WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I was in contact with Kohl 's. I was a payment past due and was asked to make my payment. I told the customer service rep that I was actually going to the store as we were speaking to pay with cash because I wanted to use my card right away. He said no problem, I will process the payment over the phone, I said but I wanted to use my kohl 's card today and cash payments post right away for use. He said no we can use your debit card and you can use your card right away. I know by him saying that, that there is no way they would let me use my card unless that money came out. So I double checked and said I can use it today and it will post right away, he said yes. He really forced me into making a payment then and there. So I read him my debit card number and mind you, I 'm never late. I think I may have been once but that was when I just XXXX and was on XXXX and forgot. So I read him my debit card number and he told me he would take the late fee off. I received a call today,XXXX around XXXX central time, and was told my account was 2 payments past due! I was shocked and asked about the debit card payment I made. She said it did n't not go through and I explained that I was told it was processed right then and there. I have XXXX bank accounts and I keep {$100.00} in XXXX all the time and at the moment I had that debit card on me for that bank when that rep called on Saturday. Well looking at it, I discovered I had {$76.00} in there for a {$82.00} payment. If I could of used my bank routing and account number it would have went through or if I would have jus paid cash I would not be in the situation I am currently in. I was repeatedly asked to use my debit card and told I could use my kohl 's card that same day meaning it would come out same day. The rep today told me that I was read that it can take 24-48 business hours for a payment to post but I do n't see how with a debit card payment. I feel I was misinformed and now my credit is suffering. I am trying to build my credit for a house next year and this is making me so mad. I would have paid in store with cash if I knew this.
Without contacting me, this company has put a negative mark on my XXXX credit report. 

I had already disputed this debt with the Consumer Financial Protection Bureau 6 months ago. The debt is not owed and is the result of fraudulent billing practices. 

I closed my XXXX account in person over a year ago. The XXXX representative was friendly, everything was done, there was no equipment that I owed. 

