WillisBack/dataset-financial-user-claim huggingface dataset:
The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a toxic property sold to me at XXXX XXXX XXXX XXXX, Arizona with arsenic, and that caused default. I received no response from them except one recent reply from transunion. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?
XXXX XXXX keeps calling leaving messages about a FCC law suit for his client doesnt give the clients name or a file number, calling my phone several times a day. Today he called my job and when they told him I couldnt get personal calls he told the lady that answered the phone that it was an emergency that something had happened to my son.
Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to Portfolio Recovery to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.
Wells Fargo just decided to close my credit card with out my prior approval. They are stating that my card has over six months inactivity. I have paid off my Wells Fargo card and have a zero balance, therefore I do n't understand why they closed my card?! The letter Wells Fargo sent me ( dated XXXX XXXX, 2016 ) also indicated " High Balance ( s ) as compared to the credit limit ( s ) or revolving line ( s ) of credit on credit report. '' Another reason is " Low payment ( s ) as compared to balance ( s ) in the last year on your Wells Fargo credit card ''. This makes no sense, since all payments have been timely. I have paid off all my credit cards including the Wells Fargo card in order to avoid debt and this is what I get?! I called the Wells Fargo customer service line on XXXX/XXXX/2016 and they were unable to help me ; the representative said that I needed to call XXXX. I will try them again tomorrow to see if they can reinstate my card. This is very unethical to say the least! Banks should not unilaterally close your cards as a sort of punishment for simply paying them down to zero. Please HELP!!!
XXXX loan # XXXX in the amount of {$5000.00} originated XX/XX/18 has been paid off in full on XX/XX/18. Equifax and XXXX is still reporting that I have a balance of {$5000.00} which is not true. Equifax updated their report on XX/XX/18 and showing a balance of {$5000.00}. Because of this false reporting my credit score dropped 50 points! I want this false reporting of {$5000.00} to be corrected to {$0.00} immediately! This account is in good standing.
The lease was open on XX/XX/2018 and paid off on XX/XX/2018. My name is XXXX XXXX. The company of the lease is Acima Credit FKA XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX.
I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$150000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify that I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX directly XXXX to verify my actual income and stated what it was instead. Furthermore this mortgage/note was originated XX/XX/XXXX as a 5 year interest only mortgage. Nationstar Mtg has never adjusted the mortgage/note to reflect P.I.T.I The current mortgage/note XXXX and now servicing with Nationstar Mortgage Loan # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, my S.S. # is *********** D.O.B. XXXX/XXXX/XXXX. XXXX Bank and XXXX XXXX XXXX are committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.
ALL 4 CREDIT BUREAU S HAVE SECURITY ALERTS, FRAUD ALERTS EXTENDED ALERTS AND CONSUMER FRAUD STATEMNETS.
ATM dispute that happened XXXX XXXX casino XXXX last XXXX XXXX, XXXX for the amount of {$700.00}. I did multiple cash ATM withdrawal of {$200.00}, {$200.00} and {$500.00}. Hence my cash withdrawal limit for a day is {$1000.00}, I want to obtain more cash as cash advance from my credit card to cash advance machine requesting amount of {$500.00} but it was declined. Then I tried to lower it for {$200.00} and continuously declined. I received no cash. The following day I checked my online banking and it showed on my checking account of {$700.00} as ATM withdrawal. I then contacted Citi bank customer service and the representative told me that if I did not receive that amount then my account reflect this right away. In short there were 3 dispute transactions of {$700.00} the bank temporarily credited to me while the claim was in process and all of these Citi bank send me letters that transaction was legitimate and they pulled the amount back out of my account that they reimbursed. I feel pretty alone in my fight. If I did receive this amount, I would have just move on However, I certainly did not. Which is why I have invested so much time and been so persistent. You are somewhat of a last resort and I would greatly appreciate any help I could get.
