WillisBack/dataset-financial-user-claim huggingface dataset:
We sent a dispute letter on XXXX XXXX, XXXX questioning the SOL of a judgement from XXXX XXXX and how they got a judgement without proof of a debt. XXXX XXXX they filed to renew the time barred judgement and on XXXX XXXX they attached my husband 's bank acct. and withdrew {$610.00}. We have numerous reasons to vacate the judgement in the first place and of AAA Collections in XXXX XXXX, SD violating the FDCPA.
XXXX XXXX XXXX continues to hire collection agencies to hound me for a bill that I have already paid. I have sent proof of these paid bills to XXXX but they refuse to accept it. 
I explained to the XXXX XXXX collection agencies, from 2012, what was happening and I have n't heard any more from them. The XXXX Collection agency sent me a letter last week asking for payment. 
I would like to settle this so that they hounding me.
My loan account was transferred to another mortgage company in XXXX XXXX. I have been on a bi-weekly payment plan with my previous mortgage company since XXXX XXXX. I paid an extra month a year towards my principal through the bi-weekly plan for about 10 years. I made XXXX payments in two of the months during those years, which are XXXX bank drafts per year. This should have reduced my loan payoff date, ( maturity date ) from XXXX XXXX. I have occasionally checked with Citi-mortgage in regards to my loan payoff date. I was always told that it was XXXX XXXX because of my enrollment in the bi-weekly advantaged plan. When my loan was transfer to Carrington Mortgage, it was written on my statements that my maturity date is XXXX XXXX. My issues are with all the money that was applied to my principal since XXXX and adjustments made to the amount of interest that has been amortized. I also understood that the extra one-month payment a year would also reduce my interest that further reduces the loan payoff date, ( maturity date ). I have expressed concerns to the new mortgage holder regarding the loan payoff date, ( maturity date ) because of the way it is stated now I will be paying them more money than is actually owed. They are telling me that even though I am paying every XXXX rather than XXXX, it would not affect my maturity date. People enroll in these types of plans to reduce the time it takes to pay off their mortgage loans. During the transfer process, I received letters from both mortgage companies stating that nothing will change about my loan terms or conditions. That statement appears to be false. I feel I am about to be swindled out of a lot of money without a true loan payoff date, ( maturity date ) bases on accurate financial calculations of my bi-weekly plan payments since XXXX XXXX. I feel the new mortgage holders of my loan account should not have purchased my loan if they did not agree with the existing terms and conditions of the bi-weekly payment plan from the previous mortgage holder.
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER DITECH. I FAXED ALL DOCUMENTS TO THEM ON  XXXX / XXXX /   17  AND CONFIRMED THAT THEY HAVE A COMPLETE PACKAGE AND THE FILE WENT TO THE UNDERWRITING DEPARTMENT ON  XXXX / XXXX / 17  WITH A 30 DAY TURN AROUND TIME FOR A DECISION. I HAVE A   XXXX   XXXX   LOAN SO LOOKING UP THE GUIDELINES FOR ASSISTANCE WAS PRETTY EASY AND AS WELL AS LOOKING AT THE GUIDELINES ON WHAT TO EXPECT ON THE CFPB WEBSITE TO ENSURE I AM NOT TAKEN ADVANTAGE OF. I CALL WEEKLY, EVERY  5 B USINESS DAYS AND EVERY TIME THEY STATE THE FILE IS IN REVIEW AS OF  XXXX / XXXX / 17  WITH NO DOCUMENTS NEEDED. WE ARE NOW ON  XXXX / XXXX /   17  OVER 3 MONTHS IN THE UNDERWRITING DEPARTMENT, WHEN I QUESTION  A DITECH RE PRESENTATIVE ABOUT THE LENGTH THEY GIVE ATTITUDE AS IF I AM BOTHERING THEM AND STATE SORRY YOU FEEL THAT ITS TAKING A LONG TIME AND THEN END THE CALL. I CANT GET ANYWHERE WITH THIS SERVICER AS THEY ARE RUDE AND DONT CARE ABOUT THE BORROWERS OF THE INVESTORS THEY ARE SERVICING. I SPOKE TO  XXXX  AT  EXTENSION   XXXX  WHO IS APPARENTLY ASSIGNED TO MY FILE WHICH I ASKED IF I CANT MAKE A PAYMENT BECAUSE I AM IN FORECLOSURE AND IT IS TAKING YOU OVER 3 MONTHS TO REVIEW MY FILE WHICH IS CAUSING ME TO BE MORE DELINQUENT HOW IS THAT RIGHT, HER RESPONSE WAS WELL SIR YOU WERE ALREADY DELINQUENT WHEN YOU STARTED SO ITS NOT OUR FAULT.
