WillisBack/dataset-financial-user-claim huggingface dataset:
I was issued a cashier 's check, however I did not have an account to deposit so I opened an account at a bank and deposited this check believing that the terms and conditions attached were what the bank follow. Few days later the check was return for stop payment. Went to a branch and was told there is nothing they can do and I have to contact the remitter. XX/XX/XXXX-XXXX XXXX. Went to visit the branch where the check was issued and spoke to the manager and was told that the same thing. ( XX/XX/XXXX- XXXX XXXX ) I asked for an explanation as to date and reason and was told there was n't any in the computer at the time she pulled up the transaction. Called the head branch the following day ( XX/XX/XXXX-XXXX XXXX ) and was told the same thing and that there are internal procedures that the bank follow to protect them against the 90 days by affadavit. I went to a branch to uplift a blank copy of this affadavit which I am attaching.
Sent an email to the CEO of the bank today to request an investigation because so far no one investigated the matter. I am frustrated and lost any trust that I have on this bank because it seems as though everyone is for the bank and their customers. No one bothered to look into the matter and explained what happened.
I sent XXXX gbp to an online currency company called coinbase on the XXXX XXXX 2017. A few weeks later I still hadnt received the money in my online currency wallet so I emailed the company. They replied to say that they didnt accept GBP anymore, even though the option to trade on GBP is still on their app and website. This isnt a problem and I asked for my money to be sent back. They asked me to send a small payment of 6 with a SEPA payment to verify my bank account so they could return my money. The account was verified but I still havent had any correspondence about where my money is and when I can expect to get it back. Ive emailed their support team every day but they do not respond
I purchased a house in XXXX XXXX with a XXXX and XXXX mortgage. 
I was unable to make payments due to a separation from my wife in XX/XX/XXXXThe XXXX mortgage holder XXXX Citimortgage XXXX filed a lawsuit. I was neverserved, however, CitiMortgage was able to obtain a judgment for {$26000.00}, the original loan amount was {$27000.00}. I paid CitiMortgage {$280.00} per month from XXXX XXXX until XXXX XXXX which equals {$27000.00}. Basically I almost repaid the loan. Now they froze my bankaccount and are asking me to pay over {$26000.00} or $ XXXX sump with an additional {$4000.00} over a short period of timeto unfreeze my account. How can a bank be allowed to do this? Why do I hhave to pay them XXXX the amount. They should not be allowed toextort money out of deceptive loans. They made a settlement with theAG office claiming that they would stop deceptive practices. This isbeyond deceptive. I was never serve with Court documents, hencewas unable to defend/show evidence of the deceptive loan. Nowthey want to drive me to file bankruptcy or pay them. They do n't evenanswer my calls and want me to settle with their law firm XXXX XXXX, XXXX, XXXX XXXX XXXX. ) Since it appears that I have no choice I offered to pay $ XXXXper month on XXXX/XXXX/XXXX, but they did n't accept that. As a result I amfiling this complaint. This is a nightmare. Do n't wish this upon anyone. 
Please help.
The service provider stopped providing services and i put a complait against XXXX in Utah. They lured me into getting a loan from them but the service was not provided. i stopped making payment due to the lack of delivery of services.They keep on calling me and harrasing me. They also have put a derogatory mark on my credit reports and due to their mark my credit score has dropped
In XX/XX/XXXX, after I received calls from several different companies promising me high earnings, I was persuaded by the representative at XXXX that it would not only benefit my business, but that without it, I would not succeed. So, I purchased their marketing packages, and the most expensive coaching ever, because I never received but a few very basic instructional calls leading to nothing, my mentor told me the marketing would put my business on the first pages of XXXX search engine and companies would come to me to sell their product, however, I cant even find my site on XXXX search at all ; when searched it returns saying not secure. 
I paid them {$2400.00} with my bank Chase Bank XXXX card in XX/XX/XXXX I have come to realize I paid several companies who led me to believe that I would receive great earnings, I should have known better, but it all ended up being internet fraud. I have tried disputing the charges with the merchant and ask for my money to be refund several times, but they have ignored my requests. I AM FILING THIS COMPLAINT BECAUSE I PAID FOR SERVICES THAT WHERE NEVER PROVIDED TO ME AS EXPECTED! 
