WillisBack/dataset-financial-user-claim huggingface dataset:
company name ; high desert creditors. located in XXXX calif. 
they continue to call me after being told not to call my job. 1st time was end of XXXX 2016, today they called again at my job. i told him not to call my job any more. this is the 2nd time. he got angry & started talking about how he will call me on another phone. he didnt hang up immediately. he said that i owe {$900.00} & demanded that i pay it. i again told him that i will get in trouble if he wont stop calling.
I placed an order for crypto that totalled {$490.00} with the {$14.00} fee. Then my card was charged another {$14.00} fee! No where did it say my total would exceed {$490.00} XXXX XXXX card limit ) I want the refund of the second {$14.00} fee because nowhere did i agree to that. 

Coinbase case # XXXX Thanks.
I've been in contact with Equifax this regarding the disputes I've reported to them that falls unders SCRA and provided ample documentation for Due Dilgence on the accounts I've reported to them and also had to resubmit additional disputes today also once reviewing the account status that they weren't included in the original submission I've contacted Equifax numerous times to verify the accounts status along investigating the accounts properly and verifying that the creditor is reporting the accounts accordingly with federal guidelines and again they are not. This has continued to be mental anguish, stress, XXXX XXXX alot of sleepless nights. I've exhausted all avenues to resolve my accounts with them and creditors to hand the accounts properly.
M y credit score dropp ed overnight from  XXXX  to  XXXX . I reviewed the information and found that Transunion was who dropped the score. I reviewed the information through a free credit report and found that an old debt from  XXXX  was reported. I have paid the amount off many years ago, around  XXXX , and the information on the report was also inaccurate information. This information was the direct source of my credit being effected immediately, and the cause for the  XXXX  point drop. My complaint is, a credit reporting agency knows the laws and should not have even put that on my credit because of the time restrictions.   I disputed the information and the information was removed and my credit raised back to  XXXX .   Transition should held accountable because they violated the law by posting the incorrect information that affecte dly credit score. Had  I not been diligent in my personal efforts, this would have been left unattended and had an impact that was not fair. I should not have to do their job for them.
In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.
Quicken Loans deliberately allowed my rate lock to expire so they would not have to honor their rate commitment to me, even though they verbally agreed to extend my rate lock.
I AM FED UP WITH WELLS FARGO. THEIR BANK FEES ARE HONOROUS. I HAD APPROX XXXX IN MY ACCOUNT AND XXXX WAS PULLED FROM MY ACCT BY IRS DUE TO A PAYMENT PLAN. FOR MOST MONTHS, MY PAYMENT HAD BEEN XXXX AND I WAS NOT ANTICIPATING XXXX. I PUT XXXX IN MY ACCT THROUGH A TRANSFER WHICH IS POSTED A DAY LATER THAN IT SHOULD BALTHOUGH ITS FROM MY ACCT. TODAY I DEPOSITED ANOTHER XXXX. FROM MY PONT OF VIEW, I HAD XXXX DOLLARS POSTED TO MY ACCOUNT WHICH WAS TO COVER XXXX. BECAUSE OF THE XXXX LATE FEE, I GOT ANOTHER LATE FEE WHEN THE XXXX POSTED. THEREFORE IN 3 DAYS WELLS FARGO COLLECTED XXXX DOLLARS IN OVER DRAFT FEES FROM SOMEONE WHO IS STRUGGLING FINANCIALLY. I HADXXXX IN BILLS AND I AM STILL XXXX IN MY ACCOUNT. I HAD XXXX ADDED TO THIS ACCT AND XXXX BILLS AND I AM STILL XXXX. DOES NOT MAKE SENSE. 
ALSO, I GET XXXX FEES FOR TAKING MONEY FROM MY OWN ACCT TO COVER IN MY IN A CHECKING ACCT SO IT WO N'T BE AN OVERDRAFT.!! 
WITHIN 5 DAYS I MUST HAVE ABOUT XXXX DOLLARS IN BANK FEES. IF I HAD THE MONEY, I WOULD NOT HAVE AN ISSUE. I FEEL THEY ARE PENALIZING POOR PEOPLE.!!!!!
Today, my wife came home and a young man handed her a stack of legal documents and a open envelope. The documents included court papers, copies of my credit card bills, a citation, a petition - civil case, and an affadavit from XXXX XXXX. Additionally was an open envelope with a yellow piece of paper from XXXX XXXX XXXX indicating this to collect a debt. The young man advised my wife the papers were on the sidewalk outside our apartment. Im not sure how long this communication has been outside. My personal information was left outside wide opened detailing my personal information for a passerby to see. This has to be illegal to allow my private financial matters to be left outside in public view.
I am in the middle of trying to get a mortgage. As part of preparing to make sure my credit scores are up to snuff, I ran my free yearly credit report using XXXX free credit report website. I did that in XXXX. At the time, my Equifax credit score was XXXX. In XXXX, I contacted several mortgage companies to seek a mortgage for a home purchase. They of course ran credit report on me. XXXX company sent me the report and my Equifax score had dropped to XXXX. I called Equifax to inquire why my score dropped. The agent I talked to OPENLY admitted that they see a person making a free yearly inquiry into their credit as a negative and give the credit score a negative mark -- -Even though it 's supposed to be 100 % legal to get one 's yearly credit report without risk to one 's credit score! Furthermore the agent admitted they also take the mortgage inquires as negatives as well -- -Even those as well are supposed to NOT negatively impact a credit score if they fall within a XXXX45 day window. 

