WillisBack/dataset-financial-user-claim huggingface dataset:
I enrolled in Ally Bank Payback Time Promotion on XX/XX/XXXX. Opened a new CD account on XX/XX/XXXX then funded it will {$40000.00} new money on XX/XX/XXXX. Per Ally Bank promotion term, 1 % cash bonus will be deposited by XX/XX/XXXX. I contacted Ally Bank phone customer service representitive on XX/XX/XXXX and XX/XX/XXXX and received verbal confirmation of {$400.00} cash bonus each time. I also had an online chat with Ally Bank XXXX and received written confirmation stating that {$400.00} bonus will be paid on XX/XX/XXXX. However, seeing no deposit in my account on XX/XX/XXXX, I initiated another online chat but the Ally XXXX was in total denial of the bonus payment. All records are attached here.
I live in Missouri. XXXX XXXX XXXX have contacted me, they know my phone number and address and XXXX XXXX XXXX recently contacted an ex-brother-in-law living in Florida. He knew it was a debt collector and reported that the lady, XXXX, was rude. She also contacted the ex-brother-in-law on his cell phone, so I have no idea how she got that number. I have spoken with XXXX XXXX XXXX, they have contacted me while I am working and I have told them I would call them back when I wasn't at work. As I said, they have contact information for me so there is no reason they should be looking up possible relatives, or random people with the same last name as me.
US Auto Sales Inc. has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to me.
Equifax clearly gives out a randomly generated answer and does not base this off actual XXXX or XXXX. This is blatantly an abuse to try to receive revenue from identity theft services.
This complaint is in reference to the XXXX Account Number : XXXX listed on my Experian credit report. I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and the reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to resp satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediately deleted from my credit file.
On XX/XX/XXXX at XXXX XXXX I contacted XXXX XXXX and spoke with XXXX  No. 
XXXX. He confirmed my new payment of XXXX to be due XX/XX/XXXX. He stated that he requested the capitalization be turned off on my account from XX/XX/XXXX to XX/XX/XXXX which would then bring my account current and no past due payment. 
I asked when this should be completed and he was unable to provide a specific timeframe, rather stated, in the next few days. 

I continue to receive emails stating payment was due XX/XX/XXXX and I am past due. 

He then transferred me to loan forgiveness and I spoke with XXXX No. XXXX. I stated that I have been paying on this loan 10 years prior to going on loan forgiveness and was told those 10 years would not be able to count toward the loan forgiveness. 
I stated that since XXXX I was on this program and my account is only showing credit for 18 payments of the 120 required. She stated I only began as of XXXX. 
Please see the attached letter from XXXX XXXX I began with XXXX, XX/XX/XXXX. I stated that I have been in contact with XXXX   XXXX for quite a few years and no resolve on this issue. XXXX stated that problem was I paid double payments one month, thus my account went to paid ahead status which then notes my account that each payment after that month was late. I stated that this makes no sense and she stated it was a courtesy that they put on the account. Again, I stated this makes no sense and if an additional payment was made and it was a problem, it should have been credited to the following month. ( See additional submitted document. ) XXXX stated should would submit a request to recount the qualifying payments. I requested when this would be completed. XXXX could not provide a specific date and stated in the next few days. 

I have yet to hear by phone and letter that this has been resolved.
This company is trying to collect {$510.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Seneca Mortgage LLC is reporting my loan history inaccurately to the credit bureaus ( XXXX & XXXX ) stating that my Status, which is defined by the Bureaus themselves as " Condition of account when last updated by creditor or otherwise '', as " Pays 91-120 days '' when the current status is Paid off. When I call their phone number and enter my loan number the automated response literally states my last payment amount and says the words " paid off ''. Admittedly I was at one point 3-months behind but caught up the loan when settling the loan and the offer of the note holder. When I call they internally refer to this settlement as a " short sale '' when the amount I paid them came directly out of my bank account from my income and I did not sell my house until about 9-months after I paid off this account. This inaccurate reporting is severely negatively affecting my credit score which is obviously negatively affecting my ability to get a good loan program and interest when purchasing a new home.
This complaint is in relation to the reporting of late payments on accounts and the reporting of a bankruptcy on credit reports. When a bankruptcy is filed, the filer is counseled not to pay any payments on installment accounts. 
However, there are two separate sections which are reported negatively on the credit report for those same past due payments- thus, you are dinged in two separate categories negatively for the same transactions. 
One category cites legal actions including bankruptcies and the other category cites delinquencies. 
If the only reported delinquencies occurred during the filing of the bankruptcy, during a period in which you are counseled not to make payments due to the bankruptcy, then those same transactions negatively impact your credit score twice- which is 50 % of your credit score, rather than the 15 % of the score for publicly recorded issues or 35 % of the score for late payments. 
These same transactions which are included in the bankruptcy ( and state so on the report ) should not be delinquencies reported separately ( which thus critically hurts the credit score in an imbalanced method ).
I have received two notices from companies claiming to be trying to collect a debt of {$490.00} for a XXXX account. I 've never had a XXXX account. Attached are copies of the documents I received. 

