WillisBack/dataset-financial-user-claim huggingface dataset:
My loan started out at {$70000.00} with Indy Mac. It is now up to {$80000.00} with another 30 years added. Another company, XXXX, supposedly was to begin to handle my loan. That did not work, I was charged because the company, XXXX, never existed. I keep making payments that are more than Ocwen is charging per month. I want out. I want to sue. A payment of over {$3000.00} was made but disappeared. A letter was sent that had nothing to do with me. Where do I sign up to sue. I have documentation.
The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.
Here is my verbatim secure message sent to Citi on XX/XX/2018 : " From : XXXX Subject : DID NOT RECEIVE PROMOTIONAL OFFER Date : XX/XX/2018 XXXX EST WE ARE BEING CHARGED INTEREST ON THIS ACCOUNT!!!!! WE INITIALLY SIGNED UP FOR THIS OFFER FOUR MONTHS AGO ON XXXX ( WHERE WE APPLIED ONLINE ). Highlights Click APPLY NOW to apply online or call XXXX TTY : Use Relay Service Earn {$150.00} cash back bonus after {$500.00} in purchases within the first 3 months of account opening 0 % Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 15.24 % - 25.24 % based on your creditworthiness* Earn 2 % cash back on purchases : 1 % when you buy plus 1 % as you pay No categories to track, no caps on cash back, no annual fee* Balance Transfers do not earn cash back See additional details for Citi Double Cash Card {$150.00} Cash Back Offer WE DID NOT RECEIVE THIS DEAL IN ANY WAY AND ARE BEING CHARGED INTEREST RATES. I WILL BE CANCELLING THIS CARD ON XX/XX/2018 AFTER MY LAST PAYMENT IN FULL HAS BEEN MADE. I CALLED ABOUT THIS AND A REPORT WAS PUT IN ; HOWEVER, THERE HAS BEEN NO FURTHER COMMUNICATION FROM CITICARDS REGARDING MY COMPLAINT. I WILL BE CONTACTING THE FTC REGARDING YOUR PRACTICES. '' Here was their response, dtd XX/XX/2018 : " The application used to open this account disclosed variable terms that would be determined based on creditworthiness. The terms you were approved for were based on several factors, such as the information on your application and your personal credit report. The current terms are the best we can offer you at this time for your product. 

Although we have been unable to resolve this issue to your satisfaction, we do appreciate the time you have taken to communicate with us. 

Regards, XXXX XXXX Account Manager South Dakota I opened this online and took a screenshot of this promotional offer -- which was NOT received. In fact, I am being charged approximately " 21.24 % '' interest and in four months have paid in excess of {$100.00} for interest charges I feel were fraudulently obtained. This is not what I initially applied for. There would be no reason for me to change credit card companies ( with a lower interest rate than Citi ) but for this one being based upon their promotional offer. Then and only then, to find out the card was far worse than the one I cancelled.
On XXXX/XXXX/XXXX my checking account and linked savings was loved by Wells Fargo. My account number was XXXX I was told my account was closed by loss prevention because of fraudulent activity on an account in XXXX. The account in question from XXXX, was reported by myself to Wells Fargo fraud department/phone number. My previous account had checks missing, so I reported this immediately. However despite funds being deposited in the account, a previous drawn check, had been deposited the day prior to myself contacting Wells Fargo about the missing checks that had been taken by a former housemate, as I was then in the process of moving. This freeze on the accounts funds, caused the check written and deposited in to a account at a different financial institution to be returned. This was an account at XXXX Bank XXXX # XXXX Acct XXXX, which was reported on XXXX describing exactly what I have stated for the reason I am presently describing.
I was contacted by this firm XXXX XXXX stating that I was a victim of predatory lending. 

This correspondence reference the complaint filed against XXXX XXXX. This was a firm that sought me out alleging that I was a victim of predatory lending with mortgage company ( Pennymac ) I had completed two trial payment plans ( 6months ) of {$1200.00} a month each to get an approved modification and XXXX in late fees and delinquent payments was added on. 
Thanks XXXX XXXX and established a business contact stating the firm represent
This is in regards to a recurring series of unauthorized " Analysis Service Charges '' made by US Bank on my checking account. Total unauthorized charges to date total : {$80.00}. The recurring charges have not stopped despite promises from bank representatives that they would. 