So in essence, an agent from Equifax admitted they are using illegal credit scoring practices. 

I tried to confront Equifax about this but trying to get through to them is nearly impossible. Also, once the agent admitted the truth about their practices, the phone call was disconnected and I have not been able to get back through to any other agents. 

Bad business practices by Equifax that deserve some sort of penalty? Definitely. 
I could sure use your help in this matter to help put and end to this.
I have a pending complaint to Equifax filed thru CFPB   XXXX  . Their response was addressed to a certain   XXXX   XXXX  , not for me :   XXXX   XXXX  . Are they really working on my c/o. Or did they send their response for me to   XXXX   XXXX   and vice versa. Please see following " copy and paste '' " STATUS '' Company responded o n  XX/XX/XXXX  R ESPONSE TYPE Closed with explanation Company 's Response " Dear   XXXX   XXXX  , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. MO FED BK   XXXX   XXXX   account   XXXX   was verified by the data furnisher with your name, current address and social security number. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,   XXXX   XXXX   XXXX    XXXX , GA  XXXX  or you may visit us at www.equifax.com ''.
I recently learned through XXXX XXXX that AFNI is reporting a XXXX XXXX collection as owed by me to XXXX, a credit bureau. I dont see it on XXXX. Its a debt for {$100.00}, which may not seem like much, but since Ive never had a XXXX account, its entirely too much. I do not recognize this company at all. I certainly dont owe them any money. I tried to dispute it, hoping theyd look into their records and realize it isnt me, but they just verified it as accurate. Its only on one of my reports, so its pretty clear to me that there is a miscommunication happening somewhere from AFNI to XXXX. I have a fairly common name and I just wonder if thats whats causing the issue.
On XX/XX/2018 I opened a Bank of America checking account and received an account approval letter. Please see the attached for the approval letter. After I changed my direct deposit information with the new account, Bank of America involuntarily closed my account without warning or notice. Since this is in direct opposition to account approval letter I did receive, this is fraud and outside of the terms.
On XX/XX/XXXX a check made out to Me from a XXXX XXXX auto group account at Key Bank was deposited into a XXXX XXXX account incorrectly as someone else intercepted the check and sent it to XXXX XXXX for Processing. The check was for {$710.00}. This was money contractually to me from the car dealership. 
I submitted a complaint to CFPB about XXXX XXXX not correcting this timely and they returned the money to Key Bank on XX/XX/18. The next step was to follow up with the car dealership. I did this on XX/XX/XXXX. The dealership will not cut me another check until Key Bank credits their account the {$710.00}. It has been 10 days since the money was returned to Key bank and I still do not have a check from the car dealership as their account has not been credited by Key Bank. This is an unacceptable delay.
I am a XXXX, XXXX years ago consolidated my loans through Navient in order to enroll in the civil service loan forgiveness program. I was instructed by navient to lower my monthly payment from the aprx. XXXX a month that I was paying, to the minimum payment. They stated that after XXXX years of consecutive payments I would be forgiven of my loans. They enrolled me in autopay and put me on a payment plan that they said was the payment plan required for the student loan forgiveness program. They informed me that I was now enrolled in the program and that as long as I did not miss a payment I would have my loans forgiven in XXXX years. 
In XXXX of 2016 I enrolled in a advanced certificate program for education, once enrolled Navient automatically put my loans in forbearance, I immediately called and asked them not to do so because I was in the loan forgiveness program and could not miss a payment, they canceled to forbearance and told to make my payment manually and that I would still be on track for forgiveness. 