Thank you XXXX XXXX
I took out a flex loan XX/XX/2016 shortly after the loan was taken out my child was XXXX and I became late on all my bills. I contacted Advance Financial XX/XX/XXXX and again XX/XX/XXXX via telephone and I mailed a letter stating that I was aware of my account being behind and wanted to know if I could settle the account by making smaller payments and I received no response. I started receiving mailing from attorneys because I am being sued not only did they not respond they have now attached attorney fees and other fees. This will for sure force me into bankruptcy.
After repeatedly contacting the company regarding an error on their part Ive gotten nowhere. Their company placed my account in a bankruptcy status which resulted in me not being able to pay my bill or receive statements. I called and called and continuously tried to explain to them that the account was opened after my bankruptcy and traffic their had to be a discrepancy on their end. After receiving horrible customer service and being transferred multiple times they finally heard me out and opened a dispute. They saw that someone on their team dropped the ball by having my account closed and placed in that status. They apologized for the inconvenience and the mistake on their part but due to this i have suffered tremendously. They reported 60-90 day late payment to the credit bureaus and are refusing to fix that! My credit has dropped tremendously because of this. I had never reveived a statement and didnt know i had a bill until i called! Even after calling they couldnt accept a payment from me. Ive been trying to pay since XXXX! I want those derogatory remarks removed from my report along with all of the late payment fees! This is by far the WORST COMPANY IVE EVER DEALT WITH!!!!!!
I graduated in 2006. I had XXXX XXXX in loans when I graduated. in XXXX 2006 a month after my repayments started, XXXX XXXX charged me {$710.00} in Capitalized interest along with a repayment fee of {$320.00} for EACH loan. This totaled {$7300.00} in FEES! I noticed there was an issue when XXXX XXXX told me I was not paying my minimum monthly payment. Due to these fees- and not notifying me of them- my minimum monthly payment had increased and I was unaware. It was a hit on mine and my fathers credit report. I told my Dad who was a cosigner to my loans. He logged into his account and saw no changes to my account. For years this was an ongoing battle with my Dad over how much I actually owed. Early this year I called navient and they told me my original Loan amount was upwards of $ 80k. My Dad dug into his files and found payments and details of loan applications and statements. XXXX XXXX Navient charged me a fee to repay their loans. {$7300.00} to be exact. This is not including the interest I have had to pay on the fees! I have been paying my loans for 11 years and I still have {$41000.00} left when I started at XXXX XXXX. This is discouraging and misleading way for a company to handle student loans.
XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX  XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX  XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.
Bank of America has submitted a false and inaccurate report to the consumer credit agencies and has caused me great financial and personal harm.
Remitly promised to deliver money within minutes. 
I paid XXXX $ but no service was provided. 

Company Name : Remitly Receipt Number : XXXX Sub, itted XX/XX/2018 Company is not giving realistic date when money will be available to be picked up. Giving fake promises. This was an family emergency this is why i sent money. 

