WillisBack/dataset-financial-user-claim huggingface dataset:
I have made a an attempt to pay off my loan with USBank early and in full. They stated my pay off amount and I paid that in full. They then charged me an additional  XXXX  cents as well as an early payoff fee of {$75.00}  (  Statement date  XXXX  vs. Pay off over the phone on  XXXX  ). My contract with USBank clearly states that I do not have any early payoff fee. I believe this is systemic predatory charging that is being charged to all consumers that attempt to pay off a balance early. Please investigate so these big banks quit screwing our citizens. Thanks!
The day after my mortgage payment was do in XXXX my mortgage company started calling and harassing me on a daily basis. At least 6 times a day and I would hang up the phone with XXXX and another would call and a rep for mortgage co. told me if I want them to quit then pay my bills. They call late at night and on weekends. I called XXXX XXXX to pay XXXX mortgage payments in full and they refused to accept them, as they stated they wanted all XXXX. Which my payments are do the first and I was well with in my grace period. I was told not to fill out the hardship package because it would not do any good, Ive owned my house only 10 months not a year. I lost my XXXX job a month after I closed on my house and explained this to them over and over.
I do not dispute that I owe the debt. My complaint is that the agency calls multiple times/day and several days/week which constitutes harassment. They will call XXXX times within 2 or 3 minutes. They call, hang up with no message and call right back and will do this multiple times/day. I have also requested that they not contact my employer and they have done that after my request.
I refinanced my home with The XXXX XXXX Bank in XXXX in XXXX 2016. XXXX sent a cashiers check to LVNV Funding / Resurgent Capital Services to payoff a judgement filed against my deceased husband that became a real estate lien due to non-payment. After many telephone calls by myself and my banker, we received a letter dated XXXX XXXX, 2016 stating that the lien had been satisfied and the release of judgment will be filed. No such release has been received by XXXX XXXX as of this date. I feel that this release should have been taken care of many months ago. I am sure that my bank would have taken care of this in a matter of days, not over 6 months.The bank 's attorney sent a letter to LVNV / Resurgent Capital Services on XXXX XXXX, 2016 with no response. Your assistance in this matter will be appreciated. I wish all financial institutions treated customers as XXXX and XXXX XXXX XXXX Bank in Staunton does. They do it right.
I started a new loan with XXXX XXXX XXXX XX/XX/XXXX and was told after 6 months of on-time payments and a principle amount of 80 % of the purchase price I could drop pmi. On XX/XX/XXXX I requested that in writing via e-mail. I was sent back via e-mail to get to 80 % send {$28000.00} so I did send the money and e-mailed them on XX/XX/XXXX. They held the funds for 2 weeks then posted them to my account but did not drop my pmi. After 5 phone calls and several e-mails I get another e-mail on XX/XX/XXXX saying to send them {$100.00} for an analysis which might cost more, that the {$100.00} is just a quote to start.
I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX  told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
Beginning during XX/XX/XXXX a collection agent called asking where I could meet their " process server because they were going to sue me for {$800.00} that I owed XXXX XXXX XXXX ''. According to XXXX XXXX. I owe them nothing and all accounts that I did have were closed and paid in full. Demanding that I pay the full amount at XXXX. They gave me no information about who they were or who they represented. They are so persistent that they have called my cell phone at least XXXX to XXXX times a day if not more. When I asked for an address they refused to give me one. Because of their actions, I felt that in order to obtain the company name and address I had to set up a payment arrangement so that I could obtain an address. ( exhibit # XXXX ) These statements clearly shows that AFS 's actions cause Duress as stated in 18 Pa. C.S. 309, Entrapment 18 Pa. C.S. 313, by threats of a lawsuit. By not first telling me who they were or why their actions so that I could properly investigate and ask questions their actions clearly violate Pa C.S.18 3922 Theft by deception, Pa C.S.18 3923 Extortion, Pa C.S.18 4114 Securing execution of documents by deception, Pa. C.S. 18 4107 Deceptive or fraudulent business practices. 
On Friday XXXX XXXX, 2015 they once again called demanding {$800.00}. Since I will not deal with them directly they have started calling my wife XXXX XXXX, demanding the money out of her saying that they would sue and put a record judgment on me if the full amount was n't paid that day. The individual that spoke with her gave her, not only my name and social, but her full name and social security number as well. In the arrangement they give no name of the prior lender, no account number, nothing. They have called my place of business ( XXXX XXXX in XXXX ) XXXX as well as my wife 's place of business, ( XXXX XXXX XXXX ) where she is XXXX. On XXXX XXXX, 2015 I received this email ( exhibit # XXXX ). On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX called XXXX XXXX which is my place of employment tonight looking for me.
