WillisBack/dataset-financial-user-claim huggingface dataset:
Please be advised I do not authorized the withdrawal of {$100.00} from my account additionally according to Virginia state law ACH withdrawals for payday loans is not permitted any attempt to withdraw funds from my bank account a CFPB complaint will be filed. I also need to work out some sort of payment arrangement which is more affordable. I have been a loyal customer now for many years however I have gotten to the point where I am borrowing money each month in order to pay my other bills due to having to pay on the payday loan. if you look at the amount I paid in fees and costs since 2011 I have paid enough to have paid my loan off many many times. I would like my account closed and a reduction in the amount owed and be permitted to pay one monthly payment until it is completely paid off. I 've chosen to try to work with you instead of going through a debt consolidation program. I understand that if I do not make a payment it will go into collections and I 'm trying to avoid that however if it does go into collections I would then be able to pay the monthly payment. I believe it would be advantageous for both of us if we were to come to an agreement now to avoid collection activities or additional fees and costs on either part.
I had been paying XXXX XXXX XXXX for 1 1/2 years. Till I received back 2 months payments saying another collection agency had bought my account. ( ERC ) They automatically started reporting negative on all 3 credit agencies. ****WAS NOT AWARE OF MY RIGHTS****** I sent ERC a certified letter of validation. What they responded back with is NOT in anyway 1 ) validating the debt is mine 2 ) And or in any shape a validation of prove of the charges. They are charging me a one time {$600.00} fee and a total of {$5500.00} They are not even deducting all the payments I made the last 1 1/2 years!!! TOTAL RIP OFF!!!
I have contacted Equifax on several occasions in reference to the fraudulent accounts listed as XXXX XXXX and XXXX Bank Card. I 've sent in supplemental police reports that substantiate these matters as fraudulent over the course of months. XXXX card services was investigated and deleted back over a period greater than 6-7 months and now it has resurfaced. I also have personally contacted XXXX XXXX which had been advised by equifax office of consumer affairs but have still been unsuccessful in proving myself to the point that the fraudulent account does not belong to me. XXXX XXXX XXXX with XXXX XXXX have been overwhelming. I have been more than cooperative in providing her every requested document I can possibly present to her to prove my position. Sometimes it seems like the credit bureaus are for the individual whose committing the fraud instead of assisting and protecting the consumer. It would be greatly appreciated if this department could help in resolving this matter with the XXXX credit bureaus. 
Thank You
Chase Credit Services abuses Hard Credit Inquires for simply increases in credit card limits. Unlike other credit card services I have used, Chase rapidly and freely submits hard credit inquiries without the customer 's knowledge. This drives down individual credit ratings and allows Chase to charge higher credit card interest rates.
My example : Applied for a Chase Slate Card onXX/XX/XXXX - Chase ran a hard credit report which was expected and I was informed. It was approved. Three days later onXX/XX/XXXX, Chase ran another hard credit report ( and of course got the exact same result ). They contend I was not happy with the credit limit and asked for more. This I do not recall but certainly did not expect ANOTHER hard credit report to be run.
Again onXX/XX/XXXXChase cited another credit increase request to run yet another hard credit report.
Chase is manipulating the credit reporting without clearly informing the customer about added credit reports. This drives down personal credit ratings and allows higher interest charges.
On XXXX XXXX, 2017, I attempted to with draw funds using debit card issued by XXXX XXXX ( which is an XXXX bank ) This was at the 'Chase Bank ' ATM situated at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX in United states . 

The ATM did not dispense the funds but debited the equivalent of {$1000.00} ( which is INR XXXX as per the currency exchange rate that day ) from my XXXX account. I asked the bank branch employees for assistance. 

They told me that XXXX ( my XXXX bank ) should open a dispute with Chase bank.. 
So I have already done that part and requested my bank to do this procedure. 

Because of cash shortage my daily activities like commuting, living expenses, etc,. have taken a hit. 

I request you to help me expedite this process and get my money credited back to my account at the earliest. 


