WillisBack/dataset-financial-user-claim huggingface dataset:
Firstly, I was sold a pick-a-pay loan, which is illegal to sell to consumers in the state of Illinois. My loan was closed without a notary present. The notary 's signature was a copy, which is not accepted by the XXXX XXXX. It was not disclosed that my minimum mortgage payment could triple which it did. On top of this, the mortgage company took out an insurance policy with XXXX XXXX XXXX because they new we would default. A claim was processed by the mortgage company but denied by XXXX XXXX because of fraud. I left letters from the XXXX XXXX acquired through the department XXXX verifying this. According to XXXX XXXX, nothing has ever been recorded with them. When asked for copies of the origination papers ( requested several times ), there is always a different title company listed. The application was computer generated with a copy of my signature ( very obvious copy ). The application shows my title at Vice President and making {$8000.00} per month. They are stating that an equity line for {$35000.00} was taken 1 year later that I do n't recall. The only origination paperwork they have for this equity line is the exact same application used for the the mortgage, a year later. According to IRS transcripts, I was only making {$2500.00} per month. I was never a Vice President. My house is only XXXXbathroom. Sold comps in my area show that the value is about {$180000.00} but they keep insisting that it 's worth way more. They added forced-placed insurance on our file for several years, even though we 've sent them proof of insurance many, many times. They deny everything! Please refer to previous complaint # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Denial received on all even though I supplied proof.
I checked my credit monitoring report via XXXX XXXX and saw that ALLY Financial had instituted a " hard inquiry '' for a national credit card/airlines on XXXX/XXXX/2015. I never authorized or applied to Ally Financial for a airlines credit card. I never gave them authorization to pull a hard inquiry on my credit. This is the first reporting of this inquiry from XXXX/XXXX/2015 on XXXX XXXX. I check my credit every week thru the XXXX site and I would have seen it earlier if it had been reported. I want this hard inquiry removed from my credit report.
I got a XXXX loan with XXXX pay off. called before lone due let them know due to fraud my bank account was closed and I was waiting for new card. got new card called in and was told I was in collections and now owed over XXXX being told my employer will be called and I will be arrested if I do not pay XXXX. 
This is the person harassing me : Note : To make the payment you would have to call or text our number XXXX or email us on XXXXXXXXXXXX Attorney XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXXXXXX
In XX/XX/XXXX I sent two checks totaling XXXX XXXX dollars to Bank of America to be posted against principal as specified in the loan agreement. Rather than apply the payments against principal, BOA used these checks to pay two months ' regular payments, deducting interest. In effect they had me pay interest in advance, which I believe that BOA must know defeats the concept of interest. I believe that BOA knows it does not advantage me to pay interest before it is due, and that they were consciously trying to cheat me. The BOA internet site specifically says that any extra payments will be applied against principal, which is why I thought it reasonable to send checks without asking. 


I have talked to BOA reps and they have reversed out the bogus charges, but I think it is worth a complaint anyway, on behalf of citizens who might still trust our bank regulatory system or the honesty of whoever is running BOA. Although I 'm not much bothered by the less than a hundred dollars or so that BOA was trying to steal from me so far, I do n't like to think of how much this adds up to across all their loans, since I suspect they do it systematically. 


The only reason I became aware of this is that my payment due-date kept advancing, and I suspected that this meant they were applying my extra payments to scheduled payments and charging me interest on each one. 


The bank representative I talked to after working up the automatic phone tree and trying to sort this out with someone in XXXX explained to me that the problem was that internet site used to include an option to have an extra payment applied against principal, but this was changed around XX/XX/XXXX or so. I do not understand what bearing changing the internet site had on my extra payments, which were made by checks sent from my bank. 


Again, this is no big deal, hardly worth spending the time clearing up when I was just looking at the larger sums involved. But I wonder how long they would have continued subtracting interest out of my principal pre-payments without telling me, and how many other people they might be doing this to. 

I have n't bothered to do the arithmetic.But I think that since this morning I have about a hundred dollars more and BOA has about a hundred dollars less. Are n't you supposed to be watching these characters? Trying to make good honest Americans out of them?
Bank of american wo n't submit XXXX corrections for credit inquiries to XXXX credit bureau Inquiry XX/XX/2016 and Inquiry XX/XX/2016. This has been an issue since late XXXX. After the first inquiry. Needs to be submitted to XXXX.
BBVA closed my credit card account. I had a balance and had been paying it down. I missed one payment an oversight because I can set up auto pay. They closed my account after a week and a half. I had no idea I missed a {$16.00} payment. I had reward point that would pay that payment and more. They defaulted my points.

This happened XX/XX/2018.

I am still making payments.

