WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently in student loan rehabilitation program, and have made2 payments in XXXX, and1 payment for each month there-after, for a total of 6 on-time payments. According to my calculations I have no more than 4 more payments left to fulfill my student loan rehabilitation agreement. In XXXX  I had an income change, from $XXXX per year to $XXXX per year. I contacted both US Dept of Education, and Coast Professional Inc, the servicer of my loan, and was told to complete a new financial disclosure form. I submitted all documents asked for. I recieved a new payment amount of 5 times higher than previous amount and was told that all previous payments I have made are now NULL and VOID and that my repayment schedule would start ALL OVER AGAIN for another 9 month period> When I spoke to manager XXXX XXXX I told him that even the contract they sent me clearly states PAYMENTS BEGINNING- X/2017. I believe this is ILLEGAL,and I can find no legal written documentation to support what they are trying to do.1) my payment amount increased almost 5X from $XXXX  to $XXXXeven though my income only increased $XXXX per year2) they are trying to start my contract all over again, despite the fact I have already made 6 payments, and only have 4 more left.The contract sent to me also READS "PAYMENT PERIOD FROM X/17" This is a breach of contract.
Chase has violated there own Terms and conditions. I have a current, open, and active Chase Premier Plus checking account. Chase offered me this account because of my Military service. Looking at the Chase terms and conditions from the Chase document, " A Guide to Your Account '' for Chase Premier Plus Checking account holders, Page XXXX explains Overdraft fees. In particular, it states, " IF WE RETURN THE SAME ITEM MULTIPLE TIMES, WE WILL ONLY CHARGE YOU XXXX RETURNED ITEM FEE FOR THAT ITEM WITHIN A 30-DAY PERIOD ''. 
I have had {$34.00} overdraft fees that Chase has charged me from the same returned item within the 30 day window. SEVERAL times I have called and given Chase the opportunity to reverse these outstanding charges and credit my account back. My requests have been ignored and denied. I warned them that my point is validated and advised that I would have to take next steps.
Due to recent financial hardship I went over 90 days past due. So i got in contact with XXXX to set up a payment plan to bring my account to current, the deal that was made was {$88.00} a month no interest if I agree to close the account and stay current on payments if I failed to do so the deal was off so I gave them my bank account and routing number to take the payment and was settled from there I believe this occurred XX/XX/XXXX. On XX/XX/XXXX I went to pay and it showed a balance of {$300.00} assuming this was a error I called XXXX, and was told the the agreement was voided due to non-payment, I replied with the bill is not due till XX/XX/XXXX and they said the original payment was never made, I verified they had the correct account which they did so I proceeded to contact the bank to find out what happened since there was plenty of money for XXXX to take. The bank told me that there was never a transaction attempted by XXXX in that time line. I then called XXXX again and explained to them what the bank had told me and they refused to help me at that point trying to tell me the fault was on my end not theres. In my point of view they purposely did not run the payment to try and void the agreement to continue to collect the interest which I had said to the manager that I was speaking with and she just continuely said they are no longer willing to help me and proceeded to report me negative to the credit bureau, at that point I sought legal advise and was told reporting to you was the best course of action
My home was foreclosed on  XXXX   XXXX ,  XXXX  by the   XXXX   XXXX   XXXX   XXXX   an entity that does not hold ownership of my note. This problem on my home started back in  XXXX , when  XXXX   XXXX   XXXX  illegally assumed our note from  XXXX   XXXX .   XXXX    XXXX  went into receivership  XXXX   XXXX ,  XXXX   XXXX  purchased all the assets at that time and our note was not assigned to the   XXXX   XXXX   XXXX   XXXX  , however the   XXXX   XXXX   XXXX   XXXX   is claiming ownership.   I have prepared a document called CFPB complaint the   XXXX   XXXX   XXXX   XXXX   and Exhibits which I would upload making my complaint clearer.   I am uploading documents to the complaint which will give the true picture of what has taken place.
I never opened a XXXX  account. I asked this collection company to show me the wet ink signature and contract also to verify his license to collect in my state. This company only has sent me statements and has not proven this debt to be mine. I gave them 30 days to substantially validate and verify this to be mine. They have not and it's my right to be provided the evidence of said debt per fair credit reporting act. This is not my debt. My identity has been messed with. Please force this company to comply with federal law.
I received 3 letters from XXXX Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). 

Soon after receiving this information I submitted Dispute Letters to ( XXXX, XXXX, & Experian ) with the above derogatory account information on it that was given to me from XXXX. 

I received a response from XXXX dated XX/XX/XXXX ( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. 

I submitted another Dispute Letter only to receive a XXXX response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to XXXX , our records show that the information you disputed does not currently appear on your XXXX credit report. 

The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from XXXX credit monitoring. 

I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now XXXX dropped another 7 points! I work very hard to get where I am at. 