ABC Financial has been contacting me concerning a past due amount owed for a health club membership that to my understanding was cancelled. I informed ABC financial that I had went into the gym location and informed them that I wanted to cancel months ago. ABC Financial informed me that they will continue to bill me unless I write a letter and send it to the location asking to cancel. This could not be ethical, I did n't write a letter to sign up for the membership.
I 'm writing again to yous it 's my third time because I just got my response back from my second mortgage and did not like what I was told saying that they can not combine my both mortgages together they can do a modification on my second loan but I have to put 5 % down in which I do n't have the money for and now they are telling if do n't pay the months I 'm behind they are going to put me in foreclosure I have been paying for the last eight years every month after month and being behind on other bills so I wo n't be behind on my mortgages opening credit card accounts just to pay them and now I 'm stuck paying all this cards and now they tell me they ca n't help me out unless I have 5 % down I talked to a mortgager and for some reason she had a not so nice attitude with me when I told her I do n't have all the backed up money I owe them and the money down that they are asking for I do n't know and do n't understand in what kind of loan they have me stuck on that I just ca n't seem to get any bank to help me refinance it they all have told me the same that they ca n't help me because I am not with XXXX or with XXXX or with harp so I just do n't understand that I have told them the situation and they also do n't seem that they want to help me cause if they know the banks or no one else can help why are they making hard for me to refinance my second mortgage they refinced my first mortgage and I did n't have to put nothing out of my pocket they included my closing cost in my mortgage so I was ok with that not very happy but was ok so I was hoping that they would do it with my second mortgage I do n't see why they ca n't do the same I do n't know and do n't understand why I do n't qualify for it I just believe that they are making to much money on me so they do n't feel the need to help me so you see this why I 'm writing back to yous also I do n't even know what kind of loan I have
I had an account with this company last year to build my credit score. There was an issue when I switched banks the website would not allow me to add my banking information. I was late on my payment because I could not pay my bill online and there was no other way to pay it. I called the company to fix the issue and I emailed them and it wasn't fixed. my credit score has been impacted by this reporting because I was reported as being 60 days late. I tried to just use this information with the credit bureaus with no success and the company will not budge on its reporting of my payment history which is upsetting because rather than build my credit it actually hurt it
On XXXX, I sent TransUnion the attached letter requesting re-investigation into a closed account and it 's inquiry and the results I received ( attached ) was deletion of an accurate account instead. Please delete the correct unauthorized inquiry as well as the subsequent closed account and reinstate the account that you deleted in error. Thank you.
I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 )  XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX  (XX/XX/XXXX ) 12 ) XXXX XXXX (XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )
I believe I have Genesis loans from Corinthian Colleges and would like to know if they were included in the CFPB settlement. 
Name : XXXX College - XXXXAddress : XXXX XXXX XXXX. XXXX XXXX, CA XXXX
I contacted Experian by certified mail on XX/XX/XXXX, and XX/XX/XXXX to correct personal information errors on my credit report. I also included a copy of my state id, social security card, and utility bill all containing my correct address, and name XXXX XXXX XXXX XXXX on each document. I have attached a copy of the letter along with a copy of my state identification to prove my correct address and name with this complaint. Upon viewing my report I noticed incorrect addresses on my report XXXX XXXX XXXX XXXX, TX XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have made 2 written requests to have the inaccurate addresses removed. Experian has not removed them or provided a reason why they were not removed. The only reply I received stated that Experian stores information provided by credit grantors or public information sources. The response is very vague and provide no valid reason why they have not updated my file with the correct information I provided. Also there are incorrect names listed on the report also. I have never gone by or been known as XXXX XXXX or XXXX XXXX XXXX XXXX Or any variation of my legal name. I suspect Experian is using these incorrect names and addresses to justify reporting incorrect debt on my credit report. They are stating XXXX XXXX and XXXX XXXX have been " verified '' But I have received documentation from XXXX XXXX and the personal information does not match my correct identification. However the address and the names do match the incorrect address and name being reported by Experian. I have attach a copy of the personal information page from the report I received highlighting Experian 's response as well as the incorrect personal info. I go by XXXX XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX # XXXX XXXX, TX XXXX I have provided proof of that to Experian as well as attached it to this complaint.
I currently have a Citibank credit card. I had the usual no interest for the first year. I unfortunately didnt pay it off prior to the year end. That was XXXX. I am still getting charged XXXX dollars a month, or more, on purchases made prior to XXXX. This is going on nearly 4 years. They also charge me another XXXX dollars per month for regular purchases. At the most, I expected a year of paying the price for not paying off my debt from XXXX. This makes it almost impossible to keep the limit down.
