WillisBack/dataset-financial-user-claim huggingface dataset:
They took an illegal action. After agreeing to pay a monthly payment of {$100.00} per month. They withdraw {$500.00} during the second month even though I paid on time. is this a violation to the fair debt collection act or the Electronic Fund Transferred Act? XXXX however my bank did refund the charges. I am now afraid to deal with this law firm.
I received a message that I was potentially affected by the recent credit breach. I checked X/X/17 through their website to receive that message. I did not sign up for their monitoring, which required me to waive rights to legal action against them, which was unacceptable in my opinion. It was also unacceptable that this breach happened weeks ago, and I 'm only finding out now. I have filed a fraud alert through them, and have checked my credit report through XXXX.
Charged a {$12.00} processing fee for my Citibank basic checking account even though I had a combined {$1700.00} total between my checking and savings account ( the requirement is only {$1500.00} ). It turns out I was charged {$12.00} fee for a checking account I did not want, did not ask for and did not know I even had ( as it did not show up on my accounts screen for my online banking ). Luckily I was inquiring about how to transfer funds into my checking account when I inquired about the {$12.00} fee. ( Ironically, I was transferring funds from a XXXX XXXX account ).
We closed on our home XX/XX/2018 and were informed during the closing that in South Carolina we would have to demonstrate to the Tax Assessors office that we lived in the home in order to receive the 4 % tax rate. However, closing costs were calculated at 6 % and mortgage payments would be made at the 6 % rate until the assessor reduced the amount and sent us the final bill. We proceeded and received the XX/XX/2018 final bill on or about XX/XX/2018 and sent it to LoanCare ( attachment : Tax bill ). LoanCare responded XX/XX/2018 ( attachment : First response ). After that response, I called LoanCare who then told me that I needed to submit an Escrow Analysis request in writing which I did ( attachment : request ). I received acknowledgement of the request ( attachment : acknowledgement ). I called to inquire based on their response on or about XX/XX/2018 at which time I was informed that it was not complete yet. I followed up on XX/XX/2018 at which time I was told that an escrow analysis would not be completed until XX/XX/XXXX
3 problems I have with Equifax and they are clueless to resolved the problems : 1. Still have n't received my credit report from them, I filled a complaint with CFPB, last month about this. 
2. On XX/XX/2017 I had a hard inquiry placed by XXXX on my file. I have been a XXXX customer for 12 yrs. Never applied for any new services with them. I called and all they said was send my Id and a bill and the would investigate it, still waiting 3. On XX/XX/2017 I received a call from XXXX, stating XXXX placed a Hard inquiry on my report. I have n't applied for anything with XXXX.
I bought this property at auction in XX/XX/XXXX, from the company that was holding the mortgage. I don't know how Statebridge ( Account ID : XXXX, XXXX XXXX, deceased ) got involved, but I suspect it was handed over to them for collection before the property was foreclosed on. I have talked to them several times. I thought they had resolved the issue because I had no phone calls or mailings for about six months. Then, I received another mailing in XX/XX/XXXX. 
As the former owner is deceased, they won't discuss the account with me, the current owner, but they have had no issue with harassing phone calls and mailings.
Tranunion recently decreased my credit score by XXXX points after receiving certified requests for historical records. Transunion has also decreased my score by mass points twice in the recent past after filing disputes and complaints to BBB and to this agency. The exactness and timing is fact proven that their malicious actions are in reactions to the aforementioned. Regardless of which model is used XXXX XXXX or XXXX the deduction is recorded as a mass XXXX point reduction without just cause. The matter has been referred to legal counsel.
There 's a XXXX collection on my account reporting for {$780.00}. I 've never done business with this agency and they can not give me a signed contract or proof that I owe this debt. I have disputed this many times over the years. I have sent a written request for the credit bureaus to prove the debt is mine as of XXXX 2017 ; no response or any removal of the account as of yet. This is causing issues with me obtaining credit due to the negative information being displayed on my credit report.
Failure to report credit experience correctly as per request of the creditor : On XXXX XXXX, XXXX, XXXX XXXX XXXX obtained a loan from the XXXX located at XXXX XXXX, XXXX, XXXX XXXX. I, XXXX XXXX, was included improperly as a co-signer although I had not I agreed as such. 
The XXXX violated several laws and consumer related regulations, such as, to name a few, the Truth in Lending Act, the Fair Credit Reporting and Equal Credit Opportunity Act. For the former the violation consisted of failure to properly notify the " cosigner '' and obtaining a signature using unfair and deceptive practices. 
The aforementioned resulted in litigation. On XXXX XXXX, XXXX, the parties reached a Settlement for all claims and counter claims. See attached XXXX ( Settlement Agreement ). Under the agreement the XXXX agreed to report the original credit as : " Paid as agreed ''. See Article XXXX highlighted in yellow. The XXXX also agreed to remove derogatory information as indicated in XXXX XXXX. 
