WillisBack/dataset-financial-user-claim huggingface dataset:
I have copies of my payment history which was provided from XXXX XXXX on XX/XX/XXXX. After a thorough comparison, it reflects different payment amounts and dates from what has been submitted via CFPB. With this discovery, I am looking to pursue legal action against XXXX XXXX as it appears my account has been wrongfully credited from as far back as XX/XX/XXXX. In addition, XXXX XXXX has not tried to contact me via phone. I have no missed calls or messages. I have only received letters stating that XXXX XXXX needed additional time to review my case. I am extremely relieved to discover these discrepancies. I have had strong reasons to believe there was a problem with my account for quite some time. I reported this to XXXX XXXX, with no luck or support. I now I have proof. I am more than willing to send you a copy of the documents I am referencing. Please advise how you would like for me to proceed. Thank you! XXXX XXXX
I have spoken to the collection managers at myquickwallet.com. I told them I am not refusing to pay and I had made some payments but right now I can not. The manager XXXX said that she would make sure that my life was impacted negatively. She continues to call my job during the day and mow my job is making it a big issue and I 'm being reprimanded for it so to speak. The company is not even calling my phone anymore they just continue to call my job, and told the receptionist that I am telling them to contact me there.
I took out a personal loan from Wells Fargo on XXXX XXXX 2012. I set up automatic payments to be deducted from my account for this simple interest loan with amortization. The total amount of the loan was {$12000.00} at a rate of 16.454 % and my loan payments were {$290.00}. The interest rate was supposedly given a discount because I was already a Wells Fargo customer and part of the arrangement was that I was required to set up automatic payments to be deducted from my bank account on a monthly basis until I completed payments on the full term of my loan. The loan length was 60 months. I started to receive phone calls this month from Wells Fargo with a very vague voice message being left just to contact Wells Fargo several times a day but I thought it might be a scam so I hesitated to answer until a few days ago. I answered because the calls are we coming quite bothersome and more frequently. The person on the line stated that I owed money on a personal line of credit. I told them I should not owe anything and that was not mine because I had a personal loan but the payments were automatically deducted from my account so there 's no way that I could have owed a balance. The gentleman stated that the last payment was not deducted because the amount deferred then the usual payment amount and that I was to have contacted the company to make arrangements for payment. So I contacted Wells Fargo and spoke to several departments finally ended up with the executive department and filed a claim stating I should know anything because they responsible for the deducting the automatic payments on a monthly basis which was part of the agreement when I sign the contract to obtain the loan. I reviewed my contract and it was not clear that I had to make a payment for my final payment and I complain to the company that I felt defrauded because now they were charging additional fees because I had supposedly been late with the payment and I explained again that the arrangements were they were to to deduct the payments for my account. I 'm not trying to get out of paying money that I owe but the seams and unfair practice to me to squeeze me for more money when they could have simply deducted the when they could have simply deducted the final payment as had been arranged but now have sent me to collections.
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Convergent Outsourcing XXXX Convergent Outsourcing XXXX XXXX n't have the rights to collect debt in the State of XXXX ? They are not abiding by the XXXX accordingly to the XXXX of XXXX and they was suppose to remove themselves from my credit report by sending a letter stating to the XXXX XXXX XXXX that they need to be removed. 
" XXXX XXXX XXXX section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in XXXX unless the third party debt collector has obtain a surety bond and file a copy of the bond with the XXXX of the XXXX of XXXX. Also, you can not operate in the state of XXXX with a P.O. XXXX '' I am in need of another XXXX to remove them from my credit report please.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX.XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
XXXX issues:1 : US bank told me that interest on my HELOC will be prime + XXXX. This was confirmed via email after the loan amount was changed. However, my HELOC ended up being prime + XXXX. When I contacted the bank, they told me it is because the amount of loan was changed. However, I have an email from them ( please see attachment ) stating that the interest rate will remain the same even though the amount was changed. US bank will not honor their own promise. 
2 : In the closing documents which I signed I was charged a lower amount for the notary than the actual amount. I had to ask for the final document and find out for myself that the amount was larger. They would not honor the document we both signed. I have the documentation if you need them.