Please investigate this matter, it was suggested to me that if I file complaints with my government agencies for help in this matter. These companies have many complaints against them and its obvious by the list of charges that I was defrauded, I really need your help in getting my money back.
In XXXX XXXX our fresh start loan was sold to. Nationstar mortgage Plc. 
We tried to make a payment each month but they did not have all the paperwork from XXXX. After a few months of this excuse my husband actually called XXXX they stated to him all paperwork had been forwarded. Finally my husband thought he was being scammed they stated they could not accept any phone credit card check by mail only XXXX XXXX. Even though they kept sending monthly statements to us. They decided to foreclose on our home, I requested a modification through MHA they sent out the paperwork I got it back to them. They used my overtime to calculate my acceptance so instead of us having a smaller monthly payment now it 's way more and they wanted escrow for taxes and insurance. Our first payment did include a down payment first month payment and escrow. Two days ago I received notice my homeowners insurance is being cancelled for non payment. I also included this with my contract a copy of the invoice. Tried to call my contact person to find out why? I was. It going to leave one more message. Pressed zero got on the phone with XXXX told her what was happening she agreed to get a team lead on with us he said it will be a couple more days until they have it figured out Really!! I do n't have that my house insurance will expire on XXXX/XXXX/XXXX. I was on hold for over twenty minutes I had to go lunch was over. The foreclosure is not closed yet as of XXXX/XXXX/XXXX. " They are not done processing my loan ''! I have heard a couple days for everything now they said my foreclosure was moved to XXXX XXXX XXXX. I have an attorney and I am willing to go to any length to make sure this does not continue for us or anyone else. Also when we first got approved it was 8 % then the contract comes they know they have me by the nose it 's adjustable every two years until it 's 10 %. Is n't there a truth in lending? Or am I just stressed out enough over all this! You bet I 'm stressed I have been dealing with this for two years now! Can or will someone help me? I need an injunction and someone there the person who owns this company needs some jail or prision time. 
Sincerely XXXX XXXX
I disputed the debt from Credit Systems and it was deleted from my XXXX credit report in XX/XX/2016. I noticed that in XX/XX/XXXX this same inaccuracy was reporting on my XXXX report as well. Which should had been removed from my credit report back in XX/XX/XXXX. I disputed the debt on my XXXX report and provided the documentation proving it was removed from my XXXX report back in XX/XX/2016. However, instead of Credit Systems removing the inaccuracy from my report, they put it back on XXXX report and showed that the debt had been in collections for 14 months dropping my score by XXXX points.
I sent my info to the XXXX credit bureau and they havent clear my name and my score. First i dont have a middle and second they haven t fix it. Cause of the i cant get approve in me buying a house..
A person who identified themselves as XXXX XXXX called me around XXXX and asked for XXXX XXXX XXXX I told him that he can not be reached at my cell phone number I was speaking on, but he became irate and stated the following : " This is the phone number that he gave. I am not telling you who I work for unless you tell me how you represent XXXX XXXX! You must know how to get in contact with him! '' XXXX XXXX 's tone was harsh and unnecessary. Later I researched XXXX XXXX 's phone number and found he was calling from a firm called the National Credit Adjusters.
Yet again you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being report accurately. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally bound contractual obligation to pay you the alleged amount. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. 
Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item entirely inaccurate and incomplete, and a represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : 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.
Credit Reporting Bureau Experian is reporting an unauthorized account on my report that has been proven by the collection company that they do not service the account after it was disputed.
I had repairs done on my home out of my own pocket, the insurance company did inspections and released the funds to me. I sent checks to PennyMac Loan services because they hold the mortgage. They are now saying they won't release the funds or schedule an inspection so i can finish the sale of my home.