Best, ..
Loancare a XXXX company, have failed to pay my property taxes on my impound account. I contacted them back in XX/XX/XXXX, no resolution as of today.
An identity thief fraudulently opened an XXXX XXXX credit card account in my name. {$10000.00} was charged to the card with no payments. I noticed via review of my Equifax report ; I contacted XXXX XXXX, filed a report with the FTC and a police report, and disputed the account on the Equifax report. Equifax denied the dispute.
I applied for my IBR recertification via XXXX and Navient XXXX of my lenders rejected my application stating that I needed to provide pay stubs instead of my tax return from last year ( which I had provided ). I refused to give my pay stubs because 1 ) I am permitted to provide my tax return for recertification and 2 ) last year when I provided two weekly pay stubs at their request they said my income was double what it actually was and calculated my payments accordingly despite the fact that the pay stubs clearly stated they were from two different weeks. I resubmitted my recertification application but am concerned they will just reject again for no reason.
I thought this issue was resolved. I cancelled my credit card with Bank of America, but they soon sent me another one ending in XXXX. I did not request it or activate it. Instead I cut it up and discarded it. Yesterday, I got an unsigned letter from Bank of America telling me they reduced my credit rating, issued me a credit line of {$500.00} due to delinquency on an account or payments on an account that were insufficient. The problem here is that I have NO active account with Bank of America. I have none of their credit cards, no loans, no debt whatsoever. I feel I 'm being harassed and punished for NOT activating their unrequested credit card. 
How do I restore my good credit and get Bank of America to leave me alone?
On XX/XX/2017, Syncrony Bank submitted a documentation to THE UNITED STATES BANKRUPTCY COURT FOR THE XXXX OF FLORIDA XXXX DIVISION IN VIOLATION OF FCRA, FAIR DEBT COLLECTION PRACTICES ACT ( 15 USC 1692 ... ... 15 USC 1692g ... ). I do not have any liability or any debt with the banking institution mentioned about. 
If the CFPB want to refer this case to any other federal agency or agency 's.
Upon checking my credit report I noticed a few things that should not be on my report. More specifically an XXXX XXXX XXXX XXXX account, in which I was notified by the company itself that they would remove it due to the fact that someone put me on as an authorized user inwhich I was totally unaware of. And according to the FCRA rule of law, this account should be removed.
I applied for a home mortgage with wells fargo bank 3 months ago. they demanded more and more pieces of information, waited a week or two and then demanded even more. so far i think they demanded the same bank statements XXXX times. XXXX wells fargo mortgage guy XXXX XXXX, dropped out and did n't return calls. the rate is about to go up due to its expiring, and i believe this is a bait and switch technique, where they postpone and postpone and postpone until oh well, you need to pay much much more because time has run out. also the sellers of the house are beginning to pull out and can do so on XXXX XXXX the rate lock in expires XXXX XXXX.
I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted XXXX and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through XXXX XXXX XXXX
I used one of the cash back deals from Bank of America ( BOA ) that requires me to spend 2x {$15.00} at XXXX to get {$75.00} dollar cash back. After fulfilling that requirement within required dates, BOA is denying me the cash back. I have attached my proof of purchase at XXXX and the exact terms listed in the offer for reference. Terms part 2 is from opening the link from second to last sentence of terms part 1
My mortgage servicer has denied me access to mortgage payment history for the period XX/XX/XXXX to XX/XX/XXXX. During this time period the servicer changed from XXXX XXXX XXXX To Select Portfolio Servicing. Select Portfolio Servicing ( SPS ) after receiving the loan this company moved immediately to foreclosure. This action was against the California Homeowner Bill of rights that went into effect on XX/XX/XXXX. I would like a resolution that includes the servicer 1. Allowing me the opportunity to apply for a loan modification. 2. Supply me with the complete payment history from XX/XX/XXXX to XX/XX/XXXX when the alleged delinquency took place.
My husband and I, have a conventional mortgage on our primary residence. We have paid all our monthly obligation on time, which includes P & I & escrow. In addition, required insurance on the property has been paid as well for the years XX/XX/XXXX- XX/XX/XXXX to XX/XX/XXXX-XX/XX/XXXX ( please see policies and receipt attached ). In XX/XX/XXXX, we paid XX/XX/XXXX-XX/XX/XXXX and on XX/XX/XXXX, we paid the amount to cover XX/XX/XXXX- XX/XX/XXXX ( policy has to be renewed on or before XX/XX/XXXX.
Nevertheless, the Bank forplace an insurance policy despite we had a policy placed on time. Today, we have a XX/XX/XXXX YTD escrow account amounting to {$2700.00}, which represents 60 % of the real estate taxes we paid last year ; if this charge continues, we will pay around {$5400.00} ( 38 % more of what we paid in XX/XX/XXXX. This is an abuse since we have our insurance current and our insurance agent has provided evidence of the payments.
I have been trying to work with Suntrust for over a year to ensure that I keep my home. I filed for a modification last year. I was up to date with my mortgage and was denied. They offered me the option to short sale. I do n't understand why they would rather let a potential new home buyer to take advantage of the fact that my home has lost value rather than work with the person that has not missed a payment in 10 years. Against my better judgement, I stopped paying my mortgage in hopes that they would help. I filed again in XXXX. Only for them to tell me that they did not get my paperwork. I gathered all of the paperwork once again. Only to be denied a modification and offered the short sale option once again. I can not short sale my house and be taxed on a XXXX. I simply ca n't afford it. They do not have my house properly appraised, have not attempted any kind of resolution, and the rep pretty much told me that he is busy and I am just a number / case load for him. I do not want to lose my home, but I am at my whit 's end with Suntrust Mortgage.
First, XXXX did not disclose options for student loans. We were told that the only way to go to the school was by means of using Sallie Mae Loans. We were also told that the loan amounts were a different number than what the lenders are saying. The interior design department closed right after my graduation in 2008 and then the entire school shortly after that. Sallie Mae has charged huge interest fees, pulled loans out of deferment and forbearance months early and reported fraudulently to the credit bureaus that the payments were late. Both Sallie Mae and XXXX are reporting inaccurate information on my credit report in terms of lates, balances and charge offs. They are refusing to cooperate by sending over the required documentation such as signatures as evidence of exact loan dollar amounts and balances owed. They also did not mark my account as disputed within the 30 days of writing to them regarding this matter.