I first noticed the charges in XX/XX/XXXX. US Bank had been charging an unauthorized recurring $ XXXX monthly charge dating back to the beginning of XX/XX/XXXX. I called a customer rep to inquire as to the nature of the charge. Despite several transfers, no bank representative could explain the charge. At the the time ( XX/XX/XXXX ) they agreed to refund the charges. Though no less than 10 charges had been made, US Bank refunded only 6 of them. I chose not to challenge the difference since they promised that the recurring charges would no longer occur. 

Then, in XX/XX/XXXX, I noticed on my statements that the recurring charges had actually continued to be assessed for the months of XX/XX/XXXX throughXX/XX/XXXX. I called again with the same outcome : they refunded the charges and promised that the charges would stop. ( Again, they could not explain what was causing the charges. ) Today ( XX/XX/XXXX ), I see again that the charges have in fact continued for XX/XX/XXXX and XX/XX/XXXX.

I would like to log this complaint with the CFPB so it can be analyzed with other complaints in regards to unauthorized recurring bank fees by US Bank upon its customers.
XXXX, XXXX and Trans Union are reporting inaccurate information. My credit score should be in 700 's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.
I was in chapter XXXX, XX/XX/XXXX through XX/XX/XXXX. Trustee paid {$14000.00} to heloc loan with Countrywide/Bank of America loan # XXXX, {$2000.00} was for interest. This entire amount has not posted to the account. They reported no payments for to the XXXX credit report " no payments '' for XX/XX/XXXX during chapter XXXX and for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The balance does not show the entire amount applied from the trustee.
I have disputed this item with the credit reporting agency and you reported you confirmed the account as valid with a copy of a BILL STATEMENT. I asked for VALIDATION. I do not believe we have any relationship with this collection agency. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt VALIDATION not VERIFICATION, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
XXXX XXXX ACCOUNT XXXX AND XXXX XXXX ACCOUNT XXXX are improperly reporting on equifax XXXX and XXXX credit bureaus.XXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX XXXX ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by XXXX and XXXX.these debts should not be on any credit file as they are insured and the result of error.
I first filed a complaint against Chase regarding the credit reporting on my payment of the mortgage and how my payments are being applied. The reference number is XXXX. I got a response and an accounting statement. In their response, Chase decided to remove late payment status from the credit reporting agencies because even though there was a dispute regarding escrow, they admitted I continued to make my monthly payments in good faith. In looking at the detailed statements from chase I notice they are charging me late fees of {$39.00} per month for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for a total of {$150.00}. These charges need to be reversed as chase 's own letter says that I continued to make payments as scheduled. This is particularly idiotic as per chase 's own statement I cleared up the escrow in XXXX XXXX and it was their error about applying the XXXX XXXX as payment on principal. Also in chase 's response they cite a withdrawal from my account for city tax of {$1700.00} XXXX. The city of XXXX does not have a city tax. I want to see the the check for this tax, who it was made out to and how it was cashed. In XXXX XXXX the loan was sold to XXXX XXXX services. How do I get these guys to remove the bad information on my credit rating? Again, in selling the loan and passing on bad information, Chase has hurt me.
Multiple phone calls seeking a lower payment or affordable repayment options without having to defer loans due to tight finances was told every time had to pay the amount no options or way to reduce payment also not sure payments fully applied correctly
I received repeated phone calls on my cell phone in XXXX from a debt collection firm regarding a bank account, that I closed, with a little over a {$2.00} balance, which was held at US Bank. Apparently US Bank did not close my account and kept my account open. US Bank then proceeded to charge me an account maintenance fee of {$4.00}. This {$4.00} maintenance fee, that actually never existed when I had the account open, overdrafted my account. US Bank then proceeded to charge me an overdraft fee, among many other fees. I never received any notice in the mail from US Bank that any of this was even happening. Eventually, over {$170.00} later to be exact, US Bank sent my account to collections with an outside company. I then received non-stop phone calls everyday from an unknown number. When I finally answered the unknown caller, the person on the phone was extremely rude, demanded that I pay the amount immediately, and refused to acknowledge that one, I closed the account, and XXXX, that I filed bankruptcy. The harassing phone calls then stopped, only after I informed the debt collector that I would be filing harassment charges if they did n't stop. XXXX years have passed, and most recently, over the last XXXX weeks now, I have been receiving phone calls almost everyday. My number has changed XXXX or XXXX times since the last harassing phone calls, so I am not sure why/how this debt collector keeps finding my number to harass me. Today I gave them my attorney 's name and my bankruptcy case number, and I am hoping this will resolve their issues.
Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. 

