WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained {$600.00} from First Virginia Loans in XXXX of XXXX. I have paid monthly and still the balance is {$480.00}. This is highway robbery at it 's finest. They continue to deduct my account on non pay days without any type of notice or warning causing overdraft fees leaving me without money to feed my children monthly right before pay day. They have received additional funds at time and I have paid on a monthly basis. In the beginning they had my paydays incorrect and were changing due dates most likely resulting in additional interest being charged due to their error. I am pretty sure the interest was not adjusted when they had my pay day date incorrect ( which determines your pay back dates ). They are robbing me and are not willing to assist with any settlement options. I need your help to seek settlement options with this company as they have taken over XXXX for a loan of XXXX when does it END!!! They continue to go into my account on different days each month and NOT on pay days. This company is fraud and are loan sharks. Please help. I need validation of the debt and need to see if they adjusted the account when they had my paydays incorrect early part of XXXX. Please I need to see if I can settle, a fair well really not fair but feasible settlement would not be more than XXXX as again they have received almost triple the amount borrowed. Please help me I do not know what to do!!!!
On XXXX XXXX, 2016, I wired {$420000.00} in my Ally Bank account. The Federal Reserve Receipt for this wire, XXXX, clearly dates receipt of the funds by Ally Bank as occurring on XXXX XXXX. I contacted Ally Bank by telephone at XXXX EDT XXXX XXXX and again at XXXX EDT requesting that the funds be booked into my account on XX/XX/XXXX to prevent the loss of one day 's interest on the funds. On both calls, I was told the Bank could not locate the funds despite having been given the Fed Reference Number. The funds were subsequently booked into my account XXXX XXXX, resulting in the loss of interest in the amount of {$11.00}. To date, Ally Bank has refused to credit my account for the day 's loss of interest, despite evidence that the Bank received the funds on XXXX XXXX. 
I filed a similar complaint against Ally Bank, Complaint # XXXX, for delaying by two days an Automated Clearing House transfer of {$150000.00} which occurred on XXXX XXXX, but was not booked into my account until XXXX XXXX, resulting in the loss of interest in the amount of approximately {$8.00} It is clear that Ally Bank is engaged in a pervasive scheme to defraud its ' customers by intentionally delaying booking the transfer of funds into its ' customers accounts in order to avoid having to pay interest on those funds. The savings to Ally Bank, and the loss to customers, is considerable given the number of fund transfers that occur over a long period of time.
Pioneer Recovery ( A Navient Co. ) employee, XXXX XXXX XXXX, called our neighbors this morning and left them a written massages with the collection case # s and info of our unpaid college plus loans we took out XX/XX/2000, asking them to hand the message over to us physically by my neighbors. 
So, what kind of harassment are they trying to humiliate us in our neighborhood? 
I 've visited Pioneer Recovery web site boasting as a leading provider of collection service with 13 yrs. of wealth of experience in non-tax government collections. Does this mean they are acting on behalf of our XXXX government? ... 
My husband just XXXX at the age of XXXX as a XXXX and I am a XXXX by training, still working as a self-employed XXXX with my husband 's help. We never had any vacations in our 38 yrs. of marriage life and continuously worked XXXX in XXXX market. 
Our home has been on the market in last 11 months and still have n't found a buyer. We 're trying hard to manage the situation with dignity on our part but our options are limited. 
What would Pioneer Recovery do next pursuing their collection attempt, are they going to contact our bank and take our house away? ... Thank you for letting us to write this complain, we do n't know where to turn to.
I am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.
Capital One has recently begun blocking customers ' access to their own data through third parties ( this being through the provider - XXXX ). This has prevented services I use from which rely on my data to discontinue functioning.
I have a collection of {$2000.00} showing on my credit report. This collection belong to a person with a different name ( although similar ) on it and has no SSN ( I have a SSN ). What I 've learned is that person is even of an opposite sex. I disputed twice for it on Equifax , waiting for almost 2 months but never get it resolved. It should be a simple issue but I was so disappointed about the result.
I reported to JCPenney/XXXX XXXX that I had fraud on my account causing a returned payment that was returned causing me to have a 30 day marker on all 3 of my credit reports that they did fix and then it reappeared also balance is incorrect Please see below : SYNCB/JCP Account Number XXXX Account Type Unknown Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated - Credit Limit {$3100.00} Past Due Amount - High Balance {$4000.00} Monthly Payment {$140.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
I submitted a public record investigation request to LexisNexis XX/XX/2018. I received a response more than 35 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA.
