WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is with Gamache and Myers. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XX/XX/XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XX/XX/XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.
my mortgage company stop taking my payments them filed foreclosure before the 6 month period Ohio says that mortgage banks have to wait for you to be behind
I have been hit with almost {$200.00} in overdraft fees f rom BB &amp; T. I payed s ome bills the day before my direct deposit from my employer was deposited only after checking to see if I had any pending deductions. I had no pending deductions showing on my account so I figured with my direct deposit being deposited in a few hours I 'd be safe but when I checked my account the following morning I had been hit with numerous overdraft fees, I called the bank and they said they do n't post all pending deductions daily so that 's why I was charged and there 's nothing they can do because I had  XXXX  overdraft in  XXXX  of    2016 and  they only refund  XXXX  every 24 months.I ca n't afford to pay {$200.00} in overdraft fees when I only make {$300.00} a week, is there anything I can do?
In XX/XX/XXXX, I made a call to Loancare to make my mortgage payment. I asked the rep to help me sign up for autodraft, so I could more conveniently make payments. She did so. I told her the XX/XX/XXXX of every month. My mortgage is up to date, and my payments are around 660. So I was pretty shocked to see my bank statement come up as Loancare debiting my account on XX/XX/XXXX for XXXX, which is a lot more than my mortgage payment. Immediately I called them up. They said there was no history of any payment for XXXX. I told them my bank statement said otherwise. I sent the bank statement in to the payment department and received confirmation they received it. I also obtained the ACH transaction details from that draft and sent that in too. Within 48 hours, they emailed to say my issue was resolved. When I called them, they claimed I had actually sent in two separate payments, one for the amount and then extra. I told them I most certainly did not and I dont have the kind of cash to be doing that. The call was dropped, no one called me back. So I called again. This woman told me that the extra money had been applied to the principal, paying me up until XXXX. I told her thats not what I asked for, I wanted my money back, and she said she would forward it over to a supervisor for a call back. I never got one, so I called again. Yet another rep told me my check was in the mail. I thought this whole nightmare was over, and then I got an email saying my running bank statement was not enough proof that the XXXX had cleared my account, only that it had been attempted. So I went to my bank again, and I resent my bank statement, the transaction details, a letter from my bank stating that the payment had cleared the account and affected my balance with a phone number and an invite to call them with questions, as well as a screenshot of transactions showing the payment successfully being debited from my account and a positive balance after. And still I have no refund. Ive asked them never to autodraft my account again, because they claim there was no autodraft yet they went in and took a random amount out of my checking account somehow. Im in fear for what they will take out next month ans whether I will see any of my hard earned money again. I have had to spend at least four hours during work time, postpone important vehicle repairs, and undergo serious stress due to this. Whatever evidence I show this company that I made this substantial payment, they deny it and ask for more evidence.
Capital One locked my 360 Accounts randomly after i filed only a few disputes. After further review they unlocked my account to let one direct deposit into the account, and would not release my direct deposit. <P/>I was never warned the accounts would be closing, and i had my accounts fraudulently charged by XXXX XXXX for thousands of dollars, I disputed these charges and instead Capital one Reversed these and overdrew the account after locking the accounts. Then Sent my accounts to XXXX as a bad customer. Thus not allowing me to open accounts with any other bank, This is false information.
USB Customer XXXX XXXX XXXX ( USB Acct # ending XXXX ), noticed an unauthorized withdrawal made on XX/XX/XXXX at the US Bank XXXX XXXX XXXX ATM XXXX at XXXX in the amount of {$400.00}. Given the recent establishment of this account, Her age of almost 80 years, her aged health, her previous withdraw history/pattern on this account, and the excessive amount withdrawn at one-time, we took immediate action to file a claim with USB branch for fraud. 
On XX/XX/XXXX, after consulting with USB Rep, XXXX XXXX XXXX NML # XXXX, it was determined that the XXXX XXXX XXXX file a " Report of Alleged Fraudulent Activity '' and submit a " Declaration of Unauthorized ATM/Debit Card Statement '' submitted under Fraud Claim No. XXXX and to also have a new debit card and PIN issued. 
However, on XX/XX/XXXX to our dismay/surprise, we were informed that her claim was denied due to conflicting documentation to support the unauthorized transaction. 
On XX/XX/XXXX as per Ref ID # XXXX, WE exercised our right to request the documentation USB relied upon to make their determination and requested further video/pictures of XXXX XXXX XXXX withdrawing the unusual amount of {$400.00}. 
To date, we have not been provided with any substantiated documentation, videos, pictures of her making the withdrawal, or follow-up to our reference inquiry. The {$400.00} previously redeposited after the claim was filed has been subsequently expunged from her account and the funds have not been redeposited into her account. 
We have made several verbal request via cust. service at XXXX over the last 60 days for further follow-up but to no avail. For an Senior Citizen on a fixed  income, this is a huge financial burden to bare. 
We are requesting that the CFPB engage USB on our behalf and request tangible documentation and/or video that substantiates their claim not to redeposit the unauthorized funds of {$400.00} into the account of XXXX XXXX XXXX. Thank-you. 

