WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX with XXXX Bankruptcy XXXX. My discharged date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Global Solutions, XXXX. They are representing a payday company. I asked her who is the company but she said it so fast I did not understand her. They also called my son. I called them back on XXXX ext. XXXX an spoke with XXXX. I advised her that I had filed a Chap.XXXX She advised me that I had committed fraud. I hung up on her. She proceeded to call me back but I did not answer the phone. The phone rang at least 10 times. I called the lawyer that I had file the Chap-XXXX with and was advised to report my complaint to you because it was a scam. Please help me.
I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2018, XX/XX/2018 for my Wellsfargodealers account.
I was offered a credit card pre approved. them I filled it out. When I received card XXXX dollars was due. Once the first year ends it is 10 a month. I never activated card, when I received a call from the company. They told me they would cancel card and refund the XXXX. 4 months later and account is open, never have I charged on card. Charging 25 % of limit was not on the application. Otherwise I would not have applied.
I am in the process of applying for a mortgage. A brand new negative entry for a collection account from " XXXX '' has recently been added to my Equifax credit report, approximately 2 weeks after the mortgage application. I have never had an account with XXXX, and date of last activity for the account is listed as XXXX 2013. I have never been contacted by XXXX, no phone calls, no mail, no emails, over the years that have past since XXXX 2013. This means I've had no recourse to dispute validity directly with them, and so it appears to be in violation of the FCRA. Unfortunately I have no documentation to send with this complaint, because I've never been provided with any information on this account.
My daughter financed a car from CNAC Carnow Acceptance Co XXXX XXXX XXXX XXXX, MA XXXX and XXXX Byrider. She payed all her car payments and her insurance company mailed them the check for the value of the car. Although she did not have GAP insurance CNAC has told us that my daughter 's loan will be paid in full and she will not owe any $ to them. When going to a different dealership to get her another loan and car CNAC will not give us a written letter stating that my daughters loan is paid in full. We have called numerous times and asked for something in writing that states her loan is forgiving and paid so she can get a new loan elsewhere and they said that we can go through them to get a new loan because they know the loan is paid but will not let her go to another dealership to get another car. Why wo n't they give her a letter stating the fact that her loan is paid so she can get a new loan? Please help!
Fixed interest rate of 15.41 % flucuates frequently. At 15.41 % Fixed, interest should calcuLatE to no more than {$100.00}. 
HOW ARE THE amountS of interest in excess of {$200.00} per month or from {$90.00} to {$250.00} a month GOING TOWARDS INTEREST? Clarify these amountS and where is the rest of the money going??? My payment are {$690.00} a month and and you deduct {$700.00} every month where is the credit of {$2.00} going as well as the miscalculation in a fixed interest RATE OF 15.41 %???????????
My complaint is about a dental practice that pushed particular credit source funding for services with inflated service and credit costs and several improprieties that occurred in that process, and it is about the credit companies themselves and their predatory nature in offering credit to someone with a terrible credit rating. As a consumer, I was lied to, pressured, and inadvertently trapped into a horrible debt situation that I had stated repeatedly that I could not take on and did not want to take on. I gave in to pressure that should never have been applied and made bad decisions based on dishonest information given to me.
On or around XX/XX/17, we initiated a no-cash-out refinance application with Towne Mortgage. Since I am a XXXX veteran, and on a fixed income, I only wanted to reduce my mortgage payments by eliminating the PMI on our current conventional mortgage. We have been waiting on a closing date since XX/XX/XXXX, and have now been advised that we will be denied for the refinance due to ONE late mortgage payment. We were given the opportunity to explain the late payment, which was caused by clicking on the wrong date on the website when setting up a payment. We have had the home inspection, provided the appropriate documentation and other subsequent documentation. We feel that the denial reason that Towne is giving us suspect and feel they are engaging in discriminatory practices. Why would they schedule a costly home inspection without everything else being In order? Doesnt seem like a reasonable business practice ; why allow us the opportunity to explain the late payment if the explanation would be discounted? Please investigate and to why this refinance went sideways.
i contacted midland credit management, inc on XX/XX/XXXXabout debt owed from a credit card that i never owned and they said they wo n't dispute it because it was a charge off and is in collections. the amount it says i owe XXXX from XX/XX/XXXX which it was reported originally from XXXX. i told them i never stayed at the adress listed. i also tried to have it disputed with a 609 letter and they sent me a statement with no valid proof.
I have a Bank of America credit card. My issue with BofA is the stance they have taken preventing me from purchasing guns and/or ammunition using my BofA card, and from companies doing business in areas of guns, firearms, and ammunition. I believe this is in violation of my rights through the Constitution. 

