WillisBack/dataset-financial-user-claim huggingface dataset:
Received an offer for a {$200000.00} HELOC from Bank of America through XXXX XXXX : Terms of Offer ( received XX/XX/XXXX ) _______________________ Congratulations You chose to work with XXXX XXXX XXXXcertified successrate Bank Of America ( XXXX ) XXXX XXXX Download VCard. 


Equity {$0.00} Term 30 Rate 4.08 % Fees {$0.00} Rate Type Adjustable Amortization Yes Notes There are zero fees, zero closing costs ( APR is same as note rate ), zero maintenance fees, and zero pre payment penalties. 
_______________________ On XX/XX/XXXX, I spoke with XXXX XXXX - he confirmed all of the above terms, and made no mention of any draw requirements.. Based on my reliance on the offer and his confirmation, I authorized a credit check and gave my SSN. 

My next contact was with XXXX (? ) XXXX on XX/XX/XXXX, the loan processor at XXXX XXXX She stated different terms for the loan - contingent prepayment penalties if the line was closed within 36 months and a requirement for a {$100000.00} draw at closing. My FICO is over 800 so the credit check could not have been the cause of a change in credit terms. 

Based on these completely different terms and the fact that they appeared to have performed a " bait and switch '' to get me to authorize a credit check. I stated that I would not proceed with the loan process, and I wanted to file a complaint. No one has followed up to address my concerns.
0n XX/XX/2018, {$810.00} was taken from my checking account with Huntington Bank without my knowledge and concent by XXXX XXXX. I then called XXXX XXXX and was told they can take money out any time they want. My situation stems from a disputed debt with XXXX XXXX XXXX, which was acquired by Huntington Bank.
I have been trying to contact Windham Professionals to send me the letters they sent when my student loan was in default in XX/XX/2016. I tried reaching out to their Consumer Relations department and no one answers. I tried emailing them for the information and they said I needed to call them in order for them to verify my identity. All I am looking for is the letters they sent me w/ the fees they charged. The student loan has already been rehabilitated.
XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is an identity theft victim. Someone used her information to submit applications to several creditors in an attempt to open credit accounts without her consent. Each agency was notified at the time of the submission on the application and advised the application was fraudulent and done without the consent of  XXXX   XXXX . She was told at that time the applications were being terminated and the inquiry generated was being removed from her credit reports. In two cases formal disputes of the inquiries were sent certified mail with return receipt to the creditors in an effort to have the inquiries removed however those efforts have failed ; all of these actions are a violation of the FCRA.
I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX, Experian and XXXX  and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by XXXX XXXX
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX
Hello, I attended XXXX XXXX a few years ago for about nine months. When I went to visit the local university to find out where I would be when I trandferred over I discover none of my class from XXXX would not transfer. When I enrolled into XXXX they informed me most of my classes should transfer! I immediately withdrew from the school. The school has now closed and I am XXXX in debt paying for college classes that are useless. I went through the process to make my XXXX loans dismissed and was denied because I left the school too early? I understand it is not the loan companies fault that XXXX had lied but that is why they have things like loan dismissal!
I did n't have a contract with  XXXX  ( original creditor ) on the date in question and my account keeps being deleted off of my credit reports and put back on under different creditor names.
Revenue Recovery is negatively reporting on my credit report for a medical collection that does not belong to me. The debt belongs to a XXXX XXXX. I filed a police report with XXXX XXXX Police Report for Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX. I have been a resident of XXXX TN Resident since 2008. I was a victim of identity theft and filed a police report due to fraud occurring in XXXX since 2008. I do n't owe this debt I would like it removed from my credit report immediately.
I tired to apply for a loan which required me to log in into my account to receive the money but I was blocked
I currently have an auto loan with JP Morgan Chase and I have automatic payments setup with them. I received a notice from the bank that my auto loan is delinquent for the XXXX and XX/XX/2018 installments. I called the bank on XX/XX/2018 and advised that I have automatic payments setup and that my account should not be in default. The representative then explained to me that the bank experienced system issues with automatic payment system which resulted in my XXXX and XXXX payments to not be drafted. I then paid the amounts due by authorizing a phone payment in the amount of {$780.00}. I did not think much of the credit reporting impacts as they advised that they had payment system issues. I thought that since they made the error, that it would not impact my credit. 