I would be interested in joining a class action lawsuit against this billing practice, if there are any lawyers out there listening.
I had the same problem last year getting my annual credit report from Experian. I never had this problem with XXXX or XXXX. In the process of printing out my credit report, it was interrupted by an " Error Report, XXXX '', message and I could n't get back on the Experian site. Attempts to contact them were ignored. I think this is a disgrace!
- Not a Valid collection - Item was to be deleted with Payment - Item Shows with a dispute Remark on my Credit Report after the Fact it was Resolved and Settled - Amount was n't clear from the Beginning and i disputed to inquire about the correct amount - Representative never got back to me or replied and took it from collection to reported on my credit report - i was forced to settle it because i was denied renting an apartment for my family until i settle this amount - fro m 2015 u ntil  XXXX ,  XXXX  and  XXXX  still shows as a dispute Remarks on my credit report Check Attached file Page  XXXX    XXXX   XXXX    XXXX  Account #  XXXX   XXXX   XXXX   XXXX
I bought a car in XX/XX/XXXX. Unfortunately shortly thereafter on XX/XX/XXXX the vehicle was involved in a wreck and the car was totaled. My Insurance carrier XXXX swiftly paid the value of the car, roughly {$8000.00}. Shortly thereafter, they received the {$2000.00} warranty refund. This left a balance just under {$2000.00}, which is being covered by GAP insurance. And, even with all those insurance payments, I was reported late to the credit bureaus. I signed the car ownership over to XXXX at the end of XX/XX/XXXX, and since it was being paid off, I did not make a payment. I was current at the time of the accident. However, Flagship is reporting me 30 days late to the credit bureaus and additionally sending me past due bills, when they are getting paid out by these various insurances. They are piling late fees on top of this as well. I wrote Flagship a letter in XX/XX/XXXX, asking for clarification, and I received no response. I reported to XXXX and also the Better Business Bureau. I am not understanding why I am being reported late and late fees added on a totaled car being paid out by insurance. I already bought a new car after the accident, and have been making payments on it. I never imagined I would be pursued for payments on this totaled car. Please help me. Flagship credit acceptance will not communicate with me at all, nor help.
I have a joint account with my son and a sole account at SunTrust bank. My son recently moved to XXXX and started a job with a company he found on the website XXXX. It turns out the company was impersonating a real company without our knowledge. They sent him a check for {$6900.00} and told him to deposit the check, which he did. They then told him to withdraw the money the next day and deposit into a XXXX XXXX XXXX account so that the software engineer of the company could purchase the hardware and software that my son would need for his job. We became suspicious when they sent him a second check. We filed a claim with SunTrust Fraud and he also went to the XXXX police and filed a claim. This happened on XXXX/XXXX/2016. I called SunTrust Fraud 4 times and never received any information as to what was going on. They never contacted me or my son. After sometime we were told that our joint account was no longer frozen and that he could use his ATM card. On XXXX/XXXX/2016 I received my bank statement for my sole checking account and SunTrust without notifying me took {$6900.00} out of my account to cover the fraudulent check. I have repeated contacted them to ask to have my money restored. They are protecting themselves but their customers. I feel that I have been victimized and I am being penalized for a fraudulent transaction. Where are the laws that protect the innocent consumer? SunTrust and the police should be going after whoever sent my son the bad check, they are the ones responsible.
I financed a vehicle loan with Drivetime back in XXXX. I have been paying on the loan and the maturity date is XXXX XXXX. I checked my credit XXXX XXXX and noticed that the loan had been removed from my credit report. I have called Drivetime numerous time to correct the error to no avail. I feel this is a UDAAP violation because I was lead to believe the loan would be reported on my credit it has n't been reporting.
Synchrony Bank is now reporting to multiple consumer credit reporting agencies in violation of Section 607 ( b ) of the Fair Credit Reporting Act. 
I filed a XXXX XXXX action on XXXX XXXX, XX/XX/XXXX in the XXXX XXXX of New York. I obtained a discharge on XXXX XXXX, XX/XX/XXXX. At the time of filing I owed a debt to Synchrony Bank. I had not missed any payments prior to filing. Upon discharge, Synchrony updated my consumer credit agency records to show late payments in XXXX XX/XX/XXXX ( after my filing date ) and entered a " charge off '' notation for each month from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. I disputed the notations as violations of both the automatic stay and the discharge order. Through XXXX disputes the bank refused to correct the information. It came to my attention when I investigated a credit score drop. 
Also attached is an FTC Advisory Opinion stating in relevant part " Section 607 ( b ) of the FCRA requires credit bureaus 'to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '. '' It goes on to state " it is not a reasonable procedure to label an account that has been discharged in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer FILED bankruptcy. '' Do note that the FILING date is the relevant date and NOT the discharge date. Given this, no information should be reporting after XXXX XX/XX/XXXX regardless of the accounting treatment of the account.
I filed an Qualified Written RESPA request for information with my servicer on XXXX XXXX, 2015. They completely ignored it. Then, after waiting for a while and receiving no acknowledgment, I filed an complaint with you and re-send the RESPA request to BSI Financials on XXXX XXXX, 2015. This time, because i file a complaint with you, I did get a response. However, the response was not complete and did not contain important information material to the review of my loan. In their response, XXXX XXXX, a BSI financial complaint resolution specialties, writes that she finds my request " overboard or unduly burdensome ''. Interesting choice of words since, the RESPA GUIDELINES are quite clear about what information can be requested and that the Servicer must comply with the request. The RESPA guideline do not say that a Loan servicer or Lender can pick and choose what information to provide and what is burdensome and therefore can be skipped. I strongly demand that they compl with RESPA guidelines and provide complete information as per my qualified written request. If they do not have proper documentation for this loan they should forfeit the rights to foreclose on the property. 

In addition, They have been using wrong name on all correspondence, notice of default and notice of sale. My name Is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. Law requires that all notices including but not limited to Notice of default and notice of sale must be corrected and issued again. Or, please provide documents showing how any why it was necessary to issue notices to wrong name and thus wrong person. According to the California 's NON-JUDICIAL foreclosure law, all information contained in the foreclosure communication or notice is must me truthful and correct. Notices containing untruthful information such as wrong name and addressed to the wrong person are null and void. 