If this BOA policy is not rescinded, I will close out my BOA credit card.
I have requested proof of how the following accounts were verified : 1. XXXX XXXX XXXX.-Account # : XXXX 2. XXXX XXXX # : XXXX ....
The issue I have been dealing with involves my escrow account and what I am paying into it. I have been paying into this account since  XX/XX/XXXX . When I took on my mortgage I had to file homestead and mortgage exemption ; once property taxes where due in  XX/XX/XXXX  the amount due was adjusted.  XX/XX/XXXX  Taxes have been paid and I have well over the amount in my escrow to pay HOI premium and  XX/XX/XXXX  taxes. My mortgage company will not re-adjust the amount I owe each month to put into my escrow account. Now they plan on taking over {$1300.00} of my money and holding in an account that will not be used for anything. Taking and holding the money until the end of the year, then producing a refund is counter-productive. I totally understand taking out the appropriate amount each month for  XX/XX/XXXX  taxes and HOI bills, but the amount that is being taken out now is excessive. I feel that my rights and finances are being taken advantage of. I have attached my most recent mortgage statement with the date  XX/XX/XXXX  Taxes were paid and current escrow balance ( that covers HOI and  XX/XX/XXXX   tax bill ) , my HOI  XX/XX/XXXX  page with the amount of my yearly premium, and my State Tax bill that has  XX/XX/XXXX  (  spring  ) and  XX/XX/XXXX   (   fall  ) amounts listed.
I am so confused why XXXX XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
this is spotloan which is another predatory type loan sucks you in and cost way more then it should. I have already pay to date XXXX and still have at least XXXX payments leave. it sounds good at first because it is a low amount they take out every two weeks but it is not a good loan. can not pay back at one time so that is where they hurt you on the loan. they charge for there loans 450 % of loan with payments XXXX over lenth of time. can they do that. i now know better on these loans but at the time did not know and needed the money due to finance issues.
I recently received a personal loan from Sofi in the amount of $ XXXX. I responded to marketing and in 48 hours the money was in my bank account. The problem, I am a XXXX XXXX and felt there were no controls in place ; e.g., co-signer from a spouse, etc. that protected me. 

When I emailed the CEO on XX/XX/XXXX of my predicament I received the following response. 

Hello XXXX, Thank you for reaching out to our CEO. I was forwarded your email so I could reach out to you. 

I cant imagine what you must be dealing with right now. I would like to take the time to speak with you in more detail about the situation you are facing. Is there a good time in which we could schedule to speak? If its more convenient, you can reach out to us at XXXX and ask to speak with me directly or anyone in the office of the CEO. 

I look forward to your response. 

Best regards, XXXX XXXX. 
Social Finance Inc. 
XXXX ****END OF MSG**** Subsequently, I called Sofi and spoke to someone else in the front office who was rude and aggressive in stating, you signed these documents you must pay. XXXX XXXX on the other hand did return my call and was apologetic that there was nothing he could do although I do value ( and trust ) his follow-through. It is the management policies of Sofi that are dishonest and why I want to pay off the loan I have with them with another vendor at a significantly lower rate.

At this point I am trying to pay off my loan with another vendor and that vendor tells me Sofi does not want to participate. It is my perspective that Sofi is a predatory and against the standards of the Consumer Protections Financial Board. 

CFPB should validate their controls and how they work with individuals with difficult circumstances which would validate the ethics and authenticity of this company. 

