WillisBack/dataset-financial-user-claim huggingface dataset:
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1200.00}. APR is 647.79 % with a total finance charge of {$6000.00} over the life of the loan. Semi monthly payments of {$360.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, can The LoanSmith legally still collect in Florida since they are governed by a Tribal Lending Authority in  another state. Loan agreement is attached.
Hi I sent money to my relative in XXXX only $ XXXX on XXXX XXXX, XXXX. As per promise of Western Union they did not get money until now. I contact with them last night and call them many time since today morning but still they did not solve the problem. Therefore I request you to please help me for resolving this problem.
On XX/XX/XXXX a fraudulent transaction appeared on my Chase checking debit card. I called the bank on XX/XX/XXXX to dispute the {$820.00} taken out as cash back from my account in another city 3 hours away at a post office. I was given a temporary credit for the full amount, but on XX/XX/XXXX Chase ruled against me and says on XX/XX/XXXX they are reversing the money even though I spoke to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding this matter and faxed evidence that proved I was in XXXX XXXX and never made this purchase. On XX/XX/XXXX I even had a letter from the post office where fraud happened faxed to them. The post office said they do not have chip card technology and even write me a letter stating this. Chase has previously said because my card had a chip, it must be me making this purchase and denied the reversal. Now, they are saying its because they had my pin. Which is it? Ive filed police reports, identity theft reports and postal inspection reports about this and Chase still wont help me.
I have disputed this account with the credit bureaus on several occasions as well as disputed with Alliance. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/XXXX and XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.
I visited the Wells Fargo Bank location at XXXX XXXX XXXX in XXXX to request a duplicate debit card for my checking account. Without my approval or authorization a new checking account was opened under my name. I work two jobs and was unable to revisit the branch for many months. Between the time I originally visited the branch at XXXX in XXXX and the time I was able to stop at another Wells Fargo Bank branch at XXXX XXXX XXXX XXXX XXXX, the account that was opened without my permission incurred XXXX in fees. I provided to the banker at the XXXX & XXXX XXXX XXXX branch of Wells Fargo printouts of the history of the account showing I NEVER used the account. I also indicated I did not authorize the new account to be opened in my name and did not want the account. The banker took the printout to who I was told was a manager and a portion of the fees were refunded but not all of the fees.
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
On XX/XX/XXXX I was assessed 3 overdraft fees totaling {$100.00} but never had a negative balance on my account. On XX/XX/XXXX my account began with a total balance of {$69.00}, I purchased gas at XXXX for {$40.00} which took my account to XXXX, I then purchased XXXX costing {$8.00} bring the total to {$21.00}, next {$15.00} was spent at XXXX leaving a total of {$6.00}. Later that evening I completed an online transfer of {$44.00} that brought the account to {$460.00} because an online transfer of {$410.00} I made the prior evening, Thursday XX/XX/XXXX, also posted on XX/XX/XXXX. The overdraft fees of {$100.00} left {$360.00}, {$2.00} XXXX made {$350.00}, XXXX XXXX {$11.00} took the account to {$340.00}, XXXX {$29.00} & {$17.00} made the total {$300.00}. These transactions per my statement never caused a negative balance on my account, but due to your overdraft fees my account continues to go into the negative. I have made a total of {$590.00} credits to my account since XX/XX/XXXX, the first online transfer of {$410.00} was made while my account was still in the positive before the transactions in question were made. The online transfer made on XX/XX/XXXX for {$57.00} made the account positive that night and then I woke up to a negative balance of {$19.00}, I then transferred {$43.00} bringing the account positive again at {$23.00} my wife made a purchase at XXXX for {$14.00} leaving me a total of XXXX. The inaccurate overdraft fees cause my account to be negative. I called customer service each time the account went negative but no one could explain how you apply overdraft fees to an account that does not go negative. Not to mention, I was told by different reps different transactions caused the overdraft. My next step in an attempt to get a solution was to go into a branch, upon speaking to the branch manager he understood and agreed that my account should not have any fees, he called into customer service and was given the same explanation they gave me. He ultimately said he would rebate the last overdraft I received of {$35.00} as a form of customer service. Even with him doing so my account is still negative {$26.00} but has a balance of {$8.00} which seems as if there is another overdraft fee that 's going to post to my account.
I am the co-signer on my daughters  Sallie Mae loans. M y daughter stopped making her payment in   XXXX   XXXX   XXXX    . Her loan is currently in default. Since that time I have had several phone conversations with representatives a t Sallie Mae abou t the situation. My daughter has been out of communication with me for over 2 years. I do not know about her work situation or how to contact her. I have provide  Sallie Mae the most current information I h ave on her. In   XXXX   I was told by a  Sallie Mae supervisor that they would use the resources at their disposal to connect with her. I explained that   I could not pay what they were asking as I am already paying another private Student Loan of hers which is {$720.00} per month. I ca n't afford anything more. They needed to find her and figure this out with her. In   XXXX   I spoke with  Sallie Mae agai n and provided an address and phone number for a he place of employment based on her LinkedIn profile. In   XXXX   when I spoke with  Sallie Mae aga in they informed me that they had not tried to find or reach out to her but needed me to pay. I do not understand why with the resources at their disposal they have no accountability to track her down and fit out what her ability to pay is? I was very disappointed that they did nothing with the information I provided them to find her and provided no solution for me. Since this is a  Federal lo an do n't they have an obligation to at the very least provide solutions for the borrow and to do that need to find a way to be in communication with her? It does n't appear to me that they are doing the jobs they are being paid to do. Instead they call me constantly at work, home and on my cell and offer nothing.