XXXX XXXX, Son of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
I have a loan with Vanderbilt and have used your government HUD company and housing counselor. They were not able to budge Vanderbilt mortgage on anything. Vanderbilt says they are an independent mortgage company and can do as they please and not have to abide by the new government laws. My interest rate is 10.78 % I am drowning so I am being forced in XXXX bk. And Vanderbilt is still fighting that by not agreeing to payment plans and just making me miserable and literally sick over this situation.
Equifax is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my Equifax credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both Equifax and XXXX XXXX with no results.
I get emails few times from them saying will take me court or arrest me and go jail. They threatened me on emails. Im XXXX.
Was contacted many times at my work number. I deal directly with the public and always have a client or fellow associate near by. Told XXXX  every time she called please do n't contact me at my work number, but she continues to do so. Last time she contacted me at my work number I was in a meeting with my supervisor and our regional supervisor. I had to explain to them that it was a personal call and what it was pertaining to. I then was pulled aside and given a verbal warning from my supervisor about receiving personal calls at work. These calls are threatening my employment and need to stop. XXXX uses scare tactics when she contacts my husband, she will tell my husband if we do n't call her or make our payment she will be forced to call XXXX at work knowing she 'll get a response.
My  XXXX  credit bureau was pulled by  XXXX / XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Speedy Cash has an entry on my credit report as applying for a title loan. I have never applied for a personal title loan from this company. This error is causing problems with my credit report.
Have been paying on this loan for several years with little to no effect on balance, often pay extra. Bills do not come in regularly and when they do arrive the amount due is different. Have tried many times to contact this lender, as to let my wife be able to handle questions in my absence, to no availe. Furthermore, have been told that this is a federal loan and also that it is n't.
Yes I sent out a letter stating want verification if the debt. On the right amount. I'm willing too offer then a settlement. I'm on XXXX in XXXX. Going thru hardship right now with bills. Again I'll settle. But for less owed. Again I'm on XXXX.w willing too work with them
Complaint  ID  XXXX .   LVNV FUNDING LLC did n't provide any document with my signature.   This purchase was a case of identity theft.   Where was the merchandize sent to?   Where is the signature of the receipt?
I contacted Equifax in XX/XX/XXXX requesting that since the following two addresses, listed by Equifax, as former addresses are locations where I have never lived, they should be removed from my credit report. I had become aware of the errors because I failed identity verification with financial institutions who relied on the incorrect information : XXXX XXXX XXXX, XXXX XXXX, IA XXXX and XXXX XXXX, XXXX XXXX, IA XXXX. 

On XX/XX/XXXX, Equifax responded saying they had reviewed the disputed addresses and deleted them. Imagine my surprise in XX/XX/XXXX, when I again was asked about one of the addresses as part of a identity verification on my brokerage account. I failed the identity verification and my account was frozen and I was unable to pay from that account a bill that was due. 

I checked today and the erroneous information is still in the record. I also noticed on the same page that my current employer listing is 31 years out-of-date. 