Thanks
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
OnXX/XX/XXXX and XX/XX/XXXX I applied for an XXXX XXXX XXXX XXXX  card issued by Chase and was denied both times. As of XX/XX/XXXX I still have not been told why I was denied and have not received any information from Chase about what I can do to obtain that information. I have tried to call the number on my credit report XXXX but that number requires that you enter your 16 digit card number to get assistance and since I was denied I do not have that information.
We received a call from the XXXX XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX XXXX XXXX office told us they had several calls on this topic today.
i have bean consumer for chase bank for long time. on XXXXX/XX/2010 chase closed all my account. I try very hard to know the reason. I never got the reason for that. 6 month ego friend of my. witch she open for me home equity loan. she explain to me. a company under name wide world.witch going law suit for five years. opened a account under my name. and thy do. not legal transaction. no one info me about that. I am stile have closed account. for 13 years I paying monthly payment. I asking to open my checking account my three credit card and my equity loan. I cant pay my bill. the chase bank no take cash. for me this is not easy for to pay my bill.
I am currently a customer with Bank of America and recently was accessed overdraft fees on transactions that when posted to my account had a positive balance. After review of my account it was observed that Bank of America charged me an overdraft fee for a Check # XXXX and for a pending transaction to XXXX that has not processed to my account on XXXX XXXX, 2016. At the time of both transactions my bank account balance had sufficient funds to cover both transactions and this supported by the review of my online statement through online banking. When I spoke to the customer service provider on XXXX XXXX, 2016 at approximately XXXX I was told that the fees were being accessed because my available balance was negative in my checking account, but when I reviewed the account the transaction pending for XXXX was the only transaction that overdrew the account. In addition Bank of America charged me XXXX overdraft fees on transactions that posted to my account when the available balance was positive. 
I spoke with a supervisor who also confirmed the same thing and when I requested to speak with another supervisor or consumer relations they stated someone would have to call me back. I refused this and continued to request, but was denied several times. When I informed them that I was going to file a complaint with the CFPB I was then placed on hold in order for the Bank of America customer service representative to get me to the right person. The activity on the account has still not been clarified and no resolution has taken place at this time as they are still not able to provide me with a sufficient reason as to why the account overdraft fees were accessed. The call center for Bank of America is allowed to see more detailed account information, but I am limited online to what I can view which makes it difficult to argue my issued.
National Credit Adjusters has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX ) I attempted to transfer my Ultimate Rewards Points from my XXXX XXXX XXXX card to my husband 's XXXX XXXX XXXX XXXX account - note that these are separate account lines and not additional authorized user accounts. 

XXXX XXXX While this is possible online, the UR website returned an 'unexpected error '' whenever I tried to add my husband 's credit card in order to initiate the transfer. I called I called XXXX on XXXX/XXXX/XXXX to ask them to manually transfer. 

XXXX XXXX The agent informed me that I would need to add my husband as an authorized user to my card or vice versa in order for us to transfer and that she can not complete the request otherwise. 

XXXX ) Note that this option is not free - an annual {$75.00} is charged for this particular credit card to add an authorized user. 

XXXX ) The terms and conditions of the card clearly state that Ultimate Reward points are transferable within the same household with NO OTHER PRECONDITIONS - and my husband and I have the same billing and mailing address etc on file with XXXX. No where do the terms and conditions state that a transfer of UR points between household members requires the members to be authorized users! 

XXXX XXXX My husband had successfully transferred XXXX XXXX to my account from his on the same day without having added me as an authorized user to his account - so the solution in # XXXX can not be true. 