I am filling this complaint because transunion has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
Portfolio Recovery has been on my credit file for 10-20 years, maybe longer. I have no idea what they want besides stealing of ones identity for personal gain. Theyre fraudulent companies that keeps harassing years n years. They have copied previous mail resending items to me, stolen my priority emails, hacked n sent viruses to number of my cellphones as they ruined them. Using an dynamic dialing system harassing n committing insurance fraud, they have contacted with social security administration. Violating my records in file n my rights. Stole my identity online and offline. Changing my Department of Motor vehicle records to unknown addresses. Stealing my domestic mail, n bank cards & checks out of my mail boxes. Having others Harassing me day n night, in person n over internet. They call about student loans I dont owe, they say theyre government officials. They call acting as government officials, saying Im gon na be deported when Im USA citizen born n raise in California. Theyre coming around committing vandalism to my property n property I live at is ongoing. These people continue to cost me money, causing all kinds of horrible harassment.
My XXXX card that I have through SYNCHRONY BANK has been closed by the bank. 
On XX/XX/XXXX I made a payment of {$150.00} only to get a letter a few days later stating they had closed my account because of to many dishonored payments. I have had NSF 'S but I also know that when you have them that you pay for them through fees. 
I have fell into hardship. I had an accident was out of work, went back to work, then Hurricane Florence hit, and that put me back out of work. As of right now my account is caught up. I had no idea about the closure until I received a letter ... I then called Synchrony Bank and talked with 2 representatives and got no response except you can't have NSF 'S with us or we will close your account. They acted like they could careless about anything. Not profesdional and that is not acceptable I have paid the fees when that happens.
Describe what happened so we can understand the issue ... 
Summary : I am demanding that Experian remove XXXX XXXX account XXXX from my credit report. Instead Experian is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Experian is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Experian received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Experian has failed to take action or acknowledge receipt of the findings and judgment. Despite proper legal notification of the court finding that I am not responsible for this account Experian has not removed the account from my credit report. It is my understanding that consumer credit bureaus are obligated to respond to dispute requests. I am filing this complaint because I believe Experian is attempting to improperly avoiding it 's legal communication and reporting obligations.
CAINE & WEINER has submitted to the XXXX credit bureaus a collection account for XXXX that does n't belong to me. I have had XXXX communication with them and all of a sudden there appears this collection account. The account does not belong to XXXX it is fraud and needs to be removed. I have attached a police report and FTC affidavit. Please remove and cease collection
This bank took {$180.00} from my account for fees that I should have not been penalized for when the original account was supposed to be closed due to fraud. I agreed that I would pay the penalty of {$67.00}, but the bank only offered to give me {$92.00}. I think that this is unfair because they did not call or even send an email about the money was being removed from my account. Since the bank has done unfair practices to me I would like everything back except {$31.00} for a charge that came through after I was told the account was being closed. 
I would like the remainder of my money back which is {$65.00}.
In mid  XXXX   XXXX , I responded to the Bank of America 's {$300.00} cash bonus offer to open a new checking account with them. The offer requirement was to open a new checking account and make direct deposits totaling {$4000.00} or more within the first 90 days of opening the account. I opened the checking account on    XXXX   XXXX   XXXX   and satisfied the  requirement within 30 days ( direct deposit of pension payments from TIAA ). In lat e   XXXX   XXXX   XXXX   I ca lled BOA customer service to inquire about not seeing the posting of the {$300.00} bonus, the agent confirmed that I had met all the requirement and that he bonus was " in the processing stage. '' She advised me to be patient and check back in another 30 days. But after another month I still did n't receive the {$300.00}, so in early   XXXX   XXXX   XXXX     I called the BOA customer service again about it, and this time the agent told me the bonus is still " in processing. '' Once again she confirmed I have met all the requirements but she said the waiting period is 90 days after meeting the requirements. She assured me the bonus would be posted after  XXXX   XXXX  and told me to be patient for a little longer. But  XXXX   XXXX  passed and still i do n't see the bonus. I called the customer service on    XXXX   XXXX   XXXX   again , only this time i was told that my bonus was denied! They claimed that I have not made the direct deposit. I just ca n't believe this! After more than 4 months of assuring me that i have met all the requirements and that my bonus was on the way, now suddenly change the response?? And per their promotional term , 3rd par ty agent payments such as gov't and pension payments are part of the qualifying direct deposits. If they do n't mean what they say, what were they trying to do? Intentionally lying or false advertising to lure and deceive the consu mer?!
Caliber Home Loans offered a short-term, interest only modification and is refusing to break down the required up front cash contribution of {$2600.00}. This up front contribution is cost prohibitive for the borrower to accept the modification. Caliber is telling me they could change the contribution into a three-month trial period plan if the foreclosure sale, scheduled for XXXX XXXX, were postponed out 90 days. This is absurd. Caliber should offer an affordable trial period plan and if need be, they should postpone the sale 90 days to allow for the modification to be successful.
In 2006, I purchased a home in XXXX, California for XXXX. My down payment was XXXX. XXXX was the lender and unbeknownst to me, I was put in a negative amortization loan, also referred to as pick a payment loan. This loan caused my XXXX balance to increase to XXXX on an interest only loan. The loan has been resold several times and my current lender is not interested in voluntarily reducing my interest rate or refinancing my loan. My payments are current and I have never been late. I am a victim of predatory lending and would like some assistance or advice.
credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to   XXXX   this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith
On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since XXXX.
