WillisBack/dataset-financial-user-claim huggingface dataset:
Applied for a home loan to refinance our home with RMK Financial Corporation or ( Majestic Home Loans ) we received our Closing Disclosure on XXXX/XXXX/2016 with a 4.0 % interest rate. Then 4 days later on XXXX/XXXX/2016 I get a call from my Broker saying they now want to increase our rate to 7.25 % based on late payment history. This is 4 days after our " CD '' Closing Disclosure had been signed and dated ( XXXX/XXXX/2016 ) by my wife and I agreeing to the terms at 4 % for a 30 Year Fixed. Also, according to the Closing Disclosure we were supposed to Close on XXXX/XXXX/2016 and then have our Dispursement and Sign-Offs on XXXX/XXXX/2016. Well it 's now XXXX/XXXX/2016 and nothing has happened. We have not received any new terms in writing from RMK Financial Corp. / Majestic Home Loans in regards to their proposed interest rate hike. I 've tried to call the Lender, Majestic Home Loans direct, but have had to leave messages for the Accounts Manager two days in a row. And still have not received a call back. So as of right now my wife and I still assume we have a loan at the 4 % interest rate that we signed, dated and agreed to on XXXX/XXXX/2016. 

And according to other lenders I 've called for advice and friends in real estate that I know, they all say that Majestic Homes Loans is doing some illegal practices and trying to bully us into a high rate loan. Our LTV " Loan to Value '' of our homes is 30 %. Which means we have over 70 % of equity in our home. Should we walk away???????? Please Help!
putting improper information on my credit report that is not trues. I ask them to provide me documentation. they said they have to look for it been waiting for months never given.
Females from Van Rue of Illinois called XXXX, claiming to be from XXXX. I am in XXXX. They claim to be checking for some XXXX XXXX of a XXXX location. After checking, they are not from XXXX but from the rogue Van Rue Debt collector. I contacted individuals XXXX. XXXX XXXX appears to have its hands in several illegal acts : XXXX scam, embezzlement, and illegal drug sales.
Dear Director XXXX 

I want contacting with Director XXXX about Bank of America's XXXX that I posted "I informed U.S. Senators and Speaker XXXX that I filed complaints with Federal Deposit Insurance Corporation finished" that XXXX knows better reporting to U.S. Senators and Speaker XXXX included all my filed documents must forward to U.S. Senators and Speaker XXXX immediate procession from Federal Deposit Insurance Corporation requests to help me out with moving other bank from Bank of America to XXXX or XXXX, stopping Bank of America uses overdraft fees.   Bank of America hated my appearances and XXXX which Bank of America made made their opposed to XXXX" issues  they do not interest in me with Bank of America account.   I seek for authorization official helps me moving from Bank of America to other bank called XXXX or XXXX immediate of between XX/XX/2015 to XX/XX/2015, please let me know.  Please Official picks up me bringing to other new bank urgent with serious matters at formal filed requirement.  

