WillisBack/dataset-financial-user-claim huggingface dataset:
This is reference to regional acceptance corporation. I have been constantly lied to by this company. I asked them what the amount was that I owed to bring the account current and so I won't get assessed late fees they have given me so many incorrect amounts I go good for 4 month and then they turn around and say I owe late fees or certain hidden fees that I was never made aware of my payments have always been on time have always been met and they are tacking on all these additional fees and they are not willing to wave any of them or explain in a defenate answer what they are in relation too.
i took out a career training loan in 2005 aprox {$26000.00}. i'v been paying on this loan since a total of over {$40000.00} and still owe round {$11000.00}. this loan is a variable rate and i called Navient to see if the interest rate could be converted to a fixed rate being that i have paid over {$40000.00} on this loan and they flat out told me no. Seriously, i have paid well over what was borrowed and they are not willing to work with me to try and get this loan at a fixed rate. i was not even asking for a loan forgiveness. i was told i would need to re-finance through another banking institution.
The week of XX/XX/XXXX I sent the credits bureaus letter about ERC on my credit and ERC sent me copies of bill statements but they fail to validate that I owe them a debt. They did say any any documents with my signature or document stating I was responsible for owing this debt. Also the bill statement ERC sent shows a balance of {$2000.00} but updates on my credit reports every month as {$1800.00}. This debt was removed from XXXX did n't it was n't enough validation but XXXX and XXXX  updated saying Meets FCRA Requirements
XXXX XXXX ( Alabama XXXX XXXX XXXX, XXXX. Removed the amount of {$580.00} for my account and added back on. I have disputed this and nothing was done. I have not received anything by mail or telephone stating I owe any thing. This should be removed.
XX/XX/XXXX-XX/XX/XXXX- my Wells Fargo business account was drained with 63 individual charges at XXXX  

transaction. There was nothing left, but an overdraft. I attempted to fix the issue- using the phone number referenced on the account. I was told I would be getting a refund due to a system glitch, and they wanted to see the charges from my bank statements. I allowed access to my account, assuming I was speaking with 'billing department '. I had deposited {$650.00} dollars the day before, and {$620.00} dollars was taken out during phone call, with an approved wire transfer from Wells Fargo.
See notice sent multiple times, still with no response : " In XXXX of XXXX, XXXXXXXX XXXX XXXX XXXX ( of XXXX Arizona ) made a collections filing for a balance associated with my account. The filing was for $ XXXX and was made to US Collections West. However, this action was made in error and I expect that it will be corrected in a timely manner. 

On XX/XX/XXXX, I provided adequate formal notice of lease termination ( 60 days ). Before the XX/XX/XXXX move-out date, I vacated the residence returned keys to adhere to the move-out procedure and agreement. I payed all fees associated with the lease and account, and had a XXXX  balance as of XX/XX/XXXX. The lease was formally terminated on XX/XX/XXXX as documented ( see the attached record ). 

At no instance did I receive any notice from XXXXXXXX XXXX XXXX XXXXXXXX regarding an outstanding balance, nor any notice that this alleged account balance would be sent to collections. 

Additionally, at no instance did I receive any notice from XXXXS Collections West regarding a collections filing or account opening. 

It was not until XX/XX/XXXX that I had any knowledge of the collections filing. My application for a credit account with XXXX XXXX was denied as a result of this error, and I swiftly contacted XXXX  to file a dispute. 

As a result of this error, my credit has been adversely affected to a severe degree, and I was denied a credit line that I needed to restructure my finances for an upcoming, time-sensitive purchase. 

I have made numerous attempts to contact XXXXXXXX XXXX, as well as XXXX representatives, with no response or answer. 
Again, I expect that this issue will be resolved in timely manner as a result of immediate action taken upon the receipt of this correspondence. I will need the new credit account opened as planned by XX/XX/XXXX. 

If this is not resolved with sufficient time for me and XXXX XXXX to open the new credit line with an amended and accurate credit report reflecting an accurate credit score, I will need to exercise my right to take action and seek compensatory damages as outlined by US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FDCPA Section 807 ( 8 ), FDCPA Section 809 ( b ) FTC opinion letter Cass from XXXX, and any additional violations  dated after this letter punishable by consumer laws not currently mentioned. 

