WillisBack/dataset-financial-user-claim huggingface dataset:
Case number : XXXXWith all the letters that I have sent to Chase Bank requesting verification of an account I have received no letters from them back stating that they have received my letters that were sent certified mail. 

This raises other issues in addition to my complaint XXXX.
Keynote Consulting is attempting to collect a debt that is not owed for XXXX XXXX, whom I am also filing a complaint against. In XX/XX/XXXX, Keynote Consulting had began to report on all 3 of my credit reports a debt owed of {$1200.00} on behalf of XXXX XXXX for a XXXX XXXX that the original contract was for {$800.00} and they illegally charged me over {$1200.00} before I had to close my bank account due to the company refusing to stop the XXXX payments on an item that was not only paid off, but also returned. Not only was the original account with XXXX XXXX closed in XX/XX/XXXX, but they continually add charges to this closed account monthly, now totaling {$2200.00} to this date and it rises continually monthly. Not only has the {$1200.00} I have paid more than cover the original contract of {$800.00}, but again, the item was returned and this company refuses to remove this false and illegal debt. I will be taking legal action against both companies due to the illegal practices taking place. Neither company will ever receive another dollar from me, and if this continues, and is not resolved once and for all, I will have no choice but to sue both companies as I have my contract and bank receipts for what was paid as well as the emails and credit report copies with false information and illegal charges.
I spoke with the creditor once and told them that I was investigating this as I had received several different bills from this medical company. I asked for any documentation that they had to tell me of this bill. None was supplied. No terms of payment were supplied either. After I sorted through my information I was unable to tell if this bill was accurate. Then, it shows on my credit report several times for a total of {$650.00} on Transunion and XXXX reports. Please remove this from my report as I have paid it as of XX/XX/XXXX and will continue my investigation as to where it come from. I will expect a full refund if this is inaccurate.
almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; Experian, XXXX, and XXXX. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.
On XX/XX/XXXX a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this, I contacted XXXX/XXXX  XXXX XXXX XXXX who investigated the same and verified that the contract employee had fraudulently signed the previously mentioned agreements in my name. XXXX XXXX XXXX XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services in a timely manner and yet I am still being billed for services that I did not agree to receiving. 

Collection efforts are now being instituted against me by ERC located at XXXX XXXX XXXX, XXXX, FL XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. 

