WillisBack/dataset-financial-user-claim huggingface dataset:
I needed a loan to help with my finances and got one originally with XXXX XXXX. They then sold the loan to XXXX XXXX, who in turn sold it to Cash Call. XXXX XXXX has now ceased operations, and Cash Call is not licensed in the state of Tennessee. While I was aware of the financing terms upon taking this loan, I was not aware it was not licensed in my state. I was also not aware of usury laws and limits on percentage rates for loans. In looking up cases involving these companies, XXXX XXXX tried to use the affiliation with a XXXX as a way around these practices, but as shown when the CFPB sued them ( see attachment ) this did not exempt them from state laws.
I have an unverified account from BERKS CC. I had previously disputed this account. I have never done business with BERKS CC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BERKS CC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BERKS CC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
had requested experian to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
The addresses have been reported to Experian numerous of times stating that this is incorrect. They continue to publish these addresses regardless of my complaints.
For some reason my mortgage company SETERUS is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XXXX XXXX the next payment that was reported after that was XXXX XXXX.
RE : EXPERIAN XXXX XXXX XXXX Incorrect address on my credit report Dear CFPB : I called Experian in regard to an address that was not mine. Experian XXXX XXXX advised me to contact the creditor. I contacted the creditor and was informed of a system error on their part. Experian still has not removed this address from my credit report even though I had requested it removed. Please see the credit report that reflects the incorrect address. 

Please remove the address XXXX XXXX XXXX XXXX XXXX CA XXXX. The address is not mine and I never lived in California. 

Sincerely, XXXX XXXX
In USA the legal transfer fees commission is {$15.00} for all XXXXnstitution except for Deutsche Bank NY that collect 11 % commission which is illegal and abusive. What is interesting is the fact that the XXXX regulator XXXX has released a damming report into regulatory and compliance failures regarding benchmark rate rigging. Also it is not clear if this Abuse has anything to do with Deutsche Bank scaling back US operation???? Also is not clear if this is in retaliation to Department of Justice seeking a {$14.00} billion settlement amount that is bigger then Deutsche Bank market capitalization???? Lets take a transaction from XXXX XXXX XXXX and I will explain what is going on. XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DEUTSCHE BANK XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX  XXXX REF :  XXXX REF XXXX On the US {$290.00} and on top there is another {$15.00} and the left over amount is only {$270.00}. This extra commission of Euro XXXX started on XXXX XXXXMy name is XXXX XXXX and since XXXX I am collecting my pension from a XXXX Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) My pension from XXXX is XXXX XXXX. In XXXX there is collected a commission of XXXX XXXX. Deutsche Bank XXXX transfer to NY XXXX XXXX. Deutsche Bank will take in NY another commission of XXXX XXXX so the amount received is only XXXX XXXX. The rate used to exchange it in US is XXXX = {>= $1,000,000} so for XXXX XXXX I got {$XXXX}. In XXXX the payment is very late and I can never count on it but there is an exchange rate of 1 XXXX  = {$0.00} OR 26 % COMMISSION. For XXXX XXXX, XXXX the real and official exchange rate was XXXX XXXX = {$1.00}. The rate used by Deutsche Bank NY is XXXX XXXX = {$0.00} and this is another abuse. Today XXXX XXXX the rate is XXXX - {$1.00} and the rate used for my transfer after all fees taken is XXXX XXXX - {$0.00}!!!!!!! I consider that the abuses of Deutsche bank with no respect for the fact that operate inside USA. collects illegal In my situation XXXX XXXX that is a lot of money taken from my pension. Now a commission of 26 % of my monthly payments of XXXX XXXX taken by Deutsche Bank XXXX and Deutsche Bank USA!!!!!. If all banks in USA used only a flat fees of {$15.00} why Deutsche Bank NY is allow to abuse people from USA. When you call them they ignore you. When my banks called them they ignore them too. Deutsche Bank abuse inside USA the transfers to American People by charging XXXX XXXX commission for international transfer fees. Since they take a commission in XXXX of XXXX XXXX and another one in XXXX. of XXXX XXXX for each XXXX XXXX Transfer.
my loan is with XXXX XXXX XXXX. They show missed payments on my credit report when i have never missed a payment. my payments are automatically taken out of my bank account. I was late in XX/XX/2016 due to a change in my job and paydate, which i rectyfied immediatly and the payment was made a few days late and all future paydates adjusted. I ave never been late before nor since then. i have provided XXXX with statements of the 6 missed payments they claimed. though as of yet they have not been fixed. they want to discuss, though there is nothing to discuss and i told them i'd be happy to discuss via email so i have a written back up as i do not trust anything they do. no further response from XXXX.
This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XX/XX/XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( XXXX ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX and XX/XX/XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
A dispute was completed XX/XX/2016. Instead of deleting the item Experian update it. A dismissal with prejudice was completed on this case and should not be on my report.
