WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted this company for a short term loan, but it has become massive and they take my money any time they want, they took the money on  XXXX / XXXX / 2017  Friday, I had called to ask that this payment be put off for  a 2 we ek period, they told me it would be put off, but they hit my bank anyway, overdrawing my account, they pay date next is  XXXX / XXXX / 2017  but they took it early, and now my account is {$190.00} to the bad, and I have a text and pay schedule showing  XXXX   XXXX ,  2017 . This company does n't have to go by the rules then I do n't want to do business with them and they should be shut down. They took {$120.00} when they said they would not, then they took {$120.00} 2 days early, costing me {$36.00} in NSF fees   XXXX   times total {$72.00}. I call them and they are disrespectful, and you are there personal ATM. I asked that they not take anymore money, I only borrowed {$400.00}, and have paid that back and some.
From XXXX through XXXX 2015 I was enrolled in automatic payment with my mortgage lender, PNC. On XXXX/XXXX/15 I went on line with the intent to cancel auto pay. I thought I had successfully done so. I got an email from PNC confirming I had made changes. I thought my cancellation was processed. On XXXX XXXX I went on-line and paid my bill. XXXX mortgage payments came out of my checking. It then took begging and pleading to get the money back and additional begging and pleading to get it back electronically, as they wanted to snail mail it to my home address, and I was on vacation meaning it would be XXXX before I could have the funds to deposit and then I 'd need for my bank to clear them. The letter I received which I thought was confirmation of my cancellation was a non-specific notification of " a change ''. It turns out the draft date changed from the XXXX of the month to the XXXX. That is not what I thought I did but I had no way to know that because the letter was vague and I never got any notification of a new draft date or amount. I did not plan for or expect to have a double mortgage payment. Nor did I think it should take several phone calls and over 2 hours to fix. My initial call to PNC was on XXXX. Eventually they promised to wire the funds on XXXX and said they 'd be in my account by XXXX. Today is XXXX, still not there and now they say they did n't send it yet but will send it today.
I am requesting that you remove Monterey financial aka XXXX funding off my credit report. I dont owe the debt. Monterey financial failed to follow the proper procedures for the fair credit reporting act. They are falsely alleging that I owe of {$6000.00}. The account was removed, then illegally put back on my report. They have filed delinquent unfair reporting to all three of my credit bureaus reports. Please have them remove these delinquent records from my credit reports as they have failed to follow the correct procedures in violation of thd fair credit reporting act.
XX/XX/2019 Navient gave me a lowered monthly payment. They took the money out of my account the same day. 
Today ( XX/XX/2019 ) I was informed through email that I did not qualify for the loan modification. 
Am I wrong in believing that if they took the modified payment amount out of my checking account, they have entered into a contract through their action? Is their attestation that I didn't qualify for the loan modification after taking the adjusted amount out of my account an attempt to break that contract? 
Thanks for your help in this matter. 
XXXX XXXX
I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.
On XX/XX/XXXX I opened an account at Webster Bank. As part of a promotion, "XX/XX/XXXX-XX/XX/XXXX {$350.00} '', after opening the premier checking account with a {$500.00} deposit, and making a direct deposit of {$500.00} or more by XX/XX/XXXX, I was to receive the {$350.00}. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made direct deposits of more than 500.. I was supposed to receive a {$350.00} bonus, credited to my checking account. The bonus was to be paid by XX/XX/XXXX. I did not receive the payment by XXXX.despite the fact that I met the requirements. I called customer service at Webster bank over 12 times, and got nowhere.
I had a contractor who fraudulently endorsed a third party check with my mortgage company 's endorsement instead of sending it to my mortgage company the contractor deposited it into his checking account which was JP Chase Morgan. My mortgage company then filed the appropriate documents which were affidavit confirming that the endorsement on the check was not their endorsement. JP Chase states that they are willing to return the said funds but claim that they will only do this if my mortgage company send them documents of my mortgage history. My mortgage company advised me against such an agreement stating that the affidavits from them should be sufficient enough to have the said funds returned and that what JP Chase bank is attempting is illegal. It is my belief that JP Chase is aiding and abetting the crooked contractor who believes that the unauthorized work he completed on my home should be offset from his fraudulent activity. In fact JP Chase refuses to communicate to my mortgage company as to why they are requiring my mortgage history. I know that the crooked contractor threatened to file a lien on my property if he did n't get paid which he is allowed to do on his own accord, but it looks as though he has involved his bank JP Chase in his criminal activity. He is more than welcome to file a complaint with his attorney for the unauthorized and shoty work he has done to get this situation resolved. JP Chase Morgan Bank is attempting to extend the process by asking for my mortgage history which they were aware my mortgage company would not agree to therefore causing a stalemate situation. My mortgage company believes that once JP Chase Morgan is in reciept of my mortgage history they will release the check fund to their client.
