WillisBack/dataset-financial-user-claim huggingface dataset:
My parents contacted me and told me that someone from Miller Stark Klein said they were trying to find me for a court summons. I tried to make contact with the company the same day and they did not answer. The following day, I tried to contact again and spoke to a XXXX. XXXX stated they had information about $ XXXX of debt from a bank account I do n't use in a city I havent lived in for a decade. When I questioned the authenticity of the claim, she got upset and implied there was nothing I could do to resolve the issue. At no point did they ask for any current contact information or where I even currently live, just that I pay the money. When I asked for paper documentation of the records they have on this case, she stated I could take it up in court and hung up on me- without providing any information or even asking for where I could be contacted.
I took out a loan with OneMain Financial for {$7000.00} dollars on XX/XX/2018 My statement dates were the XX/XX/XXXX of each month with a payment of {$270.00} due on or before the XX/XX/XXXX of each month. 

On XX/XX/2018 I received my first statement online and I made my first payment of {$270.00} online XX/XX/2018. The payment breaks down as follows Amount {$270.00}, Interest {$200.00}, Principal {$64.00}, Balance {$6900.00} On XX/XX/2018 I received my second statement and made online payment of {$270.00} on XX/XX/XXXX Amount {$270.00}, interest XXXX, Principal {$60.00}, Balance {$6800.00} On XX/XX/XXXX I received my third statement with a balance of {$6800.00}. On XX/XX/2018 I paid {$6800.00}. To my dismay when I checked my online account I show a Last Statement Balance of {$170.00}? My last statement was XX/XX/2018 and it did not show this? 

On their website it specifically states that this is an interest bearing loan with the following statement. 

The balance shown represents the principal balance upon which interest accrues. The balance does not include any past due charges, such as late charges, because interest does not accrue on those charges. Any payoff occurring after the statement date will include the balance, the loans cumulative past due charges, all fees added to the balance after the statement date, and all interest accrued on the balance after the statement date. 

I paid off four other creditors on the same date and this is the only company that added additional interest when I paid balance in full? What Am I missing other than they trying to rip me off?
On XX/XX/XXXX I called transunion credit report asking about the inquires taken off and put back on my credit report. They told me that report was not affected but i did see my inquiries were taken off and put back on. I would like to know the dates and they this glitch took place. I would like this inquires taken off my credit report.
This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded  in the State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.
First, I have since my drivers license and my Social Security card to each credit bureau. There is a name on my credit report by the name of XXXX XXXX that should be delete it I have no association with that name. I have verified who I am what account should be deleted but the police report that was submitted to each credit bureau. However, My credit report still shows that I have delinquent or miss payment accounts. I know that this is XXXX XXXX  activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those accounts. The only accounts I should have open or from my credit report still shows that I have delinquent or missed payment accounts. I know that this is torture night activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those fraudulent accounts. I wish to have removed from my credit report that I have serious delinquent accounts and missed payments. The only open accounts are my student loans, one credit card Thats it!
MY HUSBAND HAS A CAPITAL ONE CREDIT CARD WHICH TO MY KNOWLEDGE I WAS NOT AN AUTHORIZED USER, NOR DID I WANT TO BE AN AUTHORIZED USER. I AM NOT A CO-SIGNER NOR DID I EVER GUARANTEE PAYMENT ON HIS CREDIT CARD ACCOUNT I HAVE MY OWN CREDIT CARDS WHICH I USE CAREFULLY, TO ASSURE THAT I AM ABLE TO PAY IN FULL THE MONTHLY STATEMENTS. I FREQUENTLY MONITOR MY CREDIT SCORE FOR THE PURPOSE OF INCREASING MY CREDIT STANDING. 

IN CHECKING MY SCORE I DISCOVERED A SIGNIFICANT REDUCTION. 

