WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see  attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of  the loans was paid off in XXXX ( see XXXX XXXX issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX bank which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )
An unauthorized purchase of {$340.00} was made on my Sam 's Club credit card account XXXX XXXX. When it appeared on my statement, I contacted the issuer and challenged the charge. I was assured in a phone call to Synchrony Bank ( issuer of the card ) on XXXX XXXX that I was not liable for the charge. When the charge remained on my account, I phoned again XXXX XXXX and was told to ignore it. When it continued to appear, along with late fees, I called repeatedly and was transferred to Collections instead of to Customer Service. I finally got through on XXXX XXXX and was assured that I was not liable for the charge, and that I would receive documentation to that effect within 7-10 business days. The documentation did not arrive and the company kept phoning my wife to demand payment. I finally got through to Customer Service ( after fighting with Collections again ) on XXXX XXXX and was assured that my account had been fully credited and showed a {$0.00} balance ( in spite of the fact that their computerized system had just informed me it was {$450.00} ). I will believe these assurances when I get my next statement. In the best case scenario, it took 115 days, XXXX direct phone calls and countless harassing phone calls to my wife to get this cleared up. Worst case, the saga continues...
Complaint against XXXX XXXX RE : Loan Management Account Broker : XXXX XXXX, XXXX XXXX, NJ SUMMARY : Loan Management Account established in XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX did not enforce the stipulated amount regulated for Trusts and Individuals on the XXXX XXXX website. The loan amount should be limited to XXXX for individuals. ( see below link and quote from the XXXX XXXX website ) My XXXX account was allowed to hemorrhage ; become over leveraged and my investments went from XXXX in deposits to a final balance of $ XXXX. I used some of the XXXX balance but I was living off the XXXX since I am XXXX with XXXX XXXX XXXX XXXX. The Loan Management Account is not a suitable vehicle for an older woman who has no other source of income. I learned this too late. When my husband XXXX in XX/XX/XXXX I agreed to assume the loan balance of approx. XXXX but at that point I should NOT have been allowed to leverage any more of my investments. 

ML OFFICIAL LOAN MANAGEMENT DESCRIPTION : XXXX XXXX XXXX " The XXXX account is an  uncommitted facility, although loans to individuals and trusts may be  committed in an amount not to exceed {$100000.00}. The Bank may demand full or partial repayment at any time and any commitment may be immediately terminated. '' I recently became aware of this regulation limiting the loan amount to individuals. 
Not only did the loan balance exceed XXXX but my entire set of funds were used as collateral. XXXX XXXX charged interest on the loan balance from approximately 3.3 % to 4.4 %. 

In XX/XX/XXXX and XX/XX/XXXX I communicated with FINRA and requested mediation with XX/XX/XXXX through FINRA. XXXX XXXX denied my request and blames the destruction of my resources to my spending. As previously said I was living off my investments. I paid for my son 's wedding. Spending is not the issue. XXXX XXXX broke their own law by over leveraging my Loan Management Account. If the XXXX XXXX stipulated limit of XXXX for individuals was honored and enforced I would not have lost all of my funds. 

Essentially the Loan Management Account became a runaway train that eventually crashed. My Loan Management Account was not properly supervised and not lawfully enforced. 

