WillisBack/dataset-financial-user-claim huggingface dataset:
I have kept my  BBT Visa card current for the most part ( greater than 95 % of the time ) since its issuance. I spoke to a representative today and learned that the card  had been cancelled even after I made more than double the amount due as a minimum amount in the last 14 days.     The card balance was made successfully. I never bounced a check or had issues with the minimum payment and sometimes paying much more than the minimum. The card statement shows available credit but when I used it today, I was blocked on the account.     As consumers, like me, recover from the financial crisis, they need access to credit in underserved areas. The card was not paid chronically late ever. The last balance was not even over 90 days and typically the card is paid as agreed.      BBT added la te fees and other cost that caused the card to go over the limit.
Bank of America took it upon themselves to apply money from my checking account that was not there without authorization to apply it to old late charges causing an insufficient fund charge to be applied to the account creating a negative balance.
Signed debt consolidation loan on XX/XX/XXXX, bank insists check was mailed however credit card company never received payment as of XX/XX/XXXX. Bank refused to cancel check until after 90 days, after 90 day period still claims they can not cancel until XXXX signs waiver, XXXX refused. Meanwhile, I continued to make monthly payments to the credit card as well as the consolidation loan, including interest. My credit report reflects the amount of the loan as well as the previous debt, since there is no validation a check has been sent out, and no payment received. My credit score also has dropped significantly and continues to lower, preventing me from taking out a line of credit. XXXX XXXX XXXX XXXX denies responsibility for the missing check, claiming the consumer must request certified mail and stated it was a courtesy for them to have agreed to mail it.
I submitted a public record investigation request to LexisNexis XX/XX/2017. I received a response more than two months 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 went to College XXXX in 2010 and I withdraw because I was going through medial problems at the time, I received financial aid which was paying for my education, they paid XXXX, once I had withdrawn all the funds had already been released the only thing that was cancelled was {$34.00} the rest went to XXXX. Now they are stating I still owe them {$200.00} and have put a collection on my credit report and I had already spoken with them and was told it was not a debt so why is now an issue and on my credit report with someone called ATG Credit collection
My mortgage company Nationstar Mortgage. I live in California. My mortgage is currently in default. I have secured the funds to reinstate my loan. I have attempted, and my lender has attempted to get a written breakdown of the costs, fees and payments that need to be made to the mortgage company in order to bring the account current. I have been told that the company will not, on advice from their leagal department, give me the document that I need. Their reason is that in 2008 I had a bankrutcy ( that was discharged ) and that they are " not allowed '' to provide the written document that I need to give to my lender. Meanwhile, the foreclosure sale date is looming. My lender has called and spoken to them, I have called and spoken to them and they simply will not provide the document. I am afraid that they will foreclose even though I have the money and income to make this right. They keep changing my " point of contact person '' even after assurances that they will not. ( I 'm up to XXXX ) The phone number that is on my mortgage statement is a loop that goes nowhere. ( I 've told them this ). My latest mortgage statement was incorrect. This affects the amount that I owe. They keep sending people to my house to see if I still live there, and charging me for it, even though they know that I do and I have kept in consatnt communication with them. They keep denying my requests for modification. The latest reason was that it would affect the potential equity ( I have plenty ) of the home. I am happy to use some of my equity to modify my loan! I put the money down on the property to begin with! I can not provide you with any documentation because it is written and they wo n't give it to me! I need help!
Account has been paid in full. XXXX XXXX forwarded my file to a law firm- Aldridge , Pite & Haan . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this  accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!
