dang in my credit. This was not re investigated properly till after I attached information from the XXXX  system and XXXX XXXX XXXX after complaining 3 times in reference to this matter and yet Transunion is still reporting XXXX information and reporting after this company clearly shows they are lying by reporting inaccurate things to my credit report ( Bankruptcy ). Transunion need to remove this account completely they are breaking several laws. Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/XXXX, you contacted us via telephone and investigations were initiated. In the interim of your investigations, we received your CFPB Complaint. As a result of the investigation, XXXX XX/XX/XXXX# XXXX removed the bankruptcy status and added the charge-off status with a balance of {$760.00}. The closed date was updated from XX/XX/XXXX to XX/XX/XXXX and estimated deletion date from XX/XX/XXXX to XX/XX/XXXX. So you telling me after Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character This needs to be completely removed and credit corrected or I will not hesitate to sue and I have all the information to do so!
Throughout the last month, Chase Bank has been re-ordering all debits in order to maximize overdraft fees. For example, on XXXX XXXX on my statement, Chase charged me {$68.00} for two overdraft fees totaling XXXX dollars buy putting a {$75.00} check ahead of these, where it should have charged only one fee at {$34.00}, as there were sufficient funds to cover the aforementioned smaller debits. This practice is frustrating. For someone who is living pay check to pay check, Chase is extracting hundreds of dollars in fees. This is usury and it should be stopped.
I 've been calling for the last couple of months in regards to the XXXX breach. I 've been calling last week to no availability in regards to the XXXX breach. I 've been disputing for months about these collections and inquiries. I have sent dispute letters along with updating my address and employer. I asked for validation from creditors they sent copies of a bill with a totally different social security number. XXXX XXXX XXXX is one of them. I have called several times they have the last 4 of the ssn as XXXX where else mine is XXXX. I have several unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. Charged off accounts that I have already paid the beginning of this year and have asked to be deleted since I have paid them that are still showing up negatively on my credit report. I have paid my XXXX XXXX XXXX for XXXX, XXXX XXXX credit card that was sent to XXXX XXXX, my Wells Fargo credit card, XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX. I have accounts that I have disputed several times on all credit reports along with the social security number XXXX that is not mine along with accounts that I was n't aware I owed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have sent validation letters to all 5 companies needing proof that these debts are mine. I have yet to hear anything back I 've also sent this in the beginning of the year. I demanded to see verifiable proof with my signature on file for those accounts. Under the FCRA unverified accounts must be removed if unable to provide me with an copy. I have n't received a copy yet.
I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX  ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''.

The company never responded to the complaint.
I have been disputing incorrect information on my credit reports for over a year, I have sent faxes, fraud reports and filed multiple complaints. Experian had my personal information incorrect on my reports also my address nut refuse to remove, I have requested the information they have to verify the correct addresses collected also bankruptcy information they refuse. information is supposed to be verified with a signature or i am supposed to be provided the information from any 3rd part they are using to verify court information in which I have never received. I am requested all inquires unauthorized removed also all address but my correct address XXXX XXXX XXXX. I am showing multiple companies pulling my credit report from all 2 bureaus with no authorization.
My spouse and I called Navient on XXXX/XXXX/16 to ask if we can lower repayment amount. They ran our credit report without our consent. They said, " I am running your credit '' after the action. At that time, I did n't say anything, but they should have asked me before the action.
XXXX account was opened in my name for a residential line. XXXX XXXX XXXX is holding me liable and mentioned that this is a billing issue. After several calls back and forth I have not had a resolution and am still being held liable. This issue has started since XXXX of 2015.
I bought my home XX/XX/XXXX for the amount of {$220000.00}. The home was appraised closing with a value of {$260000.00} at closing. When purchasing the home I did not provide a downpayment in the amount of 20 % of the home value, therefore I had to purchase private mortgage insurance ( P.M.I. ) on the home until 20 % of the home value was paid off. 20 % of {$260000.00} is {$53000.00}. This means I would have to owe ( $ XXXX- {$53000.00} ) {$210000.00} or less for the P.M.I. to be taken off of my monthly mortgage payments. According to law, the lender should take the P.M.I. off of my loan once the 20 % is met. At the time of closing my borrower did not provide me a PMI disclosure form to identify when the 20 % mark would be met. 

