WillisBack/dataset-financial-user-claim huggingface dataset:
We opened an account through XXXX XXXX and were told it was XXXX months same as cash. We set up an automatic payment that was more than enough to pay off the account in less than 18 months. My wife checked the account balance shortly before the XXXX months was up and paid what would remain after the following automatic payment of {$200.00} to close out the balance. 

XXXX months later, we received a statement that we owed {$29.00} and were late. The minimum payment was {$2.00}. The first business day after receiving this notice, I called and explained the situation to the man that answered the phone. They immediately credited the {$29.00} and I told them that my wife would contact them when she had more time to address the interest issue. He took my wife 's name and told me she would be able to discuss anything with them. 

Then today, we saw that they reported us to the credit bureaus as a 30 day late of {$2.00}. We had never received any other notice but the one that arrived last week. They claim to have called and emailed, but neither has happened. The manager that my wife spoke to today, after XXXX phone calls to have her authorized on the account because they did n't do that correctly yesterday, claimed that they had mailed us notices. When my wife asked where they mailed them, she told her that she could n't provide that information. She could n't tell us our own address? 

She also falsely claimed that our account had n't been paid consistently, even though the exact same payment amount had been applied every month that the account was open until the last payment was made. 

They refused to do anything at all to remedy this for us.
This debt was acquired by a individual who I was going to move with, so we filled out the forms for the apartment and he gave a deposit check/ by the way his name is on that account only, not only that the apartment application was denied because of debts on his credit not mine soooooo I don ; t understand why they think they cn naow put this on my report when i was not denied the apartment as well as i did not give them the check so how the XXXX is this legal?
As a customer of USBank it 's not clear just by looking at your account balance and transactions what your account balance is. You have to take the additional step of clicking on an icon next to the transaction and account balance to see your actual account balance at that time. The bank 's explanation for this is that " there are XXXX balances '', XXXX is the account balance and XXXX is the ledger balance. This seems confusing and a deceptive way of generating overdraft fees. In addition USBank says they charge overdraft fees on transactions the moment it takes an account negative at the card swipe with the merchant instead of when the funds clear the account. The combination of these XXXX USBank practices made it impossible for me to me properly assess and make the the apropriate same day cash deposits to cover the funds and avoid overdraft fees.
On XX/XX/ I received a letter dated XX/XX/ in response to my first debt validation letter. Attached to this complaint you will see, the response has failed to verify the information and debt. The letter also states it is going to report to all three ( 3 ) major credit bureaus to update the incorrect, invalidated debt. 
You are currently reporting debt to my credit report { {$170.00} } and as allowed under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my WET SIGNATURE with the provider of service to release my medical information to you CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VALIDATED BY ME. Please send this information to my mailing address listed above and accept this letter as my SECOND FORMAL DEBT VALIDATION REQUEST, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and 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 your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
My mortgage loan has an escrow account. Chase Bank charges 17 % cushion amount on the escrow account. My yearly overage on taxes and insurance run about 3 %. In effect I am loaning the bank approx 14 % free gratis.If all banks do this, it amounts to billions a year loaned to banks for free. Today loans require escrow accounts. 
I think a 5 % cushion should be plenty
I signed up with XXXX on the internet to receive recipes. I thought it was {$9.00} per year. The ad did not specify the time period. After the initial trial period they started billing my credit card {$9.00} per month. I called my credit card company, American Express and opened a dispute. I canceled the subscription on XXXX XXXX, 2016. American Express told me on XXXX XXXX and XXXX XXXX that a merchant block had been placed on my account. This company refuses to honor my cancellation and continues to bill my American Express card. I have contacted American Express who says that do n't know why or how the company continues to bill me. The latest charge was XXXX/XXXX/2016, completely unauthorized. I spoke with American Express again on XXXX XXXX, 2016. They told me there was a block on my card but the merchant can bill me anyway. Something must be done about this company.
My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX    XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX
Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: $XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XX/XX/XXXX for XXXX<
I was contacted by Midland Credit Management with the following number XXXX and the representative made bogus claims that I had an old balance they bought back in 2007 for a XXXX card I never opened. The representative with an XXXX accent, was trying to confirm my social security over the phone but I would not cooperate with this sensitive information. Can you please contact these folks and get them to stop calling my moms house for a bogus debt? I have attempted to ask for a document of this alleged debt and have not received anything. Please look into these unethical business practices as soon as possible.
XXXX XXXX XXXX  attempted to add an additional day of payment onto my credit card ( I disputed that charge with XXXX card ) for a car rental that was returned via a drop box to their parking lot on time to the XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX location as pre-paid and contracted purchase. 

I have already contacted XXXX regarding this false charge on my credit card for an additional day of rental that was not valid. They were told and situation was supposed to be resolved but still I received calls and mail from XXXX, XXXX and XXXX a Collection Agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX The amount is {$49.00} and was charged onto my already paid contract which was pre-paid from XX/XX/17 - XX/XX/17. 