I had leased a XXXX XXXX XXXX in XXXX for 3 years with XXXX miles per year through Honda Financial Services. All the payments were made and nothing outstanding left on the bill. had the inspection done on the car on XXXX XXXX, XXXX. Then on XXXX XXXX, XXXX I returned my lease to the XXXX dealership. Apparently all was good received a copy of the odometer report which had over XXXX miles left on it, the only thing I received back was my handicap plate. On Friday XXXX XXXX, XXXX we received a notice from Honda Financial Services that stated - Once the vehicle is returned, you will be provided with an " Lease End Balance Statement '' reflecting the final amount due which may differ from this preliminary statement. We did not receive anything. They are requesting {$350.00} Turn In Fee. There is not and was not anything at anytime that reflected a return fee, it further stated that if I was to release a vehicle they would waive this charge. We are waiting to receive the actual bill however I am beyond words as to be being charged after paying my lease in full car returned in good shape and then a charge for returning the vehicle at the end of my lease. I understand that they give you 25 days to pay otherwise they sue
I was in a accident on XX/XX/XXXX where my car was totaled. Because of this my insurance paid XXXX off of the loan on. There was a small amount left XXXX dollars left. I was contacted about the amount by Credit Acceptance which I told them they would be paid but I would need a car to get back and forth to work right away then I would pay them off afterward. 
I did asked if they could add the amount on to the loan with the new car if not I would have to get car first then pay the remaining balance off soon after. Honestly I could have waited for the settlement from the accident to pay it. It was almost paid off years ahead of time at 23 % interest. 
Even though I let them know of the accident they have called several times in a week sometimes in a day. They know the situation of me having been out of work for 2 months on doctor 's orders and even though I went back to work I would have to use my pay for the first couple of weeks to buy a car for work. 
We went to get a car XX/XX/XXXX and we have found out that they sent the balance to collections even though I have paid all the way up to the accident and then the insurance paid most of the balance. 
Credit Acceptance has been paid almost all of the loan except for maybe the interest by XXXX XXXX XXXX. I feel as a first time credit purchase this company has tried to strong arm into paying off the total balance despite the situation.
I have a complaint against U.S. Bank XXXX. I noticed I was overdrawn XXXX. I immediately deposited XXXX which brought up account balance to a little over XXXX. Then they still going to charge me an overdraft charge. Why? The account was n't overdrawn at that time ...? Seems they are mad because I got the account back up before they had the chance to charge me, but chose to do so anyway. I want my XXXX back. How dare they pull such shady practices. Most banks give you XXXX free overdraft, this was my fIrst XXXX. Please help me as banks should not be able to pull such bogus deals. 

I want my XXXX refunded. 

































XXXX {$20.00} - {$4.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX Ia {$6.00} {$15.00}
This is my second year in this new home. The mortgage company said the escrow was wrong and raised my mortgage by {$400.00} then on top of that they placed forced place flood insurance on my home at a very high amount when I already had flood insurance. I called my agent they sent them the flood policy they gave me at {$500.00} less they never updated it or changed it. this mortgage company has raised my mortgage payment 3times making it difficult for me to afford my mortgage. I contacted my property appraisers office they sent me 2 letters saying I qualified for $ 5o, ooo homestead exception and what my taxes will be they refuse to update my escrow even with 2 letters from the county on letterhead and authorized signatures.They also have one of my mortgage payments in suspense of {$1200.00} they will not apply to anything just sitting there for 5 months every time I call them they open new tickets but nothings gets done. No one calls me emails me nothing gets applied or updated. My mortage payments keeps increasing and they keep sending me foreclosure letters. I have called several times asking to speak to a supervisor I cant get anything done.all while they hold on to an additional {$1200.00} and then charge me more late fees and property inspection fees for pre foreclosure.
Ive received repeated calls of from this place claiming they need my statement because I have multiple lawsuits against from XXXX XXXX XXXX XXXX for a past due balance ( XXXX is my current bank which I'm in good standing with, this is also reflected on my credit report. ) and from a XXXX XXXX XXXX XXXX. XXXX XXXX is a bank in XXXX which is a place I've never lived and I have never banked with. XXXX   keeps threatening me with lawsuits and harassing me with calls trying to collect debts that are invalid/incorrect.
This is a formal complaint that Experian is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Experian has damaged my name, and my credit. Experian has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible. 


Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/2016
I compared my experian report to that of a friend of mine. Both of us have collections on our experian file. When I compared the XXXX files, her collections are scheduled to come off between 4 and 5 years from the date of the collection and mine are scheduled to come off between 7 and ten years from the date of the collection. She has lot more collection and negative information on her credit file with experian and her credit score is higher than mine. The only difference between the XXXX of us is that she is a XXXX year old XXXX female and I am a XXXX year old XXXX female. It is not fair that her collection accounts are scheduled to come off between 3-6 years from the date they were reported and mine are between 7-10 years. For example ; I have a collection account that was reported in XXXX and it is scheduled to remain on my credit file until XXXX. She also have a collection file reported in XXXX and it is scheduled to remain on her credit file until XXXX. I have copies of both reports and all of the collection accounts have similar discrepancies and differences on both of ours where her unpaid collection accounts are scheduled to be removed a lot quicker than mine ; XXXX of our collection accounts is the same creditor ( XXXX XXXX Bank ) and its the same scenario as far as when the negative information is scheduled to be removed. I am not understanding why the difference in the removal time, from my understanding negative information remain on file the same amount of time regardless of who the consumer is. It seems as though it may be a difference based on discrimination. I have copies of both reports and I will send them in with the differences highlighted if necessary. I want to know why there is such a difference as to why my negative information stay a lot longer on my credit file, making it harder for me to repair my credit and raise my credit score than it does for another person in a very similar situation than mine. The only difference between the XXXX of us is that she is a XXXX female who is XXXX years older than myself. I have the hard copies of the credit report that I plan mailing to the investigator assigned to this complaint as soon as I hear a response from this bureau. Again I would like to know the difference and why some consumers such as myself have a longer waiting time for negative information to be removed than others. Thank you.
Applied and was approved for American Express Business Gold card with XXXX point sign up bonus after spending {$10000.00} on the card in the first 3 months. I was approved on XX/XX/2016 ; however, I did not receive the card until XX/XX/XXXX nd was not able to complete the minimum spending the 1 month ( instead of the allotted 3 ). I have requested multiple times ( at least 6 ) for a review, and was consistently told to wait for XXXX months for XXXX different " investigations '' totaling almost 6 months.
IHAVE MUTIPLE  INQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX ,  XXXX , EXPERIAN FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.
I had a balance of {$700.00} and made a payment of {$200.00} bring me a balance of {$590.00}? Being I do not use the card I was skeptic. I filled a online dispute with American Express. The only complaint I could make, XXXX Billing dispute ) was that I did not make this payment. I realized this was the wrong dispute being I did make the payment and contacted customer service right away. I was explained the details of the {$590.00} and excepted the explanation. I asked to have the online dispute closed and was told that the online dispute was closed. However, my balance is now {$790.00} and I do not use the card. I called American Express for help and was told that {$200.00} was being sent to my checking account without my consent and was being charged {$200.00}. I contacted my checking account and no money has been received from American Express. American Express says it will take 7days for the money to show up in my checking account. What STRESS.
Hi, I sent out a letter to XXXX/XXXX which was delivered on XX/XX/2018 requesting some information that was reporting in error. The response that I received back from this company was very disheartening and I feel like I am being taken advantage of by this company and the credit bureau 's. I am going on about 12 months of trying to fix this issue, and everyone is simply ignoring me and disregarding my request. The letter that I sent to XXXX/XXXX in XX/XX/XXXX clearly stated exactly what I needed to prove to them that the information may be reported in error. However, they simply replied back stating that I didn't request anything in specific. To prove my claims, I've attached the letter I sent, with my request inside of that letter, and also their response from my letter, which came over a month and a half later. This company has a reputation of illegal loan shark transactions and the accounts they set up are with ridiculous late fees, and the billing cycles are set up to increase the likelihood of missing a payment. I am at my wits end with this situation and I need this resolved immediately!
Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from XXXX, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.
Keeps calling my personal cell phone, but when I answer they hang up on me. I called back and it 's Nationstar attempting to collect a debt or loan, however, I have no account with them nor do I have anything negative going on financially. She asked me for my social security number and I refused. She then asked for the last XXXX digits and zip code so I gave her that. She said my account was invalid and to provide the proper info. I told her I have no account which is why I am calling and asked her to remove my number from the call list. She said she ca n't do that until she pulls up my account. I asked to speak to a supervisor numerous times and that I do not have an account and she just kept saying the information I gave her was invalid then she hung up on me.