My complaint is against the Escrow Department with BB & T Mortgage. I have tried numerous times to resolve this issue. I have Paid my mortgage payment on for over 15 year, even through a bankruptcy. My home value in XXXX XXXX Georgia is XXXX or more according to XXXX XXXX assessors office. I pay taxes on a home valued at XXXX. But BB & T bank is valuing my home at XXXX for the last 9 years with no increase in value. I pay my taxes and insurance payments out of my own pocket not from Escrow. this past year. .How would any person feel paying property taxes on a property that the bank is saying is worth half of what I 'm paying taxes on ... .Enough is Enough BE Fair
Neltnet Student loans are dismissed because Im on XXXX XXXX XXXX since XX/XX/2016. Bankruptcy from the court in XXXX XXXX, Texas that was dismissed in XX/XX/2012 still showing under public record. Its also making it difficult to obtain credit.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Re : Old Debt Item Dear Sir or Madam : I am writing to request the information that your company provided to national credit reporting agencies be removed from my credit report. According to the XXXX credit bureau, this account was charged off on XX/XX/XXXX in the amount of {$3500.00}. The initial delinquency dates back several years ago during my XXXX studies. This account became delinquent because of financial hardship that I experienced in the past. In the years past, I have begun to rebuild my credit and established a good payment history with my current creditors. As a show of goodwill, I kindly request that Chase remove this item from my credit history. Please contact the national credit reporting companies to which you provided this information and have these agencies delete the stated collections item, as soon as possible. Thank you for your time.
Reference Case # XXXX The XXXX money orders that were trace by XXXX XXXX were not added to the total amount paid. I sent documentation to this office and to Regions when i returned the {$30.00} check they sent me because the owe me $ XXXX. I know this office received my corresponding as well as Region. I did n't know how to add on the the case so I am submitting it this way. I need my money or the accounts forced open. In either case someone need to contact me. The list of money orders they applied neither is for {$75.00} or {$30.00}.
I was reviewing my American Express bill online today, and I noticed a charge fromLost Wallet Protector for {$39.00} - 1 year fee. I was suspicious and contacteda representative, who stated that I had been enrolled in the insurance programsince XXXX of XXXX. Then stated that I would have to contact the Lost Wallet Ins. 
Dept. to cancel my enrollment. I was enraged, because this was an issue that I haddealt with back in XXXX or XXXX with American Express, I had previous contactedthis Lost Wallet Ins. Dept., and asked them to cancel my enrollment and refundmy money since XXXX. To learn that this insurance was not canceled and thatI was still being charged annually {$39.00} for something I NEVER AUTHORIZED orsigned up for - I have health insurance and Life insurance I have absolutely noneed for this Insurance Protector by Lost Wallet. This is a scam and no XXXX isrefunding my money from XXXX XXXX to present. I want my money back andAmerican Express to cease enrolling me in a program I DO NOT WISH tobe a part of.
Good morning, Im writing this complain because Im so fed up with how Bank of America treats me as a customer. This issue I have with Bank of America is happening isnt first time. They had charged me overdraft fees previously and couple times fair but other times is not at all. All my requests to waive was unsuccessful. The reason why they charge me overdraft is not because my account didnt have enough funds for scheduled payments but because of in which order they clear up transactions which is so unfair and wrong. I just found today that they again charged me overdraft fees for three transaction! Which is three times {$35.00}. These three overdrafts couldnt happen because I had enough funds to cover scheduled bills. Yet, Bank of America found they way to clear up transactions in the order that convenient for them. I spoke with customer service two times and they deny to waive it. All my logical explanations dont make any difference for them. When I asked why Bank of America deny my request to waive it, they say they cant explain. Its just denied. Ive been a loyal customer with this bank for so many years, not even saying that they took total of {$100.00} overdraft fee ( three times {$35.00} ) unfair this time and theyre so careless.
Please read attached file it Has the complaint details along with clear and convincing evidence this collection should never exist knowing the facts stated in details in the attached file. 