On XX/XX/2017 I completed and signed Federal Loan Rehabilitation forms with Pioneer Credit Recovery. It stated that my monthly payment amount would be a certain amount, first due on XX/XX/2017 and on the same day of each month thereafter. I made my payment on XX/XX/XXXX and the Pioneer staff told me that the wage garnishment would be stopped ( Pioneer never stopped it ). The wage garnishment did go through twice -- taking a huge amount of money making me unable to pay my rent this month. I called them on XX/XX/2017 and spoke to at least XXXX different Pioneer staff, including a manager, who stated that I was told that the wage garnishment would stop on XX/XX/XXXX and I was " out of luck ''. I spoke to other staff at Pioneer later in the day and all XXXX stated that I was in fact not told that and to call back tomorrow. I called back today, as requested, and the manager was not available. The staff told me to give my call back number and the manager would call me back. I have been lied to and given the run around since XX/XX/XXXX. Please help.
I have a traditional IRA account with a local bank. I have been trying for several months to transfer the account to an IRA account at another bank. I have filled out all the required forms and sent to the new bank. The new bank forwarded the forms to the bank holding my account and NOTHING happens. The new bank keeps telling me that they are waiting for " the check ''. They advise me to call my bank to expedite the process. I did that and am told that the transfer is " on hold '' because information is missing. Next it was a " medallion signature guaranty '' that was missing. I get that done. The new bank sent in the forms again. Again no response. I call again and was told the forms had not been received, and what address they had been sent to. I confirmed the address [ the one on my account statement ] only to be told that that is not the right address. [ the previous - rejected - forms had been received at that very address ] Meanwhile, the local branch - I have a checking account there - can not help because " they are a separate company from the XXXX XXXX and are not related ''. I tried to contact the " representative '' listed on my statement [ XX/XX/2018 ] - got a message that she does not work at the bank anymore. 

I am XXXX years old, trying to make my life easier by consolidating my bank accounts. I have been a customer with this bank for many years and I find this experience horrifying! It's my money. They know me personally. All forms properly have been filled out and submitted. They have a verified signature. They keep putting obstacles in my way to keep my money in the account. What can I do to break this cycle .... or do I have to expect this to happen with all my " retirement accounts '' [ with some other other banks ] when I want to transfer or close an account???
XXXX of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with Chase Bank from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. XXXX has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. Lis Pendens was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, XXXX ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.
Between XXXX XXXX and XXXX XXXX my account was assessed {$910.00} dollars in overdraft fees XXXX XXXX {$70.00} XXXX XXXX {$170.00} XXXX XXXX {$140.00} XXXX XXXX {$140.00} XXXX XXXX {$100.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$100.00} XXXX XXXX {$35.00} After becoming aware of the extent and amount of the charges I contacted the bank and via phone call and an in person visit they refunded me {$320.00} dollars of that amount. Still given the fact that this was not entirely my fault I feel they should give me back more than what they currently have. I have been with the bank for 8 years and have been loyal to their brand.
I previously had a second mortgage loan with XXXX. This loan was unfortunately charged off in XX/XX/2009 and the loan was re-modified through XXXX. XXXX maintained a lien on the property through the second lien while the first remained current. I have been trying to sale the home and XXXX has refused to talk to me about the loan and refers me to Ocwen Loan Servicing LLC. Ocwen has inflated the amount of the originally charged off debt by {$15000.00} with no explanation of charges. I am now in another situation to sell the home and Ocwen will no longer speak to me but refers me to XXXX XXXX XXXX. I think this is an unfair practice whereby these companies unfairly inflated debts and hold up sales on the property of debt that is past it's statue of limitation for ANY type of legal action to the consumer.
I just received a copy of my experian credit report. XX/XX/2017. I have been disputing 2 accounts that DO NOT belong on my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX. First off the XXXX is time barred and should be automatically deleted. The XXXX XXXX XXXX XXXX XXXX  was to be deleted off my credit report as well. I have been disputing these accounts for over 8 months now. XXXX has done there investigation and these accounts were verified to delete and they did delete them off my XXXX credit report. Experian just keeps sending me that they did there investigation and the creditors have said they are reporting accurately. This is completely wrong because the XXXX account like I mentioned earlier is time barred and also besides that the account was paid years ago in FULL. Plus I do not no how they are verifiying this information because XXXX is no longer in business. That right there tells me experian is not doing a proper investigation. Having these 2 accounts report as negative are affecting my credit score in a very negative way. I do also have to state that I want to thank the fcra in assisting me in the past.