We have been in contact with the XXXX and they have indicated that they have reported the credit information as established in the agreement. We informed the XXXX that the information in the credit report is the same that was there before the agreement was signed. The XXXX indicated that they made the changes and that the failure to report the changes is the responsibility of the credit bureau. To this effect on XXXX XXXX, XXXX, they provided us with a letter indicating that the credit has been reported to the credit bureau in accordance with Article XXXX and XXXX of the Settlement Agreement. See copy of the letter attached. 
We are hereby requesting that the credit bureau take immediate steps to correct their record and report the credit as Paid as Agreed as indicated in the settlement agreement and remove all derogatory information as indicated in Article XXXX of the attached settlement agreement. 
Your cooperation in resolving this matter expeditiously is appreciated. 
XXXX XXXX
The account showing in collections has been paid long ago and the company saidthey reported it as paid but that is not the case. I need this removed from the report and also my BK has been over 7 years so I would like that removed from the public record as well.
I have called disputed the information with all credit bureaus through telephone and through their dispute process. they still are showing incorrect information. XXXX sent me the correct information but Equifax in their response to the complaint said that the creditor verified the information. I am attaching that information along with the withdrawals from my bank account when the mortgages were paid. XXXX was deducted on XX/XX/XXXX, paid on XX/XX/XXXX because XXXX lied and said I input my bank information in wrong and on XX/XX/XXXX, paid on XX/XX/XXXX.
On XX/XX/XXXX, I received a call at XXXX from telephone number XXXX. The woman calling offered to refinance my mortgage at a lower rate. I informed her that I just refinanced in XX/XX/XXXX and, therefore, had no intentions of refinancing again. I requested she take me off the call list. 
On XX/XX/XXXX at XXXX, I received another call from telephone number XXXX. This time, a woman named XXXX offered to refinance my mortgage at a lower rate. I explained to XXXX that I received the same phone call yesterday, told the previous caller that I recently refinanced, had no intentions of refinancing again, and had requested she take me off the call list. Furthermore, I did tell XXXX that I was being nice now but that I wouldn't be nice in the future if the calls continued. XXXX quipped back with, " Well, you didn't talk to me so you have no reason to be anything but nice to me, " and then proceeded to hang up. 
I immediately called the number back and was hung up on again. I then called back a second time. The man that answered asked for me. I explained to him that I wanted taken off the call list. He then hung up on me. 
Finally, I reached a telemarketer that transferred me to a supervisor named XXXX. I asked XXXX for the name of the company. He told me, " Resource Marketing Corporation. '' I asked XXXX if they were in Georgia as they were calling from a Georgia area code. He informed me that they were located in New York. I informed XXXX of the incidents and informed him that the number they were calling was registered with the National Do Not Call Registry. ( This was verified with an email - the number has been registered since XX/XX/XXXX ) XXXX was apologetic and assured me that he would reprimand XXXX for her actions.
on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, XXXX, XXXX concerning the Dept of Ed/Navient accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXXit reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month. 

I sent the above complaint to XXXX, XXXX and XXXX. XXXX responded stating that they store information in their records as it is supplied to them by creditors.
I have XXXX accounts listed on my credit report by a collection agency called " Portfolio Recovery Associates ''. I have disputed both with XXXX and the response was a remark on my report indicating " XXXX ; & gt ; PLACED FOR COLLECTION & lt ;. 
Under loan type XXXX are listed as " FACTORING COMPANY ACCOUNT ''? I have no idea what that is or what it means. 
I have requested documentation such as signed documentation that these are my accounts as well as payment history to show where they came up with the dollar amounts listed. Neither XXXX nor Portfolio Recovery Associates have provided any documentation. Simply the notation on my credit report that the investigation is complete. 
How does a collection agency get to throw items on your credit report without any documentation whatsoever? What recourse do consumers like myself have?
Portfolio Recovery Associates ( " PRA ''  ) is violating the Fair Credit Reporting Act ( " FCRA '' ), the Fair Debt Collection Practices Act ( " FDCPA '' ), and the  XXXX   XXXX ,   XXXX   Consumer Financial Protection Bureau  Portfolio Recovery Associates Consent Order ( " Consent Order ''  ) by continuing to infer that Consumer owes this alleged debt, yet can not ( and HAS NOT ) provided any proof that satisfies FCR A 623.  The alleged original creditor,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . has deleted its trade line  ( s ) from    Consumer 's cred it reports, as it has no evidence this alleged debt exists ( in the way of a signed application or contract for debt ) . Consumer co ntends that  PRA 's con tinued reporting of this account to the major credit reporting agencies ( " CRAs '' ) constitutes a false, misleading statement and is a PROHIBITED abusive practice as banned in th  e Consent Order.