Threatening and suggesting negative consequences on my credit report sustain. This company didnt do what it said it will. Playing those tactics of vague replying not answering the real question this complaint asks all the violators of rights to answer. Why this collection if its works on behalf on XXXX or why not XXXX used the auto payment which is valid to get paid for what it alleges that I owe? If anything legitimate or if its charges are legitimate, what prevents XXXX from debiting my credit account that it did regularly and I never stopped XXXX? Showing off all those paper? I have documents I could use to sue thus collection and XXXX both and I reserve right to do so any time without prior notice and without waiving my rights .so checking my credit today using my XXXX basic credit monitoring service and I saw this Sprints collection from source Receivables Management ( SRM ) ( correction on the exact name of the current collection is Source Receivable management ) still on my credit file or report .another important thing. I never claimed fraud to anyone in regard to this matter. XXXX created that by itself and it will assume responsibility for saying something I didnt state .you need to comply to law after u showed you all the proofs that XXXX is not serious about getting paid and they broke their policy of auto payment and I have copy of that policy. They need to have a life and let me on peace before they receive a legal summon from a U.S Marshall and then it would be late to settle because you will all pay big legal price. Please dont say something I didnt say in my complaint. Your interim response before is rejected at its entirely and stop threatening and harassing me. those desperate tactics from all the violators to cause me more harms than theyve done already, It is noted and it will be used in a court of law if necessary. 
All stated herein is to my current state of knowledge belief and understanding and it is subject to anything or any correction by me only at any time without prior notice and without waiving my rights. Please refer to the attached file for more factual information with proofs attached within the file. Does XXXX or SRM have any court order to abuse my rights?
HSBC I 've received your XXXX/XXXX/17 response and there has been no reply to the complaint..Please address a letter from HSBC to XXXX with authorization to be signed and dated, to have this account researched. The fact that I 'm not a signer on the account is not my fault, therefore does n't justify you ignoring the the complaint.Please provide the document you are requested or my Attorney will.
I have repeatedly disputed credit inquiries that are duplicates and not authorized to the best of my knowledge. I have asked that they 're removed as allowed by law, due to Experian 's refusal to verify as requested.
I have been paying off a multiple student loans to XXXX XXXX, now Navient since 2009. I have done my best to make payments on time. This past year I went through a divorce and I became responsible for all of our debt. I struggled with paying the loan and even reached out to them to discuss my options, they basically told me I had none, but to pay. They call repeatedly every day of the week. I receive upwards of XXXX calls in a day ; before XXXX and well after XXXX. They do the same to my co-signer. I have mentioned their tactics to them and how it has become very bothersome to mine and my co-signers daily lives. The response I received was that " I owe them money and they can call as much as they want to collect it. '' I have both a Federal and Non-Federal student loan with them and as hard as I 've tried, I just ca n't keep up with them anymore. 
But, they have been cruel to my plight, showing absolutely no sympathy or constructive solutions to the problem. Instead they continue to harass me with continuous phone calls all hours of the day and it needs to end. 
I am asking for help to make it end.
I called Wells Fargo to see if they could terminate my PMI. They said it 's not PMI, it 's actually mortgage insurance ( which is technically different ). I 'm past the 80 % loan-to-value, but they said there 's a requirement to have the mortgage insurance for a minimum of 5 years, so they ca n't terminate it. Is that correct? Also, this loan was a refinance of a loan with Wells Fargo. I asked if they could give me credit against the original loan ( which was in 2010 ), but they said no. It 's all due to investor guidelines, and they do n't have the option to waive the mortgage insurance. Is that correct? The loan officer at Wells Fargo told me that he could n't do this loan if it was n't to my advantage. But I did n't know I 'd have to restart the clock on this expensive mortgage insurance! It 's over $ XXXX/month for 5 years.
Collection agency is n't licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but is still on my credit report.
I have mortgage with Ocwen Loan servicing LLC # XXXX. Ocwen claims that I am behind payment by more than one year. However, I have always sent my mortgage payment. I have asked them several time to send me statement of account mentioning what payments they have received and what payments are missing. They do not send that and demand that I pay the whole amount
I had a credit card with XXXX. The credit limit was {$400.00} ; XXXX would not allow credit beyond {$400.00}. I honestly doubt that I had reached the credit limit when the account was closed. Never the less, Portfolio Recovery Associates is reporting that I owed a balance of {$690.00} on the account. They have failed to provide proof as to how my balance became {$300.00}. over the credit limit. Another issue I have with this company is that they are reporting this as an open account from XXXX ; when the truth is that this account was charged off in XXXX. 