Please understand they are trying to foreclose on my family home without proper documents, process and with untruthful information. Their assertion that my request causes unduly burden on their institution, is insensitive, disrespectful and most importantly points to a fraud. I respectfully demand that they Immidialaty dismiss all foreclosure activities. follow the California 's NON-JUDICIAL foreclosure law and comply with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ).
I am receiving calls at home, and work telling me that legal action will be taken on a payday loan that was illegal in the state of Virginia
Please refer to my past complaint to CFPB  XXXX  Submitted to the CFPB on  X/XX/2017   .     Almost 2-3 weeks back I got a call from Bofa. He wanted to talk to me regarding this issue and told me that he is recording the call. I also stated that being in the state of AZ - I have the authority to record the call. The moment he come to know about it - he said that he will send the contents by mail. I have n't received anything from them via mail also.   Why in the world - it 's  so one side d that he can record the conversation because is " the bank '' but i can not. This is against my basic rights as  a US Citizen a nd against AZ policies.     Attaching the recorded conversation.
In XXXX of 2015, I was sent a check in my name ( which was spelt wrong ) from XXXX has a secret shopper thing. I deposited the check into my Bank of America Account and did nothing with it, it sat in there for weeks to verify it. Once it was verified they immediately reported to XXXX XXXX. I then found out it was a scam that XXXX did and usually does every year around the holiday 's. Nothing every was reported to me for a while and I went to add something to my account and set a direct deposit, the account was closed without my knowledge. I have sent over the information prior to this and info on the scam and they still think I withdrawled the money, which i never did. i will attache the statement and you can see there was no withdrawal on the account let alone any deposit made on the account. 


Link below : XXXX XXXX   XXXX Link Below : XXXX XXXX   XXXX
Back in XX/XX/XXXX I was the victim of fraud when I tried to refinance through people claiming to be lawyers, who were not. at the time my mortgage was being serviced by EMC mortgage inc. I believe they had the loan as well, not sure! After the crash in XX/XX/XXXX J P Morgan bought EMC for pennies on the dollar and thus our relationship began, I am XXXX and my income is not very much but to stay in my home I 've been paying interest only plus insurance and taxes each month. I am writing and requesting a complete audit of my mortgage so that I can see how things got so out of control. Is there anything that you can do to help me get back in control? here is a copy of the letter I am sending to my mortgage service provider. To : J P Morgan Chase Bank XXXX XXXX Mortgage Servicing Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX, OH XXXX Mortgage Acct. # XXXX Date : XX/XX/XXXX RE : Information Request Mortgage Loan Number- XXXX I am writing to request a complete audit of my mortgage. I had requested a re-finance back in XX/XX/XXXX, I was told that I did not meet the requirements. During the market crash I tried to get help in refinancing but was ripped off by some people posing as attorneys and were not. I have documentation to show that these people are being charged by the State Bar of Ca. I have been XXXX for quite some time and I have had to beg borrow and scrape to get by. Chase bank did allow me a modification where I could make interest only payments in order to keep my home, since Ive had since XX/XX/XXXX.Somewhere along the way my mortgage has jumped into the outer limits. I have tried to refinance but when I do everyone sees a deferred principle payment of {$170000.00}. Once other lenders see this they immediately stop talking and say they can not help. I would like to know the when and where this comes from. The reason I am requesting this information is when I was given an estimate by your bank in XX/XX/XXXX this XXXX was not listed. This estimation is dated- XX/XX/XXXX the loan ID is XXXX. I would love an opportunity to take this offer but it to was withdrawn, I even got someone else to put on the mortgage, didnt help either. I dont know in which direction to turn it appears that Chase Bank has all the leverage. I believe an audit will help me to figure out how I got into this mess and maybe a way out. I am inclosing a copy of the estimate, as well as the letter from the State Bar. Also if this reaches the wrong department please send it to the correct one > Thank you! If you need to contact me to discuss this request, I can be reached at XXXX XXXX XXXX XXXX XXXX, Ca.XXXX Mobile phone- XXXX email- XXXX. _________ ______________________ Date Sincerely XXXX XXXX
I am a victim of identity theft. The   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  XXXX ,  XXXX   or Trans Union  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX
Experian has claimed to have investigated a account that was reaged by the debt collection agency several times now, twice in the last 30 days, the second time I requested a dispute I included the invoice from XXXX that clearly shows the debt they are trying to collect is older then XXXX XXXX XXXX, and outside of statute of limitations both locally and federally. 