I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was very familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she would be willing to verify this fact in writing if need be.
In XX/XX/2018 I sent proof that my account had been paid in full before a judgement was taken against me. They have done nothing so I called back today and was told they found the proof I sent but they needed to research some more since they dont know where the money was because it wasnt put towards my account. Said to call back again the next business day. This issue is effecting my ability to get a real estate loan that is in process currently and is delaying me closing.
Scam and charge for consolidating student loan. Great Lakes Servicer Referred me to a scam called XXXX XXXX XXXX. Illegally charged me XXXX to consolidate my loan. It was the fault of Great Lakes who did the referral.
I was deceived into obtaining mortgage with Citibank by XXXX XXXX. I was promised closing costs of {$1500.00}, and received bill due in the last moment of {$2300.00}, which is {$860.00} in material injury to me. 
Several facts why this constitutes a violation of UDAAP : 1. I am a first time buyer, with no knowledge of mortgage industry or anyone who went through this process and could help. 
2. Since I am not sophisticated enough to understand the large amount of files provided to me. That 's why I asked XXXX XXXX to clarify for me knowing my situation and all numbers how much closing costs will be. See email attached about me asking. In response XXXX called my cell and explained that official papers always overestimate the closing costs, for me it will be no more than {$1500.00}. 
3. If I knew about the real costs of closing, I would have gone to a different bank for mortgage. For example, I have had relationship with XXXX XXXX representative in regards to my purchase. 
4. I asked for closing documents several times closer to the closing date, but received a copy with final numbers only after XXXX of the day preceding closing at XXXX the next day. This is violation of 24 hours minimum disclosure. 
5. I was promised {$500.00} if I sign up for direct charge of mortgage payments from my citi checking account, but was given the full credit only in unsuccessful attempt of remediation of my high closing costs concern. Fact : I did sign up for direct debit. 
6. It has been over 90 days and still no remediation or reimbursement have been offered, although I have received calls about my negative experience and financial loss. 
7. Every time I asked XXXX XXXX a question about costs, he would not reply in email, but call me or ask me to call him ( see text messages screen ). 
I tried emailing the bank for resolution, there are no e-mail addresses available. I called and discussed my complaint with customer service, but noone ever got back to me or tried to resolve this issue.
I would like the incorrect name XXXX XXXX XXXX removed from the Equifax report as there has never been such a name used by me. Thank you
CFPB Case XXXX ( XXXX XXXX XXXX ) CareCredit Acct Ending in XXXXWe continue to dispute the billing practices and strange late fees and other " sales '' that this company has continued to leave on our credit reports since 2006!! In investigating Synchrony Bank today I learned that they have over XXXX Complaints that have never been resolved! In my opinion, this bank will probably never reveal how much income they receive from these practices of strange " sales '' fees and late fees that actually were a product possibly designed to create income from those actions. BEWARE! I will continue to discuss this with senators and congressmen until those old, irregular data is removed from our good credit!
New loan service agency is demanding that I as a third party authorized interest in an existing loan have knowledge of the original borrower 's Social Security Number in order to verify the loan.
I sent commonwealth financial a debt validation in the mail and fax on XX/XX/2015, its been over 30 days, they never responded with doscumentation of account, thats a violation of fcra and fdcpa i want it deleted from my XXXX credit file right away.
I have a Wells-Fargo student loan. I have never missed a payment, and I pay more than the minimum amount due. I attempted to consolidate the loan to get a lower interest rate and was told that I could n't because I have a cosigner whose income was not sufficient. My father is retired and his profit sharing/Social Security does not count as income. When I attempted to remove my father as a cosigner, I was told that, despite the fact that I have never missed a payment and pay more than the required amount, I could not remove him because I have too much debt in relation to my income. The debt that puts me over is most likely Wells-Fargo. I net $ XXXX/month and I pay {$640.00} to Wells-Fargo, though I only have to pay {$500.00}. I just want to remove my father as a cosigner. They are factoring in my car payment, rent, federal loans, etc., even though that debt has not stopped me from paying them. I do not receive support from my father. In fact, I live in a different state. I am XXXX, married, and living on my own with my wife, and can support this with documentation. I asked Wells-Fargo if a letter from my father explaining that he does not pay for my loan and a letter from my bank stating my father is not on the account would be enough to remove him, and they said no. At this point, I just want to remove him so he does n't have this hanging over his head. Whether it results in a lower interest rate is no longer the main reason. I am tired of conglomerate banks giving out loans to people, then saying that they do n't make enough money to pay them back. Why would you give money to someone who you do n't think can afford the payments? THAT should be illegal. It 's no different than banks giving mortgages to people who will obviously end up in foreclosure. Banks are destroying the American Dream one student loan at a time, and frankly, it needs to stop. All I want is my father off as cosigner and, if possible, a fair interest rate with a payment that wo n't cripple me. Evidently, that is too much to ask. So I 'm done going though the lender. I am going through my legal, government-sponsored resources.
I was a victim of fraud on XXXX XXXX 2017. An individual pretended to be an IRS agent and told me that I had owed a one time charge from Federal loans from school. This individual had all of my personal information, including the address of my workplace and as well as my background information. He gave very specific instructions and that I should follow or else they were going to arrest me with a warrant on the same day. 

Feared for my life, I ended up purchasing gift cards at two different XXXX stores on the same day which totaled up to XXXX. When I finally found out that I was being scammed I had immediately called the police, notified discover about the incident and went to one of the XXXX stores to see if there 's anything that I can do. At the store, the associates had informed me that there was n't anything left on any of the gift cards and gave me a number to call to seek better help from XXXX. When I called the next morning, the associate on the phone had informed me that they 've known about scams such as for the last two years and that my loss is minor in comparison to others. 

After about a month and a half later, I had called XXXX once again for a related issue. This time around, an associate had was actually kind enough to see if there are any balances left on any of the gift cards. To both of our surprises, there were actually balances left in one of the cards but we were a step too late as the individual had actually already made a purchase right before we were able to stop it. The associate had informed me that the detective will be able to trace purchases made as they have cameras installed in stores. 