XXXX ) I calmly explained these facts to the agent who was unmotivated in arriving at a solution other than to tell me that I need to add my husband as an authorized user.
A collec tion agency Account Resolution Services is reporting information to all the credit reporting agencies (   XXXX   XXXX   XXXX   ) regarding collection accounts that they are not license nor bonded to collect nor report on according to the secretary of state website.. I have contacted the agency and requested that they stop reporting information that they are legally not able to do  so.
I am in debt over XXXX dollars. I have tried for years to repay my loans but every time I seem to hit a roadblock. Over the last few years I have had no success in even starting a repayment plan due to the bad guidance from Navient. Every time I called I would get different advice .... at one point last year I was told there was nothing that I could do but to continue and keep my loan in forbearance. Now I have thousands of fees of just interest and in addition my credit has been affected negatively due to Navient erroneously reporting my payments as XXXX plus days late even after I called numerous times to extend my payment deadlines, but due to lack of follow up I never got the help I needed. Finally last year I made a small step forward and consolidated all my loans to make it easier to navigate with Navient reps my options. Even after this the income based repayment plan is made for failure. It 's almost as if they make it extra hard for someone to get this process done so I can remain in forbearance. I 've even offered to pay at least XXXX a month but I 've been told unless I can pay XXXX or more a month there 's not much we can do. Finally two months ago again I qualify for a lower payment via income based repayment, but now the system set up online is asking for my spouses sign off ( even though it never did before and we 've been married since the last time I applied for IBR ) ... so I 'm back at square one. I just wish that there was a better way to this. I hope someone reads this and finds a way to help me I do n't think that what I 've been through is fair and how my credit and life and inability to buy a house due to Navients negligence is fair either.
I have disputed this debt that I have no knowledge of. I have submitted a police report to let creditor know that my information was compromised. This collection office has not validated this debt which is a violation of the FCRA and my rights as a consumer. They continue to report this inaccurate information which has resulted in denial for credit.
I had the citi XXXX XXXX card. I received literature stating the card would come to an end in XX/XX/2018 due to XXXX XXXX taking full rights to XXXX. They were replacing the citi card with an XXXX card. I already had that card. I had planned on keeping my citi till the end but in XX/XX/XXXX ( less than 4 weeks till the card expired ) citi billed me {$95.00} for an annual fee. I called them and explained I didnt understand why they were assessing a fee when the card was up in less than a month. The agent told me I could cancel it without losing my yearly weekend night bonus ( this bonus is awarded if you spend {$10000.00} in a calendar year which I had done ). They now refuse to give me my one free night certificate which I earned. This whole experience has been shady to say the least.
I submitted loan application data online for a debt consolidation loan, a " XXXX '', then received a call over the telephone from First National Bank Omaha, ( " FNNII '' ), XXXX. 

Subsequently, FNNI requested proof of identity, my active XXXX Drivers License and proof of address, a current year Utility Bill or a current year Bank Statement. 

All of my Utility Bills and my Bank Statements are set up to go to my PO Box listed on my XXXX Drivers License. 

I submitted my active XXXX Drivers License and my active XXXX Voter Registration Card which shows my name and my current physical home address. 

FNNI says they do not usually accept XXXX XXXX XXXX to comply with the " US Patriot Act '' rules. 

FNNI says that they can not process the loan without a Utility Bill or a Bank Statement! 

FNNI says that they are declining the loan because they can not confirm my identity or my physical home address.
I was not informed by XXXX XXXX XXXX that my mortgage was sold to Nationstar Mortgage Company. The only way I found out was to call XXXX when the payment was deducted from my autopay. I have since had extremely poor customer service from this mortgage company. They are now charging me fees that are not legal under my HUD contract with XXXX in XXXX.
My complain is with Transunion on why they allowed this company to do a hard inquiry on my credit report. I have tried to contact the with the company information that was on my credit but got a recording telling me to leave a message with XXXX XXXX but know response. I also follow up with certified letter on XX/XX/2015 requesting this company to contact Transunion to remove the hard inquired. I have not requested a loan, mortgage, or anything other credit transactions with this company.
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX/XXXX as no settlement could be reached. The second account was with Capital One acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( XXXX XXXX ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XX/XX/XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.
I tried to get my free Equifax credit report online. While going through their process, the application timed out and they are now demanding that I mail information to them with my ODL and social security number.
I filed for a 90 day free fraud alert on XX/XX/2017 through Transunion and was enrolled in a nearly {$20.00} a month credit monitoring service without my knowledge. This very thing also happened to my wife on the same day.
I have recently found that I was the victim of identity theft/fraud/unauthorized use of my XXXX XXXX credit card accounts. I then obtained my credit reports and have found the following inaccurate information which I demand be immediately removed from my credit reports. 
Creditor : XXXX XXXX Account Numbers : XXXX Balance : {>= $1,000,000} Balance : {>= $1,000,000} Balance : $ Status : Past Due XXXX/XXXX/XXXX This information is inaccurate and false. These balances are the result of identity theft/fraud/unauthorized use of my XXXX XXXX credit card accounts. Upon realizing this I immediately contacted local law enforcement officials and they completed a police report. I have attached a copy of the police report from the XXXX XXXX Police Department XXXX XXXX XXXX for your review. XXXX XXXX has suggested you call him if needed at 717-274-Therefore, I demand that these accounts be removed from my credit immediately
This debt collector keep calling my home phone. When my dad or my mom picking up the phone they hung up. They were bothering my parent resting. Also, they keep calling my cellphone in the morning, afternoon, and in the evening past XXXX XXXX. I spoke with them before on the phone, they 're aggressive and had an attitude at me.