When closing on my home my loan was thru XXXX XXXX XXXX, for the past 5+ years my loan was taken over by Wells Fargo Home Mortgage and they are my current lenders. I have never missed or been late on a mortgage payment. 

In XX/XX/XXXX I reached the 20 % mark on the value of my home. Starting XX/XX/XXXX I have owed {$210000.00} or less on my home. As of XX/XX/XXXX I owe {$190000.00}, this is far beyond owning 80 % or less of my home value. 

I have reached out to Wells Fargo to have the PMI removed from my mortgage payments, but they refuse. Wells Fargo has stated that I must pay off 22 % of the " loan '' before PMI can be taken off, and that the 20 % is not based on the value of the home at closing. 

It was never identified to me at closing that the 20 % was based the " value of the loan '' and not the appraised value of the home at closing. This information is new to me and in XX/XX/XXXX I do not believe this was the agreement at closing. I would like to receive some evidence that I agreed to an otherwise condition against having the PMI be based on the value of the home at closing.
XX/XX/XXXX Consumer Financial Protection Bureau RE : Complaint against Chase Credit Card, XXXX XXXX XXXX, XXXX, DE XXXX and Chase Cardmember Service, XXXX XXXX XXXX, XXXX, IL XXXX To Whom It May Concern : I am filing this complaint against XXXX because they are corrupt and not listening to me. I entered into an agreement with them back in XXXX XXXX, whereby I would make monthly payments of {$44.00} on an account that has been closed for at least one year to date, account # XXXX XXXX XXXX XXXX. 

I received a paper statement from Chase in XX/XX/XXXX and noticed they were charging me interest on purchases and also charging me fees ( unstated ) on an account that has been closed. I called them to talk to them about this and they refused to help me when I asked them to waive the fees because Im no long authorized to make purchases on an account that is closed. I also told them with what they are doing my balance will never go down. So, since they refused to do anything to help me, I told them I will no longer make any payments on this account and they no longer have my permission to take money from my bank account. I also told them they can take me to court and I will tell the judge why I quit paying them. 

Today I checked my bank account and they have taken {$44.00} out of my checking account on XX/XX/XXXX. I have spoken to my bank and do not want to pay a {$35.00} stop payment fee ; however, I do not want them taking money from my account anymore. 

Supposedly their conversations are recorded ( at least thats what I heard when I called them to complain ). 

I need your help. I want them to refund my money back to my bank account. If they dont want to waive the interest charges and random fees on a closed account, I refuse to give them another payment. I am not wealthy and I do want my credit to be good again, but they are messing it up on me there too. They are doing hard inquiries on my credit bureau report which I never authorized them to do, and since they did that, my score has dropped 41 points. I think they need to do something to reverse this damage to my credit as well. I never authorized them to pull any of my credit bureau reports. All they are doing is further damaging my name. 

I will forward a copy of the paper statement that shows the new minimum balance of {$130.00} and has no mention of any payments made to date on this statement. It also lists the fees and interest charges on the bottom. This in my opinion is nothing less than pure greed and corruption. I will also forward the letters saying my account is past due, etc., and thanks for scheduling my next payment for XX/XX/XXXX ( this is fraudulent because I told them to stop taking my money out of my account weeks earlier ). 

Thanking you in advance for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Regarding complaint case # XXXX, I want to add that as part of resolution I want my credit reports at XXXX, XXXX, and XXXX to reflect the fact I did not pay Citi Bank AT & T Universal credit card bill late. I also want the complaint published.