My husband and I recently applied to refinance our home. While going through the refinance process, it was brought to my attention that my auto loan reflected a 30 day delinquency in my credit report. I further investigated the matter by pulling my credit report with the 3 credit agencies. XXXX and XXXX did not report any delinquency but showed a lapse in payment for XX/XX/2018. XXXX   reported my XX/XX/2018 payment as 30 days late. I am attaching copies of my credit report, payment transaction history from my checking account and a screen shot of my chase online banking settings confirming that I have automatic payments setup. 

I do not believe that Chase has treated me nor other customers affected by their payment system issue fairly. I also believe that this is an FCRA violation. The bank made an error which resulted in non-payment and reported my account 30 days late. The bank should have done the right thing and ensured that they were proactive and corrected any negative credit reporting that stemmed from their payment system issue. My credit report should not be penalized due to this bank error.
I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.
I received a pre-approved credit card notification from XXXX XXXX for my XXXX year old. I am concerned that someone has stolen his identity.
USCB CALLED THREATENING TO TAKE LEGAL ACTION AND LIEN PROPERTY IF THESE COLLECTIONS ARE NOT PAID ... .THESE ARE NOT MY ACCOUNTS DEBT DOES NOT EXIST AND THIS IS NOT A WAY TO COMMUNICATE WITH CONSUMERS
I have a Capital One Credit card that has a XXXX balance on it. Capital One charged a {$59.00} annually card fee without sending me a statement. I never received a statement and was not aware of a payment being due, since the card has a XXXX balance. Capital One charged a late fee and and report a XXXX day late to the credit bureaus.
I was XXXX on XX/XX/XXXX I was XXXX until XX/XX/XXXX. During this time of my XXXX somebody used my Barclay rewards MasterCard I had {$200.00} or so that was my debt on the card but Barclay is claiming that I owe {$700.00} now. I 'm XXXX. I have no source of income except for XXXX so they ca n't come after me for any money but I 'm looking to settle with them to pay the XXXX I think it was like {$220.00} and then have it squashed and make them take it off of the credit bureau so it quits ruining my credit score. but they have n't even been able to help me with filing that there 's fraudulent charges on there I can prove I was XXXX they just keep wanting this {$700.00} that I do n't legally owe and they wo n't let me log into my account so I can print out these charges that were n't mine and show them and a lawyer or discuss them to come to a settlement. Because I was XXXX, the police are n't interested in the identity theft that happened to me but I still need to get this fraudulent debt squashed. Like I said I 'll even pay the XXXX or so dollars that I do owe. Please help me resolve this matter as it is really affecting my life in a negative way. Thank you.
I was admitted to XXXX XXXX XXXX XXXX back in XXXX XXXX. A few months went by and I received a letter from CMRE Financial Services, which is a debt collector. Turns out that the Emergency Room put me down as having XXXX XXXX insurance rather than the insurance I had which was XXXX XXXX XXXX XXXX. The Hospital portion was paid through my insurance however, the physicians bill has not been paid yet. I have been dealing with the collections agent since XXXX or XXXX XXXX and the status has still been the same : " we are billing your insurance ''. I have XXXX inquiries on my credit until this issue arose and I am trying to work with the collection agency to try and resolve this problem however no one is willing to help. I dont understand why it is in the same status and every time I call they tell me the same thing " we are working on it and we are billing your insurance ''. I tried calling the hospitals billing department and they said they could n't help because it is not with the collections agency. I tried calling my insurance and they cant do anything until the collections agency sends them a bill. I am very frustrated at this situation and I am reaching out for help.
In XX/XX/XXXX we got a payoff figure from Navient for our son 's XXXX student loans and sent that amount to pay off the loans. First they applied all the money to XXXX loan giving it a negative balance of thousands of dollars while the other XXXX loans went unpaid. After calling they took that balance and paid it on the other loan but not as a payoff. They made monthly payments with it, paying the loan up through XX/XX/XXXX and telling us the next payment was owed at that time! This type of action continued for months. Despite our calling ( each time talking to different people who said they would fix it ) nothing happened and we continued to get bills. Finally my husband sat down with the manager of our bank and called. She knew the amount that was paid and all information concerning the check. She demanded to talk to the accounting department ( something we had not been permitted to do ). After 20 minutes they admitted to her that our loan was indeed paid off. After months, we even got a check for a reimbursement for overpaying. Six months later the bills started coming again. For the last year we have gotten weekly bills. Now we ( and our son ) get MANY phone calls as well. Six to eight calls a day to be exact. Starting at XXXX and going through the evening. We explain to the caller, ask for a print out of our last three years of transactions, get confirmation that will happen and then never receive such a print out. We are at the point of suing this company for harassment. We just found out about this website and hope you can help us.
I have a Chase credit card with XXXX XXXX. It has an annual fee each year. I called at the beginning of my billing year to cancel the card ( completely close it out ) and avoid paying the yearly fee of {$60.00}. The customer service specialist said that he closed my account and credited my account for the fee and that this would be no problem. <P/>A month later I got a notice saying that not only was my account still open, but I had a late fee and interest for not paying the annual fee! I called them back to close my account and get credited back for the annual fee and the late fee that was erroneously charged, but they would n't let me. I got to a supervisor that said that there were no notes on my account that said I called to cancel, but that there was a record that I called. <P/>My account still is n't closed and they are conducting an investigation of the previous call and they wo n't refund my annual fee. They said they would call me in 7 days but I 'm not confident that they will do anything, since they could n't even close my account right the first time. <P/>As far as I know, my account is still open, too. I 'm not sure what I have to do to make this card go away.
Coinbase.com recently had an 'technical error ' resulting in many users having their personal bank accounts that are tied as a payment method to Coinbase deducted in amounts varying from person to person. 