I fell behind on my minimum payments due to being completely displaced from Hurricane Irma, I lost my job due to it and couldnt return to my home due to all the damage. I called them and talk to a represntatice back in XXXX and told them there was no way I would be able to pay my minimum payments even though I wanted to because I needed to put all my money towards food and shelter for me and my family. Anyways long story short is they told me they would do anything they could to help me in this situation and to not worry. However after reviewing XXXX XXXX it shows me that I have 2 missed payments for the months of XX/XX/XXXX and XX/XX/XXXX on my credit history. All of my other credit card companies understood and did not blemish my credit with late payments. It was only capital one and after speaking to them there they essentially said they cant do anything about it. I understand I was late on my payments but I called them, i was displaced from my home and I lost my job which was the only source of income for my family. I now am trying to pick up the pieces and finance a new house for my family and I but because of these 2 missed payments for XX/XX/XXXX and XX/XX/XXXX I am getting a very bad rate with the Banks making the home I want to buy unaffordable for me and my Family. They did report accurately because I was late on my payments for those months but they assured me on the phone and what I read on their website that they were doing everything and anything they could for their customers through this hard time. So I didnt pay any attention to my card for those few months and only got up to date with my payments recently because I could finally afford to. I want these 2 late payments reversed due to a natural disaster that I had no control over along with the fact I was under the assumption I had a grace period where I was assured not to worry, Kind regards, XXXX XXXX
I had a 2nd mortgage, interest only loan, for 10 years with SLS, paid on time every payment. They recently instructed me that the terms of my loan are that I now start paying it off. I applied for modification but was denied. All the while making the payments payments on time with the statements received. Never a late payment. They sent me a new monthly statement for XXXX with the new monthly payment which I paid on time ( well documented bank transfer and even on their web site under my account info shows paid on time. But the XXXX statement shows a late fee being charged. When called they stated they could not change anything although the representative stated she saw that the payment was made. I have never received my new loan documents or a payment schedule from them and really do not know the terms of my continuing loan now.
I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized credit collection accounts and hard inquiries listed on my Trans Union, XXXX and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX  XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : 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. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.
I am only writing this to have something on the record to show my lawyer for when court papers are filed when Equifax 's 30 days are up from the certified letter my lawyer had me send Equifax. I am curious as a previous communication from Equifax stated that XXXX XXXX XXXX was not currently being reported and I have sent Equifax a copy of the settlement by XXXX XXXX XXXX 's representative and myself and my lawyer claiming the debt can not be collected on by the defendant who was their representative. By that companies own admission, the account information was already in control of the account as the company sent it back before the settlement. This would make XXXX the defendant as much as their representative and needs to be removed.
Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with TransUnion. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.
ID ALLEGE CRIMES AGAINST ME BY XXXX XXXX XXXX COMING OUT OF XXXX XXXX WHICH FBI & XXXX ATTORNEY ARREST XXXX XXXX, NOT RELATED TO CRIMES BUT STATEMENTS OF OFFICIALS ATTEST TO CONCERN, THEREFORE REQUEST THEIR ATTENTION TO ALSO XXXX 'S XXXX CHAIRMAN DIRECT FRAUD PERMITTED XXXX XXXX XXXX INSURANCE, KENTUCKY, BUT LEFT EMPLOYMENT XXXX XXXX XXXX XXXX XXXX AND APPROVED XXXX AND XXXX, XXXX FEDERAL XXXX XXXX TO ALLOW NO OVERSIGHT MEDICATION OR PROCEDURES.. JP MORGAN XXXX XXXX XXXX ACCOUNT OPENED FOR PENSION CHECK, BUT DENY DEBIT CARD COUNTER TO XXXX XXXX XXXX VI ELECTRONIC TRANSFER FUNDS ACT THEN DIRECT TO PENSION AT XXXX XXXX XXXX XXXX BUFFET XXXX BIG NO ONE TOUCH FRAUD, BUT NOT MY SS NUMBER, ERROR TO XXXX 'S XXXX I WILL NOT ADDRESS SINCE CLERICAL ERROR AND HUGE FANNIE MAE MORTGAGE TO XXXX XXXX XXXX XXXX HOUSES STILL INVOLVED
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( Transunion, XXXX, and XXXX  )
Bottom line, i was told by Lending Club that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.