Experian claimed that the document I provided could not be used, even though it is the original statement that was provided to the debt collector from the original creditor, which the debt collector provided to me as proof that I owed the debt. 

Experian said they would have to contact the debt collector to verify the information I provided and would make a determination within 30 days. 

Experian once again said that the debt collector had satisfied to experian that the debt was valid and would remain on my report until XXXX, despite the fact that the original invoice provided to me by the debt collector clearly shows the debt XXXX is from XXXX, which is clear violation of the law. 

If experian has made such inquiries and claims that the debt collector has satisfied the validity of the debt, then clearly either the debt collector is illegally furnishing invoices with altered dates, or experian is not actually verify the validity of the debt, since the original invoice clearly without question shows the XXXX would have been in XXXX. 

As of writing this the results of the investigation page from experian is down, and I can not provide the reports
MY DAUGHTER CONSOLIDATED HER STUDENT LOANS WITH XXXX AND THEN THE LOAN WAS GIVEN TO NAVIENT WE ARE HARRASED 24/7 BY THIS COMPANY MY DAUGHTER PAY EVERY MONTH SHE HAS PAID BACK XXXX DOLLARS ALREADY AND NOTHING HAS BEEN APPLIED TO PRINCIPLE IN FACT ANOTHER XXXX IN INTEREST HAD BEEN ADDED ON TO THE LOAN. MY DAUGHTER HAS BEEN ON AN INC9OME SENSITIVE PAYBACK PAYING APP 500 PER MONTH IN PMTS. AS OF XXXX XXXX, 2016 THEY SAID YOU MUST PAY XXXX PER MONTH MY DAUGHTER SAID XXXX I CAN NOT PAY THAT IM ON XXXX THEY SAID WELL THEN YOU CAN GO ON FOREBEARANCE. MY DAUGHTER NOT REALLY KNOWING ANYTHING TOOK THE FOREBEARANCE UNTIL XXXX SINCE XXXX HER AND I HAVE BEEN GETTING NONSTOP CALLS 24/7 FROM COLLECTORS FROM NAVIENT WHO CURSE US OUT CALL EVERY NUMBE THEY HAVE ON FILE WITHING 3-5 MINUTES OF THE OTHER CALL CHARGING LATE CHARGES AND AT ONE POINT I SPOKE WITH A SUPERVISOR WHO ASKED MY INCOME AND HOW MUCH MY BILLS WERE A MONTH AND SAID TO ME OH YOU CAN CUT DOWN ON YOUR FOOD BILL BY XXXX PER MONTH AND PAY YOUR DAUGHTERS LOAN AT THAT POINT I SAID THIS CALL IS NOW ENDING. I HAVE WRITTEN TO THE ADVOCATE AT NAVIENT NO RESPONSE. MY DAUGHTER STARTED WITH XXXX IN CONSLIDATED LOANS AND IS NOW UP TO XXXX AFTER PAYING XXXX IN PAYBACK. I AM DISGUSTED BY THIS TYPE OF TREATMENT. I WANT THE ACCOUNTS TO HAVE AN AUDIT BECASUE MY DAUGHTER DOES NOT OWE THAT AMOUNT OF MONEY AND IT LOOKS LIKE A DISBUSREMENT OF ALMOST XXXX GOT HANDED TO THE SCHOOL 6 MONTHS BEFORE SHE GRADUATED. WHICH I HAVE A FEELING IS A FRAUDULENT DISBURSEMENT. I NEED SOMEONE TO ADDRESS THIS ISSUE BECAUSE WE CAN NOT TAKE IT ANYMORE IT IS TAKING A TOLL ON MYSELF AND MY DAUGHTER RUINING OUR CREDIT RATING IF MY DAUGHTER DIDNT PAY HER LOANS TO BEGIN WITH I CAN UNDERSTAND BUT SHE PAYS MONTHLY. THANK YOU WE ARE AT OUR WITS END XXXX XXXX FOR XXXX FORMERLY XXXX XXXX, NY XXXX XXXX
I visited XXXX to obtain a copy of one credit report. After providing my personal information three times for each of the agencies, I was denied access to my report by all three : XXXX - " We are not able to deliver your free XXXX credit report online '' Transunion - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation. '' XXXX - " A condition exists that prevents XXXX from being able to accept your request at this time ''
My mortgage was one of the thousands of mortgages caught up In Countrywide Fraudlent Mortgage Practices '' The law firm working with Countrywide was Disbarred for his fraudlent practices. 
I have spent thousands if dollars defending my home and my Credit records. 
I have and also have paid several attornies who have also requested under RESPA- FDIC and other documentations Such as QWR from these companies who now claim they own this fraudulent mortgage. 
On XX/XX/2016 I mailed another request by certified mail # XXXX to all addresses listed for XXXX with only an acknowledgement letter from them stating that they have received my request but still no other response was received from them. 
Now they have listed a whopping {$760000.00} Balance on my Credit report with XXXX   and other reporting agencies. 
Which I have DISPUTED but it is still listed on my account XXXX have not sent me any proof from the company to justify them having it remaining on my Credit report. 
Please note also that this DISPUTED mortgage have been dismissed in the XXXX XXXX Court Once by the court and second by XXXX who withdrew their case after the court ordered us to go to mediation of which they stated ( at mediation ) that they showed up at the mediation only because they were ordered by the Judge XXXX, but have no intent of trying to work out anything. ( They did not act in good faith ) made me waist my money and time as I had to pay half of the mediationvfees along with attorney fees 0as well ) Then they filed the enclosed motion withdrawing their case. ( see enclosed ) Please have this company remove this false reporting from my Credit Report which is causing me GREAT HARM. 
Thank you XXXX XXXX
On XX/XX/XXXX, 2017, I found out that my personal information was compromised due to a data breach that affected Equifax over a month ago. Since then, I have been taking precautions, one of which is to freeze my credit. It is ridiculous that a company which I never interacted with is affecting me financially and that I have to pay for every credit bureau in order to protect my credit. In addition to this, to be able to check whether my information was compromised, I had to complete an arbitration clause that excuses accountability from Equifax.
XXXX XXXX XXXX, issued withdraw to bank account from the website via sepa transfer. Should arrive in 1-2 days as usual. 

