WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I discovered that my account with TD Bank account ( XXXX ) was frozen, It was in conduction with a State Tax Issue. After speaking with the State representative I was informed that they Faxed and Mailed the notice to the bank XX/XX/XXXX. the bank is saying that they didn't receive the notice until XX/XX/XXXX. I however had already made contact and arrangements with the State tax rep on XX/XX/XXXX. Td Bank didn't process the Levy until the XX/XX/XXXX. However after doing some research those fund in TD Bank should not have been allowed to be frozen. First the deposit came after the notice from the state. Secondly they did not verify where the funds came from as they are my Military XXXX pay from the XXXX. I have contacted the Levy Dept at TD Bank numerous times to  resolve the issue. As they are now charging my account with over draft fees too. 
I spoke with the State Tax Rep.today and all frozen money is being released. understanding that is a blessing. However I believe that TD bank should have protected my account and not allowed my VA XXXX pay to be frozen. As according to your web site and regulations they should have prevented them from being frozen.
I have several complaints. The first being I was told I could forebear my loans during my husbands XXXX. When the loans came due they DOUBLED In price. I now owe more than {$98000.00} and only took out {$42000.00}. 

Second, I have been paying for years in an approved program to have my loans forgiven ( as both my husband and I work in public service ) to talk to them recently and be told I wasn't in the RIGHT program for forgiveness!! 

We pay almost {$1000.00} a month in payments and our loan is growing still. We have a XXXX XXXX XXXX about to go to college and still are paying on ours-and have been for 10 years.
XX/XX/XXXX : A home equity loan was taken out on our home of XXXX XXXX XXXX XXXX XXXX XXXX. This was a Debt / CNSOLATION Loan. We made payments of {$100.00} per month until XX/XX/XXXX. 

XX/XX/XXXX : The house went into Foreclosure with Sheriff sale. We had moved off property on XX/XX/XXXX. 

XX/XX/XXXX : Five years later. On our current credit report Bank of America is still billing us late fees on the home equity loan even though it has been 5 yrs since foreclosure. 

Our credit rating is low due to this late payment billing. Bank of America has not sent any billing statements and did not turn us in to collections for this home equity loan. 

We were told that the home equity loan goes into foreclosure along with the property. 

I have the Uniform Residential Application and a copy of the Truth in Lending Disclosure statement. 

Bank of America in XXXX XXXX Mi does not return our calls, and no staff follows through when we call the Bank. They hire new employees every week and we start the complaint process all over again. No one takes respondsabilty. 

Is there a state law that can help? How long will we get late fee payments on this XXXX home equity loan on this property? It all ready has been 5 years. 

Bank of America cancelled 3 short sales on the property and we lost this house.
XX/XX/2018 Date of Service, {$960.00}, Car Accident Claim. The Atty XXXX XXXX has been in contact with XXXX  involving this bill. The last communication was XX/XX/2018 and prior to that XX/XX/2018. The company gave this bill to a debt collector XXXX XXXX XXXX XXXX. This company reached out to me by letter dated XX/XX/2018. I received the letter XX/XX/2018 and immediately contacted them on XX/XX/2018. I asked them for validity of the claim. I did not receive 30 days to dispute this claim. On XX/XX/2018, this was placed on my XXXX credit file. It brought my credit score down by 38 points and then they flagged it on XX/XX/XXXX bringing ANOTHER NEGATIVE posting on my credit. The representative stated they did not know this was a medical claim and when I asked them to removed the claim they denied it stating they would have to speak w the customer. Spoke w XXXX today and the representative told me on XX/XX/XXXX after me speaking with XXXX  told me the account was in review and debt collection should cease. My attorney in turn reached out to them and they still refuse to remove this from my credit. In turn, my insurance stated I owed {$520.00} and I in turned paid that amount to try and close this situation. I spoke with XXXX XXXX today from XXXX XXXX and they state the debt has increased to {$1000.00}. Please assist.
0n XX/XX/ XXXX which is Barclaycard at XXXX XXXX thn at XXXX XXXX XXXX at XXXX XXXX thn at XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX, XX/XX/ XXXX XXXX XXXX XXXX   XX/XX/ XXXX ; XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/ XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX  this happen everday just like the previous days, calling my phone harrassing me, calling up to 4 times in one day ... everyday
I have just completed my degree, but I have received no statement telling me who owns my different loans. I have been receiving random letters from various loan servicing agencies such as XXXX and ACS, but they all have different dates at which payment is due and different terms for repayment. I submitted a request for an Income Based Repayment plan on XXXX. Using their IRS disclosure system, it was very quick and simple to complete, but it was only valid for my Dept of Ed and XXXX loans. ACS apparently wo n't allow customers to apply online. Instead you must download, complete, and mail a XXXX page form buried deep in their website. It 's a pain to complete and most certainly is designed to keep students from pursuing this option.
This is the same debt that was from another Collection Agency, XXXX XXXX, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

