WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a checking account with  XXXX  Bank since  XXXX , and refinanced my outstanding credit card debt into a personal loan with  XXXX  Bank in  XXXX . I have diligently made my monthly payment via automatic payments since disbursement, with no missed or late payments, and have paid extra when I 've had the ability to. My father very recently passed and a result my financial situation has drastically changed in order to assist my family with both the expenses of his services as well as the household expenses while we grieve. I have tried to adjust the automatic payment from my checking account to my loan account  ( $  XXXX  on the 6th of each month ) multiple times, and am consistently given the run around. My branch tells me I need to call corporate, and corporate tells me I need to go to the branch, and each of them tell me it would require me to fill out paperwork and submit a request to adjus t my due date. That being said, I have continued to make the payments on time without complaint. This month, however, having this pull would have caused an extreme financial hardship. I called the branch and explained I did not authorize the ACH to pull this month as it would leave my account overdrawn with no funds available for  XXXX  weeks, and I was told the request would be submitted and it would be all set. However, the ACH was still pulled and now my account is in the red. I called  XXXX  Bank 's customer service today and was told in no uncertain terms that there was absolutely no way for me to have them reverse the transaction despite me revoking my authorization. According to TD, I would need to request adjustment/cancellation paperwork  XXXX  business days in advance, complete it, and then mail it back for review. Even if I were to request it now, my  XXXX  payment would still most likely pull as they are making it impossible to make ANY adjustments. I desperately need the   XXXX   XXXX   ACH reversed as soon as possible and some sort of realistic method of adjusting my ACH when necessary.
I have been receiving phone calls from several different numbers from Sterling Jewelers Incorporated. They are calling repeatedly at least every hour, to half hour during the day. It has become annoying and inconvenient. They call when I am at work, or when I am still in bed after working second shift the day before.
I am making a final goodwill attempt to have XXXX and TransUnion to clear up this matter. They have sent back verified and entirely inaccurate, unverified and represent a serious matter in their credit reporting that they maintain under my social security number. 

Also, please be advised that this is my second time contacting them both about this matter in writing. These companies are in violation of 15 U.S.C 1681. They both have XXXX XXXX reporting as the verification 3rd party, they have no permission to furnish any information on my credit report in the first place. Also note that third party verification systems also known as Pacer.gov, The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.

Because FCRA Section 623 ( a ) ( 8 ) allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is innacurate by requesting an investigation be done by the furnisher to prove the accuracy of what has been reported. The courthouse listed on the reports responded that it did not provide this information to either bureau, and XXXX  promptly deleted it.

