WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under XXXX but the very first billing statement from XXXX XXXX stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over XXXX dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with XXXX  making the process very difficult. The account was finally closed in XX/XX/XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist.  This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?
Received 1 phone call on Thursday from debt collector for a 60 day past due debt. Called back the next day Friday and offered to pay in full the balance due + reasonable collection fee Debt collector said he was not reducing the collection fee of {$660.00} for 1 phone call attempt. Will not reduce fee or explain how it calculates to {$660.00} {$2400.00} Statement {$660.00} Collection Fees {$3100.00} Total Due
Dear Sir/Madame, And thank you in advance for your courtesies and assistance. In applying for a student loan I noted that from one moment to the next I was denied. My initial application stated that I needed a co-signer, and in the interim of providing that information, I was notified that a loan was not possible. As this bank just provided a loan for last semester, I was rather flummoxed as to why I can not obtain a loan, especially with the very same co-signer, who has a slew of accounts at the bank, most of them holding the maximum insurable by the government. 
Upon further investigation, I noted that my credit report included NONE of my employment history! NONE! How could this have been possible? They have page after page of other information, but a VITAL piece of information such as employment is rather difficult to fathom. I have been working steadily and consistently since 2008, full time. And there is not one mention of any employment whatsoever. It pains me to realize how error-ridden this report is, and how long it has been going on. I never checked my credit report, and that is my fault. But to have such an erroneous notation! NO EMPLOYMENT HISTORY. Only a slow and focused review will illuminate the many errors lurking beneath. I hope to amend this complaint whence such a review can take place. I am forwarding this as quickly as possible, in essence of time, and to get the issue resolved. 
I thank you immensely for your time, your courtesies and your assistance, and I look forward to hearing from you once you have had time to investigate this matter further. I bid you a good week, and more importantly, lovely evenings when you arrive home. Thank you again.
If XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX are truly mine then explain this written communication from XXXX. I think Equifax has been caught lying. 

In order to verify the accuracy and completeness of the item ( s ), we have contacted the source of the information and provided them with any additional relevant data as it relates to your complaint. In response to the investigation, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX were deleted from your XXXX credit report .
XXXX and Experian are reporting an account that obsolete. The account has been on my credit report since XX/XX/2005. It is reporting closed but yet there is incorrect payment history as well as the account is obsolete. I have reached out to XXXX XXXX and informed by a customer care rep to dispute with the two bureaus but yet the account has not been deleted. The XXXX XXXX account number is XXXX.
My savings account was involuntarily closed after the financial institution claimed that my overdraft protection exceeded the XXXX per month - preapproved transfers for a period of 12 months. In order to avoid any returned checks or transactions, I was prohibited from making any transfers of my own. This allegation that I exceed the XXXX transaction per month is the furthest from the truth and has caused me financial hardships of authorized e-checks being returned, my account being charge overdraft fees, and thus my checking account going into the negative. The intent of the overdraft protection is to avoid overdraft fees in the amount of {$36.00}, by having any debits that exceed the checking account balance to be extracted from the savings account. I was unaware of any limits per month - not to mention, I have not exceeded the checking account balance more than XXXX times out of a 12 month period. Closing the savings account has cause even more inconvenience as I have a {$500.00} direct deposit going into this account on a bi-weekly basis and will have to re-channel this EFT, in addition, I will need to go into the bank and withdraw the monies into the savings as the account is no longer valid. Much of the confusion stems from the manner in which the financial institution process its transactions, debits/credits/bill pay, etc.
I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX
XXXX & Experian is reporting inaccurate Information from XXXX, XXXX XXXX. This company is not registered or licensed to collect debt in the amount of {$2700.00} in my state of Massachusetts.
Round Point Mortgage administration and Law firm reported my VA Loan of around {$240000.00} as owed debt to Veterans Administration and damaging my VA Eligibility entitlement. 
On XX/XX/XXXX my former Texas Attorneys XXXX XXXX and XXXX XXXX supported me on my file bankruptcy chapter XXXX and filed at XXXX, Texas in Federal Court. 
On XX/XX/XXXX Federal Judge Discharged Bankruptcy XXXX in which XXXX XXXX XXXX was was servicing my VA Loan.number XXXX. 
On XX/XX/XXXX my VA Loan was sold or transferred to Round Point Mortgage all evidence of bankruptcy chapter XXXX was emailed to Round Point and VA administration. 

Why is VA Administration gave me a recent certificate of eligibility by email with a debt of {$240000.00} and adding Foreclosure, or deed on my VA Certificate of Eligibility? 

In due of respect to VA Administration and Round Point Mortgage is VA adopting Round Point Mortgage debt of {$240000.00} to get the CORRUPTED, FRAUD VA Loan compensation of guarantee fundings? 

I am XXXX and Retired and XXXX XXXX Honorable Miltary Veteran. 
I am been Discriminated and Retaliated by Round Point Mortgage and VA Administration because I am XXXX and XXXX XXXX XXXX. 