So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which XXXX and XXXX now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : XXXX, XXXX and Experian each received a letter from me disputing this account and asking for validation.
I wish to make a formal compliant against this finance company that I previously got a loan for XXXX years ago. I requested that the company come and get the automobile because, it was not worth the amount of money that I was paying and that the repairs were more than the car itself. this company refused to come pick up the car for several of months while I was still making payments on the car. I found out that this company has gone out of business, and then the car was sold at an auction for less than what was paid on it. I have contacted the credit Bureaus in reference to this being taken off my credit report because they are reporting this as a repossession.
Key Bank took over my XXXX XXXX account and current complaint # is XXXX. I wish to add a new complaint.
On XX/XX/XXXX, I made a payment to KeyBank Card for XX/XX/XXXXof XXXX today and learned that my card has a balance of XXXX XXXX. I only used my card once in XX/XX/XXXX ( no other card use since about XX/XX/XXXX ). I used this card to pay my property school taxes of XXXX ( plus a small fee ) to process that payment. I spoke to XXXX of KeyBank on XX/XX/XXXX to ask why is my balance XXXX? XXXX  said that on XX/XX/XXXX two purchases were made at XXXX XXXX XXXX XXXX. Two transactions made foXXXX XXXX and XXXX. I was not near XXXX NY I was in XXXX NY this is fraud matter! I want the person prosecuted and to see if there is a surveillance at that store to identify the culprit.
XXXX closed the old account ending in XXXX but the account to remain opened until the investigation is done which takes about 30 business days on their end. KeyBank Fraud Unit is XXXX.
I am irate that KeyBank did not notify me when these two transactions took place XXXX  states that because it was in New York they did n't feel the need to I disagree! I had the card in my possession. Note, I reported a robbery to XXXX County Sheriff 's Department in XXXX NY on XX/XX/XXXX as someone robbed my home in XX/XX/XXXX just in case there is a connection to this matter. They will credit my card back the two amounts  after the investigation.
My address is XXXX XXXX XXXX XXXX New York XXXX Cell is XXXX.
Thank youXXXX XXXX XXXX XXXX
I contacted XXXX XXXX XX/XX/XXXX to consolidate and to start repayment on an XXXX. It is XX/XX/XXXX and they have not processed my request despite several calls and assurances that it would be done within 30 days.
On XXXX/XXXX/2017, I received an email message from Best Buy stating that I made a purchase that I did not make. About 5 minutes later I received an email stating the order was canceled. I called Best Buy and the order was correctly cancelled, but obviously my account was compromised. I change the password to the account and they canceled the card and are sending me a new one.  However, I was encouraged to still file a report and to also report to law enforcement.
On or aroun d  XXXX - XXXX -17 I  called  XXXX  ( home equity loan ) to see if my auto draft payment of  XXXX  could be moved from   XXXX - XXXX -17 to  XXXX - XXXX -17. I  was told my  Loan has  been sold to  Select Portfolio  Services. I was told I would not incur any fines or fees during the transition and that it would probably be abo ut 2 weeks  befor e SPS  would contact me and not to worry about the payment. I looked them up immediately and decided I was going to help all the people they are currently ruining their lives.     I received the first letter from them on or around   XX/XX/XXXX . The letter is dated  XXXX - XXXX -17. The  letter asked for my and my wife 's SS number. I attached the letters. I called your office and spoke to  XXXX . I asked if I was obligated to send personnel information to them. She could not locate an answer but was very nice and aware of SPS and their fraudulent activity. I told her I would start a complaint but decided to wait until they tried it on me.     I recieved a " Hel lo Letter  " dated   XX/XX/XXXX  that o utlined my account. Yesterday I called SPS for the first time and spoke to  XXXX   XXXX . I wanted to know what the Unapplied fees were and why they were added to my mortgage payment. She somewhat explained that it was probably over payments from   XXXX   and I could use it towards my monthly payments or my late payments. I asked what late payment. She said I had a payment du e on  XXXX - XXXX -17 for  some  XXXX  dollars. I advised my first letter was dated   XXXX - XXXX -17 a nd no where on the welcome letter does it say I have a late payment. Right from the start they are playing a game to get my house. what should I do next
Someone used my personal information and identity to obtain medical and/or other services. I did not create this debt. I am a victim of identity/medical theft. I have reported this to the police and have tried several times to have them correct their records. They continuously send me someone else 's personal information, knowingly that this is a fraudulent account, which is violating the HIPPA Act PIH. The information is not mine nor did I ever authorize it. The signature does n't even look like mine. It is an obvious impersonation of my identity. I have sent them certified letters, ID theft police report and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. 
Attached are letters I have sent and correspondence that support my complaint and show I am a victim of ID theft, this is not my account.
My BOA card ending in XXXX hastily without warning got closed. My credit card had a 0 % APR promo that I used and I 've been paying my minimum on-time for 5 months. Then all of a sudden BOA decided to close my account without warning no call or anything. 