STELLAR RECOVERY INC is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another
Dear Sir or Madam : I am writing to dispute the following information in my file. I have enclosed the account statement of which I am referring to. 
This account is inaccurate and incomplete because : 1. On XX/XX/XXXX at XXXX XXXX a call was placed to XXXX XXXX at XXXX during which four employees of XXXX XXXX did confirm that the account was closed on XX/XX/XXXX. 
2. The system noted and was confirmed by four employees of XXXX XXXX ( XXXX, XXXX, XXXX and XXXX ) that the account holder did call on XX/XX/XXXX to pay the account. 
3. The system noted and was confirmed by XXXX of XXXX XXXX that the account was Written Off in XX/XX/XXXX. 
4. Four Customer Service Representatives ( XXXX, XXXX, XXXX and XXXX ) of XXXX XXXX confirmed that they had no record of the account after XX/XX/XXXX or any record of XXXX XXXX or the collection service company Anfi making contact with the borrower requesting payment of the account after XX/XX/XXXX, until now which is 18 months after the borrower called to pay the account. 
5. All 4 representatives stated that they could not view nor send the account holder any account history relating to this account and had no evidence in their system of contacting the borrower at any time about the account going to collections. 
6. When asked, Supervisor XXXX also refused to send a screen shot of the information that all 4 employees used to view the account when referencing that account. 