I found XXXX unauthorized charges of {$17.00} on my Amex card for premium car rental insurance. I called to get refund and was told that on XXXX/XXXX/15 I had " enrolled '' in the premium insurance by phone ( which I do not recall doing ). I was told I could not get refund because I had in fact rented the XXXX cars. I asked for documentation of my enrollment. The agent then went away for a few minutes, came back and said my enrollment " was a mistake '' and he would cancel the program and refund the XXXX charges.
I closed my Capital One 360 savings account because Capital One cancelled my XXXX credit cards without any notice. I now get advertisements over the email for Capital One 360. I want them to cease and desist.
I have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... .... I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.
Paypal Credit 's website is confusing and does not accurately reflect all activity. When speaking with representatives like XXXX, it 's confusing to them and they can barely follow along with it. I am not receiving statements, which proves it difficult to determine the due dates on the accounts. The Reps are n't knowledgeable and the only thing they repeat to you is the amount due on the screen.
The Petitioner XXXX XXXX XXXX  hired Rubin & Roithman, LLC and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX XXXX County. 

In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.
THIS ACCOUNT IS NOT MINE, I WAS ONLY authorized user while working for company. PAYMENT WAS NOT MINE FURTHERMORE IF IT WAS MINE IT WOULD HAVE BEEN INCLUDED IN MY BANKRUPTCY
XXXX XXXX  XXXX, XXXX sent me a debt collection letter. I received this letter on XXXX. On the same day, I responded and asked the collection agency to validate the debt and provide HIPPA authorization. On XXXX, I received another letter dated XXXX from XXXX. The letter states that the charges were verified with the original creditor and included an itemized billing. An itemized billing does not validate the alleged debt pursuant to FDCPA and FCRA. In response, I mailed another certified letter on XXXX requesting validation of the debt and HIPPA authorization. This was after calling the collection agency a few days prior and being told by a XXXX employee that they would keep reporting to my credit unless I paid them. The second letter requesting validation was received by XXXX, but they have yet to respond with proof of validation or any other written communication. The only communication that they have made with me were phone calls demanding that I set up payment arrangements with them. XXXX last called me on XXXX after I had already requested that they not call me. I would prefer written communication. More specifically, I would like written communication reflecting a validation of the debt they claim I owe to them. According to the FDCPA and FCRA, unverified and/or debts not validated should not be allowed to be reported to my credit report without proper proof if such proof is requested. I have contacted XXXX about XXXX XXXX reporting, but XXXX has not provided XXXX  with proof of validation or verification either. It is unfair and unlawful for an unverified and unvalidated debt to be reporting to my credit especially since I have made multiple requests requesting proof to resolve this matter. This is a clear violation.
I have disputed these medical bills they are fraudulent I have full coverage medical insurance from XXXX and before that my job gave me insurance .I have asked this company XXXX to give to me the original signed documents also i have ask the credit companies transunion for my signature on these documents, they have had months to show me the original documents they have not done it.I have this right. Or they need to take these off my credit report .this is a scam collection agency account resolution services they never provide original signed documents.
Portfolio Recovery is attempting to collect on a debit they purchased from XXXX XXXX. They claim the account number from XXXX XXXX is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with XXXX XXXX ended in XXXX. I paid the account in full XXXX of 2013. XXXX XXXX failed to properly record my payoff. XXXX XXXX tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to XXXX XXXX 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). XXXX XXXX 's counsel motioned for dismissal prior to trial and cased was closed. 

I have disputed the account, presented proof of payment to the courts and yet XXXX XXXX sold XXXX of the accounts to Portfolio. How many times must I be harassed over a paid account? 
I wrote Portfolio after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full. 
If XXXX XXXX 's counsel failed to notify XXXX XXXX of the law suits outcome and or XXXX XXXX failed to notify Portfolio that is not my problem. 