After pulling my XXXX credit report on XXXX/XXXX/XXXX I found two tradeline errors from Synchrony back for two accounts whichare not my account, I am unaware of account numbers nor did I authorize the opening of any accounts with this bank. On XXXX/XXXX/XXXX I wrote a letter to the bank and mailed it certified mail. It was received by the bank on XXXX/XXXX/XXXX. The first response from the bank was dated XXXX/XXXX/XXXX and did not provide any rational for why the investigation determined the account ( only one of the accounts not both ) was mine, it was a generalized letter that only confirmed that my address was different than the address listed on the account. I sent a follow up letter explaining this was a non response and noted the letter admitted that information on the account did not match the information I had provided. 

On XXXX/XXXX/XXXX I received a second response dated XXXX/XXXX/XXXX and stated they had no knowledge of an account and asked for information, which I had provided in the original letter to the bank. I replied to the bank on XXXX/XXXX/XXXX explaining the incorrect tradeline error and outlining my communications to date including the errors noted on the banks form letter responses and providing all the information requested in the second response letter to include copies of the credit report showing the error which was included in my original letters. 

On XXXX/XXXX/XXXX I received the same original form letter with no acknowledgment of the detailed information I had provided or the required written justification for why their investigation concluded that the tradeline were accurate. Furthermore, one of the accounts listed an open date on my credit report which was in XXXX which would mean this bank opened an account for an XXXX XXXX XXXX if you assume their investigation concluded the tradeline was correct. 

I provided sufficient information to the bank in all of my communications ( all via certified mail ) to identify the inaccurate accounts and make the required tradeline corrections with the reporting agencies. To date all communications from the bank have not meet the requirements to investigate and provide correction or written justification in compliance with the law. I have copies of all communications.
I am a Colorado resident. I have a {$100.00} Visa gift card that had not been used in a while, so I went online to check the balance. The online service showed a remaining balance of {$38.00}. Then I looked at the activity. It only showed back to XXXX/XXXX/2016, and showed a {$2.00} inactivity fee had been charged each month for the past six months. I have no way to know how far back these fees go. This is obviously not the full history, since no purchases were shown and there is no way to get to a balance of {$38.00} in {$2.00} increments. Colorado Revised Statute, Section 6-1-722 and Section 38-13-108.4 prohibits expiration dates and service fees, dormancy fees, inactivity fees or any other fee. The back of the card states, " U.S. Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 consecutive months of inactivity except where prohibited by state law. '' I called U.S. Bank and described the situation ( although I forgot to mention the incompleteness of the online activity information ). The person I spoke with placed me on hold to check what their rules are, and when she came back she informed me that the card was not issued by a Colorado bank and therefore is regulated by federal law, which permits the fees. I believe that my state of residency is the governing authority, and I said so. The customer service representative simply told me that is the law and there is nothing she could do. 

The card was purchased in Colorado and given to a Colorado resident. If federal law rather than Colorado law applies here, I will drop my complaint ; however, I would maintain that the " except where prohibited by state law '' phrase on the card is misleading in that case, since there is no indication as to which state that would be if it 's not the state where the card is purchased and used.
XX/XX/2018 XXXX XXXX Man from HSBC named XXXX XXXX claimed I had and account with HSBC and was threatening litigation for breach of contract, fraud, falsifying legal documents if I did not pay the amount in full. The man had my personal information and SSN. He would not give any information about the account stating that I know I used the credit card and I better pay it. He stated that they had income tax information and employer verification to prove I opened the account. 
He began to get rude and nasty and threaten to sue and to make me pay. 
Because he would not give any validating information as to what state and account information, I feel this person was lying. 
The phone number given is XXXX. They claim to be a litigation group collecting on behalf of HSBC. 

I have had multiple entities contacting me trying to get me to pay some erroneous debt. I have had several identity theft situations which makes me believe this could be part of it or a scam.
I 've had this Bank of America credit card since XXXX. This is the ONLY card that my wife and I have that does not have the ability to setup payments online to pay the minimum payment each month automatically. Instead, it requires that you declare a payment amount to make automatically each month. Since we did n't use this card often, years ago, I set it to pay {$50.00} per month believing that it would easily cover the minimum payment and then some if we did decide to use it. For literally years that assumption held true. This XXXX, purchases were made that resulted in the minimum payment being greater than the {$50.00} that was setup previously. As soon as I realized the problem, unfortunately in XXXX of XXXX, I payed the overdue balance, and contacted Bank of America to attempt to have my credit report corrected based on several limitations on their part : First, we NEVER received supplementary contact to indicate a problem. It is true that I did sign up of paperless statements in XXXX, and I routinely do not check those statements because I rarely use the card. If there were a problem, I had expected Bank of America, like ALL of my other creditors do, to attempt to contact me to indicate such. NO phone calls or letters were received to indicate a problem with the account. 