Very Urgent Matters
I had a short sale on a mortgage in XX/XX/XXXX and my mortgage company is reporting to the credit bureaus that I am currently late on a mortgage to XXXX. They reported false information in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX There should be no changes reported since the date the mortgage settled in XXXX. It was reported as currently late again to XXXX in XX/XX/XXXX. Any lates should be removed, this was settled in XX/XX/XXXX per the attached. Stonegate acknowledged their error in the attached letter, yet I cant seem to get resolution.
I started a refinance with Wells Fargo in XX/XX/XXXX. Everything was going good I was told in writing ( email ) that I was locked in a XXXX % for my interest rate. Long story short, week after week of checking in and making sure the refi was on track, I get a letter in the mail ( XX/XX/XXXX ) stating that my interest rate is XXXX % and my monthly payment is way more then what was discussed. I exhaust my resources with the local branch and turned to the National escalation team. Even the fact that I have it written that I was locked in at XXXX Wells Fargo is now telling me the best they can do is XXXX %. I talked it over with my local branch and they tell me with the rate at XXXX my payment would be XXXX, I was ok with that but XXXX min later I get an email saying that is not the case. So I call and now they say my payment will be XXXX. At this time XXXX XX/XX/2016 no one will return my phone calls. No one seems to be able to help me get the answers I need. There has been a lot of bait and switch with numbers and I feel like I do n't know which direction to go.
My wife XXXX XXXX has been dealing with Loan2Learn for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
Per the letter I received from XXXX if I didn't pay my final bill they would automatically withdraw {$600.00} out of my account. They withdrew {$600.00} on XX/XX/2018 from my credit card. I am disputing the posting of the collection account on my credit report by XXXX XXXX. I would like for them to remove this account from my credit report due to the fact they had no legal reason to report the debt nor did they own the debit and the debt was paid to the original creditor ( XXXX ).
A former servicer failed to respond to a timely Request for Information and Notice of Error concerning improper handling of a modification application and transfer. 
On XXXX XXXX, XXXX, Roundpoint Mortgage Servicing Corp. received the borrower 's RFI and NOE according to USPS tracking of the certified mailing. An acknowledgement notice was sent by Roundpoint on XXXX XXXX, XXXX indicating receipt of the RFI/NOE on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Roundpoint issued an extension notice until XXXX XXXX, XXXX for its response. ( While the XXXX XXXX notice was in the mail, the borrowers sent a NOE on XXXX XXXX complaining about the failure to reply to the RFI/NOE. ) No response to the original RFI/NOE has been received and it is 8 days after the XXXX XXXX deadline. No response to the XXXX XXXX XXXX has been received. 
The original RFI seeks a copy of the loan transfer schedule that Roundpoint made when it transfered servicing of the loan in XXXX XXXX to XXXX XXXX XXXX. The RFI also requests other documents relating to the transfer of the borrowers ' loan. 
The original NOE concerns the possible failure of Roundpoint to list the borrowers ' loan as a HAMP eligible loan at the time of transfer. The borrowers had submitted a HAMP modification application to Roundpoint prior to the transfer and had not received notice of eligibility or ineligibility for HAMP. The NOE requested that Roundpoint correct for this error by amending the loan transfer schedule to list the borrowers ' loan as a HAMP eligible loan. 
Prior to the RFI/NOE, the borrowers had made a request to XXXX XXXX for a HAMP Modification, but XXXX denied the request because the loan was not listed as HAMP eligible at transfer and XXXX is not a HAMP participant. The borrowers desire a HAMP modification to preserve homeownership for a property that they have lived in with their family for 31 years.
in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX XXXX XXXX # XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I  contacted the original creditor which was XXXX XXXX XXXX, I sent Total Card a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to XXXX XXXX, XXXX on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to XXXX XXXX on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to XXXX XXXX on AXX/XX/XXXX. I sent XXXX XXXX a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is XXXX XXXX XXXX. I have enclosed a copy of the certified letter that was sent to XXXX XXXX XXXX on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now XXXX XXXX. They received the letter on XX/XX/XXXX ... Well today is XX/XX/XXXX and XXXX XXXX has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... XXXX XXXX needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. XXXX had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap
I bought an air condition from XXXX XXXX 2 years ago by their credit card controlledby synchrony bank finance and then the bank added the interest of {$830.00} for abalance of {$490.00} without any alerts or warnings also I been XXXX that timeI have an approve for that, so I tried to call the bank too many times to pay the balance and waive the interest but they refuse and take my phone number to call me backbut never happen
XXXX XXXX XXXX d/b/a XXXX in XXXX, Texas. I was told by XXXX XXXX the account representative that I should be careful about mileage because " this is a lease and anything over 20,000 miles per year would cost me {$15.00} per mile ''. It even said so in the paper work so I acknowledged that I understood. She mentioned to me that if I wanted to get out of the lease early, all I would have to do is pay {$490.00} early termination fee and turn in the car. OK. I saw that in the contract. No problem.