I 've disputed this info with all three credit bureaus to no avail. XXXX, XXXX and XXXX is allowing Portfolio Recovery Associates to omit payment history and other pertinent info from the XXXX account which would clearly show that this debt arose in XXXX, not XXXX and the true balance. Because the agencies refuse to do a real investigation and require full/ accurate reporting, I decided to try to resolve my business with Portfolio Recovery Associates by making a settlement. 

Portfolio Recovery Associates and I agreed to settle the debt ; at which time, I paid {$380.00}, in XXXX XXXX. It was agreed that the {$380.00} dollars was the full and final payment of the debt. Notwithstanding our agreement, Portfolio Recovery Associates is still reporting the debt as an open account with a balance. XXXX credit bureau is still reporting a Balance of {$690.00} ; others are reporting a balance of {$310.00}. To add insult to injury, Portfolio Recovery Associate is reporting that balance as a " late/ missed payment. " I would like to know if it is legal to continue reporting that an account has late or missed payments when it has been charged off and settled for a lesser amount. 

I feel like this company has broken the law and the three credit bureaus have violated my rights under the fair reporting act. I can not let Portfolio Recovery Associates keep misrepresenting the nature, balance and time frame in which this debt occurred. Is there any way that you can send me a copy of the fair credit reporting act in its entirety? If I ca n't get any resolution here, I 'm going to have to take these people to court. They are purposely trying to destroy my credit with lies and no one is doing anything about it.
We applied for a refi of our 30 yr fixed mortgage with wells fargo. The very first step was payi g {$30.00}, and wells pulling our credit report and score. Based on that report and score, wells put us in the loan process. 
Then wells took {$500.00} from our Wells checking account for a property appraisal. Appraisal went fine and title insurance went through also. Then wells account rep XXXX XXXX told our homeowners insurance XXXX XXXX to change payee from XXXX ( existing mortgage holder ) to wells. All items went through the full underwriting and were approved. After discussing that I am XXXX and on SS XXXX, my refi was suddenly closed with no explanation. When i called I got a form letter saying it was my credit score but mortgage brokers said wells does loans with scores lower than mine and i wouldve beenscreened out at initial application, and the credit score was step 1 and they approved it. I think i was turned down for being XXXX. XXXX XXXX still shows wells fargo as payee and say loan was approved. They say only wells can change it. If my credit score was no good why did they take {$500.00} for an appraisal and change my insurance policy payee and do title insurance? plesse help me.
I filed a dispute requesting verification of a debt that is being reported by Portfolio Recovery Associates ( PRA ) for account XXXX XXXX. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from PRA which was summarily ignored. 45 days after my initial request I, again, requested debt validation from PRA. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could n't find the time to reply to my numerous requests they found the time to begin harassing me. In an attempt to mitigate any further harassment, and hopefully get them ( PRA ) to validate the debt they are reporting to the CRA 's as required by law, I filed a dispute with XXXX on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates reported and amounts owed. I also took care to note PRA 's failure to provide any proof that the debt is valid and being reported correctly. On XXXX/XXXX/2015 I received the results of the " investigation '' performed by XXXX with a determination that they were able to verify the debt. 

Under FCRA sec 623., I am requesting disclosure of the " original creditors documentation '', on file, that they must maintain to to validate all data being reported be made to me XXXX 30 days after receipt of this notice. If they are unable/refuse to provide documentation I am requesting that the the reported data be removed from all credit reports.
I received a complaint from RAB Performance Recoveries. I filed an answer and sent my request for discovery and interrogatories. The firm then filed a summary judgment motion saying there were no material facts and yet they have not even responded to my discovery, so no facts were known yet. I requested a postponement of their Motion and they claimed they would postpone it and even sent me a new court date. Then, instead they went to Court on the original date and got their judgment, as I was home still waiting for their discovery answers. They never postponed the matter, and lied. They got a judgment and started strong arm tactics and threats to extort money from me. I began research while I was paying {$100.00} each month. I finally found out how they got the judgment as there were so many other victoms on line who they had done the same thing to. 

I outlined all of the research I found and sent it to them via e mail, regular and certified mail. I said I had evidence of their wrongdoing and would go to the court with it upon motion. They responded by saying they would drop the case. So, I contacted the court who suggested I prepare a Warrant to Satisfy Judgment. I prepared it and sent it to be signed and filed by RAB Performance Recoveries. I never heard another single word, or received any correspondence whatsoever for about 6 years now. 

RAB now just pulled up the 8 year old file and has filed a motion to attach wages based on the Judgment they received through fraud. Turns out that they failed to file the Warrant on the order they received through trickery and defrauding of the court and myself. They also gave no credit in this new Motion for Garnishment for the {$1000.00} that they extorted from me, and I have long ago disposed of this file, as I truly thought it was a closed matter after not hearing a word for more than five years. 

Since they initilly falsified court papers to get the judgment in the first place, the judgment should be voided and the matter should be outside the statute of limitations at this point. 

I desperately need help in communicating their wrongdoing to both the public and the court as well as other victims of their scam. They operate a business by ignoring court rules, lying to debtors about what their intentions are and what remedies are available, lie about court hearing dates, fail to abide by court rules of discovery and are still in business not being held accountable for all of these illegal activities. They need to be stopped. thank you.
I have tried repeatedly to obtain a loan modification have been asked for the same information three times and verified that they received it and it was what was requested the last time i was denied according to them due to the fact they stated that they were blocked on my telephone the only block that was on my phone ( it has bee turned off ) was annomoyous callers they have since been calling me on my business phone in spite of repeated requests to only call my home what kind of bank hides their caller id when dealing with a consumer they are attempting to supposedly help