Second, this is the ONLY account that we have that does not have an option to pay the minimum payment each month on their online bill payment system. Coupled with a lack of communication from the Bank, it would seem to me that this situation was engineered to make money for the Bank through the generation of late payment and over limit fees. 
I submitted requests to Bank of America several weeks ago to make the requested adjustments to my credit report given my exemplary history with them spanning a decade, the above described limitations, and my immediate payment to bring the account current on the day that the problem was finally brought to my attention. When I called today to follow up on the issue, I was notified that my request was denied. I asked them to reconsider my request, and to escalate my request beyond the department that had made the decision to deny my request and was told that was not possible. At that point I cancelled my account with Bank of America and notified them at the same time that I would be making a formal complaint with the appropriate consumer protection agencies.
Cnba hard pull on my credit or days it wo n't be removed un til 2018.what is the  retail an elsewhere I 've never gave consent to this company prove my daughters name and I 'll believe this company knows me
XXXX XXXX XXXX after speaking with several customer service reps with this company continues to do damage to my credit report by reporting incorrect info. XXXX  shows this account closed in XX/XX/XXXX this account closed in XX/XX/XXXX and was a paid charge off in XX/XX/XXXX. This caused a major 50 point drop in my credit score which I am working very hard to repair. In good faith I paid this account off, and they continue to be inaccurate with reporting, as well as incorrectly re aging this account causing a significant score drop while I'm attempting to obtain a mortgage. I remain very disappointed with this company 's handling of this account. They have not been very helpful at all with any of my requests, and I intend to take this situation further if they can not report accounts accurately to each credit bureau.
XX/XX/XXXX I received a subpoena from Ally financial inc and legal advisers XXXX, XXXX, XXXX, XXXX XXXX. While surveying it I found exhibit c, a notice of rights to dispute debt. I never received this notice dated XXXX XXXX 2017. I called both respondents and informed them and the said i had received it because it did not come back in the mail. I believe this is unsatisfactory, careless and unprofessional. I have written a request for my 30 day notice period and a notice with correct date of XX/XX/XXXX to be sent to me. I have mailed this certified mail and express.The cost was not expensive. So how is it I, who has been out of work, can afford to be professional unlike a bank such as Ally or lawyers who get paid such exuberant amounts just to file suite . I intend to pay off the total amount, but when i requested where to have the money wired Ally refused to tell me until they called their lawyers so they can get a total with lawyer fees included. If they had given me an actual notice along with 30 days to fix this I would never have been expected to pay their attorneys fees. Might i just add the actual value is {$12000.00} and they say i owe {$17000.00} plus lawyer fees of {$2500.00} a total of {$19000.00}, this is highway robbery!
I received a loan in the amount of XXXX. I was told that the pay off would be XXXX. Now Im told that my monthly payments of XXXX was just to keep the loan open and none will apply to the loan.
XXXX NAVY FCU Account Number XXXX XXXX Account Status PAYS_AS_AGREED Available Credit Reported Balance {$39000.00} Debt-to-Credit Ratio 100 % Age of Account 0 Month ( XXXX ) * THIS ACCOUNT IS CLOSED AND PAID OFF THE LOAN CHECK WAS RETURNED. 
ATTACHED IS THE LETTER FROM NAVY FEDERAL STATING THAT THIS ACCOUNT IS CLOSED. REPORT TO ALL ( XXXX ) CREDIT REPORT AGENCIES
I just got a copy of my credit report and noticed a collection account from  Deville Management  reporting to the credit bureau  XXXX . The account on the credit report is  XXXX . I called them at the telephone number listed on the report at  XXXX  ; they told me they gave the account to another agency to try and collect.   A representative gave me a telephone number, I called the 1st number (  XXXX  ) its an apartment complex, I calle d Deville Management  a  2nd  time they gave me another number  XXXX , they said they do not have any account for me, I calle d Deville a   3rd  time they gave me another number  XXXX  I called them and they do not have the account. I called Deville a  3rd  time and asked them what is going on, they can not give me an answer. They told me it i  XXXX   XXXX   XXXX   XXXX   XXXX  account, but I have not had a   XXXX    XXXX   XXXX  account in over 10 years, I would like this account removed from my credit bureau because apparently these companies purchase debts and do not have correct information. This is not my account, I do not remember having a   XXXX    XXXX   XXXX  credit card..
I have an identity theft problem with 2 accounts on credit report from XXXX. Policy and IDTheft.gov docs plus other docs submitted in XX/XX/2016. 10 investigations have been opened and closed by Equifax. Other 2 agencies took off report but not Equifax. Now they want new police reports, etc. I am XXXX XXXX and have been given bad number to dial, told to get a lawyer so my wife can have power of attorney, etc. Now XXXX is suing and they haven't provided documents either to me. I have a lawyer. I need help.