*Consumer DOES NOT consent to telephonic contact.
*This complaint to be directed to PRA ONLY.
Hello this company has called me over 25 times in one day. I asked the represensative to place me on the do not call list and she said she was not going to I asked her to call her manager she refused and hung up the representative has continue to harass me over and over calling every 2 to 3 min after each other
For the past several years, I had been received several calls for payment, when I stated I would like lower payment plan, customer service didn't offer much of a solution. 
They wanted the money. This had been going on for several years until recently-the past several months it had been less harassing. Currently trying to pay online, Navient has a pop up wanting to say " yes for sending emails '' and can not say no to this pop us, unable to may payment online, tried to call to make payment by phone. The computer system is down and to call tomorrow. Its affecting my credit.
I have had a Bank of America card for 17 years. Within the past year, I 've had XXXX problems with this account. 

The first problem is that the emailed statements have not been delivered regularly since XX/XX/XXXX. This has resulted in several late charges. I checked my junk mail folder and deleted items. I received a statement on XX/XX/XXXX and Did not receive another unil XX/XX/XXXX. This leads to the second and more serious problem ... 

I logged into my account on XX/XX/XXXX to pay my account. This payment did not go through. Bank of America has a record of my log in, however ; they do not have a record of my payment. In XXXX, frustrated with the late fees and the email problems, I paid off my balance and cancelled my card. On XX/XX/XXXX I recieved another statement. Again, my payment did not go through. I called Bank of America and was told that they had a record of this payment, but that they ( Bank of America ) had cancelled it " for some reason, maybe it was a glitch. '' This transaction was cancelled with out my concent and without notification. 

I 'm trying to get the late fees reversed for the XXXX, XXXX, and now XXXX statements. After an hour on the phone, Bank of America admits their mistake with the XXXX transaction, but not XXXX. The Bank of America representat stated that the case is currently pending an internal investigation.
On or about XX/XX/XXXX, I sent notice to Equifax Information Services, LLC and advised them of an item reported by XXXX XXXX XXXX. I also advised them that XXXX XXXX did not send me a HIPAA release that releases my medical information to them which definitely violates my HIPAA rights. I asked Equifax Information Services, LLC to delete this item within the required time stated by law. Within the allotted time Equifax Information Services sent me a response saying the account was verified. I then sent Equifax another letter on or about XX/XX/XXXX advising Equifax to send me a  description of the procedure used to determine the accuracy and completeness of the information requested including name, address, telephone number of each person contacted regarding this alleged account and my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Again Equifax failed to do so. They simply responded the account was verified. A third time I sent a letter of final communication concerning the inaccurate entry being reported under XXXX XXXX XXXX, but yet again they failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims. Furthermore Equifax failed to send me their method verification, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I advised them that I would be filing a complaint and if they should decide to correct their records and remove the negative false item in question to contact me. Again Equifax sent a letter saying the account was verified with no proof. Therefore I am officially filing a complaint against them.
I have a corporate auto loan with Bank of America. The loan has been on autopay via Bank of America 's system since the XXXX payment in XXXX. In XXXX XXXX, this autopay was cancelled with no reason or notice from BoA and they claim to have no understanding why it was cancelled. When they called me to notify me of a late payment, I immediately made the account current, and was told that all interest and late fees would be waived and my credit would not be marked. Of course my credit has been marked, being the only negative information on my credit report. I have gone through BoA 's correction process and they refuse to remove the negative information and will not give any information beyond saying " the information reported is accurate. '' Which, obviously, it is not.
For the past couple of years I have been trying to negotiate with XXXX XXXX XXXX for a favorable payment. Due to extenuating circumstances and family commitments I am unable to afford my monthly assessed payment for the life of my loan. When I began experiencing financial difficulty I immediately reached out XXXX XXXX to get on favorable payment schedule to bring my account current. Sadly, I could not pay the monthly payment and past arrerages that brought me to this point. Needless to say I defaulted on my private student loans because XXXX was unwilling to provide any reasonable workout options to include a reduction in interest rate, late fees or principal reduction. My account with XXXX was recently transferred to Transworld Systems , Inc. collection agency who is demanding a payment of {$80000.00}. On XXXX XXXX, 2015 @ XXXX. I spoke to XXXX XXXX at ext. XXXX and XXXX XXXX XXXX, Operations Supervisor at Transworld Systems ; XXXX XXXX can be reached at ( XXXX ) XXXX. In speaking with XXXX XXXX he stated that XXXX will be willing to accept a lump sum payment of XXXX, when I asked if any other options were available he said that I could pay the interest but it would not affect the principal amount and when I asked if the a payment arrangement could be made for a debt settlement amount he stated that none were avaiIable at present. I asked for all of my payment options to be documented in writing and he said the only option that could be documented would be a pay-off amount of the $ XXXX. I am asking and praying that you would be to assist me in this very serious matter so I can get into positive pay for my private student loan so I do not have to file for bankruptcy.