Portfolio has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.
XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /  XXXX    XXXX   XXXX  CT  XXXX  VA  XXXX   XXXX  Equifax and  XXXX  will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit
Bank of America did it again. I checked my account at XXXX yesterday, saw that it was overdrawn by XXXX, I went to the ATM and made a deposit for XXXX to clear up the negative balance before processing so that I would not incur any overdraft fees, which I can not afford. I looked at my account this morning, and they posted a check OVERNIGHT, REORDERED the processing, as such the Check cleared ahead of all of the other debits which were processing previously, which again made my account negative and I incurred now XXXX overdraft fees instead of XXXX. If the check was processing earlier in the day why did it not show up on my account online. Instead I believed only the other debits were pending based on what showed up on my account online, otherwise I would have deposited enough to pay all the transactions. Instead the check mysteriously appears the next morning, and AHEAD of all of the other debits, when it is too late for me to make a deposit. This is clearly a strategy by Bank of America to collect more fees from working people. This is ridiculous, I am switching banks.
There is an account that is showing up on my credit report ( NATIONAL CREDIT SYST / XXXX / XX/XX/2013 / {$3500.00} ). This account is incorrect and is not mine.
I wish to add the attached document to complaint XXXX. As you can see, the cash advance balance was explicitly paid off on XXXX/XXXX/15.
This is not the original amount and I was never contacted about this. It was just put on my credit.
This is a problem with my paypal account. They keep asking for the same information, which I provide to them, and then they simply ask for it again, They have had my money in reserve for months for no reason and now my account is limited. I mostly use paypal to buy now for the past 2 years, not really selling with it any more.
XXXX XXXX from Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX called me at XXXX on my cell phone knowing I have told them NO TO CALL me I only want written contact. He told me he was calling to collect a debt. The debt he said was charged off XX/XX/XXXX. Today is XX/XX/XXXX. That makes this debt 7 years old. I have requested more than once copies of the original paperwork that I would have had to sign if I opened the account. I never got anything that proves this is my debt. Please stop this company, and I want to get money for all the time and trouble and my reputation, that they have inflicted on me, due to their deceptive business practices. They buy debt and never make sure the debt is really owed, therefore they are in violation of the fair credit reporting act, which was designed to protect people from this type of activity. Please end this company from trying to collect from me on other things too. Especially the bogus XXXX XXXX purchases they bought. This is turning into a free for all and they need to be stopped.
I disputed a XXXX charge from a PNC Bank checking account. Letter dated XX/XX/2016 from PNC Bank denied the claim.
I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified these disputed items, with my address and social security number, dont know how you did it, but, its not correct because XXXX XXXX XXXX XXXX NOR THEIR CLIENT has this account number attached to THIS ADDRESS! With a signed contract that bears my signature. And they are electing to leave this error ON my report.
i tried to solve the problem with the bank but they have no power to do anything they signed me up years ago for cards i didn't need and was charged fee 's for cards i didn't need as i was a student and only that one was really needed so when i found out i stopped paying and wanted them to take the fee 's and cards off. then i went to XXXX for a XXXX XXXX attempt. i just went and tried to get a new card and my credit is to low. i would like them to reimbursement me for fees from cards that i didn't need. and also to work with me on dissolving my debt and open a rewards card with them for i had outstanding payment record before i got into it with them about unnecessary cards and accounts.
I filed charging complaint against Chase Bank in Texas of XXXX, Extension XXXX that XXXX XXXX and I both unresolved problem XXXX XXXX PST, so I was unhappy with Chase Bank that Chase Bank Headquarters refused helped me today through telephone. I felt XXXX XXXX made discriminated against me as he or she told me that Chase Bank Headquarters refused helped me with opening bank account related with debit, checking, and Credit card applications. I can not alone with application for these banking services. I complained with XXXX do not interest in helping me with Chase Bank service. I must XXXX file extra charging complaints against XXXX XXXX XXXX made extra-neglected against me with deaf as she/he made her/his hatred against XXXX as i complained on XXXX acted in bad employee at Chase Headquarters as she/he rude against me as tell her/his employer must fired XXXX from job because of bad behavior.