Let U.S. Senators and Speaker XXXX knows requirement charges coping to Male Attorney in serious charging requests.
XXXX XXXX I did a title pawn with XXXX XXXX XXXX XXXX. I begin to feel that my payments did n't affect my balance as my balance remains the same. XXXX XXXX I went to TitleMax and was told they can help me get my title back quicker and with a better plan than XXXX XXXX XXXX XXXX. TitleMax refinanced my pawn and I completed an application with a representative. I was told to make a payment of {$240.00} on XXXX XXXX. On XXXX XXXX I went in to make a second payment of {$240.00} and was given a different and higher amount now due, TitleMax would not accept my payment of {$240.00}. I was asked when I would have more money to pay the new amount and I responded on XXXX XXXX and given the amount now due of {$340.00} to be paid on XXXX XXXX. I returned on XXXX XXXX with a payment of {$350.00} and again TitleMax would not accept my payment. I was told to come back with a money order for {$490.00} on my due date. On XXXX XXXX at XXXX, I received a phone call from TitleMax. I was told my payment is due today, I responded that my due date is the XXXX. The rep told me that it was noted in my account that I am to bring {$490.00} on the XXXX. I responded I was told to bring a money order of {$490.00} on my due date and if my due date changed I was not aware of it. The rep told me I need to be in before closing in 15 minutes or the amount will change again. I told the rep that I am in class and I will try to make it in 15 minutes. I then asked if I could drop the payment off after class and she told me that it had to be posted before they closed. The call lasted about 5 minutes and with traffic I knew that I would not make it before closing time, therefore, I remained at school. Here I am again with the dilemma of being two months behind, with a threat of possible actions of collection against me because TitleMax would not take my payment.
American Medical Collection Agency ( AMCA ) of XXXX, NY, re-dated an old fraudulent collection account from XXXX to XXXX, and reported it as a new collection account to major credit reporting agencies. This unscrupulous act to stretch out how long this derogatory information my be reported, is a violation of 15 USC 1692c for debt harassment and unfair collection efforts. AMCA also utilizes such unethical measures to use another identity and address, i.e. XXXX at XXXX, also of XXXX, NY, to collect the same fraudulent debts. The removal dates of this negative trend line can be traced on my credit reports over the past few years. This company has been served with Cease and Desist Orders from harassment by me, every year, for the past 3 years. The false accounts reported by AMCA do not qualify as open end or closed end accounts under Federal reporting guidelines. The files need to be closed and further collection efforts terminated. The obligation does not belong to me. AMCA was advised to seek restitution from their client. This was a health insurance card mishap, or a physician 's office mix-up for lab services. I refuse to be repeatedly victimized for someone else 's mistake, and illegally harassed by misreporting.
For over a year I have been trying to get Wells Fargo Dealer Services ( WFDS ) to report my car loan to XXXX. I was having problems getting a resolution with the main customer service center and I was then referred to the Office of the President to have my issue resolved. My issue was then resolved back in XX/XX/2018. XXXX has been experiencing security breeches so I constantly stay abreast of my report. I noticed once again that my car loan through Wells Fargo Dealer Services ( WFDS ) was removed again. I called to get it resolved and was told to get a copy of my report directly from XXXX to confirm. I called XXXX  and they confirmed it is not on my report and I also received my report from them which was 83 pages. Indeed it is not on my report. I was told by WFDS to send a copy of the report so they can verify that it is not there. I did not feel comfortable sending my report and asked for another way. I was told there is no other way. This seems unreasonable. If they have a direct contact with XXXX I'd rather them utilize it rather than harassing me for my credit report. This is keeping my score from increasing. I keep getting bounced from person to person at WFDS and even though I ask for a supervisor I dont get one. I was only able to leave a message one time for a supervisor and that person never called me back.
After receiving and reviewing the results of a recent disputes sent to me, I am now requesting the method you used to verify certain items on the credit file You have refuse to Provide me with full documentation of your process, according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX The data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that this is very appalling that you insist on reporting such derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX
I accepted a credit card off for the Barclays XXXX XXXX. The initial disclosure provided to me indicated a promotional rate of 0.00 APR on purchases ( 6 months ) and balance transfers ( for 15 months ). Upon receiving my card the disclosure provided did not reference the promotional rate on the balance transfers, therefore I called the company to discuss and was told the promotional was only on purchases. Therefore, I submitted a complaint through the bank 's website on XXXX/XXXX/15. After several back and forth responses and a letter received, it was still being indicated the promotional rate is only on purchases. As already expressed this is not what was initially disclosed to me and therefore this is deceptive to me as a consumer as I made a credit decision based on the initially information provided to me that appear to be false. I have provided the link below that provided the terms and conditions of the card that included the promotional rate of balance transfers. My other concern is what other deceptive practices might the bank be conducting. 

https : //www.barclaycardus.com/apply/Landing.action? XXXX & XXXX : //www.barclaycardus.com/app/japply/lp/TnCs.jsp? XXXX
I had to, unfortunately, settle a deed in lieu of foreclosure with XXXX in XX/XX/XXXX for my home at XXXX, XXXX, Alabama. XXXX accepted the offer of {$12000.00} made by XXXX. At no time while I owned the property was Fay Financial involved in the negotiations. On XX/XX/XXXX the XXXX recorded the deed transfer from myself to XXXX. 

However, in XX/XX/XXXX for the very first time, Fay Financial is appearing on my credit report claiming that I owe them {$180.00}, XXXX. That is clearly a false claim. I have reached out to them many times trying to get them to correct it. The first two times I was able to speak to a representative. The first agent told me she did not understand why Fay Financial would be listed as the owner of the loan. She then started the research process. I was told it would be concluded by XX/XX/XXXX. 

I also inquired with XXXX and received the same response. XXXX has since contacted me with their findings. XXXX 's stance is the property successfully transferred from me to XXXX through the deed in lieu process with no remaining debts. 