Thank you.
My judgement was satisfied, XX/XX/XXXX with Hunt and Henriques. 
According to the XXXX : H & H failed to : Release Document, Put County Name on Doc, Record Abstract, Record Instrument # On Doc, Failed To Report A Lien On Property ( Still There ). I sent original to XXXX XX/XX/XXXX who upon receipt told me, " Doc was never released, lien is active, Doc was prepared incorrectly and Recorder had to it return to Hunt and Henriques. '' ( I thought H & H had taken care of this over a year ago. ) To date, H & H has failed to return calls to recorders office or return the corrected and updated Satisfaction of Judgement. This has damaged my credit, and reputation ( XXXX shows my judgement as active on line ), XXXX just corrected XXXX over a year after I paid, and takes no responsibility for the Collectors ' actions, and the property shows an active lien. The property is unable to be sold with the lien.
hi i been trying to work with Transunion for over a year now to have the poof that the information on a   XXXX   XXXX   account  XXXX  and  XXXX  bankruptcy,  s  chapter  XXXX  #  XXXX  chapter  XXXX  #  XXXX  are not mine and they have refused to show proof and all they have sent back to me is verified i have tryed to tell them that the accounts they have on file do not belong to myself and they will not take care of the issues so this is a complaint to please show the proof of this these accounts if you cant provide me the proof they need to be removed because one again they Do Not Belong To Myself the law states that if you can not show proof they must be removed from the report thank you
In XX/XX/XXXX my father refinanced our home to pay off some remodeling debt. He signed this loan not knowing what a negative amortization loan is. Over the years He paid the mortgage on time never missing any payments but only making the minimum payment on the loan, without knowing that the balance of it was getting larger. So then the loan was sold 2 separate times. My father passed away in XX/XX/XXXX and I now have this loan which was automatically converted to an interest only loan with Nationstar Mortgage. I have been living in the house so I continued making the payments till suddenly the payment went from XXXX to XXXX. I do n't know what to do. I called the mortgage company and they told me that if they modify the loan it would only go to XXXX per month. I will soon be getting foreclosure notifications. I asked them if they would take partial payments and they said they would just sit in limbo. I know that Neg Am and Balloon loans are illegal but I do n't know what I can do about it.
I have been contacted by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ext. XXXX regarding a debt through Castle Payday. I tried calling Castle Payday about the account, but it refuses to forward to me a validation of debt. Meanwhile, this person from XXXX keeps calling my employer, family and friends stating that I have committed fraud. The people of XXXX will not give me their address, fax number or email address.
I have been contacted about a debt I do owe. I have tried to call and make the payment but their office is " not authorized '' to take my payment. I have tried to pay on line but the service responds that I am unable to pay over the website and must call. I have been provided a number to call that is authorized to take my payment but the phone number goes directly to a voice mail. I have now incurred over {$50.00} in late fees and am unable to make a payment.
I have attempted multiple times to get an invalid collection removed from Equifax and   XXXX   (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly bil led ( 2 bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ...  XXXX  removed one of the bills, but not the other. Both bills should be removed. Equifax has not removed them at all, and keep stating they are valid- which they are not.
Equifax sent a letter saying my ID didnt match their records. Yet I sent all the required ID copies! So they did not respond to my requests!
XXXX XXXX XXXX is reporting a debt in the amount of {$7100.00} to XXXX & XXXX credit bureaus. The account is reported as open on XXXX, and closed on XXXX. I have requested validation of this debt in writing twice ( XX/XX/XXXX, & XX/XX/XXXX ), and filed disputes with both credit reporting agencies. Neither of these actions have provide verification that I owe this debt.
Bank of America closed my accounts without my knowledge and has not sent out my money as promised. It has been since XXXX 2014. I had a business account : XXXX XXXX XXXX and a personal account. They owe me {$500.00} of my money which was never returned. I keep getting the run around from this bank. They claimed they sent out cashiers checks on XXXX occasions. It does n't take 6 months to receive a cashiers check. Please help me get my {$500.00} back! It was closed because of XXXX XXXX XXXX.
This is a complaint against Cavalry Portfolio Services. I was victim of identity theft, I did everything I had to do to follow the law and made a police report, I made an affidavit of FTC with all the evidence that my identity and social security was used in a fraud matter and adjacent my permission. I sent this all this agency a month and the agency 's response was that they ca n't do the investigation because they need more evidence but there is nothing left to do and they do n't want to cooperate with me and my problem. I have done everything I have to do and more, but they still do n't want to cooperate, this is affecting my life physically and emotionally because i ca n't open any accounts in any banks because of this, and this is of course this is affecting my life negatively because I am a single mother and I would really appreciate your help in this case. I thank you for anything you can do to help me.
Due to loss of income ( I am XXXX ) - I have been struggling to keep up with my mortgage payments. In XXXX, each month my mortgage was paid on time. In XXXX, I fell behind in XXXX. As of today, XXXX/XXXX/XXXX I owe the payment for XXXX, XXXX, and XXXX. Today, the mortgage company told me if I do not make a payment today, all 3 payments will be due on full by the end of next month and my mortgage will be forward to an attorney to start the foreclosure process. I advised that I applied for the Hardest Hit program, and they still advised they will proceed with the foreclosure.
IN REGARDS TO EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX THIS ADDRESS DOES NOT AND HAS NOT BELONGED TO ME. I AM IDENTITY THEFT VICTIM AND EQUIFAX HAS NOT MADE THE CORRECTIVE ACTION TO REMOVE THE ADDRESS WHEN I RECEIVED THE UPDATED CREDIT REPORT IT STILL REMAINED. THE ADDRESS IS A FRAUDULENT ADDRESS AND FRAUD WAS COMITTED WITH IT IN MY NAME SO REMOVE IT.
The company has the debt on my credit report as well as my twin brothers credit report. They think we I am Using an alias. The debt is not mines or his. The company wants us to pay them {$410.00} for the debt. It was first reported on my account when I noticed I was a victim of identity theft in XXXX 2016.
Thank you for taking the time to read this issue. On my credit reports ( XXXX XXXX XXXX XXXX has Charged Off/Transfer my account to a collection company XXXX XXXX XXXX. I filed Bankruptcy in XXXX XXXX. In XX/XX/XXXX my loans were in Forbearance, due to Unemployment. My other XXXX loans were all in Forbearance during this time. I am not sure how XXXX XXXX could charge off and put my loan in a collection agency while loans were in Forbearance. I have called XXXX and was directed to contact XXXX ; I contacted XXXX and was then directed to contact Georgia XXXX. Any assistance that CFB can provide will be greatly appreciated.
Spoke with Creditor who verified accounts were  not mine and would be removed. Transunion is still reporting these accounts  XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX
I was contacted by XXXX phone number XXXX saying I was eligible for the obama student loan forgiveness program. Spent over an hour on the phone and doing electronic signatures. My first payment of XXXX was done through XXXX which made me suspicious.
Midland funding is sayin I owe almost {$3000.00} but Ive never done any business with them or even heard of them its hurtin my credit Im tryin to buy a house
XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
I just was made aware of the CFPB 's Consent Order against XXXX ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by XXXX in the amount of {$3600.00}. XXXX did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by XXXX along with my XXXX credit report showing negative action from XXXX.
This event took place starting on XX/XX/XXXX, just days before XXXX. I took a broken item back to XXXX for a refund, which they granted without any argument. The money was immediately put back into my Amex Bluebird account. 

