WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I was checking my Experian credit report tonight and noticed a collection account as shown as follows : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : ACE CASH EXPRESS Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015. 

Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe Ace Check Cashing, nor have i ever taken out a payday loan with Ace Check Cashing due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at Ace Check Cashing was months ago for like around XXXX dollars, I have a great record with that company Ace Check Cashing in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other XXXX Citizen/Nationals. 

Respectfully, XXXX XXXX XXXX
3 years ago I was unemployed and could n't continue paying my mortgage. I asked the bank for assistance at the time it was Green Tree. They approved me for a loan modification in XXXX 2015. I gave my bank information for all three trial period payments to be automatically withdrawn. I was told to call back XX/XX/2015 if I had n't received the final loan modification agreement. I called and instead of a final loan modification agreement I was notified that they had n't processed any of the payments and my case had been closed. They did internal investigation and determined it had been a mistake on their side and told me to submit the application again. The bank then became Ditech and everything was a disaster after that. I got a letter dated XXXX XXXX, 2015 stating they had a complete package and the file was under review awaiting a decision. 2 weeks later I called to find out why it was taking so long to make a decision, to my horror I was told that my property had been sold on XXXX XXXX, 2015 and that for that reason they had to close the loan modification case. I was NEVER notified of any foreclosure proceedings and EVEN LESS of any sale date. I have called so many times and keep being transferred from department to department and no one can explain how the property was sold without them knowing or notifying me. On XXXX XXXX I called again and was told from now on I need to contact Fannie Mae instead. I did and was told they will start an investigation but representative basically told me to just ask the listing agent they have assigned to my property to beg her for cash for keys. I do n't want to do that. I have been trying for years to reach an agreement with the bank so I can bring my loan up to date and keep being denied even though I know for a fact I qualify for a loan modification. Please help me. I do n't know what else to do. They just refuse to help me and XXXX knows I did not default on my loan because of negligence on my part. I am a father and my children will be homeless in this cold winter if they refuse to help.
Bonus not received, more than the minimum spend amount has been met. Bonus not provided even though product ordered was different product.
I have a monthly payment agreement with social security, not a third party collection agency, to pay the full amount of their overpayment. I have been making monthly payments since XXXX of 2014. Experian shows failure to pay every month despite these payments resulting in a very low credit score. I disputed this with Experian in XXXX ( spoke with XXXX ) and provided proof of the monthly payments. I received XXXX reports XXXX XXXX stating Experian is not able to make changes to my credit report until they contact Social Security. I called Experian today and spoke with XXXX again. She said that social security responded to their dispute inquiries on XXXX XXXX, told them my most recent payment was XXXX XXXX, but is still reporting that it is a collection account and that it was sent to collections for non-payment. So I called Social Security today and spoke with XXXX. She said that on their end, once it is reported is stays on her record until it is paid or for seven years, but she does not know how the credit agency reports it. She also stated it was not up to social security how it gets reported by Experian, but she would have thought it would show payments for the months I made payments. She also said I might want to try talking to someone else at Experian. I do n't understand how Experian can continue to report non-payments every month when I am making payments every month to social security directly and paying the full amount owed. This has had a huge negative affect on my credit score. I am attaching the documents I sent to Experian when I filed the initial dispute. I am also including a screen shot of my Experian report that shows when you hover over XXXX of the months it shows " failure to pay. '' This is for XXXX of the months included in the statements I provided to Experian verifying payment which I also attached.