Right after I got off the phone with the associate, I contacted the lead detective on my case immediately and translated the piece of information over. To my surprise, she was confused as well since when she had reached out initially, XXXX had informed her that there is no balance left in any of the gift cards. 

I then had also reached out to Discover, who had informed me multiple times on several phone conversations that they will be able to cover my loss initially but went back on their words and pretty much told me that I 'm responsible for the charges unless I have further evidence. When I had contacted them with further evidence, they had told me that they do not accept recordings or police report and that the case is closed. But I do n't see that written anywhere on the website besides being told verbally over the phone. So now I 'm buried with charges that I was informed initially that I wo n't have to be responsible for and have absolutely zero help from anyone.
XXXX  will not correct my prior student loans off my account, some were fraud some a double posting. All over 7 years ago, some still on after 15 years ago. I used muilti lawyers firms and XXXX XXXX to settle my account. None are even to be posted to my account. 

XXXX  noted in my dispute file that I have already disputed the account and they don't have to do anything else about it.. 

Federal and state illilgal. I should be able to dispute any files till it's corrected.
Hello, I received a letter some years ago stating that I was part of a discrimination lawsuit against ally financial .They charged me extreme amounts of interest it was ridiculous, then I had gap insurance on the car and they would not honor the GAP agreement.They are very nasty on the phone and have very poor customer service. Very frustrating dealing with this company, please advise of any info you require from me. My account number is XXXX, please help, Thank You
On XX/XX/XXXX I sent letters to XXXX, Experian, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
I have tried numerous times to contact the collection agency. I have been hung up on while speaking. They refuse to work with me even after providing evidence of payment. The amount owed is incorrect and should only be {$19.00}
I set up a date with the collector from ez money payday loans to pay a settlement amount he couldnt do it the same day because they were still trying to collect it from my account the collector called me a day early, then called me the next day. I tried to pay it and he decided to raise the amount by {$50.00} then refused to take anything less which I could n't pay. Now they are calling me at least XXXX a day on the same number which I have told them several times is inconvient to me.
Ditech Financial is continuing to report a balance and collect on a debt, for a house sold. The balance was taken care of, and also this debt is past the statute of limitations.
I applied for a  XXXX   XXXX  Credit card in the store was approved and used the card once. Received my statement and made payment on time. A month later the bank closed the account stating too make inquiries on my credit report. This is a horrible way to do business. The company at most should have lowered the card limit to an amount they felt comfortable with.
I am being harassed and threatened by XXXX about some debt owed that I do n't recall. They say I owe Over {$9000.00}. 

They contacted me and surprised me and pushed for me to settle the account. I did not know what to do with being threatened with court and the balance. 

I in duress set up a plan based on the threats. Once I got home I still could not remember aby debt from Cash Call. They said I probably took out a loan for {$2500.00} but I owe over {$9000.00} now. 

I requested some kind of proof to show me what the bill is and they refused. They told me that " they will only send proof to an attorney so I better get an attorney ''. I ca n't afford an attorney for a debt I font even remember or know is mine. I requested proof several times and told them I dispute this debt until proof of the debt is supplied. 

XXXX who is the collector said that I am an irresponsible person and I should be checking my credit once a year. I pulled my credit and could not find this debt. 

They just emailed me that they are sending to the fraud department for investigation. All I asked for is something showing it is my debt. 