I am requesting that the item be removed from all credit reporting bureaus ; that XXXX XXXX and Anfi cease and desist any further action against this former account holder and to correct the information in their system and any information about this account with any affiliates so that this does not happen again. 
Enclosed are copies of the collection letter from Anfi dated XX/XX/XXXX supporting my position. Please reinvestigate these matters and delete the disputed item as soon as possible.
I got a loan with Avant Credit XXXX {$2500.00} and I made XXXX payments of {$110.00} which totaled {$2200.00}, I still owe a total of {$1500.00} which in total calculates to XXXX, which means that the loan 's interest rate is 160.056 %, I am unable to find the original documents and have attempted to contact the company. I believe that the loan violates the Truth in Lending Act and specifically 15 U.S. Code 1602, 15 U.S. Code 1666i-2borrowed 2500paid XXXX XXXX owe XXXX
For the last 6 years I have been paying this loan on time and have never had a payment go past 30 days, however, if I have a payment that is 5 days or more late, they begin to call my personal phone, both of my parents phones, and have even reached out to my brother. The calls are repetitive, invasive, and cause a lot of stress, even after I 've expresses this to the company. As of right now, I am am moving and finishing up a 2 year custody battle here in the city of XXXX, and I have a payment I just scheduled but was 23 days late as of today. In those 23 days, I 've had over XXXX documented phone calls / voicemails.
on XXXX i enrolled in XXXX to check my credit.And on that date i found a credit card that was not mine, but on my account.So i called XXXX and asked them what this discover credit card is doing in my account.They told me that there was a discover card issued to a XXXX using my social security number on XXXX at the address of XXXX Il. XXXX.That was my sisters address which she had used my social security number to get this credit card.She did it in the past to me XXXX other times.Plus she even got a XXXX Il . XXXX.I called discover and gave them the credit card number of XXXX.They in turn did not investigate on that they investigated on my legal XXXX i have that i did not even use.The discover card that my sister got is still in use.My sisters name is XXXX, but she goes by her maiden name of XXXX.I want discover to close this account and investigate, but they will not.They said XXXX must be wrong.XXXX told me they are not wrong that is the information given to them by discover.I have copies from XXXX showing this.I send discover all the information and my identity, but they still refuse to do anything.Please help me out because i want to have my sister arrested for this so she stops.
Briefly - I was given a XXXX machine for XXXX XXXX, which did not work and was returned. I was promised a refund but when I showed with my XXXX machine but the only person to receive my machine was an assistant ( who I had never seen before ). She stated that the XXXX principals were not in ( even though I just talked with them by phone ) and that they did not have to be present to refund my {$500.00} deposit as they would refund my charge card from the info I had already provided. Not only did I not received my refund as promised, they then sent me a bill in XXXX for {$700.00} and sent me to collections as the same time. I informed the collection agency of the problem I was having but they informed me that their only responsibility/concern was to collect. Please help. Thank you!
Despite multiple requests by mail, e-mail, and voice-message, NationStar would not issued a corrected Form XXXX for many months, wasting many hours of my time. It took me until XXXX XXXX to get them to issue the corrected form.
NDS Corp. 
XXXX XXXX XXXX, XXXX XXXX, XXXX , ARIZONA XXXX Re : Letter dated XX/XX/XXXX We need all and any documents that pertain to my loan ( not one or any documents should be a secret or confidential and hidden from us ). 
Any remaining documentation being requested and will not be fulfilled and or provided will be unduly burdensome to me and to my family! 
Letter dated XX/XX/XXXX No document to be privileged or proprietary! I have every right and more benefits to demand every document from the past to present that is connected to my loan, no secret documents should be kept from homeowners and from any authority. 
I need all corporate assignments of deed of trust from XX/XX/XXXX to present. The one on record dated XX/XX/XXXX was produced under fraud, therefore under the California and federal law it is void, cancelled and has no validity. I need copies of all original notarized documents and its original notary book with thumbprint and a current affidavit signed under penalty of perjury of all authorized staff, notaries, attorneys etc. that have been involved in dealing with my loan from XX/XX/XXXX to present, to verify and validate that my loan was handled in accordance with all Federal and State laws. The original deed of trust was recorded on XX/XX/XXXX not XX/XX/XXXX plus many more discrepancies, please have a forensic document examiner review all documents pertaining to my loan, from XX/XX/XXXX to present. 
ALL WRONGFUL FORECLOSURE NEEDS TO BE INVESTIGATED BY THE PROPER AGENCIES!
XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to Transunion. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XXXX I recieved a settlement offer that states the balance as {$16000.00}. To Transunion they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and TransUnion and XXXX  allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because TransUnion and XXXX continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
I have contacted TransUion about XXXX XXXX XXXX XXXX Account Number : XXXX ) that is reflected on my credit report. When I contacted XXXX XXXX XXXX to inquire about settling the account they informed me that they no longer own this account. When I informed TransUnion of this to have them remove this from my report so that my report reflects correct information, the only communication that they will send me is a letter that says they have previously investigated this dispute. 

Information regarding this account has changed and should be reflected as such on my credit reporting file.
I was a XXXX customer between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, XXXX, to mediate the dispute. After contacting both sides, XXXX issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the XXXX Bank decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after XXXX Bank resolved the mediation in my favor. XXXX referred this debt to a collection agency, XXXX, so I filed a complaint with the CFPB ( XXXX ) against XXXX and XXXX. XXXX responded to the CFPB to state that XXXX had, " closed and recalled this account, '' and, " XXXX will make no further efforts to contact you. '' However, this adverse item continues to appear on my Experian credit report. I disputed the adverse item with Experian and they refused to remove the item from my credit report, even though XXXX has provided zero evidence that this is a legitimate debt. 