In XXXX 2016 I called Navient to ask a question regarding the status of my loan forgiveness program and to ensure that everything was still on track. They informed me that I was never enrolled in the program and that my payments over the last 3 plus years could not be applied to the program! This was infuriating since a Navient advisor walked me through the process and claimed that they enrolled me in the proper payment plan for the program. I followed them step by step over the phone on how to enroll, they made the changes for me and assured me numerous times over the phone that I was now enrolled in the program and did not need to do anything else. The payment plan that they changed me to has cost me XXXX of dollars in interest that I would not have had if they had informed me of the correct payment plan. I trusted the advisor whom I spoke to and that person misinformed me of the process and enrolled me in the wrong plan costing me thousands of dollars.
I was a victim of identity theft and noticed a collection from FMS XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FMS XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
XXXX NMLS # XXXX charged our credit card {$450.00} without our knowledge or authorization. The re-finance was never completed, we were denied, and now just lost the {$450.00} they charged us plus loss of time and stress.
I do not understand the payment history on my account. Repeated attempts to find out why there were repayment plan payments applied when I never agreed to a repayment plan. Local branch and mortgage loan opertations could not explain. I also do not understand why they were satisfying Late charges and expenses instead of trying to get my account current. what was going was to no avail. Credit History has been impacted.
I traded my 2012 XXXX for another car at XXXX XXXX in XXXX XXXX, XXXX Toyota Financial Services reported my car as a repossesion car and reported me to collection agaency by mistake, and ruined my credite from XXXX to XXXX, ofcourse they try to repair thier mistakes but damage was done by thier mistakes, I wonder if anybody from government side can punish this Financial Institution. ThanksXXXX XXXX
am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. It is the result of identity theft. Inquiries 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX Pursuant to section 605B of the Fair  Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 

FAILURE TO DO SO WILL RESULT IN CIVIL ACTION. 

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 

THIS IS MY THIRD AND FINAL REQUEST FOR YOU TO REMOVE ILLEGAL INQUIRIES FROM MY CREDIT FILE. VIOLATIONS OF THE FCRA ARE PUNISHABLE UNDER FEDERAL LAW. 

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 
Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.
My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. 

Approximately a month later in XXXX of 2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt. 
During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. 

My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. 

So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.
Debt collectors denied any following information regarding the collection because I would not tolerate him being disrespectful and hung up the phone and threatened not to respond on the debts that were wrongfully placed on my credit. I have asked several times for the debt to be verified but it has not. This needs to be removed from my credit the company has declined communication with me regarding the issue. Therefore leaving me with a unspoken threat of this being left on my credit due to their non response.
Apartment company is claiming false property damage done to apartments in order to collect money via withholding from rental deposits or billing the tenants. We have video proof showing no damage was done but the property management company subsequently turned in a claim to a property management collection agency who is now harassing us. Note, this property is for housing primarily for XXXX XXXX University students and they are trying to falsely charge the student and parents hoping they will blindly pay.

