WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX, Navient XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.
On XX/XX/XXXX, a Chapter XXXX bankruptcy was filed, and discharged on XX/XX/XXXX. Under Federal law, this can only be reported on a person 's credit history 7 years from the date of the filing, if it has been discharged. Documentation can be provided upon request.

Bank of America, loan # XXXX, granted a refinance during this period of time. However, they are continuing to report to the Credit Bureaus the status of " Discharged through Bankruptcy Chapter XXXX Never late. '' This is an erroneous statement, due to the period involved. 

I have contacted BofA, and they are unable to direct me to the Department responsible for credit reporting. I am requesting the status comments be amended to " Refinanced/Never late. ''
ENHANCED RECOVERY CO  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  The company listed above has placed a collection on my credit report as of  XXXX   XXXX ,  2017  stating that I owe a debt to them in the amount of  XXXX . The original debt was to  XXXX   XXXX  and the debt was for less than the amount listed, this company has no legal authority to collect any debt from me and this should be removed from my credit. The original debt is alm ost 7 years old.
Today, while attempting to work on payment terms w
ith Delta Management Associates regarding my apparently delinquent XXXX XXXX Student Loan acc ount, I simply requested to know the dates which my account would be automatically debited for the agreed upon amount. Delta was only willing to provide the dates via phone not in writing. Furthermore, Delta provided an agreement that listed a due date ; which is not the date we agreed for payments to be drafted from my account. Delta 's unwillingness to provide dates in writing about when they would take money from my account is highly suspicious to me and calls into question the professionalism of their operation. I already have serious doubts about many things Delta discussed with me, but their unwillingness to provide this information, highlights these concerns.
The school XXXX XXXX XXXX close down in the middle of getting a certification the school lied and said that they were Having financial issues and ensuring us students that we will graduate and receive certificate but the school bankrupt in the middle and I was left without the education and stuck with heavy fines and fees which were XXXX XXXX at the time it was sold to another lender whom I dont have a agreement with because I did not get the loan though them so I have two issues one the loan was sold so I owe nothing because the agreement was with XXXX XXXX and two the school close and filed bankruptcy so I did not receive the education need to graduate and all I get it grive and talk down to from the new lender that I should stop trying to fight it which I will not because this is unjust and not fair I just want it removed off my credit
I was charged interest on a card that specifically had 0 % interest. They did n't cancel the fee after countless calls and complaints. I have been with Bank of America for over 7 years and had never been charged interest before -- obviously that did n't mean anything to them. I will not be working with BoA again.
On XX/XX/XXXX - American Express charged me {$190.00} for an annual fee after specifically stating there is no fee via the webpage " ANNUAL FEE The annual fee for The Premier Rewards Gold Card is {$0.00} for the Basic Card and {$0.00} for up to 5 Additional Cards. The annual fee for the sixth or more Additional Card is {$35.00} for each Card. '' is listed for Rates & Fees but the link is broken.
several years ago I was admitted to XXXX XXXX in XXXX. There was a balance which was sent to collections at that time. since then, the same balance is listed by more than XXXX collection agency and keeps being renewed although this was I believe 2009.
Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/2016 with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the 30 days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.
I am writing you to lodge a formal complaint about 4 overdraft fees that were recently charged to my account. I am a dedicated online banker.  I love Bank of America’s to-the-minute online status updates.  It is just one of the many reasons I switched to BoA from XXXX.  Since joining BoA I have operated under the “as long as there is a positive amount in the account at the end of the day, you won’t get charged an overdraft fee” rule.  I was completely shocked to see four overdraft charges show up on a XX/XX/XXXX. What made the issue even worse is that on the next business day which was XX/XX/XXXX, I received a direct deposit.
On XX/XX/XXXX, I went to my bank to transfer XXXX USD to my Coinbase account. Prior to transferring the account, Coinbase was claiming to transfer incoming wire within 1-2 days. So, I proceeded to transfer to my account in Coinbase. I waited 2 business days and no funds were  available, so I submitted a ticket to support. Since Coinbase does not have a support number for wire transfer I could not speak to anyone about my case. After a couple of days I got a generic email saying they apologize for the delay, they were behind on wire transfer and all transfers should be completed. I replied back to the email explaining that my account does not have my funds transferred. Again after a few days, I get no response so I continue to ask for updates. Coinbase only replies with a generic message but no indication that my funds are available or what the delays maybe. Ive sent over 30 emails with no resolution.
I presently have US Bank which operates my loan. I have paid them on time and the same amount for over a year without any issue. I am a good customer with a good credit score. 