I have been unable to gain access to my experience credit report so I can dispute an unverified alleged debt on my credit report. The company who posted this alleged collection account has not afforded me the common courtesy as required by law the ability to dispute this supposed debt and request debt validation. They just put it on my credit report. I hereby dispute this alleged account with berks credit and collection for {$70.00} dated XXXX XXXX 2016. I demand an investigation be performed and removal of this sccount.
A collection agency contacted me last year in XX/XX/2017 about a account in with XXXX in my name. I sent a dispute and because they couldnt verify it was mine with a contract signature they deleted the collection off my account and sent the debt back to XXXX. XXXX sent me a letter apologizing saying I didnt owe the debt but then in XX/XX/XXXX sold the debt again to another collection agency. I called them told them it was fraud I sent a dispute validation letter and all they sent me was a bill. The account isnt mine and this is showing negatively on my credit report preventing me from closing on my home
I was in bankruptcy for 5 or 6 years trying to get a modification. Our lawyer tried several times to get a modification. Wells Fargo sold our loan to XXXX which evolved to XXXX . 
XXXX, who is a collection agency, for 50 years or more. This agreement was supposed to be my modification. I do not think it is right to be treated this way. I would prefer to be with Wells Fargo than a collection agency. While in bankruptcy Well Fargo made a lot of money off of me through the court. They charge me money to pay someone to drive by my home and take pictures.
I borrowed a loan in the amount of {$1700.00} from Money Lion Phone XXXX on XX/XX/XXXX. The payments were {$410.00} a month and I thought a portion of that would go towards the principal. I was wrong because after making a few payments, I logged into the Money Lion account and saw that the {$410.00} was interest only. I filed a prior complaint about this in XX/XX/XXXX with CFPB. On XX/XX/XXXX Money Lion emailed me another payment plan which was scheduled to start on XX/XX/XXXX, biweekly for {$86.00} with a final payment on XX/XX/XXXX. 

I missed a few payments due to the previous payments made towards this loan, and that caused me to be late paying other bills rent, utilities etc. I received a letter in XX/XX/XXXX stating that I would be taken to court if I did not follow the new payment schedule for a balance of XXXX. Granted, this is a loan that I know has to be repaid but the interest rate is ridiculous. The new contact that Ive spoken with is XXXX at XXXX ext. XXXX. It is as if nothing I paid was applied to the loan. As of XX/XX/XXXX I have paid this lender the following. 
XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX Total {$1700.00} Even with a missed payment what is the actual amount owed?
I received an APPROVAL letter from the IRS that was sent to  XXXX   County Circuit Court instructing them to remove the Tax Lein entry on my credit rep orts, I contacted the courts and they stated that they have no procedure to verify records with the credit reporting agencies. But the Credit Bureaus  XXXX , and Equifax did not remove the entry, but  XXXX  remove the entry after I sent a certified letter to them concerning this matter.
I had applied for the American Express XXXX XXXX XXXX Credit Card on XX/XX/2018. I received an approval and got the card within few days as promised. As per the Card terms, if I would spend a minimum of {$3000.00} within the first 3 months, I would be awarded with XXXX bonus points. After meeting the minimum spend criteria, when the points were not reflecting in my account, I decided to contact the customer service of American Express. To my utter shock, they informed me that I am being declined the bonus and that the same was intimated to me during application. I vehemently deny this statement, as I was not informed at all regarding this during the application procedure. This is a malpractice wherein the financial institution is luring customers with false promises of bonus reward points and later declining them. I have been a victim of false marketing and promises and would like to raise my utter concern regarding the same.
As outlined in the attached short letter and supporting documents, Freedom Mortgage violated the FCRA by willfully and recklessly made incorrect reports of delinquency to Credit Bureau ( s ) they acknowledge in writing they should n't have made.