I was contacted about 2 months ago by someone claiming I had a payday loan from several years ago ( XXXX? ) that was due. They claimed it was between $ XXXX and it was never paid. The ONLY payday loan I ever took was from XXXX back in XXXX of 2013 for a trip to DC for my anniversary but this was settled and a terrible experience.
On several occasions I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as derogatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting a XXXX XXXX account on my credit report that belongs to someone with a similar name. I sent the proof that the account was in someone else name to Experian yet Experian fail to investigation this. I have valid proof that the account belong to someone else. Also Experian is reporting XXXX XXXX XXXX which is not mine. Recently I sent a notarized letter via USPS tracking to Experian to have these negative information investigated. I also sent proof that the XXXX XXXX XXXX account is not mines, but Experian response by stating that they are not investigating this. The other XXXX credit bureaus have acknowledged that this alleges XXXX XXXX XXXX and XXXX XXXX XXXX accounts does not belong to me and they have deleted these items from my credit report. Experian fail to provide me with require information that these allege debt are 100 percent accurate, Experian still reports these negative information on my credit report. Also I have received letters from Web Bank stating that they ca n't validate the allege debt but this negative item is still being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have 100 percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on my credit.
On XX/XX/XXXX I sent a bankruptcy/tax lien removal letter to both Equifax and XXXX XXXX XXXX. I called on XX/XX/XXXX to get results. Upon receiving my results I was made aware that they verified my information. I did not ask for a verification, but a validation. The Bankruptcy/Tax court does not verify information with the credit bureaus. In my request for VALIDATION ; NOT VERIFICATION ; I stated '' The EQUIFAX /XXXX XXXX XXXX needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). " XXXX, the system in which they use to VERIFY ; NOT VALIDATE AS I REQUESTED ; this not in compliance with FCRA laws. Both credit bureaus verified that they did not receive nor request the required documentation that is required and requested by the consumer. This is a violation. I am requesting the bankruptcy and tax lien be removed from my public recorded immediately within 30 days as stated ; " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. "
I had a mortgage with Lakeview Loan Servicing LLC that was transferred to XXXX XXXX XXXX XXXX  effective XX/XX/XXXX. In reviewing my payment history, I noticed there were two " Escrow to Borrower Refunds, '' one on XX/XX/XXXX and another on XX/XX/XXXX, for which I have no record of having received. The amount of these disbursements was {$1900.00} and {$1400.00} ( see Attached Payment History ). I am not disputing whether these escrow amounts were disbursed to me, rather, I don't have any check stubs nor bank records that indicated that I cashed or deposited the escrow disbursements. So, I requested information on how these escrow refunds were disbursed. Following is a chronology of my attempts to get that information : XX/XX/XXXX email to XXXX ( a.k.a. XXXX  ) inquiring how the subject escrow refunds as well as another escrow refund in the amount of {$110.00} were disbursed. 
XX/XX/XXXX email from XXXX ( Attachment A ) indicating that an escrow check in the amount of {$110.00} was sent on XX/XX/XXXX. The email did respond to the other escrow refunds. 
XX/XX/XXXX email to XXXX inquiring What about the rest of my question? What happened to the other escrow refunds? 
XX/XX/XXXX email from XXXX  ( Attachment B ) responding as follows : We have received your inquiry and are assigning it to the proper department representative. Please note duplicate inquiries may prolong your time for resolution. To help identify your inquiry we have generated a reference/ticket number. Your reference/ticket number is XXXX. Please use this number in any further communication relating to your recently submitted email request. Please allow 5 business days for a thorough review and research of your inquiry. 
XX/XX/XXXX email to XXXX requesting copies of cancelled escrow refund checks to document that it was refunded to me. 
XX/XX/XXXX email from XXXX  ( Attachment C ) responding as follows : We have received your recent inquiry in regards to your mortgage account. Your request has been forwarded to our escrow department for further review. Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. Please feel free to contact us if you have any additional questions. 
XX/XX/XXXX, after no further response from XXXX, I sent a letter ( Attachment D ) to Lakeview Loan Servicing Mortgage Resolution requesting copies of cancelled escrow refund checks to document the " escrow refund to burrower '' amounts ( i.e., {$1900.00} and {$1400.00} ). 
Thirty ( 30 ) days have passed and XXXX has not acknowledged my letter nor either provided the requested information, determined that the requested information is not available, or asked for additional information or requested additional time to investigate my request, Therefore, I am submitting this complaint in hopes that Consumer Financial Protection Bureau can help me to get the requested information from XXXX.
To Whom It May Concern, I have been disputing these three accounts with XXXX XXXX  for at least 3 years now in regards to an unfamiliar account with XXXX and XXXX. Unfortunately, due to the fact that these accounts are unknown to me, I can only give you the details that I have received through the credit bureaus and just once correspondence received from this creditor. 