Please let Remitly know please return the money.
American Express promised that they would give me an explanation on how they came to their interest total, and yet they did n't tell the truth and sent a letter that just explained they were correct and that I 'm supposed to look at the Cardmember Agreement. They actually stated to me that they 'd provide me with a detailed account on a daily basis as to how they got {$53.00}. This letter is exactly what I had asked them not to send. I 'm frustrated with this bank and they should be absolutely investigated for racketeering. Here 's the breakdown of my calculations. The cycle in question was between XX/XX/XXXX and  XX/XX/XXXX. The Purchase Balance is in a promotional state until late XX/XX/XXXX, so 0 % interest is applied until then, so that wo n't be listed. The Cash Advances Balance has a 26.24 % APR which comes to a .0719 % Daily Periodic Rate. The Balance at the beginning of the cycle for Cash Advances was {$2300.00}. On XX/XX/XXXX, a total payment was made in the amount of {$350.00}. The minimum payment due was {$210.00}. {$210.00} SHOULD HAVE gone to the Purchases Balance where a remaining {$140.00} should have gone to the Cash Advances Balance. As of XX/XX/XXXX, the Cash Advances Balance ( as a result of the payment ) became {$2200.00}. {$270.00} was the total Cash Advances Transaction amount for XX/XX/XXXX, a day later. The balance now became {$2400.00} for Cash Advances. On XX/XX/XXXX, the total Cash Advances Balance became {$2500.00} as a result of a Cash Advances Transaction total of {$25.00}. So, you have ... Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2300.00} for 8 days Cash Advances Balance on XX/XX/XXXX : {$2200.00} for 1 day Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2400.00} for 2 days Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2500.00} for 19 days You add these balances up to get a sum of {$73000.00}. Divide that sum by the number of days in the cycle ( 30 ) to get an Average Daily Balance for Cash Advances of {$2400.00}. Take the Average Daily Balance {$2400.00} multiplied by the APR ( 26.24 % ) to get {$640.00}. Divide {$640.00} by 365 ( days per year ) to get a daily interest charge of {$1.00}. Multiply {$1.00} by the number of days in the cycle ( 30 ), to get a total  interest charge of {$53.00}. Their interest total was {$53.00}, a XXXX cent overcharge.
I initiated a dispute with XXXX XXXX on XX/XX/XXXX for a debt listed on my credit report owed to XXXX XXXX XXXX for an original debt owed to XXXX XXXX in the amount of {$2300.00}. I stated that I have never held any account with XXXX XXXX. 
I received documentation back from XXXX XXXX on XX/XX/XXXX stating that they had contacted XXXX XXXX XXXX and were advised that the account was accurate. 
After receiving this documentation I contacted XXXX XXXX XXXX directly by telephone today ( XX/XX/XXXX ) and was informed that they would open a dispute of this item, which was for a cell phone account opened on XX/XX/XXXX for a cell phone number of XXXX. I informed XXXX XXXX XXXX that I have never applied for or held an account with XXXX XXXX and have never had that telephone number. XXXX XXXX XXXX stated they would open a dispute on this item and to contact the Federal Trade Commission  online to report the information which led me to this website.
My employer has taken the initiative without validation of debt in garnishing my wages from XXXX, I do n't even know who they are and now I am on the verge of becoming homeless not able to cover all bills including my entire rent. I know as a consumer I am very aware of the guidelines under the FDCPA and the supervision of the Federal Trade Commission and I am not to be garnish anything without seeing a judge in court. I am ready to take legal action against them if first XXXX does n't validate the debt, I will pursue to file a complain against them ASAP
I received notice from my former employer XXXX XXXX XXXX that they had overpaid me and were sending me to collections. I did not understand how they determined there was an overpayment nor how they calculated it. I requested additional information but instead my file was escalated to a debt collection law firm. I received a demand letter from McCarthy, Burgess & Wolff on XX/XX/XXXX. The letter included an email address I could use to respond. I immediately emailed the address requesting validation of the debt and requesting that they cease and desist all future communication by phone. Over a month went by and I did not receive any response so I sent a follow up email on XX/XX/XXXX. On XX/XX/XXXX I received a response which included an XXXX sheet with my pay rate. This left me with more questions than answers as I compared it to my paychecks. At XXXX on XX/XX/XXXX I received a missed call and voicemail from XXXX XXXX at McCarthy , Burgess & Wolff . When I got home I had another missed call and voicemail on my home phone. I had requested in both emails not to be contacted by phone which is my right under the FDCPA.
Summit Receivables contacted me from a number representing that is was coming from a local calling area. I live in XXXX XXXX, CA. The Number they used was ( XXXX ) XXXX. After receiving very threating tones and accusations from the first Female caller, I called back to speak with a " manager '', After not only being insulted and laughed at, After stating that i would not claim yes or no to the Money owed they are saying, until receiving a Document providing they had acquired the account from another company. One of my Immediate family members works for the XXXX XXXX and XXXX others for the XXXX, and i am very well aware of how much fraud occurs every second of the day. The " MANAGER '' on the phone says to me ... .VERY LOUDLY : " LOOKY HEAR WERE DEALING WITH A XXXX, basically mocking and laughing at me once again. I then Proceeded to ask him not to talk down to me in a manner as such, as I am an Intelligent person, to which he laughed at again. I stated that i am a XXXX XXXX XXXX in a private college, to which he asked " what school are you attending? ", i replied back stating that was not his information to know. Upon making that statement he said and i quote " I have your SS # i can find anything out, and PROCEEDED TO READ BACK MY FULL SS # NUMBER TO ME ACROSS THE PHONE ( ALL 9 # 's ), I further explained that anything can be obtained through the internet now a days. As i am well aware of Customer Service, I know it is Illegal for him to repeat my SS # in full over the phone, Only should the last 4 numbers be read back, or asked of me to read them to him. Not only was this company Beyond rude, they also call at all hours, Calling from numbers they have no relation to, Especially when they are located out of XXXX XXXX. I do n't appreciate anyone talking down to me, especially in a attempt to collect money. I please pray of you to handle this claim as soon as possible, after doing my own research i was able to find other comments made about the Rudeness and Threatening manner in which they conduct their phone calls.
On XX/XX/XXXX received a " Notice of overdraft '' letter from TCF- this notice does not show *Dates " of the transactions- and is completely out of SEQUENCE* when comparing with the Transaction History and 'running balances '' - With this notice 'SIX ' transactions transpired- all are 'randomly- dated XXXX XX/XX/XXXX and XX/XX/XXXX the ( balances on notice ) - are Not the Same when comparing to online transaction history with 'running balances ' on XX/XX/XXXX charged over draft fee of $ XXXX the only transaction was on XX/XX/XXXX for $ XXXX notice shows negative ( When comparing to transaction history and running balance on this date balance shows a Positive amount ", on XX/XX/XXXX Another overdraft fee $ XXXX that leaves Five- transactions of the 'Five '' remaining- ( the dates are two are on XX/XX/XXXX and XXXX on XX/XX/XXXX ) They are- Not Processed consecutively/ not Processed in order of " dates '' / Randomly Out of " Sequence ' THE FUNDS WHERE ALL AVAILABLE FOR ALL 6-TRANSACTIONS- See enclosed Notice -plus- Transaction History with Running Balances- I should not be charged overdrafts.. Total {$74.00}
This company XXXX, XXXX XXXX XXXX, is not only reporting invalidated information on my credit report but they are not bonded for collections in the state of Texas.
Debt Recovery Solutions Of XXXX ( DRS ) did not notify me of a collection against my XXXX and reported the claim on my credit for {$470.00}. We were legally separated when she received medical services and our court orders specify that she is to pay her own XXXX above what insurance covers. I disputed the claim on my credit report and contacted DRS today, they will not remove the file stating I am responsible for her XXXX since we were still XXXX at the time.
In XXXX 2015 my mortgage account was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services ( CMS ) without my consent. CMS sent me documents that instructed me how to make payments on their website but they were poorly written so it was difficult to do so. I finally figured out how to make payments, to find that CMS did not allow any additional payment of principal or escrow online. Instead, you could make the regular payment, then either mail them a check or make a phone payment ( for a fee ) for the additional amount. After complaining about this for several months, CMS changed their site to allow additional payments only under the following circumstances : You can only pay the regular amount before the payment due date. Any additional amounts must be paid after the system processes the payments from the previous month, so I must wait for some unknown number of days ( usually the XXXX to the XXXX of the month ) to make any additional payments, despite CMS 's written assurance to me that payments can be made on the XXXX of the month. I get paid on the XXXX and XXXX of each month, so I prefer to make my mortgage payment out of the paycheck on the XXXX, as soon as I can, so I can be fiscally prudent. 