Sincerely XXXX XXXX
On XX/XX/XXXX I returned my Ford Focus sedan to the Ford dealer in XXXX, FL at the conclusion of a XXXX lease. The car was clean and returned with approximately XXXX miles LESS than were paid for. I sat in the dealership for approximately 20 minutes while the vehicle was inspected. 

On line number " 26. '' of my original lease titled " RETURN OF VEHICLE '' it reads " Prior to the scheduled return of the Vehicle, You may be requested to present the Vehicle for inspection at a reasonable time and location. '' This did NOT happen. The vehicle was " fully-inspected '' by a third-party company at a date AFTER the scheduled return of the car and AFTER I " signed-off '' of the conclusion of the lease. This is a violation of the lease contract. 

In the months after return of the vehicle, I did NOT receive contact from Ford or Ford Credit. No  invoices detailing issues with inspection of the car were received at my address. 

On XX/XX/XXXX I was sent a letter from " XXXX XXXX XXXX XXXX XXXX '' for collections. Upon receiving this letter, I immediately called Ford Credit, and they would NOT speak to me about my account. They would provide me NO INFORMATION. They only rudely responded, " we do not deal with your account any longer, you must call the collections company. '' I spoke with XXXX XXXX services and responded within their requested time-frame a written denial to the validity of the collection. They sent me a copy of my original lease and a link to the website of the company ( XXXX XXXX XXXX ) which inspected my vehicle. I viewed the online photos at XXXX XXXX XXXX, and still see that the car seats are NOT stained. On XX/XX/XXXX I paid XXXX XXXX, as I was trying to avoid serious impacts to my credit, as I sought avenues to fight this debt collection. 