So for starters, XXXX XXXX has been reporting a frivolous and unverifiable account on MY credit report, that is ( 1 ) under someone elses first name but my last name, and ( 2 ) without any verification documents to substantiate the data its reporting. 
Ive requested on multiple occasions, a copy of the contract/agreement bearing my signature as required by law to initiate this alleged debt. Ive also requested a full accounting of the alleged debt and any other intimate information that they must have in regards to my alleged obligation to it ( ie, a copy of the identity verification they must have obtained in accordance with the US Patriot Act ).  However, they have refused to provide this information or even to respond at all ( except once ). 

I am attaching a copy of the most recent letters, certified return receipts, and proof of delivery to this complaint. I am tired of going back & forth with this company only to have them continue to violate my rights. Theyre not only damaging my credit report but theyre also causing me a host of unnecessary wasted time AND stress. Im at my wits end and I seriously need some help. So PLEEEEASE help! 

If theres anything else that I can provide to you at this time, please do not hesitate to contact me. Thank you and have a great day!
I applied with each of the credit bureaus to put a credit freeze/consumer protection freeze on each of my XXXX ( XXXX ) minor children 's social security numbers. My children are ages XXXX, XXXX and XXXX. 

I received from Equifax a confirmation that my XXXX year-old had a credit freeze placed and they provided me with a PIN number that I would need to unfreeze her credit file. 

I received from Equifax a brief letter for the XXXX year old and the XXXX year old that a credit freeze had been placed on their files and that a PIN number would be sent in a separate mailing. I never received this mailing. 

When I called Equifax to investigate, they told me the following : 1. They do not issue PIN numbers for credit freeze for a minor ( even though I have letters to the contrary dated within the past week ) 2. The only file they have is for the XXXX year old and on her file is the information provided for the XXXX year old and the XXXX year old ( that is, all XXXX children 's documents were uploaded to one account ) 3. There are no files created for the XXXX year old and the XXXX year old ( despite the letters I received to the contrary ) My fears are that : 1. Private information for the XXXX year old and XXXX year old are on another person 's account 2. There are now issues freezing or unfreezing credit for the XXXX year old and the XXXX year old. 

I started this process after the credit breach this year to protect my children and now I feel like I've created a mess. 

I have also been unable to communicate with XXXX - There is no way to speak to a human on the phone. There is no office to visit. There is no email with which to communicate with them. I received one letter from XXXX with confirmation of a freeze and PIN number for the XXXX year old but not the XXXX year old or XXXX year old so I have no idea what happened to the younger children 's information.
In XXXX 2017 I attempted to get a loan modification and it was denied in XXXX 2017 with no specific reason.