Last year I filed several complaints, case # XXXX and case # XXXX against both XXXX and XXXX, stating they violated the FCRA and FDCPA thru their deceptive use of my credit report. 
They attempted to collect a debt that was not owed, nor could they substantiate, nor provide me with proof of the debt. 
XXXX removed the debt from my credit report in XXXX, 2014, as a result of this complaint. 
XXXX has now hired another company Enhanced Recovery Corp to collect on the same debt they claim I do not owe them. 
This is malicious action has damaged my credit and character. 
They are engaged in the same violations as XXXX was. 
This is a patterned action by XXXX and I ask your agency to investigate the matter.
On XX/XX/XXXX a charge for XXXX was taken out of my account from Suntrust Bank. I did not recognize the charge so I started a dispute for this transaction and a provisional credit was issued. On XX/XX/XXXX that amount was retaken out of my account because I canceled the dispute. I called the bank and asked if anything had to be done to get that merchant paid and I was told that nothing was received by bank and that it was like it wasn't ever done. I had forgotten about it and on XX/XX/XXXX we received a bill from XXXX XXXX for the timeshare that had gone into foreclosure for the yearly maintenance fees. At that time we called XXXX XXXX and subsequently paid that charge. I called the bank that day, XX/XX/XXXX, and spoke with a supervisor and they stated that from their end they had paid the merchant but when I told them they didn't have it they escalated it to their investigation team and said I would get a call back within 2 to 3 business days. Well I never and to this day, XX/XX/XXXX, have never gotten a call from them. I have initiated all calls. I called on XX/XX/XXXX, XXXX and today XX/XX/XXXX. I have been told that they do in fact have my XXXX but can not put it back into my account and must pay the original creditor. I explained that I have already paid them and did not want to fight with them to get the money back as I have already waited months for this to get resolved. They could not and would not tell me where my money was for so long and why it has taken me to call about it and why the merchant never was paid. They also could not tell me when the merchant will be paid so that I can try to contact them to get my XXXX returned to me. I think this is an outrage and for a bank to hold my money and not pay a merchant or tell me they had my money for over 60 days and then when they finally tell me they have it, they don't know when it will be paid is deplorable. I just want my XXXX back into my account or the merchant paid.
On XX/XX/XXXXI called in and complained because Huntington Bank charged me {$37.00} which is a Returned NSF item fee because of not enough funds in my account to cover {$44.00} water bill. However they had subtracted that amount out of my account already so it appeared to be paid but the next day I looked into my account and they had returned it and charged me a fee. I spoke with XXXX who was extremely arrogant and rude. I explained to her one of the reasons I chose to bank with them was their 24 hour grace window and on this transaction that window of 24 hours was not given to me. She stated that it was their option not to extend the 24 hour grace to whom they wanted and it was n't a guaranty. I explained that was n't in the promotion that they advertise so in essence they were running a bait and switch advertisement whereby you have consumers open up their accounts thinking they have a benefit of a 24 hour grace period when really they do n't. I advised her that it appeared to me she was getting agitated because I was voicing my opinion which was my option and she stated that the system do n't no the race of a person when it rejects items for insufficient funds it is done internally based on your account. I stated that I know that because a lot of the complaints against there banks when it comes to this particular issue is with their XXXX American account holders and she stated if so then we need to keep funds in our accounts and we would n't have that problem. I was livid and shocked and I advised her I would file a complaint against Huntington Bank. I am considering a class action lawsuit if I do n't receive an apology and my funds put back in my account and afterwards I will find another banking institution for my direct deposits. When I thought it could n't get any worse on XX/XX/XXXX I was charged two insufficient fees of {$37.00} and 2 of my check items were returned again with no 24 hour grace notice once again although my direct deposit was deposited in a second account that came in the same day. I honestly believe this was done in retaliation for my earlier call onXX/XX/XXXX with XXXX as well as Huntington Bank discriminatory practices against XXXX Americans. I spoke with XXXX today and she was n't helpful at all so I had no other choice but to file this complaint and if this complaint does n't suffice then I will file a class action law suit to shed light on their banking practices as it relates to people of XXXX.