Starting on XX/XX/XXXX I started the process of Disputing debt being reported by XXXX XXXX XXXX/XXXX  who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX XXXX/XXXX  and again on XX/XX/XXXX to all 3 credit reporting agencies XXXX, Transunion and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.
I wanted to close XXXX Bank of America IRAs ( with all funds in a money market account ) and transfer the funds to a XXXX account. According to XXXX, rather than a notarized signature, Bank of America required a " medallion signature guarantee '' in order to transfer the funds. As I understand it, this is a specialized service that should only be required for complicated securities transactions. However, Bank of America requires it for all IRA transactions, even though in my case the entire balance was held in a money market fund. Moreover, Bank of America does not provide this service at its own branches. Some other banks do offer this service, but only to their own retail customers. Luckily, after an afternoon of trying every bank in town, the bank that owns our mortgage agreed to provide the " medallion signature guarantee. '' This seems like an unnecessary barrier erected by Bank of America that makes it harder for customers to leave.
Midland Funding LLC has been trying to collect a debt they say I owe from another company they bought the debt from. Problem is that I do not know the company and have told them I do not owe this debt. They would call my house about XXXX times a day, and kept harassing me about this debt. when I asked for proof that of the original amount, they kept insisting they sent this to me, which I never received. My husbands Aunt has the same first and last name as I do, and is in the process of filing Bankrupt. I do not owe this company and now they are trying to take a legal judgment against me. Sick of harassing calls from a company, I owe nothing too. Sick of this company trying to sue me for money I do not owe. If they purchased this debt why would n't they make sure they have the right person.
On XX/XX/XXXX I informed Chase bank an employee deposited a fraudglent check on XX/XX/XXXX. This employee duplicated her check that she cashed on XX/XX/XXXXwhich was a valid check. The new check was a duplicated she printed and I had her XXXX. The bank stated I did not report it in a timely manner one day! This employee was XXXX however, the bank should have never allowed this check to process. 
Second check I also found while investigating. was for {$4500.00} I told them how did you let this process it is not my check nor my signature. This was in XX/XX/XXXX and they told me its too late. I asked where the check was cashed they stated they had to protect the person who cashed this fraudulent check on my acccount. 
This bank allowed my company too be ripped off for {$5200.00} an they will not help at all!
These XXXX debt collectors are calling me from XXXX using the oldest one in the book about officers serving papers to me. I owe no debts to anyone so this is a bogus claim and that tactic has been used for years. I 'd like to file a complaint against them. They said to call XXXX Coastline to correct this. Definitely a scam. Please stop them from harassing and scamming people.
on XX/XX/2018 my car was reposes by the loan holder, Santander usa on XX/XX/2018 i made a payment via XXXX XXXX  quick pay in the amount of {$4200.00} to paid off the loan plus all the towing and storing charges Since then Santander usa have refused to release the car, I have in my possession the free and clear tittle and registration of the car under my name I have made several attends to get my car back and the customer service always tell me that they are working on it
I have filed a home equity line of credit to Bank of America. It was not approved and I have requested to the bank to return me back my personal information : tax return and other information for the application. The bank refused and want to keep my personal information forever. Is the bank has the right to keep it?
I spoke with the highest point of escalation with XXXX and they report that Equifax is blocking me from monitoring my credit. Additionally, every representative at Equifax in XXXX consumer division has told me that Equifax has deliberately and intentionally blocked me from credit monitoring services indefinitely. I need to protect my identity and credit accuracy with credit monitoring with all XXXX credit bureaus. I am being forced to pay {$15.00} - {$21.00} for a single Equifax report every time I need to check for inaccuracies versus a single monthly payment of {$2.00} - $ XXXX/monthly, a discount offered by XXXX XXXX XXXX XXXX for Equifax credit monitoring. I need this fixed.
I paid my XXXX mortgage payment through the Mortgage Companies website, ( Cardinal Mortgage ) on XX/XX/2016, and noticed on XX/XX/2016 that the funds had not been withdrawn from my bank account. I called a representative from Cardinal on XX/XX/2016 and was told that the payment from XX/XX/XXXX was declined, and was instructed to enter a new payment for the same amount, and assured that the payment would not be duplicated. I told the rep. that I was about to leave the country for a week, and wanted assurance that the payment was taken care of. Upon returning on XX/XX/2016 I noticed that a total of 3 payments were deducted from my checking account resulting in NSF fees of {$70.00}. The mortgage company instructed me to email copies of the statement showing the NSF fees, and they would consider repaying the fees to me after 5 - 30 days. They refuse to acknowledge that the 2nd payment was based on instruction from them, and the 3rd draft was clearly done by then automatically as a retry draft as indicated on my bank statement. I do not fell that I need to wait 5 -30 days to see if they decide to reimburse me for THEIR mistake.