In XX/XX/XXXX, I was sent an invitation to refinance my current car at a lower rate by XXXX XXXX. On XX/XX/XXXX, I was sent an XXXX report from XXXX XXXX XXXX as part of the explanation of why I no longer qualified for their initial offer. After looking at my XXXX XXXX report, I see that Ford Credit severely damaged my credit by XX/XX/XXXX. I was following all of the requests of XXXX XXXX  to resolve this matter in their time constraints, meanwhile Ford Credit already closed my account as " unpaid '' and severely impacted all of my credit scores. I believe this action is a violation of the Fair Credit Reporting Act.
XXXX paid off our federal student loan than we were told we owe a loan to a private company Navient, we have tried to make arrangements to make payments but were told they would only accept the full amount yet they keep posting on our credit that every month were late with payment, damaging our credit is this legal for them to do this if not could you please look into this
The appraiser that the bank send to the house I bought was wrong on the value of the house. He did not follow the FHA standars. On his report the appraiser ommits a lot 's of damage on the fundation, on the Roof and in some other areas. 
When I first apply for the loan the mortgage people told me that the FHA loan requires a very strict inspection wich never happens. Also I recived the keys for the house until the 3rd day and Its when I found out all the problems on the house. 
According to FHA ... ..HUD the house must be in perfect conditions. 
This house has the following problems : Mold on attic and crawl space and air ductsWater Filtration in XXXX RoomFundation Cracks and Mold in some areasProblems with the RoofElectrical Problems. 
No apropiate ventilation nether on the attic and crawl spaceCracks on the front fundation of house. This is A LOTPlease help me.!!!!!
I 've started getting calls from the company Allied Interstate LLC recently. When i asked what the call was about the person on the phone would just say " an important business matter '' or " personal business matter '' and then ask for me to confirm my social security number without telling me what the call was about in detail. When i told them they needed to state the actual reason for the call and if it was being recorded they would tell me that if i didnt confirm my information the would submit it to the legal action team. I 've attempted to block calls from their numbers and direct them to my lawyer and tell them to stop calling and yet it continues.
Hi. I purchased a new XXXX from a dealer on XXXX XXXX, XXXX. It was 72 month 0 % loan. First payment was due XXXX XXXX, 2015. I had also purchased an extended warranty on the car for {$1500.00}. Several weeks after the purchase I decided to cancel the warranty. The {$1500.00} was credited to my account on XXXX XXXX and my first payment was too. Since I am retired and on a fixed income ( SSN ) I wanted to lower my payment. XXXX says it can not alter the contract and can not change the payment, only shorten the time the loan is paid off. Is n't that altering the contract? It seems to me that they are altering the contract to meet their needs, not mine. I would like the new amount amortized over the remaining 71 months ( term of the contract is 72 months ). Anything you can do would be greatly appreciated ... sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX # XXXX XXXX XXXX XXXX
Credit card issuer is reporting inaccurate information to my credit reports in violation of the FCRA.
Back in 2012 I live in XXXX XXXX XXXX and I was evicted and they tried to sue me for XXXX and we went to court and the judge awarded them XXXX and told them that are all I owe them. I have tried to pay them this amount and they refuse the payment numerous occasions. They went as far as to tell me that they do n't care what the judge said they want the higher amount. The funny the company Resident Collect says they represent XXXX XXXX and I talked to XXXX and they told me they sold the debt to them and told them about the court case. In the process of dealing with them the woman has been rude yelling and went as to tell me to shut up and hang up in my face at one point. I eventually had to hire a company to stop the harassment and to deal with them and the company said that were met with the same rude behavior.
XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected  to (   XXXX   XXXX   XXXX   ). I  have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail.  XXXX   XXXX   XXXX  shows on the report with the telephone  XXXX  and address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from   XXXX   XXXX    XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my report s ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I  would not have been  XXXX  i n 2004.  This account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reasons  ans the  most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.
LTD financial calls every day, repeatedly. We had ignored the calls because they are masking their number from caller ID. Today I picked up and they wanted to talk to a person who does not live here, and has never, ever lived here. I advised them that this is not that person 's number, and never has been. The represetative was very rude, and over talked me.
I am close to paying off my auto loan with Santander Consumer USA. I have been watching my balance decrease until recently. The last few months I have noticed that my loan balance resets when my monthly statement is released. I also see that the maturity date on the loan is continuously extended. It was XX/XX/XXXXand now I'm told its XX/XX/XXXXI have paperless billing and I have been paying my monthly payment regularly. I don't get any assistance when calling Santander. When I call Santander Consumer USA, the CSR simply tells me that their records show no such discrepancy. I believe that my payment records are being deliberately altered and falsified. I recently printed my last five years of payment history and will continue to do print my balance statement until I find resolution. Please help me.
My insurance paid in full for this only visit I ever had with the client if this collector. 
I never received notification of the debt or a billing from this company. 
I requested a debt validation which has been unanswered. 
I disputed with XXXX They claim to have verified my information which I requested proof of and have not received it. 
This collection company also doesnt appear to be registered to do business in the state of Ga
This company has no legal right to collect any debt they are claiming. They have left harassing phone calls and called from a block number stating that they would ruin my credit and sue me, and attach my XXXX pay
Called on a refi that I was told we can make happen followed by no phone answer in the middle of the day where were they napping???
I submitted a complaint in XXXX for Clear One Advantage, my case number is XXXX, their response to my complaint was that they would send me my fees which was around {$700.00} ( a little more ), and I have never received my fees back. So my complaint this time is this company does not know the truth, if they had no intentions of giving me my money back they should n't have said they would in their response.
XXXX XXXX contacted me at work and talked to my employer about an account that has been removed from all three credit bureaus because after investigation they all found that the account did not belong to me and there was no real record of the account by the originator. I am a current client of XXXX so I find it hilarious this debt keeps getting resold and I keep getting XXXX XXXX iver it. This is a direct violation of my FCRA rights.