Finally, if any additional credit bureaus beyond XXXX and or agencies received a report on this false filing and currently maintain a record that is currently beyond my knowledge, it is the sole responsibility of the filing party -- XXXX XXXX XXXX XXXXXXXX ( of XXXX Arizona ) to contact all additional agencies and ensure guilt is admitted for filing a false claim and that the record is swiftly removed. If this procedure is not taken, I will pursue compensatory damages for each violation of US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX, and FCRA Section 623. 

IF I DO NOT RECEIVE A RESPONSE FROM INVOLVED PARTIES BY XX/XX/XXXX, I WILL TAKE LEGAL ACTION TO THE FULL EXTENT I AM ABLE AS A RESULT OF THE SERIES OF AFOREMENTIONED VIOLATIONS. 

Thank you for your cooperation and compliance. ''
My loan is separated into different accounts from there into separate disbursements that have separate rules for interest rate reduction and subsidized/unsubsidized status. For more than one whole year, I have put {$400.00} extra into my payments to ACS for my XXXX student loan. I have explicitly requested ( sometimes on a monthly basis ) that all additional payments be allocated to specific accounts. At first, I requested to allocate them to the loans that did n't qualify for interest rate deduction for auto pay. After discovering the ability to see the different loans on my account ( by accident, as it is not explicitly explained on the website ) I started requesting the amounts over my minimum payment be allocated to loan # 6 because that loan is unsubsidized and has the highest interest rate. I tracked my account balances in a separate XXXX spreadsheet ( attached ) because I have no trust in my loan servicer to follow my instructions. The account balances decreased, not at the rate I thought they should have, but that is not the primary issue here though. Between XXXX XXXX and XXXX XXXX, a time period that included a regular monthly payment, my account balances for my highest interest rate loans, # 5 and # 6 both increased. Loan # 5 increased from {$3500.00} to XXXX. Loan # 6 increased from {$3400.00} to XXXX As I understand it, this occurred during the time that XXXX was selling it 's student loans to XXXX, which makes this an even bigger potential issue than my account alone. I submitted a complaint quickly on XXXX XXXX. I received confirmation of receipt and that I would receive response within a week. As of today, XXXX XXXX I have not received a response.
I applied for a VA mortgage loan from Guaranteed Rate XX/XX/2017. With XXXX mortgage lender XXXX, XXXX, IN XXXX.XXXX requested for my permission to pull my wife XXXX and my credit reports and we did. At that time he requested for my wife and I XXXX, XXXX XXXX 's and tax returns. Which we submitted. XXXX said base on our credit and income he could get us approved for the VA mortgage loan. So my wife and I agreed to the loan process. XXXX processed my loan through and stated because of my bankruptcy was not 2 years out it would be a problem. I informed him that VA will allow Hardship letter to be accepted for the 2 year waiting period after bankruptcy. He checked into it and contacted me. Saying that he would give me an pre-approval letter, but he did n't want to sign his name to the pre-approval. So he suggested to get a full approval by a manual underwriter my wife and I agreed. After looking at my credit report and income XXXX VA mortgage loan was to have me sign a loan application, which my wife and I did. We began the process with no pre-approval loan letter under the understanding that the underwriter would approve our loan. We sent in every document request by the loan processor XXXX Mortgage consultant and XXXX XXXX. XXXX, XXXX and XXXX all knew what was on our credit report and my hardship letter for the 2 year waiting period. My hardship letter was acceptable for the VA. I contacted the VA Affair inquired about accepting my hardship letter and they inform me it would be accepted, but the lender would be the one 's to accept it or not. On XX/XX/2017, I received a phone call from XXXX saying my loan was denied. For the bankruptcy and a late payment on my credit card from last year. So I asked did the VA not accept my letter of hardship to reference the 2 year waiting period and he said his VA underwriters would not accept it. Alone with some late payments on my credit card. I said really. You had me wait a month to tell me we was denied the loan. Even after you knew my credit report history and why I did a bankruptcy, but you still sent it to underwriter to denied me the VA mortgage loan. XXXX then stated if you contact me in XX/XX/2017 we will be able to get you approve, because it will be after the 2 year waiting period. So really I did n't get the loan because they did not want to accept my hardship letter. How is that ethically moral. I feel like I was took advantage of, because they knew they was n't going to give me a loan. After taking the HUD Home buyers class. I was inform that before going to the underwriter I should have been giving a pre-approval letter. Which I never received. This mortgage company took me for a roller coaster. By pulling my credit and causing our score to take a hard hit. Misleading and misinforming us on the VA loan processed.
Equifax placed a freeze on my credit score without asking or telling me and it is a mager undertaking to get it lifted .I would like it lifted and would also like to know what right they have to do such.