They pulled my credit without permission to close my account ( they say ) this will have a negative impact on my credit score. I want to be compensated for this issue and my account reopened until it is paid off and I will let it go dormant.
I made my second to last lease payment of {$390.00} with US bank before the XX/XX/2016 due date. I received a call on XX/XX/XXXX that the payment was not received. I explained that I made it online, and they said that the information must have not been entered correctly. The US Bank website is truly awful with no way to even save your banking information, it must be manually entered every month. I made another payment online that day. I received another call on XX/XX/XXXX that the payment was still not received and it was over 30 days late and may come up on my credit report. I also received a letter after that stating that it was over 30 days. In the 36 months of this lease, and all my financial responsibilities for that matter, I have never been late with a payment. My credit is perfect when it comes to on-time payments. The website malfunction was not communicated properly until it was too late. I should have received at least another call or a letter prior to the the 30 days. I finally made the payment over the phone on XX/XX/XXXX to make sure it was received. I wrote a letter to their CRA management office with no response and I have disputed this delinquency with the credit bureaus with no resolve to my satisfaction. I was a great customer and I believe I deserve better.
I had applied for a loan and authorized a credit inquiry. However, my credit was pulled subsequently, before credit documents expired, without my explicit consent or knowledge.
XXXX XXXX XXXX, XXXX XXXX of XXXX I requested to have my co signer released from my Discover Student Loans which were originally disbursed and serviced by XXXX, XXXX. 
I received the attached letter denying this request, stating my credit score resulted in the denial for the reasons below. My Credit Score is XXXX which is below average however I have an excellent payment history with Discover and all of my student loan servicers despite the astronomical amount and unbearably high interest rates. My interest rate with Discover is 10.875 %. 
1. ) Serious Delinquency2. ) Proportion of Balances to Credit limits is too high on bank revolving or other revolving accounts. 
3. ) The time since delinquency is too recent or unknown4. ) Proportion of loan balances to loan amount is too high. 
Please see my responses below to each numbered item. 

RESPONSE TO 1. ) There are no delinquencies on my credit report and to the best of my knowledge there have been no delinquencies in my financial history since XXXX. Please see my full credit report attached. 
RESPONSE TO 2. ) I have minimal Credit Card Debt of {$800.00} which is paid on time and I have no overdue balance over my limit. If this is referring to my Student Loan Balances, the balance to credit limit ratio is due to high interest rates SUCH AS Discover 's Rate of 10.875 % RESPONSE TO 3. ) The Time since delinquency is not recent. As previously mentioned there are no delinquencies on my attached credit report which has balances dating back to XXXX. 

RESPONSE TO 4. ) The proportion of my Loan Balances to Loan Amounts are too high because of high interest rates again, citing XXXX high interest rates of 10.875 %. 

