WillisBack/dataset-financial-user-claim huggingface dataset:
Second complaint I applied for a mobiloan loan in XXXX XXXX and received my first statement on XXXX/XXXX/XXXX. With an approval of {$1200.00}. Mobiloans hides behind the false claims that this is a revolving line of credit however my payments averaged {$160.00} to {$150.00} dollar every 2 weeks. I am being charge along with my payment a cash advance fee averaging {$75.00} every 2 weeks because the account has a balance. Mobiloan loans only applies an average of {$45.00} towards the principle. The loan limit was never increase however just like anyonline cash advance loans you can borrow up to the balance of {$1200.00} when you make your XXXX week payments. Mobiloans gets awaywith not posting a high interest rate by camoflaging it with a finance charge of {$73.00} to {$75.00} every 2 weeks. Technically this interest rate hidden as a finance charge is over 90 % After a year XXXX XXXX Mobiloans will not allow you to borrow towards your XXXX limit until the balance is paid in full however they continue to charge the finance as a fake high interest rate every XXXX weeks that will never allow me to get out of this fake line of credit account. Mobiloans does not give a statement to reflect past payments applied to principle and amounts of finance charges instead they provide XXXX statement a month for any transactions or charges that month no yeat end statement in order to camofloug claiming this is a line of credit. If it is like a credit card the annial percentage is about XXXX to 28 % and the most finance charge is around {$30.00} a month based on thr {$1200.00} instead ot is just like a pay day cash advance {$320.00} fees towards a {$1200.00} cash limit. I have paid an average of {$3200.00} for this loan. When I had a balance around {$550.00} it was added to this loan the most {$1700.00} average total in loans. The payments I made was paid twice and still have a {$1700.00} balance and at thay time I would have paid over {$5000.00} for {$1700.00} in loans this is legal loan sharking and predatory loan practicing under the umbrella of a line of credit this is a loan from the United States not overseas predatory lending should be banned i. The XXXX
I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by Equifax on XX/XX/2018 confirmation # XXXX, and credit reports from XXXX & XXXX dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately . How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to Equifax confirmation # XXXX. According to report dated XXXX2018, Equifax is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, XXXX & XXXX are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this account.
My home loan still report on my credit report as late in XXXX or XXXX of 2018 my mortgage company not fix
XXXX   XXXX   debt and mortgage showing on my   XXXX   all  XXXX  matter fact i 've never bought a mortgage and   XXXX
Repeated told him that this accounts or not mine its fraudulent open and keep getting phone calls disputing and keep getting phone calls
I received a letter on XXXX XXXX, 2016 from Chase stating that they were closing my account effective XXXX XXXX 2016 because " continuing the relationship creates possible reputational risk '' to their company. I immediately called Chase at the number provided on the letter. They then connected me with an " account specialist '' who really had no answer for me. All she said was that " chase has made a decision to end the relationship with my account and will be closing it ''! I asked why? No answer was given other than she had no notes in the system that could explain their reasoning??? I have not been late on a payment, never missed a payment and my balance is low! This will cause a negative effect on my credit score without just cause or reason. I would like Chase to reverse this decision.
Received a call on XX/XX/XXXX from a representative at Cawlee and Bergmann. Sent a cease and desist and I have received two more calls since XX/XX/XXXX.