Fast forward to today. I do a LOT of driving and I was getting close to the 20,000 mile per year limit. So now its time to BUY a car which I can drive freely instead of LEASING a car and having to worry about mileage. 

I went to another car dealer to see about purchasing a car and the dealer called XXXX XXXX of XXXX XXXX XXXX d/b/a XXXX to confirm it would cost me {$490.00} to end the lease. She told them no, it would cost me a whopping {$1900.00} to get out of the lease, even though the lease agreement clearly stated {$490.00} to end the lease and return the car. 

XXXX XXXX XXXX d/b/a XXXX told me something entirely different when I chose to exercise my contractual right to END THE LEASE. XXXX XXXX told me that she is charging me XXXX cents per mile for the miles I have driven on the car since I leased it. 

THAT IS NOWHERE IN THE CONTRACT. There is no mention of a XXXX cent per mile charge. She said she is " being nice '' by charging me these extra fees of {$1900.00} instead of the {$490.00} stated in the contract. 

XXXX XXXX XXXX d/b/a XXXX is in violation of the Fair Debt Collection Practices Act. Their written contract states {$490.00} to end the auto lease and the company representative creates a new story and thousands of dollars in additional fees when I decided to exercise my contractual right to end the lease.
My family has been a customer of Bank of America since XXXX. Even though from XXXX my family moved to XXXX states, I always keep my account and a deposit box with BoA. In XXXX fall, my family moved to XXXX, I transferred my deposit box at a branch of BoA. I 'm writing this letter because I loss a big amount money at this BOA branch. I have reported and provided all details of my experience to Bank of America for their investigation. However, no one reposed to me. I have to write a letter to XXXX XXXX ( President, CEO ) in XXXX XXXX. Then I received a letter from XXXX XXXX ( Customer Advocate, Office of the Chairman and CEO ) on XXXX XXXX, XXXX. In this letter, it said that " please allow a minimum of 45 days for a complete investigation to take place. You will be notified by mail of the decision. '' At the meantime, a lady called me and told me the same point of view. Nowadays, Time has passed 200 days, and I have not got respond from BoA. Therefore, I have to complain this accident to you. 

Incidence : On XXXX XXXX, XXXX morning about XXXX : XXXX, I went to open my safe deposit at Bank of America XXXX VA XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, XXXX. I found that an envelope retaining {$10000.00} in cash that was supposed to be in the safe deposit box was missing. Last time I checked the safe deposits box this branch ; the cash was still in the box then. The register card showed that none of the signers or owners has accessed the safe deposit box.
I have many inquiries on my credit report from Transunion, XXXX and XXXX. I already submitted a dispute with XXXX. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my report.
I am part of the Equifax data hack. I have tried to call and put fraud alerts on my accounts, I was then directed to a website and that would be fine, except the websites are not working due to high volumes. I tried at all 3 of the credit bureaus. 

I also tried to freeze my credit with Equifax and was directed to the online page, only to be told I have to handle it by mail or the page was n't working at all. I am very frustrated that I am left to deal with a mistake that was made by Equifax and ca n't get anyone to help me put a process in place to protect myself. It is not possible to get through to anyone at Equifax who can actually help you with any of these additional measures. I would like Equifax to pay to put a freeze on my credit for the next year, so I can try and keep my identity safe. 

As a consumer, I understand accidents happen, but I also expect a company to do everything in their power to correct it ... ..I do n't feel any of the individual victims have been given the kind of customer service we deserve and I do n't feel we should have to pay additional money for an Equifax mistake .
NEVER RECEIVED MY CHECK REFERENCE ID XXXX CHECK NO. XXXX AMOUNT {$550.00} FROM : ALLY AUTO FINANCE SETTLEMENT
I traded in a car I had financed through XXXX XXXX and the companyI traded it at paid off the loan. I now have a 30 day late on my credit. 
I have contacted XXXX XXXX and they suggested I get an attorney. 
I have copies of the checks showing when they were mailed and DTheld the checks for XXXX days before depositing them afterXXXX XXXX contacted and asked why they have deposited thepay off check
On XXXX XXXX I have contacted Experian about several fraudulent accounts being reported on my consumer report Experian failed to block the accounts despite my police report and fraud victim identity theft affidavit. A list of the fraudulent account Experian failed to block is mentioned below, 1 ) XXXX Mortgage 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX
On XXXX XXXX, XXXX, I requested Equifax to dispute the following unauthorized Inquiries on my credit report and was told to contact them directly! But it 's the credit bureau job to investigate my claim and they refused. 

The following companies made unauthorized Inquiries on my credit flies. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
For the month of XXXX I was behind on my mortgage to XXXX and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XXXX XXXX XXXX, I submitted my payment in the amount of {$2500.00} XXXX late fees included ) to XXXX, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing XXXX to initiate the transaction soon after. 
Today XXXX/XXXX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never taken out. I immediately contacted XXXX customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XXXX XXXX XXXX. I still have yet to receive that letter.