I returned the car to the location on XX/XX/17 at XXXX as pre-paid to do. Still they charged me another day
On XXXX/XXXX/XXXX I sent XXXX XXXX and Experian a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
The company is Cash Central online. When I took out the loan the payments were scheduled for XX/XX/XXXX/XX/XX/XXXX but they started taking my monies out before the scheduled date. Yes, it caused me to bounce several times, and I am sick of the harassing calls at work. I emailed and told them numerous of times to please stop calling me at work and they refuse. I would like for this company to leave me alone b/c I am paying them but I told them I will stop paying them due to the fact they are so nasty, and they hate to answer your questions always talking about send an email. I would like to know what can be done?
I submitted a complaint to XXXX, XXXX and Equifax and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/2017 and I also faxed it on XX/XX/2017. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.
I have requested cancellation of FHA monthly mortgage insurance premium ( MIP ) on my mortgage loan, which is serviced by Nationstar. Cancellation is required under the law, because I have met all of the requirements under the law and regulations applicable to my mortgage loan. On several different occasions, I contacted customer service and requested confirmation that MIP would be eliminated once the LTV was brought to below 78 %. Each time I was sent a " PMI Cancellation Request '' form that purported to require me to authorize Nationstar to order an appraisal on my behalf at my expense. I refuse to consent to such an appraisal being ordered, as it is not necessary under my loan program. The pertinent regulations require cancellation once the LTV has dropped below 78 % of the purchase price.
PNC services a mortgage on a property that is being sold through a short sale. The house has been listed for sale sinceXX/XX/XXXX, starting at {$450000.00}, and incrementally lowered until we started to get showings, at a price of {$390000.00}. OnXX/XX/XXXX, PNC had an appraisal done on the property. It came in too high, but PNC will not consider any offers unless they are equal to the XX/XX/XXXX appraisal amount. I sent evidence of issues with the property, poor layout, across from a major highway, cell tower facing the backyard of the property, to no avail. We have had 29 showings on the house since it was listed, and received one offer, on XX/XX/XXXX of {$350000.00}. PNC rejected the {$350000.00} and countered at {$420000.00}.
I pulled my Experian Credit Report and noticed inaccurate information. I sent a letter on XX/XX/XXXX via certified mail ( see attached copy ) challenging the accuracy of this information and requesting the source from which they obtained this information and they validate this information and provide me with documentation associated with this account bearing my signature or in the absence of such documentation deleted this information from my credit file. After 30 days, I received no reply from Experian.
On XX/XX/XXXX I contacted Experian. I spoke with a person who identified himself as " XXXX '' who informed me I received my dispute letter on XX/XX/XXXXand responded verbally that the information had been verified. I asked him the " source '' of the verification, as it was not listed on my credit report and he said it was verified by the Courts. I then told him I had a letter from the courts stating they do not supply any information to credit reporting agencies. He then said he received this information through a third party reporting agency. I asked him who the agency was so I could reach out to them directly but he said he was not at liberty to disclose this information.
Please the attached letter from XXXX  datedXX/XX/XXXX verifying my request to suppress all public information. It is my understanding it is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from an unnamed 3rd party could be considered false information on your credit report.
I would appreciate any help you can provide in resolving this issue.
I have been trying to finish my  XXXX  months car payment, I called  DT  bank to give me the exact amount that I must pay. I have received abo ut 3 differe nt letters with different amount. I submitted a complaint to your office. I received a reply but did not answer the question I have been asking. Last week I received a letter from  XXXX   XXXX  the Senior vice president with the exact amount to pay before  XXXX / XXXX /  XXXX  . He also stated that if I do n't they will repossess my car for a {$350.00}. I called  XXXX  on  XXXX , made payment. I called early this week asking for my car title I was told that the loan numb er I gave to t hem is not on record. I was asked to provide my social, I gave the women my social. After that she ask my name and address, I did just that. After that she than asked my birth date. I told her I will not. Due to identify thift. I also told her I was told  by     XXXX   XXXX   th at once I agree to sign up for a voice recognition I will not be asked to provide all my information. That also was a lie. So the women hanged up the phone. Today  XXXX / XXXX /  XXXX  . I received a certified mail from  TD sayi ng this is a last notice I must pay {$350.00}. If not they will repossess my vihecle. I also received another letter that I own {$190.00}. I paid TD bank more money for this used car. I want my car tit le. Life goes on I want to move on  with my life.
This debt collection company is calling my cell phone which is used for my current employment. Thus, they are calling me at work during the day and night on my work phone.