THE REASON? 
MY HUSBAND HAS A CAPITAL ONE CARD WHICH IS DELINQUENT AND BECAUSE OF THIS CAPITAL REPORTED ME DELINQUENT. I CALLED CAPITAL ONE AND SPOKE TO AN AGENT AND TO A SUPERVISOR AND WAS TOLD THAT I HAD ABSOLUTELY NO RESPONSIBILITY IN REGARDS TO MY HUSBANDS ACCOUNT. CAPITAL ONE ALSO OFFERED NO EXPLANATION WHY THEY REPORTED ME DELINQUENT. PLEASE HELP ME TO RESTORE MY GOOD STANDING WITH THE CREDIT COMPANIES
XXXX XXXX, XXXX Chase Credit resolution Dept. 
XXXX XXXX XXXX XXXX 
XXXX, Oh XXXX To Whom It May Concern : Reference : XXXX business credit card account XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above account was approved and began in XXXX of XXXX. As far as I can tell looking through the history of the account, it has never been late. 

In XXXX of XXXX, XXXX, my company was sold to XXXX and XXXX in XXXX Ohio. In XXXX of XXXX, I requested that the account be closed due to the sale of the company. I was told the final bill to close the account was {$130.00}. I paid the balance. I paid it on our company bank account that was closed by XXXX and XXXX and I had no idea the payment was returned. 

I was never notified by Chase that the payment was returned insufficient funds. In XXXX of last year, I saw an alert that my credit had changed. It was the first time I had any notice whatsoever of a problem with the above account. I immediately called customer service at Chase and was informed that my final bill had ballooned to {$470.00} with late fees and interest charges. After speaking with several people that were not helpful at all, I was transferred to a lady by the name of XXXX XXXX XXXX XXXX XXXX ) who agreed the charges were uncalled for. She lowered my bill to {$360.00}. I paid it immediately on the phone with a credit card. Still unconscionable, but I had no choice since these unwarranted late notices had been reported to all XXXX credit bureaus. I could not allow my credit to suffer any further. After XXXX did everything she could for me, she transferred me to XXXX who represented herself as being " in charge '' of customer service for Chase which seems very suspect since she did n't have a customer service XXXX in her body. She refused to repair the mistakes made from this situation to the XXXX credit bureaus on my behalf. 

The result is this : This account was open for 8 years with never XXXX problem. Hundreds and hundreds of thousands of dollars were run through that account in those 8 years. 

When the final payment was made to close the account and it was returned ; I was never notified by Chase. When the company was sold last XXXX, I deposited {>= $1,000,000} from the sale into a Chase Money Market Account. It is still there today. ( see attached ) There is no viable argument that they could n't find me to notify me. It also makes no sense whatsoever that I would n't want to pay my last bill on this account for {$130.00}. 

XXXX can only surmise that these are bank policies designed to rack up absorbitant fees and by also reducing XXXX scores with inaccurate data they force consumers to pay higher interest rates. 

I demand my credit be corrected to reflect my accurate payment history with your company. I should not be charged with late payments and face the resulting drop in my credit scores due to your negligent ability to notify me. Your own employee agreed otherwise she would not have adjusted the late charges. 