The charges are all posted on XX/XX/2018 Time/amount XXXX - {$50.00} XXXX - {$100.00} XXXX - {$140.00} XXXX - {$220.00} XXXX - {$300.00} As of this report I am now subject to five {$35.00} overdraft fees per day and I'm attempting to work something out with my bank, as these charges will continue daily. 
These charges mirror some of my Coinbase purchases that I previously made. 

Coinbase costumer service has not responded to my inquiry on their site.
On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at ACE Cash Express. 

I have prepared a request for debt validation to be mailed to XXXX XXXX XXXX on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.
XXXX credit report is reporting 2 accounts on my report that were to be deleted. The first one is bank of america 2nd one is  XXXX. I have been disputing these accounts for over 6 months now and still nothing is being corrected. However XXXX  did an investigation and it was proven that these 2 accounts be deleted off my report. XXXX should have received the same response from my dispute. I keep getting letters from XXXX that they verified the accounts belong to me and updated. This is completely wrong. I contacted corporate office at bank of america discussed the whole situation that these charges were not made by me. XXXX is out of business but sent me to collection. I 've tried contacting the collection agency and they told me there is no record of me in collection as the account is probably too old. All I no is I PAID in full the XXXX card. I 've disputed these accounts so many times with XXXX and now they will not allow me to re-dispute again unless I submit supporting documenation. This is not right as it is affecting my credit score in a very negative way. I feel XXXX is NOT doing a thourough investigation as if they did they would have received the same response as XXXX did to delete and remove these accounts off my credit report. I have previously uploaded copies from XXXX that these 2 accounts were deleted off my report. XXXX is not doing the right thing and to not allow me to re-dispute is completely wrong. I have 2 things on my report that DO NOT belong on there.
I cosigned for my children Loan students in 2007 with XXXX XXXX XXXX XXXX the Loan Account Numbers are XXXX XXXX all Loans total amount for {>= $1,000,000} Dollars. My children default in payment the Company had the files is Navient XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX PA XXXX My children call them and stay doing new Payments plan, I contact to them ask why them want to collect from my amount {>= $1,000,000} is they still do the payments but not body help me o give me any information and solution and still send me Collection for this amount please i need help me how I am resolved this hard problem from me The account with Navient is XXXX. 
The Federal Family Education Loan Program have promissory Note The company try to collect the debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
I have a loan with Santander that opened in XXXX of 2011. It was a 72 month loan expiring this month. I had XXXX deferments on this loan in 6 years. My original balance was {$18000.00}. After 70 payments of {$400.00}, my balance is XXXX. This means I paid {$28000.00} towards an original balance of {$18000.00} only to pay {$7000.00} of that balance. 
Running the numbers, It will take another 10 years to pay the remaining balance. I will be paying more than {$60000.00} for an {$18000.00} vehicle. This is much worse than a pawn shop or a payday loan. 