See attached XX/XX/XXXX response from Equifax stating the incorrect addresses would be removed. See attached XX/XX/XXXX report page with the addresses still in the report.
I received a notification on XX/XX/XXXX, that 75 points were deducted from my credit score because of a debt through Ally Financial that wasn't paid. However, I never received a notification through the mail that I owed anything. My address that they had on file was an old address. I spoke to Ally Financial on XX/XX/XXXX and had them update my old address to my new address on my account, but they must not have saved the address, as the bill was sent to my old address. I never received notification that I owed any debt, as they did not update my address. The mail that was sent was sent back to the collection agency, and no one notified me.
The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " XXXX has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. XXXX has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and XXXX comes to the same final conclusion and outcome as did XXXX.
the account was paid in full XXXX to collection agency. The account is still stating that it is past due/unpaid on my credit report. I called the collection agency about the situation and they are very rude and disrespectful to clients. I requested for a paid in full letter and a request to update my credit report.
Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX : XXXX/XXXX/16
I like to inform you that the judgement that is on my credit report should be removed it has expired. The court system is with drew the entire judgement out of their system. Therefore this can not be collected. In this case this judgement should be removed within the next 30 days.
I signed up with Ameritech in XXXX of 2016, after receiving a letter in the mail. They told me for a fee they would enroll me in a payment plan based on my income for my federal loans. After ten years of being in the program they said all my federal loan debt would be forgiven and forgotten. I signed up for the program paying {$250.00} dollars for 6 months. After that it would be {$99.00} a month based on my income.

I remained in the program until a received a letter from the Federal Trade Commission saying Ameritech was lying and deceiving their customers. I called Ameritech to ask for a refund of my money. I was told by the person in customer service that the allegations against them were not true and they had already filed two lawsuits against the Federal Trade Commission. I told them I did not care and just wanted my money back. I was told at that time no refunds were going to be given back until after the court hearing.

I'm at a stand still right now with the whole process. I just want my money back so I can try to rebound in life and financially.
My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. Can you please check to see if any personal or business accounts are open are open under my social security number. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My initial contact was by Phone to XXXX   XX/XX/XXXX to investigate inaccurate information. TransUnion sent to me documentation on XX/XX/XXXX of their finding that has been confirmaed as inaccaurate or incomplete public record information based on the following additional records details obtained from Georgia, XXXX County Magistrate Court Civil Case Inquiry website ''. But to this day XX/XX/XXXX TransUnion continue to report false information. I was not a renter, my husband own the house and it was later given to me through divorce court. I was the owner not a renter. Court documentation of my divorce decree proves this and the fact that the court documents state that it was consent of the agreement between XXXX XXXX attorney to allow me time to move out after the company purchase my home in foreclosure sale and the Judge set the date for XX/XX/XXXX and I gave them the keys but the company refuse to stop reporting this case information as an eviction.
I am a cosigner for my daughter 's student loan, she went to XXXX state university in XXXX Minnesota. The loan I 'm having trouble with is from XXXX XXXX now navient. She is in repayment now. I 'm trying to help her because the job she has now wo n't cover her loan payments along with living expenses. I 've tried asking them what type of loan I cosigner for and they lied to me and told me it was a government loan. Found out last week that it was a parent plus loan. I guess I do n't know who to believe because I get a different answer every time I talk to someone. They are rude and mean and I 'm tired of it. They 're bullying tactics are unbelievable. I asked to have my original loan papers sent multiple times and have never received them. I just need help I 'm so frustrated. Help!!!!
My IRS Tax refund in the amount of # XXXX Was deposited into a US Bank Checking Account # XXXX that does not belong to me. I learned of this through the trace that the Department of Treasury placed. I personally contacted US Bank XXXX XXXX and was informed by XXXX XXXX, Manager that the account number does not match my name or social security number. He added that the deposit is considered a third party check and can only be accepted by the approval of a supervisor since it is a liability. I have been trying to resolve this issue with US Bank and have been unsuccessful.
There is a equity loan with Chase bank on my house. It is a 2nd mortgage that is only in my ex-husbands name. I was awarded the property in the divorce and he quit claimed his interest to me. I am the sole owner of the property. The loan went past due and all communications and written notices were redirected to my ex husband. Chase foreclosed and a sheriff sale is scheduled.