CONCLUSION : This application has been denied because of my credit score which has been directly impacted by Discover and my other Student Loan Servicers. Given the predatory policies of these lenders it is almost impossible to achieve an average to good credit score. I respectfully request that Discover takes into consideration my excellent payment history, reverses their decision and releases my cosigner. 
Once my co-signer is released I will have a better chance of refinancing these loans in an attempt to build a more stable future.
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX Account Number Num : Balance {$640.00} Dear Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I purchased a  XXXX   XXXX   XXXX  in  XXXX   XXXX  and paid on it until till  XXXX   XXXX . I ran into financial trouble and voluntarily let the car go back. Now the loan company prestige financial has sent me a summons for the amount of  XXXX  dollars when I bought it for  XXXX  dollar. It was repo in  XXXX   XXXX  and sold to auction
I have a capital one credit card. Harvey hit back in XX/XX/XXXX and at the time after I had to make a new checking account. This card has always been in great standing and is paid on automatic draft. In XX/XX/XXXX I paid over XXXX to the card but forgot that I had to switch my checking account with everything going on with the disaster. capital one ended up saying I missed about even though I paid over {$500.00} XXXX and marked it to my credit. I am asking this be removed due to it affected my score and I have always been on time and # 3 I had already made a {$500.00} payment instead of {$24.00} Thank you for the help XXXX XXXX
Bank of America XXXX Platinum Plus Mastercard. I have an auto-payment for the statement balance set up to come out on the due date. BoA only makes the minimum payment, thus surreptitiously ensuring my card has a balance, which they can then charge fees and interest on. For example, on XX/XX/XXXX the auto payment made a {$30.00} payment ( the minimum amount ) instead of the statement balance of {$1200.00}.
I have a collection account with Portfolio Recovery. I have picked up my phone, made payment arrangements with Portfolio Recovery, have been making ACH scheduled payments from my checking account every week, and my credit reports have yet to show the all the updated information fields on all  XXXX  of my credit reports ... THERE IS ALWAYS SOMETHING MISSING OR BALANCE INCORRECT, ALSO THE FACT THAT I HAVE SCHEDULED PAYMENTS AND THE AMOUNT OF THE LAST PAYMENT IS MISSING, AND/OR DATE OF LAST PAYMENT IS MISSING OR INCORRECT .... I AM PAYING THE ACCOUNT IN FULL TO YOU, AND YOU GUYS CAN NOT SEND COMPLETE CORRECT INFO TO ALL   XXXX   CREDIT BUREAUS? PORTFOLIO RECOVERY BOUGHT MY CHARGED OFF CREDIT ACCOUNT FROM MY ORIGINAL CREDITOR ... .. IN WHICH, MAKES PORTFOLIO RECOVERY MY CREDITOR NOW, YOU ARE NOT WORKING ON BEHALF OF ANY OTHER CREDITOR ( YOU BOUGHT AND PAID FOR MY CHARGE OFF ) AND SO I BELIEVE THAT NOW, SINCE YOU REPORTED MY ACCOUNT AS NOW YOURS HERE JUST RECENTLY CHANGED, I WOULD THINK THAT NOW SINCE YOUR NAME HAS BEEN CHANGED TO REFLECT " CREDITOR '', AND MY PAYMENTS ARE BEING PAID ACCORDING TO OUR AGREEMENT SCHEDULE, THAT THE LEAST YOU ALL COULD DO IS NOW REPORT CORRECT COMPLETE INFORMATION TO ALL  XXXX  OF THE BUREAUS. IF YOU DO NOT REPORT TO ALL  XXXX  BUREAUS, THEN WHY ARE YOU ON ALL  XXXX  OF MY CREDIT BUREAU REPORTS?? ALSO, WHAT IS THE DEAL ABOUT ANOTHER ACCOUNT FROM 1993? I KNOW WHAT IT IS, AND WHERE IT CAME FROM, AND I WILL NOT PAY IT UNLESS YOU REPORT IT. I WILL NOT MAKE PAYMENTS FROM MY CHECKING ACCOUNT WITH MY ROUTING AND ACCOUNT NUMBERS, AND MAKE ON TIME PAYMENTS TO YOUR COMPANY FROM AN ACCOUNT BACK IN 1993 UNLESS YOU REPORT IT AS A BRAND NEW ACCOUNT AND REPORT IT TO ALL  XXXX  BUREAUS, AND STATE THAT ACCOUNT IS IN GOOD STANDING AND PAYMENTS ARE CURRENT AND ACCOUNT IS NEWLY OPENED. I WANTED TO PAYBACK MY ORIGINAL CREDITOR   XXXX   XXXX   .... THEY WILL NEVER GET PAID BACK BECAUSE YOUR COMPANY BOUGHT MY ACCOUNT. I REALLY SHOULDNT PAY YOUR COMPANY ANYTHING, PERIOD. BUT I AM, SO IF MY REPORTS DO NOT START REFLECTING GOOD COMPLETE INFORMATION, THEN IM DONE.
Re : PORTFOLIO RECOVERY ASSOCIATES and Multiple Disputed Accounts. To Whom it May Concern, I have disputed all of these accounts with Portfolio Recovery Associates in writing on multiple occasions, asking you to provide me with any contract between us, containing my signature, thereby proving that these are indeed my accounts, and that I have any contractual obligation to you. You have continued to reply to me with unrelated paperwork, and have failed to do this repeatedly. Your company also did not reply in a timely manner with the exact information that I have requested in multiple certified letters that I have sent, which you signed for, on XXXX  and XX/XX/17. By not replying in a timely manner to my correspondence, and failing to provide what I have requested of you for validation, not verification, you have not only violated federal and state laws, but you are continuing to report these alleged accounts inaccurately and causing me undue financial hardship. These inaccurate, unvalidated, unverified accounts that you continue to report to my credit files are causing me ongoing financial and emotional distress. They should have all been deleted long ago. Should you continue to choose to report this inaccurate data to my harm, and choose not to delete these accounts right away from all Credit Bureaus and third-party data providers, I will certainly file small claims actions against your firm for the maximum remedy provided to me by law. I have indicated this intention in correspondence with each of the Credit Bureaus as well. I am keeping detailed records of all correspondence with your firm, and the bureaus, which fully supports my position. And I will utilize it to file said claims should your continued negligence and inaccurate reporting make it a necessity. In addition, any court judgment upon which Portfolio Recovery may be claiming to rely upon to defend their position will certainly be challenged by me in court as Void on Its Face, lacking subject matter jurisdiction. I was unable to attend any hearings in order to defend myself, and case law which I have researched will support that any said judgment ( s ) are in fact void, based entirely upon third-party hearsay, no proof on record of a contractual obligation directly between myself and XXXX XXXX, and are supported primarily by unchallenged affidavits of fact which were provided to the court in my absence. By way of example of relevant case law, I offer the following : Default judgment must be proved by evidence entered on the record through a competent witness. See XXXX XXXX XXXX vXXXX XXXX XXXX XXXX of the XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ). Statements of counsel in brief or in argument ARE NOT FACTS BEFORE THE COURT AND ARE THEREFORE INSUFFICIENT FOR THE COURTS SUMMARY CONCLUSION, XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.
Original Servicer for my Mortgage was XXXX XXXX XXXX who went bankrupt and sold my loan to XXXX XXXX, then sold to XXXX ( XXXX ), who stated during the time of the loan, there had been no payments for the past 389 days. In the mist of resolving the problem ( during my own investigation, retrieving documents from XXXX XXXX verified since all payments were sent by US Mail, because checks were not permitted while in Chapter XXXX. XXXX sold the loan once again to Seterus and added {$25000.00} to the loan. Home purchased at $ XXXX on XXXX XXXX XXXX. While in Chapter XXXX, since XXXX fees were assessed, cost of misc issues assessed. I have a copy of the letter sent to me from XXXX XXXX stating the monies sent to XXXX XXXX for payment of mortgage. I was not sure where to start here but I knew as soon as my BK was cleared I could take some kind of action. I could not afford a Lawyer because all my funds were accounted for. During this time I had to file BK to save my home, we have been in the home for 8 years. Seterus offered me a modification at {$44.00} less than my original payment of {$1700.00} which did not help after 6 months to process. They offered me nothing at this point accept for the XXXX options : Deed in Lieu, Short Sale, or Foreclosure. I have opted to use the Deed in Lieu, which was the only viable option and protect my credit from further damage. In XXXX became XXXX and had to retire from my job which was a lost of $ XXXX a year. This is just the nuts and bolts of this claim and this has had a detrimental effect on my wife and I, who is XXXX as well. I asked for a VA Loan since I am a XXXX year Veteran and they gave me the rules in spite of this gross error in accounting and servicing of my loan.
XXXX XXXX notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income
This complaint is off of a closed complaint ( complaint # XXXX ). I had a loan with Wells Fargo and they would not remove the incorrect balance. So what I did is had this account negotiated for paid in full for less than full balance.The agreement was that I pay {$1900.00} in return as paid in full and report a XXXX  ( {$0.00} ) balance. I made the payment and they told me they can not send me a letter until after the payment was made. I think they tricked me because now I still have a balance of $ 4,000+. I have all correspondence needed to show you. 