XXXX thank you for the alleged mail BUT still you fail to answer the questions I request full disclosure of documents that I have request failure violates any alleged debt that you claim. Also you violated my HIPPA and privacy rights I request the again { 6 } times information enclosed, Now I will need your CEO name and contact information your stock holders names and contact information, Your tax Identification number, your business license, also your name and contact to be used for civil action if needed. Fax alleged hospital, XXXX XXXX XXXX for documents of alleged account they did not respond to fax in your response to the CFPB your alleged billing { NOt Contract states XXXX owed today you mail another statement stating {$1500.00} WHAT you pull this alleged debt that you refuse to disclose out of the air. My charges are now {$2500.00} due and payable now for the time I have to put in to get any type of legal contracts or anything with a signature from you No contract Remove your claims from my credit report, I will also file now with the Texas medical board on my Hippa and Privacy rights you aLSO FAIL TO GIVE THE COMPLETE NAME OF XXXX, XXXX XXXX  { or associates } for the medical board complaint.The fair Debt collection practices act USC 1692 you know the one you stated earlier but fail to finish USC1692g { b } I request your office to provideme with competent evidence  CONTRACTS, Above information as requested.that I have a legal obligation to pay. This is not a fusal but requesting the exact information requested
Synchrony XXXX for JC Penney Credit Card account XXXXXXXXXX ( XXXX ) and TJX XXXX XXXX XXXX XXXX and XXXX ) and XXXXXXXXXXXXXXXX SYNCB/BP ( XXXX ) reported to the XXXX credit reported to XXXX, and XXXX that I was 30 days late during various times in this loan. Payments have always been paid at the same time through my bank account. I reviewed several complaints through multiple sites about other consumers were having the same issue during this same time frame with Synchrony. I also believe there was a lawsuit against Synchrony from other consumers regarding this. It almost seems as though they had an internal problem, but pushed it on the consumer. I ask Synchrony to remove the 30 day late my above accounts on XXXX, and XXXX. As I believe this was an error on XXXX side. please remove the late notification from my report. I thank you in advance for your assistance and refund any additional interest that was charged to my accounts.
Navient has raised my interest rate without consent on various occasions and has not satisfactorily responded to my inquiries.
Upon checking my credit report in XX/XX/XXXX, I noticed there was an error in status on one of my accounts. Armor Systems Corporation indicated I had an unpaid account. A phone call to them verified that the balance was indeed paid. I asked that they update my account to indicate such. I also asked for written confirmation. I never received the written confirmation. On XX/XX/XXXX I again checked my report and the status went unchanged. On that day I sent a letter to Armor Systems Corporation informing them that the status of my account with them was incorrect, asking again for a correction. No change and no response. I sent one more letter to them on XX/XX/XXXX asking for validation. Again, no change and no response. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through XXXX  to get this updated and on XX/XX/XXXX I sent XXXX  a letter asking for validation and proof of my 'unpaid ' balance. XXXX  sent an automated response indicating the account had been verified?!? This is either a blatant lie by Armor Systems Corporation and/or XXXX, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my credit reports.
I have XXXX medical bills on transunion and XXXX progressive accounts all in collections that were ALL removed and now they are back on my report. I do n't owe progressive anything and I have medicade so the medical bills should have been billed to medicade not me. Also transunion and XXXX do not show all of my good accounts and refuse to add them. XXXX has refused to remove any of the medical bills they show. the only report that is correct is XXXX. They removed all of the fraudelent accounts from my idenity theft all of the medical bills and they show all of my good accounts. I am so aggervated with fighting with XXXX and transunion to fix my reports. I want to buy a house and this is making it impossible. Can you please help me?
I have a current line of credit with SLS and the loan comes up due on   XX/XX/XXXX  as ballo on payment of {$330000.00}. I called them and asked if this loan can be refinanced or term can be extended or whatever it takes to continue my payments, they said to apply, I did and they denied my application because the investor will not work with me and either I have to pay the full balance of {$320000.00} or sell my house. I am retired and this is the only home I have, I am not able to refinance the loan because o f 2 reasons, one I a m on fixed income and the bank will not give me a loan and second, I dont have enough equity to refinance the loan. As I mentioned earlier, my husband and I have lived her most our lives and are retired couple, we have always made our payments on time and we are current on both of our loans. All I am asking for is for them to allow me to continue making payments on the loan.
Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.