I work for a XXXX  and contacted our Director of Collections. He made me aware of my rights as the Successor in Interest. When I called and told Chase that I could easily prove my Successor interest, they clearly had no idea how to handle the situation, even after I provided the divorce decree and quit claim deed. One representative said that my ex husband had to be dead. Based on the recent regulation that went into affect XX/XX/2018, it is my understanding that my divorce situation qualifies me as the Successor. All I want is for someone at chase to provide me basic loan info so I can pay this debt and avoid foreclosure. I have been rotting on hold and have been passed around to people who clearly are not properly trained.
We are in the final stages of a 30 year fixed rate conventional mortgage underwriting final approval with Bank of America ( BofA ) for a home purchase. At origination on Mon, XXXX XXXX, 2016, we were given the option of whether or not to escrow property taxes and homeowner 's insurance as part of the application process. When we asked mortgage loan officer XXXX XXXX XXXX ( NMLS ID : XXXX ), " Does it matter? '' XXXX XXXX replied, " No, it can be done either way and you can always change your mind later. '' When we shared that on the current BofA mortgage for the home we would sell only real estate taxes were escrowed, XXXX XXXX stated, " Ok, I 'll just go ahead and set it up now for XXXX and we can revisit it later. '' Today, obviously later, concurrent with requesting the " binder '' for submitting to XXXX BofA and our attorney, we decided we did not want to escrow homeowner 's insurance and as such informed XXXX XXXX via e-mail. He replied via e-mail, " Please be advised that your change in escrows will results in additional points to your loan. Please confirm you still would like to do that. '' To which I replied via e-mail that I had read and re-read all of the forms and disclosures and could n't find any reference to said increase and asked where it was written and how much the additional points were. XXXX XXXX then replied, " It is not written but it was change pricing by XXXX points '' ( please note the quotes are cut and pasted directly from XXXX XXXX 's e-mails and not edited by me ) In a subsequent exchange of several e-mails I requested that given that increase was nevere disclosed it should be waived and requested such, XXXX XXXX wrote via e-mail, " The XXXX points will not be waived and we will proceed with the loan as currently configured ''
Credit bureau is reporting unverified accounts on my credit report in violation of FCRA sec 609.
I had a SYNCB/XXXX XXXX XXXX that was solicited to me while checking out at XXXX XXXX one day. For a long time I was able to maintain an excellent payment status with them for many years. Then my son was diagnosed with a XXXX XXXX and I had to pay copays and deductibles for his healthcare, and medications. My Husband suffered a XXXX XXXX, and then my son developed XXXX During this time my payments became sporadic and due to the added fees and penalty 's I could never get caught up. I called and tried to work out something with SYNC and was told until I paid the current balance due they penalties would continue to be applied. As you can imagine once your behind so far there is no way to catch up with the additional fees and penalties. 
I eventually opted to close the account and go on a payment plan of {$73.00} per month. During the next few years I made payments from XXXX to XXXX per month in an effort to pay the account off as quickly as possible and try to repair my credit. During that time I missed no payments and was able to pay the balance in full XXXX of XXXX. I have just pulled my credit report and called XXXX and SYNCB and requested that they do anything they can to remove this derogatory remark from my credit report and they have advised me that it is there until XXXX. This is very disheartening as I worked very hard to correct my mistake and I kept my end of the bargain. Can you advise me of any way that this negative report could be removed. I just really want to improve my credit score and not feel as though I am being held prisoner by this negative report. Much like a prisoner who has served time I feel like I have repaid my debt to society and would very much like to not feel like this is over my head. The account in question is XXXX XXXX XXXX XXXX. 

I recently purchased a newer car and they ran my credit for financing. I now have 3 hard inquiries that will bring my score even lower for 25 months. I really find it unfair that just an inquiry to find a finance company can have such a negative impact on my score. I did not choose these companies nor was I really aware that it would be run multiple time. It seems that this penalty should be eliminated from all credit reports as a derogatory mark against someone looking to better their current situation.