I applied to US Bank for a VA Home Refinancing with Cash-out. I wanted to do home improvements and clean debt. My home appraisal came out to {$320000.00} and cost {$400.00}. During the initial process, I explained to XXXX XXXX and XXXX XXXX that I work for a captive law firm, and while my law firm was in existence for just over 14 months, the firm itself had operated in the same location, with the same client base for over 16 years. They said this would not be a problem. They were very responsive in the beginning, and i provided all documents timely. 

HOWEVER, all of a sudden they went radio silence. I find out the Underwriting team wo n't approve the loan because I do n't have two full years of business records for the firm. This firm employees over XXXX people and been operating in the same place and location for over 15 years. I had to leave five messages before I could get a call back to tell me the whole process was for not. When I asked why they did n't confirm underwriting would be ok with my situation before taking my {$400.00} for the appraisal, XXXX XXXX responded : " We do alot of business, to do thing, s one at a time would be too slow. ''
I received a credit alert from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX that CBE made a change to my credit report on or about XXXX XXXX, 2016. I do not know what this attempt is to collect the debt, however, XXXX XXXX has attempted 5-6 times to collect this debt I do not owe and has not provided the services contracted since XXXX XXXX, 2016. Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016. 

This letter from XXXX XXXX references a home-based internet line : XXXX that was not further contracted after XXXX XXXX, 2016 when the contract ended. It was under the same account number ( XXXX ) as the voice ( talk, text, and data ) line reported : XXXX to the FCC after the line was disconnected on XXXX XXXX, 2016. XXXX is still contracted. I have not agreed to terminate my contract ( will not be paying an early termination fee of {$140.00} ) for this line and XXXX does not have this line connected for use as anyone that attempts to contact this number can understand when calling this number. This is the third attempt to collect on a XXXX bill in which services have not been rendered. I will not be paying for non-contracted services, services not rendered under this account or for not having service. You have been paid all you are due. 

XXXX XXXX has solicited multiple companies to collect on a debt not contracted, owed, or due and all have ceased collection activity on their behalf and notified both the consumer and the CFPB that collections have been ceased. XXXX has been the most recent company to cease collection on behalf of XXXX XXXX concerning this matter. Now on this attempt, XXXX has changed the number in specifics as to what the collection is indicated for ; indicating a contract for internet that was not renewed on XXXX XXXX, 2016 due to no longer needing it. I will file a complaint with XXXX as well.
Attempted to contact Me at my brothers job stating they are collecting a debt for child support and after further investigation by myself and phone calls I had found out that was untrue sentery credit and XXXX XXXX XXXX constantly harrass my mother and brother also when I contact them they are extreamly rude and refuse to send me copys of what ever debt they say I owe I have been trying to dispute this with XXXX.
I set up a new account with a company named Simple, I went through the process to start a wire transfer, confirmed the mirco test deposits as they requested. Then set a transfer from my old bank of {$500.00}. Set to deposit in my Simple account on Monday XXXX The money is not there and Simple refuses to tell me anything at all. They have demanded documentation including my social security number photo id and old bank statements from 2 months ago. They still refuse to give me any information they have hijacked my money.
On a PayPal checkout they signed me up for PayPal credit without my approval. I never saw an option or wanted their credit card. They are refusing to work with me and forward me to some collection agency. 
see : XXXX for prior issues
As stated in a letter mailed off for the second time today. This was not an account that was initiated by me nor authorized. I have reported such to the police and the FTC and have both reports. As they are attached to this complaint along with the laws regarding the regulations on attempting to collect on a fraudulent account.
We were paying off the loan I looked at the web site I think it was  XXXX - XXXX -17 to get the pay off which is an option on the payment screen. I mailed a check the next morning for that amount of {$14000.00}. I also sent an email to Prosper to let them know this was the pay off amount of that day, and on the check I wrote payoff amount on this date. They received the check on  XXXX / XXXX /17 but still charge me {$31.00}. I then again sent a email  XXXX / XXXX /17 and spoke with someone at customer service and she told me I need to pay this amount because it still charging interest. I payed this about and they would speak with their manager to get it refunded. On  XXXX / XXXX /17 they sent me this email Prosper Client Services ( Prosper Marketplace Support ) (  XX/XX/XXXX ,  XXXX  PDT Dear  XXXX , Thank you for contacting Prosper.
Mailed in payments can take 7-10 business days to process. in addition, same day payoff quotes are valid only for same day. Therefore, a refund of the {$31.00} in interest will not be issued. As, there is no Prosper error.
If you need any additional information or have any additional needs, please reply to this email.
Thank you, Prosper Client Services ) In all the loan I have ever had when you request a payoff it is good for so many day at that amount without interest still collecting. I know it is not a big amount I guess it is the point they should honor payoff amounts.
Thank you hope you can help me
Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts in XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XX/XX/XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different.
File # XXXX I reported that in XXXX 2016 XXXX of XXXX XXXX Florida did a hard pull on my transunion credit report WITHOUT express written or verbal consent from myself. 
I called XXXX and they ran my son 's that day but claim never ran mine. Yes they did, yes they lie, check my credit report. My credit was shared illegally and wrongfully with XXXX. 