At this point, Fay Financial is preventing me from moving forward with the purchase of a new home. Fay Financial and Fay Financial Services is making false claims ; I need Fay Financial to stop procrastinating and correct their error.
I opened an account with Google wallet which is pretty much a prepaid type of account. My stepfather deposited money for my birthday. I used this money for a hotel on vacation. The hotel over charged a few times and eventually submitted a refund. The day the efund cleared i got an email stating that my account had been suspended for violating terms. Google wallet refused to tell me which terms and stated they had the right to close account without reason. I had a positive balance of {$190.00} on the account and they would not let me access it, stating that it would be refunded to the account linked to card within 30days of account being suspended. We are now on a little over 60 days past account being closed and not only have i not recieved the refund but the company refuses to respond to my emails and will not give any sort of update. I put a complaint in with XXXX. The response Google wallet is giving is that same : that i will be refunded in 30 days even though we are past that. I have copies and copies of emails and my XXXX complaint that states in writing from them that it will take no longer than 30 days. At this point they are violating my rights and causing me a get deal of stress and time to resolve this. They are violating their own terms and i should not have had to wait this long for my refund.
This is my 3rd time submitting a complaint against Rhodes Kelly & Associates. They have once again failed to provide me with adequate validation of the medical debt that was placed with this office. In addition, they have violated HIPAA by sending me a copy of medical correspondence displaying personal information. They claim that there is an agreement in place that allows the obtaining of this information. I was not made aware of this agreement prior to this information being sent to them. The information should have been sent to me directly from the original creditor. I mailed a letter to Rhodes Kelly & Associates on XX/XX/2018 regarding this HIPAA violation ; they are aware that they have 30 days to respond. Please note that 30 days had past and they didn't respond or mark my credit file as disputed. My credit file was updated on XX/XX/2018, indicating a {$28.00} decrease in payment, this is well over 30 days. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute ; Keep in mind they signed for the certified letter on XX/XX/2018. I have retained a copy showing date of receipt, as well as a time-stamped copy of my credit reports showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

I am demanding for these collections to be removed from my XXXX credit file immediately or it leaves me no other choice but to proceed with legal action.
I have disputed this account with Experian and the original furnisher and this account is unverified, according to Section 609 of the FCRA the company has to provide the proper documentation of this account when investigating the company is to provide you with an original signed contract with my signature. Avant- account number XXXX ... I want them to prove this account is mine please reach out to them for any signature or contracts for me. I need accuracy. Here is a phone number for XXXX XXXX.
On XX/XX/2018 I was trying to get a loan and I was denied. They is reporting the wrong stuff on they site, Ive ask them to remove them, I told them iam under identity thief, please help me
They call from different numbers up to 8 or more times a day. Their frequent calls is not going to put money in my bank account to pay them.
I had service with XXXX XXXX during a pre-priced trial period and my bill kept increasing every month I was told it was adjustments to the account and I would be given a credit for the over charges. This continued for several months with constant calls to customer service to try to resolve this issue. after two more excessive billing cycles I was done I called and terminated services with a balance of XXXX dollars owed. When I received the final Bill I was surprised to see a balance of XXXX dollars due. When I contacted customer service I was told there was an error and if I reinstated the account they would offer 6 months of premium channels I would just pay the XXXX dollars and would be fine at this point I said just submit the final bill I did not want to continue service. On the XX/XX/XXXX I was shocked to have received a letter of collection from AFNI Inc in the amount of {$550.00} and this is not correct
I have a loan with New American Funding with a first payment due on XXXX XXXX 2015 and payable by no later than XXXX XXXX, 2015 to avoid a late fee charge. I checked with the company to be sure that I could submit advance checks for the mortgage amount to be credited each month and NOT TO BE CHARGED AS A LUMP SUM PAYMENT REDUCING THE PRINCIPAL. I was told I could do this and was given instructions on how to ensure the transactions occurred as I wanted. On XXXX XXXX, I mailed XXXX individual checks for each month : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with a memo on each check for the appropriate individual month 's payment. I sent a letter of explanation ; reiterating my conversation with the NAF rep. On XXXX XXXX I noticed the XXXX payment was not entered on line. I called on XXXX. XXXX and was told that due to the new payment system NAF " is at least 10 days behind posting and my payment should be posted Thursday and there would be no late charge even though the posting date would be real time. On XXXX XXXX I checked my bank statement and there is a transaction for each month 's check reducing my bank balance. On XXXX XXXX I called and was told that the corrections would be made within 7 days per the instructions I had originally submitted -- that there was an indication of a " notation in the system '' but it is not clear what it is - that the problems with their payment system are now corrected. I asked when would the corrections be made and she said she would call me to confirm the transactions have been corrected. I am skeptical because my instructions were clearly understood from the beginning ( or I was made to understand so ) and it appears they were ignored. I want to be sure the corrections are made, my instructions are followed as indicated in my letter to them and my follow up telephone conversations, that my bank account is reimbursed for the funds taken for XXXX, XXXX, XXXX, and XXXX. I do n't know what benefit resolution could accrue to be because they have debited by account 15 days prior to the XXXX mortgage due date, but if there is any I would like to know. If there is little or nothing in that regard, I will settle for the amount of the check for the XXXX 2015 mortgage due to be properly processed as requested and that New American Funding ensure that this problem is fixed and no customer has to endure this kind of stress of ineptness in the future ; especially when so much is done up front to avoid problems and confusion. ( See uploaded documents for details of this matter. )
Step 1 : What is this complaint about? I made complaint for investigation to the major credit reporting agencies, to investigate a credit union 's neglect to reflect a {$600.00} down payment against my car loan. They were supposed to provide an investigation, giving both sides a chance to answer back, and all they did was take the credit unions information and closed it. Not only this, but the credit reporting agencies have conflicting information regarding amounts.