Purchased a vehicle in 2012 from a dealer in XXXX, PA who financed it through Autotrakk and at the time of purchased my Sister and I were told I would only have to keep it 18 months and could then trade it and this was XXXX of the main reasons I purchased the vehicle because I wanted to get my credit back to perfect and I did. I kept the vehicle more than 18 months with perfect credit and went to trade it and the dealer said I could n't trade it that I owed more that the vehicle was worth that 's when I learned that XXXX charged me {$4000.00} more than the vehicle was worth. I went ahead and bought the new vehicle and kept paying for the Autotrakk loan and put that vehicle up for sale. During the duration of the loan Autotrakk kept telling me this was a lease because I kept asking why I could n't get a better interest rate because my payment history was perfect and they kept telling me that it was a lease which was contradicting what the dealer told me. These people in customer service are all incompetent. They required you to do the service calls on the vehicle and they would tell you when they were due which was no problem cause that was paid for by them and I did everyone but when I would call to make my payments after a service call they would say you need to make your service call and I would tell them it was already done but the last service call I did the dealer did n't notify them I guess and when I tried to make my payment they refused to take my payment and I went off, those XXXX just ruined my perfect repayment history by not letting me make my payment. It is there responsibility to call the dealer and confirm the service call was made. The service call was done XXXX XXXX and that info is available right at the dealer. I told them to come get the vehicle or I would take it back to the dealer and they did the next day so this was a I voluntarily gave the vehicle back but still the loan was perfect credit but they turned it into the credit bureau as a repossession and now even thought all my debt is perfect credit and I have several credit cards I can not better better car insurance or even better credit cards with low interest rates because it lowered my credit score form XXXX to XXXX so I am suing them because they would not except my payment and how can you reposess a car with perfect credit. I will fight this and go to court to get this off my credit report. Stay far away from this company and do a XXXX search for Autotrakk and see all the complaints this company has they should shut this company down these people do not know how to do good business and I will put it on all social media platforms to warn people to stay away from this company.
PORTFOLIO RECOVERY they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
Multiple times over the passed few weeks my Key Bank account has been " reportedly '' overdrawn even though I 've had the money in my account. Today is the third instance of this action happening. As of XXXX XXXX the night of the XXXX XXXX XXXX 2017, my account balance was {$10.00}. I made a cash deposit of {$200.00}, bringing my balance to {$210.00}. I immediately withdrew {$60.00} cash which would take my balance down to {$150.00}. I had a check coming out the next day for {$120.00}, which would take my balance to {$120.00}. Now mind that after making my cash deposit I had more than enough in there to cover the check which had n't yet hit my account. My account balance is now $ XXXX because Key Banks money stealing practices try to make it look as if the deposit happened after the check had already hit my account. I have account balances and statements proving tothe money was in my account before the check was there. They charged me a {$39.00} overdraft fee and for no reason and they 've done it to me multiple times over the passed few weeks. Please help to stop this fraud operation they are conducting at Key.
I am filing a complaint about Wells Fargo. This had been an ongoing issue with me filing complaints about my Wells Fargo bank accounts. I had not received any resolution to this day. I have money missing from my bank account and I am unable to figure out each transactions amount. The money went missing within a three month timespan. This timespan is from XXXX to XXXX In the past Wells Fargo wanted to know the dates and amounts of all transactions of when, where or how the money went missing. If I did know the amounts of transactions that lead up to missing monies I surely and would greatly provide this information. I have read all of my banking statements online and I also had requested that Wells Fargo send my statements via postal mail. Nothing contained within that information has helped me at all. Every bit of the statements is vague and provides little to no information that would help me in locating these missing monies. Every complaint that I have made about this Wells Fargo provides the same exact response. Please provide us with dates and transactions amounts. Then their response ends up closing my complaint filed through the CFPB website. I have no way on earth to provide the information on transactions amounts. This was a gross error by Wells Fargo. Wells Fargo is the company that holds all of the records as in dates, amounts and where this money goes. Them asking me to provide dates and amounts of transactions would be beyond redundant. Asking me to provide them information of which I have no control over. I am at a loss financially and by them they keep brushing me off and trying to allow me to either give up or pass the time and go past the statute of limitations. Also I started out as a XXXX banking customer. Then sometime after Wells Fargo had taken them over and imposed their rules without my personal consent.
On XXXX XXXX, XXXX, U.S. Bank offered me a loan modification following a successful trial period payment. The loan modification documents are attached to this complaint. 

I signed the documents on XXXX XXXX, XXXX and promptly returned them to U.S. Bank for their signatures. They signed the documents on XXXX XXXX, XXXX. The finalized loan modification agreement is recorded on XXXX XXXX, XXXX XXXX of the XXXX XXXX county public records. 

