WillisBack/dataset-financial-user-claim huggingface dataset:
I received a " pre-approved '' letter from Advance Financial 24/7. The letter stated I was " pre-approved for a loan of {$4000.00}. '' I completed the paperwork and provided the requested documents, but they said I would have to wait a few day sfor it to be processed. Only to get an email within the next hour, to say my application was denied! I tired to email them ( at XXXXXXXXXXXX ) & call them XXXX at XXXX ), but NEVER recived a reply, response, or was never able to speak to someone!
On XXXX XXXX, 2016, I received mail from Portfolio Recovery about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Portfolio Recovery to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Portfolio Recovery has contravened its XXXX statutory requirement to sufficiently validate the debt.
I applied for an auto loan at XXXX to purchase a vehicle and received financing from Santander Consumer USA for a loan amount of XXXX. I put down {$800.00} and traded in a XXXX XXXX XXXX that was worth {$6400.00}. I was only given $ XXXX for the trade in value that was used to pay off a title loan at 17 %. XXXX issued financing from Santander Consumer USA at the rate of 26 % for 73 months. The salesman stated the rate is not negotiable. I could not speak with Santander Consumer USA. I believe there were incentives to the dealership for this exorbitant interest. I have made 15 payments since XX/XX/XXXX and the loan amount is {$19000.00}. I believe ECOA was violated. I was unfairly treated when issued this higher interest rate. I was discriminated against because of my sex and race.
NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS FAT ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!
Claim number XXXX Account Number XXXX On or about XX/XX/XXXX, XXXX debited my checking account for the amount of {$770.00}. This amount was not authorized and I notified BofA on or about XX/XX/XXXX. BofA credited my bank account for the {$770.00} along with the NSF fee 's that came from the unauthorized debit in the amount of {$170.00}. BofA missed two NSF fee 's, so the total NSF fee credit should have been {$240.00}. 

On or about XX/XX/XXXX, BofA took the money back out of my account, and they also recharged my account for {$170.00} as well as an NSF fee. 

When I called BofA to inquire as to why they charged my account again, I was informed they never received the Unauthorized ACH debit form, despite me faxing it to them. I then faxed it to them again on XX/XX/XXXX and again on XX/XX/XXXX. This form was faxed to XXXX. 

As of this date, they continue to claim that this form has not been received. My account is overdrawn over {$900.00} and this banking error is negatively impacting me.
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Loan # XXXX Wells Fargo Bank To : I am writing you asking for some assistance and support to help, saving my home with wells fargo Bank. I recently had some set back that lead me to be late on payments and have miss payment .During that time I had a loan Modifications.I been calling and writing the bank asking for help to get back on track. They told me to re-apply for a loan Modification which I done, but was denied .I was only oweing XXXX and the prices just going up and up .During this time I ask to be on a payment agreement and was told no, also they told me if I get to reinstate my loan I would have only have 30 days to pay XXXX where would I get that from.I am a single parent with kids in the home .Wells fargo telling me to short sale my home, I feel like they dont want to help me and just want to see me and my family homeless. I been thru Hud couseling and my counsel is XXXX XXXX whos trying her best to help me save my home her office is @ XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Phone : XXXX Fax : XXXX Website : XXXX Agency ID : XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX She was looking into different grants and programs to help me out.All the other people I went for help seems like its a no win thing.I went to court but nothing happen, because wells fargo didnt propertly serve me any court papers .So my court date I have to wait for it too come in the mail.They are trying forclose on my home, I am begging please to help me .I am a single parent working mom, where would me and my children go if we get put out Believe me Iam trying I want go back to school right now I cant because ei would over stress, because I dont know if I will come home to a home..I ask can the payments go on the end of my mortagage, but I was told no.They say we dont want your house, but wont and cant give me any assistance .Then said if I done a repayment thats price will be double that amount XXXX every 2 weeks until its paid off or it can go as long as 12 months .every day I m watching the news and reading about them getting over on consumers with false loan modifications and bank accounts and so on.I am not a bad person I just need a little help, thru out all this some wells fargo member was mean and rude .But I just prayed for everyone for better days, I prayed for myself, the wells fargo rep and the underwriting that they say keep denieding me for everything .Im stress out heart broken over the fact I may be losing my home and there s no help out here .Is it something you can do to help me? I am trying to get my credit straight and better .Because refiance I was denied .Is there any grant money out here to help people get caught upon their mortgage.I very much appreciate you and your time to read my letter XXXX thank you in advance for help .They have an lawyer and sheriff people of XXXX all ready to take my home I contact save my home, I apply for other loans to get help was denied .They people coming out to the house taking picture of my home scary my kids .this is sad. I look forward to hearing from you. 