FCRA Section 611 ( a ) ( 2 ) requires Transunion, XXXX  and XXXX XXXX ( which attached document shows XXXX   XXXX attempted to dispute this with Transunion and XXXX ) to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX XXXX and Transunion report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
I am repaying XXXX debt to a law firm. I have made two monthly payments on each. Now another law firm at the sAME ADDRESS WITH THE SAME SIGNATURE AT THE BOTTOM OF THE PAGE IS TRYING TO GET ME TO PAY THESE SAME DEbts with them. Is this leagal?
I am over 12 months behind on my mortgage. I have tried calling, emailing, leaving messages ... no one will return my calls or email. ( Ditech financial is the company ). Literally the 2-3 times I have actually gotten to talk to someone they have been rude and no help. One lady even laughed at me while I was on with her because I was so far behind. I bought this home new in XX/XX/XXXX, I have raised my kids here and I owe less than $ XXXX on it and I am going to loose my home because they refuse to work with me. The couple time I spoke with someone they told me that if I could not pay the WHOLE pastdue balance dont bother sending anything at all because they would still foreclose!!?? Really??? who says that!!!! You can go here and read their review and you will find that 95 % of their customers are being treated the same as I am. XXXX XXXX XXXX
I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - XXXX - XXXX, Experian XXXX, XXXX XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband
My loans are serviced through Navient. I was enrolled in an 18 month payment program in XX/XX/2015. I was to set up 18 months of payments at that time and to indicate the days the payments were to be deducted from my account. The main idea behind enrolling in this program was to help me become current with my loans. Everything went fine until I checked my credit report and found that the funds were misapplied and as a result it showed that I was delinquent on XXXX loans for 60 days ( it was reported in XX/XX/XXXX even though I had been making payments in the program since XX/XX/XXXX ). This affected the credit of both myself and my co-signers. To make along story short, I asked for them to look into it and reverse the delinquency but was first told that it was correct and there was nothing they could do. I received no notice ( though they said they sent something ) that they will not reverse the decision. Then I had to call and plead my case for several hours and finally was able to talk to someone. After this they reversed the decision but this is still going to show up on my credit report when it should n't have been there at all. This will affect me for the next 30 years as I buy a house or try to obtain credit for other purposes. It makes me wonder what other payments have been misapplied or otherwise mishandled leading to penalties or other financial ramifications. I add this in the hopes that it will further the case with Navient.
CAPITAL ONE ONCE AGAIN FAILED TO RE-INSERT BOTH ACCOUNTS ONTO XXXX. BECAUSE OF THIS WE HAVE TO CLOSE ALL ACCOUNT, AND FILE CHAPTER XXXX BANKRUPTCY NEXTWEEK.
SunTrust Mortgage keeps using a robo call system to try and collect a debt for a person I do not know and they do not live at my address, I have called them, I have mailed a certified letter, copy of letter attached along with return receipt, and they are still calling with there robo system several times a day and will not stop.
I am not satisfied with seeing an tem that hasnt been validiated on my credit report with accurate information and demand for the bureaus to remove it. If a collector is in power of any debt that needs attention, first it needs to be validated and ask that what is reporting on my credit to remove it ASAP.     All I expect is to hear back from the CRA 's that my item is off..
United Resource Systems has placed a debt of {$730 .00} on my credit report on behalf of  XXXX   XXXX   XXXX . I have no knowledge of this debt and I 've disputed it several times and they 've never provided support. I have NEVER lived in  XXXX  County. I moved away from SC in   XXXX  , how could this debt belong to me? I would like to have it removed  ASAPas it s impacting my credit worthiness.
Nationstar claims they are collecting a debt and or servicing a debt for XXXX as a result of transfer from XXXX. Nationstar has not provided a servicing agreement between them and the alleged noteholder. On XX/XX/XXXX, Nationstar 's counsel sent an abandonment of Acceleration referencing acceleration of XX/XX/XXXX that was accelerated by their predecessor. XXXX acceleration is irrevocable for the following reasons : 1. XXXX exercised the remedy to foreclose on the propoerty on XX/XX/XXXX. 
2. XXXX agent executed a foreclosure deed on XX/XX/XXXX. 
3. XXXX was awarded Judgment of Possession on XX/XX/XXXX. 
4. I detrimentally relied on the foreclosure sale and subsequent post-foreclosure eviction. 
5. I filed a lawsuit on XX/XX/XXXX, to stop a wrongful post-foreclosure eviction that is currently pending to date against Nationstar 's predecessor.
I have tried on several occasions to rectify this issue with XXXX.  They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with XXXX and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.
XX/XX/XXXX American Express closed my account without warning while under dispute due to the result of a severe case of identity theft I suffered and which had been reported. I provided American Express with a lengthy document outlining their adverse actions which were based on fraudulent information. I never received a reply to this certified document submitted on XX/XX/XXXX. The reasons given for account closure by American Express were due to my suddenly decreased credit score which was due to fraudulent information being reported by XXXX in response to credit card fraud.

After my accounts were closed, I received correspondence from American Express as well as verbal acknowledgment on several recorded phone conversations that my rewards points would be cashed out and applied to my remaining balance as long as the account was current. I consistently made payments to equal to the balance minus the disputed billing errors which should not have been held responsible for. Despite the account being held current the rewards points were never applied to the balance. Additionally, American Express closed out the billing errors being disputed stating I failed to provide the requested documentation. This statement, however, was inaccurate as I provided all the requested documentation when initially filing the dispute. These documents, despite being uploaded directly through the American express portal seem to have been consistently lost by the billing dispute agents working the case.

The balance on my Amex platinum card has been paid in full and never past due or delinquent with the exception of the amount in dispute. I even paid the balance which should have been removed by the redemption of my rewards points.