They told me this would be paid in full for less than full balance. They have lied to me and took advantage.
I received an active credit card from Wells Fargo Financial National Bank that I did not apply for.
SLS took over as loan servicing for our HELOC in XX/XX/XXXX.  This is our second complaint with them.  To date, they have not resolved this situation and in fact the situation has gotten even worse.  After going through all payments, I discovered that the account number was off by one.  I forwarded the information to them, as they have accepted payment anyway, corrected the account number on our bill pay service and have been submitting payments under the corrected account number.  They have since refunded all monies submitted under that number.  I also sent all documentation into the company per the previous complaint and they have taken no action or been in communication since their initial response letting me know that hey had received my correspondence.
I request that this gets handled immediate, that all funds that I have paid to them be credited to my account and all future payments be credited immediately to my account.  I also expect that nothing will be reported derogatorily to the credit agencies regarding this matter.

Here is a copy of the latest e-mail that I have sent to them, without any resolution to this matter that was sent to them on XX/XX/XXXX

Cc: XXXX XXXX 
Content-Type: multipart/mixed; boundary="XXXX"

--XXXX 
Content-Type: multipart/alternative; boundary="XXXX"

--XXXX
Content-Type: text/plain; charset="XXXX"; format=flowed; delsp=yes

Good Afternoon,

Please see the attached summary of this account and the bank statements for
proof of payment for the above referenced loan. I have outlined each
payment on each statement for your reference.  As you can see, there has
been 2 payments, one for the regular payment due on this account and one
towards principal only, each month since SLS has taken over the servicing
of this account in XX/XX/XXXX

In researching these payments to resolve this discrepancy between your
records and mine, I have found a possible error in the payments to SLS.  It
is possible that payments have been submitted by our bank bill pay system
to an incorrect SLS account number: XXXX. The correct account number
is XXXX.

In my experience with SLS, this problem could have easily been solved in
XX/XX/XXXX has customer service representatives been better informed with
the facts at hand.

I have cc'd my attorney, XXXX XXXX XXXX, on this correspondence.  It is
with my permission that you are able to speak with him with this matter
should the need arise.

I look forward to the payments I have made to SLS being correctly credited
to my account immediately and to the hasty resolution of this matter.

Thank you

XXXX XXXX
(XXXX) XXXX

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