Hi, In mid XX/XX/2017, my wife and I initiated credit freezes with all three credit agencies. I received a PIN from Equifax to be able to unlock the freeze, my wife did not. In mid XXXX, we both wanted to temporarily lift the freezes for a credit check. My PIN would not work, although the CSR was able to lift the freeze. My waif was unable to lift her freeze without a PIN and so requested a new PIN. This new PIN was never received and so I emailed Equifax via their company portal to get an update on status of the newly requested PIN which never arrived. I haven't received a response. My wife spent 45 minutes today on the phone with Equifax and the issue is still not resolved. This is unacceptable to have our personal information held XXXX by a third party we never gave permission to and have no contractual obligation to. Equifax were unable to keep out personal data safe from hackers and now appear unable to release our credit file to lenders.
I have paid all Alliance One debts in full. This company is state ran and in no way do they want to let the debtor off the hook. I set up a payment plan ten years ago paying XXXX per month. Ten years later I 'm notified my balance is XXXX but the start ball was XXXX? After ten years payments well then I 'm told that the payment plan set up by alliance one was not even covering the intrest so my balance grew each month for ten years!!!! I have tried to settle this debt with no luck. Last month I paid almost XXXX to remove these derogatory remarks from my credit history. Almost a month later nothing has been removed. Please help me fix this bad debt collector from my credit. I always pay on time and always take responsibility for my debts. I am XXXX wanting to buy my first home. I have almost XXXX in cash but because of these bad remarks no lender will touch me. Help please I want to give my family a home. 
XXXX XXXX
I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in regards to my available credit was updated due to I made a payment of {$330.00} on XX/XX/XXXX, which is the due and was made before XXXX so the payment would post the next business day. I checked my credit availability on XX/XX/XXXX online and only the balance was updated and not my credit. I contacted customer service and the representative told me that my account was closed because my payment was past due which was incorrect and was not due until XX/XX/XXXX. I informed the representative that I made a payment of {$260.00} between XX/XX/XXXX-XX/XX/XXXX by check and the payment has normally posted the next business day when I made payment by check and becore XXXX and this time it did not happen and was told it will take 10 or 14 business dsys to post. I gold the representative the payment has already cleared my bank and she advised if i can get a letter from my bank zhowimg the amount XXXX has cleared it can still take 5-10 business days to post to the account, which I still could not understand. So I asked the representative if she could just stop the check payment/reverse it so that I can make a payment with my check debit card. I did not make a payment with my debit card the first time because you can't make a payment until after 5 business days ypu made your last payment eith that debit card. So the representative told me to contact my bank to have them stop payment on the check because I wanted my payment to post right away. I wasnt late or past due because my payments are due the XX/XX/XXXX of the month. I was never advised of my acvount status via email which they have contacted me before when my credit card was compromised by XXXX. Then I requested to speak with a supervisor by the name of XXXX and she told me my acvount was closed due to the payment eas reported by my bank as unauthorized. I informed the supervisor that I did not and reauested that she listened to the revorded call I had with the represenative when she advised me to contsct my bank to stop payment on the check. The supervisor then stated that I would need to get a letter from my bank statimg the request was only a stop payment but that does not guarantee my credit account would get opened back up it wpuld be up to the underwriter. I stated to the supervisor that is not fair and how could you close my credit card acvount without contacting me by email or phone call and I have not received a letter to make sure this was an error and would close my account after I have bern with them over 4 years. The supervisor then begin to say they have the right to vlose my account, and did not attempt to escalate but would rather lose a consumer with false imformation and not sympathizing but only making the company look justified in what was done.
XXXX went into collections on an account that I created. Collector from collection agency called and asked to speak with my husband and stated that he was the responsible party for the debt and she wanted to speak with him. I advised that I was the responsible party and my husband was not listed on the account. She advised that he was since we were married. I advised that I did not consent to information being shared to him and I did not want him contacted. Collection agency sent the bill to husband and addressed it to him. I did not give authorization for him to receive information about my account. Collector said it did n't matter and she would speak with my husband.
Drive time charges its customers a convenience fee if you call or go online or into a store to make a car payment. Also they overcharge their customers for things like on star and car insurance but refuse to give a refund if cancelled? is this even legal? How many cars have they sold that within the XXXX year the tires went bad or it had some kind of mechanical problem. They are taking advantage of people who are trying to rebuild their credit and that 's just not AMERICAN of them!