I have a Nationstar Mortgage account, I just realized that they increased my monthly payment, because their guidelines allow them to do that, based in amount that they want to have as a " cushion ''. I never received any communication about it. I have requested that they need to remove the referenced " cushion amount '' which was never authorized.
Calls being made repeatedly to my daughter and to an old ( and seriously ill ) family friend threatening to serve me with a complaint for a debt. The company calling us XXXX XXXX. I do not owe XXXX XXXX any money. They claim it is for money ( {$3200.00} ) owed to HSBC. I do not have any collection on any of my 3 credit reporting accounts ( XXXX XXXX or XXXX ) for a debt or past debt owed to HSBC.  XXXX XXXX 's phone number is XXXX and the woman who threatened me with being " served with a complaint '' is XXXX XXXX. I tell them I am going to file a complaint against them and they stop calling for a while, then start calling again. I checked with the Sheriff 's Dept., and with the process servers in NC, and none of them have any complaint to serve on me. I want these threatening calls stopped! The last calls started XXXX/XXXX/17. I checked my 3 credit reports today, and they all show " no collections ''.
This XXXX Gold card was opened on XX/XX/XXXX ' i started to have financial hardships starting XX/XX/XXXX ' my account was closed onXX/XX/XXXX ' i had a close relative pass away and i was helping my family take care of bills etc ... So that started to put me behind on payments and with XXXX Gold you must clear of balances in full at the end of the month. I informed them of my hardships and they told me as long as i cleared of the balance they would not close or report my hardship i agreed and paid off the balance in the amount of $ XXXX and my card was closed and reported. I'm working on clearing up all negative marks because of my financial hardship at that time and i would truly appreciate if this could be taken off so i can have a clean start again. Please advise
I was called by capital accounts. I told the caller that the number he was calling did not belong to me and he did n't have permission to use it. He continued to tell me I needed to get back to the point of the call. I told him I would report the company and he said do what you want.
My complaint is on Santander Consumer Bank. XX/XX/XXXX Santander Consumer bank stated a false and misleading statement. I called stating that I sent a payment in but still have n't noticed it changing in my Satander consumer account portal and that I did n't want it to effect my credit. Santander employee stated that he would defer my payment so that the payment can come in heals of stated that he would submit a credit dispute on my behalf and stop any late payment from being reported. I noticed a late payment on my credit report I waited a month and half. Because this employee stated if a late is reported it can take anywhere from 30-45 days to correct. Today is 4 months later and Santander refuses to stand by there statement of removing the late payment.
Case number XXXX is being referenced as prior complaint with your agency regarding the same company Synchrony Bank and TJX Rewards card which you say is closed. However, there was no resolution to this problem by the company. This company continues to harass me because I order pet medications from XXXX XXXX XXXX. I placed an order over the phone yesterday for {$240.00} and almost immediately got a call from Synchrony which I returned. I wanted to know what their problem was because this had already been discussed with a supervisor when I filed the above named case about the same matter. Synchrony denied my purchase with XXXX XXXX XXXX. I have a number of past credit card statements where I have purchased this over and over and it was not denied. I have never been late, always pay my entire balance on the card. You people did not do anything for me before so what are you going to do about it now because it is a forever problem. I have a right to use my credit card to buy what I want within the limits of my card. No other bank does this when I make a purchase. I have a credit score of XXXX and these people are idiots. I do n't understand why you let them get away with this. I am furious!
DISCOVER PERSONAL LOANS IS ADVERTISING AN INTEREST RATE AS LOW AS 6.99 %. I HAVE A CREDIT SCORE OF XXXX WITH GREAT INCOME AND LOW RATIOS. THE BEST RATE THEY COULD OFFER ME WAS 8.99 % WITH AUTOMATIC DRAFTS. IT IS MY BELIEF THAT NO ONE QUALIFIES FOR THE 6.99 % AND THAT THIS IS FALSE ADVERTISING. THE CSR ASK ME WHAT MY CURRENT RATES ARE ON MY CREDIT CARDS THAT I WANTED TO CONSOLIDATED. THIS SEEMS LIKE A WEIRD QUESTION UNLESS YOU ARE TRYING TO JUST BEAT THOSE RATES. I 'VE BEEN IN THE XXXX FOR 21 YEARS SO I KNOW AN A+ BORROWER.
I deposited a check with Bank of America using their mobile app. ( XX/XX/2019 ) My check is now being held hostage until XX/XX/2019. I have never had any negative issues with my account as it has always been in good standing. This two week hold, which I've deposited many, many, many checks and have had direct deposit for quite some time will now cause a slew of financial burdens for my family and I. I do not have funds for paying my bills which I now will default on 4 of my credit card payments, possibly my rent and I have XXXX small children that are relying on these fundamental my husband works hard for. In my 20 years of banking I have never seen such a thing. Please I ask for you help. Thank you.