WillisBack/dataset-financial-user-claim huggingface dataset:
I had sent the company Ace Cash Express a letter stating I was revoking an ACH authorization they complied and then today I received an ACH debit on my checking account from an XXXX XXXX. First of all I do not know who XXXX XXXX is nor have I had any dealings with them and they took XXXX out of my checking account. I can not have people I do n't know taking money out of my account. This is absurd to me. I find it fishy because it is the same amount I had with Ace. I am a mother and I have been very sick and every little penny counts.
Lender failed to send financial/billing statements in a timely manner ; after requesting a bill, and receiving one, I have made timely payments. Lender continues to add interest charges to the initial late fee assessed, even though representatives assured me that there would be no late fees, as their error caused the initial billing lapse.
IBERIABANK Accountnumber XXXX .... failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all  notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, IBERIABANK " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and  the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) IBERIABANK failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve IBERIABANK is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX ( TXXXX XXXX XXXX XXXX. ) citing XXXX XXXX XXXX XXXX XXXX XXXX ( TXXXX XXXX XXXX XXXX XXXX XXXX. )
I have a loan through Discover. I 've always paid on time. Around six months ago, I had a problem with the automatic payment & it did n't go through, so I called & made the payment. they were going to have the late payment taken off & get back to me. They never did either. I called them again & they said they 'd do both-but never did. Then I accidentally made two payments in one month which I could n't afford & they said they 'd ckeck into getting one payment back to me & also reverse late payment charges & get back to me. They did get my one payment back to me but never reversed the late payments & once again did not get back to me. The late payment is increasing & I need help with this. Also for some reason my payment has increased slightly & this is in addition to the late fees. I spoke to them about this & they were going to fix it but never did.l
Equifax online dispute module reported error message stating unable to process after successfully completing questionaire. (? )
The following inquiries are a result of identity theft. They have not been authorized by myself of anyone with my permission. 
I have an ongoing extended fraud alert and have not been contacted by any of these creditors to verify my application. 

1. XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX 3. XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX CARD 5. XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX BANK XX/XX/XXXX 6. XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX 7. XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX   XXXX XXXX, NM XXXX BYMAILONLY
I was contacted by XXXX XXXX XXXX collection letter dated XX/XX/XXXX I disputed the debt in my letter dated XX/XX/XXXX. XXXX responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent XXXX my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX On XX/XX/XXXX XXXX 's letter told me they opened an investigation on my dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and XXXX was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX XXXX letter notified me that they were no longer be collecting on the account.
On XX/XX/XXXX, I successfully placed a security freeze on my Equifax and XXXX accounts. After 3 attempts I froze my XXXX account ( XX/XX/XXXX ) using self-service IVR. Freezing my accounts was in response to Equifax announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.
hi, I have had 8 inquiries in the past 2 days from banks that I did not authorize to pull my reports many are double inquiries 2 days apart. This is crazy and I want this resolved please. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXXY XXXX, XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX    XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX
I am recently widowed with a XXXX year old and soon to be delivered XXXX XXXX. Great Lakes is my student loan servicer. I submitted a payment for approximately {$140000.00} for my student loan payoff which was received on or about XXXX XXXX, XXXX. The payment was cashed and funds withdrawn from my account. The payment showed as processing on my online system as of XXXX XXXX, XXXX. On XXXX XXXX, I contacted the servicer because the payment was still showing processing. I was told it can take a few days but interest would no longer accrue as of the date received - XXXX XXXX. This past week I followed up again because an auto draft payment was processed and the larger payment was still outstanding. I was told the payment was sent to the incorrect place and that it was being " processed '' to return the funds. All the while interest was still due and accruing. 