But NOW Bluebird is withholding the money from me. I am not a wealthy man. I can't feed my XXXX-year-old and XXXX XXXX XXXXyear-olds now ( not to mention myself and my wife ) until either the next time I get paid or Bluebird lifts this hold off of MY money. 

When I attempted to call customer service to remedy this problem, I was escalated to management 4 times. Their customer service phone system is essentially non-functioning. I was disconnected every time. I spent over three hours attempting to have a full phone call with them. ( And this isn't the first, second, or even 50th time I've had this problem with their phone line. ) At one point, a service manager on the other end sounded like he was going to do something to help, but of course I was disconnected before anything could happen. 

The amount in question is {$140.00}. And while that may not  sound like much to some people, it means food or no food in my home. XXXX  refunded this money to me, not to American Express Bluebird. This hold is irrational and unreasonable. I know that there are ways that a bank can bypass their hold policies, but the company refuses to work with me. I have nobody, or nor way to borrow the money from anyone until the 7-14 day waiting period on the hold is over. 

The main reason I use this card is because they reportedly give you access to direct deposits up to two days early, as soon as the deposit is authorized. They don't even do THAT anymore. And I happen to know that my weekly, Friday paycheck is authorized every Wednesday afternoon, like clockwork. They used to give me access to the funds on Thursday morning. Not anymore. Not for many months now. They're falsely pushing a fake account benefit in order to sucker more people into signing up.
I opened my account around XXXX of this year and so far I've had hundreds of dollars ( around $ 300+ ) in fees, of which at least {$68.00} were the fault of Chase for  miscategorizing transactions and charging me an overdraft fee for transactions that should have been declined if the money wasn't in the account. 
I was told that they can only refund {$100.00} in fees per customer, whether or not it's the bank 's fault. 
Most recently on XX/XX/2018, I received a {$90.00} " cash advance '' fee which I didn't know existed after funding a new bank account with my debit card. 
I was told there was no way to have it refunded because I had reached my maximum amount of fee refunds.
After reviewing to response that I have received from Transunion, I do not believe there has been a complete investigation done. XXXX is the only credit reporting agency that continues to report false information and has provided my credit report to over 20 businesses without my consent. Based on both the FCRA and the FACT Act, I understand that Transunion has been violating right I am entitled to. There should be no reason that my credit has been provided without my consent. I have uploaded my report, and it shows that Transunion has failed to remove this information and that they have been providing credit reports without my consent. Additionally, after redisputing this with them, they have failed to act within the consumer protection laws, and need to rectify the situation. I have no idea how inquires keep showing up on my report without my consent. The security freeze I have on my file should prevent this, but Transunion has failed in doing so. I have outlined the information in red that I have attached and I should no longer be affected by.
I have ask Experian to delete negative information from my report. Experian send me my disputing results were it saids that all negative personal information has been deleted but has not been done as described under Results.
Approx XX/XX/17 is when this started. XXXX would call 10-15 times a day. in XX/XX/2017 I stated getting calls from Weiss and associates at my place of employment. In XXXX when I returned to work after the break there was 10 messages. I called them back they threatened criminal  charges if I did not provide them a checking debit card to make payment arrangements. I asked them to send it in writing and told them I wasn't going to provide my debit card information. They said it was that or a prepaid debit card but that was my only option. They continue to call daily and block their number so it appears as unknown.