The terms of the loan modification agreement established that my monthly payments were to be {$720.00} per month. {$470.00} for Interest and Principal and {$250.00} in Escrow payments. ( see attached ). 

On XXXX XXXX, XXXX, following the ratification of the agreement, I spoke to a U.S. Bank representative who assured me that I was now out of loss mitigation and my monthly payments would be {$720.00} as agreed. 

When I attempted to make payments on my loan, U.S. Bank refused to accept them. On XXXX XXXX, XXXX they stated that I had to pay approximately {$850.00} a month, otherwise they would not take my payments. He also claimed that they would later reimburse the excess back to me. 

U.S. Bank unilaterally breach our contract. It refused to accept my payments and now alleges that I am in default under my loan and that they will foreclose on my property. 

I have a legally binding, recorded contract with U.S. Bank. They offered and accepted the terms of the agreement. They recorded the agreement and accepted {$31000.00} from HUD to proceed with the modification. They have benefited in every way, yet refuse to accept our contractually agreed payments and are now attempting to take my home away from me.
Around the XXXX or XXXX of XXXX i had to factory reset my phone due to numerous problems. I was not able to use the phone long enough to change my 2FA ( 2 Factor Authorization ) settings on my virtual currency exchanges. I do n't have the security keys to install new tokens, once the phone was restored. I had do reset my connection with more then one exchange, and all but coinbase have been a fairly straight forward experience. This usually involved additional verification of id, some wait time, done. I have contacted coinbase via their SUBMIT A TICKET OPTION several times. The first time was on XX/XX/XXXX. The last time was yesterday XX/XX/XXXX. I have followed all their instructions, i submitted additional id info, which was accepted. The usual response is in a form a standard form answer. At this point i ca n't follow their instructions any longer because it requires me to have a new phone number. None of the steps recommended by coinbase have worked. I also went thru the steps to reset XXXX, as per coinbase recommendation, which is a 24 hour reset process. All my other security tokens are available on XXXX except for coinbase. I have contacted XXXX support, and was informed that coinbase manages their own tokens, and mine has been disabled/revoked. I have not received an answer from coinbase on this issue. There does n't seem to be any other way to contact support except for the SUBMIT A TICKET option. And the response time for any ticket seems to be about 3 to 4 days. Most of the answers received come from a no reply email. So the only way to ask questions or respond is to SUBMIT A TICKET. At the time this started i believe the value of my account was around {$12000.00} to {$13000.00}, i ca n't be sure since i ca n't check my balance.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  ACCIUNT # XXXX  Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX  Payment History This account states that I was 30,60,90 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX  ACCOUNT # XXXX   Contact Information XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX This account states that I was 30 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed.
i send the money from United States to XXXX but the person to whom i send lost his ID now i want to change the name of the recipiender
I called XXXX XXXX Cap on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, I did n't get a response nor did they help me.
Our current loan adjusted up to 4 % XXXX XXXX, 2016, with our lender of XXXX years Bank of America. We are in good standing and have exceptional credit ratings. We contacted Bank of America to refinance our loan to a lower rate and locked in at 3.75 %. We were required to pay {$470.00} for the property appraisal up front, then were declined in part by their own flawed appraisal. XXXX is estimating a XXXX increase in value over the Bank of America appraisal of XXXX, that is still XXXX in equity using the Bank of America appraisal. One borrower did returned to XXXX XXXX and then XXXX program. The three years following college was out of the workforce caring for a parent. Work history prior to college was not utilized or credited. Our loan officer stated that since we were Bank of America customers this refinance could be fast tracked, which has not been the case. The difference in our XXXX loans is {$520.00} a month savings. 
Below is the text from the decline letter Please read finding from XXXX on your loan. 