My loan was transferred from University of XXXX to Heartland ECSI last month. I had my account set up on autopay and noticed it did n't get withdrawn. I received a letter from Heartland ECSI informing me that they had taken over the servicing on my loan. The next day I received a statement from Heartland informing me that my account was past due. I went on to their website which was very difficult for me to navigate and scheduled a payment. They took the payment and then returned it stating it was NSF. I contacted my bank who informed that there was no issue with the bank account. 
Heartland then assesed me a {$25.00} late fee on my account. Worried about my perfect payment history I logged back in and scheduled a one time payment today, XX/XX/2016, including the late fee. When I went to submit my payment they also charged me a {$5.00} " convenience fee. '' I feel that they messed up in the time they took to notify me of the transfer of my account and it is having a derogatory impact on my financial well being. Ive always made my student loan payments on time and due to the Heartlands incompetent system I am now being penalized.
Hello, My reason for this compliant is to report a scam by FMA Alliance, LTD who claims to be a debt collector for XXXX. 

Some back history -- In XXXX I had lost my job and fell behind on some payments with XXXX. At the end of XXXX, I was able to repay my late payments in full and my account with XXXX is up to date, and in good standing. 

Today XXXX/XXXX/XXXX I received a letter from FMA Alliance LTD located at XXXX XXXX XXXX, XXXX TX XXXX, XXXX, stating I owed XXXX a balance of {$88.00}. Surprised to see this letter, I called FMA to get more information about the debt. I called and spoke to a customer service rep who had very detailed information about what I had purchased ( but had a hard time reading basic English off a screen -- side note ), and was given very specific information about what I items I had purchased ( all of which was correct ). 

Feeling even more concerned, I decided to, call XXXX directly to confirm if I had any outstanding balance. I spoke to a customer service rep by the name of XXXX, who informed me of the following : 1. My account was in good standing. 
2. They do n't use this company as a debt collector -- they use XXXX. 
3. I should report this as a scam immediately. 
4. Check my credit report. 

Therefore, I did not pay this bill, but in turn am filing a complaint against FMA Alliance LTD so others do n't fall victim to this horrible company.
My student loan XXXX was transferred to XXXX XXXX from XXXX XXXX in 2013. XXXX XXXX is reporting the account had late or past due payments but this is not true since I had " in school '' deferral and XXXX XXXX did not send that information to XXXX. I did settle the account in a lump sum with XXXX   - but I was never late as I had an in-school deferral.
Freedom chase credit card did not let me to pay the balance from the same bank account with XXXX separate payments on the same date which led to inconvenience for me as I used other bank account which was not intended for that purpose. There is nothing on the disclosure form that can support the denial of several payments from the same account to pay the balance.
debt is not mine.. collection from XXXX XXXX XXXX of XXXX dollars
A mobile deposit was made into my personal checking account and thus a bank hold was placed. 
This transaction took place on XX/XX/2018 for the amount of {$1000.00}. 
Noticing this bank error I called Chase to inquire why is a hold being placed on a check in an account where ( 1 ) there has NEVER been a non-pay deposit and ( 2 ) a deposited check routing number that had previously passed through my account?

Chase APOLOGIZED and released the hold immediately. 
In the mean time - ( 3 ) NSF occurred on XX/XX/2018 for items that presented against the account - when the bank hold error was placed. 
Spoke to XXXX in XXXX, OH. ( XXXX XXXX CST ) who was totally nasty from the onset of the conversation and refused to listen.