Southwest Credit Systems has been contacting me stating there is a XXXX Internet/Cable bill that I owe in Georgia. I have never lived in Georgia but someone used my SSN to enroll in a XXXX contract ACCT # XXXX for {$550.00} & I was told the contract was signed XXXX. SCS has sent me a Identification Theft Affidavit requesting my SSN, drivers lic #, auto ins policy #, life ins policy # & birth certificate yet all the paperwork states " DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY '' on the bottom of all pages. I have contacted XXXX & this acct # is under my name & SSN but the refuse to give me copies of a contract the was signed or any of the billing statements. They are threatening to send me to collections & ruin my credit.
I have called Equifax 18 times each person puts me on hold or transfer me over and over they lie and now they have told me to break the law by calling my creditors and asking them to remove items off my report I have a split file and they are refusing to combine my report because they say it 's to long they have 52 lines so they are refusing me and my creditors access to my file which is against the law I am seeking legal counsel but until then I will use the platform as well as the BBB This is the worst company I have ever dealt with please help
M & T Bank offered me a consolidation credit card loan for my XXXX XXXX credit cards. However, M & T Bank sent one of the checks to an incorrect address and after several weeks, M & T Bank is continuing to refuse to provide me with total loan. M & T Bank has forced me to have to pay the debt from my personal bank account as I do not have access to the this portion of the loan M & T sent to the wrong address. Also, M & T Bank lured me into the XXXX, NY branch under false pretenses to sign a letter taking responsibility for M & T Bank 's error of mailing a check to the wrong address and is refusing to provide me with the money even after several weeks. I visited the XXXX, NY branch on multiple occasions ; contacted the M & T Bank customer service ; contacted M & T Bank corporate office ; and M & T Bank is refusing to refund me the money from the loan that M & T Bank lost.
Have XXXX autos this company was XXXX they filed bankruptcy then me and my husband filed bankruptcy in 2010 his shows mine do n't also extension for all school loans because of his illness done this XX/XX/XXXX and granted no payment or late due to his illness
This company is reporting an incorrect status on my credit report. This account was obtained by Portfolio Recovery Associates XX/XX/XXXX and has since been reporting as an open and revolving account, even though it is a collection account. This company is updating my as a charge off on credit report every month making it appear that I am getting a new charge off/ late status on my credit report every month. After paying the company my debt owed in XX/XX/XXXX the company again updated the account as a closed charge off, and left a years worth of late payments on my credit file. I have tried to ommunicate this error with the company directly multiple times, and the company only ever says they are reporting correctly, and that is is the credit bureaus faul, which is incorrect. A collections company should not be reporting a charge off status as they were not the ones who extended the credit to begin with, and they should ot be reporting as a revolving account.
I contacted Bank of America several times starting in XXXX XXXX requesting the company to give me half of my remaining rewards, because I had closed the account at the beginning of the year. 
The bank told me I needed more purchasing to earn the needed XXXX points and only had about XXXX. I suggested they send me a gift card of {$12.00} to show fair business practices, they refused to do so. I can show and state that XXXX XXXX sent my remaining points in a small check to demonstrate good business practices. Bank of America does not demonstrate any of the usery law features to their customers. 
It is unfair all my points go into an " abyss '' and they benefit from all the thousands of dollars I spent on this credit card ...
On XX/XX/XXXX i used XXXX to purchase a item from a women name XXXX XXXX i sent two transactions one trans for {$100.00} and one for {$100.00} The item that was sent to me was not the item i was suppose to receive the seller stopped contacting me I reached out to XXXX for a refund via email first and they told me my case was being reviewed after a week i called them and they would not honor because i didnt have a account with them i was just sent a invoice from them and told me i should dispute with my bank i was provided a provisional credit which was removed on XX/XX/19 when in fact i didnt not receive the correct item i didnt benefit from this sale i lost out on {$200.00} dollars and i need my money back
My private student loans through XXXX and Navient are out of control and no one can help me. When I call for help I just get transferred from place to place with no resolution. When I call Navient they tell me collection agency XXXX XXXX has my account I call them and they say they do n't have it navient swears they do. I found it with an attorneys office. I had worked out a payment plan with a collection agency that called me in XXXX 2015 of {$1000.00} down {$250.00} for life and interest rate reduction of XXXX percent for life. I called to find why my first payment did n't come out they said Navient took account back saying I did n't pay on it my payment was not due for 2 days so they took it back before my first payment came out. Now they are saying no payment arrangments are available. I want the payment plan I agreed to and was offered. I originally borrowed {$120000.00} between the XXXX lenders and with interest that amount has grown to nearly {$300000.00} more than my house is worth just in interest charges.
Constant phone calls on my job. I have verbally ask them not to and my boss has complained about it to me. Effecting my work status. -- -Cash Central. Calls have also been made to friends.
Every month I start getting calls about one week prior to and one week following payment. They call multiple times per day. When I block the number to use a new number. If I were in very bad standing with my account I would understand but I am not nor have I ever been which makes the consistent, repetitive and harassing calls unjustifiable.
I suppled an identity theft report, will all the proper documentation required by FTC law in order to block fraudulent accounts. 