I requested a loan of {$300.00} and the originating process went smoothly. Funds were granted immediately. The loan was requested on XXXX XXXX, XXXX, however, per my agreement, it was effective as of XXXX XXXX, XXXX. Additionally, the agreement states that the offer may be rescinded on the 2nd business day following the effective date, which is XXXX XXXX, XXXX. I called the company at XXXX eastern time and spoke with 3 representatives to request payoff initially. The individual said she could not do a payoff date of XXXX XXXX, XXXX, only the following date of XXXX XXXX, XXXX. Therefore, the finance charges would go from {$11.00} to roughly {$28.00} to {$29.00}, when opting to pay via ACH. I said this was unacceptable ; however, she indicated that I could pay today with my debit card but had to be transferred and connected me for support. I spoke with a new individual who proceeded to inform me that a debit card could not be taken prior to my first payment. At this time I asked to speak with a supervisor and was connected to XXXX ( id # XXXX ) located in the XXXX. She claimed that I could in fact rescind my offer of {$300.00} via ACH with no finance charges ; however, she stated that I agree over a recording. She stated the wrong payment date of XXXX XXXX, XXXX, and did not state the amount. I corrected her and she supppsedly processed the transaction but stated it would reflect on XXXX XXXX XXXX. I then requested a confirmation number, she said she could not provide one. She stated an email request could be sent to her support area to request email confirmation, but did not say when I 'd receive the payment confirmation of {$300.00} to principal. This company appears to be in violation of UDAAP and I did the right thing of paying my loan off early and in full. I attempted to get a supervisor and the claim was their information could not be provided.
designed recievable was not able to verify or validate this debt that i owe to them by my signature stating that i had and obligation to pay this allege debt and had deleted it from my XXXX credit file XX/XX/2014 and then placed it on my other credit files XXXX and XXXX i have reached out to them several times and they continue to verify this as reporting accurrately when they have deleted it from XXXX credit file and continue to report on other files
Lower my  credit limit not to long after i payed  XXXX  $ And do n't tell me why .And did n't know into I tryred to buy food .and just had  XXXX  on card
I set up my checking account to make my Best Buy monthly payment on XX/XX/2018, the due date. I received an email confirming that and have attached it and never received any other type of notice contradicting that. Today XX/XX/2018 I receive a statement from Best Buy showing a past due balance indicting my payment on XX/XX/XXXX wasn't processed. I contacted customer support, they confirmed that I set up the checking account to make a payment on XX/XX/XXXX but say the payment didn't process properly because I removed my checking account from their system and while that is correct, I do not want my checking account info on Best Buy 's or any other company 's website, it shouldn't have stopped my payment from going through since the payment was confirmed by email. Apparently Best By 's only payment method is by recurring payments through a checking account but I am not comfortable with that since so many companies are having security issues. The representative was kind enough to withdraw the late fee but my records will reflect that I missed my payment and that is not true. I MADE MY PAYMENT ONTIME. I received an email confirming the payment was setup and there is no legitimate reason the payment didn't go through and there is absolutely no reason my credit should be affected by their mistake.
There was a charge on my card on XX/XX/XXXX to XXXX 's XXXX XXXX XXXX for {$130.00}. My son was at the bar and they asked for a card to run an on going tab. The bartender threw my son out as he was joking with some girls and the bartender did not like his actions. My son paid his tab in cash and left the bar. There were still 2 of his friends at the bar and the bartender told them he was going to fix my son and put through a bill on my credit card for the {$130.00}. I never signed for this voucher and neither did my son and this is what I have repeatedly told the Credit Card company. I have had numerous conversations with TD Visa asking for a copy of the voucher and have been told different stories everytime. They told me they mailed me the voucher numerous times also told me they were still waiting for the voucher and finally last month I was told the vendor never supplied them the voucher and now it is too late to get it, something about needing to get it in the first 2 months. I had originally asked for this voucher when I saw it on my XX/XX/XXXX statement and have a copy of a letter I filed with the Complaints Department with TD Card Services on XX/XX/XXXX after my conversation on the phone were going nowhere which I could provide you with.
3-4 years ago my mortgage was sold by XXXX to a company called Seterus. Since then I have so many payment problems. My bank has sent them a mortgage payment 2x,  both occasions the payment was never received!! I get hit immediately with penalties. I have paid several times through their online payment system, again these payments failed and I got hit by penalties. Always penalties. The only way to pay my mortgage is to actually call them up every month and authorise same day debit from my account. Always so many extra fees ... I have reached out through social media and found hundreds of people suffering the same way. 