XXXX XXXX XXXX I 'm happy to provide more identifying information on this situation or attachment if someone wants to call me
Was denied credit for having no credit file which is false and should not count as a hard inquiry due to creditor 's error.
Equifax, due to negligence, has leaked my personal information. I have attempted to contact Equifax to free my credit, and they only seem to be interested in SELLING me credit monitoring services. It is completely unacceptable that Equifax is going to be able to PROFIT from their negligence.
We had a mortgage with XXXX XXXX XXXX, everything was fine until we had a wind damage insurance claim. the Insurance co ( XXXX ) sent us a check to be endorsed by us and the mortgage company on XX/XX/2018 in the amount of {$22000.00}. the rules kept changing on how to get the contractors paid. I got my insurance company to call five times to help get this problem resolved. I told them that I was going thru the Cal. DOJ if we did not get the checks. On XX/XX/2018, they sold my loan to Selena Finance XXXX XXXX XXXX XXXX. XXXX, TXXXXX, XXXX. I called Selena and they said a balance of {$9000.00} was transferred, However : no insurance or claim adjusters report were forward and Selena said, I could resubmit all the paper work again. I am aXXXX % XXXX XXXX veteran and my ceiling is falling down. I had the roof repaired and floor replace ( paid ) the ceiling and paint still needs yo be done. I have been back and forth since XX/XX/2018 and has cost me {$78.00} in mailing all this paper work. I am not going to do this again. I will send the appraiser cost for repair.
In 2015 a fraudulent check was deposited in my Suntrust account, I notified ny local branch manager it was reported to the fraud department. I also filed a police report on Identity theft previously. My Account was overdrawn because of this check. Suntrust prematurely closed the account. Leaving me with a balance I assume. This was reported to collections but I was made aware. Now i have a problem with being in chexsystem with both Regions And Suntrust.
XXXX serviced of my loan until Navient took over in XX/XX/XXXX. During the time they held my loan, beginning in XX/XX/XXXX, they constantly steered me towards Deferment, Forbearance and Hardship Forbearance when I would have qualified for those six years they serviced my loan for an income based repayment plan. Had is been accurately provided the information needed to make decisions based on all of the available options, I would be nearly 10 years down an income based plan that would have my loans discharged after 300 months of consecutive payments.
XXXX... I was approached, while at XXXX XX/XX/17 and was given their spiel on their services and I said I might be interested. He asked for my address and name. He said to check if XXXX was available in my area. Recently, I downloaded XXXX XXXX and released that XXXX did a hard inquiry on my credit. He never mentioned anything about running my credit. I filed a " notmycreditinquiry '' per XXXX 's advise. After reading a XXXX ton of complaints regarding this matter with no resolution, I am hoping your services will help. We are putting our house up on the market and will need to purchase another home and at this time I have " fair '' credit and want to eliminate any bad karma off my credit record on XXXX.
I have attempted to contact CitiBank 's CitiGold Division on several occasions to disable " Overdraft Protection '', I was repeatably told by a supervisor this was " not possible ''. Frankly, this does not make any sense since other banks have the ability to turn off Overdraft Protection thus preventing any Overdraft Fees from occurring. During the Holiday Season ( XXXX and XXXX XXXX 's ), various transactions settled on strange dates for whatever reason. Additionally, CitiBank charges a {$34.00} Returned Check Fee which is in violation of State Law. The maximum amount in Illinois and Michigan is {$25.00}.
I was affected by the XXXX breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( XXXX  - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( TransUnion XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!
Huntington bank closed my account on XX/XX/XXXX shortly after I complained about illegal overdraft fees. 
When I asked why my account was closed Huntington Banks response was this : " Huntingtons system monitors accounts in a negative status and the system will automatically close accounts that remain in a negative status for a period of time as your account remained in a negative status your checking account ending in XXXX was systematically closed on XX/XX/XXXX and - {$23.00} was owed to Huntington. 

Huntington gave a partial answer ..for a period of time now everyone knows computers can not think on their own ( at least not yet ) Huntingtons system in programmed to close accounts after a specific amount of time, I want to know how long that period is. Consumer have a right to know and I believe that information MUST be transparent. 

Therefore, my only question is this : 1. How long must an Huntington Bank account be overdrawn for it to be systematically closed? 