Thanks, XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
In XX/XX/XXXX my daughter bought what she believed was a 3 month membership to XXXX XXXX. She and I met with a personal trainer and advised him we were only on a 3 month membership-he never advised us otherwise. We went only in XX/XX/XXXX and quit going. They did not bill her after the 3 months (XX/XX/XXXX-XX/XX/XXXX ) but in XX/XX/XXXX they suddenly billed her on her credit card. We advised them it was an invalid charge. They advised us she was on a monthly contract and needed to notify them to cancel. Unfortunately my daughter did n't read the contract and they had put her on month to month. We notified them to cancel. They said it was billed in arrears so they would cancel next month. So she went ahead and paid that charge. BUT they billed her credit card again the next month. We disputed it through her credit card and they charged it back to the fitness center. The next month they tried to bill her again. We cancelled the card and it was charged back to them again. Almost 1 year later they decide to send me a bill in the mail. I sent them all the proof that the membership had been cancelled and advised them that I never signed anything or authorized them to bill me in anyway. They advised me they would take care of it. They referred it to a collection agency. I advised the collection agency that my daughter has cancelled her billing and that I never signed anything and the charges were not owed by me AND I advised them never to contact me again. I just received another threatening " attorney '' letter with proof clearly showing that I never signed the contract. I have all the credit card paperwork and dispute letters still.
Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
I have now received 2 collection letters from a law firm in XXXX XXXX, TX regarding 2 unpaid parking tickets. Offense dates were XX/XX/XXXX and XX/XX/XXXX and reference a vehicle I did not own. After the first collection letter in early XX/XX/XXXX, I was told by the agency that I must contact the city of XXXX XXXX to get myself taken off the list. I did contact the city and after reviewing my documentation the city agreed I did not own the car and that I would be removed from the complaint. The city sent me an email on XX/XX/XXXX releasing me from liability. The second collection letter was received XX/XX/XXXX threatening to boot or tow my car if I did not pay the fine plus penalties
After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXXXXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX not mine
On XXXX XXXX, 2015, a " hard inquiry '' was made on both my XXXX and XXXX credit report by XXXX XXXX XXXX XXXX XXXX for purposes of determining eligibility for an " unknown '' reason. That inquiry is damaging my credit rating to date. Be advised that this his writer " did not '' at any time request either a loan or credit card from XXXX XXXX XXXX and/or its affiliates. I contacted both XXXX XXXX XXXX, XXXX XXXX, [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX ], and Premium Credit Bureau/Dept., Reporting Agency, [ XXXX XXXX. XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX ] seeking redress, but to date I have yet to receive a Case Number or a response to my dispute and request for verification pursuant to 15 U.S.C. sec. 1692g of the Fair Debt Collection Practices. These facts withstanding, I am respectfully requesting CFPB investigate this matter and take the necessary steps to remove this erroneous entry from all credit reporting agencies ( i.e., XXXX, XXXX, XXXX, Premium Credit Burea, XXXX ). 