My ex filed a bankrupty procedure back in XXXX 2015. Unfortunately, I had not yet moved the mortage into my name alone. now his bankruptcy is keeping me from paying my mortage. I have tried repeatedly to reach out to Wells Fargo so I can continue to pay the mortage, which I had been paying on my own for over XXXX years until Wells Fargo stopped deducting the auto payments from the account. Now, now one will speak to me at Wells Fargo. The bankruptcy that my ex filed is ruining my credit as Wells Fargo is reporting the debt as outstanding on my credit report. I have called wells fargo and have given them the acct several times and have asked that they deduct the payments and nothing, the money is just sitting there.
I have spent many hours calling Discover in attempt to resolve their derogatory items on my credit report. Nobody has given me a clear explanation of the reason for the late payments reported to my account. Their representative scheduled my payments over the phone and then Discover increased my interest rate so that the payments would be inadequate. Regardless, this difference should have been nominal and I do n't believe I was ever more than 60 days late. In addition, a Discover representative specifically told me to disregard any notices from Discover about late payments. When I spoke to managers at Discover who had reviewed calls I made to Discover, they acknowledged that their representative told me this, yet refused to correct my credit report. Furthermore, it is impossible to monitor the status of my accounts because their website reflects payments in a convoluted manner and even when I have called, the representatives have not been able to explain how my payments were allocated.
01 XXXX XXXX XXXX Chase fail to submit my property to the Michigan XXXX Unclaimed Property Division XXXX under my name. The result is the the XXXX is unable ti identify the account they hold my property under or if they have it at all. As fiduciary it is J.P. Morgan Chase duty to ascertain my name is listed along side my property in XXXX website as Michigan law requires. The property is a result of investments called. The investments were registered to me but made through my ex-spouse XXXX XXXX account in the period of XXXX. They were called XX/XX/XXXX 
02. I would like for XXXX XXXX Chase to identify the XXXX account my property is being held under whereby I might file claim to such account. On the basis of deductive reasoning I judge XXXX account number XXXX having name as XXXX XXXX. I recently filed claim to such account. 
03. My name is XXXX XXXX XXXX XXXX plus my ex-spouse name is XXXX XXXX. My present day address is XXXX XXXX, XXXX, Michigan XXXX plus my telephone number is XXXX XXXX XXXX XXXX. My email address is XXXXXXXXXXXX.
Opened an account at u.s. Bank online not even a month after opening the account my card was compromised I freaked out and called as soon as I saw the authorizations pending the guy on the phone told me they were just authorizations and that they would fall off in three days they did n't fall off a few days later they posted to my account so I called again this time livid that I had been lied to but this was only the beginning of the lies the gentleman shut down my card I told him I would not be comfortable depositing anything into the account until the number was completely changed he said that would n't be a problem and so did numerous customer service reps I even have an email where one of these reps acknowledged she saw that in the notes exactly but I 'm getting ahead in the story so back to the second call I told him to turn off my overdraft before he transferred me to the fraud department me and the fraud department went through all the transactions I told him I had a car payment pending out and he assured me that my car payment would not be returned and it was first fee hits I call fraud they said " overdrafts are paid at the banks discression '' but they did promise any fees related to this at all would be refunded XXXX XXXX they apply provisional credit I removed all funds until account number can be changed except a small amount of money on the XXXX my auto financier put through the car payment again and I 'm charged a second fee I call and explain what I was told over and over again only to be told too bad they do n't care that I was n't comfortable putting my money in an account that was compromised or that they told me all fees would be waived if related I would say me not being comfortable putting a cent in an account that I do n't feel like is secure basically we do n't waive overdraft fees we are US BANK so I begin emailing customer service only to be told repeatedly that it 's my fault my issue not a US BANK issue I get conflicting information from every other email they send and then they tell me their entire management team has reviewed it and I have to pay these fees I told them to close my account so I would stop getting charged " extended overdraft fees '' they said they could n't until I paid the balance remember I opted out on the phone when I reported the card stolen initially. So these are n't even fees I agreed to by this point. This bank needs to be broken up you can find so many blogs of similar or worse issues the one constant thing is lying. Integrity is extremely important especially in a financial institution. Taking ownership of issues is another thing you ca n't do you boast 5 star service it 's more like 0 star service your people are rude and hateful you do n't do what you say you 're going to do you definetly should n't be trusted with anyone 's money.
There are hard credit checks on my report dating back to XXXX 2013 that i did not authorize.