XXXX XXXX, issued a ticket on the website it did not arrive. Status on website says Pending, not Completed. 

XXXX XXXX, asked again for a response. 

XXXX, received a copy paste message about a different subject ... Deposit instead of withdraw. 

XXXX, posted again Till this day no response. 

Ref Id. : XXXX
I received XXXX phone calls today between the hours of XXXX and XXXX from Synchrony bank in regards to a debt on my account. I was not award of the debt owed as they had an old e-mail address and I elected not to receive paper payments. ( I only used the card XXXX and must have forgotten that I did not sign up for autopay on the account ). I picked up on the XXXX attempt at XXXX and paid the bill and updated my email address. When I asked if I could request not to be called as frequently next time I was told that they can not control the amount of times I am called as the account is called via an auto-dialer system. I said that it was abusive to be called this many times in one day on my cell phone. They said I could talk to customer service if I would like, but I declined the opportunity as I was hoping to present my issue here. I did not provide express prior consent to be called on my cell phone. The account was purchased by Synchrony Bank about a year ago and at that time, not request for consent to call was provided to me.
I bought a XXXX and set up escrow for taxes, insurance..etc, the first payment to the tax authority was late. I called them and they said they would pay it out of escrow and they 'd pay the penalty of XXXX themselves. They ended up paying both the property tax and penalty out of my escrow even though the delay in payment was their fault.