Your time and consideration will not go unappreciated.
I hold a checking account at XXXX california and have been with them for nearly 6 to 7 yrs. now suddenly they say that i hold keep a minimum balance of $ .XXXX/- all the time in my account. this was not the case when i opened the account. they charged me maintenance charges of $ .XXXX/ which on complaining was reversed. I am a XXXX with no income and my children deposit. money into my account when ever i need. I do not take ssi. hence there can not be any direct deposit. hence i feel that such compulsion of keeping balance mimimumm shoudl not be applied.
I tried to resolve the issue with payments online message center to resolve the issue and I 'm not making any progress and I tried to dispute a XXXX day late payment XXXX even though all my payments have been received. I was XXXX days past the due date in XXXX and XXXX and they reported me 30 days late. I believe a double payment was applied towards the principal. I also am being charged a higher interest rate of 27.900 % for not receiving a minimum payment 60 days from the due date of XXXX/XXXX/2015. A payment was due on XXXX and paid on XXXX however ; the statement from XXXX XXXX to XXXX XXXX, 2015 the payment was n't applied- until the next statement- which they state is XXXX days from the due date. Which is misleading and confusing. That is not 60 days- and inaccurate. The statements are made to be confusing to the consumer as when a payment is accurately considered 30 days late. Is it considered 30 days late from the month its paid in or is it late from the payment date on the XXXX th of each month? Please explain. 
I sent them this letter on XXXX XXXX, 2015 : In reference : XXXX day late payment dispute for XXXX 2015-XX/XX/XXXX 2015It has come to my attention that after looking at my payment history there may have been an error on your part in the application of my payments. At one point it appears that you may have not prepaid my account, as I specifically requested and that you have applied a double payment towards the principal, again contrary to my expressed will. Please provide a detailed payment history including dates, application to principal, interest and late fees immediately upon receipt of this request. I will compare the dates and the amounts to my records to determine where this discrepancy aroused. At this point I believe this to be just a bonafide error on your part however ; as it has resulted in a XXXX day late to my credit profile it is a serious matter. Please provide this documentation immediately that I may determine where the application of a double payment to my principal balance as opposed to the prepayment of the next payment arose and thereby your bonafide error was manifested. Again at this point I will review this matter with my Attorney with the understanding that should this be cleared up in an expeditious fashion, there will be no fair credit reporting act violation and no fair debt collection practices violation. 
Thank You for your immediate attention in this matter,
The billing information for my promotional balance of my credit card was not provided via the account webpage that purported to contain all of my account information resulting in me being charged {$400.00} in interest that could have been avoided had I been provided with the same information provided in billing statements. I signed up for paperless billing and I am directed to the homepage of my profile each month to make my monthly payment. I do not see the " paper statement '' that is sent nor am I prompted to review said statement prior to making my payment. Instead, I visit my account home page that contains my transaction history, payment information, due date, etc. I also look for messages regarding my account in the electronic messaging system. To my surprise, having received no notice via the messaging system or my account homepage, I have been charged over {$400.00} in interest because of promotional balances that have allegedly not been paid off. I did not receive anything electronically notifying me that the expiration period was upcoming or that I risked being charged these amounts. Had I known of these issues, including the fact that there was remaining balance on the promotional amounts, I would have made sufficient payments to avoid these interest payments. It is disingenuous that the homepage purports to represent pertinent account information, but this issue is hidden in a statement that requires to be downloaded. This information should be readily available on the account homepage as is all other important account information. It should be far harder to find what my XXXX Rewards balance is than to find information that exposes me to {$400.00} plus in interest. <P/>The failure of the resolution of this matter has led my account be over the limit and the cardholder closing my account without notice.
I received an email from Kohl 's regarding late payment, so I called today ( XX/XX/2018 ) trying to understand the charges. I was advised that I had an outstanding balance of {$110.00} accumulating on my account. After lengthy conversation with the associate, I was advised that was due to one late fee previously not paid, so the following month they imposed another late fee on top of that, subsequently added a third and fourth late fee in the following month, accumulating to {$110.00}. The associate was helpful and offered to waive one late fee initially, then offered waiving of two late fees of {$74.00}, and asked me to pay today for balance of {$39.00} in order to avoid being reported to credit bureau. I explained to her that this is an unfair practice to bill the hefty fee on top of hefty late fees, esp. to the valuable Kohl 's customers. The lady agreed and apologized, but said that she could do nothing else. I strongly believe this was not right and I should not be charged late fee on top of late fees for multiple times. Kohl 's should immediately stop this ill practice.
This is a copy of the letter sent to Experian less my very personal information they required for verification. 

XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Customer Complaint I have been billed to my Debit Account several times in the last 3 months following attempts to open my credit report for a bank inquiry. In no way was I trying to set up special pay for services. All I wanted was to release the lock on my account. 

Debit Transactions XXXX/XXXX/XXXX {$4.00} XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Charges {$55.00} I find this to be deceitful and unprofessional and do not accept these charges. Please credit my account the {$55.00}. I believe I have changed the account to a no fee based system. I was totally unaware of the " Pay For '' service, especially since I was attempting to unlock my credit report. I am copying the Better Business Bureau, My Congressman, and the Consumer Protection Agency. 

Sincerely, XXXX XXXX XXXX Cc : Better Business Bureau XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX has been removed for this copy
I have for a year now being reporting fraud account on my credit report and supplied experian with the police report they requested and they still have not removed the fraud account. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
My client has been contacted by a debt collection agency regarding an alleged debt. They have refused to disclose the original creditor, and when my client requested they send him a letter with information about the original obligation, the original creditor, or the method of calculation of the debt, they told him that " they do n't do that. '' This morning they left my client a voice message indicating that a " complaint has been filed '' against my client 's name and social security number, and that if I " refuse to cooperate '' they will " release information to my employer. '' I believe they have violated the FDCPA and that appropriate sanctions should be assessed against them. My client has no recollection about owing this money but they collection agency refuses to provide additional information about the alleged debt.
JTM management phone number XXXX.

Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is XXXX XXXX XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to JTM management. XXXX XXXX number is ( XXXX ) XXXX. Attached is part of the second source of my income which is XXXX XXXX XXXX.
Navient calls me 10+ times a day after only being 1 day late for pmt, if I do n't answer then they harass my Mother because she is a cosigner, they call from different numbers every time and even outside of their business hours. If I answer and tell them that I plan to make a payment they still call and harass me every day
I made an on-line payment to by Paypal Credit Card issued by XXXX XXXX on XX/XX/XXXX. as of XX/XX/2018 payment was still pending eventhough it had cleared my bank on XX/XX/XXXX. Now, XX/XX/2018 Paypal has received payment,, posted under payments received, BUT THEY HAVE NOT posted it to by account balance They say it is a " computer glitch '' ..When i called on XX/XX/2018 they said it would be fixed the next day,,, now it is going to take upto another week. 

I have a late fee attached to by account because of their " computer glitch ''.
I have stuff on my report that does not belong to me, I do not go by XXXX, i go buy XXXX, The Credit Bureaus see the info is not mine but told me to dispute this stuff with you.
EOS CCA, acting on behalf of XXXX XXXX XXXX XXXX XXXX, has re-aged a XXXX XXXX account that went into collections back in XX/XX/XXXX and are reporting it on my XXXX credit report as XX/XX/XXXX. I have filed disputes to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get this item corrected.
My Complaint has been on-going and not resolved with the Mortgage, first with XXXX XXXX, and then XXXX sold the home, and now SPS Inc, is the Servicing the Mortgage. 
The latest information/nonsense sent to me from SPS Inc., involves a letter from them to me dated : XX/XX/XXXX. I had asked SPS Inc., to provide me with the Appraisal done by XXXX XXXX in XX/XX/XXXX. SPS Inc., had another Appraisal done on XX/XX/XXXX, using homes in the same area in very poor condition, in order to bring down the price of the Appraisal, from what had been previously done in XX/XX/XXXX. 

SPS Inc., is aware that the remaining Loan Balance is is lower than the Appraised Value of the XX/XX/XXXX Appraisal, therefore SPS Inc., will owe me the difference, and they are attempting to low ball me, in order to avoid, paying me the balance.