I requested all of the following information be provided to me by mail and I did not receive it : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Iowa.

Because they have reported this debt to credit bureaus and continued to harass me, continuing to pursue this false debt they are in violation of the Fair Debt Collection Practices Act. 

Attached are the notifications requesting they cease from harassing me for a false claim as well as a link to the video of the undamaged property, XXXX XXXX XXXX XXXX
On XXXX XXXX, 2015, I applied for a HAMP Tier 1 loan modification of my mortgage loan, which is secured by my primary residence located at XXXX XXXX XXXX, XXXX, MD XXXX. I transmitted my loan modification application on the required form " Request For Mortgage Assistance '', dated XXXX XXXX, 2015, to America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application. On XXXX XXXX, 2015, I transmitted to XXXX XXXX, together with other documents, a Hardship Affidavit, which explains the hardships which caused my default on the subject mortgage loan and my need for a HAMP Tier 1 loan modification. In its letter, dated XXXX XXXX, 2015, which rejected my loan modification application, ASC refused to disclose to me what it refers to as the " complex NPV Formula '', as stated on p. XXXX, in the Paragraph entitled " About the calculation required by the program '', which formula ASC states that it used to deny my loan modification application. In addition, ASC has refused to disclose the manner in which it applied XXXX alleged factors to the alleged NPV formula. I have requested several times in writing that ASC disclose to me the NPV Formula and the manner in which the alleged XXXX factors have been applied to the NPV Formula. As recently as XXXX XXXX, 2015, I requested by letter that ASC disclose its NPV Formula, list the information which ASC inputted into the formula and the information which ASC stated that the U.S. Treasury requires ASC to combine with ASC 's information, and the " Treasury required information '' which ASC inputted into the NPV Formula. Again, ASC has refused to disclose the NPV Formula and the manner in which information and its XXXX factors have been applied to the NPV Formula. ASc has not responded to my letter, dated XXXX XXXX, 2015, in which I again made these reasonable requests. ASC has acted in bad faith throughout this loan modification application process.
I made a mobile deposit of a check. I was later informed that the check had previously been deposited the day before to some other account, which was not mine and the deposit was reversed. This is impossible. So then I brought the paper check, which I had saved. I was told that since I had the paper check, this was considered a legal document and that I would be credited the amount in question, which was {$160.00}. Then the credit was again reversed, citing the same issue, which I believe is some bizarre bank error. At my bank 's request, I worked with the person who issued me the check and they shared account information showing that the funds had been debited from their account. My bank then asked me to ask the check issuer to contact his bank and request they write a letter to my bank to open an investigation. This of course did not happen, despite all request being made. Now my banking institution, Bank of America, refuses to open an investigation into my lost funds.
I have a promotional balance of 0 % on my account. Before making additional purchases I called, on or around XXXX XXXX, to verify how additional purchases and subsequent payments would be applied ; wanting to maintain my 0 % and avoiding additional purchases to be subject to interest charges. I was informed that any amount paid above the minimum due would reduce the balance subject to interest charges first. At the time my due date was XXXX and the minimum due was {$58.00}. With this information I proceeded to make make purchases totaling {$5400.00}. 

On XXXX I made a payment of {$1900.00} and on XXXX a payment of {$3600.00}. These two payments total {$5500.00} clearly more than the minimum plus purchases. When I received my statement on XXXX my balance related to the 0 % promotional rate have been reduced and I had a balance of {$1400.00} that was subject to interest charges. I called customer service to get and explanation and I was told that this is how it works and they could do nothing about it. I explained that I had called to verify before making the purchases and was told any amount paid above the minimum due would reduce the balance subject to interest charges first. They said sorry but that was wrong and they could do nothing about it. I tried to get an explanation on how the payments were applied give only a portion of my purchases were subject to charges and I was told that is the average for the period.