I requested mortgage assistance from Wells Fargo and was denied for home retention options. I was told my options to avoid foreclosure were deed in lieu in foreclosure or to list my home for short sale. Opting to short sale my home was the most difficult decision to make but we made it. With a broken heart we did list the home and sent everything Wells Fargo needed to start the short sale process. Calls to confirm receipt of the documents we sent were made and Wells Fargo confirmed the documents were received and were being reviewed. Now that I call to check status on the short sale process I am being told the sale date is active and will be taking place as reviewing my request to short sale was received too late. I asked why was I not informed of this on XXXX XXXX, 2016 when I called to check status on the request? Instead I was told the documents were received and were being reviewed. Never the less the representative was very rude and told me they are moving forward with the sale date. I told the representative what options are they providing me with to avoid foreclosure and the representative very mockingly answered " NONE ''. I told the representative I am in California, and here it is a requirement that ALL lenders provide an alternative to avoid foreclosure. The representative again told me I have no options and asked if she had addressed all my concerns. I asked to speak with a supervisor and of course the call was terminated. I called back to speak with a Supervisor and would get transferred to the Home Preservation and of course as usual I get the voicemail. This entire matter has been difficult God is my witness we tried and tried to make ends meet and have accepted the reality, which is we can not afford our home which is why we decided to to proceed with the short sale process. I am very very very sadden with the treatment and inaccurate information and the acts of bad faith Wells Fargo. I have asked for a postponement as there is a buyer and I will be penalized and will be required to pay the buyer for the cancellation of the process, which is money I do NOT have.
This complaint is associate with my XXXX XXXX XXXX. " Convenience '' checks carrying a 0 % APR were recently sent along with my monthly statement. The description of " Fees '' associated with these checks only refers to " balance transfers '', which are subject to a XXXX % fee or {$5.00} whichever is greater. I used XXXX of the convenience checks to pay a contractor working on my house, these checks were NOT used to transfer the balance of another credit card. The XXXX checks were written for {$2500.00} and {$240.00} respectively. I was charged fees of {$100.00} and {$9.00} respectively for using the checks. I called the credit card company to protest the fee, explaining that the fee description only mentions balance transfers as being subject to a fee, and that I did NOT transfer a balance from another credit card. I repeatedly stated my case and requested a refund of {$100.00} - the combined total of the XXXX fees. The credit card company has refused to issue me a refund. I find their description of fees for the use of these checks to be totally misleading and deceptive.
In XXXX Legal Recovery Law Offices XXXX Inc., in XXXX XXXX, CA, who was representing XXXX, filed a lawsuit against me for a debt for a credit card I had originally with XXXX. Since I was unaware of XXXX right to collect on this account, I requested validation of the debt. However, I received no response even after filing my answer to the court and even through the " discovery '' phase. Now, three years later on XXXX XXXX, XXXX, Legal Recovery Law Offices is now representing the buyer of this debt, XXXX XXXX XXXX XXXX XXXX, and has filed a " Memorandum for Trial Setting '' on this debt, which is now time barred according to last-payment information on my credit report. According to my credit report, the last payment I made on my XXXX account was XXXX XXXX, five and a half years ago. My understanding is that according to California law, debt collectors can not sue for a debt that exceeds the statute of limitations or is " time barred. '' I am writing a letter to the XXXX XXXX XXXX Court asking the judge to dismiss the complaint due to the failure of the plaintiff to validate the claim and the fact that the statute of limitations has passed.
When l checked my XXXX, XXXX and XXXX, l realized that ; CAPITAL ONE reported an inquiry to 3 of the bureaus on XX/XX/2018 which l have no idea about.
on XX/XX/2018 a credit check was done. I DID NOT AUTHORIZE THIS. I did inquire about a loan on my PAID FOR HOUSE but did NOT NOT NOT authorize a credit check. I am furious about this and want something done asap.
There is a medical debt listed on my XXXX credit report that is not mines. I have contacted the collections department/credit bureaus disputing this debt however it is still showing on my XXXX credit report. This is not my debt.
I searched XXXX on XX/XX/2018 at approximately XXXX for tickets to see XXXX XXXX perform at the XXXX XXXX XXXX XXXX in XXXX XXXX, MD the following night. I responded to an ad and begin texting with " XXXX XXXX '' of phone number XXXX and email address XXXX. I was texting the phone number and I sent a test email to her email address, so they both were active as listed at the time. I agreed to buy the tickets advertised and asked to see a ticket purchase confirmation, which she provided via screenshot. I wanted to pay via XXXX, but she convinced me to use a service called XXXX, which I had never heard of. I researched it, it is a legitimate service, and it was offered by my bank, Navy Federal Credit Union, which made me feel safe. I figured the transfer must be bank to bank, so the receiver of the funds should be traceable by name and social sec number like my account is at my bank. I transferred {$500.00} dollars for four tickets to " her husband '' ( XXXX ), but after the transfer, the email accounts and the cell phone number were both taken out of service. I never received the tickets or any further communication. 