I supplied Equifax a copy of a legitimate police report, an official FTC report indicating which accounts were fraud. I supplied a colored and legible copy of my current driver license, social security card, and a current utility bill which had my current and correct address on it. 

I supplied a cover letter which was notarized as well, which states which accounts are fraudulent and should be blocked. 

I have not only listed the fraudulent accounts, but also their account numbers, open dates and balances reporting on the credit reports. 

I have submitted these documents to Equifax 3 different times over the last 3 months. I have submitted the documents via fax and regular mail. 

Equifax has verified they have received such documents. 

I have even UPLOADED these documents straight to EQUIFAX CONSUMER AFFAIRS via a XXXX   upload link they sent direct to my email. " XXXX '' and " XXXX '' from consumer affairs are the ones I spoke with and the ones I have sent these documents to directly. I have a copy of this link and the date in which I uploaded my documents via email from and to Equifax. XXXX said he could not help me after I submitted these documents. He simply shifted the blame on " Another department. '' Equifax has responded 3 different times with various excuses : EQUIFAX : " The items will remain since the creditor verified that all information was reported accurately. '' ME : I asked what this meant EQUIFAX : " The creditor verified that the social, address and name were all correct. '' ME : Obviously the information was correct since the creditor was fooled into opening the accounts in the first place. Identity theft, in fact, is indeed identity theft because the thief, indeed, STOLE MY IDENTITY. 
ME : If the thief stole my identity, wouldn't it make sense that the information was correct? Isn't this why the Federal government came up with a procedure to assist victims of ID theft to block fraudulent accounts? 
Equifax : " Sir, we can place another investigation for you. '' I pleaded with them to NOT place another investigation since it was near certain the results would be the same as the prior ( 3 ) investigations. 

Equifax went ahead and placed the items under investigation again, and now they are explaining that it is impossible to remove them from being under investigation. Equifax says that their system is " not equipped to stop pending investigations. '' My complaints are : 1 ) Equifax refuses to do as I request, rather, they do what they feel like doing at the given time 2 ) Equifax refuses to use all of my paperwork in order to assist me in getting my life back in order, in other words, remove fraudulent items on my credit report.

3 ) Equifax refuses to guide me in the right direction in how to properly block these items of ID Theft 4 ) Equifax only disputes items under standard dispute methods, which does not assist victims of identity theft. 

Thank you XXXX XXXX
I went in to see XXXX XXXX XXXX, to have him to remove some XXXX that I had gotten XXXX. I continuously, indicated to him that, I knew it was some XXXX. He asked me if I wanted him to send it to the lab, for testing. I said no, because, I remember the day it happened, and that, I knew exactly, what was in my hand, and that there was no need to send the small piece of XXXX to the lab. He sent it any way. I do not feel as though, I owe this debt, because, he sent it against my wishes. It is not my fault, that he did not believe that it was XXXX XXXX XXXX, placed this negative information, on my credit report, with the XXXX major reporting agencies. Along with, negative information, about me going to XXXX the hospital. Which, I did not. These bills were totaling, {$140.00}, to XXXX XXXX, and a {$81.00}, bill to the hospital. All, I presume, was for the lab testing, in which, I did not instruct, XXXX XXXX, to submit!!! The and companies name and account numbers, for these illegal, transactions, are Credit Systems International XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX, ( XXXX ) XXXX, Account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX XXXX XXXXXXXX parties, needs to remove all negative information, from my credit reports ... and, cease, all harassing calls, and attempts, to collect a debt, that I do not owe.