My choices appear to be file a bankruptcy after which Santander will take this vehicle and sell it to another sucker who will have 20 years of payments on a vehicle that may last a year. Santander will get {$120000.00} on a vehicle that costs less than $ XXXX. Or I can pay on it for another 10 or more years. This ca n't be legal in any sense ... there can not be a legal, ethical or human precedent that allows a corporation to encumber a person for the rest of their natural life with payments. 
I am signing the right for you to share this. I know that CFPB has successfully forced the credit bureaus to pay XXXX thousands of dollars for wrongs they did to consumers. I trust you can do the same to Santander who forces people into poverty by making them pay for a vehicle for the rest of their natural lives.
XXXX XXXX XXXX is reporting on my credit report for XXXX XXXX ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted XXXX and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Twice an anonymous male-voiced computerized message has been left on our answering machine, the first time about a week ago ( XXXX/XXXX/2015 or XXXX/XXXX/2015 ) and again this morning ( XXXX/XXXX/2015 ) at XXXX. The voice does not give the name of the person intended to receive the message, and it identifies itself only as " Consumer Judgment. '' It says that the recipient should call an XXXX number as soon as possible to avoid further action. The number given to call is XXXX. We did not call this number.
MONTH TO MONTH BASIS ON A MEMBERSHIP ACCOUNT FOR A HEALT CLUB, NO CONTRACT, PAY AS YOU GO. 

THE HEALTH CLUB FILE A DISCLOSED AMOUNT TO A CREDITOR TO COME AFTER ME. 

I NO LONGER ATTEND THIS HEALTH CLUB, STOPPED ATTENDING, AND MAYBE TTHREE OR FOUR YEARS LATER IM BEING PERSUID FOR SOMETHING THAT HAS NO CONCRETE FOUNDATION. 

IVE ASK THE CREDITOR FOR A COPY OF MY CONTRACT, AND I WOULD GLADLY PAY THE AMOUNT THAT IS OWED, BUT GUESS WHAT THEIR IS NO CONTRACT. 

THE CREDITOR WANTS ME TO PROVIDE PROOF THAT I DONT OWE, HOW CAN I PRIOF IF ITS A MONTH TO MONTH BASIS WITH NO CONTRACT. 

PLEASE HELP ...
I checked my credit and found the trade line from Midland Funding on behalf of XXXX for {$260.00}. For one, Midland is not licensed to collect debt in the state of Florida. For two, I have tried to contact Midland and XXXX XXXX for debt verification but to no avail.
Im having issues with paying back my loans XXXX of the schools I attended wasnt accredited.. XXXX XXXX wasnt accredited and they messed up my financial aide. XXXX sped me through the process and I didnt learn anything from them..
I am trying to refinance a mortgage on a property that we just closed on in XXXX. Rates have improved nicely and we can save .25 % at no closing costs. <P/>The company that first handled our loan - XXXX XXXX - will not do the refinance because they do not want to get an interest recapture on the loan. They also re-pulled my credit without my authorization and will not correct this error. <P/>We then went to another lender, who could actually do a better deal - XXXX XXXX XXXX - but now the actual lender is telling them that they will not allow them to refinance the loan within six months. <P/>XXXX XXXX XXXX is the actual lender/mortgagee and is holding up this whole process unnecessarily and unethically. I would simply like to get the lower rate and I have called them 4 times and left messages over the last two weeks with no return call. <P/>Please advise.
I field a complaint with CFPB regarding to Ally to resolve a matter. However Ally is calling me on an automatic system and blocking their phone calls without resolving these matters. They call my house all day long more than XXXX times. We are in dispute and they refuse to resolve the matter as I am waiting for a supervisor to return a phone call to me however this is an automatic system and then they block the calls the rest of the day.
Company involved continues to report a debt which i do not owe ; they have repeatedly ( XXXX times on XXXX, once on XXXX ) reported a debt of {$1800.00}. I have never had any dealing whatsoever with this company, they have never, ever contacted me either by phone or letter. I have had the same address and phone number for seven years. I have written to them to ask them to remove the major derogatory reports, but they ignore my requests.As a result of this my credit rating has been reduced by some XXXX points.
I am enrolled in the Public Service loan program, which enables me to also be on an income based repayment plan having me make payments of 10 % of my income for XXXX payments and then the rest is forgiven. I recently learned that my loan company miscalculated my 10 % payment. They were basing it off of my gross income instead of my adjusted gross income. This has caused me to pay {$650.00} per month when I should have been paying {$350.00} per month. The servicing company, FedLoan Servicing, recently changed my payment amount to the correct amount, but they are saying there is nothing they can do for all of the money that was overpaid over the course of the last two years. They are saying that " I should have known. '' This is wrong. Previous to Fedloan Servicing, my loans were with XXXX. They also may have had the amount miscalculated for payments I made to them.