I SUBMITTED APPLICATION FOR LOAN MODIFICATION ON XX/XX/2018 SINCE THEN XXXX XXXX   EXTENSION # XXXX REQUEST FOR MORE AND MORE DOCUMENTS THAT ARE DUPLICATES. I HAVE SENT LETTER OF EXPLANATION THAT MY WIFE NO LONGER WORKS FOR XXXX 'S AND SHE CONTINUES TO REQUEST FOR PAY STUBS FOR XXXX 'S SHE REQUESTED PROOF OF HARDSHIP EXPLAINED I HAD TO STOP WORKING SENT HER MY FINAL PAY STUBS LETTERS EXPLAINING THE CUT IN MY INCOME AND SHE CONTINUOUSLY WILL REQUEST THE SAME THING. FOR EXAMPLE TODAY I CONTACT THE LENDER FOR UPDATE THEY STATED MY REVIEW WAS CLOSED BECAUSE MY XXXX XXXX FORM IS EXPIRED TECHNICALLY IT DOES NOT EXPIRED TILL XX/XX/2018 IF ITS GOOD FOR 90 DAYS BECAUSE THE ORIGINAL ONE I SENT HER WAS DATED XX/XX/2018 ALSO REP I SPOKE TO MENTION SHE IS STILL ASKING FOR XXXX XXXX   STATEMENTS WHEN I SENT HER A LETTER OF EXPLANATION SENT HER 3 MONTHS OF STATEMENTS. 
I ATTACHED THE COVER-SHEETS AND ALL DOCUMENTS THAT HAVE BEEN SENT TO DOVENMUEHLE FROM WHEN THE PROCESS STARTED TODAY.
I had my student loans serviced by navient. Being a XXXX i was elligible for the public service loan forgiveness. I was lead to beleive that for many years that my payments were going toward the 120 payments. My payments were not elligible because of the plan i was put in. Luckily i switched them back to XXXX and they informed me that the payments werent acceptable. I paid them for five years. Now i am XXXX and i had to start over on my 120 payments.
I have credit inquiries on my transunion credit report that was not initiated by myself. I did some digging and found out that my XXXX yr old son tried opening accounts to get gaming systems and smartphones. He expressed that the sites stated that he was not old enough to open accounts himself and thats when he decided to use my information, some of which he explained to me was made up because he didn't know. so there's no way they could've actually verified the information.
My information and my XXXX brothers information is being included together because our social security numbers are a digit off
Clarity Service pulled my credit on three different occasion with out my consent : XX/XX/XXXX and twice on XX/XX/XXXX. In effort to investigate the inquires, I sent a letter on XX/XX/XXXX listed bellow : RE : Unauthorized Credit Inquiry Dear Customer Relations : While checking my personal credit report : XXXX, XXXX, and XXXX, I notice an unauthorized inquiry made by your organization on XX/XX/XXXX. <P/>Since I have not, to the best of my knowledge, authorized anyone employed by your organization to make an inquiry, you are not legally entitled to make the inquiry. Therefore, I request that you contact all the concerned credit bureaus and remove the unauthorized hard inquiry within 7 days, under the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation to the address listed above that you have complied with my requests. <P/>If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. <P/><P/><P/>On XX/XX/XXXX, the company responded and stated they needed " additional information '' in order to investigate my claim. I sent another letter XX/XX/XXXX and it is also listed bellow : RE : Response to Consumer Request Dear Customer Relations : I received a letter from your company in response to my Unauthorized Credit Inquiry dispute ( see attachments ) stating that additional information is needed to investigate my claim. Your company advised I mail my social security number, address, phone number, and other pertinent and personal information with a view to fully investigate my dispute. However, if your company had access to my credit report, it can be determined that my social security number, address, phone number, and other pertinent and personal is within your company records. <P/>This is rather questionable and a postponement approach to evade your company from lawfully investigating my disagreement with the unauthorized inquiries. I included below three different instances ( twice on one day ) your company Clarity Service Inc illegally and without my consensus retrieved my credit report from XXXX, XXXX, and XXXX : The Fair Credit Report Act upholds fair, accurate, and confidential credit practices as well as gives consumers the right to legally dispute illegitimate credit reporting and inquires. I do not know the services offered at you company to grant you access to my personal credit file. Since your company is giving me a hard time with my request, I have decided to escalate my dispute with the Consumer Financial Protection Bureau.
I have had a checking account with chase bank for years. I 've always been told by their staff and even on recorded lines that if your account is overdrawn you have 24 hour of the transaction to bring the account back in good standing before you 're assessed an overdraft fee. I even have notifications provided by chase bank that notify me the account is overdrawn so that a deposit can be made. Recently, two automatic draft that are processed from my debit card were drafted and immediately assessed an overdraft fee. These two charges happened on the same day. I was never given the chance to cure my account. I 've now been told by their customer service department they do n't have the ability to override the system to reverse the fees because of a limit I 've exceeded. Where the fees were returned classified as a courtesy instead of rightfully as a " bank error ''. I 'm exhausted with the " run-around '' and newly found policies that chase bank all of sudden brings to light when I have something like this happen. I need help getting my account reconciled so that I can leave this financial institution and not have to pay the bank my weight in fees to do so.