To summarize, American Express has taken adverse action based on fraudulent information resulting from reported and documented identity theft which has almost all been corrected. They were notified of the identity theft via certified letter which was never responded to and even closed an account in dispute in violation of consumer protection laws.
Transunion is preventing from access my annual credit report online, as well as preventing access to my state security freeze option by preventing me from " registering '' to their site. As Transunion has now added site specific registration for all facets of their system, without the ability to register, I have been blocked from all Transunion online access.
On  XXXX   XXXX ,  XXXX , I was approved for a {$680.00} monthly IBR payment based on my tax information and ability to pay  (  see attached letter ). My status has not changed since that time.     I have paid {$680.00} each month using the  Direct Debit  feature ( see attached document ). Occasionally, I will pay a little bit more in monthly finances allow.     My most recent Monthly Statement indicates I continue to owe {$680.00} per month under the terms of my IBR  Plan   (  see attached letter ).     FedLoan Servicing unilaterally and without warning/notice increased my monthly  Direct Debit  amount to {$1300.00}.     If there was supposed to be a change, FedLoan Servicing did not send me any emails or letters. The last account-related email I received was tax documentation  XXXX   XXXX   XXXX  see attached ).     I wrote and demanded an explanation on  XXXX   XXXX ,  XXXX  ( see attached document ). FedLoan Servicing failed to respond. I sent a followup email on  XXXX   XXXX ,  XXXX . The reason I wrote was because I wanted any and all explanations in writing in case this happens in the future or in the event a service representative reneges on promises or assurances  (  unfortunately, this is common with student loan companies ).
In XX/XX/, I retrieved a copy of my credit report. I noticed that the XXXX XXXX  XXXXNelnet was reflecting that I was 90, 120, and 120 days late respectively for the months of XXXX through XX/XX/. I immediately began the dispute process with the credit bureaus. The responses were that these accounts were verified as accurate. To that end, I reached out to the Office of Consumer Advocate for student loans ( see attached letter ). My primary concern is that for all of these accounts in XXXX of XX/XX/XXXX, I was ok with my payment history, yet in XX/XX/ ( 30 days later ), they reported that I was 90 days late. How so? 