Now I completely understand that if I sent to the wrong place that is an issue I need to deal with but I followed up with my servicer to see if there was a problem. When I spoke with an agent she said they knew on XXXX XXXX the payment was not made to the correct place but it can take 30-45 days to have a new check issued to me. As of XXXX XXXX, the payment was still showing as processing on my online system and a new " check '' was still being processed to return the funds. However by cashing my check the servicer converted those funds and took title to them. If it was sent to the wrong location there was no need to cash my money and then keep that money for now 30+ days. Had the check not been cashed I could have had the payment voided by the bank and reissued to be sent to the correct location. But now the servicer is saying that even though I followed up and was given false information I must pay the loan interest for this entire month! How is that right they can take my money for 30 days, preventing me from earning interest on those funds, while at the same time charging me interest when they told me the payment was just being processed. Again if the servicer had not cashed my check and again taken title to those funds I would have been alerted to some issue and been able to rectify this easily and quickly. But not only did they cash my check and take my money, the servicer gave me false information preventing me from being able to minimize my exposure to additional interest charged on my loans.
When my Best Buy credit card statement was received XX/XX/XXXX, the only charges on it were 4 that were not recognized by myself or my husband. I went to the 2 websites listed and had never seen them before. I called the 2 numbers listed and got the same recording on both, '' this number no longer active ''. I felt that someone had gotten my credit card number and was using it illegitimately. I called customer service and explained that I didn't know what these charges were for and could not reach the merchant. A fraud investigation was opened and the account closed and a new account opened. I destroyed the old cards and when the new cards were received we put them aside until the problem was settled. Since then I have called Best Buy 12 times and spoken to over 20 people in an attempt to get this resolved. It was changed to a billing dispute from a fraud investigation when the fraud investigator said it looked like a free trial that inadvertently enrolled me for continuing shipments. She asked if I had ever clicked on an e-mail for free samples. I said that i had clicked on an e-mail for samples from a company called XXXX several months before. I had difficulty getting out of the site, every time I clicked exit, I went to another screen. I think that finally I had to close the browser to get out. I never received an e-mail confirming the purchase and when the samples came there was no statement enclosed. The product was so unprofessional appearing that I never even tried it. There were no further mailings. She recommended changing it to a billing dispute. This was done on XX/XX/XXXX. It has now been 3 months and my bill has grown from {$140.00} to {$250.00}. Over the holidays I started getting XXXX phone calls, even though every time I have called and asked what to do about the bill, they tell me it will be corrected and not to pay it. My last contact XX/XX/XXXX again told that mistakes had been made in my account but that it would have to go to the actual investigators to be resolved and that couldn't happen at least until Monday. I was advised to wait a few more days and call back. I requested that the investigator call me back when it was settled. I decided to go ahead and file a complaint because I have heard that this is all going to be straightened out soon at least 3 times before.
I received a letter from them and responded within 30 days asking for debt validation. When they did not respond I previously complained to you and they responded saying they validated the debt with me, they did not! They made up a phony bill and printed it and sent it to me. My letter was clear on what was needed to validate this debt. My letter also told them that until they validate this debt any negative information on my credit report would constitute fraud. They received my letter on XXXX, on XXXX they reported a new collection account on my credit report. A CLEAR VIOLATION. They also have not validated this debt with me. My letter asked them to provide me with : 1. The original signed agreement showing I agreed to be responsible for this debt. 2. A completed accounting history of this debt. 3. copy of their Illinois license showing they can legally collect a debt in Illinois ( which when I call Illinois Department of Regulations I was told they do not have a license to collect debt in Illinois ). 4. The full contact information of their registered agent. All I received was their phony bill.
On XX/XX/2016 I Submitted a dispute to Experian regarding a collection account placed on my credit report by XXXX XXXX XXXX. I disputed the account information as it was reporting an incorrect date of default from the original creditor, incorrect original balance, and incorrect account history. I requested a full deletion of the account since XXXX had been unable to provide accurate dates and terms, and due to the fact that the account should have aged off based on the true date of default. The original account, owned by XXXX XXXX, is no longer on my report as it has already aged off. 

I received the final results of Experian 's investigation on XX/XX/XXXX. Although. Experian failed to verify the accuracy of the collection account. Instead of promptly deleting an account that is reporting inaccurately and past the age-off date, they updated the information with a new, yet still incorrect account status, account history, and account terms. This update looks as though this is a recently paid collection and it has negatively affected my credit.
On XX/XX/XXXX, the borrower took out a line of credit mortgage with PNC Bank with a maximum draw limit of {$89000.00}. It had a 15 year term, due on XX/XX/XXXX. There were no monthly payments, as it was a balloon payment. The borrower did not worry about this mortgage for several years, as he focused on the payments on his first mortgage. 

In XX/XX/XXXX, the borrower received a letter from PNC Bank dated XX/XX/XXXX which informed the borrower that he was behind on payments on the line of credit mortgage. The client reached out to our legal services organization to research the issue. I discovered that the mortgage term was 15 years, and that there were a little more than four years left before the mortgage was due. I believed there to be an error in the servicing of this loan, as they were requesting payments that the borrower never knew about. 

On XX/XX/XXXX, I sent a Notice of Error to PNC Banks address for Qualified Written Requests, seeking clarification on the XXXX letter and what payments they were talking about. I wanted confirmation that the mortgage was not due, and that it was a balloon payment without any monthly obligation. I got no response, despite the obligations servicers have to respond to Qualified Written Requests. 

More than a month later, on XX/XX/XXXX, I updated the Notice of Error with dates and the fact that my first one never received a response. I sent the NoE via certified mail, so that I could confirm receipt of the document by PNC Bank. 

On XX/XX/XXXX, I received the certified mail receipt from XXXX which confirmed that the letter had been received by PNC Bank on XX/XX/XXXX. Per 12 C.F.R. 1024.35 ( d ), the servicer had five days to confirm receipt of the letter, with information on when a response could be expected. Nothing of the sort was sent to the advocate nor the borrower. Weeks passed, and per 12 C.F.R. 1024.35 ( e ) ( 3 ) PNC Bank only had thirty days to respond to my Qualified Written Request. There has been no response, despite the fact that I have been trying to get information from the bank for nearly three months. It is now XX/XX/XXXX, and I am no closer to finding out what is going on with the borrowers second mortgage. This is a gross violation of the CFPB regulations, which are supposed to facilitate correspondence between the borrower and the mortgage servicing industry.
I am currently in good standing and paying my loans back at the rate of {$99.00} per month. The problem is that the Department of Education through FedLoan Servicing have disregarded 17 years of payments that I the Department of Education received. Let me explain ; my student loans defaulted about 20 years ago when the Department of Education defaulted me without notice and without serving me with a complaint. Their excuse was that they could locate me but that is inaccurate as each time that I moved, I filed a change of address with the United States Postal Service. Be that as it may, my loans defaulted and I entered into a payment arrangement with the XXXX XXXX XXXX, a collection agent for the Department of Education, and {$170.00} per month was taken out of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX checking accounts for over 16 years. In addition, my federal and state income taxes were intercepted for 18 years as well. In spite of these monies having been taken from me for over 18 years, my student loan account has not been credited with the amount being applied to my student loan debt. This has forced me to have to be subjected to unreasonable interest rates on a higher loan amount, with loan payments due to escalate to {$1700.00} starting in XX/XX/2017 which will bankrupt my family all because the Department of Education made a decision to disregard my consumer and civil rights by arbitrarily disregarding my 18 years of student loan payments and refusing to rehabilitating my student loans and never deducting my student loan repayment for the program that I signed up for in the XXXX XXXX. In light of the department of education 's disregard of my civil rights, I request for these loans to be discharged. In addition, I would like to have my account credited for the tens of thousands of payments that have made to date. If necessary, I would like to request a hearing before a federal court of competent jurisdiction to address this grievous injustice if my grievance can not be resolved..
AFNI is reporting that I owe XXXX {$1400.00}. This account could not belong to me, as it was opened when I was still a minor. I have contacted AFNI on several occasions to alert them of their error, and even disputed this account with the credit bureaus. Unfortunately, AFNI will not remove this mistake from my credit report.
This agressive collection agency is reporting false dates and information to XXXX relating to a {$170.00} Medical bill and claiming to be the original creditor, I have ask them several times for documentation relating to services rendered, I never recieved any services from original Hospital, they refuse to listen and have been very rude to me and called me a liar, I have recently sent a demand letter to the Hospital, XXXX and this agressive collection agency. Phoenix Financial Services LLC XXXX, IN. XXXX I have also had to send them a Cease and Desist letter for harassing me, they are reporting a five year old account as if it was a new account and late as of XX/XX/2017, they told me if I did not pay that they would cause me problems, I was able to remove it from XXXX and XXXX and still trying to get XXXX to fix the problem, I consider this harassment and would like to file official complaint, they are trying to ruin my credit. Thank you!
I previously opened  Barclay Card Gold Luxury Card  and   XXXX   XXXX   credit card products during   XXXX   XXXX   XXXX   As part of the beginning of my banking relationship with  Barclay Card , I chose to apply for servicemember benefits being offered. At the time, I was appreciative that  Barclay Card  was providing myself and other  XXXX   XXXX  servicemembers with benefits that exceeded what the Servicemembers Civil Relief Act requires. These benefits included, among other things, transaction and annual fee waivers and 0 % interest fees. When  Barclay Card  approved their benefits, they made it very clear through a letter mailed to my address that the benefits outlined would be afforded to me throughout the duration of my  XXXX   XXXX  service. There was no such language in this correspondence that indicated that the benefits being extended would be rescinded at any time prior to my separation from the military.     In  XXXX  of  XXXX ,  Barclay Card  delivered a letter to my residence stating that an annual fee waiver would no longer be extended to me, despite previous written correspondence to the contrary which indicated that an annual fee waiver would be provided for the duration of my time on  XXXX   XXXX . While I understand that  Barclay Card i s stating that I am not covered under the  XXXX  since I opened the card after entering  XXXX   XXXX , I disagree with that premise for the change in terms.  Barclay Card  offered the servicemember benefits in excess of what the  XXXX  required and to members who had already been on  XXXX   XXXX  service previously as a matter of company policy and not as a result of being compelled to do so under the  XXXX . While I understand that company policies change according to the prerogative of the company,  Barclay Card  should have considered the verbiage of correspondence to customers prior to the policy change in determining how it would proceed with customers covered under prior policy. It seems that the termination of benefits offered to servicemembers under the previous company policy is in bad faith after review of the correspondence from  Barclay Card  and the associated policies, both past and present.
This company sent me a debt collection notice about 4-5 years ago. I responded back in 30 days and told them I did nt owe the debt, as I have no knowledge of a account with the company in question. After that, I didn't hear from them for about a year, until they sent another debt collection notice. I again sent them a letter of dispute, from which I heard no reply. Last year, I received yet another debt collection notice. I once again responded with a letter claiming I dispute this debt, as I have no knowledge of this account. This time they sent a verification letter of the debt, but also stated they can not legally sue me or put the debt on my credit report. I took that into consideration along with the fact that the debt is not mine, and responded with a letter asking them to not contact me any more. Now, today I received yet another debt collection letter. At what point does this become harassment?
XX/XX/XXXX  Dear Gentle Person, Hope you are well. Here is the credit card violation by Sychrony Bank credit supplier of Walmart : 1. I bought a TV in   XXXX    on an interest free for a year program ' 2. I paid extra each month almost to pay off before time period 3. 18 months later they charged me {$360.00} in interest & said it was for TV 4.On  XX/XX/XXXX  I got customer service & had to ask for Service Manager 5. I got  XXXX  at ext  XXXX  6. She told me I had to ask the money to be allocated for TV each month I stated no one stated such a thing or provided a document stating such a thing at Walmart or Sams 7. She stated thats their job not the banks 8. I stated that 's not correct you are the credit provider it must according to consumer law be done at the time of purchase disclosed all terms in writing & this was not done & is not being done at all 9. She then checked my account & stated she would allocate the extra money I paid & pay for TV I should see the refund by Thursday  XX/XX/XXXX  10. I did not see it 11. I called again after 25 min on the phone they stated it was being worked This is the big picture neither Walmart the seller or Sychrony bank is telling the buyers they have to call & allocate the funds specifically the item they are buying on the interest free program & thousands of Walmart customers or Sam 's do not knowing & are getting stuck with huge interest bills after paying extra to pay an item off.
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Thousands of consumers are getting hoodwinked by not getting told verbally or in writing this important fact. False advertising & consumer fraud it appears is going on here.
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Thank You   XXXX   XXXX   XXXX