I previously filed a complaint against this mortgage company back on X/XX/17 the complaint number is XXXX on X/XX/17 we were notified by the company that our papers would be delivered to us no later than X/X/17 which they did arrive on that day. My husband then signed all the papers and had them notarized and sent them back on X/X/17. approximately on X/X/17 we received another set of papers that had a totally different amount for monthly payments and my name on the mod. papers which should not be since I am not on the loan, just my husband is. We disregarded those papers and waited for ours to be mailed back. This never happened we ended up having to call a rep again, and at first said they never received any papers until my husband said that is impossible I sent them back on XX/XX/XXXX and I have copies.. then they all of a sudden found the papers and said they would send them back in 7 business.. That never happened instead we had to contact them again and then they claimed the ones we sent back were wrong because I was n't on the first docs. ( I am not on the loan why would I be signing any of those papers ) and the payment is wrong, the original loan mod we agreed to and signed gave us a payment of {$780.00}. They want to arbitrarily change that to {$850.00}. You can understand why we are angry and upset and concerned that they are trying to take advantage of us. My Husband would also like the {$10.00} he had to pay for the notary reimbursed.
I pulled my credit report and noticed that their were 3 inquires that were not mine. I contacted the credit bureaus. ( XXXX XXXX XXXX ) XXXX XXXX. To have the fraudulent inquiries removed. I was advised to get in contact with the company. I tried previous times to get in contact with these three companies with no response. On XXXX/XXXX/XXXX I also sent certified mail to these three companies advising the date my inquiries were pulled and that they were fraudulent and that they had 10 days to remove the inquiries. It has been past 10 days and I have yet heard anything for either of these companies, nor have these inquiries been removed. The three companies are 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Inquiry pulled on XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX I have done my due diligence to notify the bureaus. And the companies about these inquiries and nothing has been done. Attached is one of the letters I sent, I sent the same letter however changed the address on each and also attached is the certified mail receipts.
I submitted validation letters to Equifax about accounts listed on my credit report that are not mines, and that I have no knowledge of. Equifax submitted letter back stating " verified, '' and I submitted letters requesting that Equifax provide me with proof that the account is mines and they have yet to provide me with proof. 

Account : XXXX XXXX XXXX & : Account : XXXX XXXX XXXX XXXX
I opened a choice checking account with HSBC back in XX/XX/2018. Their was a promotion going on at the time where you get {$200.00} if you open that type of account and fund it with {$1500.00} then keep this for 90 days. The bonus would post 8 weeks after that. I funded the account on XX/XX/2018. I have been waiting for almost 6 months and no bonus posted. I contacted customer service numerous times through calling and chat and all I get is " Please wait for our investigation results ''. I think it's unprofessional to keep clients waiting rather than actively working on their complaints. I attached the offer terms in a PDF file.
I have asked Capitol One three times to remove my number from their call list ... because I did not owe them any money ... they are calling for someone else.
I have old Debts that I personally dispute and do NOT remember as well as the fact all three of these debts listed on my Credit Report are beyond the 4 years " Statute of Limitations '' in the State of Texas. I have attempted several times over the past year to Dispute these Debts claimed as accounts with the XXXX XXXX XXXX right here in XXXX Texas. However, I feel they must be violating my rights by not taking action to follow thru with my Dispute and the three items {$510.00}, {$500.00} ( Strangely Alike amounts from same Original Company as if charged twice ) and {$71.00}. I 'm making this official complaint against the XXXX XXXX XXXX and would like to resolve the issue about these three Old Debts and have the information removed from my credit reports.
On or about XXXX XXXX, I purchased a XXXX tour from my travel agent, who has offices in XXXX and the United States. I live in the US. My travel agent charged my Citizens Bank debit card approx. {$5200.00}, for both my daughter 's and my own trip ( approx. {$2500.00} per person ). The trip was paid for in US dollars. I then received a charge from Citizens Bank for {$100.00} dollars. No one at the Bank wanted to tell me what it was for. At first they said it was a foreign currency exchange fee. I said no foreign currency was involved. I was put back on hold. Then they said it was a foreign ATM fee. I said no foreign ATM was involved. I was put back on hold again. Finally, they said it was because my travel agent was in XXXX and not the US when I paid for my trip, which is absolute nonsense. I received no value for my money, and Citizens Bank did absolutely nothing to earn it. It is simply a fee to charge a fee and gouge the consumer, and that is not right. When choosing a new bank, I suggest choosing a more ethical bank who truly cares about their customers and puts their interests first.
have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XXXX XXXX and currently now. It 's been less than a year 11 months to be exact and counting coming into XXXX XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of EdXXXX, XXXX XXXX XXXX, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit against Equifax & the creditors for breaking several FCRA laws.
I am in the process of trying to obtain a mortgage and reviewed my credit report for inaccuracies. I sent the below certified letter to the company after I received no response to my  first two certified let ters to dispute the account : " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for o n  X/XX/2017 . I  have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Sectio n 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by n ot placing the disclosure within the requ ired 30-day period. As you  have violated federal law, by not properly providing the credit bureaus with proper notice within the required time-frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inacti on ) on your behalf may result in a small claims action against your company. ''
My account was involved with fraudulent activity.Now I am $ XXXX dollars in debt with Bank Of America XXXX