Step 2 : What type of problem are you having? My credit report shows negative balances. I am trying to get a credit card and improve my score, but it's not happening so easy. I also tried to negotiate with the credit union and failed, them saying to go to the collection agency.. I tried to negotiate with the collection agency and failed. They both refused to deal with me to start small payments, in trade with removing it from my credit report, so that I could work it out without it continuing to affect my credit report. They both said they can't remove anything from the credit report. They neglected to post a {$600.00} cash down payment against my {$3000.00} car loan, and the figures show me saying the truth. They also were refusing to cooperate with fixing the problem, which is why I quit them altogether. It didn't look like it was ever going to resolve. On the same day I began to let them know of a bad figure in my loan history, I had made the final payment on my personal loan with them, and that did not reflect either. They also refuse to provide statements upon request. 

Step 3 : What happened? I should have won. The result of the investigations showed differing figures from XXXX 's investigation and of Experian 's. XXXX 's saying my monthly payments were {$89.00} per month, and experian 's saying they were $ XXXX.for the same payment period. It is obviously inaccurate, as I said, but neither company took any further responsibility to remove them from my report. The credit union only provided payment schedules showing monthly amounts, dates and when it went into the red. I needed the terms of the original contract, the interest percentage, and the down payment, -- the math for and the resulting original amount of the car loan, all reflecting in their report, and that didn't come through. 

Step 4 : What company is this complaint about? XXXX, Experian and XXXX. None of these companies will take the responsibility to remove errors of dishonesty from your credit report, even with proof.

Step 5 : Who are the people involved? XXXX XXXX XXXX is the Creditor. XXXX XXXX XXXX is the collection agency. I worked with XXXX XXXX until there was a waiting time, and quit paying. XXXX is who we had requested an investigation from. I began myself with Experian and XXXX. Again, nothing, and no cooperation when I tried a second time, them saying that it had already been investigated.
I am filing this complaint form because Experian, has ignored my request to provide me with documents that their company has on file that was most likely used to verify the accounts i disputed previously. Being that its been pass the 30 day mark and cant verify these accounts, under Sec.611 ( 5 ) A of the FCRA : They are required " to promptly delete all information which can not be verified " that i have disputed off my account. Please resolve this manner as soon as possible. Thanks
I am filing a complaint today ( XX/XX/2017 ) because I received a prepaid XXXX from Brink 's Money that I never requested, which is illegal.
Capital One extorts money from elderly clients. My XXXX year-old father who has XXXX 's and XXXX never requested a new card. Captial One sent him a new credit card after his old card ( ending in XXXX ) had expired in XX/XX/XXXX. Along with the new credit card ( ending in XXXX ), Capital One charged a membership fee of {$39.00}. Capital One sent the new GM credit card AFTER I called, faxed, and mailed POA documents. Despite all the documents I have submitted, Capital One refuses to add me as POA. They insist I must provide them with my annual income and social security number. I have requested Capital One to provide a copy of their policy that verifies they will not share personal POA information with affiliates. As of yet, Capital One has not provided any such proof. Meanwhile, the initial {$39.00} charge has now become {$110.00}. Capital One began calling my elderly   father 's residence to collect payment on charges he never made. Captial One invented all the charges. Whenever I answer their calls, I explain the situation. Nothing is resolved. And on XX/XX/XXXX,  my father answered the phone and allowed Capital One to deduct payment from his bank account. ( My parents have also been the victims of prior financial abuse. They are {$450000.00} in debt. They have little money to spare! ) On XX/XX/XXXX, I wrote and sent ANOTHER letter to Capital One with POA and all required paperwork, ( save my annual income and social security number ). Capital One 's response was to send a form letter with an entirely DIFFERENT ACCOUNT NUMBER THAT WE HAVE NEVER SEEN BEFORE!!!