We now realise that Seterus are scammers, just looking to frustrate mortgage holders to screw extra fees every month. This is a consumer racket, and the public is being fleeced. I am a member of this XXXX page - https : XXXX. Please investigate them, they are fraudsters
I have tried in  XXXX  and most recently  XXXX   XXXX  to resolve this matter that has violated the HIPPA laws and shared my medical information with a collection agency 3rd party.
I purchased a property in  XXXX   XXXX , CT and while I was in the mix of my repairs,  XXXX   XXXX  contracted  XXXX   XXXX  to preserve the property.  XXXX   XXXX  changed the locks and in the process caused significant damage. I contacted  XXXX   XXXX  about the damages and they agreed to repair the damages, however after I submitted my invoices they have not responded.
i partially filled out an application on line to XXXX financal, deleted the app because i changed my mind about it. Then i recieved XXXX phone calls from them about finishing my application so they can process it. I TOLD THEM NEVERMIND i wasn, t intrested in getting a loan from them after all. So today i recieved in the mail where they pulled my credit report as if they went ahead to precess the loan. this is wrong on all accounts. so i have made numerous phone calls to them complaining and they say its a process for them to reverse the inqury. why did they pull my credit info when i specifically told them nevermind. on the phone
I paid this account off on XX/XX/2018 paid and Full with Convergent outsourcing via XXXX Convergent gave me a settlement of {$62.00} out of the {$200.00} that was originally owned I paid it into two installments {$12.00} on XX/XX/18 & {$50.00} on XX/XX/2018 I gotten two emails from XXXX showing proof that they got the money Also conformation Number that is was paid I called XXXX on XX/XX/2018 An agent called convergent to verify that it was indeed paid I requested it to be removed off of my credit report And theyre still say I owe and its paid
On XX/XX/2018 my husband and I were interested in purshasing some XXXX XXXX concert tickets so we could bring our daughter to the concert. So we went to XXXX and found 3 tickets that seemed reasonable priced. We communicated with the seller and they explained that they could not attend because their daughters got in trouble and that they were not going to reward the daughters and were just interested in selling the concert tickets. So they said they were about 3 hours away from us and asked us if we would be willing to send the money through XXXX and we said no that is way too risky and we got scammed using XXXX so they said would we be willing to send the money using XXXX through our bank of Wells Fargo. And we thought well surely if anything went wrong our bank would protect us. So we sent the {$160.00} to this person and they were suppose to send us the concert tickets via transfer using XXXX. Well they never came and we tried contacting the seller afterward and they never responded again. So we went to our bank and they said sorry because we willingly sent to the money hat there was nothing they could do. So they gave me XXXX   costumer number and I filed a complaint with them and I have never heard from them and it has been 10days and they said someone would get back to me within 2 day. That is basically what happened.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX XXXX XXXX XXXX
I have been disputing an invalid tax lien ( # XXXX ) with Transition and they continue to refuse me a reinvestigation. I have forwarded to them documents and lien removal letters via certified mail and yet they have not verified these items with the state clerk in order to remove the lien from my file. I have called the tax liens office to ask whether a member of Transunion has contacted them or forwarded ant of my documents to them and they have informed me that no one has. I am so frustrated with Transuion then constantly shutting me down. It is their duty to do a proper investigation and i have been waiting over 90 days fro result. I have called and it took me days to reach a reprsentative who claims that no paperwork was received and no further investigation will be conducted. I do not understand what is going XXXX. whether they are lying to me or purposely losing my documents? This lien is not valid and must be removed. I can not obtain a job, nor can i rent an apartment because this is causing a severe affect on my life and this credit monitoring agency does not care and pretends to have not received my documents refuting their verifications. this item should never have been verified. i am speculating that their systems may be outdated or something. Please help
The paragraph below was emailed to the following listed and had no response. 