I am contacting the CFPB for their assistance in mediating this issue with Experian, and to help remove this black mark from my credit report.
Chase Bank accepted a {$3500.00} check for deposit which was made payable jointly to myself, my wife, and  XXXX   XXXX   XXXX   ,   XXXX  ( "  XXXX  '' ) as non-alternative payees, with an unambiguous " & '' symbol on the payee line.  XXXX  forged endorsements for myself and my wife and deposited the check without authorization from myself or my wife, in violation of California law including Californ ia Commercial Code Section 3110 ( d ).  Our insurance company wrote a letter to  XXXX   XXXX   XXXX   ( t he payor bank ) stating that I was entitled to {$1400.00} of the check amount.  XXXX   XXXX   XXXX  made a claim with Chase Ban k ( th e deposit bank ). On  XXXX   XXXX ,   XXXX  , Chase Bank improperly denied the claim on the basis of a purported and unlawful power of attorney. Chase Bank 's denial of the claim was an unlawful, unfair, or fraudulent business practice within the meaning of California Business & Professions Code Section  17200,  because in so doing, Chase Bank assisted  XXXX  in stealing my {$1400.00}. Under Californi a Probate Code   Section 4121, a p ower of attorney is legally sufficient only if it is acknowledged before a notary public or signed by at lea st 2 witne sses. The purported power of attorney which Chase Bank honored was not so notarized or witnessed. As such, under Califo rnia Commercial Code Section 3403, the  endorsements were ineffective. Chase Bank violated Califor nia Commercial Code Section 3404 ( d  ) by failing to exercise ordinary care in paying or taking the check with the forged endorsements and refusing to honor the claim. We have been trying to persuade  XXXX  to return the money for years, but  XXXX  refuses.  XXXX  has admitted that it signed our names despite promising to hold the check while we were resolving billing issues with  XXXX . There is no dispute of fact that  XXXX  signed our names.
On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
I received my 3 credit report and there are some inquires that are listed on it that NOT mine.. I contacted Transunion several of times. With contacting them they told me that I needed to contact every creditor on my report and obtain a letter of the deletion. Everyone that I contact advised me to dispute with Transunion repeatedly. Okay I contact ALL of the inquires that did n't belong to me. Have contacted TransUnion so many times to address the situation and it has n't been address.. I was advised by a Transunion US supervisor to go to my local police department and file a report. Which I 've taken the proper steps to get this removed. I just need this inquires removed this hurting my credit BADLY. It very emotion draining for myself, what I 'm trying to do with my life. I listed the following things : XXXX XXXX XXXX XXXX XXXX.- ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX - ( XXXX ) -XX/XX/XXXX XXXX XXXX - ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX- ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- ( XXXX ) - XX/XX/XXXX XXXX- ( XXXX ) XX/XX/XXXX I also contact XXXX as a financial company that I was using for a car I got. I volunteer return the car due mechanical trouble from day 1.. I stated that to the company and they said they are n't responsible for all of that. It was too much paying for the car and getting the car repair. I talked to the dealer was n't any help after WEEK 1. this is showing negative on my and mother credit and I need this off. because they no have the account anymore. But I did everything we are suppose to do make it and resolve it.
On XXXX XXXX a charge was taken from my Indiana XXXX debit card. I notified them of this charge and took all the precautions to dispute the transaction. I can not speak to any representatives, Ive been on hold multiple times each over 30 minutes this is ridiculous. I have to report my card as lost or stolen to even have an option to speak to a real person. I currently still do not know what is happening with my case or money {$23.00}. Yea its just XXXX $ but its my childs money for XXXX and no money is available so my child misses out. XX/XX/XXXX
this account was previously removed and deleted from my trans-union credit report, only to be re-added recently, this is a violation of FTC rules XXXX XXXX XXXX XXXX, OH XXXX Account Name XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$800.00} Limit $ XXXX Monthly Payment {$0.00} Last Payment Status Unknown Term 0 months Loan Type Charge account Opened XXXX/XXXX/XXXX Reported XXXX/XXXX/XXXX Remarks Chapter XXXX bankruptcy
I am submitting this complaint on behalf of my son ... my son is in XXXX several months ago ... my son received a letter dated XXXX XXXX. 2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his XXXX at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..today..XX/XX/XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in rehabilitation for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..
I have no idea who or what type of collection this is for. It says the original creditor is " XXXX XXXX '' and a balance of {$2100.00} This is not mine. Please delete. Never received anything from the XXXX XXXX and it appears to be an error. Please delete.