CMS 's policies seem to ensure that customers can not lower the principal amount much beyond the normal payment and to allow them to gain as much interest as possible. Furthermore, this is the worst customer service I have ever received. I had to make a XXXX complaint to get a supervisor to call me, the website is antiquated and is hard to use, and any complaints or adjustments must be made by mail or fax.
On XX/XX/2019, I went online to my credit card issuer 's website to verify that I had received a refund to my card from an outside vendor and upon examining my account details, I discovered that my credit limit had been REDUCED by {$2600.00} without any notice to me. As such, I called the credit issuer 's customer service department and spoke with a Representative who indicated that my limit was decreased due to their review of my credit report that indicated I had too many open credit cards and when I asked the Representative why they had pulled my credit WITHOUT my permission, he indicated that it was something they did from time to time and that a letter explaining their decision was mailed to be on or about XX/XX/2019. In addition, I asked the Representative why the decision was made to reduce my balance so significantly when I have NEVER missed a payment with their bank in the 2 - 3 years I have had their card nor have I ever missed a payment with any of the open credit cards that they felt I had too many of and he advised that due to the information on my credit report that this was the decision they felt was best and he offered no resolution dispute assistance. I advised the Representative that I completely disagreed with their decision for numerous reasons specifically, the fact that by reducing my credit to the amount of {$1800.00} this puts my credit utilization for this creditor at 90 % when prior to the credit limit decrease it was 38 %. As a result, this has had a negative effect on my credit score despite the fact that I have NEVER been in default with any of my creditors whom are all current and have been for several years so I'm not understanding their decision. 

Signed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Creditor : XXXX website : XXXX ph : ( XXXX ) XXXX