This is unacceptable as a consumer. My letter from them stated only they have the right to close it. There was no exact reason in there. And no chances given. I am a Preferred Client of theres too and now looking for other options unless they reopen my account.
Company appeared on my credit XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. 
When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
XXXX Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.
On XX/XX/2017 XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my Transunion credit report
This account has been bounced to over four collection agencies since XXXX, this case has exceeded California statute of limitations and is trying to be collected against rules and regulations of debt collection policies. I have contacted bank way back in XXXX and explained that they charged me overdraft fees on an account that was closed. Please help with this matter thank you.
th I have filed another complaint againt this company, Fast Bucks. In trying to get this issue with my bank account I called the store manager and she stated the she had the right to take my payment since i was due on the XXXX. I told her that I had a conversation with her last month and that she stated that she would not take the payment until the XXXX i told her that the XXXX i told her the payment would not clear until the XXXX she said she knows that but she was off yesterday so its not her fault. this woman was very rude and told me that i needed to calm down abd she would call me bacl now how is this right at all and we also deicussed in a previous convrsation that i am not paid until the XXXX what XXXX is paid on the XXXX i tried explaining that the other lady would just hold the payment untill the XXXX it was told to me that the due date could not be strecthed farther than that but they could hold the payment she is impossible to deal with
My bank ( chase Bank ) contacted me to report there was fraudulent activity on my account. They froze my card ( and called me to tell me there was suspicious activity ). I contacted them and reported I did not recognize transactions done in XXXX. They credited my account, then 2 weeks later, reversed the credit and informed me that since it was a chip, they had to deny the claim. I do not understand how the fact that it was a card chip, means that it was not fraudulent. I am disputing this still.
XXXX is still listed on my credit report with a debt owed to XXXX. This account has been paid and needs to be removed.
Professional Bureau Collections of Maryland Inc called my cell phone and left a message not identifying themselves. They then called my employer which was not information provided by me to them or information provided by me to XXXX. When they called my office, they refused to identify themselves. They called back again and still refused to identify themselves. The representative that was on the phone was a female and stated that there was no point in identifying herself. She was requested not to call back at that time. I called the number of XXXX back on my personal cell phone and a man saying that he was the manager got on the phone. I also advised him is not to call the employer and he has a good direct contact number for me that he may continue to use. I also advised him that I would be filing a complaint and he said to do what I needed to do.
I took out a Genesis loan to cover my last semester of my XXXX degree with XXXX University. I do not currently have a job and keep telling Genesis that but they continue to call me daily, badgering me to pay my loan. It is very annoying.
ACCOUNT RESOLUTION SERVICE # XXXXRecently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVICE has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITYAND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL MID OHIO to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 agency.
repeated phone calls by computer. I would answer phone and no one would be on the line, I would have phone calls in my voicemail that no one left a message. All the calls were identified by my caller ID so I know what one 's were from the same company. after a month or 2 of this I received a letter demanding payment for a debt I didn't owe. The next time the number showed up I would answer and no one would answer when I answer the phone finally today I just stayed on the line until someone finally came on it took a while but after getting company online they said I owed money to it was confirmed that I didn't owe any money. I felt harassed by their computer calls that I kept answering when there was no one on the phone or no message on my voicemail. This could have been solved with the first call if it had been a person calling me and not a computer
I had an auto loan with First Niagara who was bought by KeyBank. The merger happened XX/XX/2016. I paid my XX/XX/2016 auto payment electronically - which I have proof of from my financial institution ( it was paid via Bill Payment electronically ). I received a past due notice on XX/XX/2016. I called the number on the past due notice on XX/XX/2016 and questioned it. I was informed they did not receive my payment. They were going to submit a research request, which I was told would take 10 days. They were to call me with the outcome. I did not hear from them so I called again on XX/XX/2016. They still had not found my payment. I told them it was done electronically and I would provide proof of payment from my financial institution. I faxed over the proof of payment on XX/XX/2016 to the phone number they provided me. Each time I call it takes me at least 25 minutes on hold to get to someone in the loan department. I still do not hear anything. On XX/XX/2016 I receive another past due notice. PLEASE NOTE - I made my XX/XX/2016 payment with no problem ( so I am continuing to pay because that is what a responsible individual does - pays their bills on time ). I call again and go through the story again. This time they tell me they are going to expedite the research and it should only take 3 days. I confirmed the fax number again and faxed the information again. Now the fax has XXXX Service Request numbers! I still have not heard a word from the Loan Department at KeyBank HOWEVER -- I have had not one but two collection calls. I have explained my situation as nice as I can but I ask them " Did you even read the notes on my account? That I am having an issue and it is being researched? '' They could care less. In a nutshell I have done everything I can to help KeyBank find my lost electronic loan payment. They have not called me or made any acknowledgment that I have contacted them multiple times about this issue. They have done NOTHING TO HELP ME except for have collectors call me! I am very concern this is going to hurt my credit score but all they say is " we can waive the late fee ''. I ask you -- How is that going to help me when they report me more than 30 days late on a loan?. Please help.
What a nightmare to get someone who I can hear. It has only gotten worst instead of better.  Citi card does not care. 3 hours of no help again t oday. I am so exhausted by the timr help arrives.     The voice system is not clear either.  Overseas  is a nightmare too.     I was told my annual fee would be waived or a promotion.