48 hour cancellation notice XXXX, So we had to request an exception for XXXX re-entering the work force, XXXX just got back to us and they are not approving the exception DECLINE REASONS : 1 ) Value is not supported in appraisal report ; comps XXXX & XXXX do not appear to be suitable comps as they are townhouses ; not single level flats ; comp XXXX is from subject property and sold for significantly less than subject value with significant, unacceptable adjustments. Appraisal was elevated for additional review and supported the decision for a decline. 
2 ) Stability and probably of continued employment is not documented in the file. XXXX does understand that borrower was caring for a parent for three years, however, due to long gap and lack of previous employment history, unable to document stability and continuance of employment which is needed to qualify for mortgage. 
3 ) XXXX does recognize that borrowers have owned home for XXXX years with a savings of {$280.00} per month, OnUs refinance, however, there are no compelling compensating factors to offset the risk of the exception
I am writing this due to non-compliance with the CRA Experian They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Information sent to Experian Please find attached and circled the item that I an at present questioning. It is to be noted that the item in specific may be affiliated with personal information that you have remove prior. See attached
I disputed a charge of {$250.00} which was charged on XX/XX/XXXX from a vendor ( XXXX ) that did not perform and present a website accordingly and in a TIMELY MANNER. After not receiving a well put together website with a few days as promised, I requested cancellation of the entire service. They said I didn't but I did via phone conversation and email request. I told them not to proceed I was not happy with the " ugly '' website. It was terrible and I had to keep asking " why isn't the site up and running. '' ( See attached ) I provided proof, email conversations, and dates of the transaction and conversations to Capital One who decided to deny my dispute because I did not provide A SECOND OPINION from another company who knew nothing about this transaction. Not only did they deny the dispute but they took their own good time responding ; two representatives call on two separate occasions and neither one followed through with the dispute without saying they don't see my documents. I was asked on three different occasions to send my proof, when I had already done so as requested by their deadline. They said they didn't see it when I had confirmation of the email. On XX/XX/XXXX, XXXX wrote to Capital One that they see the " charge back of the funds, as FRAUD. This of course was a lie. They just didn't want to give me back my money after not performing. I have never in my life had a company ask for a " second opinion '' from another business who is not involved with a dispute. I had no clue who to involved in this. I felt this to be very UNFAIR to me as a card holder who paid my account on time and who cherished that fact that I was granted the account. I am very insulted and feel as though I'm being discriminated against regarding this matter. Capital One refused to value my opinion as though I was lying about everything. I told Capital One on multiple occasions that I WILL NOT BE PAYING FOR THAT CHARGE and now they have added 2 late fees taking the balance up to {$340.00} and they have reported me as being two months late which has cause a decrease in my improving credit score. I had my scores close to XXXX, I have been working diligently to improve my credit and clean up my credit and now this. I have warned them that I will continue to dispute this and I refuse to be a victim of such a request of asking a " second opinion '' for proof that a vendor did not perform. Yes I was paying for and agreeing to service that I did not receive according to their time frame. Please see the dates that I told them I didn't see any website up and running and the message stating on XX/XX/XXXX ADMITTING THE SITE WAS NOT LIVE. It was supposed to take only 3-4 days which DID NOT HAPPEN. If needed I have ALL EMAILS regarding this transaction with the vendor. Thanks for your help!
I have not applied for any credit. And it shows all XXXX XXXX and credit cards I have not applied for nothing but XXXX XXXX so why is these hard inquiries on my credit?
My complaint is the disclosure of the rules regarding tier points for the XXXX XXXX XXXX XXXX  Card. As I have learned only after receiving and using the card for a few months there is a difference between the Plus card and the Premiere card. I only learned of this after the first two billing cycles. Before 2 days ago I did not know there were two different cards. I carefully read through the rules and regulations that were publicly disclosed when I applied for the card and did so with the understanding that tier points would apply towards XXXX A-List status. Only when the tier points for the XXXX18 billing cycle were not credited towards my A-list status did I inquire. Then and only then did I learn of the existence of a second card, the so-called Premiere.

When I called to find a solution to this problem I was told that Chase would do nothing to help. Yes I was willing to pay the {$30.00} difference. At that point to me a line was crossed from an onerous and confusing disclosure on the part of Chase to that being a deceptive business practice. I escalated the complaint in writing, cc-ing XXXX XXXX XXXX of XXXX XXXX, their cohort in this wrongful deception.

I received a form letter from Chase that they would do nothing to help. Neither has XXXX responded aside from a postcard and a complaint number, XXXX.