Transunion did nothing but add my letter to my file. The hard pull is still there and I request it to be taken off. 
Thank you, XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX 2 XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus Equifax, XXXX, and XXXX on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX  XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address3  XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address5 XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX First Reported XXXXLast Reported XX/XX/XXXX Former Address6 XXXX XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX XXXX XXXX
Seeking assistance from Wells Fargo dealer services to defer my late payment/outstanding balance to the end of the loan to help bring my account to current status. When I call for assistance they are extremely rude and unhelpful, I also sent an email last week and have not heard back. They continue to call our friends and family and our cell phones constantly harassing us with no alternatives. Please ask them to review request to defer loan and to please stop calling our friends and family for both myself and my wife XXXX XXXX.
Our fixed-rate mortgage was transferred to SLS and we have had many problems since then. Specifically : 1 ) everything they send seems intentionally confusing. We have worked with many other mortgage companies over the years and SLS is the only one who sends things that we ca n't figure out. 
2 ) we have full insurance yet they tried telling us that our insurance was " insufficient '' and that they were going to purchase their own supplemental insurance ( even though they had just paid our insurance from the escrow account ). They continued to send us this claim two more times after we sent proof that our insurance was in fact sufficient. 
3 ) Now they are claiming that we have an escrow " shortage amount '' of a - {$1000.00}. What is a negative shortage? Is this double negative actually a surplus amount in our shortage? 
4 ) They are adding a monthly " shortage payment '' amount of {$85.00} to our monthly payment for the next 12 months. 

This is the shadiest mortgage servicing firm we have ever worked with. We wish there were a way to switch mortgage servicing firms without refinancing because we have a great fixed mortgage rate. I would also like to see firms like SLS closely monitored by the CFPB because I 'm sure that there are many mortgage holders who are not paying as close attention and are getting XXXX. 
Any assistance from the CFPB is greatly appreciated! 
XXXX
I took out a loan with XXXXXXXX XXXX back in XX/XX/XXXX for $ XXXX to buy my home. It is allegedly now being serviced by Caliber Home Loans and they have failed to give me a complete payment history of payments made to XXXX  and transferred to them in XX/XX/XXXX.  Also I paid into an escrow account for taxes and insurance and they have failed to pay me the 2 % interest at the end of the year. I have now had to join a class action and they keep deny sending me the requested information. They are also trying to unlawfully foreclose on my property when it is in BK and I only owe them $ XXXX. ( See attached RETRAN document ). Please audit this loan asap. Thank you.
I am writing to dispute  XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
This debt is not valid. The information is inaccurate. They are trying to charge me for things that did not even exist. They said I owe XXXX but in cost to repair it says XXXX dollars. Then when I ask for explanation of charges they send me a maintenance price list in which half of the items are not even on the move out sheet. This has cost my family to be homeless among many other things.
XXXX XXXX financed my new XXXX XXXX the company in XXXX aid i had not made any payments which i had and they have continued to tell me i haven't they  have wrongfully repossessed my XXXX by not notifying me that they would be repossessing the vehicle as well they did not give me any option to pay or work out anything.
We purchased our home in XXXX XXXX. Purchase price was $ XXXX. We were persuaded to use a XXXX interest only loan from our mortgage broker with Wachovia Bank ( now Wells Fargo ). The interest only loan is at a rate of 7.125 % ( Balance as of XXXX XXXX {$260000.00} ) and the home equity loan is at a rate of 9.34 % ( Balance as of XXXX XXXX {$61000.00} ). We have reached out to Wells Fargo several times in the last couple years to refinance and was told that since our home is underwater they could not help. In XXXX XXXX we had a baby girl and around the same time my husbands career permanently changed and caused a reduction of monthly gross income of $ XXXX per month. During that time we used up all assets including liquidating my IRA to cover monthly expenses. In XXXX XXXX we reached out to Wells Fargo seeking assistance to modify our home loans. 

At this point we 've asked them to combine both loans into XXXX new 30 year mortgage that we can afford and keep our home.
am requesting the removal of XXXX judgements ( case number XXXX and XXXX ) on my Equifax credit report due to XXXX XXXX, et al. v. Equifax Information Services LLC ( XXXX ). I do not know where these judgements have originally been identified from, and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgements as soon as possible.