I will not stop until I get a response to that question. I believe Huntington bank does no provide this information to consumers in any contract disclosures when it is information consumers have a legal right to know.
" I would like to formally dispute the way XXXX XXXX XXXX Loans Account # XXXX is reporting the mortgage I had with them in the past. They are still reporting it as a foreclosure but will not update it to show that the account was eventually settled through a short sale in XXXX. This same account was transferred to XXXX and XXXX is reporting it accurately. I 've uploaded XXXX page of my recent credit report which shows how both XXXX XXXX and XXXX are reporting the same account ( the XXXX reporting is just underneath the XXXX reporting ). XXXX added the key verbiage " Creditor Settled for less than amount due ''. That is the standard verbiage used to reflect a short sale. For some reason, XXXX XXXX does n't want to do that. Furthermore, when I submitted a formal request to XXXX XXXX in writing to ask them to correct this a few months ago, not only did they refuse to correct it but they actually compounded the error by reporting that they started foreclosure proceedings XX/XX/XXXX which is completely wrong! They need to adjust the history so that nothing derogatory is dated on their reporting after that short sale which ended XX/XX/XXXX which is how XXXX is reporting it. ''
In 2005, I was forced into taking a private, co-signed loan for around {$8000.00} with XXXX XXXX ( now navient ). I was told to defer my loan or use forbearance. 13 YEARS LATER ... ..even with making income based payments for the last few years, I still owe over {$7000.00}!! 

I am currently a XXXX XXXX in a XXXX XXXX and I contacted them about loan forgiveness. I was told I didnt qualify because my loan was under {$10000.00}.
It all started when my account was negative due hardship. An error through a gas station app made 3 transactions on my bank account. I understand that the bank charged a fee of {$35.00} for each transaction on XX/XX/XXXX and XX/XX/XXXX. I did made a check deposit to clear the payments, but the bank put a hold on for days and kept me charging for more overdraft fees on XX/XX/XXXX and XX/XX/XXXX. For some family that was going through a struggle all that fees are unnecessary. 
I called bank of America and they helped me with only 4 other charges that were also made on XX/XX/XXXX way after my check was cleared. I was transferred to another department, and he also said nothing he could do with those 5 other fees they were charging on XX/XX/XXXX and XX/XX/XXXX. They charged me over {$400.00} only in fees. I said I understand the first ones was made due negative account, but not another XX/XX/XXXX.
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.
I contacted Wells Fargo Home Mortgage 's Servicing Division today to learn how I can remove the PMI from my loan, which costs me appx. {$1100.00} per year or $ XXXX/month. 

What I learnt from them is that, in order for me to remove PMI from my loan, there would have to be 65 % Loan to Value ratio on my property. They said that this was part of the deal when the loan was financed by XXXX XXXX back in XX/XX/XXXX. 

This is not correct! My loan is a 30 yr fixed rate CONVENTIONAL LOAN.

The Federal Trade Commission and the Federal Housing Protection Act ( HPA ) states that PMI must be automatically cancelled once the loan balance reaches 22 percent equity ( meaning 78 % LTV ). This rule applies to all mortgage loans signed on or after XX/XX/XXXX. 

Wells Fargo has escalated the matter to their dispute resolution department however I am not sure what they will come back with.
I PREVIOUSLY COMPLAINED ABOUT XXXX/LOAN SCIENCE REPORTING AN INCORRECT 1ST DATE OF DELINQUENCY WITH RESPECT TO TWO STUDENT LOANS REPORTING ON MY CREDIT FILES. THE INCORRECT DATE OF DELINQUENCY XXXX/LOAN SCIENCE IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNTS SHOULD NO LONGER APPEAR ON MY CREDIT FILES.
Last year I paid my debts. I started in XX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and XXXX. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX XXXX XXXX
XXXX XXXX Acct # : XXXX - NOT MINE, No proof of debt XXXX Acct # : XXXX No Proof of debt XXXX XXXX XXXX, XXXX Acct # XXXX -NOT MINE, No proof of debt since XXXX Acct # XXXX NOT MINE, No proof of debt UNIVERSITY XXXX Acct # XXXX NOT MINE, No proof of debt XXXX Acct # XXXX NOT MINE, No proof of debt INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX not accurate not my address XXXX XXXX XXXX XXXX XXXX XXXXPlease be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for " legalization '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise Name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.