I recieved a letter stating the were going to file a civil law suit. That this was the last letter ( which is the only letter ) I have received. The said the debt came from the CREDITORS. That is it. I do not have a clue who the CREDITORS are. I do not want to get sued, but I do usually give someone XXXX and not know why. Can you tell me what I can do? MCOT XXXX, Tennessee
My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
Once again Arvest mortgage aka central mortgage once again has tried to downplay the seriousness of my formal complaint and its attempting to deflect the seriousness of their misconduct and playing games and deceiving the Federal Government. I filed a complaint please see attached documents with cfpb. They have lied to you saying that they do not have the proper documents and paperwork which is a lie. I filed a complaint on XX/XX/2015. Case number XXXX I called you and told me to fill out another complaint wich I have case number XXXX. Please understand that they broke into my home change locks damage my front door and had several personal things stolen by there company and affiliates. Imagen and if you could put your self in my shoes. Another Lie is that they say Central mortgage is not a bank but it 's own by Arvest Bank. So they tell me that they do not have to follow Banking Laws. The thing is that what XXXX did with a gun this company doing with a pen. I thank you in advance XXXX XXXX
Portfolio Recovery Associates , LLC ( PRA, LLC ) sent my household a collection notice under a name that is not mine. In addition, PRA, LLC is attempting to collect on a time-barred debt over 14 years old.
I have disputed this with Toyota Motor saying account XXXX is a fraudulent account. I was told to fill out a fraudulent package and send it back to them. I did that also. I call around XXXX XXXX 2016 and spoke to XXXX in the Fraud department. He told me that they investigated the information back in XXXX and they found that the item was not fraud. I told him how did they investigated the information back in XXXX and I just turned in all my information showing that my identify was stolen at the mid of XXXX 2016. They refuse to do their due diligence in investigating my claim.
I received a notification of an added to my credit report. This particular debt was paid off. Unfortunately because of the time I no longer have the electronic receipt showing it was paid. I called the company to come up with some type of solution to resolve it. My request was I wil be willing to pay {$100.00} of the {$300.00} as a pay for delete. They sent me a letter back stating I had to pay the full amount owed with a copy of the bill. Gratefully the bill showed that it was paid and I no longer have a balance.
have Wells Fargo as mortgage lender and applied and was approved for modification in 2014. I made XXXX payments since that are not listed on my credit report. This has caused me paying more interest or being denied for credit. I want these payments shown snd language stating dispute resolved modification removed off my credit report. This is causing me problems getting refinanced this wording.
In XXXX XXXX I contacted Capital One and it vised them I was unable to pay do to the fact that the Veterans Administration was unable to pay me for XX/XX/XXXX because they Could not get my money Direct Deposit into the Bank in the XXXX XXXX! I contact them several times and told them I would pay no problem and was told by a supervisor no problem they would work with me! Later that month it showed up has past due late payment on my credit report, I called back to Capital one was told they would correct it on XXXX XXXX XXXX and report it to the Credit bureaus. Later I called back she told me to wait for the next reporting date for it too show up on the credit reports as corrected. I called back today on XXXX XXXX XXXX and asked to talked to the executive team and was told I was unable to talk to them they transferred me to other Supervisor and she told me That it was not corrected in the System and it would be corrected? but was Disconnected I called back they connected me To the Military Dispute team I talked to XXXX and he stated it was in the System that it would not be corrected! I am a XXXX Veteran living in the XXXX XXXX Your more then Welcome to Call XXXX XXXX, XXXX XXXX that is the only one that does XXXX Direct Deposits with the Veterans Affairs She can Verify that she tried 4 times XX/XX/XXXX to Send the Deposit to my bank and failed. I just ask that Capital one to see the facts and reverse there decision on correcting this to all XXXX credit bureaus.
I have sent 4 letters on XX/XX/2018,XX/XX/2018, XX/XX/292018, XX/XX/2018 all certified mail. 
According to the Fair Credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified  accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Verify or remove accounts listed. Thank you for your prompt assistance in this matter.
! I 'm a XXXX XXXX XXXX home owner..I got my year end statement of escrow..its overage is XXXX. I asked for full refund! They will only credit my account XXXX\month for one year $ ( XXXX ) keep the {$700.00}??? Can I get my overage refunded? I need me money back.. 
I have written several requests for my refund. I am being denied even tho they admitted to this issue..and choose not to refund my overage. I am very frustrated as they told me my mortgage will be in foreclosure if I refuse to pay since I 'm in overage ... I was just going to apply that overage credit it to my monthly payments until it 's absorbed.. 
They refuse to do either ... I need my refund escrow overage. They are trying to keep it..control it ..and refuse a refund.
My loan was transferred to UHEAA from XXXX. The monthly payment increased from XXXX to XXXX, they are unwilling provide an explanation for this increased.
XXXX REFUSES TO VALIDATE AND REMOVE AN INCORRECT REPORTING BY XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX , MD. XXXX.