I ca n't handle the threats and abuse anymore.
In XX/XX/XXXX I began making additional payments to my auto loan that were not applied correctly. After speaking with Santander they informed me that I should make two separate payments to avoid accounting problems, which I began doing in XX/XX/XXXX. On XX/XX/XXXX, I checked the account and realized that my payments were still being applied incorrectly. I spent an approximately an hour on the phone with one of Santanders ' representatives going through all payments and the way they should have been applied. At the conclusion of our call on XX/XX/XXXX, I was informed that {$1700.00} would be applied to the principal of my auto loan by XX/XX/XXXX. On XX/XX/XXXX I called back in to check the status of my account only to be told that the principal payment request was never submitted. I went through the same payment review process with a new Santander representative on XX/XX/XXXX and was told that a supervisor by the name of XXXX had submitted a request to have {$1700.00} applied to the principal of my auto loan. I was informed that the request should be completed by XX/XX/XXXX. On the morning of XX/XX/XXXX, I called in once again to check the status of the additional payments that were made on my account only to discover that the principal reduction request was only submitted for the amount of {$500.00}, and was still not applied to the account. At this point, I am a week into the process of trying to have money I 've already paid correctly applied to the principal of my auto loan and have yet to obtain any specifics as to when or if it will done. I have only been told that we are waiting on accounting to complete the request, which again, does not solve the issue because the principal reduction was only for the amount of {$500.00}, which means {$1200.00} still has not gone to the principal of my auto loan even though I 've already paid it. I have no idea how Santander operates internally, nor is that my concern, but from a consumers ' perspective the level of incompetence and the inconsistencies within Santanders ' standard operating procedures is appalling. More importantly, the blatant lies with respect to payment processing is unacceptable. At no point should any company be permitted to mishandle or misappropriate funds that have been received by consumers without penalty. The fact that Santanders ' representatives have all lied, speaks to the integrity of the organization as a whole. The corporate culture of an organization is clearly reflected by the caliber of individuals they permit to interact with consumers on their behalf. It has become my sole mission to ensure that no one else has to endure the level of mistreatment I 've been forced to tolerate. Furthermore, I will remain steadfast in my resolve to ensure that the as much of the general public is aware of Santanders ' deceptive practices as possible. Based upon my experience, it is apparent that Santander is only concerned with increasing their profitability without regard for the consumers upon which their organization has been built.
i have tried for about 2 years to repay my student loan i was offered a plan to get my loan out of default was paying about XXXX dollars a month around XXXX. the customer service person i spoke with explained that once my loan comes out of default the payments would be around the same amount each month. That was not true i was lied to and i still do not know what to do about my student loan i want to pay my student loan. the company is ECMC. AGAIN I WANT TO PAY STUDENT LOAN BUT AS A CONSUMER I AM CONSTANTLY GETTING THE RUNAROUND IN THE MEANTIME INTEREST IS STEADY BEING ADDED TO MY ACCOUNT THIS SHOULD BE AGAINST THE LAW THAT COMPANIES ARE DOING THIS TO CONSUMERS.
Creditor did not remove collector XXXX XXXX XXXX who sold the collector account over to a new collector.
On XXXX/XXXX/2016, my checking account showed pending transactions with a positive balance to cover those transactions by XXXX XXXX. My account did not show a pending transaction for a XXXX payment. Also after XXXX XXXX any deposit to the account will not be processed. During the nightly process between XXXX/XXXX/2016 & XXXX/XXXX/2016, Wells Fargo processed and posted the previous pending transactions that I was aware of at XXXX XXXX Wells Fargo also processed and posted a XXXX payment that I could not see. Because it is a recurring payment, it will be processed even though I do not allow over drafting. However, I could not see the time it came through to my account until the next morning at XXXX XXXX Wells Fargo processes overdraft fees by XXXX XXXX. I deposited {$20.00} cash into the ATM around XXXX XXXX in order to bring my account positive before any overdraft fees. After my deposit, Wells Fargo posted an overdraft fee to my account. This suggests that Wells Fargo took advantage of this recurring payment by not allowing it to post on my account as a pending transaction, but rather process the transaction over night and post it to the account after the nightly processing hours. In doing so, Wells Fargo would be able to assess a profitable {$35.00} overdraft fee for a roughly - {$16.00} balance. This concerns me because I never saw the transaction pending XXXX/XXXX/2016 before XXXX XXXX the cut-off time for deposits. I feel taken advantage of and mislead by Wells Fargo. I also have lost trust and faith in the financial institute and do not have confidence in other financial institutes. Banking is an essential part of my personal life, an essential part of my financialgrowth, and an essential part of my business beginning and growing.
I obtained my credit report from all three bureaus at the end ofXX/XX/XXXX. I updated and removed any information that was inaccurate on my report. I sent two certified letters to AFNI collections agency on XX/XX/XXXX asking them to validate the debt they are reporting on my credit file. I asked for original signature and the contractual obligation that connects me to this debt. The debt amount is {$980.00}.
This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, XXXX , XXXX, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home.
In XX/XX/XXXX I  took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week.
On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XXXX and XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XXXX arrangements with XXXX, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract.
Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.