XXXX XXXX XXXX XXXX I was notified XX/XX/2018 that XXXX XXXX XXXX by Experian had done a hard inquiry on that date causing my credit score to decrease greatly. XX/XX/2018 I called XXXX who told me they were one of the major credit bureaus acquired by Experian, in which XXXX  gained my confidential information through Experian upon the purchase last year. XXXX  gave no explanation as to why they pulled my credit or no further details of what the company 's business was. When calling Experian right after, the representative and supervisor stated they had no knowledge of XXXX XXXX XXXX, and all they could do was place a fraud alert on my account. XXXX 's continuous inquiries have effected my credit score tremendously and Experians ' breach and decieption has put the consumer at risk once again and in my particular case prolonging my ability to purchase my first home. Upon much research I have also been made aware that XXXX  is behind many mail and phone scams, by having knowledge of the individuals identity, such as d.o.b., S.S., address, ect., knowledge of the debt a individual owes, and therefore are able to replicate the creditor and request the correct amount. This is a broad serious federal matter and should be investigated by the highest division of authority.
I told Premier Credit on XXXX/XXXX/16 they called me at work and to stop calling me at work. They admitted on the phone that I told them this yet I have a log of them calling 13 more times at work. They are not allowed to do this and it is harassment. I will be filing a law suit against them
1. Received Email notification from XXXX saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called XXXX again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. XXXX has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from XXXX with totally different information. 
9. I have not authorized payments for what they say I owe and XXXX can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my XXXX balance, which if that is the case they used money from my XXXX balance and the still wanted more money. This sounds like fraud on their account.
This is an attempt to collect a disputed insurance co-payment of some {$320.00} for a health care provider who never saw me after having ordered an expensive, unnecessary XXXX XXXX XXXX XXXX and whose office refused to explain his absence. I did engage in a monthly payment plan directly with the provider at first, but then my internist said I did not need such a test. I have contacted the debt collector to explain that I dispute having such obligation, that the charge was largely already covered by my health insurance, and that I would engage counsel to pursue the XXXX who filed this collection claim, for medical negligence. They continue to pursue me by impersonating a law firm with official looking letterhead and legalese and threatening negative reporting to the credit bureau which they say will result in adverse information on my credit for seven years. This is clearly in violation of the Fair Credit Reporting Act.
On XX/XX/2018, I noticed that my credit card company charged me a late fee and interest on my previous bill. I had paid it without realizing that I had been charged this fee and interest. The charges are illegitimate. I wrote the check for my payment on XX/XX/2018. At the latest it was in the mail early on XX/XX/2018. It was due XX/XX/XXXX. 
But the credit company did not deposit the check until XX/XX/XXXX. I have never in my life had a late credit card payment. 

I immediately called my credit card company. To the best of my knowledge, the company refunded me the late fee and part of the interest. But it refused to refund all of the interest to me. 

That day I wrote a letter to the company to complain more formally ( it was in the mail on XX/XX/XXXX ). In a letter dated XX/XX/XXXX, the company declined to refund me for the remainder of the illicit charges. 

I accuse the credit company of sitting on payments and failing to deposit them promptly so as to charge customers fees and interest. As further evidence of this : I sent my last check to the credit company on XX/XX/XXXX. Payment was due XX/XX/XXXX. The company did not deposit the check until XX/XX/XXXX! ( I should not receive a fee or interest charges this time because I paid on-line the day before, out of fear that the company would not deposit my payment on time. Thus, the company extorted a double-payment from me. ) Note also that my complaint letter, sent XX/XX/XXXX, received a response on XX/XX/XXXX. How could a bill payment take so much longer to receive?
Incorrect information was entered on my credit file. XXXX is reporting payments that I do not owe. I was told by the doctor office that they have to get approval from my insurance company before he can perform the treatment. He told me once he get the approval from the insurance company his office will call me and schedule the appointment, I made my copayment and left the office, XXXX week later I receive a call from XXXX office saying my insurance approve the procedure, and that was it. Now two years later I receive a copy of my credit report with three charges from A-1 Collection Service in the amount of {$550.00}, {$660.00}, $ {$81.00}, which I have no knowledge of. I never receive a call from that office or anything saying I owe this payment. I am in the middle of purchasing a new home and now this has appear out of no where, years later, this is not fair. Please help.