In my communication to Nelnet, I specifically stated that I keep all of my records regarding student loans and I take full responsibility of my obligations ; however, I would like them to investigate their reporting for a mistake made on their end. Further, I requested that they provide me copies of all supporting documentation that substantiates the accuracy of their reporting. To date, to no avail. It has been well over 60 days from my initial request to them and I am yet to hear anything from them. I sent my dispute/request for investigation letter to them certified with a return receipt, yet I have not received any acknowledgement from them. The entries are not inaccurate and appear to be unverifiable given that I have not heard from them ; therefore, I am requesting that the status of my payment history reflect that I was ok and current for the months of XXXX, XXXX and XX/XX/.
Please see the attached document with the full explanation. This venue is too short for the events that have taken place.
I called and spoke to representatives on numerous occasions and advised of my only name and address that should be on credit report. They said they were unable to do that. XXXX and XXXX had no problems updating the information. ( license attached ) They also will not remove XXXX hard inquires from " XXXX '' despite emailing and faxing a letter from XXXX stating they did pull any hard inquires. ( letter attached )
I requested a validation of debt from a collection agency and the sent me information that violated HIPAA. They documentation showed procedures that was performed. I never gave permission to that collection agency to have access to any part of my medical records.
TD Bank NA failed to disclose the requirements to avoid a monthly maintenance fee for the Simple-Savings account at time of opening the account in XXXX XXXX 2016. The $ XXXX monthly fee had been waived for the duration of my account during the first 12 months because I made sure to maintain a linked checking account with a savings deposit of {$25.00} per month to the savings account. There was no minimum balance requirement, and at no time did this account exceed {$100.00} during this period and no fees where charged.
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After the first 12 months, the bank began charging {$4.00}. The only mention of this change in the opening account agreement was that the avoidance requirements expire after 12 months. This text was printed in small type on page 20 of the 30 page personal account agreement document. The maintenance fee avoidance policy published the bank 's website today specifies a minimum balance of {$300.00}. This introduction of a minimum balance requirement was rolled out silently since I opened the account. Had I been notified in writing beforehand, I would have either deposited more funds to meet the new minimum or closed the account. Had the details of the first 12 month expiration been clearly explained, I would have complied or decided against opening an account under such terms.
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I believe the {$8.00} withheld from my account over the last two statement cycles is unfair and constitutes bad faith dealings. The fee schedule was not clear when I opened this account. Opening the account without full and advanced knowledge of the future fee structure following the first 12 month period results in unexpected charges that are an unplanned for burden on the savings account holder. Multiplied by all the account holders in my situation, the bank has effectively increased its revenue and capitalization simply by changing its policies surreptitiously without full consumer consent.
This loan was discharged in Chapter XXXX bankruptcy. received a call from XXXX  regarding this debt. I am requesting a debt validation as I do not owe this debt.
This company is reporting a collection on my credit reports that I have no knowledge of and they have n't provided me any information to what it 's in regards to. I sent them a debt validation letter once I noticed the collection on my reports and have yet to receive any correspondence from them, including the certified mail return receipt. I know my rights as a consumer and they have broken laws that are under the FDCPA, and I wo n't hesitate to pursue litigation against them.
What is the complaint about? 
My complaint is about a credit card that I owed in 2007, in the amount of {$3000.00}. I received this credit card in 2007 and I used the card to purchase plane tickets to go see my husband, at the time, who had just gotten out of Basic training, in the XXXX XXXX XXXX. The agreement was that if I purchased the tickets, my ex-husband would reimbursement, after he got his sign on bonus, but he never got all of his sing on bonus, so we were not able to pay the credit card back. 
What type of problem are you having? I took out a personal loan to pay off my credit card debt and Enerson Law, LLC, placed a bank levy on my checking account and took {$8500.00} from my account. The Law firm sued me on behalf of a company called XXXX , XXXX. This company bought my debt from XXXX XXXX. I was not able to pay off my credit card debit or my bills and maintain a living, because of the bank levy that was placed on my checking account. In addition, the original credit card was only {$3000.00}. I did not even know I was being sued, because I never received a letter, summons or anything. After the bank levy was placed on my account, I called the bank and the bank gave me information on how to contact the debtor. Only, then did I find out what I had been sued for. Apparently, the letter went to my Mothers house, and she had no knowledge, because she is XXXX. 
What company is this complaint about? The original debt was with XXXX XXXX but XXXX , XXXX bought my debt. 
Who are the people involved? The people involved are myself, XXXX XXXX XXXX and my children, XXXX, XXXX and XXXX XXXX, all of which had to suffer because of this hardship. The Law firm is Emerson Law ( XXXX XXXX ), XXXX , XXXX, the company who either bought my debt or a collection agency and XXXX XXXX, the original debtor.
I am writing you this letter to dispute XXXX late payment history from XXXX XXXX XXXX due to their loan modification program that I did n't sign up for. In XXXX XXXX I was approached by XXXX about being qualified for a loan modification. I declined the loan modification, only to have XXXX hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XXXX/XXXX/XXXX. I as well continue to receive letters from XXXX concerning my loan modification that I never signed up for. 

I spoke with a XXXX rep XXXX XXXX, XXXX XXXX XXXX, and both reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XXXX XXXX XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee
I 'm not sure if this is considered impersonating, but I received a letter on XXXX/XXXX/2016 from XXXX XXXX. The letter stated I owed over {$1600.00} to XXXX. I have never had XXXX in my life. They spelled my name wrong, and I ca n't get a hold of anybody. I also called XXXX, and talked to the collections department, where they could not find my name, the name it was supposedly under, or anything of that nature, and they were looking at every account they 've ever had. XXXX ( who I supposedly had the account with ) has no record of me whatsoever. When I asked if they do business with XXXX, they stated they do business with XXXX in the state XXXX so if I ever did get a collection notice ( which, she stated, was impossible from XXXX because she looked, and I never had an account ) to disregard it, which is exactly what I 'm going to do. However, I would appreciate an explanation as to why this company is exploiting and butchering my name.