I received my chexsystems report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX  on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX  on XX/XX/XXXX I didnt apply for XXXX XXXX and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
In examining my credit report I see an open account for {$26.00} that I was not made aware of. The account is only active on XXXX reports, but shows no balance on XXXX of them. The company continues to report this balance even after attempts to remove and pay the {$26.00} supposedly on file for XXXX reporting agency. I have made multiple attempts to contact and have left a message to resolve, but have not received any reply to remove this from my credit report.
Received a loan fro m Wells Fargo for fur niture 0 % interest for 18 months. I paid the amount in full PRIOR to 18 months. Upon apply for a car loan I find that they placed a bad credit reference against me for {$4.00} I have contacted them twice and each time I am told that the loan is paid in full and they do n't know why there is {$4.00} on the account or why it was reported to the credit bureau. They said each time they needed 10-14 days to investigate. My bank  (   XXXX  ) in the meantime has made an auto loan to me at an interest rate double of what I should be paying.  XXXX  states that if I can get a letter from  Wells Fargo  they would reduce my interest rate.
I sent a CERTIFIED letter of dispute to Automobile Acceptance Corp. on XXXX/XXXX/2015 and demanded a validation of debt. I was asking for the proof regarding the debt that I owe and verifying it. I have a signed Receipt from Automobile Acceptance stating that they received the letter on XXXX/XXXX/2015. On XXXX XXXX, 2015 I sent another CERTIFIED letter stating I do not believe I owe what they say I owe and in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g SECTION809 ( B ) Validating Debts, that this matter is closed since they failed to respond, I assume that they were unable to validate the debt. I contacted ( XXXX ) XXXX ext XXXX or XXXX ) the collections department on XXXX/XXXX/2015 and spoke with XXXX ( front desk ) @ XXXX ; XXXX whom transferred me to XXXX and I got the voice mail, I called right back spoke with a XXXX ( front desk ) on XXXX/XXXX/2015 @ XXXX who transfer me to XXXX XXXX in collections on XXXX/XXXX/2015 @ XXXX. I explained that I needed to speak with someone in compliance regarding a debt validation that needed to be deleted from my credit report. she advise me that she did not have that authority to do so and asked me to fax over my documentations so that she could forward them to her manager whom was in a meeting a the time. I tried to fax the XXXX and the fax failed so I hand delivered them into the office located at XXXX XXXX XXXX XXXX Ga XXXX at the payment center and they were signed and received by XXXX XXXX on XXXX/XXXX/15 @ XXXX. I received a phone call from XXXX XXXX XXXX XXXX Collections manager on XXXX/XXXX/2015 XXXX that lasted 14mins and 40 secs. I advised him that the Account with his collection was not validated with in the 30 day period and I wanted this matter resolved by having it deleted ASAP. He replied by telling me that he had just sent out a letter to me yesterday in reference to my letter dated XXXX XXXX, 2015. I also advised him of the FAIR DEBT COLLECTION PRACTICE ACT, 15 USC 1692g SECTION809 ( B ). AND TOLD HIM THAT IF HE DIDNT COMPLY THAT I WAS GOING TO REPORT VIOLATIONS OF THE LAW TO MY STATE ATTORNEY GENERAL, THE FEDERAL TRADE COMMISSION AND THE XXXX. His reply was go ahead. He later said he would get back with me on Monday XXXX/XXXX/2015 after he spoke with someone to see if I was right.
The company reported an amount to the credit bureau that is not consistent with my records. It also shows two separate amount of which I do not believe I owe.
Incorrect Status being reported on by Experian CRA.     Entry by    XXXX   XXXX   XXXX    : Owed {$340.00}  XXXX   XXXX     XXXX   XXXX   XXXX     XXXX , NH  XXXX  Credit reporting agency is documenting a claim by    XXXX   XXXX   XXXX    on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Credit Card  XXXX   XXXX   XXXX ,  XXXX  ), disput ed (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill (   XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter Experian CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by Experian  XXXX   XXXX , I possess and presented Experian proof of payment.     Submitted credit card statement showing rebill for {$340.00}.
I paid my monthly mortgage XXXX-2017, I added XXXX to be applied to my principal. They used my money for two future mortgage payments till XX/XX/XXXX, I called, the girl no understand English, I do n't speak XXXX