XXXX XXXX my husband moved out of our home and refused to pay any mortgage payments. I filed for divorce later that month. In XXXX, Chase sent me a mortgage assistance package ; I completed the documents and sent them back. In XXXX, I was able to be hired as a XXXX, I also obtained a divorce. I mailed Chase the updated information in XXXX, asking where to send payments, and did not receive a response back, nor notification that my application from XXXX had 'timed out '. I contacted Chase over the phone to make a payment and they said they needed a minimum of almost {$1700.00}. I told the person I could not pay that ; I had {$600.00} available for a payment, but no more and that I get paid once a month. She also told me my previous application had timed out and that I had to resubmit the forms ( new forms for XXXX ). I attempted to upload the documents, only to get an error that the 'upload feature ' was not working, so I faxed all the documents ( XXXX pages ) on the XXXX of XXXX. I checked Chase online, and they are not showing the documents. I attempted to upload another document today with the same issue : the upload feature is not working, again.
I received a letter in the mail today thanking me for choosing to use a XXXX XXXX XXXX XXXX credit card. I have never had a credit card of any type with XXXX XXXX and never will. It seems as if someone from XXXX XXXX has opened a credit card account in my name and I do not appreciate it.
A copy of the letter sent to Lexus Financial is below : Lexus Financial Services XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Account # XXXX XXXX To Whom It May Concern : I received telephone call from a gentlemen in regard to monthly payment. I reiterated to the gentlemen that the payments are being made via automated bill payment and that the XXXX/XXXX/2016 statement shows that the monthly payment due is {$480.00}. I know that my previous payments were {$680.00} and this is what we have paid in the past and the reduction of payment to {$480.00} is a welcome change. Please see attached statement received from your office. The gentleman argued and denied that there is such a statement sent, insinuating that I am lying, and that I offered to send it via email so that he can see what I am talking about but he refused to acknowledge and stated that you do not have an email for such purpose. I continue to get your nasty calls. 

I find it incredulous for such a large company like you not to have an email for correspondence purposes even for just escalated issues. I offered that I am going to mail a copy for proof. 

This predicament is of concern that a statement is sent out and your representative denies such existence. I therefore demand that you provide me a copy of my lease payment history and all the billing record you have in regard to this account. I also demand the explanation of such amount due fluctuations, and why your statement does not reflect your representatives collection view. 

I am submitting a copy of this correspondence and request to the CFPB and request that you give this matter your immediate attention.
I am extremely upset with Select Portfolio Servicing because they mishandle my account. I finish my XXXX trial payments and after I received my final modification packet, I am getting a huge balloon in the amount of {$110000.00} at the end of my loan. This is not acceptable because I never had a balloon before my loan was modify. I need to know from where this balloon is coming from My loan was with XXXX XXXX before it was transfer to SPS. However ; I have not been given an explanantion. This is really devistating because SPS is not respecting the guidelines I was Approved for the XXXX XXXX XXXX and without principle forgiveness despite being part of the hamp tier XXXX guideline. This is not what the XXXX XXXX XXXX offers. I have gone to workshops for struggeling homeowners like myself and have learn about all programs available. Therefore I am hoping that SPS can please explain why my loan was not offer Principle Forgivess nor a 2 % fix for the life of the loan.
On XX/XX/2018 I send a letter via Certified Mail to XXXX XXXX XXXX to validate the debt they are claiming that I owe of {$310.00}. The original creditor is XXXX XXXX. I have no knowledge of being acquainted with XXXX XXXX or XXXX XXXX. I specifically asked for any signed agreements made by myself and XXXX XXXX or XXXX XXXX stating that I have an obligation to pay them for the alleged debt. They were unable to provide validation of the debt but they have not closed/deleted this from my credit report.
I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. ALSO, THERE ARE 3 ACCOUNTS REPORTING FOR THE EXACT SAME AMOUNT. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.
Midnight Velvet is reporting an account on my credit report with account number XXXX. They are reporting inaccurate information between all XXXX credit reports. On XXXX and XXXX they are reporting a balance of {$140.00} while on XXXX they are reporting a balance of {$4.00}. Then on XXXX and XXXX they are reporting a past due balacne of {$80.00} while on XXXX are reporting a past due balance of {$4.00}. On XXXX and XXXX they are reporting the last reported date as XX/XX/XXXX while on XXXX the last reported date is XX/XX/XXXX. This account was also disputed several times and they failed to mark this account on my credit report as disputed which is a violation of the FCRA.