I filed a fraud complain with Navy Federal Credit Union, but they rejected it since I agreed to complete the transfer. That is, it was not an unauthorized withdrawal ( theft from my account without my knowledge or authorization ). 

Since the money went from my bank account to some other bank account via XXXX ( through Navy Federal ), I would think the receiving bank would have some evidence of who opened that account and with what ID / soc. sec. number. 

I would appreciate your help. Thank you.
I have contacted EQUIFAX bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave, I deal with a lot of foreigners so I 'm not sure if this is fraud or : I should only have  XXXX  KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX  TOTAL SO  XXXX  ARE NOT AUTHORIZED OR KNOWN!!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED EQUIFAX AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :  XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XX/XX/XXXX
My mortgage company is PNC. I have been a homeowner for 16 years with them and have never been late on my mortgage. I have my insurance and taxes as part of the escrow. A few years back I contacted them to see if I could refinance to get a lower rate. They sent someone out to the house, charged me XXXX and then told me that i could not refinance and my house was only worth a certain amount. The town in which i lived had the house assessed at double what the mortgage company was telling me my house was worth. Fast forward to this year, I asked the mortgage company if I could apply for a deed in lieu or a short sale due to the reasons of my husband passing away and my working in another state and the house sitting empty. At first, they told me that I was approved for a deed in lieu, took a lot of information from me and then the whole summer is spent with me putting my belongings in storage, all the while waiting for them to give me the next step of directions, only to be told at the end of the summer that i do not qualify for a deed in lieu or a short sale because my mortage is current. I told them that I had a letter proving that they told me that i had been approved and of course the mortgage is current, because I wanted to do the responsible thing and was awaiting to hear from them to tell me to stop payment. The person I was speaking to told me that they would not ask me to do that, even though I believe that would have been the only way I might have been approved. As I am trying to move on with my life in another state, I find that my hands are tied to seek out another home to buy. they sent me their official letter stating their reasons for denial and an address and number if I wanted to complain. The number was not yours. I found out about you through the article in XXXX magazine. I have spoken with a friend here in Maine who is a real estate lawyer and she was surprised that they had approved me for the deed in lieu. She suggested that i put the house on the market for the amount the town has it assessed at. So now, I get a copy of my mortgage statement which they send every month, even though I have direct deposit to them and as I am reading the breakdown on the statement, it says that my monthly payment of XXXX was received on XXXX/XXXX/2015 and that the payment to the principal was only XXXX! How can that be? My monthly payment is paying more for interest, insurance and taxes than the principal! Something is not right here. I would appreciate some advise and your help.
This is an ongoing case with case ID number XXXX XXXX XXXX has not resolved this matter even though the merchant is willing to refund me at least half the disputed amount
My husband has a address on his credit report that does not belong to us or anyone we know. I am an authorized user on many if not all of his credit cards and vise versa. I believe this fraudulent address to be on my credit reports as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Called Santander Consumer USA about my XXXX mother 's account. She financed a new truck with them in XX/XX/XXXX with a 72 month contract. The contracts first payment was for XX/XX/XXXX. She got 6 months worth of payments ( 6 payments ) moved to the end of the loan due to illness. The current maturity date is XX/XX/XXXX ( today ) but the balance is still {$9000.00}. I went over the transaction history and most of the payments she made went towards interest, i.e. her payment is {$540.00} but $ 300-500 would go towards interest. This account should be paid out by now unless there is something I'm missing. I need for you all look into her account for me and make sure their actions are justified.
I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}. 
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements. 
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it. 
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection