WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, my credit card was charged for {$20000.00} to pay off my account. I spoke with XXXX on XX/XX/2018 and she opened a ticket to make sure payments are updated because she could see that fund were received on XX/XX/2018. I received a letter dated XX/XX/2018 that said, XXXX XXXX XXXX XXXX XXXX reported the default of my Federal Family Education Loan. I spoke with XXXX from XXXX XXXX XXXX on XX/XX/2018 who said the account was pulled from their office and she referred me to XXXX  Post Claims. I called XXXX Post Claims and spoke with XXXX on XX/XX/2018 who said the account was closed on XX/XX/2018. She said that payments may be held for 45 days from initial payment. No updates to the account for 3 months and 8 days. It appears the financial institution does not have reasonable policies and procedures to process payments timely, close accounts promptly, provide accurate disclosures or provide accurate information to the credit reporting agencies.
Matrix Credit Card says my account is closed as of XXXX/XXXX/17 but still wanting to charge me {$12.00} a month. Ca n't access web site to see anything and people over phone are clueless and just say they cant help.
I need COLLECTION BUREAU OF AMERICA FOR to validate and verify pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and COLLECTION BUREAU OF AMERICA is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). COLLECTION BUREAU OF AMERICA has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want COLLECTION BUREAU OF AMERICA to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) need this information because within five ( 5 ) days COLLECTION BUREAU OF AMERICA needs to provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for COLLECTION BUREAU OF AMERICA. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants CREDIT BUREAU OF AMERICA TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because COLLECTION BUREAU OF AMERICA says she owes them money and according to the LIBER CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract with. The unauthorized intrusion into the Consumers Credit Reports are not part of what Consumerism is about. This CORPORATION is in PROFIT, TRADE, AND BUSINESS, and the Consumer has personal, family, and household goods and it is not to be misconstrued for PROFIT, TRADE, AND BUSINESS, like this CORPORATION,. 
COLLECTION BUREU OF AMERICA is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. XXXX XXXX XXXX XXXX Consumer
CITI Credit card was closed on XXXX XXXX, 2016 and they are billing me for interest charges of a card that has been closed.
I am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.
On XXXX 2015 I requested validation from CBE. Although CBE account was deleted from my credit report in XXXX 2015, as of today I have not received validation requested. According to credit report pulled XXXX/XXXX/2015, this debt is now held by XXXX.
Equifax and XXXX XXXX XXXX and XXXX XXXX XXXX is reporting accounts that are not mine. I have disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report.
american Honda Finance reflects reflects multiple XXXX day on acct. These are inaccurate. Never late.
A couple of years ago I opened an account with XXXX XXXX XXXX XXXX thru XXXX XXXX I bought a carpet cleaner and was having payments taken out of checking account automatically, my bank XXXX contacted me and they thought my account was having fraudulent activity so they cancelled card and issued a new one. I had called why not lease it and told them not to use card as it would be invalid and I would call when I received new card well they used my inactive card ( I 'm not quite sure how many times ) but for awhile it was 2 time a day and each time it was rejected they charged me another XXXX dollars? When I received my new card I called and told them the new # and thought everything was fine but When I went to apply for a home loan my agent informed me that I had this account overdue much to my surprise so I called the company that XXXX XXXX XXXX sold it to and paid the bill this wasXX/XX/XXXX and still even though my credit report states XXXX they are still reporting this every month and messing up my ability to get a home loan. I called XXXX XXXX and spoke to XXXX and she told me they wo n't quit reporting even though my account is XXXX. She also said they would continue for 7 years. Totally unfair as I did not even know this debt existed! I thought it would come off my report since I had paid it I have read numerous complaints about this company Can I get some help??
Submission of documentation - additional issues related to complaint number is : # XXXX. I have had this issue before - while undergoing a loan modification, the constant resubmission of documents. I have a realtor, the house is on the market, and BoFA is stalling with questions already answered during the loan modification and are requesting documents that has been submitted XXXX to XXXX since XXXX 2015.
I keep getting a call from phone # XXXX and the debt does not belong to me and I want them to stop calling my cell phone.
I have requested an updated payment amount since XX/XX/XXXX. In XX/XX/XXXX I  paid off a loan and requested my remaining loan have the same amount taken out each month since you can't customize the payment amount on the website. I called and spoke to a representative and my payment was not updated. When the payment processed on XX/XX/XXXX, it was only half the amount so I emailed them again and received a generic response. On XX/XX/XXXX I finally received a response stating they will update my payment to the amount I requested in writing. XX/XX/XXXX payment on XX/XX/XXXX was the only payment that processed at the correct amount. XX/XX/XXXX it reverted back to a smaller payment. They keep taking out less than I requested and as a result I am accruing more in interest and my estimated payoff is months longer.
I am submitting a complaint of the huge amount of interest that went on the loan since Navient has taken over. Even with the IBR, the payment is a little high. I was out of work for over 6 months and the repayment was higher than when I was working. I had to submit a request several times before it was completed and or processed. Not to mention that some of the loans have late payments and some do not even though they should all have been due around the same time. When I requested that the late payment be removed, I was denied.
Dear Sir/Madam : I 've just read an article about problems with the lender Navient. I 've been paying a student loan for many years now and I 'm based in XXXX and working for the XXXX XXXX. I usually call Navient from abroad to make payments and at least twice a year for the past two years my loan payments have been misposted ( Instead of making a payment against the federal loan and a payment against the private loan, the payment is being posted to only the federal loan ). Since I 'm in XXXX I do n't get phone calls about late payments, until my aunt contacts me here saying that Navient has been calling her about late bills. And they have called her at least 10 times in one day!! Is n't that harassment? At any rate, I 'm usually on time with my payments, it 's just frustrating and time consuming to call and request that adjustments be made to my account to apply payments as per my original request. I really thought my case was isolated, but now based on the article I read, I understand that it is a bigger problem. Please let me know any further information on how this issue is being resolved with Navient. 
Best wishes, XXXX XXXX
At XXXX XXXX EST on XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX owned by TCF bank to attempt to settle on a debt that I had on my vehicle loan. The representative that I spoke with XXXX XXXX was rude and abrupt. He very early in the call stated he believed I never had any intention on paying the debt. I advised him that it was uncalled for and he didn't have the right to be condescending or rude to me, that I called with every intention on setting up a settlement. He then proceeded further in the call to advise me that it was likely in my best interest to get a bankruptcy lawyer and stated that I should do it today, possibly after our call and that my credit would be very negatively impacted by the balance. I advised him that I was well aware of the debt and that was why I was calling and that the loan had already been charged off. There was no justifiable reason for him to do this. I felt threatened, and that he had mischaracterized me. I then requested to speak with a supervisor but he continued to speak down to me and refused to honor my request to speak to someone in management. He proceeded to be rude and snide with me during the duration of the call. He even at one point chuckled on the line. At this point I demanded a supervisor which he then finally honored my request and transferred me over to XXXX XXXX who stated he was the supervisor the delinquency mititgation department. He proceeded to reassure me the call would be reviewed but didn't see very interested in the fact that XXXX XXXX. I am also reporting this to FTC, XXXX and looking into pursuing legal action due to the infraction that took place today. This was not the first time I have had an incident with XXXX XXXX XXXX XXXX XXXX. In a previous call made in XX/XX/XXXXa representative told me that although the vehicle was totaled they could still send out a repossession agent to the home and bill me for it in a malicious attempt to collect a payment and in a call prior to that a rep told me that collection laws were updated and that XXXX XXXX could start reporting me late to the credit bureau even if it was 1 day past due. After all of the abuse and harassing phone calls I am now submitting this because I feel the entire organization needs to be investigated for false claims and laws which are a direct violation of the FDCPA. I am requesting a higher representative contact me immediately concerning this matter and all recorded calls need to be listened too.
Experian is not allowing consumers to access their own credit report. They are keeping it locked up unless you pay money, you can not even dispute, contact and agent, or anything. They do not respond.
I often make multiple payments at one time to my mortgage company. I include the account number on the check with the months that the payments are to be applied to in the memo portion of the check. I also include in the envelope the payment coupons for the payments that the check is to be applied to. A few months later, the mortgage company sends me mail saying that I am seriously overdue on my account because they misapplied my payment. This happened last year for the XXXX time and they put a late pay on my credit report for it even though my payment was never late. That mark is still on my credit report as I have not had the time to challenge it with the credit reporting agency. Today, I received yet another threatening letter even though I 'm not behind and do n't owe any more payments until XXXX. I 'm tired of them misapplying my funds! Furthermore, when I made another multiple month payment in XXXX of last year, I requested in writing a statement of all of my account history and then still have not sent it to me XXXX months later.
NO ONE CAN ACCESS THEIR MONEY. Customer service hangs up on you once you have waited an hour or more to get to them. People are losing their homes, jobs, cant eat, or pay rent. This is a disaster. UNIRUSH LLC/ RUSH CARD is by far the WORST EVER. FOLKS ' MONEY IS MISSING.
In XXXX of 2015, I contacted XXXX XXXX for tech support on my XXXX XXXX XXXX, over the phone. The representative that answered the phone told me that. XXXX XXXX XXXX and transferred all their customers to them. I did n't question the rep because they answered the XXXX Customer Service help desk ; I was unaware that they had hacked into XXXX phone line. The rep sold me a 5 yr contract for tech support that day. It was a phone transaction. They said they would send a contract via email. They charged my credit card with Bank of America Visa Account number # XXXX. I called XXXX XXXX support for an annual update and servicing and was told that XXXX had shut down. When informed of the closed business, I checked XXXX and found the attached website, where the attorney general in Washington State had sued XXXX for fraud. Bank of America has not refunded the {$370.00} to my Visa Card. Name on Account : XXXX XXXX. Please investigate this to see why a consumer can not be refunded in the case of FRAUD. Thank you. My phone number XXXX in Virginia Thank you for help.
I took out a loan with Big Picture Loans on XXXX/XXXX/2016 in the amount of {$500.00}. I did n't fully understand the terms of the loan at the time. I 've now learned the interest on my loan is 910 %. On the original loan of {$500.00} I now owe {$3200.00} including interest ( {$2700.00} ). There is no way I can pay this. I 've already paid Big Picture {$520.00} 0n my loan. Another payment of {$170.00} is scheduled to be deducted from my checking account on XXXX/XXXX/2016 This seems illegal to charge 910 % interest. I 'm having trouble buying groceries, paying rent, and living because of this situation. I 'm in a trap I 'm never getting out of I feel.
Delta Management, is tr ying to collect for   XXXX   XXXX  . The accounts are extremely obsolete and should have been deleted from my credit report at this time. The company has fraudulently re-aged the accounts . Delta Management s ent me numerous letters by mail at  one t ime and continuously contacted me when I asked them repetitively to stop all forms of contact. They have contacted my mother which I do not know how they obtained her phone number and they continuously contacted her after being told not to conta ct her.Then, th ey contacted her  XXXX  organization, contacting the Bishop of their  XXXX  in which I never had any affiliation with, asking if I worked for the   XXXX   XXXX   XXXX   XXXX  . and several other questions. I do not know how they obtained this man 's phone number, to question and harass him. Then when he saw my mother in front of their congregation, he informed of this call and asking her why this company is contacting him. I have never worked or had any affiliation with this  XXXX . Then they had the audacity to send me a demand letter for notice to prior wage garnishment, Then in the prior to wage garnishment, they had the audacity to threaten me and say if I did not sign and return, they would again contact the organization The   XXXX   XXXX   XXXX   XXXX   that I have never worked for or had any affiliation. I have nothing to do with this organization. This was extremely humiliating, stressful and harassing for my mother and myself and the  XXXX   Bishop  was extremely upset for the contact.
As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) Experian - after filling out the required form, I am sent to Experien 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH EXPERIAN 'S PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from Experian and the other 2 .... WHAT THE XXXX  GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.
today, XX/XX/XXXX/17, XXXX XXXX called my cell phone, then my job, once asking for me, then called back again asking for my supervisor. I informed him not to call my job again the first call. He has threaten to send me something to come to court.
On   XXXX   XXXX   XXXX    , I applied for a mortgage loan. The lender pulled my credit reports and notified me of  XXXX  collections being reported, which I am certain do not belong to me.     On   XXXX   XXXX   XXXX   I mailed a letter to the information furnisher requesting debt validation.     On   XXXX   XXXX   XXXX   I faxed personal identification documents to Equifax including a copy of my driver 's license,  XXXX , and utility bill.     On  XXXX   XXXX   XXXX   XXXX   I   mailed a letter to Equifax disputing both collections as errors. I informed Equifax that the accounts were not mine. I also advised them I had already contacted the information furnisher to request debt validation, which they had not provided to date.     I received the dispute results from Equifax dated   XXXX   XXXX   XXXX    . For both collections, Equifax stated We verified that this item belongs to you.     Since I never received any response from the information furnisher directly, I wanted to know how Equifax was able to verify these erroneous items. On  XXXX   XXXX    XXXX  , I mailed a letter to Equifax, requesting the method of verification and contact information of the person who verified the accounts.     I received a response from Equifax dated  XXXX   XXXX    XXXX  . It was a description of the general procedure Equifax often uses to investigate disputes, but did not provide any details regarding my specific situation. Equifax ignored my request for the name and address of the person who verified the accounts.     I  do not believe that Equifax conducted a sufficient investigationor any investigation at all. I would like them to provide me with specific information about how the accounts were verified ( including documentation used ), as well as the name and address of the person contacted at the information furnishers company. If Equifax can not provide these details, then the only acceptable resolution is deletion of both collection accounts from my credit report.
My LLC called XXXX XXXX, XXXX filed bankruptcy, signed a Stipulation with Chase, and successfully got out of BK, on XXXX XXXX, 2014. Chase refuses to follow the orders of the XXXX Court. They refuse to honor the split or bifurcation of the loan in XXXX parts, a secured part and an unsecured part. Because the unsecured part had a Court approved dividend of 2 %, which is very low, Chase made a fraudulent XXXX stating that they cancelled the unsecured portion of the loan. They are defrauding the IRS with this false " credit '' for their tax return, and defrauding me by stating that I have to pay Income taxes on the so-called Cancellation. XXXX XXXX XXXX. E-mail : XXXXXXXXXXXX. My mailing address is XXXX. XXXX XXXX. XXXX XXXX, CA XXXX Chase Loan number XXXX Property address ( but not mailing address ) XXXX XXXX XXXX. XXXX XXXX, CA XXXX ( Loan has supposedly been sold to XXXX, but is still serviced by Chase ).
Coinbase charged me debit card fee on buying crypto currency in the XXXX. In the XXXX its illegal for companies to charge a fee for using their debit card for any purchase. This law came into force on the XX/XX/2018. 

XXXX XXXX XXXX
On XX/XX/2018 I paid off the balance of my credit card XXXX. There was a XXXX   balance at that point. 3 weeks later I am informed they are closing my credit card due to my credit score. My credit has been going up monthly and my payment had been made on the card. They refuse to open the card back up. However they should not be able to just close the card. I have been a good customer for over 3 years with this card. They also did not send over a cleared balance statement.
I am a victim of the US Office of Personnel Management ( OPM ) identity theft, that has been widely reported. I obtained documentation from OPM & contacted my local police. Local police said they had no jurisdiction, since the matter regarded a US federal agency & to contact the Federal Bureau of Investigation ( FBI ). I contacted the FBI & received a " Complaint Referral Form '' from them, containing my reported identity theft. I submitted the OPM & FBI letters, twice to equifax, requesting a security freeze, at no cost, as required by law. Each time, equifax replied with a vague letter, which all that I could gather, was they were not going to grant my security freeze. The letters did not contain an explanation or valid phone number for equifax, but were somehow able to contain the valid phone numbers of equifax 's competitors, XXXX & XXXX XXXX. I called equifax, XXXX, & requested they explain why I was not being granted a security freeze. I spoke with XXXX, XXXX, then XXXX at equifax. XXXX said the letter I received from the FBI & sent to equifax is not a valid police report. When asked to explain what it is equifax is expecting, XXXX stated she does not know what a FBI police report looks like, other than she expects it should say " police report '' on the top. I asked to speak to XXXX 's supervisor to which she informed me she was a manager & refused to connect my call further up the line. 

equifax is refusing to grant me a free security freeze, as required by law, even though I have met all the requirements. Please help.
I am a XXXX XXXX vet trying to get loan thru usa mortgage XXXX out of XXXX mo its a va loan and they keep screwing me over I believe they are screwing me around because I am a XXXX vet with that as my only income I have good credit and always done what they ask and provided everyrthing they ask they will not give me reason for denial or give me answer if I got if I got loan it has been months there is no reason for them to treat me like a piece of XXXX and not do what they said they would do